Personal Finance

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  • 5 Huge Companies That Are Still Posting Double-Digit Growth

    Fool.com Headlines
    22 Nov 2014 | 5:43 am
    These five consumer-facing giants are still growing at a ridiculous pace.
  • 7 financial moves to make before the end of the year

    The Quizzle Wire
    Miranda Marquit
    19 Nov 2014 | 6:00 am
    If you’ve looked at a calendar recently, you know that the year is drawing to a close. Before you run out of year, it’s a good time to make a few financial moves. The right actions now could mean a better financial start to the coming year. Here are 7 financial moves to make before the end of the year: Run a rough estimate of your taxes Do you have an idea of what you will owe next April 15? “The first thing I recommend to everyone is to run a rough estimate of your taxes,” says Kate Horrell, a finance educator and writer at KateHorrell.com and Military.com. She points out that…
  • Find Your Passion (It’s Probably Right in Front of You)

    MoneyCrush
    Jackie Beck
    17 Nov 2014 | 4:00 am
    “Find your passion,” we’re urged, and everything will fall into place. So we spend our time struggling to hunt down that passion as if it were some sort of elusive beast lurking deep in the jungle. The reality is, your passion is often right in front of you. You just can’t see it, because it’s covered up with ordinary. You spend your days going to work, doing what needs to be done around the house, and then relaxing for a bit in front of the computer, TV, or with family and friends. If you want to find your passion, you’ve got to open your eyes to what you…
  • 4 Reasons You Should Look Into Self-Employment

    Grad Money Matters
    GMM
    19 Nov 2014 | 1:00 am
    Self-employment is something I highly recommend that people try out if they are not happy working for someone else. I know a few people who actually hated self-employment and left the self-employment world, but I know many people who have tried self-employment and will never go back to working for someone else.Myself? I am someone who will never leave self-employment unless I am absolutely forced to. Self-employment has treated me greatly, and leaving this just does not seem possible for me.Below are four reasons for why you should look into self-employment if you are not happy at your day…
  • Why Socrates and Plato Are the Only Financial Gurus You Need

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

  • Ask the Readers: Where can you get a last-minute seasonal job?

    Linda Vergon
    21 Nov 2014 | 3:00 am
    This article is by editor Linda Vergon. When you think about getting extra money for the holidays, your first thought may be to get a job at your local mall. Retail is certainly one of the easier industries to break into to find a holiday job, and this year’s retail numbers are expected to be much better than in recent years. But your next thought may be that we are right on the cusp of the holiday season and those positions have probably been filled by now. After all, most retail companies start hiring for the holiday season in September and October. In fact, Challenger, Gray &…
  • Can a cash grocery budget save you money?

    Lisa Aberle
    20 Nov 2014 | 3:00 am
    This article is by staff writer Lisa Aberle. As I mentioned in my last article, I experimented with paying cash only for my October groceries. I had only one goal in mind: Spend less on groceries so I could save more money each month. Well, my little experiment opened a whole can of worms. The Experiment Basically, I always try to keep my grocery spending in check, but I usually don’t limit quantity or variety of food based on the budget. With that in mind, I think it is important how I picked my budget of $500. I didn’t look at my past spending. I didn’t do any research to…
  • How the new healthcare law changes maternity care

    Holly Johnson
    19 Nov 2014 | 3:00 am
    This article is by staff writer Holly Johnson. My husband and I got married in December of 2005 and spent the first few years of our marriage enjoying each other without the responsibility of children. Then, after a few years, I found myself longing for a child of our own. Unfortunately, a giant roadblock stood in our way — our health insurance plan did not cover maternity. Those were the days before the new healthcare law commonly known as the Patient Protection and Affordable Care Act (PPACA) and Obamacare came into play. At the time, health insurance providers were not obligated to…
  • A six-figure income, and you’re still paying off debt?

    Kristin Wong
    18 Nov 2014 | 3:00 am
    This article is by staff writer Kristin Wong. At another site, I recently wrote about a tool that shows you online prices in terms of hours worked. I used a random item — a fancy coffee maker that costs $116 — as an example. It would take someone who earned $38 an hour approximately three hours of work to pay for that item. A reader replied that, if they made $38 an hour, they wouldn’t waste their time thinking about whether or not the purchase was worth it. To me, this was a spot-on definition of lifestyle inflation, summed up perfectly in one simple comment. Someone who…
  • The pros of experiencing the cons of poverty

    Lisa Aberle
    17 Nov 2014 | 3:00 am
    This article is by staff writer Lisa Aberle. At the beginning of October, I slipped five crisp Benjamins into my purse. I don’t usually carry any cash at all, so I was feeling flush with $500 in my pocket. It was all part of a simple experiment: Could I save on my grocery budget if I only paid in cash? While I will share more in the future about what I specifically learned about groceries and my budget, this experiment made me think about a bigger problem. By mid-October, I had about $30 left. I valiantly tried to stretch the money to the end of the month, but I couldn’t. A…
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    Personal finance news - CNNMoney.com

  • New York's multimillion dollar home sales keep soaring

    20 Nov 2014 | 3:40 pm
    Billionaires are on a buying spree in New York, with sales of multimillion dollar properties up 120% so far this year, according to CityRealty. And the prices are expected to keep climbing next year.
  • Working over the holidays? Join the crowd

    20 Nov 2014 | 2:36 pm
    Nearly half of all Americans say there's a chance they'll have to work during a holiday between Thanksgiving and New Year's, according to a new poll. And one in four say they'll have to work whether they want to or not.
  • Unlimited vacation? It may not be as cool as it sounds

    19 Nov 2014 | 4:29 pm
    Tribune Publishing is the latest company to adopt a vacation policy that lets you take as much time off as you want -- as long as you get your work done. But these new "unlimited vacation policies" may not be as freewheeling as they sound.
  • Millennials are closing the gender wage gap

    19 Nov 2014 | 6:55 am
    The wage gap between men and women has narrowed among millennials early in their professions, but the good news ends there.
  • American Dream homes: Prices in 10 cities

    18 Nov 2014 | 3:16 pm
    How much does the American Dream home cost? From $2 million in Los Altos, Calif., to $65,000 in Cleveland, here's what you'll pay for a 4-bedroom, 2-bath house, according to Coldwell Banker's annual survey.
 
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    Consumerism Commentary

  • Why Socrates and Plato Are the Only Financial Gurus You Need

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

    Luke Landes
    5 Nov 2014 | 12:06 pm
    I first heard about Acorns a few weeks ago. Acorns is a micro-investing mobile app designed to make it incredibly easy to invest small amounts in the stock market. As if designed perfectly for the Millennial generation, there’s no need to actually know anything about investing to get started; Acorn’s advisers simply designed a portfolio (based on “Modern Portfolio Theory”) that works for all investors using the app. The creators of Acorn have found a way to solve major problems with the financial industry’s typical path to investing, and the biggest is the…
  • The Best Cash Back Credit Cards, November 2014

    Luke Landes
    4 Nov 2014 | 12:25 pm
    Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. The days of earning 5% cash back for credit card purchases may be nothing but a memory, but the smart use of credit cards can still be profitable for diligent spenders. You may be able to find some credit cards offering a high level of cash back in certain spending categories, but these are often subject to maximums. Most of today’s better cash back credit cards offer 1% to 2% cash back on purchases. However, if you look hard enough, you’ll…
  • Naked With Cash: Laura and Leon, September 2014

    Luke Landes
    4 Nov 2014 | 7:15 am
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four participants who will share their financial reports, exposing the results of their financial choices. Each participant is paired with one of our Certified Financial Planners. The experts will provide insight and…
  • Naked With Cash: Brian, September 2014

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

  • Social Security Q&A: Can I Stop Widow's Benefits and Restart Them Later?

    Laurence Kotlikoff
    22 Nov 2014 | 6:00 am
    Today’s question asks if it’s possible to stop receipt of reduced survivor’s benefits in order to later restart them at a higher level. The answer explains the difference between withdrawing and suspending benefits, touches on the effect of the adjustment of the reduction factor, and then outlines potential strategies based on relative earnings histories.
  • "Unconstitutional" Pension Reform Ruling Places Illinois In Fiscal Straightjacket

    Jeffrey Brown
    21 Nov 2014 | 3:19 pm
    On Friday afternoon, Judge Jon Belz of the 7th Judicial Circuit Court in Sangamon county Illinois declared unconstitutional the pension reform that was signed into law in December 2013 (click here to read entire ruling).  If left to stand by the Illinois Supreme Court, this decision will place the State of Illinois in a fiscal straightjacket.
  • Could Holiday Spending Hurt Your Financial Future?

    Trulia
    21 Nov 2014 | 2:02 pm
    The holidays are already in full swing, which means a few things: pumpkin products galore (I’m looking at you, pumpkin perfume), candy cane–flavored everything, and the very real possibility that your carefully calculated budget is about to be challenged by seasonal spending temptations.
  • This Week In Credit Card News: Card Hacks Not Hurting Stores, Your APR Could Rise In 2015

    Bill Hardekopf
    21 Nov 2014 | 11:44 am
    Shoppers Just Don't Care About Credit Card Hacks
  • Making Your Money Last In Retirement (Pt. 1)

    Larry Light
    21 Nov 2014 | 10:59 am
    Outliving your money is a huge worry for people in or thinking about retirement. How to avoid that fate is a specialty of AdviceIQ advisor Jeff Rose, the founder of Alliance Wealth Management in Carbondale, Ill.
 
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    Yahoo News - Latest News & Headlines

  • Ferguson experiences 3rd straight night of unrest

    22 Nov 2014 | 7:32 am
    FERGUSON, Mo. (AP) — Authorities arrested three protesters during a third straight night of unrest in Ferguson, Missouri.
  • FBI arrests two would-be Ferguson bomb suspects: law enforcement source

    22 Nov 2014 | 6:25 am
    By Daniel Wallis FERGUSON Mo. (Reuters) - Two men suspected of buying explosives they planned to detonate during protests in Ferguson, Missouri, once a grand jury decides the Michael Brown case, were arrested on Friday and charged with federal firearms offenses, a law enforcement official told Reuters. Word of the arrests, reported by a number of media outlets Friday, came ahead of the grand jury's widely anticipated decision on whether the white police officer who fatally shot Brown, an unarmed black teenager, should be indicted on criminal charges. The Aug. ...
  • Mother's death leads NFL player to fight domestic abuse

    22 Nov 2014 | 4:06 am
    By Steve Ginsburg (Reuters) - Pittsburgh Steelers cornerback William Gay remembers arriving at the hospital as a confused 7-year-old trying to understand why members of his family were sobbing uncontrollably. He soon learned that his mother had been shot in the back three times. The assailant, Gay's stepfather, shot himself in the head, the .38 caliber revolver landing between the bodies. Gay's mother, Carolyn Hall, was alive for five hours at the hospital before succumbing, while her husband died instantly. ...
  • Activist group: US-led Syria strikes kill over 900

    22 Nov 2014 | 3:54 am
    BEIRUT (AP) — A prominent Syrian activist group monitoring its civil war says U.S.-led airstrikes in the country have killed over 900 people since September, many fighters of the militant Islamic State group, though some civilians as well.
  • Officials prepare for Ferguson grand jury decision, urge calm

    21 Nov 2014 | 10:39 pm
    By Daniel Wallis FERGUSON Mo. (Reuters) - Police and protest organizers laid the groundwork on Friday for steps to avert street violence once a St. Louis-area grand jury decides whether to indict the white police officer who fatally shot unarmed black teenager Michael Brown in August. Against the backdrop of heightened tension, the FBI arrested two men suspected of buying explosives they intended to detonate during demonstrations in Ferguson, Missouri, a law enforcement official told Reuters. ...
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    My Money Blog

  • Cooking Dinner At Home: The Flowchart

    Jonathan Ping
    20 Nov 2014 | 9:05 pm
    I believe that most people would like to cook their own food at home, but sometimes the best intentions still end up with me eating Panda Express with those darn little splintery chopsticks! After many weeks of trying to cook meals at home, I’ve tried to identify my roadblocks and organized them into a geeky flowchart: The flowchart helped me identify ways to minimize failure points, like planning meals ahead of time, shopping for all ingredients ahead of time, and slowly building a repertoire of quick meals that I know I can pull off with minimal fuss. Right now I’m still riding…
  • Chart: Stocks and Bond Returns Tend To Move In Opposite Directions

    Jonathan Ping
    19 Nov 2014 | 9:06 pm
    Inside this AllianceBernstein post about the more complex concepts of levering bonds and risk parity strategies, there was a reminder about simple portfolio construction. For a very long time now, holding both stocks and bonds has been considered a “balanced” portfolio. Why is this? Because stocks and bond returns tend to move in opposite directions. This behavior can be summed up using the finance term Beta. The 5-year rolling average beta of the S&P 500 return to the 10-year US Treasury return has consistently ranged from negative 0.1 to negative 0.3 over the past decade.
  • How to Win the Loser’s Game: Free Documentary

    Jonathan Ping
    18 Nov 2014 | 8:30 pm
    SensibleInvesting.tv recently released a free documentary about the fund management industry and the effect of their high fees on the returns of everyday citizens. “How to Win the Loser’s Game” includes interviews with Vanguard founder John Bogle, Nobel Prize-winning economists Eugene Fama and William Sharpe, author and wealth manager Larry Swedroe, amongst many others. While the publisher is UK-based, most of the concepts are widely applicable to all fund management. The film is broken down into 10 different parts, each about 8 minutes long. If you are a visual learner and…
  • Best Frugal Chicken Broth: Most Flavor For The Least Money?

    Jonathan Ping
    17 Nov 2014 | 10:45 pm
    For me, cooking at home means using a ton of chicken broth and chicken stock (yes there are technically differences between broth and stock but mostly the terms are used interchangeably in recipes). It comes in handy in all kinds of recipes, and basically makes everything taste better (assuming you’re not vegetarian). At $1 per cup the cost can add up, so I perked up when America’s Test Kitchen ran a Chicken Broth Taste Test. They tested various brands by drinking them straight-up, used in a plain risotto, and reduced in a gravy. The PBS cooking show America’s Test Kitchen (ATK)…
  • Chase Freedom $200 Limited Time Offer

    Jonathan Ping
    17 Nov 2014 | 3:13 pm
    Updated with limited-time $200 bonus and new 5% categories for Q1 2015. The Chase Freedom® – $200 Bonus has a new limited time promotion offering a $200 Bonus after you make $500 in purchases in your first 3 months from account opening. In addition, you can earn an additional $25 bonus after you add your first authorized user and make a purchase within this same 3-month period. This is the highest sign-up bonus I’ve seen for this “keeper” card and double the usual $100. As a rewards credit card it is better than plain vanilla 1% cashback cards with its 5% cashback…
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    The Simple Dollar The Simple Dollar

  • My Ten Favorite “Healthy” and Inexpensive Foods (and a Great Recipe for Each One)

    Trent Hamm
    22 Nov 2014 | 6:00 am
    With five people living under our roof, our food budget quickly stacks up to become a major part of our family’s expenses for the month, which naturally means that we’re very interested in methods that can reduce our food spending while also putting a variety of meals on the table. At the same time, we also want “healthy” foods that ensure proper nutrition and minimize the chances of long-term negative health effects. That’s a juggling act no matter how you slice it. Cheap? Healthy? Appealing to both a four year old and to adults? Good luck with that. Our…
  • Best Project Management Software for 2014

    Heather Catalano
    22 Nov 2014 | 4:00 am
    Part 3 of our Small Business Tools Series tackles the best project management software. Previously we covered Best Cloud Storage Providers and Best Email Marketing Services; now we enter the realm of project management. There are many project software providers out there these days. While it speaks to the necessity of project management, it also can be difficult to find which one is the best fit for you and your business. Project management software is a vital tool that affords visibility to project timelines, goals, and expenses while effectively utilizing resources and allowing…
  • What I Wish I Knew Before Buying Rental Property

    Holly Johnson
    21 Nov 2014 | 10:00 am
    Anything can and will happen as a landlord, from destructive tenants to bursting water heaters. So save up for maintenance and probable expenses — and surprises, too. Photo: Eelke In early 2006, my husband and I decided to purchase our first home in my hometown of Greenfield, Indiana. With 1,300 square feet, a few nice-sized bedrooms, and an open kitchen and living room, our first “starter home” was practically perfect for us. And since we had moved there from a one-bedroom apartment with only two windows and a total of 500 square feet, it practically felt like a mansion to…
  • Warren Buffett’s Two Lists and Your Money

    Trent Hamm
    21 Nov 2014 | 6:00 am
    A few weeks ago, there was a pretty great story going around various business and finance websites about Warren Buffett. According to the story: One day Buffett went up to his pilot named Steve and jokingly said to him that “the fact that you’re still working for me tells me I’m not doing my job.” “You should be out going after more of your goals and dreams,” Buffett reportedly said. To help him with that, Buffett asked Steve to list the 25 most important things he wanted to do in his life. Then Buffett asked that he review each goal and choose the five…
  • 18 Ways to Slash Your Utility Consumption in Half

    Allison Martin
    21 Nov 2014 | 4:00 am
    Appliances that generate heat or cold — think dryers — tend to use the most electricity. Photo: TraciTodd When you tear open your utility bill each month, are you annoyed with the outstanding balance listed on the statement? If so, you aren’t alone. I was having a chat with my hairstylist the other day and she expressed how disgruntled she was about having to fork over $300 or more per month on her utility bills alone. That’s certainly not the first time I’ve heard such a complaint. According to Energy Star, the average American household spends around $2,200…
 
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    Wise Bread

  • 6 Alternative Ways to Do Thanksgiving

    Kate Luther
    22 Nov 2014 | 3:00 am
    Growing up, there was never any doubt about how Thanksgiving would be celebrated. Grams cooked the turkey and ham; the rest of us provided the traditional sides and desserts. Women and children ate at the "big" table, while most of the men migrated off to the den to yell at the Cowboys....
  • Enter to Win Over $1,000 in Hedgeable’s Holiday Giveaway!

    Ashley Jacobs
    21 Nov 2014 | 4:00 pm
    In honor of the holidays, Hedgeable is giving away big bucks exclusively to Wise Bread readers including a $1,000 grand prize! They are also offering investment management services to all Wise Bread readers for FREE for 3 months! Happy Holidays! Three prizes are up for grabs: 1st Place:...
  • Best Money Tips: Eat Healthy and Amazing for $50 a Month

    Amy Lu
    21 Nov 2014 | 1:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some terrific articles on how to eat healthy for $50 a month, financial moves to make in your 20s, and tips for living on one income. Top 5 Articles Eat Amazing (and Healthy) for $50/Month — Protein is your friend! You'll go...
  • 8 Free Apps to Boost Your Online Productivity

    Ashley Marcin
    21 Nov 2014 | 11:00 am
    I feel fortunate to be in my thirties. In my opinion, it's the sweet spot for all things related to technology. I'm old enough to remember life before computers took over entirely. Yet, I'm young enough to quickly adapt and learn new things that make my life happier and more productive. No matter...
  • How to Host Thanksgiving in a Tiny Apartment

    Mikey Rox
    21 Nov 2014 | 9:00 am
    You've decided to accept the challenge of being the host with the most this Thanksgiving, but there's just one tiny problem — your smaller-than-small apartment. Time to panic? Nah. Before you cancel the fete, feast on these ways to work with what you've got — and still deliver an...
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    Bargaineering

  • Asking me to tip the maids at high-end hotels is a lousy plan to fight poverty among women

    Jen A. Miller
    17 Nov 2014 | 12:00 am
    Jen A. MillerWhen you stay at a Marriott hotel this fall you’ll be asked to pay for more than just your room. The giant hotel chain wants you to start tipping its maids. Tip envelopes have been placed in 160,000 of its 700,000 guest rooms at Marriott, JW Marriott, Courtyard, Renaissance, Fairfield, TownePlace Suites and Springhill Suites [...]Asking me to tip the maids at high-end hotels is a lousy plan to fight poverty among women from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • My favorite no-fee credit cards provide lots of perks

    Vanessa Richardson
    10 Nov 2014 | 12:00 am
    Vanessa RichardsonA credit card that offers cash rewards, a low interest rate and no annual fee? What’s the catch? There might not be one – you may just have scored a good deal. The best credit cards are the cheapest credit cards and annual fees are often the biggest out-of-pocket expense for consumers who never, or [...]My favorite no-fee credit cards provide lots of perks from personal finance blog Bargaineering.com. This blog was posted by Vanessa Richardson
  • How to save money and avoid birthday party drama

    Dawn Papandrea
    3 Nov 2014 | 12:00 am
    Dawn PapandreaThe school year’s well underway and the weekly birthday party invitations are pouring in. If you’ve got a couple of kids in school, with 20 to 30 children in each of their classes, the birthday party circuit can get very expensive, very quickly. If you don’t want to add a line item into your budget [...]How to save money and avoid birthday party drama from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • How to buy furniture you like without spending too much money

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

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

  • “Thinking Money” a rich change of pace from TV’s wasteland

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

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

    William Cowie
    12 Nov 2014 | 12:00 am
    If you didn’t hear it on the news, you probably noticed it the last time you filled up your car: gasoline prices have been dropping lately after holding fairly steady for a year or so, following world oil prices. After clicking your heels at the gas station when nobody was looking, you probably got in your car and started wondering: Is this for real? How long can it last? Is this just one of those blips you can clearly see on the chart, or are we seeing a fundamental shift toward lower energy prices? If lower energy prices sound like a dream, that’s because, in our lifetimes,…
  • In praise of not planning

    Richard Barrington
    10 Nov 2014 | 12:00 am
    It’s a good thing that I am a planner by nature because, dealing with personal finance as I do involves a lot of long-term planning. So it might seem a little odd for me to take this position, but there are times when your finances might be better for not having made a plan — or at least for not being completely ruled by your plans. Don’t take this too literally because planning has its place, but planning can also become tyrannical. It intimidates people from undertaking projects. Once a project is undertaken, too much reliance on planning can make people blind to better…
  • Zeroing in on target-date funds

    Jeffrey Steele
    5 Nov 2014 | 12:00 am
    For those investing for retirement, target-date funds sound like a great idea. Say you want to retire in 2030. Simply purchase a 2030 target-date fund, the wisdom holds, and the fund will do a lot of the heavy lifting for you when it comes to your investments. But like that time you tried to pass your literature midterm by scanning the Cliff’s Notes of “Crime and Punishment,” taking the easy way out may not be your best strategy here either. As one expert says, target-date funds are “the one-stop shop for mutual fund investing.” In selecting the holdings…
 
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    Personal Finance Advice

  • CDC Says Heavy Drinking Doesn’t Make You an Alcoholic in Most Cases

    Julie Morse
    21 Nov 2014 | 10:33 pm
    If you thought that guy who slams back 3 beers plus a couple shots of tequila in a half an hour was an alcoholic, 9 out of 10 times you’d be wrong. A new study released by the US Centers … Continue reading →
  • Is the Post Office Open or Closed Thanksgiving Day and Weekend 2014

    Jeffrey Strain
    21 Nov 2014 | 12:48 pm
    It used to be easy to tell what was open and what was closed on Thanksgiving Day because virtually everything was closed. That all started to change a few years ago when retail outlets began opening their doors on Thanksgiving … Continue reading →
  • Will Using Credit Karma Hurt Your Credit Score?

    Jeffrey Strain
    20 Nov 2014 | 9:28 pm
    One of the questions people often have when using free credit score sites like Credit Karma, Credit Sesame and Quizzle is whether using them will ultimately hurt their credit scores. This question usually arises because they hear somewhere that checking … Continue reading →
  • Russian Hacker Site Leaks Footage from 70000 Webcams Around the World

    Julie Morse
    20 Nov 2014 | 8:15 pm
    There is a strong warning from both US and UK governments for people to shut off their webcams. For the last few weeks, the Russian hacking site, Insecam, has hacked more than 70,000 webcams in living rooms, bedrooms, exterior settings, … Continue reading →
  • Google Contributor Blocks Ads on Sites You’re Willing to Financially Support

    Kara Pendleton
    20 Nov 2014 | 5:56 pm
    Google has launched a beta test to see how many internet users would be willing to pay $1 to $3 per month to block ads on each of their favorite websites. The test is for a new Google program called … Continue reading →
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    Mighty Bargain Hunter

  • Want to make tons of money? Two keys

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

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

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

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

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

  • Should I Upgrade My Furnace and Water Heater?

    Lazy Man
    20 Nov 2014 | 4:15 am
    Sometimes, I ask a question and I have a good hunch of what the right answer is going to be. Today's article is not a such a case. As I write this article, I don't know where it will go. That's very different from most of my articles. In my last article, I wrote about how I got a recently energy assessment. One of the things I learned is that we have a 24-year old furnace. I had been told that the furnace was old before, but it was so clean (perhaps because it is a natural gas furnace), I thought that the company might have been trying to snow me on buying a new system that I didn't need. It…
  • Energy Assessments: Free Stuff and One Secret, Sneaky Tip

    Lazy Man
    18 Nov 2014 | 12:45 pm
    When was the last time someone showed up at your home to save you money... and gave you over a hundred dollars worth of free stuff? This happened to me recently... and I want to share the experience with you. A few weeks ago I wrote abour our journey to solar power I like to think that I covered it in excruciating detail at that link. As a condition of getting the state grants to subsidize our solar panels, our energy company has to review our home. At first it seems kind of strange, but when I thought it further it made more sense. The state shouldn't subsidize solar panels for me unless I…
  • Should I Pay for the 5% BJ’s Warehouse Cash Back?

    Lazy Man
    14 Nov 2014 | 5:15 am
    I was at my local BJ's Warehouse the other day and I noticed that they were promoting a way to get 5% cash back. For those who don't live in the New England area, BJ's is like Costco. It's your typical warehouse club. Since the prices are already very low, getting an extra 5% is intriguing. I don't think Sam's Club or Costco offers a similar discount... usually they top out at 2-3%. Getting 5% back is usually a no-brainer. However, to get the BJ's discount you have to be Elite member which costs more than the basic membership. It isn't so easy to know if you it worth getting the Elite…
  • Lazy… Useless… Good for Nothing… That’s Not a Bad Strategy.

    Guest Poster
    13 Nov 2014 | 4:45 am
    The following is a guest post by Rob Pivnick, author of What All Kids (and adults too) Should Know About... Saving & Investing. There is more information about the author at the end of the article, but just reading his accomplishments makes me tired. Someone recently commented on an article of mine saying “I am too lazy to try to beat the market, so I really like your style of investing.” I immediately thought of Lazy Man. I wish everyone who invests was as lazy as that person and me. Lazy investing necessarily means that one passively invests in indexes, does not try to time the…
  • Veteran’s Day Deals that Aren’t

    Lazy Man
    11 Nov 2014 | 4:55 am
    I'm usually not one to look a gift horse in the mouth. If you've got something free, I'll definitely look into taking it (though that leads me to me collecting a fair amount of junk). That said, this is the time of year where everyone posts great Veteran's Day meals and deals. As I've mentioned many times before, my wife is in the military and though she's not a veteran, she qualifies for many of these deals. Over the years we've tried to take advantage of them. "Try" is often the operative word. We've found that going anywhere near an Applebee's, one of the top advertisers, is a mess. Wait…
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    No Credit Needed

  • What To Do After You Pay Off That Credit Card

    NCN
    18 Nov 2014 | 10:31 am
    You have selected and begun to execute your plan for getting out of debt – and you have just paid off that first credit card debt. You are awesome! Paying off that first account is an important milestone.  There’s a tremendous feeling of satisfaction which accompanies the completion of any worthy goal.  Take a while to enjoy the success – and then get pumped to move on to the next step in your plan. Before you move too fast, however, check one thing – the next monthly statement from your credit card company.  You may be in for a surprise. Even though you paid your…
  • Call For Discounts

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

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

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

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

  • Fastssh.com Tempat Membuat Akun SSH Gratis

    Aldi Dwi Ferdian
    21 Nov 2014 | 11:19 pm
    Akun SSH Premium atau Secure Shell atau Internet Gratis adalah sebuah IP yang bertugas memalsukan IP kita agar terhindar dari hacker yang mendeksi IP kita jika IP Komputer kita bisa ketahuan dengan seseorang maka takut dengan orang orang yang tidak bertanggung jawab. lanjut ke Topik kita, Fastssh.com adalah salah satu Website Akun SSH Premium Secara Gratis , mungkin kebanyak orang sudah mengetahu website tersebut , karena website ini memberikan ssh secara cuma cuma tetapi ssh ini ada batasnya selama 3 hari , tetapi kalian juga bisa memperpanjang di website tersebut , apa sih kekurangan dan…
  • Download Game PES 2015 Singel Link Full Version

    Aldi Dwi Ferdian
    21 Nov 2014 | 10:41 pm
    Download Game PES 2015 Singel Link Full VersionPES 2015 mengangkat di lapangan realisme dengan tujuan menciptakan drama dan ketegangan terkait dengan pertandingan penting. PES 2015 menandai kembali bersama untuk nilai-nilai PES inti kontrol total, kontrol benar-benar responsif dan gameplay terbatas, di mana pengguna memiliki kontrol penuh atas bagaimana mereka bermain. Evert lulus, menembak atau run seimbang untuk memberikan kepuasan pemain maksimum dalam PES 2015 di lapangan aksi.SYSTEM REQWindows 7 SP1 / Vista SP2Inter Core 2 Duo @1.8 GZ (AMD Athlon II X2 240 or equivalent processor)1 GB…
 
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    Free From Broke

  • I’m Sick Of Hearing It’s For The Kids – Stop Spoiling Them

    Glen Craig
    21 Nov 2014 | 3:45 am
    Ever run across someone that gives their children everything? All the latest clothes, electronic gadgets, extracurricular activities, lavish weddings, education, you name it they have it. And then you find out the parents are struggling to keep their heads above water financially.  (Note: the parents aren’t always in financial jeopardy but I find it’s a common theme.) Not “we’re just getting by.”  No. I mean one month they don’t pay cable, another month they miss the electric bill; the rent gets paid late; always something and always “it’s for…
  • Think Long Term When Shopping Black Friday and Cyber Monday

    Glen Craig
    19 Nov 2014 | 3:28 am
    When you do your Black Friday and Cyber Monday shopping don’t just think of things for the upcoming holidays — think long-term! Many sales are at their best on these days.  Black Friday kicks off the big end-of-the-year holiday shopping frenzy and lots of people use it as an opportunity to stock up on gifts for the coming season. But you can also take advantage now and buy items for events and purposes throughout the year.  That’s right, you should think long-term when you plan out your Black Friday and Cyber Monday shopping. Many a time has passed where I thought…
  • 11 Ways to Prepare Your Home for Winter, Conserve Energy, and Save Money

    Melissa
    13 Nov 2014 | 11:18 am
    The changing of seasons is the perfect time to check your home’s energy efficiency, especially when much of the country will be facing cold temperatures in a few months (except for those lucky few living in warmer climates). As temperatures cool, now is the time to make some updates to your home to save energy and efficiency and avoid costly repairs. Here are 11 ways to prepare your home for winter and conserve energy: 1. Clean the gutters A few hours up on a ladder cleaning the gutters can save you later.  If you don’t clean the gutters of leaves and other debris before the snow…
  • A Giveaway From Nvestly You Need to Enter

    Glen Craig
    10 Nov 2014 | 3:25 am
    Who doesn’t love a good giveaway? I know I do!  Do an easy step or two and you can find yourself with some great prizes. Giveaways tend to be stuff like books or gift cards.  Sometimes it’s a great prize (like the Chromecast we gave away recently). How about a giveaway that gives you ownership in a company?  Interested, huh? Nvestly is doing just that! Nvestly Giveaway Nvestly is getting the word out on their social investing platform.  To help that along they are giving away $2,500 in Apple shares (roughly 25 shares of AAPL).  Yes, they are giving away ownership in Apple…
  • 10 Essential Tips For Shopping Black Friday And Cyber Monday – Don’t You Dare Shop Without Reading This

    Glen Craig
    3 Nov 2014 | 10:23 am
    Can you believe it’s November already?!? Know what that means?  Yeah, seeing family and overeating on Thanksgiving.  There’s that, sure. Know what else? Black Friday and Cyber Monday shopping deals! These two days have turned into crazy whirlwinds of shopping and sales (actually the whole week is full of deals).  Do your homework and you can score some great deals that you might not find the rest of the year, But if you aren’t careful these days can turn into a crazy hell that wastes your time and your money. Here Are 10 Tips You Need to Read Before Shopping Black Friday…
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    Blogging Away Debt

  • Thanksgiving on a Budget

    Ashley
    20 Nov 2014 | 8:02 am
    I mentioned earlier this week that I’m hosting my first Thanksgiving since having kiddos. My Dad is coming to town so it will be a small group: 3 adults and 2 kids. Even though there won’t be a lot of us, I still want to have a “traditional” Thanksgiving with all the regular fix’ ins. The problem, of course, is that this can get pretty pricey in a hurry! Yes, turkey is on sale (I snagged mine for .79/lb!!!), but when you are buying a ton of food the cost jumps up pretty quickly. To try to keep costs low I decided to plan a reasonable menu and stick to it. I often find that I can go…
  • Life Happenings…

    Ashley
    18 Nov 2014 | 6:04 pm
    Hi guys! Probably didn’t expect to hear from me this evening, hmm?? Truth is life has been scattered lately! Instead of having posts pre-planned and waiting to go up at “X” time, I’ve just been writing and pressing “publish” whenever I can. Writing as life happens, that is. At any rate, we’re back in our house. It’s still a bit of a cluster. They had to re-carpet two rooms and although the carpet installers moved things for us, it was still quite an ordeal. The cribs were too big to fit through the door frames so had to be completely…
  • Tracking Expenses and Budgeting

    Ashley
    17 Nov 2014 | 6:44 am
    Hi all! I’m about to run out the door to drop the girls off at preschool. The plan is to check out of the hotel today and go back to our own home (fingers crossed). Should know more about that in the coming hours…. Right now, though, I wanted to ask you guys’ advice about how to handle all of the extra expenses we’ve incurred (specifically regarding the hotel room and food). Would you enter these into your regular budget?? I tend to think I would just make one entry – the $500 deductible for our renter’s insurance. Then I would track all of our expenses…
  • Am I Being Punk’d???

    Ashley
    16 Nov 2014 | 7:00 pm
    This was the question I thought to myself after my husband called me Sunday afternoon to let me know his truck had just stopped working. He’d been able to make it to an auto shop  right off the highway and was told the likely issue would be about a $2,000 repair. I had to laugh, if only to keep from crying. Husband immediately starts talking about buying a newer (used) truck by taking out a loan. My reaction is, “Absolutely Not!! More debt is not the solution!!!!” I tell him to start googling and/or craigslisting used trucks while he’s waiting for the mechanics to…
  • “Crappy” Day

    Ashley
    15 Nov 2014 | 2:19 pm
    Warning:  Pretty graphic details to follow so if you have a weak stomach….you’ve now been warned. Friday started out pretty normal. I took the girls to preschool, hit up the gym, and settled into working at the JCC. About noon I had to come home because I was expecting a package that required a signature. I got home, ate lunch, and jumped in the shower. I took an indulgently long shower. This is one of the areas that I’ve tried to cut-back since I’ve been blogging away my debt but a long, steaming-hot shower is one of my favorite weaknesses and on this day I decided…
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    Clever Dude Personal Finance & Money

  • Clever Posts Of The Week – November 21st

    Brock
    21 Nov 2014 | 4:49 am
    I’ve got a busy, and potentially expensive weekend ahead of me.  Tonight we’re going to a friend’s 40th birthday party.  It’s in a nearby town, so I won’t be partaking in any adult beverages so we can come home and save on a hotel room.  But, we have to fill the tank, get a gift and eat dinner somewhere along the way.  Saturday evening my wife has a charity event to go to.  She already has the ticket and outfit purchased, but she’s got an appointment at the salon for hair and nails.  This event is also out of town, so more gas into the van.  I think…
  • Contemplating the Intricacies of Open Bar Etiquette

    Brock
    19 Nov 2014 | 3:29 am
    Image courtesy of iosphere at FreeDigitalPhotos.net While waiting for my wife to put the finishing touches on her makeup, I checked my wallet to make sure I had an ample supply of singles. We were headed to a wedding and I wanted to make sure I had one dollar bills to tip the bartender. As the minutes ticked by I occupied my time by contemplating the intricacies of wedding bartender tipping. Do I need to tip? The wedding was for a daughter of a coworker. He had told me about a discussion he had with the groom’s parents, and how he had emphatically stated that at his family’s weddings…
  • Save Money By Re-Purposing Your Outdoor Furniture For the Winter

    Brock
    17 Nov 2014 | 3:00 am
    One of my favorite summertime activities is sitting outside on the deck. Whether it’s having a cold one with some friends, or laying on our outdoor couch reading or book or even taking a little nap, I love being outside.   But as we enter the colder months of a Midwest winter, we are faced with the same question each year. Where are we going to store our outdoor deck furniture? While it is outdoor furniture, I don’t like leaving it exposed to the harsh winter elements.  So each fall, I play a fun game of deck furniture Tetris trying to fit the pieces together such that it takes up as…
  • Clever Posts Of The Week – November 14th

    Brock
    14 Nov 2014 | 6:32 am
    Exciting times here at CleverDude as my post about FREE Software that can save money and headaches was picked up by Money Talks News.  I’m always grateful to be picked up by a bigger website for the opportunity to share my posts with a larger audience.   Anything exciting happen in your lives this week? Speaking of exciting, here’s some posts to get excited about….happy weekend Clever Friends! How Managing Debt Is Like Dieting from Money Smart Guides The place you live in is what you do with it from Reach Financial Independence When Can I Afford to Take a Vacation? from…
  • Save Money By Giving Unwanted Electronics For FREE

    Brock
    12 Nov 2014 | 2:00 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net After buying a new TV a couple of weeks ago, we did the television shuffle. Even though the bulb that lit our old LCD TV blew about every 9-12 months, we thought maybe it would last longer if it wasn’t used as often. It’s high definition capable, and much larger than the old picture tube TV we had in our basement. So, the new TV went in our great room, the TV that had been in the great room went in the basement, and the one in the basement was marked to be scrapped. There was one very important question we needed to answer, however.
 
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    Don't Mess With Taxes

  • House files Obamacare lawsuit against Obama Administration

    skbell1
    21 Nov 2014 | 12:39 pm
    Looking for a hint as to how the new Republican controlled Congress will work with the Democratic president for the next two years? We got an answer to today: Not very well. Republican House leaders finally filed the long-threatened lawsuit against the Obama Administration. The Senate is not involved in the action.  In recent months, two law firms withdrew from the case, many suspect because of potential political repercussions. House Speaker John Boehner (R-Ohio) on Nov. 18 hired Jonathan Turley, a George Washington University professor who is an expert on constitutional law, to handle the…
  • Oregon cities want part of the recreational pot tax jackpot

    skbell1
    20 Nov 2014 | 12:56 pm
    Oregon voters on Nov. 4 approved use of small amounts of recreational marijuana in their state. The fight over taxing weed, however, continues. The ballot initiative that passed by a 56-to-44-percent margin specifically gave the state the exclusive right to tax marijuana. City officials are fighting that provision. State vs. local taxation: Under Measure 91, which takes effect July 1, 2015, producers will be taxed $35 an ounce for the most potent parts of a marijuana plant. Marijuana leaves will face a $10 per ounce tax, while there will be a $5 levy for plant starts sold to home growers. The…
  • Former GOP VP candidate Paul Ryan to head House tax panel

    skbell1
    19 Nov 2014 | 3:19 pm
    It looks like Rep. Paul Ryan is shelving national political ambitions for a while to take over the House Ways and Means committee. Ryan will assume the chairmanship of the powerful tax-writing panel on Jan. 3, 2015 when the 114th Congress convenes. He takes the gavel from W&M Chairman Rep. Dave Camp (R-Mich.), who is retiring at the end of the current congressional session. Ryan, Republican Representative for the first district of Wisconsin since 1999, announced his desire for the top tax post on Nov. 4. Click image to see interview clip via Bloomberg Politics (@bpolitics) on Twitter…
  • States continue efforts to tax e-cigarettes as vaping grows Word describing new type of smoking earns Word of the Year honor

    skbell1
    18 Nov 2014 | 3:23 pm
    Electronic devices allow smokers to inhale smokeless nicotine vapor are increasingly popular. To describe this activity, the word vape was coined. The Oxford Dictionaries today named the verb vape its 2014 Word of the Year. Tax collectors, however, don't care what it's called. More and more of them simply want to tax vaping. Only Minnesota and North Carolina have e-cigarette taxes in their tax codes, but more than two dozen state legislatures have explored similar tax bills during recent sessions. Electronic cigarettes offer a promising new area of tax, especially since real tobacco…
  • IRS offers tax relief in certain Ebola situations

    skbell1
    17 Nov 2014 | 1:50 pm
    Just when we think we've got a handle on Ebola, the disease wins a round. Dr. Martin Salia, a surgeon who contracted the deadly virus while performing his duties as chief medical officer at United Methodist Kissy Hospital in Freetown, Sierra Leone, has died in a Nebraska hospital. Salia, a Sierra Leone native who was a permanent U.S. resident, was transferred Nov. 14 to the Nebraska Medical Center's biocontainment unit where two other Ebola patients were successfully treated. Unfortunately, Salia's symptoms were far more advanced and the hospital announced his death today.
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    Money Smart Life

  • How to Improve Your Credit Score by Focusing on Payment History and Reducing Credit Card Debt

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

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

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

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

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

  • 4 Steps to Get Rid of Hoarding Habits and Save Money

    Ashley Eneriz
    22 Nov 2014 | 5:00 am
    When my in-laws moved to a different state, the real challenge came when we cleaned out their garage and started minimizing stuff for the move. “Where do you want me to start,” I asked my mother-in-law while looking at her very packed garage. She thought for a while and spent a good ten minutes telling what not to touch. I couldn’t touch those vintage items because she was going to get appraised. I couldn’t touch those boxes because my father-in-law needed to do through them. Opening up a cedar chest sent her into a huge sidetrack of memories as she looked at her grandmother’s…
  • 7 Things You Should Never Carry in Your Wallet

    Jessica Sommerfield
    21 Nov 2014 | 5:00 am
    The holiday shopping season is here again, and identity thieves are on the lookout for careless customers who either misplace vulnerable personal information, or leave it unattended in a cart. More than any time of year, this season is a prime time for stolen credit cards and swiped bank information. Why? Because your numbers and sensitive information is being used more than normal. While you shouldn’t obsess about circumstances you can’t control, (most of us have lost a card or an entire wallet at some point in our lives) there are ways you can avoid becoming a victim even if…
  • 3 Examples of Why Hand-Me-Downs are Not Just for Kids

    Travis Pizel
    20 Nov 2014 | 5:00 am
    As a kid I hated hand-me-downs. You know, the clothes, toys, or shoes that your older siblings would get brand new, but you’d receive after they outgrew them? Every pair of jeans seemed to have a whole in the knee, every shirt had something on the front that I would have never picked out, and every toy was beaten up and faded. Don’t get me wrong, I received my share of new things, but there was also a steady stream of hand-me-downs from my older brother. I just didn’t understand why my parents wouldn’t buy all new stuff for me. As an adult, my view of hand-me-downs has…
  • 5 Ways to Help Kids Turn Making Money Into a Fun Experience

    Alexa Mason
    19 Nov 2014 | 5:00 am
    One of the best ways to teach young kids about anything is to make learning a fun experience. This is especially key when it comes to anything money related. If you can find a way to think outside-the-box you can get kids excited about finances, budgeting, saving, and making money. And hopefully that excitement and eagerness will stick with them for years to come. My oldest daughter has been saving her money for quite a while. In fact, she LOVES to earn and save money. In order to help foster this excitement and create long-term spending habits, I’ve been letting her partake in some more…
  • How I Bribe My Son to Do Well in School Without Paying for Grades

    Miranda Marquit
    18 Nov 2014 | 5:00 am
    Growing up, I knew kids who were paid for their grades. An A was worth $X, and a B was worth a little less, and so on. My parents briefly flirted with the idea of paying my siblings and I for our grades, but realized it didn’t really motivate us all that much. It was unnecessary in my case, since I’m internally motivated to do well. My siblings on the other hand just didn’t care about the money. They used it as an excuse to do poorly, since if they didn’t care about the money, what was the point? In fact, only one out of the five of us were effectively motivated by…
 
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    Money Blue Book

  • 4 affordable US cities with great dining

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

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

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

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

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

  • Small Business Profile: Winter Wreaths Inc., Franklin, ME

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

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

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

    Ben
    12 Nov 2014 | 5:30 am
    A recent advertisement by esurance (by Allstate) claims that one of the reasons they are able to save you money on car insurance is because they have a fleet of Ford Fusion hybrid claims cars. I certainly commend esurance for being socially responsible in their use of hybrid vehicles to reduce their carbon footprint. Indeed it is a great thing and I don’t disagree with their statement that they will save close to 69,000 gallons of gas by 2017 with their fleet of hybrid vehicles. However, I do take issue with their implication that hybrid vehicles actually result in a net savings that is…
  • The Volvo V60 Polestar Edition: How I Successfully Beat the Temptation to Buy My Dream Car

    Ben
    10 Nov 2014 | 5:54 am
    I love Volvos! I’m not exactly sure when my “infatuation” started (or why for that matter), but when the canary yellow limited edition Volvo 850 T-5R station wagon was released in 1995 my affinity for Volvo was set and I knew that someday I would own that car! To me, the car was perfect. It was a high performance sports car built with the practicality of a station wagon. With the exception of it’s canary yellow paint job, it was a true “sleeper” car (meaning you could crush just about any other car at the stop light and they’d never know what hit…
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    The Dough Roller

  • DR 129: 5 Simple Strategies to Stay Productive Working from Home (bet you never thought of #5)

    Rob Berger
    20 Nov 2014 | 5:29 am
    I‘ve struggled with productivity for years. Give me a deadline and I can work like a rented mule. Leave me to my own devices, however, and I’m as productive as carefree summer day at the beach. This really came to light for me when I started working from home. With no supervisors and few hard deadlines, I found a lack of productivity to be extremely frustrating. It not only affected my work, but also virtually every other part of my life. For example, I wasn’t getting the day-to-day stuff done timely. It was taking far too long to finish daily tasks.  Sometimes it would take me…
  • DR 128: What All Kids Should Know About Saving & Investing–An Interview with Author Rob Pivnick

    Rob Berger
    18 Nov 2014 | 10:28 am
    With a son and daughter now grown, I often wonder how well I prepared them to handle finances. While they are both now in their early 20’s, the truth is that their financial education is far from over. I continue to work with them on everything from budgeting to investing. And that’s why Rob Pivnick’s book, What All Kids Should Know About Saving and Investing, caught my attention. Don’t let the name fool you. This book could easily serve as the first book anybody, child or adult, reads about money. In fact, I’d say it’s more for teenagers than younger…
  • DR 127: iQuantifi–Interview with its Founder Tom White

    Rob Berger
    17 Nov 2014 | 6:05 am
    Robo-advisors are all the rage today. These online tools help automate investing, from picking an asset allocation plan to buying the mutual funds or ETFs to rebalancing. What they don’t do, however, is help us with broader financial planning tasks. Enter iQuantifi. Founded by Tom White, a former financial planner and investment advisor, iQuantifi is trying to do to financial planning what the robo-advisors are doing to investing. iQuantifi is a goals-based online financial planning tool. It can help you plan short and long-term financial goals (e.g., retirement, education, buying a…
  • DR 126: The Most Popular Personal Finance Books

    Rob Berger
    15 Nov 2014 | 9:50 am
    In last week’s newsletter I asked the following question: What is your favorite book about money. Some of the responses listed popular books. Some mentioned books that were new to me. Here are the results: The Millionaire Next Door by Thomas J. Stanley Ph.D: By far the most popular response, this book is one of my favorites, too. It challenges are beliefs about who millionaires are and how they live. Forget what you may see on TV or read in magazines, most millionaires are ordinary people, working ordinary jobs, living ordinary lives. A reader named Bill had this to say about the book:…
  • DR 125: A Podcast Listener Interviews . . . Me

    Rob Berger
    12 Nov 2014 | 8:33 am
    It was bound to happen sooner or later. It started with an innocent email from a listener of the Dough Roller Money Podcast. They asked if I would dedicate a show to talking about . . . me. For better or worse, they wanted to know about the guy behind the mic. Do that triggered the bright idea to have one of the listeners to the podcast email me. I mentioned one day on a podcast, and sure enough, a number of volunteers responded. A listener named Robert responded first, so he won the “prize.” Rather than list topics we discussed during the interview, let’s get right to it.
 
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    Moolanomy Personal Finance

  • 5 Preparation Tips to Buy and Sell a Home Simultaneously

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

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

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

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

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

  • Citi Prestige Card Review

    Hu$tler
    22 Nov 2014 | 7:22 am
    Citi ThankYou® Prestige Card offers 30,000 bonus ThankYou Points after $2,000 in purchases made with your card in the first 3 months. This includes the $250 Air Travel Credit each year along with complimentary 4th night for any hotel stay. As a cardholder, you’ll also get complimentary access to nearly 40 American Airlines Admirals Club lounges, plus hundreds of VIP lounges through Priority Pass Select. The card has no foreign transaction fees on purchases and a $100 Global Entry application fee credit. You’ll earn 3x points on Air Travel and Hotels, 2x points on Dining at…
  • Bank of America Visa Checkout $10 Bonus

    Hu$tler
    22 Nov 2014 | 5:13 am
    Bank of America/Visa Checkout is offering a $10 Prepaid Reward Visa Card when you sign up with a Bank of America Visa debit or credit card by 12/4/2014. There is no need to buy anything to get the $10 bonus but simply sign up for a Visa Checkout account. With Visa Checkout(similar to Paypal), you don’t need to type in your card numbers for shopping online at participating online merchants. Capital One 360: Earn Up to $1050 Capital One 360 Checking Account offers $50 bonus promotion with 3 debit purchases and no direct deposit requirement. There is no minimum or monthly fees and free…
  • Amazon $10 Promo Code with $50 Gift Card Purchase *Targeted Offer*

    Hu$tler
    22 Nov 2014 | 12:38 am
    Targeted offer only, Check out this Amazon.com free $10 promo code with a $50 Gift Card purchase using promo code GCNOVEMBER good through November 30, 2014. You will need to be logged into your Amazon account to see the promotion if you qualify. Those who do not qualify, you’ll see a notification that you are not eligible for this offer. This is an easy $10 promo code if you shop often on Amazon and doesn’t hurt to click on the link to see if you qualify. This is an excellent offer if you are eligible and shop at Amazon. Simply put, all you need to do is purchase an Amazon.com $50…
  • Featured 0% APR on Balance Transfers & Purchases – November, 2014

    Hu$tler
    21 Nov 2014 | 6:53 pm
    The Featured 0% Balance Transfer & Purchase Cards are available below from longest 18 months to the lowest 12 months intro period. If you are carrying a high balance and paying interest each month, you can save a lot of money by doing a balance transfer of your balance to a 0% intro offer credit card. It’s important to factor in the balance transfer fee of 3% of your total balance. Some cards below also have sign up bonus which can help you offset the balance transfer fee. After doing a balance transfer, simply pay the minimum each month and pay no interest for the duration of your…
  • Chase Slate Review: 15 Months 0% APR Balance Transfer and Purchases with No Balance Transfer Fee

    Hu$tler
    21 Nov 2014 | 11:37 am
    By far the best card for a balance transfers, the Chase Slate® is offering a 0% Introductory APR on balance transfers and purchases for 15 months and $0 balance transfer fee! With no balance transfer fee for the first 60 days, the Slate from Chase is offering interest free payments for up to 15 months with no catch and no annual fee. You’ll also get 0% intro APR on purchases for 15 months, then after the introductory offer, the purchase APR becomes 12.99%, 17.99, or 22.99% variable. It has been years since I saw a no balance transfer fee credit card! Most, if not all credit cards, want…
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    Personal Finance News

  • On Thanksgiving Weekend Downtown Denver Starwood Hotel Guests “Skip the Lines” To Experience Brilliant: Cartier in the 20th Century with VIP Tickets for the Denver Art Museum’s Newest Blockbuster Exhibition

    ACN Staff
    21 Nov 2014 | 2:58 pm
    LIGHTNING RELEASES: Denver, CO (11/21/2014)- Looking for a brilliant way to spend Thanksgiving weekend? The Denver Art Museum’s spectacular Brilliant: Cartier in the 20th Century exhibition at the Denver Art Museum is now open, and both the Sheraton Denver Downtown Hotel and The Westin Denver Downtown offer VIP packages that include non-timed tickets allowing hotel […]On Thanksgiving Weekend Downtown Denver Starwood Hotel Guests “Skip the Lines” To Experience Brilliant: Cartier in the 20th Century with VIP Tickets for the Denver Art Museum’s Newest Blockbuster Exhibition was…
  • Radio Hosts Offer Sexy Christmas List

    ACN Staff
    21 Nov 2014 | 12:10 pm
    LIGHTNING RELEASES (11/21/2014) – Morning radio hosts Larry Whitler and Robin MacBlane have released a new upbeat Christmas song titled, “Sexy Christmas List.” Whitler and MacBlane host the radio program AM Ocala Live heard weekday mornings on popular Central Florida radio station WOCA The Source in Ocala, Florida. In addition to being radio personalities, the […]Radio Hosts Offer Sexy Christmas List was created by and is property of American Consumer News.
  • Great Holiday Gift: Running Doc’s Guide to Healthy Running

    ACN Staff
    21 Nov 2014 | 12:09 pm
    Injured Runners Can Get Back on Their Feet with New E-book Edition of Running Doc’s Guide to Healthy Running LIGHTNING RELEASES: Boulder, CO, USA (11/21/2014) — Running Doc’s Guide to Healthy Running: How to Fix Injuries, Stay Active, and Run Pain-Free is the first comprehensive guide to avoiding and overcoming running injuries—and it’s now available […]Great Holiday Gift: Running Doc’s Guide to Healthy Running was created by and is property of American Consumer News.
  • Selfie On A Stick LLC Partners with Nordstrom for the Perfect Holiday Selfies

    ACN Staff
    21 Nov 2014 | 4:00 am
    LIGHTNING RELEASES 11/20/14 –New York City, NY – Selfie On A Stick LLC is very excited to announce that Selfie On A Stick will be available for purchase at The Holiday “Gift & Go” Pop-In@Nordstrom shop, launching November 21st on Nordstrom.com and in select Nordstrom stores across the country including Bellevue and Seattle Washington; Dallas, […]Selfie On A Stick LLC Partners with Nordstrom for the Perfect Holiday Selfies was created by and is property of American Consumer News.
  • TTR Releases Expanded Tax Answer Charts

    ACN Staff
    21 Nov 2014 | 3:09 am
    LIGHTNING RELEASES: McMinnville, Oregon (11/20/2014)- Transaction Tax Resources (TTR), the industry leader in providing accurate sales and use tax answers, is excited to announce a significant tool for sales and use tax professionals. We spent years developing this content. We recently gathered feedback from leaders in every industry: our clients. When asked, our clients shared […]TTR Releases Expanded Tax Answer Charts was created by and is property of American Consumer News.
 
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    Cash Money Life | Personal Finance, Investing, & Career

  • Is It Worth It To Pay Movers?

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

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

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

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

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

  • 4 Reasons You Should Look Into Self-Employment

    GMM
    19 Nov 2014 | 1:00 am
    Self-employment is something I highly recommend that people try out if they are not happy working for someone else. I know a few people who actually hated self-employment and left the self-employment world, but I know many people who have tried self-employment and will never go back to working for someone else.Myself? I am someone who will never leave self-employment unless I am absolutely forced to. Self-employment has treated me greatly, and leaving this just does not seem possible for me.Below are four reasons for why you should look into self-employment if you are not happy at your day…
  • How Can Young People Begin And Maintain Their Financial Future?

    GMM
    18 Nov 2014 | 12:02 pm
    Finances are a topic that some young people overlook. This can then lead to money problems such as credit card debt and living paycheck to paycheck. However, hopefully that does not include you.Starting your financial future now will put you ahead and can help lead to less money-related stress and hardship in your life. There are many things you will want to think about as a young person who is interested in securing their financial future.You will want to think about investing, what you will do about student loans (if you have them), eventually moving out and living on your own (and the…
  • Five Blogging Mistakes That May Be Ruining Your Blogging Career

    GMM
    17 Nov 2014 | 1:00 am
    Many may not want to admit it, but every single blogger out there has made some form of a blogging mistake. If there is someone out there who wants to say that they are perfect, please send me an email because I want to personally bow down to you for being perfect There is nothing wrong with making a mistake when blogging, however, you do want to learn from and correct your mistake as soon as possible.Below are five different blogging mistakes that may be ruining your blogging career:1. You don’t care about networking.Networking is extremely important as a blogger. You want to connect with…
  • Can I Make Money Online?

    GMM
    13 Nov 2014 | 2:00 am
    Rarely does a day go by without someone asking me if making money online is a scam or not.Well, let me tell you now. It is NOT a scam to make money online. Yes, there are some scams out there, but there are plenty of legitimate online jobs out there where you can earn a full-time living from the comfort of your home.Below are different things you might want to think about when thinking about whether or not you want to make money online.Don’t ever pay in order to work.One way to spot an online job scam is if they ask you to pay money to them upfront in order to do the job. I guess in…
  • How To Become A Life Coach

    GMM
    12 Nov 2014 | 2:00 am
    If becoming a life coach is a dream of yours, then today’s post is one for you. I have been thinking about getting a life coach for myself, and possibly one day even coaching others.If you love helping others, then becoming a life coach can be a fun and fulfilling career for you.As a little background into the life coaching career, I will answer the question “What exactly is life coaching?”Life coaching is sort of like counseling. This is where you help people in their lives reach goals by motivating them and providing guidance to them.You will be helping your clients obtain and lead…
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    Everybody Loves Your Money

  • Link Love 11/21/14

    Alexa
    20 Nov 2014 | 8:15 pm
    Happy Friday! Hope you had a good week and that you’re not too cold :) In case you’re in need of some weekend reading here are some of my favorite posts from the week! What to Know Before Becoming a Stay at Home Mom @My Stay at Home Adventures 5 Obstacles That Are Keeping You in Debt @Critical Financial How I’m Hustling to Pay Off My Enormous Student Loan Debt @The Budget Mama The Benefits of Long Term Food Storage and Preparedness @The Frugal Farmer Making the Same Debt Mistakes Again @Dinks Finance Have a great weekend! The post Link Love 11/21/14 appeared first on…
  • 12 Ways to Save $50 a Month {Part 1}

    Alexa
    18 Nov 2014 | 8:15 pm
    If you could find a way to save a recurring $50 each month in a total of twelve months you’d be able to cut your budget by $600 in one year! While it might feel overwhelming to find 12 different sources of income to save in one month doing these tasks one month at a time is a pretty reasonable plan. If you’re ready to drastically reduce your budget here are the first six ways to save $50 a month! # 1 – Switch Your Auto Insurance As an ex-insurance I can vouch for the fact that you should switch your auto insurance carrier every three years. If you don’t your premium is just going…
  • How to Get More Done When Working from Home

    Alexa
    16 Nov 2014 | 8:15 pm
    I’ve been on a big time management kick lately. It all started when I set the goal to triple my income in six months. Since then I’ve made steady strides and have been able to dramatically increase my productivity. For those of you looking to earn more income, whether that be from a side hustle or your work from home job, or for anyone who just feels like they’re not making good progress on their goals I wanted to share what’s really been working for me. Here’s how to get more done when working from home. Create a Specific Work Space I work from home. For the past year and a half…
  • Link Love 11/14/14

    Alexa
    14 Nov 2014 | 8:06 am
    Happy Friday! Hope you had a good week. Has anyone had snow where they live yet? We got out first round of flurries on Wednesday and I was so not ready for that! If you’re staying in inside this weekend to keep warm here’s some reading to keep you company! Is Buying a Home a Good Investment? @CFinancialFreedom How Our Financial Outlook is Influenced by Our UpBringing @Journey to Savings Tips that Making Buying a Used Car Easier @FineTunedFinance How to Break Up With Your Cable Provider @Thousandaire How to Get An Amazon Price Adjustment @Savvy with Saving Have a good weekend! The…
  • 3 Ways to Save Energy in the Cold Winter Months

    Alexa
    11 Nov 2014 | 8:15 pm
    Once upon a time I didn’t worry about saving energy. My electric and heating costs never fluctuated much, even in the super cold months. Then after getting divorced I moved into a trailer. I went from having $150 heating bills in a 1400 sq. ft. home to having $500 heating bills in a 900 sq ft trailer! Those bills stretched my budget to the max. I remember the first time I got my heating bill for the trailer. I almost cried. I couldn’t fathom paying that much money to heat such a small place. But the bill wasn’t a mistake. I was wasting some serious energy! Through that crisis I learn…
 
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    CreditCards.com

  • Low credit score linked to higher heart disease risk

    Kelly Dilworth
    21 Nov 2014 | 6:15 am
    A low credit score isn't just bad for your wallet. It could also indicate you're struggling with your health. According to a paper published this week in the Proceedings of the National Academy of Sciences, bad credit is strongly linked to poorer heart health. "Following 1,000 individuals from birth to midlife, we show that low credit scores predict cardiovascular disease risk," write study authors Salomon Israel, Avshalom Caspi, Daniel Belsky, HonaLee Harrington, Sean Hogan, Renate Houts, Sandhya Ramrakha, Seth Sanders, Richie Poulton and Terrie Moffat in the report, "Credit Scores,…
  • How I beat coupons with discount gift cards

    Karen Haywood Queen
    19 Nov 2014 | 5:00 am
    The Coupon Maven placed $300 worth of groceries on the conveyor belt and I watched in awe as she used coupons to cut her bill to $250. I wanted to capture that kind of savings, too. So every week, I'd spend about 30 minutes clipping and ripping coupons from the Sunday newspaper. They piled up everywhere -- in the car, on my desk and, rarely, in my coupon book. But at most I'd save $10. Every couple of months, I'd throw away nearly all of the coupons, expired and unused. I felt like a failure. Then I discovered discount gift cards. People who receive gift cards they don't want sell them to…
  • 5 resourceful ways to save money on Black Friday

    Sienna Kossman
    18 Nov 2014 | 8:55 am
    Thanksgiving is just around the corner, which means consumers and retailers are gearing up for the busiest shopping time of the year.Cue the Jaws soundtrack. I've been an early morning-after-eating-too-much-turkey shopper a number of times, but I'm sitting this year out to save extra money and spend time with family. For me, the insanely cheap kitchen appliances and sweaters can wait.However, if you're one of the brave souls venturing out on Black Friday -- or even Thanksgiving night -- to snag some discounted booty, best of luck. I recommend using these thrifty tips alongside the usual "plan…
  • How cutting credit limits hurts cardholders, the economy

    Fred Williams
    17 Nov 2014 | 1:24 pm
    About a third of U.S. households do something that looks irrational to economists. They keep money in the bank, earning next to nothing, while they also carry a sizeable balance on credit cards. Economists call it the "credit card puzzle." The average APR on cards that carry a balance is about 13 percent, according to the Federal Reserve. So the smart move would be to pay down card balances with savings. Scott Fulford, an economist at Boston College, has studied the puzzle, and thinks he's unlocked the solution. In a working paper published by the Federal Reserve Bank of Boston, Fulford says…
  • Retailers tug holiday shopper heartstrings with charity donations

    Kelly Dilworth
    14 Nov 2014 | 5:00 am
    As the holiday season closes in, you may notice a growing number of stores trying to tug at your heartstrings -- and your wallet -- by advertising charitable donations alongside traditional holiday promotions. According to the Cause Marketing Forum, everyone from the retail giant Target to the niche candy purveyor, Seattle Chocolate Company, is launching some kind of charitable initiative this season. Mazda, too, announced it will donate $150 to charity for every car purchased or leased between Nov. 21 and Jan. 2. Similarly, retailers such as Kmart, Kohl's, Bloomingdale's, Seattle Chocolate…
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    One Frugal Girl

  • Gift Exchanges: Really Crappy Gifts

    One Frugal Girl
    21 Nov 2014 | 8:02 pm
    Two years ago my brother and I officially stopped giving each other gifts for Christmas. I can say without a bit of remorse that I’m glad we ended the exchange. Every year it became more difficult to decide on a gift and the added stress and cost just wasn’t worth it anymore. It was a mutual agreement; my brother was just as happy to end the swap as I was. Honestly, I wish I could end the majority of my gift exchanges. I’d prefer Christmas to work like Thanksgiving where we drive to someone’s house, eat good food, spend quality time together and head home. More often…
  • Maternity Clothes: Dreading Winter

    One Frugal Girl
    20 Nov 2014 | 8:25 pm
    My son was born in October, which means my belly didn’t start blossoming until late spring/early summer. That was a great time to be pregnant because I didn’t need to waste a lot of money on maternity clothes. I found a bunch of inexpensive summer dresses and billowy tops and wore them while I was pregnant. They still reside in my closet and I pull them out every summer when the weather turns warm. This time around I’ll be pregnant in the midst of winter and I’m having a pickle of a time finding any clothes that work for me. I hate the feeling of maternity pants. I…
  • Free $10 Credit to Educents

    One Frugal Girl
    19 Nov 2014 | 9:20 am
    Get a free $10 credit when you join the Educents.com website. New members will receive $10 worth of Edubucks, which can be put toward the purchase of ANYTHING on the Educents site. No minimums or catches! Educents is an online daily deal site that offers affordable educational products for students, parents and educators by working with established educational suppliers. You will receive your code via email. Coupon expires in 6 months.
  • Nesting Progress

    One Frugal Girl
    18 Nov 2014 | 6:04 pm
    As I clean out the house in preparation for our new little bundle of joy I am perpetually amazed by the sheer amount of stuff that exists within the confines of our walls. Every time I revisit the closets, dressers and drawers in my house I find something else that can be dragged off to the donation center. Although I love reorganizing I absolutely hate seeing how much money I’ve wasted over the years. After moving things from room to room one too many times I finally decided to get rid of a box full of dishes, platters, plates, vases and candle holders. I hate to admit it, but most of…
  • Nesting: The Second Time Around

    One Frugal Girl
    13 Nov 2014 | 2:12 pm
    I love second trimester nesting! I’m currently twenty-one weeks pregnant and suddenly feel a compulsive need to clean the house, remove all the clutter and organize everything. I started in the kitchen, moved to the dining room, tried my best to wrangle the chaos that is our living room and then moved upstairs. I don’t feel as anxious about getting everything ready this time around. Before my son was born I wanted every little detail to be complete. I asked my husband to paint the nursery, I assembled the crib and dresser and applied jungle themed decals to the walls. Long before…
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    My Dollar Plan

  • Black Friday 2014 Free Stuff

    Madison
    21 Nov 2014 | 6:45 am
    Black Friday 2014 Free Stuff! It’s the annual Black Friday 2014 free stuff list! It’s one of the most exciting and one of my favorite Free Money (or in this case free stuff!) offers. Compiling the list for free stuff on Black Friday is also one of my favorite holiday traditions! Black Friday 2014 Free Stuff I searched through all the Black Friday ad sites to compile the list of Black Friday freebies. It’s separated by free, free after rebate, and free with purchase. Be sure to check the ad scans for accuracy, and verify what time the price ends in your area. I put notes by each…
  • Upromise Rewards Cashback

    Madison
    20 Nov 2014 | 7:05 am
    Up next in our holiday cash back series is Upromise! Upromise is one of my favorite cash back programs. It’s also a reader favorite… Remember when reader Shaun highlighted Upromise as his go-to cashback program in his $12,000 Amazon Success Story? How to Earn Money with Upromise Sign up for a Upromise account. Earn cashback shopping online. You’ll get your payment in the form of a check, 529 plan contribution, or student loan payment. Upromise is a free rewards program designed to help you save for higher education expenses. However, it’s also a great cashback program…
  • Consider These Hidden Costs Before You Cut Your Cable

    Kristen
    19 Nov 2014 | 6:44 am
    Cable is one of those bills that is completely optional, yet many people have it. If you’ve been diligently trying to cut your household costs, get out of debt, or save more money every month, you’ve probably thought about canceling cable. A market research group, The NDP Group, estimates that the average family will be paying $123 every single month for cable. That is $1,476 per year just to have cable. That may make you want to cut the cord, but before you go ahead and cancel, you might want to consider these hidden costs before you cancel. Photo Credit: espensorvik/flickr Consider…
  • Inexpensive Holiday Gifts for Staff

    Kristen
    18 Nov 2014 | 6:38 am
    Our countdown to the holidays continues this week with our holiday gift guide series! This week we’re focusing on inexpensive holiday gifts for staff. If you have employees or other staff to buy for, we’ve got you covered! The holiday season is a busy time for everyone. With the end of the year closing, it can also be a stressful time at your business, regardless of your industry. You’re wrapping up things from this year, preparing for next, and all while dealing with the holiday bustle. Inexpensive Holiday Gifts for Staff Giving your employees and staff something they can…
  • How to Get Through the Holidays Debt Free

    Don
    17 Nov 2014 | 6:36 am
    Ahh, the holidays. They are a great time of year. For me they are better now than in the past. This is because in the past, I never budgeted for gifts. In January I would find myself in a few hundred dollars of debt and spend the next few months paying it off, only to find myself right back in the same situation the following year. It really was maddening. Luckily, I have since changed my ways. How to Get Through the Holidays Debt Free I no longer go into debt for the holidays. In fact, I do a few things now that help me to safely navigate the holidays. Below are my tricks for getting through…
 
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    My Financial Journey

  • Retirement Nestegg Report – October 2014

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

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

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

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

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

  • Find Your Passion (It’s Probably Right in Front of You)

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

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    10 Nov 2014 | 4:00 am
    Do you hide cash or other valuables around the house, for emergencies or otherwise? (Should you admit that on the internet if you do? Probably not…) There must be quite a few people who do though, because I stumbled across a bunch of different ways to hide money around the house. Thank you, random Amazon suggestion for making me forget whatever I was actually looking for. Check out some of the things I found. (Clicking the images below will take you to Amazon using my affiliate link if you want get sidetracked like I was.) Apparently many of them are made from the actual objects, so I…
  • What Does a Holiday Budget Include?

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    3 Nov 2014 | 4:00 am
    The holidays seem to sneak up on us, and then all of a sudden they’re everywhere we look. And they often seem to end up costing more than we thought. I suspect this is because we often forget to account for all of the little details that might be involved with a holiday. Take Christmas, for example. Depending on how you celebrate, it could involve a variety of purchases. (There’s everything from a gingerbread house kit to travel expenses.) So what does a holiday budget include? It could include things like: Decorations (tree, ornaments, wreathes, garlands, poinsettias, replacement…
  • Selling on Amazon FBA: My Personal Experience

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

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    20 Oct 2014 | 5:00 am
    Some parents may not consider allowing their young teen to get a checking account at all, but there are valid reasons why it can be good for them to have one. A checking account can teach them how to use ATM cards, debit cards, and even checks responsibly while they are still under your direct supervision (as opposed to when they go off to college and aren’t…) Consider the following factors when deciding when your teen should get a checking account. 1. Their age. At least in the U.S., a teen can’t have “signing privileges” on an account until they are at least…
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    Million Dollar Journey

  • Save Money with USD to CAD Foreign Exchange using Norbert’s Gambit

    FrugalTrader
    17 Nov 2014 | 4:30 am
    With the U.S Dollar (USD) gaining strength in the global currency game, it has resulted in the Canadian Dollar (CAD) losing some ground.  While this means that shopping in USD is more expensive for Canadians, it’s great news for those who have some of their nest egg or generate income in USD. While it’s a great time to own USD, how does someone convert USD to CAD without getting gouged by the bank?  The answer – Norbert’s Gambit. I wrote an article about Norbert’s Gambit using the DLR and DLR.U ETFs as a cheap way to convert CAD to USD.  Basically you would…
  • Gas Rewards Programs Compared

    Guest Blogger
    10 Nov 2014 | 4:30 am
    Almost everyone needs to buy gas and I suspect most Canadians have participated in a rewards program affiliated with their favourite brand. But, are these rewards actually worthwhile? Are you getting a half decent return on your spending and, more importantly, do these rewards deserve your precious loyalty? In fact, some of these programs DO provide half-decent value while others probably aren’t worth the time it takes to collect them. You’d be better off focusing on all the other ways to save on gas. I’ve done an analysis to separate the wheat from the chaff and the results are below…
  • Aeroplan Promo, Estate Planning, Saving on Travel, Lessons from Elders and more!

    FrugalTrader
    7 Nov 2014 | 4:30 am
    For Aeroplan fans, TD Infinite Visa has an enticing limited time promotion (expires December 19, 2014): Current offer: Welcome Bonus of 15,000 Aeroplan Miles with your first purchase and an additional 10,000 miles when you spend $1,000 on your Card within the first 90 days (enough for a free flight in North America). Plus, no Annual Fee for the first year ($120 savings).    More info on the promo here. The card offers 1.5 pts/$1 spent at gas stations, grocery stores, drug stores and on AirCanada.com.  1 pt/$1 spent on everything else, and a very comprehensive travel insurance offering.
  • Net Worth Update November 2014 – Sean Cooper (+5.21%)

    Sean Cooper
    3 Nov 2014 | 4:30 am
    Welcome to the Million Dollar Journey November 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. 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 Day Job: Employed with a major global pension consulting firm. Family Income: $50,000 (full-time job); $18,600 (rental income before expenses); and, $20,000 (approximate freelance income). $5,000…
  • How Much Does Electricity Usage Cost?

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

  • How To Avoid The 3 Biggest Risks In Peer Lending

    Joseph Hogue, CFA
    20 Nov 2014 | 4:30 am
    Know the risks and tools before jumping into the world of online loans, and you could join thousands of borrowers that are beating their banks. The post How To Avoid The 3 Biggest Risks In Peer Lending appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Take The Focus Off Gift Giving And Onto Jesus This Advent

    Melissa
    19 Nov 2014 | 4:24 am
    Every year, our culture seems to move further from "The Reason for the Season." What are your favorite ways to teach your kids more about Jesus? The post How To Take The Focus Off Gift Giving And Onto Jesus This Advent appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Why You Shouldn’t Give Your Child Everything This Christmas

    Melissa
    18 Nov 2014 | 4:58 am
    We Americans spend a lot on our kids for Christmas presents, according to Mint.com "the average family spent around $750 on holiday gifts." Is it too much? The post Why You Shouldn’t Give Your Child Everything This Christmas appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Form Good Money Habits That Stick

    Miranda Marquit
    11 Nov 2014 | 4:05 am
    One of the biggest challenges faced by many consumers is that they don’t know how to form good money habits that stick. It’s depressingly easy to get caught in a personal finance boom and bust cycle in which you live spare for a few months to pay off debt, and then, once the scarcity is […] The post How To Form Good Money Habits That Stick appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Nvestly.com Social Investing Platform: $2500 Launch Giveaway

    Peter Anderson
    10 Nov 2014 | 1:52 am
    Nvestly is an aggregator for your investment accounts, and lets you compare your performance to your peers. They're also giving away $2500 in Apple stock! The post Nvestly.com Social Investing Platform: $2500 Launch Giveaway appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • Lake Effect Snow, Web Cameras, Travel Insurance and #BestThisWeek

    bigcajunman
    21 Nov 2014 | 4:10 am
    We got to see what Lake Effect Snow actually means with some vivid photos of Buffalo getting buried by 7 feet of snow. They are getting more snow today evidently, this is why I am happy that Ottawa only has a river running through it. The worst part of this is that it might rain in Buffalo putting all roofs in the area in the peril (7 feet of heavy wet snow is not what any how is designed to support). Mr. Cardinal Confirms, Winter Sucks Enjoy  your web cams and such? The laptop I am typing on has one pointed right at me, but evidently our Russian hacking friends have sites from hacked…
  • Great Possible Financial Book Titles

    bigcajunman
    19 Nov 2014 | 4:03 am
    After a long discussion with my publisher (BCM Publishing) about my upcoming book, we got stuck on what the title should be, so here are some of the best possible titles that we can think of for this soon to be best-seller.  Remember the title is what sucks folks into reading it, and we aren’t completely sure what the Main Thematic Premise of the book should be either, so I have included a quick explanation with each title: How About this title: Better Catch Up on RRSPs!!! Starting Investing Late; Stock Tips for the Dead Investor Figure it is a dead sure best seller? Too much? You can…
  • What is Financial Literacy (2014 Edition)

    bigcajunman
    17 Nov 2014 | 3:14 am
    A few years back I wrote about financial literacy, and you may not know, that November is Financial Literacy month in Canada, although, financial literacy should be an all year round kind of thing. Just like Movember (which I am actively participating in after removing the Big Cajun Beard) it’s nice for folks to think about a topic, but like any health issue you should not only be worrying about money and Financial Literacy in November, you should be worrying all year round about your finances (well maybe not worrying, certainly thinking about it). Mr. Lydon’s new Book…
  • Asteroids, Tax Cuts, Lemurs and #BestThisWeek

    bigcajunman
    14 Nov 2014 | 4:09 am
    We have finally landed on an asteroid, isn’t that great news? It is interesting that is for sure, they are having some glitches with the part that is supposed to make sure it stays attached, but pretty amazing stuff, given the Asteroid isn’t that big, and it is going quick quickly. Never has so much time been spent putting a dishwasher on a thing going real fast in space. Some concerns have arisen about whether it will be able to do a full rinse cycle. New Twitter Icon I must thank my parents that they pushed me to get a University Education, after watching those two window…
  • How Class B Shares Cured Me of Stock Picking

    bigcajunman
    12 Nov 2014 | 4:14 am
    When I was young and dynamic I invested in individual stocks, I watched trends and I tried to read the Yearly prospectus for every stock every year, and it was thanks to reading the original WWE IPO (after I’d bought some of their stock (yes I am an idiot) that I was cured of stock picking of “interesting stocks” (unfortunately it didn’t cure me of investing in Nortel, which I worked for at the time, but again, that is my own damn fault). The Market Where You Need to Know All the RulesImage courtesy of audfriday13, at FreeDigitalPhotos.net To outline what I found out…
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    Early Retirement Extreme

  • Perspectives on human performance

    Jacob
    22 Nov 2014 | 8:37 am
    One of my informal theories is that a great deal of human performance metrics span about an order of magnitude. A very strong person is about 10 times stronger than a very weak person. A very fast person is about 10 times faster than a very slow person. In particular There are some for whom a marathon is just a training run. There are some for whom a 5k is just a training run. There are some for whom 500m is just a training run. There are some for whom walking is just a training … walk. … It is very interesting how wide the range can be. I use it as a reminder: Whenever I think I…
  • Symptoms and diseases

    Jacob
    21 Nov 2014 | 8:32 pm
    Don’t confuse the two. Don’t mistake the symptom for the disease, that is, don’t mistake the surface problem for the underlying problem. Consider the problem of terrorism. Terrorism is a symptom when a ruler holds the military advantage while oppressing the people. In this case a fraction of the people will fight back and do so with the only means possible: hitting soft targets (since they don’t have the military advantage) to make the political/economical/military cost of oppression too high. One would consider the power structure of the country the disease and the…
  • More about the book

    Jacob
    21 Nov 2014 | 8:32 am
    The title of the book is “Early Retirement Extreme — A philosophical and practical guide to financial independence”. In terms of physical properties, it is 238 pages long and has 400+ words per page. The ink-density is high, a comparable e-book would be 500 pages long. click here to order (more ordering details are given in the previous post) The book took 22 months to write and 5 months to edit. It is not a blog-to-book book in the sense of stringing together a bunch of blog posts and passing it off as a book. Aside from one section in the book, I have written everything…
  • Does retiring early lead to a shorter lifespan?

    Jacob
    20 Nov 2014 | 8:30 pm
    Not according to this graph, which shows an almost inverse correlation between retirement age and lifespan, that is, the sooner you retire, the longer you will live. The graph shows linearity going into earlier years. It is interesting how long that relation holds. This somehow contrasts with this study which comes to the opposite conclusion. However, if, as stated in the comments, the study was not corrected for the poorer health of some early retires, e.g. people retire early because they are in poor health, the conclusion that one doesn’t live long is obvious, no? A priori reasoning…
  • The second step out of consumerism

    Jacob
    20 Nov 2014 | 8:26 am
    One of the cornerstones of consumerism is the development of desires. Insofar that marketing and product developers can not think of novel products a good strategy to keep consumers buying is to engage them in a cycle of upgrading. Upgrading can be a competition both with others but I think it works more effectively when compared to oneself. Ideally one would choose to buy a product that is accurately and deliberate chosen to just satisfy one’s needs (see graph), no more, no less. However, it can be hard to ignore one’s wants, especially given the brochures and advertising about…
 
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - October 2014 ($1,855,696, +$18,816)

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

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

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

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

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

  • Happy Veterans Day

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

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

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

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

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

  • Get Your Bassbuds This Black Friday

    Lulu
    19 Nov 2014 | 3:48 pm
    So I got Bassbuds earbuds in the past and have been using them constantly in the office because I love them. They are truly a great pair of earbuds and they look good as well. So what are Bassbuds? Well they are a fusion of style and technology so you get great sound in a stylish in-ear audio technology system. They also come equipped with a Swarovski cut element in each earbud so you look super stylish while you enjoy your music. I got the white ones and I cannot seem to get a great photo of the bling but here is what they look like. BassBuds and BassBoomz make the perfect gift for music…
  • I Need To Go To Starbucks

    Lulu
    4 Nov 2014 | 11:35 pm
    I need to go to Starbucks and not just because I am under the influence of the latte effect. I need to go to Starbucks and not because I suddenly won the lottery. I need to go because I won some gift cards a few months ago and I have not been using them. I love coffee and while I do not want to spend my own money on the very expensive coffee at Starbucks I can certainly spend the gift cards that I won. I feel like I need some coffee especially at this time since it has been getting really cold lately and I am also not sleeping as well with the demands of work and school. I do not want to let…
  • November Finances: Week 1

    Lulu
    2 Nov 2014 | 2:31 pm
    I normally post my financial status on Fridays but since I forgot last Friday..and this is the beginning of a new month I thought it fitting to get it in now. This week my expenses were: $259.04 for my second to last tuition payment for the fall semester. I have one more payment to go because there was a glitch with the system and we were all forced to go on a payment plan while our waivers were applied. The good thing is the $25 installment plan was waived for my department because of the glitch so I got to spread out my payments without being charged extra for that privilege. $31.74 on new…
  • Got Another Credit Card

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

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

  • Boob Update: Back, Forth, and Back Again

    funny
    22 Nov 2014 | 7:10 am
    Okay, so WonderSurgeon is at last convinced, and so am I, that the best thing to do is to have the boob OFF, and better yet, to get them both off so as to bring a stop to concerns about the other breast and so I don’t have to spend the rest of my life lopsided. It’s taken a while to get to this point. Last week (was it only last week?) I went in to see the radiation oncologist. By then WonderSurgeon and I had decided to keep the boob and do radiation and aromatase inhibitors. This new doctor, though, said she would do it but that the chance of recurrence was high and that the side…
  • Consumer-proof Packaging: What’s in YOUR Kitchen Drawer?

    funny
    20 Nov 2014 | 9:57 am
    So the other day I went to open a bottle of cheap wine, the type with the screw-on cap. Naturally, I reached into the kitchen drawer — premium real estate in this house — and quite naturally pulled out a wrench. Yeah. There’s a wrench in the kitchen drawer, something no woman in my mother’s generation (or in mine, until rather recently) would EVER have allowed to take up space there. This led me to reflect on the the ubiquity of consumer-proof packaging — almost everything you buy is hermetically sealed in layers of plastic (much of it hard as a football helmet)…
  • Neighborhood Patrol? Really?

    funny
    18 Nov 2014 | 8:41 pm
    What on earth could they be thinking? The current bunch that’s taken control, with vivacious élan and enthusiasm, of the neighborhood organization has decided that nothing will do but what we must have a neighborhood watch. Astonishingly, the Phoenix police department is aiding and abetting this bit of foolishness. The neighborhood association is recruiting people to join up and take a (1) training class, after which, presto-changeo, “you will leave the class trained to help with our PNP.” You realize Arizona is a concealed-carry state. The legislature in its infinite…
  • Boob: To Be (attached) or Not to Be (attached)

    funny
    17 Nov 2014 | 10:11 am
    Okay, so the Mayo docs have relented on the clinic’s policy to the extent that they’re offering me a choice: if I want to take a chance that the 2014 no-ink-on-tumor guidelines for excision margins are safe, they will give me radiation and hormone treatment. Or, if I prefer not to run the 20 percent risk of recurrence and 10 percent risk of invasive cancer, then they will lob off the offending boob. Which, they wonder, do I prefer? A man of my acquaintance thinks I don’t understand anything I read on the Internet, especially if the reading level exceeds that of, say, Cosmo…
  • Creamless Creamed Spinach

    funny
    15 Nov 2014 | 2:00 pm
    Spinach: weirdly, I love it! Especially I love it prepared in the Julia Child mode. Julia would quickly parboil a few fistfuls of fresh spinach — dump it in boiling water and then forthwith pour it into a colander or strainer. Then she said to wrap it in paper towels or a clean white cotton towel and wring the water out of it; then toss it on the cutting board and chop it up. Next, melt a ton of butter in a pan, add the spinach, cover, and allow to sit over very low heat while you go on about your business preparing the rest of the meal, at least 20 minutes or half an hour. Keep the…
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    Lending Club Blog

  • New and Improved Statistics Page

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

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

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

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

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

  • How To Get White Teeth Without the Costly Treatments

    moneysma
    20 Nov 2014 | 8:54 am
    Fact: great teeth make you look like you’ve got money and yellow teeth make you look much older.
  • Celebrate Thanksgiving On A Budget

    moneysma
    20 Nov 2014 | 8:53 am
    With Thanksgiving just around the corner, you’re probably thinking about where to have the party, who will be coming and what to include in the menu.
  • Simple steps to apply for federal tax filing extension

    Moneycation
    20 Nov 2014 | 7:34 am
    The Internal Revenue Service does provide a solution for situations when filing your taxes simply doesn’t work within the time frames that are set universally for every business and individual in the country.
  • Travel Blogger Interview – Natalie Sayin

    modestmoney
    19 Nov 2014 | 11:06 pm
    Natalie Sayin is the author of Turkish Travel Blog. And with her passion in history, she shows us the beauty of Turkey through her lens and writing. Follow her travels thru Facebook, Twitter and Instagram; and visit Turkey without having to leave your home.
  • Top Reasons You Should Get a Business Appraisal

    modestmoney
    19 Nov 2014 | 11:04 pm
    Every business owner wants to be successful, and some make the mistake of assuming that the bottom line in their accounting software is all the proof they need to determine just how well the company is doing and how much it’s worth. But this isn’t accurate
 
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    Money Crashers

  • 4 Cheap & Healthy Specialty Foods You Can Make at Home (Recipes)

    Laura Williams
    21 Nov 2014 | 9:30 am
    I spend a ridiculous amount of money at the grocery store. This is partly because my husband and I almost never eat out (but we do eat a lot), and it’s partly because we buy an abundance of organic, high-quality food. Over the last few years I’ve started trying new things in the kitchen, looking […] 4 Cheap & Healthy Specialty Foods You Can Make at Home (Recipes) is a post from the Money Crashers personal finance blog.
  • 10 Tips to Choose the Right Sneakers or Athletic Shoes

    Laura Williams
    20 Nov 2014 | 9:00 am
    John Wooden, the acclaimed UCLA basketball coach who won 10 NCAA championships in a 12-year span, used to start each season by teaching his players the right way to put on their socks and shoes. Now, you’d think that young men would know how to do this by the time they got to college, but […] 10 Tips to Choose the Right Sneakers or Athletic Shoes is a post from the Money Crashers personal finance blog.
  • How to Dye Concrete Floors in Your Home

    Laura Williams
    19 Nov 2014 | 10:15 am
    My husband and I recently undertook a barn renovation, or a “barnovation,” as we’ve taken to calling it. What was, quite literally, a horse barn – manure and all – was renovated into a 900-square foot live-work studio. While we paid contractors to run the electrical and plumbing, frame and drywall the interior, and lay […] How to Dye Concrete Floors in Your Home is a post from the Money Crashers personal finance blog.
  • Are Online Degrees Worth It? – Cost, Perception & Downsides

    Michael Lewis
    17 Nov 2014 | 8:00 am
    According to a 2014 Pew Research report, Millennials – those born after 1980 – are the best-educated generation in the history of the United States. More than one-third have bachelor’s degrees, compared to one in four of their parents and grandparents. This statistic may surprise many readers, considering the exponential increase in the cost of education during […] Are Online Degrees Worth It? – Cost, Perception & Downsides is a post from the Money Crashers personal finance blog.
  • 5 Creative Storage Ideas for Small Spaces

    Laura Williams
    12 Nov 2014 | 8:30 am
    The last three years have resulted in significant downsizing for my husband and me. We started in a 1,260-square-foot house with significant storage space, a storage shed, an attic, a utility room, and an additional 750-square-foot garage. We then downsized to 1,100 square feet with lots of closet space, and access to a garage and […] 5 Creative Storage Ideas for Small Spaces is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Want to make tons of money? Two keys

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

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

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

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

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

  • How to Trade Put and Call Options

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

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

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

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

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

  • Barbarous relics finding a home in Switzerland

    Francois Viljoen
    28 Oct 2014 | 2:44 pm
    Switzerland is a country where very few things begin, but many things end. F. Scott Fitzgerald On the 30th of November the Swiss will head out to vote on whether or not their currency will become partially backed by gold again. If the result is a “yes”, the Swiss National Bank will have to repatriate […]
  • SARB hikes interest rates

    Francois Viljoen
    18 Jul 2014 | 12:04 am
    The South African Reserve Bank (SARB) governor Gill Marcus announced yesterday that the REPO rate will be hiked by 25 basis points. This is the second rate hike this year and takes the REPO rate up to 5.75% and the prime rate up to 9.25%. Yes folks. It has started.
  • Democracy in Action

    Francois Viljoen
    23 Jun 2014 | 1:49 am
    The best argument against democracy is a five-minute conversation with the average voter. Winston Churchill If you live in a “modern democracy” and you think you are going to vote your way out of trouble, in my judgment, you are rather optimistic.
  • If Solomon was a Baby Boomer

    Francois Viljoen
    19 Jun 2014 | 7:32 am
    The borrower is servant to the lender, except when borrowing to finance the purchase of a house, or a car. Proverbs 22:7, New International Baby Boomer Translation
  • The answer is: 5 years

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

  • 5 Smart Career Moves for the Modern Woman

    Ginger
    20 Nov 2014 | 10:20 am
    When it comes to analytics, there is a surprising shortage of talent in our technology-driven world. According to McKinsey & Company’s big data report, the United States could be short up to 190,000 qualified employees by 2018. There is a demand for employees who have the analytical skills and know-how to use the data produced to make effective business decisions. This demand has been recognized by colleges and universities across the globe — so much, in fact, they are developing new business analytical degrees to meet this shortage. Women in pursuit of a rewarding new career…
  • Join Our Twitter Chat for Entrepreneurs with Jen Groover, Avon + Me

    Ginger
    17 Nov 2014 | 4:00 am
    Female entrepreneurs ROCK.  And Avon is in the business of empowering women to embrace entrepreneurship giving them the financial freedom they crave.  This is my third series with Avon and I am continually amazed at the life-changing stories shared by women who utilized the opportunity to quit their job, pay off debt and/or achieve financial freedom.   I am in the business of empowering women to find their center – financially – so I feel personally invested in this campaign. I understand the need to create financial freedom, especially as a woman in today’s economy.
  • Lifelong Learning with Ashford University

    Ginger
    14 Nov 2014 | 1:49 pm
    Ashford University’s Forbes™ School of Business promotes lifelong learning by bringing all of their educational resources to the student through technology. Ashford’s caters to the needs of working adult students. Even with the time constraints of a career or raising children, Ashford works with their remote students to become leaders in today’s business world. Ashford University fosters a culture of collaboration, educating in both technical skill and creative critical thinking. The educational process is modeled to the needs of each individual student, according to their goals. With…
  • If You’re Not Tracking Sales Then Your Business is Not on Track

    Ginger
    7 Nov 2014 | 12:25 pm
    When it comes to running a business, it is imperative that you track your sales. It’s easy to start out by just looking at how many items you sold and say, “I must be doing well on visitors.” However, without good tracking you won’t have any idea as to where a lot of this traffic came from and in turn, you won’t know what paid services or marketing is working best for you. There are businesses out there that are not taking the time to track where their business is coming from, so they are essentially wasting money on some areas of marketing that isn’t doing them any good while…
  • Bethesda, MD – Smart Women Finish Rich Seminars

    Ginger
    7 Nov 2014 | 8:03 am
     Smart Women Finish Rich® Seminars are here in DC! We’ve teamed up with Edelman Financial Services to get the word out about educating smart women about the steps needed to achieve their financial goals! Bethesda, MD is up next on November 11 2014 and November 12, 2014  at 1pm or 7pm   I had the pleasure of attending the Fairfax, VA event last night.  The information presented was very educational without being “salesy”.  After chatting with some of the ladies from the Meetup group, they felt the same way I did.    I got the sense that Edelman Financial…
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    The Finance Buff

  • Vanguard Solo 401k Illegally Refuses Incoming Rollover From IRA?

    Harry Sit
    17 Nov 2014 | 4:49 am
    Speaking of solo 401k, I heard that Vanguard recently asked all its solo 401k plan customers to “amend and restate” their plan with a new package of documents. This is not unusual. Laws and regulations change. Plans are required to adopt the changes in order to stay compliant. After patching one amendment after another, amending and restating incorporates everything into one clean set of documents. I looked at the new document in Vanguard’s Individual 401(k) New Plan Kit. It appears to me that the new document says the plan accepts incoming rollovers from IRAs. Not…
  • Solo 401k CP 214 Notice: Much Ado About Nothing

    Harry Sit
    13 Nov 2014 | 4:54 am
    Whenever I get a letter from the IRS, my heart rate goes up. I’m afraid they are telling me something I don’t want to hear. The latest letter from the IRS is quite strange. It’s about my solo 401k plan. For more background on solo 401k, see Solo 401k When You Have Self-Employment Income. The IRS letter tells me that I may have to to file a 5500-EZ on paper or a 5500-SF electronically for the plan year ending on December 31, 2014. The filing isn’t due until July 31, 2015. Why do they remind me now in November, 8 months before it’s due? It’s way too early for…
  • Bank of America Travel Rewards Visa: Better Than Fidelity AmEx Or Citi Double Cash

    Harry Sit
    11 Nov 2014 | 4:58 am
    I opened a brokerage account at Merrill Edge and a checking account at Bank of America in August. I’m expecting the up to $1,000 bonus any day now. See previous post Merrill Edge + Bank of America = Free Trades + Free Checking + No ATM Fee. After three months, I qualified for Bank of America’s Preferred Rewards program. In addition to free trades and a free checking account that reimburses ATM fees with no minimum balance or direct deposit requirement, the third component I put into the Preferred Rewards program is a BankAmericard Travel Rewards credit card. On its own feet, this…
  • Fidelity Freedom Index Funds: Hidden Gems For Your IRA, Solo 401k, or Brokerage Window

    Harry Sit
    5 Nov 2014 | 4:57 am
    While automated investment management services using ETFs get the news coverage, don’t overlook the tried-and-true target date funds. They are still a very good choice at least for the IRAs, where most people have the majority of their retirement money, and where fancy tax loss harvesting doesn’t apply. Fidelity quietly opened up to retail investors a line of target date funds composed of index funds. Besides Vanguard, Fidelity has become a second major mutual fund company that offers target date funds based on index funds to all investors. These funds are called Fidelity Freedom…
  • Schwab Intelligent Portfolios: Game Over For Betterment and Wealthfront?

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

  • Capital One 360 Black Friday Sale 2014 Bonus Offers Are Coming

    Max Messner
    21 Nov 2014 | 8:20 am
    The Capital One 360 Black Friday Sale will once again offers special promotions on a variety of Capital One 360 accounts from Friday, November 28th, through Monday, December 1, 2014. Check out the 2014 Capital One 360 Black Friday Promotions Page for specific details once the offers go live. The post Capital One 360 Black Friday Sale 2014 Bonus Offers Are Coming appeared first on Maximizing Money.
  • AAdvantage eShopping Mall Offers 1,050 Bonus Miles

    Max Messner
    21 Nov 2014 | 8:15 am
    The AAdvantage eShopping Mall is offering up to 1,050 bonus American Airlines miles when you meet qualified spending through November 24, 2014. Just enroll in this AAdvantage eShopping Mall Promotion to earn up to 1,050 bonus AA miles. The post AAdvantage eShopping Mall Offers 1,050 Bonus Miles appeared first on Maximizing Money.
  • Ting Mobile Service Refer A Friend Program $100 Credits

    Max Messner
    21 Nov 2014 | 8:10 am
    The Ting mobile service offers new customers a free $100 credit toward a device or as a Ting credit, plus current customers can get $50 in credit for your referrals via the Ting Refer A Friend program. Just visit this Ting $100 Referral Link to get a $100 credit toward your Ting monthly services or a $100 discount off a new phone through December 1, 2014. The post Ting Mobile Service Refer A Friend Program $100 Credits appeared first on Maximizing Money.
  • HelloFresh $20 Food Credit on Home Delivered Meals

    Max Messner
    21 Nov 2014 | 8:07 am
    HelloFresh delivers fresh ingredients for home-cooked meals directly to your door including nutritious recipes, so that you can prepare delicious meals without any hassles. You can save $20 off your first order at www.hellofresh.com with the Promo Code 4Y5FQY to get started. The post HelloFresh $20 Food Credit on Home Delivered Meals appeared first on Maximizing Money.
  • Amazon $10 Promo Code with $50 Gift Card Purchase – Targeted

    Max Messner
    20 Nov 2014 | 2:59 pm
    Amazon.com will give you a free $10 promotional code with a $50 Amazon Gift Card purchase, valid for targeted customers through November 30, 2014. Just click on this Amazon $10 Promotional Credit Offer and use code GCNOVEMBER to get a $10 promotional credit when you purchase $50 worth of Amazon Gift Cards. The post Amazon $10 Promo Code with $50 Gift Card Purchase – Targeted appeared first on Maximizing Money.
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    Abacus Wealth Partners

  • What’s the Nightly Rate on Your Vacation Home?

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

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

    Alan Ungar
    6 Nov 2014 | 9:46 am
    Ten years ago my business partner and good friend, Mark, died of colon cancer. Though I was devastated, I focused on running the business and developing a succession plan. Many of our clients were widows, so I decided to take a grief-counseling workshop with the hope of learning to be more empathetic while helping them to move on with their lives. I “lost it” during one of the workshop exercises. Not only had I never allowed myself to grieve Mark’s death, but I had never gone through the grieving process when my mother died 50 years earlier. I handled her death much the way…
  • Introducing Our New Web Portal

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

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

  • How Soon After Bankruptcy Will You Qualify for a Mortgage?

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

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

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

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

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

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
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  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
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  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
 
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  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
  • add this feed to my.Alltop

  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
  • add this feed to my.Alltop

  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
 
  • add this feed to my.Alltop

  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
  • add this feed to my.Alltop

  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
  • add this feed to my.Alltop

  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
 
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  • This woman is 'glad' she used to be a man

    22 Nov 2014 | 7:36 am
    This woman is 'glad' she used to be a manAOL OriginalsOur Lady J feels that being raised as a man before becoming a woman was a privilege.'Power' she feels she hasMore from 'True Trans'Memories of gender dysphoriaComing out as trans
  • Obama changes mission in Afghanistan

    22 Nov 2014 | 7:36 am
    Obama changes mission in AfghanistanGettyWhile the military had previously been limited to counterterrorism, the president recently approved guidelines that will change that.Who military will be targetingMore news contentHillary sounds off on immigrationThe economy of equality
  • How many calories are really in this?

    22 Nov 2014 | 7:36 am
    How many calories are really in this?GettyThanksgiving dinner isn't about healthy eating -- but you may be surprised by your actual intake.Plus, everything you need for the perfect holidayGet a tasteFive big Thanksgiving mistakesWhat is the 'gratitude attitude'?
  • Cops arrest would-be bomb suspects in Mo.

    22 Nov 2014 | 7:36 am
    Cops arrest would-be bomb suspects in Mo.GettyAs Ferguson waits for a decision, two men were arrested for buying explosives they planned to detonate during protests.Tensions still running high Related headlines Darren Wilson to resign?Michael Brown's dad urges peace
  • Amidst scandal, Cosby was his old self at show

    22 Nov 2014 | 7:36 am
    Amidst scandal, Cosby was his old self at showGettyBill Cosby performed at a Florida comedy club and, for 90 minutes at least, regained the revered status he long enjoyed.He has 'no answers' to innuendosRelated coverageCosby wanted interview scuttledRaven Symoné blasts allegations
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    Bible Money Matters

  • How To Avoid The 3 Biggest Risks In Peer Lending

    Joseph Hogue, CFA
    20 Nov 2014 | 4:30 am
    Know the risks and tools before jumping into the world of online loans, and you could join thousands of borrowers that are beating their banks. The post How To Avoid The 3 Biggest Risks In Peer Lending appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Take The Focus Off Gift Giving And Onto Jesus This Advent

    Melissa
    19 Nov 2014 | 4:24 am
    Every year, our culture seems to move further from "The Reason for the Season." What are your favorite ways to teach your kids more about Jesus? The post How To Take The Focus Off Gift Giving And Onto Jesus This Advent appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Why You Shouldn’t Give Your Child Everything This Christmas

    Melissa
    18 Nov 2014 | 4:58 am
    We Americans spend a lot on our kids for Christmas presents, according to Mint.com "the average family spent around $750 on holiday gifts." Is it too much? The post Why You Shouldn’t Give Your Child Everything This Christmas appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Form Good Money Habits That Stick

    Miranda Marquit
    11 Nov 2014 | 4:05 am
    One of the biggest challenges faced by many consumers is that they don’t know how to form good money habits that stick. It’s depressingly easy to get caught in a personal finance boom and bust cycle in which you live spare for a few months to pay off debt, and then, once the scarcity is […] The post How To Form Good Money Habits That Stick appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Nvestly.com Social Investing Platform: $2500 Launch Giveaway

    Peter Anderson
    10 Nov 2014 | 1:52 am
    Nvestly is an aggregator for your investment accounts, and lets you compare your performance to your peers. They're also giving away $2500 in Apple stock! The post Nvestly.com Social Investing Platform: $2500 Launch Giveaway appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • What You Should Do If Your Mortgage Is Underwater

    Kevin
    21 Nov 2014 | 9:00 am
    Much has been made in the past few years of homeowners who walk away from homes that are worth less than the outstanding mortgage balance. The process even has a name – strategic default – which is abandoning an investment that no longer looks promising. But is that the right course of action? And what should you do if your mortgage underwater? There are actually several things that you can do to deal with an underwater mortgage, but let’s start by discussing something that you shouldn’t do. An Underwater Mortgage is Not a Pass to Abandon the Home Many homeowners walked away from…
  • How to finally get started with your business idea

    Bob
    19 Nov 2014 | 8:26 am
    I remember sitting in my cubicle, with cloth walls surrounding me – or should I say caving in on me – with the sterile glow of a fluorescent light above my head. I had to stand up and look 50 yards in either direction just to catch a glimpse of sunlight. I still remember the best few minutes of my day was when I got to walk underneath a huge tree that stood just outside the building near the entrance of my corporate day job. To do this day, I don’t really understand why that tree inspired me to believe that I could start a business, but it did. I would walk under that tree…
  • 15 Healthy Slow Cooker Meals for under $10

    Jen
    18 Nov 2014 | 9:10 am
    Fall is the perfect time to break out the slow cooker.  I love that my family and I can still have healthy, home cooked meals for dinner, without the fuss and cleanup of actually preparing a huge meal every night.  Slow cookers are the perfect tool for a busy family and can help you save time and money.  These simple and healthy meals are easy to throw into the slow cooker in the morning, making your evening hassle free. Best of all, they are all under $10 a meal! Crockpot Honey Garlic Chicken   Slow Cooker Cuban Beef     Slow Cooker Chicken Parmesan   Slow Cooker…
  • How to Give a Cell Phone As A Gift: 8 Important Tips

    John Frainee
    18 Nov 2014 | 8:00 am
    Thinking about getting that fancy new cell phone for your someone special this Christmas? Great idea! But before you head to your local cell phone store, there are a handful of important tips you should know so that you don’t spoil the surprise or hit a roadblock. As an ex-employee of a major cellular carrier, I’ve seen it all. People walk through the door expecting to purchase a cell phone for their loved one, only to walk out with nothing. Why does this happen and what can you do about it? And, how can you find some ways to save money on your purchase? 1. Make sure you’re…
  • How Should a Teenager Handle Saving vs. Spending?

    Kevin
    14 Nov 2014 | 9:00 am
    The saving vs. spending transition is something of a rite of passage every teenager needs to experience in order to get on the road to financial security and independence later in life. But it’s also a surprisingly difficult lesson to learn, since saving money is a major component of money management overall, and teens are usually seeing for the first time. This is especially true once they land their first job, and begin earning money on regular basis. But that’s also the perfect time for them to begin learning the critical difference between saving vs. spending. How do you make that…
 
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    PT Money

  • How to Get to Zero Credit Card Debt with ReadyForZero.com

    Philip Taylor
    13 Nov 2014 | 6:45 am
    Creating a plan to get rid of your credit card debt is fairly simple. First, list out all of your debts and rank them according to one of three methods: highest interest rate (debt avalanche method), lowest total balance (debt snowball method), or most emotional. Then, start aggressively paying off debt #1, while making minimum payments on the others. Work your way down the list over the course of weeks, months, years until you are debt free. Easy, right? A company called ReadyForZero wants that process to be even easier. Their online based tool let’s you securely sign up and provide your…
  • 3 Financial Worries That Didn’t Exist For Your Parents

    Emily Guy Birken
    11 Nov 2014 | 7:50 am
    Between taking on way too much student debt, doing sensitive banking on smart phones, and forgoing home ownership, it may seem like all of us are ignoring the money lessons our parents and grandparents tried to teach us. Being careful with money is looking more and more like a skill from a previous century. But the real issue isn’t loss of money skills. It’s the fact that the financial world has seriously changed in the past few years—and how it will continue to change. Millennials (and the generations that come after them) are dealing with new and difficult financial problems that…
  • $2,500 AAPL Stock Giveaway from Nvestly

    Jason Price
    10 Nov 2014 | 6:00 am
    We all know that personal money management has it’s fair share of challenges.  Sometimes you can feel like you’re on an island all by yourself trying to figure things out.  This may be especially true for some of you when it comes to investing for the future. There are certainly well-known options you can pursue to tackle the difficult task of investment planning.  You can work with a financial advisor as many people do, read investment banks, blogs and more.  Obviously, you need to do your due diligence to make sure you can trust an advisor’s investment decisions and that they…
  • New and Improved Citi / AAdvantage Platinum Select MasterCard 50,000 Bonus Miles REVIEW

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

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

  • Medicare, ACA care and how to navigate during enrollment

    Mark Miller
    20 Nov 2014 | 7:26 am
    This is enrollment season for two huge public health insurance programs: Medicare and the Affordable Care Act health insurance exchanges. For older Americans, the overlapping sign-up periods can lead to confusion and enrollment errors. Insurers offering Medicare and ACA policies have big money at stake, and consumers are subject to a blizzard of marketing messages. Annual enrollment for Medicare prescription drug (Part D) and Advantage (Part C) plans began Oct. 15 and runs until Dec. 7; shopping for healthcare policies in the marketplace exchanges created under the ACA began Nov. 15 and ends…
  • Five takeaways on retirement policy from the midterm elections

    Mark Miller
    13 Nov 2014 | 2:52 pm
    Retirement policy wasn’t on the ballot in last week’s midterm elections. But the new political landscape could threaten the retirement security of middle-class households. With Republicans in full control of Congress, expect efforts to cut Social Security and Medicare benefits. And more Republican-controlled statehouses mean more efforts to curtail state and local workers’ pensions. One positive note: Congress and the White House could find common ground on some promising ideas to encourage retirement saving. My Reuters column this week looks at five policy areas to watch that…
  • Biggest surprises in retirement? The experts weigh in

    Mark Miller
    5 Nov 2014 | 6:59 am
    The Great Recession served up some nasty financial surprises to retirees – the housing crash, job loss and shrunken 401(k)s top the list of causes for the retirement insecurity that so many face. But retirement can bring lifestyle surprises, too. It’s one of life’s biggest transitions, and a major leap into the unknown. Hoping to lessen the guesswork for people who aren’t there yet, I asked retirement experts who work with people transitioning to retirement – about the surprises they hear about most often from those who have already retired. My Reuters column this week…
  • The 50-Plus Job Market: 5 Trends to Watch

    Mark Miller
    3 Nov 2014 | 5:00 am
    Working longer is a mantra these days for many Americans hoping to build greater retirement security. Staying on the job even a few years beyond traditional retirement age makes it easier to delay filing for Social Security; it also can mean more years contributing to retirement accounts and fewer years of depending on nest eggs for living expenses. But since the Great Recession, staying employed has been easier said than done for all workers. The economy has continued to mend gradually, and the job market has improved. How are older workers faring? The picture is mixed. More older workers…
  • A report from the epicenter of encore careers

    Mark Miller
    31 Oct 2014 | 7:57 am
    PHOENIX – The ironic location of the Encore 2014 conference wasn’t lost on Marc Freedman, the organization’s founder and CEO: Maricopa County, Arizona, birthplace of the idea of retirement as a time of leisure. In January, 1960, Del Webb opened Sun City here. Marc Freedman“Webb was a remarkable social innovator, and he came up with the idea of a community where, because everyone was old, no one was old – you could recapture your youth,” Freedman said at the conference, which brought together 450 national leaders focused on social entrepreneurship and…
 
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    Intelligent Speculator

  • Top 101 Dividend Stocks – November 2014 Edition – Why 101 stocks?

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

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

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

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

    IS
    17 Oct 2014 | 2:00 am
    As many of you know the Ultimate Sustainable dividend portfolio was built over a year ago as an attempt to slowly become financially free. It is the most important part of my passive income plan and in weeks like the past 2 ones where we start to see panic in the financial markets, it’s a good process for me to go back and see how the portfolio is doing. As is always the case, you can get extra information in my newsletter, it’s free to sign up for here: Without further wait, let’s get started. Here are the portfolio holdings as of last night: TickerNameSharesOct 16 2014…
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    Don't Quit Your Day Job...

  • Net Worth in the United States: Zooming in on the Top Centiles

    PK
    20 Nov 2014 | 4:50 am
    Ever since the 2013 Survey of Consumer Finances was released (in September of 2014), we’ve been looking forward to zooming in a bit closer to the numbers in their (much appreciated) release of microdata.  Once we wrapped our head around how they have 5 imputations to turn 6,026 data points into 31,130, then further remove 11 ultra high (read: Forbes list high) net worths due to identity issues, we were able to wade into the shallow end with a basic breakdown of American Wealth. Here’s a quick look at our estimates for 2013 Net Worths at selected Net Worth centiles – first…
  • How Early Could You Have Called an Overbought Stock Market?

    PK
    17 Nov 2014 | 5:00 am
    Although the passive portion of my portfolio remains the same (with some accounts, such as the HSA and 529s still actively having investments added), I’ve been shuttling all my active accounts to cash since January (while keeping the stocks I do have in place).  Suboptimal?  Yes, and if I see an opportunity to get in on something with reasonable valuation, I’ll deploy a bunch of cash. Still, it left me thinking – obviously, I’ve left some gains on the table.  But let’s say you made a “too early” call in the past – how early could you have…
  • The DQYDJ Weekender, 11/15/2014

    PK
    15 Nov 2014 | 9:30 am
    Once again, I’m impressed by the number of new subscribers there are to welcome… so, welcome! You know what ‘they’ say, “it’s better to spend years searching for a good financial site than to spend years reading the wrong one.” …or something like that. Links We Liked! At Budgets are Sexy (where I didn’t activate a link last week), a nice piece on telling people exactly what you want, featuring our friend Anne from Unique Gifter and Money Propeller. Evan at M Journey to Millions discusses the concept of – or perhaps the myth of…
  • The 30 Year Mortgage and Housing Accessibility

    PK
    13 Nov 2014 | 4:12 am
    Last time in a real estate piece, we talked about the historical homeownership rate in the United States, since we were able to get data back to the 1890s. This time we’ll reach back just as far, but we’ll also discuss the mortgage status of homes. Even though we don’t have the resolution to discuss the actual mortgage “innovations” which may have helped or hindered the homeownership, we can still point to historical changes and see if those innovations at least possibly changed the trajectory. A Brief History of Mortgage Innovations This isn’t a term…
  • Guilty Until Proven Innocent: Spotlight on Asset Forfeiture

    PK
    10 Nov 2014 | 3:40 am
    The Washington Post has recently been writing some very hard-hitting articles on an increasingly prevalent crime-fighting trend’s expansion to… well, something-other-than-crime-fighting, but you be the judge. Asset Forfeiture is a legal tool that lets the government preemptively seize assets of individuals suspected of being involved in a crime.  This article (and many of the recent articles in the post) have dealt with civil asset forfeiture – which uses a much more lenient (to the government) evidentiary standard of preponderance of the evidence to allow asset…
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    Quizzle Wire

  • Why Paying Off Debt is Not the End Goal

    Carrie Smith
    22 Nov 2014 | 6:00 am
    For many of us, being debt free is the end goal, the final step towards our journey of financial freedom. But we don’t give much thought to what life after debt will look like. When we imagine what our life will be like after paying off all your debts, it goes something like this; you’re hanging out on a beach somewhere, celebrating debt freedom, and able to buy anything you want. While this may come true some day, you’ll quickly learn (as I did) that reality is not quite as realistic as your dreams. Paying Off Debt is Just the First Step Setting a goal of being debt free, and…
  • 3 tips for managing money as an unmarried couple

    Miranda Marquit
    21 Nov 2014 | 6:00 am
    With the marriage age rising, and with many partners living together for years (and even having kids together) before deciding to tie the knot (if the knot is ever tied at all), it’s increasingly important to talk about money, and to figure out how to manage money as an unmarried couple. Here are 3 things to think about as you manage your money as an unmarried couple: Keep Some Finances Separate You need to set up a banking system that works well for your situation, but it makes sense to keep some aspects of your finances completely separate — especially if you don’t live together…
  • 4 weird reasons your credit score is low

    Miranda Marquit
    20 Nov 2014 | 6:00 am
    It can be frustrating to find yourself with a low credit score. If you’ve been using credit responsibly, it can be quite shocking to look at your score one day and see that it’s not as good as hoped. This happened to my husband and me once. We were applying for our mortgage several years ago, and we were surprised when my husband’s score was about 20 points lower than expected. After going through a three-bureau report with the mortgage lender, we discovered that the culprit was the fact that he had several duplicate accounts reported on his reports, some of them with inaccurate balance…
  • 7 financial moves to make before the end of the year

    Miranda Marquit
    19 Nov 2014 | 6:00 am
    If you’ve looked at a calendar recently, you know that the year is drawing to a close. Before you run out of year, it’s a good time to make a few financial moves. The right actions now could mean a better financial start to the coming year. Here are 7 financial moves to make before the end of the year: Run a rough estimate of your taxes Do you have an idea of what you will owe next April 15? “The first thing I recommend to everyone is to run a rough estimate of your taxes,” says Kate Horrell, a finance educator and writer at KateHorrell.com and Military.com. She points out that…
  • Forgotten Expenses That Can Bust Your Budget When Purchasing a New Home

    Melissa Batai
    18 Nov 2014 | 6:00 am
    When my husband and I moved across country, we struggled to decide if homeownership in our new location was worthwhile.  On the surface, homeownership looked like a great deal.  After all, in the city where we now live, paying monthly rent on a house is equivalent if not more expensive than paying a monthly mortgage. People we asked for advice commonly answered, “Why not go ahead and just buy the house?  At least you’ll be putting your money in an investment rather than just throwing it away every month.” However, the decision isn’t as simple as that. There are a…
 
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    Get Out of Debt Guy

  • What I Learned from Leyton Ward at The Advocacy for Consumer Rights

    Steve Rhode
    21 Nov 2014 | 8:34 am
    Click here for 3 things you can do right now to tackle your debt situation. Yesterday Leyton Ward and I finally did what we probably should have done two years ago, and sat down together over a great lunch and just talked. You see for what feels like the last two years Leyton and I ... The post What I Learned from Leyton Ward at The Advocacy for Consumer Rights appeared first on Get Out of Debt...
  • Settling a Three Month Old Debt

    Michael Bovee
    19 Nov 2014 | 2:45 pm
    Click here for 3 things you can do right now to tackle your debt situation. “Dear Michael, I have just sold some real estate and I would like to can I negotiate to reduce the balances of my (unsecured and secured) loans BEFORE I pay them off? Is this possible? Patti” Creditors agreeing to accept ... The post Settling a Three Month Old Debt appeared first on Get Out of Debt Guy.
  • Repossession Payment Plans With Debt Collectors

    Michael Bovee
    19 Nov 2014 | 2:22 pm
    Click here for 3 things you can do right now to tackle your debt situation. “Dear Michael, Defaulted on a motorhome. It was repossessed and sold at auction. The balance owed after the sale was assigned to a collector. That collector and I made an agreement (contract?) that I would pay a certain amount each ... The post Repossession Payment Plans With Debt Collectors appeared first on Get...
  • Why Debt Collectors Dismiss Lawsuits All The Time

    Michael Bovee
    19 Nov 2014 | 1:24 pm
    Click here for 3 things you can do right now to tackle your debt situation. “Dear Michael, While searching for information about myself online, I find out that I am being sued by a debit collection agency. I live in CA and have never received a formal complaint or summons from Livingston Financial LLC. Can ... The post Why Debt Collectors Dismiss Lawsuits All The Time appeared first on Get...
  • CFPB Pulls DriveTime Over and Slaps Them

    Steve Rhode
    19 Nov 2014 | 10:55 am
    Click here for 3 things you can do right now to tackle your debt situation. The Consumer Financial Protection Bureau (CFPB) today took its first action against a “buy-here, pay-here” car dealer. The dealer, DriveTime, harmed consumers by making harassing debt collection calls and providing inaccurate credit information to credit reporting agencies. DriveTime must pay ... The post CFPB Pulls...
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    Creditshout

  • Starwood Preferred Guest Card Rewards Program Cheat Sheet

    Clay Wyatt
    13 Nov 2014 | 9:26 am
    If you are a loyal member of the Starwood Preferred Guest program, your benefits will be better in 2015 than ever before.Two years ago, Starwood chose to focus on its most loyal customers who spend at least 50 nights in Starwood locations, offering enhanced benefits and rewards. Here is a look at what you can expect from the program and how to maximize your rewards. Secure Application CREDITSHOUT RATING: Very GoodEnhanced Benefits for Gold and Platinum MembersAs a Starwood Preferred member, you will earn 2 Starpoints per $1 spent, while earning credit toward elite status on paid and Award…
  • Best Ways To Redeem Discover Cash Back in 2014

    Christine Layton
    13 Nov 2014 | 8:03 am
    The Discover Cashback Bonus program (available to Discover it cardholders) is one of the most versatile rewards programs out there. Along with redeeming for cash, merchandise and gift cards, your rewards can go even further when you pay for online purchases with your Cashback bonus amount.Let’s take a look at your options and examine which actually makes your cash go the farthest when redeeming your rewards.1. Redeem for CashLike American Express and Capital One cards, you can always redeem your Cash Back Bonus for cold, hard cash. Discover gives you two options: a direct deposit into…
  • Barclaycard Arrival Plus MasterCard Review

    Christine Layton
    13 Nov 2014 | 7:25 am
    Secure Application CREDITSHOUT RATING: Excellent With frequent flyer programs becoming more restrictive lately, the biggest trend over the past two years has been general travel rewards cards that aren’t affiliated with a specific carrier.The Capital One Venture is one of the best-known examples of this, but Barclays joined the pack last year with their Arrival World Mastercard, which has now been rebranded as the Barclaycard Arrival Plus card. The name change comes with many upgrades to the program, many of which were asked for by the online travel community over the last year.New…
  • NFL Extra Points Credit Card Review

    Christine Layton
    13 Nov 2014 | 6:19 am
    Secure Application CREDITSHOUT RATING: Very Good Are you a big football fan? If so, the NFL Extra Points credit card may be right up your alley. This card is designed for die-hard fans who want to show their love for a favorite team while earning unique NFL-related rewards and perks.You can redeem your points for everything from NFL tickets and exclusive experiences to merchandise, and enjoy no annual fee and 10,000 bonus points.Here’s what you need to know about the NFL Extra Points card in 2013.The Sign Up Bonus for 2015The NFL Extra Points card still has the same 10,000 point sign-up…
  • Amazon Credit Card Review

    Kevin
    3 Nov 2014 | 6:00 am
    Verdict: The Amazon Rewards Visa card is good anywhere Visa is accepted and is a decent option for those who want a rewards card and shop often on Amazon.comImportant UpdateA better alternative (in our opinion) to the Amazon Rewards Visa is the new Discover it card.Now until December, Discover is offering 5% cash back on online shopping including purchases made at Amazon.com on up to $1,500 in spending. Discover also now allows you to redeem any cash back earned directly for your purchases on Amazon.At checkout you can can now select to “pay with cashback bonus” and use the…
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    Credit Card Chaser

  • What Are the Best Ways to Use Your Credit Card?

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

    Alice
    6 Nov 2014 | 10:38 am
    Credit cards can be beneficial in many ways to an individual’s finances. When used properly, they offer consumer protection on purchases, greater security than carrying cash, a financial cushion for emergencies and are inexpensive. However, there are many reasons that credit cards can hurt a consumer’s personal finances. Some of the uses of credit cards have their root cause in ignorance, while others are due to a lack of responsibility. The following are a few of the most common things people do with their credit cards that should be avoided. Saying your credit card number where others…
  • How to Avoid Getting Your Credit Card Declined

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

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

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

  • Blog Survey: Help Me, Help You

    Fitz
    20 Nov 2014 | 12:02 pm
    November is the month when I usually take the time to evaluate the year that was, and begin to plan for the year ahead. So that before the busy month of December comes, I am already starting to lay the foundation for my goals next year. In line with this, I’d like to now ask […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Blog Survey: Help Me, Help YouAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
  • Overcoming Obstacles by Steven Claunch

    Fitz
    14 Nov 2014 | 11:11 am
    When faced with a bump in the road, sometimes we forget we have a choice: overcome the obstacle or let it overcome you. Steven Claunch, who was born without fingers on his right hand and with one leg shorter than the other and has excelled in basketball nonetheless, explains why obstacles can provide an opportunity […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Overcoming Obstacles by Steven ClaunchAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details…
  • Professionalizing The Way You Work: How To Start Getting Digital with your Business

    Fitz
    11 Nov 2014 | 10:30 am
    Simpler processes, faster operations. In this day and age of mobility, technologies such as the latest gadgets, cloud computing and the countless applications are available at the disposal of business owners as well as entrepreneurs to accomplish work efficiently at the speed of “NOW”. Wish there was a start-up kit for your business to go […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Professionalizing The Way You Work: How To Start Getting Digital with your BusinessAttend a FREE Personal Finance SeminarLearn practical money…
  • Why Pinoys Spend So Much To Get The Starbucks Planner That They’ll Never Use Anyway

    Fitz
    9 Nov 2014 | 2:29 pm
    How much does it cost to get the 2015 Starbucks Planner? According to my Math, the cheapest way to get it would cost you P1,710. This is possible if you have the promo card with a complimentary sticker; activated a new Starbucks card and received the free P300 load; and then bought only the smallest […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Why Pinoys Spend So Much To Get The Starbucks Planner That They’ll Never Use AnywayAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the…
  • Three Events To Attend This November

    Fitz
    7 Nov 2014 | 4:54 pm
    Are you looking for an event to attend to this month? Below are three that you might be interested in. Ready to Be Rich: How to be Peso Wiser What: An investment talk and presentation of Avida real estate projects When: November 15, 2014 from 2pm to 6pm Where: Embassy A Ballroom, Traders Hotel, 3001 […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Three Events To Attend This NovemberAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
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    Cash Flow Planning for Life

  • When You Are an Independent Contractor You Should Know Your Business Expenses

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

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

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

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

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

  • TurboTax 2014 Marketing Mistake

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

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

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

    Joe
    31 Oct 2014 | 4:00 am
    Of all the potential problems life can serve up to us, money problems rank among the most stressful without a doubt. Ruminating about mounting debt, having trouble paying bills, knowing we are making bad choices can do quite a number on us mentally. If denial is no longer doing it for you, and you are ready to move towards a more ordered financial life, here are some helpful strategies to get you there. Do a Mental Purge One of the reasons we let our money troubles get so out of hand is our tendency to push our troubles out of our minds and go into denial mode. Obviously on some level, we are…
  • 2015 Retirement Plan Limits

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

  • Restaurant Coupon Roundup {11/21/2014}

    Lisa Thompson
    21 Nov 2014 | 8:59 pm
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Au Bon Pain – $1 Off $5 Purchase (exp: 12/1/2014) Black Angus Steakhouse – $17.99 Top Sirloin Steak, Lobster & Shrimp Meal (exp: 12/15/2014) Bob Evans – Buy 1 Breakfast Entree Get 1 Free When You Buy 2 Drinks (exp: 11/29/2014) Daphnes Greek Cafe – Buy 1 Get 1 50% Off Entree (exp: 11/30/2014) Extreme Pita – Free Bag of Pita Crisps When You Buy a Pita & Beverage (exp:…
  • VTech InnoTab Max Review and Giveaway

    Lisa Thompson
    21 Nov 2014 | 8:42 pm
    Disclosure: I received the following unit from VTech in order to facilitate my review.  All thoughts and opinions are my own.   As a blogger and a mom of 4, I’ve seen a lot of toys, games,  gadgets, and apps for kids.  And while I have reviewed and purchased some seriously amazing products, nothing has wowed me like the VTech InnoTab Max.  This tablet is designed for kids ages 3-9 (although if your kids are struggling in school, this would probably work for kids even older than 9). The InnoTab MAX is VTech’s 4th generation learning tablet. It’s got a super fast…
  • Retail Coupon Roundup {11/21/2014}

    Lisa Thompson
    21 Nov 2014 | 8:55 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Bealls – 20% Off Entire Purchase (exp: 11/24/2014) Beauty Brands – $3.50 Off $10 Purchase (exp: 11/26/2014) Bonton – 25% Off Sale Price Apparel + More (exp: 11/26/2014) Carsons – 25% Off Sale Price Apparel + More (exp: 11/26/2014) Dress Barn – 20% Off Regularly Priced Purchase (exp: 12/2/2014) Fannie May – $10 Off Fall Hostess Tower (exp: 11/24/2014) Lakeshore Learning Store – 20% Off Single Non-Sale Item (exp: 12/31/2014)…
  • LG OLED TV: A Great Family Gift from @BestBuy #HintingSeason #OLEDatBestBuy

    Lisa Thompson
    20 Nov 2014 | 2:19 pm
    Disclosure: The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free. It’s that time of year where I spend all kinds of time hunting for the ultimate family gift.  If you’re like me and you’ve been looking for a family gift that’s sure to delight everyone in your family, you’ll definitely want to check out the LG OLED TV at Best Buy. We are a one TV family and our TV was purchased 9 years ago at Best Buy.  We love it, but I’ve been thinking about adding another TV so that if…
  • Six Simple Steps To Perfect Turkey Stock

    Lisa Thompson
    19 Nov 2014 | 7:25 am
    Thanksgiving is just around the corner.  While you may be thinking about what you’re doing with your leftovers, I’m thinking about making turkey stock (or broth).  My kids LOVE broth! My son James eats a bowl of it almost every day for lunch.  I tend to buy Swanson’s Organic Chicken broth, but it can get pricy…especially when you use as much of it as we do.  Whenever I get the chance to make stock (or broth), I  make it and freeze it.  It saves us a TON of money and I like knowing exactly what is in our broth. Making good stock is a great tool for any cook to…
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    Personal Dividends

  • Want a Little Tax-Advantaged Investment Boost? Try the HSA

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

    Miranda Marquit
    4 Nov 2014 | 5:00 am
    When you decide to head off on your own, starting your own business, it makes sense to carefully consider how you will structure your business. Figuring out how to manage as your own boss means that you need to have a solid idea of which business organization is best for you. Here are some things to consider: Paperwork The first thing you need to realize is that you will need to have some idea of how to handle the paperwork associated with your business. Different structures come with different paperwork requirements. If you decide to stick with a sole proprietor organization, there is no…
  • IRS Announces Retirement-Related Changes for 2015

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

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

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

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

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

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

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

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

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

  • iZettle Continues Expansion: Now Available In The Netherlands

    Rob Lewis
    20 Nov 2014 | 2:08 pm
    iZettle, which claims to be “Europe’s number one mobile payments provider” has extended its European expansion to the Netherlands. To celebrate the launch, the first 5,000 entrepreneurs and small businesses that sign up for the iZettle service there will receive one of its mini card readers free of charge. “A lot of people prefer to pay by card these days,” says Samy, who sells issues a week of the popular Amsterdam street newspaper Z! Samy, who buys Z! from the publisher for €1.10 and sells it on the street for €2, was one of the Dutch entrepreneurs and small businesses…
  • Paranoid Spenders: 43% of Britons Check Online Banking Twice a Day

    Rob Lewis
    19 Nov 2014 | 2:42 pm
    New research by a money saving website has revealed that over two in five Britons check their online banking and banking apps at least twice a day. Almost half of these revealed that they did so to ‘watch out for fraud,’ whilst three quarters (76%) felt they needed to ‘regularly track spending’. A discount website in the UK has carried out research to investigate the finances of Britons and how aware they are of their bank balances. The research revealed that over two in five adults check their finances at least twice a day. Furthermore, the survey revealed that more than two thirds…
  • Oyster Card Users: Are You A Victim Of “Card Clash”?

    Rob Lewis
    11 Nov 2014 | 2:37 pm
    Public transport in London has been pretty advanced when it comes to the use of contactless payments, but a problem has been uncovered whereby Oyster Card users could find themselves double charged, all thanks to the simplicity of the payment. Since the launch of contactless payments in September, travellers who have both an Oyster card and a contactless payment card in the same wallet may have found that their contactless card makes the payment when the Oyster card should have done so. Transport for London (TfL) have automatically repaid around £300,000 to about 50,000 travellers for these…
  • Mastercard To Launch Thumbprint-Reading Bank Card

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

    Rob Lewis
    14 Oct 2014 | 3:26 pm
    The Financial Brand runs a quarterly review of the use of social media by banks, and have recently published the results of their research for the 3rd quarter of 2014. Below are the rankings of the top ten UK banks on social media, based on Financial Brand’s “Power 1oo Score”, which is calculated based on a range of factors, such as Facebook Likes, and Twitter followers. Bank Total Facebook Likes Total Twitter Followers All-Time YouTube Views Power 100 Score 1 Natwest 226,700 41,800 5,572,839 812 2 Barclays 538,000 41,300 2,846,894 766 3 HSBC 164,200 10,900 3,802,259 588 4…
 
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    Yes, I Am Cheap

  • Finance 101: Understanding Your Flexible Savings Account (FSA)

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

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

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

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

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

  • Cheap Workout Sunday Report 7

    Money Reasons
    16 Nov 2014 | 3:56 pm
    I’m back on my Sunday schedule.  Actually I skipped working out in the middle of the week so I was pretty fresh today!While I’m not a big football fan, I have followed my local area team to use it as motivation.  Sometimes watching your team win energizes you, must like a movie or an upbeat song does.  Unfortunately, my team lost today so I was in a crummy mood.  It was a hard workout session just because I was disappointed in my local NFL team’s performance.Bench:45 lbs –   the bar was really light like ti should be.135 lbs – 8 reps warmup, but really it was kind…
  • Cheap Workout Sunday Report 6

    Money Reasons
    10 Nov 2014 | 6:05 pm
    This was a weird session today!  I felt tired and did everything wrong before lifting.  I ate some food, laid down and watched TV before lifting, falling to sleep in the process…  I woke up groggy and dreaded working out even.  Starting, I even thought to my self that my heaviest bench press was going to be 205 for 4 reps.Starting out, 135 felt heavier than I thought it should have felt, so again it re-enforced my believe that today was going to suck.  I was very surprised when I tried 205 lbs and got three more reps than I got the last time.  So much for taking it easy this…
  • Cheap Workout Sunday Report 5

    Money Reasons
    3 Nov 2014 | 5:10 pm
    Okay, I slipped again to Monday instead of Sunday as I normally would.  I was feeling various aches and pains in my pecs and shoulders, so I decided to give my body extra time to recover.  Currently, I’m doing all major body muscles on the same days and it’s taking it’s toll on my body.  Eventually, I’ll break it up doing pecs and legs on one day, then curls, back  on the other day.Again I decided to keep it quick and heavy, below is what I did on this fine Monday…45 lbs –   the bar for 8 reps (felt okay today, no clicks).135 lbs – 8 reps warmup, felt…
  • Small Business Info Series – Credit Card Readers – How to find the right one

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

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

  • The Financial Freedom Magical Place

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

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

    Camille Gaines
    6 Nov 2014 | 7:38 am
    Confession: I was a bit surprised about this article on women vs men entrepreneurs from CNN Money. The article revealed findings from a study done by BNP Paribas and consultancy firm Scorpio Partnership on more than 2,500 affluent entrepreneurs worldwide. Click here to read it.   Financial Woman Insight: Increasing income is the best way to build wealth. While investing smartly builds wealth over time, the reality is that long term investing earning 7% a year in your investment account is just not going to create a windfall. That’s why focusing on increasing income in addition to…
  • This Wealth Planning Step Could Save You Over $100,000…Seriously

    Camille Gaines
    5 Nov 2014 | 7:38 am
    Here’s a super simple action you can take that could save you tens or hundreds of thousands dollars in taxes… Drum roll please…. Check family members IRA beneficiaries and options, and make sure you are making the best choice. This isn’t some risky scheme or illegal tax move…it’s just smart wealth planning! It’s giving your money attention. If the thought of tax planning makes your skin crawl, you can always hire a financial planner or CPA by the hour if you don’t work one regularly to advise you on this very basic wealth planning strategy. Then…
  • 12 Rich Lifestyle Weekend Habits

    Camille Gaines
    4 Nov 2014 | 5:16 am
    This morning as I sat down to read my favorite daily financial newspaper, I ended up down a rabbit hole chasing this article about weekend lifestyle habits. (Anyone else find it hard to NOT see what Richard Branson suggests?) It was well worth the brief distraction so I’m sharing it here… Even these super successful leaders know that success is about way more than money. These article is packed with short but inspiring tips for life balance, health and time management . While they’re not really about money, but they are all about creating a rich lifestyle! What’s your…
 
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    Smart Balance Transfers

  • The Carnival MasterCard Now Offers 15 Months Of Intro Financing

    Jason Steele
    21 Nov 2014 | 4:00 am
    Credit card users love to earn rewards for their spending, and many cardholders can also benefit from a card with a strong promotional financing offer. The from Barclaysbank offers rewards towards cruises as well as a competitive promotional financing offer. New cardholders can earn 5,000 bonus points when they use their card the first time. Cardholders […]
  • Citi Double Cash Versus ThankYou Preferred

    Jason Steele
    19 Nov 2014 | 4:00 am
    Citi has a very strong line of reward credit cards. They offer some cards that earn rewards in Citi’s ThankYou program while others earn cash back. Let’s see how Citi’s new Double Cash card compares to the entry level Citi ThankYou Preferred. This card offers customers 2% cash back on all purchases. 1% is credited […]
  • Activate Your Q4 2014 Quarterly Bonuses Now

    Jason Steele
    17 Nov 2014 | 4:00 am
    Those who hold the , , or the Citi Dividend Platinum Select receive 5% cash back on select purchases from categories of merchants that change each quarter. Now that the fourth quarter of 2014 has arrived, cardholders should immediately activate their bonus categories. Freedom’s bonus categories for Q4 2014 include all purchases from Amazon.com, Zappols.com, […]
  • Case Study: Business Cash Advance Leads- Exclusive Vs. Non- Exclusive

    Jeff Weber
    12 Nov 2014 | 10:49 am
    Are exclusive business cash advance leads worth the cost? Or are would it be more cost effective to pay a little bit less for a more competitive lead? Exclusive leads are always more likely to increase your roi on your marketing dollars. If you have the budget, not spending the extra cash per lead is […]
  • Citi Double Cash Review

    Jason Steele
    12 Nov 2014 | 4:00 am
    For many reward credit card users, cash back cards are superior to ones that offer airline miles, hotel points, or other types of rewards. The downside has always been that most cash back cards only returned 1% on all purchases or required. Citi’s new Double Cash credit card solves that problem by offering 2% cash back on […]
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    Credit.com

  • 6 Steps to Keep You From Blowing Your Holiday Budget

    Maryalene LaPonsie
    21 Nov 2014 | 9:01 pm
    The National Retail Federation says you’ll probably be $804 poorer after the 2014 holiday season wraps up. That’s how much the industry group says consumers plan to spend this year. While the lion’s share of that money goes to family, you also expect to spend $80 on friends and $26 on co-workers. Even Fido gets in on the action, with you pet lovers planning to spend $30 on their nonhuman companions. That’s how much you plan to spend. What about the amount you actually spend? Behavioral economist Hersh Shefrin says even many of the holiday shoppers who take the time to write a…
  • Could Maternity Leave Keep You From Buying a Home?

    Scott Sheldon
    21 Nov 2014 | 9:01 pm
    Looking to buy a home with a munchkin on the way? The details of your temporary leave may impact your ability to get a mortgage. If you plan on taking a maternity leave of absence from your job, it’s important to know how a home loan lender will view your income status. Generally, when you initially decide to get pre-approved with a mortgage company, they’ll take your salary and/or compensation figures into account when determining how much house you can qualify for using your monthly pre-tax income. Supporting documentation for this includes recent pay stubs, tax returns and W-2s for…
  • 5 Signs You’ve Outgrown Your Home

    AJ Smith
    21 Nov 2014 | 9:01 pm
    Although buying your home was likely the biggest financial and personal decision you have ever made, there will likely come a time when you are no longer comfortable living there. Maybe this was your “starter home” or some significant milestones in your life are encouraging you to move. If you can’t decide if this is the time for you to “move on up,” check out five signs that your current home no longer suits you. 1. You Need More Space The most common reason to outgrow a home is simple: your family has grown or is growing. A home you purchased as a newlywed ready for one child can…
  • Hockey Player With Multi-Million-Dollar Contract Files for Bankruptcy

    Christine DiGangi
    21 Nov 2014 | 11:45 am
    A 27-year-old professional hockey player declared bankruptcy Oct. 7, despite having earned $18 million in nine seasons in the NHL and $5 million on the way for his current season with the Columbus Blue Jackets. Nearly all of Jack Johnson’s money is gone, the Columbus Dispatch reports, and it’s a sad but not uncommon story showing how destructive debt and poor financial decisions can be, no matter how much money you have. Johnson’s path to bankruptcy reportedly includes defaulting on risky loans taken out at high interest rates, in addition to three lawsuits against him (two…
  • The $100 Bill on Your Windshield Really Is Too Good to Be True

    Christine DiGangi
    21 Nov 2014 | 9:22 am
    Finding a $100 bill would make anyone’s day, especially around the holidays. Of course, that happiness wouldn’t last long if someone stole your car as soon as you went to retrieve your newfound treasure. Apparently, that happened in Maryland. The attorney general’s office is warning residents of a potential theft operation where carjackers are putting $100 bills under cars’ windshield wipers, and when the driver exits the vehicle — car running, door open — to grab it, a thief hops in and drives off, WJLA in Maryland reports. Karen Straughn, the Maryland…
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    The Allstate Blog

  • QUIZ: Are You An All-Weather Driver?

    Kris
    21 Nov 2014 | 3:00 am
    Whether it’s snowing, hailing, raining, or tornadoing (is that even a word?), you have to know how to steer your way out of severe weather. Because Mom is the CEO (Chief Emergency Officer) of her family, she needs to act quickly and make the right decisions. Do you have what it takes to make the right decision in a bad situation? Take our 10-question ‘All-Weather Driver’ quiz to find out how you would perform in an emergency driving situation. Javascript is disabled Javascript is disabled on your browser. Please enable it in order to use this form. Loading All-Weather Driver…
  • Fun Thanksgiving Activities the Whole Family Can Enjoy

    Nicole Markle
    20 Nov 2014 | 7:37 am
    When families and friends get together on Thanksgiving, it can often be an all-day and even weekend-long affair. And why not? For some, it may be one of the few times of the year the whole family gets together for a meal. But the big turkey dinner is only a small part of the holiday. Oftentimes people get together earlier while the meal is still cooking and stay later while their food is settling. And if you have out-of-towners come in, they may stay the whole weekend. So what do you do in all of those extra hours to get the most out of that special family time? Entertain with Crafts and…
  • Cats, Dogs and Thanksgiving: How to Keep Pets Calm This Season

    Nicole Markle
    20 Nov 2014 | 4:01 am
    Your pets are part of your family, and you probably want them to be there during your Thanksgiving celebration. But what if your cat or dog isn’t used to having a lot of people around? According to the Partnership for Animal Welfare (PAW), dogs and cats can get anxious or stressed over big crowds and extra noise invading their comfort zone. With a little bit of preparation, you can help put your furry friends at ease and bring out their best pet behavior this Thanksgiving. It Starts With Training Before introducing your dog to guests, PAW suggests making sure your pet knows the basic sit…
  • Small Space, Big Spirit: How to Decorate Your Apartment for the Holidays

    Cristel Mohrman
    19 Nov 2014 | 5:00 am
    Living in a small apartment or condo doesn’t mean you have to skimp on the holiday spirit. No room for a 7-foot tree in your living room or no dining room table on which to display a menorah? While you may not have a roof you can trim with holiday lights and it may not be possible to fit a large tree inside your home, there are still ways to decorate a small space. Here are a few ideas for adding seasonal touches to your home, whether you’re hosting the holidays or you just want to decorate your apartment your own enjoyment. Go for the Mini Tree For some, a towering tree with all the…
  • Emergency Funds 201: Where to Stash Your Savings

    Nicole Markle
    19 Nov 2014 | 4:01 am
    Personal finance journalist and Get Rich Slowly blogger Kristin Wong knows a thing or two about emergency funds: She’s researched and written extensively about the topic. Kristin Wong In this two-part series about emergency funds, Wong answers our questions about this important vehicle for financial stability. Part one covered the basics of what an emergency fund is and why everyone should have one. Now, Wong goes more in-depth with specifics on how to set up an emergency fund. What is the difference between a savings account and an emergency fund? An emergency fund covers unexpected…
 
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    Centsible Life

  • What to Wear when It’s Cold #FashionFriday

    Kelly
    21 Nov 2014 | 8:12 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.
  • Barnes and Noble Discovery Weekend {sponsored}

    Kelly
    20 Nov 2014 | 12:47 pm
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  • Best Time to Buy during the Holidays

    Kelly
    20 Nov 2014 | 4:00 am
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  • Should you switch your family to sulfate-Free shampoo? #CentsibleBeauty

    Julie Pron
    19 Nov 2014 | 4:00 am
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  • Earning Extra Money with Avon {sponsored}

    Kelly
    18 Nov 2014 | 7:07 am
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    The Daily Reckoning

  • The Next Car You Buy Will Be an Electric Car

    Stephen Petranek
    21 Nov 2014 | 3:51 pm
    This post The Next Car You Buy Will Be an Electric Car appeared first on Daily Reckoning. “I love my good ol’ ’67 Chevelle with its four-on-the-floor tied to a 396 big block!” But there’s an unseen revolution happening that’s about to make my beloved gasoline-powered automobile a dodo of the industrial age. I’m talking about the electronic car revolution. The sales of electric autos, what some people call plug-in electrics, are doubling every year. “You can have my Ferrari… when you pry it from my cold, dead fingers!” Within 10 years, the chances are excellent…
  • A Treasure Chest of “Secret” Buy Signals

    Paul Mampilly
    21 Nov 2014 | 3:15 pm
    This post A Treasure Chest of “Secret” Buy Signals appeared first on Daily Reckoning. “How many people know about this website, Paul?” asked our publisher, Joe Schriefer, asked me recently. “I can’t tell you the exact number, Joe, but I believe it’s a very small group of people. And some of them know about it only because of me.” “Wow,” he said, after I ran him through the buy signals it’s giving us, listed by date. “You mean you can really use this information to make big money… like clockwork?” he asked. “Yes, this website is one of the reasons…
  • Is the Next American Shale Play Right in Your Backyard?

    Matt Insley
    21 Nov 2014 | 2:45 pm
    This post Is the Next American Shale Play Right in Your Backyard? appeared first on Daily Reckoning. The other day, we asked for you to send in your energy questions – and one has come up over and over again: what’s the next big American shale play? Well, It’s happening in a place that I just visited last week in Colorado, north of Denver: the Niobrara shale, also referred to as the Wattenberg oil field. Though there are a lot of different names for it, all you need to know is that this is the next big American shale play. It’s amazing to see up close and personal. There are drill…
  • Natural Gas: How to Stay Warm (and Profit) This Winter Season

    Greg Guenthner
    21 Nov 2014 | 9:05 am
    This post Natural Gas: How to Stay Warm (and Profit) This Winter Season appeared first on Daily Reckoning. [Ed. Note: Greg Guenthner continues to find profitable opportunities in the energy markets, which he’s been tracking closely. This time, it’s natural gas. Read on… Right now, the city of Buffalo, NY is covered in five feet of snow, with maybe another three on the way. We’re talking about eight feet of snow here. And it’s not even Thanksgiving! Yeah, bad news for those poor folks. But good news for you. Because now that another harsh winter is upon us… you have a…
  • The Shock Doctrine: When Order Trumps Personal Freedom

    James Rickards
    20 Nov 2014 | 2:47 pm
    This post The Shock Doctrine: When Order Trumps Personal Freedom appeared first on Daily Reckoning. One of the most influential books among global power elites in the past 10 years is Shock Doctrine: The Rise of Disaster Capitalism, by Naomi Klein, published in 2007. The shock doctrine is an essential concept for understanding how power elites such as central bankers, finance ministers and the ultra-rich work behind the scenes to advance their agendas. It’s also how today’s world could quickly turn into the dystopian 2024 scenario I’ve penned. This is not conspiracy mongering or science…
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    Canadian Finance Blog

  • How Canadians Can Take Advantage of Black Friday and Cyber Monday

    Tom Drake
    17 Nov 2014 | 2:00 am
    Shopping in the United States is elevated almost to a contact sport. Sales and discounts abound on a predictable schedule. Here in Canada, it’s true that we get Boxing Day on December 26th. However, in the States they also end up with “after Christmas” sales, and sales all the way up to Christmas. But the “real” deals for the shopping year is the fact that the United States gets to take advantage of major deals before Christmas with Black Friday and Cyber Monday. If you want to take advantage of deals like our friends to the south, you do have options. Here are…
  • How to Reach Financial Independence at Age 31

    Sean Cooper
    10 Nov 2014 | 2:00 am
    What does financial freedom mean to you? To me it means “findependence,” a term short for “financial independence”, coined by veteran personal finance columnist Jonathan Chevreau. I really enjoyed Chevreau’s book, Findependence Day: How to Achieve Financial Independence: While You’re Still Young Enough to Enjoy It, and it got me thinking about my findependence. Here’s my three-step plan to achieving financial independence: 1. Paying Off My Mortgage August 1, 2012 will forever be a date etched in my memory. On that momentous day I became a first-time homebuyer and…
  • What Should You Do With Your Tax Free Savings Account?

    Tom Drake
    3 Nov 2014 | 2:00 am
    One of the good things about our government is the fact that it is interested in encouraging the population to save… at least to some degree. To this end, Canada’s government offers special savings accounts that come with tax benefits. One of these savings accounts is the Tax Free Savings Account (TFSA). What is the TFSA? The Tax Free Savings Account is a government program that allows your investments to grow tax free. You make your contributions with after-tax dollars, and you aren’t taxed on the earnings you receive from the investments held in your account. So, if you…
  • How Much Mortgage Can I Afford?

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

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

  • Wal-Mart (WMT) Third Quarter Results + Why You Should Buy This Stock

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

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

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

    DivGuy
    5 Nov 2014 | 1:00 am
    Here’s a quick post this morning that will give you some food for thoughts. Take a look at the graph below:   When I look at this graph I think about two things:   #1 Canadians’ debt keeps growing higher and higher   #2 Americans seem to understand the importance of deleveraging   More traditional banks such as TD Bank (TD),BMO (BMO) and CIBC (CM) will probably be at risk in 2015-2016 due to their important mortgage book. I think their provision for bad debts and default will increase. Other banks such as Royal Bank (RY), National Bank (NA) and ScotiaBank (BNS)…
  • Why it’s difficult to manage other people’s money

    DivGuy
    3 Nov 2014 | 1:18 am
        Not so long ago, I shared with you that I opened an RESP (children’s education fund) for my kids. I started investing in mutual funds mainly for two reasons: the first one was because I found $200/month wasn’t enough to buy stocks. I explained how it was a mistake in my recent article. But there is also another reason why I did this: because I find it difficult to manage other people’s money.   I really like to take risk and am comfortable having my portfolio move up and down. But when it comes to other people’s money, I find it harder to live with market…
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    Steadfast Finances

  • The Truth about PayDay Loans

    CJ
    6 Nov 2014 | 6:28 pm
    If you’ve ever been low on cash with creditors knocking at the door, you’ve more than likely considered using a payday loan company. The idea is appealing, you simply hand over a post-dated check for the amount of money you need and presto, you have cash in your hands. Unfortunately, these loans seldom work out the way you think they will and before you know it you could wind up thousands of dollars in debt. Before you hand over that blank check to payday loan companies, here are a few reasons that you may want to reconsider your decision: High interest rates: You will certainly pay much…
  • If I have a Pre-Existing Condition is it Covered by my Health Insurance?

    CJ
    19 Aug 2014 | 2:18 pm
    If you already have a health condition you will want to know that your medical care will be covered by your health insurance.  You don’t want to have pay out large amounts of money if you’re not covered. There was a time when a pre-existing condition meant that insurance providers were wary.  Some could veer away from applicants who already had a condition and applications could be refused.  The situation changed with the arrival of the Affordable Care Act. Click this link to read more about HBF & how they handle pre-existing conditions. So how did the Affordable Care Act affect…
  • Personal Finance and Lending

    CJ
    10 Dec 2013 | 9:33 am
    When you decide that you want to take out a loan there are many things that you need to consider. Firstly you need to know about the range of loans that are available so that you know what sort of things you need to be thinking about in order to make a decision based upon the things that are important for you. Once you are armed with the facts on what is out there, bring it back to you. What is it that you need to consider? Amount It sounds silly but take considerable time thinking about the amount that you want to borrow. For example: If you are taking out a loan to make up a shortfall in…
  • Reasons to Get Life Insurance

    CJ
    24 Nov 2013 | 12:45 pm
    I was talking to a friend of mine the other day who is almost 3o and his wife is pregnant. When I asked him what type of life insurance he had, he looked puzzled. “Surely you have life insurance at your age, with a child on the way?” I asked him. I was shocked to find out that he did not think he needed life insurance because he was ONLY 30. Unfortunately, younger generations are failing to get adequate life insurance to protect their loved ones from financial challenges in the event that something happens to them – and they are using the worst excuses to ignore the problem.
  • Ways to Avoid Losing Money when Selling your Home

    CJ
    23 Oct 2013 | 12:21 pm
    If you are putting your home on the market, the chances are you want to get the best offer possible for it. The sale process is punctuated with a number of pitfalls that can result in a homeowner losing money on their home. Here are three ways to squeeze as much money as possible out of your house sale. Price your Property Appropriately When it comes to pricing your property, it is essential that you are bang on the mark. Pitching your price too high can prolong the sales process and cost you more in the long run. The current economic climate means that buyers are savvier than ever and you…
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    Fiscal Fizzle

  • Thank You

    Peter Kulicki
    31 Oct 2014 | 9:23 am
    To all of my readers, supporters, and friends: As of 2014, this blog is no longer active. Thank you for a wonderful 5 years, where I got to share anything and everything that came to mind about money. Ultimately, my life and my priorities changed, and this blog is no longer a part of that. The site will stay online indefinitely as a resource to those of you still making use of the articles posted here. You can also contact me at anytime with questions. With appreciation, WojoFiled under: Administrative
  • Top Tips for Inventory Control Policies that Work

    Peter Kulicki
    31 Oct 2014 | 9:22 am
    Once you’ve invested in a point-of-sale system and worked on taking your inventory live, you’re going to need to put policies in place to keep your inventory from backsliding to zombie status. Setting up these policies is easy, and you should have no trouble in getting your staff to adhere to them. As with all changes, though, it’s better to lead by example. Why You Need to Stay On Track Preparing and executing the detailed work involved in starting a live inventory is a hassle. It takes time, staff hours, and sometimes even overtime not to mention the cash needed to pay…
  • Short and Long-Term Financial Planning

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

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

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

  • Thanksgiving, Thankfully Budget Friendly

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

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

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

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

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

  • 5 Tips to Choosing Credit Counselling for Debt Relief

    Ted Michalos
    19 Nov 2014 | 4:00 am
    Credit counselling is a very good alternative to dealing with debt problems. If you have a modest amount of debt, with very few creditors credit counselling, through a debt management plan, provides you with a voluntary program to pay off debt sooner. But how do you know if it’s the... Read more The post 5 Tips to Choosing Credit Counselling for Debt Relief appeared first on MoneyProblems.ca.
  • Comparing Car Financing Terms: Lease Versus Buy

    Moneyproblems Answers
    12 Nov 2014 | 4:00 am
    Choosing which car you want to drive is not the only difficult decision to make when you are in the market for a new vehicle. Just as confusing can be the choice between leasing or buying. It’s important to look beyond the monthly payment, and understand exactly how each of... Read more The post Comparing Car Financing Terms: Lease Versus Buy appeared first on MoneyProblems.ca.
  • Budgets = Freedom

    Gail Vaz-Oxlade
    5 Nov 2014 | 4:00 am
    Can you imagine how great it would feel to never having to worry about money? Some people think that means having so much money that you can buy whatever you want whenever you want it.  If that were so, why would people who inherit money or win the lottery often... Read more The post Budgets = Freedom appeared first on MoneyProblems.ca.
  • Do I Need To File Bankruptcy in My 20s?

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

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

  • TurboTax 2014 Marketing Mistake

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

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

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

    Joe
    31 Oct 2014 | 4:00 am
    Of all the potential problems life can serve up to us, money problems rank among the most stressful without a doubt. Ruminating about mounting debt, having trouble paying bills, knowing we are making bad choices can do quite a number on us mentally. If denial is no longer doing it for you, and you are ready to move towards a more ordered financial life, here are some helpful strategies to get you there. Do a Mental Purge One of the reasons we let our money troubles get so out of hand is our tendency to push our troubles out of our minds and go into denial mode. Obviously on some level, we are…
  • 2015 Retirement Plan Limits

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

  • The Epitome Of Perseverance: Joe Locke’s 14-Hour Swim Through Cold And Darkness

    Financial Samurai
    22 Nov 2014 | 3:48 am
    Joe swimming at 2am in the Pacific Ocean Life is funny. I remember looking out my new living room window one morning and seeing the Farallon Islands for the first time. Even on a sunny day, they sometimes don’t appear given they are 30 miles away. But everything was crystal clear this morning and I could see the island’s entire silhouette. I distinctly remember thinking to myself, wouldn’t it be crazy if someone swam from the Farallon Islands to the San Francisco shore and grabbed a cheeseburger for lunch at Outerlands Restaurant? Then that afternoon I saw on the news a man…
  • Why Are People So Ashamed About Inheriting Money?

    Financial Samurai
    20 Nov 2014 | 3:38 am
    “How did I get my million dollars? It was simple. One day, I bought an apple for a nickel. That night, I cleaned and polished it. The next day, I sold it for a dime. With that dime, I bought two apples. That night, I cleaned and polished them, and sold them the next day for twenty cents. I repeated that process every day, without fail, until I had amassed $6.40, whereupon my grandfather died and left me $999,994 in his will…” – A Yahoo commenter named Dave A funny thing occurred on Yahoo Finance the other day. A fellow blogger by the name of Anton was able to get…
  • Bankers, Techies, And Doctors: You’ll Never Get Rich Working For Someone Else

    Financial Samurai
    18 Nov 2014 | 4:31 am
    Although I estimate an entrepreneur needs to make at least 35% more to replicate his or her day job income to run in place, I’m truly beginning to realize after two and a half years how much more upside there is to entrepreneurship than to working for someone else. I came from the world of banking where 23 year old graduates with one year of experience can clear $100,000 no problem. Despite ascending from Financial Analyst, to Associate, to VP, to Director within 10 years, and earning Director level compensation for three years before leaving, I still wasn’t able to earn and…
  • How To Prevent Your Wealthy Man From Straying

    Financial Samurai
    16 Nov 2014 | 3:38 am
    A female friend asked me over a drink one day whether I had any tips on how she can lock down her husband forever. I immediately started imagining her throwing her hubby in a dark cage after sunset and maniacally laughing as she twisted a thick key to keep him hidden from the world. Her husband is a wealthy fella who is charming enough to have a whole lot of extracurricular fun if he wanted to. She’s attractive and successful as well, but still she has fears. My friend’s situation reminded me of a UC Berkeley study that found wealthier people are more prone to cheating,…
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    Automatic Finances

  • Bank of America Talks Their Mobile Banking Strategy

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

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

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

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

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

  • 4 Ways to Save on Apartment Utilities

    Mike
    17 Nov 2014 | 2:50 am
    By Jennifer Riner of Zillow Many prospective leaseholders erroneously calculate their monthly rent budgets without factoring in utility costs. Electricity, heat, water, gas, cable, internet and trash removal often act as separate expenditures, detached from advertised monthly rents. Sometimes, landlords include portions of utilities within rental prices. If rent is stand-alone, applicants without roommates should budget 20 percent of total monthly rent for utilities. Additionally, landlords can provide utility cost estimates for applicants to prepare accordingly. When utilities aren’t…
  • Free Two Year Subscription to LEGO Magazine

    Mike
    4 Aug 2014 | 7:12 am
    Whether you collect LEGO as an investment or just for fun, this is an offer that you simply cannot turn down.  Just sign up at the link below and you’ll receive a two-year membership in the LEGO club including free copies of LEGO Club Magazine.  You can also elect to receive LEGO Club Jr if you sign up with your child’s information. Click here to grab your free LEGO Magazine subscription.
  • Sizing Up Your Debt

    Mike
    22 Jul 2014 | 3:39 am
    Debt is a major problem in today’s world. It’s easy to get so far into debt that it seems like your every move is blocked by an insurmountable wall. But with the right plan, the right mindset, and a little bit of work you’ll be able to break that wall into smaller chunks and before you know it you’ll be on the other side…debt free! The first thing you should do is sit down and size up your situation so you can figure out exactly how much debt you’re in and where all of your money is going. This is a vital step that you can’t afford to skip. People who…
  • Steer Clear: What to Avoid to Save on Your Cell Bill

    Mike
    26 Feb 2014 | 1:51 pm
    Money is tight for just about everyone right now, barring the cell phone company CEOs who are raking in more money than they know what to do with because you’re paying too much on your cell phone bill. Sometimes bills are inevitable to avoid, but there’s an answer to the question on everyone’s mind –how do I save on my cell phone bill? • Avoid Texts. This is a no-brainer. There are about a million applications out there that offer the same type function of text messaging without having to set up a costly contract with a major company. Check out some alternative apps like…
  • 5 Ways to Save $50-plus Per Month

    Mike
    4 Jun 2013 | 4:59 am
    David Bakke constantly searches for new ways to save money and shares his findings on the personal finance blog, Money Crashers. Show me a bunch of ways to save $10 per month, and I won’t be too interested. Explain to me how to save $25 a month, and my eyebrows might rise a tad. But if you mention shaving off $50 per month from what I spend, now that gets some attention. Think about it: An extra $50 in your pocket each month comes out to $600 at the end of the year. If you can find five ways to save an extra $50 per month, and your savings rise to a whopping $3,000 per year Fortunately,…
 
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    Personal Finance Blog

  • What’s Hot? What’s Not? Let the Shopping Begin!

    Twila VanLeer
    21 Nov 2014 | 10:50 am
    Hot selling Christmas items include products featuring Disney’s Frozen characters.Thousands of Americans will step away from the Thanksgiving table, leave stacks of dirty dishes and head right into the front lines of the annual shopping barrage. More stores are opening on the Turkey Day holiday to accommodate early shoppers. Last year, Macy’s, one of shopping’s bellwethers, opened at 6 p.m. Thanksgiving. That prompted several large retailers to open a bit earlier. And so it goes in the world of selling. And there’s no whimsy about it. The science of money spending indicates that…
  • 6 Tips For LIving On One Income

    Sherry Tingley
    18 Nov 2014 | 8:12 am
    Determine a good budget to use and make sure you stick to it.One Income? Make It Enough Two-income families have become almost the norm in the United States, but some families, for whatever reasons, can and do get by on the earnings of just one breadwinner. It requires planning and commitment, but it is possible. Analyze Your Budget Start with an honest and thorough review of your current financial picture. How much do you spend? How much of the spending is for necessities and how much for luxuries you could do without? Think of ways you could cut back, such as eating more meals at home…
  • Wise Shopping During Christmas Time

    Sherry Tingley
    13 Nov 2014 | 11:29 am
    Get Ready! Get Set! Get Shopping! Get Christmas shopping done ahead of time.Anyone who is paying attention knows that holiday shopping begins earlier every year and this year October had hardly dropped off the calendar before the Black Friday/Cyber Monday deals were being ballyhooed. And you don’t have to wait for the turkey to become skin and bones to get in on the bargains, according to the shopping experts. But the wisest shoppers will go into the season with a strategy and a budget, those same experts say. Here’s how: Set A Goal Be a “mission” shopper. Have the list before you…
  • WeChat Saves You Money On Long Distance Charges

    Sherry Tingley
    10 Nov 2014 | 7:59 am
    WeChat is the fifth most-used smartphone app in the world. Smart phone messaging applications have become essential to doing business, keeping in touch with friends, having fun on a vacation and saving money. WeChat, an instant messaging system developed by the Chinese Internet company, Tencent has become an extremely popular messaging app. GlobalWebIndex lists WeChat as the fifth most-used smartphone app in the world. Forbes magazine says, “It is undoubtedly the most powerful mobile app in China today and is fast becoming one of the world’s most powerful too.” Let’s…
  • Letting The Present Rob The Future

    Twila VanLeer
    6 Nov 2014 | 12:55 pm
    Proper planning for retirement really helps alleviate stress.The comparative wealth of Americans born into the post-World War II economy is taking a toll on retirement expectations. With the greatest economy known to history, Americans have tended to become a “gimme more” population, a condition that is reflected in soaring national debt and near-depletion of some natural resources. The national stress is often mirrored in personal finances. Too many Americans are approaching retirement only to find they don’t have the resources to match their expectations for the “golden years.”…
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    Unbiased financial advice from fee-only financial planners

  • We Need a Partial Shutdown of Government

    Matthew J. Illian, CFP®, AIF®
    15 Nov 2014 | 9:00 pm
    The day after Republicans took control of the Senate, they demonstrated how out of touch they are with the voters who put them there. Mitch McConnell, the incoming Senate majority leader, promised, “There will be no government shutdown or default on the national debt.” In the primaries, he set his goal to crush Tea Party challengers and their ideas. His goal is to be a “right-of-center governing majority,” a moderate by definition. The problem with these promises and this stance is that some of the government needs to be shut down. We need a smaller government with…
  • Rollover Rules

    Sam Fawaz, CPA, CFP®
    15 Nov 2014 | 4:06 pm
    One of the oddest things about tax law is the fact that often the rules and regulations are decided by the many court cases that are brought by taxpayers who didn’t follow the rulebook. This happened once again in a recent tax court case, where the Tax Court decided that people can only do one IRA rollover in any one-year period, no matter how many other IRA accounts they happen to have. Never mind that the decision directly contradicted the IRS’s own guidance in its Publication 590 and a number of private-letter rulings issued by the IRS. Since the so-called …
  • Radio: Parts of the Government Should be Shut Down

    Matthew J. Illian, CFP®, AIF®
    15 Nov 2014 | 6:00 am
    David John Marotta was interviewed on radio 1070 WINA’s Schilling Show discussing government waste and what would happen if parts of the government were shut down. Voters who swung to the Republicans in this election don’t really care if politicians have a D or an R after their name. Their primary concern is not to see their team win. They want a smaller government with less waste, fraud, special interest, and drag on the economy. They want less meddlesome unintended consequences of regulation and more of what we all agree that government should be doing. Listen to the radio show…
  • Was 2013 a Record Shattering Market Top?

    Don Martin
    14 Nov 2014 | 6:52 pm
    There have been three stock rallies in 89 years comparable to 2013’s. These were 1945, 1958, 1989 to compare to 2013. In 2013 the market had a 34% Total Return and the 12 month CPI was 1.5%. In 1989 inflation was 4.8%, so deflating 1989’s 36% Total Return by the amount that its inflation exceed 2013’s, about 3%, means that the 36% Total Return of 1989 was more like 33% versus the 34% of 2013, so truly 2013 was a record shattering rally. In 1989 there was huge global bubble top caused by Japan which inflated U.S. real estate and …
  • Wants and Needs

    sraskie
    14 Nov 2014 | 5:00 am
    Sometimes when we need more money for a specific goal in the future such as retirement, college, a down payment on a home or an emergency fund we may feel that before these things can happen we need to make more money. We may feel that once our incomes are up to a certain level that we’ll be able to afford to save for those goals. It may not be necessary to earn more in order to achieve the above goals. For many folks the solution is simply to prioritize. In other words, learning to distinguish between the wants and …
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    Budgets Are Sexy

  • Would You Rather… Make $50k or $100k? (But…)

    J. Money
    21 Nov 2014 | 2:02 am
    Welcome to Friday, hustlers. You know how everyone’s always talking about “keeping up with the Joneses,” and how it’s best to not compare yourselves to others? Well, this Would You Rather we’ve got for you today will test you on just that ;) I reckon most of you will vote the financially smart way considering you’re on this site, but do try to answer this honestly so we can get a good discussion going. You ready for it? Here we go…. Would you rather…. Have a salary of $50,000 where everyone around you only has $25,000 – OR – Make…
  • The Millionaire [Liar] Next Door

    J. Money
    19 Nov 2014 | 2:04 am
    So…. Remember our ol’ pal Anton who we featured here last month for hitting a million dollars before 27? And then it went viral on social media and other finance blogs, eventually landing him on the home page of Yahoo! Finance? Yeah, apparently he duped us. While he is a legitimate millionaire, it seems the route he got there was anything but “self-made.” Here’s what Yahoo originally posted on their site: Ivanov claimed he was a self-made millionaire who began investing at age 18 after watching his parents mismanage their finances. On Monday, Ivanov admitted to…
  • Even Experts Need Help With Money

    J. Money
    17 Nov 2014 | 2:02 am
    I got a really interesting/confusing email the other day that initially through me for a loop. It was from my friend B. and went something like this: “Hey Jay! Do you still do money coaching? I need some help getting my finances in order and thought maybe you get me back on track. Lemme know.” Nothing too out of the blue, right? Plenty of people need help with their money or else blogs and coaching and, well, the entire financial industry wouldn’t be around. So at first glance everything’s normal here… But here’s the kicker – the person who emailed…
  • Tell People What You Want

    J. Money
    14 Nov 2014 | 2:02 am
    My brother always thinks I have my $hit together because I never ask him for any help. It’s true I never ask him in the general sense, but it’s false I don’t have any problems. I just go about it a different way than straight up asking people for something which I admittedly suck at. Instead, I tell people what my goals are. And do you know what happens when you tell people what you’re trying to accomplish? They want to help you out with them! A different way of going about it, with more or less the same outcome.* Here are two other reasons to tell people what you…
  • Pirates of Financial Freedom! [Book & GOLD Giveaway!]

    J. Money
    12 Nov 2014 | 2:12 am
    Do you like pirates? Gold? Reading about money? If so, yarghhhhh gonna love today’s book and following giveaway ;) I partnered up with my friend, and published author, Joey Fehrman of the Pirates of Financial Freedom book to give one of you lucky scallywags a bountiful bag of loot valued at over $300: A real GOLD coin (!) A signed copy of Pirates of Financial Freedom (!!) A two hour consulting session on money, business, publishing, pillaging, whatever you wish (!!!) I hung out with Joey at our latest blog conference, and I can tell you he has an immense desire to help people manage…
 
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    Financially Poor

  • Is there an alternative to using a payday loan?

    Kevin
    22 Nov 2014 | 8:51 am
    Very few of us can get through life without getting involved in some kind of loan application process.  Even if we don’t want to borrow money, it is more or less forced upon us if we want to buy a home.  But when it comes to borrowing smaller sums of money, there are several alternatives.  But before you decide which the best one for you is, consider your financial position and your circumstances.  It is not always the traditional ways of borrowing which are the best. With a payday loan you are not just talking about a lesser period of borrowing but also a much faster processing time. …
  • Comparison of Online Car Insurance Quotes By Useful Smartphone Apps

    Kevin
    20 Nov 2014 | 8:50 am
    A lot of individuals wish to buy a new policy for car insurance or want to replace the existing policy with a new one. If you are one of them, then you can do it easily by comparing the quotes online with the help of your laptop. A lot of iPhone apps are available online for the quote programs, through which you will be able to compare several companies with each other. Every now and then, you can also use the downloadable iPhone apps for comparing the car policy rates. There are numerous advantages for finding the cheapest insurance so as to save money, and searching the web is the best way…
  • What is there to do in New Jersey?

    Kevin
    18 Nov 2014 | 8:39 am
    New Jersey was in the news recently with hosting Super Bowl XLVIII. I visited there a couple of years ago and had a great time. It sometimes gets a bad rap but it’s definitely a place you need to put it on your bucket list. Here are a few things to check out when you go there. Atlantic City Boardwalk The Atlantic City Boardwalk has a lot of historical significance including the fact that it’s the very first boardwalk in the United States. The Boardwalk is important to Atlantic City and goes along the beach where visitors hangout and swim. Some of the best attractions are the House…
  • Financial Relief In The Form Of An Empty Bedroom

    Kevin
    16 Nov 2014 | 8:31 am
    Mike blogs over at rentingoutrooms.com, it’s his story and tips on making extra money from your home’s extra space.  He’s been renting out his spare bedrooms for the past 5 years for extra income.  He’s going to hit one of his financial goals this year in 2011 and be one step further from feeling financial poor.  This is a great guest post for people wanting to make some extra money if your life situation can accommodate it. When I bought my townhouse, I didn’t have much money; in fact, I had no money to put down. Ultimately, I ended up financing 100% of the purchase price of…
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    Couple Money

  • Do You Need to Be a Millionaire to Retire Comfortably?

    Elle Martinez
    19 Nov 2014 | 8:17 am
    I had a lot of fun yesterday being on the panel for the #retireeNextDoor Tweetcast. Jeff Rose from Good Financial Cents and Money Tips did a fantastic job hosting it and some wonderful advice was shared. Like I mentioned the other week, we tend to put off preparing for retirement for a few reasons. I think one huge factor is the unknown. We hear all these huge numbers about what we need that it can be discouraging. I don’t think we have to be afraid of it. Planning for retirement is a bit like saving up for a baby – you will never be able to prepare for every event, but…
  • The Dos and Don’ts of Black Friday Shopping

    Simon Davis
    11 Nov 2014 | 9:29 am
    Two-thirds of Americans, according to The Washington Post plan to shop on Black Friday, the day after Thanksgiving. Less than half of those surveyed plan on shopping online. This is one of the busiest shopping days of the entire year, and this approaching season more Americans than ever plan on shopping Black Friday sales 2014 than ever before. This is the day when you can get the best discounts on shopping. There are many things you can do to make sure that you go home with the items that you want in less time so that you can relax and go home to enjoy those leftovers! Get Your Priority…
  • What are the Most Common Mistakes People Make When Planning for Retirement?

    Elle Martinez
    7 Nov 2014 | 5:12 am
    Even though most of us know that retirement planning is something we should be doing, real life tends to get in the way of us actually getting it done. Retirement is so far away in your timeline, it’s tempting to put it off for a bit. What’s worse, we can be our worst enemies and make some huge mistakes when it comes to planning for retirement. I’m going to share some of the biggest mistakes and how you can begin to fix them. Waiting Until You Have More Money One of the biggest mistakes couples and really individuals make is waiting for the next raise to happen before they…
  • Why Do We Fight About Money?

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

    Elle Martinez
    22 Oct 2014 | 2:39 pm
    There are strong feelings on the pros and cons of sharing checking and savings as a couple. The latest episode of the Couple Money Podcast shares some tips on how you can go about on combining your finances and how to start your first budget as a couple (you can listen to it below). For now, though, I want to pitch to you how they can boost your marriage and your finances.  Catch the podcast on iTunes: Simply click on this link and you’ll be taken to Couple Money’s page. Listen on Stitcher: Please click here so you can catch all episodes. Less Hassle with Bills By combining our money…
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    Beating Broke

  • 5 Tips to Make Black Friday Shopping Work for You

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

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

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

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

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

  • Use Store Brands To Save Money At The Grocery Store

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

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

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

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

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

  • Bye Bye Federal Reserve

    MichaelHaltman
    21 Nov 2014 | 7:24 pm
    The recent news of big banks JP Morgan, Goldman Sachs, and Morgan Stanley manipulating the commodity market should not be a surprise. We aren’t that too far gone from the 2008 economic collapse and here we are again with some of the same players from the 2008 collapse being involved in another economic scandal. In 2008 the banks Bear Stearns, Merrill Lynch, Morgan Stanley, Goldman Sachs, and Lehman Brothers had borrowed 33 dollars for every 1000 dollars of capital. The same kind of scandalous procedures caused the housing crash when they sold houses using questionable sub prime loans.
  • A Career Worth Noting: Sam Tabar

    MichaelHaltman
    21 Nov 2014 | 10:52 am
    For those of you readers that are in the finance industry, you’ll definitely know his name. But for those of you that don’t know, let me preface…Sam Tabar is a capital strategist and accomplished attorney, based in New York City. And he’s everywhere on social media these days, before I get into what he’s up to now, let’s take a trip back to where he started (FYI some of my info comes from his website). In 2000, Tabar graduated from Oxford University with honors. He continued his education a Columbia Law School where he served as Associate Editor of the…
  • China’s factory Growth Comes to a Halt

    MichaelHaltman
    20 Nov 2014 | 11:57 am
    China has had their factory growth end for the first time in the past six months in November which is the most recent in a number of negative indicators that are coming out of China which is currently the world’s second largest economy behind the United States. These results come from a private study that was released on Thursday and is indicative of a contracting economy. These figures are based on the purchasing managers’ index which is also known as the PMI and is tracked by HSBC and Markit. The reading of 50 shows a stable economy that is neither contracting or expanding which…
  • Bank of England Keeps Rates Steady by 7 – 2 Vote

    MichaelHaltman
    19 Nov 2014 | 8:41 am
    Central banks have remained divided on how handle the slow growth environment that many developed nations are currently facing. The Bank of England had a recent vote to determine the future of a key interest rate and a decision was made to keep the rate at a record low of 0.5%. The decision to keep the rate unadjusted was not clear cut though with a split vote of 7 – 2 in favor of keeping the rate unadjusted, as per minutes released relating to a meeting held on November 5th and 6th. The rates were not adjusted even as the economy of England grew. Many economists warn that low rates are…
  • Bill to Vote Down the US Freedom Act Fails

    MichaelHaltman
    19 Nov 2014 | 8:34 am
    The USA Freedom Act is voted down in the Senate by just two votes. Despite the fact that US Senate tried to thwart the Freedom Act by 58-42, the bill needed at least 60 Senators to say Yes. The controversial bill allowed the National Security Agency to tape and listen to public phone calls without interference from telecommunication regulatory authorities. Since last year, the bill caused a furor among public circles that see it as a violation of basic human rights. Interestingly, the Director of NSA and Director of National Intelligence, James Clapper were also among leading public figures…
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    The Economic Peephole

  • Bye Bye Federal Reserve

    MichaelHaltman
    21 Nov 2014 | 7:24 pm
    The recent news of big banks JP Morgan, Goldman Sachs, and Morgan Stanley manipulating the commodity market should not be a surprise. We aren’t that too far gone from the 2008 economic collapse... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • A Career Worth Noting: Sam Tabar

    MichaelHaltman
    21 Nov 2014 | 10:52 am
    For those of you readers that are in the finance industry, you’ll definitely know his name. But for those of you that don’t know, let me preface…Sam Tabar is a capital strategist... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • China’s factory Growth Comes to a Halt

    MichaelHaltman
    20 Nov 2014 | 11:57 am
    China has had their factory growth end for the first time in the past six months in November which is the most recent in a number of negative indicators that are coming out of China which is... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Bank of England Keeps Rates Steady by 7 – 2 Vote

    MichaelHaltman
    19 Nov 2014 | 8:41 am
    Central banks have remained divided on how handle the slow growth environment that many developed nations are currently facing. The Bank of England had a recent vote to determine the future of a key... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Bill to Vote Down the US Freedom Act Fails

    MichaelHaltman
    19 Nov 2014 | 8:34 am
    The USA Freedom Act is voted down in the Senate by just two votes. Despite the fact that US Senate tried to thwart the Freedom Act by 58-42, the bill needed at least 60 Senators to say Yes. The... [[ 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

  • The Virgin Australia Velocity Flyer Card – 20k Bonus Points and Balance Transfer Offer

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

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

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

    Isaiah James Peralta
    6 Nov 2014 | 9:53 pm
    The Qantas American Express Business Credit Card is designed for businesses. You’re able to earn rewards points for your everyday business spending as well as take advantage of features that help you track your business expenditure. The post The Qantas American Express Business Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • Citi Prestige Card Review – Rates & Details

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

  • GF¢ 042: Unlocking Your Inner Greatness with Ben Newman

    Jeff Rose
    17 Nov 2014 | 10:09 pm
    Ben Newman is on fire. And I’m proud to say he’s a friend, mentor and someone that oozes positivity into my life. Plus, he’s a die hard St. Louis Cardinals fan, so what’s not to love?   Here’s just a few of Ben’s accomplishments Super successful insurance agent (which he recently retired from) International speaker Author of 4 books (with a 5th on the way) Founder of The Continued Fight and Bootcamp Workshops High Performance Business Coach Loyal husband and proud father One cool dude Did I mention he’s only 35? Feel like a slacker yet?   Yeah, me…
  • Want to Win $2,500 of Apple Stock?

    Jeff Rose
    9 Nov 2014 | 10:27 pm
    I’m an Apple fanboy. A few years ago I got my first Macbook Pro and I haven’t looked back. If you were to visit the Rose household, you would see that the entire family is on the Apple bandwagon with 1 iMac, 2 Macbook Pro’s, 1 iPad, 3 mini iPads, 1 Time Capsule and iPhone’s galore. Yeah, we love Apple. When Nvestly, a new social investment platform, asked me to participate in a $2,500 Apple share giveaway to bring awareness to their recent launch I was totally onboard. What is Nvestly? Within Nvestly, users can follow Facebook friends or the network’s top performing…
  • GF¢ 041: How to Silence Your Haters (and shake it off, shake it off)

    Jeff Rose
    4 Nov 2014 | 9:07 am
    Haters goin’ hate, hate, hate. Shake it off. Shake it off. –Taylor Swift Haters gonna hate. Because that’s what they do. If you allow their words to infect you, they’ll never go away. Their words will sting and paralyze you from achieving what you’re destined to. Do not let that happen. Silence the haters and just like Taylor says, “Shake it off“. What if I Would Have Listened? What makes haters so dangerous is that sometimes they are hard to identify.  They can be friends, family, and co-workers. Most of the time they don’t even realize that…
  • How Do You Know When To Stop? Sometimes You Have to Just Shut up Listen (Giveaway Details)

    Jeff Rose
    3 Nov 2014 | 11:30 am
    It. Something doesn’t feel right about it. You keep doing it although you’re not sure why. Even worse you start to resent it. You want to quit it, but quitting just sounds weak. “Only losers quit” screams through your mind. At least it was with mine. That it is another one of my blogging projects that I’ve been running with amazing wife for the past 3 years. That it is named Dollars and Roses. The Honeymoon The initial idea behind the blog was a joint blog that my wife and I would run and show people how we make money with blogging.   (If you didn’t know she was a blogger, you…
  • Will the Deferred Income Annuity Save Your 401k?

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

  • Sears Holdings Corporation: 2019 Unsecured Debt And Warrant Rights Offering, And Its Impact On Share Price

    ks
    2 Nov 2014 | 1:42 am
    Below is a look at the fair value estimate of the warrants that will be issued as part of the offering. Please check-out our Seeking Alpha column for a complete analysis: [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Ken Fisher's Fisher Asset Management Portfolio - Q3 2014 Update

    ks
    24 Oct 2014 | 12:06 am
    Below is a spreadsheet that highlights Ken Fisher's Fisher Asset Management Portfolio moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Performance At Expiry Of Financial Crisis Era Warrants Vs. Common Stock - Comparative Analysis

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

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

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

  • 6 Ways To Save Money On Your Next Vacation

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

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

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

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

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

  • Mid-Century Dining Room Set

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

    walt kolenda
    16 Nov 2014 | 3:47 pm
    Readers note: Although Joe indicates interest in having three appraisals done here, two of those appraisals were sent to him privately and not posted here. This pages includes: Antique Chinese Wooden Peddler Statue Value The Peddler is a common figure. The peddler Joe says: Hello, In casting about for an appraisal I am looking for the right fit. As you will be able to tell from the pictures, these items are not worth a fortune, so I don’t want to spend a fortune on them, but I am looking for reliable information. I believe I have found the right place. I am interested in selling these…
  • Fire in Magnolia Village – Gloucester, MA

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

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

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

  • How I Used Credit Cards and Loyalty Rewards to Save More than 50% on My Last Vacation

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

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

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

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

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

  • 6 Steps to Keep You From Blowing Your Holiday Budget

    Maryalene LaPonsie
    21 Nov 2014 | 9:01 pm
    The National Retail Federation says you’ll probably be $804 poorer after the 2014 holiday season wraps up. That’s how much the industry group says consumers plan to spend this year. While the lion’s share of that money goes to family, you also expect to spend $80 on friends and $26 on co-workers. Even Fido gets in on the action, with you pet lovers planning to spend $30 on their nonhuman companions. That’s how much you plan to spend. What about the amount you actually spend? Behavioral economist Hersh Shefrin says even many of the holiday shoppers who take the time to write a…
  • Could Maternity Leave Keep You From Buying a Home?

    Scott Sheldon
    21 Nov 2014 | 9:01 pm
    Looking to buy a home with a munchkin on the way? The details of your temporary leave may impact your ability to get a mortgage. If you plan on taking a maternity leave of absence from your job, it’s important to know how a home loan lender will view your income status. Generally, when you initially decide to get pre-approved with a mortgage company, they’ll take your salary and/or compensation figures into account when determining how much house you can qualify for using your monthly pre-tax income. Supporting documentation for this includes recent pay stubs, tax returns and W-2s for…
  • 5 Signs You’ve Outgrown Your Home

    AJ Smith
    21 Nov 2014 | 9:01 pm
    Although buying your home was likely the biggest financial and personal decision you have ever made, there will likely come a time when you are no longer comfortable living there. Maybe this was your “starter home” or some significant milestones in your life are encouraging you to move. If you can’t decide if this is the time for you to “move on up,” check out five signs that your current home no longer suits you. 1. You Need More Space The most common reason to outgrow a home is simple: your family has grown or is growing. A home you purchased as a newlywed ready for one child can…
  • Hockey Player With Multi-Million-Dollar Contract Files for Bankruptcy

    Christine DiGangi
    21 Nov 2014 | 11:45 am
    A 27-year-old professional hockey player declared bankruptcy Oct. 7, despite having earned $18 million in nine seasons in the NHL and $5 million on the way for his current season with the Columbus Blue Jackets. Nearly all of Jack Johnson’s money is gone, the Columbus Dispatch reports, and it’s a sad but not uncommon story showing how destructive debt and poor financial decisions can be, no matter how much money you have. Johnson’s path to bankruptcy reportedly includes defaulting on risky loans taken out at high interest rates, in addition to three lawsuits against him (two…
  • The $100 Bill on Your Windshield Really Is Too Good to Be True

    Christine DiGangi
    21 Nov 2014 | 9:22 am
    Finding a $100 bill would make anyone’s day, especially around the holidays. Of course, that happiness wouldn’t last long if someone stole your car as soon as you went to retrieve your newfound treasure. Apparently, that happened in Maryland. The attorney general’s office is warning residents of a potential theft operation where carjackers are putting $100 bills under cars’ windshield wipers, and when the driver exits the vehicle — car running, door open — to grab it, a thief hops in and drives off, WJLA in Maryland reports. Karen Straughn, the Maryland…
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    StepChange MoneyAware

  • Will interest rate rises leave you struggling with your mortgage?

    James
    20 Nov 2014 | 6:34 am
    Don’t get caught out by interest rate rises! There’s been a lot of talk over the last few years about interest rates going up. Lots of opinions and lots of speculation, but what does it mean in real terms? Do you know what would happen if your mortgage increased 2%? Have you got a plan in place? It might sound quite daunting but it’s better to be prepared. That’s why we’ve covered some of the likely questions you’ll be asking yourself if you’ve got a mortgage and worry that an increase could tip your finances over the edge. But first things first, let’s talk about “base…
  • Insulate your home on the cheap

    Rory
    20 Nov 2014 | 1:21 am
    The snowflakes are real, honest! Last year I discovered my new flat was about as well insulated as a beach hut. Every room and window seemed to be letting in a draught but since I’m from Yorkshire I tend to think that as long as it’s above freezing it’s warm enough for shorts. My other half disagreed and decided we’d have to make the place as warm as we could, for as cheap as possible. Thankfully another Yorkshire trait means I know how to save a ‘few bob’ so after a quick brew I cracked on with it. Here’s what I did… 1. Window insulation If you live somewhere with…
  • 8 frugal but delicious soup recipes

    Laura
    19 Nov 2014 | 7:10 am
    Cheap and tasty winter warmers As it’s getting colder and the nights are drawing in, one of the perks is snuggling up in your PJs with a hot bowl of soup. It’s even better when you’re watching a trashy show on telly at the same time, but enough about my Saturday nights.   As well as being good for you, soups are cheap and incredibly easy to make. You can actually get some pretty decent flavours from not that many ingredients. All you need to get started is some stock cubes and some salt and pepper. A hand blender can come in handy too, which you can pick up quite cheaply in big…
  • The ultimate Christmas DIY gift guide

    Jenny
    14 Nov 2014 | 8:27 am
    DIY Christmas gifts Remember when you were a kid and it was perfectly acceptable to give someone the misshapen clay pot you’d made in school at Christmas? I miss those days. Life was simpler back then. Fast forward 20 years and I’m currently stressing out about buying gifts – and it’s only November. “Tis the season” and all that but unfortunately it’s an expensive season that actually only lasts a day. Can’t we all decide on a universally acceptable amount to spend on each other at Christmas? Is this something we can vote on? Until my utopia is formed (it’s only a matter…
  • Scam alert! Have you had an email notice to appear in court?

    Laura
    13 Nov 2014 | 2:00 am
    Have you received a worrying email? Spam emails containing viruses aren’t a new invention – they’ve been used by criminals online since the dawn of time. Well, since the dawn of the internet at least. Although there’s more technology to help us spot spam emails these days, unfortunately they continue to wreak havoc in people’s lives. As well as causing fear and playing with emotions, they wreck computers and drain bank accounts. Luckily, this isn’t something clients tell us they experience often. But when they do, we want to make sure you’re aware too. What should I keep an eye…
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    Free Money Wisdom

  • Make Extra Money As a Blogger For Hire

    Jon the Saver
    18 Nov 2014 | 2:54 pm
    Want to make extra money as a blogger? It’s possible. It’s also not as easy as it might seem. While your writing dreams are well within reach, your income expectations may require adjustment! There are a few great places where it is easy to get set up and begin submitting your writing. In some cases, it’s almost as simple as that. While there are many bloggers out there and there are a lot who are earning great incomes from it, they are the exceptions. Most bloggers write to supplement existing revenue streams, and most use it as a means to get opportunities to speak to live audiences.
  • Save Money like a Boss

    Jon the Saver
    13 Nov 2014 | 10:41 am
    Save Money like a Boss If you want to save money like a boss, you are going to have to start thinking like a boss! Do not get caught up in the excuses for not saving money. It may seem like external forces are keeping you from saving money but the truth is a little more heartbreaking. If you are not saving money, it is because you do not want to. WAIT! Before you angrily click away, stick around a few minutes and learn why how you think about money is affecting what you are doing with it. (Trust me, you will be glad you did) Assets and Liabilities You might think a discussion on assets and…
  • 5 Smart Internet Businesses To Start for Under $50

    Jon the Saver
    6 Nov 2014 | 9:07 am
    5 Internet Businesses to Start There are many business ideas available on the internet. If you have an interest in learning how to start your own business, it is quite likely that you have already researched many of these ideas. Unfortunately, many of the business ideas that you are easily able to stumble across require a large initial investment. The truth of the matter is, most people that utilize the World Wide Web in order to discover business ideas are doing so because of the fact that their current income is limited. Therefore, it is virtually impossible for many with an entrepreneur…
  • Top 5 Smartphone Apps that Help Run Your Business on The Go

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

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

  • Tips on Finding the Cheapest Flights

    Karen Bryan
    20 Nov 2014 | 10:55 pm
    The Annual Flight Study by momondo, the flight and hotel price comparison site, offers three tips to help you find the cheapest flights. These tips were based on examining 7.5 billion fares over 100 popular routes. 1 – When to Book Your Flight The biggest saving can be gained by when you book your flight. […]Tips on Finding the Cheapest FlightsHow to save money. Copyrighted content published on Help Me To Save.
  • Will Europe Reach Pressure Point?

    Karen Bryan
    18 Nov 2014 | 10:34 pm
    The short fictional story Pressure Point written by Thomas Hughes and published by ABN AMRO Commercial Finance, describes a future financial crisis in the European Union involving power politics. The story is related in the first person by a German business man, Klaus Pinsel. Russia secretly builds a gas pipeline for supplying the Chinese market, […]Will Europe Reach Pressure Point?How to save money. Copyrighted content published on Help Me To Save.
  • Using Three Mobile’s ‘Feel at Home’ in the US

    Karen Bryan
    16 Nov 2014 | 10:38 pm
    I’ve only travelled to Europe over the last few years. During most of my trips I activated Vodafone’s Euro Traveller, where I paid a daily fee of £3 to use my UK plan in the country which I was visiting. However, when I was planning a trip to Chicago, I did some research into the […]Using Three Mobile’s ‘Feel at Home’ in the USHow to save money. Copyrighted content published on Help Me To Save.
  • Review of Zanussi ZWH7149P Washing Machine

    Karen Bryan
    13 Nov 2014 | 10:23 pm
    Signup for free umoneybook account Free web based software to analyze and boost your finances Our Bosch washing machine konked out after almost 9 years of use. Having been very happy with the low prices and free next day delivery offered by ao.com when we replaced our fridge freezer earlier this year, I started my […]Review of Zanussi ZWH7149P Washing MachineHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #98

    Karen Bryan
    12 Nov 2014 | 10:16 pm
    The My Money Podcast #98 summaries the articles below. listen to ‘My Money Podcast #98:Recent Articles Roundup’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Why Should Taxpayers Subsidise Low Wages? -  I believe that employers should pay a living wage, rather than taxpayers subsidising low wages through […]My Money Podcast #98How to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Is Your Credit Hurting Your Bottom Line?

    Erin El Issa
    21 Nov 2014 | 3:03 pm
    When it comes to borrowed money, your credit score can make or break your bottom line. Skeptical? Let’s crunch the numbers, using the average low credit card APR of 13.01% and the average high APR of 19.78%. A few percentage points in interest rate can cost you big Let’s say you’re working to pay off $8,000 in debt and you have $200 to put toward it per month. If you have the low interest rate of 13.01%, it will take you four years and four months to pay it off — and you’ll pay $2,394 in interest. If you have the high interest rate of 19.78%, it will take you five years and four…
  • Crime Rates in the U.S. Since 1960

    Sreekar Jasthi
    21 Nov 2014 | 2:39 pm
    To take a look at trends in U.S. crime over the last half century, NerdWallet visualized national crime rates since 1960 in the interactive graphs below.   As you’ll see in the first set of graphs, violent crime peaked in the early 1990s and has been on a steady decline ever since, thanks to an increase in police forces, the Violent Crime Control and Enforcement Act and other reasons. The second set of graphs show that total crime in the U.S. reached its highest rate in 1980 and has also been falling since the early 90s. The post Crime Rates in the U.S. Since 1960 appeared first on…
  • Will Rate Shopping Online Hurt My Credit Score?

    Lindsay Konsko
    21 Nov 2014 | 9:00 am
    These days, it seems like there’s nothing you can’t do online. For example, if you’re in the market for a loan, you may be doing your rate shopping on the web to see what kind of terms you qualify for. But does this impact your credit score? The answer is: It depends. Take a look at the details below for more information. Soft versus hard credit checks: A refresher for the Internet age First, let’s go over the difference between soft and hard credit checks. This is the key to understanding how rate shopping online will affect your credit. A soft credit check (also known as a soft…
  • With Trust, Joint Checking Accounts Can Make Family Finances Easier

    Tony Armstrong
    21 Nov 2014 | 8:46 am
    Whether you’ve just gotten married or have a college-bound child, a joint checking account can help you manage your shared finances. It can also spur healthy conversations about budgeting and spending habits. However, things can quickly sour if you aren’t on the same page with your financial partner, especially if he or she spends extravagantly while you aren’t quite as quick to whip out your wallet. Here’s a closer look at some of the pros and cons of joint checking accounts, and three scenarios in which opening one would make sense. After tying the knot After the honeymoon,…
  • The True Cost of Your Thanksgiving Meal

    Katie Ryan O'Connor
    20 Nov 2014 | 4:53 pm
    Each year, the American Farm Bureau Federation audits grocery stores across the country to determine the average cost of a Thanksgiving meal — which includes spot-checking prices on a 16-pound turkey, plenty of sides and, of course, dessert and coffee. The just-released 2014 survey pegs the cost of a classic harvest feast for 10 people at $49.41, a 37-cent increase from last year’s average of $49.04. The Farm Bureau’s full shopping list includes the turkey, bread stuffing, sweet potatoes, rolls with butter, peas, cranberries, a relish tray of carrots and celery, pumpkin pie with…
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    Card Hub

  • Annual Percentage Rate: What It Is, How It Works and What to Avoid

    John Kiernan
    20 Nov 2014 | 8:05 pm
    The Annual Percentage Rate (APR) is the approximate yearly cost of borrowing money from a financial institution.  It reflects the interest and/or fees assessed in conjunction with your balance and serves as a basis for choosing between similar financial products (e.g. between multiple credit card offers or mortgages). Source http://www.cardhub.com/edu/annual-percentage-rate/
  • 2014’s Most Popular Gift Cards & 8 Gift Card Tips

    John Kiernan
    20 Nov 2014 | 3:00 am
    There are a few things we can count on every year during the holidays: time off from school; an overweight, bearded out-of-towner breaking into homes via chimney; tone-deaf neighbors singing at your doorstep; embarrassing antics at office holiday parties; eating a bit too much; and, of course, gift cards. Gift cards are the most sought after type of present for the eighth straight holiday season, according to the National Retail Federation, with 62% of consumers hoping to receive one this year. But not all gift cards are created equal, and it’s important to understand which ones are the…
  • Why We Are Going to Court for CardHub Users

    Odysseas Papadimitriou
    18 Nov 2014 | 4:25 pm
    People often ask me what separates CardHub from the various other credit card comparison websites that exist in the marketplace.  One of the reasons, I say, has to be CardHub’s commitment to the consumer.  It truly is our mission to provide consumers with all of the tools and information they need to make the best possible decisions for their wallets. Sure, you might be thinking, but any CEO would say that! While that might be true, CardHub really does go to the mat for the folks who use our website.  In fact, allow me to share a story that illustrates just how far we’ll go for you.
  • 2014 Deferred Interest Study: The Retailers with the Sneakiest Financing Offers

    Alina Comoreanu
    18 Nov 2014 | 5:00 am
    The busiest shopping period of the year is right around the corner and sales are expected to increase by 4.1% from last year’s holiday season, reaching up to $616.9 billion, according to the National Retail Federation. During this period, financing options begin to seem more and more appealing to consumers. In addition to the regular financing options available during this period, a number of special promotions will surface as well. Most of these promotions are actually deferred interest plans.  Often advertised with bold tag lines stating “0% Interest for 12 months” or “Special…
  • Types of Gift Cards

    Odysseas Papadimitriou
    18 Nov 2014 | 4:00 am
    We’re all familiar with gift cards; they’re basically ubiquitous. After all, there were an estimated $126 billion in gift cards sold during 2014, which means U.S. consumption of gift cards is more than the GDP of 133 countries. Gift cards aren’t all created equal, though. They differ from one another based on their issuer and the manner in which they are delivered. Understanding how your gift card is structured will enable you to maximize its value. Store Gift Cards: Most stores these days have their own gift cards. Consumers can typically purchase them in store or online. Many credit…
 
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    CreditDonkey

  • Best Antivirus: Norton vs McAfee vs Kaspersky

    22 Nov 2014 | 12:00 am
    From email bugs to identity theft to sophisticated social media scams, cyber-criminals are constantly finding new ways to get at your data. Here are our 3 choices to keep you safe.
  • Best Time to Buy Christmas Flights

    21 Nov 2014 | 12:00 am
    The holidays are a tricky time for travel: airfares skyrocket and travelers who didn’t take a moment to plan their trip with care will pay dearly for their tickets.
  • Walmart Credit Card Review: Read Before You Apply

    21 Nov 2014 | 12:00 am
    Is the Walmart Credit Card worth applying for? Read this expert review and comparison of the Walmart store card and Walmart MasterCard before you apply.
  • What to Buy in December

    20 Nov 2014 | 12:00 am
    Trying to save money during the busiest shopping month sounds like a fool's errand. You just need to know which items will have the best prices. Find out what to buy in December and what to avoid.
  • 23 Things the Middle Class Can No Longer Afford

    19 Nov 2014 | 12:00 am
    Is the middle class doomed? Here are 23 things today's middle class cannot afford.
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    Rhonda Sherwood

  • Delaying OAS Payments: Good Idea for your Retirement?

    Rhonda Sherwood
    18 Nov 2014 | 1:28 pm
    Many people have questions and concerns about how delaying OAS payments will affect their retirement income. Not only will Canadians have to wait longer to receive Old Age Security (OAS) payments, but another change to the rules means that people who opt to start receiving payments later will receive a higher amount each month. Does it make sense for you to decide to delay OAS payments to get more money later on? Let’s look at your options carefully to help you determine which choice is best for you. The Old Age Security Pension As a Canadian you are entitled to receive certain government…
  • 9 Questions to Think About when Planning your Retirement

    Rhonda Sherwood
    11 Nov 2014 | 12:41 pm
    If you’re like most people, you probably don’t have the time to assess your future retirement needs. However, with increasing life expectancies and concerns over the stability of our health care system and government/private pension plans, planning your retirement is a must. Planning your Retirement: Questions to Ask Yourself To help you get started, here are some questions to think about: 1. How much money will I need to last throughout my retirement years? Some experts say you’ll need up to 70% of your pre-retirement income to support your retirement lifestyle. 2. What will be my…
  • 3 Reasons you Should Add your Pet to your Will

    Rhonda Sherwood
    4 Nov 2014 | 3:56 pm
    Do you know who will take care of your pet if you should pass away? Most people assume that a family member will step in and take care of their companion animal. The reality is that many animals end up being taken to shelters after their owners die. Many times, the pets end up not finding homes and meet their own tragic ending. You can prevent this from happening to your beloved companion animal by pre-planning. Regardless of your age, if you have a pet you should have a formal plan in place to care for their needs should you become unable to look after them. Add you Pet to your Will: It just…
  • How to be Financially Wise After Losing a Spouse

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

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

  • Debts Owed on Your Checking and Savings Accounts

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

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

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

    26 Sep 2014 | 7:13 am
    Special issues arise if you owe money to a bank or other financial institution on a checking or savings account because of a negative balance on that account. We'll explore some of the important issues here. DEBTS OWED ON YOUR DEPOSIT ACCOUNTS When you have money in your checking or savings account, the balance on that account is the amount of money the bank or financial institution owes TO you. A checking or savings account is not intended to turn into a debt owed BY you to the financial institution. But that is what it does turn into if it has a negative balance. That can happen in a…
  • What is the Statute of Limitations for Debt in California?

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

  • Budget-Friendly Beer: Where to Find the Cheapest Ales, Lagers and Stouts

    Steve Gillman
    21 Nov 2014 | 10:00 am
    There’s something about the sound of cracking open an ice-cold beer. And somehow, the beer tastes even better when you know it was a great deal, doesn’t it? Whether you’re enjoying a reward after a hard day’s work or stocking up for a holiday party, we’re here to help you make the most of your beer budget. Note that a few of these recommendations only hold true in in states that allow alcohol sales in grocery stores; if you want to buy your beer at Walmart, you’d better not live in Delaware or Wyoming. Here’s our guide to cheap beer: the good, the bad and the ones you…
  • Love Road Trips? How to Save Money While You Cruise the Country

    Kelly Gurnett
    21 Nov 2014 | 3:00 am
    Sick of paying for parking when you’re in a big city? Get an oil change instead. That’s what frugal duo Mike and Lauren did to save on parking fees in the Windy City. As reported on Lifehacker’s Two Cents blog, the couple was passing through Chicago on a road trip, and they wanted to park while they explored the city. But the idea of paying through the nose to have a place to leave their car turned them off. So, they got smart. Rather than spending money on an all-day parking lot, they took their car to an auto shop and got an oil change. For $30 bucks, they had somewhere to leave their…
  • 9 Ways to Get Free Baby Diapers

    Kyle Taylor
    20 Nov 2014 | 6:35 am
    Did you know that the average newborn goes through 10 diapers a day! And that by the time they’ve hit their third birthday, you’ll have spend more than $2,100 buying at least 8,580 diapers! Crazy! That’s a huge expense on a family, so we’ve put together a list of 9 ways you can get free diapers…. 1. Free Samples Believe it or not, there are a ton of companies that will send you free diapers just for trying out their brand. It’s not a long-term savings strategy, but you can definitely get enough samples to last you for a week or so. Every little bit helps!
  • 3 Ways to Earn Cash in the Classroom Without a Teaching Certificate

    Leah Thayer
    20 Nov 2014 | 3:00 am
    We likely all know one or two teachers and have heard about the challenges of the job. From staying up late marking essays to getting kids to care about events from hundreds of years ago, teachers face a number of difficulties. And as entrepreneurs know, these issues and obstacles — known as pain points — are often business opportunities. As a teacher, I earn a living in the classroom. But even those without a teaching certificate can find paying gigs in education. Here are some of the ways enterprising people have earned extra cash — and helped teachers at the same time. 1.
  • How Renting a House With Multiple Roommates Could Cut Your Rent in Half

    Lisa Rowan
    19 Nov 2014 | 3:00 am
    Do you love where you live? Or is your choice of home seriously cramped by the size of your budget? Big city dreams are often quashed by big city apartment price tags. Financial relief can come in the form of a group house. But before you begin recounting tales of sitcom-level nightmare roommates, consider the positives: More space. Maybe a yard. Meals that beat microwave noodle cups by a mile. If those advantages sound tempting, group living might be a good option for you. We asked two group-living pros how they get by for less, but end up feeling richer for it. Meet Two Group-Living Experts…
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    Learn Financial Education

  • Means You Can Employ to Protect Yourself Against Credit Card Fraud

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

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

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

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

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

  • 3-D Printed Firearm Leads to Jail Time

    Justin Kelsey
    3 Nov 2014 | 2:08 pm
    According to Mashable, the first person to go to jail for making a 3-D printed firearm was a 28 year old man from Japan, Yoshitomo Imura.  Read more about the story here.In Japan gun ownership is heavily restricted and there is no exception for 3-D printed guns, though the arrested man claimed he didn't understand he was breaking the law. In Massachusetts, a 3-D printed firearm will be treated like any other firearm manufactured in your home.  Just because the technology has made it easier for more people to manufacture firearms doesn't change the legality of doing so.  For…
  • Matthew Trask Accepts Position with Remington Arms Company, LLC

    Justin Kelsey
    31 Oct 2014 | 1:04 pm
    We are very excited to announce that on November 10, 2014, attorney Matthew Trask will assume the role of Compliance Manager for Remington Arms Company, LLC in Ilion, New York.  He will be managing the compliance team for their New York facility, and will be responsible for maintaining Remington’s compliance with the Bureau of Alcohol, Tobacco, Firearms & Explosives (BATFE) regulations, including the NFA, GCA, ITAR and other applicable state and federal laws. Although this departure from Massachusetts will prevent Attorney Trask from directly representing firearms clients in the…
  • Is Making a Firearm in Your Home Legal?

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

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

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

  • Why You Should Opt For IBR Before Public Service Loan Forgiveness

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

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

    Jay Fleischman
    6 Nov 2014 | 3:00 am
    When you deposit money into the bank, you want to access it as fast as possible. Here’s why you may not always get what you want from the bank, and how to turn it around to your advantage. Before 2010, the banks were a mess when it came to new money. Sometimes you’d deposit money into your account and it would be available immediately, and other times it would take a few days to clear. With no clear rules on funds availability, consumers were perpetually confused. Expedited Funds Availability Act To standardize the process of depositing and clearing funds into your bank account,…
  • What To Do If Your Salary Won’t Cover Your Student Loan Payments

    Jay Fleischman
    4 Nov 2014 | 3:00 am
    When you graduate from college you expect to find a job that will pay enough to allow you to take care of those student loan debts. For many, however, that dream fails to turn into reality. Millions of people graduate each year, diploma in hand and stars in their eyes, only to find that their best employment option is in a field that doesn’t require a degree at all. Faced with a paycheck that barely covers gas for the car, the student loan bills quickly fall behind. It’s no wonder – after all, most student loans companies don’t broadcast their payment options. That…
  • Private Student Loans And Bankruptcy In A Cosigned World

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

  • Year End Stock Market Trends: Time To Celebrate?

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

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

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

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

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

  • Credit History: More is less and Less is more!

    Marissa Anwar
    19 Nov 2014 | 5:02 pm
    More payments, less (spending on) credit cards and more time, less interest. Does this sound confusing? Not if you look at it against the background of improving your credit history… Building up a good credit history takes time, and if it’s been tarnished for whatever reason, improving it will also take time. While you wait, it’s all about doing the right things right, paying off more rather than less to avoid attracting and spending less to over the medium to long term gain big in terms of your credit history or profile. Your credit history is all about your credit payment pattern over…
  • Free Things That Will Take Your Jamaican Vacation To The Next Level

    Marissa Anwar
    18 Nov 2014 | 11:31 pm
    Let’s talk about Jamaica, shall we? It is one of the most beautiful places on the planet, and has the culture to boot. I’m ashamed to say that for someone who loves warm weather,  this year was the first time that I had the pleasure of visiting the country.  And let’s just say that there is a lot more to the country than Bob Marley- although he is pretty fantastic. The Caribbean is the only part of the world that I suggest all-inclusive trips for.  Not only are you pretty much taken care of the entire time that you’re there, but it allows you to relax, and enjoy the…
  • How to Save Money on Food While Travelling

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

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

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

  • Credit History: More is less and Less is more!

    Marissa Anwar
    19 Nov 2014 | 5:02 pm
    More payments, less (spending on) credit cards and more time, less interest. Does this sound confusing? Not if you look at it against the background of improving your credit history… Building up a good credit history takes time, and if it’s been tarnished for whatever reason, improving it will also take time. While you wait, it’s all about doing the right things right, paying off more rather than less to avoid attracting and spending less to over the medium to long term gain big in terms of your credit history or profile. Your credit history is all about your credit payment pattern over…
  • Free Things That Will Take Your Jamaican Vacation To The Next Level

    Marissa Anwar
    18 Nov 2014 | 11:31 pm
    Let’s talk about Jamaica, shall we? It is one of the most beautiful places on the planet, and has the culture to boot. I’m ashamed to say that for someone who loves warm weather,  this year was the first time that I had the pleasure of visiting the country.  And let’s just say that there is a lot more to the country than Bob Marley- although he is pretty fantastic. The Caribbean is the only part of the world that I suggest all-inclusive trips for.  Not only are you pretty much taken care of the entire time that you’re there, but it allows you to relax, and enjoy the…
  • How to Save Money on Food While Travelling

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

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

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

  • Credit Cards in the News: November 15-21, 2014

    Chris Mettler
    21 Nov 2014 | 1:05 pm
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for November 15-21, 2014. FICO Score 9 Available to TransUnion TransUnion announced this week that FICO Score 9 is available for lenders and other businesses, which is good news for borrowers. The program is designed to improve how credit is reported, will provide…
  • EMV Credit Card Fraud Already Present

    Tom Kerr
    20 Nov 2014 | 8:37 am
    Three U.S. financial institutions recently reported that they were flooded with fraudulent credit and debit card transactions. What was particularly strange was that this happened despite the fact that the charges were attributed to the newer, more innovative, and much more secure, chip-enabled cards. Although the charges showed up as coming from credit cards with the newly embedded chip technology, the transactions were dated before these banks had even issued any chip-enabled plastic. Before you get too worried, I can reassure you that your chip-enabled cards are not flawed or vulnerable.
  • Citi Price Rewind Helps Shoppers Save Even More

    Chris Mettler
    19 Nov 2014 | 6:15 am
    With the holiday season right around the corner, Citi has updated their Citi Price Rewind program to help their customers save with ease. Citi Price Rewind helps cardholders shop and save smarter without having to clip coupons or track prices and while avoiding the holiday shopping crowds. Shoppers looking to save on electronics, apparel, sporting goods, furniture and more, can now receive even greater savings when they use Citi Price Rewind. Only Citi Price Rewind searches for a lower price after you buy – a benefit you won’t find anywhere but with Citi. When a lower price is found,…
  • Protecting Credit Cards from Online Data Breaches

    Tom Kerr
    18 Nov 2014 | 11:52 am
    Last year when the first major retail chain had its credit card files breached by hackers, it made headlines. Reporters followed the story for months, and when another breached happened at a different company, it was even bigger and made more dramatic news. Recently, though, the cyberattacks are happening regularly, and therefore are no longer making headline news. For example, The Associated Press reported that two small phone companies posted the Social Security numbers, driver’s licenses, and other sensitive data of 300,000 clients to the Internet. Or you can just hop over to Forbes,…
  • Credit Cards in the News: November 8-14, 2014

    Chris Mettler
    14 Nov 2014 | 10:57 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 November 8-14, 2014. CFPB Proposes New Set of Rules for Prepaid Cards On Wednesday, the Consumer Financial Protection Bureau (CFPB) proposed a new set of rules for prepaid cards. The CFPB stated that prepaid card issuers charging overdraft fees are actually…
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    Feeds : dailyworth

  • Don’t Go Broke This Holiday Season

    16 Nov 2014 | 9:00 pm
    Your Guide to Frugal Cheer Finding it hard to feel festive when all you can think about is that fat credit card bill or those student loans you’re (still) paying off? Unfortunately, you’re not alone: three in four American households are currently saddled with some kind of debt. So, as we enter a new holiday season — with shoppers planning to spend even more than last year — here’s how to affordably take part in the giving season and keep a lid on debt. Plan Around Your Real Budget Aiming to cap your holiday spend at $500? Map out your spending…
  • How to Bounce Back From Credit Disaster

    3 Nov 2014 | 9:00 pm
    Your Credit Isn’t Ruined Forever A reader named Val wrote me after a stint of unemployment left her drowning in medical bills, student loan debt and collection accounts. She was working again, but the pay wasn’t great and she wondered if her credit would ever recover. “I have no idea how to grab hold of my credit score and get it to rise once again,” she said. Eighteen months later, after educating herself about credit, Val still hadn’t found a better job — but her scores were marching higher. She managed to pay off overdue bills and get collection accounts…
  • When You Need a Financial Expert and When You Don’t

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

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

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

  • Buying an Investment Property

    Hank Coleman
    19 Nov 2014 | 2:43 pm
    Buying a property is stressful.  Buying an investment property generally means taking your personal tastes out of the decision, but paying close attention to details that will make the home pleasing to future tenants.  Here are some basic tips for buying an investment property. Get Pre-Approved Unlike with some personal home loans, investment property mortgages generally require at least a 20% down payment.  Make sure the properties you intend to buy are something that you can afford.  That said, you should attempt to get pre-approved for a mortgage before you start the search.  It would…
  • How Does Your Credit Score Compare to the Rest of the US?

    Guest Contributer
    10 Nov 2014 | 4:00 am
    Credit scores are a curious thing. On the one hand, they say a great deal about us; they indicate, at least to a certain extent, our fiscal responsibility. They’re used by banks, credit card companies, car dealerships, and many other institutions to determine our “creditworthiness.” What’s strange, then, is how difficult it can be to know just what your credit score is – and how to find it. I’ll give you some suggestions in a moment for how you can get your credit score for free. For right now, though, let’s put things in perspective. I want to pull back the curtain just a…
  • Affordable Homeownership: How To Get Help To Buy a Property

    Guest Contributer
    5 Nov 2014 | 4:00 am
    There are more would-be first-time house buyers than ever before, who think that they will find it almost impossible to get on the housing ladder without a bit of help to get them started with affordable homeownership. Many first-time buyers either have to make use of some funding from the bank of Mum and Dad if it is available, towards the deposit, or they turn to one of the homebuy schemes that have been set up to help people achieve their dream of owning their own home. Home ownership schemes There are currently four specific home ownership schemes that are being backed by the government…
  • Why Are You Wasting Your Reward Points?

    Hank Coleman
    3 Nov 2014 | 2:00 am
    You may not be fully aware of it, but you’re probably sitting on your own personal treasure hoard: a stash of airline miles, hotel points or reward points you’ve earned through your credit cards. According to statistics compiled by Points.com and its parent Points International (PCOM), a company specializing in helping consumers trade, exchange and redeem reward points, the average American is hoarding more than 61,000 reward points through various programs. Americans have more than 2.65 billion loyalty memberships — 21.4 per household. This would be fine if we were spending…
  • What Will Switching to Card Reading Do to Your Tips

    Jeffrey Hernandez
    2 Nov 2014 | 4:51 am
    If you’re the owner of a small business that employs people who work for tips, your choice of payment system is holding their livelihood in the palm of your hand. A lot of considerate bar owners, restaurant owners, and more will think twice before they institute any changes that could adversely affect the people who work for them. This is both kindness and practicality. If you can’t get the people working for you a decent living wage then they’re going to leave, you’re going to have high turnover, and everything that you wanted or worked for is going to blow up in your…
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    Forex Weekly Technical Indicators Statistic Record

  • Post Technical Analysis (16 - 22 Nov 2014)

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

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

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

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

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

  • Get out of survival mode and into a prosperity mindset

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

    Mindy Crary
    11 Nov 2014 | 9:00 am
    During this time of year, I actually go back and re-read an old set of blog holiday posts—almost like reviewing journal entries (if you keep one).These are the posts that remind me to stay sane now that the holidays are coming! It’s so easy to become completely unconscious during the holiday season…we eat too much, spend too much and experience WAY too much stress as the year closes out.We all have this image of the “perfect” scenario, and do what we can to try and fulfill it. Sometimes all of that expectation is too much.It brings up old resentments and frustrations.That’s…
  • Why you should never buy permanent life insurance

    Mindy Crary
    4 Nov 2014 | 12:54 pm
    I used to sell life insurance.  And for the majority of people, I believe they have no business buying permanent life insurance. Life insurance agents make claims, such as “permanent life insurance offers great returns,” or “it’s much safer than the stock market.”  However, my experience has been that permanent life insurance ends up being a money suck during a time when you need your excess cash flow the most. Why you need life insurance At its core, life insurance is about two things: Covering debts or goals that the surviving family would have a hard time…
  • Are you making the most of your employee benefits?

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

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

  • Eliminate Gas Costs By Leasing an Electric Car

    Aaron
    21 Nov 2014 | 4:04 am
    A few months ago my brother and I were talking about thrifty living and he mentioned someone he worked with who leases an electric car – saving him a lot of money in fuel and auto repair costs. I’d never really heard of anyone doing this – and thought the idea was genius. Being that wife and I routinely spend over $350 per month in gas driving to our jobs and miscellaneous errands/travel – lowering this monthly “vehicle payment” would be a blessing. Plus, we’d be doing our small part in helping to save the environment, right? I wanted to get a hold of…
  • How to Register at Uber

    Aaron
    19 Nov 2014 | 4:27 am
    I’m sure you have heard all the fuss about a new ride-sharing service called Uber. The gist of it is that Uber uses Average Joe drivers that have cleared their background checks and hooks them up with folks that need rides to and fro via their smartphone app. Now, the “drivers” could be anyone, really. A college student, a stay-at-home mom, or retired Uncle John who wants to earn a little side cash. Uber requires that the driver pass their background check and their car be in excellent condition (year 2005+). There are also professional drivers in the mix as well. Why use…
  • A Couple Websites That May Help You Lower Your Medical Bills

    Aaron
    13 Nov 2014 | 4:12 am
    At work the other day we were notified that our medical insurance rates would be going up another 5% next year. While I was a bit disappointed at the increase, I don’t think this is all that bad considering the climate and direction of healthcare costs. Note: There is a poll embedded within this post, please visit the site to participate in this post's poll. Since healthcare is likely to keep climbing for the foreseeable future, I thought it would be good to get online and see if there are folks out there trying to find solutions and help people save more on their medical bills.
  • How to Lower Your DIRECTV Bill

    Charlie
    10 Nov 2014 | 1:00 am
    This past year marked our nine year anniversary of using DIRECTV for our TV service. This relationship has lasted a lot longer than I ever thought it would. However, that doesn’t go without saying that the relationship hasn’t had its bumps and bruises. Like any human relationship, it’s about give and take, and our experience with DIRECTV hasn’t been anything different. Here is what our current service looks like: “Total Choice Family Package” – 55 channels – $29.99/month DVR Services – $0.00/month for 12 months (normally a $10/month…
  • 5 Easy Steps to Install Your Ooma Telo

    Aaron
    7 Nov 2014 | 4:28 am
    Since you hear us mention the Ooma Telo device at the site frequently, we thought it would be neat to create a helpful “how-to” infographic with our friends (and current site sponsors) from Ooma. We want to show how easy the device is to install and set-up. You can literally have it up and running in a matter of minutes! You might also be interested in: Ooma 2 Years Later – How the Savings Add Up Ooma Safety Phone Review Ooma Premier Review 2014 – Is It Worth It? NetTALK Duo Wifi Review – A Good Option For Cheap Phone Service? MagicJack Reviews: 30 Day Free Trial…
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    Nerd's Eye View | Kitces.com

  • Weekend Reading for Financial Planners (Nov 22-23)

    Michael Kitces
    21 Nov 2014 | 12:02 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with coverage of the newly shortened computer-based CFP exam that was administered for the first time this week, and also an announcement by the CFP Board in its recent business webinar that the public awareness campaign, and the additional $145/year fee that funds it, is expected to continue "indefinitely" (as long as the campaign results continue to be positive). In addition, the FPA also released this week a new study about advisors and growth, finding that advisory firms are…
  • Allocating A Portfolio In The Context Of Human Capital And The Rest Of A Household’s Total Balance Sheet

    Michael Kitces
    19 Nov 2014 | 4:01 am
    While portfolio management understandably focuses on how best to allocate a portfolio, the reality for many (or even most) investors is that their financial assets may not even be the majority of their total net worth, compared to other assets like real estate, the (illiquid) value of their pensions and Social Security, and for those who haven’t retired yet, their human capital. In fact, for younger workers, their human capital – or the present value of their future earnings from employment – may actually be the largest asset they own! Yet the reality is that assets like human capital,…
  • A Birthday Celebration, An FPA NexGen Graduation, And A Moment Of Rebirth

    Michael Kitces
    18 Nov 2014 | 8:15 am
    It is with mixed feelings that today I face my 37th birthday – a unique milestone for me, as it marks the maximum age threshold for NexGen, a group I helped to co-found 10 years ago (with the original inauspicious name of "Mouseketeers"!), and for which I was perhaps the most ardent advocate for having a maximum age as a requirement for membership. Now, a decade later and with no small amount of irony, I find myself being “forced out” – or as I like to put it, “graduating” – under the very age-based rule I fought so hard to keep in place early on. For me, today is a day of…
  • Are Profit Margins For Financial Advisors Too Generous, Or Are AUM Firms Actually Not Profitable Enough To Survive The Next Bear Market?

    Michael Kitces
    17 Nov 2014 | 4:01 am
    While early adopters of the assets-under-management (AUM) model got started in the late 1980s or early 1990s, the model only really began to become widely adopted in the early 2000s. Yet as the AUM model has become increasingly popular, and firms have had time to build, the “typical” advisory firm has grown significantly, from an average of only $25M of AUM in 2002 to more than $200M of AUM in 2013. And with an average profit margin of about 22%, the typical advisory firm owner with an AUM practice is enjoying record take-home pay. Yet the caveat is that as advisory firms on the AUM model…
  • Weekend Reading for Financial Planners (Nov 15-16)

    Michael Kitces
    14 Nov 2014 | 12:01 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with a recent interview with the CFP Board where it reiterated its focus on growing the number of CFP certificants (as there are still more CFP professionals over the age of 70 than under the age of 30!), but also that the organization is committed to not lowering its standards in the process of pursuing growth. Also in the news this week are some highlight articles of the recent T3 Enterprise conference for advisor technology in large firms (which included some new product launches…
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    cheapbohemian

  • The Angel of the House Has Left the Building

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

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

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

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

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

  • Rent out your spare room with Homestay.com and earn some extra cash

    Pauline
    21 Nov 2014 | 9:44 am
    Credit Most of us have been renters at some point in our lives. Whether it’s booking holiday accommodation, or long-term renting, we have all been part of the rental market. But renting doesn’t just have to be looked at with the dread of depleting your finances. By renting out your spare bedroom you could instead earn some extra cash. Homestay.com allows home owners to advertise their spare room on their website. Homestays are an increasingly popular form of accommodation that connects guests with individual hosts who have opened up their homes and rent out their spare rooms. The idea is…
  • Why is talking about money so taboo?

    Pauline
    21 Nov 2014 | 8:49 am
    I have always been curious about money. How people earn it, save and spend it fascinates me. And yet, from an early age, I was told “we don’t talk about those things”. Like religion, past boyfriends and political orientation, money is a taboo for many people. And like any taboo, not talking about it may damage your attitude towards it. Imagine having received no information whatsoever about romantic relationships, and not knowing how to behave around a boyfriend. That is terrifying and could even be dangerous. Not knowing how to handle your first paycheque is just that dangerous. You…
  • What is the best gift you ever gave or received?

    Pauline
    18 Nov 2014 | 2:07 am
    Christmas is fast approaching, and with it the pressure to buy the perfect gift for the ones you love. And sometimes, you just forget about it. So you end up on the 23rd frantically going from shop to shop, and end up buying the most expensive gift out of guilt. Something that will clutter the other person’s place and not be remembered. So will you help me here, and help my readers by sharing the best gifts you ever gave or received, to give us all a few ideas of cool yet affordable and thoughtful Christmas gifts? I’ll go first.   The best gifts I received, yes plural, were on my…
  • Enrolling In The Thrift Savings Plan

    Pauline
    10 Nov 2014 | 10:05 pm
    Hello everyone, please help me welcome Marvin from  www.brickbybrickinvesting.com and www.tspinvesting.com. You can connect with him on social media: Twitter | Facebook | Google + | LinkedIn. Many people have a lot of concerns about saving enough money for retirement, especially given the current state of the economy and the issues with various pension plans. In truth, the very things that most people once thought were completely safe and would virtually guarantee their ability to live comfortably in retirement; have turned into sources of contention as they discover virtually…
  • Easiest Way Ever To Know How Much Money You Need For Retirement

    Pauline
    5 Nov 2014 | 10:05 pm
    Hello everyone, I have a guest post today,  Jon writes at Money Smart Guides, a personal finance blog dedicated to helping readers get out of debt and start investing for their future. He has written a book, Seven Steps To Early Retirement, which breaks down early retirement into basic steps so that you can successfully retire early. Everywhere you go, you see various retirement articles telling you how much to save for retirement. One article will tell you that you need $1 million. Another article will tell you that you need $5 million. I don’t know about you, but the difference between…
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    Zoho Blogs

  • Boost your holiday sales with these 5 email marketing tips

    Sarah
    20 Nov 2014 | 10:26 am
    For many businesses, the holiday shopping period is critical for generating revenue and garnering brand awareness. With the annual sales spike quickly approaching, businesses are planning new promotions and targeting their marketing efforts on customer appreciation. But even if your business does not directly profit from the holidays, you can still lean on the ubiquitous hype of the season to get creative with your email campaigns. If you’re vying for a piece of the sales pie this season, you have to compete with the 55% of brands using email as a top communication channel for…
  • Zoho.in provides Free domains for Indian businesses!

    Gautham G
    19 Nov 2014 | 6:52 am
    ​Zoholics: India is all about us sharing our journey through the years; in the faith that business owners would benefit from our experiences. We have decided to not stop with just that, however. Starting tomorrow, we are giving away .in and .co.in domains to businesses in India. India’s Micro, Small and Medium sized businesses have seen unprecedented growth over the last decade. Bangalore, in particular, has seen a visible rise, being one of the most entrepreneur friendly cities in the world. With trends pointing towards continuing growth in the industry, we believe that our business…
  • Customer Spotlight: How JusCollege Increased Their Sales from $1 Million to $20 Million in Only 2 Years

    Arun
    18 Nov 2014 | 11:59 am
    “Each of our sales was averaging between $10,000-$200,000 and we badly needed a CRM to help manage these large groups!” It was mid-2012, and JusCollege, a startup hospitality company focused on booking vacations for large groups of college students was just beginning to get traction. As co-founder Allan Teruel recalls, it was an internal incident which prompted the search for a CRM solution. “We were using Google Docs for sales tracking and one day we accidentally deleted a very key Google doc that had important customer information – this was because Google Docs was not really…
  • UK Accidents – An Analysis with Zoho Reports

    S B Saravana Bharathi
    17 Nov 2014 | 8:25 pm
    “Accidents are not accidents but precise arrivals at the wrong right time”, says, a popular writer and poet. This blog analyzes the road accidents that happened in the UK, and the contributing factors, for the years 1979 to 2013, based on the data published by the Ministry for Road Transport of the UK government. Let us take a look at the year-wise trend of the number of accidents. The overall trend is a decreasing one.The number of accidents shot up to 3.2 million in 1981. The lowest was clocked in the year 2011 with the total number of accidents being around 60,000. When it comes to…
  • Big Business with Small ideals

    Gautham G
    14 Nov 2014 | 9:07 am
    For many, an ideal business would be one which grows steadily year after year, chasing the dream of monopolizing their market. They would love to become an irreplaceable constant for their customers in an ever-changing world. However, in the process of growing, many businesses lose what they were loved for. In the long run, this loss would become a key factor in their downfall. For businesses, it might be better to be the king of a small kingdom, rather than a large collapsing anarchy. Would you prefer a slow steady stream, or a large unreliable downpour? The Bigger they are… In…
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    Money Estate - Personal Finance Tips Blog

  • Relocating your Business Venture to London: The Pros and Cons

    Money Advisor
    20 Nov 2014 | 2:40 am
    In recent times, the London property market appears to have decoupled from the rest of the British economy. More specifically, it has managed to maintain steady growth and consistently high property prices while other regions have floundered, and this trend gather further credence in 2014 as the value of London real estate peaked. There are […]
  • How do I find my pension?

    Money Advisor
    21 Apr 2014 | 2:40 am
    Have you got a personal pension plan but you don’t know its where abouts? Do you want to find it but don’t know where to start looking? This article will help you find your personal pension plan and how it’s performing, There are a couple of options available to you when you want to trace […]
  • Raising the Value of a Home: Solar Does More than Reduce Bills

    Aira
    26 Mar 2014 | 7:27 pm
    Wouldn’t it be nice to get your mail and find that there is a check from the power company instead of a bill? That is the experience that some Americans have on a monthly basis. Did you know that an average rooftop solar array could add up to $30,000 to the value of your home? […]
  • Best Money Management Online Tools

    Aira
    21 Mar 2014 | 1:18 am
    So much of our time is now spent online. From work, to social networking, entertainment and shopping. With virtually almost everything being done online now it’s easy for the things that we do off-line to pushed to the side and even forgotten. The trick is figuring out how to integrate all of those tasks to […]
  • Struggling To Get A Mortgage? Top Tips For Getting On The Housing Ladder

    Aira
    19 Mar 2014 | 1:29 am
    Many people in the UK believe that their financial status means that they’ll never be able to get on the housing ladder, as the prospect of getting a mortgage just seems to unrealistic. However, in many situations there are things that you can do to help turn the tables on your financial situation and work […]
 
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    Cult Of Money

  • Why You Shouldn’t Wait Until the New Year to Set Your Financial Goals

    Alexa Mason
    19 Nov 2014 | 12:15 am
    So, it’s not even December and I’m already bombarding you with a new year’s resolution post. Crazy, right? Well, here’s the thing if you’re going to be setting a financial goal at the beginning of 2015 I think you need to hear this right now – Don’t wait to set your goal! I would hate to see you go into debt over Christmas just to make a goal to get out of that debt ten days later. It’s pretty counterproductive, right? Why You Should Set Your Financial Goals Now Just because January marks the start of the New Year does not mean it’s the only time you should set goals for…
  • How to Save Money Fast: A Step by Step Guide

    Alexa Mason
    12 Nov 2014 | 12:15 am
    There are times in your life when the ability to save money fast becomes a high priority. I’ve certainly been there before! Whether you’re saving for a large purchase like a down payment for a home or car, or just need some spending money (Christmas, anyone?) you can save money at a semi-fast pace. There’s only one prerequisite: you have to be willing to work hard! Since this is something I need to do right now to I thought I’d share my step by step guide for saving money fast. Calculate Your Bare Bones Budget and Live On It Your bare bones budget is the amount you need to hit all…
  • How to Break Down the Information in College Financial Aid Letters

    Robert Farrington
    12 Nov 2014 | 12:10 am
    If you are a student preparing for college, you will probably apply to between 5 and 8 different institutions. Every school is different, and prices can vary enormously, depending on a million different factors. You may be stuck in the middle, unsure of where you want to go. As always, the finances clarify matters quite a bit. But deciphering financial aid letters and navigating private student loans can be a bit daunting. We’ve broken down the finer points found in every financial aid letter you receive, everything you’ll need to understand the finances of your further education. Each…
  • 4 Ways to Cut Your Vehicle Expenses

    Robert Farrington
    12 Nov 2014 | 12:05 am
    Whether you realize it or not, your car can cost you a lot of money in several sneaky little ways. If you’re trying to minimize your spending, transportation is one area that you shouldn’t overlook. If you concentrate on these four things you’ll be able to easily spend less money on your vehicle! Optimize Your Gas Mileage It’s no secret that over the last ten years gas has become insanely expensive. Gas prices are actually dropping a bit now in my area but they are still far more than I’d like to pay! To save money on gas you need to optimize your gas mileage. Here are a few things…
  • The True Cost of Raising a Kid is What?!

    Alexa Mason
    5 Nov 2014 | 12:15 am
    A recent article on Vox.com broke down the costs of raising a child to the age of 17. The magic number ended up being $245,000, which in my mind is a rather inflated number. (This number doesn’t include college education.) You all know that I happily raise my kids on a $20,000 a year salary. They have a roof over their head, food in their bellies, clothes on their back, and lots and lots of love. I thought it would be interesting to look at the breakdown of some of the numbers and see how they can be decreased. Ready? Housing – $73,500 I’ve got to be completely honest – I don’t…
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    PFhub - Business, Financial & Economic News

  • Mattel’s Incompetent Barbie Book Gets the Hook

    Andrew Moran
    21 Nov 2014 | 8:48 am
    Is the concept of Barbie being inept a thing of the past? Well, if it persists then the general public will be irate, at least according to the reaction to a kids book published a few years ago has generated. Many consumers are taking to social media to show their dissatisfaction with a 2010 Random […]The post Mattel’s Incompetent Barbie Book Gets the Hook appeared first on PFhub - Business, Financial & Economic News.
  • Amazon Video Streaming Service Could Cripple Netflix

    Andrew Moran
    21 Nov 2014 | 8:37 am
    What would Netflix do if a competitor offered its video content for free? The rumors of Amazon launching a free alternative to its popular Prime service are starting up again after a series of outlets have reported that the online retail juggernaut is introducing a new service next to its existing $99 video service. According […]The post Amazon Video Streaming Service Could Cripple Netflix appeared first on PFhub - Business, Financial & Economic News.
  • Yahoo Will be New Default Search Engine for Firefox

    Andrew Moran
    20 Nov 2014 | 6:49 pm
    Mozilla’s third-most popular Firefox web browser is getting a new search engine partner. The non-profit organization announced late Wednesday that it will be replacing Google for Yahoo as its default search engine, a move that has surprised many considering their 10-year partnership. The change will be noticed immediately by its users because approximately 100 million searches transpire […]The post Yahoo Will be New Default Search Engine for Firefox appeared first on PFhub - Business, Financial & Economic News.
  • Beats May be the Next App Apple Inc. Forces on Users

    Kaitlin Longmire
    20 Nov 2014 | 11:46 am
    In May 2014 Apple announced its agreement to get hold of the famous music service provider Beats. Beats is a subscription based company and is extremely popular amongst music lovers. Apple Inc. (NASDAQ:AAPL) through this deal also gained Beats electronics, which is responsible for Beats headphones as well as speaker and audio software. The co-founders […]The post Beats May be the Next App Apple Inc. Forces on Users appeared first on PFhub - Business, Financial & Economic News.
  • Chinese Developers get Access to Google Play Store

    Kaitlin Longmire
    20 Nov 2014 | 11:39 am
    Google has been making some significant advancement in expanding its businesses and its research and development department. The multibillionaire information technology giant has now opened its play store market for the Chinese application designers. The key focus of the company is on differentiation strategies. It provides unique and variety oriented services and products and targets […]The post Chinese Developers get Access to Google Play Store appeared first on PFhub - Business, Financial & Economic News.
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    Squawkfox

  • 5 Budget-friendly tactics for surviving Black Friday

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

    Kerry
    16 Nov 2014 | 5:11 pm
    Having trouble viewing this? CLICK HERE How to make a sandwich Food, Saving When a fancy cooking program showed me how to make a simple sandwich, I got snarky and calculated the cost of lunch. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Are you frugal or cheap?

    Kerry
    6 Nov 2014 | 6:15 pm
    Having trouble viewing this? CLICK HERE Are you frugal or cheap? Saving Take the frugality test by answering these cheapness questions to see for yourself. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Is Dollarama’s $3 HDTV antenna worth it?

    Kerry
    24 Jun 2014 | 5:51 pm
    Having trouble viewing this? CLICK HERE Is Dollarama's $3 HDTV antenna worth it? Saving I bought a three dollar TV antenna from the dollar store. This is what happened. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Daddy plays. Mommy cries.

    Kerry
    1 Jun 2014 | 10:05 am
    Having trouble viewing this? CLICK HERE Daddy plays. Mommy cries. Depression My two-year-old daughter noticed something was wrong. My depression was back. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
 
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    Finance and Money Savings Tips

  • 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

  • How Does 401k Vesting Work?

    Mike Collins
    21 Nov 2014 | 6:15 am
    You probably have a 401(k) through your employer which allows you to put money away for retirement, and if you’re lucky your employer also matches some of your contributions so your money will grow even faster. But what you might not realize is that company match isn’t automatically yours to keep and you might have to forfeit it if you leave your job before reaching minimum vesting requirements. But what is vesting and how does it work? When it comes to 401(k) plans, vesting means ownership.  You’re always fully vested in any money you contribute from your paycheck, those are yours…
  • Capital One 360 Online Savings Review

    Mike Collins
    19 Nov 2014 | 4:18 am
    If you’re looking for an online bank that offers interest rates far better than any brick and mortar bank plus a bunch of other customer-friendly features, I strongly recommend you consider opening a Capital One 360 savings account. I’ve had a Capital One 360 account for over two years now (back then it was called an ING Direct Orange Savings Account, until the company was acquired by Capital One).   Setting up and funding a new account  is a piece of cake and I couldn’t be happier with their services so far. Why I Love My Capital One 360 Savings Account I don’t know…
  • How to Attract Renters to a Home

    Mike Collins
    17 Nov 2014 | 2:32 am
    By Jennifer Riner of Zillow In a highly competitive rental market, large property management (PM) companies often meet prospective tenants eager to submit their applications for approval. Single-family homeowners looking to lease space in their primary residences or individual investment properties aren’t as lucky. Typically, word-of-mouth marketing best suits small-scale landlords, increasing the probability of renting to close family members or friends. However, word-of-mouth marketing isn’t the best solution for all circumstances. Some rental property owners need tenants sooner than…
  • Will Playing the Lottery Cost You Your Retirement?

    Mike Collins
    11 Nov 2014 | 2:09 am
    A true story of my friend Bill who wasted thousands of dollars on the lottery. The story you are about to hear is true.  Only the names have been changed to protect the ignorant. For a few years when my children were first born I worked part time at a department store.  It was pretty mindless work…scanning inventory, working out stock, loading furniture into cars for customers.  I can’t say I really loved working there.  Working two jobs is tough, and my part time work wasn’t exactly making me rich.  But it helped get us through some lean times, plus I met some pretty cool…
  • Skinnytaste Cookbook Review

    Mike Collins
    5 Nov 2014 | 2:47 pm
    I’m on a mission to lose weight and my wife is a big fan of the Skinnytaste blog, so when I had an opportunity to grab a free copy of the Skinnytaste Cookbook I jumped at it. When it came in the mail my wife practically jumped out of her shoes and dove right in looking for new dinner recipes that would be both healthy and full of flavor.  We’ve already used one recipe for dinner..the Mongolian Beef and Broccoli was out of this world and just bursting with flavor! I have a number of other recipes flagged so we can try them too, including the Kiss My (Shrimp and) Grits,…
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    Bank On Yourself

  • Expert Interview: Cultivating an Attitude of Gratitude

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

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

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

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

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

  • Staying Financially Responsible During the Holiday Season

    alissaharb
    21 Nov 2014 | 4:00 am
    Your holiday spending extends beyond gift-giving—you also need to consider the cost of food, drinks, decor and all those travel expenses. It’s basically the season of spending money. And that’s okay. It is what it is. You could try to reimagine your holidays as something different, but we are creatures of habit, and our habit is to spend a lot on and around the holidays. What you should focus on is planning ahead. You may stash a little extra cash for gifts, or you may even set a strict budget for what you’ll need to spend on gifts, but what you can’t neglect to…
  • Tour America’s Most Expensive Home

    alissaharb
    20 Nov 2014 | 4:00 am
    Coldwell Banker has pinned down the most expensive house currently available on the American market. Sneak a peek at this palatial West Coast property—and its insane price tag. Related Article: World’s Most Expensive Restaurant Breakfasts
  • 15 Meat-Free Mains for Thanksgiving

    alissaharb
    19 Nov 2014 | 4:00 am
      We can think of more than a few good reasons to go meat-less this Thanksgiving. For starters, you’ll save big if you skip the expense of purchasing that protein for a huge holiday crowd—but any old reason will do. We’ll take any excuse to spend time perusing these beautiful blogs, and this time, we turned up 15 fabulous meat-free mains that can easily hold their own on the holiday table.   Barley Risotto with Kale and Butternut Squash Mountain Mama Cooks Mountain Mama Cooks has created perhaps the healthiest cold-weather comfort food in the form of Barley Risotto…
  • 5 Netflix Hacks to Make the Most of Your Account

    alissaharb
    18 Nov 2014 | 4:00 am
    We’re big fans of Netflix—huge, really. But the the service is not without fault. Take in these five easy ways to make the very most out of your Netflix account every time you log in. Related Video: 6 Easy Tech Hacks That Will Change Your Day-to-Day
  • The Ultimate Packing List for Savvy Travelers

    alissaharb
    17 Nov 2014 | 4:00 am
      Packing isn’t the most glamorous part of traveling. But if you do some careful advanced planning, it can make your life on the road a lot easier, saving you time, money and frustration in the long run. Consider this list of often-overlooked—and infinitely valuable—items to pack before your next major trip. Portable Chargers These babies always make the list of things people often forget to pack. Now that the TSA has a new rule requiring travelers to turn gadgets on at security checkpoints, pack your chargers or power packs in your carry-on bag or handbag in case you run…
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    DINKS Finance

  • Weekly roundup: Snow, IRAs and small spaces

    Kristina
    21 Nov 2014 | 2:00 am
    Happy Friday Dinks.  This week we had our first snow up here in Montreal and I wasn’t ready for it.  I guess it’s time to get out the ear muffs (yes I wear ear muffs) and winter coats.  I personally don’t adapt to the cold weather very well.  I’m one of those people who wear two sweaters, socks with slippers and sometimes a scarf indoors.  I was born and raised in the North East but I really don’t like the cold. Is it snowing where you live? Have a great weekend.  Enjoy these good reads from our friends: Modest Money – When Can I Afford to Take a…
  • How to get your house winter ready

    Kristina
    20 Nov 2014 | 2:00 am
    Here’s my personal confession for the week, my new apartment is cold.  It’s very very cold.  I mean we’re talking don’t want to get out of bed type of cold.  As you know Nick and I just moved into our apartment Oct 1 and we’re already freezing as fall gets closer to winter, I’m afraid to see how cold the temperature in our apartment is going to get in February. Trying to stay warm in a cold apartment Our apartment building was built in 1870 and up until last year it was always used as office space.  A year ago a real estate developer bought the building…
  • How do you set your budget?

    Kristina
    19 Nov 2014 | 2:00 am
    I know that setting a budget means living within your means and deciding how and when we want to spend our money.  But how do you set your monthly spending budget?  Maybe you budget based on what you earn or maybe you set your budget based on how much your expenses cost. Nick and I have always lived with fixed expenses because we had two fixed incomes.  We knew exactly how much we had coming in each month and therefore it was very easy to budget.  We paid our bills, set money aside for savings and spent everything else.  Up until last month we only had one living expense – rent. …
  • 6 ways to save $20 today

    Kristina
    17 Nov 2014 | 2:00 am
    As you know I’m always looking for ways to save money – always, absolutely any way I can.  I’ve become very money conscious over the last month and this is how I’m saving money absolutely every single day. Here are a few ways to save $20 today: Avoid food at the movies.  I love going to the movies and there is nothing better than a big bag of buttery popcorn and a diet coke to make a night out at the movies even better.  However spending $20 on one drink and a bag of popcorn just isn’t smart.  Bring your own snacks or eat before and save yourself some money.
  • Weekly roundup: Amazon, apartments and assistance

    Kristina
    14 Nov 2014 | 2:00 am
    (This is a pic from the New Orleans Aquarium) Good morning Dinks.  I hope you’re having a great Friday.   I don’t know what it is about Fridays but there’s something different in the air.  I wake up in a better mood and Fridays are just a happy day.  Maybe it’s because we get to wear jeans in my office – who knows!   Do you feel the same way on Fridays? Have a great weekend and enjoy these posts: Clever Dude – Where to Get Financial Assistance on a Low Income Wise Dollar – Is Everything Cheaper on Amazon? Young Adult Money -Would You Invest in…
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    Wallet Hub

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

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

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

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

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

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

  • A Little known way to save money in your budget; increase your insurance deductibles

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

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

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

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

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

  • A Review of The Intelligent Investor by Benjamin Graham

    Adam
    21 Nov 2014 | 6:15 am
    The Intelligent Investor is the famous book written by Warren Buffet’s mentor, Benjamin Graham. This is one of the must read books for both average investors and Wall St. Brokers. In this book, Graham lays out his philosophy of investing and some key investing ideas that allow anyone to beat the market by following sound investing principles. The book primarily focuses on three points which I will briefly describe below. Value Investing Graham starts out by giving various examples of why there are stocks that are undervalued in the market place. This can occur for a number of reasons…
  • Bankruptcy and Business: What You Need to Know

    Adam
    20 Nov 2014 | 10:45 am
    Struggling with finances is something that many businesses have dealt with throughout the company’s life, but sometimes debts pile up to the point where a company may have to file for bankruptcy. If your company is struggling with your finances and you can’t seem to get out from underwater, bankruptcy may be the best possible option for you. According to bankruptcylawyernh.com, “Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start.” What this means is that filing for bankruptcy doesn’t necessarily have to destroy your…
  • Find the Best Finance Education in Manchester

    Adam
    19 Nov 2014 | 6:15 am
    It’s almost the end of 2014 and students everywhere are finally turning their minds away from high school and looking forward to what’s to come at college. If you’re one of those students that has settled on doing a business degree, then your next choice will be deciding on which colleges to apply for. You want the best deal for your money and this is not always an obvious choice. There are many factors that contribute to choosing the right institution for you, and a lot of that lies in the facilities you will have access to, the lecturers that will be teaching you, course construction,…
  • Top Reasons You Should Get a Business Appraisal

    Adam
    18 Nov 2014 | 6:15 am
    Every business owner wants to be successful, and some make the mistake of assuming that the bottom line in their accounting software is all the proof they need to determine just how well the company is doing and how much it’s worth. But this isn’t accurate. Financial software isn’t the key to determining the value of your business—appraisal is. Increasing the value of your business is important, and an appraisal will let you know if you’ve done that since the company’s inception. Some business owners only get an appraisal of their business when they’re looking to sell, but that…
  • The Business of Coffee: 10 Surprising Financial Facts

    Adam
    17 Nov 2014 | 6:15 am
    The global industry of the coffee trade is quite large. Coffee is more popular than ever, no other beverage is more revered or respected than our trusty cup of joe. Coffee is a $60 billion dollar industry, produced by third world nations and consumed by industrialized nations the world round. After crude oil, coffee is the most sought after commodity in the world. Amazing right? The spread of coffee began in the Horn of Africa, where coffee trees originated as early as the 15th century. Cultivation began and word spread of this delightful plant, making its way to the Dutch where it was grown…
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    Save Invest Give

  • The Process of Giving Appreciated Stock to Charity

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

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

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

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

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

  • Three Steps to Get on Top of Your Year End Tax Planning

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

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

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

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

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

  • A Rising Tide Raises All Boats, but It Can Only Rise So High

    Advisor Voices
    20 Nov 2014 | 7:21 pm
    By Michael Mezheritskiy Learn more about Michael on NerdWallet’s Ask an Advisor Let’s talk a bit about equity valuations. Investors love it when their accounts go up in value. As their account values grow, they keep expecting more and more— and then they get complacent. They lose the understanding of what a stock is. It’s more than an ownership piece of the underlying company. Ownership in a stock is the right to a piece of that company’s earnings over an extended period of time. Investors are very aware of duration when they are investing in fixed income, but they tend to forget…
  • 4 Frugal Ways to Celebrate Thanksgiving

    Advisor Voices
    20 Nov 2014 | 3:06 pm
    By Richard Rosso, MS, CFP®, CIMA® Learn more about Richard on NerdWallet’s Ask an Advisor. According to a recent fun facts bulletin by the Census Bureau, more than 4 million U.S. households will have at least three generations under a single roof this Thanksgiving. Of those I’m honored to help navigate through financial difficulty, seven out of every 10 families will celebrate multiple generations around beautifully trussed tabletops; the more giving, the greater the thanks. So, how can you celebrate community with an abundance of guests, gratitude and spirit on Thanksgiving—and…
  • Fee-Based, Fee-Only and Commission Services: Key Differences

    Advisor Voices
    20 Nov 2014 | 10:39 am
    By Laurel Hardy Learn more about Laurel on NerdWallet’s Ask an Advisor If I weren’t a fee-only financial advisor, I would have some serious questions about what I should be looking for in an advisor. Do you know what it means when someone says he or she is a fee-based advisor? I left my position as a fully licensed financial advisor at a well-known wire-house investment firm and bank, where I was paid on commission and offered fee-based services, to open my own fee-only investment and planning firm. For those wondering what the difference is between commissions, fee based, and fee-only…
  • 7 Black Friday Credit Card Tips You Can’t Afford to Miss

    Lindsay Konsko
    20 Nov 2014 | 9:58 am
    Admit it: You can’t wait to get started on your holiday gift shopping. But if you’re planning to lean heavily on your credit card for Black Friday sales, the Nerds have a few important tips you can’t afford to miss. Check out the details below for everything you need to know to swipe smart this holiday season (and beyond): 1. Shop with a rewards credit card to rack up serious points The most important thing you can do to make the most of this holiday shopping season is select a card that provides a steady return on your spending in the form of points, miles, or cash back. Then, use it…
  • Training Jennifer Lawrence for ‘The Hunger Games’—and Igniting an Archery Revival

    Kevin Voigt
    20 Nov 2014 | 6:20 am
    When Khatuna Lorig helped “Hunger Games” star Jennifer Lawrence nock her first arrow, the five-time Olympian archer couldn’t guess she was about to help set the world of archery ablaze. “I didn’t know when I was coaching her that it would go as big as it would go,” says Lorig, who trained Lawrence for two weeks to prepare for the role of Katniss Everdeen in the 2012 blockbuster “The Hunger Games.” Go big it did. The movie and its sequel, “Catching Fire,” grossed more than $1.5 billion worldwide, according to Box Office Mojo. So expectations are high for the third…
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    The Truth About Credit Cards.com

  • Get $10 in Amazon Gift Cards for Every 5 Taps with Softcard

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

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

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

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

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

  • The psychology of packaging: What the color of your packaging says about your product

    A.W. Berry
    21 Nov 2014 | 6:00 am
    Packaging color seeks to influence consumer behaviorBy Andrew Fujii There has been much research and much debate about the effects colors have on the emotions of humans. Can the color red really make someone hungrier? Can baby blue bring about a calming sensation?While a variety of studies point to the fact that colors can elicit specific emotions amongst humans, they can be a little misleading.While certain colors elicit certain emotions, they are generally not ubiquitous throughout the population. Other factors play important roles in determining how a person reacts to colors. With…
  • Financial news: November 21, 2014

    A.W. Berry
    21 Nov 2014 | 3:00 am
    • CNN: Employment statistics mask the poor outcome of part-time labor practices• CNBC: Big data analysis of corporations risks exposing weak business models• Zero Hedge: A GS employee consistently received illegal info. from the NY Fed• NYT/Reuters: Accredited investor rule proposal excludes home value from net worth• Fox: New regulation allows up to 25% of 401(k) contributions into longevity annuity• Bloomberg: Arizona is suing General Motors for $3B over faulty engineering• MW: The SEC halted trade of 4 OTC Ebola related stocks for lack of public info.• AP: Generic drug…
  • Simple steps to file for federal tax extension

    A.W. Berry
    20 Nov 2014 | 6:00 am
    IRS 6-month tax filing extensions are automatic  By Whitney. L. Coopeir Every time the wonderful and exciting time of filing your personal or business taxes arrives, you may need to take a few moments to regain confidence, take all the documents you had carefully prepared and put together, and fill out and file your forms.But what if not all of your documents are in order? What if you are still missing a few important pieces to the IRS puzzle? What if you simply cannot afford the extra hour or hours to do your taxes during the time given by the Internal Revenue Service (March 17th or…
  • Financial news: November 20, 2014

    A.W. Berry
    20 Nov 2014 | 3:00 am
    • Fox: Seasonal e-spending via desktops, tablets & smartphones forecasted to ↑ 16%  • Reuters: Supply chain components are key in lowering airplane production costs• CNN: Of 211,275 people with net assets over $30 million, only 27,465 are women• CNBC: U.S. 10-yr Treasury Security yields cold rise with EU inflation• ZH: Policy induced economic bubbles generate diminishing returns & systemic risk• DOL: Nov. 15 jobless claims, 291K, down 2K; average  287.5K, up 1.75K• MarketWatch: Leading & lagging equity assets change over the decades• BI: Gold prices…
  • The 5 most costly healthcare procedures

    A.W. Berry
    19 Nov 2014 | 6:00 am
    The cost of U.S. healthcare has steadily risen year-over-year since 2000 By Andrew Fujii Regardless of your stance on the Affordable Care Act, there is no denying that healthcare in the United States is costly. Whether it is covering your premium or paying for a monthly prescription, you can expect to empty your wallet.Luckily, our health insurance covers a substantial portion of ridiculously expensive procedures that otherwise would bankrupt most individuals. Even with these exorbitant costs covered, other expenses such as copays and deductibles can add up.What happens if we take away health…
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    LCF on Personal Finance

  • We all have 4 ‘Spouses’ in our Lives – How? This may enlighten you

    ChingFoo Lieu
    15 Nov 2014 | 9:02 pm
    There was a rich merchant who had 4 wives. He loved the 4th wife the most and adorned her with extravagant robes and treated her to delicacies. He took great care of her and gave her nothing but the best. He also loved the 3rd wife very much. He is very proud of her beauty and always wanted to show off to his friends. However, the merchant is always in great fear that she might run away with some other men. He too, loved his 2nd wife. She is a very considerate woman, always patient and in fact is the merchant’s confidante. Whenever the merchant faced some problems, he always turned to…
  • How To Side Step Your Biggest Investment Enemy

    ChingFoo Lieu
    9 Nov 2014 | 5:03 am
    Investors often seek some kind of edge.  They follow investment trends, listen to economic experts, and search for the hottest unit trusts or stocks.  By doing so, however, many jeopardize their investment returns.  It’s ironic.  Most investors underperform the returns of the average stock—by paying high fees, reacting to investment news and trying to make forecasts. In the three years ending October 28th, the Malaysian stock market gained 28.87 percent.  Most Malaysians likely did worse. In the U.S., a firm called Dalbar tracks the returns of retail investors, compared to the U.S.
  • Confession of Warren Buffett & a private fund manager

    ChingFoo Lieu
    28 Oct 2014 | 7:48 pm
    Warren Buffett does not mind admitting his mistakes – that’s how legendary of an investor he is. Call a spade, a spade, yes? Why do we want to be right all the time? We are human after all – and the richest man in the world can teach us this kind of humility. It is no secret that IBM and Coke represent two of Berkshire Hathaway’s 3 biggest holdings, but their operational blunders have already cost Mr Buffett more than $2.5 billion in the 4th week of October 2014. Nearly $1 billion on IBM after the company posted disappointing earnings, while Coca-Cola (KO) did the…
  • Here’s how you really recognize true wealth which you don’t see

    ChingFoo Lieu
    21 Oct 2014 | 6:33 am
    When you meet someone who drives a RM 300,000 car, do you think this way: That he has RM 300,000 less in the bank now (if he bought in cash)…or… more than RM 300,000 in debt, than he did before he bought the car…or… he earns at least RM 300,000 a year after tax income (it is not uncommon to drive a car that is at least a year’s worth of one’s income in Malaysia). We seldom think of it that way. Most of our perception of wealth is shaped via material possession, especially by what we see other people have. Since we don’t have access to their net…
  • Unbelievable Money mindset we all can learn from this Malay dude’s story

    ChingFoo Lieu
    13 Oct 2014 | 8:43 pm
    We can complain all we want on the hike in fuel prices or when some “experts” said that RM 2,500 monthly salary is sufficient for fresh graduates. If we stick to complaining, nothing is gonna change. Action & execution speak louder than words – best exemplified by Faizul Ridzuan, author of WTF? 23 Properties by 30 in his recent Facebook wall post. Not being racist here but to quote Tan Sri Clement Hii – “…I won’t know how the perception of Malays being “lazy” come about. But I have Malay friends, staff and business associates who are…
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    Money Soldiers

  • Is Bankruptcy an Option When You Can’t Afford to Pay Your Mortgage?

    Arnel Ariate
    16 Nov 2014 | 5:18 am
    Few things are scary for a homeowner than being strapped for cash and unable to pay the mortgage.  Miss a payment, and your lender will be contacting you to get the money.  If you decide to bury your head in the sand and simply ignore the problem for a few months, the next step will […]Is Bankruptcy an Option When You Can’t Afford to Pay Your Mortgage? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • The Top 3 Financial Perks of Being Retired

    Arnel Ariate
    14 Nov 2014 | 6:31 am
    After a lifetime of hard work, reaching the retirement age is a blessing – finally having the time to enjoy all the things in life that work has prevented you from doing. Yet, a lot of people may worry about their financial life after retiring.  Living on the minimum state government pension and figuring out […]The Top 3 Financial Perks of Being Retired is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • What to Consider When Looking for Car Insurance

    Arnel Ariate
    13 Nov 2014 | 7:32 pm
    As official government websites may remind you, arranging insurance is something you are unable to avoid if you want to drive your car on the roads or in other public places – unless, of course, you are prepared to face the especially severe penalties for breaking the law. A necessity it may be, but that […]What to Consider When Looking for Car Insurance is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Determining if Now is the Time to Refinance or Buy a New Home

    Arnel Ariate
    8 Nov 2014 | 6:45 am
    Whether you have plans to buy a new home or you are thinking about refinancing your mortgage in the near future, you may be wondering if now is the right time to move forward with your plans.  There are numerous factors to consider when making a decision like this, and some of these are personal […]Determining if Now is the Time to Refinance or Buy a New Home is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How to Win a Battle Against Big Prices

    Arnel Ariate
    8 Nov 2014 | 6:01 am
    The war has been happening all around the world ever since its creation.  The battles have started for so many reasons it would probably take a whole year just to outline all of them.  One of the most common reason is regarding money, or wealth in general.  People have been fighting to gain more for […]How to Win a Battle Against Big Prices is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
 
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    Hull Financial Planning

  • 5 Reasons HR Directors Should Include Financial Planning in Benefits Packages

    Jason Hull
    20 Nov 2014 | 6:00 am
    “Truth is confirmed by inspection and delay; falsehood by haste and uncertainty.” –Tacitus If you’re in human resources, you have two primary jobs: Find and acquire the best talent possible for what you can spend, and Retain the best-performing talent for what you can spend. It was one of the challenges that I faced in […]Learn to beat your Monkey Brain and Accelerate Retirement. 5 Reasons HR Directors Should Include Financial Planning in Benefits Packages is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: 5 Reasons Financial Planning Helps…
  • The Surprising Suggestion for Who Should Receive Your Estate If You Have No Children

    Jason Hull
    13 Nov 2014 | 6:00 am
    “Inheritance taxes are so high that the happiest mourner at a rich man’s funeral is usually Uncle Sam.” –Olin Miller My wife and I have no children. Not only does this create additional planning issues for us regarding care when we are older, but eventually, when we depart this earth and discover what’s on the […]Learn to beat your Monkey Brain and Accelerate Retirement. The Surprising Suggestion for Who Should Receive Your Estate If You Have No Children is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: What to do if You Receive a Life…
  • Giving Back in Honor of Veterans Day – 2014

    Jason Hull
    10 Nov 2014 | 10:01 pm
    I’m a veteran. I didn’t serve for very long, and while I did two tours of Bosnia, I never faced the dangers that some of my fellow brothers and sisters in arms did. Every one of them who has ever put on a uniform has made some sort of sacrifice, and most of them did […]Learn to beat your Monkey Brain and Accelerate Retirement. Giving Back in Honor of Veterans Day – 2014 is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Giving Back in Honor of Veterans Day Giving Back in Honor of Veterans Day How Much Would You Have to Budget to Go to…
  • Leave Forecasting to the Weatherman

    Jason Hull
    6 Nov 2014 | 6:00 am
    “Prediction is very difficult, especially if it’s about the future.” –Nils Bohr “Weather forecast for tonight: dark.” –George Carlin As we saw in “Do You REALLY Know How You Would React if the Stock Market Dropped by 20 Percent,” the personal finance industry loves their risk tolerance questionnaires. They think that you’re going to be […]Learn to beat your Monkey Brain and Accelerate Retirement. Leave Forecasting to the Weatherman is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Do You REALLY Know How You Would React if…
  • Do You REALLY Know How You Would React if the Stock Market Dropped by 20%?

    Jason Hull
    30 Oct 2014 | 6:00 am
    “What is necessary to change a person is to change his awareness of himself.” –Abraham Maslow “The final mystery is oneself.” –Oscar Wilde If you’ve ever taken one of those online financial assessments, you’ll know that you’re asked questions about yourself. Most of them are either demographic – how old are you, are you married, […]Learn to beat your Monkey Brain and Accelerate Retirement. Do You REALLY Know How You Would React if the Stock Market Dropped by 20%? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How the…
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    Listen, Money Matters!

  • What to Expect Before, During, and After You Purchase a Home (Ep. 243)

    Candice Elliott
    22 Nov 2014 | 3:00 am
    Buying a home is uncharted territory for many of us. Both Matt and Andrew have done it and will tell us what to expect during each step of the process. We’ll break this down into three parts, before, during and after. Before Your mortgage payment shouldn’t be more than 30% of your take home salary.  Don’t buy a home with a person you are not married to.  Property is hard enough to untangle when you have some legal protections, it’s much worse when you don’t. The bank wants to see more than your down payment liquid in your checking account.  They want a buffer.
  • This Financial Life: Jeff Wilson (Ep. 242)

    Candice Elliott
    21 Nov 2014 | 3:00 am
     A  listener joins us for a financial check up in our This Financial Life episode.  Jeff Wilson finds out what he’s doing well and what he could do better. Jeff lives in the Midwest where he works for the Department of Natural Resources, it’s an outside job where he helps care for wild life sites.  He burns down stuff for a living! Jeff is 26, he has $24,000 in student loans.  He’s paid off about $12,000 so far.  His rent is $300 a month.  His loan payment is $400 a month.  He’s making about $1600 a month with some fluctuation. He has avoided credit card debt,…
  • Inside CommonBond with David Klein (Ep. 241)

    Candice Elliott
    20 Nov 2014 | 3:00 am
     You know we at LMM want to help you any way we can to reduce your student loan debt.  David Klein joins us to discuss refinancing to save you money. CommonBond is a student loan lending platform that provides lower cost financing to graduate students and graduates.  They started out as a pilot program at one school and now they have expanded to over 109 programs. The federal government holds over 90% of student loans.  They set the same rate which inflates them for credit worthy borrowers.  When David went back to school in 2011, his rate was 8%.  He saw an opportunity and with his two…
  • 5 Questions: Stack vs Snowball, College Wisdom, Comcast ETF Ep. 240)

    Candice Elliott
    19 Nov 2014 | 3:00 am
    It’s the episode devoted to your questions.  Today we talk about the stack vs snowball methods of debt reduction, college wisdom, and Comcast ETF. 1.  What is your advice for an 18 year old with a part time job about to start college?  College Info Geek is a great resource for college kids.  Make as many connections as you can, join clubs, get to know your professors, join a fraternity.  Apply to every scholarship known to student kind.  We did an episode about that. 2.  If you have one student loan at 7.15% do you attack that first or pay across both loans? If you want the…
  • The High Cost of Poor Health Care

    Candice Elliott
    18 Nov 2014 | 4:00 am
    It’s no secret that even with the advent of the Affordable Care Act, it’s costly to be healthy in America. But the high cost of poor health care is even more costly.  How We Compare America spends $2.8 trillion a year on health care, amounting to 1/6 of the total economy.  Broken down per person, that is $8500 a year each of us would spend on health care. The US spends 17.7% of it’s economy on health care.  Compare that to France at 11.6%, Canada at 11.2%, the UK at 9.4%, and Australia at 8.9%.  A lot of this spending can be explained because of lack of price controls. In most…
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    Equifax Finance Blog

  • Divorce and 529 plans: What Are the Tax Consequences?

    Eva Rosenberg
    21 Nov 2014 | 4:00 am
    As the cost of college continues to increase, many parents opt to open 529 plans in order to help save for their children’s tuition. These plans, which are operated by a state or educational institution, offer federal and state tax benefits and allow the donor—often a parent—to retain control of the account. When it’s the parent, not the child, who has control of the funds, the 529 plan is considered a marital asset. This is important to remember in the event of a divorce, when parents will need to specify how the 529 plan will be funded and used. (A 529 plan can only have one owner,…
  • Watch Out for Identity Theft this Holiday Season

    Equifax Experts
    20 Nov 2014 | 4:00 am
    When Alex B. opened an email from Craigslist requesting his username and password, he thought nothing of it and entered the information. It wasn’t until hours later, when he noticed several items posted as “holiday sale specials” from his Craigslist account, that he realized something was wrong. Sure enough, he had provided his email to an identity thief who had used his Craigslist account to advertise holiday deals in an attempt to con users out of their cash. “Craigslist prides itself on being a low-maintenance platform, so the fact that the email was plain text and simply formatted…
  • Seven Ways to Save Money Without Even Thinking About It

    Teri Cettina
    19 Nov 2014 | 4:00 am
    When you decide you’re ready to save more money, it’s natural to focus on certain items: refinancing your house, selling a car, or cutting back on going to restaurants. Those are often great ways to get ahead on your savings quite quickly. However, if you want to start slowly, building your savings without feeling the pain, that’s an option, too. Here are seven ways to increase your savings without giving it a second thought: 1. Program your thermostat. You’ve probably heard this suggestion before, but have you actually done it? Set your thermostat so it automatically turns your heat…
  • 5 Things Not to Buy on Black Friday

    Teri Cettina
    18 Nov 2014 | 6:45 am
    Black Friday is a tempting time to shop if you love the energy of crowds and the possibility of a great deal. If you have some patience, you may be able to find better prices on many items later in the holiday season, or at another time of year. Here are five items you can skip buying on Black Friday: Door-busters: Particularly avoid electronics and small appliances that are touted as “special deals” for early-bird customers. Why? Nationally recognized consumer expert Andrea Woroch says they’re often of inferior quality and created specifically for the big shopping event. Unless you…
  • Prioritize Your Charitable Contributions This Holiday Season

    Miranda Marquit
    17 Nov 2014 | 4:34 am
    With the holiday season on the horizon, you may see an uptick in the number of requests to donate from charitable organizations. We all like to help out when we can, and the holiday season seems an especially appropriate time for many of us to show our generosity. To help you give back while maintaining a responsible budget, it makes sense to step back and prioritize your charitable contributions during the holiday season. Where do you think the money will do the most good? One of the first things you should determine before giving back is where your money will do the most good. You can find…
 
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    Bargains with Brittanie

  • Sports Authority Top Holiday Gifts Under $50

    Brittanie
    21 Nov 2014 | 7:48 pm
    Disclosure: I was compensated for this publication by Sports Authority. The opinions expressed remain my own. From figuring out who to buy for to find the best deals on gifts, holiday shopping can be tough. That’s why when it comes to finding gifts for the Sportsman (or sportswoman) on your holiday shopping list it’s great […] The post Sports Authority Top Holiday Gifts Under $50 appeared first on Bargains with Brittanie.
  • FREE Celeste Pizza from SavingStar!

    Brittanie
    21 Nov 2014 | 5:51 pm
    Today you can snag a FREE Celeste Pizza from SavingStar! To get your freebie simply head over and add this coupon to your store card. Once added redeem it by purchasing the item and scanning your store card at your local grocery store. You will then receive 100% cash back on this item making it free! These freebies come from […] The post FREE Celeste Pizza from SavingStar! appeared first on Bargains with Brittanie.
  • FREE Herdez Cooking Sauce from Kroger & Affiliated Stores!

    Brittanie
    21 Nov 2014 | 5:42 pm
    Today Kroger and Affiliated stores are giving away a FREE Herdez Cooking Sauce! Just head over and select your store then log in to your account and add this coupon to your storecard. Then all you need to do is purchase this item, scan your store card, and it’s FREE! You must download the coupon today […] The post FREE Herdez Cooking Sauce from Kroger & Affiliated Stores! appeared first on Bargains with Brittanie.
  • Dollar Tree 10% off in-store purchase of $10 or More Coupon! Valid 11/23

    Brittanie
    21 Nov 2014 | 5:22 pm
    If you were planning on making a trip to Dollar Tree anytime soon you are going to want to go this Sunday because it’s their Customer Appreciation Day and they have released a 10% off in-store purchase of $10 or more coupon! In order to get your discount you will need to print out the coupon […] The post Dollar Tree 10% off in-store purchase of $10 or More Coupon! Valid 11/23 appeared first on Bargains with Brittanie.
  • List of 10 FREE eBooks 11/21/14

    Brittanie
    21 Nov 2014 | 5:17 pm
    Below is your List of 10 Free eBooks 11/21/14 Simply click the links of the ones you want to download and save them to your Kindle, computer, or tablet. Keep in mind these are free at the time of posting and prices can change at any time so please double check the price prior to […] The post List of 10 FREE eBooks 11/21/14 appeared first on Bargains with Brittanie.
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    The Simple Money Blog

  • Credit card tips: what you need to know

    Angela and Kirby
    10 Nov 2014 | 4:30 am
    KJ: Lists, lists, lists. There are so many out there, but we keep coming across some great ones that will help you get on solid financial footing. In this post, we focus on Bank Rate’s 10 can’t miss credit card … Continue reading →
  • How do you balance cost and quality? Is the more expensive option actually better for your budget?

    Angela and Kirby
    3 Nov 2014 | 4:30 am
    KJ: We’ve all bought something at some point because, hey, it’s cheap! Why not spend the $1 or $5 on [insert product]? What could you possibly lose? Well, as the adage goes, you get what you pay for [sometimes]. It’s … Continue reading →
  • A billionaire’s perspective on working: a three day work week?…

    Angela and Kirby
    27 Oct 2014 | 4:30 am
    AJ: Irrefutable fact: Carlos Slim knows things about making money. His estimated net worth at $83 billion pretty much speaks for itself, and it makes him one of the wealthiest individuals in the world. Carlos Slim has an interesting take … Continue reading →
  • When was the last time you reassessed your budget?

    Angela and Kirby
    20 Oct 2014 | 4:30 am
    KJ: Sometimes, it seems like money pours out of the bank account, so what better time to see if your current plan is really what is right for you at this stage in your life? It’s easy to keep coasting … Continue reading →
  • Personal umbrella liability insurance: what you need to know

    Kirby
    13 Oct 2014 | 4:30 am
    KJ: If you are like us, you’re working toward your goals. And working toward your goals (be it children’s education, retirement, or just financial independence) means saving money. Over time, you want to see that your money is protected in … Continue reading →
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    My Money Design

  • How to Become Independently Wealthy … Outside Your Job

    MMD
    17 Nov 2014 | 2:00 am
    How does someone actually get rich? Should they make more money at their jobs by working harder?  Should they take on longer hours and more responsibility … all in vain hopes of getting a better raise or bigger bonus? Is your job even really the only way how to become independently wealthy? In this post I want to dig a little deeper into what it takes to actually become “rich”.  People who have made it – whether they are in the top 100 of Forbes or even people that you know in real life – more than likely didn’t get there by running the rat race and working themselves to…
  • 2015 Maximum 401k Contribution Increases to $18,000 – How You Can Get There

    MMD
    10 Nov 2014 | 2:00 am
    If you’re one of those people who are really good at saving their money diligently for retirement, then the IRS has some good news for you next year:  The 2015 maximum 401k contribution has just been increased to $18,000 (up $500 from 2014). For those people 50 and older, the $5,500 catch-up limit was also bumped up to $6,000. I’ve personally been saving up to the 401k maximum for a while now and am looking forward to bumping up my contributions.  By saving so much I know that I’m not only helping my family to get closer to reaching financial freedom, but we’re also taking advantage…
  •  Niche Website Update 23 – $1,052 Income – Finally Growth for My Amazon Site

    MMD
    3 Nov 2014 | 2:00 am
    Hello again to another edition of my monthly niche website update. As many of you know this is the part of my wealth building ambitions where I charter my attempts to create more and more passive income streams that will increase my monthly income.  This is being done by building up my online business portfolio of various niche websites; each one targeting very specific strategies for making money online. October was an interesting month to say the least.  There were more surprises from Google and a few other let-downs.  But all-in-all progress wasn’t too bad.  And most importantly my…
  • How Much Should I Put in My 401k Plan? My Surprising Answer

    MMD
    27 Oct 2014 | 2:00 am
    It’s one of the most commonly asked questions of employees when they start saving for retirement: How much should I put in my 401k?  5%?  10%?  15%? Especially when you’re young (in your 20’s and 30’s) and just starting out, retirement can feel like such a long ways away.  You know that you should be contributing, but at the same time you want to enjoy your earnings and save towards other goals like a house and family needs too. To simply answer this question with “save as much as you can afford” feels too much like an easy-out.  I’ve recommended that advice to friends in…
  • Do Grades Really Matter?  What Really Counts When It Comes to Your Career

    MMD
    20 Oct 2014 | 2:00 am
    I was an A-student back in school.  I worked very hard to get them.  I knew that they were my ticket to something bigger and greater.  At least that’s what I used to believe – until I realized that the only things bigger and greater were the ones I found on my own. Don’t think that that’s true?  Then how is it that you and your colleagues can all be so diverse in your backgrounds and academics, yet you all do the same job.  You probably all get paid roughly about the same too.  In some instances the people who did worse in school are the boss or actually make more than you do.
 
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    The Quizzle Wire

  • Why Paying Off Debt is Not the End Goal

    Carrie Smith
    22 Nov 2014 | 6:00 am
    For many of us, being debt free is the end goal, the final step towards our journey of financial freedom. But we don’t give much thought to what life after debt will look like. When we imagine what our life will be like after paying off all your debts, it goes something like this; you’re hanging out on a beach somewhere, celebrating debt freedom, and able to buy anything you want. While this may come true some day, you’ll quickly learn (as I did) that reality is not quite as realistic as your dreams. Paying Off Debt is Just the First Step Setting a goal of being debt free, and…
  • 3 tips for managing money as an unmarried couple

    Miranda Marquit
    21 Nov 2014 | 6:00 am
    With the marriage age rising, and with many partners living together for years (and even having kids together) before deciding to tie the knot (if the knot is ever tied at all), it’s increasingly important to talk about money, and to figure out how to manage money as an unmarried couple. Here are 3 things to think about as you manage your money as an unmarried couple: Keep Some Finances Separate You need to set up a banking system that works well for your situation, but it makes sense to keep some aspects of your finances completely separate — especially if you don’t live together…
  • 4 weird reasons your credit score is low

    Miranda Marquit
    20 Nov 2014 | 6:00 am
    It can be frustrating to find yourself with a low credit score. If you’ve been using credit responsibly, it can be quite shocking to look at your score one day and see that it’s not as good as hoped. This happened to my husband and me once. We were applying for our mortgage several years ago, and we were surprised when my husband’s score was about 20 points lower than expected. After going through a three-bureau report with the mortgage lender, we discovered that the culprit was the fact that he had several duplicate accounts reported on his reports, some of them with inaccurate balance…
  • 7 financial moves to make before the end of the year

    Miranda Marquit
    19 Nov 2014 | 6:00 am
    If you’ve looked at a calendar recently, you know that the year is drawing to a close. Before you run out of year, it’s a good time to make a few financial moves. The right actions now could mean a better financial start to the coming year. Here are 7 financial moves to make before the end of the year: Run a rough estimate of your taxes Do you have an idea of what you will owe next April 15? “The first thing I recommend to everyone is to run a rough estimate of your taxes,” says Kate Horrell, a finance educator and writer at KateHorrell.com and Military.com. She points out that…
  • Forgotten Expenses That Can Bust Your Budget When Purchasing a New Home

    Melissa Batai
    18 Nov 2014 | 6:00 am
    When my husband and I moved across country, we struggled to decide if homeownership in our new location was worthwhile.  On the surface, homeownership looked like a great deal.  After all, in the city where we now live, paying monthly rent on a house is equivalent if not more expensive than paying a monthly mortgage. People we asked for advice commonly answered, “Why not go ahead and just buy the house?  At least you’ll be putting your money in an investment rather than just throwing it away every month.” However, the decision isn’t as simple as that. There are a…
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    Credit Card Insider - Research, Discover and Compare Cards » InsiderCredit Card Insider - Research, Discover and Compare Cards

  • Review of the Walmart Credit Card and Walmart MasterCard®

    Brendan Harkness
    18 Nov 2014 | 10:07 am
    Walmart offers two credit cards for general consumers: the Walmart Credit Card and the Walmart MasterCard®. The first can only be used at Walmart, while the second can be used anywhere MasterCard is accepted. These cards offer special financing for large purchases, as well as cash back for certain purchases. The Rewards Check out our picks for […] The post Review of the Walmart Credit Card and Walmart MasterCard® appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Never, Ever Do These 5 Things with Your Credit or Debit Card

    Kimberly Rotter
    18 Nov 2014 | 6:40 am
    If you have a credit or debit card in your wallet, don’t take its value for granted. Protect it. Treat it like the confidential identity document that it is. Already in trouble? Learn what to do right now if your card number has been stolen Here, we’re not talking about financial mistakes – falling into […] The post Never, Ever Do These 5 Things with Your Credit or Debit Card appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Negotiating A Debt Settlement With Collection Agencies And Credit Card Companies

    John Ulzheimer
    14 Nov 2014 | 4:30 am
    One of the most troubling financial mistakes people make is the abuse of credit cards, often ending with excessive credit card debt. Credit card debt usually starts out innocently enough. You use your card, justify the purchases and promise yourself that you’ll pay it off quickly. The problem begins, however, when you charge so much […] The post Negotiating A Debt Settlement With Collection Agencies And Credit Card Companies appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Should I Use My Retirement Savings to Pay Off Debt?

    Kimberly Rotter
    10 Nov 2014 | 8:53 am
    Check out our Q&A Video on keeping your credit scores high throughout your retirement Retirement savings have appeal right up until the moment we actually start to plan to retire, at which time too many of us lament that we don’t have a bigger nest egg. In the long run up to eligibility, the retirement […] The post Should I Use My Retirement Savings to Pay Off Debt? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Q&A Video – What Is The Difference Between Chip-and-PIN and Chip-and-Signature?

    John Ulzheimer
    7 Nov 2014 | 10:55 am
    Cards with Chip technology are becoming more popular, enhancing the security and usability of these cards. They use EMV technology to replace the traditional magnetic stripe on credit cards. Learn more in our video with credit expert John Ulzheimer. See all of John’s Q&A videos or ask us a question yourself! Transcript Hi I’m John […] The post Q&A Video – What Is The Difference Between Chip-and-PIN and Chip-and-Signature? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
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    SideHustle HQ

  • Starting a Chimney Sweep Business on the Side

    SideHustleHQ
    15 Nov 2014 | 3:45 pm
    For many entrepreneurs, the home improvement and maintenance niche offers some of the most lucrative opportunities. Chimney sweeping is one sector that’s begging for exploitation. A low barrier to entry and high profit margins make it an extremely attractive line of work. As more and more homeowners look to ditch the grid in any way possible, chimneys are seeing a lot more use these days. Using the following tips as a rough business blueprint, anyone can launch a fruitful chimney sweep company. Do Your Market Research Though chimney sweeps are a rarity in many areas, you’ll need…
  • Jim Nantz: He’s Found His Calling Once Again

    SideHustleHQ
    12 Nov 2014 | 11:41 am
    Since the 1990’s Jim Nantz has excelled at his dream job as a sportscaster for the NFL, NCAA and the PGA Tour. The Emmy award winning, five time National Sportscaster of the Year has now found a second calling.  In 2009, Nantz and his co-founder Peter Deutsch, partnered to create, The Calling , a company that produces handcrafted wines. The Calling Wines include a Cabernet Sauvignon, Chardonnay, Pinot Noir and others. Prices per bottle start at $32. In a CBS interview, Nantz stated “This was an opportunity to try to take something that I taught myself, a level of expertise and…
  • Beyonce’s Moves to Run the Business World

    SideHustleHQ
    8 Nov 2014 | 11:25 am
    Superstar, Beyonce, is partnering with British multinational retailer, Topshop,  to create an athletic streetwear line. The new brand will include clothing, accessories and footwear.  Beyonce’s company, Parkwood Entertainment, founded in 2008  and Topshop, part of the Arcadia Group, controlled by Sir Phillip Green, will join forces to create Parkwood Topshop Athletic Ltd. The products are expected to be available for purchase by the Fall of 2015. Beyonce’s side hustle success also includes creating perfume fragrances.  Three fragrances have been launched so far, Heat in 2010…
  • Kim Kardashian Dominates the Side Hustle Scene

    SideHustleHQ
    3 Nov 2014 | 11:05 am
    Kim Kardashian is practically a  household name and known for her prominent role in the E!’s series Keeping Up with the Kardashians. She’s made multiple guest appearances in TV shows, including How I Met Your Mother, America’s Next Top Model, and CSI: NY. She’s also had roles in Beyond the Break, Dancing with the Stars, and Drop Dead Diva. With all of her celebrity success, many may not think of Kim Kardashian as a businesswoman. However, she has had tremendous business success. Many of her side projects revolve around beauty, with perfume, clothing, and jewelry lines. Her first side…
  • Boost Your Side Business with Passive Income Sources

    SideHustleHQ
    29 Oct 2014 | 6:36 am
    Running a side business can be a handful for even the most seasoned entrepreneurs. Becoming a small business success story rather than a grim statistic takes smarts, planning and commitment. As such, savvy side business owners should look for passive streams of income to have some sources of revenue  that don’t involve trading dollars for hours and to gain an edge over the competition. Whether you’re an organic farmer, a party planner or a jewelry designer, the following passive income streams are worth considering. Monetize Video Content For physical and digital businesses…
 
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    Covenant Trust Company

  • The 4% rule during retirement

    Covenant Trust Company
    12 Nov 2014 | 6:29 am
    The cover story in the October 2014 issue of the Journal of Financial Planning was on the “4% Rule.” This rule of thumb for a safe retirement withdrawal rate was first suggested by financial planner Bill Bengen in his article “Determining Withdrawal Rates Using Historical Data,” published 20 years ago in October, 1994. Bengen, who […]
  • Remembering former CTC president, Chuck Walles (1938-2014)

    Covenant Trust Company
    23 Oct 2014 | 8:59 am
    The following was written by Patty Conrad, retired corporate secretary of Covenant Trust Company. When President Emeritus Chuck (“Only my mother used to call me Charles.”) Walles joined Covenant Estate Planning Services/Covenant Trust Company in 1991, he brought his entrepreneurial business leadership and experience of service in the United States Coast Guard to his new […]
  • After a long period of calm, volatility may be back

    Covenant Trust Company
    16 Oct 2014 | 12:11 pm
    Since the beginning of October concerns about signs of weaker growth abroad have outweighed positive US corporate earnings reports and global stock market volatility has gone extreme. The Dow Jones Industrials saw triple-digit swings several days in a row that wiped out all of the index’s year-to-date gains. This volatility sent investors once again seeking […]
  • Four simple ways to save

    CTC - Ruser Saldaña
    24 Sep 2014 | 1:30 pm
    Jean Chatzky (financial editor for the “Today” show) thinks saving money is simple. At least theoretically. And theoretically, I agree. It’s like losing weight: if you want to drop a few pounds, you must burn more calories than you consume. Similarly, to save money, you need to make more money than you spend. However, we […]
  • CTC tips: calculating debt

    Covenant Trust Company
    17 Sep 2014 | 9:33 am
    According to Nerd Wallet, the national average credit card debt is $15,607; the average mortgage debt is $153,500; and the average student loan debt is $32,656. Even if your debt isn’t as high as these averages, it can still wreak havoc on your finances. Perhaps your debt payments are affordable. However, that doesn’t mean you’re in a financially healthy situation. […]
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    Debt Consolidation USA

  • Study Shows That Men Are Better Than Women At Credit Card Management

    Lizzy Bale
    20 Nov 2014 | 2:50 am
    Credit card management is such an important skill to learn. Financial management in general will help you through a lot of important decisions about your money. But when it comes to you credit cards, you may want to learn how to manage it specifically. These cards are tough to live without. It is true that […] The post Study Shows That Men Are Better Than Women At Credit Card Management appeared first on Debt Consolidation USA.
  • It’s Time to Retire: Retirement Factors

    Simi Mira
    15 Nov 2014 | 5:11 am
    It is time to retire! You are ready to use your retirement funds that you have worked years and years to build for this moment. However, your retirement fund papers give you a lot of information except for a few key retirement factors that will benefit you greatly in your retirement. Continue reading for more […] The post It’s Time to Retire: Retirement Factors appeared first on Debt Consolidation USA.
  • Do You Have Your Holiday Spending Strategy Yet?

    Lizzy Bale
    13 Nov 2014 | 5:09 am
    Do you want to stop debt from piling up this holiday? That’s easy! You just have to come up with a holiday spending strategy! Although it is already November, there is plenty of time for you to think of a plan that will keep you from having holiday debt when the New Year comes around. […] The post Do You Have Your Holiday Spending Strategy Yet? appeared first on Debt Consolidation USA.
  • Information on Tax-Free Savings Accounts

    Simi Mira
    6 Nov 2014 | 9:47 am
    Owning a savings account is very beneficial for saving money. You are able to manually place funds into the account, or have funds automatically drafted when each of your paychecks is deposited in the account. However, most are not aware that some savings accounts require that you pay certain taxes on whatever interest is earned […] The post Information on Tax-Free Savings Accounts appeared first on Debt Consolidation USA.
  • Fannie Mae and Freddie Mac, Boom or Bust?

    Simi Mira
    30 Oct 2014 | 3:07 am
    Fannie Mae and Freddie Mac are the two major companies in the mortgage industry of the United States. Whilst almost everyone will have heard of them, there are not that many that understand what they do and what a vital role they play in financing American homeownership. There are few that understand the potential risk […] The post Fannie Mae and Freddie Mac, Boom or Bust? appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Haven’t saved a penny for the Holidays? Here are 5 tips to make up for it in 1 month.

    Kate Swenson
    17 Nov 2014 | 7:09 am
    The holidays come with a cost, and it’s not just the gifts…It’s meals, decorations, travel, donations, etc.  Because of this, how many of us promise ourselves…”I am going to save for the holidays” then all of sudden it is October, the holidays are right around the corner, and you haven’t saved a dime?  Sound familiar… me too. The good news is there are a few ways that we can make up for lost time. Here are some tips to make up for that lost time in 1 month, and keep you from paying for the holidays into 2015! Give it up! Find something in your life that you can go a…
  • 10 Signs You May Be In Credit Trouble

    Kate Swenson
    27 Oct 2014 | 11:26 am
    Is your debt stressing you out? Do any of these sound like you? Charging more each month that you make in payments. Paying only the minimum amount due on your credit cards. Using credit and cash advances for items that used to be purchased with cash, like gas and groceries. Having a total credit balance that rarely decreases. Being at or near your credit limit and applying for new cards. Needing a consolidation loan to pay existing debt. Not knowing the total amount you owe. Never opening your mail or answering the phone in fear of debt collectors contacting you. Making late payments…
  • YOUR FIRST APARTMENT! FIVE WAYS TO BE PREPARED

    Kate Swenson
    13 Oct 2014 | 12:58 pm
    My 23 year old daughter just moved into her first apartment with friends.  As they were looking at and considering apartments, she asked for advice on various aspects of the process.  I wasn’t much help—I haven’t moved in 35 years!  (I bought my house when I was 12!)  So, I learned with them about renting an apartment. CHOOSE YOUR ROOMMATES WELL You and your roommates will be equally liable for the whole rent, not just your portion.  Are your prospective roommates employed?  Dependable? Choose roommates with a similar lifestyle.  Are you an early riser and your roommates night…
  • Confessions of a Financial Counselor

    Kate Swenson
    8 Oct 2014 | 12:16 pm
    As a Financial Counselor, most people I see in my office are people that are stressed by debt.  I see a huge range of people: 5 digit monthly incomes to 3 digit; single folks to married couples with several children; recent immigrants to those whose people go back to the first bipeds on this continent.  And everyone in between.  Their debt spans a broad range, too:  An unnoticed $118 medical bill that went to collections to $98,000 in credit cards. The anxiety people have about seeing a financial counselor for their debt can fill the office.  Some express it out loud: “I was so afraid…
  • The Green Tomato: The Fruit That Keeps on Giving

    Kate Swenson
    6 Oct 2014 | 7:14 am
    It’s been a good garden year for me.  I’ve supplied my household, friends, family, passersby, and the local food shelf with a variety of beautiful, fresh, organic produce.  I couldn’t even begin to calculate the dollars saved.  (Add in the physical and environmental benefits of gardening and the economic payback rises significantly.) It is early October and the first frost has yet to hit the Twin Cities in Minnesota.  I’m still harvesting summer squash, tomatoes, greens, herbs, peppers, and more.  When frost is finally in the forecast (any time now!) you will find me in the…
 
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    Minting Nickels

  • Why Do Companies Need Barcode Printing Software?

    Justin
    2 Nov 2014 | 6:07 am
    If you take a closer look at all the products that you can find on the supermarket shelves, you will realize that all these goods have UPC barcodes printed on their packaging. Where do these barcodes come from and why are they printed on all the products that you can find in retail stores? UPC is an acronym for “Universal Product Code”. Initially, UPC barcodes were introduced to accelerate the checkout phase in supermarkets and simplify inventory management. Due to their incredible effectiveness and accessibility, barcode systems have gradually been adopted and utilized on a larger scale,…
  • Gaming Can be a Great Hobby

    Justin
    23 Oct 2014 | 8:11 am
    In today’s fast paced environment it’s easy to get “too busy”, almost to the point where it’s nearly impossible to find time for yourself. Personally, I work plenty of hours in a stressful job, and it’s difficult for me to find the time and ways to relax and unwind. When I do find activities they tend to cost a lot of money which inadvertently adds more stress to my life. The trick is to find those hobbies that let you relax and recharge your batteries, while also allowing you to avoid breaking the bank. Below I will list some fun hobbies and activities that won’t cost you a…
  • Top 4 Reasons You Shouldn’t Purchase a Home Yet

    Justin
    11 Oct 2014 | 6:59 am
    It goes without saying that one of the biggest purchases an adult will have in their life is the purchase of a new home. When it comes to buying a new home, timing is very important as well as being financially and emotionally ready. The problem is that, when emotions are thrown in, sometimes people make decisions that are not financially sound, and purchase a home that they aren’t ready to afford. The  fact is, there are at least 3 very good reasons that a person should not purchase a new home, even if they feel that they are ready to do so. Those 3 reasons are below. Enjoy. Reason #1:…
  • The Inclusive Wealth Index: A Better Way to Measure Economic Growth

    Justin
    10 Oct 2014 | 11:00 am
    In the second quarter of 2014, GDP in the U.S. increased by 4.6 percent, causing politicians and pundits to insist that the American economy is improving. Unfortunately, many Americans don’t feel like their lives are getting better. Home values in the U.S. still lag far behind their pre-2008 levels, and wage growth for middle and low-income Americans is stagnant. As a result of what’s happening in America and in many other countries, more economists and social scientists question whether a country’s GDP accurately measures its economic prosperity. The United Nations proposed a new…
  • How to Compare Burial Insurance Companies

    Justin
    24 Sep 2014 | 5:34 am
    Some people choose to purchase burial insurance. This insurance is designed to only cover burial expenses and not additional estate or medical expenses. The cost of burial insurance varies by state and by provider as some include more services than others. It is important that you take the time and compare the differences between each company. Use the information below to find the best burial insurance provider for your expected needs. Search among Leading Insurance Companies Always search with the most reputable companies first. This includes companies such as State Farm, Lincoln Heritage,…
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    Debt RoundUp

  • Quizzle Review – Check Your Equifax Score for Free

    Grayson Bell
    21 Nov 2014 | 10:02 am
    In this day and age, no one should be without access to their credit profile.  Your credit score and report is a huge part of your financial life.  I don’t care who you are, a good credit score is more than just getting a lower loan rate.  Not only are your rates lower, saving you money, but having a good score gives you access to many different things.  It’s not just about money, it’s also about getting rentals and even a job.  Just remember that when people tell you a credit score doesn’t really matter. It does! There are a number of good places to get your…
  • The Busy Family’s Plan for Budget Management

    Grayson Bell
    21 Nov 2014 | 2:13 am
    Happy Friday everyone!  I hope you have a good upcoming weekend. Here is a post from Russell Matthews, who is a personal finance consultant. A busy mom and dad don’t have time to allocate toward budgeting with pen and paper.  An automated system saves time as well as helps identify ways to save money and stay alert about income and expenses. A successful family maintains a healthy budget.  Here’s how to stay aware and be smart about your family’s financial plan. It Saves Time Imagine a librarian did not have the Dewey Decimal or automated bookkeeping systems.  How would he/she…
  • Consumerism is Destroying Christmas! We Have Lost Our Holiday Spirit

    Grayson Bell
    20 Nov 2014 | 6:18 am
    I love the holidays just as the next person.  The cold weather (love it), the Christmas decorations, and the time off from work.  The best part about the holidays is being with friends and family, catching up on what we have missed when our lives won’t let us get together as much as we should.  The holidays have always been something special for me.  I used to really enjoy spending time setting up decorations with my mom and baking holiday treats. Yes, men can bake.  Don’t even go there!  I would help my mom every year put up the decorations and the tree. We would spend…
  • Save Money By Cutting So-Called Fixed Expenses

    Mike Collins
    19 Nov 2014 | 2:07 am
    When most people look to trim their spending they tend to look only at variable expenses such as groceries, entertainment expenses, and their morning cup of coffee.  While those are all great places to reexamine your spending habits and save money, you’re missing out on some serious savings if you don’t also reevaluate your fixed expenses. But can you really adjust your fixed expenses?  Don’t they call them “fixed” because they are set in stone? Of course not!  If you think about it there are ways to trim just about any “fixed” expense you have.  Here are some examples:…
  • Credit Card Protection: 18 Tips to Help Keep Your Money Safe

    Grayson Bell
    17 Nov 2014 | 2:06 am
    A frequent reader of Debt Roundup wanted to share these great credit card protection tips with everyone.  The reason is her friend had some issues with credit card fraud and thought people should be more careful with how they use them.   Since I’m a fan of credit cards for their protection, I thought this post would be good to have on the site for anyone to see.  Enjoy the read and let me know if you have any more tips to protect against credit card fraud. Credit cards have become so ingrained in our society few of us could imagine life without them. Unfortunately, they aren’t…
 
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    Phroogal Blog

  • 9 Items NOT to Buy on Black Friday

    Valencia Higuera
    20 Nov 2014 | 4:28 am
    Black Friday is a week away, and if you’ve never been able to resist a deal, you might be saving your pennies and plotting your strategy for the biggest shopping day of the year. But although many retailers will offer significant discounts on everything from clothes to household goods, you might be surprised to learn that some items aren’t worth buying on Black Friday. This doesn’t mean you won’t find discounts for these items, but depending on what you’re looking for, you might do better shopping at other times of the year. Here is a list of nine items you…
  • Manage Money: Should you pay yourself first?

    The Phroogal Jason
    19 Nov 2014 | 4:15 am
    Here is a horrifying truth…no one will save money for you. Ok, maybe you are one of the lucky few that had a family or loved one save money for you. If you aren’t saving money for yourself, than who is? If the answer is the government or your employer than I’m glad you’re reading this today. It’s important that you start saving money today and not tomorrow. Many people will say they’ll save money when they get the raise or save the money from a bonus payout. The reality is that most won’t save money in either situation because of “lifestyle…
  • How to Get Out of Debt and Remove the Ball-and-Chain Forever

    The Phroogal Jason
    13 Nov 2014 | 4:27 am
    Debt is a ball-and-chain that prevents us from living our dream lifestyles. Whether you have a mountain of student loan debt or mounds of credit card debt, the feeling of being shackled to these obligations is a frightful one. Debt can cause stress impacting health and can even complicate relationships. When we’re in debt it’s hard to take responsibility and easier to push the blame to the creditors for their high interest rates and fees. However, credit isn’t the problem rather it’s our relationship with credit that led to debt. Debt is the result of our actions. Now, with that out…
  • What Happens When She Makes More?

    The Phroogal Jason
    10 Nov 2014 | 5:33 am
    I made a decision some time ago that I wouldn’t publish reviews of books on the Phroogal Blog but this is a topic that merits discussion. I’ve been corresponding with Farnoosh Torabi, author, speaker, financial guru and television personality from the Today Show. I had the opportunity to meet Farnoosh during a conference in New Orleans and got a signed copy of her book, “When She Makes More – 10 Rules for Breadwinning Women.” After the conference I headed off to the Bahamas and with plenty of time on a ship, I cracked open the book. You can imagine some of the off handed…
  • Friday Five: 5 Millennial Reasons to Choose a Credit Union

    The Phroogal Jason
    7 Nov 2014 | 8:04 am
    Credit unions and millennials share many of the same values. It’s actually the perfect time for credit unions to take the center stage but many millennials are still left wondering what are credit unions all about. The unfortunate reality (and I’m guilty of this myself) is the industry’s strong focus in differentiating credit unions from banks essentially lumping credit unions as part of the financial establishment. In a recent study of 10,000 millennials, the results revealed that four of the most hated brands were banks. So can credit unions win your relationship? Millennials should…
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    Student Debt Relief | Student Loan Forgiveness

  • Co-Signing a Student Loan – A Parents Dilemma

    Kevin Findley
    30 Oct 2014 | 7:30 am
    Co-Signing a Student Loan – A Parents Dilemma In 2009, 27 year old Lisa Mason died suddenly from liver failure. She had graduated two years earlier from Nursing School, quickly found work and began paying off her private student loans on time and without fail. After her death, while her parents had barely begun to grieve, the first call from one of the […] The post Co-Signing a Student Loan – A Parents Dilemma appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Are Student Loan Defaults Going Down?

    Demetrios Sourmaidis
    15 Oct 2014 | 7:08 am
    Are Student Loan Defaults Going Down? Last month, the Education Department released its annual report on federal student loans in default showing results that makes everything look A-OK!. This is the Three-Year Cohort Default Rate and on the face of it, the news is very good. The rate for students going into default on their federal loans in 2011 is 13.7 […] The post Are Student Loan Defaults Going Down? appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Predatory Student Loan Lenders Sued In Illinois Court

    Demetrios Sourmaidis
    2 Oct 2014 | 11:19 am
    Predatory Student Loan Lenders Sued In Illinois Court In September, the Consumer Financial Protection Bureau filed a lawsuit with the Northern Illinois District Court against Corinthian Colleges Inc. In it, they accuse the corporation, made up of for-profit colleges Everest, Heald and Wyotech, of predatory student loan lending, illegal collection practices and misleading potential students about job prospects and placement after graduation. In […] The post Predatory Student Loan Lenders Sued In Illinois Court appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Looming Student Loan Debt Crisis Creeps Closer

    Demetrios Sourmaidis
    27 Aug 2014 | 11:55 am
    Looming Student Loan Debt Crisis Creeps Closer According to data released this month from the Department of Education, the looming student loan debt crisis appears to be getting closer. Over half of all Direct Loans are now behind on their repayment schedule. This isn’t a small number, as Direct Loans make up the largest percentage of federal student loans. Increased Debt, Decreased […] The post Looming Student Loan Debt Crisis Creeps Closer appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Which Student Loan Consolidation Company To Choose

    Demetrios Sourmaidis
    11 Aug 2014 | 6:00 am
    Which Student Loan Consolidation Company To Choose Many companies in the business of helping students and parents through the student loan process are legitimate. They work hard to find the best options for their clients in securing and then repaying their federal student loans. These companies will work in the best interest of their clients, who in many cases are stuck with […] The post Which Student Loan Consolidation Company To Choose appeared first on Student Debt Relief | Student Loan Forgiveness.
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    iMoney.ph

  • Get One Step Closer To Your Dreams With A Personal Loan [Infographic]

    imoney
    20 Nov 2014 | 6:29 pm
          Getting a personal loan is one of the best ways for you to fund your needs. It’s easy to apply for one: just have a valid ID and proof of income — you don’t need anything else. Approvals are relatively fast, so you can get your money quicker. They’re also a great way to pay for large expenses that require immediate payment, because you can spread out the cost of the purchase at a schedule more friendly to your wallet. So what can you use a personal loan for? Well, pretty much anything you need or want. In this infographic, we lay out how a personal loan can…
  • 6 Creative DIY Christmas Gift Ideas That Fit Your Budget

    imoney
    19 Nov 2014 | 5:53 pm
    Finding the perfect gift for your loved ones for Christmas is hard. Things are either too expensive, too useless, or too generic. Does anybody really need yet another fruitcake that they’re not going to eat? And do you really want to fight people at the packed malls for presents? Thankfully, there are thoughtful ways you can show your appreciation for the ones you love that are also kind to your bank account. These DIY Christmas gift ideas are simple, inexpensive, creative, and add a personal touch that make your presents extra special. Here are some picks that will leave your recipients…
  • 5 Starter Credit Cards For The Credit Card Newbie

    imoney
    19 Nov 2014 | 12:56 am
    If you don’t already have a credit card, trying to get one is a real pain in the neck. So many cards have so many requirements which can be daunting for the credit card newbie. What’s a person with a sub-P200,000 annual income and no credit history supposed to do? We’ve compiled five of the best starter credit cards in the Philippines for you. These cards don’t require a high annual income, have low annual fees (and all of them give you the first year for free), and charge reasonable interest rates monthly. With these starter credit cards, you can begin building a good credit history,…
  • Take Power Over Your Credit Card Spending [Infographic]

    imoney
    19 Nov 2014 | 12:54 am
          So you want a credit card. You’ve done your research, figured out how much you can spend, and you plan to pay off your bill in full every time. But what if something happens and you can’t pay in full for one month? You might be afraid to use your card at all after that because you’re worried that interest will be stacked on your leftover balance AND your new purchases, too. Thankfully, there’s a way to lessen the burden on you and your wallet. Simply choose the card that calculates interest differently, and you’ll pay less interest. In this infographic, we…
  • 3 Smart Financial Moves to Make in Your 20s

    imoney
    16 Nov 2014 | 7:33 pm
    There’s no better time to get your financial house in order than in your 20s. It’s the perfect time to develop good financial habits that will serve you well in the future, as you prepare to be financially independent and secure. Financial decisions you make early on can affect your financial life in a permanent way. But what steps can you take now that will result in the most payoff later in life? Follow these 3 smart financial moves to make in your 20s, so that your future self (and your bank accounts) will thank you. Smart Move #1: Balance debt payments and savings. A lot of people…
 
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    Find Your Balance

  • What You Need to Dispute a Credit Report Mistake

    balanceblogwriter
    21 Nov 2014 | 5:01 pm
    Have you ever found a mistake on one of your credit reports? If so, you’re familiar with the feelings of anger and injustice that come with discovering you’re being accused of something that isn’t true. Translating your motivation to fix the false information into a successful dispute takes more than just a sense of unfairness though—it requires specific steps to remedy the problem. Here’s what you need to get on the “fact track.” Get updated credit reports To start with, there are many different kinds and sources of credit reports. While there are three main credit bureaus that…
  • Upromise Offers Education Savings Options

    balanceblogwriter
    14 Nov 2014 | 1:46 pm
    Financial resources can be a challenge when it comes to paying for education, whether that means setting aside money for a child’s future expenses or paying for schooling you’ve already received. Luckily, there is a way to stash cash for educational expenses without sacrificing your other financial needs. What is Upromise? Upromise is similar to a credit card reward program – you get cash back for making purchases. However, the difference is that the rewards you earn shopping with participating companies can be directly linked to saving for a child’s future college bills, paying down…
  • The Slowdown 6: Avoiding Home Purchase Delays

    balanceblogwriter
    31 Oct 2014 | 10:55 am
    No one wants to have a long, drawn-out home buying process. But if you’re the kind of person who sees every month spent not in a new home as weeks of equity lost, you’re even more motivated to finish the purchase in a timely manner. While it’s not a great idea to rush into a new house, there are steps you can take to make the journey as efficient as possible. The roadblock: Not having a real estate agent While some may advise you to forego a real estate professional in an attempt to save money, doing so may cost you both money AND time. An agent who is experienced in working with local…
  • Tax Information Checklist

    balanceblogwriter
    29 Oct 2014 | 10:48 am
    One of the most frustrating things about preparing for tax filing is tracking down all the supporting documentation you’ll need for the IRS forms. In a perfect world, you’d have all this paperwork in one folder, ready to be processed. However, if you’ve got it spread across several locations, use this checklist to make sure you’ve got all your ducks in a row. Social Security or Tax ID number Copy of last year’s return Tax preparation expenses from previous year Past overpayment applied to current year’s taxes Taxes paid with filing of extension W-2s Business income Interest income…
  • Exercising Your Right To Better Finances

    balanceblogwriter
    27 Oct 2014 | 10:48 am
    “Financial fitness” is a popular phrase used to emphasize the importance of healthy money habits. But it might just be more telling than you ever imagined. More and more evidence is piling up that there is a link between working out regularly and making the most of your money. Stress relief First, make a list of the types of purchases you most regret afterward. Next, write down next to each buy the emotional state coinciding with your poor spending choice. Chances are that feelings like anxiety, agitation or worry are closely linked to your problem purchases. As it turns out, these are…
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    Gajizmo

  • Jobs That Require No Experience

    Gary
    19 Nov 2014 | 3:15 pm
    If you are fresh out of school, looking for a job, or in the midst of a career change, but have no job experience on your resume, finding a high paying job may seem difficult. Many available jobs require X years of education or experience, and you may find yourself falling into the paradoxical “need a job to get experience – need experience to get a job” trap. There are, however, many jobs that don’t require any experience and even offer on-the-job training to give you the boost you need to excel in that industry. They may not be glamorous careers or even offer the best…
  • How To Make Your Resume Stand Out

    Gary
    6 Nov 2014 | 2:18 am
    Your resume is the key to winning an interview. Statistically, hiring managers and human resource coordinators spend 10 to 20 seconds reviewing your resume. In that time period, you need to make your resume stand out from the other 100 they’ve received and warrant a follow-up call to learn more about you. In a competitive market, you have to design a resume that will make it through the different screening processes and onto the hiring manager’s desk. Connections, relationships and networking can help, but ultimately your resume is the most important marketing tool you have and should…
  • How Much Car Can I Afford?

    Gary
    20 Oct 2014 | 2:01 am
    Let me preface this article by saying: don’t be one of those people in the grocery store who pays with EBT or food stamps (there is nothing wrong with social welfare) and then puts their groceries into a Range Rover or Cadillac Escalade (there’s something really wrong with that). Alternatively, don’t drive around with a Bentley and then pull up to a rent-controlled apartment. Just a few recent observations that partially fueled the creation of this post. With the US auto industry still in recovery mode from recent years of poor sales, now could be a great time to buy a new or used car…
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    Personal Finance AdvicePersonal Finance Advice

  • Top Reasons to Choose a Community Bank

    Chris Bibey
    14 Nov 2014 | 6:22 am
    With the popularity of online banking on the rise, a growing number of people are turning away from community banks and setting their sights on national institutions. While there is nothing wrong with considering this idea, you don’t want to make a change until you thoroughly compare the pros and cons of both options. Here are three of the top reasons to shun national banks for one in your local community: 1. Higher level of customer service. This may not always be the case, but most people agree that they get better service from a local bank than one that is doing business from one side of…
  • Are you making these Retirement Saving Mistakes?

    Chris Bibey
    24 Oct 2014 | 6:45 am
    Regardless of your age, income, or financial related goals, you likely understand the importance of saving for retirement. While some people have a defined plan, others continue to lag behind, wondering what they should and should not be doing. By eliminating common mistakes, you can quickly alter your approach and find yourself on the path to a better future. Here are three retirement saving mistakes that have sunk many before you. Are you going to avoid these? 1. Not starting early enough or playing catch-up. The sooner you start saving for retirement the better off you will be. Even if you…
  • How are you Going to Save this Holiday Season?

    Chris Bibey
    17 Oct 2014 | 6:48 am
    With the holiday season right around the corner, retailers are beginning to ramp up in anticipation of what is sure to be an exciting time once again. Although you still have plenty of time to purchase gifts for those special people in your life, there is nothing wrong with getting an early start. Like most, you probably have a budget for holiday gifts. As long as you know what this number is and are willing to stick to it, you will go into the new year feeling good about yourself. Here are several tips to follow if you are looking for ways to save this holiday season: 1. Don’t wait until…
  • Important Mortgage Loan Questions to Ask

    Chris Bibey
    19 Sep 2014 | 7:42 am
    There are a lot of questions to ask and answer as you search for a new home. While the act of finding a property can be downright exciting, the same cannot always be said for securing a mortgage. From local lenders to those that do business all over the country, you will be faced with many options along the way. How you make a final decision is up to you, however, there are steps you can take to improve your chance of success. Here are three mortgage loan questions to ask, regardless of which lender you are speaking with: 1. What is the best interest rate you can offer? Like most, this is the…
  • 5 Common Car Salesman Lies

    Chris Bibey
    12 Sep 2014 | 7:42 am
    Buying a car is a big decision for many reasons. Not only is this the vehicle that will get you around, but it will have some sort of impact on your finances. For this reason, you never want to make a decision until you are 100 percent comfortable with exactly what you are getting. Unfortunately, this is easier said than done because some car sales people don’t have your best interest in mind. Instead, they want nothing more than to make a deal, even if it means you are unhappy in the end. Here are five common lies that you need to be aware of: 1. The car is waiting for you. There is…
 
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    Mad Fientist

  • After-Tax Contributions and a Surprise Gift from the IRS

    The Mad Fientist
    20 Nov 2014 | 8:22 am
    Isn’t the IRS great? Most people imagine the people at the IRS as stuffy, grey-suited, money-grubbing villains but I see things differently. I imagine a bunch of sexy, lab-coated fientists cooking up interesting ways to help us retire even earlier. Since they are like us, they understand the enjoyment we get out of solving complex problems and they cater to our desire to prove our intelligence by setting convoluted rules and giving conflicting guidance. Sometimes, however, when things are particularly fuzzy and even the best financial minds are unable to agree on an appropriate…
  • Empire Flippers – Buying and Selling Websites

    The Mad Fientist
    22 Oct 2014 | 3:22 am
    Justin Cooke from EmpireFlippers.com was kind enough to join me for an episode of the Mad Fientist Financial Independence Podcast! Justin and his business partner created a marketplace for buying and selling online businesses so today I tap into Justin’s vast knowledge about both sides of online real estate transactions and take a behind-the-scenes look into the process of online business investing. For those of you who enjoyed my interview with Billy Murphy from ForeverJobless.com, you’re going to love today’s interview because we dive even deeper into the process of buying…
  • Guinea Pig – Update #6 and Giveaway

    The Mad Fientist
    14 Oct 2014 | 8:50 am
    Welcome to the ninth month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. I’ve decided to cut back on the GP updates to once per quarter, rather than once per month, so here’s what’s been happening since the last update… The Optimized GP has maxed out his 401(k) (but left enough of a buffer so that he can continue contributing 3%…
  • Why I’m Moving My Money to Betterment

    The Mad Fientist
    15 Sep 2014 | 5:51 am
    I’ve made a big decision. I plan to transfer the majority of my taxable money to Betterment. For those who haven’t heard of it, Betterment is an online financial advisor and portfolio manager that has been increasing in popularity over the last few years. Since my decision to hand over the keys to someone else will likely come as a big surprise, I’ll start this story from the beginning. Chatting with the CEO About a year ago, I attended a financial blogger conference in St. Louis. On the first night, I was having a beer with none other than Jim Collins from JLCollinsNH.com…
  • Guinea Pig – Update #5

    The Mad Fientist
    21 Aug 2014 | 5:51 am
    Welcome to the seventh month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. It’s been another exciting month for the Optimized GP. He maxed out his 401(k) (leaving enough room to continue contributing 3% every month to get the full employer match) and he’s now moved on to his Traditional IRA. To see why he’s going with a Traditional IRA…
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    Getting Ahead, A Personal Finance News & Exchange

  • Saving on Your Thanksgiving Celebration

    20 Nov 2014 | 12:27 pm
    <img title="thanksgiving dessert" alt="thanksgiving" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/thanksgiving-dessert.jpg?sfvrsn=4" /><br /> <br /> <p>With gift giving just around the corner, you&rsquo;ll want to make every penny count this Thanksgiving. Luckily there are a lot of ways to save on everything from decorations to drinks to desserts. Here are some money-saving ideas just in time for the holiday.</p> <p><strong>Skip the Fancy Wine. </strong>For vineyards, the bottling of…
  • Seniors Struggling Across the U.S.

    17 Nov 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/seniors.jpg?sfvrsn=2" alt="senior struggles " title="seniors" /><br /> <br /> <p>Census data shows that seniors across the United States are struggling to make ends meet. Households 65 and over have an average income of&nbsp;$37,847 &mdash; or about 60 percent of their average pre-retirement income. Many financial advisors recommend retirees strive to generate at least 70 percent of their pre-retirement income to support themselves after they leave the…
  • Paying off Student Loans Early Can Lead to Big Retirement Gains

    12 Nov 2014 | 6:00 am
    <img title="student loans" alt="retirement, student loans" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/student-loans.jpg?sfvrsn=4" /><br /> <br /> In our November <em>Money Matters</em> newsletter,&nbsp;we discussed how you can amp up your savings from making biweekly loan payments by continuing to save during your "debt-free" period and dramatically improve your net worth. We used a mortgage in that example, but now we want to show you how, even with a smaller student loan, you can…
  • Space...The Final (Financial) Frontier

    10 Nov 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/live-long.jpg?sfvrsn=2" alt="Star Trek, investing" title="live long" /><br /> <br /> <p>If only we could travel through time when making investment decisions &mdash; go back and purchase Apple at $75 a share or fast-forward into the future to see if that biotech company you have your eye on makes the next big breakthrough. If only&hellip; Well, since we can&rsquo;t bend the space-time continuum, let&rsquo;s do the next best thing and transport…
  • Building Equity Is Key to Smart Home Ownership

    6 Nov 2014 | 10:10 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/building-equity.jpg?sfvrsn=2" alt="equity, biweekly payment" title="building equity" /><br /> <br /> <p>Home ownership is a big part of the American dream and something many people strive to achieve all their lives. However,&nbsp;a lot of folks are surprised by the number of additional expenses that come with owning a home &mdash; expenses beyond their monthly mortgage payment. Home maintenance and repairs, improvements and renovations, taxes that can go…
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    Rockstar Finance

  • No Touchy.

    J. Money
    21 Nov 2014 | 3:30 am
    “Today we have a quick, but extremely important, public service announcement to share with y’all. And that is: QUIT TOUCHING YOUR MONEY YOU’VE SAVED! …You do yourself no good when you stash money away at the beginning of the month, only to dip back into your savings later to pay your bills. We call that the “checking account shuffle” and it sucks ass. All it does is give you hope that you later have to take back and annoy yourself even more.” Check out this hilarious (uh thank you) post here: BudgetsAreSexy.com
  • The Hindu Triad of Budgeting

    J. Money
    21 Nov 2014 | 3:15 am
    “A typical American family could theoretically save 15% of their income on housing, 10% on transportation, and 5% on food for a combined savings rate of 30%… Simply focusing on housing alone could have a substantial impact on savings rates and working years. If there could only be one place to focus, this would be it, not only for the large savings possibilities but also for the automation potential.” Check out the full (pretty fascinating) article here: FlannelGuyROI.com
  • Why Are People So Ashamed About Inheriting Money?

    J. Money
    21 Nov 2014 | 3:00 am
    “The only reason why you’d be ashamed of inheriting your parent’s or grandparent’s money is if you DISHONOR their money by spending it frivolously on stupid things. If I ever inherit any money, I will probably set up a scholarship under their name, take care of the trees they planted, and make sure their money lasts for as long as possible. Nobody asks for an inheritance. It just happens.” Check out the full article here: FinancialSamurai.com ——- [Photo cred: Quinn Dombrowski]
  • How to Make Money Fast (Without Getting Caught In a Scam)

    J. Money
    20 Nov 2014 | 3:30 am
    “Option 1: Negotiate your bills & save money with one phone call. It’s sad that most of us are never taught how to negotiate. The truth is that most things CAN be negotiated… and we can save a ton of money doing it. What would it mean for you if you had $100 less to pay on your bills this month?… Here’s how.” Check out all of the tips here: IWillTeachYouToBeRich.com ——– [Photo cred: yomanimus]
  • Don’t Worry, Everyone Has a Car Payment

    J. Money
    20 Nov 2014 | 3:15 am
    “The worst part about this “advice” is that if people believe everyone has a car note, then what’s the incentive to pay it off? What’s the point in keeping a car that’s five years old when you could just go out and get a newer car? After all, everyone has a car payment anyway, so why should you go without one? It takes a confident person to drive around a beater.” Check out the full article here: FrugalRules.com ——- PS: This must make me REALLY confident! That’s my car up there! ;)
 
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    Doctor Of Credit

  • Increased Signup Bonus on Citi ThankYou Card

    Chuck S
    20 Nov 2014 | 4:16 pm
    [This post does not contain any affiliate links.] The Offer Direct Link Citi offers 3 versions of cards that issue ThankYou points: Citi ThankYou Preferred. No annual fee. Regular signup bonus of 20,000 points. Citi ThankYou Premier. $125 annual fee, waived first year. Regular signup bonus of 50,000; 20,000 points which can be had immediately, and another 30,000 which can be had after first anniversary. Citi Prestige. $450 annual fee. Regular signup bonus of 30,000 points. The good news is on the first option, the Citi ThankYou Preferred. Via Slickdeals, there is now a link where you can get…
  • Co-branded Credit Cards That I Wish Existed

    William Charles
    20 Nov 2014 | 3:42 am
    Most card issuers have at least a few co-branded credit cards, usually these are with travel related companies but sometimes the partnerships can be a little bit out of the ordinary. Because the large airlines and hotel chains already have agreements in place with a specific card issuer, it can be difficult if another company wants to enter the market or increase their market share. We’ve seen Wells Fargo & FNBO both trying to do just that recently, with varying degrees of success. I thought it’d be a good idea to look at some partnerships that don’t currently exist but…
  • U.S Bank Drops Restaurants As A 5% Cashback Category On Their Cash+ Credit Card

    William Charles
    20 Nov 2014 | 12:49 am
    U.S bank has made yet another negative change to their Cash+ credit card, it’s no longer possible to select restaurants as a 5% cash back category. Unlike other 5% cash back credit cards that offer rotating categories, the Cash+ card allows you to select which category you’d like to earn 5% cash back in on $1,500 in purchases per quarter. I don’t think the U.S bank cash+ card is worth applying for directly and I don’t think it ever really has been. Although you can downgrade existing U.S bank cards to this product. Because this card has no annual fee I think it’s…
  • Amex Offer: Moneymaker with $25 Off $125 at J Crew, Split-Tender Online

    Chuck S
    19 Nov 2014 | 8:40 pm
    I recently conducted a J Crew experiment, and the results are just in. J Crew Offer Direct Link Spend $125 at J Crew of jcrew.com and receive a $25 statement credit. Signup is available via Twitter by tweeting #AmexJCrew from a connected Twitter account. Offer valid until 12/24/2014. Moneymaker A physical J Crew gift card purchased at jcrew.com will trigger the statement credit. (I’m unsure about an e-gift card.) If you buy $125 J Crew gift card at jcrew.com, you’ll receive a $25 statement credit. If you sell the gift card to a reseller, you’d break-even, or possibly…
  • 2015 5% Categories for Freedom and Discover

    Chuck S
    19 Nov 2014 | 4:07 pm
    [This post does not contain any affiliate links.] Discover IT and Chase Freedom both offer 5% cash-back categories, on up to $1,500 of spend. These categories switch quarterly. They recently released the details of the coming 2015 year categories. Discover Here’s the Discover categories: Direct Link   Let’s compare that to the 2014 categories:     Q1 2015 is “Gas and Ground Transportation”. I’m excited about the gas, since you can often find gift cards at gas stations and at 7-Eleven, see Does Discover Count 7-Eleven as a Gas Station. They also…
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    moneypantry.com

  • Want Free Nike Shoes? Test Them!

    Satrap
    20 Nov 2014 | 10:49 am
    I am a big fan of product testing. Not only you get free stuff to keep, you also can help shape the products you use in your everyday life. Today, I am going to share a product testing opportunity for one of the biggest athletic clothes and shoes brand in the world. No, it’s not Adidas! We are, of course, talking about Nike. Do you regularly use or purchase Nike products? Are you an athlete who is actively involved in the sports community, or who regularly pays money towards their favored athletic activity? If you said yes to any of these questions, you should consider becoming a Nike…
  • Free Class Action Lawsuit Money: Did You Claim Yours Yet?

    Satrap
    19 Nov 2014 | 11:25 am
    I have published a few posts and lists before, concerning free money. Free money from the government where I listed 10  real ways to do it, and free money from companies where I listed over 40 companies that giveaway a combined amount of more than $4000, are two of the most popular ones. But today I am going to talk about free lawsuits, specifically class action lawsuits, money, and how you can get a share of it. Class action lawsuits, as you may know, are lawsuits that concern a company, or a corporation, and hundreds of thousands of customers. The lawsuit is proposed and the company is…
  • 4 Lazy Ways to Make Money by Leaving Your Computer On

    Satrap
    17 Nov 2014 | 10:34 am
    Crazy as it may sound, there really are ways that you can earn money from your computer without doing any work. I am not talking about earning money while playing computer games! And no, recycling your old computer, although a great option for getting some cash for an old and unused PC, is not what I am talking about here, either. I am talking about making money by simply turning your PC on and walking away! With the power of your home computer and internet connection, there are a range of software options you can employ to turn you computer into a money maker. 1. Slicify Using software…
  • These 20 Banks Are Giving Away $3880 for Opening Up an Account with Them!

    Satrap
    15 Nov 2014 | 11:10 am
    Who doesn’t like free money? We all do, which is why our massive list of 40 companies practically giving away free money ($4,327.25 combined) is one of the most popular posts on MoneyPantry. Today, we are going to talk about banks that offer free money. Ever since the economy began to downturn in late 2007, it seems as though many industries (and individuals) have been struggling to keep themselves afloat. Amazingly, even international banks fall into this “struggling,” if we are speaking relatively. One of the ways that banks have been trying to get themselves back to their…
  • Want $5000? Get a Temporary Tattoo!

    Satrap
    14 Nov 2014 | 11:12 am
    The Internet offers many opportunities for making money, but some do not find those worthwhile as they do not have the required skills or find the gains too meager to meet their demands. If you are among those and need cash badly, here is an opportunity for you: Get paid to advertise on your body! Let advertisers use your skin for promoting their products and businesses, and pay you a reasonably good amount of money. Yes, temporarily having tattoos on your skin allows you to make money! Using Your Body as an Advertising Billboard Advertising agencies are always on the look out for novel ways…
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    CompareHero Malaysia

  • INFOGRAPHIC: Get a Personal Loan in Malaysia in 9 Steps

    CompareHero
    21 Nov 2014 | 1:56 am
    Looking for some extra cash for a large expense? Many banks in Malaysia allow clients to sign up for personal loans, which can be used for almost anything. Want to apply for a personal loan? The infographic below walks you through some of the basic steps in applying for a personal loan from banks in your area.     Share this Image On Your Site <p><strong>Please include attribution to http://www.comparehero.my with this graphic.</strong></p><br /><br /><br /><br /> <p><a…
  • Love Road Trips? 9 Best Smartphone Apps for Drivers

    CompareHero
    20 Nov 2014 | 5:00 pm
    The cars that roll off today’s car dealers are way different from the cars that came out ten years ago. While a CD player in the car was a common thing back then, that has given way to Bluetooth-capable speakers that can play your music straight from your smartphone. Your smartphone is not just good for streaming music straight to your speaker, though. You can also download some really helpful apps to make it an even more indispensable tool on the road. Here are 10 apps that can save you money, make a long drive a bit more entertaining, and best of all, safer. 1. Waze Getting stuck in…
  • Differences Between Syariah and Conventional Financing

    CompareHero
    20 Nov 2014 | 2:31 am
    Consumers of financial products in Malaysia now have more loan options, thanks to syariah financing. Syariah financing, like conventional financing, is available for anyone in need of additional funds for consumption goods or capital. And almost all large banks now offer syariah financing, so consumers don’t have to worry about the level of professionalism in the management of funds. Still, there are several differences between syariah and conventional finance which you should consider before choosing between the two. 1. Interest vs No Interest In conventional financing, the bank charges…
  • 5 Amazing Road Trip Destinations from KL

    CompareHero
    19 Nov 2014 | 9:54 pm
    Got a credit card that offers petrol rebates? With the holidays and the year-end approaching, it’s time to take advantage and go on a road trip! Fill up your tanks and prepare for adventure, discovery, and a well-deserved vacation to these five amazing destinations near Kuala Lumpur: 1. Genting Highlands One hour outside of Kuala Lumpur and located in the forested regions between Selangor and Pahang, Genting Highlands is a self-proclaimed City of Entertainment where there is fun for everyone of all ages. Genting is, in fact, a resort owned by Resorts World. It has a lot of hotels, theme…
  • 5 Basics of Syariah Financing

    CompareHero
    19 Nov 2014 | 2:47 am
    Personal loans have become popular banking products because they allow consumers to secure fresh funds without much hassle. Consumers can then use the funds to finance their needs, usually related to business capital or large household expenses. Besides conventional personal loans, Malaysian banks also offer Syariah financing to all their consumers. Of course, Syariah financing operates with its own set of principles which consumers might be less knowledgeable of. So, let’s get to know those principles because who knows, Syariah financing might just suit your financial needs: 1. Joint…
 
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    Smart Credit Building | Smart Credit Building

  • Credit Monitoring Tools

    Michael Clark
    3 Nov 2014 | 11:18 am
    When it comes to monitoring your credit there are many options, many of which leave you less than impressed with their accuracy in comparison to a lender’s credit report. After signing up for more credit monitoring services than we care to count we have narrowed it down to a few options that most accurately depict your credit scores, and give ... Read More
  • Credit Card Selection Tool

    Michael Clark
    3 Nov 2014 | 10:43 am
  • Those scores aren’t right!

    Michael Clark
    19 Aug 2014 | 8:35 am
    We hear that often along with the question “Why are they so different than what the lender shows?” The simple answer is actually a question. What scoring model was used? Fair, Isaac and Company (FICO) is a publicly traded company that provides analytics and risk based scoring including credit scoring. This is a widely accepted scoring model and plays a ... Read More
  • Is All Credit Repair Created Equal?

    Michael Clark
    23 May 2014 | 9:15 am
    If you’re here reading about building positive credit, chances are you have some negative credit as well. Through searching for information you have surely come across ads for different Credit Service Agencies that make various claims of helping you remove negative and inaccurate items. For a fee of course. You may have even talked to one or more of them, ... Read More
  • Having a Credit Card: Important or Not

    Michael Clark
    9 May 2014 | 10:50 am
    In the self-focused society we have turned into, buy now pay later and instant gratification are promoted. Credit cards are a way of life for a lot of households, and it can cause a lot of financial woes. So much so that many consumers are shifting away and going to “cash” (Debit card usage is at an all time high), ... Read More
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    Financial Market Vigilante

  • SandRidge Permian Trust – Struck by the $80 Oil Lightning Bolt

    5 Nov 2014 | 10:32 am
    On October 30th SandRidge Permian Trust (PER) announced its quarterly distribution for production during the time period of June through August 2014.  During the summer the energy market showed high oil prices throughout that benefited the Permian Trust which has 86% its production in crude oil.  The spread between WTI and WTS crude oil widened during the quarter causing a slight decline in price level realized by the Trust.The distribution announcement was greeted with a rally in the market as the units traded up from $9.50 to $9.93 per unit on the day after the press…
  • Stocks Post QE3 - Pay Attention to this Data

    30 Oct 2014 | 10:10 am
    For years the Fed Funds rate has been the sacred measure that investors followed to determine if the Federal Reserve was promoting and accommodative or restrictive policy.  Fed rate hikes were a signal that the market was a little too juiced on the punch, and margin calls or a reduction in lending in the market was considered prudent.What about today?  The Fed Funds rate has been at 0% since December 2008 yielding the rate meaningless in understanding just how Fed policy is influencing the financial markets, much less the economy as a whole.  I separate the stock market from…
  • Investors Beware, U.S. Fiscal Spending Shift Coming

    30 Sep 2014 | 6:56 am
    As we approach the 2014 mid-term elections, U.S. fiscal policy is an economic headwind without any apparent current political movement to change.The relatively tight policy as measured by rate of growth is a counter inflationary force foremost, but also potentially slows down economic growth. You can see the evidence that the present fiscal policy is currently tight by reviewing the August 2014 year over year fiscal expenditure growth rate compared to previous years when the stock market peaked.This data is surprising to many investors because they are so accustomed to hearing how Washington…
  • Lending Activity Heats Up – Should Stock Investors Worry?

    22 Sep 2014 | 6:48 am
    One aspect of the recent U.S. economic growth not widely recognized is that it is being fueled by renewed high levels of debt being taken on by consumers, businesses and investors.Unsustainable debt levels are notorious for derailing GDP growth.  This phenomenon was evident prior to the last two stock market peaks, and the risk has returned to the U.S. market once again.If you review the statistics shown in the table below, you will see that just like 2000 and 2007, debt levels in 2014 have risen to warning zone levels relative to the size of the U.S economy (red = historically high, yellow…
  • Stocks Expensive, Force Building to Knock Bull Down

    15 Sep 2014 | 5:43 am
    Many articles have been released in the media in recent weeks concerning whether the stock market is over-valued or “very expensive” and may be approaching a peak.One highly regarded researcher is Robert Schiller, who in August of 2014 was interviewedby many media outlets concerning the high level of the CAPE Ratio (cyclically adjusted P/E) to give his views.Using this analytical approach he notes, “The United States stock market looks very expensive right now.”I take a slightly different approach to look at the relative value of stocks compared to historical norms, but reach the same…
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    Money International

  • Pull Together To Beat Stagnation, Warns OECD

    Martin Hughes
    19 Nov 2014 | 9:52 pm
    Global leaders heard that the world economy is still sluggish but will slowly pull clear of the doldrums if governments commit to the right policies at the latest summit of G20 ministers. One of the main problems is no one fits all solution is available as different regions and countries are battling different economic problems, Organisation of Economic Cooperation and Development (OECD)  Secretary-General Angel Gurría told the ministers. World GDP is predicted to peak at 3.3% this year, but will step up to 3.7% during 2015 and 3.9% in 2016, according to the OECD’s latest Global Outlook.
  • Ex-Spouses And Creditors Ready To Grab Pension Cash

    Vicky Dixon
    19 Nov 2014 | 9:52 pm
    You may believe all that cash in your pension belongs to you to spend as you like from April 2015, but you may find that’s not the case if you are divorced or owe money. Clever lawyers are preparing to exploit loopholes in pension rules that were unforeseen by lawmakers gearing up for easy access pensions. The National Association of Pension Funds (NAPF) has drawn the government’s attention to two possible loopholes that could cost pension investors all their savings. In recent years, many divorce court judges have awarded spouses a percentage of the tax-free lump sum of a pension…
  • London’s Expat Financiers Come Under HMRC Scrutiny

    Martin Hughes
    18 Nov 2014 | 10:01 pm
    Expats working in the financial sector are easy targets for HM Revenue & Customs (HMRC) and can expect more attention from the tax man. Industry experts claim HMRC is targeting investment bankers, fund managers and executives at private equity firms as they have found them to be rich pickings in the past. HMRC clawed back more than £150 million in unpaid taxes from expats workers mainly in the City of London last year. That represents a 27% increase in reclaimed tax at a time when City bonus payments are shrinking. Lawyers Pinsent Mason explained one of the main reasons for the…
  • Soaring Rents Force Dubai Expats To Relocate

    Martin Hughes
    17 Nov 2014 | 9:23 pm
    Rents are becoming so expensive in Dubai that two thirds of tenants plan to move home when their lease is next renewed to save money. Around 85% of tenants said their rent had increased this year and that the cost of renting a home was becoming too much for them. Landlords increased rents by more than 10% for almost half of all tenants in the desert city, many of whom are expats. However, letting agents in Dubai claim the rate of rent increases will start to slow soon as more property comes to the market to ease supply problems. A report by property consultancy Asteco said rents fell back by…
  • Elderly Expats May Die Before Compensation Is Paid

    Vicky Dixon
    16 Nov 2014 | 8:56 pm
    Hundreds of elderly expats have their retirement cash trapped in a suspended investment scheme that may not pay compensation until after they have died. Almost 5,000 investors have cash locked up in EEA Life Settlements Fund, but few may live to get their money back. Many have had to sell their homes, cars and other valuables to fund their retirement because the money they thought would make them financially comfortable in their later years has not materialised. Now the Financial Conduct Authority (FCA) is urging any investors with a misselling claim against the company to come forward before…
 
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    SuperMoney!

  • 12 Expensive Recipe Ingredients You Can Easily Replace

    Tania Galloway
    21 Nov 2014 | 10:59 am
    With the holidays quickly approaching, there may not be much time left before your house is filled with hungry holiday revelers. Baking or cooking super fancy, impressive dishes can seem like an intimidating task to take on, but is usually easier than it looks. After all, you’ve been on Pinterest for a month solid, finding awesome and easy ideas to try, right?The problem, of course, is while you may have Martha’s creativity and panache, you may be working with your decidedly less creative and panache-y budget. Well, have no fear! These great ideas for replacing expensive ingredients with…
  • Financial Lessons We Can All Learn From California’s Prop 1 & 2

    Andrew Latham
    19 Nov 2014 | 12:06 pm
    In just two years time, California has gone from a basket case state with a shortfall of almost one-third the size of its entire budget to having a $7 billion surplus. Why does California, the largest economy in the U.S. with a GDP the size of Russia’s have such income volatility issues? More importantly, what can we learn from how the state legislature is trying to fix the problem?California’s Income Tax and Water IssuesCalifornia tax code relies heavily on personal income taxes for revenue, as opposed to sales tax or corporate tax revenue. When the stock market does well and wealthy…
  • How To Host A Fabulous, High Class Dinner Party On A Super, Low-Cost Budget

    Julie Bawden-Davis
    18 Nov 2014 | 4:50 pm
    Hosting a dinner party at your house featuring tasty food and lively conversation gives you an event you can look forward to. But get-togethers can get costly, especially if you planned on serving food and drinks to your guests. But don’t worry, It is still possible to wow friends and family with a fantastic party, without straining your personal budget.Try these inexpensive options for organizing an unforgettable night of feasting and fun.Serve Light AppetizersRather than putting half your food budget into pre-meal snacks, serve up a limited selection of simple, low-cost appetizers,…
  • The Actual Reason Why Gas Prices Are Going Down in USA

    Theresa Cummings
    18 Nov 2014 | 5:13 am
    For the past 10 years, Americans have become strangely accustomed to drastically fluctuating prices at the gas pumps, often with little to no warning.  After all, there doesn’t appear to be a whole lot the common consumer can do about it, other than car-pooling or utilizing public transit systems.  It is simply out of our hands and beyond our control. Or is it?Record Breaking NumbersWe are currently experiencing a record breaking decline in prices for consecutive days (over 46 days in a row as of 11/11/14). This sudden trend has everyone scrambling to find an explanation for the drastic…
  • 10 Overpriced Things We All Buy, But Should Actually Avoid

    Andrew Latham
    17 Nov 2014 | 9:25 am
    Consumers, that’s you and me, are naive and gullible creatures. We may think we have a sense of what is a fair price, but we are just playthings for marketing and advertising executives. You have to give them credit though, when you think of the prices we are willing to pay for stuff we either don’t need or could find cheaper elsewhere.Think you are immune to their pricing tricks? Check out these 10 items we are all dumb enough to buy.1. Name Brand DrugsIt’s not difficult to raise prices when your clients’ life depends on your product. Profit margins for prescription drugs can range…
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    Your Smart Money Moves | Personal Finance Blog

  • Don’t Invest In The Dreams of Someone Else

    Ted Jenkin @ Your Smart Money Moves
    19 Nov 2014 | 11:23 am
    As we age in our financial lives, each of us has had that pit in our stomach feeling of a major financial mistake we wish we had never made. For some people, there will be no recovery from these mistakes while others still have the opportunity to make up for lost time. Although I’ve been fortunate to have very few blemishes in my own personal financial life, the financial move I would welcome doing over again would be to invest in a friends dream with the hope of getting some return on my money. Unless you are a really savvy and experienced investor, I am not a big fan of investing money in…
  • Obamacare: Open Enrollment What You Need To Know

    Ted Jenkin @ Your Smart Money Moves
    17 Nov 2014 | 5:32 am
    It may be open enrollment season for many of you at work, but for millions of Americans it will be the official open enrollment for Obamacare coming up this Saturday.  Amidst the unknown of the upcoming Supreme Court case regarding federal subsidies, there is a plethora of information to digest for those of you who are considering the federal marketplace for your health insurance.  Here are my five smart money moves Q & A to help you get an initial start to understanding the open enrollment period beginning this week. Get Obamacare Help Here > Question 1:  When does open enrollment…
  • 11/11/14 – Obamacare 101: What To Do When Enrolling

    Ted Jenkin @ Your Smart Money Moves
    13 Nov 2014 | 4:39 am
    How to Get Rich w/ oXYGen Financial Topic: Obamacare 101: What To Do When Enrolling Taped 11/11/14 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Regular Guys and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Breathe easier at http://oXYGenFinancial.net
  • Is This From You? Looks Like You Got HACKED!!!

    Ted Jenkin @ Your Smart Money Moves
    12 Nov 2014 | 6:44 am
    It is probable that this scenario I am going to paint has happened to your or a loved one in your family.   Some random e-mail gets sent to you letting you know that your parents got arrested on their vacation in London and are now presently in jail.  The only way for them to get out because they have no access to a phone is for you to wire $15,000 to an undisclosed bank account to get them out of jail.  It seems to be fake a first read, but still tugs at your emotions thinking that it just might be true especially if your parents are in fact in London.   More and more, we are seeing…
  • Why a Prenup Needs to Include Debt

    Ted Jenkin @ Your Smart Money Moves
    10 Nov 2014 | 8:42 am
    My team is extremely fortunate to get to work with so many successful Generation Xers.  Many of them have done phenomenally well in their careers, and then begin considering marriage at a much later stage in life toward their late 30s to early 40s. This often brings up the question when we do financial planning with them about whether or not it is a good idea to get a prenuptial agreement. There are pros and cons to getting this type of agreement, but the one important item many couples do not remember to put in these agreements when they execute them is what will happen with the debt. Most…
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    Money On Trees

  • Student debt, you’re the thorn in my side.

    Fabio Marrama
    13 Nov 2014 | 9:32 am
    The average Canadian student graduates university with $28,000 of debt and takes an average of 14 years to pay it back. This means that if the average student graduates at 23 or 24, they will be paying off their debt by 37 or 38. Wow. For some it’s probably not until graduation comes around that the word “debt” comes up in conversation. Quite simply, student debt sucks and many Gen Y’ers are simply tired of dragging it around. For many it’s because it sometimes feels like it’ll never come to an end. I recently discovered an article in the Globe and Mail – one that many of you…
  • November Is Financial Literacy Month

    Fabio Marrama
    7 Nov 2014 | 8:19 am
    It’s crazy that year after year we still know more about pop culture, healthy diets and the world of sports than we do our own finances. To be quite honest – I’m even in this spot sometimes so I can relate. We dedicate more time researching “sport scores or current fashion trends” in Hollywood than what our own finances look like. Yikes, kind of scary, but true. When it comes to understanding our finances, it’s time we make it a priority. There’s a purpose that Financial Literacy Month was created. Canada is still falling behind when it comes to financial literacy – a reason…
  • Car Insurance: Can I even afford you anymore?

    Fabio Marrama
    23 Oct 2014 | 7:47 am
    I know exactly what it feels like to fork over 50% of your pay cheque to one thing every single month – and I’m not talking mortgage or rent. That’s what car insurance was like for me. Was I the greatest driver? No, and I’ll be the first to admit that, but the industry wasn’t so much in my favour at the time. Car insurance is definitely not the cheapest thing going for Gen Y’s out there. I recently read an article in the Globe and Mail about the state of car insurance affordability for Millennials these days. It struck me how soaring premiums have nearly priced out Gen Y from the…
  • Happy One Year to Money On Trees

    Fabio Marrama
    16 Oct 2014 | 12:47 pm
    It’s hard to believe one year has already flown by. We’re excited to be a great resource for our community – no matter what age or stage in life. I must say, it’s definitely a great time to celebrate all that we’ve been able to accomplish over the past 365 days. Along with the variety of blogs we post every week, we’ve also had the privilege to present financial literacy seminars to many young adults from various schools, conferences and events in our communities. We have been fortunate enough to bring Money on Trees seminars to different events within our communities this past…
  • Forking it over: Canada’s Highest Tuitions

    Fabio Marrama
    2 Oct 2014 | 10:56 am
    Let’s be honest – Getting a post secondary degree can be a pretty costly decision. If you’re like me, balancing a serving tray on weekends at a local café pinching the tips I’d earned was my way of “paying for school”. In my spare time, I’d be applying for numerous scholarships and bursaries in hopes that one might slash some dollars off my tuition. Eventually, I paid it off. It wasn’t easy, and it’s not getting any easier it seems. I recently read an article in the Huffington Post on Canada’s Highest Tuitions. It looks like they’ve made a jump. According to a…
 
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    Bankrate.com » Rates

  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    17 Nov 2014 | 7:00 am
    See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Boston, Massachusetts

    Clare Mallen
    17 Nov 2014 | 7:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Boston.
  • Mortgage rates in Dallas, Texas

    Clare Mallen
    16 Nov 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Dallas.
  • Mortgage Rates in Chicago, Illinois

    Mitch Strohm
    16 Nov 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.
  • Mortgage rates in Washington, DC

    Clare Mallen
    16 Nov 2014 | 9:00 am
    Here are the weekly updated mortgage rates for Washington, D.C., including the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
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    Bankrate.com » Saving Money

  • 7 tips for replacing your winter clothes

    Paula Pant
    22 Nov 2014 | 5:00 am
    With temperatures falling, it is time to pull out your winter clothing from storage. But as you do so, you may realize that last year's winter clothing doesn't fit you anymore, or it's worn out. Pants, sweaters, jackets, scarves and boots are all expensive. What can you do? Here are seven frugal ways to replace
  • 10 ways to save on Thanksgiving dinner

    Paula Pant
    20 Nov 2014 | 1:38 pm
    Last year, it cost the average American family around $49 to feed 10 people for Thanksgiving, according to the American Farm Bureau Federation's survey of consumer grocery prices. That's a chunk of change for one meal if you're on a budget. But hosting the holiday get-together doesn't have to cost so much. Here are 10
  • 3 end-of-year financial planning moves

    Paula Pant
    20 Nov 2014 | 3:05 am
    Here are three important year-end financial planning moves to consider.
  • Jean Chatzky: 4 holiday shopping secrets

    Jean Chatzky
    14 Nov 2014 | 6:00 am
    Whenever you decide to hit the stores, you want to do it with a strategy in place that will keep you from blowing your budget.
  • Buy ugly, save money?

    Stacy Jones
    6 Nov 2014 | 1:00 pm
    Merchants are constantly marking up or down the prices of clothing, cell phone cases, appliances, and much more simply because of their color.
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    Stock News Desk

  • Europe and China put the Global Market on All-Time High

    James Smith
    21 Nov 2014 | 11:42 am
    New York City, New York – (StockNewsDesk) – 11/21/2014 — The major indices of the U.S. market, S&P 500 and the Dow Jones achieve a new height because of the stimulus measures introduced by Chinese government. The European Commission chief Mario Draghi comments also infused optimism among investors on the Wall Street. Currently, the broader indices are trading at all-time high levels. The stimulus measures took place after China’s factory growth sunk to a new low of 50.0 in six months. The European government feared the economy may weaken like Japan’s; because of which…
  • U.S. Market Defies Europe’s and China’s Slowdown

    David Goehst
    20 Nov 2014 | 11:44 am
    Kokomo, IN – (StockNewsDesk) – 11/20/2014 — U.S. markets shrugged off early losses and bolstered gains on the back of better than expected economic results. The inflation rate and consumer prices, month over month (MoM) and year over year (YoY) is primarily responsible for investor optimism. However, the number of people filing for unemployment benefits fell short of expectations. On the other hand, European and Chinese economy continued to show signs of the slowdown. Consumer prices inched towards the goal set by the federal reserve of 2%. MoM consumer prices remained unchanged…
  • Home Depot Beats Estimates; Hackers May Play a Spoilsport

    Phillip Wilson
    19 Nov 2014 | 10:53 am
    Houston, TX – (StockNewsDesk) – 11/19/2014 — Yesterday, the nation’s largest home building improvement retailer, Home Depot reported results that beat Street’s expectations. However, hackers managed to steal 53 million emails ids and 56 million credit card numbers from the company’s database. This made investors skeptical about the company’s security systems. The company has warned that the cost of this loss of data is around $28 million for this fiscal year. The figure can go up to $34 million in the following year. For the third quarter, Home Depot reported earnings of…
  • Japan’s GDP, Economic Indicators Weigh on Markets

    Prabir Sinha
    17 Nov 2014 | 12:01 pm
    New York City, New York – (StockNewsDesk) – 11/17/2014 — Major indices, S&P 500 and the Down Jones, entered the negative territory after the Japan reported a negative growth for the third consecutive quarter, pushing the economy into recession. These developments came in as a surprise for the Wall Street investors. In addition to this, two important economic indicators of U.S, manufacturing index and industrial production data, came in below estimates making investors wary. On a broader bracket, stocks saw losses after four-weeks of consecutive gains. Japanese economy…
  • Blossom: control your watering system smartly

    Andy Manalis
    17 Nov 2014 | 8:32 am
    Santa Barbara, CA – (StockNewsDesk) – 11/17/2014 — Watering a bigger ground evenly and properly is a greater challenge. Blossom makes the procedure easier and serves the purpose effectively. It is a smart watering controller. Now you can easily automate the sprinkler as per your need with weather data in real time. The controller can be connected to your smartphone so you manage the watering system easily. It helps you to get a better control over the wastage of water that actually reduces the water bill up to 30%. Kickstarter is providing it an ideal approach facility towards…
 
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    The Travel Sisters

  • News in Miles and Points: Korean Air No Longer Ultimate Rewards Partner, Delta Releases Award Charts and Ends Stopovers on Award Travel and Register For World Rewards with SPG and Emirates Skywards

    Patti
    22 Nov 2014 | 5:41 am
    Here are a few news items regarding miles and points from this past week: Korean Air No Longer Chase Ultimate Rewards Partner? Per One Mile at a Time, Korean Air is no longer showing up as a transfer option for Ultimate Rewards points. Chase has not made an announcement but when I checked Korean Air is no longer listed on the Ultimate Rewards website as an option. Delta Releases Award Charts and Ends Stopovers on Award Travel Beginning January 1, 2015, Delta will be changing its SkyMiles mileage program.  Delta announced its changes earlier this year but now they have released their…
  • Travel News: Uber Lowering Referral Credit, Ten Year Chinese Visas, Spirit Adding New Routes, JetBlue Adding Bag Fees and Reducing Legroom

    Patti
    21 Nov 2014 | 4:33 am
    Uber Reducing Referral Credit Uber has been offering $30 referral credits. Basically if you invite one of your friends to try Uber both you and your friend each earn a free $30 ride. Effective November 23, the referral credit is being reduced to $20. So if you have not yet signed up for Uber now is a great time to do so. If you already use Uber, this is a good opportunity to invite your friends to try it.  If no one you know has a referral link we would be grateful if you sign up using our referral link. China Now Offering 10 Year Visas The US and China have entered into a reciprocal…
  • Why Now is a Good Time to Apply for the Chase Freedom (If You Don’t Have One Yet)

    Matilda
    20 Nov 2014 | 3:03 pm
    If there is one credit card that I think pretty much everyone should have -whether they collect points or just cash back- it would be the Chase Freedom card.  I have one and so does everyone in my family. There are a few reasons why I think the Chase Freedom card is so great in general: There is no annual fee so can keep forever if you want 5% on up to $1,500 spent in rotating bonus categories each quarter and 1% on all other purchases Low minimum spend requirement to earn sign up bonus 0% intro APR for 15 months on purchases and balance transfers (making this one of the only credit cards…
  • Earn 500 Bonus Starpoints – Quick and Easy

    Patti
    19 Nov 2014 | 2:16 pm
    In connection with the SPG More For You promotion, you can earn 500 bonus Starpoints just for updating your SPG profile.  This should not take more than a minute or two. Here is what you have to do: 1) Register for the SPG More For You promotion at www.spgpromos.com/moreforyou by November 30, 2014 by entering your SPG number and email address. 2) Update your stay preferences on your spg.com profile by December 15, 2014. Although the SPG More For You promotion requires a stay to earn triple points, you do not need to complete a hotel stay to earn the 500 Starpoints. But you still have to…
  • Chase Credit Card Changes Next Week: Minimum Spend Increasing for Sapphire Preferred, Chase Sapphire Going Away?

    Patti
    14 Nov 2014 | 9:59 pm
    Chase Sapphire Preferred Mimimum Spend Increasing Rumors are going around the internet that the amount of spending required for the sign up bonus on the Chase Sapphire Preferred card is going up on Monday.  Currently the Chase Sapphire Preferred card offers a sign up bonus of 40,000 Ultimate Rewards after spending $3,000 in the first three months.  It is rumored that, next week, the minimum spending requirement will increase from $3,000 to $4,000.  Obviously spending $1,000 more is not a huge deal but it does make it a bit more difficult to meet the amount of spending required for the…
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    Advantage CCS

  • 10 Steps to Eliminate Credit Card Debt

    Lauralynn Mangis
    21 Nov 2014 | 8:28 am
    People always ask me this same question: “How can I get rid of my credit card debt as quickly as possible”. And the answer is always: “You didn’t get into...The post 10 Steps to Eliminate Credit Card Debt appeared first on Advantage CCS.
  • Money Problems and Stress: How to Manage Both

    Lauralynn Mangis
    14 Nov 2014 | 7:04 am
    It seems like money problems and stress go hand-in-hand. It’s hard to have one without the other. So what’s a person with money problems AND stress supposed to do? How...The post Money Problems and Stress: How to Manage Both appeared first on Advantage CCS.
  • Should You Take Advantage of Layaway Programs?

    Lauralynn Mangis
    6 Nov 2014 | 10:51 am
    Layaway programs may seem like something from the past or something your parents may have talked about around the holidays, but most of these programs are still alive and kicking....The post Should You Take Advantage of Layaway Programs? appeared first on Advantage CCS.
  • The Scary Truth about Teens & Money

    Lauralynn Mangis
    29 Oct 2014 | 12:43 pm
    Around this time of year we usually do a blog post about “How to Save Money on Halloween Décor” or “Save Money on Halloween with These DIY Costume Ideas” and...The post The Scary Truth about Teens & Money appeared first on Advantage CCS.
  • The True Cost of Weight Loss

    Lauralynn Mangis
    22 Oct 2014 | 2:05 am
    Weight loss can be a difficult thing to achieve. Living a healthy lifestyle and turning away from overeating and eating the wrong foods are all things that most people in...The post The True Cost of Weight Loss appeared first on Advantage CCS.