Personal Finance

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  • Backpacking Solo In South America

    Forbes - Personal Finance
    Alexandra Talty
    17 Apr 2014 | 1:34 pm
    French citizen Christy Offret shares her tips and adventures from the road, two months into her South American backpacking journey.
  • 3 Steps To Double Your Retirement Portfolio Safely

    Forbes - Personal Finance
    Mitch Tuchman
    17 Apr 2014 | 12:18 pm
    As May creeps toward us you will begin to hear traders talking about the "Halloween indicator" or using the phrase "Sell in May and go away."
  • My year-long quest to create a guide to mastering money

    Get Rich Slowly - Personal Finance That Makes Sense.
    Ellen Cannon
    17 Apr 2014 | 5:23 am
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money, where he recently wrote about how to be happy. “How would you like to write an Unconventional Guide?” my friend Chris Guillebeau asked me last spring. As long-time readers know, I’ve joined Chris to travel across the U.S. by train, travel across Norway by train, and produce the first three editions of the World Domination Summit conference here in Portland. When he’s not traveling or dominating the world, Chris publishes a…
  • 3 Ways to Catapult Your Career Growth (#1 is My Favorite)

    MoneyNing
    Alexa Mason
    16 Apr 2014 | 5:00 am
    In today’s economy, finding a good job can be tough — and experiencing career growth can be even tougher. That’s why it’s so important to build your personal brand and bring your A game every day. If you’re tired of your career remaining stagnant, here are three ways to catapult its growth: 1. Push yourself outside of your comfort zone every day If you want to experience growth in any aspect of your life, you have to push yourself outside of your comfort zone. When it comes to your career, you’ll remain stagnant if you let yourself get too comfortable. This can be especially…
  • Money Smart Kids Workshop: Help Your Kids Learn How To Be Financially Smart

    Ready To Be Rich
    Fitz
    9 Apr 2014 | 10:04 pm
    What do kids learn about money in school? In my case, I remember learning two things. First, that it’s good to save money. And second, that money is the root of all evil. If you think about it, these are conflicting lessons. Why would I save money, if my teacher says it’s the reason why […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: Money Smart Kids Workshop: Help Your Kids Learn How To Be Financially SmartHelp your kids become Money Smart: Click here to enroll them in the Money Smart Kids…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • My year-long quest to create a guide to mastering money

    Ellen Cannon
    17 Apr 2014 | 5:23 am
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money, where he recently wrote about how to be happy. “How would you like to write an Unconventional Guide?” my friend Chris Guillebeau asked me last spring. As long-time readers know, I’ve joined Chris to travel across the U.S. by train, travel across Norway by train, and produce the first three editions of the World Domination Summit conference here in Portland. When he’s not traveling or dominating the world, Chris publishes a…
  • Giving makes us happier, but what if you don’t have much to give?

    Kristin Wong
    16 Apr 2014 | 4:00 am
    This article is by staff writer Kristin Wong. Maybe it’s because I’m getting older, or maybe it’s that I’m in a better financial place than I was just a few years ago, but lately, I’ve been thinking a lot more about giving back. In recent years, it’s becoming more important to me to be socially conscious and charitable. I’m secure, I’m healthy, and I’m free. That contentment seems to urge me to check in on the rest of the world. Or, maybe it’s coming from a more selfish place. According to a new research paper from Harvard Business…
  • 8 years of Get Rich Slowly

    J.D. Roth
    15 Apr 2014 | 4:00 am
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. Eight years ago today, I started a new blog. Inspired by the success of a popular post at my personal site, I sat down to create what I thought would be the first personal finance blog on the Internet. (I was wrong, of course; there were plenty of similar blogs before mine.) I had no idea what I was getting myself into. In the beginning… In April 2006, I was still deep in debt. I’d begun to turn things around, but I still felt overwhelmed…
  • Foreclosure from the tenant’s perspective: Honey’s story

    Honey Smith
    14 Apr 2014 | 4:00 am
    This article is by staff writer Honey Smith. In November, we thought we’d reached the last straw in terms of the condo we have been renting. We’d had numerous problems with our place and our landlord (namely, not fixing things when they broke — major or minor). However we ultimately decided that, although the right choice wasn’t obvious, there were too many aspects of our lives up in the air to move at that moment. Then, on December 30, our landlord told us that they weren’t going to be able to refinance our property. The condo we live in was going into…
  • Another visit with the real Millionaire Next Door

    J.D. Roth
    13 Apr 2014 | 4:00 am
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money, where he recently wrote about how to be happy. It was sunny last Friday afternoon, so I decided to go for a ride. Because Kim has been riding motorcycles all her life, I took a training class last August and now own a used Honda Rebel. When the weather’s nice in Portland, I like to do my errands on the bike so that I build skills and confidence. My ex-wife had told me I ought to pick up mail from her house, so I rode down to visit Kris and the…
 
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    Consumerism Commentary

  • Want to Fail? Ignore Survivorship Bias.

    Luke Landes
    16 Apr 2014 | 11:55 am
    Whether you’re making a decision that has apparent, immediate consequences that could affect the rest of your life, like deciding to quit your job and open a business, or making a purchasing decision big or small, it is worthwhile to gather information and think about the future. When you gather information, you have to be careful, because people, businesses, and even statistics that provide that information might contain inherent biases. Survivorship bias is often hidden in plain sight, but recognizing the bias when it exists could be the difference between building wealth over the…
  • Home Grocery Delivery: Peapod vs. FreshDirect

    Luke Landes
    9 Apr 2014 | 12:54 pm
    Although I don’t take advantage of this type of service every time I need to go food shopping, grocery delivery is one luxury I enjoy about once a month. I’ve been a customer of Peapod for about eighteen months. Peapod is a company associated with Stop & Shop, a supermarket in my area. The food they offer is the same as Stop & Shop’s items, including store brands. Throughout almost this entire period, living in a New Jersey suburb, Peapod has been my only choice for food delivery. That changed a few weeks ago when FreshDirect expanded its delivery service to…
  • The Only Way Buying As Much House As Possible Is Smart

    Luke Landes
    8 Apr 2014 | 9:07 am
    Once again, I’m finding myself nearing the end of my one-year lease with the need to make a decision about my living situation. I moved to my current apartment in the summer of 2007, at a time when I had been more comfortable living off some of the income from my business. Until that point, I remained fiscally conservative with my extra income, putting as much into savings as possible, not believing earning an income from primarily blogging would be sustainable in the long run. Accepting the fact that I had a growing income, I allowed myself to move into a bigger apartment in a nicer…
  • Psychological Advantages of the Debt Avalanche

    Luke Landes
    2 Apr 2014 | 11:36 am
    The realist in me recognizes that the best plan for getting out of debt is any plan that allows someone to achieve that goal. The realist is constantly at odds with the optimist in me, the part of me that wants people to be high achievers, to strive for excellence, and to seek an informed level of knowledge and use that knowledge to make the best decisions for their actions. The concept of the Debt Snowball always bothered me. In general, paying off any amount of debt with cash flow, whether you follow a specific philosophy, involves three steps. Pay the minimum amount due to all debts to…
  • Buying and Selling Stocks Is Often a Losing Strategy

    Luke Landes
    1 Apr 2014 | 1:25 pm
    After three months, my $1,000 investment portfolio, nicknamed “Feemaggeddon,” is lagging. This portfolio is part of an investing challenge, the “Grow Your Dough Throwdown.” It’s a lighthearted competition featuring several top financial bloggers. I have two goals with this portfolio. The first is to test a specific popular investing philosophy. Among those who offer advice about choosing stocks for investing, one oft-repeated technique involves investing in companies whose products the investor uses each day. That’s how I decided to create a portfolio…
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    Forbes - Personal Finance

  • Backpacking Solo In South America

    Alexandra Talty
    17 Apr 2014 | 1:34 pm
    French citizen Christy Offret shares her tips and adventures from the road, two months into her South American backpacking journey.
  • How To Use A Secured Card To Rebuild Your Credit

    Curtis Arnold
    17 Apr 2014 | 1:18 pm
    Who among us hasn?t needed a second chance? Or a first opportunity? For the millions of Americans who were battered by the Great Recession and came out of it with a tattered credit score, plus the legions of young people who haven?t had a chance to earn and spend money
  • Social Security's Proper Role In Your Retirement Plan

    Mitch Tuchman
    17 Apr 2014 | 1:17 pm
    Could you live on Social Security? That seems to be a stock answer for many folks nearing retirement, and it's a tremendously misguided view.
  • How To Get The Most Out Of Your College Tour

    Reyna Gobel
    17 Apr 2014 | 1:00 pm
    Too many college campus tours focus on the student union and amenities instead of visits to financial aid, career services and professors? offices.
  • 3 Steps To Double Your Retirement Portfolio Safely

    Mitch Tuchman
    17 Apr 2014 | 12:18 pm
    As May creeps toward us you will begin to hear traders talking about the "Halloween indicator" or using the phrase "Sell in May and go away."
 
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    Yahoo News - Latest News & Headlines

  • Who gained, and what, at Ukraine talks

    17 Apr 2014 | 2:55 pm
    Ukraine, Russia, the U.S. and EU each achieved initial satisfaction on some issues in Geneva talks.
  • Wikipedia beats Google in helping researchers track flu season

    17 Apr 2014 | 2:50 pm
    By monitoring the number of times people look for flu information on Wikipedia, researchers may be better able to estimate the severity of a flu season, according to a new study. Researchers created a new data-analysis system that looks at visits to Wikipedia articles, and found the system was able to estimate flu levels in the United States up to two weeks sooner than the flu data from the Centers for Disease Control and Prevention were released. The new system examined visits to Wikipedia articles that included terms related to flulike illnesses, whereas Google Flu Trends looks at searches…
  • Judge in gay marriage case asks pointed questions

    17 Apr 2014 | 3:08 pm
    DENVER (AP) — A judge in Colorado who will play a pivotal role deciding whether gays should be allowed to wed in the United States asked pointed questions Thursday about whether Oklahoma can legally ban the unions.
  • On Politics: Democrats hark back to the politics of race

    17 Apr 2014 | 2:58 am
    So now it's out there. After five years of studied reticence, Democratic leaders in Washington finally went public last week with what they really think is motivating Republican opposition to Barack Obama. As Steve Israel, one of the top Democrats in Congress said the Republican base, "to a significant extent," is "animated by racism."
  • Space first: NASA finds 'Earth cousin' that may sustain life

    17 Apr 2014 | 11:10 am
    For the first time, scientists have discovered an Earth-sized alien planet in the habitable zone of its host star, an "Earth cousin" that just might have liquid water and the right conditions for life. The newfound planet, called Kepler-186f, was first spotted by NASA's Kepler space telescope and circles a dim red dwarf star about 490 light-years from Earth. "One of the things we've been looking for is maybe an Earth twin, which is an Earth-sized planet in the habitable zone of a sunlike star," Tom Barclay, Kepler scientist and co-author of the new exoplanet…
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    My Money Blog

  • Citi® Hilton HHonors™ Visa Signature® Card – Limited Time Offer

    Jonathan Ping
    17 Apr 2014 | 12:07 pm
    Last update: Offer expires at end of day Friday, 4/18/14. Citi has a new limited-time promotion for its Citi® Hilton HHonors™ Visa Signature® Card. The sign-up bonus has been improved by 10,000 points and a $50 statement credit over their standard offer. This offer is only available on a handful of sites, not even on Citi.com. LIMITED TIME: Earn a $50 statement credit after spending $50 on your first stay at any hotel and resort within the Hilton HHonors Portfolio during the first 6 months of cardmembership as well as 50,000 Hilton HHonors Bonus Points after $1,000 in purchases within the…
  • Savings I-Bonds May 2014 Interest Rate Update: 1.83% or Higher

    Jonathan Ping
    16 Apr 2014 | 1:11 am
    Since inflation-linked savings bonds (“I bonds”) are based on CPI numbers announced two weeks earlier, we can make predictions about upcoming savings bond rates before their official announcement. This also allows us the opportunity to know exactly what a current bond purchase will yield over the next 12 months, instead of just 6 months. New Inflation Rate September 2013 CPI-U was 234.149. March 2014 CPI-U was 236.293, for a semi-annual increase of 0.91566%. Using the official formula, the variable component of interest rate for the next 6 month cycle will be approximately 1.83%.
  • Employer Health Insurance Wellness Programs: Helpful Feature or Profit Center?

    Jonathan Ping
    15 Apr 2014 | 1:18 am
    Like many other folks, I have the majority of my health insurance premiums paid by my employer. I appreciate this and value it as part of my “total compensation” (a fact that they keep reminding me about). My employer and health insurance provider recently teamed up to offer us a “Wellness program”. These used to be rewards-based programs where you earned points for activities like watching health-education videos, tracking your weight, creating a food journal, etc. You could then redeem those points towards gift cards and such. The idea was to encourage healthy…
  • Target Mobile Coupon Text Codes: $10 off $50 in Food Purchases & More

    Jonathan Ping
    13 Apr 2014 | 7:51 pm
    Attention Target shoppers… Target is offering some special coupons if you text specific messages to them at 827438 (TARGET). They’ll reply with a link to a unique coupon code that you just show the cashier on your smartphone. This week there is a pretty good $10 off coupon if you spend $50 on food and beverage purchases, and then I got sucked down the rabbit hole and wanted to find all the other available codes (even though I’m really not an avid coupon person). Here are all of them that I could find: Text GROCERY to 827438 for a $10 off $50 coupon good on food and/or…
  • Daycare Costs vs. In-State College Tuition

    Jonathan Ping
    11 Apr 2014 | 1:20 am
    There are many articles about rising college tuitions and how to best save for college. But according a recent study, in 31 states the annual cost of day care for an infant exceeds the average cost of in-state tuition and fees at public colleges. From this WaPo article: We accept that it typically takes 18 years to sock away a sizeable-enough college nest egg. Considering that child care is an equivalent, if not greater, expense and that the average maternal age at first child birth is 26, this suggests that we should similarly start putting money away for day-care expenses when we’re…
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    The Simple Dollar

  • Can “Churning” Credit Cards Really Work?

    Trent
    17 Apr 2014 | 1:00 pm
    There are a lot of credit card offers out there that reward you for signing up by giving you a bunch of frequent flyer miles, hotel discounts, or big gift certificates. If you weren’t particularly worried about your credit in the short term, wouldn’t it make sense to sign up for a bunch of these, fulfill the terms of the programs, cash in the rewards, then cancel the cards? It’s certainly conceivable. In fact, it’s a practice that a lot of people use, and they call it “churning.” Here’s an article from Daily Finance outlining the basics. Although…
  • Reader Mailbag: Helicoptering

    Trent
    17 Apr 2014 | 7:00 am
    What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. New company 401(k) question 2. Freezing in plastic 3. Eating cheap on road trip 4. Leasing an electric vehicle 5. Too much money into retirement? 6. Midlife crisis? 7. Pay mortgage or start investing? 8. Nonstick pans 9. Hunting for food 10. Invites for expensive special events The cover article on the May issue of The Atlantic, The Overprotected Kid by Hanna Rosin, has been on my mind a lot lately. This article…
  • The Pasta Sauce Conundrum

    Trent
    16 Apr 2014 | 1:00 pm
    Two or three times a month, my family enjoys an evening meal that features pasta of some kind. We might enjoy spaghetti or lasagna or something else, depending on the mood. However, when I go to the store to buy pasta sauce, I absolutely cringe at the prices. The “cheap” sauces are loaded with high fructose corn syrup and taste overly sweet. Some of the other sauces taste great, but you’re paying $7 (or more) for a single jar of the sauce. Sure, such sauce is convenient, but it really adds up quick. If you buy the cheap stuff at $2 per jar, you’re adding a ton of corn…
  • The Simple Dollar Weekly Roundup: Take Action Edition

    Trent
    16 Apr 2014 | 7:00 am
    A friend recently pointed me to the research work of Jennifer Aaker, a researcher at the Stanford Graduate School of Business. From the article: “The results show that acts designed to improve the well-being of others will lead to greater happiness for givers when these acts are associated with concretely framed, prosocial goals as opposed to abstractly framed prosocial goals – despite people’s intuitions to the contrary.” In other words, you’re much more likely to feel good about your efforts if you actually take concrete action to help someone solve their problems…
  • Five Simple Things to Prepare Right Now for Your Estate

    Trent
    15 Apr 2014 | 1:00 pm
    This article first appeared at U.S. News and World Report Money. Everyone knows about the big things that people should prepare for their loved ones in the event of their untimely passing. A will. Life insurance. A living trust. Those are the big things. After that, there are a number of little things you can take care of that will make things much, much easier on your loved ones if you were to pass on. These things are all easy to prepare, don’t require a lawyer, and will make a huge impact on your family and friends if these documents are ever needed. The best thing you can do is make…
 
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    Wise Bread

  • 9 Cool Things You Didn't Know Skype Can Do

    Greg Go
    17 Apr 2014 | 4:00 am
    Sponsored by Skype — Use Skype Credit to call mobiles and landlines home and abroad at low rates. Skype is famous for free instant messaging and online voice calls, and I love using Skype to keep in touch with my friends and family. But Skype offers so much more than messages and online calls. Here are 9 cool ways Skype can make your life easier. 1. Send and Receive Files Skype is helpful for sending and receiving files quickly. I use Skype to send photos, spreadsheets, screenshots, PDFs, and other files to my coworkers on a daily basis. To send a file, simply select the…
  • Do This One Thing a Day to Defeat Clutter Forever

    Max Wong
    17 Apr 2014 | 2:36 am
    The problem with most advice on clearing clutter is that it runs on the assumption that people actually have enough storage space in their homes. I am 100% sure that anyone who saves closet space by rotating their winter clothes out of their closet to make room for their summer wardrobe isn't storing their Christmas sweaters under their house in the crawlspace. (See also: How to Declutter and Keep Your Stuff) For a number of years I lived in a tiny house with horrible storage space. Removing anything from my closet was like playing the dangerous version of Jenga, with heavy, head-bonking…
  • 4 Secrets to Getting the Lowest Rate From Travel Websites

    Deia B
    17 Apr 2014 | 2:24 am
    Personalization is the next big thing in tech. Google customizes your search results when you're logged in to your Google account. And if you often see the same ads on multiple websites, it's because the ad network's algorithms suggest that you'd be interested in those products. (See also: 10 Surprising Marketing Tricks) All this personalization is supposed to provide you with a better browsing experience. But in reality, its main purpose is to sell you the most relevant products and improve the bottom line for e-businesses. This is not a big problem when it comes to ads because you're not…
  • Best Money Tips: Ways to Live a Life With No Regrets

    Ashley Jacobs
    17 Apr 2014 | 2:00 am
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on living a life with no regrets, cutting your own hair, and tasks you shouldn't put on the backburner. Top 5 Articles 11 Ways to Live a Life With No Regrets — If you want to live your life with no regrets, be afraid of being afraid. [Lifehack] How to Cut Your Own Hair - An Updated Guide! — When cutting your own hair, stay calm and think ahead. [And Then We Saved] 10 Tasks You Should Never Put on the Backburner — Never put promises to others or safety issues on the backburner. [Time…
  • 20 Snacks That Will Keep You Energized Through the Day

    Ashley Marcin
    17 Apr 2014 | 1:48 am
    Looking to bust through the afternoon lull? A snack can be a fantastic energy boost, but try your best to avoid those vending machines. Sure that tasty candy bar might give you a temporary high, but you'll come crashing down hard and have less energy than you started with. Plus, over time those quarters add up. If you spend $1.50 a day, that's $7.50 back in your pocket at the end of each week (and $30 a month and $360 a year!). The following foods are great on their own, but even better in combination. Try pairing carbohydrates with protein or healthy fats for the most punch and hunger…
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    Bargaineering

  • Do loyal customers really get treated better?

    Kristin Wong
    14 Apr 2014 | 3:00 am
    Kristin WongWhether it’s through rewards programs or special invites, companies often tout an appreciation for customer loyalty. Yet, every few months, I find myself challenging my Internet service provider over a “promotional offer” that has expired, which means I’m paying more than new customers. It’s become a pretty standard call, and with a little negotiating, I [...]Do loyal customers really get treated better? from personal finance blog Bargaineering.com. This blog was posted by Kristin Wong
  • Blindly chasing any and every job isn’t a smart way to launch your career…Here’s how to do better

    Alissa Fleck
    6 Apr 2014 | 11:00 pm
    Alissa FleckI think we can all agree that time = money. But, when it comes to job hunting, that may not be the only equation worth considering. I’m in my mid-twenties, and since graduating college, I have always been told to apply for jobs, as many as I can, even those that seem far out of [...]Blindly chasing any and every job isn’t a smart way to launch your career…Here’s how to do better from personal finance blog Bargaineering.com. This blog was posted by Alissa Fleck
  • Boss ripping you off? Here’s what to do about it

    Kristin Wong
    30 Mar 2014 | 11:00 pm
    Kristin WongEarlier this year, beloved celebrity chef Mario Batali agreed to settle a lawsuit brought by his employees for $5.25 million. Their claim? Batali’s restaurants were allegedly confiscating tips from workers to increase profits. Maybe it comes as a surprise to you; maybe it doesn’t. But wage theft is a pretty common occurrence in the United [...]Boss ripping you off? Here’s what to do about it from personal finance blog Bargaineering.com. This blog was posted by Kristin Wong
  • Student raises $1,000 to take burrito skydiving

    Kristin Wong
    24 Mar 2014 | 3:00 am
    Kristin WongA design student from Chicago recently launched a fairly ridiculous Kickstarter campaign: He wanted to buy a burrito and graph its “deliciousness.” With an original funding goal of $8, Noboru Bitoy has blown that target out of the water. As of this post, he’s raised a whopping $1,050, all based on this simple promise: “Just [...]Student raises $1,000 to take burrito skydiving from personal finance blog Bargaineering.com. This blog was posted by Kristin Wong
  • Always buy the biggest pizza…That’s why God created freezers…And big ziplock bags

    Mitch Strohm
    17 Mar 2014 | 3:00 am
    Mitch StrohmWe suspect you don’t really need another reason to buy a bigger pizza. But if you do, here’s a great one: You’ll get more pizza for your money if you go with the larger pie. Quoctrung Bui of Planet Money recently studied this after noticing something while eating lunch with an engineer. Though the engineer [...]Always buy the biggest pizza…That’s why God created freezers…And big ziplock bags from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
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    fivecentnickel.com

  • How your life is changing in a Heartbleed

    William Cowie
    16 Apr 2014 | 1:00 am
    No, that’s not a typo. If you haven’t heard of “Heartbleed” yet, listen up. Events that radically change our lives don’t come along that often. The 9/11 attacks changed not only how we travel, but how we think and act when we go out. Having your belongings searched when you go out to a ballgame was unthinkable before; now it’s routine. Heartbleed is such an event, and over the next few years it will change how all of us do business. What is Heartbleed? It’s a security breach, but not just any security breach. Think of the infamous Target breach as a…
  • Parents’ attitudes toward money and kids

    Richard Barrington
    14 Apr 2014 | 1:00 am
    As parents, we pick up a fair amount of information from other parents. There’s some good advice, some bad advice, and then there are opinion surveys. Even though I tend to second-guess the way some of the questions are phrased, I like opinion surveys because they are a window into what large numbers of other people are thinking. Even if the view through that window isn’t perfect, we can get enough insight to question certain issues and think them through from a new perspective. T. Rowe Price just released its 6th annual “Parents, Kids & Money Survey.” I like this…
  • 10 Questions for … a Business Coach

    FCN Staff
    11 Apr 2014 | 1:00 am
    This post comes from Jessica Henderson at our partner site LearnVest. Never miss a new episode of Shark Tank? Invented a revolutionary evaporating kitty litter that you’re itching to debut to the world? You’re not alone. Every month, some 543,000 new businesses are launched—but the hard truth is that only seven out of 10 survive the crucial first two years to stay in the game. To help you get your own big idea off the ground with your expectations in check, we asked Trisha D. Scudder, founder and principal of Executive Coaching Group, Inc.—a pioneer in the field, with over 25 years of…
  • Worst-case-scenario playbook

    Jeffrey Steele
    9 Apr 2014 | 1:00 am
    This is the time of year when I annually confer with my financial adviser. As I drove to meet him in his office a couple weeks ago, I had reason to expect we’d both be in jovial moods. The stock market’s performance over the past year has been stellar, after all, and my account has tallied corresponding gains. But as we talked, I was quickly reacquainted with reality. His role is not to be jovial or complacent. A big part of his role, as far as I can discern, is to remind me to stay on the straight and narrow with my financial goals. So after noting I’ve done a good job…
  • How to rear money-smart kids

    Suba Iyer
    7 Apr 2014 | 1:00 am
    The Consumer Financial Protection Bureau estimated, in 2013, that outstanding student loans have swelled to over $1.2 trillion. Seven in ten college seniors who graduated in 2012 had student loan debt, at an average of $29,400. Scary! It is extremely important for kids to have a good handle on personal finance before they enter college. Personal finance is now becoming a part of the K-12 curriculum in many school districts, but the best education can only come from parents and habits developed at home. So how can we raise money smart kids? How do you teach your kids about money? Educate…
 
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    AllFinancialMatters

  • Is the Market Overvalued? Interesting Thoughts from Fortune’s John Cassidy

    JLP
    2 Apr 2014 | 12:20 pm
    I found this tidbit from John Cassidy’s latest column in Fortune to be interesting: “A couple of months ago I mentioned the cyclically adjusted price/earnings (CAPE) ratio, which was flashing amber. Another warning sign is provided by the so-called Q ratio, which compares the market value of corporate assets with their replacement cost, and which was developed by the late James Tobin, a Yale economist. As of March 6, when the S&P 500 closed at 1,877, the Q ratio was indicating that the market was overvalued by 76%, says Andrew Smithers, a London-based analyst who helped…
  • America’s Future Doom and Gloom or Overblown?

    JLP
    14 Mar 2014 | 11:51 am
    I have been (slowly) working my way through a book titled “Changing Texas – Implications of Addressing or Ignoring the Texas Challenge.” It’s a pretty dry read. I came across this part that I wanted to share with you [brackets] mine: 1. The U.S. workforce is becoming more racially and ethnically diverse; 2. The racial and ethnic groups that are less well educated (e.g., Hispanics) are the fastest growing due to higher rates of natural increase and [illegal?] immigration; 3. The increasing rate of retirement of “baby boomers”–the most highly educated…
  • As Goes January…?

    JLP
    10 Feb 2014 | 7:53 am
    The S&P 500 Index was down 3.46% in January. There’s a saying that goes something like “As goes January…” Well, based on history, that’s not necessarily true. Take a look at the following two graphics. The first one is all the returns (these are total returns) for the month of January listed in order from worst to best. The other column shows the total return for the remainder of that year (February – December). The second graphic summarizes those results, looking only at the Januaries with negative returns. Of the 33 Januaries with a negative return,…
  • The Periodic Table of Dow Jones Total Market Index Sector Total Returns (Through 2013)

    JLP
    2 Jan 2014 | 8:29 am
    Here is a newly-updated Periodic Table of Dow Jones Total Market Index Sector Total Returns:
  • 2013 Total Returns for the S&P 500 and Other Indexes

    JLP
    1 Jan 2014 | 6:30 am
    2013 Wow! What a year. • The Dow Jones Industrial Average was up 29.65% • The S&P 500 Index was up 32.39% • The S&P MidCap 400 Index was up 33.50% • The S&P SmallCap 600 was 41.31% Of the ten indexes I keep track of here at AFM, 7 were up. Of the three that were down, Gold was by far the worst, losing 28.24% for the year. The S&P 500′s 2013 return was its best since 1997 (it ranks 14th in the 88 years that I have data for). You can view the full report (along with the numbers for 2011 and 2012) by clicking on the following graphic.
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    Personal Finance Advice

  • Chipotle Raising Food Prices: How to Get More for Your Dollar

    Jeffrey Strain
    17 Apr 2014 | 1:36 pm
    Your burrito and tacos are going to be a bit more expensive come this summer when you visit your local Chipotle. The restaurant chain announced that it’s planning to raise prices for the first time in three years. The new … Continue reading →
  • Legitimate Ways to Make Money and Work at Home

    Lori Kelley
    17 Apr 2014 | 5:57 am
    A lot of people would love to work at home if they could only find a legitimate job that would allow them to do so. While there are certainly a lot of scams that it’s important to avoid, there are … Continue reading →
  • The 25 Worst Jobs in the US for 2014

    Jeffrey Strain
    16 Apr 2014 | 2:50 pm
    What are the worst jobs in the US for 2014? You might be surprised. Chances are if you think of jobs you would hate to do, you can come up with a list fairly quickly that you would think should … Continue reading →
  • Credit Karma Has No Plans to Offer Free Identity Theft Protection

    Jeffrey Strain
    16 Apr 2014 | 10:09 am
    Credit Sesame made the big announcement that they now offer free identity theft protection to consumers without the need of a credit card. It’s big news in the free credit score business, as this instantly differentiates them from their competitors … Continue reading →
  • 11 Ways to Save Money at Wendy’s

    M. Butler
    16 Apr 2014 | 6:17 am
    No matter where you go out to get a burger, it’s good to have some tricks up your sleeve to save a bit of money. This applies from McDonald’s to Smashburger. Wendy’s is another pretty popular fast food chain and … Continue reading →
 
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    My Open Wallet

  • Update on Mom's Finances

    Madame X
    23 Mar 2014 | 3:46 pm
    I haven't written much about my mom over the last 5 years or so since my Dad died. To make a long story short, it's been too painful and stressful to even think too much about her finances. She didn't want to take any of my advice on how to manage her money and I knew things would go badly.Now I know just how badly they've gone.After my dad died, my mother would have had about $350,000 in various bank accounts-- CDs, mostly. This was what was left of my dad's 401k and a life insurance payment. She also owned her house, with no mortgage.Now, according to what my mom told me yesterday, she has…
  • I Forgot How Much Money I Make

    Madame X
    25 Jan 2014 | 1:33 pm
    Seriously, I can't remember my salary! I was thinking about it just now and I know it is over $100k, but I don't remember how much. At one point it was $102k, but is it now more? $106k? $110k? I have been getting small raises each year, and just got one recently, so I should remember this more precisely, but I just don't. This just seems very unlike me. I pay so much attention to money in so many ways, but much less than I used to. I by no means advocate ignoring these things-- I have always said that paying close attention to your finances is the best way to keep them in control. But on…
  • Happy New Year!

    Madame X
    13 Jan 2014 | 5:33 pm
    My, it's been a while, but I have been a busy girl and have lots to tell. I haven't wrapped up all my final numbers yet but I will give you a spoiler: my net worth is now over $900,000. I am wondering if I dare make my 2014 year-end goal the big One Million! Yikes. My income and spending haven't changed too drastically, or at least I don't think so. I was thinking about guessing which categories would be up or down, and predicted that my lunch spending would be up, just because I FEEL like I have been spending more on lunch... But a quick peek at Quicken told me I was wrong. So who knows…
  • Poverty Among Young Adults

    Madame X
    14 Nov 2013 | 2:26 pm
    Interesting article on the Atlantic's website. Has Being a Young Adult Always Been a Financial Nightmare? Scary charts! The one below kind of made me glad I'm getting old! I shudder to think what the addition of a 2000-2010 date range would look like."Young people have never had it easy, but they (probably) have had it better. By the turn of the century, 20- and 30-somethings were much far likely to experience a stint in poverty than they had been in the 1970s. Rank's newest research implies it's become even more common today.  That said, I think we should be cautious about simple…
  • How to Save Money on Appliance Repair

    Madame X
    1 Oct 2013 | 2:18 pm
    Last night, I saved Sweetie and me about $200 with a fairly minimal amount of effort. Sweetie has a fancy fridge-- not a super-expensive SubZero or anything like that, but a not-cheap fridge with a few extra bells and whistles. So it's been very annoying that it has "broken" a few times over the years, and Sweetie has had to call an appliance repair guy at a cost of about a couple hundred dollars each time.The last time he visited, the doorman who let him in said the guy had spent a lot of time defrosting the freezer with a hair dryer. So this time, when the fridge started losing its cool, I…
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    Lazy Man and Money

  • Aldi – A Different Kind of Grocery Store

    Lazy Man
    16 Apr 2014 | 5:15 am
    Many months ago I saw these Temkin Customer Service Ratings that included the top and bottom rated companies. I noted that USAA is at the top (as it should be) and Comcast and Cox cables services were at the bottom. This is exactly how we feel about these companies, so it wasn't a surprise. My wife feels the same way, so I sent an email to her with the article. Her email back to me was a surprise, "Number 15 is Aldi Grocery. It is opening up near us. I saw the sign when I drove by this AM." As far as grocery stores go, I'm pretty much all set. I've got the military commissary and a Wal-Mart…
  • Deal! Two Years of ESPN Insider (and Magazine) for $9

    Lazy Man
    14 Apr 2014 | 9:45 am
    I usually don't post deals that find on the blog. On Twitter, I do. However, I feel like the blog is for longer articles that are a little more in depth. Today, I'm making an exception, because I think this is a good enough deal that is of interest to many readers. If you don't like sports, you can click away now. Of course, I have to wonder why you are reading this giving the title. I love SlickDeals.net. Sure it costs me some money as I buy things that I might not otherwise. However, it gives me that "shopping fix" on the cheap. I probably buy one item a week from there. This is an example…
  • Devil’s Advocate: Give Uncle Sam a Free Loan!

    Lazy Man
    11 Apr 2014 | 5:15 am
    I was reading an article from Yes I am Cheap suggesting that people Stop Giving Uncle Sam A Free Loan. She's writing about popular finance experts' mantra that you should set your deductions such that you don't get a big refund at tax time. When you do, it means you could have received a little more each month during the past year. By not taking this money when you could, you are letting Uncle Sam use that money for free. He doesn't pay any interest on that money... and it is your money. As Sandy points out, it's far better to be on the side that receives a big refund than having to pay…
  • Planning Meals in Advance Saves Big Money

    Lazy Man
    10 Apr 2014 | 9:56 am
    Yesterday, I wrote about Marriage Tension and Money, which was inspired this graphic in this month's Money Magazine (click for larger version): The real reason that graphic got my attention was the bottom line that 28% of couples frequently argue about "What's for dinner?" My wife and I don't argue about it, but for years that would be the question come around 2PM. The problem was that at that point, we didn't have meat defrosted. I greatly prefer to defrost in the fridge overnight rather than microwave or hot water... it tastes much better. Not only that, but we were limited to the sides…
  • Marriage Tension and Money

    Lazy Man
    9 Apr 2014 | 5:15 am
    This month's Money Magazine had an interesting article asking What's Your Money State of Mind? The article is the result of a survey of 1018 Americans who are 18 or older. The information in the magazine is presented better than the article on the web. It gave more statistics and fewer anecdotal quotes. Regular readers know that I'm more of a statistic guy... anecdotal quotes can be used to show almost anything, even alien abductions. One particular graphic caught my attention. You'll want to want to click on it for a bigger version that will open up in a new window. As the graphic reads at…
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    Free From Broke

  • Four Simple Ways to Cut Household Expenses

    Contributor
    17 Apr 2014 | 3:12 am
    The following was written by none other than personal finance expert Jean Chatzky.  When I got word that she was interested in sharing an article with my readers I screamed (well typed) a big YES in response. I recently wrote a short report — not quite an ebook, not quite a blog post — about how you can save money on household expenses.  I did it to offer up the tips I use in my own home, and so far, the downloads have been off the charts. This is clearly something we all care about. When Glen asked me to guest post, I knew that pulling my favorite tips from this report would be a big…
  • Free Tax Day Snacks, Giveaways and Deals

    Melissa
    15 Apr 2014 | 8:56 am
    You got all your forms and receipts together to tackle your taxes. Did you file everything yet in or are you still procrastinating? If you are really one of those last minute folks then you better make sure your return is in either electronically by day’s end or post-marked by the end of the day on April 15th (expect the post office to be crowded). To help everyone get over the tax-day malaise, there are a number of stores that are offering up free tax day snacks, giveaways, and deals. These companies are helping ease your tax woes: Arby’s – For the 4th year in a row…
  • To Itemize or Take the Standard Deduction, That is the Question

    Contributor
    10 Apr 2014 | 7:40 am
    When life becomes more complicated, so do your taxes. As you claim dependents, purchase a home, or are involved in a major loss or theft you can claim specific items on your taxes that will reduce your tax burden. Other reasons such as owning your own small business, earning money in more than one state, or if you have investments or property that can be claimed as a loss then your taxes become slightly more difficult to file. Most single people will file a Form 1040-EZ, but if you have any type of deduction that is greater than the standard deduction it may be best to file using a Form 1040.
  • Where’s My Tax Refund? How to Check the Status of Your Tax Refund

    Miranda
    9 Apr 2014 | 5:23 am
    When you are expecting a tax refund, it is normal to file a little bit early. The very next thing you say once you file is “where’s my refund?”  We can’t wait to get that money owed to us. Indeed, many people have already received their tax refunds. When you get refunded depends on two main factors: How you filed (mail or e-file) How you receive your refund (paper check or direct deposit) If you mail in your tax return, and opt to receive your refund in the form of a check from the United States Treasury, it can take as long as two months or more to see your tax…
  • File Later Or Fix A Mistake? – Extension of Time to File Taxes vs. Amended Tax Return

    Miranda
    8 Apr 2014 | 9:36 am
    This year, you have until April 15 to file your tax return (some years the date is off). But that doesn’t mean that you’re ready to file. You might want a little more time to get things together, or you might need to make changes to an already-filed return. It is important to understand the difference between a tax extension and an amended return. Read on and you’ll know for sure which of these 2 choices is right for you. Extension of Time to File Taxes If you don’t think that you will be able to complete your tax return on time, you can file a Form 4868. This short…
 
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    Blogging Away Debt

  • The Tax Man Taketh

    Stephannie
    17 Apr 2014 | 1:00 pm
    Ugh, taxes.  We have never owed before, but this year Uncle Sam held his hand out for about $2,300. It hurt, ya’ll. I can’t say that I didn’t have an inkling that this would happen.  For the last couple of years we have adjusted our withholding so that we would not get a refund at the end of the year.  I’d rather have that money year round than let the government hold on to it interest free for a year. Well, last year I did not figure it correctly and it kind of came back and bit me.  Luckily, we had what we needed to cover it.  It impacted our debt…
  • Lesson Learned

    Stephannie
    17 Apr 2014 | 4:00 am
    Before I get into this post I want to say thank you.  Ya’ll just don’t know how much your thoughts, prayers, and stories have helped me. I can’t say it enough, thank you all! Ok, onward and upward! When my husband and I were first married we lived in a teeny tiny apartment.  It couldn’t hold much furniture but the few pieces we did have were hand me downs from various family members. We lived there for a year and then moved into a rent house that was a little bit bigger so, we inherited a few more second hand items.  We always felt like we weren’t really fully…
  • Striking Out on Your Own

    Hope
    16 Apr 2014 | 11:00 am
    Several years ago, I wrote an article on my personal blog about Striking Out on Your Own. I was forced to start my own business because of my priority in staying home with my children.  I have absolutely no regrets about that decision. BUT… My natural tendency is not be the #1 when it comes to business, I am much more comfortable as a #2.  I tried explaining this to my twins as they start feeling out what they may want to do with their lives.  It came out a little bit like this…typically, the head of a company is the visionary, has great ideas, is great with networking and…
  • The Struggle and then Love Steps In

    Hope
    16 Apr 2014 | 3:00 am
    I am really struggling.  The sacrifices for this debt free journey are tough. I am so thankful that I am a natural optimist or I think I would just quit and go get that pedicure I really want or even get my eyebrows waxed!  Yes, that is my reality.  We are eaten frozen meals and Ramen to fill in the gaps between our healthy, budget conscious meals.  And I am envious of my little ones regular movie attendance with their dad, even if it is to a cartoon movie. Ok, I know I sound really whiny, but I miss shopping, new shoes, going out to eat!  I hate having to say ‘no’ to my…
  • Top Ten Most Popular Personal Finance Books of All Time

    Jim
    15 Apr 2014 | 1:00 pm
    note:  this list is not my own, they are according to Amazon’s best sellers of all time.   Who here can disagree that personal finance is one of the most important skills you can possibly learn?  It’s sad that most people are naturally born with this trait and we know most schools don’t teach this subject. Like everything in life, you can possibly beat the curve ball with someone to guide you and teach you about the value of holding onto your money, using it to make even more money.  Sometimes your parents are these people, sometimes it is a mentor you have to pay for, or…
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    Clever Dude Personal Finance & Money

  • Loyal3 Investment Update #1

    Brock
    16 Apr 2014 | 3:41 am
    At the beginning of March, I opened an account with Loyal3 and invested a small amount of money in one of my favorite bar and grill restaurant, Buffalo Wild Wings. I only invested $60, but the point wasn’t to get rich quick. The goal was to simply to play around with the stock market and see if an average joe like myself could make some money in the stock market using an easy to use trading platform like Loyal3 After about six weeks, it’s time to see how my investment is doing. Current value of my $60 investment: $58.43 Everything I read about Buffalo Wild Wings is positive.
  • Sampling Grapes In the Produce Section: Smart, or Just Being Cheap?

    Brock
    14 Apr 2014 | 3:16 am
    Image courtesy of Sura Nualpradid / FreeDigitalPhotos.net Walking through the produce section, I glanced down at my grocery list and saw that grapes were on the list.  I rolled my cart to the cooler section stuffed with separate bags of red and green grapes.  My wife’s words replayed in my head from when we sat at the kitchen table meal planning and making out list for this week’s trip to the grocery store. “Get some grapes, but only if they’re good.” They certainly looked good, but from experience I know that looks can be deceiving.  I casually looked around, and not seeing any…
  • Clever Posts Of The Week – April 11th

    Brock
    11 Apr 2014 | 4:39 am
    I completely forgot the significance of the day as it passed, but April 1st was my one year anniversary of writing here at CleverDude! I can’t believe it’s been a whole year already! It’s been a great twelve months sharing my experiences, and interacting with the readers here at CleverDude.  I’ll hope you’ll all stick around, I’m just getting warmed up! Feeling overwhelmed by finances? Time to grab a pen from Money Bulldog You’re so skinny, eat a cheeseburger! from Fitnancials 9 Things Your Yard Needs For A Great Spring from Money Beagle Work Stress –…
  • An Easy Way To Protect Yourself Against False Vacation Rental Charges

    Brock
    9 Apr 2014 | 6:32 am
    Image courtesy of Stuart Miles / FreeDigitalPhotos.net “What are you doing?” asked my wife as she noticed me walking around the rental house snapping pictures, “I want to get going!” It was 6am, and we were trying to get on the road to make the twenty hour drive back home from Florida. We had rented a house for the week with some friends of ours and had some issues, although relatively minor, with the vacation rental management company. Something in the back of my head told me to document the state in which we left the home. All the towels had been piled in the laundry room, all the…
  • What Would You Do: Is the Customer Always Right?

    Brock
    7 Apr 2014 | 4:02 am
    Image courtesy of imagerymajestic / FreeDigitalPhotos.net “The customer is always right,” the saying goes. But is that always true? Consider the following two scenarios, both of which I witnessed while on vacation last week: A customer ordered an appetizer of crab dip which came with a side of large fried pita chips to dunk in the dip. The customer complained that the pita chips were chewy and stale, and asked for a fresh batch. The server complied, and a few minutes later a new appetizer was delivered with apologies. A customer ordered a drink from a restaurant’s specialty drink…
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    Don't Mess With Taxes

  • Missed the tax deadline? Quit making excuses for not filing and take these three steps now

    skbell1
    17 Apr 2014 | 11:25 am
    April 15 came and went without you. Maybe you had a good excuse for not filing. Much better, I hope, than this guy's glib offering at Twitter's #TaxDayExcuses: The nonfiling excuses are still coming in today over at Twitter. Go ahead and enjoy reading them. But if you are part of that group, you also need to do something about your oversight ASAP. Accruing costs: The bottom line is that despite your reasons for neglecting your Tax Day duties, it's likely costing you. When you don't file your annual federal tax return -- and pay any tax due -- by April 15, you could end up…
  • What would you say in a letter to the IRS? Former Secretary of Defense Donald Rumsfeld decries tax code complexity

    skbell1
    16 Apr 2014 | 11:13 am
    I've occasionally jotted a note on a 1040. Usually it was to bring Internal Revenue Service attention to an attachment I included or to explain why an examiner might find an entry, shall we say, intriguing. But for the most part, I don't carry on written conversations with the tax man or woman. Donald Rumsfeld, however, takes a different position. The former secretary of defense who most recently served in the George W. Bush administration apparently writes a letter to the IRS each year and sends it along with his tax return. We know this thanks to Rummy's announcement on Twitter: Rumsfeld,…
  • Weekly Tax Tips are back!

    skbell1
    15 Apr 2014 | 11:48 pm
    For most of us, tax filing season 2014 is over. Around 10 million of us, however, asked the Internal Revenue Service for more time, up to Oct. 15, to send in our 1040s. And taxes are a constant consideration, especially if we want to make sure we pay Uncle Sam the smallest possible amount. So the Weekly Tax Tip is back! Every Wednesday, starting today, April 16, and going through the end of the year, you'll find a featured tip in the upper right column of the ol' blog. Check it out for ways to finalize your 2013 return if you got an extension, cut your 2014 tax bill, make filing in…
  • Extended tax filing deadlines for certain Colorado, Washington State and Massachusetts taxpayers

    skbell1
    15 Apr 2014 | 1:03 pm
    April 15 is the federal individual income tax filing deadline. It's also the filing deadline for tax returns in 38 states and the District of Columbia. But sometimes those deadlines get extended. That's generally good news for filers, but sadly it's also usually because something bad happened. Washington State mudslide tax relief: That's the case for residents of the Oso, Wash., area. That community in Snohomish County was declared a major disaster area after a deadly mudslide on March 22. Snohomish County, Wash., April 4, 2014 -- Local rescue crews erect American flags at…
  • Happy Tax Day 2014! Now quit partying and file something!

    skbell1
    15 Apr 2014 | 8:00 am
    April 15 is finally here! You can celebrate after you file something. As today's final 2014 filing season Daily Tax Tip points out, you have two choices as to what to send the Internal Revenue Service. You can finish and file your 2013 tax return. Or you can submit an extension request. Choose one option or be prepared to pay the IRS more money. Uncle Sam is serious about getting some sort of official document from you today. He actually has stiffer penalties for not filing than not paying. So get to work on one or the other. Timely filing: The IRS considers your return as filed on time…
 
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    Money Smart Life

  • How to Make the Most of Underemployment

    Miranda
    14 Apr 2014 | 6:00 am
    In many cases, underemployment means doing work you don’t enjoy for less than you’re worth. Sometimes, being underemployed means only working part-time hours, even though you want to work full-time. Underemployment can be a drag on your morale, and it is especially difficult, since you can’t usually collect unemployment benefits when you’re underemployed, so you end up struggling financially. Here are some of the ways that you can make the most of underemployment: 1. Improve Your Marketable Skills If you want a better job, it can make sense to improve your marketable skills. In some…
  • Seven Steps to Investing in Yourself

    Ben Edwards
    10 Apr 2014 | 3:43 am
    Many of us spend the majority of our lives investing in other people’s projects and dreams.  We work long and hard each day to achieve the goals of our employers. We pay 15–45% of our income in taxes to pay for the plans and efforts of our country, state, and county. We invest our money in small and large corporations for a return so they can use it to earn multiple times that return. We’re using a lot of our time and money to further the cause of things bigger than us.  If you’d like to make an investment in yourself for a change, here are some tips you…
  • How to Stay Motivated While Looking for Jobs

    Miranda
    7 Apr 2014 | 9:00 am
    It’s not fun being unemployed or underemployed. In fact, there are a number of studies that indicate that being unemployed can be bad for health, and long-term unemployment and underemployment can be more damaging to your overall mental health and wellness than many other negative life events. One of the issues is that it can be difficult to stay motivated as you look for a new job. It’s hard to focus when you don’t have a purpose for your day, and many people take a self-esteem hit when they’ve been unemployed for long periods of time. After awhile, motivation…
  • What You Shouldn’t Do After a Layoff

    Kevin Mercadante
    31 Mar 2014 | 11:08 am
    You’ve cleaned out your office and moved everything back home. There’s some severance pay coming and unemployment should start before too long. Now you have all the time in the world. What you do with that time – and what you avoid doing with it – will make all the difference in how quickly you find a new job. Naturally, you should give priority to looking for a new job. That’s pretty obvious. But there are also some very destructive things you shouldn’t be doing. Unless you consciously resist them, you’ll fall into doing them by default. What are activities you should avoid? 1.
  • How Peer-to-Peer Sites Can Help You Borrow Money

    Miranda
    24 Mar 2014 | 9:00 am
    One of the most difficult situations you can find yourself in is when have lost your job, or your hours are dramatically cut. In some cases, you might be looking for a way to extend your emergency fund, or get a little help as you look for a new job. Peer-to-peer (P2P) lending sites can help you borrow money to get back on your feet, and can also be a convenient way to get help from family and friends. Peer-to-Peer Lending The idea behind peer-to-peer lending is that you can get help from people who are more or less like you. It’s possible for you to borrow from those who are willing to…
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    Queercents

  • Free “Don’t Tread On My Obamacare” Sticker

    DJ
    21 Mar 2014 | 4:09 pm
    Get your free Obamacare bumper sticker and show the world you’re proud of health care reform. All you have to do is connect with OFA on Facebook, and they will send you a brand-new bumper sticker free of charge. Get it here!
  • Partners Can Get Credit Cards Again Thanks to New Rule

    DJ
    9 Jan 2014 | 6:55 pm
    Gay marriage is not legal everywhere but here is one cool loophole or way to get extra credit and card bonuses for you and your partner who live in the same household. The CARD Act caused some problems when it came online and previously required banks to evaluate borrowers based on their own income instead […]
  • Free Pope Francis sticker

    DJ
    18 Dec 2013 | 1:27 am
    It’s been awhile since we had a Pope to have “hope” in and as much as that rhymes we were definitely glad to see him takeover the cover of Time and the Advocate magazines as Person of the Year.  How about a freebie to celebrate with a Free Pope Francis Sticker.  Get it here!  The […]
  • Winners and Losers of Marijuana Legalization

    DJ
    19 Nov 2013 | 4:05 pm
    The fight to legalize marijuana for recreational use in the United States is finally getting closer and closer to it’s tipping point. Bill Maher claims this is the new ‘Gay Marriage’ issue although we are still fighting for gay rights. Most Americans are starting to agree that we should not only have our civil rights […]
  • Free Americans for Obamacare sticker

    DJ
    10 Oct 2013 | 11:03 pm
    Free Americans for Obamacare sticker by clicking over to this organizations page, you’ll get an email confirmation once it is submitted.
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    MoneyNing

  • The Surprising Place I Taught My Daughter About Money

    Travis Pizel
    17 Apr 2014 | 5:00 am
    I never would’ve imagined that a simple trip to Target could have evolved into such a great financial learning opportunity for my eleven-year-old daughter. The automatic doors opened before us, my daughter’s purse slung over her shoulder. We headed to the video section, as she was looking to purchase her very own copy of “The Hunger Games: Catching Fire,” which had recently been released. She mentioned she also wanted to get a slushy from the deli on our way out. “You sure you have your money with you?” I asked. She opened her purse, carefully counted out twenty five…
  • 3 Ways to Catapult Your Career Growth (#1 is My Favorite)

    Alexa Mason
    16 Apr 2014 | 5:00 am
    In today’s economy, finding a good job can be tough — and experiencing career growth can be even tougher. That’s why it’s so important to build your personal brand and bring your A game every day. If you’re tired of your career remaining stagnant, here are three ways to catapult its growth: 1. Push yourself outside of your comfort zone every day If you want to experience growth in any aspect of your life, you have to push yourself outside of your comfort zone. When it comes to your career, you’ll remain stagnant if you let yourself get too comfortable. This can be especially…
  • How Much Do You Need to Save for College?

    Miranda Marquit
    15 Apr 2014 | 5:00 am
    My 11-year-old son has started thinking about college. Right now, he claims that he’ll either stay here, and wear the white and blue of the Utah State Aggies, or that he’ll head down south to SUU, in the town he was born — and where his father and I met. If he decided to go through with those plans, it would be great. We’ve got a 529 plan going for him, and neither of those schools is expensive. Plus, since we’re connected with both of them, he’s eligible for legacy discounts. The reality, though, is that he’s 11 years old, and still thinks his…
  • First Baby? Here are 4 Products Worth Splurging On

    Emily Guy Birken
    14 Apr 2014 | 5:00 am
    The first time I walked into Babies”R”Us when pregnant with my first child, I felt overwhelmed almost to the point of hyperventilating. There were so many products out there — and it felt like every single purchase I made would determine my child’s fate. Four years and another baby later, it’s clear to me now that baby gear manufacturers and retailers probably want you to be panicked. It’s much easier to sell unnecessary items to frightened and overwhelmed parents, since you’ll be happy to buy any product that will help you feel more in control. But just like any…
  • Another Giveaway for a Toshiba Chromebook

    David Ning
    14 Apr 2014 | 4:13 am
    The Hotels.com giveaway was so overwhelmingly successful the guys from CouponPal decided to do it all over again. This time they are giving away a Toshiba Chromebook, and we’ve partnered with them one more time to give you a chance to participate in the drawing! The giveaway ends on April 27, 2014, so enter today and good luck! a Rafflecopter giveaway This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here. Related posts: Weekend Getaway Giveaway Book Giveaway: Get Your Retirement Planning on Track in 2014 The Options Playbook by…
 
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    Money Blue Book

  • Health care sharing ministries: An alternative to Obamacare?

    15 Apr 2014 | 5:11 pm
    The first open enrollment period for the Patient Protection and Affordable Care Act, commonly known as Obamacare, has come to a close, and a reported 7.1 million new enrollees are currently settling into their new health insurance plans. Now that open enrollment is over, Americans who chose not to p [...]
  • How lottery tickets are helping people save money

    8 Apr 2014 | 12:42 pm
    Imagine this: You walk into a credit union to open a savings account, and the teller responds by selling you lottery tickets. Odd as it may seem, this type of scenario plays out all over the world. They're called prize-linked savings accounts, and a few states in the U.S. are making use of them to g [...]
  • Helping a financially troubled friend (without spending a cent)

    3 Apr 2014 | 3:41 pm
    So you've done it: Your financial life is under control. You've strengthened your finances by completing most, if not all, of these key financial tasks: Created a budget to ensure you're not spending more than you earn. Stashed some funds in a high-interest savings account in case of an emergency. [...]
  • Help! My teen is a money monster

    28 Mar 2014 | 4:07 pm
    Short of bequeathing them so much money ($150 million each should do it) that they never have to worry about their finances, there are few gifts you can give your kids that could be more valuable than the skills and attitudes they need to be great money managers. By the time they reach their mid-tee [...]
  • Growing your savings with a zero-sum budget

    14 Mar 2014 | 4:32 pm
    People would probably laugh if they saw my checking account balance toward the end of the month. There have been times when I've had as little as $20 in it, and all I could do was count the days until the 1st of the month rolled back around. However strange this may seem, rest assured that it's tota [...]
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    The Dough Roller

  • 5 Factors to Consider Before Using a HELOC for Your Emergency Fund

    Rob Berger
    17 Apr 2014 | 3:00 am
    A reader named Brian asks whether it’s a sound move to use a home equity line of credit as an emergency fund: Rob, I enjoy your podcast, and I have great respect for your approach to personal finance. The 31-Day Money Challenge actually had me looking forward to my daily commute. I have a simple question regarding an emergency fund. We currently have a net worth of about $400,000, which is net of my mortgage of $190,000 and a car loan of $15,000. We maintain an emergency fund of $10,000 earning .85% in a savings account. I am considering opening a HELOC (Home Equity Line of Credit) of…
  • Best Interest Rates for April 2014

    Rob Berger
    16 Apr 2014 | 9:00 am
    Finding the best interest rate is a lot easier today than it was even a few years ago. Here at Dough Roller we track rates on everything from checking and savings accounts to mortgages to CDs. It occurred to me, however, that there was no one single page on the site where you could find the top rate for each type of account. So we created this page, updated monthly, to track the highest (or lowest) rates available. We focus on those financial institutions that have low fees, great rates, and are typically available anywhere in the U.S. You can find local banks and credit unions that offer…
  • DR 054: Motif Investing: Interview with Tuhin Ghosh, Vice President of Investment Products

    Rob Berger
    16 Apr 2014 | 1:00 am
    A number of new ways to make investing easier have launched over the past few years. One is Motif Investing, which I reviewed some time ago. It’s a fascinating way to approach investing, combining low costs and tremendous flexibility. It such a unique option that I invited Motif’s Vice President of Investment Products, Tuhin Ghosh, to the Dough Roller Money Podcast. Here’s a transcript of the interview: Rob: Tuhin, welcome to the show. Tuhin Ghosh: Thanks, Rob. Rob: I appreciate your time today. I’ve always been interested in Motif Investing because it has such a…
  • Financial Decisions are About More Than Math

    Rob Berger
    15 Apr 2014 | 3:00 am
    When it come to financial decisions, you can learn a lot from both Captain Kirk and Mr. Spock. What they teach us – together – is that when it comes to financial decisions, you need to go beyond the math. So much of finance involves math, and we certainly don’t shy away from that here. I talk often about Excel formulas and calculations because the numbers do matter. But they’re not the only thing that matters. If you’re a fan of Star Trek, you know that Mr. Spock is logical. He reasons through everything, and his every decision is based on numbers and…
  • DR 053: Should You Lease or Buy a Car?

    Rob Berger
    14 Apr 2014 | 12:15 pm
    Recently, a reader named John wrote in asking about leasing vs. buying a car. Here is John’s question: I was wondering what your input is in regard to buying vehicles? For example, I’m in the process right now of selling a vehicle for a good buck. Would you suggest reinvesting this money in a used vehicle selling for a small price with low mileage? Or would you suggest leasing? Overall, every vehicle depreciates once you make the buy, so what would the be the best decision here? Leasing or buying used? It’s a question I hear a lot. Monthly lease payments can be a lot lower…
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    Moolanomy Personal Finance

  • 5% Cash Back Credit Cards, April 2014 Promotion Calendar

    Pinyo
    1 Apr 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? What to Do With Your Unwanted Gift Cards Save Money Giving Discounted Gift Cards This Holiday Season How to Find Cheap Gift Cards and Save Money Read the rest of 5% Cash Back Credit Cards, April 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.
  • Best Banks with the Highest Interest Rate for Savings Account

    Pinyo
    2 Jan 2014 | 6:00 pm
    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…
  • How Big Should an Emergency Fund Be?

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

  • Republic Wireless Moto G Review

    Hu$tler
    17 Apr 2014 | 3:20 pm
    The wait is over! Sign up now to get $20 off your first month with an exceptional phone at an exceptional price for the Moto G™- just $149, no contracts! With a 4.5″ Edge-to-Edge HD display, personalized colored backs, and lightning-fast quad-core processor, the Moto G is just $149 on Republic with Plans. My entire family is on Republic Wireless for their super-cheap service plan of $10 per month. Read below on how to save $20 using my referral link! One of the best phones with a very affordable price, the Moto G™ is designed for all the things you want to do—taking and sharing…
  • Citi Hilton HHonors Visa Signature Card Review

    Hu$tler
    17 Apr 2014 | 3:13 pm
    Sign up today! Offer Expires 4/18/14 Citi Hilton HHonors Visa Signature Card offers $50 Statement Credit and 50,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening. You get 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio. There is no annual fee. Citi Hilton HHonors Visa Signature Card Review The Citi® Hilton HHonors™ Visa Signature® Card is now offering $50 statement credit after spending $50 on your first stay at any hotel and resort within the Hilton HHonors Portfolio and 50,000 Hilton HHonors…
  • Visa Savings Edge Review: Enroll Visa Business Cards

    Hu$tler
    17 Apr 2014 | 2:45 pm
    Those with a Chase Ink Bold or Chase Ink Plus Visa version, you may want to sign up for the Visa SavingsEdge Program for all the perks. Visa Savings Edge allows Visa business cards to earn more rewards on top of your card issuer rewards. You’ll earn anywhere from 1-20% cash back for purchases at participating merchants with an enrolled Visa business card. The cash back appears automatically as statement credit. Simply register your Visa business card, the program is free to join then shop at participating merchants to earn cash back. Visa Savings Edge Program: Find out if your business…
  • Featured Cash Back Credit Cards, April 2014

    Hu$tler
    16 Apr 2014 | 2:14 pm
    Americans are good at spending money. Really good. With all the money that flows in and out of our households, it makes sense to try to capitalize on that. When we spend wisely or reward businesses with our purchase, shouldn’t we in turn be rewarded for doing business with them? Now more than ever, credit card companies are offering ways to do that with several cash back credit cards. “Bonus points”, “cash-back programs”, “spending incentives”, and “rebates” are just a few of the terms frequently tossed around by reward-savvy consumers in…
  • BancorpSouth Bank Checking Account $25 Referral Bonus

    $aver
    16 Apr 2014 | 2:06 pm
    When you refer a new customer to BancorpSouth Bank and they open a new checking account, you will both earn a $25 bonus. Hot Deal: 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 Online Bill Pay. Earn $1,000 in bonuses by referring friends and family! Full Review BancorpSouth Bank Checking Review: $25 Referral Bonus BancorpSouth wants to help you make your life easier and more convenient for you so they offer a number of personal checking account options and services that make…
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    Cash Money Life | Personal Finance, Investing, & Career

  • Could You Make Money in the “Sharing Economy”?

    Miranda Marquit
    17 Apr 2014 | 2:35 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Could You Make Money in the “Sharing Economy”?. If you’ve been paying attention to trends in the world of business and finance, you probably know that there has been increased interest recently in what is known as the “sharing economy.” In this setup, you make money by sharing your own resources, usually your car or your home. According to an estimate from FlightCar, the sharing economy was worth $3.5 billion in 2013. That’s not a bad pie — if you…
  • What Happens if You Miss the Tax Deadline?

    Ryan Guina
    14 Apr 2014 | 7:14 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What Happens if You Miss the Tax Deadline?. Tax Day is right around the corner, and if you have already filed your taxes, that means you can relax – tax season is over until next year! But if you didn’t file your taxes or didn’t file a tax extension, then this article is for you! Let’s take a look at what happens if you missed the tax deadline, how you can file an extension, what happens when you don’t file your taxes and you owe money (penalties and fees!),…
  • Do You See Your Retirement Contribution as a Loss? Getting Past Roadblocks to Investing

    Miranda Marquit
    11 Apr 2014 | 4:58 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Do You See Your Retirement Contribution as a Loss? Getting Past Roadblocks to Investing. Not to long ago, I was listening to a discussion on NPR about why people have a hard time saving for retirement. One of the reasons that many people have a hard time getting excited about saving for retirement, according to this discussion, is that they view retirement account contributions as a loss. And that makes it hard for them to decide to invest. Aversion to Loss Do you feel like your retirement…
  • 7 Tips for Investing in Dividend Stocks in Any Market

    John Schroeder
    9 Apr 2014 | 4:24 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 7 Tips for Investing in Dividend Stocks in Any Market. Are you holding off investing because you think the stock market is too high? Have you overpaid for stocks in the past and are worried about paying too much again? These are questions I ask myself almost every day. Like many other investors, I have been really burned in the past from overpaying for stocks. Dividend Stocks are a good investment in bear markets and bull markets. A few years ago I decided to take a new approach to…
  • Investing in Bull Markets is Easy – But What About Bear Markets?

    Kevin Mercadante
    7 Apr 2014 | 7:38 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Investing in Bull Markets is Easy – But What About Bear Markets?. The past five years have been easy ones for investors – bull markets usually are. But what about bear markets? It’s one thing to invest in the stock market when general price levels are rising, but quite another when the momentum reverses. This is not an attempt to predict a bear market, just to say that after five rising years, the tide could turn any time. Will you be ready when it does? Anyone can look like an…
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    Grad Money Matters

  • What You Should Think About Before You Rent Retail Space

    GMM
    16 Apr 2014 | 2:00 am
    If you have finally decided that you need a physical location for your business, the next step is actually finding a location for your business. This can be stressful though, because the location of your business can sometimes make or break your business.Below are things that you will want to think about before you make a contract on a retail space.Where’s your target market?When you are looking for a new retail location, you should think about where your target market is. For example, if you are opening up a clothing store for teenage girls, then putting a contract on a location that…
  • Keeping Track of Finances When Self-Employed

    GMM
    15 Apr 2014 | 4:00 am
    Taxes are due today if you are located in the United States, but I’m sure you knew that. If you are newly self-employed, then you may have come across the problem of having a hard time filing your taxes because of unorganized finances.Tax time is already overwhelming enough as it is, and if you have a new business then it is an all new form of overwhelming stress that is probably taking over your life. There are many things that you can do to make your business’ finance much more simpler and easy when tax time finally rolls around again next year.Keep all receipts.This can get…
  • Negatives of Working At Home

    GMM
    14 Apr 2014 | 2:00 am
    Here at GradMoneyMatters, we talk a lot about working at home and how great it can be. However, working at home isn’t for everyone. Many people each year make the switch to work at home only to switch back a few months later because they find out that working at home isn’t for them.Here are a few of the negatives of working at home and why it might not be for you.You might get easily distracted.If you work from home, it can be very hard for a person to stay on track and not get distracted. When at home, it can be easy to turn on the TV, grab a quick meal, go outside, or do…
  • I’m a Teacher, How Can I Make Extra Money?

    GMM
    11 Apr 2014 | 3:00 am
    If you are a teacher, then you are probably extremely busy, but you also probably don’t make the best income. And, if you are young and new to the teaching world, then you probably make a lot less than your peers who have been teaching for years and/or decades.If you are looking to make extra money, there are several different ways for you to make money. Always check in with your school though to make sure that you can do certain things, because sometimes there may be rules against certain professions.Here is an infographic that I found online that may help you earn extra money.
  • Becoming A Wedding Planner

    GMM
    10 Apr 2014 | 3:00 am
    If you are looking for a way to make a full-time or even just a part-time income, wedding planning may be an option for you if you enjoy weddings. Planning a wedding for someone else can be a lot of fun, but in many cases you also need a passion for weddings in order to be successful with this job.However, before you think about becoming a wedding planner, there are certain questions that you should ask yourself:Do you mind working on the weekends? Most weddings take place on the weekends and in the Spring and Summer. If you don’t want to work during these times, then becoming a wedding…
 
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    brip blap

  • avoiding the Waiting Place

    Steve
    13 Apr 2014 | 5:48 am
    If you’ve read my blog for any length of time (or for that matter, talked to me in person) you’ll know that I have been an avid proponent of consulting as a career choice for a long time.  I started my career working for two of the biggest consulting firms in the world, and spent almost 9 years as an independent contract consultant. Spent? I have written again and again about the benefits of consulting: we are all consultants now is it a good idea to be a consultant?  how to become a successful consultant  15 reasons why you might want to be a consultant  consulting  But one…
  • how to make money without a job and why you should

    Steve
    19 Jan 2014 | 4:00 am
      Spend less than you earn is the wrong way to think! Your time will be much better spent thinking of more ways to make money than it will be thinking of ways to save money. Chances are good if you read this blog that you’ve already given some thought to alternative income, but let’s back up. “It is better to have a permanent income than to be fascinating.” – Oscar Wilde Everyone has a primary source of income. Usually it is a traditional job – an employer who asks them to show up from 9 am to 5 pm, file a TPS report and pay an ungodly amount of taxes for…
  • it’s the possibility of having a dream

    Steve
    2 Nov 2013 | 8:00 am
    “It’s the possibility of having a dream come true that makes life interesting.” – Paulo Coelho, from The Alchemist, a book I can’t recommend highly enough.   The post it’s the possibility of having a dream appeared first on brip blap.
  • what are the benefits of a virtual office?

    Steve
    16 Oct 2013 | 7:13 pm
    Not all business owners are able to splurge on start-up costs or office furniture. For individuals that are in need of an office space but are on a budget, virtual or serviced offices can be the perfect solution. Virtual offices (also called ‘serviced offices’) offer small businesses many financial benefits. Furniture can be a very expensive bill for new and existing businesses. Virtual and secured offices are able to eliminate many costs by providing furniture and other office equipment. Individuals are able to comfortably conduct business in a personal office or hold meetings…
  • 9 characteristics of a great job

    Steve
    11 Dec 2012 | 6:54 pm
    Q: Did you always dream of drawing and writing, or were you about to happily settle for a so-called normal job? Was it the misery of “humiliating and low-paying jobs,” or the joy of drawing and writing, that pushed you this way? A: I pursued a normal job so I wouldn’t starve to death while figuring out how to have an extraordinary job. I just didn’t know how it would play out. –Scott Adams, creator of Dilbert (link) How can you find an extraordinary job? What’s the secret to a fulfilling career? The perfect job. Who doesn’t dream of finding that perfect job? Flexible…
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    Poorer Than You

  • Poorer Than You is on Hiatus

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

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

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

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

    Stephanie
    3 Feb 2014 | 9:18 am
    I’m officially declaring this “The Most Topsy-Turvy Month Ever.” Why? Because even though the worth of my assets went down in several key categories, the reasons those decreased were not bad; and even though my total net worth increased this month, the reason it did so is bad. Welcome to Bizarro World, folks! Change: +$1,117 or +16.96% January Net Worth: -$5,469 The Good-Bad (Where I Lost Money) My cash reserves went down by a staggering $3150 dollars in January. That’s because I finally paid out money for two things I’ve been saving up for: my upcoming vacation in Ireland (now paid…
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    The Wisdom Journal

  • Why I Left My Cushy Corporate Job To Strike Out On My Own

    Ron Haynes
    14 Apr 2014 | 12:39 pm
    Some of you will think I was nuts. Some of you will understand. But one thing I do know, I’m writing this article more for me than for anyone else. Sometimes I need to think on paper (or on my blog) and nothing is better than seeing your thoughts in print … especially when you’re going from a corporate job to one as a Human Resources and Management consultant. My old job wasn’t exactly cushy, but as jobs go, it wasn’t too bad. Expense account, decent wages, company laptop and cell phone, car allowance, title, laser printer, working from home … it all sounds…
  • Office Politics – How to Manage Your Boss, Your Co-Workers, and Yourself

    Ron Haynes
    11 Apr 2014 | 11:02 am
    Office politics are no different than any other politics. They are a generalized set of (mostly unwritten) rules that govern how we interact with each other. You may be thinking, “Nice definition, Ron, but office politics are what gets me in trouble, keeps me from advancing in my career, and keeps me from making a decent wage.” How you view the politics in your office will go a long way toward making you more likable, increase your chances for promotion, and help you at salary review time. Office politics aren’t about competency but likability and the ability to grant…
  • Beware of These Four Tax Preparation Scams

    Ron Haynes
    8 Apr 2014 | 3:30 am
    Though most people who prepare tax returns are professionals and render correct, honest, thoughtful and excellent service to their tax return clients, some DO occasionally make a basic math error of miss a deduction. Those aren’t the people you need to beware of. No, I’m talking about the fly-by-night types that engage in fraud and other illegal activities. These scammers set up shop one day and are gone a few weeks later. When the unsuspecting tax filer discovers their mistakes and fraud, these guys are no where to be found. Dishonest tax return preparers can cause big trouble…
  • Don’t Panic: There’s Still Time To Complete Your Taxes

    Ron Haynes
    3 Apr 2014 | 6:45 am
    Yes, the deadline is just around the corner but even if you’ve waited until today, you still have time to get your taxes completed. Even if you don’t think you have time, you can always use one of the big tax software firms to file IRS form 4868, getting an extension until August. Get ‘em done or get ‘em extended by using: TurboTax April 18th Alert! You Can Still Do Your Taxes FREE & Get Your Maximum Refund with TurboTax! FREE to Prepare, to Print, to E-File with TurboTax! E-File and Get Your Max Refund in as Few as 8 Days with TurboTax.com! H&R Block H&R Block At Home…
  • It’s Time To Get Serious About Your Taxes

    Ron Haynes
    2 Apr 2014 | 1:00 am
    Are you one of the 40 million US taxpayers to file a tax return after April 5th? That number represents around 30% of all tax returns! If you haven’t gotten started on your tax return just yet, if you want to meet this year’s deadline, today’s the day to get started and getting started is easier than ever if you use TurboTax or H&R Block Online. This year I used Turbo Tax – the #1, best selling tax software! All you have to do, once you’re on either of these sites, is enter your personal information. Once you’ve gotten past that point, you can enter the…
 
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    Everybody Loves Your Money

  • Earning More Money vs. Spending More Money: Which is Better?

    Alexa
    15 Apr 2014 | 9:15 pm
    Photo Credit: Ratch0013 If your financial life isn’t panning out like you’d hoped you have two choices: earn more money or save more money. While both of these options will help improve your finances the key is using them together. In some situations, though, it’s clear that one method will be far more beneficial than the other. Let’s take a look. Is it more important to earn more money or save more money? Saving More Money I’m all for saving money – by making smart purchases and stashing away as much as cash as possible. But I’ve got to admit that the trendier being frugal…
  • Is Technology Making You Poor?

    Alexa
    13 Apr 2014 | 9:15 pm
    Technology is constantly changing. As soon as you get used to the latest phone/tablet/device something newer and better comes out. While technology can make your life a little bit easier, it could also be making you poor. Here’s why. # 1 – Keeping Up with the Joneses (Social Media) Social media can be the gateway to ultimate envy if you let it be. Facebook has become the place for people to air every little detail of their life. When you browse your Facebook feed you see pictures of people you barely even know in their new cars, clothes, homes, and of course, on vacation. This can stir up…
  • Link Love 4/11/14

    Alexa
    10 Apr 2014 | 9:15 pm
    Photo Credit: Jesadaphorn Happy Friday! Here are some of my favorite articles from the week. Enjoy! An Open Letter to Parents: What Nobody Else Will Tell You @Studenomics The Eights Deadly Sin: Chasing Yield @Income Surfer Five Ways Perfectionism May Be Hurting Your Financially @Cashville Skyline What Would You Do: Is the Customer Always Right? @Clever Dude Are Your Financial Goals Preventing You From Reaching Other Goals? @Plunged In Debt 10 Things I Won’t Do to Save Money @Savvy with Saving Have a good weekend
  • Investing Lessons from “The Wolf on Wall Street”

    Alexa
    8 Apr 2014 | 9:15 pm
    Photo Credit Raise your hand if you’ve seen the movie The Wolf on Wall Street. Now, raise your hand if you thought it sucked. Really, I’m the only one?! The Wolf on Wall Street is based on the real life accounts of Jordan Belfort. Belfort was a con-artist stock broker who made millions of dollars by selling penny stocks to his clients. He promised riches to unsuspecting people while putting nearly half of their money into his own pocket. Honestly I was a bit appalled by this movie (it was more like porn in my opinion.) Nevertheless, there were a couple valuable pieces of information we…
  • 6 Sources of Retirement Income

    Alexa
    6 Apr 2014 | 9:15 pm
    Just as I like my regular income to be, I also want my retirement income to be diversified. You’ve heard the saying a hundred times – “don’t pull all your eggs in one basket.” And, there’s a good reason why: when you spread your income sources across various avenues you won’t be hurt if one source takes a turn for the worse. Here are six sources of retirement income you may want to consider. Retirement Accounts Retirement accounts like 401k’s and IRA’s should play a large part into funding your retirement and these accounts are usually the best places to start. If your…
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    One Frugal Girl

  • I’m Still Here

    One Frugal Girl
    5 Apr 2014 | 3:03 pm
    My postings have been quite sporadic over these past two months. I seem to fill my week with an assortment of activities which either involve entertainment for my son in the form of trips to the playground and toddler classes or trips to medical professionals to help me with my newly diagnosed neuropathy. I am grateful to all of my long time readers who left comments and sent emails about my illness. I was in a very dark place two months ago and your words lifted my spirits more than you could ever imagine. One evening my husband came up to check on me and I collapsed into a puddle of tears.
  • $1500 Slipped Through My Hands

    One Frugal Girl
    26 Mar 2014 | 2:13 pm
    In the past four weeks I spent over $1500 on treatments to cure neuropathy caused by antibiotics! Here is a snapshot of those costs. $45 – Reiki Treatment $55 – Therapeutic Massage $150 – Acupuncture Consultation and First Treatment $85 – Acupuncture Treatment $85 – Acupuncture Treatment $255 – Another Acupuncture Consultation and First Treatment $110 – Acupuncture Treatment with Second Acupuncturist $300 – Five Therapeutic Massage Treatments $178.95 – Three Months Worth of Vitamins $30 – Copay to Neurologist $157.48 – General…
  • Two Quotes for Very Gloomy Days

    One Frugal Girl
    11 Mar 2014 | 5:53 pm
    Years ago a friend bought me two refrigerator magnets. These days my fridge is overloaded with photos of my son playing and laughing, but right on the front amidst those images are two beautiful quotes that keep me moving on dark, gloomy days. The first reads: for a long time it seemed to me that life was about to begin – real life. but there was always some obstacle in the way, something to be gotten through first, some unfinished business, time still to be served, a debt to be paid, at last it dawned on me that these obstacles were my life, this perspective has helped me to see there…
  • The Power of Money When You Are Sick

    One Frugal Girl
    8 Mar 2014 | 2:04 pm
    I have so many thoughts swimming in my head these days and seem to find so little time to type them into my computer. As I mentioned a few weeks ago I’ve been struggling with medical problems that resulted from antibiotics. I won’t lie. The condition is painful and I’m having a difficult time concentrating on anything other than not feeling well. I have a lot of pain in my legs and feet while I’m sleeping and I typically wake up quite grumpy and blah. For the first four or five minutes I think “Why me?”, “Why am I stuck with another medical…
  • Blogging For Money

    One Frugal Girl
    5 Mar 2014 | 4:00 am
    This post is part of Women’s Money Week 2014. I started this blog in 2006. In fact, next week marks the anniversary of it’s creation; eight years since I created my very first post! There weren’t a ton of personal finance blogs in existence back then, but I’ve always been interested in the topic and decided to distract myself from physical ailments by blogging about money and my relationship with it. At some point along the way I began adding advertisements to the sidebar and attempting to gain referral money from a number of different websites. Eventually I permitted…
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    My Dollar Plan

  • How to Handle an Income Tax Audit

    Kristen
    17 Apr 2014 | 6:29 am
    The thought of being audited by the IRS can be horrifying. Much of that fear probably comes from not really understanding an audit. In many cases, people don’t understand how or why they are getting audited, what they need to do once they find out they are being audited, and what happens next for them. IRS Tax Audit After the tax deadline has passed, and while you wait for your tax refund to show up, let’s find out more about a tax audit. Before you stress about being audited, here is exactly what being audited means, how to avoid it, and what to do if you happen to get audited. Photo…
  • Are You Worried About Your Financial Future?

    Don
    16 Apr 2014 | 6:29 am
    Are you worried about your financial future? Scared about being able to afford to retire? Maybe you are scared about affording health care or if an emergency will wipe you out. If you have any of these concerns, it is time to face your fears head on and start making things happen so that if anything unfortunate should happen you will be able to afford to handle them. Of course, the same applies to being able to afford retirement. If you want to retire one day, you need to start working on things now. What If You Just Ignore Your Financial Future? Ignoring things seems as though it’s the…
  • Easy Ways to Spend Your Tax Refund the Right Way

    Kristen
    15 Apr 2014 | 6:29 am
    The tax deadline is here! If you are still finishing your tax return today, be sure to see the Last Minute Checklist for Getting Your Taxes Done Right! And if you aren’t going to finish today, you’ll want to head straight for the information in How to File for a Tax Extension. Once your taxes are filed, it’s time to talk about your refund. In the past, we’ve covered smart ways to spend your tax refund in college and ways to spend it if you are a newlywed. But these tips are beneficial things everyone can do with their tax refund this year. Photo Credit: 401(k)2012 Make…
  • Last Minute Checklist for Getting Your Taxes Done Right

    Kristen
    14 Apr 2014 | 6:29 am
    Before you head out to file your taxes before the tax deadline, you’ll need to grab more than just your wallet to pay your tax professional for their services. There are a large number of items you need to bring with you when filing your taxes. In many cases, these items are essential to filling out your tax return. You’ll need documents, receipts, identification, and various other pieces of information. Tax Checklist If you have already filed your taxes, use this list as a checklist to make sure you didn’t leave anything off your tax return. If you did, you can amend your tax…
  • American Express $250 Sign Up Bonus

    Madison
    11 Apr 2014 | 6:50 am
    American Express is offering a sign up bonus on the American Express® Premier Rewards Gold Card for 25,000 points and it’s this week’s Featured Deal! The 25,000 points are worth up to $250 in gift cards. The Premier card was one that I had long forgotten about, but resurfaced when I made my list earlier this week of target American Express bonus offers. How to Get Your $250 Sign Up Bonus Sign up for the American Express® Premier Rewards Gold Card. Spend $2,000 within 3 months. Receive 25,000 Membership Rewards bonus points. Redeem points for up to $250 worth of gift cards.
 
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    My Financial Journey

  • Retirement Nestegg Report – March 2014

    MFJ
    2 Apr 2014 | 7:27 am
    Well I guess things can’t keep going up forever and I can’t destroy the SP500 every single month. After breaking $400k for the first time earlier this month my portfolio took a little dip backwards and my investments greatly under-performed the market this month. The only saving grace was that my employer’s very generous 401k matching and bonus program both hit this month so about an extra $8k went into my 401k this month that makes the month not look quite as bad as as it actually was. To be honest I feel much more comfortable with things heading south especially after the…
  • Interum Retirement Nestegg Report – I broke $400,000

    MFJ
    5 Mar 2014 | 5:32 am
    Well I never in my wildest dreams would have thought I’d be writing this post so soon, but today my retirement nestegg topped $400,000 today. It was less than 9 months ago that I broke $300,000 and $200,000 16.5 months before that, and $100,000 28 months before that and five years before that I started investing. Once again the power of compound interest is becoming crystal clear as you follow my retirement nestegg. Taxable Account – $5,435.18 Traditional Rollover IRA – $35,121.03 My Roth IRA – $112,779.11 Wife Roth IRA – $61,867.48 Traditional 401k – $186,251.10 Total…
  • Retirement Nestegg Report – February 2014

    MFJ
    1 Mar 2014 | 5:54 am
    Well another great month for the stock market and another great month for my retirement nestegg. Once again my investments outperformed the SP 500 and my retirement nestegg is inching up on $400,000 – which is absolutely mind boggling since I just hit $300k in July! This also marks the 100th monthly report in a row that I have done for this blog. To put the power of compound interest into perspective – my first monthly report was filed in December of 2005 and my nestegg was at $24,616.93 and that had represented over 3 years of savings to that point. This month my retirement…
  • What am I saving money for?

    MFJ
    3 Feb 2014 | 12:22 pm
    This seems like kind of a horse after the cart type of moment, but I’ve more recently started to wonder what I am saving all of this money for. My retirement nestegg has grown exponentially and overall I think I have done a pretty decent job of saving a significant portion of my income for retirement. I’ve set goals and have met them and I have toyed with setting new goals for myself. For example I set that $1M for 40 goal 2-3 years ago and never wrote a post as to what, why, or how I was going to do that. Part of the reason was that I didn’t know really the why and well the…
  • Retirement Nestegg Report – January 2014

    MFJ
    3 Feb 2014 | 6:52 am
    Well I we started out 2014 with a down month for the market and to be honest that kind of excites me. Again I am young and am contributing so a bad market benefits me tremendously. Also as you can see I put over $9000 of new money into my accounts this month so have money to deploy should things start falling. Once again I have bested the SP500 by a significant margin and while the time period is still short I am very excited at the prospect that I will be able to get market beating returns with my individual stocks and this will increase the already amazing power of compound interest. We…
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    MoneyCrushMoneyCrush

  • The Real Secret to Personal Finance Success: Your Backup Plan

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    7 Apr 2014 | 5:00 am
    Planning is key to so much of personal finance — it’s how we get ahead and stay ahead. Without planning, we just scramble to react, or make decisions that can be bad for us because they aren’t well thought-out. (You know how it is when you’re forced to give an answer quickly, and then later you think of something better you could have said or done…) But it’s not just planning for things you want to have happen that matters. You’ve also got to plan for the what ifs; the things you actively don’t want to have happen. Why planning for the bad stuff…
  • The Secret Power of No

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    31 Mar 2014 | 5:00 am
    It’s tempting to think of “no” as a bad word, because who likes to be told no? But get to know the secret power of no, and you’ll discover that “no” is a great word. Why? It can help you in two ways. It allows us to focus on the things that matter First, we’re all bombarded with requests for things, and we’re constantly asked to buy. However, since we all have limited amounts of time and money, saying no to things that aren’t our priority allows us to focus on the things that really do matter. By saying no to things and events that…
  • How to Find Time to Do the Things That Matter

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    24 Mar 2014 | 5:00 am
    Are you thinking of starting a side business or working on some other big project this year, but feeling stressed out because you’re not sure how you’ll be able to fit it in? If so, you’ve probably uttered these six words: “If only I had more time”. But the truth is, you’re lamenting the wrong thing. You already have all the time you’re ever going to have. It’s a matter of how you use that time. Every day. Do some analysis It pays to do a little bit of self-reflection before you begin to change how you use your time. So first, do a little…
  • Three Reasons You Should Create a Bare Bones Budget

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    17 Mar 2014 | 5:00 am
    I have two spending plans — one that amounts to a bare bones budget, and another that’s what I really typically spend each month. Why do I have a bare bones budget that I don’t use? (And why do I think you should give creating one a try too?) Three reasons. 1. It forces a detailed look Creating a bare bones budget forces you to take a detailed look at all of the things you’re spending money on. You can evaluate just how easy/hard it would be for you to live without them (and how much value you’re currently receiving in exchange for your money.) Often this results…
  • Eventual Millionaire Book Giveaway

    Jackie Beck
    10 Mar 2014 | 5:00 am
    Do you dream about starting your own business and working for yourself? It’s time to do more than just dream. Take action, and make it happen. To help with that, I’m giving away a copy of Jaime Tardy’s book, The Eventual Millionaire. In it, Jaime gives specific action steps you can use to figure out the path you want to take and how you want to get there. (She also tells her get-out-of-debt story, which is awesome because a big part of building wealth includes not sending your money off to creditors.) As the book’s blurb says: There are many ways to become a…
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    Million Dollar Journey

  • Preparing for the Income Tax Deadline (2013-2014): Personal Taxes

    FrugalTrader
    14 Apr 2014 | 4:30 am
    Income Tax Deadline With the income tax deadline just around the corner for tax year 2013, which is May 5, 2014 it’s time to start thinking about what’s required to file.  Why isn’t it April 30 like other years?  CRA had to close down their NETFILE services for a few days due to an internet security vulnerability called Heartbleed Bug.  In light of this, they have extended the deadline. If you are a small business owner, you have until June 15th to file, but any taxes owning must be paid by April 30th.  If you are entitled to a tax refund,  although the deadline is…
  • TurboTax Coupon, Why You Don’t Have to Save, Emotional Investing, Bad Retirement Advice, and more!

    FrugalTrader
    11 Apr 2014 | 4:30 am
    For those you who use TurboTax to file taxes online, here is a 15% off coupon! A Canadian Money Forum member shares an interesting story about Inheriting a house that isn’t your parents, where the mortgage payments were made by the parents but the deed is in another family member’s name. Life offers choices most times and one is free to choose but being prepared to deal with the consequences is a lesson that is likely forgotten by many as highlighted by the Retire Happy Blog in Why You Don’t Have to Save. Being debt free before retirement is a big step to a successful future.
  • Wealth Strategy: Track Your Net Worth

    FrugalTrader
    8 Apr 2014 | 4:30 am
    This post was originally published in early 2009, but brought to the forefront as I believe it’s one of the more important strategies for growing wealth. For those of you who have been following my journey, you’ve probably noticed that I’m a big believer in tracking and managing progress to help achieve desired goals.  I can’t believe I haven’t explicitly written about this strategy before as I’ve been publishing my net worth updates for several years now. That is, if your aim is net worth (or any financial) growth, track and record it on a regular basis.
  • Closing Costs When Selling a Home

    Sean Cooper
    3 Apr 2014 | 4:30 am
    Buying a home today isn’t cheap. Soaring house prices coupled with tighter mortgage rules, has helped make housing a lot less affordable. If you’ve ever purchased a home before, you should be well aware of closing costs. But buyers aren’t the only ones stuck footing the bill. Sellers have their own closing costs to contend with. With a seller’s market present in many housing markets like Toronto and Vancouver, homeowners not surprisingly looking to cash in on their most valuable asset. Closing costs are anything, but a drop in the bucket – closing costs can add up to between 1.5 per…
  • Net Worth Update March 2014 (+0.71%)

    FrugalTrader
    31 Mar 2014 | 4:30 am
    Welcome to the Million Dollar Journey March 2014 Net Worth Update.  For those of you new to Million Dollar Journey, a monthly net worth update is typically posted near the end of the month (or beginning of the next) to track the progress of my journey to one million in net worth, hopefully by the time I’m 35 years old (end of 2014 – yes this year!).  If you would like to follow my journey, you can get my updates sent directly to your email, via twitter (where I have been more active lately) and/or you can sign up for the Money Tips Newsletter. While the bulls took over the stock…
 
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    Bible Money Matters

  • Top 5 Lessons I Learned At FinCon

    Peter Anderson
    14 Apr 2014 | 7:10 am
    There were quite a few things I learned at FinCon last year. Here are my top 5 lessons learned .The post Top 5 Lessons I Learned At FinCon appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • My Top 5 Favorite Banks And Brokerages

    Peter Anderson
    10 Apr 2014 | 11:43 pm
    Today I thought I would give a list of the top 5 banks and investing companies that I actually use and have accounts with.The post My Top 5 Favorite Banks And Brokerages appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 4 Reasons To Start Saving for Retirement Now

    Miranda Marquit
    10 Apr 2014 | 8:06 am
    If you want to improve your finances for your future, now is a good time to start saving for retirement. Here are 4 reasons to start saving now.The post 4 Reasons To Start Saving for Retirement Now appeared first on Bible Money Matters and was written by Miranda Marquit.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • TurboTax 2013 Review: Simplifying A Complex Tax Filing Process

    Peter Anderson
    9 Apr 2014 | 9:33 am
    TurboTax has gone through changes over the years, but one thing that hasn't changed is how easy it is to file using their product. Here's an in depth reviewThe post TurboTax 2013 Review: Simplifying A Complex Tax Filing Process appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Spring Is Coming: Time to Clean Up Your Finances

    Claire Murdough
    8 Apr 2014 | 9:09 am
    Spring is here! Take the opportunity to spring clean your finances for the benefit of the coming months (and years) ahead.The post Spring Is Coming: Time to Clean Up Your Finances appeared first on Bible Money Matters and was written by Claire Murdough.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • DIY Balanced Funds for Investing

    Big Cajun Man
    17 Apr 2014 | 4:36 am
    I always find it interesting that most of the times I have spoken to an “investment person” I have been told What you need is a Balanced Fund, which on face value is a good piece of advice. Rarely have I walked in and made the following statements: I love High Tech, what I want to do is buy a single stock that has very high risk and very high potential pay back. I feel comfortable investing in hedge funds, and want to explore that further Bangladesh and Russia look like interesting investment opportunities, lets put all my money there. I don’t trust the stock market, so all…
  • Tax Confusion and Delays

    Big Cajun Man
    16 Apr 2014 | 4:14 am
    Thanks to the Heartbleed situation the CRA has stepped back and has put in place an extension for tax filings. The new deadline is May 5th according to this CRA web site. This is good news if you owe money, because you can hold onto it until May 5th, but if you are owed money, why the heck haven’t you already filed your return? I already have my refunds, you could too if you just got it done now. There is my tax return, 3rd from the left! I always feel good when I can quote from Thomas the Tank Engine. © bigcajunman for Canadian Personal Finance Blog, 2014. | Permalink | 2 comments |…
  • Are We Running Out of SIN ?

    Big Cajun Man
    15 Apr 2014 | 3:54 am
    No, not sin, Social Insurance Numbers, that SIN. If the Social Insurance Number is simply a number given out each time a Canadian asks for one, the Maximum number of encodings is simply 999,999,999 codes. That seems like a very large number and why would anyone worry about running out of numbers in this program? The Social Insurance Number has become the de facto standard for identification in Canada (especially financially), and a number to be guarded closely, so each number is very important. Some points to think about this number: A very Fake Social Insurance Number I don’t think…
  • Spring Financial Cleaning

    Big Cajun Man
    14 Apr 2014 | 3:55 am
    I spent a busy weekend taking care of many small tasks that have piled up over the long cold winter here in Ottawa. One of the most important that I have procrastinated about is cleaning up my Quicken data files, as they have been neglected for a while. I have updated the files with new data, but there was a lot of information that just never got cleaned up. To make a tool like Quicken, or whatever tool you use to track your finances, useful it needs to be up to date and reflect your current financial standing, and I was not happy to see that I had left around: The mortgage to my previous…
  • RIP Flaherty, Heartbleed, Tax Time, Quebec Elections and #FreeFormFridays

    Big Cajun Man
    11 Apr 2014 | 3:52 am
    I was very sad to hear of the untimely passing of Jim Flaherty, our former finance minister. I have poked jabs at Mr. F. but as I said when he stepped down from cabinet, I think he did as good a job as anyone could during a really scary financial period in Canadian history. My humblest of condolences to his family during this sad time. The Late Jim Flaherty former Finance Minister “goodnight, sweet prince/and flights of angels sing thee to thy rest” How bad will the Heartbleed Bug end up being? Pretty darn bad by the looks of things. The latest information seems to imply pretty…
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    Early Retirement Extreme

  • How to adjust the rear derailer with an index shifter

    Jacob
    17 Apr 2014 | 8:57 pm
    I’m just putting this up here because I have not seen this trick elsewhere. The problem here is mainly in getting the cable tension correct so the shifter can pull the derailer over all the cogs in the rear cassette. Too loose and you won’t be able to reach the low gears. Too high, vice versa. First loosen the nut holding the gear cable. The derailer should swing towards your highest gear (small cog). Adjust the (H)screw so that the derailer is limited from throwing the chain into the hub.. If it doesn’t have a name, just look at the mechanics to see which one it is. Turn…
  • Using baking soda for brushing teeth

    Jacob
    17 Apr 2014 | 8:50 am
    I have started to use baking soda to brush my teeth (again). I don’t do this to save money on toothpaste, which is cheap and often free thanks to the lunacy of coupon clipping (this is the only place where we do this). Rather, I do it to save money on the dentist, who is evil and sadistic. For someone who is contemplating skipping dental insurance, this becomes a concern. Baking soda raises the pH (I knew that) while bacteria in the mouth creates acid (low pH) as a byproduct (I knew that) which destroys the enamel (I knew that too). I just did not put those things together and thought…
  • Guest post: War resistance through taxes and frugality

    Jacob
    16 Apr 2014 | 8:42 pm
    This is a guest post from David Gross who blogs about tax resistance, frugality, ethics, and other such issues at his blog, The Picket Line. If you want to learn more about his tax resistance tactics, read the FAQ or check out his How-To Guide to learn how you can do it too. Regardless of whether you support the government, learning about the tax code, as demonstrated by the example below, can be much more remunerative than the standard comparative economics argument of “I earn $100/hour so I’m better off paying some $15/hour tax-clerk who took a two-week course to plug my numbers…
  • Selling graduate textbooks

    Jacob
    16 Apr 2014 | 8:40 am
    Once upon a time I realized that limited edition graduate texts in myField might go out of print some day and I decided to establish my own “little” library by buying them before they went out of print. In retrospect this was stupid. The reason is that graduate level texts are generally only useful while one is actually on the graduate level. After that most information is acquired from published papers. This even goes for the graduate textbooks which also reference papers. Another problem is that the information slowly gets outdated. It is rare that some information will turn out…
  • The extrapolation fallacy

    Jacob
    15 Apr 2014 | 8:32 pm
    I do not know why this keeps popping up. It basically goes like this: Take the most recent piece of history, here recent is a maybe a quarter of the characteristic time scale of anything, say the economy, technology, population, … and proceed to extrapolate it into the far future. The reason this never works is that everything has a natural limit set by the system. The extrapolation is always done at a point where the thing being extrapolated is just a minor player of insignificant but slightly noticeable value. Like the space rocket launches of the 1960s that were projected into the…
 
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - March 2014 ($1,670,949, -$5,413)

    webmaster@pfblog.com
    10 Apr 2014 | 3:21 am
    Our net worth ended the month of March 2014 at $1,670,949, a slight 0.3% retreat from the prior month. All in all, we ended the first quarter of the year with a combined net worth gain of $11,400, or 0.7%. 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.
  • New Year Resolution: I'll Mow My Own Lawn

    webmaster@pfblog.com
    16 Mar 2014 | 8:41 am
    It has been a year since we bought our new home on an acre-shy lot. I am not a particular fan of gardening over my life so far, and hence for most of last year, I had conveniently outsourced the yard work to my gardener for $330 a month, including tax. He is a good young man who bought an established lawn care business and does adequate work. I even introduced him to our neighbor across the street, from whom he won the lawn maintenance business too. By November we mutually agreed to pause the service until grass will grow again in March. I also sent him a Christmas gift card for appreciation.
  • Monthly Update - February 2014 ($1,676,362, +$12,539)

    webmaster@pfblog.com
    2 Mar 2014 | 9:29 am
    Advancing $12,539, or 0.75%, our net worth closed the month of February at $1,676,362. Trailing 12 months improvement is $190,398, or 12.8%. 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.
  • What I Benefitted From Filing My Own Tax

    webmaster@pfblog.com
    26 Feb 2014 | 6:58 am
    I spent several hours this Sunday morning to put some finishing touches to our federal tax return, and the 27-page return is now on its way to IRS this week. I have worked on the tax return since the late January, and by my estimate, I spent around 20 hours on TaxAct to prepare the return, not to count the time throughout the year with Quicken to keep a clean financial record. This is higher than the 15 hours average time burden for filing a tax return on 1040 as estimated by IRS. Maybe I could work on my math in the coming year so I can beat the average :-) I enjoyed acquiring tax knowledge…
  • How To Get Your Previous Years' Tax Returns?

    webmaster@pfblog.com
    17 Feb 2014 | 8:07 am
    As part of the HELOC application process, we were asked to sign a 4506-T form to authorize banks to get from IRS transcripts of our prior years' tax returns. This makes me think: as taxpayers, can we get such information ourselves? Yes, we can. A quick search on the IRS website yields two different options: 1) One may request a tax return "transcript" for free. A "tax return transcript" contains "most line items from your tax return (Form 1040, 1040A or 1040EZ) as it was originally filed, including any accompanying forms and schedules." 2) Or, one may order an exact copy of tax return, which…
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    2million's Personal Finance Blog

  • Car Purchasing Decision: Minivan or Not?

    2million
    7 Apr 2014 | 11:28 am
    My wife and I are actively working on buying a replacement car. My 1998 Nissan Sentra is currently having some problems (significant oil leak) and I've decided that I don't want to continue to invest in the car since we plan to replace it in the near future. The biggest discussion point for us has been whether or not we think we need to purchase a minivan for the family or a commuter car for myself. My wife currently drives a small SUV, a Hyundai Santa Fe, that we really enjoy and our family currently can manage distance travel in. However we recognize our family needs are continuing to…
  • March 2014 Net Worth Update (+$14,117)

    2million
    3 Apr 2014 | 3:28 am
    Highlights for FebruaryWe are close to finishing up earning $1,000 in credit card signup bonuses for 2 credit card signups w/ spending requirements. Im not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. For those interested, our March Zillow property…
  • Chairmen Letters to Shareholders

    2million
    9 Mar 2014 | 5:59 pm
    Its that time of year again --the close of fiscal years means an overload of annual reports including Letters to Shareholders. Two annual letters that I read each year are those from Berkshire Hathaway (Warren Buffet) and Fairfax Financial (Prem Wasta). Both of these annual letter to shareholders have been posted in the past couple weeks for 2013. Some highlights from Warren Buffet's Letter to Shareholders: Berkshire spent $18 billion on 2 large investments in NV Energy and Heinz and continues to look for more elphapents. Charlie and Warren have always considered a “bet” on ever-rising…
  • February 2014 Net Worth Update (+$21,948)

    2million
    4 Mar 2014 | 4:58 pm
    Highlights for FebruaryWe are in the middle of earning $1,000 in credit card signup bonuses for 2 credit card signups w/ spending requirements. Im not spending extra, but focusing our spending on these new cards to earn the bonuses.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. For those interested, our February Zillow property estimates are: $214,838; $130,790; $298,749; and $236,374 (total:…
  • Investment Performance January 2014 (-2.94%)

    2million
    23 Feb 2014 | 5:55 pm
    January 2014 Investment Report: January Highlights: January was a bad way to start out the year, but our portfolio performed slightly better thank our benchmark (-2.94% vs -3.17%). We made our regular monthly investments in our Roth IRAs, and some dividends & dividend reinvestments. It was an active month as we took a more substantial amount out of our investments by selling portions of our Genworth (GNW) and Bank of America (BAC) holding as they hit new highs. I don't see a whole lot that I'm excited about in the short term so I expect I will be holding a bit higher amounts of cash this year…
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    FIRE Finance

  • Top Traffic Referrers for FIRE Finance - March 2014

    17 Apr 2014 | 2:32 pm
    Apr 17, 2014: March is a special month since it ushers in spring. Students love it because of a welcoming spring break which gives them a chance to see beautiful places :). In the spirit of new creation and a warm summer ahead we express our heartfelt thanks to our audience for your continued support and loyalty. Here's our gratitude to fellow publishers who have sent traffic our way in March: Click on the post title to continue reading .....
  • Double Your Tax Deduction Every Time You Fund Your IRA!

    15 Apr 2014 | 2:12 pm
    Apr 15, 2014: Most of us try to maximize tax deductions. After all we'd like to pay Uncle Sam bare bone taxes. On that line we discovered a neat trick that'd double your tax deduction every time you put money into a traditional tax deductible IRA. If you are thinking of contributing to your IRA, then do not use any cash. Instead, you can sell one of your stocks that has declined in value and use Click on the post title to continue reading .....
  • Short on Tax Money - File an Extension or Pay in Installments

    10 Apr 2014 | 12:12 am
    Apr 10, 2014: With Tax Day less than a fortnight away, you are either done with taxes or are hurrying to finish the formalities. But what if you don't have enough money to pay your taxes? The first step is not to panic. If you can’t pay your taxes immediately, you can consider a couple of alternatives: 1. Pay in installments If you owe $25,000 or less in combined tax, penalties, and interest Click on the post title to continue reading .....
  • Hypermiling - Maximize Your Car's Fuel Economy

    8 Apr 2014 | 2:32 pm
    Finding new ways to save money is always fun :). Today transportation costs are an integral part of every one's budget. Since most of us drive our own cars, we often look for ways to trim our gas expenses. Whenever we drive, we try to save gas with good driving habits. Further, we regularly read about how we can increase our car's fuel efficiency. This weekend while doing our research on Click on the post title to continue reading .....
  • Free Coupons for Amys' Organic Frozen Foods

    4 Apr 2014 | 2:12 pm
    We are great fans of organic food. Whenever we get time we cook organic vegetarian dishes from scratch. But during hectic work days when we have no time to cook, we often eat organic dinners and soups from Amy's. Amy's soups and dinner entres have a fresh taste, are healthy and are palatable. Above all they are affordable. Of late we have found the best deals on Amy's Organic Food at Amazon. Click on the post title to continue reading .....
 
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    How I Save Money.net

  • Friday Finances: April 2014 Week 2

    Lulu
    10 Apr 2014 | 11:01 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my income was: Nothing! I only get paid once a month and I did not have any gift cards to cash in yet. This week my expenses were: $9.14 on lunch with my protege. We meet every other week and we were supposed to only get coffee but then we both decided we were starving and needed to eat. It was a very productive…
  • One Week Left For (Regular) Income Tax Filing

    Lulu
    8 Apr 2014 | 11:01 pm
    You only have one week left to get in on the regular income tax filing schedule. Taxes are due on 15th April and if you don’t get yours in by that date you have to deal with extensions. Why bother with all of that..just get your taxes done now and save yourself the hassle! I filed my taxes already so I have nothing to worry about. Related posts: How To Turn An Irregular Income Into A Regular Cash Flow Tax Time Taxes Have Been Filed
  • Do No Spend Days Really Work?

    Lulu
    6 Apr 2014 | 11:01 pm
    I have been seeing a recent rise in No Spend Days on various blogs. I attempted to do this a long time ago but I was not successful. No spend days are days when you make a conscious effort to not spend any money directly. This may involve things like leaving your credit or debit cards at home or removing all cash from your wallet. It is a tool to help you be more mindful of your spending on a day to day basis and to keep your budget in line. Do these No Spend Days really work? If you decide to spend money as you normally do all week and then make Saturday a no spend day what happens next? Do…
  • Friday Finances: April 2014, Week 1

    Lulu
    4 Apr 2014 | 12:01 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my income was: Paycheck!!! Yaaaay we got paid on the first of the month, no fooling. This week my expenses were: Rent. Sadly it is due on the first of the month so that gets paid early in the month. Car. I had to also get the car payment sent out. Insurance. This is also due at the beginning of the month and gets…
  • Google exits $1,000 stock club after special dividend – The Economic Times on Mobile

    Lulu
    3 Apr 2014 | 12:43 pm
    http://m.economictimes.com/news/international/business/google-exits-1000-stock-club-after-special-dividend/articleshow/33191603.cms Related posts: Stock Challenge: Google Stock Win $1000 with Fintag’s Stock Picking Contest Zack’s stock challenge day 1
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    Funny about Money

  • First Experiment in Self-Publishing!

    funny
    16 Apr 2014 | 10:32 pm
    Well, this is cool. The eBook Builder says our first adventure in self-publishing will be ready to go this week. And my old friend Jim Metcalf came up with a very handsome cover, despite the fact that every image of the rest of us could unearth with was totally, hopelessly politically incorrect. It is, IMHO, amazingly good. I really like this. He came up with another with these sort of shadowy handcuffs. But those evoke law enforcement, to my mind, more than indentured servitude. The kind of cracked marble effect evokes the crumbling of the academy, a phenomenon epitomized by the fact that 50…
  • Check Out Funny’s New Blog

    funny
    16 Apr 2014 | 7:11 am
    LOL! Yesterday was too hectic for much writing — or to get much of anything done — but I did manage to choke out a fairly hilarious post on my Corgi blog, a site I expect to feed into yet another planned book. A new RSS feed appears at left.  Check out this (wee hours!) morning’s post. Related posts: Decomplicate Me!
  • How Mu¢h I$ That Puppy…

    funny
    14 Apr 2014 | 7:25 pm
    Killed the better part of the day cleaning house, a job made bigger and longer and far more tedious than usual by the amazing puppy mess. Had I started the day feeling well enough to get any productive work done (which I most assuredly did not), we could have added a substantial opportunity cost to the price of owning Ruby (as she’s made herself known). Turns out that corgis in general tend to be a little slow to house-train. Add to this supposed characteristic the theory that small, runt-like puppies such as Ruby may (or may not) be underdeveloped at birth and so “younger”…
  • Progress Made: Business; Progress Made: Personal

    funny
    13 Apr 2014 | 12:12 am
    So, a new designer came up with a really nice cover design for theadjunct rant, to be called Slave Labor: The New Story of American Higher Education. Hot dang! It looks very handsome. The e-book conversion dude is very pleased. So am I. Slave Labor is ready to go except for the cover design; plus I need to proofread it on Kindle. It will go live first as an e-book and then as a PoD softcover. Meanwhile, the diet guide/recipe book is also ready to go…except for the cover design. Title to be How I Lost 30 Pounds in Four Months…Without Hardly Trying. It also will appear first in…
  • Endless Thrashings-About

    funny
    11 Apr 2014 | 8:59 am
    Haven’t had a chance to post here because every minute that hasn’t been occupied with work has been occupied with dead exhaustion. A difficult Chinglish scholarly paper arrived early in the week. That took two full days (by full, we mean something like 12 hours) to plow through. Then, an amazing development: Another pair of clients had interested the University of New Mexico Press in a (wonderful!) anthology they’ve been working on for the past year or two. UNM had said to send it along — actually, I thought they had a contract, but apparently not — and they were…
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    Lending Club Blog

  • We’ve acquired a company!

    Lending Club
    17 Apr 2014 | 6:49 am
    Today we’re excited to share the news that we have acquired Springstone Financial, a company founded in 2007 by Mike Gilroy, Mike Donovan and Jim Donovan.  The company has over 50 team members, who all joined Lending Club this morning and make for a great addition to our growing team of 500+. We are extending a warm welcome to our new fellow Lending Club team members! Springstone offers affordable financing options for consumers looking to finance private education and elective medical procedures through a network of over 14,000 schools and healthcare providers. This product fits well…
  • Lending Club customer information safe from Heartbleed Bug

    Lending Club
    11 Apr 2014 | 12:49 pm
    You may be hearing about a security vulnerability in OpenSSL (theencryption software used by the majority of sites on the Internet) dubbed the Heartbleed Bug that was disclosed earlier this week. We became aware of the OpenSSL vulnerability when it was first reported, and our security team took immediate action to conduct a comprehensive review of our environment. Our comprehensive review verified that our own infrastructure was not vulnerable. A service provided by a third-party was vulnerable, but the vendor promptly patched its software to fix the vulnerability. As a precaution, the…
  • New: Loan Origination Data Update

    Lending Club
    3 Apr 2014 | 3:40 pm
    An update for users of our platform statistics and historical downloadable file.  We are changing the frequency with which we post data about new loan issuance on the platform. This change relates to overall platform data that we provide on the Lending Club Statistics Page. The change will not reduce the frequency of data updates about Notes that you hold. Instead of posting new issuance data daily, we’ll now post new issuance data quarterly within 30 to 45 days after the quarter ends. We will, however, continue to provide daily data updates on payment and performance in our downloadable…
  • Lending Club Launches Business Loans

    Lending Club
    20 Mar 2014 | 1:00 am
    Today, Lending Club announced the launch of business loans to meet the needs of America’s small businesses, a topic that Lending Club CEO Renaud Laplanche discussed with members of the U.S. House of Representatives in December 2013. As our latest infographic shows, small businesses need access to capital to continue to be a driving force and foundation of the US economy. This is a huge milestone for us. For the past seven years, Lending Club has been working hard to grow our first product. Today, we launched the first in what will be a series of new products, designed to address a variety…
  • Lending Club Extends Privacy Protections for Borrowers

    Lending Club
    19 Mar 2014 | 4:43 pm
    At Lending Club we pride ourselves on embracing new technologies and open communication, but we’re also very aware that we provide a financial service that calls for a very high standard of privacy and identity protection. To that end, we have implemented a change that will reduce the possibility of exposing personally-identifying information about borrowers.   Starting today, instead of writing a free-form loan description, borrowers will simply choose a loan purpose. In addition, borrowers will no longer be able to answer questions. Historically, borrowers were able to provide a…
 
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    MintLife Blog | Personal Finance News & Advice

  • How to Make Smart Wardrobe Purchases That Will Last (infographic)

    Mint.com
    17 Apr 2014 | 11:30 am
    According to the Bureau of Economic Analysis, the average American spends over $1400 on buying clothes and related items per year and it’s been estimated that most people only wear 20% of the clothing they own. Want to look great, keep the closet clutter to the minimum, and stop wasting money on unworn items? The key is building a wardrobe with smart purchases that are simple, timeless, and versatile. The following infographic offers a handy guide to building a smart wardrobe that will really last. Click on “Launch Infographic” for an expanded view.    
  • 5 Easter Budgeting No-No’s

    Mary Hiers
    17 Apr 2014 | 8:30 am
    Whether you’re religious or not, Easter can be an incredibly fun time of year — delicious candy, beautiful eggs, fluffy bunnies, and pastel everything. But if you’re not careful, it can also be an expensive time of year. A lot of things that people love to do to celebrate Easter will come back to bite them in the financial behind sooner or later (most likely “sooner”). Here’s a quick rundown of things to avoid doing, if you want to keep your Easter under budget: Hire an Easter Bunny The world is chock-full of entertainers that will gladly dress up as the…
  • Real Estate Q&A: Mortgage Rate Buydowns and Parent-to-Child Property Transfers

    Leonard Baron
    16 Apr 2014 | 11:30 am
    Zillow real estate investment writer and long-term investor Leonard Baron, MBA, is answering questions from MintLife readers. If you have a question about investment properties, cash flows, insurance, mortgage financing, homeowners associations, renting versus owning, foreclosures and more, drop Leonard an email Comparing Mortgage Rate Buydowns Missy of Fairfax, VA asks: I’m refinancing and have some mortgage rate options based on the number of loan origination points I am willing to pay. Someone said if I’m going to own my home for a long time, I should pay the points to buy down my…
  • DIY Easter Treats for Everybunny’s Basket

    Frugal Foodie
    16 Apr 2014 | 10:30 am
    Filling up your child’s Easter basket can be an expensive endeavor. Americans will spend $2.2 billion on chocolate bunnies, jelly beans and other East candy this year, according to the National Retail Federation. If you’re in the market for something a little more creative, why not try your hand at a few do-it-yourself Easter treats? Some of the ones we spotted involve more crafting than cooking, and others don’t even require baking. (Of course, on the other end of the spectrum, there are homemade marshmallow Peeps, which are pretty involved.) Whatever your craftiness level and budget,…
  • MintFamily With Beth Kobliner: Financial Literacy for the Entire Family — Money Skills for Toddlers and Teens

    Beth Kobliner
    15 Apr 2014 | 1:10 pm
    April is Financial Literacy Month, which provides us with an opportunity to reflect on where we are as a country and where we hope to go when it comes to teaching kids about money. This year I’m especially excited because our new President’s Advisory Council on Financial Capability for Young Americans is all about taking action to truly help America’s kids grow into money-savvy adults. At our first meeting in DC just a few weeks ago, we had a great discussion about the goals of this Council. Ideas were flying: Embed financial education in the Common Core standards; create…
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    Personal Finance Buzz - Published news

  • Realizing the Importance of Side Income

    moneysma
    16 Apr 2014 | 7:29 am
    Building up a full side business might not be for everyone, but it’s worth considering if you’re struggling to get ahead. If you can fit in the time, pretty much everybody has the ability to bring in extra income one way or another.
  • Should We Finally Consider a Smart Phone a Need?

    frugalrules
    15 Apr 2014 | 8:36 am
    Smart phones have become an integral part of life. We use them a lot and they make life easier. Does that make them a want or a need and why does it matter?
  • Identifying And Eliminating The Grey Charges In Your Life

    moneysavingdude
    15 Apr 2014 | 7:23 am
    One of the sneakiest financial developments of the past decade has been the proliferation of grey charges added to consumer’s accounts, often without the consumer realizing it.
  • 5 Ways to Avoid Unexpected Financial Plunges

    moneysma
    14 Apr 2014 | 3:40 pm
    Everyone wants to be financially stable, but most people have discovered that even the best laid plans and budgets can be thrown aside as soon as an unexpected event happens. Whether it is a job loss, out-of-state funeral, or a serious illness, these events can make it hard to keep your finances on track.
  • 4 Ways Technology Costs Us Money

    moneysma
    14 Apr 2014 | 3:32 pm
    Technology is a great thing. I love being able to have all of my music with me on a small thing like an iPod. I love never being lost in a city because I can just pull out m
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    Free Money Finance

  • Are You in Your Dream Job?

    NA
    16 Apr 2014 | 2:29 am
    A reader wrote the following comment to Money magazine in its April issue: One of the facts and figures packed into your March issue stood out: the Money Poll item that 14% of people are in their dream career. So 43 out of 50 commuters are going somewhere other than where they would like. Wow. If these people only knew that when you like your job, it isn't really work at all. I have a few thoughts on this one: I certainly like my job. I've been here eight months now and am so glad I made the move. I don't think it's my "dream career." My dream career would be where I made $10 million a year…
  • Share Your Financial Experiences with FMF Readers

    NA
    15 Apr 2014 | 2:29 am
    I love sharing stories from people who are working through financial issues, have made significant financial progress in their lives, or just need a bit of advice. And FMF readers like these as well, as evidenced by the comments I receive on these posts. If you'd like to tell your story or get some advice, there are many ways to do so including: Reader Profiles - Answer a few questions and ask for advice (if you like) in the process. Millionaire Interviews - Is your net worth over $1 million? If so, FMF readers would love to hear from you and learn from your experience. Six Figure Interviews…
  • A Simple Portfolio of Three Funds

    NA
    14 Apr 2014 | 2:29 am
    MSN Money lists a simple portfolio of three funds as follows: Some experts are pushing a back-to-basics approach to investing. As drastic as it may sound, they say it's possible -- even at times desirable -- to construct a very well-diversified portfolio using just three low-cost mutual funds or ETFs.Which three funds to use? A classic trio provides exposure to U.S. stocks, foreign stocks and U.S. bonds.Many "Bogleheads" -- a group of investors who favor index investing as inspired by Vanguard Group founder John Bogle -- suggest a three-fund portfolio consisting of the U.S.-focused Vanguard…
  • Is Social Security Stealing Your Chance Of Being A Millionaire?

    NA
    11 Apr 2014 | 2:29 am
    The following is a guest post from Marotta Wealth Management. I have edited it a bit to tone down the political rhetoric and just focus on the facts.I've previously brought up the issue that I wish I had been able to keep what I have invested in Social Security. I know that society (and me as a result of that) benefits from people having a retirement safety net. But that doesn't change the fact that what I could have done with the money would have been much greater than what I'll get back from the system.After you've read the piece below, leave your thoughts on the costs and benefits of…
  • The Conversation About College is Turning in the Right Direction

    NA
    9 Apr 2014 | 2:29 am
    This piece from the Wall Street Journal is one of the first I've seen from a mainstream media outlet that really digs deep into the cost/benefit considerations associated with going to college. Just a decade or so ago most media outlets bristled at the notion that money/economics/payback should play much of a role in selecting a college. Now here's a whole conversation on the next level of education-related financial issues: should someone's MAJOR and the earning power of that major be considered as a student selects a college and field of study?I think you all know my thoughts on this issue,…
 
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    Money Crashers

  • Importance of Community Banks and How They’re Threatened by Dodd-Frank

    Michael Lewis
    17 Apr 2014 | 3:00 pm
    Malcolm Holland, president of $650 million Veritex Community Bank in Dallas, Texas, worries about the future of community banks as a result of increasing federal regulations and growing compliance costs. His concern is based upon the increasing expansion of federal rules that limit the flexibility of community bankers to meet the needs of their customers: […] Importance of Community Banks and How They’re Threatened by Dodd-Frank is a post from the Money Crashers personal finance blog.
  • How to Get a Mortgage Loan If You’re Self-Employed With Fluctuating Income

    Mary McCoy
    16 Apr 2014 | 11:30 am
    Even with tighter regulations on property financing, folks with “normal” income from an employer can be approved for a home mortgage loan fairly easily. You simply have to prove that you have steady paychecks, a credit score of 640 or above, and enough money in the bank to cover your down payment. However, if you’re […] How to Get a Mortgage Loan If You’re Self-Employed With Fluctuating Income is a post from the Money Crashers personal finance blog.
  • Understanding the Impact of a Federal Minimum Wage Increase

    Michael Lewis
    15 Apr 2014 | 9:30 am
    On February 11, 2014, President Barack Obama signed an executive order raising the minimum pay for workers employed by companies that have federal contracts. The pay per hour would be lifted from $7.25 to $10.10 and go into effect on January 1, 2015. As might be expected, the move ignited a fire storm of dueling […] Understanding the Impact of a Federal Minimum Wage Increase is a post from the Money Crashers personal finance blog.
  • 7 Affordable Spring Clothes & Accessories for Women

    Jacqueline Curtis
    14 Apr 2014 | 4:20 pm
    I grew up in Toronto, Ontario, and I can vouch that whatever you’ve heard about Canadian winters is absolutely true. They’re harsh, cold, and can feel never-ending. And of course, there’s always that one gorgeous day in March that makes you uncharacteristically optimistic about the arrival of spring, only to collapse back into winter the […] 7 Affordable Spring Clothes & Accessories for Women is a post from the Money Crashers personal finance blog.
  • 7 Ideas to Use QR Codes for Effective Marketing in Your Business

    Larisa Redins
    11 Apr 2014 | 5:55 am
    QR codes – or “quick response” codes – are two-dimensional bar codes originally used by Japanese car manufacturers for a variety of purposes, including quality control and keeping track of inventory. However, marketing professionals eventually came to the realization that these codes could allow consumers to interact with a particular product or brand via their […] 7 Ideas to Use QR Codes for Effective Marketing in Your Business is a post from the Money Crashers personal finance blog.
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    SmartAsset Blog

  • Don’t Overlook These Discounts as a Student

    Amanda Stanhaus
    17 Apr 2014 | 11:30 am
    While I was a student, all I wanted to do was work in the real world. Now that I have graduated and have officially entered the real world, I do miss one thing about student life: student discounts. Related: What … Continue reading →The post Don’t Overlook These Discounts as a Student appeared first on SmartAsset Blog.
  • Which Type of IRA is Right For You?

    Rebecca Lake
    17 Apr 2014 | 9:30 am
    Saving for retirement should always be a top financial priority but it can be difficult to get started if you’re not sure what your options are. If you’re not able to participate in an employer-sponsored plan, like a 401(k) or … Continue reading →The post Which Type of IRA is Right For You? appeared first on SmartAsset Blog.
  • 5 Frugal Fruit for Spring

    Tiffany Patterson
    17 Apr 2014 | 7:00 am
    Spring and summer are my favorite times of year, but especially when it comes to the abundance of fresh produce. There is a bounty of fresh fruit just ready to be cut up into delicious fruit salads, grilled or added … Continue reading →The post 5 Frugal Fruit for Spring appeared first on SmartAsset Blog.
  • End-of-Life Financial Planning Checklist

    Rebecca Lake
    16 Apr 2014 | 11:30 am
    Benjamin Franklin once said that nothing was certain in this world except death and taxes. Even though it may be unpleasant, preparing for both of these events is important to your overall financial health. When it comes to making decisions … Continue reading →The post End-of-Life Financial Planning Checklist appeared first on SmartAsset Blog.
  • Are You Placing All of Your Financial Eggs in One Basket?

    Jen Carl
    16 Apr 2014 | 9:30 am
    When I started working as a freelancer, a very wise and experienced writer told me one helpful piece of information that has followed me in my career and other aspects of my life, “Don’t put all of your eggs in … Continue reading →The post Are You Placing All of Your Financial Eggs in One Basket? appeared first on SmartAsset Blog.
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    Liberta

  • 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 […]
  • Why do people believe the myth?

    Francois Viljoen
    26 Mar 2014 | 2:01 am
    In my previous article I explained why buying a house is often a very silly financial decision, especially for people who are young, or those that have a low net worth. In this article I’m going to explain why I think people are so infatuated with the idea of buying and owning a house, even […]
  • The Fallacy of Homeownership

    Francois Viljoen
    23 Mar 2014 | 2:13 pm
    Many people have a weird obsession with homeownership. When it comes to buying a house, they are willing to overlook, or even completely throw out, a bunch of financial values and principles they claim to hold dear. The unfortunate truth is, for many middle-class folks, buying a house is often a very silly financial decision, […]
  • Oscar Pistorius Trial… We are so screwed

    Francois Viljoen
    10 Mar 2014 | 1:08 pm
    I thought it was only in America… … but then my girlfriend told me DSTV has a dedicated channel to cover the Oscar Pistorius Trial. I did a quick search and what do you know? It is true. Turns out the average South African middle class citizen is just as obsessed as the rest of […]
  • Economic Zombies

    Francois Viljoen
    25 Feb 2014 | 11:40 pm
    Via Monty Pelerin’s World, Common sense is all that is required to be a good economist. Unfortunately, in order to get your union card, you must pretend to have none. Belief in fairy tales like more spending and “free lunches” is also necessary. What Is A Zombie? Webster defines zombie as … a will-less and […]
 
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    Girls Just Wanna Have Funds

  • Is It Possible To Find Good Sample Business Plan Generators Online?

    Ginger
    13 Apr 2014 | 7:28 am
    Writing a business plan may seem easy, but that’s not necessarily the case, even for those who have experience writing proposals. Some budding entrepreneurs spend more than three months to write their business plans. However, there have been entrepreneurs who have never written a business plan but have still managed to become multimillionaires. So what does that mean? Can you do without a business plan? If you do need a business plan, how can put one together easily and quickly? Map It Out Business plans are meant to help fledgling business owners set up their business. However, every…
  • I’m a collection agent. Here’s how you get rid of me

    Ginger
    7 Apr 2014 | 5:55 am
    Let’s say you owe money.  This could be a medical bill, old cell phone bill or even a delinquent credit card balance that a lot of late right now.  Now you have an annoying collection agent calling you throughout the day and even on weekends and you find yourself screening every call that comes through.  You might as well have debt collector PTSD.  You hide from phone calls, avoid opening the mail, have nightmares about being yelled at by a debt collector – the whole thing is just a mess! Have you been there?  Maybe you have, it’s possible you haven’t.  But if…
  • Join The Fem-Pow!er Movement: Meet Me In DC!

    Ginger
    25 Mar 2014 | 5:55 am
    What’s a Fem-Pow!er Movement Event Like? You + Knowledge + Fun = Fem-Pow!er First, you’ll sit your awesome self down and have a nice continental breakfast while you listen to the CEO (Chief Empowerment Officer) introduce you to Fem-Pow!er and your speakers for the day.   Alex Elle, Author & Entrepreneur: Alexandra L. Smith, more frequently known as Alex Elle, has made an immense impact on women, both of her generation and beyond. She has quickly gained recognition for her candid, honest words, most notably in her acclaimed debut book, Words from a Wanderer. Alex is also a…
  • Manage Your Business Finances Like A Boss

    Ginger
    19 Mar 2014 | 5:40 am
    Getting ahead in business can often seem like being Alice trapped by the Red Queen. You need to run as fast as you can just to stay where you are, never mind catching a break and really pushing forward. However, while juggling stock inventories, staffing, market penetration and finance can be a hard task, there is a way to make life easier. Taking a serious look at your finances isn’t always about cutting back or shifting money to avoid over extending yourself. It’s just as important to streamline the way you keep track of your money. Having a consolidated, secure and easy access credit…
  • 6 Money-Saving Tips for Freelancers

    Ginger
    12 Mar 2014 | 5:55 am
    Working freelance has become an extremely attractive option for many. It presents many advantages, including the freedom to manage your time, the chance to earn more than what you can from a regular job, and choose the projects you work on. But with great freedom comes great responsibility—as we often hear—and freelancing also entails the need for discipline when it comes to managing your resources, such as time, and most especially, your finances. New technologies and innovation have given birth to an aggressively growing freelance market. However, freelance work still comes with a…
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    The Finance Buff

  • Internet Retirement Police Rule Book

    Harry Sit
    16 Apr 2014 | 4:50 am
    The more I think about retirement, the more I realize it’s a very loose concept. You hear in the media how many Americans can’t afford to retire. If retirement itself isn’t very well defined, what exactly does it mean by saying someone can or can’t retire? Blogger Pete MMM was profiled in a Washington Post article Meet Mr. Money Mustache, the man who retired at 30. The article said he and his wife “retired from middle-income jobs [at 30] before they had their son.” Detractors say they didn’t retire. They just changed jobs, from engineering to home…
  • Find A Financial Advisor Outside Your Local Area

    Harry Sit
    14 Apr 2014 | 5:25 am
    While looking for a feature photo for my articles on using a financial advisor, I only found ones like this: The pictures show either a couple sitting across the table at the advisor’s office or the advisor coming to their home. The common phrase for working with an advisor is “sit down with an advisor.” Obviously it’s not saying you shouldn’t be standing up; it implies you should work with someone local. The popular lead-generation sites for fee-only advisors — NAPFA, FPA, Garrett Planning Network — all lead the search by your zip code, because most…
  • Save Money Or Make Money

    Harry Sit
    11 Apr 2014 | 5:25 am
    Starting next week, my weekly digest like this one will move to e-mail delivery only. I’m making this change because I want to populate the blog website with only full-featured articles. Regular articles will still be posted to the blog and included in the RSS feed. Current e-mail subscribers will continue receiving both new blog articles and the digest. No action is required on your part. If you are reading the blog articles in some other ways, I encourage you to switch over to e-mail subscription so you won’t miss the digest. If you prefer you can also sign up for just the…
  • 2013 and 2014 AMT Tax Brackets

    Harry Sit
    9 Apr 2014 | 5:28 am
    Up to the end of 2012, there had been news articles every year saying if Congress didn’t act how many millions of taxpayers would be caught by the Alternative Minimum Tax (AMT). Every year, Congress came to the rescue with a patch, saving those millions of taxpayers from the claws of AMT. They got tired of doing that. In January 2013, Congress passed American Taxpayer Relief Act of 2012, which permanently indexed the AMT for inflation, in addition to making most of the Bush tax cuts permanent. When Congress did the annual patches, they only adjusted one number: the AMT exemption amount.
  • Vanguard Financial Plan Review: (4) Worth It?

    Harry Sit
    7 Apr 2014 | 5:29 am
    This posts concludes my series on the Vanguard financial plan. See previous posts for details about the questionnaire, the written plan, and the consultation. I think it was a good checkup. The recommended portfolio allocation was sound. It provided a good roadmap for getting on the right course. For this reason, it should be done early, not when you are already close to retirement. I wish I had done it when I was 25 or 30. Narrow Focus But Right Coming from Vanguard, the financial plan was heavily focused on the investment part. The recommendations fell in line with the composition of a…
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    DollarVersity

  • Shop Local: The Stores You Oppose Started Small And Local

    Eric J. Nisall
    24 Mar 2014 | 5:00 am
    The calls to “shop local” have been growing louder year after year. Even one of the largest credit card companies, American Express, started a movement called “Small Business Saturday” to entice consumers to shop at small businesses. It seems that society has become a bit hypocritical lately. As a whole, we applaud entrepreneurial spirit and even encourage people to start a businesses to achieve financial success (although it isn’t always the answer or even the right thing for certain people). But then we condemn big-box national chains for whatever reason with…
  • The BIGGEST SECRET About Taxes You Will EVER Read!

    Eric J. Nisall
    12 Mar 2014 | 11:50 am
    I bet you thought you were going to be blown away by some super-secret, S.H.I.E.L.D. level 10-access info, huh? You probably saw the title and thought “Oh, wow, now I’m going to get the real scoop!” Or, perhaps you just clicked on the link because it looked really important with the uppercase font showcasing the “biggest secret” that would be revealed.   Not everything that people say are secrets are even remotely close to that. It’s generally just a ploy to get your attention.   Well here it is…. You are gullible, and everyone knows it!
  • How To Look Like A Fool When Asking For A Discount

    Eric J. Nisall
    26 Feb 2014 | 8:27 am
    I have lots of clients who make me shake my head. There’s the people who hand their kids everything on a silver platter. There’s the guy who calls at least once a week with a new scheme to avoid paying taxes (“scheme” being the operative word). There’s the other guy who doesn’t want to pay taxes via salary but then wants a bigger tax refund at the end of the year.   If you’re going to request a discount on something, be smart about it.   Then there’s the person who inspired this little story. Well, honestly I wouldn’t have even…
 
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    Maximizing Money

  • Modern Tailor $20 Discount and $25 Referral Coupon for Custom Menswear

    Max Messner
    17 Apr 2014 | 1:34 pm
    Modern Tailor provides custom tailored shirts, suits, jackets, pants, and vests for men as well as silk ties, cufflinks, and uniforms with a $20 discount off your first purchase for new customers and $25 referral coupons for every new customer that you refer. New Modern Tailor customers can get $20 off your first purchase when you order through a referral link. Plus, anyone can participate in the Modern Tailor referral program, whether you’ve previously placed an order with them or not, and you’ll receive a $25 coupon for each new customer that you refer. $20 Modern Tailor…
  • Columbus Metro Federal Credit Union $50 Referral Bonuses in Ohio

    Max Messner
    17 Apr 2014 | 10:18 am
    Columbus Metro Federal Credit Union offers up to a $50 referral bonus for both parties when a current member refers a new member to Columbus Metro FCU. Membership in Columbus Metro FCU is open to anyone who lives, works, worships, attends school, or volunteers for an organization in Franklin County, Ohio, as well as immediate family members of current members. When a current Columbus Metro FCU member refers a new member who opens 1 or both qualifying accounts, you’ll both receive up to $50 in referral rewards. Columbus Metro FCU Referral Rewards Both members will earn up to $50 in bonus…
  • Ford Test-Drive $50 Gift Check via EcoBoost Challenge

    Max Messner
    16 Apr 2014 | 1:45 pm
    The Ford Coast-To-Coast EcoBoost Challenge is offering a $50 gift check when you test-drive a Ford vehicle by April 30, 2014, limited to under 1,000 registrants in select ZIP codes only. Updated 4/17/2014: This Offer has Expired Again, but it has come and gone a couple of times now, and it may come back again, so you might want to check the link before giving up on it (I’ll also update this further if it returns). Just test-drive a Ford between April 1st and April 30th for up to 30 minutes to receive a Dealer Code that is good for 1 $50 gift check while supplies last. How To Get $50…
  • Indochino Custom Menswear $50 New Customer Discount and Referral Rewards

    Max Messner
    16 Apr 2014 | 1:34 pm
    Indochino provides custom online menswear including suits, shirts, blazers, pants, and accessories, plus you can get a $50 discount off $300 for new customers and earn up to $5,000 in referral rewards. Indochino allows you to perform a quick measurement process at home with no tailor required, and then order professional and fashionable menswear that is hand tailored and delivered anywhere in the world within 4 weeks. New Indochino customers can get a special promotional code that is good for $50 off your first purchase of $300 or more when you sign up through a current member’s…
  • How To Earn Extra Miles and Points while Roaming with Travelling Connect

    Max Messner
    16 Apr 2014 | 10:39 am
    Travelling Connect lets you earn more frequent flyer miles or hotel points when roaming abroad on your mobile phone in foreign countries. For example, you can earn up to 10 Marriott Rewards points per minute of call time abroad with participating networks in Europe, the Middle East, Africa, America, and Asia. The Travelling Connect service is free of charge to use and is available regardless of your own carrier, country, or subscription type. The only prerequisite to use the service is roaming on a Travelling Connect Partner Network, which comprises over 25 mobile networks including Cable and…
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  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
 
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  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
 
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
 
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
  • add this feed to my.Alltop

  • Can you spot all the little secrets in Pixar films?

    17 Apr 2014 | 3:48 pm
    Can you spot all the little secrets in Pixar films?APFrom 'Toy Story' to 'Up,' there are hidden references to past films ... and teases of movies yet to come.'Hunt' people are going wild overMore to see Team hosts 'Seinfeld' nightMassive 600-lb game of Jenga
  • Huge cargo ship runs aground in Chesapeake

    17 Apr 2014 | 3:48 pm
    Huge cargo ship runs aground in Chesapeake APThe massive 751-foot-long vessel drew onlookers at Virginia Beach earlier this week.Explanation the Coast Guard gave for why its anchors failedMore newsNew allegations against 'Scandal' star Model arrested in torture case
  • Nobel Prize-winning author dies at 87

    17 Apr 2014 | 3:48 pm
    Nobel Prize-winning author dies at 87GettyGabriel Garcia Marquez 'exposed readers to Latin America's passion, superstition, violence and inequality.'Possibly literature's best-known practitioner of magical realismMore in the newsLeaders call for end to drug warCities with the best street art
  • Something on beach caught woman's eye ...

    17 Apr 2014 | 3:48 pm
    Something on beach caught woman's eye ...GettyShe thought it was a bottle cap. Then, she realized it was a wedding ring that was probably very special.Funny 6-word inscription that has gone viralLove is in the airJenny McCarthy engagedStar duo to kick off joint tour
  • Chelsea Clinton reveals she's pregnant

    17 Apr 2014 | 3:48 pm
    Chelsea Clinton reveals she's pregnantGettyDuring a speech on Thursday, the former first daughter broke the news that she and her husband are expecting their first child.Approximate due date she divulgedMore newsObamacare signups hit 8 million Chipotle planning price hike
 
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    Bible Money Matters

  • Top 5 Lessons I Learned At FinCon

    Peter Anderson
    14 Apr 2014 | 7:10 am
    There were quite a few things I learned at FinCon last year. Here are my top 5 lessons learned .The post Top 5 Lessons I Learned At FinCon appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • My Top 5 Favorite Banks And Brokerages

    Peter Anderson
    10 Apr 2014 | 11:43 pm
    Today I thought I would give a list of the top 5 banks and investing companies that I actually use and have accounts with.The post My Top 5 Favorite Banks And Brokerages appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 4 Reasons To Start Saving for Retirement Now

    Miranda Marquit
    10 Apr 2014 | 8:06 am
    If you want to improve your finances for your future, now is a good time to start saving for retirement. Here are 4 reasons to start saving now.The post 4 Reasons To Start Saving for Retirement Now appeared first on Bible Money Matters and was written by Miranda Marquit.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • TurboTax 2013 Review: Simplifying A Complex Tax Filing Process

    Peter Anderson
    9 Apr 2014 | 9:33 am
    TurboTax has gone through changes over the years, but one thing that hasn't changed is how easy it is to file using their product. Here's an in depth reviewThe post TurboTax 2013 Review: Simplifying A Complex Tax Filing Process appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Spring Is Coming: Time to Clean Up Your Finances

    Claire Murdough
    8 Apr 2014 | 9:09 am
    Spring is here! Take the opportunity to spring clean your finances for the benefit of the coming months (and years) ahead.The post Spring Is Coming: Time to Clean Up Your Finances appeared first on Bible Money Matters and was written by Claire Murdough.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • 10 Creative Easter Egg Decorating Ideas

    Bob
    16 Apr 2014 | 8:47 am
    It seems like until Pinterest came around, everyone decorated Easter eggs exactly the same way: with the vinegar and colored tablets. And while you can exercise a little creativity with that dye method, why not explore some other ideas for decorating eggs this year? These are some ideas that we found and be sure to let us know which ones you like best in the comments below! Washi Tape Easter Eggs Source: Pinterest Drizzled Easter Eggs Source: Pinterest Glittered Easter Eggs Source: Pinterest Hand-painted Easter Eggs Source: Pinterest Gold-penned Eggs Source: Pinterest Electrical Tape Eggs…
  • 6 Things You Can Buy That Will Pay for Themselves in a Year

    Bob
    14 Apr 2014 | 8:00 am
    I really get a kick out of doing little things that will pay big dividends. So each of these six items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that you can run out and buy everything mentioned here and actually be richer in a year! Yes, you are welcome! 1. “SmartStrip” Surge Protector If your computer setup is anything like mine you have an overflowing surge protector behind your computer desk that is powering all kinds of peripheral computer devices. This is where the SmartStrip starts to shine. Whenever you power down…
  • What Does “Storing Up Treasure In Heaven” Mean?

    Jason Topp
    11 Apr 2014 | 8:00 am
    What could be better than the American Dream? A steady job, money in the bank and a hefty 401(k) for retirement – coupled with a nice house in the ‘burbs, a white-picket fence, two kids and a dog, a swagger wagon for mom and a sedan for dad. Life couldn’t get any better than that, right? Isn’t There More to Life? I mean, do we just go through life trying to reach the next promotion so we can move into a better neighborhood with a better school system so our kids can do better than we have done? I often think about what Jesus might say regarding the American Dream. Would he…
  • Your Tax Refund: How You Should Use It and Why You Should Lose It

    Guest
    9 Apr 2014 | 8:13 am
    If you are like the majority of Americans, you have already or are expecting to receive a tax refund (where’s my tax refund?).   So what exactly is a tax refund? It is NOT winning some sort of income tax lottery, nor is your Uncle Sam sending you some special “government money”.  It is simply a refund.  Because you overpaid your taxes, the government, after keeping your money all year long, is giving it back to you. What should you do with it? It depends, but answering the following questions will establish your priorities: Are you behind on any payments? If so, get caught up…
  • My Checklist To Financial Freedom

    Bob
    7 Apr 2014 | 10:00 am
    I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on. Some of the listed items are bigger and will take a long time, and some of them are simple tasks that you can accomplish in a day. Some will be relevant to your situation and some will not – that is why it is called “personal” finance –…
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    PT Money

  • Should You Go to College or Start a Business?

    Emily Guy Birken
    17 Apr 2014 | 10:32 am
    It’s been almost four years since former PayPal Chairman and CEO Peter Thiel started the 20 Under 20 program—the controversial initiative that paid 20 college students up to $100,000 to drop out of school. Basically, Thiel’s initiative hoped to show that the best path to success is not necessarily through education (and its attendant debt burden), but through entrepreneurship and innovation. While none of the young entrepreneurs that Thiel sponsored back in 2010 have catapulted to success and business stardom, the actual question behind the initiative still seems to be a valid one: Is…
  • Small Business Finances: The Key Financial Pillars of Building a Start-Up

    Philip Taylor
    14 Apr 2014 | 12:58 pm
    Here’s a note from a reader: “…thank you for the information you provided on Entrepreneurship on Fire. I was deeply encouraged and felt led to contact you. I am a 24 year old entrepreneur, economics and finance major, former athlete. Recently I quit my IT sales job to focus on my a project I have been working on since December. My partner and I are launching the site in 6 weeks- online sports media business. Just wanted to ask a question- What are the key financial pillars of building a start-up?“ I would suggest a few things: 1. Create a partnership agreement and…
  • Time Management for Part-Time Entrepreneurs

    Emily Guy Birken
    7 Apr 2014 | 9:13 am
    Part-time entrepreneurs have the best and worst of both worlds. While they face less financial risk by keeping their full-time jobs while growing their business, they run up against the problem of time management. How do you find the time to grow your business when so much of your time is already spoken for? The secret to managing your time is all about using the time you have in the wisest possible way. Here are four tips for doing just that: 1. Know where your time goes. Managing your time is no different from creating a budget: your first order of business is to track your expenses. You…
  • Hawaiian Airlines Elite World MasterCard Review – 35,000 Bonus Miles

    Michael Pruser
    2 Apr 2014 | 6:00 am
    If I were to ask you to pick one state you would want to vacation in, which would you choose?  Sure, some might say Florida, California, even South Dakota if you’re a “I love monuments” kind of guy; but I think the overwhelming majority would exclaim HAWAII. Hawaiian Airlines has 29 different locations within the continental US which allow for flights to the Aloha state.  Not all of them are direct flights (unless you live on the West Coast, the only direct flight is from New York) and while the cost can be pretty expensive, a great way to defer flight fees would be to be…
  • Don’t be a Fool: Setup a Fee-Free Financial System

    Philip Taylor
    1 Apr 2014 | 5:30 am
    Did you get fooled this April Fool’s day? If you did, now is your chance to redeem yourself. Today I’m going to show you how to set up a fee-free financial system. Photo Credit: purplemattfish via Compfight cc Getting dinged with an unexpected fee can make you feel like a fool. And paying for something when there’s an equal and free alternative available, well that’s just foolish. Certainly don’t die on the hill of “all things free”. But we live in a time where you can get quite a few financial tools for free. So take advantage… Start with Free…
 
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    RetirementRevised

  • Long-term care: Why your location really matters

    Mark Miller
    17 Apr 2014 | 10:26 am
    Location, location location: Not only is it key to the value of real estate, it’s also a big driver of the cost of long-term care. A study of long-term care costs in the United States released this week shows that the cost of long-term services and support varies dramatically by location. For example, the national median cost of a private nursing home this year is $87,600 – but it’s $155,125 in Connecticut, $87,180 in Ohio and $57,487 in Oklahoma. “The differences are driven by general demand and supply of labor, the cost of living and level of affluence in a particular…
  • Time to raise – or scrap – the Social Security payroll tax cap

    Mark Miller
    15 Apr 2014 | 12:07 pm
    It’s Tax Day, and a small number of wealthy Americans will have something to celebrate: They’ll be done paying Social Security taxes for the year. The payroll tax that funds Social Security is levied only on a certain amount of income. This year it’s capped at $117,000. That means most wage earners will pay 6.2 percent of every dime they earn in 2014, but high earners will stop paying after passing the cap. If you’re among the 318,400 workers who will earn $407,000 or more this year, you’re done paying Social Security taxes today, according to the Center for Economic and Policy…
  • Considering retirement abroad? What you need to know

    Mark Miller
    11 Apr 2014 | 12:29 pm
    Are you thinking of retiring abroad? It’s a growing trend: the number of retirees, spouses and widows receiving Social Security benefit payments outside the U.S. rose 26 percent to 542,451 between 2006 and 2012, according to the Social Security Administration. And that figure likely understates substantially the number of retirees living abroad, since many retirees abroad simply withdraw their benefits from U.S. bank accounts. Retiring abroad can reduce the expense side of a financial plan in some cases – retirees can live comfortably on just $25,000 a year, according to Suzan Haskins…
  • Out of work and under 65? Here’s how to retool your retirement plan

    Mark Miller
    10 Apr 2014 | 9:02 am
    We reached a milestone last week when the government reported that the U.S. economy has regained all the jobs lost during the Great Recession. Yet for many older workers the recession never ended; long-term joblessness has morphed into de facto premature retirement. Now, millions are performing financial triage on retirement plans that had been based on assumptions of working longer. The overall job market does look promising, and on the surface, the outlook for older workers doesn’t look bad. The jobless rate for workers over 55 was 4.7 percent last month, well below the national rate…
  • Getting a handle on health care in retirement

    Mark Miller
    9 Apr 2014 | 8:13 am
    Health care is one of the largest expenses most Americans will face in retirement – and it’s among the most difficult to predict. At the recent Morningstar Individual Investor Conference, I joined a panel discussion of strategies for meeting health-care funding needs using Medicare, Medigap, long-term care insurance health savings accounts – and the Affordable Care Act. My co-panelist was a top expert on the intersection of financial planning and health care – Dr. Carolyn McClanahan. Carolyn is the founder of Life Planning Partners, and a physician. She is a member…
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    The Financial Blogger

  • What is The Best Emergency Fund?

    The Financial Blogger
    15 Apr 2014 | 3:00 am
        It may sound like a financial planning topic but this is only common sense: you need an emergency fund. If you are young and starting your career; you need an emergency fund to cover for a job loss. You have a young family and a mortgage; you need an emergency fund to cover a broken washing machine. You grow older, don’t have any debts; you still need an emergency fund to cover for healthcare. As you can see, all your life, you will need an emergency fund.   HOW MUCH SHOULD BE IN AN EMERGENCY FUND?   In financial planning, we often talk about 3 to 6 months worth of…
  • How I earned a second paycheque in my spare time

    The Financial Blogger
    8 Apr 2014 | 3:00 am
      This is a guest post from a blogger fella Robb Engen. After some discussion, I realized that he was running several online gigs on the side and his wife has even stopped working! He would definitely qualify for my post “Successful Double Income Stories That Don’t Lead to Quitting Your Job.” Enjoy!   One thing I’ve always admired about Mike is that he has managed to negotiate a four day work week so he could devote more time to his side business.  He’s struck the perfect balance between entrepreneurship and a steady paycheque. I don’t have a four day work week but I…
  • Private School is the Way to Go – Public School….

    The Financial Blogger
    3 Apr 2014 | 3:48 am
      I just had a very interesting discussion about money with my partner not so long ago. He is the only guy on earth with whom I can discuss this incredibly taboo topic of sex money!  We both know each other’s salary, bonuses, net worth, debt level, etc. We don’t judge and simply share.   Sometimes it is quite a relief as I couldn’t tell anybody about my financial situation (besides you guys, but it’s not like a real face-to-face discussion!).   I was telling him how my saving plan was going to fund my children’s private education. I opened a TFSA last year and…
  • Successful Double Income Stories That Don’t Lead to Quitting Your Job

    The Financial Blogger
    1 Apr 2014 | 3:00 am
        We often read on the web about dotcom moguls who quit their job to live free and happily in the marvelous world of internet. For a while, I was skeptical about these crazy stories until I met a few of these bloggers personally. Still, I can totally understand why some of you are not too convinced it’s possible to literally live from your computer.   I recently dug into my network to find people who actually decided to increase their income and live a better life by creating a lucrative sideline. Through these five stories, I want to show you how it is possible to put your…
  • Index Investing; Is It Always Better Than Mutual Funds?

    The Financial Blogger
    27 Mar 2014 | 3:04 am
        Sometimes, I have the feeling that people think that managing their investments is as easy as making a peanut butter sandwich in the morning…   From what I’ve read in the financial industry for the past ten years, high management fees (called MERs) charged on mutual funds hurt a small investor’s portfolio. In fact, if we look at the Canadian industry, most investors pay about 2% (and sometimes more!) to invest in mutual funds. In other words, if you invest $1,000 and your fund make 5%, you only earn $30. The other $20 is paid to the mutual fund company to cover their…
 
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    Intelligent Speculator

  • The Stock Market

    IS
    17 Apr 2014 | 3:15 am
    The other day I ran across this quote which is one of my favorite ones about the markets: “In the short run, the market is a voting machine but in the long run, it is a weighing machine.” ― Benjamin Graham I strongly believe in that concept. One clear question though is what the “short run” represents. I’d argue that over  few days or even a few weeks, stocks move mostly based on how “popular” they are but if a stock stays “out-of-value” for too long, a longer term fund or asset manager will end up buying or taking a short position. That is…
  • The Biggest Battle Yet For Ecosystems ($AAPL, $GOOG, $FB, $MSFT, $AMZN)

    IS
    16 Apr 2014 | 2:00 am
    As i continue to be fascinated by the ecosystem battle that is raging on, it is becoming very clear that there will not be one winner that will take the whole market. Instead, we will have a few strong players that have dominant ecosystems and specific apps will be dominated by players no matter what the ecosystem is. Some of those battles already have clear winners: -Social: Facebook (FB) -Search: Google (GOOG) -Mobile O/S: Apple (AAPL) and Google (GOOG) -App stores: Apple (AAPL) and Google (GOOG) -Maps: Google (GOOG) -Online Commerce: Amazon (AMZN) -Physical Shipping: Amazon (AMZN) -Online…
  • Ultimate Sustainable Dividend Portfolio – April 2014 Update

    IS
    15 Apr 2014 | 2:00 am
    In September 2011, I did some in-depth research to find long term sustainable dividend stocks and have been doing updates on this Ultimate Sustainable dividend portfolio since then in the attempt to show how well such a portfolio can perform over the long term. I would personally say that things have been going very well and will certainly continue to evolve. I do have a few more things planned which I will discuss in the near future. The USDP is obviously a critical part of my now very public quest to replace my job income with passive income. you can see my most recent update here. The last…
  • Weekend Readings

    IS
    11 Apr 2014 | 2:00 am
    I continue to listen to the audiobook about Amazon the everything store and find it truly fascinating…! What a company and what a story. Hopefully I can keep listening a bit more this weekend. If you are looking for some interesting readings to end your week, here are a few that I enjoyed: General Readings -The future for real interest rates @ FT -Retirement Advice, Without the Sugarcoating @ NYT Passive Income & Dividend Readings -The Rock Solid Ranking is live @ TheDividendGuyBlog Tech Stock Readings -Black box strategy @ Stratchery -Google (GOOG) prepares to launch TV @…
  • Should Yahoo (YHOO) Go Down The Netflix (NFLX) Road?

    IS
    10 Apr 2014 | 2:00 am
    It’s fascinating to see how quickly the ecosystem plays are evolving. They are rolling out new products, acquiring others in order to extend their reach and increase the lock-in effect. At this point, there are 6 clear contenders which in a way already look like winners: -Apple (AAPL) -Google (GOOG) -Amazon (AMZN) -Microsoft (MSFT) -Facebook (FB) Some would argue that Amazon has little to do with the others but I’d argue that over time, they will increasingly compete. Facebook offers a different kind of ecosystem/platform but looks strong and established enough to warrant its…
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    Kingdom Calling

  • A Couple Updates

    Wes Bridel
    25 Mar 2014 | 5:17 pm
    It’s been too long since our last post and as you’ll read below, we hope to get this blog a little more active.  I wanted to make this quick post just to point out a couple things going on with: 1) The newest addition to our team here at Kingdom Calling 2) A friend’s blog and business who helps writers get published as New York Times Best Sellers & 3)  A short word on geopolitical & macroeconomic events Welcome Robin Slaughter!Robin has joined us as the Office Manager here at Kingdom Calling and our other related businesses.  I’ll probably speak more about a…
  • The Government has “Saved” us from the Government!

    Wes Bridel
    16 Oct 2013 | 12:47 pm
    It appears as I write this that the government will come to a Debt Ceiling agreement just in the nick of time.  Of course, that has probably been their plan for months (and is exactly what I would have told you months ago if you had asked what they will do).  This appears to be a favorite strategy of Pres. Obama’s although he provides no leadership in these matters, so it’s hard to say it’s his strategy. Do you believe that crises as been averted?  Or do you see this as more along the lines of the politicians creating a crises so that they can avert one for their own political…
  • QE to Infinity

    Wes Bridel
    11 Oct 2013 | 10:56 am
    Could QE go on forever?  I think Jim Sinclair coined the term “QE to Infinity” to mean that the US Fed’s printing of money will never stop.  They can’t possibly stop it based on their current thinking and objectives.  What they are doing is an incredibly stupid idea, but their choice is basically to have crises soon, or keep printing and hope that the crises comes on the next guy’s watch…even though that means the crises will be bigger than it had to be. Well, when we put out the August newsletter, we told you all of this.  At that time, just about everyone on Wall Street…
  • Gold & Silver: Backwardization & Conclusion

    Wes Bridel
    9 Sep 2013 | 3:10 pm
    The gold and silver markets have had a crazy year with big drops in US dollar prices and a big bounce from the lows.  We’ve been discussing these markets here and here.  Today we’ll look at another big issue and conclude the focus on silver and gold before moving on to other topics… Backwardization This is why the gold futures prices have been in backwardization for months now.  This is unprecedented.  As it stands now, the market will pay you to hand over your gold bars today and collect new ones in the future.   (We’re talking big bars here, this isn’t something…
  • Silver & Gold: This year’s smash on prices

    Wes Bridel
    5 Sep 2013 | 4:00 am
    What can be said about Silver & Gold prices this year?  We started a new blog series Tuesday by discussing today’s price action with that of the 1970’s and How to know when prices will start falling for good.  Today’s post is the second of three posts on gold and silver. We’ve talked ad nauseum about the western central bank’s desire to control the price of silver and gold so that the general public is not spooked out of holding their pretty paper.  (The Federal Reserve of the US specializes in pretty green paper, but the UK & Europe like to make multicolored…
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    Don't Quit Your Day Job...

  • A Visualization of IRS Collections Since 1960

    PK
    17 Apr 2014 | 2:15 am
    On this page is a visualization of the sources for tax revenue collected by the IRS between fiscal years 1960-2013 in the United States. All data in the visualization comes from the IRS’s 2013 Data Book. Apologies to our cell phone readers – you should view this on a tablet, laptop, or desktop (or something with a big screen).  If you’re in a Reader, please click through for the whole effect.  IRS Tax Collections By Year, 1960-2013 Note that we ignored the time-frame switch in 1976 by dropping that data from the visualization. Read the data book for more information. All…
  • Oh, Your House? It Was a Bad Investment.

    PK
    14 Apr 2014 | 5:15 am
    In this article, we present a Home Investment Calculator.  We estimate median values and actual returns for any of 356 American Metropolitan Statistical Areas in an attempt to tell all of our American readers exactly how well their homes have performed as an investment. Real Estate Return Calculator For those of you reading this on feed readers or through other non-traditional methods of DQYDJ consumption, please click through to use this calculator. Estimated Values – We automatically populate 356 Metropolitan Statistical Areas, and attempt to guess the values of median homes at the…
  • The DQYDJ Weekender, 4/12/2014

    PK
    12 Apr 2014 | 1:05 pm
    Worse than Y2K, AND this actually happened. I’m sure you’ve heard, but around half the internet had been compromised for about the half year due to the so-named Heartbleed bug.  We know that it was found at least 3 times – by the NSA (probably), by Google, and by a Finnish researcher, Leena Snidate.  It has been in the wild since 2011 – if you think you’re safe and those are the only three?  I’ve got some Wyoming property on the Atlantic Ocean for sale. Change your passwords. On a hilarious note, while talking to my Mom on the phone on her birthday…
  • Is a Tax Refund Really That Bad to Receive?

    PK
    9 Apr 2014 | 5:00 am
    Ahh, April.  Your taxes are now (or will shortly be) filed, and you’ve got a tax refund on the way. All’s right in the world, right? Well, yes – but in the Personal Financial niche, you can expect the sanctimonious chants of “but you gave the IRS an interest free loan!” to start posthaste – likely before the ACH from the Treasury even hits your account (or whatever refunds you money in Canada, for our fine Northern readers). Is Getting a Tax Refund Really So Bad? Our personal views have evolved on a few things – we tend to agree with our colleague…
  • Taking the Market’s Temperature – Main Street Edition

    PK
    7 Apr 2014 | 5:30 am
    We’re on record as of last November predicting a plateau (well, technically we predicted a gentle upslope) in the American stock markets… at least over the decade ending November 2023.  As part of our hedging, we checked a number of indicators – including so-called “market sentiment” indicators – when we made our call. Now, our investor articles in general come in sort of a staccato rhythm.  Since we’ve been conspicuously absent from the market and investing community recently, we wanted to reenter the cage and repeat our analysis of what individual…
 
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    Quizzle Wire

  • You Should Be Tipping These Five People

    Miranda Marquit
    17 Apr 2014 | 12:00 pm
    In recent years, the practice of tipping has taken on a new level of controversy. Should you tip? When should you tip? Maybe we should just make sure everyone is paid at least minimum wage and get rid of tipping altogether. It’s a difficult issue, and one that inspires strong feelings. However, what’s even more confusing is the rise of tipping beyond what you leave for your food server or hotel room cleaner. CNN Money points out that many of us are at a loss, but if you are in doubt, it’s probably better to tip. Here are five people that CNN Money thinks you should be tipping:…
  • When Can You Get a Free Credit Score?

    Miranda Marquit
    17 Apr 2014 | 6:00 am
    It’s possible to get a free credit report from each of the three major credit reporting agencies just by asking once a year. However, you might have to do a little extra work to get free access to your credit score. While there is no law providing you with the ability to get a free credit score each year like there is entitling you with a free credit report, there are ways to get access to your credit score without paying a penny. Here are some of the ways that you can get a free credit score: A Negative Outcome to Your Credit Application Anytime there is a negative outcome resulting from…
  • When Cash is Cheaper Than Credit Cards

    Erin El Issa
    16 Apr 2014 | 6:00 am
    A credit card can be a great tool when used responsibly. It can net you cash or travel rewards, extend your factory warranty on large purchases, and protect your purchases in case of theft or damage. However, it may not always be the best idea to charge everything to a credit card. Let’s discuss when it would be beneficial to pay cash instead. Payment for Services or Government-Related Payments with Convenience Fees Often times, putting your college tuition or tax payments on a credit card can cost you 2% or more in convenience fees. This will almost always offset any points or cash-back…
  • What is a Drive-by Appraisal?

    Quizzle
    15 Apr 2014 | 9:41 am
    This article is from our sister company, Title Source. If you’ve gone through the process of selling or buying a home before you may know that completing an appraisal could take weeks. Between a thorough inspection, documenting findings, building a list of comparable properties and adjusting for property difference, time can easily add up. However, not all appraisals are created equal. As a matter of fact, some appraisals don’t even require the appraiser to enter the property. How can the appraiser provide an accurate appraisal if they don’t even walk through the front door? In…
  • When Should You Freeze Your Credit?

    Stephanie Halligan
    15 Apr 2014 | 6:00 am
    Freezing your credit – seems a little drastic right? When you hear the term “credit freeze,” you may immediately think about throwing your plastic into a bucket of water, tossing it into the freezer and leaving it there for good so it’s literally frozen (and so is your temptation to spend unnecessarily). While that kind of credit freeze is a great way to keep you from spending too much on your credit card, it might not prevent someone else from using your credit history to make purchases of their own – also known as identity theft. Identity theft is on the rise in America;…
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    Get Out of Debt Guy

  • Credance Law Group – Consumer Complaint – April 16, 2014

    Steve Rhode
    16 Apr 2014 | 10:24 am
    Consumer Statement: I was scammed by credence law group we paid them $3500 to get a loan modification on our mortgage they have not done anything to help us at all they took our money and we get no response from anyone at all. we want our money back but cant contact anyone they are ... Read the full article at Credance Law Group – Consumer Complaint – April 16, 2014
  • Crazy Times for Legal Helpers and Macey Bankruptcy Law

    Steve Rhode
    15 Apr 2014 | 12:46 pm
    Old dogs in the debt relief field will instantly recognize the names Legal Helpers and Macey Bankruptcy Law from the debt settlement heyday. A tipster (send in your tips here) brought to my attention that Macey Bankruptcy Law, Macey & Aleman, Legal Helpers, and Jacoby & Meyers Bankruptcy were all named in an involuntary bankruptcy ... Read the full article at Crazy Times for Legal...
  • Reader Sends n Student Loan Relief Group Mailer That Concerns Her

    Steve Rhode
    11 Apr 2014 | 1:26 pm
    An amazing reader FTC Investigator sent in a new debt relief mailer through my I Buy Junk Mail program. The reader said this about the submission: “This is a very misleading letter as it states that I am eligible for the student loan reform act. It implies that there is some sort of government program ... Read the full article at Reader Sends n Student Loan Relief Group Mailer That Concerns...
  • Things Wrapping Up in Lloyd Ward, Lloyd Regner, and ABC Debt Relief Case

    Steve Rhode
    11 Apr 2014 | 9:25 am
    Back in 2010 a bunch of debt settlement employees filed suit against ABC Debt Relief, The Debt Answer, Lloyd Ward, Lloyd Ward & Associates, and Lloyd Regner for wages owed. You can read more about that suit and its X-rated allegations, here. According to files just sent to me by a tipster (send in your ... Read the full article at Things Wrapping Up in Lloyd Ward, Lloyd Regner, and ABC Debt...
  • Scott Law Group Adds Financial Solutions Legal Center

    Steve Rhode
    11 Apr 2014 | 8:50 am
    The law firm Scott Law Group out of Washington has added another debt relief company to their list of targets. Lynch Financial Services, Inc, which is also doing business as Financial Solutions Legal Center was recently added to the growing member list. How the Scott Law Group finds all these companies is beyond me. Get ... Read the full article at Scott Law Group Adds Financial Solutions Legal...
 
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    About.com Financial Software

  • Webby Awards Nominees: Financial Online and Mobile Apps

    17 Apr 2014 | 3:37 am
    There are just a few more days left to cast your People's Voice votes in the 18th Annual Webby  Awards, which honor the most useful and cool websites and mobile apps of the year.  I've outlined the nominees in the Banking Financial Services Websites and Real Estate Websites and Mobile Apps categories here in 2014 Webby Awards for Personal Finance Websites and Mobile Apps. There are two links to the voting in the article, and although I explain the financial websites and apps that have been nominated, you can vote for any category using one of those links....Read Full Post
  • 4 Best iOS Apps for Easy Home or Apartment Search 2014

    16 Apr 2014 | 12:18 pm
    The best apps for finding a home or apartment on your iPhone, iPad or iPod Touch include the dependable "old timers", Trulia and Zillow, which have real estate and rental apps. You'll want to check out the comparatively new Movoto or Homesnap apps if you're in the market to buy a home. Movoto connects you with vetted real estate agents, and Homesnap gives you info after you snap a photo of a property that's for sale (how cool is that?)....Read Full Post
  • How to Avoid Paying Income Taxes with Your 2014 Return

    15 Apr 2014 | 10:10 am
    Had to pay income taxes with your return this year? You don't have to next year, and the IRS is providing an of online app to help with that....Read Full Post
  • 2014 Best Android Real Estate and Rental Apps

    15 Apr 2014 | 7:32 am
    Here are my annual top picks for the best apps to help you with your home or apartment search on your Android mobile device. While all of these apps help with rentals as well as home purchases, renters need to check out the Lovely app....Read Full Post
  • 10 Minutes or Less to Get a 6 Month Extension on Filing Taxes

    14 Apr 2014 | 9:32 am
    You have until midnight tomorrow, April 15, to file your income tax return if you haven't already done so.  If you have a simple return and about 30 minutes to spare, use the free or basic version of online tax software to complete and e-file your return....Read Full Post
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    Credit Card Chaser

  • How to Lower Your Credit Card Interest Rates

    Alice
    11 Apr 2014 | 3:44 pm
    Are you paying too much interest on your credit card? If you have high interest rates, you may want to consider calling your credit card company. A quick phone call to your credit card issuer can end up saving you hundreds of dollars in interest charges. And although it may seem too good to be true, simply calling your issuer and asking for a lower interest rate can work. In many cases, your credit card issuer will be more than happy to please you to keep your business. Many consumers end up dealing with high interest rates for years, just because a card may seem fixed. And it can be quite…
  • Spring Cleaning Your Finances

    Alice
    7 Apr 2014 | 9:02 am
    It’s spring, and that means spring cleaning! Time to start going through the house, getting rid of old things, and cleaning from top to bottom. And with all the dusting, scrubbing, and organizing going on, you probably haven’t thought much about your finances. But your finances may need some cleaning too. By simply going through your finances and organizing them, your finances, along with your house, can have a fresh start this spring. Here are some easy ways to organize and set yourself up for financial success: Organize your spending, and make a budget if you don’t already have one.
  • How Can I Get the Best Credit Card for Me?

    Alice
    21 Mar 2014 | 3:59 pm
    From great rewards to special promotions and easy approvals, each credit card has its own thing. And with hundreds of credit cards to choose from, it can be hard to make the right decision. So, before you choose just any credit card, do your research. Although the flashy advertisements may make a certain card more appealing than others, that card may not have the best deal for you. By making sure that you understand the following, you can get the best credit card for you. First, it is important to pick a card that is right for you. Do you travel a lot? Do you spend a lot of money on gas and…
  • Citi ThankYou Preferred Card for College Students – Earn 2,500 Bonus Points

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

    Alice
    14 Mar 2014 | 3:34 pm
    It is never too early to start teaching your children the basics of money management. And one of the most important things to understand is how to use credit. By educating your children at an early age, you can insure that they become financially responsible and credit savvy. They will then have the tools to succeed financially. Here are some easy ways to help your children build credit: Open a savings and checking account in your child’s name. The first thing to do is set up banking accounts, especially a checking account. Although just having these accounts will not build credit, it is…
 
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    Ready To Be Rich

  • Think, When You Were Still a Kid…

    Fitz
    15 Apr 2014 | 1:38 pm
    Think, when you were a KID. Everything was POSSIBLE. You put a BLANKET over your back, then you became SUPERMAN. You take your mom’s BROOM and ride on it, then you became a WITCH. You climb up the TREE, not knowing that you might fall. You simply MADE IT. You just had an IDEA and […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: Think, When You Were Still a Kid…Help your kids become Money Smart: Click here to enroll them in the Money Smart Kids Workshop.
  • How To Know If You’re Ready to Start a Business

    Fitz
    13 Apr 2014 | 2:00 pm
    Many people dream of starting their own business, but unfortunately only a few are able to do so. The reasons vary – from having no business idea, to lack of startup capital; from having no time, to just being too scared of failure. In short, a lot of them delay becoming an entrepreneur because they […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: How To Know If You’re Ready to Start a BusinessHelp your kids become Money Smart: Click here to enroll them in the Money Smart Kids Workshop.
  • Money Smart Kids Workshop: Help Your Kids Learn How To Be Financially Smart

    Fitz
    9 Apr 2014 | 10:04 pm
    What do kids learn about money in school? In my case, I remember learning two things. First, that it’s good to save money. And second, that money is the root of all evil. If you think about it, these are conflicting lessons. Why would I save money, if my teacher says it’s the reason why […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: Money Smart Kids Workshop: Help Your Kids Learn How To Be Financially SmartHelp your kids become Money Smart: Click here to enroll them in the Money Smart Kids…
  • On Entrepreneurship and Divergent Thinking

    Fitz
    6 Apr 2014 | 7:32 pm
    What is divergent thinking? Why is divergent thinking important if you want to become an entrepreneur? Below is a brilliant 3-minute video of Tina Seelig, where she explains convergent and divergent thinking. Towards the end, she shares an Oxford University entrance exam question, that applies the principle of divergent thinking ingeniously. Just like the mathematical […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: On Entrepreneurship and Divergent ThinkingHelp your kids become Money Smart: Click here to…
  • 8 Ways To Find Profitable Business Ideas

    Fitz
    3 Apr 2014 | 11:39 am
    How do you come up with a good business idea? How do you know what type of business venture would be profitable today? In this post, we’ll take a quick look at 8 idea-generation techniques that I often use whenever I’m on a “business idea hunt“. I hope these eight strategies can help you discover […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: 8 Ways To Find Profitable Business IdeasHelp your kids become Money Smart: Click here to enroll them in the Money Smart Kids Workshop.
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    Cash Flow Planning for Life

  • 4 Tips for Business Year-End Tax Planning

    Mark
    16 Apr 2014 | 7:00 am
    When it comes to year-end tax planning it can be difficult to know exactly what you can deduct regarding business expenses. *Courtesy of Dave Dugdale This is the third installment of 16 Year-End Tax Tips for 2013 which can also be downloaded from our eBook library. Here are four tips to clarify business expenditures that you may overlook: Tip  #1: Capital Expenditures Speed up capital expenditures planned for the 1st quarter of 2014 and place them in service by the end of 2013. This allows you to take advantage of bonus depreciation and IRC section 179 expensing. 100% of new (not used)…
  • 6 Tips to Reduce Your Personal Income Taxes

    Mark
    26 Mar 2014 | 9:45 am
    When you are reviewing your personal income taxes, it’s important to know all the tax deductions you qualify for. This is the second installment of 16 Year-End Tax Tips for 2013 which can also be downloaded from our eBook library. Here are six tips to consider: Tip #1: Go Green! Installing certain energy saving devices in your personal residence may qualify you for a tax deduction. This may include devices such as solar energy systems, small wind turbines, geothermal heat pumps, and Energy Star appliances (if they qualify). You can deduct up to 10% of qualified expenses, up to a maximum…
  • 6 Tips to Recover the “Not-So-Common” Charitable Deductions

    Mark
    5 Mar 2014 | 10:30 am
    Do you like to give back to your community or help those in need? Although you can’t deduct the value of your time or the effort you spend on behalf of any charity, you can deduct donations and actual out-of-pocket expenses you incur. Tracking these expenses, like transportation, can generate a nice tax deduction. This is the first installment of 16 Year-End Tax Tips for 2013 which can also be downloaded from our eBook library. You do not need to be a board member to qualify for charitable deductions. Here are some deductions affiliated with charitable work that you may not be aware of:…
  • 16 Year-End Tax Tips That You Should Know

    Mark
    13 Feb 2014 | 11:45 am
    It’s that time of the year again. Time to work on your taxes. Have you reviewed your tax deductions? Getting the correct paperwork together and knowing what expenses can generate a tax deduction can take time. Trying to figure out what deductions you qualify for can be stressful. However… …taking the time to research the deductions can be worth it. Having a guideline to direct you can help. At Makara & Associates, we are offering a new eBook: 16 Year-End Tax Tips for 2013, which will guide you through sixteen tax tips you may want to consider. In the next few months, we’ll…
  • Financial Planning – “2013 and Beyond Tax Planning”

    Mark
    23 Jan 2014 | 1:00 am
    Tax planning and investment planning are important to your financial future. Staying on top of your financial plan and meeting with your tax and investment advisor more than once a year are beneficial steps to take now to… …save you tax dollars and increase your cash flow. My FREE eBook, “2013 and Beyond Tax Planning”, is geared to help you understand the spreading of income and expenses as a new method for both tax and investment financial planning. Here are the topics the eBook reviews: What’s Going to Expire? Investment & Tax Planning for Your Portfolio(s) Estate,…
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    JoeTaxpayer

  • 2015 Federal Budget – Increasing Standard Mileage Rates for Charitable Driving

    Joe
    17 Apr 2014 | 4:00 am
    There are times that you can deduct the cost of operating your car, and more specifically, write off the mileage you’ve driven for particular reasons. From the IRS site, above is a brief summary. You can see the disparity between what you can deduct for miles driven for business vs medical, moving, and charity. Strangely, the deduction for charity is not currently indexed to inflation, and requires a specific change authorized by congress. It’s been stuck at 14 cents per mile for a very long time.  The budget proposal would change the rate for charitable driving to the same rate…
  • 2015 Federal Budget – Simplify Required Minimum Distribution Rules

    Joe
    16 Apr 2014 | 4:00 am
    This proposed change to the tax code is a simplification, but at what cost? One bit of the proposal offers to eliminate RMDs on retirement account that are worth less than $100K. A good thing, I suppose, although those with a low IRA balance are also likely to be in such a low tax bracket that the withdrawal wont be a burden. The next part of this change is add RMD requirements to the Roth IRA. I have mixed feelings about this. One view is that retirement accounts are meant for just that, retirement. These accounts have morphed into estate planning tools, especially for those of modest means.
  • 2015 Federal Budget – Limiting the Size of Retirement Accounts

    Joe
    15 Apr 2014 | 4:00 am
    We continue our look at the proposed 2015 Government Budget, and today it’s one that is bound to impact people by surprise. The proposal itself may seem well intended, at face value, it puts a limit on what one can accumulate in their retirement accounts. In light of the Mitt Romney $400M IRA, such proposals have gotten public approval. To be clear, it’s not the spirit of the proposal that I object to, but the math behind its implementation. Let me first offer the limits and how they will be calculated. First, an annual benefit of $210,000 has been deemed enough. For a single…
  • 2015 Federal Budget – Closing the Carried Interest Loophole

    Joe
    14 Apr 2014 | 4:00 am
    This is a change for the better that reverses a bit of tax code that never made sense to me. There is a loophole that taxes what you or I would look at as income to partners of an investment firm, and tax it at a capital gain rate. As the budget proposal states “Although profits interests are structured as partnership interests, the income allocable to such interests is received in connection with the performance of services. A service provider’s share of the income of a partnership attributable to a carried interest should be taxed as ordinary income and subject to self-employment…
  • 2015 Federal Budget – Simplifying the Gift Tax Exclusion

    Joe
    13 Apr 2014 | 4:00 am
    I’ve been sifting through the proposed 2015 Government Budget and will complete the series in a seven day marathon, an article each day for the next seven days. The tax code is so complex that each bit ranges from applying to most of us, to code so specific, it might hit the top fraction of a percent. So please bare with me if the proposed code changes I’m highlighting have no interest for you. You may know, the gift tax exclusion permits an individual to gift up to $14,000 each year to another person with no tax consequence. Even if you are not wealthy, when you reach an age that…
 
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    Simplified Saving

  • My Goals for the Week {4/14/2014}

    Lisa Thompson
    14 Apr 2014 | 8:46 am
    I’ve literally been in survival mode for the last month, but I need to get my life back on track!  With that in mind, my goals are a little bit different than usual, but hopefully this will get me moving in the right direction. Family/Homemaking Goals 1. Read 6 chapters of The Boxcar Children to the twins. 2. Make bed and do 1 full load of laundry every day. 3. Go through 10 bins in the garage. This should hopefully help me get the 11 bags I still need for the 40 Bags in 40 Days challenge. Personal Goals 4. Exercise 5 times. 5. Drink 3 liters of water per day. 6. Be in bed by 10:00…
  • 5 Tips for When You Feel Overwhelmed

    Lisa Thompson
    14 Apr 2014 | 7:10 am
    The past 6 months have been seriously hard.  The past 8 weeks have been the hardest of my life.  During this time I’ve felt extremely overwhelmed.  Without going into details, here’s a brief overview of the last 6 months. 10/1 – Adoption of the twins finalized 10/8 – We decide to homeschool our son since he is extremely behind academically and is exhibiting behavior problems at school (Hubby and I both work full time, but we work from home so we juggle our schedules to make this work). November – Basketball season begins and we have lots of late nights with…
  • Mabel’s Labels: Save $2 on the Limited Edition Camp Combo

    Lisa Thompson
    9 Apr 2014 | 1:28 pm
    As a mom of 4, my life tends to be busy year round.  But summer is busiest of all!  The kids are out of school, we have various camps, our daughter K plays travel basketball and then throw in a family reunion and some other vacation and life is officially insane.  With camp season just around the corner, you’re probably already scrambling to sign your kids up (or trying to find 10 extra jobs to pay for all the crazy camp fees) and soon you’ll be sorting through the piles of sunscreen, swimsuits and sneakers. If you want to help your kids be a little more organized and if you…
  • Crazy 8 Sale

    Lisa Thompson
    9 Apr 2014 | 1:16 pm
    This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.  Warmer weather is quickly approaching, but not as quickly as your kids grew out of last year’s clothes! I’ve been going through the twins spring and summer clothes and I can’t believe how much they’ve grown! It’s time to start stocking up on this season’s styles for spring. Luckily, Crazy 8 is offering 20% off markdowns so your kids can get everything they need (and some they don’t!) without cleaning out your wallet. That’s up to…
  • Kiwi Crate: Creativity Kits for Kids

    Lisa Thompson
    9 Apr 2014 | 12:39 pm
    I love being crafty and it’s one of my favorite activities to do with the kids!  Even though my craft room is in our boring basement with concrete floors and cinder block walls, it’s still one of our favorite places to be in the house! While I love crafting, sometimes after a long day of work, figuring out what to make with the kids can be overwhelming! Thankfully there is Kiwi Crate! Kiwi Crate is an award-winning, monthly subscription service that provides all the hands-on materials to inspire creative, educational fun. With themes like Music, Color, Robots, and Safari, these…
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    Personal Dividends Money+Lifestyle

  • Are You Teaching Your Child About Money?

    Miranda Marquit
    17 Apr 2014 | 5:00 am
    One of the most important things you can do for your child is to teach him or her about money. A good financial foundation now can lead to better success with money later. Recently, Citi publicized the results of a survey of U.S. adults and the way they teach their kids about money. The results are interesting, and offer insight into how parents are preparing their children for the future. Parent-Child Financial Education Activities According to the survey, close to 90 percent of parents are already teaching their kids about money. This is encouraging, although about 70 percent of the…
  • Get Ready to Enjoy the Coming Lunar Eclipses

    Miranda Marquit
    14 Apr 2014 | 5:00 am
    When I was younger, my dream was to be an astronomer or an astrophysicist. This dream followed after the reality set in that my chances of becoming an astronaut were relatively slim. Even now, I still love looking at the sky. I have been known to lay outside on the grass for hours, watching the night sky change. I’ll even sit outside in freezing temperatures to watch for meteors or just enjoy the stillness that comes with a diamond-laden sky. What’s cool right now is that we are coming up on what is known as a lunar eclipse tetrad. For the next two years, there will be a lunar…
  • Are You Keeping Up With the Joneses – Or With Their Debt?

    Miranda Marquit
    10 Apr 2014 | 5:00 am
    The latest information from the Federal Reserve indicates that credit card debt is on the rise again. In the years directly following the financial crisis, many consumers reduced their debt load. Household debt – including credit card debt – fell. However, that is not the case anymore. As the economy slowly recovers, it is clear that many consumers feel more comfortable with spending again. And that spending is often done with debt. Now that people feel a little safer about the situation, they are more willing to take on debt. The latest report on household debt from the Federal Reserve…
  • How to Reduce the Impact of Jet Lag

    Miranda Marquit
    8 Apr 2014 | 5:00 am
    When you travel across time zones, jet lag can be a very real concern. However, it doesn’t always have to cause you serious problems. If you are interested in reducing the impact of jet lag, here are some strategies that can help: Drink Plenty of Water One of the best things you can do for your body in almost any circumstance is to drink plenty of water. This applies when you fly as well as in almost any other circumstance. Staying hydrated can help you cope with most situations, and help you get over jet lag a little easier. You can’t bring a full water bottle through security, but it is…
  • Tips for Getting Work Done While You Travel

    Miranda Marquit
    3 Apr 2014 | 5:00 am
    A few times a year, I pack up and head off for new adventures. Okay, at this stage, the new adventures usually involve a trip with my son over spring break, and a trip to wherever FinCon is being held, with a sprinkling of camping weekends throughout the summer. Even though I’d like to think that I’m going to have a work-free/stress-free vacation, the reality is that I’ve almost always got something to do while I’m away. Whether it’s answering emails or working on just one more post, there’s work to be done. So, how do you fulfill your responsibilities…
 
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    Much more than debt, IVA and personal finance from ClearDebt.

  • Channel 5′s spiral into debt hell

    Andrew_F_Smith
    25 Mar 2014 | 8:13 am
    Channel 5′s spiral into debt hell is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Channel 5's My Spiral Into Debt Hell was a fair explanation of four debtors, but at the heart of the programme lies a big wrongness.
  • Candice White’s #DebtHell ends with ClearDebt

    Jo Gordon
    21 Mar 2014 | 9:35 am
    Candice White’s #DebtHell ends with ClearDebt is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Channel 5's new series My Spiral Into Debt Hell highlights debt issues in the UK and features ClearDebt client.
  • Free debt advice good. Paid for debt solutions better? You decide.

    Andrew_F_Smith
    3 Mar 2014 | 2:54 am
    Free debt advice good. Paid for debt solutions better? You decide. is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Free debt advice good. Paid for debt solutions better? You decide. is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. A recent article by Sky News’s Consumer Affairs Correspondent has an ill-informed dig at fee-charging debt management solutions. I came across this article on Yahoo by Poppy […]
  • Coping With A Student Budget

    Chloe Smith
    18 Feb 2014 | 1:54 am
    Coping With A Student Budget is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Coping With A Student Budget is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Previously, I wrote about why the certainty of student debt is a huge concern and limitation for a 17 year old A level student when deciding if university is the right choice. Before […]
  • IVAs confirmed as Britain’s most popular personal debt procedure

    Andrew_F_Smith
    7 Feb 2014 | 7:13 am
    IVAs confirmed as Britain’s most popular personal debt procedure is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Figures by The Insolvency Service show that Individual Voluntary Arrangements (IVAs) are now Britain's most popular personal debt procedure.
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    Yes, I Am Cheap

  • How I Went From Being Broke to Being Cheap

    Guest Blogger
    16 Apr 2014 | 7:48 am
    My financial life: Oh boy has it changed Good morning Yes, I am Cheap friends.  My name is Kristina and I’m the daily blogger over at Dinks Finance.  Today Sandy has graciously invited me over here to share the story of how I went from being broke to being cheap.  I turned my financial life around in three years and this is how I did it. My out of control spending ended in $50k of debt From my mid to late twenties I was living the high life, or at least I thought I was.  I had a wallet full of credit cards and I spent money whenever I wanted something.  I would spare no expense and…
  • Help A Reader: I’ve Got Serious Student Loans

    Sandy Smith
    20 Mar 2014 | 6:00 am
    I’ve been stuck, seriously stuck with the worst case of writer’s block.  I could not get one word on a page…that is until I received an e-mail from Terri.  Here goes! Hi there! Your story is inspiring and I could use some practical, objective advice. I will give you the outline version of my situation. - Graduated from college with $90k in student loan debt *anxiety strikes just from typing that number* - That is for both undergrad and grad school - Employed full-time but only making $19/hr - No credit card debt (thankfully) - Car is paid off. Nothing too fancy, a…
  • Video: Stop Giving Uncle Sam A Free Loan

    Sandy Smith
    12 Mar 2014 | 9:05 am
    With Tax Day only a month away if you haven’t already filed your taxes, you’re probably thinking about it. According to the IRS, of the 48 million tax refunds processed through the end of February, the average tax refund was $3034. That’s a pretty healthy amount of money! Finance experts argue that with such a large return, you are doing yourself a disservice throughout the year by reducing your take home pay and giving Uncle Sam an interest free loan all year long. I’m of the opposite mindset since I’d much rather get a tax return than learn that I owe the…
  • Grow Your Own Dough Challenge 2 Months In

    Sandy Smith
    3 Mar 2014 | 11:58 am
    Way back at the beginning of the year I hopped into a friendly little wager among personal finance people to see who would have the highest value portfolio at the end of the year.  Now that we’re passed two months, it’s time to see how my investments are doing. First, let’s recap a little.  Unlike most of the challenge participants, I am not relying on stock for the bulk of my wealth building in this challenge.  I split my $1,000 initial investment into peer-to-peer lending (25%), stock investing (25%) and my own little side business (50%). I’m going to go in order…
  • How I Doubled My Net Worth In Five Years On A Crappy Salary

    Sandy Smith
    14 Feb 2014 | 8:22 am
    With all of the things that I share on this site my net worth has never been one of them.  It’s not like I’m an incredibly private person, but I always felt as if I should hold at least ONE thing close to the chest.  That’s about to go right out the window. Blogging buddy J. Money asked bloggers if we were willing to share our net worth and I guess I felt challenged enough to (1) calculate that number and then (2) share that with the world (okay, the three of you who read this site). You already know about my debt.   This blog was established with the sole purpose of…
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    Money Reasons

  • Puddles Pity Party “Royals – by Lorde” Cover Review

    Money Reasons
    21 Mar 2014 | 10:08 am
    As a fan of Lorde’s Royals, I heard about a cover that was as good as Lorde’s original, but with a different flavor.  Intrigued, I had to go and check it out and much to my surprise I wasn’t disappointed!  While the singing is great, what really makes this a great cover is the facial expressions by the singer!As someone who doesn’t really like clowns, this time it’s different!  This might be one of the coolest clown singers ever.  He also has a site called puddlespityparty.com.  I’m actually thinking about getting a shirt from the store page! I…
  • Why It’s Wrong When Billionaires Try To Destroy Companies

    Money Reasons
    11 Mar 2014 | 8:37 am
    I stumbled across this article Today on the NYtimes: “Staking $1 Billion That Herbalife Will Fail, Then Lobbying to Bring It Down” and it made me sick to my stomach.It’s not that I’m a big fan of Herbalife, but the fact that Bill Ackman is shorting the company with a huge position first, and now trying to get it destroyed seems unethical to me.  Herbalife pretty much follows a similar model of business that Avon follows, the reps buy the goods then peddle the goods.  I wonder if Bill will go after EBay sellers too?  They buy goods in bulk and sell them individually…
  • Why You Should Not Own Bitcoins And I Never Will

    Money Reasons
    7 Mar 2014 | 6:42 pm
    Okay, there exists plenty of lot of reasons not to buy into Bitcoin, but I’m going to start with the ones that bother me the most.  So let have at it:Nobody know who created it!  This is huge and means that the creator could have an unmeasurable amount of Bitcoins in his/their possession already.  Shoot for all we know, the creator could be some of these large Bitcoin exchanges that are losing the money by “hackers”…  What if in reality they (the Bitcoin exchange) was taking the bitcoins?  That reaching, but possible.  More likely the creator has a massive stash…
  • Why Does The Media Still Print Stuff About Madoff?

    Money Reasons
    20 Feb 2014 | 4:10 pm
    The man committed a Ponzi scheme of unbelievable proportions…So again I have to ask why does the media still print what Bernie Madoff says, knowing that he committed one of the largest frauds in history?  Basically hiding the truth for years, as he robbed many a life savings from investors all along…To me, I would think that the media would realize that Madoff committed a huge crime that alone would demand that anything the man says is not to be trusted and definitely not publicized!  Me, as just a normal Joe, even I would think that the man is just trying to get attention…
  • Are Computerized AI Agent Telemarketing and VRS Systems on the Rise

    Money Reasons
    5 Feb 2014 | 12:22 pm
    So what do you think?  Are Computerized A.I. Telemarketing and VRS systems on the rise?We all know what Telemarketing is, but what is VRS?  VRS stand for Voice Response Systems, and basically is the automated response and menu system you get when you call your bank or other large companies.  It’s the front line of such systems.  While VRS systems are not horrible, most of us like to talk to a real human being.Have you noticed lately that you’ve been receiving telemarketing calls for surveys and the like where the agent sounds human, but after the call ends you realized that…
 
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    Financial Woman

  • Learn How To Invest; Create Financial Freedom

    Camille Gaines
    17 Apr 2014 | 11:31 am
    How to Invest – Part One on the Journey to Wealth… After my longtime girlfriend from college emailed me again to ask how to invest her teacher retirement fund, I decided once and for all to start sharing more information about traditional investing here at Financial Woman. Telling someone where to invest money is a huge responsibility, and it’s not one that I want right now. What I do is share what I’ve learned from over 30 years of investing so that you can make better, more confident choices about investing, have peace and confidence about your money, and live rich.
  • Do You Know About This Smart Investing Tool?

    Camille Gaines
    8 Apr 2014 | 8:41 am
      Do you have that nagging feeling signaling you need to know more about how to invest if you’re going to reach your life and financial goals? You may have read about how to invest with index funds here at Financial Woman. Investors can easily invest in stock and bond indexes with either mutual funds or etf’s (exchange traded funds). (Remember, smart investors always check the price tag before buying anything, and understand the markets or work with a financial advisor.) Both index funds and etf’s have advantages and disadvantages for investors. Investor’s…
  • Women and Investing: Are You Checking the Price Tag before Buying?

    Camille Gaines
    21 Mar 2014 | 8:14 am
    Women and Investing….and Smart Shopping Did you know that the stock market fell a whopping 58% from the end of 2007 to March 2009? Since that 2009 bottom, the stock market (index for large company stocks) has risen 179%. (1) Last week a money coaching client told me that she had some money she wanted to put into the stock market so she could diversify her investments. She currently has a lot of real estate, and owns her own small business. Here’s the thing: Diversification makes a lot of sense; but when buying anything, whether it’s a house or a stock fund, check the…
  • Net Worth, Women and Homes

    Camille Gaines
    18 Mar 2014 | 8:29 am
    Net Worth, Women and Homes… It’s so great to see that real estate and financial professionals are addressing the female market after decades of being under served! The first sentence in the article below states that Trulia launched a marketing campaign aimed at women. I would dare to guess that women have a lot of input into purchasing a home….it’s our nest in the world! As a real estate investor and home owner, I love both of these sites for research. They’re a great resource to estimate the market value of your home, an important factor in net worth for most…
  • Millionaire Financial Planning Tips

    Camille Gaines
    17 Mar 2014 | 1:44 pm
    This article from Investor’s Business Daily has some good financial planning tips geared toward millionaires. The one thing I would add is that tax smart additional income streams can be created by individuals who don’t yet have enough funds for life, such as a part time consulting business based on skills and expertise. Creating new income streams is more important than ever, especially since a $1,000,000 retirement account will not sustain the income needed for the lifestyle desired by most millionaires after taxes and inflation are factored in. Additionally, consider longer…
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    Control Your Cash: Making Money Make Sense

  • The Best Alternatives to a 401(k)

    admin
    9 Apr 2014 | 4:07 am
    The well of creativity is barely a trickle at this point. Our muse went to St. Tropez with someone younger and better-looking, and that was months ago. Is she ever coming back? We’ll leave a light on. Spend more time at the gym. Buy more flattering clothes. Vacuum the house once in a while. Damn, it would have been so easy to keep her. Cinderella were right, you don’t know what you got (till it’s gone).So here’s the latest in what’s become a weekly series, our recycled Investopedia pieces. We still write for them, by the way. In fact, here’s our latest,…
  • Carnival of Wealth, Back from the Dead Edition

    admin
    8 Apr 2014 | 4:53 am
    You can’t kill a dead man, but apparently a part-timer can break his streak If you missed last week’s Carnival of Wealth…well, you weren’t the only one.First, the excuse: we use a couple of hosting services to organize the carnival submissions for us. One of those services has been down for a while now, the other one takes submissions and watches them disappear into the ether. So we should have been suspicious when Sunday night came around and we’d received posts from a grand total of 2 sites, one of them with only a tenuous connection to personal finance.
  • An Investopedia Repost About Lockouts and Such

    admin
    2 Apr 2014 | 4:42 am
    From our Investopedia files, a piece about sports labor strife. Which doesn’t pertain to your life unless you’re an athlete, an agent, or maybe a team owner, but it’s an entertaining read. Trust us, we wrote it. Here’s an enticing sample:By 2011, pro football had metamorphosed from popular sport into national obsession. That spring, the NFL’s collective bargaining agreement had expired. The owners attempted to implement some draconian new measures, including an extended season (two additional chances to suffer a career-ending injury!) and a tight salary cap for…
  • Carnival of Wealth, Andrew Pohl Edition

    admin
    31 Mar 2014 | 4:56 am
    Andrew and his best friend, Gord That’s the problem with being selective. You accept only the good submissions, or the stupendously awful ones, and pretty soon the number of submitters dwindles to a trickle. Presenting another edition of the Carnival of Wealth, the only personal finance blog carnival worth a damn. Even with only 2 submitters. One of whom is one of the aforementioned awful contingent, the other of whom is a rookie. When you’re the only legitimate submitter, unbowed by threats of search engine optimization punishment, the least we can do is name a weekly…
  • March’s (F)RotM. You’re in Trent Hamm’s House.

    admin
    28 Mar 2014 | 4:23 am
    “Qwirkle.” “Belfort.” “Ingenious.” These aren’t even real words! The biggest problem with Trent Hamm of The Simple Dollar – aside from his repetition, impractical advice, stubbornness in the face of evidence that proves him wrong, unhealthy love of adverbs, repetition, comical overuse of the word “wonderful,” and repetition – is that there’s just too much to make fun of. We can read him only in spurts, then have to take a few weeks or months off or we’ll find ourselves making our own deodorant or recording…
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    Self Directed IRA Store

  • 401k Plans Now Offer Self Direction

    SelfDirectedIRAStore.com
    23 Mar 2014 | 12:33 am
    Employees of companies large and small are demanding alternatives to the constantly deteriorating choices of funds available to them via their traditional 401k plans, so many employers are now adding a self-directed 401k option.  This is great news for more experienced investors, but account holders must be careful that their plan is truly self directed and that account fees are reasonable and disclosed up front. A self-directed 401k offers the same benefits of pre-tax savings and automated payroll deductions that employees find with a traditional 401k plans. The difference is in the…
  • What are the Best Self Directed Roth IRA Investments?

    SelfDirectedIRAStore.com
    27 Dec 2013 | 11:01 pm
    Self Directed Roth IRA’s are exploding in popularity and it’s no secret why: a tax-free withdrawal at retirement is quite appealing, especially to the younger investor who has several decades to invest before retirement. A lesser-known benefit of a Self Directed Roth IRA, however, is that you have freedom of choice in your investments, including stocks, real estate, mortgage notes, shares of private investment funds, exchange-traded funds (ETFs), bonds, CDs, treasuries, precious metals and more. Below we will offer some guidance on how to choose from a wide range of investment…
  • New Tax Court Case Confirms Validity of “Checkbook Control” Self Directed IRA LLC Structure

    SelfDirectedIRAStore.com
    19 Nov 2013 | 10:48 am
    TC Memo 2013-245 confirms legality of using self directed IRA LLC to make investments without triggering an IRS prohibited transaction The Tax Court in T.L. Ellis, TC Memo. 2013-245, Dec. 59,674(M) recently held that establishing a special purpose limited liability company (“LLC”) to make an investment did not trigger a prohibited transaction as a newly established LLC cannot be deemed a disqualified person pursuant to Internal Revenue Code Section 4975. According to Adam Bergman, a tax attorney with the IRA Financial Group, the impact of the impact of this ruling is enormous because it…
  • Peer-to-Peer Lender Reports $50 Million in Loan Originations

    SelfDirectedIRAStore.com
    31 Oct 2013 | 9:00 pm
    Leading Peer-to-Peer Lender Continues Momentum with 8th Consecutive Month of Record Growth and $690 Million in Loans to Date SAN FRANCISCO, October 31, 2013- Prosper, a leading peer-to-peer lending company, today announced its largest month ever, closing October with over $50 million in loan originations, a 50% increase over September and a 500% increase from January. This is the 8th consecutive month of growth for Prosper, which has originated $690 million in loans to date as peer-to-peer lending continues to gain significant momentum as an easy, low-cost alternative to traditional lenders.
 
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    Credit Card Blog | UniBul

  • How Blogging Is Making Us Money

    UniBul
    14 Apr 2014 | 3:00 am
    Much as I enjoy blogging (and it is huge fun!), I do it for one reason and one reason only: growing our company's client base and, by extension, our revenue. Read more on the same topic: On Debt, Credit Scores, the North-South Divide and Making Payments on Time If you want to keep your credit score high, you can either use common sense or move to Boston; if you want to kill it and do it immediately, just move to Texas.... The Evolution of Money: From Shells to Bitcoin Learn what our forebears used for currency to help them transact with one another when they were not too busy bashing each…
  • Americans Like Payday Loans, Even If Their Government Doesn’t… And You Will Not Believe Why.

    UniBul
    10 Apr 2014 | 3:00 am
    Not being part of the mainstream financial system is much more a matter of personal choice and lack of financial education than it is the result of being shut out of it. Read more on the same topic: Being Unbanked Is a Choice, but the Alternatives Are Getting Better Staying out of the traditional financial system is much more a matter of choice and lack of financial education, than it is about being shut out of it.... Payday Loans Get a Facelift, or Do They? While it's better not to get to the point of needing a payday loan to pay your phone bill, BillFloat is a better option than many of the…
  • Economists Keep Telling Them This Cannot Go On. Yet Americans Keep Slashing Credit Card Debt. Wow.

    UniBul
    9 Apr 2014 | 3:00 am
    More than 5.5 years after the collapse of Lehman Brothers crippled the financial infrastructure of the Western World, the aftershocks of the catastrophe are still being felt. Still, just how is it possible that our collective credit card debt is much, much lower than its level at the eve of the meltdown and has remained […] Read more on the same topic: Americans Pay down Credit Card Debt, Student Debt Keeps Rising Americans paid down some credit card debt in March, but kept taking out more student and auto loans, the latest Federal Reserve data show.... Americans Take on More Auto and…
  • People Have Really Had It With Debt Collectors. Yet Life Would Be Worse Without Them. Yes, Really.

    UniBul
    8 Apr 2014 | 3:00 am
    Despite the bad rap they get, debt collectors bring efficiency to the debt recovery process, which is why lenders rely so heavily on them. Read more on the same topic: The CFPB, Debt Collection and Consumer Complaints Revisited Debt collection is a perfectly well regulated and monitored area as it is and the CFPB is wasting governmental resources and money in dealing with it.... What Do People Really Think about Mobile Payments? Consumers in Asia-Pacific and the U.S. were found to be most optimistic about mobile payments, whereas the most skeptical ones live in Europe and Canada.... On CFPB,…
  • What Americans Are Doing with Their Credit Cards Is Simply Extraordinary. Chart #2 Says It All.

    UniBul
    7 Apr 2014 | 3:00 am
    Americans see credit cards today more as a plastic form of cash than we see them as a source of credit to be tapped now and repaid sometime in the future, if and when we can get around to it. Read more on the same topic: Americans still Sparing with Their Credit Cards The economy is growing and unemployment is down, but Americans were once again conservative with their credit cards in November.... Credit Cards Keep Getting Cheaper The cost of using credit cards is falling and Americans are using them more freely than they've done in years, yet there isn't a correlation between these two…
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    Smart Balance Transfers

  • Chase Annual Exclusives Bonus

    Jason Steele
    16 Apr 2014 | 4:00 am
    The is one of the most popular reward cards offered. It features 1% cash back on all purchases, or 5% bonus cash back on up to $1,500 spent each quarter at qualifying merchants. But what few people know is that Chase also offers a 10% annual Exclusives bonus when cardholders have both a card a […]
  • Rewards Pro – Start Booking The 2014 Holidays This Spring

    Jason Steele
    14 Apr 2014 | 4:00 am
    Amongst my family and friends, I am known as the guy that can help you travel for free. Yet every year, people try to get me to help them book a last minute trip over the holidays. Often, there is not much that I can do. How to book an award trip There are three […]
  • Advantages Of The Citi Platinum Select/ AAdvantage Card

    Jason Steele
    11 Apr 2014 | 4:00 am
    The world of frequent flier miles has been turned upside down in the last few year. First, airlines went on a merger spree, and there are far fewer remaining. The surviving carriers then decided to devalue their mileage programs by offering fewer miles for flights and/or requiring more mile for award seats. Throughout this time, […]
  • Why Citi Simplicity Is Best For Those Who Struggle With Credit Cards

    Jason Steele
    9 Apr 2014 | 4:00 am
    Credit card users often have a mixed relationship with their cards. They love the convenience and security, but they hate the high interest rates and punitive terms. Citi has created their in order to give these kind of credit card users a break. How Simplicity Works New cardholders start off with a break from interest […]
  • Is The Chase Freedom The Best In Class?

    Jason Steele
    7 Apr 2014 | 4:00 am
    The , the , and the are all similar cards. Each offers 1% cash back on all purchases, or 5% bonus cash back for purchases from select categories of merchants that change each quarter. So when choosing one of these cards, it helps to consider the benefits of one card over the others. Why the […]
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    Credit.com

  • Who Is Fair Isaac?

    Christine DiGangi
    16 Apr 2014 | 9:01 pm
    FICO is one of the best known names in the credit industry — it’s practically synonymous with credit scoring, despite the existence of hundreds of other scoring models. The first general-purpose credit score (Beacon at Equifax) came from FICO in 1989, effectively transforming the consumer lending landscape to heavily incorporate predictive analytics. Anyone who has applied for a loan or credit card is probably aware of how important this is. Your credit score could be the difference between approval and denial or low or high interest rates on a loan. When consumers hear the full name…
  • Rep. Cathy McMorris Rodgers: Equal Pay Is Just the Start

    Cathy McMorris Rodgers
    16 Apr 2014 | 9:01 pm
    If there’s one thing Washington is exceptionally good at, it’s politicizing the personal. In the past few weeks, the ongoing debate over “equal pay for equal work” has typified this type of unfair politicization – this time with women – and instead of working together on solutions to empower American women, it has only perpetuated false accusations. The President and his Democratic colleagues continue to perpetuate the myth that Republicans do not support equal pay for equal work. This could not be further from the truth. As a woman myself – one who worked at the McDonald’s…
  • What Credit Cards Should I Avoid?

    Jason Steele
    16 Apr 2014 | 9:01 pm
    Between television commercials, and advertisements on the Internet and in your mailbox, there is no shortage of information about credit cards. But when it comes to determining which one you should get, a pretty good place to start, when sorting through the hundreds of cards on the market, is to eliminate those you should avoid. With so many different credit cards available, there are right and wrong cards for each different kind of credit card user. So first figure out what type of credit card customer you are, and then be sure to avoid these cards. If You Carry a Balance Between one-half…
  • Sen. Elizabeth Warren: Why Equal Pay Is Worth Fighting For

    Elizabeth Warren
    16 Apr 2014 | 9:01 pm
    I honestly can’t believe that we’re still arguing over equal pay in 2014. When I started teaching elementary school after college, the public school district didn’t hide the fact that it had two pay scales: one for men and one for women. Women have made incredible strides since then. But 40 years later, we’re still debating equal pay for equal work. Women today still earn only 77 cents for every dollar a man earns, and they’re taking a hit in nearly every occupation. Bloomberg analyzed Census data and found that median earnings for women were lower than those for men in 264 of…
  • Student Debit Card Provider Facing Investigation Over Hidden Fees

    Christine DiGangi
    16 Apr 2014 | 9:01 pm
    The Federal Reserve Bank of Chicago is investigating Higher One, the leading issuer of campus debit cards, and one of its former bank partners for potentially engaging in unfair or deceptive practices. The debit cards allow students to access their financial aid refunds directly through the card, as opposed to waiting for a check from their financial aid offices, then depositing the checks into their bank accounts. Higher One mentioned the investigation in its annual report to the Securities and Exchange Commission and referred to a bank partner regulated by the Chicago Fed. Issues with…
 
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    Centsible Life

  • 9 Frugal & Fun Weekend Activities, #1 is my favorite!

    Kelly Whalen
    17 Apr 2014 | 4:00 am
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  • 5 Frugal Easter Ideas and a Great Giveaway #AllThingsEaster

    Kelly Whalen
    14 Apr 2014 | 9:03 pm
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  • Best Colleges 2014 Review and Discount {sponsored}

    Kelly Whalen
    12 Apr 2014 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • #MagicatPlay with Kohl’s and Disney {Giveaway}

    Kelly Whalen
    11 Apr 2014 | 6:58 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.
  • Save on Childcare for Date Nights and Ideas on Special Dates at Home

    Kelly Whalen
    10 Apr 2014 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
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    The Daily Reckoning

  • The Real Reason the US Media Hates Vladimir Putin

    Marc Faber
    17 Apr 2014 | 1:52 pm
    With few exceptions, the Western media and most strategists have been very unfair in their comments about Vladimir Putin and his response to the Ukrainian demonstrations. According to Stephen F. Cohen, professor emeritus of Russian studies and politics at New York University and Princeton (he is also the author of Soviet Fates and Lost Alternatives: From Stalinism to the New Cold War), there has been a “tsunami of shamefully unprofessional and politically inflammatory articles in leading newspapers and magazines” which portray Putin in a very negative light and fail to take into account…
  • How a Toy Robot Upended the Aerospace Industry

    Kate Incontrera
    17 Apr 2014 | 12:31 pm
    One Friday, in the Wired offices, these two boxes arrive. We would always get products for review and these two boxes … one was the brand new Lego Mindstorms NXT kit 2006, and the other one was a radio-controlled model airplane. I thought, “Best weekend ever, right? I’ll take these, hands off, I’ll take these, and I’ll review these.” I thought, Saturday, we’re going to build a robot, Lego robot with my kids, kids love Lego. I thought, “Robots would be cool” and Sunday we’d fly a plane. You can’t go wrong there. So on Saturday, we dutifully got the kids there, they were…
  • Bono Hosts “Coin-Aid” to Help Victims of Mt. Gox Bankruptcy

    Greg Kadajski
    17 Apr 2014 | 11:27 am
    IOWA, USA — U2 frontman and self-proclaimed demigod Bono held a benefit concert in an Iowa cornfield on Tuesday, in an attempt to help those poor investors who were devastated by last month’s Mt. Gox bankruptcy. The concert, which only lasted a half an hour, included one-song sets from a variety of bankrupt musicians, including MC Hammer, Toni Braxton and Meatloaf. Ever the optimist, Bono took the stage first, opening the show with a positive and uplifting message. “This concert is for anyone who’s ever believed in something,” he said. “Something they probably knew they…
  • The Only Solution for the Obamacare Problem

    Loren Heal
    17 Apr 2014 | 9:20 am
    Fewer and fewer doctors in the U.S. are self-employed, and more are employed by hospitals. That is a direct result of government policy, sharply accelerated by Obamacare. The trend will be damaging to American healthcare. It is still possible to reverse the decline, but powerful forces want it to continue. Doctors effectively can’t own new hospitals any more. That’s because the Big Hospital lobby convinced the leftists who designed Obamacare that physicians owning hospitals was a conflict of interest. That’s right: according to that theory, the people who have devoted their…
  • Huge Gains From Smart Money With No Sex Appeal

    Greg Guenthner
    17 Apr 2014 | 8:15 am
    Momentum is sputtering… Volatility is creeping back into the picture… Don’t cry about it. And you definitely shouldn’t try to catch the falling knives. There are still plenty of hopeful investors who believe cash will flow back into the popular momentum plays, sending them back to new highs. And hey, they might be right. But if we look at where the “smart money” is headed, we see a totally different story. Hedge funds that have driven much of the market’s momentum have all but given up on the high-risk names that were popular as recently as a couple…
 
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    Canadian Finance Blog

  • Tax Deadline Is May 5th, Have You Filed Your Taxes Yet?

    Tom Drake
    16 Apr 2014 | 2:00 am
    Notice: The tax deadline has been extended to May 5, 2014 for filing 2013 taxes. The delay is due to the Heartbleed vulnerability found with the CRA web site. The fix has been made, and it’s safe to use the CRA site. However, the CRA disabled some of its functions while making the fix in order to protect taxpayer information. Now that everything is up and running again, the CRA is accepting EFILE and NETFILE again, and you have a little extra time to get your documents in. Tax season is in full swing, and you might be one of those looking to get your information turned in. The deadline…
  • Four Ways to Deal with a Home That Won’t Sell

    Tom Drake
    14 Apr 2014 | 2:00 am
    The rate of foreclosures down in the US is certainly bad news but some economists believe that before the housing market can rebound, the balance of the toxic mortgages have to be flushed out of the system. Here in Canada where the real estate market hasn’t been quite as bad, you may not be close to foreclosure but you may be one of the homeowners who still have an underwater mortgage. If you have a home that won’t sell or is underwater, you may be looking for options and sometimes, the options aren’t in your favour. I’ve put together a list of the best of the worst options when…
  • Is Your Investing Too Emotional?

    Tom Drake
    7 Apr 2014 | 2:00 am
    One of the problems that many Canadians have with investing is that they become too emotional. A survey by the Bank of Montreal found that two-thirds of Canadians have a hard time keeping their emotions in check when they invest. While it’s impossible to get rid of emotion altogether when any type of money decision is involved, it is important to do what you can not to let your emotions overrule you when you make investing decisions. It’s especially important not to let fear rule you when you make your investment decisions. Fear and Investing Fear is one of the strongest emotions…
  • How Developing Your Interpersonal Skills Can Earn You More Money

    Tom Drake
    31 Mar 2014 | 2:00 am
    Do you want to earn more money over time? You might be surprised to discover that one of the best ways to improve your earning power is to develop your interpersonal skills. Increasingly, your ability to interact with other people is something that pays. Here are some of the ways that interpersonal skills can pay off over time. Negotiation One of the great interpersonal skills in life is negotiation. If you want a higher salary as you start a new job, or if you want a raise or promotion, you need to know how to negotiation. It’s important to be persuasive, and to articulate your…
  • UFile 2013 Tax Software Review

    Tom Drake
    27 Mar 2014 | 2:00 am
    As much as I have recommend TurboTax for preparing taxes, I think it’s important to know about other options that might serve you better. There is another well known program that has been gaining momentum. UFile is a serious contender in the Canadian tax preparation market, and it’s one that I recommend as the #1 tax prep software. I like that it automatically gets you the tax credits you should have coming to you, without the need to fill out a lot of extra forms or answer a lot of questions. UFile is updated regularly so that it includes the most up to date information from…
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    The Dividend Guy Blog

  • The World of Utilities

    DivGuy
    16 Apr 2014 | 8:39 am
        Bonds are not paying enough interest and you’re looking for « safer » dividend stocks to compensate? Utilities stocks may be the solution for your portfolio. But, don’t think that all utilities are safe investments. They are still companies and can still leave you with a sour taste in your mouth. This is why we will look into the world of utilities. First; Why Invest in Utilities?   The utility sector is particularly interesting in the US for dividend investors. This is the realm of steady and high dividend yields. In this sector, it’s not hard to find a 4%…
  • The Top 20 Most Powerful Dividend Stocks to Buy Now

    DivGuy
    14 Apr 2014 | 5:45 pm
        Last week, I gave as much detail as possible on my dividend growth model The goal of this model is to build a ranking where all companies would be evaluated based upon several criteria. This leads to The Rock Solid Ranking available exclusively at Dividend Stocks Rock. But I also wanted to share a bit of this ranking with the top 20 most powerful dividend stocks to buy now for your portfolio.   Since the ranking is based on fundamentals but also on the current stock value, the top 20 is definitely showing the most powerful dividend payers that are traded at an attractive…
  • Dividend Reads for the Weekend

    DivGuy
    11 Apr 2014 | 5:39 am
        This week, I’ve wrote about how we calculate The Rock Solid Ranking. It was a teaser for next Monday’s post where I will publish the top 20 of our ranking.   Good Read for the Weekend:   I’ve shared my #1 investing advice in a compilation of 22 Dividend Bloggers sharing their investing advice @ Dividend Growth Stock Investing   Dividend Growth Investor explains how to manage new cash from dividend payouts   Using Dividend Stocks as an Emergency Fund? @ Dividend Mantra   Dividend Income update @ My Own Advisor   Captain Dividend sold Intel…
  • The Rock Solid Ranking is Live!

    DivGuy
    9 Apr 2014 | 2:00 am
        Following up on my recent “build an investment strategy” article series (you can read part #1 and part #2 here), I’m delving into the core topic: which metrics to use to select your dividend stocks.   I have already shared metrics I look at and how I use them in a stock filter (read about my dividend growth model here). But we all know there is a lot more than a few ratios to choose a stock. One company can show awesome profit growth, but hide other problems in sales or debt for example. How do you weight each metric to find the right stock? It’s important to…
  • Best 2014 Dividend stocks Returns & TSX60 Ex Dividend Date

    DivGuy
    7 Apr 2014 | 2:00 am
    I’m taking a quick pause in my new investing series about how to build an investment strategy (read part 1 and part2) to publish my stock pick returns as at March 31st and the usual TSX60 dividend yield and ex-dividend date chart. After a full quarter, I’m already taking a step ahead of both US and CDN benchmarks. Lets check how I beat both benchmarks by more than 1%. PSST! If you are curious to know how I keep beating the market with dividend stocks for the past 3 years, check out my new website!   Best 2014 Dividend Stock Pick Returns   I started this “tradition” on my…
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    Gen Y Wealth

  • 10 Ways to Make Money Online in 2014

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

    Matt
    26 May 2012 | 8:12 am
    As young people we tend to not consider how much we are spending before it is too late.  We have all gone on to our bank’s online banking and shocked by the account balance; as it is often much lower than we anticipated.  This is an awful feeling that can be avoided if we have a budget set up.  Budgeting is not only important for avoiding overdraft fees but also to have money set aside to pay for bills and mandatory spending.  Budgeting can be difficult especially if you are out with friends.  Your money count can easily get away from you and soon you could be overspending and not…
  • Credit 101

    Matt
    16 May 2012 | 8:10 am
    Before you get a credit card you should consider the risks that can be involved, especially if you do not have a lot of income.  There are quite a few things you need to consider before you go and sign up for a credit card, otherwise you could be setting yourself up for failure and hurting your credit score.  Not to mention reversing credit score damage can take years and years making you pay higher interest along the way simply because you did not consider the risks of credit before enrolling. Credit is not free money. Often when someone gets a credit card for the first time they feel as…
  • What You Need to Know Before Becoming a Day Trader

    Matt
    6 May 2012 | 8:09 am
    You see it everywhere, “read how I made $100,000 day trading”.  Naturally, this peak your interest into researching more into day trading.  For those of you who do not know what day trading is, its trading stocks or currency within a day to catch a large upward or downward movement.  Seems simple enough right? Wrong.  Day trading is extremely risky if you do not know what you are doing and things can take a turn for the worst in a matter of moments.  Before you venture into the world of day trading you should consider these points: You are not an investor, you are a trader.  There…
  • Top 5 Personal Finance Apps

    Matt
    25 Apr 2012 | 8:08 am
    These days there is an app for almost every aspect of our lives, some are helpful and some are just for entertainment.  Chances are you already know the entertainment apps but not many of the personal finance apps that could help you in different aspects of your finances.  Here is a list of five of my favorite personal finance apps. Google Finance.  This app is for keeping an eye on the market while you are on the go.  It tracks US and world indices and your own portfolio holdings.  Aside from that they have imported financial news so that you know what is going on in the Stock Market at…
 
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    Steadfast Finances

  • Finance101 for School Leavers: What Schools Don’t Tell You

    CJ
    17 Apr 2014 | 6:16 am
    If you’re leaving education straight out of school, instead of going to university, two things are certain: you’ve got three years to get ahead of your friends who are going to university, meaning you could potentially be on a higher salary by the time they enter the job market. Secondly, you’ll also be entering a very fierce job market, where you might find yourself sending out hundreds of CVs before a potential employer comes along and takes you up on your offer for work. Missing Out on Personal Finance Training You might rejoice that you’re not having to go through further…
  • 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…
  • Quick and Easy House Sales which are Also Cost Effective

    CJ
    22 Oct 2013 | 8:35 am
    In my experience the selling of a property is never a straightforward one, and as time drags on with no completion it starts to cause stress. This is not how it should be, as selling a property should be an exciting time in your life as it means that you are moving to somewhere new. All of this excitement can be gone however by the time the sale has gone through, and all that’s left is relief that it has been completed. As well as slow sales being a problem, another aspect that will add to the stress is that selling a home can also be expensive, and this comes in the form of estate agents…
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    Fiscal Fizzle

  • Top Auto-Advancements to Consider When Buying a Car

    Wojo
    2 Apr 2014 | 7:30 am
    Whether you’re in the market for a new luxury vehicle or looking to upgrade to a newer, more reliable model, you likely have an idea of what you want in a new ride. From deciding on the color and size of the vehicle to the number of doors and amount of cargo space, you have many options to choose from when buying a car, including the latest automobile technologies. Purchasing a car with some of the most recent innovations in the automotive industry can help you recoup a larger portion of your investment when you’re ready to sell. Learn about the top auto-advancements to consider when…
  • Everything You Need to Get the Most out of Your Will

    Wojo
    31 Mar 2014 | 2:50 pm
    While no one wants to think about the inevitable, the sad truth about life is that no one can avoid death. While this is a hard pill for many to swallow, it doesn’t mean that you can’t take steps to ease the burden on your loved ones after you’re gone. A well planned and professionally designed will is one of the strongest assets your family can have to make life a little easier. Of course, all of this is easier said than done. With that in mind, here’s a breakdown of everything you need to make a great will that ensures you take care of your loved ones and other matters…
  • Spring Cleaning for Your Finances

    Wojo
    13 Mar 2014 | 5:41 am
    It’s March, which means that the weather is turning warmer in many parts of the country, and it’s time for some Spring Cleaning in preparation for summer. Like our homes, our finances tend to get bogged down with dirt and clutter, and it’s a good idea to clean house at least once a year. What might a Financial Spring Cleaning routine look like? Here’s one example, based on what I do for my family with the addition of other tasks that might be relevant to you: Review your will and emergency documents for consistency with any new developments in the last year. Go through…
  • 5 Ways to Lose Me as a Customer With Your Website

    Wojo
    9 Mar 2014 | 11:58 am
    It’s 2014, and for many people, your business website is one of the first ways we interact with your brand or service. If your website doesn’t deliver, I consciously (and subconsciously) assume you won’t either. But my customers aren’t the type to check websites first, you say, or the type of business I’m in doesn’t demand websites. 5 years ago, I may have conceded that you were right. Today, there’s not a single “type” of business nor a single “type” of customer I interact with where I know the Web can play a critical role…
  • Teaching Young Kids About Money: Here’s What I Do

    Wojo
    21 Feb 2014 | 4:05 am
    As a parent of a 4-year-old and a personal finance blogger, people often ask me what kinds of lessons I try to teach my kids about money and whether 4 is just too early to make any kind of meaningful impact on a child’s financial future. I wholeheartedly disagree. The mantras, habits, and emotions kids form around money at a young age will stick with them for a long time—I know that mine did (and still do). They need to be the right habits and not just those they pick up on TV or at school. Mom and Dad have to put in some face time and get the money message right, as soon as possible…
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    MoneyProblems.ca

  • Teach Your Children About Debt Problems

    Ted Michalos
    16 Apr 2014 | 5:00 am
    I may not win many friends with this article, but I am of the opinion that one of the most effective ways to reduce bankruptcies and debt problems in the future is for people going through the process to share their experiences with family and friends. I am not suggesting... Read more The post Teach Your Children About Debt Problems appeared first on MoneyProblems.ca.
  • 5 Signs You Are In The Credit Card Debt Danger Zone

    Moneyproblems Answers
    9 Apr 2014 | 4:18 am
    It’s easy to pay for purchases using your credit card but it’s not always easy to keep your use of credit under control. In fact 93% of all insolvent debtors owed money on several credit cards at the time they sought debt relief. Their average outstanding balance was $25,400, so... Read more The post 5 Signs You Are In The Credit Card Debt Danger Zone appeared first on MoneyProblems.ca.
  • What To Expect if Your Credit Card Debt Has Been Sold

    Ted Michalos
    2 Apr 2014 | 4:00 am
    Credit card companies are in business to make money. When they issue you a credit card they make money by charging the merchant a transaction fee every time you use your card, and they earn money if you carry a balance or incur late payment or other credit card fees.... Read more The post What To Expect if Your Credit Card Debt Has Been Sold appeared first on MoneyProblems.ca.
  • Don’t Get Caught In Bank’s Market Share Grab

    Moneyproblems Answers
    27 Mar 2014 | 6:20 am
    The Bank of Montreal slashed 5-year mortgage rates today to a low of 2.99%. It looks like our Canadian banks are thinking about starting a bidding war to gain your business and boost their mortgage portfolios. Before you jump at these ultra low rates, consider the long term impact on... Read more The post Don’t Get Caught In Bank’s Market Share Grab appeared first on MoneyProblems.ca.
  • How Do Credit Cards Charge Interest

    Moneyproblems Answers
    26 Mar 2014 | 4:02 am
    Most people know that if they carry a balance on their credit cards beyond the due date they will have to pay interest. Understanding how interest is calculated on your credit card debt however can help you use credit more wisely and give you some tips on how to reduce... Read more The post How Do Credit Cards Charge Interest appeared first on MoneyProblems.ca.
 
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    JoeTaxpayer

  • 2015 Federal Budget – Increasing Standard Mileage Rates for Charitable Driving

    Joe
    17 Apr 2014 | 4:00 am
    There are times that you can deduct the cost of operating your car, and more specifically, write off the mileage you’ve driven for particular reasons. From the IRS site, above is a brief summary. You can see the disparity between what you can deduct for miles driven for business vs medical, moving, and charity. Strangely, the deduction for charity is not currently indexed to inflation, and requires a specific change authorized by congress. It’s been stuck at 14 cents per mile for a very long time.  The budget proposal would change the rate for charitable driving to the same rate…
  • 2015 Federal Budget – Simplify Required Minimum Distribution Rules

    Joe
    16 Apr 2014 | 4:00 am
    This proposed change to the tax code is a simplification, but at what cost? One bit of the proposal offers to eliminate RMDs on retirement account that are worth less than $100K. A good thing, I suppose, although those with a low IRA balance are also likely to be in such a low tax bracket that the withdrawal wont be a burden. The next part of this change is add RMD requirements to the Roth IRA. I have mixed feelings about this. One view is that retirement accounts are meant for just that, retirement. These accounts have morphed into estate planning tools, especially for those of modest means.
  • 2015 Federal Budget – Limiting the Size of Retirement Accounts

    Joe
    15 Apr 2014 | 4:00 am
    We continue our look at the proposed 2015 Government Budget, and today it’s one that is bound to impact people by surprise. The proposal itself may seem well intended, at face value, it puts a limit on what one can accumulate in their retirement accounts. In light of the Mitt Romney $400M IRA, such proposals have gotten public approval. To be clear, it’s not the spirit of the proposal that I object to, but the math behind its implementation. Let me first offer the limits and how they will be calculated. First, an annual benefit of $210,000 has been deemed enough. For a single…
  • 2015 Federal Budget – Closing the Carried Interest Loophole

    Joe
    14 Apr 2014 | 4:00 am
    This is a change for the better that reverses a bit of tax code that never made sense to me. There is a loophole that taxes what you or I would look at as income to partners of an investment firm, and tax it at a capital gain rate. As the budget proposal states “Although profits interests are structured as partnership interests, the income allocable to such interests is received in connection with the performance of services. A service provider’s share of the income of a partnership attributable to a carried interest should be taxed as ordinary income and subject to self-employment…
  • 2015 Federal Budget – Simplifying the Gift Tax Exclusion

    Joe
    13 Apr 2014 | 4:00 am
    I’ve been sifting through the proposed 2015 Government Budget and will complete the series in a seven day marathon, an article each day for the next seven days. The tax code is so complex that each bit ranges from applying to most of us, to code so specific, it might hit the top fraction of a percent. So please bare with me if the proposed code changes I’m highlighting have no interest for you. You may know, the gift tax exclusion permits an individual to gift up to $14,000 each year to another person with no tax consequence. Even if you are not wealthy, when you reach an age that…
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    Financial Samurai

  • The Best Time To Buy Property Is When You Can Afford It

    Financial Samurai
    16 Apr 2014 | 4:25 am
    Now that I’m back in the property hunt, I realize more than ever that the best time to buy property is when you can afford it. Perhaps my belief is not as true for cities that are dying from the inside. But for those people who want to buy property because their incomes are growing, a baby or two are on the way, or they simple no longer want to be price takers in an ever rising rental market, buying property when you can afford to buy is most likely a good choice. It’s important to realize that if you rent, you are short the property market. Every time rents and property prices go…
  • When Saving Money Is No Longer Worth Your Time But You Do It Anyway

    Financial Samurai
    14 Apr 2014 | 4:25 am
    After drinking a couple beers with a buddy a couple months ago, I dragged myself across the street to get a flu shot at Walgreens. Supposedly this season was one of the worst, and I had no desire to get swine flu. I hate needles. The insertion isn’t what bothers me. What irks me is the uncomfortable feeling of liquid getting pushed into my veins as the injector tries to hold the needle still. I don’t know how heroine users do it! I actually didn’t feel a thing this time around because I was a little tipsy. Perhaps you too should give needle injecting a go after a couple…
  • How Much Do I Have To Make As An Entrepreneur To Replace My Day Job Income?

    Financial Samurai
    11 Apr 2014 | 3:53 am
    Entrepreneurship is great due to the high correlation between effort and success. If you want autonomy and believe you have what it takes to create income out of thin air, go for it! There’s nobody to blame for your failures, just like there’s nobody to reward but you for your victories. Anybody who incessantly complains about their job should just give entrepreneurship a go – they will probably never complain again. A day job is a walk in the park compared to entrepreneurship because of the necessity to wear many different hats e.g. accountant, operations, marketing, sales,…
  • Pay Down Debt Or Leverage Up To Buy More Property?

    Financial Samurai
    8 Apr 2014 | 4:25 am
    I’ve been dreading this day for the past five years. First Republic Bank sent me a letter in the mail stating that one of my 5-year CDs is coming due and that I have a seven day grace period to withdraw my funds before they renew for another 5-year term. I would be fine with renewing except for the fact that the renewal interest rate is only 2.2% vs. the 4.2% I’ve been receiving. I’m not locking my money up five years for a lousy 2.2% a year, no way. The post “CD Investment Alternatives: Why I’m No Longer Investing In CDs” provides a longer explanation of…
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    Personal Finance Blog

  • Make Your Kids Money-Wise

    Twila VanLeer
    11 Apr 2014 | 12:42 pm
    When you start thinking about the facts of life that your children need to know, remember that money is one of those facts. It’s the rare human being who doesn’t need to know, early or late, how to manage personal finances. And in this case, early is always better. A foundation in finance can protect your children as they venture into the adult world. For instance, when they come up against the cold hard facts of things such as student loans. The Consumer Financial Protection Bureau estimated in 2013, for instance, that seven in ten college seniors graduating in2012 had an average…
  • Don’t Let Lifestyle Inflation Overwhelm Your Finances

    Kevin Mercadante
    10 Apr 2014 | 8:57 am
    Protecting Your Money So It Can Grow In Value So often, people watch their careers flourish and their incomes grow – but no matter how fast they do, somehow their overall financial situation seems to go nowhere. Sometimes, it even gets worse. How can that be? It’s called lifestyle inflation, a kind of financial cancer that can render your finances a complete wreck, even as your career takes off. It’s important to realize that income and net worth are not the same thing. Income is how much you make, but net worth is what you’re left with after all your living expenses are paid. If…
  • Powerful Budgets Help You Get What You Want

    Sherry Tingley
    5 Apr 2014 | 9:51 am
    We all have them: Expenses we can’t sidestep, things we would like to have and long-term hopes and plans that require up-front planning. Budgeting Helps You Keep Your Dollars That’s what budgeting is all about. It gives you a clear picture of what you have, what you must spend and what’s left over for those things that are only dreams in the making. For most of us, it’s clear that the “musts” will eat up most of the paycheck. Surveys show that the average American household spends 80 percent of its income on essentials. Sixty percent, right up front, goes…
  • 10 Travel Tips To Stay Within Your Travel Budget

    Sherry Tingley
    24 Mar 2014 | 6:19 am
    A vacation is something that most people enjoy, but few are able to afford consistently. However, a fun vacation doesn’t have to break the bank. Whether you want to take vacation to the beach or to an exotic location you will need to plan ahead. By discovering your hidden thrifty streak and checking out these ten travel tips, you can make a vacation affordable for you. Prioritize Before you start thinking of where you’d like to go, consider what you want to do on your trip. If you’re after a five-star vacation, you’re likely going to need to save for it. However, if…
  • Debit Card Pre-Authorization Holds

    Twila VanLeer
    3 Feb 2014 | 11:14 am
    You insert your debit card. You pump the gas. You cringe (the current average price- per-gallon for premium is $3.62) and you leave the filling station assuming the $40 total will be subtracted from the balance in your debit card account. Simple, right? What you don’t know is that behind the scenes, computers are doing their thing and when they are done, your bank may have put a pre-authorized hold on your account. It may be larger than your actual balance, especially if you are chronically hovering about the edges of the account. That means that when you drive from the gas station to the…
 
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    Control Your Cash: Making Money Make Sense

  • The Best Alternatives to a 401(k)

    admin
    9 Apr 2014 | 4:07 am
    The well of creativity is barely a trickle at this point. Our muse went to St. Tropez with someone younger and better-looking, and that was months ago. Is she ever coming back? We’ll leave a light on. Spend more time at the gym. Buy more flattering clothes. Vacuum the house once in a while. Damn, it would have been so easy to keep her. Cinderella were right, you don’t know what you got (till it’s gone).So here’s the latest in what’s become a weekly series, our recycled Investopedia pieces. We still write for them, by the way. In fact, here’s our latest,…
  • Carnival of Wealth, Back from the Dead Edition

    admin
    8 Apr 2014 | 4:53 am
    You can’t kill a dead man, but apparently a part-timer can break his streak If you missed last week’s Carnival of Wealth…well, you weren’t the only one.First, the excuse: we use a couple of hosting services to organize the carnival submissions for us. One of those services has been down for a while now, the other one takes submissions and watches them disappear into the ether. So we should have been suspicious when Sunday night came around and we’d received posts from a grand total of 2 sites, one of them with only a tenuous connection to personal finance.
  • An Investopedia Repost About Lockouts and Such

    admin
    2 Apr 2014 | 4:42 am
    From our Investopedia files, a piece about sports labor strife. Which doesn’t pertain to your life unless you’re an athlete, an agent, or maybe a team owner, but it’s an entertaining read. Trust us, we wrote it. Here’s an enticing sample:By 2011, pro football had metamorphosed from popular sport into national obsession. That spring, the NFL’s collective bargaining agreement had expired. The owners attempted to implement some draconian new measures, including an extended season (two additional chances to suffer a career-ending injury!) and a tight salary cap for…
  • Carnival of Wealth, Andrew Pohl Edition

    admin
    31 Mar 2014 | 4:56 am
    Andrew and his best friend, Gord That’s the problem with being selective. You accept only the good submissions, or the stupendously awful ones, and pretty soon the number of submitters dwindles to a trickle. Presenting another edition of the Carnival of Wealth, the only personal finance blog carnival worth a damn. Even with only 2 submitters. One of whom is one of the aforementioned awful contingent, the other of whom is a rookie. When you’re the only legitimate submitter, unbowed by threats of search engine optimization punishment, the least we can do is name a weekly…
  • March’s (F)RotM. You’re in Trent Hamm’s House.

    admin
    28 Mar 2014 | 4:23 am
    “Qwirkle.” “Belfort.” “Ingenious.” These aren’t even real words! The biggest problem with Trent Hamm of The Simple Dollar – aside from his repetition, impractical advice, stubbornness in the face of evidence that proves him wrong, unhealthy love of adverbs, repetition, comical overuse of the word “wonderful,” and repetition – is that there’s just too much to make fun of. We can read him only in spurts, then have to take a few weeks or months off or we’ll find ourselves making our own deodorant or recording…
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    FiGuide - A Retirement Plan That Works!

  • New Year- New Decisions to Make

    Tom Orecchio, CFA, CFP®
    8 Apr 2014 | 11:53 am
    “I don’t really need wealth management services.” We find that some people are uncertain what wealth management services actually encompass.  Some think of advisors as purely investment focused.  Others think advisors simply throw clients into cookie cutter asset allocations.  We focus on educating our clients and prospective clients on the benefits of integrating comprehensive financial planning with customized portfolio management in an all-encompassing service to seek to accomplish the long-term financial goals of high net worth individuals and their families, charitable…
  • Realize Some Capital Gains Each Year To Keep Taxes Low

    Matthew J. Illian, CFP®, AIF®
    8 Apr 2014 | 6:00 am
    Capital gains taxes became very confusing last year. There are at least four different rates which you might pay depending on how much income and how much gain you have in any particular year. 0% Capital Gains Tax Rate This capital gains rate is available for those in the 10% or 15% federal tax brackets (2014 under $73,800 married filing jointly or $36,900 filing single). If you are in these tax brackets, you should be realizing capital gains between your current AGI and the top of the 15% tax bracket each year. Whatever gain fits under the top of the 15% bracket has a tax rate of 0%. Take…
  • Simplified Home-Office Deduction Available

    Jim Blankenship
    8 Apr 2014 | 5:54 am
    Beginning with your 2013 tax return you have a new option available for calculating the Home-Office deduction – based solely on the square footage of the dedicated space used for the home office. Instead of having to maintain records that are directly and indirectly associated with your home office, you can use the simplified method, which applies a flat $5 rate per square foot to the home office space, up to a maximum of $1,500. The record-keeping and tax preparation simplification is very beneficial: Form 8829 (the usual home-office deduction form) can cause a lot of headaches to prepare,…
  • Is High Frequency Trading Evil?

    Don Martin
    7 Apr 2014 | 1:47 pm
    The recent publication by Michael Lewis of a book, Flash Boys, that is critical of High Frequency Trading (HFT) is wrong. The cost of other problems such as excessive fees or bad trading decisions or bad spreads or tax traps, or risk that zero percent Federal Reserve controlled rates rob retirees of their ability to retire is far, far greater. Of course two wrongs don’t make a right. However, the HFT adds liquidity thus lowering investors’ costs. When critics of HFT complain that the price offered wasn’t really available they are talking in terms of the exact price, surely at a slightly…
  • Tax Deductions For Business Assets Loss Often Lost by Investors

    Don Martin
    28 Mar 2014 | 10:04 am
    I have met investors who made serious tax errors because they didn’t seek professional advice. One person had $78,000 of accrued interest from negative amortization on a rental property that became deductible when the loan was refinanced and paid off. However, the accrued interest was not properly reported by bank until several years later. When a property owner has a negative amortization mortgage the accrued interest is deferred until the loan is paid off or until the loan changes to a fully amortized loan. The interest can only be deducted when paid, assuming the taxpayer is using the…
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    Budgets Are Sexy

  • When Mixing Passion With Hustling Can Fail

    J. Money
    17 Apr 2014 | 2:46 am
    [We've got a great article today by my boy Zee from Work-to-Not-Work.com. He brings up something good to consider while y'all are out there looking for new side hustles!] Most personal finance sites I read have at least 1 post (or entire sections) about having a side hustle. The reasons behind why you should do this usually falls into “diversify your income streams” or simply, “increase your income.” The two ideas go hand in hand so it really doesn’t matter which reasoning you are using because all apply. I’ve been told that the best side hustles are doing…
  • Sometimes You Gotta Spend Money To Make Money

    J. Money
    16 Apr 2014 | 2:48 am
    One of my favorite sayings is “You gotta spend money to make money.” I don’t know why I like it so much considering it’s not always the case, but I guess the times when it is I just really REALLY love it :) Like, say, contributing to your company’s 401(k) plan. You “spend” a percentage of your paycheck every two weeks to better your future, and then your company turns around and dumps in FREE money to match! How awesome (and easy) is that? Spending money to make money at its finest. Unfortunately, however, life isn’t always so clear cut so we do…
  • One-on-One w/ Farnoosh Torabi, Author of the New Book, “When She Makes More” [+ Book Giveaway!]

    J. Money
    15 Apr 2014 | 2:54 am
    Hey guys! Welcome to another One-On-One where I interview some of the coolest people I know :) If you missed any of our last ones on Rob Wilson (Aka Hip-Hop’s Financial Advisor) or Extreme Couponer’s Chrystie Vachon, be sure to check them out when you get a chance. Awesome people doing even awesomer things! And now up, my good friend, and published author, Farnoosh Torabi! A little about Farnoosh… Before we get started, let me share a few things about Farnoosh in case you don’t recognize the name (which would be hard to do since it’s so unique :)). In a nutshell,…
  • Two Kick-Ass Spending Tips

    J. Money
    14 Apr 2014 | 2:32 am
    I read an awesome article by my man Zee the other day, and I wanted to share it with y’all as well as another one I use myself it reminded me of. So today you get a 2-for-1 special – it’s your lucky day! (Perhaps you should run out and buy a lottery ticket next? ;)) Kick-ass tip #1… The “Stranger” Test This one comes from Zee who totally made up the name for it, even though we’ve both heard about it before and can’t recall where? I think his name for it fits perfectly though, and hopefully it’ll be strange enough so that none of you…
  • It’s Yard Sale Season, Bitch!

    J. Money
    11 Apr 2014 | 2:52 am
    That’s what my alarm shouts at me every Saturday morning now to wake my ass up ;) And by “alarm” I mean “my internal bargaineering alarm” since the first rule of The Yard Sale Club is to get out the door early! Followed by the second rule, “Never talk about The Yard Sale club.” Oh wait… All kidding aside, if you want to be the best yard saler you can possibly be, you have to remember a handful of tips & tricks so you walk away feeling like a king rather than a joker. And there’s nothing worse than being a joker and having to pay for…
 
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    Smart On Money

  • How To Handle A Canceled Flight

    Miranda Marquit
    1 Apr 2014 | 10:18 am
    I‘m getting ready for a few months that include quite a bit of travel. While I don’t usually run into problems when I fly, my husband has had a couple of experiences with canceled flights. Twice he’s experienced flight cancellations in the midwest due to tornadoes. And, of course, if you travel during the winter you might run afoul of extreme weather. If your flight is canceled, how you handle it matters. While it’s never pleasant to be stranded, the reality is that you can make the situation better or worse, based on your actions. Here are some things to keep in mind:…
  • Your Grocery Bill Could Rise with Dairy Prices

    Miranda Marquit
    20 Mar 2014 | 8:52 am
    One of the items that consumers have to contend with is inflation. Prices are always going up — even if wages are stagnating. Recently, one of the areas that has seen some rather dramatic inflation is dairy. According to Marketwatch, dairy prices rose 0.7 percent between January and February of 2014, and milk has risen by 10 cents a gallon since September 2013. What does this mean for your grocery budget? It means that you could be spending more at the store. Rising dairy prices mean that you pay extra for more than just milk. Cheese, butter, cream, and other items also cost more when…
  • Can You Trust Your Tax Preparer?

    Miranda Marquit
    14 Mar 2014 | 11:25 am
    My tax preparer is a life saver. Ever since I formed my LLC and began investing, my taxes have been a bit on the complex side. As a result, an accountant prepares my tax returns each year (one for the business, and one for my husband and me, plus our state tax return). This makes my life easier, since I don’t spend hours filling out the forms and tracking down the latest information on tax law changes. I’m fortunate because I trust my tax preparer. My accountant will represent me to the IRS free of charge if I’m audited, and he makes it a point to go over the return with me…
  • 4 Financial Things to Talk About Before Marriage

    Miranda Marquit
    3 Feb 2014 | 8:06 am
    Before you tie the knot, it makes sense to get to know your potential marriage partner. One of the things it helps to know is how your potential partner will deal with finances. My husband and I got engaged after three weeks, and married two months after that. We didn’t have a lot of time to get to know each other — although we did spend a lot of time together talking about important things. We did talk about some money issues, but probably not all the issues we should have. Before you get married, and especially if you decide to merge your finances, here are 4 financial things to…
  • Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff

    Mr. Money
    16 Jan 2014 | 3:58 am
    One thing that always makes me cringe is when I hear about someone who has been asked to co-sign on a loan for a friend or family member. I cringe because I know just how often those situations can turn bad, and how the co-signer can often be left holding the bag. Usually there’s a reason why the borrower is being asked to get someone to co-sign for them.  Because they’ve a risky loan for the bank to make. You Are Liable For A Cosigned Loan The problem with co-signed loans is that far too often people don’t know what they’re signing up for.   They think…
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    Financially Poor

  • What did we do before fuel cards?

    Kevin
    15 Apr 2014 | 9:11 pm
    No, seriously what did we do before fuel cards for businesses? I’ve run a maintenance and repair company for over 10 years now and wake up with cold sweats thinking of my life before Texaco cards from chooseafuelcard.com. Before I selected a business account fuel card from ‘choose a fuel card’ I had to: Sift through hundreds of receipts on a monthly basis; I have over 100 operatives each with their own personal vehicle. As you can imagine, come paperwork time at the end of each week, retrieving valid and accurate receipts from every member of staff was a nightmare, more than a…
  • Three Smart Moves If You Can’t Pay Your Bills

    Kevin
    13 Apr 2014 | 8:56 pm
    If you’ve always been responsible with your finances, being unable to pay a bill might send you into a state of panic. You may fear damaging your credit score or receiving calls from your creditors.  Unfortunately, this scenario is all too common. We live in tough economic times, and between the rising cost of living and people losing jobs, it has become harder to make ends meet. Even if you’re doing okay today, things can quickly change. While a change in your finances may eliminate your “play” money, being able to keep up with your main expenses might be enough to keep you calm. …
  • Why There is No Need to Ever Have Financial Stress

    Kevin
    11 Apr 2014 | 8:40 pm
    When people stress about money it’s usually because they feel they don’t have enough in their life. If you’re short on money to pay bills then you need to look at where else your money goes. If you have time to stress about money then you have time to make money. Get a second job, sell stuff or cut back on everything else you spend money on. I used to stress about money all of the time because I didn’t have enough money to cover my bills every month. Yet I always found money to be able to go out at night. I did that to escape from the fact I didn’t have money but…
  • The Ultimate Guide To Sharing Your Passion

    Kevin
    9 Apr 2014 | 8:37 pm
    A passion is something that you can’t keep hidden. It flows through you like the rivers flowed through the Grand Canyon. It shapes you into the person that you will be, not who you are today. There is only one way to let that river flow through someone else, and that is by sharing your passion and knowledge about it. The most efficient way to do that is through the web. No, not a spider web. The Interwebs = The internet. The most amazing thing in the world that connects everyone together. Can you imagine a more powerful place to share your passion? I know you think it may not be the…
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    Couple Money

  • 10 Ways for Couples to Master Their Money

    Elle Martinez
    15 Apr 2014 | 7:31 am
    One of the most powerful tools you have to tackle and master your finances is not some fancy calculator or new app, but your spouse. You two are in this journey together and that means using this opportunity not just increase your net worth, but to actually becoming closer. 10 Things You Two Can Do to Build Your Net Worth When I first started Couple Money, I shared some tips on building a financial plan together. Now older (and hopefully just a little bit wiser), I’ve adjusted my suggestions and added two more. Whether you are newlyweds or have been married for a few years, there are…
  • Keeping Tabs on Our Retirement Accounts

    Elle Martinez
    7 Apr 2014 | 10:59 am
    Over the last few years as we’ve been working together and I’ve been sharing our progress on Couple Money, you may have noticed a few constant themes coming across in several posts, two of them being automate your finances when possible and save for retirement. I think that one of the most helpful things we have done as a couple is creating a financial system that basically takes care of the essentials so we are freed up to  spend more time on people and activities that matter to us. As working parents, we would honestly rather do other things than looking over everything…
  • Republic Wireless: No Contract Moto G for $149

    Elle Martinez
    25 Mar 2014 | 8:54 am
    If you’re trying to manage your bills, one area where you may be able to save some significant money is by switching your cellphone provider. With many couples, paying for an unlimited family plan for 4 people can set them back about $180-$200/month. How would you like to cut that bill down in half,  $100/month? Starting next month, Republic Wireless is selling the Moto G (starting at $149) , a very capable smartphone. Customers can choose what cell phone plan works best for them, including: Unlimited talk, text, and data on WiFi only – $5/month Unlimited talk and text on WiFi…
  • How Much Should You Tip?

    Elle Martinez
    19 Mar 2014 | 1:29 pm
    I was catching the news this morning and one of the stories caught my eye - how digital transactions affect tipping for services. I thought it fascinating that businesses had seen hikes in the amount of tips collected when they use services like Square to handle their transactions. Lately I’ve noticed more and more business leaving out tip jars and other hints at the register. While I certainly understand that employees are trying to maximize their pay for service, I sometimes get frustrated because I’m trying to figure out what’s appropriate (and that’s even before…
  • Manage All Your Bills with Finovera

    Elle Martinez
    10 Mar 2014 | 7:03 am
    For years, Mint has been my favorite – allowing me to get a snapshot of our finances and giving me a way to watch our spending in an easy and free way. Finovera – A Comprehensive Financial Solution? Now, though, there’s a another option out there – Finovera. The company is hoping to take money management a step further – giving users not only the ability to see their budget, but also manage their bills  AND store their financial documents in one place. Blogging about personal finance, I’ve seen various companies try to provide a practical solution for…
 
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    Beating Broke

  • Keeping Up With the Smiths

    Shane
    15 Apr 2014 | 5:54 am
    Keeping up with the Joneses is bad.  We know that.  From a financial perspective, we spend a great deal of our time overcoming the green monster called envy in order to keep our lives in some semblance of financial order.  We know the Joneses down the street with their big, fancy new SUV.  We see them going on long family vacations.  And we know the guy that mows their lawn.  But, we also know that there’s a pretty high probability that they still owe a ton of money on that SUV.  That that family vacation likely was financed through a credit card.  Their entire financial life…
  • Do You Have a Rainy Day Cash Fund?

    Shane
    3 Apr 2014 | 6:03 am
    Everyone should have a rainy day cash fund.  Not an emergency fund.  Although, you should have one of those as well.  No, a rainy day cash fund should be exactly that.  Cash.  Easily accessible, and easily spendable. Ahhh!  Did he just say “easily spendable”?  Yes.  I did.  Why would I say something like that?  Common advice is that you should put your money in an account where it isn’t easily spendable.  Especially your emergency fund.  You don’t want any everyday “emergency” to drain your emergency fund dry.  It’s for real emergencies.
  • Frugal Estate Planning

    MelissaB
    31 Mar 2014 | 6:15 am
    One of the joys of getting married and having kids is that you then must face your own demise.  The poet Donald Hall wrote about this in his poem, “My Son, My Executioner” stating, as a man and his wife look down on their newborn son, “We twenty two and twenty five/who seemed to live forever/observe enduring life in you/and start to die together.” Cheery, thought, eh? Estate Planning Isn’t for the Faint of Heart Yet, if you have children, you must plan for their future should you die while they’re still young.  I know, no one wants to do this.  In fact,…
  • Composting; You’re Doing it Wrong

    Shane
    27 Mar 2014 | 7:17 am
    Each and every year, for the last several years, I’ve said that I plan on finding a space for a compost heap and create one.  Several years ago, I went so far as to take all of the grass trimmings and garden trimmings and dump them into a pile in the back yard.  And that’s where they sat, untended, and somewhat forgotten.  I’m still hoping that this year is going to be the year that I get off my duff and actually create the compost pile that creates actual compost. Every year, we end up buying several bags of garden dirt for our container garden, and it would be really…
  • Declutter Your House Like You’re Moving and Make Some Cash

    MelissaB
    24 Mar 2014 | 5:45 am
    It’s been a long, hard winter.  In Chicago, this winter ranks as the third snowiest on record, and the temperatures have been bitterly cold.  Of course, we’re not alone; much of the country has felt the same pain. Finally getting some warm, sunny days and watching all the snow melt has put me in the mood to spring clean.  I’m not someone who cleans just for the sake of cleaning.  No, I clean for two main reasons–to feel better about our home and how we feel in it and to make some cash. To me, spring cleaning and decluttering mean raking in some extra cash selling…
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    Greene Consulting Associates Blog

  • So What is a Competency?

    David Greene
    25 Mar 2014 | 11:06 am
    One of the biggest buzzwords in Financial Services Training and Development today is “competency.” At Greene Consulting, we have worked with many organizations as they embarked on defining key competencies to better define and clarify what is takes to be successful in a given position.
  • Helping Advisors After the Tax Act: A New Training Program

    Michael Sorrow
    1 Oct 2013 | 6:59 pm
    We are excited to announce the launch of a new training program titled, “Estate Planning Strategies – A New Paradigm for Advisors.” This online, self-study program is designed in partnership with industry-leading estate planning attorney, Donna Schumell and Greene Consulting. The online, self-study program equips Financial Advisors with: A broad understanding of The American Taxpayer Relief Act of 2012 and how it impacts high net worth clients from an estate planning perspective Actionable techniques for engaging clients in the right conversations that will drive opportunities and…
  • Keys for Developing the Competencies of Front-Line Financial Advisors

    Michael Sorrow
    19 Feb 2013 | 11:00 am
    The landscape in which financial advisors must compete to earn the business of consumers is more competitive than ever.  In this integrated marketplace, small and large Financial Services firms are competing to offer integrated, holistic solutions to their client-base.  This leads to the dilemma ALL financial services firms are striving to solve: How do we effectively develop the competencies of our financial advisors? How do we provide targeted, role-specific financial education helping our front-line advisors compete in this marketplace? Watch the following video from Managing Partner,…
  • eLearning Trends in Financial Services

    Michael Sorrow
    19 Feb 2013 | 10:00 am
    In this tight economy, learning departments of Financial Services firms are looking for creative, cost-effective ways to add value to the business line. Many of them are turning to eLearning for the technical and skill development their professionals need; while others, especially smaller organizations, are reluctant to utilize eLearning due to perceived barriers to adoption. For example, Tagoras research recently released a state of the sector report in which they noted the top barriers to eLearning: 1.    Concern that costs would exceed financial return 2.    Lack of technology skills…
  • Key Trends Supporting a Rebound in Financial Services Training

    Michael Sorrow
    5 Feb 2013 | 3:00 am
    The economic situation in recent years has had significant impact on the ability of organizations to develop the technical and application skills of their front-line financial professionals. At the start of the downturn, one of the first budget lines impacted was “training.” Organizations were looking for every possible way to maximize efficiencies and minimize costs to “stop the bleeding” in an effort to meet the numbers for Wall Street. Despite the limitations in financial services training budgets in recent years, things now appear to be changing. A recent study issued by Bersin…
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    Savvy Saving Bytes

  • The Best Place to Work When You Die – Google

    SSB
    15 Apr 2014 | 8:37 am
    Researching another topic, I was surprised to come across the super generous benefits Google pays to an employee’s family when that worker dies. Every year for the next 10 years the employee’s spouse or partner will receive half of that worker’s salary. The average yearly income at Google is $141,000. This means the deceased employee’s […]
  • Five Sensible Reasons for Eating Bugs

    SSB
    25 Mar 2014 | 2:41 pm
    Put aside the ick factor and consider this: for many people around the world, eating insects is neither strange, disgusting nor exotic. Bugs are their food, their meals, what they and their ancestors have been eating for ages. Why? Number one – the buggers are packed with powerful nutrition. Comparing iron content, beef has  6 […]
  • Dutch Tulip Mania Began with a Virus

    SSB
    10 Mar 2014 | 6:51 pm
    Contrary to popular thought, tulips didn’t originate in the Netherlands. They arrived as gifts from the Sultan of Turkey just as the Netherlands, enriched by its hugely profitable East Indies trade, was embarking on its Golden Age. Eager to show off their wealth, merchants built estates with luxurious  gardens that showcased this dazzling new flower – […]
  • Why Do Vegetarians Have Lower Blood Pressure?

    SSB
    26 Feb 2014 | 8:24 am
    What’s known for sure is that vegetarians DO have lower blood pressure than meat eaters. Numerous studies have conclusively shown this, including most recently a report in Journal of the American Medical Association: Internal Medicine by Dr. Neal Barnard of Physicians Committee for Responsible Medicine (PCRM). He and his colleagues based their conclusions on at […]
  • Are Stomach Balloons in Your Weight-Loss Future?

    SSB
    3 Feb 2014 | 7:55 pm
    Recently launched in the UK and already used throughout Europe, new weight loss pills that inflate into stomach balloons are now in the investigational stage in the US. Here’s how they work. A patient swallows a large pill attached to a long catheter. Inside the pill is a balloon that’s inflated once the pill arrives […]
 
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    Owning Gold Blog

  • During times of global uncertainty, buy more gold.

    dhkenrick
    12 Apr 2014 | 7:35 am
    When should you be buying more gold? Some people make this decision very complicated, listening to analysts on a daily basis, scrutinizing technical charts, and so on. That’s not how I make my own buying decisions. First off, I’m not a trader or speculator in gold. I’m an owner of gold. I buy physical gold in the form of bullion coins, and I plan to keep them indefinitely…selling them only if and when some future need arises. As a result, I don’t stress over whether I bought a couple of coins at a price that was ten dollars more than I would have paid if I had made my purchase a day…
  • Why physical gold is probably worth a lot more than you think.

    dhkenrick
    14 Dec 2013 | 1:51 pm
    It would be reasonable to think that the price of gold is determined solely by the supply and demand of the physical product – gold bullion. But that is not the case. Most of the “gold” traded each day is paper gold, not physical gold. This paper gold is traded in the form of ETFs, futures and the like. Gold is also leased. And as you probably know, when you want to buy gold bullion you are often given the choice between buying physical gold, allocated gold (which the banks stores on your behalf) and unallocated gold. Unallocated gold is nothing. It’s simply the promise of gold. And…
  • Owning gold – a small downside with a huge upside.

    dhkenrick
    20 May 2013 | 4:19 pm
    When you invest money there is usually a reasonable upside and a huge downside. Just ask anyone who invested their savings in Enron or with Bernie Madoff. Yes, those are extreme examples. But there are thousands of other cases where honest people invested their savings in the hope of a reasonable growth in their savings, but instead lost it all. It was the same with real estate. People invested what they had, borrowed heavily, and hoped that their home would grow in value and cover their debts. But that didn’t happen. Instead they faced foreclosure. They lost everything. Even of you play it…
  • Why you should buy physical gold, not paper gold.

    dhkenrick
    19 Apr 2013 | 6:48 am
    The quick answer to why you should own physical gold is that you can’t trust the banks or your government. Eric Sprout, the billionaire precious metals trader, recently conducted an audit of how much gold the U.S. government has been buying and selling over the last few decades. Here is his conclusion: “We used this framework to analyze supply and demand in the US going all the way back to 1991, which is as far back as the FT900 documents go. Over the span of 22 years, the total amount of gold that the US has exported – above and beyond its supply capability – is almost 4,500 tonnes!
  • I bet you have never seen this much gold before.

    dhkenrick
    9 Dec 2012 | 11:59 am
    Here is a sight you won’t see very often. In fact, I’m not sure this gold vault has ever been made public before. This video shows you just some of the gold that is stored by the Bank of England. As you watch the video, you’ll get a sense of just how much is there, and how much it is worth. Take a look. Seeing all this gold in storage should be reassuring to all of us as owners of gold. First, it confirms the real value of gold as a reserve currency. Central banks don’t own and store gold just because it is rare and shiny. They own it because it represents real wealth, outside of the…
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    Compare Australian Credit Cards and Offers

  • Citibank Rewards Credit Card – Classic Card

    Isaiah James Peralta
    28 Mar 2014 | 2:24 pm
    Get rewarded when you spend on the card As Citibank’s base level rewards product, the Citibank Rewards Credit Card – Classic offers one Citibank Rewards point for every dollar spent on eligible purchases. Cardholders can earn up to 60,000 points in a year with points being capped after this point. If you use your card [...] The post Citibank Rewards Credit Card – Classic Card appeared first on Compare Australian Credit Cards and Offers.
  • Spending over your credit limit

    Matt Corke
    27 Mar 2014 | 9:14 pm
    Lenders that let you spend over your credit limit, and charge you for it. Do you often spend over your credit limit? If the answer is yes then you’re probably familiar with credit card overlimit fees. It’s when you to spend over your credit limit, even by as much as a dollar or two, either [...] The post Spending over your credit limit appeared first on Compare Australian Credit Cards and Offers.
  • The Low Rate Credit Card from American Express

    Jeremy Cabral
    26 Mar 2014 | 3:00 pm
    Features of the Low Rate Credit Card American Express is offering cardholders a range of features with this card that make it a viable option to consider. Annual fee. The card comes with an annual fee of . Balance transfer offer. American Express is offering a balance transfer rate of for up to months, with [...] The post The Low Rate Credit Card from American Express appeared first on Compare Australian Credit Cards and Offers.
  • Citibank Signature Rewards Credit Card

    Elizabeth Barry
    3 Mar 2014 | 2:48 am
    Features Promotional balance transfer rate. If you have an existing balance you can bring it over to the Citibank Signature card for a low rate for up to months. Interest free period. Cardholders can enjoy up to days interest free on purchases. Additional cardholders. You can add up to four additional cardholders over the age of 16 for [...] The post Citibank Signature Rewards Credit Card appeared first on Compare Australian Credit Cards and Offers.
  • Compare Low Interest Rate Platinum Credit Cards

    Marc Terrano
    25 Feb 2014 | 10:11 pm
    Take advantage of platinum credit cards with all the bells and whistles, including competitive interest rates. There is something to be said about platinum credit cards and interest rates. While they offer complimentary insurance, lucrative rewards offers and travel benefits, it’s hard not to be enticed by the generous incentives these cards offer. But what [...] The post Compare Low Interest Rate Platinum Credit Cards appeared first on Compare Australian Credit Cards and Offers.
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    Good Financial Cents

  • GF¢ 025: Top 6 Mistakes That Will Screw Up Your Retirement

    Jeff Rose
    13 Apr 2014 | 11:48 am
    No one likes to get screwed. It’s not a fun feeling and personally it irritates the crap out of me. But what happens when you screw yourself? That’s definitely not cool! I’ve been a financial advisor for over 12 years now and I’ve seen plenty of people screw themselves out of a successful retirement. The most frustrating aspect on my end is that many of it could have been avoided if the person took a little bit of time to review their situation. Fact: More people spend time planning their family vacation than they do preparing for retirement. Don’t be one of…
  • IRS Gifting Rules for 2014

    Jeff Rose
    11 Apr 2014 | 11:15 pm
    The holiday season is already behind us but that doesn’t mean you still can’t give the perfect gift. In the financial world, the term gift has a whole new meaning as it pertains to estate planning. Many investors look to “gift” a portion of their estate to prevent having to pay a hefty estate tax down the road. If you want the bottom line about the gifting tax here it is: If you make gifts to friends or family that is large enough, there is the possibility that you may owe the federal government some tax money. Of course, you probably want more information about the…
  • Changes to the Child Tax Credit for 2014

    Jeff Rose
    9 Apr 2014 | 10:19 pm
    If you’re like me, you like to get every tax credit that you can. Why not, right? It’s like buying something that you know you are going to have to buy, and having a coupon for it. It would be silly not to use it. The only problem with tax credits is that it’s hard to keep track of them all. One such credit is the Child Tax Credit. Here are the rules behind the tax credit of 2014; see if you qualify. Who Can Claim the Child Tax Credit? Families who earn under $130,000 a year and have one or more dependent children under the age of 17 may take advantage of the Child Care Tax…
  • GF¢ 024: How to Buy Back More of Your Time With Outsourcing

    Jeff Rose
    9 Apr 2014 | 1:34 pm
    Chris Ducker is the outsourcing king. He runs an outsourcing company that helps small business owners grow their business, and has also automated his own business to “buy back” more of his time, so he can spend it doing what he loves. In short, Chris Ducker is my hero. Summary: Chris Ducker moved to the Philippines, set up a successful business as an outsourced call center. After deciding to blog about the process of becoming a virtual CEO, a comment on one of his posts gave him the idea to create http://www.virtualstafffinder.com , to help people find quality virtual assistants.
  • 50 Experts Share Their First Investment Ever

    Jeff Rose
    7 Apr 2014 | 12:08 pm
    “You don’t have to be great to start, but you have to start to be great.” ~ Zig Ziglar To be good at anything, you have to first get started.  This applies to investing as well. Before I made my first investment, I knew nothing about investing.   Heck, I really couldn’t even explain what a mutual fund was. I shared this in GF¢ podcast Ep. 21 which reveals how clueless I was when it came to investing. The biggest takeaway, though, is that I wouldn’t be where I am today with my investments had I not bitten the bullet and taken that first plunge. In this roundup post, 50…
 
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    Wallet Blog

  • Save money on in-state tuition? Not so fast…

    Lynn B. Johnson
    21 Mar 2014 | 3:20 pm
    Posted by: Lynn B. JohnsonMy friend Kathy was living in New England when her 18-year-old son, Scott, decided to attend a four-year college in a neighboring state. Scott’s grandparents lived in the town where his college was located, so Kathy, Scott, and the grandparents decided that it would be most prudent for Scott to live with his grandparents through his freshman year of college. Once Scott had lived with his grandparents for 12 months, he would be eligible for tuition at the in-state rate. This would equate to nearly $10,000 dollars for each of Scott’s sophomore, junior, and senior…
  • Mark Your Calendars With These Dates to Stay Compliant!

    Guest
    15 Aug 2013 | 2:17 pm
    Posted by: GuestDeborah Sweeney CEO, MyCorporation.com  Forming an LLC or incorporating your business is an excellent idea when it comes to protecting and legitimizing your company, but it does require that you jump through a few more regulatory hoops. Different states have different laws and regulations, but for the most part every state has deadlines in place that you need to remember. You’ve spent a lot of time and money forming your business and choosing the right business entity, so it would be an absolute shame to fall out of compliance all because you forgot about a deadline.
  • When –and why—to Cash Out Your 401k

    Lynn B. Johnson
    25 Jul 2013 | 6:24 pm
    Posted by: Lynn B. Johnson401(k) plans are a great vehicle for saving for retirement. Typically, an employee can choose to allow an employer to contribute a portion of his or her salary to the plan. Some employers might even match those contributions. The 401(k) contributions are invested in funds that might include money-market, mutual, or bond funds. You are not taxed on 401(k) funds until you withdraw money from your plan. And, while it is your money, there are consequences to withdrawing money from your 401(k) before you reach age 59 and ½. Penalty-free withdrawals are available if you:…
  • Energy Audit: Worth the $100?

    Lynn B. Johnson
    18 Jul 2013 | 1:25 pm
    Posted by: Lynn B. JohnsonMy husband and I bought a 1950s-era home last year and sank quite a bit of money into updating it. Even though our contractor and my husband have added rolls and rolls worth of insulation to our home, our utility bills have been higher than reasonable: particularly our gas bill in the winter (for heating) and our electric bill in the summer (for air conditioning). We’ve gone through parts of our home squirting “Great Stuff” insulating foam sealant into the visible cracks but what more could we do? At our wits end to determine just where the heat/AC was leaking…
  • Selling a Domain Name with Escrow.com

    Lynn B. Johnson
    2 Jul 2013 | 11:25 am
    Posted by: Lynn B. JohnsonWhile we would never recommend domain-name speculation as a no-risk avenue toward untold profitability, it has been known to happen. Last week, I sold a domain name I’d had for 15 years to an interested buyer.  He didn’t know me, and I didn’t know him, so we needed to find a way to keep our own interests protected through the process. I’d sold a domain name a few years ago, and used Escrow.com to facilitate that process. It worked very well, so I recommended to last week’s buyer that we use that service. He agreed. Escrow.com is an online service that…
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    Cash The Checks

  • 5 Ways To Make Life Insurance More Affordable

    Edwin C.
    8 Apr 2014 | 12:20 am
    It seems like every year the price of well, just about everything goes up, but wages remain the same. It’s not just groceries, gas and home prices that increase, but also the cost of insurance and other things that responsible adults have to buy. Life insurance is a great example of something that gets more expensive as you age. Young people often pass on life insurance, especially if they don’t own a home or have a family. Once you get married, all of a sudden it becomes important to make sure those you love are covered financially in the event of a catastrophe. If you think that life…
  • Should Homeowners Prepay Their Mortgages?

    Edwin C.
    29 Mar 2014 | 1:23 pm
    Paying off a home mortgage is a wonderful milestone of adulthood. It allows homeowners to rid themselves of one of life’s biggest debts. It’s natural to think about doing this ahead of schedule to save on interest payments and reduce debt. Why wait 10, 20 or 30 years for the financial and emotional freedom that mortgage-free living could bring? Paying off mortgages early is absolutely the right decision for some homeowners, but not for everyone. Before taking the plunge, examine existing debt, savings and future life expenses. Living debt-free is not the most important factor in a…
  • 4 Home Improvements That Will Save You Money

    Edwin C.
    24 Mar 2014 | 10:47 pm
    TV shows and commercials make home improvement projects look fun, but that’s anything far from the truth. Because of the work required in DIY projects, many home owners put off basic repairs and other projects that can save them a lot of money in the long run. If that sounds like you, it’s time to stop procrastinating and finally take care of some home improvement projects that can actually save you money in the long run. The Basement For those that live in a humid climate, installing a dehumidification system can be a cost-saver. Getting rid of the humidity in the basement will make your…
  • How To Save On The Cost Of A New Phone

    Edwin C.
    16 Mar 2014 | 1:51 pm
    The iPhone 5 and Samsung Galaxy SIII are slogging it out for the title of smartphone champion of the world and it’s no surprise that millions of us want to get involved. But both can be expensive, especially if you haven’t reached your upgrade yet. Here are some tips for lessening the financial blow of your new phone. Thanks a bundle Move your mobile, internet, landline and satellite to one provider and you’re bound to be rewarded with a bundled service discount. Most networks offer plans which allow you unlimited calls to those on the same network or free calls to the people you speak…
  • 9 Painless Ways To Cut Costs On Fitness

    Edwin C.
    19 Feb 2014 | 10:18 pm
    If you’re hoping to lose some weight this year, you probably don’t want to only feel lighter in your wallet. Instead of spending all of your money on expensive fitness memberships and products, look for ways to cut costs while sweating away the inches. Follow these 9 tips to save money on your fitness costs. Compare Costs Between Gyms Most towns have more than one gym available, so shop around and see what each has to offer. If you really prefer one over the other, ask them to meet the price at the competition. Always approach negotiations in person as you are much more likely to strike a…
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    Financial Highway

  • How to Get the Best Gas Mileage for Your Buck

    Guest
    16 Apr 2014 | 4:25 am
    According to Gas Buddy, you have to go all the way back to 2010 to find a time when drivers paid under $3 for a gallon of gas in the U.S. Given this upward trend in gas prices, it’s no wonder so many people are thinking about ways to improve their vehicle’s gas mileage. Here are seven strategies for getting the best gas mileage for your money. Know Your Starting Point Even though owner’s manuals or dashboard displays may offer you a specific fuel efficiency level for city and highway, many people feel these numbers overstate your car’s gas mileage. So, figure it out…
  • Top 8 Ways to Prevent Financial Loss

    Guest
    15 Apr 2014 | 4:00 am
    When dealing with financial loss, plenty of us will experience serious problems in the short and long run. While not always easy to avoid, if you employ a proactive approach and take steps to protect you and your loved ones, you can avoid problems. Here are the top eight ways to prevent financial loss. Insurance: You need to carry home, health and car insurance. If you rent, you need renter’s insurance. With adequate coverage, you will protect you and your family in case of a serious catastrophe. Otherwise, with one car accident or health scare, you can lose plenty of money and end up in…
  • Step 1 For Setting Up Your Future: Getting Your Finances in Check

    Guest
    1 Apr 2014 | 4:00 am
    When you want to get your finances in order, you will face an uphill battle if you do not have a plan. While this is true, if you devise a smart strategy, you will enjoy long-term success and will not deviate from your plan. While this sounds easy, it is not always the case. Here is a short guide to get your finances in check by organizing your bill pay functions. Online options: Without a doubt, if you want to pay your monthly bills on time and without taking a long time to send a letter and fill out the envelope, you should head online. When doing so, you can make payments on time and…
  • How to Get the Most Out of Your Tax Return – Tips for Tax Time

    Ray
    31 Mar 2014 | 4:00 am
    Every Canadian wants to pay less tax. And the common goal at tax season is to claim every credit and deduction to minimize the tax bite. There are some simple steps you can take to reduce your tax liability. Missing a deduction or making an error means you are paying the taxman too much. Cleo Hamel, Senior Tax Analyst with H&R Block Canada offers the following tips on how to make the most of your tax return: File a tax return even with no income: There are benefits like the GST/HST Benefit and the Canada Child Tax Benefit (CCTB) that are calculated based on your last tax return filed.
  • Why You Should Maintain Your Career Network — And How To Do It

    Miranda
    3 Mar 2014 | 3:00 am
    They say that who you know sometimes matters more than what you know or how hard you work. While hard work and knowledge can help your career, it’s also important to network. Maintaining your career network — even when you currently have a job — is vital in the current economy. Reasons to Maintain Your Career Network One of the most important reasons to maintain your career network is the fact that you might not have the same job your entire life. There are estimates that indicate that many people go through at least seven careers over the course of a lifetime. Not only…
 
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    Credit.com

  • Who Is Fair Isaac?

    Christine DiGangi
    16 Apr 2014 | 9:01 pm
    FICO is one of the best known names in the credit industry — it’s practically synonymous with credit scoring, despite the existence of hundreds of other scoring models. The first general-purpose credit score (Beacon at Equifax) came from FICO in 1989, effectively transforming the consumer lending landscape to heavily incorporate predictive analytics. Anyone who has applied for a loan or credit card is probably aware of how important this is. Your credit score could be the difference between approval and denial or low or high interest rates on a loan. When consumers hear the full name…
  • Rep. Cathy McMorris Rodgers: Equal Pay Is Just the Start

    Cathy McMorris Rodgers
    16 Apr 2014 | 9:01 pm
    If there’s one thing Washington is exceptionally good at, it’s politicizing the personal. In the past few weeks, the ongoing debate over “equal pay for equal work” has typified this type of unfair politicization – this time with women – and instead of working together on solutions to empower American women, it has only perpetuated false accusations. The President and his Democratic colleagues continue to perpetuate the myth that Republicans do not support equal pay for equal work. This could not be further from the truth. As a woman myself – one who worked at the McDonald’s…
  • What Credit Cards Should I Avoid?

    Jason Steele
    16 Apr 2014 | 9:01 pm
    Between television commercials, and advertisements on the Internet and in your mailbox, there is no shortage of information about credit cards. But when it comes to determining which one you should get, a pretty good place to start, when sorting through the hundreds of cards on the market, is to eliminate those you should avoid. With so many different credit cards available, there are right and wrong cards for each different kind of credit card user. So first figure out what type of credit card customer you are, and then be sure to avoid these cards. If You Carry a Balance Between one-half…
  • Sen. Elizabeth Warren: Why Equal Pay Is Worth Fighting For

    Elizabeth Warren
    16 Apr 2014 | 9:01 pm
    I honestly can’t believe that we’re still arguing over equal pay in 2014. When I started teaching elementary school after college, the public school district didn’t hide the fact that it had two pay scales: one for men and one for women. Women have made incredible strides since then. But 40 years later, we’re still debating equal pay for equal work. Women today still earn only 77 cents for every dollar a man earns, and they’re taking a hit in nearly every occupation. Bloomberg analyzed Census data and found that median earnings for women were lower than those for men in 264 of…
  • Student Debit Card Provider Facing Investigation Over Hidden Fees

    Christine DiGangi
    16 Apr 2014 | 9:01 pm
    The Federal Reserve Bank of Chicago is investigating Higher One, the leading issuer of campus debit cards, and one of its former bank partners for potentially engaging in unfair or deceptive practices. The debit cards allow students to access their financial aid refunds directly through the card, as opposed to waiting for a check from their financial aid offices, then depositing the checks into their bank accounts. Higher One mentioned the investigation in its annual report to the Securities and Exchange Commission and referred to a bank partner regulated by the Chicago Fed. Issues with…
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    StepChange MoneyAware

  • The MoneyAware taste test: risk it for a (chocolate) biscuit?

    Rachel
    16 Apr 2014 | 7:34 am
    It’s the battle of the biscuits! Ah, the humble chocolate biscuit. What can be more sublime than making a nice cup of tea (or coffee, if that’s your thing…) and dunking a delicious disc of chocolatey goodness into your brew?  That statement alone is enough to spark fiery debate at MoneyAware HQ. “You dip chocolate biscuits in tea?” Pavan gasped. “What are you, some kind of savage?” Not to mention that several people on our team swear blind that you can tell no difference between a famous brand of chocolate biscuit and a no-name brand chocolate biscuit. With choccy…
  • March debt news – know your rights

    StepChange MoneyAware
    7 Apr 2014 | 8:07 am
    March debt news March came and went and with it the official start to summer. While we wait for the sun, here’s this month’s debt news… Bailiffs are dead, long live bailiffs From April 6th bailiffs are getting a name change. They’ll be forever known as enforcement agents.  This is part of the changes to bailiff law which intends to make the whole process clearer and easier to understand.  Much of the legislation has remained the same for hundreds of years. Medieval language will be replaced with plain English terms and terms like ‘warrant of execution’ will be dropped.
  • What help can I get towards my childcare costs?

    Pavan
    7 Apr 2014 | 2:28 am
    They’re totally worth it! The big events in life keep getting more and more expensive. Owning a house, getting married, travelling the world, having kids, even learning to drive and owning a car is becoming too expensive. Most people would consider a house to be the biggest expense you’ll ever have, but recent figures have shown that childcare costs are similar to the average annual UK mortgage payment (which was estimated at £7,207 in 2012). This, along with the statistic that it costs an average of £227,000 to raise a child could be enough to put anyone off having kids…but as we…
  • How can I reduce my childcare costs?

    Pavan
    7 Apr 2014 | 2:25 am
    Choose the right childcare for you and your child There are so many options out there when it comes to childcare. Having recently been through the turmoil of entrusting the most precious thing in my life into the hands of relative strangers, I totally empathise with anyone having to do the same! No matter what you choose, it’s important that you plan early. There may be waiting times if your area is oversubscribed so thinking ahead will help to ensure that you’re not forced into making a decision. You’ll ultimately go with your gut instinct and what you feel is best for you and your…
  • 6 truths about debt I’ve found from working at StepChange Debt Charity

    Matthew
    2 Apr 2014 | 2:00 am
    Peer, Pav and Mat back in the early days of the MoneyAware team As this is my last blogpost for MoneyAware and my last day as an employee of StepChange Debt Charity I wanted to sum up what I’ve learned in my six years working here. I started at the height of the credit crunch, and debt was a subject on everyone’s lips. In my time here the economy has been in turmoil and there’s been a squeeze on wages that has affected most people. My first job in the charity was as an IVA drafter in our sister company StepChange Voluntary Arrangements (this was in the days when the charity was known as…
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    freemoneywisdom.com

  • The Essentials of Silver Investing Under New Fed Leadership

    Jon the Saver
    7 Apr 2014 | 4:31 pm
    The following post is by David Parker from www.easy-forex.com. Silver investing is a great way of entering the commodities markets as it allows traders to diversify their investment portfolio with a safe haven asset. It also has the added attraction as it goes through periods of volatility giving great trading opportunities. With the change of chair of the US Fed we could see some interesting trading for silver. Since the beginning of the latest global financial crisis in 2008, the number of investors who went in search for alternative investments grew dramatically. The downhill slide of…
  • Four Mistakes I Realized after Years of Blogging

    Jon the Saver
    3 Apr 2014 | 10:04 am
    I’ve been blogging for some years now and during that time I’ve seen plenty of ups and downs. I’ve seen projects come and go, bloggers start and stop, and revenues grow and crash. I guess if they say hindsight is 20/20, then this is that time when it all makes sense. What I want to do in these following items is to share some of those mistakes I’ve made and hopefully help you avoid disruptions that could cloud your blogging horizon. 1. You can get too involved There is a dilemma at this time in my years of blogging: I’m in too deep. Those first few months (and years) are kind of…
  • How Studying Online Can Save You Money

    Jon the Saver
    27 Mar 2014 | 1:05 pm
    Online learning has become a very popular option because it is so accessible and easy to work into your schedule. There is no need to commute or change your work schedule to take an online class, and you can generally study at your own pace. However, there is one perk of online learning that is often overlooked: substantial financial savings! Compared to traditional brick-and-mortar classes, online courses save you money in several ways: Back to School Shopping- If you’re studying at home, there’s really no need to stock up on a back-to-school wardrobe. Other than a new pair of…
  • Looking Ahead: Five Types of Insurance That Save You Big in the Long Run

    Jon the Saver
    18 Mar 2014 | 12:11 pm
    Insurance is a necessity to safeguard your assets. In the event of a car accident, fire, or medical emergency, having insurance is a way to make sure you don’t have to cover the costs yourself. So what kind of insurance policies should you have? These five types of insurance are important for everyone. Automobile Insurance At least some level of auto insurance is required in all U.S. states, but you should consider purchasing more than the minimum liability insurance. If you are involved in an accident that causes injury or property damage, you could face an extremely costly lawsuit. Even…
  • Making Big Profits with a Powerful Shopping Cart

    Jon the Saver
    13 Mar 2014 | 9:29 am
    Making Big Profits with a Powerful Shopping Cart More and more people are using the Internet to take part in one of the greatest wealth creating opportunities, running their own business. But making big profits right away isn’t always easy, and with positive cash flow crucial for a small business to cover original startup costs and overhead expenses, many small business owners can get overwhelmed. Many are so focused on doing what they need to cover their expenses now, they tend to overlook things they could do to grow profits in the future. All small business owners have the resources…
 
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    Help Me To Save

  • Check Minimum Monthly Payments on 0% Balance Transfer Cards

    Karen Bryan
    15 Apr 2014 | 12:01 am
    With cashback earned on a couple of my credit cards falling, I’ve been investigating if I could earn more by going for a 0% balance transfer card with a long 0% period and a low transfer fee. Every month, I either pay off the credit card balances in full, or for my 0% interest on […]Check Minimum Monthly Payments on 0% Balance Transfer CardsHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #78

    Karen Bryan
    11 Apr 2014 | 11:27 pm
    The My Money Podcast #78 summarises the recent articles below. listen to ‘My Money Podcast: #78: Recent Articles Roundup’ on Audioboo Subscribe to the My Money Podcast from Help Me To Save in iTunes Nationwide Regular Saver Cash ISA - This account pays a variable interest rate of 2.5% and is suited to savers who […]My Money Podcast #78How to save money. Copyrighted content published on Help Me To Save.
  • Would a ‘Two Together’ Railcard Save You Money?

    Karen Bryan
    11 Apr 2014 | 12:02 am
    There’s a new kid on the block in the railcard stable – the ‘Two Together’.  This new rail discount card offers two people travelling together one-third off most rail tickets on off-peak services for an annual fee of £30. The ‘Two Together’ railcard is not transferable, as it has photos of both holders on the […]Would a ‘Two Together’ Railcard Save You Money?How to save money. Copyrighted content published on Help Me To Save.
  • Barclaycard’s New Cashback Credit Cards Worse for Some Customers

    Karen Bryan
    9 Apr 2014 | 12:00 am
    Barclaycard is withdrawing my current World Mastercard Card (formerly an Egg card), which pays a very straightforward 1% cashback on all purchases, with no annual fee. It’s being replaced with a two card set-up; a Barclaycard Cashback American Express Card paying 1% cashback and a Barclaycard Cashback Visa Card paying 0.5% cashback. It’ll be one […]Barclaycard’s New Cashback Credit Cards Worse for Some CustomersHow to save money. Copyrighted content published on Help Me To Save.
  • Nationwide Regular Saver Cash ISA

    Karen Bryan
    8 Apr 2014 | 3:28 am
    The Nationwide Regular Saver Cash ISA account, paying a variable interest rate of 2.5%, allows you to save up to £1,250 per month. If you deposit the maximum every month, then you’ll reach the new ISA (NISA) limit of £15,000, to be introduced on 1 July 2014, by the end of the current tax year […]Nationwide Regular Saver Cash ISAHow to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Should I Pay With PalPal or Credit Cards?

    lindsay
    17 Apr 2014 | 1:16 pm
    Technology has reached the point where numerous payment providers hope you’ll choose their product to pay for that widget you just purchased. Let’s see if there’s any advantage to paying with PayPal over credit cards, or vice-versa. Fees: How PayPal and plastic stack up When you charge your credit card for an item, you do not incur any fee. The merchant will get hit with an interchange fee, which is the price of doing business. That fee hovers around 2.9%. PayPal charges about the same. If, however, you elect to have PayPal pay your merchant by charging the money to your credit card…
  • What Do I Need to Open a Bank Account?

    John
    17 Apr 2014 | 11:42 am
    Opening a bank account can be a confusing and intimidating process, especially if it’s your first time. However, you can make the process a whole lot smoother if you are prepared beforehand with the documents and information you’ll need.
  • Should I Use My Retirement Account to Pay Off My Debt?

    lindsay
    17 Apr 2014 | 11:08 am
    When you have a lot of high-interest credit card debt, it can be tempting to liquidate your assets and pay it off once and for all. But before you withdraw your dedicated retirement funds, you need to understand the costs. Should you withdraw your retirement funds early? Short answer — no! Longer, clearer answer — even if your credit card interest rates are higher than your tax rate, it’s almost never a good idea to withdraw your retirement savings early. Here’s a rundown of the types of retirement accounts you may have and the costs you’ll incur if you withdraw from them before…
  • Save at the Ballpark with Credit Union Discounts

    NerdWallet
    16 Apr 2014 | 12:51 pm
    The baseball season has begun, meaning it’s time to break out those caps, grab a bag of sunflower seeds and head over to the ballpark to root, root, root for the home team. Here at NerdWallet, we work in an office up the street from AT&T Park, home of the San Francisco Giants, and we really feel the excitement on game days. Unfortunately, it’s not always so easy—or affordable—to attend a game. Major League Baseball’s average ticket price ticked up 2% this season to $27.93, the sharpest rise since 2009. If you happen to be a Boston Red Sox or New York Yankees fan, you’re…
  • Priceless: A Good Reason to Opt for a MasterCard?

    lindsay
    16 Apr 2014 | 12:33 pm
    Credit card companies are always coming up with new ways to convince us to use their products. It can be hard to figure out which promotions are worth pursuing and which ones we should ignore. For example, the Priceless campaign from MasterCard is gaining traction. But is Priceless a good reason to get a MasterCard? Let’s dig into the details to find out. History of Priceless A good commercial can do wonders for a company, and MasterCard struck gold in 1997 with the Priceless ad campaign. The first Priceless commercial featured a father and son at a baseball game. Its brief storyline…
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    Card Hub

  • Ask The Experts: Evaluating the CFPB’s Final Rule for Stay-at-Home Parents & Credit Cards

    Odysseas Papadimitriou
    16 Apr 2014 | 4:52 am
    Say what you will about the NRA and the AARP, the most powerful lobby around might be that of motherhood.  Just think:  public pressure from women’s groups in the interest of stay-at-home mothers actually led the Consumer Financial Protection Bureau to go back and tweak the landmark CARD Act of 2009 – legislation enacted to reform the personal finance landscape. The Change That Sparked a Movement You see, the CARD Act contained a so-called “ability-to-pay” clause which required banks to abandon the long-held practice of evaluating household income and personal debts in making credit…
  • Ask the Experts: If I Could Make One Change to the Tax Code, I Would…

    John Kiernan
    14 Apr 2014 | 10:15 am
    In this edition of our “Ask the Experts” series, we at Card Hub surveyed authorities on tax policy from around the country about how they would choose to alter the tax code in an ideal world. With tax season in full swing, the economy still floundering, and the federal government’s budget mess yet unresolved, it seems that no one is immune to money woes these days.  That’s not likely to change anytime soon either, what with Congress acting like kids on a cross-country road trip and the economic recovery doing its best impression of the University of Maryland mascot. We can still…
  • 2014 Credit Card Landscape Report

    John Kiernan
    8 Apr 2014 | 5:17 pm
    CardHub’s quarterly credit card landscape reports take the pulse of interest rates, rewards and fees across the credit card market. This analysis unearths market trends of great significance to consumer sentiment, banking industry operations, and our overall economic stability and can be leveraged by consumers and industry professionals alike. Q1 Main Findings Data & Graphs Other Years’ Reports Q1 Main Findings Interest Rates Credit card interest rates were higher across the board during the first three months of 2014 relative to the same period last year – rising an average of…
  • What is a Good Credit Score?

    Odysseas Papadimitriou
    27 Mar 2014 | 12:07 pm
    The FICO credit score is what most banks and lenders use, and anything in the 660-720 range is considered a good credit score under the FICO model (the higher the better). However, there are more than 1,000 different types of credit scores, and they often utilize different score ranges. So, what’s a good credit score under one model might not be considered good under another. For example, 700 would denote good credit if it’s from FICO but would be below the good credit score range of the Vantage scale. The chart below shows the breakdown for the two most popular credit scores. Why is Good…
  • Ask the Experts: How Can We Improve Financial Literacy in the U.S.?

    John Kiernan
    27 Mar 2014 | 10:23 am
    Despite signs of economic recovery, it seems like the list of problems standing in the way of a secure financial future for the U.S. is getting longer by the day. From out-of-control student loan debt and habitual consumer overleveraging to Medicare insolvency and an overcomplicated tax code, we clearly have a lot to figure out in a political landscape that’s far from conducive to progress. Underpinning, and perhaps exacerbating, all of these problems is the disturbing lack of financial literacy in this country. Far too many people know far too little about personal finance, and our poor…
 
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    Forex Research Blog

  • GBPUSD: Tests The 1.6819/22 level, Eyes Further Upside

    FXTechstrategy Team
    17 Apr 2014 | 3:58 am
    GBPUSD: GBP remains bullish strengthening further on Wednesday and targeting further upside. Though seen strengthening during early trading today, it requires a break and hold above the 1.6819/22 level to create scope for more gains. The pair needs to decisively break and hold above here to trigger further bullish offensive towards the 1.6877 level. Further out, resistance resides at the 1.6900 level where a break will aim at the 16950 level and then its big psycho level at the 1.7000 level. Its daily RSI is bullish and pointing higher supporting this view. On the downside, a failure to break…
  • CRUDE OIL: Turns Lower, Vulnerable

    FXTechstrategy Team
    16 Apr 2014 | 11:40 am
    CRUDE OIL: With the commodity reversing its intra day gains during Wednesday trading session, it faces the risk of further downside pressure. On further weakness, support comes in at the 102.94 level where a breach will aim at the 102.04 level. A cut through here will target the 100.68 level with a push below here if seen will expose the 99.93 level with a violation targeting the 99.81 level. Further down, supports are seen at the 98.86 level and then the 98.00 level. Conversely, resistance comes in at the 104.98 level. A breach of here will pave the way for a run at the 105.21 level, its Feb…
  • GBPUSD: On The Offensive, Closes In On The 1.6819/22 Levels

    FXTechstrategy Team
    16 Apr 2014 | 3:23 am
    GBPUSD: With GBP recovering higher and threatening the 1.3819/22 levels, further strength is envisaged. The pair needs to decisively break and hold above here to trigger further bullish offensive towards the 1.6877 level. Further out, resistance resides at the 1.6900 level where a break will aim at the 16950 level and then its big psycho level at the 1.7000 level. Its daily RSI is bullish and pointing higher supporting this view. On the downside, support lies at the 1.6719 level where a breach will aim at the 1.6683 level with a cut through here allowing further downside towards the 1.6600…
  • What’s Motivating Your Trade?

    FXTechstrategy Team
    15 Apr 2014 | 3:15 pm
    Harry heard himself say, “What the heck is happening?” He was watching the YM E-mini price action on the 5 minute chart as it surged upward, appearing about to take him out of his trade and he felt an overwhelming anxiety-driven urge to move his stop-loss. Harry had identified a significant fresh supply zone on the 60 minute chart. Additionally, he had used his odds enhancers to calculate that it was a high-probability opportunity. As the trade was being planned, he felt an excitement come over him due in part to the fact that he had experienced a three trade draw-down recently and…
  • AUDUSD: Weakens, Vulnerable To The Downside.

    FXTechstrategy Team
    15 Apr 2014 | 7:43 am
    AUDUSD: With AUDUSD remaining weak and vulnerable in a corrective mode after losing steam at the 0.9460 level the past week, further downside pressure is envisaged. Support lies at the 0.9334 level where a break will aim at the 0.9303/7 levels. A reversal of roles as support is likely to occur. Further down, support comes in at the 0.9250 level followed by the 0.9200 level where a break will turn focus to the 0.9166 level. Resistance resides at the 0.9460 level where a break will aim at the 0.9500 level and subsequently the 0.9550 level. All in all, the pair remains biased to the upside on…
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    CreditDonkey

  • Study: Happiest Cities in California

    15 Apr 2014 | 12:00 am
    California is home to some of the coolest industries - and by extension, some of the coolest jobs - in the world. But it’s still hard to drag yourself out of bed every morning if the pay isn’t that good, the job itself isn’t that fun, and the office is boring. That reality goes double in California, where for many residents, the commute to work involves a clogged eight-lane freeway filled with angry drivers who have 45-plus minutes before getting to their destination.
  • Study: Happiest Cities

    14 Apr 2014 | 12:00 am
    People often dream of escaping to the “big city” to pursue their dreams of being actors/rock stars/writers/corporate raiders. The idea is alluring, after all: power lunches at fancy restaurants, memberships at country clubs, hobnobbing at big galas - they’re all part of the fantasy.
  • Study: Happiest Small Cities

    7 Apr 2014 | 12:00 am
    Does this version of a day in the life of an unhappy worker sound familiar? You drag yourself out of bed at 6 a.m. and sit in traffic for an hour while you listen to off-color morning-radio DJs named Crazy Al and Goober. When you finally get to work, you think about how little money you’re making and that you can’t get a job anywhere else, because there are no good job openings where you live. Before you know it, your boss starts giving you a hard time and has you making copies. Then, of ...
  • Study: Most Generous Cities

    3 Apr 2014 | 12:00 am
    Famous author Mignon McLaughlin once said, “We’d all like a reputation for generosity, and we’d all like to buy it cheap.” In other words, if you throw just a penny in the Salvation Army bucket at Christmas, can you get away with calling yourself kindhearted?
  • The Donkey in the Lion's Skin

    1 Apr 2014 | 12:00 am
    While you might initially impress people with new, expensive clothes, eventually your true nature will shine through. Better to spend wisely than to spend just to impress others.
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    Rhonda Sherwood

  • Can You Save for Retirement and Help your Adult Children Too?

    Rhonda Sherwood
    14 Apr 2014 | 5:48 pm
    When children are grown up, parents provide food, shelter, and the resources they need to grow up to be responsible adults. We assume that our children will grow up, leave the nest and strike out on their own at some point. They will finish their education, establish their own families and we’ll have a quieter, emptier nest to deal with. For this generation, the reality has not been like that at all. According to reports, 60 percent of parents are providing financial support to their children well into adulthood. In some instances, these young adults are still receiving money from their…
  • Why You Should Introduce Your Adult Children to Your Financial Advisor

    Rhonda Sherwood
    9 Apr 2014 | 2:03 pm
    Even though we have become more open about many subjects, the topic of money is one that many of us find difficult to discuss, even when our children have grown up. You should introduce your adult children to your financial advisor once you have established a good working relationship. It will benefit all of you. Let’s say that you have covered all of your financial bases properly and you have made a will and you have a power of attorney in place. You know the details of your estate and your assets and where all of your accounts are held. You have also thought about where you would like to…
  • Three Tips to Spring Clean Your Financial House

    admin
    17 Mar 2014 | 5:00 pm
    As soon as the temperature starts to warm up, we start to think about cleaning out those those cobwebs hiding all the nooks and crannies of our homes. And although our intentions start off really well, somehow we always find an excuse to dodge the hefty job of cleaning our “financial house”. This is usually the largest and most cluttered area that we need to sort through. How to Spring Clean Your Financial House Here are three simple strategies to help make decluttering and reorganizing your financial papers a less daunting task: 1. Preparation First, we must understand what makes…
  • Is Your Financial Plan Flexible Enough to Include Caring for Your Elderly Parents?

    admin
    10 Mar 2014 | 3:05 pm
    If you are caring for your own children and your elderly parents, you are not alone. Welcome to the Sandwich Generation – and you’re in good company. According to a survey conducted by Ipsos-Reid, one in three Canadians between the ages of 45 and 60 are caring for older family members. The brunt of this unpaid caregiving falls squarely on the shoulders of middle-aged women. Statistics Canada has released figures which show that women within this age group are spending 26.4 hours a month caring for an elderly parent. Given these figures, the question becomes not will you be looking…
  • What Should You Do With Your Tax Refund?

    admin
    3 Mar 2014 | 1:28 pm
    Do you remember the good old days when spending our tax refund frivolously wasn’t such a big deal? Our jobs were stable, house values seemed to be on a never-ending climb and the stock market was booming. Well, we are all feeling a little less certain about our financial stability these days; our portfolios have been beaten up, the wealth in our homes have taken a blow and on top of all that, we are worried about our jobs. There is a lot of insecurity and fear out there and spending our tax refund on a great vacation or a new flat screen TV may not be the best choice. What To Do With Your…
 
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    Recent Blog Posts

  • Filing Bankruptcy without Your Spouse in California, Part 2

    10 Apr 2014 | 11:07 pm
    In my last blog post I discussed how, in a community property state like California, property in a marriage is either "community property" or "separate property," and how those types of property are treated if only one spouse files bankruptcy. The couple's entire community property is included in the individual spouse's bankruptcy (not just that spouse's half of it), as is his or her separate property. The bottom line of that last blog post was that filing bankruptcy individually (instead of both filing jointly) generally only makes sense—at least from a…
  • Filing Bankruptcy without Your Spouse in California, a Community Property State: Property Issues

    9 Apr 2014 | 4:19 pm
    IF BANKRUPTCY IS A FEDERAL COURT PROCEDURE, WHY DOES CALIFORNIA LAW MATTER? Even though the U.S. Constitution gives the federal government the power "to establish . . . uniform laws on the subject of bankruptcies throughout the United States" (Article 1, Section 8, Clause 4), state laws still have a tremendous role in how bankruptcy cases work. For example, state laws to a large degree govern the basic rights between debtors and creditors, and also the rights between spouses. As a result, it is state law that determines under what circumstances a creditor of one spouse can force…
  • Can I Buy a Vehicle During a Chapter 13 Bankruptcy?

    6 Mar 2014 | 5:36 pm
    Chapter 13 "adjustment of debts" is an incredibly good tool for dealing with many situations, often much better than Chapter 7 "straight bankruptcy." If you owe income or property taxes, are behind on child support or your mortgage, have a second mortgage or vehicle loan you have trouble paying, or any other situation not handled well by Chapter 7, you definitely want to check out the potential benefits of Chapter 13. HOW FLEXIBLE OR RIGID IS CHAPTER 13 GENERALLY? The immediate downside of Chapter 13 is that it generally lasts 3 to 5 years—in contrast to the 3 to 4…
  • Four Potential Steps to Take in California against a Creditor Violating Fair Debt Collection Law

    7 Feb 2014 | 6:24 pm
    My last blog post was about what creditors and collection agents are allowed and are not allowed to do under the federal and California Fair Debt Collection Practices Acts. There is no doubt that some debt collectors violate these laws. WHAT CAN YOU DO ABOUT IT IF CREDITORS OR COLLECTION AGENTS VIOLATE THE LAW? You can take action in one or more of four ways: 1. File a complaint with the California Attorney General's Public Inquiry Unit, for violations of the California Fair Debt Collection Practices Act (CFDCPA). 2. File a complaint with the Federal Trade Commission, for violations of…
  • What Are the Ways that Creditors and Collection Agents May, and May NOT, Contact You in California?

    7 Feb 2014 | 5:44 pm
    WHAT DOES THE "FAIR DEBT COLLECTION PRACTICES ACT" SAY ABOUT THIS? To start, there are both a federal Fair Debt Collection Practices Act (FDCPA) and a California one (CFDCPA). They both prohibit abusive, deceptive, and unfair methods of collecting debts. Neither eliminates debts like bankruptcy does, but instead these laws protect you from inappropriate collection behavior. In practice, if a creditor violates one of these sets of laws, you may be able to use that as leverage to settle the debt on much better terms. Creditors and collectors in California have to comply with both the…
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    The Penny Hoarder

  • 5 Unusual Ways to Make Money in Your Backyard

    Steve Gillman
    16 Apr 2014 | 5:49 pm
    One of the most efficient strategies for making money is to use what you already have in new and profitable ways. For example, if you own your home you can rent out a room, taking in long-term tenants for steady income or renting it out for short periods for quick cash. I made tens of thousands of dollars renting out bedrooms in my first home and paid off my mortgage quickly. Okay, that’s inside your home. Now how do you use the property outside in new and profitable ways? Here are five examples of how to make money in your backyard. Rent Out a Shed Years ago, in Michigan, I built a…
  • How to Sell Used Stuffed Animals for Extra Cash

    Steve Gillman
    16 Apr 2014 | 3:45 pm
    While camping at some hot springs in Arizona my wife and I watched a man arrive and unload large plastic bags onto the roof of his van, apparently to free up space inside for camping. That evening we talked to him and discovered the bags were full of stuffed animals. He told us he made $4,000 in one month selling used stuffed animals on the side of the highway. Later, when we were flea market vendors, stuffed animals were one of our best sellers. We bought them at thrift stores for less than $3 (sometimes just 25 cents), and sold them for $2 to $12 each. Are you interested? Then you should…
  • 23 Expert Ways to Save on Your Gas Bill

    Steve Gillman
    8 Apr 2014 | 7:50 am
    Filling up the gas tank is a thoroughly miserable experience. My wife and I recently bought a minivan and watched the gas pump tally roll past $70 for the first time (ouch). We’ve gathered the best tips on how to spend less on gas from various experts. You can save hundreds of dollars on gasoline by using even a few of these twenty-three suggestions. 1. Share Rides If you live near your co-workers, and have similar schedules, take turns driving so you can all drive less each week. 2. Check Tire Pressure Having tires underinflated can lower your gas mileage by 0.3% for every 1 psi,…
  • This Might Be The Craziest Budget Advice You’ve Ever Heard….

    Kyle Taylor
    4 Apr 2014 | 8:40 am
    I’m sorry to say that I’ve always felt like most of the personal finance advice on the internet seems to be lacking in reality. I love people like Suze Orman and Dave Ramsey, but the idea that cutting out Starbucks from my budget is going to magically make me a millionaire is ridiculous. When I was rolling pennies to pay my rent, you can bet your ass I wasn’t thinking about Starbucks. I’ve since fixed my broken budget and I’m well on my way to saving for a prosperous retirement, but I didn’t get there with the normalfinancial advice out there. I had…
  • How to Make $150 & Get a Free Lunch By Going to “Fake” Jury Duty

    Steve Gillman
    3 Apr 2014 | 3:11 pm
    I was paid $150 for a day’s work as a surrogate juror a couple month’s back. Ironically a few weeks later I was sent a real jury notice, and it said, “Jurors will be compensated $15 for each day in court.” For “fake” jury service I was not only paid ten times as much, but I got snacks and a nice lunch! Of course this was a live session, as opposed to online surrogate jury service, and that’s an important distinction. Let’s look at both types, but first let’s answer the question some readers will have by now…   What is a…
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    Consumer Help Central

  • The Investing in Student Success Act – A Dangerous Idea

    Jay Fleischman
    17 Apr 2014 | 3:00 am
    A new measure proposed by Sen. Marco Rubio (R-Fla.) calls for employers to help fund higher education through so-called income share agreements. Under these agreements, as discussed in The Investing in Student Success Act, the employer would fund someone’s education in exchange for a percentage of the employee’s income for a set period of time after graduation. It all stems from an idea put forth by the economist Milton Friedman about 60 years ago – at a time when jobs were plentiful, industrial expansion was in full swing, and the world was a happy place. The idea was for…
  • Why A Student Loan Lawsuit May Be Good News

    Jay Fleischman
    15 Apr 2014 | 3:00 am
    If you’re behind on your private student loans, being sued may be the best thing to happen to you. The client called in a panic, looking for a lawyer to defend a student loan lawsuit that she’d received the previous evening. $78,000 due as a result of a failed attempt to get through graduate school, the amount was laughable for someone barely making ends meet in Los Angeles. She needed help, and fast. Her anxiety and fear was palpable. By the end of our consultation, the client was grinning ear to ear. A Student Loan Lawsuit Is Not A Judgment Most people who are being sued…
  • 6 Critical Traits You Should Demand From Your Bankruptcy Lawyer

    Jay Fleischman
    4 Apr 2014 | 3:00 am
    Beyond experience, what should you look for in a bankruptcy lawyer? When I first started practicing bankruptcy law, my clients didn’t seem to know what to expect of me. They told me stories of meeting with other bankruptcy attorneys in their quest to get some help, and what they’d experienced. First there was the story of the attorney who had put his desk on a thick concrete slab so he could look down on his clients. Then there was the one another the lawyer who stared at his computer screen the entire time, never looking at the person sitting in front of him. And the attorney who…
  • 12 Steps To Beating Private Student Loan Companies At Their Own Game

    Jay Fleischman
    2 Apr 2014 | 3:00 am
    You probably think you’ll be dealing with your private student loan debt for the rest of your life. Before I began to practice in the field of student loan law, I would have agreed with you. And even now – after having done this work for awhile – sometimes I know it feels hopeless. And if you don’t start playing by a different set of rules, you’re correct in thinking that private student loans are a financial death sentence. But turn the tables on the private student loan companies and you’ve got a fighting chance. In fact, the odds are stacked against…
  • Why I’m Not The Cheapest Bankruptcy Lawyer (And What Happened When I Was)

    Jay Fleischman
    31 Mar 2014 | 3:00 am
    The most dangerous thing you can do when hiring a bankruptcy lawyer is to go with the least expensive one. When I first open my law firm and started to practice bankruptcy law, I figured it would be a good idea to charge less than anyone else in town. I called around to every lawyer’s office, found out what they charged, and set my legal fees $50 below the cheapest one in the city. In doing so, my thinking went, I could undercut the market and get all the clients. What could possibly go wrong? The Least Expensive Bankruptcy Lawyer My brilliant plan in order, I set about conquering the…
 
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    The Personal Blog of John Rothe

  • Global Asset Allocation Strategy Update – April 2014

    John Rothe
    2 Apr 2014 | 8:55 am
    April 2014 update to the global asset allocation strategy 2014, so far, has been a volatile and choppy market here in the US. Global investors have begun to look outside the US for value opportunities – specifically within PIIGS countries (Portugal, Ireland, Italy, Greece and Spain). This has caused a change in leadership within the model – and may be the start of a global shift in investors’ portfolio allocations. Below is an update on my global asset allocation model, including changes and a few key highlights. How the strategy performed in March:   Italy continues to…
  • A Couple of Quick Thoughts On Current Market Conditions

    John Rothe
    13 Mar 2014 | 12:41 pm
    As I write this, the market continues its decline for the week with the Dow being down nearly 250 points. Is it time to worry, or is this just a pullback in a rising market? Well, I wanted to share a couple of items I am currently looking at: Market Trend The longer-term trend in the market is still up: Until this upward trend is broken, we are experiencing normal volatility in a trending market. Volatility levels have barely flinched:   Many look towards the “VIX” (aka the fear gauge) as a measurement of fear and worry in the markets. Typically levels below 20 are very…
  • How To Turn Your Kid Into A Millionaire

    John Rothe
    7 Mar 2014 | 9:07 am
    Somehow, I have friends whose kids are about to graduate from college this year (time goes by way too fast!). I started to think, what would I want my kids to know about after graduation? The “fun Dad” in me thought about visiting far-off lands and enjoying life. But the “math Dad” in me thought of something more practical — the magic of compounding interest. (Sorry kids.)   Retirement – The Bleak Outlook A theme among pre-retirees that is becoming more and more common is the lack of retirement savings. The average 50 year old has approximately $44,000…
  • Global Asset Allocation Strategy – February Update

    John Rothe
    24 Feb 2014 | 6:27 am
    Each month I like to post an update to our global asset allocation strategy. This month has been a bit busy and I am late to post the changes. Below is how the strategy performed in January - Overall, performance was rather dismal as volatility increased in global markets. However, in February, the model has bounced back a bit: Model testing and research done with ETFreplay Strategy Rules: The rules for the model are to examine a prescreened global ETF universe to find the top ten ETFs with the highest relative strength. Those 10 ETFs are then allocated equal weight within a portfolio, then…
  • Is The Stock Market Set For A Decline? – What To Watch For

    John Rothe
    3 Feb 2014 | 2:42 pm
    Flickr: B Rosen’s Shutter As the markets start off February with a decline, investors are starting to worry about the markets. I have been finishing up this month’s research topic and wanted to share a few thoughts to those who don’t want to read a lengthy research report. ARTAIS Signals First off, our ARTAIS models have been on a sell signal for equities. This started back in December when emerging markets started to raise a few warning flags. Emerging Markets (EEM) S&P 500 (weekly):   QQQ (weekly):   200 Day Moving Average Is Still Intact However, the…
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    Simple Debt-Free Finance

  • Save Money During Spring Cleaning

    admin
    15 Apr 2014 | 8:07 pm
    Like many Americans, Spring time means Spring cleaning and like many people you have heard about Swiffer products. If you are industrial cleansing buyer or even a domestic cleaner, Swiffer has one thing for you. Best of all, your best cleaner assist firm Swiffer offers you an opportunity to read more for less. That is from the Swiffer coupons. You can help to save a whole lot by permitting various quality merchandise that you might want for every day use in a lower fee. The Swiffer coupons allows you save whilst your home clean. Obtaining a Swiffer coupon means that one could entry a…
  • Top 5 Reasons to Invest in Gold

    admin
    19 Jan 2014 | 11:19 am
    Gold investment comes with a great deal of benefits. To start with, it is unique as compared to other asset investment. This is because it involves one of the most precious metals which is not found in most of the countries across the globe. Moreover, Gold is always of great value hence the best option for investment. Below are some of the key reasons why you should invest in gold: NEVER LOSES VALUE One thing you will like about gold is the fact that it does not lose value. Never at one time will you go at a loss while investing in gold. Research reveals that the value of gold either remains…
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    Thirty Six Months

  • PayPal Makes It Easy to Not Carry A Wallet Anymore

    Marissa
    14 Apr 2014 | 8:42 am
    There are very few luxuries that I have a hard time giving up- my Starbucks Canada App is one of them. Not only does it make is easy for me to track all my points (I’m a Gold Card member after all), but I don’t have to carry my wallet, or change when I step into any Starbucks location. I’m not saying that having change with you is a hard chore, but having the option to just walk into a coffee shop with just your smartphone is pretty awesome. This is where this post gets even better! PayPal is now making it easier for you to pay your bills at 50 locations with your PayPal…
  • 4 Jobs That Will Propel Your Finance Career

    Marissa
    14 Apr 2014 | 7:35 am
    Do you have what it takes for a successful finance career? The applicant pool is unfortunately large while the job pool is often small. That doesn’t mean you can’t find happiness in the career of your dreams, however.  The following four jobs aren’t glamorous, but they all function as stepping-stones that just might propel you to the next level of your finance career. Volunteer Work Volunteer work is a great way to get a leg up against the competition in any field. Job seekers can post their volunteer credentials on LinkedIn in the Volunteer Marketplace section. By…
  • Let’s do your taxes ( A Giveaway)

    Marissa
    19 Mar 2014 | 1:17 am
    Ah, taxes! It’s one thing to  pack all of our receipts and T4’s and head to an accountant, and completely other thing if you tackle doing them yourself. Perhaps it’s the personal finance nerd in me, but I find doing taxes exciting! Don’t get me wrong, doing your taxes can be a very scary thing, especially if it’s your first time filling them yourself. Most of that fear is most likely rooted in not understanding tax laws. I get it, the code is can make anyone’s head spin, but trust me – it’s a lot less complicated than you think. I’ve been doing my taxes since…
  • Tips for Choosing the Right Running Shoes

    Marissa
    18 Feb 2014 | 6:30 am
    Have you run so much that you have just worn through your old running shoes? Whether you run in marathons, train for local 5Ks or just jog to stay in shape, no shoes are going to last forever. You do not want to keep running in the same pair for too long, or they could grow very uncomfortable, and they may even lead to injury. When you go to get a new pair, though, it can be hard to know what you should buy, especially if you loved the old shoes and you need to find something else that you like just as much. These tips can help you choose the right ones. 1. Check to see if the sizing charts…
  • 5 Easy Ways to Feel Accomplished: Make 2014 Your Happiest Year Yet!

    Marissa
    17 Feb 2014 | 9:09 am
    We all know that feeling. Your boss congratulates you on a great idea, you hear back about an amazing job offer, and suddenly, you’re walking on sunshine. Feeling like you are on top of your game can do wonders for your self-esteem, your emotional health, and your work ethic. These moments of triumph are therapeutic and rejuvenating, but they can take months of hard work and stress to obtain. Fortunately, there are several simple ways to boost your moral this year without exhausting yourself in the process. Below are just 5 of the many ways to feel great about yourself in 2014.  …
 
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    Thirty Six Months

  • PayPal Makes It Easy to Not Carry A Wallet Anymore

    Marissa
    14 Apr 2014 | 8:42 am
    There are very few luxuries that I have a hard time giving up- my Starbucks Canada App is one of them. Not only does it make is easy for me to track all my points (I’m a Gold Card member after all), but I don’t have to carry my wallet, or change when I step into any Starbucks location. I’m not saying that having change with you is a hard chore, but having the option to just walk into a coffee shop with just your smartphone is pretty awesome. This is where this post gets even better! PayPal is now making it easier for you to pay your bills at 50 locations with your PayPal…
  • 4 Jobs That Will Propel Your Finance Career

    Marissa
    14 Apr 2014 | 7:35 am
    Do you have what it takes for a successful finance career? The applicant pool is unfortunately large while the job pool is often small. That doesn’t mean you can’t find happiness in the career of your dreams, however.  The following four jobs aren’t glamorous, but they all function as stepping-stones that just might propel you to the next level of your finance career. Volunteer Work Volunteer work is a great way to get a leg up against the competition in any field. Job seekers can post their volunteer credentials on LinkedIn in the Volunteer Marketplace section. By…
  • Let’s do your taxes ( A Giveaway)

    Marissa
    19 Mar 2014 | 1:17 am
    Ah, taxes! It’s one thing to  pack all of our receipts and T4’s and head to an accountant, and completely other thing if you tackle doing them yourself. Perhaps it’s the personal finance nerd in me, but I find doing taxes exciting! Don’t get me wrong, doing your taxes can be a very scary thing, especially if it’s your first time filling them yourself. Most of that fear is most likely rooted in not understanding tax laws. I get it, the code is can make anyone’s head spin, but trust me – it’s a lot less complicated than you think. I’ve been doing my taxes since…
  • Tips for Choosing the Right Running Shoes

    Marissa
    18 Feb 2014 | 6:30 am
    Have you run so much that you have just worn through your old running shoes? Whether you run in marathons, train for local 5Ks or just jog to stay in shape, no shoes are going to last forever. You do not want to keep running in the same pair for too long, or they could grow very uncomfortable, and they may even lead to injury. When you go to get a new pair, though, it can be hard to know what you should buy, especially if you loved the old shoes and you need to find something else that you like just as much. These tips can help you choose the right ones. 1. Check to see if the sizing charts…
  • 5 Easy Ways to Feel Accomplished: Make 2014 Your Happiest Year Yet!

    Marissa
    17 Feb 2014 | 9:09 am
    We all know that feeling. Your boss congratulates you on a great idea, you hear back about an amazing job offer, and suddenly, you’re walking on sunshine. Feeling like you are on top of your game can do wonders for your self-esteem, your emotional health, and your work ethic. These moments of triumph are therapeutic and rejuvenating, but they can take months of hard work and stress to obtain. Fortunately, there are several simple ways to boost your moral this year without exhausting yourself in the process. Below are just 5 of the many ways to feel great about yourself in 2014.  …
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • More States Join Investigation into Experian Data Breach

    Tom Kerr
    17 Apr 2014 | 8:37 am
    This week media outlets including Reuters and the Chicago Tribune reported that Iowa and North Carolina have joined Illinois and Connecticut in raising concerns about a data breach involving a subsidiary of Experian. The incident reportedly exposed confidential financial information including the social security numbers of some 200 million Americans. NBC News quoted a representative of the Illinois Attorney General who referred to it as a multistate investigation. The states involved are trying to determine whether or not businesses took appropriate steps and used sufficient measures to…
  • Scary “Heartbleed” Computer bug may put Millions of Consumers at Risk

    Tom Kerr
    16 Apr 2014 | 4:00 am
    Consumers have a new security vulnerability that is extremely worrisome, fast on the heels of several frightening data breaches including the one at Target stores that involved the theft of millions of credit card numbers. Computer experts in Finland, along with technicians at Google, announced that they have discovered a major security gap dubbed “Heartbleed.” What really distinguishes this threat from those seen in the past is that it cannot be fixed with anti-virus and malware-prevention software. That’s because the crack in the security system is not actually a virus, contrary to…
  • Citi to Celebrate Admirals Club Lounge Relationship

    Chris Mettler
    15 Apr 2014 | 4:00 am
    Just recently we wrote about new benefits Citi Executive cardmembers now get to enjoy thanks to an exclusive partnership between Citi and American Airlines and US Airways. In a nutshell, Citi Executive cardmembers get free access to 35 Admiral’s Club locations and to all 18 domestic US Airways Clubs, and they also have access to the oneworld® frequent flier program. Read the article for more information on their partnership. April Bonus = Free Access Citi must be really excited about this partnership because they just announced that all cardmembers–yes, even non-Citi cardmembers- can…
  • The Financial Advice of Benjamin Franklin Remains Highly Relevant Today

    Tom Kerr
    14 Apr 2014 | 6:58 am
    Benjamin Franklin is often referred to as “The First American” because he was a founding father of the USA and had a remarkably profound influence on shaping the nation. People often joke that Franklin is the only president of the United States who never actually held the office of president. Despite that fact, he definitely earned the right to his portrait on our $100 bills, if for no other reason than he was an exceptionally wise fellow when it came to managing his money. In today’s world he would merit an honorary doctoral degree in financial literacy, with maxims like “a penny…
  • Choice Privileges Visa Signature Card

    Tom Kerr
    14 Apr 2014 | 5:00 am
    Choice Hotels International, a large world-wide lodging company, currently franchises more than 6,300 hotels in 35 countries and territories. Some of the more popular hotels you may have stayed at include Comfort Suites, Quality, Sleep Inn, Clarion, Econo Lodge, Rodeway Inn, and others. Card membership with the Choice Privileges Credit Card, issued by Barclaycard, carries the many benefits that come with any Visa Signature credit card, which is one of the top programs when it comes to customer service and value-added perks. Let’s take a closer look at the benefits of being a Choice…
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    Argel Tiburcio

  • This Video Depicting How Much Time We Have (In Jellybeans) is Very Humbling, Especially When You Reach the 2-minute Mark

    Argel Tiburcio
    23 Mar 2014 | 9:15 pm
    How much time we have Watching this made me realize how short life REALLY is. Maybe I should watch this video everyday before I start the day, what do you think? Before I spoil anything, click the play button below: The video starts with one jellybean and ends with one jellybean. How did you feel while […] The post This Video Depicting How Much Time We Have (In Jellybeans) is Very Humbling, Especially When You Reach the 2-minute Mark by Argel Tiburcio appeared first on Argel Tiburcio.You... ...this is just an excerpt, you can read the full article at http://www.ArgelTiburcio.com
  • 5 No-Brainer Money Saving Tips That Call Center Agents Can Do Today

    Argel Tiburcio
    5 Mar 2014 | 5:00 am
    While Filipino call center agents enjoy a relatively high salary, they also need to learn how to save and invest their money. Most call center agents overspend on fast food, coffee, and cigarettes in order to stay in their stressful jobs. It’s important to develop good personal savings habits in order for Filipino call center […] The post 5 No-Brainer Money Saving Tips That Call Center Agents Can Do Today by Argel Tiburcio appeared first on Argel Tiburcio.You Might Also Like: My Earliest... ...this is just an excerpt, you can read the full article at http://www.ArgelTiburcio.com
  • 101 Awesome Facts About Billionaires All Around The World [Infographic]

    Argel Tiburcio
    28 Feb 2014 | 5:00 am
    Do you want to be a billionaire so FREAKIN’ bad? Well, here’s a great start for you! The folks from Addicted2Success recently posted the cool infographic below that exposes some pretty inspiring facts about the world’s billionaires. Top 10 Billionaires Personally, I happen to know something about 4 out of the top ten billionaires. Of course, […] The post 101 Awesome Facts About Billionaires All Around The World [Infographic] by Argel Tiburcio appeared first on Argel... ...this is just an excerpt, you can read the full article at http://www.ArgelTiburcio.com
  • What I Totally Got Wrong About Success and Happiness

    Argel Tiburcio
    1 Feb 2014 | 4:51 am
    Yes. I admit it. I was guilty of this very common mistake about success and happiness. I bet most people are making this mistake too. It’s this: In order to become happy, I need to be “successful” first. In fact, this concept is so deeply embedded in my brain that I am still in the […] The post What I Totally Got Wrong About Success and Happiness by Argel Tiburcio appeared first on Argel Tiburcio.You Might Also Like: How Money Can REALLY Buy Happiness [Infographic] How... ...this is just an excerpt, you can read the full article at http://www.ArgelTiburcio.com
  • Are You Up For This 30 Day Challenge?

    Argel Tiburcio
    30 Dec 2013 | 5:00 am
    Happy New Year! Cheers to 2014! I bet you now have your brand new list of “new year’s resolutions”, am I right? What will happen to those resolutions after a month? After a quarter? After 6 months? While another year comes to a close, you say to yourself “I’ll start next year!” Sounds familiar? Now, […] The post Are You Up For This 30 Day Challenge? by Argel Tiburcio appeared first on Argel Tiburcio.You Might Also Like: 7 Simple Steps to Achieving Your... ...this is just an excerpt, you can read the full article at http://www.ArgelTiburcio.com
 
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    Feeds : dailyworth

  • Don’t Want Your Identity Stolen? Better Do This

    14 Apr 2014 | 5:00 pm
    ID, Please Linda Foley of San Diego didn’t think twice about filling out the tax forms her employer handed her. That is, until a credit card company called her to confirm her change of address — and she hadn’t moved. That’s when she learned her employer had used her Social Security Number to get credit cards and a cell phone. The trauma of that experience — and the months it took to repair her credit — led Foley to start the Identity Theft Resource Center to help the millions of others trying to recover their identities, too. Identity theft costs…
  • Lessons From Secret Millionaires

    7 Apr 2014 | 5:00 pm
    Unexpected Fortunes Eugenia Dodson grew up on a Minnesota farm, the daughter of poor Swedish immigrants. Her childhood poverty affected her so profoundly that even in her old age, she refused to replace a stove with only one working burner — even though by then she was worth tens of millions of dollars. Dodson, who left nearly $36 million to the University of Miami when she died in 2005 at age 100, is just one of many secretly wealthy people who live quiet, frugal lives and then leave unexpected fortunes to charity. I’ve been collecting stories of such secret…
  • Why I Signed a Prenup (and You Should Too)

    3 Apr 2014 | 5:00 pm
    I was a teenager when I first heard the term “prenuptial agreement.” I asked my cousin what it meant, and she told me it was something a rich man asks a woman to sign to prevent her from marrying him just for his money. I was so intrigued by this concept that whenever I read about an older, wealthy man whose second (or third) wife fell into the “trophy-wife” category, I wondered if she had signed a prenup. Today, I am one of those second wives — although I am not young enough to be mistaken for my husband’s trophy wife, as we’re less than six years…
  • The Worst Money Mistakes You Can Make in a Marriage

    3 Apr 2014 | 5:00 pm
    Take Stock Each marriage has its own money dynamic. Some couples keep all their accounts separate and split the check when they go out for coffee; others pool everything from day one and make all financial decisions together. Sometimes there’s one spouse who handles all financial matters — from bill paying to taxes to decisions about investments, retirement savings and debt — leaving the other in (blissful?) ignorance. Others split financial responsibilities down the middle.  All of these models can work within the confines of a marriage, but some will put one…
  • Is Negative Thinking Keeping You From Getting Rich?

    31 Mar 2014 | 5:00 pm
    Be Positive While I like to think that I have a pretty healthy relationship with money — I save, I try to stick to a budget (key word: try) — I still have nagging negative thoughts about my income and what I choose to do with it. And I’m not alone. No matter our financial situation, we all have our money-related sore spots. From thinking “I’ll never pay off those high student loans” to the belief that we can only make money if we already have money, there are plenty of negative thoughts that seep into our subconscious and can hold us back…
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    Money Q&A

  • Win a Free Toshiba Chromebook from Money Q&A and CouponPal!!

    Hank Coleman
    14 Apr 2014 | 5:00 am
    Money Q&A is teaming up with the guys at CouponPal and a couple of other bloggers to giveaway a free Toshiba Chromebook to one lucky reader! Unlike regular laptops, the Toshiba Chromebook is completely web-based. There is no need to install software. It’s all on the cloud. A Toshiba Chromebook uses Google’s Chrome operating system. With Google Chrome OS, users have access to Google Drive and other Apps even when you’re not connected to the internet. You may remember CouponPal from previous articles here on Money Q&A. I’ve interviewed CouponPal’s…
  • Short Selling Stocks: Why You And I Should Probably Stay Away

    Hank Coleman
    31 Mar 2014 | 3:00 am
    For many investors, experienced and novice alike, the idea of short selling stocks can be enticing. You can make money investing even if the stock market is in a downturn. You can earn a profit on days when others are losing money. But selling a stock short can severely punish investors — especially if they don’t understand the risks. What Is Short Selling? You can win on a bet — no matter which way the stock is moving — as long as you’re guessing the right direction. Short selling allows you to invest in stocks even when you think that their share price will…
  • Ten Top Insurance Payouts In Recent Years

    Guest Contributer
    27 Mar 2014 | 3:18 pm
    Whether claims are due to natural disasters or man-made ones, the insurance industry has had several huge payouts to make over recent years. This list sums looks back at some of the biggest insurance payouts. The financial collapse – Billions There has not been a figure set in stone as to the amount lost in the 2008 banking collapse, but billions of pounds is a conservative estimate. While the exact figure may still be unknown, what is known is the knock-on effect of bailouts and unemployment has caused the insurance industry to lose out in a big way. Hurricane Katrina – £78 billion A…
  • How To Find Great Undervalued Stocks To Invest

    Hank Coleman
    24 Mar 2014 | 12:10 pm
    It’s not easy to find a great stock. In almost every case, investors have already priced good and bad news about the company into the stock’s share price. But every once in a while, the market misprices a stock. So how do you find these hidden gems? A company’s price-to-earnings ratio, or P/E, is one of the fundamental metrics that every stock picker should know. It’s is a great place for every investor to start when trying to find undervalued stocks to purchase. How to Calculate a P/E Ratio To calculate a company’s P/E ratio, simply divide the share price of a…
  • Why I Don’t Mind Losing Money As A Landlord

    Hank Coleman
    20 Mar 2014 | 5:02 am
    I have a confession to make: I lose money on my rental property every month. But I’m OK with that. I’ve got a long-term plan. Or I’m still delusional and hoping for a turnaround in the housing market. Either way, I stubbornly refuse to lose $30,000 in home equity by selling. I’d rather pay $300 a month out of my pocket in the hopes of hanging on to what little equity I have left. It’s a Renters Market Out There Much like a home buyer, a renter has a lot of purchasing power. It’s a pure case of supply and demand if there ever was one. There are simply more…
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    Creative Money

  • Download the April issue of #MoneyRebel Mag now!

    Mindy Crary
    15 Apr 2014 | 11:57 am
    Welcome to the fourth issue of Money Rebel magazine! I created this magazine to help women entrepreneurs see that just because their businesses (and money) are different than what they perceive to be the ideal—and far from perfect–doesn’t mean it’s bad.  What I am loving about this series is that we are seeing how success might not be what you originally pictured—losing your resistance to how things should be going is a huge part of building your business, and I hope my Money Rebels are inspiring you to get started or to get excited about working on the next phase of your business.
  • Do you choose intimacy or control in your money relationships?

    Mindy Crary
    7 Apr 2014 | 5:00 am
    I am a recovering control freak and codependent.  And throughout my earlier life, money was been a tool to tip the scales in my favor—because money can control others.  Even the lack of money can be used to control others (as in, see how much I am giving up to be with you?). Money Manipulation I realized I had created a world for myself where I had control, but no meaningful connections.  No true collaboration or support.  People were around because of what I could do for them, and not because of my intrinsic, lovable self.  That sucked.  So I changed. My entire network fell away. …
  • Are you at risk for a tax audit? (roundup)

    Mindy Crary
    31 Mar 2014 | 4:57 pm
    This week I decided to do a roundup of timely and relevant articles about your money and taxes!  What are the chances of a tax audit? Eighteen million calls to the Internal Revenue will go unanswered, and more than half of people’s letters will take over a month to respond to, according to IRS Commissioner John Koskinen via the Wall Street Journal last week.   But even though the agency is both underfunded and understaffed, it’s still ready to audit.  To make sure everything adds up, the Wall Street Journal offers some guidelines for avoiding and surviving the agency’s suspicious…
  • The truth about your tax return

    Mindy Crary
    18 Mar 2014 | 3:27 pm
    I do not prepare tax returns, nor do I play a CPA on TV.  But as a financial planner, I understand taxes and have been around enough to help with tax strategy.  And it’s that time of year when I want to punch financial services providers in the neck for making you freak out about your tax return.  The TV ads, warning you that tax mistakes add up to billions of dollars; the articles going over all of the potential deductions, making you scared you’re going to miss something.  The truth is, most of your tax story for 2013 was set in stone months ago, and there is very little you can do…
  • Download the March issue of #MoneyRebel now!

    Mindy Crary
    11 Mar 2014 | 4:01 pm
    Welcome to the third issue of Money Rebel magazine! I created this magazine to help women entrepreneurs see that just because their businesses (and money) are different than what they perceive to be the ideal—and far from perfect–doesn’t mean it’s bad.  What I am loving about this series is that we are seeing all kinds of paths to success—experimentation and forward momentum are a huge part of building your business, and I hope my Money Rebels are inspiring you to get started or to get excited about working on the next phase of your business. This month, my Money Rebel theme is…
 
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    Three Thrifty Guys

  • How to Negotiate for More Vacation Time

    Charlie
    16 Apr 2014 | 2:00 am
    In starting any new job, most people are worried about one thing. MONEY! In the my mind, Rod Stillwell’s request of Jerry Maguire is what I usually want to ask the hiring manager, “SHOW ME THE MONEY!!” In all the commotion of deciding to switch jobs often the other benefits are forgotten about. One of those important benefits to consider is vacation. When agreeing to a salary with a new company vacation time isn’t necessarily on your mind, and many companies will state upfront that “this is non-negotiable”. Or that all the other benefits are fixed and…
  • Does Walmart’s Savings Catcher Work?

    Aaron
    14 Apr 2014 | 2:24 am
    As I was listening to some tunes via Pandora last week, an ad for Walmart’s Savings Catcher came on. They advertised that you could enter your receipt into their new “Savings Catcher” app and if they find a competitor’s advertised price cheaper than what you paid for it at Walmart, they’ll actually refund you the difference in the form of an e-gift card. The idea sounded interesting, so I gave it a try on a recent short shopping excursion.  More about the Savings Catcher app My first impressions of their Savings Catcher were a bit mixed. “So, Walmart is…
  • 6 Ways to Save Money When Filing Your Taxes

    Rob
    11 Apr 2014 | 2:06 am
    Americans spend $140 billion per year to comply with the tax code – that’s a lot of money. And, although that figure may be enough to tempt you to look for ways to cut back on tax prep services, H&R Block reports that consumers who prepare their returns themselves leave $1 billion dollars in unrealized tax savings on the table. Where’s the middle ground, then? If you’re looking for ways to minimize your tax obligation and keep your precious cash out of the hands of accountants and tax prep professionals, check out these six tips.  1. File Your Return for Free…
  • Money Hiding Spots From The Great Depression

    Charlie
    9 Apr 2014 | 2:00 am
    After the Great Depression, it was hard for lots of people to regain trust in the banks and the entire banking system. Most banks during the depression were over leveraged and had almost 99% of people’s money lent out in car, consumer, and home loans. As a result, when people started losing trust in the banks, then people started running to the banks to get their money out. Understandably, people were “once bitten, and twice shy” from the affects of this tough economic time in our country’s history. As a result, people stopped saving their money in the banks, and…
  • What Do I Do With Damaged Money?

    Aaron
    7 Apr 2014 | 4:00 am
    The other day I found a coin on the ground and it was defaced so bad that I couldn’t make out what its value was. I’m sure you’ve come across a coin or bill that has been pretty damaged as well (be it cut, missing parts, water damaged, burnt, etc). So, what can you do with it? What is considered damaged currency? Via the Bureau of Engraving With most of us carrying plastic as our means of payment today – coming across damaged money is becoming less and less of an issue. And yet, this still happens to us. Perhaps we accidentally have a $5 bill sitting in with some…
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    Kitces.com

  • Is There A "Robo-Advisor" Bubble? Wealthfront, Betterment, & LearnVest Raise $95M In Capital In Two Weeks!

    Michael Kitces
    16 Apr 2014 | 4:01 am
    As the buzz around the "robo-advisors" continues, this week marks another two big announcements: Betterment has raised another $32M in a fresh round of venture funding, with another $28M for Learnvest, following on the heels of $35M from Wealthfront just two weeks ago. Collectively, the three platforms have raised a whopping $95M in just the past two weeks, with the total collective funding for the robo-advisor space approaching a quarter of a billion dollars. Yet despite all this focus, the actual business and revenue growth results for robo-advisors has been fairly meager, at least so far.
  • Sage Scholars Tuition Rewards - A "Loyalty Points" System For Providing Wealth Management Services?

    Michael Kitces
    14 Apr 2014 | 4:01 am
    As financial planning and wealth management become increasingly popular, advisors are increasingly experiencing a "crisis of differentiation" where it's difficult to distinguish themselves from the competition. This has not only slowed the organic growth rates of many advisory firms as it gets harder to generate referrals, but made client retention all the more crucial to maintain the revenue of an advisory firm. A new offering for financial advisors called SAGE Scholars offers a unique new way for advisors to offer a "client perk" that can help to support retention and potentially generate…
  • Weekend Reading for Financial Planners (Apr 12-13)

    Michael Kitces
    11 Apr 2014 | 12:07 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with a strong response from CFP Board chair Ray Ferrara to last week's rather harsh editorial from Financial Advisor magazine's Evan Simonoff, focusing on all the ways that CFP Board has been growing successful in recent years, and suggesting that many of the criticisms being levied at the organization are more about what the organization once was, rather than what it actually is today. From there, we have several practice management articles, including a good overview of what advisors…
  • Evaluating Exposure To The Alternative Minimum Tax And Strategies To Reduce The AMT Bite

    Michael Kitces
    9 Apr 2014 | 4:01 am
    While the American Taxpayer Relief Act of 2012 (ATRA) finally ended more than a decade of "temporary" Alternative Minimum Tax (AMT) patches and fixes that kept expiring and had to be renewed, the ultimate resolution of ATRA was not permanent repeal of the AMT. Instead, ATRA provided permanent "relief" by merely locking in the latest AMT exemptions from 2011, and adjusting the exemption - and everything else under the AMT system - for inflation going forward. As a result, high-income individuals continue to be potentially exposed to the AMT, depending on exactly what their income levels may…
  • XY Planning Network and the Future of Getting Paid For Financial Planning

    Michael Kitces
    7 Apr 2014 | 4:01 am
    For most of its history, "getting paid" for financial planning has really been about giving away financial planning at little or no cost and making it up from the income generated by implementing the recommendations of the financial plan, first through the sale of insurance and investment products, and more recently by providing ongoing investment management services. While this has allowed for the growth of many successful financial planning firms, it also opens the door to the risk that the plan will lead to the sale of inappropriate products, and limits access for financial planning to…
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    Epic Finances - Investment Blog

  • What’s the secret behind top-performing mutual funds? Just ask Joe Huber

    Carmello
    3 Apr 2014 | 6:15 pm
    When it comes to owning mutual funds, nearly half of the households in the United States own them today, according to the Investment Company Institute. Their “2013 Investment Company Fact Book” found that most of these families have their employers to thank, as 72% of households that have invested their money in them have done so through a sponsored retirement program from their employer. Indeed, one of the mainstays of retirement these days are mutual funds and there is a steadily growing number of funds to choose from.  While waiting back in 1940 there were less than 70 mutual funds to…
  • Calculate Retirement Age | When Can I Realistically Retire?

    Carmello
    31 Mar 2014 | 6:49 am
    There are about a hundred retirement calculators available online that supposedly make it simple to see just when you should retire. However, these calculators are really nothing more than simple adding machines. They have no powers to affect your completely individual situation. In fact, there’s no way that any of these calculators can do much more than show you what you already know to be true. 4 Factors That Determine Your Retirement Age (no calculators needed) When do you want to retire? How much do you want each year to live on? How long will you live after retirement age? How much…
  • Why are so many people Investing in ETFs?

    Carmello
    20 Mar 2014 | 5:13 pm
    Over the last few years there has been a great proliferation in ETF’s, both in the number and type that are being offered to investors. Indeed, approximately 700 new ETF’s have come into existence since 2010, which has created a much greater access for investors to a wider variety of asset classes. Since ETF’s trade on a major stock exchange they can, unlike mutual funds, be bought and sold during the trading day at any time. $188 billion was the net inflow last year of US listed ETF’s, just a hair shy of the record in 2012 of $190 billion, according to Morningstar, a financial…
  • Permanent vs Term Life Insurance

    Carmello
    16 Mar 2014 | 4:55 pm
    Though not many people like to discuss death, it is of course an unavoidable aspect of life. And whether you are able to come to terms with the concept of no longer being here, you’ll naturally want to be able to provide for your family after you’ve gone. As far as life insurance is concerned, there are two main ways to go about doing this. One is permanent or whole life insurance, the other is term life insurance. There are benefits and disadvantages to both, and your selection should be based on your personal situation. Term Insurance The chief benefit to term insurance is that…
  • Which Bond ETFs are Doing Well so Far in 2014?

    Carmello
    11 Mar 2014 | 3:00 am
    It’s well-known among investors that US equity markets have gotten off to a pretty rough start here in 2014. Because of that being the case, there is much higher interest in fixed income securities resurfacing this year. Almost all bond ETF’s struggled in 2013  to keep up with the quick pace of the equity market and, by the end of the year, many funds were in the red. Now that the Federal Reserve has begun to taper their massive bond buying purchases however, a lot of investors are beginning to return to this once coveted asset class. Fixed Income makes a Return Long heralded as key…
 
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    The Savvy Scot

  • Banking while living or traveling abroad

    Pauline
    14 Apr 2014 | 11:05 pm
    Credit As I have lived in 5 countries and travelled to over 70, people often ask me “how do you deal with money?”. Handling money is a bit different whether you are just travelling once or twice a year to a different country or living in one for extended periods of time, as an expat or retiring abroad.   Bless the Euro Since most of Europe adopted the Euro, life for travellers has been made much easier. In an attempt to unify banking transactions, with any French card you can withdraw Euros in any country where the Euro is the main currency, without any fee. Same thing for paying for…
  • Planning ahead for your summer holiday

    Pauline
    10 Apr 2014 | 11:20 pm
    Credit I am not a planner, more kind of a go with the flow person. But I love to travel, and stretch my hard earned cash further when I do. Which is why I always try to plan ahead for a holiday. No kids? Go in low season For summer holidays, there is peak season, which is from June to September, and super high peak which would be July and August, when all the kids are off school. Worst time ever to plan a cheap holiday. So if you are not stuck with those dates, around mid September you will have the beaches to yourself, and accommodations at a fraction of the price. It gets a little bit…
  • Being picky with your learning

    Pauline
    7 Apr 2014 | 11:20 pm
    Credit I talked recently about how you should be time conscious when trying to save money, and not get into a two hours project that would only save you pennies. One of my examples was fixing stuff, and doing your own things in general instead of delegating. I argued that if you are going to learn a skill, say how to fix a leak, to save the plumber’s fee, you have to factor in how many more times you will be able to apply that skill, to determine if your time investment is worth it. In the case of learning basic plumbing, you would spend a few hours watching tutorials, and maybe fix your…
  • When saving money, be time conscious

    Pauline
    3 Apr 2014 | 11:20 pm
    Credit Time is money, we all know that by now. For every 10 minutes you spend doing X, this is 10 minutes you do not get to spend on doing Y. For example, for 10 minutes you spend trying to SAVE money, you lose 10 minutes trying to MAKE MORE money. Now I often struggle to put a value on my time, as it abounds since I left my day job. However, unless I really enjoy the task (like making my own bread), I wouldn’t spend hours on an endeavor just for the sake of saving a little bit. Extreme couponing Extreme couponing is often pointed at for being a huge time suck only to save a few pennies.
  • Just a few days left to use your ISA allowance!

    Pauline
    1 Apr 2014 | 11:22 pm
    We will be short and sweet today, with a friendly reminder that the tax year in the UK is coming to an end on April 5th, so you only have a few days left to use up your ISA allowance. What is an ISA? For those of you who are not familiar with the Individual Savings Account, this is a tax free account where you can save up to  £11,520 for the 2013/2014 tax year, entirely tax free. That is a saving of 20% or 40% depending on your tax band, compared to a traditional savings account. ISAs work the same way a savings account do, you put money in as you want, and can generally withdraw as you…
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    I Need Money

  • Budgeting Your Business: Don’t Cut Here

    admin
    16 Apr 2014 | 2:21 pm
    When running a business, it is easy to cut expenses and believe you are helping your cause. While it is not difficult to cut costs, it is not easy to do so in an intelligent way. All too often, an entrepreneur will slash expenses and hurt the company. Here are five examples where you should not cut your budget. Appropriate insurance packages: If you run a business, you will eventually end up in court. An employee, customer or contractor will eventually try to take you to court over a trivial or non-trivial manner. With contractor liability insurance, you can avoid serious issues when this…
  • Overcoming Financial Hardships: 7 Steps Towards a Positive Future

    admin
    14 Apr 2014 | 2:16 pm
    Although there are several challenges that people will have throughout the course of their lives, dealing with a financial hardship can be a uniquely difficult issue to grapple with. Despite the difficulties that result from financial hardships, however, there are several strategies you can implement to ensure that a lack of money does not adversely affect your life. Here are seven steps you should implement to begin building a positive financial future for yourself: 1. Declaring Bankruptcy. Declaring bankruptcy can be a very effective way for you to overcome financial hardship. This is the…
  • How to Make the Most out of This Year’s Tax Refund

    admin
    24 Mar 2014 | 1:13 pm
    If you’re getting a tax return this year, you might be considering the best way to spend that money. However, a big tax return is an opportunity to invest in your future, so you should put some serious thought into how you spend the money. In their video, http://www.youtube.com/watch?v=q-jkuefjkiI, the specialists at Instant Tax Solutions recommend you “learn what your tax payer rights are and what tax relief programs you qualify for” to receive the most desirable tax results. Hiring a tax-solutions company is a great way to ensure that you get as much of your money back as…
  • My Future After Divorce: Do I Get Any Of The Retirement Fund?

    admin
    23 Mar 2014 | 1:33 pm
    Figuring out how to divide retirement assets during a divorce can be just as intense as determining child custody and child support. Young couples going through a divorce should be just as concerned about their retirement benefits as an older couple closer to retirement. Social Security, pensions, Individual Retirement Accounts (IRA) and 401-Ks are all up for negotiation since retirement assets obtained during a marriage are considered marital property. If a husband or wife had retirement accounts prior to getting married, some states consider these accounts as separate property and not up…
  • Money Management Tips for Students: Surviving in a Harsh Economic World

    admin
    19 Mar 2014 | 2:23 pm
    Student tuition fees have served as a huge source of controversy in recent times, primarily because their exaggerated rise since 2011 is deemed to be disproportionate to the quality of education available. Liberal Democrat leader Nick Clegg has moved to dispel the so-called myths surrounding student tuition fees, however, by suggesting that university remains an affordable option for students regardless of their background or chosen academic course. Rather than being an over-priced luxury, politicians are attempting to champion higher education as a crucial component of a thriving economy.
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    Zoho Blogs

  • 2 Ways Live Chat Can Enhance Your Customer Service

    Ambi Moorthy
    16 Apr 2014 | 7:05 am
    Landing a new customer is 5x more expensive than keeping an existing customer. How do we keep our customers happy? By providing outstanding support. LiveDesk let’s you delivers outstanding customer service and keeps your retention rates high. Let’s look at a scenario below that is all too typical in business. Riley and Karen, both customer service managers, are upset. One of their biggest customers is threatening to leave. José Pérez, the COO of B2B SellingStrategies, just complained of bad service during a critical time This is a pretty common conversation today.…
  • Work smarter (even while offline) with the new Zoho Writer for iPad

    Chinmayee Mishra
    16 Apr 2014 | 6:55 am
    The new native Zoho Writer for iPad app lets you create, edit and share professional documents anytime and while on the go. No Wifi? Work Offline With offline support, you can create and edit documents without going online. All the documents are automatically saved and can be exported in different formats. The Rich Editor Create documents quickly and easily with images, tables, lists and more using the simple and elegant Primebar, the toolbar that is placed above the keyboard. The app also supports external keyboards, for more convenient and quick typing.…
  • Check – in to your office with the Zoho People mobile app!

    Aarthi Elizabeth
    16 Apr 2014 | 1:12 am
    You can check-in and check-out your time directly from your mobile phone. With the Zoho People mobile time clock you can set IP restrictions to ensure control over where and when your employee clocks-in.  Combined with features like the easy buddy search and on-the-go colleague information (already available on the iPhone app), Zoho People for android goes above and beyond.    …
  • The Heartbleed Bug and Password Reuse, Recipe for Disaster

    Bala
    12 Apr 2014 | 11:10 pm
    - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - If you have the habit of using the same password everywhere, you are at risk for identity theft and a breach in post Heartbleed scenario.…
  • Customer Spotlight: Zoho Wins the CRM Battle and Helps Company Scale Up

    Arun
    10 Apr 2014 | 7:23 pm
    “It came down to Zoho or Salesforce, and ultimately I know I made the right decision” Four years ago, John Hood’s company, The Farm, was looking into finding a permanent CRM solution because the internal database they were using was “simply not cutting it and was ultimately hampering some of our sales efforts.” Hood explored a myriad of CRM solutions including Sugar, Goldmine, Salesforce, and Zoho. After a thorough exploration into CRM solutions, Hood made a decision on a CRM to go with, and hasn’t looked back since… The Business The Farm is a Professional Manufacturers’…
 
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    Money Estate - Personal Finance Tips Blog

  • 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 […]
  • How to get more from your car insurance

    Aira
    17 Mar 2014 | 1:34 am
    You face a number of choices when it comes to insuring your car. It is something you should take into account when buying the vehicle in the first place. The cost of insuring a large quality car is inevitably far greater than the cost of insuring a small second hand car. It’s a matter of […]
  • Is Investing Now Too Risky?

    Money Advisor
    15 Mar 2014 | 12:41 am
    Many people do believe that investing in the current climate is a risk not worth taking and I have to say I am in that category. Markets nowadays are far too volatile and the potential for immediate success is just not there. There are so many different things you can invest in and they all […]
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    Cult Of Money

  • The Secret to Getting Stuff Done: Practice Self Discipline

    Alexa Mason
    16 Apr 2014 | 1:15 am
    Practicing self-discipline in one area of your life will automatically impact all the other areas of your life. If you want to save more money you need self-discipline. If you want to start a business you need self-discipline. If you want to be a better parent you need self-discipline (and patience!) Practicing self-discipline is the key to molding your life into what you want it to be. But this is an area where many people struggle. So how exactly do you create the life you want? Try the following. Just Do It Procrastination is the arch enemy of self-discipline. By procrastinating we are…
  • 6 Ways to Teach Your Kids About Money (#2 is My Favorite)

    Alexa Mason
    9 Apr 2014 | 1:15 am
    We get a lot of our character traits from our parents – the good and the bad. The example you set now and the lessons you teach your child with stick with him for life. And if you want your child to grow up and be responsible when it comes to finances you need start teaching your child the value of money now. Here are six ways you can teach your kids about money. # 1 – Say No A Lot Going into a store with young kids is no joke. There’s something your little one wants in almost every aisle of the store and it is sooo easy to give in. But if you always give in your child will begin to…
  • 4 Tips for Living on a Small Income

    Alexa Mason
    2 Apr 2014 | 1:15 am
    I’ve been doing it for a while now – living on $1,600 a month. And living comfortably at that. I have always liked to keep my budget low and when I quit my day job last October I knew it was really important to keep my expenses in line. The good news is as my income starts to grow I can save or invest any money I earn over $1,600. I find that living on a low budget is actually a gratifying experience and anyone can do it. Whether you lost your job and need to downgrade your lifestyle or you just want to save and invest more money you can live on less. Here’s how. Find Cheap Housing If…
  • How to Prepare for a Mortgage

    Robert Farrington
    29 Mar 2014 | 5:22 pm
    Taking on a mortgage is a big step. And before you buy a home it’s important that you get your financial house in order. By planning ahead you’ll be able to get the best deal on a mortgage and you’ll improve your financial situation along the way. Here’s how you can prepare to buy a new home. Get Your Credit Straightened Out The interest rate you pay on your mortgage is the biggest factor in determining your monthly payment (other than the loan amount.) The lower your interest rate the lower your mortgage payment will be. In order to get a decent interest rate you’ll need to have a…
  • Declaring Bankruptcy: 5 Necessary Steps

    Robert Farrington
    28 Mar 2014 | 1:15 am
    If you have decided to file for bankruptcy, the good news is that the process may be easier than you imagined. Whether you file for Chapter 7 or Chapter 13 bankruptcy, there are some basic steps for the process. A bankruptcy attorney Doan Lawyers can help you manage the process and ensure that you fulfill all of the legal requirements for each stage. A bankruptcy lawyer will take the time to review your case file to ensure its accuracy and that you have filed all required documents with the bankruptcy court. Here are the five necessary steps that you should know are required for a successful…
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    PFhub - Business, Financial & Economic News

  • Industrial production rises higher than initial forecasts

    Andrew Moran
    17 Apr 2014 | 1:23 pm
    Following a harsh winter that saw the economy experience a downturn, new data indicates that industrial production in the United States is gaining some momentum as it rose more than what was forecasted in the month of March. The Federal Reserve released figures Wednesday that highlighted output at factories, mines and utilities increased 0.7 percent […]The post Industrial production rises higher than initial forecasts appeared first on PFhub - Business, Financial & Economic News.
  • German economy to grow nearly 2% this year, continue growth in 2015

    Andrew Moran
    17 Apr 2014 | 12:46 pm
    Germany’s Ministry of the Economy announced Tuesday that the country will grow by 1.8 percent and continue that growth by two percent throughout next year. Europe’s largest economy slowed down last year and grew by just 0.4 percent because of a paucity of investment by private firms and diminished exports. The greatest contributor to economic […]The post German economy to grow nearly 2% this year, continue growth in 2015 appeared first on PFhub - Business, Financial & Economic News.
  • Apple Inc. (AAPL) could see iOS rival Android smashed from within by Samsung

    Rhian Hunt
    17 Apr 2014 | 12:01 pm
    For years now, the smartphone mobile operating system has been fully dominated by just two players – Apple Inc. (NASDAQ:AAPL) with iOS, and Google (NASDAQ:GOOG) with Android. However, there are gathering signs that Android may soon by gutted from within by one of its principle users – Samsung, the Korean electronics firm whose sales far […]The post Apple Inc. (AAPL) could see iOS rival Android smashed from within by Samsung appeared first on PFhub - Business, Financial & Economic News.
  • New Trojan app named “Qadars” targeting Android phone users who visit Facebook

    Katrina Manning
    17 Apr 2014 | 11:45 am
    There is a new cyber threat for Android Facebook Inc. (NASDAQ:FB) users in the form of a Trojan app called Qadars. This is a new Tojan variant that introduces a JavaScript code directly into a users Facebook page when they open their browser. Qadars is especially dangerous as it incorporates a sophisticated code called iBanking […]The post New Trojan app named “Qadars” targeting Android phone users who visit Facebook appeared first on PFhub - Business, Financial & Economic News.
  • Report: Record amounts of gold and silver trading for bitcoin

    Andrew Moran
    17 Apr 2014 | 11:26 am
    Bitcoin has fallen a long way from its record high of nearly $1,200 late last year. Throughout the first quarter of this year, the digital currency has traded anywhere from $350 to $800 and many bitcoiners, even gold bugs, think it’s headed straight to the moon to as high as $100,000 per coin. According to […]The post Report: Record amounts of gold and silver trading for bitcoin appeared first on PFhub - Business, Financial & Economic News.
 
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    Squawkfox

  • Repair or replace: When does it make sense to mend the threads you’ve got?

    Kerry
    15 Apr 2014 | 9:19 pm
    Having trouble viewing this? CLICK HERE Repair or replace: When does it make sense to mend the threads you've got? Fashion, Saving There's a general rule for replacing stuff. Emotion can get in the way. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Where to download free eBooks for your digital device

    Kerry
    10 Apr 2014 | 6:59 pm
    Having trouble viewing this? CLICK HERE Where to download free eBooks for your digital device Saving The best legal places to download eBooks for free. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Should You Buy It? A flowchart for smart consumers

    Kerry
    7 Apr 2014 | 6:54 pm
    Having trouble viewing this? CLICK HERE Should You Buy It? A flowchart for smart consumers Saving A free download with a few fun questions. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Save 61% by brewing coffee with a K-Cup reusable filter

    Kerry
    3 Apr 2014 | 7:48 pm
    Having trouble viewing this? CLICK HERE Save 61% by brewing coffee with a K-Cup reusable filter Saving The environment will thank you too. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Would you buy H&M’s $99 wedding dress?

    Kerry
    26 Mar 2014 | 7:45 pm
    Having trouble viewing this? CLICK HERE Would you buy H&M's $99 wedding dress? Weddings A $99 wedding dress is an outstanding bridal bargain. Would you wear it for your wedding? 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

  • 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

  • Parents ‘Frozen’ Out of Merchandise From Hit Movie

    Mike Collins
    17 Apr 2014 | 4:46 am
    If you have young children who are experiencing Frozen-mania you’re probably sick to death of hearing them belt out the lyrics to “Let It Go” at the top of their lungs.  You may also be tired of hearing them beg for all the dolls, outfits, clothes, and stuffed animals of Elsa, Anna, and Olaf. Unfortunately you may be listening to their pleas for a long time as many parents are finding it utterly impossible to find any Frozen merchandise at all.  Stores everywhere are completely wiped out and if you check online auction sites like eBay you’ll find anything…
  • 12 Times It’s Okay To Be Cheap

    Mike Collins
    15 Apr 2014 | 8:12 am
    This morning I read an article on Yahoo Finance titled 12 Times Being Cheap is Totally Worth It.   The author shares 12 examples of items where you don’t need to spend a lot of money to get good quality.  I’m all for saving money at the supermarket whenever possible, and I also love shopping at Costco because there are so many great deals to be had. Below I have listed each of the 12 examples along with some thoughts of my own.   Shampoo.  I don’t put much thought into shampoo but my wife swears it pays to spend a little extra.  I’m fine with using whatever is on sale or…
  • Darth Vader’s Top 5 Tips For Saving Money

    Mike Collins
    7 Apr 2014 | 6:37 am
    Okay, I admit it…I’m a bit of a Star Wars nerd. I used to beg my dad non-stop for the newest Obi-Wan or Admiral Ackbar figures. And I completely wore out my VHS tapes of the original trilogy until they were virtually unwatchable (much like any of the prequels when Natalie Portman was not on screen). So as I sat brainstorming for new ideas to write about, I naturally wondered what the great Lord Vader would do to save some cash. I mean let’s face it, running a Galactic Empire isn’t cheap. And how embarrassing would it be to call home to Emperor Palpatine begging for beer money? So here…
  • Capital One 360 Online Savings Review

    Mike Collins
    2 Apr 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…
  • 5 Reasons an Online Business Beats Brick and Mortar

    Mike Collins
    1 Apr 2014 | 4:09 am
    A couple years ago a buddy of mine had a backyard birthday party for his son and a few of us were sitting at a table knocking down beers and talking about how quickly time flies by. Inevitably, the conversation turned to work and everyone started complaining about how much they hated their job and wished they could quit.  Right there at the party we started brainstorming business ideas and thinking of ways to escape the rat race. One guy wanted to start a hot dog stand.  Another wanted to buy a truck and ship furniture up from North Carolina to New Jersey.  Someone else suggested we all…
 
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    Bank On Yourself

  • Is Wall Street rigged?

    Pamela Yellen
    8 Apr 2014 | 4:48 pm
    How would you feel if you went online to buy something – for example, a TV that’s listed at $495.00 – but when you get your order confirmation and credit card statement, you realize you got charged $535.00 for it instead? When you inquire about the price hike, you’re given the run-around, but eventually you’re told that there was only one TV available at that price, and someone else bought it a split second before your order got processed. So they filled your order with the same TV at the then-available best price, which was higher. And, they remind you, they have an…
  • Scratchy toilet paper, lattes and retirement

    Pamela Yellen
    26 Mar 2014 | 4:36 pm
    My husband Larry and I hate scratchy toilet paper so much that when we travel, we pick up some “Charmin Ultra Soft” at a local store. Larry, who likes to be prepared for any emergency, even keeps a roll of his preferred cushy paper in the trunks of both of our cars. Larry says… You just never know when it’ll come in handy” (There are some questions you learn to stop asking…) So why am I telling you about our personal hygiene preferences? Last year, the Obama administration floated a proposal to tie already paltry Social Security cost-of-living increases to…
  • Are we living in the United States of Amnesia?

    Pamela Yellen
    12 Mar 2014 | 10:06 am
    It was announced last week that Americans’ wealth reached a record high, thanks to a surge in the value of stocks and homes. I’m sorry to be the bearer of bad news, but here’s a news flash: You haven’t made a penny in the stock market! We’ve been here before… Just like those glowing reports about how much Americans’ wealth had ballooned prior to the last financial crash, the new reports are pure fiction. Until you sell your assets and lock in your (hopefully) gains, you have nothing more than a bunch of eye-popping numbers on paper. Those numbers…
  • Bank On Yourself Revolution hits New York Times best-seller list!

    Pamela Yellen
    28 Feb 2014 | 1:45 pm
    I just found out my new book, The Bank On Yourself Revolution, hit #4 on The New York Times best-seller list the first week it was released! It also hit #1 on Amazon and the Barnes & Noble website. And it hit the USA Today best-seller list. Order your copy here today and save 27%! One week after the book was released, my publisher had to rush to do a second printing, because they said the book has been flying off the retailers’ shelves. I’m incredibly gratified by this response, as I poured my heart and soul (along with a lot of blood, sweat and tears) into this book.
  • The good, bad and the ugly of the new myRA

    Pamela Yellen
    20 Feb 2014 | 5:22 pm
    You’ve probably been hearing about the new “myRA,” a new government-run retirement account that President Obama unveiled at his State of the Union address and plans to create with a stroke of his pen. Its primary purpose is to offer a savings option to the 50% or so of U.S. workers who have no access to employer-sponsored retirement plans and have little saved for retirement. The appeal is that it “guarantees a decent return with no risk of losing what you put in,” according to Obama. Sounds okay so far, right? I did some digging into the details to understand…
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    DINKS Finance

  • Are you taking full advantage of your credit card?

    Kristina
    17 Apr 2014 | 2:00 am
    Credit cards can be the frenemy of consumers.  They can be your best friend if you use them wisely but they can also be your worst enemy if you aren’t financially responsible.  Using your credit card for smart purchases every month and paying it off in full saves money on interest payments.  It also helps maintain or increase your credit score. Take advantage of your credit card – don’t let it take advantage of you A smart credit card purchase comes two fold.  The first feature of a smart purchase makes sure the benefit is worth the cost and the second ensures you get a…
  • All’s Fair In Love And Real Estate: What To Know About Buying a Home With Your Spouse

    Kristina
    16 Apr 2014 | 2:00 am
    Good morning Dinks.  Are you thinking of buying a home this spring? Maybe you are buying a first home with your spouse or maybe you are thinking of upgrading.  Buying a home can be overwhelming and we want to make the process as easy as possible for you.  How can we do that?  By giving you some step by step tips on how to buy your next home. We sat down with Penelope Graham from Rate Supermarket and asked her what couples need to know about buying a home together.  What is the first step couples should take when they want to start saving together for a home if they have never talked…
  • Don’t pay full price for anything

    Kristina
    14 Apr 2014 | 2:00 am
    Good morning Dinks.  As you know I am headed off to New York City in a few days and I can’t wait.  Yesterday I was talking with one of my co-workers and she asked me “How can you afford to travel so much?”  The answer is simple.  I always look for the best deal. I absolutely love travelling.  I try to do it as often as possible and I can afford to do it because just like everything else in my life I do it on the cheap.  I don’t ever pay full price for anything in my life from massages and travel to clothing and home decor. Don’t wish.  Just do. I am not…
  • Weekly Recap: Tax Savings, Passions and TV

    Kristina
    11 Apr 2014 | 2:00 am
    Good morning Dinks and Happy Friday.  Well it’s the middle of April and it’s still not warm outside.  Is anyone else getting really restless as you wait for the warm weather to arrive?  It seems like spring is taking forever to come this year. As you read this my mother and two of my friends are boarding a plane (separately) to head to warmer climates.  Their last minute warm  weather getaways got me thinking…are more people taking their vacations earlier this year to get a break from the cold? Enjoy these posts from our friends: Barbara Friedberg – Tax Time Help:…
  • My Money Meltdown

    Kristina
    10 Apr 2014 | 2:00 am
      After yesterday I just want to put my head in the sand.  Have you ever had a bad money day?  Just one of those days when nothing, and I mean absolutely nothing, goes right.  Well yesterday I had one of those days and today I just can’t seem to let it go.  So what better way to get over something than talk about it to death. Today I feel like I have a bad money hangover.  My mood isn’t as bad as it was yesterday but the more I think about what happened I more upset I get.  I am just sitting here going over and over all the details of my day from 8 am to 10 pm piece by…
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    rVoice | rplan

  • Changes to Cazenove Funds

    26 Mar 2014 | 10:07 am
    On July 2nd 2013, Cazenove's fund management business was split from its parent company Cazenove Investment Bank and was acquired by Schroders Investment Management. As a result of this partnership you will notice that the name of any Cazenove funds you may hold in your portfolio were changed recently. You can view all recent changes to fund names on the Schroders site here. Schroders had assets under management worth £229.2bn in 2012, while Cazenove had £11.2bn. Schroders have stated that "As the two firms share established heritages, quality of investment product and client
  • How The Successful Got Started: Part 1

    21 Mar 2014 | 11:07 am
    I realise for many of us it would seem impossible to become billionaires, starting out from nothing. However, not all wealth is inherited. Some of the most successful investors have risen to success from humble beginnings. For first part of this series, I have taken a look at two similar well-known tycoons, who both started with nothing and used their entrepreneurial skills to make money - one in the US, and the other in the UK. Warren Buffett - Door to door sales and pinball machines Born in Omaha, Nebraska. 30th August 1930 (age 83) Buffett's keen interest in making and
  • New features

    21 Mar 2014 | 6:46 am
    We've been hard at work here at rplan HQ over the past few months. As a result, we have released a few new features to the rplan website: Monthly portfolio summary Soon, we will start sending you a summary of your portfolio every month. This new feature will help you stay on top of what is happening with your investments. The summary will contain a high level overview of how your portfolio is doing, and list all alerts that are currently active - this should help you quickly determine whether any of your portfolios needs your attention. If you’d prefer not to receive this, you
  • Updates to Cost Comparison

    12 Mar 2014 | 4:20 am
    On Sunday, we made a few changes to our charges comparison tool to keep it up to date with recent provider announcements: Chelsea FS have now announced their unbundled pricing model - this is a 0.2% per annum Cofunds charge plus a 0.4% Chelsea charge, total 0.6% per annum - using the clean share class funds that are available on Cofunds Hargreaves Lansdown have released a list of 26 funds on which they have negotiated preferential terms (i.e. a lower TER is available on 26 funds for Hargreaves customers.) Of the 26 funds that HL have obtained preferential terms, 2 of them are in
  • How to perform an end-of-term portfolio review

    24 Feb 2014 | 2:15 pm
    This article was originally posted at Every Investor by Andy Creak - rplan Director. The turn of the year is a very natural time to take stock. And making time to conduct an annual review of how your savings and investments are performing is an eminently sensible thing to do. But what does that mean in practice? The reality is that to produce any meaningful study of the way in which your investments are performing, you’ll need to make some comparisons. Performance is absolute – your portfolio will have risen or fallen by a specific percentage over the past 12 months, with each
 
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    Wallet Hub

  • Ask The Experts: Making Sense of Dynamic Pricing

    John S Kiernan
    16 Apr 2014 | 7:14 am
    Posted by: John S Kiernan Here’s a riddle for you:  What all-American seats go up and down and all around, bringing strangers peanuts and proximity in nearly all weather? The answer:  Tickets for an American Airlines flight and a Major League Baseball game.  You see, the airline industry and professional sports – American and MLB, in particular – have been innovative with their use of “dynamic pricing” in recent years, offering blueprints for other consumer-facing businesses to embrace the role of auction-based technology and big data in the modern buying-and-selling process.
  • Trend Investing Made Easy

    George Kesarios
    10 Apr 2014 | 1:45 pm
    Posted by: George Kesarios Is it possible to invest money and be successful at it, without knowing anything in particular about what you are investing in? In theory yes, and there are people who are successful in this style of investing. This school of investment thought says that everything is accounted for in the market at any point in time, therefore it is hopeless to try to outsmart the market based on fundamentals. And since the fundamentals are baked in the cake, why bother? The only think investors need to bother with is the trend. If the trend is up, you should be invested, and if it…
  • Infographic: The 2014 Masters Tournament By The Numbers

    John S Kiernan
    7 Apr 2014 | 12:50 am
    Posted by: John S Kiernan The number most significant to the 2014 Masters Tournament is undoubtedly 1.  It will be the 1st Masters since 1995 without Tiger Woods, the world’s No. 1 player, in the field.  And three individuals – Adam Scott, Henrik Stenson and Jason Day – actually have a chance to overtake Woods in the world rankings come Sunday. This just goes to show how much things have changed since 2005 – the last year Woods took home the green jacket.  Both the golf industry and the economy were riding high then, buoyed by the real estate market’s bubblicious growth.  But…
  • Ask The Experts: Inside the Household Budget

    Richard Serlin
    2 Apr 2014 | 8:28 am
    Posted by: Richard Serlin While the economy has been displaying begrudging improvement of late, there is still reason for concern at the household level – primarily when it comes to spending and debt.  The average household owes more than $7,000 to their credit card company, according to CardHub research, and outstanding student loan balances total well over $1 trillion.  What’s more, after displaying year-over-year improvement in credit card spending and payment habits –indicative of overall reliance on debt – in six out of the previous seven quarters, U.S. consumers added 8% more…
  • Avoiding Identity Theft: Expert Tips from CSUN Police Services

    Unknown
    2 Apr 2014 | 8:27 am
    Posted by: Unknown In today’s world, an individual’s prevention efforts against identity theft/fraud have to span far beyond tearing up credit card offers. Technology has made the criminal’s job much easier to target a larger group of unsuspecting victims. Phishing scams can be like shooting fish in a barrel, opposed to the “old school” ways of diving through a neighborhood of dumpsters for personal information haphazardly thrown away. Therefore I’ve included several best practices that cover simple to tech-wise ways to keep personal information protected. For starters, control…
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    From the Desk of Robert Jacobs

  • Who else wants to be debt free?

    Robert Jacobs
    14 Apr 2014 | 5:23 pm
    Back in 2007, My wife and I had financed a 50 inch plasma television, a mattress, and not to mention large payments on a Toyota Camry and 4-Runner. We wondered why we couldn’t save money. Then the answer hit us in the head like a baseball bat; debt payments were robbing us from saving money. We decided we needed to become debt free. The insanity had to end. photo credit: StockMonkeys.com via photopin cc So how do you become debt free? There are several steps to get there. But first, you need to ask yourself why you want to become debt free. For my wife and I, we wanted to build savings…
  • Discipline: The Essential Ingredient in Financial Planning

    Robert Jacobs
    31 Mar 2014 | 4:00 am
    This is a post that was originally published on 10/11/2012 Discipline is a dirty word to many of us. Not because it is a bad thing, it’s because most of us lack it and it is so essential to our success in life. Those who have a positive attitude and refrain from engaging in “victim thinking” or constant complaining are more likely to have discipline in their lives then those who do not.  Success and discipline go hand in hand. The use of discipline in financial planning can mean the difference between being wealthy or being poor. Hebrews 12:11 says, for the moment, all…
  • What to do about debt collector calls

    Robert Jacobs
    17 Mar 2014 | 2:21 am
    Follow @robertjacobs01 Debt collectors are ruthless. They harass the crap out of you until they get what they want, your debt payment. They can be rude and they break the law. So what can you do about debt collectors? photo credit: StockMonkeys.com via photopin cc The answer is two-fold; be diligent and be calm. Sounds easy? No, it’s not, but its better than making a mistake like giving in to a collector to pay an old credit card debt which cause you not to pay your electric bill or another necessity. Being diligent is an essential skill in all aspects of life. It involves being able…
  • The Zero Based System is the Only Way to Budget

    Robert Jacobs
    3 Mar 2014 | 3:00 am
    Follow @robertjacobs01 Wouldn’t it be great if congress had a balanced budget? A balanced budget means income minus outgo equals zero. Another term for a balanced budget is zero based. Although congress has the luxury of spending more than they bring in, unfortunately you cannot or you will go broke. photo credit: 401(K) 2013 via photopin cc Broke is exactly what many Americans are. The reason for this is simple; not paying attention to what income comes in and what expenses go out. They lack a plan. A budget is a plan, and a zero based budget is a plan for every dollar that prevents…
  • Financial Planning: Why you need these 17 components (Part 1)

    Robert Jacobs
    17 Feb 2014 | 4:00 am
    This is a post originally published on 10/8/2012. Financial planning requires diligence. If you want to reduce risk and have a solid financial plan, than you need these 17 components.  I will cover eight of the seventeen and finish the last nine in two weeks (Part 2). Here is a brief description of the first eight components of this two-part series and why you need them: Written Cash Flow Plan: If you don’t have a plan for every dollar you make, then it will surely leave you and you will wonder where it went. Will or estate plan: Without a will, the state in which you live in will…
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    Modest Money

  • Importance of Brand Recognition when Buying Auto Insurance

    Adam
    17 Apr 2014 | 6:00 am
    The following is a guest post about auto insurance. If interested in submitting a guest post please read my guest post policy and then contact me. Auto insurance companies aim to be known by large number of motorists. Recognizing a brand is like getting a recommendation for it from a trusted friend. This time, it is your brain that tells you to buy from this company unconsciously. That is why companies pay millions of dollars every year to establish their brands. They keep drilling the same name through advertisements. This would still be the case even though you have never had any dealings…
  • Realizing the Importance of Side Income

    Jeremy Biberdorf
    16 Apr 2014 | 6:00 am
    Recently my friend Shannon from The Heavy Purse e-mailed about a special carnival she was hosting for financial literacy month. Normally I wouldn’t think much of these initiatives and would politely decline. I’m a big believer of the need for increased financial literacy though. So I was happy to take part. Check out Shannon’s blog for other entries for the Financial Literacy Awareness Carnival. The theme that Shannon requested was “your biggest money a-ha”. I considered writing about how I got serious about finances a couple years ago during a major life…
  • Long Term Investments – How to Get it Right

    Adam
    15 Apr 2014 | 6:00 am
    The following is a guest post about long term investments. If interested in submitting a guest post, please read my guest post policy and then contact me. It does not take a financial wizard to figure out that long term investment always pays if you choose the right investment tool and processes. It is a great way to plan your post retirement life. However, long term financial planning and investment is never an easy task because we are accustomed to speedy and instant results in almost every sphere of our life. However, investments don’t work that way, save some exceptional situations.
  • What Candy Crush Teaches Investors

    Josh Rodriguez
    14 Apr 2014 | 6:00 am
    Have you heard of Candy Crush? Of course you have, if you’re a game player, you probably have it. If you’re an investor, you’ve watched King Digital, the maker of Candy Crush, get crushed with a poor IPO. OK, I get it, poor is an understatement. The KING IPO flopped its way to a record.It is officially the worst IPO of 2014 thus far! So, today, we’re going to dig a bit deeper into why the IPO flopped so badly and what this could teach you as an investor. Why Did Candy Crush Flop? In my opinion, there were a few factors that caused Crush to get crushed. Here they are… Unrealistic…
  • Choosing the Best Colleges in 2014

    Josh Rodriguez
    12 Apr 2014 | 6:00 am
    Have you heard? U.S. News & World Report has been compiling a list of the best colleges in the United States in their latest guidebook, Best Colleges 2014. That’s not all that’s in the book either! I had the opportunity to get my hands on a copy and read through it so that I could provide you all with a quality review of the book. So, that’s exactly what we’re going to do today. First Impressions When I first started reading the book, I have to say, I was a bit confused. Granted, I’m not a real eBook type of guy. Although the book is available on paper as well as in several…
 
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    Save Invest Give

  • Reading Review: Week 10

    S. B.
    16 Apr 2014 | 9:17 pm
    4 Things to Know About Dividend Investing http://www.cleareyesinvesting.com/2014/04/4-things-to-know-about-dividend.htmlThis article is actually a summary of another article, so I don't want to create a summary of a summary!  Instead, I'm going to comment on the excellent third point of the article, which is that "the market is good at sniffing out dividend cuts well ahead of time."  I stress this point because it's a widespread practice of many dividend investors to sell when dividends are cut and/or frozen.  Some investors do this for portfolio style reasons - they want…
  • Planning versus Doing

    S. B.
    9 Apr 2014 | 5:31 pm
    "All things are created twice: first, a mental creation; second, a physical creation." - Stephen CoveyThis past year has been a time of deep introspection for me.  Sometimes I thought the insights I needed would never come.  But eventually they arrived, and usually when I least expected them.  I would like to gradually share some of these insights, especially those that relate to finances in some way.Planning vs DoingSome people almost instinctively want to plan.  Others are wired to act.  Yet we all know that the best results are obtained when there is some…
  • Reading Review: Week 9

    S. B.
    31 Mar 2014 | 8:30 pm
    Frank Voisin: Book Reviewshttp://www.frankvoisin.com/books/book-reviews/I wish I had the time to review books, instead of just articles.  But at least I can point people to a good collection of reviews of various business and finance books.Bot & Dolly and the Rise of Creative Robotshttp://www.businessweek.com/articles/2014-03-20/bot-and-dolly-and-the-rise-of-creative-robotsIf you've seen the short film Box and wondered how it was made, this article will help you understand.  The crazy thing is that it was made in live action, without postproduction tricks.  There is a…
  • Reading Review: Week 8

    S. B.
    26 Mar 2014 | 4:54 pm
    How High-Speed Traders Are Like Fishhttp://www.bloombergview.com/articles/2014-03-23/how-high-speed-traders-are-like-fishThis is a short, yet interesting, article about price discovery and market synchronization.  It has been decades and decades since any retail trader could realistically hope to consistently trade off of primary news.  Even in the old days, if a company released bad earnings or announced that they lost a major lawsuit, the stock would tank almost instantaneously.  But it wasn't too long ago that traders could profit from delayed moves in related securities…
  • Reading Review: Week 7

    S. B.
    11 Mar 2014 | 7:47 pm
    On the Merits of Being a Financial Historianhttp://awealthofcommonsense.com/merits-financial-historian/This well written piece explains why it's important to examine the history of past investment returns, even though they don't predict the future.  The author argues that a probabilistic point of view is still better than nothing, and I don't disagree with that observation.  But the real insight of this article is the observation that the main reward of investment learning and research is probably not optimization, but emotional control.  As the author puts it: "At the end…
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    Take A Smart Step

  • Five Tips for Picking a Financial Coach

    Andrea
    15 Apr 2014 | 2:00 am
    Thinking about hiring a financial coach? Not exactly sure what to look for in a coach? It is your lucky day – here are my tips in what you should look at and ask any financial coach you are interviewing. (If you would rather watch the video: What to look for in a financial coach) 1. Check their qualifications.   What training have they had? What’s their background? Did they go through coach’s training and then just say they were going to be a financial coach, or do they actually have financial background? You want to make sure that when you’re getting ready to hire…
  • Tax Extension: Everything You need to Know

    Andrea
    8 Apr 2014 | 2:00 am
    Getting close to the tax deadline and still don’t have your taxes done? It might be time for you to consider a tax extension. Here is everything you need to know to get it done correctly and no time! (text version below video)     What you need to know about Tax Extensions: Filing an extension gives you six extra months to get the paperwork done. It does not extend the time you have to pay your taxes due – those must be paid when you file the actual extension paperwork. If you do not pay your taxes with the extension then you may be subject to penalties and interest. The…
  • Financial Independence vs. Retirement

    Andrea
    1 Apr 2014 | 2:00 am
    So you are saving for retirement, but is that the right goal? Today our video looks at the difference between retirement and financial independence. What you will learn in this video: What the difference between retirement and financial independence is. Time to contemplate which you would like to be saving for! Please share your comments below on your views on each of these items. Watch on YouTube: Financial Independence vs. Retirement Need help figuring out how you can find your financial independence or retirement?  Check out my financial coaching services!
  • The Best Way to Create Financial Independence: Follow Your Heart

    Andrea
    25 Mar 2014 | 3:00 am
    Know what really gets me fired up?  Well, lots of things, but today specifically, when I am reading something that goes something like this: You are an idiot if you are not building your own business…. You are an idiot if you are not working to early retirement….. You are an idiot of you are not in real estate…. Why do these bother me so much?  Because the only way to create both happiness and financial independence is to follow your heart. You need to do what makes you happy and not what makes others happy!  That is exactly what I cover in this video, why it is so…
  • What is a No Load Mutual Fund

    Andrea
    18 Mar 2014 | 9:21 am
    Ever here that an investment has a load or is a no load and been confused?  No more, here is a run down on what a load is.  (Text below video)   To Watch on YouTube: What is a No Load Mutual Fund The initial and deferred sales fees make up what are commonly referred to as loads. A load is a percentage the fund company charges you either when you invest the money, initial sales fee, or when you sell your investment, deferred sales fee.  It is taken directly out of your investment.  Thus if you are investing $10,000 and the initial sales fee is 2%, then $200 is taken for the fee and…
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    NerdWallet's Money-Saving Tips

  • How Do You Do Money? Toby, Developer

    Heather Yamada-Hosley
    17 Apr 2014 | 4:00 am
    NerdWallet’s How Do You Do Money? series asks people from various walks of life to share their attitudes and approach to personal finance, with the goal of bringing transparency to discussions surrounding money. In this installment we speak with Toby Osbourn, a 28-year-old developer living in Belfast, Northern Ireland. This is how he does money.   What do you do for your main source of income and how did you get into that line of work? I am a developer for Rumble Labs in Belfast. I have been fascinated by computers since I was about 11 and got into development in a big way when I was…
  • The Best and Worst Jobs in America Are …

    Kevin Voigt
    17 Apr 2014 | 3:00 am
    If you or your children want a crack at the best jobs in America, take this advice: Hire a math tutor. If you want one of the worst jobs, learn how to chop wood, be a “Waitress in the Sky” or (ahem) write this story for a living. Using data from the U.S. Bureau of Labor Statistics, and measuring factors related to environment, income, stress and outlook, the job website Careercast has ranked the best and worst jobs of 2014. Its analysis comes the same week President Barack Obama is making a $600 million push to increase occupational training opportunities for the long-term unemployed.
  • Four Ways to Get Your Child Excited About Investing

    Advisor Voices
    16 Apr 2014 | 6:26 pm
    By  Richard M. Rosso Learn more about Richard on NerdWallet’s Ask an Advisor First, start talking with your child about investing sooner rather than later. Many parents find it awkward to discuss stock investing with young children because some parents don’t feel confident about their ability to do research. But what I’ve discovered is that the discussion with young children helps less-confident parents become better stock investors. The conversation also raises the bar for parents and children who are willing to learn. Although there are several milestones along the way, the…
  • 5 Good (And Not So Good) Reasons to Draw Social Security Early

    Advisor Voices
    16 Apr 2014 | 4:21 pm
    By Larry McClanahan, CFP®, CASL, CLU Learn more about Larry on NerdWallet’s Ask an Advisor You’re hearing a lot more these days about the importance of waiting to collect Social Security so that you receive a larger payout. Those who’ve earned enough retirement credits can begin drawing social security as early as age 62. But collecting benefits before your full retirement age, or FRA—age 66 for those born between 1943 to 1954—will result in a permanent reduction in the amount you receive. And if you’re married, it could also mean less for your spouse if they survive you. Your…
  • The Social Security “Reset”

    Advisor Voices
    16 Apr 2014 | 9:06 am
    By  Joe Alfonso, CFP®, ChFC, EA, LTC Learn more about Joe on NerdWallet’s Ask an Advisor Many current retirees decided to begin taking Social Security retirement benefits well before their full retirement age—the age at which a beneficiary is entitled to receive a full Social Security retirement benefit based on her lifetime earnings record. In some cases, need drove the decision to take early benefits; in others, fear about the long-term viability of the program. In many cases, the decision came down to the retiree not knowing she had the option to delay benefits. Regardless of the…
 
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    The Truth About Credit Cards.com

  • Why Do Credit Cards Have PINs?

    Colin Robertson
    16 Apr 2014 | 3:06 pm
    You may have heard news lately regarding chip and PIN technology. Come October 2015, credit card issuers in the United States will migrate to smart chip technology in an effort to combat fraud that is so prevalent with magnetic stripe cards. In the rest of the world, these smart chip credit cards are already widely [&hellip
  • When Do Credit Cards Actually Expire?

    Colin Robertson
    4 Apr 2014 | 10:55 am
    There seems to be a lot of confusion about credit card expiration dates, mainly because credit card issuers only list the month and year on the card, as opposed to the day in most cases. So I decided to go straight to the source to get to the bottom of this once and for all. [&hellip
  • The Credit Card Cold War Halts Visa and MasterCard Payments in Russia

    Colin Robertson
    25 Mar 2014 | 12:43 pm
    The recent military action in Crimea has conjured up memories of the Cold War, which some believe really never ended, especially now that Russia is flexing its muscles once more. Back in the 1980s, blue jeans were smuggled into the Soviet Union because the Motherland wanted nothing to do with products from the consumerist West. [&hellip
  • There’s a New Gameboy-Esque Device the Size of a Credit Card

    Colin Robertson
    10 Mar 2014 | 11:03 am
    If you’re new to this site, let me first point out that I attempt to cover all products the size and shape of a credit card. That means I’ve reviewed the credit card knife and fork, the credit card bottle opener, the credit USB charge card, and the CombiBar, which is a small gold bar [&hellip
  • Amex EveryDay Card Review: Smart Chip Technology and 0% APR

    Colin Robertson
    3 Mar 2014 | 12:42 pm
    The crowded credit card lineup at American Express is about to get even more jam-packed. Coming to a wallet near you soon will be the “Amex EveryDay Credit Card,” which sounds an awful lot like the Blue Cash Everyday credit card, but has its own unique qualities. Amex EveryDay Is Big on Membership Rewards The [&hellip
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    PennyMac's Mortgage Blog

  • Understanding the Rules for Deducting Home Mortgage Interest

    15 Apr 2014 | 2:11 pm
    The IRS's home mortgage interest deduction is one of the most valuable tax write-offs for American families. While its effect can vary depending on your income, other deductions, and your mortgage, it's likely that it will reduce your annual tax costs by thousands of dollars. Claiming it is relatively simple for most people, as long as you follow the IRS's rules. 1) Itemize or Else To claim the deduction, you have to itemize by filing a long-form 1040 tax return and attaching Schedule A. This means that you have to give up the standard deduction, which is $6,200 for a single…
  • Understanding ARMs - The Basics of How ARMs Work

    3 Apr 2014 | 4:38 pm
    An adjustable rate mortgage (ARM) is most simply defined as a home loan with an interest rate that can go up or down over time. Part of the rate is typically based on a broader measure of interest rates, called an index. Like any other loan, the initial agreement spells out the terms, so you should have a clear understanding of all the details before you make a decision. Some of the factors you should consider when evaluating an ARM include the initial rate, the initial rate period, and the adjustment period. We'll use the example of a lender offering a customer a "5/1 LIBOR…
  • Tax Time - Deducting the Expenses of Owning a Home

    31 Mar 2014 | 4:40 pm
    According to a 2009 paper from the National Association of Home Builders, a relatively typical American household taking out a typical mortgage can save around $8,600 on taxes in the first five years of homeownership. While you might know that you can write off your mortgage interest, this deduction is one of many that you may be eligible to claim. While laws vary and your situation may be different, here are some of the many expenses that might be deductible for your home. Mortgage Interest (Including Refis, Seconds and HELOCs) The IRS lets you write off the interest on up to…
  • 4 Things to Do After a Short Sale

    25 Feb 2014 | 10:12 am
    If you've sold your house in a short sale, you aren't necessarily destined to renting for the rest of your life. While you might not be able to move right from the house you sold into a new one that you bought, buying a home after a short sale is something that you can do in time. Here is a simple four-step process that can get you from short sale to homeowner in less time than you might expect. 1. Confirm the Sale Was Reported Correctly Once the short sale process is finished, ask your lender for a short sale letter. The letter is a document that confirms that you negotiated a…
  • Veteran Home Loans: Understanding VA IRRRLs

    21 Feb 2014 | 12:13 pm
    One of the many benefits current and former service members may have is special financing through the Veterans Administration. Veterans Administration loans, or VA loans, offer simple qualifying terms, low rates, and minimal equity requirements. VA loans do not require mortgage insurance nor PMI if you have less than 20 percent equity in your home. When buying a home, qualifying military personnel may not even need a down payment when working through the VA loan program. When it's time to refinance, VA borrowers don't have to give up their current loan's benefits. The VA IRRRL -- interest…
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    Moneycation

  • Are you earning a living wage?

    A.W. Berry
    17 Apr 2014 | 7:00 am
    The following interactive tool allows you to determine how many hours per week you would need to work at different wages to earn a "living wage".  A living wage is the amount of money needed to maintain a standard of living that is not considered within poverty or minimum wage ranges. The wage and hours requirements to meet living wage standard of living varies from state-to-state as the tool illustrates. For example, in Virginia a single adult would have to earn $25.69 per hour for 40.1 hours per week to earn the minimum living wage, but in Wyoming the hourly pay would only have to be…
  • Financial news: 04/17/2014

    A.W. Berry
    17 Apr 2014 | 3:00 am
    • Bloomberg: Wage pressures in metro-areas suggest improving economy• Fox: Google is designing smart contact lenses per patent filing info.• Reuters: BofA had a Q1, '14 loss after paying $6 bln in litigation costs• BI: Celgene is the best U.S. company to work for per BI/PayScale• CNN: IRS tax refunds are sometimes stolen via identity theft• DOL: Jobless claims 104/12 304K ↑2 K; average 312K ↓4.75K • CB: Building permit issues fell 2.4% in March, yr-over-yr starts ↓5.4%• AP: France to lower debt via $29 bln in pension, social & healthcare cuts• BBC: China's GDP…
  • Financial market conditions

    A.W. Berry
    16 Apr 2014 | 6:11 am
    Knowing how to interpret economics signals is sometimes more art than science. First, there is no magic or commonly known formula that takes so many variables in to account that it can determine the direction of markets or economies with 100 percent or even 95 percent accuracy. If there was, the Great Recession would have been far less likely to have occurred. Secondly, the relationship between economic and market variables is so complex and elaborate that it would not only require a perfect formula, but also access to a large amount of timely data and a lot of computing power. These are not…
  • Financial news: 04/16/2014

    A.W. Berry
    16 Apr 2014 | 3:00 am
    • NYT: In 90 U.S. cities, median rent is ↑30% of gross pay• CNBC: Too many tech. IPOs is a problem per Cramer• Building Detroit: Opening bids on foreclosed properties start at $1,000 • CNN: Several CEOs took large pay cuts in 2013• AP: Largest banks may be under-capitalized per Fed Chair• Fox: Margin requirements may stabilize wholesale funding during crisis• BLS: Consumer Prices up .2% in March• NAHB: Home builder confidence was flat in April per index of 47 • Reuters: Italian PM wants to privatize .7% worth of GDP in assets per yr• BBC: The EU officially has a banking…
  • What matters in corporate finance

    A.W. Berry
    15 Apr 2014 | 7:00 am
    Corporate finance encompasses a wide range of approaches to financial management. It includes securities underwriting, asset management, financial reporting, strategic investing and more. The following presentation is essentially a textbook in a slide show since it has multiple chapters and is 816 slides long. This post attempts to summarize key points and navigate through the slides to highlight particularly useful concepts.Present value Of the thirty-five chapters in the slide show, six are devoted to the concepts of present value and net present value. That is a substantial weighting…
 
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    LCF on Personal Finance

  • Economic contraction in 2014? See this similarity with 2008 to believe it

    ChingFoo Lieu
    8 Apr 2014 | 9:12 pm
    How likely is it to face an economic recession this year (2014)? If we are able to detect a trend before that happens, then we could prepare ourselves to “brace for the impact”, instead of being taken by surprise – when we are able to see the trend is already there. You can throw the fundamentals (of any form of investment or any company) out the window when the down cycle comes – that is not to say we should panic but it’s more of managing the risk of macroeconomics. We analyze what we can control based on data and manage what we can not. And the data we want to…
  • Why Job Security is overrated, and Why Businessman Makes Bad DIY Investor

    ChingFoo Lieu
    31 Mar 2014 | 4:36 am
    Whether you are an employer or employee, this makes a good read. They say – the fool makes the same mistakes and never learns, smart man made the mistakes and learn from it while the wise man learns from others’ mistakes. The below are the words from Millionaire Investor Program founder, Ken Chee (the first part) and Lim Dershing, an active angel investor in digital media startups in SEA in his article at DrWealth (second part). I am not affiliated to the products or services offered at the time of this writing, and I am not promoting them. It is for the sole purpose of sharing…
  • How to really write a fool-proof personal will for asset preservation

    ChingFoo Lieu
    22 Mar 2014 | 9:36 pm
    Most people thought they are not “old” enough or don’t “have enough assets” to have the need of writing a will. Frankly, I used to think like that too but I want to share with you the intricacies of not having a will after something passed on. Then you can look at your current situation and judge whether it is necessary. Even if you already have a will, check a few pointers below because the writing a will is just a start of doing the right things right the first time; the more important thing is the execution part. The Agonizing Process of getting Letter of…
  • Why Healthcare Costs & Insurance Premiums are bound to increase

    ChingFoo Lieu
    11 Mar 2014 | 6:22 am
    The title of a newspiece I read in Focus Malaysia last week is blunt – “Outrageous medical fee hike”. Referring to my previous commentary on medical fee hike – 1 Additional Rise (Surprise) in Cost of Living which will Hit us Hard – up to 300%,  the HCK editorial team really lives up to its slogan “Open to all business but influenced by none”.  Subscription to its newspaper is Highly recommended. The below are the excerpts from the article why analyzes the whole scenario at a deeper level. Hospital charges are not regulated by the government, thus, the…
  • 1 Additional Rise (Surprise) in Cost of Living which will Hit us Hard – up to 300%

    ChingFoo Lieu
    5 Mar 2014 | 5:37 pm
    In the original article from iMoney.my – 7 Price Hikes we can expect in 2014, it highlighted 7 known or lesser known hike in costs that is going to impact businesses and consumers alike. Just like in most things in life, you could complain – which would amount to nothing, or take measures to manage the resources we have (which is always limited). After all, in life, it is all about resource management just like any strategy game. One thing just in – medical fees. That means the fees WILL be higher when you seek GP or Specialist Consultation. According to the President of MMA…
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    Money Soldiers

  • 4 Wacky Car Insurance Claims

    Arnel Ariate
    15 Apr 2014 | 10:30 pm
    There are millions of vehicles and all types of drivers.  On any given day a stranger than fiction scenario can happen out of the blue that leads to a wacky or weird auto insurance claim.  These four real life incidents show why it is necessary for everyone to have the protection of good car insurance. […]4 Wacky Car Insurance Claims is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Types of Student Loans

    Arnel Ariate
    7 Apr 2014 | 10:05 pm
    College can be expensive, so it’s important to have a basic understanding of different types of student loans before you borrow.  That way, you can feel more in control of your financial standing, maximize the amount of federal aid you receive and minimize the amount you have to repay down the line.  Whether you’re enrolling […]Types of Student Loans is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Why Do You Need to Consider the HECM Program?

    Arnel Ariate
    6 Apr 2014 | 9:04 pm
    HECM or “Home Equity Conversion Mortgage” is a program which was presented as a safe arrangement for senior citizens and constrained income groups, to get maximum financial security throughout the later phases of their life.  FHA Loan Matcher is one of the sample organizations that offers important reverse mortgage programs for senior natives to lead […]Why Do You Need to Consider the HECM Program? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How Can Your Business Prepare for a Natural Disaster?

    Arnel Ariate
    3 Apr 2014 | 10:00 pm
    Now that winter is over, it might be tempting to believe that your business is safe from the weather, especially if you live in the Northeast or Midwest.  It makes sense as winter was very tough this year, and many places experienced record snowfall, causing businesses to close or lose business.  While the winter certainly […]How Can Your Business Prepare for a Natural Disaster? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Propose Without Stretching Your Wallet

    Arnel Ariate
    3 Apr 2014 | 9:32 pm
    For a person ready to propose, buying a wedding ring can be a daunting task, not only for the emotion attached to it, but also the price tag.  It’s no secret: buying an engagement ring can be an expensive endeavor.  You want to show your partner that you really care, right?  And you do that […]Propose Without Stretching Your Wallet is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • Perspective

    Jason Hull
    16 Apr 2014 | 3:24 am
    “It is a narrow mind which cannot look at a subject from various points of view.” –George Eliot I’ve had a tricky back for a long time. I remember first going to the doctor about it when I was a plebe. It didn’t really bother me much and would occasionally spasm up, but then the […]Learn to beat your Monkey Brain and Accelerate Retirement. Perspective is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why a Conflicted Adviser Doesn’t Help You by Disclosing His Conflict of Interest What to do if You Receive a Life Insurance Benefit Why…
  • Should I Pay Down the Mortgage or Invest the Difference?

    Jason Hull
    14 Apr 2014 | 3:19 am
    To quote a reader, this article is “worth getting to the end,” so, make sure you get to the end! “Worm or beetle – drought or tempest – on a farmer’s land may fall, Each is loaded full o’ ruin, but a mortgage beats ‘em all.” –Will Carleton This is one of the most common […]Learn to beat your Monkey Brain and Accelerate Retirement. Should I Pay Down the Mortgage or Invest the Difference? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Hull Financial Planning Personal Finance FAQ Series: Should I Pay Additional…
  • IKEA Math

    Jason Hull
    11 Apr 2014 | 3:34 am
    “I couldn’t afford a trip to Europe after college so I went backpacking through an IKEA to find myself.” –Unknown I’m a fan of IKEA furniture. It’s inexpensive, good quality, looks fairly nice in the house, and, for us, has lasted quite a while. We have two wingback chairs, two ottomans, a couple of storage […]Learn to beat your Monkey Brain and Accelerate Retirement. IKEA Math is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: The Moving Checklist The Value of Mortgage Shopping Six Things You Won’t Learn About Real Estate From…
  • Entrepreneurs: Don’t Forget Your Own Backyard!

    Jason Hull
    9 Apr 2014 | 3:37 am
    “I’m painting a blue square in my backyard so that Google Earth thinks I have a pool.” –Unknown “Don’t be afraid to challenge the pros, even in their own backyard.” –GEN Colin Powell My last company was a software development company. I, naïvely, figured that all we had to do was put up a website, […]Learn to beat your Monkey Brain and Accelerate Retirement. Entrepreneurs: Don’t Forget Your Own Backyard! is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Entrepreneurs, Play Along! Take the Offer or Not? Entrepreneurs and…
  • In 2013, Were You Better Off Hiring Someone to Manage Your Money for You?

    Jason Hull
    7 Apr 2014 | 3:11 am
    “History repeats itself, first as tragedy, second as farce.” –Karl Marx Look up the phrase “this time it’s different” on Google, and you can find a panoply of situations where the headline writer has pounded his keyboard, imprecating that the situation about which he writes is truly different. Just in the first two pages of […]Learn to beat your Monkey Brain and Accelerate Retirement. In 2013, Were You Better Off Hiring Someone to Manage Your Money for You? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Are There Cases Where It’s…
 
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    Listen, Money Matters!

  • The Wisdom and Pitfalls of Zero Percent APR Financing (Ep. 35)

    Matt Giovanisci
    14 Apr 2014 | 5:00 am
    On this episode, we talk about how zero percent APR financing, when not utilized intelligently, could come back to bite you in the ass. The post The Wisdom and Pitfalls of Zero Percent APR Financing (Ep. 35) appeared first on Listen, Money Matters!.
  • Money For The Love of Freedom (Ep. 34)

    Matt Giovanisci
    10 Apr 2014 | 5:00 am
    On this episode, we discuss why you should stop thinking about money because it will make you rich and start thinking about how it will give you freedom. The post Money For The Love of Freedom (Ep. 34) appeared first on Listen, Money Matters!.
  • Is Frugality More Trouble Than It’s Worth? (Ep. 33)

    Matt Giovanisci
    8 Apr 2014 | 5:00 am
    On this episode, we discuss frugality and why sometimes it can be more trouble than it's worth. The post Is Frugality More Trouble Than It’s Worth? (Ep. 33) appeared first on Listen, Money Matters!.
  • 4 Hacks To Pay Off Your Student Loans

    Adam Carroll
    4 Apr 2014 | 5:00 am
    Each factoid below is followed by one or more student loan hacks that can help you get rid of that student loan debt once and for all! The post 4 Hacks To Pay Off Your Student Loans appeared first on Listen, Money Matters!.
  • 7 Lessons I’ve Learned From Owning 7 Cars

    Matt Giovanisci
    3 Apr 2014 | 5:00 am
    After owning seven cars, I now feel like I’m an expert at how NOT to buy a car, and I want to share the lessons I’ve learned along the way. The post 7 Lessons I’ve Learned From Owning 7 Cars appeared first on Listen, Money Matters!.
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    Equifax Finance Blog

  • Should I Co-Sign On a Loan for a Family Member?

    Mechel Glass
    17 Apr 2014 | 5:55 am
    It can be hard to see someone struggling financially, especially when that person is a family member. If you have the means to help, you may feel like you cannot say no. But while co-signing with a family member can be an immediate fix to a situation, it can also cause turmoil in the relationship. Even if you can do it, co-signing might not be the best solution to a family member’s financial problems. It’s important to understand all the risks associated with the process before making your final decision. It could negatively impact your credit report and creditworthiness. When you co-sign…
  • Three Tips for Renewing Your New Year’s Resolutions

    Miranda Marquit
    16 Apr 2014 | 5:09 am
    By the time spring rolls around, many of us have given up on our New Year’s resolutions—but it doesn’t have to be that way. Instead of waiting until next January to get on track, make it a point to renew your resolutions right now. Here’s how: 1. Get rid of the New Year’s resolution mindset. For some reason, many people have the idea that you can’t resolve to make improvements unless it’s the beginning of a new year. While the first of the year is a good time to make new commitments and start fresh, the reality is that you can set goals at any time. Don’t let the New Year’s…
  • How Do I File a Tax Extension?

    Eva Rosenberg
    15 Apr 2014 | 5:16 am
    If the tax deadline snuck up on you and your tax return is nowhere near ready to be submitted, don’t worry—you do have options. If you file for an automatic extension by April 15, you can give yourself an additional six months to file your paperwork and avoid penalties for late payments. How do I file a tax extension? Use Form 4868 to request additional time to file your 2013 tax return beyond April 15. You can file the form electronically or by mail. While a tax extension does give you more time to file, it will not give you additional time to pay what you owe. This extension is granted…
  • What to Do When You’re a Victim of Tax Identity Theft

    Eva Rosenberg
    14 Apr 2014 | 5:21 am
    In the rush to file your 2013 taxes before April 15, looking out for federal income tax identity theft may not be at the top of your mind—but it should be. Federal income tax fraud through the use of identity theft topped the IRS’s list of the “Dirty Dozen” Tax Scams for 2014. An identity thief may use your Social Security number to snag your tax refund or to cause other problems with your tax return. How do I know I’ve been a victim of federal income tax identity theft? You may find out that you’ve been a victim of federal income tax identity theft when you try to e-file your…
  • Three Reasons You May Need to Amend Your Tax Return

    Eva Rosenberg
    14 Apr 2014 | 5:06 am
    It’s not a great idea to amend tax returns needlessly. The IRS can only audit you for three years after you file a tax return. When you amend a return, however, you start that three-year clock running again. There may be things that you can no longer prove or that are too complicated to explain. However, there are some circumstances that may prompt you to amend your return. Here are three of them: 1. You didn’t include a W-2 or 1099 because it came after you filed your tax return. You can file an amended return and pay the additional taxes immediately in order to limit any interest and…
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    Personal Finance Updates

  • 6 Tips to Help You Reduce Credit Card Debt – Military Saves

    MColden
    14 Apr 2014 | 1:52 am
    6 Tips to Help You Reduce Credit Card Debt – Military Saves 3. Leave your card at home. If you truly want to begin decreasing your credit card debt, begin leaving your card at home. Doing so will prevent impulse purchases of items you don’t really need. If you have trouble doing this, … Original article […] The post 6 Tips to Help You Reduce Credit Card Debt – Military Saves appeared first on Personal Finance Updates.
  • 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet

    MColden
    14 Apr 2014 | 1:51 am
    5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet Besides the emergency-related planning that you need to do, there are many ways single parents can manage their finances in an effective manner. Read on to learn five finance tips for single parents, and how to make them … Original article on http://wallstcheatsheet.com Sun, […] The post 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet appeared first on Personal Finance Updates.
  • Home Mortgage Tips That Can Help You Out |

    MColden
    14 Apr 2014 | 1:49 am
    Home Mortgage Tips That Can Help You Out | Buying a home can be a life changing experience, so be sure that you know what goes into getting approved for your home mortgage. There are quite a few things that you’re going to need to do, and this article is going to … Original article on […] The post Home Mortgage Tips That Can Help You Out | appeared first on Personal Finance Updates.
  • 8 tips for spring cleaning your finances – - MSN Money

    MColden
    8 Apr 2014 | 1:41 am
    8 tips for spring cleaning your finances – - MSN Money It’s time to toss those dusty bank statements and shop around for better rates. – MSN Money how-to-budget tips and articles. Original article on http://money.msn.com Tue, 01 Apr 2014 15:15:00 GMT Read more … The post 8 tips for spring cleaning your finances – - MSN Money appeared first on Personal Finance Updates.
  • Get your house in order: Repairing your credit before you buy a home – Fox News

    MColden
    8 Apr 2014 | 1:39 am
    Get your house in order: Repairing your credit before you buy a home – Fox News Get your house in order: Repairing your credit before you buy a homeFox NewsFor those with bad credit, buying a home can feel like an impossibility. Even if you can qualify for a mortgage, a bad credit score will […] The post Get your house in order: Repairing your credit before you buy a home – Fox News appeared first on Personal Finance Updates.
 
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    Bargains with Brittanie

  • Kids Eat FREE at Outback Steakhouse on Easter!

    Brittanie
    17 Apr 2014 | 1:16 pm
    If you are planning on heading out to dinner on Easter then consider heading to Outback Steakhouse where Kids Can Eat FREE on Easter with an Adult Entree purchase! No coupon is necessary just mention “Kids Eat Free” to your server. *Offer valid 4/20/14 only. The post Kids Eat FREE at Outback Steakhouse on Easter! appeared first on Bargains with Brittanie.
  • $15 in Honey Baked Ham Coupons! Perfect for Easter Weekend!

    Brittanie
    17 Apr 2014 | 1:09 pm
    Hurry over and print these $15 in Honey Baked Ham Coupons! These coupons are perfect for this Easter weekend especially if you are planning an awesome family dinner! *Coupons expire 4/19/14. The post $15 in Honey Baked Ham Coupons! Perfect for Easter Weekend! appeared first on Bargains with Brittanie.
  • No Coupon Inserts This Weekend!

    Brittanie
    17 Apr 2014 | 1:00 pm
    As a Reminder, This weekend is Easter Weekend which means there will be No Coupon Inserts This Sunday! So enjoy your weekend, spend it with family, and enjoy not having to sort through or cut those coupons! It will also give you a chance to catch up on clipping in case you are behind like I am. What […] The post No Coupon Inserts This Weekend! appeared first on Bargains with Brittanie.
  • Retail Coupon Round-Up 4/17

    Brittanie
    17 Apr 2014 | 12:44 pm
    Don’t leave shopping this weekend without taking your coupons! Below I have compiled the Retail Coupon Round-Up 4/17/14. Simply click any of the links below and print your coupons to redeem. Bed Bath & Beyond- 20% off any one item with new email subscription Carter’s: 20% off $40 or more. OR 15% off entire purchase. Gordmans: 20% off Any Single Item Hobby Lobby: 40% off any regular priced […] The post Retail Coupon Round-Up 4/17 appeared first on Bargains with Brittanie.
  • FREE RepHresh Feminine Hygiene Gel Sample!

    Brittanie
    17 Apr 2014 | 12:35 pm
      You can head over to the RepHresh Facebook Page and request to receive a FREE RepHresh Feminine Hygiene Gel Sample! Just answer a few short questions and give your mailing address. Allow 4-6 weeks for delivery. The post FREE RepHresh Feminine Hygiene Gel Sample! appeared first on Bargains with Brittanie.
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    The Simple Money Blog

  • Finding financial faith

    Angela and Kirby
    7 Apr 2014 | 6:45 am
    KJ: How do you find financial faith? Those times in your life when you’re struggling with “is it enough” or “am I on the track that I need to be?” With so many unknowns – especially in your more long-term … Continue reading →
  • A target to aim for: what do I need to save for retirement?

    Kirby
    24 Mar 2014 | 5:10 am
    KJ: One of the commercials that Fidelity had running a few years ago had a green arrow with a number above each person. The magic number was the amount of money that person needed to have socked away for retirement. … Continue reading →
  • The simple secret to building long-term wealth

    Kirby
    17 Mar 2014 | 4:30 am
    KJ: So, here goes. The simple secret to building long-term wealth. A strategy so simple, how can it possibly be true? Is it a genius idea, is it working 70+ hours per week, eliminating your weekends from your personal life, … Continue reading →
  • Eight super fun things to do with your tax refund

    Kirby
    10 Mar 2014 | 4:15 am
    KJ: With the average tax refund for 2012 coming in at a whopping $2,803 – just shy of the average for 2011 that was even higher at $2,913 – what should you do with your income tax refund? With this … Continue reading →
  • A review of different account types

    Kirby
    7 Mar 2014 | 4:30 am
    KJ: I think one of the things that often goes by the wayside in personal finances is a proper understanding of the different account types and how to use them within the framework of your budget. With so many out … Continue reading →
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    Money Street Smart

  • 7 Ideas for Using Spare Change

    Catherine Alford
    16 Apr 2014 | 6:01 pm
    These days, most people use credit cards and debit cards to pay for their purchases mostly out of convenience. However, there are still many people out there who love using cash, especially when they are fans of all that loose change! If you have a ton of loose change hanging out in your pockets or […]
  • Smart Saving When It Comes to New Babies

    Catherine Alford
    18 Mar 2014 | 12:00 am
    Any day now, I’m going to become a mother to twins! To say I’m excited is an understatement. This is my first pregnancy, my first time being a parent, and I feel so lucky that my husband and I will be welcoming not one but two new little people into our home very soon! Because […]
  • How I Saved $7,000 for Moving Costs

    Catherine Alford
    12 Mar 2014 | 7:36 pm
    Last year was a really great year in terms of reaching my savings goals, and a large part of that success was due to working tons of extra hours and heavily monitoring my spending. Just a few months ago I wrote about how I saved a $10,000 savings fund when I found out I was […]
  • Clever Ways to Avoid Useless Fees and Bills

    Catherine Alford
    6 Mar 2014 | 8:48 pm
    There’s nothing worse than handing over your hard earned cash just because of some hidden cost or because you were disorganized. But don’t worry; there are so many ways to avoid useless fees and bills. Plus, we’re not too far into 2014, so you can absolutely make it your goal to avoid fees this year. […]
  • 4 Things a Newbie Investor Shouldn’t Do

    Catherine Alford
    25 Feb 2014 | 8:37 pm
    I’ve recently becsme interested in investing and the global markets in the past year, so I still consider myself a “newbie” investor. However, I’m always surprised at those who jump into the game too quickly, as I personally am a very cautious, conservative person when it comes to investing my hard earned cash. So for […]
 
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    My Money Design

  • Why Do You Need to Know Your Credit Score?

    Staff
    17 Apr 2014 | 9:36 am
    Why exactly does everyone always say you need to know your credit score?  What is it about it that makes it so important? First things first, you need to understand what it is.  Your credit score is the statistical method that lenders use to determine how likely you are to pay back money borrowed, states […] The post Why Do You Need to Know Your Credit Score? appeared first on My Money Design. [Click here to read more]
  • Can the Experts Really Help Us Find Good Stocks to Invest In? Let’s See for Ourselves

    MMD
    14 Apr 2014 | 2:00 am
    One of the most thrilling and scary things you can do with your money is to buy individual stocks. I like to hold a small portion of my investments in individual stocks because I have found it to be a very useful component to my overall plan for financial freedom (my money design as I […] The post Can the Experts Really Help Us Find Good Stocks to Invest In? Let’s See for Ourselves appeared first on My Money Design. [Click here to read more]
  • Make Sure You Choose Your Family Health Care Insurance Wisely

    Staff
    11 Apr 2014 | 4:44 am
    For all the millions of people in the world who don’t work, freelance, or are semi self employed, they take on the ultimate responsibility of finding their own family health care insurance. Unfortunately we live in a society nowadays where any and all medical care is somehow influenced by what sort of health insurance you […] The post Make Sure You Choose Your Family Health Care Insurance Wisely appeared first on My Money Design. [Click here to read more]
  • 14 Easy Ways How to Cut Power Bill Expenses During the Winter

    Staff
    9 Apr 2014 | 9:50 am
    The winter-time can be a very challenging time for most people. It’s cold.  It’s dark.  And it’s hard to travel. Unfortunately all of those things can make people want to stay indoors during that time.  And that can lead to a big increase in your energy bill. All of the sudden you’re dealing with drafty […] The post 14 Easy Ways How to Cut Power Bill Expenses During the Winter appeared first on My Money Design. [Click here to read more]
  • The Top 5 Tips for Avoiding Inheritance Tax

    Staff
    8 Apr 2014 | 5:50 pm
    The United States isn’t the only place in the world where people have to worry about how they will pass on their life-long fortune to their heirs.  The English have similar problems and rules written within their tax codes that can complicate how an inheritance is handled after a loved one passes away. The interesting […] The post The Top 5 Tips for Avoiding Inheritance Tax appeared first on My Money Design. [Click here to read more]
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    The Quizzle Wire

  • You Should Be Tipping These Five People

    Miranda Marquit
    17 Apr 2014 | 12:00 pm
    In recent years, the practice of tipping has taken on a new level of controversy. Should you tip? When should you tip? Maybe we should just make sure everyone is paid at least minimum wage and get rid of tipping altogether. It’s a difficult issue, and one that inspires strong feelings. However, what’s even more confusing is the rise of tipping beyond what you leave for your food server or hotel room cleaner. CNN Money points out that many of us are at a loss, but if you are in doubt, it’s probably better to tip. Here are five people that CNN Money thinks you should be tipping:…
  • When Can You Get a Free Credit Score?

    Miranda Marquit
    17 Apr 2014 | 6:00 am
    It’s possible to get a free credit report from each of the three major credit reporting agencies just by asking once a year. However, you might have to do a little extra work to get free access to your credit score. While there is no law providing you with the ability to get a free credit score each year like there is entitling you with a free credit report, there are ways to get access to your credit score without paying a penny. Here are some of the ways that you can get a free credit score: A Negative Outcome to Your Credit Application Anytime there is a negative outcome resulting from…
  • When Cash is Cheaper Than Credit Cards

    Erin El Issa
    16 Apr 2014 | 6:00 am
    A credit card can be a great tool when used responsibly. It can net you cash or travel rewards, extend your factory warranty on large purchases, and protect your purchases in case of theft or damage. However, it may not always be the best idea to charge everything to a credit card. Let’s discuss when it would be beneficial to pay cash instead. Payment for Services or Government-Related Payments with Convenience Fees Often times, putting your college tuition or tax payments on a credit card can cost you 2% or more in convenience fees. This will almost always offset any points or cash-back…
  • What is a Drive-by Appraisal?

    Quizzle
    15 Apr 2014 | 9:41 am
    This article is from our sister company, Title Source. If you’ve gone through the process of selling or buying a home before you may know that completing an appraisal could take weeks. Between a thorough inspection, documenting findings, building a list of comparable properties and adjusting for property difference, time can easily add up. However, not all appraisals are created equal. As a matter of fact, some appraisals don’t even require the appraiser to enter the property. How can the appraiser provide an accurate appraisal if they don’t even walk through the front door? In…
  • When Should You Freeze Your Credit?

    Stephanie Halligan
    15 Apr 2014 | 6:00 am
    Freezing your credit – seems a little drastic right? When you hear the term “credit freeze,” you may immediately think about throwing your plastic into a bucket of water, tossing it into the freezer and leaving it there for good so it’s literally frozen (and so is your temptation to spend unnecessarily). While that kind of credit freeze is a great way to keep you from spending too much on your credit card, it might not prevent someone else from using your credit history to make purchases of their own – also known as identity theft. Identity theft is on the rise in America;…
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    Credit Card Insider » Insider

  • Review of the Starwood Preferred Guest card from American Express

    Kimberly Rotter
    16 Apr 2014 | 3:00 am
    The Starwood Preferred Guest card from American Express is a popular rewards-earning card for individuals and businesses with great credit. The offer New cardmembers can earn up to 25,000 bonus points: 10,000 after the first purchase is made with the card, and an additional 15,000 after spending $5,000 within the first six months of membership.… Continue Reading › The post Review of the Starwood Preferred Guest card from American Express appeared first on Credit Card Insider.
  • How Can I Help My Children to Establish Credit Properly?

    John Ulzheimer
    15 Apr 2014 | 7:54 am
    A recent survey conducted by Experian Consumer Services indicates two out of three Millennials (aged 18 to 30) surveyed have needed a cosigner to qualify for things like college loans (35 percent), residential leases (32 percent), and car loans (19 percent). Regardless of how responsible your child is, however, co-signing means putting your own credit… Continue Reading › The post How Can I Help My Children to Establish Credit Properly? appeared first on Credit Card Insider.
  • Best Travel Credit Cards for Airlines, Hotels, and Gas

    Gideon Sandford
    14 Apr 2014 | 3:48 pm
    It’s easy to find people willing to give you their list of the “best” rewards-earning credit cards. What’s harder is to look at all the cards out there and make up your own mind about the right card for your specific situation. It’s harder, but it’s also necessary if you want to make the decision… Continue Reading › The post Best Travel Credit Cards for Airlines, Hotels, and Gas appeared first on Credit Card Insider.
  • Review of the Amex EveryDay Credit Cards

    Kimberly Rotter
    11 Apr 2014 | 2:00 am
    A few weeks ago American Express launched two new credit cards, the AmEx EveryDay credit card and the AmEx EveryDay Preferred credit card. Both cards have an EMV chip. The Offer The EveryDay card comes with 10,000 bonus Membership Rewards points after new cardholders hit a spending threshold of $1,000 within the first three months. The Preferred… Continue Reading › The post Review of the Amex EveryDay Credit Cards appeared first on Credit Card Insider.
  • Three Things To Consider Before Paying Your Income Taxes With A Credit Card

    John Ulzheimer
    10 Apr 2014 | 6:39 am
    "John, if I am unable to pay my taxes by April 15th can I use a credit card and charge the payment to the IRS?  If yes, what's the downside?" 1.  Charging your taxes is not a free service. Thinking that charging your taxes could be a great way to rack up some frequent flier… Continue Reading › The post Three Things To Consider Before Paying Your Income Taxes With A Credit Card appeared first on Credit Card Insider.
 
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    SideHustle HQ

  • Starting a Perfume Business on the Side

    SideHustleHQ
    4 Apr 2014 | 2:22 pm
    These days, luxury consumer goods are often the best way to make serious money as a small-time entrepreneur. High-volume, low-margin businesses are really more appropriate for entrepreneurs with deep pockets. If you’re looking for an entrepreneurial opportunity with the potential for massive profits, a fragrance business is a good place to begin. Launching your own line of perfumes isn’t even that difficult if you know what you’re getting into beforehand. The following rough business outline will help you to get your fledgling fragrance enterprise off of the ground in short…
  • Starting a Kids Bounce House Business

    SideHustleHQ
    21 Mar 2014 | 10:59 pm
    Parents consistently spend billions of dollars every year ensuring that their children create memories that will last a lifetime. Consequently, you can make a lot of money by starting a business that revolves around birthday parties and other events for kids. Founding a bounce house business is one way to take advantage of this bustling industry. Building a bounce house company isn’t as costly as you might think if you plan out your enterprise in advance. By having a solid blueprint in place, you can make a bounce house quite profitable over time. Select Your Business Model…
  • 9 Ways to Make Money with Food, Cooking & Recipes

    SideHustleHQ
    14 Mar 2014 | 2:16 pm
    A decade ago, the term “foodie” was barely on anyone’s radar. Nowadays, you can’t go anywhere online or in the real world without running into it. Such is the strength of the renewed interest in eating well. Clearly, there’s money to be made by exploiting this movement. Here are nine solid ways to make a pretty penny from food-related entrepreneurship. Create a Food Product Let’s start out with the obvious. Launching your own product is the most direct way to profit from your love of good food. Whether it’s specialty popcorn, maple candy, beef jerky,…
  • Starting a Cloth Diaper Business

    SideHustleHQ
    10 Mar 2014 | 6:57 am
    In the pursuit of entrepreneurial success, practically any idea can eventually blossom into a profitable venture. While outside-the-box thinking is always a plus, it’s hardly necessary to make serious money. Oftentimes, getting back to basics is the surest path to profits. A cloth diaper business  is one such enterprise with lots of potential. Nowadays, there’s a major push for quality in commerce. People don’t mind paying more for quality, especially when it comes to their children. Cloth diapers can prove to be a real hit if you go into it with a plan. Outline a Business…
  • 9 Great Ways to Make Extra Money in Retirement

    SideHustleHQ
    7 Mar 2014 | 2:30 pm
    If you’re like most people, you’ve probably spent most of your career anticipating retirement. Ironically, many retirees quickly find themselves looking to get back into the workforce either out of boredom or to make extra money. Starting a side business is a fulfilling way to spend your retirement. Here are a few ideas to get you started. Craft Homemade Goods If you’re not already adept at a handicraft like basket weaving or woodworking, retirement is the best time to pick up such a skill. You can make a pretty penny assembling custom furniture such as desks and cabinets.
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    Covenant Trust Company

  • CTC tips: preparing for Spring and Summer

    CTC - Ruser Saldaña
    14 Apr 2014 | 1:28 pm
    Winter officially ended several weeks ago, but it doesn’t quite feel like Spring yet  – at least, not here in Chicago. But just because the weather hasn’t warmed up yet doesn’t mean you shouldn’t prepare your finances for the warmer weather.  Your expenses and financial goals may change as the weather changes. In the Spring […]
  • Identifying wants and needs

    Covenant Trust Company
    4 Apr 2014 | 5:52 am
    Earlier in the week, we discussed the importance of deciding which of your expenses are needs and which are wants. Today’s infographic from Paula Pant and About.com can help you make those decisions. Remember: there’s nothing wrong with spending money on things you want. However, to reach your financial goals and maintain your financial health, there may […]
  • CTC tips: needs vs. wants

    CTC - Ruser Saldaña
    2 Apr 2014 | 9:54 am
    It’s important for your financial health to identify which of your expenses are needs and which are wants. It can be easy to think of everything we want as things we need: we need an internet connection; we need a car. In certain cases, this may be true. Usually though, we probably only need these things to maintain our […]
  • Kiplinger’s personal finance quiz

    CTC - Ruser Saldaña
    28 Mar 2014 | 8:16 am
    It might be hard to think about quizzes during Spring Break but I encourage you to to take Kiplinger’s personal finance quiz. It has great questions on retirement planning, taxes, credit, saving, and investing. Online quizzes like these may seem trivial and that’s mostly true. Acing them doesn’t necessarily mean you’re a personal finance guru any more than […]
  • Questions for new investors

    CTC - Ruser Saldaña
    25 Mar 2014 | 12:31 pm
    If the world of investing is completely new to you, you might not know where to start. There are thousands of websites and books out there that are designed for beginners – but even sources like those can be intimidating or hard to grasp. So instead of learning about the world of investing from other […]
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    Debt Consolidation USA

  • Despite Student Debt, 70% Of Americans Still Believe In College Education

    Lizzy Bale
    16 Apr 2014 | 4:09 am
    If you think about the student loan crisis, you will realize that we have a long road ahead of us. We have yet to put a huge dent on solving it. In fact, if you look at the statistics, you will realize that it does not seem like we are doing anything to solve it. […] The post Despite Student Debt, 70% Of Americans Still Believe In College Education appeared first on Debt Consolidation USA.
  • 5 Money Concepts You Can Teach Young Kids To Keep Them Debt Free

    Lizzy Bale
    14 Apr 2014 | 6:07 am
    Considering the way we react to our finances, it should be safe to say that we find money concepts quite confusing. Either that or we just do not have the discipline to put what we know into practice. But while financial education is not enough to keep consumers from money problems, you need to understand […] The post 5 Money Concepts You Can Teach Young Kids To Keep Them Debt Free appeared first on Debt Consolidation USA.
  • Top Financial Worries In 2014: 1 Out Of 5 Americans Vote Insufficient Funds

    Lizzy Bale
    11 Apr 2014 | 8:19 pm
    It seems that Americans will never run out of financial worries. There will always be something to worry about: the bills, your job security, the minimum wage, the rising healthcare costs and now, insufficient savings funds. According to PovertyUSA.org there are more than 46 million Americans who are currently living in poverty in the country. […] The post Top Financial Worries In 2014: 1 Out Of 5 Americans Vote Insufficient Funds appeared first on Debt Consolidation USA.
  • Materialism VS Experientialism: What Is Your Spending Style?

    Lizzy Bale
    9 Apr 2014 | 4:39 am
    If you want to break bad spending habits, you need to understand what is causing you to act that way in the first place. That will allow you to really correct the habit that is causing you some form of financial difficulty. Living in a consumerist society like in America, correcting bad spending habits is […] The post Materialism VS Experientialism: What Is Your Spending Style? appeared first on Debt Consolidation USA.
  • What Keeps Your Low Income Household From A Financial Breakthrough

    Lizzy Bale
    7 Apr 2014 | 5:35 am
    Have you ever wondered how you can rise from a low income household? If you come from one, you probably understand the sentiment. Nobody wants to remain poor all their lives. They want to get out of the stressful cycle of living from paycheck to paycheck. But you have to understand that the circumstances surrounding […] The post What Keeps Your Low Income Household From A Financial Breakthrough appeared first on Debt Consolidation USA.
 
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    Personal Finance Blog | LSS

  • How to Pay Collection Debt

    Kate Swenson
    17 Apr 2014 | 11:54 am
    Like so many during the Great Recession, you lost your job and had to prioritize expenses.  Maybe you had to break a cable contract so you could manage the house payment, or you had to defer paying medical bills until things improved.  It wasn’t easy not paying all your bills because you always had, but it was the right thing to do. You are working again.   Maybe earning less than at the job you lost, still things are looking up.  You received a nice tax refund that you prudently hung on to until you had a complete plan for it.   Part of your plan is to pay off some of those bills…
  • How To Get Fit On A Budget

    Kate Swenson
    14 Apr 2014 | 7:29 am
    It’s that time of year again: we’re on the verge of summer. Thank goodness! Many of us hibernated more than normal this year because this winter was, well…let’s just say less than desirable. If you’re like me, it also took away my usual motivation to exercise because I wanted to just curl up on my couch with a blanket and watch Netflix. However, my health is important to me. So here’s what I did to get out that rut, along with other ideas to exercise and get (or stay) fit on a budget. Choose a goal There are many different types of goals out there. My friend asked me if I wanted…
  • Savings 101: Emergency savings vs. periodic savings

    Kate Swenson
    7 Apr 2014 | 11:26 am
    Everyone knows that having money set aside in savings is important, but either we can’t afford to put away money right now or we choose not to because living in the present is much more enjoyable. When you’re cold and miserable stuck in Minnesota during the coldest winter in years, you would likely rather go on a Caribbean vacation than build up savings. In this case, however, instant gratification is probably not worth it if you’re depleting all of your savings or worse - accruing debt. If you go on that trip and come back to a car that needs a repair, you might not have cash…
  • How to manage credit through different stages in life

    Kate Swenson
    4 Apr 2014 | 6:48 am
    People have different views of credit depending on what’s going on in their lives. How good (or bad) our credit is can affect everything from car insurance rates to getting a job to buying a home. Read ‘Why is credit important?’ for more details about how credit impacts our daily lives. Establishing and/or improving credit When you’re just starting out and have no credit or if you’re trying to rebuild your credit after a bankruptcy (for example), a great way to create good credit history is to open up a secured credit card. Do this through your local bank or credit union and make…
  • How Do I Teach My Teen To Be Responsible With Money?

    Kate Swenson
    2 Apr 2014 | 7:01 am
    When my daughter was 15 I started thinking about how to teach her about managing money with real-life tools. I was tired of her always asking me for money to go to the movies or to buy this or that and me usually responding with “no.” It caused stress for me and disappointment for her. So I thought if I gave her an allowance that would cover most of her “extra” expenses in a month (entertainment, clothing, snacks, etc…), that she could learn how to manage it in a safe way, and it would take some stress off of me. I hoped it might even help prepare her for when she found her first…
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    Minting Nickels

  • The Benefits of Trading With Binary Options

    Kyle Taylor
    16 Apr 2014 | 6:21 am
    In the recent times, the binary option has evolved as one of the finest trading approaches which yield higher returns. This is the reason that it has gained a lot of popularity and more people are going for it. Binary trading is though sophisticated but if your predictions are right, there are higher chances of making profits. So if you wish to get better returns then binary option is definitely the most suitable trading. Let us explore how binary trading is beneficial for the people and what are the advantages associated with it. Less risky As compared to the other trading options, binary…
  • How Not To Break the Bank During a Trip to Las Vegas

    Kyle Taylor
    7 Apr 2014 | 10:50 am
    So, you’ve decided to plan a trip to Las Vegas, one of the most popular destinations within the Continental United States. Whether it’s for a weekend-getaway, a bachelor/bachelorette party, a wedding, or an educational conference, it’s no secret that trips to this destination can either be reasonably-priced or cost you a fortune.  However, by planning ahead with some of the tips discussed below, you can make sure that this fun time will also fit within your personal financial limits as well. Be Wise About Spending Money on Drinks and Gambling According to About.com, if you are on the…
  • Do You Know How Australian Money is Made? (Infographic)

    Kyle Taylor
    2 Apr 2014 | 3:53 pm
    So we all know that Australian dollars are some of the most striking currency visually. But, do you know how they make them? In addition to all of those colors, there are a ton of different security features that are included to make the currency unique. We thought’d we share this cool info graphic on how Australian money is made… Courtesy of: LendMe Finance Related posts: How to Get Back on Track… (Infographic) 6 Ways to Make & Save Money with Your Car How to Make Money through Your Hobbies
  • 6 Ways to Make & Save Money with Your Car

    Melissa Batai
    2 Apr 2014 | 6:10 am
    The average Australian family owns 1 car, though from the number of 3 and 4 car garages many new homes have, it’s clear that plenty of Australian families have multiple vehicles. Cars offer great independence, but they can also cost us quite a bit.  From the seemingly never ending rise in gas prices, to monthly lease or loan payments, to auto insurance, to regular maintenance and routine repairs, our cars cost us. However, there are plenty of ways that you can make money from your vehicle.  Consider these five ways: 1. Sign Up for the Office Car Pool Car pools help people save money…
  • Insurance Jargon Explained…

    Kyle Taylor
    29 Mar 2014 | 9:32 am
        They say “accidents happen”, and when they do it is important that those who have been affected are able to claim compensation for their troubles. Unfortunately, claiming on your insurance can be made more difficult by industry jargon. As well as keeping up with the latest news in the world of insurance, it pays to know what some of the more common terms you may come across mean.   Accident year: the year in which a loss occurs; can be measured as a calendar year or an accounting year Agent: insurance agents are independent middle-men who sell policies from…
 
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    Debt RoundUp

  • My Biggest Money A-Ha! Moment

    Grayson Bell
    16 Apr 2014 | 12:00 am
    Today, Debt Roundup and many other great personal finance blogs are sharing their biggest money a-ha moments.  We are part of a financial literacy carnival put on by the wonderful and talented Shannon, from The Heavy Purse. If you didn’t know, April is financial literacy month and I believe it is an important month to celebrate.  This is the month when you can turn around your bad financial ways and start working toward debt freedom and wealth creation.  Today, I am sharing my biggest money a-ha moment with you. My Money A-Ha! If you are a reader of this blog, then you know that I…
  • Want to Start Investing? Here is How!

    Grayson Bell
    15 Apr 2014 | 5:30 am
    Investing can be a scary topic for many.  When I first got out of debt, I had no idea what I wanted to do with my money.  Where would I put it?  How would I grow it?  I was a little ahead of the game because I setup a 401(k) when I first started working.  The issue was that I was not contributing much to it.  That was by design, but that was my first step into investing.  I changed my percentage withheld from each paycheck and started looking at what else I could do.  Investing is only as complicated as we make it out to be.  Yes, there is a slight learning curve, but it is not that…
  • Hey, I Have Another Big Announcement!

    Grayson Bell
    14 Apr 2014 | 7:30 am
    What a better way to spend a Monday than with a great new announcement?  I don’t know of one, so I figured this would be the way to do it.  As many of you know, I am working  hard to diversify my income, but also bring on new web properties into my portfolio.  I have been hard at work with Debt Roundup, but I don’t like to stop at one thing. It is the proverbial eggs in one basket kind of thing.  Earlier last month, John (Frugal Rules) and I launched Sprout Wealth.  The site is growing slowly, which we expected and we are starting to gain some traction.  It is fun to build…
  • Going to be Late Filing Your Taxes? Get an Extension!

    Grayson Bell
    14 Apr 2014 | 2:45 am
    Well, the last day to file your taxes is tomorrow.  Yes, tomorrow is April 15th!  How did it sneak up on you again this year?  Tax season is in full swing from the beginning of the year until April 15th.  It still surprises me how many people are stuck in line at the post office just to get their taxes sent off to the IRS.  I have not paper filed my taxes since I was in high school and I won’t do it again.  This is why e-filing is so darn easy.  Probably my hatred for long lines keeps me going the e-file route, but I also enjoy the ease.  If you are not able to get your taxes…
  • Simple Savings Sunday #15 – Ditch the “Just Replace It” Mentality

    Grayson Bell
    13 Apr 2014 | 5:15 am
    Welcome back to another edition of Simple Savings Sunday!  For those that aren’t aware, my wife and I are looking to buy a home right now. Our home is in the sales process, so we have been looking at homes every night. This process is exhausting.  The area we want to move to is a hot market.  It is hard to find homes and when we do, they are picked up in a day or two.  We have been looking at homes that don’t even have pictures, just because we have no idea if they are good or not.  It is a hot market here my friends.  For this very reason, I want to apologize for not being…
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    Phroogal Blog

  • Control Credit: A Review of Credit Sesame

    The Phroogal Jason
    17 Apr 2014 | 10:09 am
    These days, your credit score is the most important 3 digit number you’ll come across in your lifetime. With a good credit score, you’ll be able to qualify for a mortgage, great credit card, and better auto loans. In some cases, a good credit score can even help you land the job of your dreams. However, with poor credit scores, all of that may seem to be out of reach. That being said, every single consumer has a need to know what their credit score is, and what they can do to make it better. That’s what Credit Sesame is all about. What Is Credit Sesame? Credit Sesame is an online app…
  • 12 Questions on Credit Reports and Credit Scores You Wanted Answered

    The Phroogal Jason
    16 Apr 2014 | 1:45 pm
    Some of our most read blogs pertain to demystifying credit reports and credit scores. In fact, when went live with Phroogal.com we found many questions being asked and added into the database pertained to credit. We’ve compiled the Top 12 Questions You Wanted Answered About Credit Reports and Credit Scores. 1. What is a credit report? A credit report contains information about your credit history and the status of your credit accounts. This information includes how often you make your payments on time, how much credit you have, how much credit you have available, how much credit you are…
  • Spending Habits: Spend to Live – Part II

    The Phroogal Jason
    16 Apr 2014 | 4:00 am
    Our spending habits impact our rationale in making better financial decisions. Read Part I – Spending Habits - How You’ve Spent Your Gross Paycheck Matters Spend to live has been my motto for years. It doesn’t mean spend till you’re drowning in debt. It means prioritizing different types of spending. From things you need to survive from things you desire. Housing, food, clothing and transportation are necessary expenses. The types of housing, food, clothing or mode of transport you choose is solely up to your choices. Spend to live includes expenses that you are obligated…
  • The First Time I Got Hacked Online

    The Phroogal Max
    13 Apr 2014 | 9:18 pm
    With the recent news of the Heartbleed Bug and my first instance of fraud, I’ve really thought about the possible consequences of having my online accounts hacked recently. It dawned on me that I at some point in time, I have put really important information of mine on the Internet, and that if it gets in the wrong hands, I could actually be really screwed. A lot of people, like myself, store things like our credit card number into websites we trust, all out of convenience. The truth is that it is convenient to not have to type in all of your passwords and numbers, but all it takes is one…
  • Young Adults: What To Do With 4 Years of Textbooks

    Phroogie Guest Blogger
    11 Apr 2014 | 4:00 pm
    Written by: Jeff C. Congratulations on Graduating! Now what about all of those books? Well done! You’ve made it through college and now it’s off to grad school, your first real job, giving your start-up dream a go, or embarking on a life-changing experience like the Peace Corps. Or maybe you’re just taking some time to figure out what’s next. While your future is uncertain (both scary AND exciting), that you need to clear out your dorm or apartment and get rid of non-essentials is most certain. Some of your stuff you’ll take with you on your next endeavor, other stuff you’ll give…
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    Student Debt Relief | Student Loan Forgiveness

  • Federal Student Loans and For Profit Colleges

    Demetrios Sourmaidis
    21 Mar 2014 | 7:54 am
    In attempting to strengthen the student loan process and keep funding moving for students attending reputable schools, the Obama Administration has revised a series of regulations designed with For Profit Colleges in mind. The idea is to tie access to Federal financial aid to the success of graduates of these schools. What is a For […]The post Federal Student Loans and For Profit Colleges appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Historically Black Colleges and PLUS Loan Issues

    Demetrios Sourmaidis
    8 Mar 2014 | 5:57 am
    As we’ve written before, changes to the PLUS loan program resulted in actually harming middle and lower-class students; closing off an income avenue to attending school.  This disproportionately affected historically black colleges and universities and the students who wish to attend them as a larger percentage of African-American students and parents make use of both the […]The post Historically Black Colleges and PLUS Loan Issues appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Student Loan Issues To Watch For In 2014

    Demetrios Sourmaidis
    27 Jan 2014 | 9:27 am
    Although Congress did keep the student loans interest rates at their current levels, there are still several issues that they will need to deal with this year. Interest rates will increase for the 2014-2015 school year, loan counseling needs to be overhauled and recent changes to PLUS loans are having some unexpected affects. The break […]The post Student Loan Issues To Watch For In 2014 appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Student Loan Balances and Defaults Explode In Oregon

    Demetrios Sourmaidis
    14 Jan 2014 | 8:12 am
      As we’ve pointed out before, Oregon is one of the states no longer waiting for the Federal government to take the lead and resolve the underlying problems of the Student Loan Programs.  Their “Pay It Forward, Pay It Back” Program may wind up being a template or at least a springboard for them and […]The post Student Loan Balances and Defaults Explode In Oregon appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Should The States Take Over Student Loans?

    Demetrios Sourmaidis
    27 Dec 2013 | 9:49 am
    Although it may be unreasonable for the states to take over all student loans, the good people of Wisconsin have had enough of the existing student debt cycle.  A number of their State elected officials have put together a plan to refinance student loans and provide an annual tax deduction for Wisconsin residents paying off their […]The post Should The States Take Over Student Loans? appeared first on Student Debt Relief | Student Loan Forgiveness.
 
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    Financial Advice

  • Cash Crunch: 5 Ways You Could get Quick Cash Within a Day

    Hannah Whittenly
    15 Apr 2014 | 2:22 pm
    It happens to the best of us. Payday is a few days away, but you need cash now. Maybe your car broke down or your kids need money or a field trip at school. No matter the reason, here a few ways to get extra cash to help you make it to payday. Use Your CarOffer to give someone a ride. Websites like Uber and Lyft allow you to connect with visitors to your city that need a ride. You simply input the times you are available and customers will come to you.Pros: You can make extra money and meet interesting people. Cons: You never know who you are going to meet, so this could be a bit risky.
  • Loan Checklist: Comparing Five Quick Loan Options

    Hannah Whittenly
    3 Apr 2014 | 2:17 pm
    Sometimes, emergencies occur that require a quick source of money. There are several different loans that are available that will be able to provide access to this money.1. Small-Dollar LoansBecause of the increasing need for smaller, short-term loans, the FDIC created the Small-Dollar Loan Pilot Program in 2008 that makes money available for loans less than $1,000 at roughly the same ease of access as payday loans, but without the high APRs and fees. The APRs for these loans tend to be between 5% and 36% and are slightly more difficult to obtain, but are usually relatively safe.2. Payday…
  • Quick Rundown of the Legal Side of Bankruptcy

    Hannah Whittenly
    28 Mar 2014 | 8:28 am
    All bankruptcy cases are taken care of through any of the three bankruptcy courts that are based in Pennsylvania. Although the United States codes for bankruptcy are uniform in every state, there are various regulations that are based on data from each state. For example, every bankruptcy court has its own specific rules concerning managing cases and filing petitions. Here is a quick rundown to help you understand the legal processes in bankruptcy.Chapter 7 Bankruptcy Laws Anyone is eligible to take advantage of a Chapter 7 bankruptcy. However, it is not always the best option. It is normally…
  • Navigate Your Way Out Of Debt with These 4 Methods

    Hannah Whittenly
    13 Mar 2014 | 3:20 pm
    Many people struggle with debt, so you are not alone. Getting out of debt is possible, but it takes time, money and effort. If you are tired of living under a mountain of debt, consider these four methods for finally breaking free.Consolidate DebtsFind out if you are able to consolidate all your debts into one lump sum. This takes all your smaller bills with high interest rates and combines them into one bill with a lower interest rate. If you are unable to lower your interest rate with this method, it may not be the right option. If you do choose to consolidate your debts, don't assume the…
  • Here are Ways to Save Money on Your Mobile Data Plan

    Michael Vincent
    21 Feb 2014 | 2:08 am
    These days, it’s common to see everyone online, all the time. A few years ago, online meant routers and splitters and bulky internet devices. Then, mobile internet came and changed the name of the game. Now, everyone can check their emails or browse through webpages—no longer on bulky laptops or heavy laptops—but on small, sleek, and stylish smartphones.  All-day access is, of course, a nice thing to have. But it could give you sky-hill bills if you’re not careful. So, if you want to learn how to save on your mobile data plan, here are a few suggestions:Turn Off Features You…
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    Investing in Your 401k Kid | Investing in Your 401k Kid

  • Twelve Age-Appropriate Ways to Teach Kids About Money

    Bret
    9 Apr 2014 | 10:35 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids By: Pawel Loj Many parents find that talking to children about money is awkward, but it’s just as important to talk to your kids about money as it is to talk to them about the facts of life, choosing good friends, or the dangers of drugs. If you look back at your younger years and cringe at how you handled money, recognize the opportunity you have to help your children do better. Here are 12 age-appropriate ways to teach children how to save money: Ba a good example for your children Give young kids a piggy…
  • Take the ACT or SAT Exam Early for Financial Gain

    Bret
    2 Apr 2014 | 3:33 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids By: Alberto G. Hey!  It’s ACT and SAT season again!  Most high school seniors have already taken their exams, because they wanted to get scores back earlier to make their entrance decisions.  But what about younger students?  Did you know that there’s no minimum age requirements to take the exams?  And did you know that there are a ton of benefits for taking them early, and often? Our sons started taking these exams as early as sixth grade.  They didn’t score particularly well at first…
  • Dogs Can Teach Kids About Money, Too

    Bret
    26 Mar 2014 | 4:34 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids If you have a family pet, and kids older than seven or eight years old, it’s likely that you’re giving some of the responsibility for taking care of the pet to your child. This is a great idea – it not only helps teach a child some responsibility and compassion, but it also makes your life just a bit easier. For older teens, you might think of upping your game, for an even bigger payoff: have your child take responsibility for managing the pet’s finances, as well. Wait? What’s that? Your pet…
  • Chore Magnets – A Creative Chore Chart

    Bret
    19 Mar 2014 | 7:10 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids We’re big fans of having kids do chores just as a way to “pull their own weight” around the house – but we’re also fans of having extra chores available to earn some spending money, or some other privileges.  Chore Magnets are a great way to get your kids motivated into taking on some bonus jobs around the house. Here’s how it works: Make a list of jobs you’d like done around the house.  Some of these don’t even need to be “jobs” – you could…
  • Who Knew Insurance Could Be a Teaching Tool?

    Tracie
    5 Mar 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids This year the kids’ high school gave us the perfect opportunity to teach them about a new financial concept – insurance. At their school each kid is issued an iPad that is theirs to keep for their entire school career.  The kids are free to add apps to it, use it outside of school and pretty much do with it what they’d like, with a few exceptions: It must be fully charged and present in all classes All apps must be parent approved iPads can be searched at any time for inappropriate content Damage…
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    iMoney.ph

  • 5 Extreme Money Saving Tips [VIDEO]

    imoney
    16 Apr 2014 | 3:20 am
    Saving money is tough task for most of us, it requires a lot of delaying gratification and intense self – control, but how far are you willing to go to save money? This video was aired on TLC in the US, though these are extreme ways of saving money, you are free to do it for yourself. Don’t Use Toilet Paper According to the makers of Charmin (a toilet paper brand in the United States) on an average person uses 20,805 sheets of toilet paper per year. Multiplying that by four would get you to 83,220 sheets of toilet paper that can be used by a family. A normal roll of toilet paper…
  • Summer Jobs For Students That Pays

    imoney
    15 Apr 2014 | 4:36 am
    Summer time is not only the time to visit the beach and relax, but also that time of the year when you can actually be productive and be part of the workforce. For some, they maximize this time to gain employment or work as a freelancer. Whether you are looking to boost your bank account for the incoming 2014-2015 school opening, or you are planning to find work experience early in the game, a summer job opportunity is always a good option. What do you need to have? Before getting excited with our list of job opportunities for the summer, it is important to look at the possible requirements…
  • When Does Buying a Home Make More Sense Than Renting?

    imoney
    15 Apr 2014 | 3:48 am
    Many of us working-age folk grew up in an environment where home ownership is held in high esteem. Our parents and grandparents have instilled in us the importance of owning a home where to raise a family and live out the rest of our day. My dad, for instance, was able to save up for a parcel of land in his mid-30s, build a house for his family of 11, and then eventually bought a small farmstead not far from our home. Although both houses are projected continuously being improved, he’s now looking forward to his retirement as all of us kids are of working age and have fled the family nest.
  • 10 Most Popular Online Scams in the Philippines

    imoney
    10 Apr 2014 | 1:35 am
    The internet provides us with anonymity. Though this is a good thing in terms of voicing out your opinion, it is also the main reason why a number of scams exist. People use the internet to hide their identities. If you have been using the World Wide Web for quite some time, you may be aware of some shady practices that can get you into trouble. In fact, some scams online are intricately planned, to the point where it looks legitimate at times. Here are some of those scams that you might want to avoid. Sulit Laptop Scam Sulit has been a household name for those trying to sell. Whether you…
  • PHILIPPINES: No Longer Asia’s Sick Man

    imoney
    8 Apr 2014 | 11:54 pm
    “High investment and business opportunities are reasons behind these nations bearing a great potential” – Coface http://www.imoney.ph/articles/assets/Losing-to-the-PH.mp4 Move over BRICS, PPICS is taking over. All eyes were on BRICS in 2001 when it comes to their economic growth. What do you expect from five nations comprising of Brazil, Russia, India, China and South Africa hold the world’s population up to 43%. It’s a sleeping economic power waiting to explode, and so it did from 2001 and the next ten years. At present, this has greatly changed. Due to the lack of response to…
 
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    Personal Finance Utopia

  • Perfectionists Listen Up! This Accounting Concept Can Help

    Mr. Utopia
    9 Apr 2014 | 10:04 pm
    Hi. My name is JC and I am a perfectionist. I strive to be as thorough and accurate as possible in nearly every given situation. Sometimes the outcome is a rewarding job well done. More often than not, I get bogged down in all of the details – striving to ensure complete accuracy in exchange for inefficient use of time and, unfortunately, frustration.Don’t confuse perfectionism with being an overachiever. The two often go hand-in-hand, but can be mutually exclusive. And when your perfectionism is not helping you overachieve, then watch out, it can be a recipe for disaster. I often…
  • Graduates – Welcome to the Real World!

    Mr. Utopia
    6 Apr 2014 | 11:34 pm
    Today I am happy to share a guest post from Syed at The Broke Professional. In this article, Syed examines the many financial challenges faced by recent graduates. Please be sure to share your thoughts and feedback in the comments section.Times they definitely are a changing. I’m pretty sure it was someone who grew up in the Southern US who said that, but it applies to the whole world at the moment. And it couldn’t be more true for those that are graduating with a professional degree. Be it a new graduate in medicine, business, law, engineering, dentistry or optometry (my…
  • Career Advancement: Stay Put or Jump Ship?

    Mr. Utopia
    2 Apr 2014 | 10:17 pm
    Career advancement is on the forefront of nearly everyone’s mind. From entry level to middle-management, employees seek ways to enhance their upward mobility. Even executive management jockeys for position in the hopes of advancing higher up.The way a junior employee seeks a promotion will be different from a senior manager. For instance, someone just embarking on their career will likely concentrate on gaining experience or honing excellent customer service skills. Conversely, a seasoned manager will be more focused on high level performance to gain an inside edge.While there may be…
  • A Money Mindset: Do You Have One?

    Mr. Utopia
    30 Mar 2014 | 10:43 pm
    Think about your typical day. You’ll likely make hundreds of decisions as the day unfolds. A few of these choices will be big and the others small. Unless the choice to be made has heavy impacts, there’s a good chance you could go through your entire day without so much as giving things a second thought.Your brain is programmed to automatically assess situations and make decisions as efficiently as possible. We don’t wrestle for hours on what shirt to wear to work (well, I’m sure some women probably do ) or how much toothpaste to put on our toothbrush. As humans, we…
  • Is the Home Mortgage Interest Deduction Worthless?

    Mr. Utopia
    26 Mar 2014 | 10:32 pm
    Ah, home ownership – it is an integral part of the “American Dream.” There are some people who prefer to rent for various reasons, but the vast majority of us have a deep down desire to own our home. We want to be able to call the house ours. Somehow a house feels more like “home” when your name is on the title.The benefits of purchasing a home are numerous. Some of those advantages include:Building equity through the principal portion of your mortgage paymentPotential for unrealized gains via home value appreciationThe ability to lock those gains in – most…
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    Find Your Balance

  • Quinceanera Saving Tips

    llok11
    17 Apr 2014 | 8:45 am
    Your daughter’s 15th birthday is only going to happen once and you want to make it special. But you also want to contribute to her college fund and maybe help her out with buying a car at some point. While a Quinceanera can easily run into tens of thousands of dollars, there are ways to keep the costs under control and have money left over for other financial goals. Have a budget When your daughter wants that special something for her celebration, it can be hard to say no. However, if you develop a budget for the Quince before you start shopping, you give yourself a better chance of…
  • When to Pull the Plug on your Small Business

    llok11
    15 Apr 2014 | 8:45 am
    If you’ve ever operated your own business, you know how personal its success can become. Pondering the end of the endeavor can feel like preparing to end a cherished relationship. But as many successful executives will tell you, knowing how to fail prepares you to succeed. Thus, knowing the warning signs for calling it quits can help you move onto better things. Preset limits Ideally, you would have started your enterprise with a way of measuring when it was time to pack it in. If you didn’t do that as a part of your original business plan, you need to do it now. Otherwise, in…
  • Heartbleed

    llok11
    14 Apr 2014 | 12:34 pm
    Earlier this week, it was revealed that a flaw in a common piece of computer software used to protect sensitive information was actually making that data vulnerable to identity theft. Known as the “Heartbleed” vulnerability, this loophole in the OpenSSL system of data encryption has threatened to offer criminals a path to private information on: Mobile devices Computers Email systems Social media sites Financial websites E-commerce sites Other electronic records of sensitive data Upon learning of this potential issue, BALANCE immediately initiated an assessment of all our SSL sites and…
  • Why you Should Have a Business Checking Account

    llok11
    10 Apr 2014 | 8:45 am
    If you own a business and have been using your personal checking account for company expenses, there are several ways a business checking account could help you. It may be required If your business is an LLC or a corporation, you are legally bound to keep its expenses separate since your company must be kept apart from any individual dealings. Accounting If your personal and business expenses are muddled, you’ll need to pay an accountant more to sort through everything – or waste more of your time doing it on your own. Tax preparation Separating your business expenditures from…
  • Post-Foreclosure Financial Action Plan

    llok11
    8 Apr 2014 | 8:45 am
    If your home has been foreclosed and you’ve moved out, you may have feelings of shame and hopelessness. But you should know that there are steps you can take to start bolstering your financial life. Secure housing, perhaps with an apartment lease or through an arrangement with a loved one. If you are not able to find housing on your own, dial 211 or 311 for a list of local organizations that can help. You can also call the Department of Housing and Urban Development at 800.225.5342. If your job requires a security clearance, talk with your superior about the impact of foreclosure to your…
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    snarkfinance.com

  • Extreme Cheapskates:Bathroom Edition

    Mitchell Pauly
    31 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!I am a cheapskate of a guy when compared to your average American sheeple.  I save money by eating out sparingly, cutting down on driving, ensuring that my spending is in line with my needs and not necessarily my wants, and by not having any affairs on my wife.  Since I have managed to save […]snarkfinance.com - Welcome to Snarkfinace!
  • A Great Investment: Your Body

    Mitchell Pauly
    24 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!Investing in you body is a great investment.  Face it, pop-culturally speaking, the fat guy rarely gets the girl.  Seth Rogen aside, we’re all able to admit that this is true.  What we are all not willing to admit is that this is often true in real life as well.  While I’m sure we have […]snarkfinance.com - Welcome to Snarkfinace!
  • Dealing with Bad Bosses: Where is the Line?

    Mitchell Pauly
    20 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!  Bad bosses are pandemic in America, like binge drinking and twerking.  The U.S has roughly 100 million full-time working professionals and 70% of them report being unengaged at work or actively disengaged.  Since 2000 that figure has remained relatively flat[1].  No wonder Facebook has grown immensely in popularity. Bad bosses may be to blame: […]snarkfinance.com - Welcome to Snarkfinace!
  • Cutting Cable By Streaming Your Entertainment

    Mitchell Pauly
    17 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!Comcast, RCN, Time Warner and Verizon all are out to rip your off.  They think you aren’t savvy enough to cutting cable.  Presently, they are likely correct.  Roughly one-third of Americans have digital cable, according to the National Cable and Television Association[1], and the number grows to about 58% when non digital cable customers are […]snarkfinance.com - Welcome to Snarkfinace!
  • Review of Lending Club: a Fringe Investment

    Mitchell Pauly
    10 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!Sometimes we need money we don’t have and for this there is debt.  For many in the personal finance realm, debt is akin to a creepy admirer who follows you around reminding you of your poor alcohol induced decision making.  The fact is debt is often unavoidable if you want to own a house, buy […]snarkfinance.com - Welcome to Snarkfinace!
 
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    Options Rising Star-

  • Events 1

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

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

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

    Pok Chow
    9 Feb 2014 | 4:44 am
    Dear all, I think there is some problems with the application form for the “Unfair Advantage” report that I wrote. I just did a test and there seems to be a problem. If you have requested for the report but have never gotten a reply from me, it’s not because I’m ignoring you, it’s that I didn’t receive your request. Shoot me an email directly with your name to neopokchow@gmail.com and I’ll reply you ASAP. Apologies Pok Chow The post Unfair Advantage Download appeared first on Options Rising Star-. Related posts: Update
  • Triple Oh Yeah

    Pok Chow
    4 Feb 2014 | 5:47 am
    Triple Oh Yeah   And they say it’s gonna go up and up and up! That’s toy story’s Buzz Lightyear, not the market. Market’s down. Ohh yeah! VIX over 20! Ohh yeah! And finally, STI went below 3000 (analyst says it wouldn’t happen). Oh yeah! There you have it. Bang bang bang! Nailed all 3 of them. Today, I told my dad to take a look at STI, rmb he’s a long term investor. No rush yet of course, I just informed him to take a look. That’s all. As for the US market, as premium sellers, when the VIX is up, you better be active with putting on positions!
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    Gajizmo.com

  • 150 Famous Quotes By Famous People

    Gary
    7 Apr 2014 | 3:23 pm
    Famous quotes are famous for a reason – they motivate, inspire, and teach us to live better, happier, and more successful lives. The best quotes provide us insight into life, death, love, work, success, failure, entrepreneurship, education, change, etc. and are universally accepted truths, regardless of your own experiences, hardships, and opinions. The following are some of the most famous quotes by famous people, including Einstein, Abraham Lincoln, JFK, Winston Churchill, Steve Jobs, John Lennon and the like. Famous Quotes “Your time is limited, so don’t waste it living…
  • What Is A Good Credit Score?

    Gary
    25 Mar 2014 | 2:22 pm
    A good or bad credit score can affect every facet of an individual’s or family’s financial life, from mortgage rates and auto loans to employer background checks and life insurance rates. Lenders, landlords and even employers consider a credit score a reflection of an individual’s reliability and honesty – correlating an individual’s management of their personal finances to their level of responsibility, integrity, and business or financial skills. Generally speaking, a good credit score is anything above 720; however, different credit bureaus use different formulas and…
  • Best Business Schools For An MBA – 2014

    Gary
    21 Mar 2014 | 3:02 pm
    The dynamics of MBA programs and business schools have changed the last few years, and not just in terms of higher median GMAT scores, GPAs, and lower acceptance rates due to higher application numbers, but also in regards to huge increases in full-time tuitions and total costs of attendance per year. Even application costs have become astronomical when you consider application fees, GMAT preparation classes, exam costs, and visits to post-graduate campuses, meaning applicants aren’t just competing with the best and brightest any more, but with candidates who are well-funded and/or…
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    Personal Finance AdvicePersonal Finance Advice

  • 3 Home Exterior Maintenance Jobs that can Save you Money Later

    Chris Bibey
    11 Apr 2014 | 5:44 am
    When it comes to the exterior of your home, there is nothing more important than keeping up to date with regular maintenance. The longer you avoid this the worse things are going to get. Not only can this wreak havoc on the overall appearance of your property, but it can go a long way in costing you plenty of money over the long haul. Is this a risk you are willing to take? Tip: when you perform regular maintenance, your home will never “get ahead of you.” Therefore, you will not find yourself faced with time consuming, expensive tasks down the line. Although each and every homeowner is…
  • Need an Online Coupon Code? 5 Tips for Finding One

    Chris Bibey
    28 Mar 2014 | 6:15 am
    If you enjoy shopping online, you are probably aware that a coupon code can save you quite a bit of money. While these are often times simple to find, there are situations in which you may run into a challenge. Some retailers distribute online coupon codes on a regular basis, while others hold back for one reason or the next. If the time has come to make a purchase but you don’t have a coupon code to use, these five tips can help you find one without delay: 1. Search the internet. It goes without saying that this is the best way to dig up a coupon code. From services, such as RetailMeNot,…
  • 5 Ways your Realtor should be Marketing your Home

    Chris Bibey
    14 Mar 2014 | 5:29 am
    When you put your home on the market, there is one thing going through your mind: selling it as quickly as possible for as much money as possible. While this may be your goal, whether or not you accomplish it is another thing entirely. Most people understand the benefits of hiring a realtor. This person will work on your behalf, doing whatever they can to sell your home quickly and for a big profit. With so many realtors in a given area, you are never going to be lost when it comes to finding a person who can help. When making a decision, you should put a lot of stock into which realtor has…
  • What are the Benefits of Buying Car Insurance Online?

    Chris Bibey
    27 Feb 2014 | 4:24 am
    Many years ago, buying a car insurance policy meant one of two things: Calling various companies on the phone, hoping to find an agent who was able to meet your needs Meet with agents in person Either way, you were sure to spend a lot of time on the process. Along with this, you never really knew if you were getting a good deal. In today’s day and age, there are benefits of using the internet when it comes time to buy a policy. When compared to strategies of the past, this is an entirely new way of doing things. Here are five benefits that should get you excited: 1. No more wasted time.
  • Life Insurance Myths that could Cost you Big Time

    Chris Bibey
    21 Feb 2014 | 7:29 am
    When buying life insurance, there are going to be many details moving through your mind. Among the most important is this one: you are going to pass on at some point in the future. Not exactly a fun thought, is it? Despite the fact that buying life insurance can be a bit of a downer, if you truly care about your finances it is a purchase you need to make at the right time. There are many life insurance myths that have cost people a lot of time and money in the past. If you are not careful, one or more of these could take you down the same path. Five Common Life Insurance Myths To ensure that…
 
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    Mad Fientist

  • Forever Jobless – Internet Business Investing

    The Mad Fientist
    7 Apr 2014 | 7:50 am
    Billy Murphy from ForeverJobless.com is a successful entrepreneur and ex-professional poker player who joined me for an episode of the Mad Fientist Financial Independence Podcast to share some of his business knowledge and talk about his experiences investing in internet businesses. What if I told you you could create $2,000 of monthly recurring income from a single $25,000 investment? Thanks to the low multiples some online companies are selling for, you could potentially fund your early retirement with a very small initial investment. Billy takes us through how he went from being a…
  • How to Retire Early with 13 Kids

    The Mad Fientist
    20 Mar 2014 | 6:02 am
    A reader named Rob recently left a comment on the FI Laboratory post saying that according to the FI Tracker, he’ll be able to retire in 13 years. While achieving financial independence in 13 years is great on its own, what makes this number extremely impressive is that he’s doing it on a single income and he has 13 kids! I asked Rob if he’d be interested in writing a guest post to tell his story and thankfully, he said yes. Take it away, Rob! You have how many kids? 13. Seriously? I wouldn’t joke about something like that, cry maybe, but joke? Never. Don’t you know what…
  • FI Laboratory

    The Mad Fientist
    6 Mar 2014 | 11:52 am
    Today, I’m excited to release the first version of the FI Laboratory! The FI Laboratory is a web application I’ve been working on that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on a wall chart. While tracking your progress is a great idea, I can’t imagine anyone in this day and age would want to sit down with a ruler and a pencil every month so I decided to create…
  • Guinea Pig – Update #1

    The Mad Fientist
    19 Feb 2014 | 7:55 am
    If you didn’t understand why I’m a big fan of tax-advantaged accounts before, this post will convince you. Welcome to the first update in our Guinea Pig experiment, the experiment where we start from scratch and watch the entire journey of someone going from $0 net worth to financial independence. Thank you to everyone who participated in the survey included in the first post of this series – Crowd-Sourced Financial Planning. Here are the results: Survey Results Income $40,000 – 12% $50,000 – 15% $60,000 – 19% $70,000 – 15% $80,000 – 12% $90,000…
  • Front-Loading

    The Mad Fientist
    5 Feb 2014 | 7:11 am
    I wonder what my HR department thinks of me. Not only am I probably one of the youngest employees maxing out all of the available tax-advantaged accounts, I recently elected to divert nearly my entire paycheck toward these accounts. Since I’ll be quitting my job sometime this year, I want to make sure I take advantage of my contribution allowances while I still can so I’m contributing as much as possible for the first part of the year. This move got me thinking about whether front-loading your tax-advantaged accounts is a good thing to do every year. There are a few reasons this…
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    Getting Ahead, A Personal Finance News & Exchange

  • Small Changes for Big Trade-In Value

    16 Apr 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/small-changes-for-big-trade-in-value.jpg?sfvrsn=2" alt="Small Changes for Big Trade-In Value" title="Small Changes for Big Trade-In Value" /></p> <p>Nothing beats the feeling of driving your brand new car off the lot &mdash; until that nagging voice in your head reminds you that the minute you left the dealership, the car&rsquo;s value dropped. An average of 11%, by the way. </p> <p>But here&rsquo;s how to keep that upbeat feeling going…
  • 10 Ways Online Banking Can Improve Your Life (and Save the Planet)

    14 Apr 2014 | 8:21 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/10-ways-online-banking-can-improve-your-life-(and-save-the-planet).jpg?sfvrsn=2" alt="10 Ways Online Banking Can Improve Your Life (and Save the Planet)" title="10 Ways Online Banking Can Improve Your Life (and Save the Planet)" /></p> <p>You might have known that online banking is convenient, but did you also know that it can help you improve your credit, cut the clutter in your home, carve out a comfortable retirement, <em>and</em> save the planet?
  • Funding the Dream: 8 Tips on How to Pay for College

    9 Apr 2014 | 5:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/funding-the-dream-8-tips-on-how-to-pay-for-college.jpg?sfvrsn=2" alt="Funding the Dream: 8 Tips on How to Pay for College" title="Funding the Dream: 8 Tips on How to Pay for College" /></p> <p>While college is an expensive proposition, not going can be even more costly. According to a recent Pew Research Center poll, college graduates outscored their less educated peers across a wide range of economic and career satisfaction measures. College grads earned more,…
  • Late or Missing Car Loan Payments: What You Need to Know

    7 Apr 2014 | 7:22 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/shutterstock_165850418.jpg?sfvrsn=0" title="shutterstock_165850418" /></p> <p>Missing and late car payments can have a disastrous impact on your credit, make it harder to purchase a future vehicle, and even lead to repossession. Avoid the financial domino effect of missing and late car payments by knowing the risks and how you can reduce them. If you do, you&rsquo;ll have a far less bumpy road ahead.</p> <p style="text-align:…
  • When It Comes to Tax Deductions, There’s No Place Like Home

    2 Apr 2014 | 7:09 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/when-it-comes-to-tax-deductions-there's-no-place-like-home.jpg?sfvrsn=3" alt="When It Comes to Tax Deductions, There's No Place Like Home" title="When It Comes to Tax Deductions, There's No Place Like Home" /></p> <p><span style="font-weight: normal;">Many tax deductions are overlooked by the typical filer, and a number of them are associated with your home. Here are some home-related potential tax savings to investigate before the looming April…
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    Rate Zip News

  • What is a living trust?

    Cathy
    16 Apr 2014 | 2:00 am
    A living trust is an estate planning document used to distribute property upon death while avoiding probate court. It is called a “living” trust because it is created while the property owner is alive, rather than upon his or her death. When you create a living trust, you transfer ownership of your assets into the trust, which is then administered for your benefit (usually with yourself as trustee). Upon your death, the trust’s assets are distributed according to your wishes. Most living trusts created as part of an estate plan to avoid probate are revocable, meaning the…
  • Interest Rate News: Debt is up, Rates are down

    Stephanie Halligan
    15 Apr 2014 | 2:00 am
    Feel a little more flexible with your credit card spending lately? Staring at that pile of student loan debt like it just won’t go away? Did you just take out a mortgage to buy the house of your dreams? You’re not alone. Debt is on the rise for everyone in the U.S. and interest rates are down. According to the latest from the Federal Reserve Bank of New York, household debt (which includes things like the mortgage, credit card debt and student loan debt) increased by the largest amount since the end of 2007 – leading up to the big economic tanking in 2008. Now we see debt on the…
  • How to Use a High Insurance Deductible

    Miranda Marquit
    14 Apr 2014 | 2:00 am
    One of the best ways to save money on insurance is to get a policy with a high deductible. Whether it’s health insurance, car insurance, or homeowner/renter insurance, a high deductible can mean a lower premium — and savings every month. However, before you decide to boost your insurance deductible, it’s important to consider your situation, and prepare. This is especially important when it comes to health insurance. What is a High Deductible? Your deductible is the amount you pay out of pocket, before the insurance company starts paying. You might have a $500 deductible on your car…
  • What are you saving for?

    Erin El Issa
    11 Apr 2014 | 2:00 am
    Most of us want to save money. Because that’s what you’re supposed to do, right? Save at least 20% of your income? However, many of us either aren’t saving or hate saving for one big reason — we don’t know what we’re saving for. There are a million reasons to save, but these reasons may differ wildly from one person to the next. For example, one couple may be diligently saving to buy a home, while their closest couple friends aren’t interested in owning real estate. So what is their motivation to save? This answer will be different for absolutely everyone. While there are…
  • When an ARM might make sense

    Miranda Marquit
    9 Apr 2014 | 2:00 am
    We’re often told that an adjustable-rate mortgage (ARM) is a Bad Idea when buying a home. After the recent mortgage crisis, ARMs got an even worse reputation. However, even though an ARM can be devastating to some homebuyers, it’s not always a terrible idea — if you know how to make it work for your situation. Lower Interest with an ARM One of the biggest advantages of an ARM is the fact that you pay a lower interest rate at first. As of this writing, the average mortgage rate for a 30-year fixed loan is 4.33 percent, while the average rate on a 30-year 5/1 ARM is 3.37 percent. You…
 
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  • 9 Ways to Profitable Procrastination

    J. Money
    17 Apr 2014 | 3:28 am
    “A fundamental fact escapes the notice of most consumers: buyers have almost complete control over the timing of their purchases (except in rare cases of unanticipated emergencies). Think about it. The seller can’t hold a gun to your head and force you to buy its product. The choice of when to pull the trigger is actually yours. Until the moment you buy, you hold the power. After that, of course, the money is out of your pocket and into the seller’s. But if you’re patient enough, it’s easy to leverage your timing of purchases into huge benefits…” Check out all 9 tips…
  • The Joy of Spending

    J. Money
    17 Apr 2014 | 3:18 am
    “You have to spend, so you may as well do it with joy rather than resentment. Rather than fixating on expenses as a loss, think of the gain you’re bringing to others. Every time you spend money, you’re contributing to someone who is working to provide you a product or service to make your life better and easier. This train of thought will help create an abundance mentality in your life rather than perpetuating stressful feelings of lack and scarcity.” Check out the entire article here: SeeDebtRun.com —— [Photo cred: Filter Forge]
  • You Can’t Beat the Market

    J. Money
    17 Apr 2014 | 3:08 am
    “Whenever you buy or sell a stock the person on the other side of the trade is most likely smarter than you, more experienced than you, and has resources you can’t match. Under these conditions it is almost impossible for you to beat the market.” Read the entire (entertaining) article here: MicawberPrinciple.com —— [Photo cred: Pete Bellis]
  • 5 Unconventional Truths About Money

    J. Money
    16 Apr 2014 | 3:24 am
    “Truth: Given enough time, unexpected expenses are very expected! For example, I knew that I would get a traffic ticket approximately every two years, so I could create a sub-savings account (“Stupid Mistakes”) to plan for it. I didn’t know when… but I knew it would happen.” Check out the entire (funny, yet true) article here: IWillTeachYouToBeRich.com ——- [Photo cred: Bailey Weaver]
  • How 17 People Paid off $1,000,000 of Debt

    J. Money
    16 Apr 2014 | 3:14 am
    “It’s easy to feel like you’re alone in your struggle. Except of course you’re not. There are plenty of people who’ve paid off vast amounts of debt. They’ve been through the same difficult times you’re facing now. And they’ve come out the other side smelling of roses… Hopefully the stories below will not only provide you with inspiration that is it possible to become debt-free, but additionally provide some guidance and tips on the best way to pay off debt based on the experiences of others.” Read all 17 (inspiring) stories here: FrugalityMagazine.com…