Personal Finance

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  • 5 Financial Lessons Everyone Should Learn by Kindergarten

    Wise Bread
    Kentin Waits
    27 Feb 2015 | 4:00 am
    We each grasp financial lessons at different points in our lives, but we're never too old — or too young — to start learning. Some lessons, however, are so basic that understanding them is nearly a prerequisite to financial survival. Whether you need a refresher yourself, or are...
  • Calculating your emergency fund: providing for opportunities and a higher cost of living

    Get Rich Slowly - Personal Finance That Makes Sense.
    Ryan Takach
    25 Feb 2015 | 3:00 am
    After a brief stint in the automotive industry in Detroit, Ryan Takach moved to Chicago to work for a major financial institution. The antics of traders on the trading floor stoked his curiosity for the markets, and an ex-pat assignment in London provided additional exposure to the global financial system. These experiences encouraged his investing and provided the financial foundation to manage the money challenges of a 30-something. He currently lives in San Francisco enjoying life after grad school. The importance of keeping an emergency fund is hardly debatable. Virtually every financial…
  • Albert Einstein’s Incredible Work Ethic: Lessons on Creativity and Contribution

    James Clear
    James Clear
    16 Feb 2015 | 12:45 pm
    As soon as he hung up the phone, Ralph Morse knew that he needed to get moving. He was still 90 miles away and there wouldn’t be much time before people began to hear the news. Albert Einstein had just died. Morse was a photographer for LIFE Magazine. He drove down to Princeton, New Jersey as fast as possible, but other members of the media had already been alerted by the time he arrived. Morse would later recall the situation by saying, “Einstein died at Princeton Hospital, so I headed there first. But it was chaos — journalists, photographers, onlookers. So I headed over to…
  • The debt collector doing government dirty work

    Personal finance news - CNNMoney.com
    27 Feb 2015 | 1:45 pm
    CNNMoney's exclusive investigation looks at the debt collectors hired by government agencies to go after unpaid property taxes, speeding tickets, even $1 tolls.
  • Honey Progress Report: Replacing our HVAC, Part I

    Get Rich Slowly - Personal Finance That Makes Sense.
    Honey Smith
    26 Feb 2015 | 3:00 am
    This article is by staff writer Honey Smith. As I mentioned in my homeownership and priorities post, one housing project that we wanted to tackle sooner rather than later was replacing our HVAC unit. Within months of moving into our new house, we had to shell out a thousand bucks to repair our 20-plus-year-old HVAC unit when it broke on a 108-degree day. While we haven’t had a problem since (knock on wood), the fellow who came out to fix the problem for us gave us a ballpark estimate of $7,000 for a new unit. Since we had just paid about 15 percent of that amount for a single repair,…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Ask the Readers: Do you use technology to save money?

    Holly Johnson
    27 Feb 2015 | 3:00 am
    This article is by staff writer Holly Johnson. Last week’s bitter-cold temperatures presented an awful time for my furnace to start acting funny. It would shut off for no reason only to restart when I fiddled with the thermostat. Then it would shut off again without me realizing it, only for the temperature to plunge to 50 degrees while I plugged away at my laptop. Then, all of a sudden, I would be absolutely freezing. I hated to call for professional help, but I knew there was no way around it. After having a plumbing and heating company come out, I discovered that one of the major…
  • Honey Progress Report: Replacing our HVAC, Part I

    Honey Smith
    26 Feb 2015 | 3:00 am
    This article is by staff writer Honey Smith. As I mentioned in my homeownership and priorities post, one housing project that we wanted to tackle sooner rather than later was replacing our HVAC unit. Within months of moving into our new house, we had to shell out a thousand bucks to repair our 20-plus-year-old HVAC unit when it broke on a 108-degree day. While we haven’t had a problem since (knock on wood), the fellow who came out to fix the problem for us gave us a ballpark estimate of $7,000 for a new unit. Since we had just paid about 15 percent of that amount for a single repair,…
  • Calculating your emergency fund: providing for opportunities and a higher cost of living

    Ryan Takach
    25 Feb 2015 | 3:00 am
    After a brief stint in the automotive industry in Detroit, Ryan Takach moved to Chicago to work for a major financial institution. The antics of traders on the trading floor stoked his curiosity for the markets, and an ex-pat assignment in London provided additional exposure to the global financial system. These experiences encouraged his investing and provided the financial foundation to manage the money challenges of a 30-something. He currently lives in San Francisco enjoying life after grad school. The importance of keeping an emergency fund is hardly debatable. Virtually every financial…
  • 5 tax deductions military service members could claim but often don’t

    Petrish Dyer
    24 Feb 2015 | 3:00 am
    (Petrish Dyer is an active military Navy Chief, currently stationed in Japan. Please understand that her duties and time zone may prevent her from responding to comments in a timely manner even though she would like to. Petrish is also the founder of debtfreemartini.com where she blogs and inspires others to live a debt-free life.) As an active-duty military member, I know that preparing and filing your tax return can be a nightmare. Regardless of the duties you perform policing our borders or standing strong in a combat zone, and regardless of where you are stationed on the globe, tax season…
  • Advantages of online grocery shopping

    Lisa Aberle
    23 Feb 2015 | 3:00 am
    This article is by staff writer Lisa Aberle. As someone who doesn’t like to shop for groceries (or lug them all from my car to the house), the thought of finding a service that helps me avoid the check-out line altogether is very appealing. A service that would put my groceries away would be even more amazing, but I won’t get carried away. Even without that added bonus, though, the advantages start to stack up. Advantages of online grocery shopping 1. Save on transportation costs. Back when I was working away from home, I simply scheduled my time to swing by the grocery store on…
 
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    Consumerism Commentary

  • When It Makes Sense to Work For Free

    Luke Landes
    27 Feb 2015 | 9:37 am
    How much is your time worth? This is a terrible question, and it usually begets a terrible answer. It’s a question that motivational speakers use to encourage people to make sure they’re optimizing their ability to earn an income. There’s nothing wrong with that per se, but it leads to some poor conclusions. For instance, if someone earns a salary that works out to $2,000 a week and works 40 hours a week, the immediate conclusion could be that this worker’s time is worth $50 an hour. It’s a simple way of looking at a financial equation and neglects to incorporate…
  • Should All Financial Advisers Be Held to a Fiduciary Standard?

    Luke Landes
    26 Feb 2015 | 11:46 am
    Over the last year, a friend of mine has been trying to convince me to move my financial assets. I currently have a taxable investment account at Vanguard, and my portfolio consists of a mix that includes a domestic stock index fund, an international stock index fund, and tax-advantaged municipal bond funds. This friend believes that I should be approaching my investments somewhat differently. He is a real estate broker, so he likes to think in terms of leverage. My asset level qualifies me for so-called “private banking” at most retail banks, and one of the things banks like to…
  • Burst Sprinkler Line, Property Damage, and Renter’s Insurance

    Luke Landes
    24 Feb 2015 | 8:53 am
    A week ago today I was in Phoenix. I had been there for a few days, and I had been planning to spend a month with my girlfriend away from the cold New Jersey weather. It wasn’t a vacation. We each needed to continue working, but figured we might as well do so where the weather was nice. Early in the morning, I got a frantic call from my apartment complex’s superintendent. “Where are you?” Groggily, I stated I was out of town and asked what was going on. “We have a major problem.” The sprinkler line in my apartment building froze and burst, dumping cold…
  • 8 Tips for a Frugal Valentine’s Day

    Luke Landes
    13 Feb 2015 | 9:58 am
    For several years, it was a February tradition on Consumerism Commentary to look for moderation on Valentine’s Day. Many young couples would like to use the day to express their love, but might not have the financial means to do what television commercials make you believe is normal. If you have additional ideas, feel free to share them below. I stopped the tradition of sharing frugal Valentine’s Day ideas by 2010, as I was all ready farther away from a frugality mindset myself. For me, I had a substantial income from my own business, and I was simply counting down the days before…
  • How My Money Mindset Changed Four Times and Helped Me Succeed

    Luke Landes
    12 Feb 2015 | 9:15 am
    Any self-help guru would agree that how you think about money shapes your behavior with money. If you want to improve your financial situation, whether to get out of debt or to reach financial independence, your relationship with money is the first thing that must change. If you believe you will never be able to climb out of poverty, it’s going to be much more difficult to achieve that goal. Of course, there is much more than goes into reaching your financial goals than just thinking about money differently. One can’t wish oneself out of debt, even by wishing intensely. The proper…
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    Forbes - Personal Finance

  • 5 Reasons Why College Is Still Worth It

    Reyna Gobel
    28 Feb 2015 | 5:34 am
    It's easy to stop believing that a college education is worth it when the nation has over a trillion dollars in debt, but college graduates still earn more over a lifetime than those without a degree. Plus, they're more employable.
  • Can Budgets Prevent Bullets? Financial Lessons From An Alleged Killer

    Neale Godfrey
    28 Feb 2015 | 4:33 am
    The cold-blooded murder of wealthy New York City hedge fund manager, Thomas Gilbert Sr., was disturbing on many levels. Not only was the murder allegedly performed by his own son, the dispute seemingly stemmed from an argument over whether or not Thomas Gilbert Sr. would continue to fund an allowance for his 30-year-old son. An allowance for his adult son?! As a financial expert working with Baby Boomers and their offspring, it makes me wonder if a little bit of financial education could have prevented the bullets that ensued.
  • Tax Preparation Alert For Those With Stock-Based Compensation

    Claudia Hill
    27 Feb 2015 | 11:41 pm
    Warning: A recent change in Form 1099-B basis reporting rules for employee stock options, employee stock purchase plan shares and restricted stock grants can result in duplicate reporting of the income. Don't take a chance of overpaying your taxes: Reconcile the Form W-2 and Form 1099-B to assure correct reporting.
  • Inflation Won't Affect Me In Retirement - Or Will It?

    Nancy Anderson
    27 Feb 2015 | 12:44 pm
    Senior discounts may not be enough.
  • This Week In Credit Card News: AmEx Raising Interest Rates, Mobile Payment Wars Intensify

    Bill Hardekopf
    27 Feb 2015 | 11:24 am
    Google Buys Softcard, Teams Up with Carriers on Mobile Payments
 
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    Yahoo News - Latest News & Headlines

  • GOP leaders are struggling to show they really are in charge

    28 Feb 2015 | 4:47 am
    WASHINGTON (AP) — Two months into full Republican control of Congress, GOP leaders are struggling to demonstrate they really are in charge.
  • Russian investigators: Nemtsov killing may be provocation

    28 Feb 2015 | 4:17 am
    MOSCOW (AP) — Boris Nemtsov, a Russian opposition leader and sharp critic of President Vladimir Putin, was gunned down Saturday near the Kremlin, officials said. Nemtsov was killed just a day before a protest planned against Putin's rule.
  • Democrats caught between Obama, Netanyahu on speech

    28 Feb 2015 | 12:10 am
    WASHINGTON (AP) — Jewish House Democrats personally offered Israeli Prime Minister Benjamin Netanyahu a chance to lower the political temperature after he accepted a Republican invitation to speak to Congress next week on Iran — a less provocative, closed-door session.
  • Congress averts Homeland Security shutdown

    27 Feb 2015 | 10:37 pm
    Feuding lawmakers fund the agency only until March 6, forcing Congress to revisit the issue next week.
  • U.S. sets out 'bottom lines' for Iran nuclear deal

    27 Feb 2015 | 10:09 pm
    The United States set out what it called its "bottom lines" to reach a deal with Iran to rein in its nuclear program, ahead of new talks next week. Washington had stuck to its guns that it wanted a "good deal" and had agreed to several extensions of the negotiations "because we have held firm to certain bottom lines," a senior US administration official said. "We will only accept an agreement that cuts off the different pathways to the fissile material that Iran needs for a nuclear weapon," the official stressed. US Secretary of State John Kerry will…
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    My Money Blog

  • H&R Block Online Review – 2014 Tax Year Features and Screenshots

    Jonathan Ping
    27 Feb 2015 | 12:05 am
    Here is my 2014 review of H&R Block Online DIY tax preparation software, to complement my TurboTax 2014 review and TaxACT 2014 review. I filed my personal tax return using each of the “Big 3″ and I will try to share the overall experience along with their specific strengths and weaknesses. Price H&R Block Online comes in Free, Basic, Deluxe, and Premium tiers. Due to having stock sales but no self-employment deductions, I am going with H&R Block Deluxe Online which costs $29.99 for Federal and $36.99 for State (free state options may be available separately). I am…
  • Fidelity IRA Match: Switch and They’ll Match Your Contributions Up to 10%

    Jonathan Ping
    26 Feb 2015 | 12:03 am
    Fidelity has released an infographic [pdf] about the power of saving 1% more of your income: To coincide with this, Fidelity started a related promotion to entice folks to move over their IRA assets to them. The Fidelity IRA Match is designed to mimic the 401(k) contribution matching that many employers offer, where Fidelity will match between 1% and 10% of your future contribution for 3 years if you roll over $10,000+ to them. Valid for both new and existing Fidelity customers, but only for IRAs and not other account types. Here’s the breakdown: Qualifying transfer* Match rate…
  • The Best Credit Cards For Millionaires Who Count Their Miles… and The Rest of Us

    Jonathan Ping
    24 Feb 2015 | 11:05 pm
    The sales pitch for American Express has always been that their cardholders are wealthy and thus big spenders, which in turn justifies their above-average transaction fees charged to merchants. The theory is a merchant won’t mind paying more in fees if it is offset by higher average receipts (and thus profits). This is why Tiffany & Co takes AmEx and my favorite Indian food truck does not. However, this recent Bloomberg article suggests that American Express is losing their millionaires because they are actually doing the math on their credit card rewards and finding the perks are…
  • Big Picture Financial Advice from Jonathan Clements

    Jonathan Ping
    24 Feb 2015 | 9:07 am
    Here is some “big picture” financial advice from author and columnist Jonathan Clements. I’d like to collect enough of these tips from notable people and make a compilation post. Clements recently wrote his last column “How to Live a Happier Financial Life” for the Wall Street Journal Sunday (which is ending publication), but he’ll still be writing for the main Wall Street Journal (on Saturdays). I’ll just paraphrase the bullet points below; read the full article for the details. The biggest waste of time is commuting. The best investment attribute to…
  • AssetBuilder 2015 Annual Letter: Currency Effects and Interactive Returns Tool

    Jonathan Ping
    22 Feb 2015 | 11:37 pm
    I enjoy reading articles by Scott Burns (also here) because he sometimes offers a unique perspective on things. He recently released the 2015 Annual Letter for his asset management company AssetBuilder. The whole thing is a good read, but here are two items of note: Keep in mind the effect of currency fluctuations on your portfolio returns. In 2014, the MSCI European Index fell 6% in dollars. However, that index actually rose nearly 7% in Euros. Most international stock funds sold to US investors, including the Vanguard Total International Index fund, are not currency-hedged. The strong…
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    The Simple Dollar The Simple Dollar

  • Some Thoughts on the Parable of the Fisherman and the Banker

    Trent Hamm
    28 Feb 2015 | 6:00 am
    Over the last week, several people have sent me this story from a bunch of different websites. I’m not sure where it originated, but the first place I saw it was on Financial Mentor. Here’s the parable: The Parable of the Fisherman and the Banker An American investment banker was taking a much-needed vacation in a small coastal Mexican village when a small boat with just one fisherman docked. The boat had several large, fresh fish in it. The investment banker was impressed by the quality of the fish and asked the Mexican how long it took to catch them. The Mexican replied, “Only…
  • Small Business Saturday: Meet SPOT, ‘the Uber of Parking’

    Mia Taylor
    28 Feb 2015 | 4:00 am
    A new app called SPOT allows users to rent parking spots in dense urban areas when they’re not in use. Photo: SPOT For those living in overcrowded urban environments, the routine is familiar, and frustrating. You battle rush-hour traffic to get home each day, only to spend another half-hour (or more) cruising slowly around and around your neighborhood, in ever wider circles, in search of parking. And when snow is added to the equation, finding on-street parking practically becomes an all-out battle. This winter in New England is a prime example – with drifts of six feet or higher…
  • Back in Debt? A Strategy to Pay It Off for Good

    Carrie Smith
    27 Feb 2015 | 10:00 am
    Find yourself staring back at the same mountain of debt… again? Make a plan to get rid of it for good. Photo: Rick McCharles Debt is one of those things that’s very easy to get into and much more difficult to get out of. I spent 14 months getting out of debt, only to find myself right back in a similar place about a year later. Like me, you probably didn’t even notice debt was piling up until you were staring up at the mountain. This is exactly what I experienced when I got out of debt the first time. I had just gone through a bad divorce at the age of 25 and had to start…
  • Expensive Items and Buying for Life

    Trent Hamm
    27 Feb 2015 | 6:00 am
    One common question I get in the reader mailbags concerns buying items for life. Given the prevalence of these questions – and many of the comments I’ve seen about my responses to them and the suggestions from readers – I thought it might make sense to dig further into the “buy it for life” idea. First of all, the idea of “buying it for life” means that you’re focusing on reliability above all else when making a purchase. You want an item that will do a job well and keep doing it for a very long time, ideally through the end of your life. The…
  • DIY Investing: Choosing the Right Industry at the Right Time

    TSD Contributor
    27 Feb 2015 | 4:00 am
    Capital goods, such as Boeing aircraft, tend to see an uptick in the middle of an economic expansion. Photo: Jetstar Airways By Gaspar d’Orey Many people consider the stock market an alien and complex thing to grasp. But it doesn’t have to be this way. With some grounding in the basic elements of investing and a little demystification of the terms involved, anyone can further their interest in investing and develop a solid portfolio that will sow the seeds of investment success. To help you develop a more thorough understanding, I want to share some of the knowledge I’ve gained from my…
 
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    Wise Bread

  • Best Money Tips: Ways to Save on Groceries at Walmart

    Amy Lu
    27 Feb 2015 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on ways to save money on groceries at Walmart, the golden rules of decluttering, and how to simplify your finances. Top 5 Articles Walmart Hacks: 8 Ways to Save Even More Money on Groceries — Shop early so...
  • Best Deals for Friday 02/27

    Amy Lu
    27 Feb 2015 | 11:08 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Macy's Sale: Up to 60% off + coupons, Kitchen and Bath Essentials at Home Depot: Up to 40% off, Disney World...
  • How to Avoid These 5 Hidden Costs of Winter

    Ashley Marcin
    27 Feb 2015 | 8:00 am
    As I type this article, the temperature outside is negative 17 degrees Fahrenheit. The wind chill? Negative 32. And this is, like, our fifth round of this frigid nonsense this year. We've gotten used to the cold, so I complain mostly to establish my clout as a northern girl who knows her winter...
  • Cheap Oil is Hurting These People -- Will It Hurt You, Too?

    Qiana Chavaia
    27 Feb 2015 | 6:00 am
    The economic effects of the precipitous decline in oil prices could mean tough times for some Americans. The last time the U.S. was hit this hard by an oil crisis was in the mid-80s; a five month period referred to as the 1980s Oil Glut that left oil prices staggering to recover for nearly two...
  • 5 Financial Lessons Everyone Should Learn by Kindergarten

    Kentin Waits
    27 Feb 2015 | 4:00 am
    We each grasp financial lessons at different points in our lives, but we're never too old — or too young — to start learning. Some lessons, however, are so basic that understanding them is nearly a prerequisite to financial survival. Whether you need a refresher yourself, or are...
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    Bargaineering

  • Let’s save ourselves from costly ‘help’ like this

    Jen A. Miller
    16 Feb 2015 | 12:00 am
    Jen A. MillerBeware of yet another start-up that’s out to take advantage of the self-employed and part-time workers trying to make a living from several jobs. Even is a new company launching later this year that promises to help smooth out the erratic income of those of us who don’t have a single, steady employer. They posit [...]Let’s save ourselves from costly ‘help’ like this from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • The Ultimate Layoff Survival Plan: How smart financial decisions now and later can help you through

    Dawn Papandrea
    2 Feb 2015 | 12:00 am
    Dawn PapandreaMost people don’t expect to be laid off, but for anyone who’s been through it (raising my hand!), it often comes when you’d least expect it. For me, it came on a Monday morning in the form of a sticky note from my immediate supervisor that said to meet her in the hallway. I knew [...]The Ultimate Layoff Survival Plan: How smart financial decisions now and later can help you through from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • Start saving and planning now for summer vacays

    Susan Ladika
    26 Jan 2015 | 12:00 am
    Susan LadikaThe coldest winter months are the time to start saving for your summer vacation. By planning now for a week exploring the sites of London and Paris, or trekking around Orlando’s theme parks, you can avoid racking up credit card debt on airline tickets and hotel rooms when warmer weather rolls around. While some travel [...]Start saving and planning now for summer vacays from personal finance blog Bargaineering.com. This blog was posted by Susan Ladika
  • Life’s more expensive for women … Here’s how I fight financial discrimination

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

    Julie D. Andrews
    12 Jan 2015 | 12:00 am
    Julie D. AndrewsMost of us would love to start the new year with a little more walking around money. Well, one of the few benefits of the financial crisis and recession is that it brought out the entrepreneurial spirit of throngs of Americans and the development of the sharing economy. Why not cash in on the wave [...]New ways to make extra money from personal finance blog Bargaineering.com. This blog was posted by Julie D. Andrews
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    James Clear

  • The Myth of Multitasking: Why Fewer Priorities Leads to Better Work

    James Clear
    26 Feb 2015 | 5:05 pm
    The word priority didn’t always mean what it does today. In his best-selling book, Essentialism (audiobook), Greg McKeown explains the surprising history of the word and how its meaning has shifted over time. The word priority came into the English language in the 1400s. It was singular. It meant the very first or prior thing. It stayed singular for the next five hundred years. Only in the 1900s did we pluralize the term and start talking about priorities. Illogically, we reasoned that by changing the word we could bend reality. Somehow we would now be able to have multiple…
  • The 5 Triggers That Make New Habits Stick

    James Clear
    23 Feb 2015 | 9:43 pm
    In his best-selling book, The Power of Habit (audiobook), author Charles Duhigg explains a simple three-step process that all habits follow. This cycle, known as The Habit Loop, says that each habit consists of… The Trigger: the event that starts the habit. The Routine: the behavior that you perform, the habit itself. The Reward: the benefit that is associated with the behavior. The image below shows how these three factors work together to build new habits. [1] Each phase of the loop is important for building new habits, but today I’d like to discuss the first factor: habit triggers.
  • Bob Mathias on How to Master the Art of Self-Confidence

    James Clear
    19 Feb 2015 | 10:16 pm
    By the time his senior year in high school rolled around, Bob Mathias had developed into a talented track athlete. He could run fast, jump high, and throw far. Given his wide-ranging talents, his high school coach suggested that Mathias try decathlon–a grueling combination of 10 track and field events. Mathias succeeded immediately, winning his first competition. Just a few months later, he qualified to compete at the 1948 Olympics in London. 1 Completely off the radar heading into the competition, Mathias stormed the Olympics. He placed first in four of the ten events and ran away with…
  • Albert Einstein’s Incredible Work Ethic: Lessons on Creativity and Contribution

    James Clear
    16 Feb 2015 | 12:45 pm
    As soon as he hung up the phone, Ralph Morse knew that he needed to get moving. He was still 90 miles away and there wouldn’t be much time before people began to hear the news. Albert Einstein had just died. Morse was a photographer for LIFE Magazine. He drove down to Princeton, New Jersey as fast as possible, but other members of the media had already been alerted by the time he arrived. Morse would later recall the situation by saying, “Einstein died at Princeton Hospital, so I headed there first. But it was chaos — journalists, photographers, onlookers. So I headed over to…
  • Announcing the 2015 Habits Seminar (Live Event on February 18th)

    James Clear
    12 Feb 2015 | 2:22 pm
    Today I am excited to announce the 2015 Habits Seminar, which is a live online class that I will be hosting on February 18th. Each year, I conduct one seminar on the science of behavior change and how to build habits that stick. We’ll talk about what’s working now, what always works, and what to avoid if you want to stick to good habits and break bad ones. Hundreds of people have already signed up and I’m going to take this opportunity to share more details about the event. First, let me talk about why you would want to attend… The Two Identities We All Have Last week, a…
 
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    fivecentnickel.com

  • How long will oil prices stay low — and what should yo do?

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

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

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

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

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

  • Climate Change Denier Wei-Hock Soon Took Over $1 Million from the Oil Industry

    Lilian Nwa
    22 Feb 2015 | 7:14 pm
    There is an ongoing debate about how humans are affecting the global climate and subsequently, what governments and policy makers should do to stem the effects of climate change. According to Wikipedia, no scientific body disagrees with the view that … Continue reading →
  • Breastfeeding Boosts Baby’s Immune System and Reduces Risks to Allergies

    Lilian Nwa
    22 Feb 2015 | 6:53 pm
    For new (and seasoned) mothers, the question of whether or not to breastfeed or for how long is an important issue. According to the U.S. National Library of Medicine and the National Institutes of Health, breastfeeding offers many benefits to … Continue reading →
  • P&G to Cut 100 Brands Beginning This Summer

    Lilian Nwa
    22 Feb 2015 | 5:30 pm
    With over $84 billion dollars in recorded sales for 2014, Proctor and Gamble (P&G) is the largest and most profitable consumer packaged goods (CPG) company in the world. The company’s well known products include Crest toothpaste, Dawn detergent and Gillette … Continue reading →
  • Caramel Coloring in Cola and Soda May Cause 5000 Cancer Cases Each Year

    Lilian Nwa
    22 Feb 2015 | 12:27 pm
    There are a lot of reasons to quit drinking soda. It can save you a lot of money. There are plenty of healthier alternatives. The biggest reason, however, may be for your health. Soft drink manufacturers have been facing some … Continue reading →
  • Rising Seas May Claim Parts of New York City According to Climate Change Panel

    Lilian Nwa
    21 Feb 2015 | 8:07 am
    Over the last century, the temperature of the earth has increased by approximately 1.4 degrees F and is expected to increase another 2 to 11.5 degrees F in the next century. Scientists have shown human activities have driven these changes given … Continue reading →
 
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    Mighty Bargain Hunter

  • Nine tricks for buying discounted gift cards safely

    John Wedding
    27 Feb 2015 | 3:22 am
    Buying discounted gift cards can be an easy way to spend a bit less. There are a number of websites that sell discounted gift cards, both physical and electronic. Depending on the retailer, the savings can be a few percent to 25% off, or more. Though buying discounted gift cards is straightforward, I do concede that it’s not completely without risk, for a few reasons: Someone else has the gift card’s information, and could potentially spend the balance down even after they’ve sold the card to the broker website, or directly to you. Physical cards need to be mailed to you,…
  • Five items to stay powered up and warm

    John Wedding
    18 Feb 2015 | 5:26 am
    The winter weather in our area, like other places in the country, has been pretty bone-chilling the past few days.  Not nearly as bad as in the northeast, but still chilly. We learned the hard way a few years back that we weren’t quite prepared for a multi-day loss of power.  We had kind neighbors, and that got us through.  The experience motivated us to prepare a bit so that we could be the kind neighbors the next time around. Our heat was zapped … literally This weekend, we had gale-force winds on top of sub-zero temperatures.  The winds caused power fluctuations at our…
  • If margins are thin, discounts are tough

    John Wedding
    13 Feb 2015 | 1:09 am
    Do you notice how some stores seem to have 50%-off sales a lot of the time?  Does this make you think that the regular prices are about 100% too high? Walmart and Amazon.com aren’t like this at all.  These two retailers are perhaps best known for their low prices.  To offer low prices every day, they have lots of efficiencies built into their business models, and very small profit margins. Some discount tricks don’t work as consistently Many stores offer coupons to bring in shoppers.  But aside from those, there are still a few ways to shave a few percent off here and there on…
  • Save money by talking through purchases, big and small

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

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

  • Time to Adjust... Withholding, and Attitude!

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

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

    Madame X
    9 Feb 2015 | 6:00 am
    I realized I never wrote in much detail about selling my apartment, and it's now been over a year since that happened!As a refresher, I had owned the apartment for a couple of years when I met Sweetie. Once Sweetie came along, I gradually started to spend less and less time there, to the point where I was almost never home and kept a lot of things at Sweetie's place. This made me a bit sad, as buying my own home had been a milestone for me, financially and emotionally-- it felt great to have that independence. But as Sweetie and I gradually got to the point of being committed to each other…
  • Telling Children About How Much Money You Make

    Madame X
    2 Feb 2015 | 6:00 am
    Great article in the New York Times: Why You Should Tell Your Children How Much You Make, by Ron Lieber." When Scott Parker wanted his six offspring to know more about the value of money, he decided to do something that many parents would consider radical: show them exactly what he earned. One day, he stopped by his local Wells Fargo branch in Encinitas, Calif., and asked to withdraw his entire monthly salary in cash. In singles. It took 24 hours for the tellers to round up that many bills, so he returned the next day and took away the $100 stacks in a canvas bag. His oldest son, Daniel, who…
  • Happy New Year!

    Madame X
    5 Jan 2015 | 6:30 am
    I can't believe it's 2015, and 3 months have gone by since I last posted. Resolution #1 is to get back in the habit of writing more! I fixed some problems with the site template that had been bothering me for a while, so maybe that will encourage me to stop by more often. So what's new? Here's a few broad strokes. My mom has her house on the market. After a few months, she hasn't had any bites. She missed the best time of year last spring when families would have had a chance to close the deal in time to get their kids in the local school by the start of the fall. Also, the house is probably…
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    No Credit Needed

  • 5 Years In Our New House – Mortgage Update!

    NCN
    9 Feb 2015 | 8:56 am
    I was reminded by my son: As of today, we have lived in our new house for 5 years. So, it’s time for a mortgage update – with handy-dandy chart! When my wife and I financed the purchase of our new home five years ago, our goal was to pay it off in less than ten years. We have a fixed, conventional, fifteen-year mortgage. I use a simple pie-chart to track our progress. Having a visualization keeps us motivated and excited about the progress we are making. We purchased our home in February of 2010. Hopefully, we’ll pay it off in less than 10 years – which is our stretch goal –…
  • Top 10 Ways To Save Money

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

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

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

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

  • Smadav Pro Rev 10.0.0 Full Serial Number Terbaru 2015 Gratis

    Adiedonie MaxAliyanto
    12 Feb 2015 | 7:59 am
    Download Smadav Pro Rev 10.0.0 Full Serial Number Terbaru 2015 Gratis Smadav Pro Rev 10.0.0 Full Version Lengkap dengan Serial Numbernya buat sobat. terbukti saat ini smadav banyak sekali yang menggunakannya, karena kecanggihan fitur - fiturnya dalam membasmi virus jahat pada komputer dan laptop kita, sehingga Smadav saat ini menjadi anti virus terbaik no.1 di Indonesia, bukan hanya di indonesia, smadav saat ini juga banyak digunakan oleh pengguna komputer di seluruh dunia loh sob, jadi buat sobat yang masih belum memiliki smadav pro versi 2015 Rev 10.0.0 ini buruan deh di download dan di…
  • Naruto Shippuden Episode 399 Subtitle Indonesia Naruchigo

    Adiedonie MaxAliyanto
    11 Feb 2015 | 8:54 pm
    Download Video Anime Naruto Shippuden Episode 399 400 Subtitle Indonesia Naruchigo - sekarang  akan bagikan sebuah video anime yang keren yaitu Naruto Shippuden Episode 399 , 399 Subtitle Indonesia Naruchigo bagi anda para pecinta anime loverz dan semua pecinta anime pasti sangat menunggu anime ini, anime terbaru dari film anime Naruto Shippuden Episode 399 , 399 Subtitle Indonesia Naruchigo akan kami share disini.
  • Naruto Shippuden Episode 397 Subtitle Indonesia Naruchigo

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

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

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

  • Marginal Tax Rate VS Effective Tax Rate – Why You Need to Know the Difference

    Glen Craig
    27 Feb 2015 | 5:04 am
    Pop Quiz – What’s your effective tax rate for 2014? How about your marginal tax rate? Don’t worry if you’re not sure. Truth is most of us have no idea what either our marginal or effective income tax rates are. They only seem to matter at income tax filing time, usually appearing as supplemental numbers in a computer generated income tax return. One of the reasons we tend not to track these numbers is because they’re calculations, which for the most part, have no immediate relevance to us, but also because of complications in calculating them. Because we have a…
  • 6 Alternative Investments Besides Stocks and Bonds to Help You Achieve Financial Freedom

    Glen Craig
    24 Feb 2015 | 10:39 am
    What do you think of when you think of investing? If you’re like me the thing that comes to mind are stocks. It’s the standard isn’t it? When you watch the news you hear about the Dow and the S&P 500. These are the stock indexes, or the ‘market’ you hear about. As you know it’s easier than ever to invest in stocks. It used to be an investment for the wealthy but today you have low-cost online brokerages where you can buy stocks with virtually no minimums. You can even buy fractional shares (yes, you can buy a part of one share of stock.) But stocks aren’t the only…
  • Tax Time: Are You Reporting Your Income? Different Tax Forms to Look For

    Miranda
    23 Feb 2015 | 8:48 am
    For many, income reporting at tax time is fairly straightforward. You get a W-2, there’s your income.  The IRS gets a copy of the W-2, your state gets a copy, and you keep a copy for yourself.  Your income is reported on this form, and you don’t have to worry a great deal about other income reporting. However, in a world that increasingly provides opportunities to earn money from side hustles and investments, reporting income has become a little more complex. It can be tempting to avoid reporting income to the IRS, but it’s important to remember that failure to report your…
  • H&R Block At Home™ Online Tax Prep Software – Review

    Glen Craig
    17 Feb 2015 | 5:42 am
    With more then 55 years in business, H&R Block is one of the most recognized tax preparation companies. Their do-it-yourself tax preparation with their online software, is one of the easiest ways to get your taxes done fast and accurately. H&R Block online has a variety of support features and guarantees, making doing your taxes yourself worry free and simple. Features of H&R Block Online Tax Prep Software: free online support offered with each program one live tax advice session from an H&R Block tax professional included (fees apply for the Free, Basic and Deluxe products).
  • Shoeboxed Review – Organize Your Receipts for Tax Time and More

    Glen Craig
    13 Feb 2015 | 3:20 am
    Whether you’re looking to do some cleaning, looking to go green or paperless, or just want to get a little more organized, Shoeboxed.com can help you. Imagine this… You’re getting ready to finally do your taxes. Besides all the tax forms you need you also have to put together your receipts. But where are they? If you’re like most people they are piled up someplace, like a shoebox, waiting to be organized. Or they are spread out all over the place and you hope you can find each and every receipt. Not fun. Shoeboxed offers a service where you can send in your…
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    Blogging Away Debt

  • Formal Event – eeekk!!!

    Hope
    28 Feb 2015 | 2:00 am
    Houston, we have a problem!  A BIG problem! Ok, maybe it’s not a problem, just a challenge, a big one!  My Sea Cadet’s division is throwing their annual awards ball.  Last year, his first year in, I let him go, but we didn’t really make a big deal out of it.  This year, he’s been in a year and has been selected to be part of the Honor Guard (a special unit that does a ceremony honoring the MIA/POW of each military branch is how he explained it to me.)  I want to support him, I am super proud of him BUT…. Two things really…social situations make me all…
  • Giving to a Cause – Inadvertently

    Hope
    27 Feb 2015 | 2:00 am
    There have been lots of posts about giving to charities and giving back.  This is not a re-hash of those.  This is more of a brag… This past weekend we drove through the insane winter weather, up to DC for the Flip for the Fight gymnastics meet.  It was the smallest meet that Little Gymnast has participated in, perhaps due to the nasty weather.  But it was SO well run.  We had a blast and Little Gymnast medaled in three events.  One proud mama here!  This was the first year the meet has had a boys component and I certainly hope they do it again! But really the reason I bring it…
  • Coffee Date #2

    Ashley
    26 Feb 2015 | 5:00 am
    As a reminder, this post style (the coffee date concept) was an idea I borrowed from the Fitnessista (with her knowledge and permission). If you’re into fitness, check out her blog. She offers tons of FREE workout guides, videos, healthy recipes, and more. See my last coffee date post here.  If we were having coffee right now…. I’d tell you all about the drama in mine and hubs’ families right now. There’s been a LOT. Hospitalization, rehabilitation (not the drug kind, the physical/health kind), threats of lawsuits, and icky job-related stuff. Nothing that directly impacts me or…
  • A New Venture

    Hope
    25 Feb 2015 | 10:00 am
    I hinted at the beginning of the year that I was seeking a way to expand my business, ie make it less about me and more of a product/service I could expand with.  I am excited to say that I believe I have found the beginnings of a new path.  I am super excited and so tempted to throw everything to the wayside and just dive in.  Stop! The problem is the new venture is going to entail some start up costs.  Some new software and hardware that I do not have and thus far have not found a way to get discounted in any way. So I am proudly, very proudly since before I would pull out my consumer…
  • Found a Great Deterrent

    Hope
    25 Feb 2015 | 2:00 am
    This past week I found a great deterrent for spending money…being snowed in!  Let’s face it, when you are out and about as much as we are, and with 5 people with different interests and ideas of what is important, the temptation is always there to spend money.  It may not be a lot, but with five people it adds up.  Well, last week we were hit with the “blizzard of 2015.”  Actually, it’s the worst snow we’ve had, or rather longest lasting snow/ice we’ve had since I moved here 11 years ago.  We were home bound for 5 days.  And by homebound, I mean…
 
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    Clever Dude Personal Finance & Money

  • Clever Posts Of The Week – February 27th

    Brock
    27 Feb 2015 | 5:46 am
    I can tell that Spring must be getting close because I’m getting sick of shoveling the driveway.   As Winter wears on, it takes me longer and longer to do it.  We received a few inches of snow this week, and it took me over two days to gather enough motivation to go shovel it.  I’d driven over the snow plow hump at the end of the driveway a dozen times, hoping that the next day would be warm enough to melt the snow.   Unfortunately, with highs this week barely above zero, the snow remained.  So last night I finally got out my shovel and cleared what snow hadn’t…
  • It’s Time For My Teenager To Get A Job

    Brock
    25 Feb 2015 | 5:36 am
    Image courtesy of stockimages at FreeDigitalPhotos.net My son turned sixteen in January, and within a week had his driver’s license. He’s been enjoying his new found freedom driving to school, going to the movies, and hanging out at his friends house without needing to rely on my wife or myself to drop him off or pick him up. But with his new found freedom also comes expenses. Insurance : After discounts for good grades and completing a safe driver program, our insurance is increasing by about $30 a month. Gas: The gasoline needed for him to drive around isn’t free. We given…
  • Clever Dude Reviews the 2015 Hyundai Sonata Limited

    Clever Dude
    24 Feb 2015 | 9:38 am
    When the last generation’s redesigned Hyundai Sonata hit the scene here in 2010, the media (including myself) were blown away by the exterior design. It took the “four door coupe” design from the Mercedes CLS and applied it to a 5-seat, mainstream family sedan (while the VW Passat CC copied it first, it was a 4-seater). It was a beautiful sedan, and very unexpected from the Korean manufacturer, Hyundai. Fast-forward five years later, and Hyundai just released its 7th-generation 2015 Hyundai Sonata. I’ll admit that when I first saw photos of the concept last…
  • The Unbelievable Return Policy At Costco

    Brock
    23 Feb 2015 | 4:25 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net My wife loves her electric blanket. She naps under it during cold winter Sunday afternoons while I shake my fist at televised football games, and she snuggles under it while we watch our favorite shows together. She had one years ago when we first got married, but it had eventually worn out. I got her a new one for Christmas over a year ago, and it’s been a trusted companion ever since. When she accidentally spilled something on it, we tried to spot clean it, but the stain just wouldn’t come out. There were instructions for…
  • Get Cash For Your Old Cell Phone with SellCell

    Clever Dude
    22 Feb 2015 | 1:37 pm
    Many of us have old cell phones floating around our houses. In many places, you are not allowed to throw old cell phones in the trash, so it becomes a question of what to do with the old unit when you upgrade to a new one. SellCell has created a great solution to the problem, allowing cell phone owners to trade their old cell phones for cash. You get rid of the phone, it does not go to a landfill, and you make some cash on the deal. It’s a win-win situation! SellCell.com has been rated as the number one cell phone recycling price comparison website in the United States. The company’s…
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    Don't Mess With Taxes

  • Which is better, a big refund or more money throughout the year? Payroll tax withholding tweaks let you make the choice

    skbell1
    27 Feb 2015 | 11:28 am
    February sure lived up to its status as the shortest month of the year. We got to the end of it, and the potential tax moves to make, so dang quickly. Today means we're almost halfway through with the 2015 tax filing season, which officially began on Jan. 20. So far, the Internal Revenue Service reports receiving almost 50 million tax returns. That's about a third of third of what the agency expects to get this year. As usual, especially early in the filing season, most of the 1040s have resulted in refunds. Through Feb. 20, that's the case for almost 83 percent of the 2014 tax…
  • Survey says tax refunds going into savings, paying off debt

    skbell1
    26 Feb 2015 | 9:19 am
    Who loves tax season more than the Internal Revenue Service? Retailers. Flush with cash that Uncle Sam has been collecting from paychecks all year, Americans take their tax refunds and head out to stores. Or maybe not. The results of a new poll look like they might dampen the anticipation of many shop owners. Holding on to hefty refunds: While the IRS says that the average check issued through Feb. 20 was $3,120, it looks like many refund recipients will be saving, not spending their tax cash. The National Retail Federation's annual Tax Returns Survey, conducted by Prosper Insights and…
  • More forgiving IRS to waive some bad 1095-A tax penalties

    skbell1
    25 Feb 2015 | 1:35 pm
    A kinder, gentler Internal Revenue Service was born back in 1998 when the IRS Restructuring & Reform Act was enacted. Now the Affordable Care Act appears to have given us the forgiving IRS. Premium tax credit considerations: Earlier this month, the IRS announced that it will waive some possible penalty charges in connection with calculations of the advance premium tax credit. This tax break was created to help Obamacare purchasers cover some of the cost of the required health insurance coverage. Most who are eligible for the credit got it in advance when they bought their policies. If,…
  • New York city, state lawmakers seek pet adoption tax credit

    skbell1
    24 Feb 2015 | 12:52 pm
    Two months ago lots of families got pets as Christmas gifts. Now, many of those puppies and kittens and other would-be furry friends are, sadly, bunking at animal shelters … or tragically worse. Some New York lawmakers think a tax change could help get those and other pets abandoned year-round into new homes. Eager dog in animal shelter, photographed by Dave Cooper via Flickr. Pet adoption tax credit: New York City Councilwoman Julissa Ferreras (D-Queens) has introduced a bill that would give Empire State residents a state tax break for adopting a homeless pet. The measure has the support…
  • NASCAR Hall of Fame and homeowner tax breaks collide Race track depreciation and home loan tax write-offs also in extenders

    skbell1
    23 Feb 2015 | 11:56 am
    Sunday's Daytona 500 was great. Well, it was until a late-race wreck forced a contrived green-white-checkers finish and the dreaded but always expected "big one" mass crash at the back of the field. Despite that disappointment, congratulations to 2015 Daytona 500 champion Joey Logano. He deserves the trophy. He and his #22 Shell Ford were the class of the field all day. Daytona is the first NASCAR race every season. It's the sport's Super Bowl and an event the stock car community prizes. A few years ago, NASCAR set out to memorialize past and future Daytona 500s and other notable competitors…
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    Money Smart Life

  • 6 Signs You Might Lose Your Job

    Kevin Mercadante
    24 Feb 2015 | 12:55 pm
    One of the unfortunate realities of today’s workplace is that we’re usually not given advanced warning about an upcoming job loss. Many employers would have us tool along thinking everything is fine, right up until the day we’re asked to leave. But even if there is no formal notification that your job is in jeopardy, there several ways to know if it is. Here are several strong clues… 1) You’ve Just Had a Bad Review You can virtually assume that you are on probation if you have just had a bad performance review. Even if your employer doesn’t tell you as much, you will most…
  • How to Teach Kids the Value of a Dollar?

    Ben Edwards
    19 Feb 2015 | 8:17 am
    Teaching my kids the value of a dollar is something that’s important to me and I’m always trying to find ways to help them understand that process of earning & spending money isn’t as simple as swiping your credit card. There aren’t as many teaching moments as there were in my childhood because money is less visible in our society now. Credit cards, direct deposit, and auto bill pay mean that I hardly ever have actual cash in my wallet and my kids don’t have as much exposure to money coming in and going out of the household. Teaching through Stories I was…
  • Cut Medical Bills With a Hospital Billing Negotiator

    Kevin Mercadante
    9 Feb 2015 | 8:14 am
    Have you ever received a great, big, ugly bill for services rendered from a hospital or other healthcare provider? This can happen to just about anyone, whether or not you have health insurance. When a bill of this size comes in, you can sometimes get it cut by using the services of a hospital billing negotiator. That’s a person or agency who steps in on your behalf and negotiates a reduction in the amount of the bill, or can set up other terms that will make it easier for you handle the obligation. Why you may need a hospital billing negotiator There was once a time – long gone – when…
  • Should You Let Your Family and Friends Know About Your Debt Struggles?

    Kevin Mercadante
    2 Feb 2015 | 8:50 am
    This is a touchy subject – it’s easy making a case for keeping personal debt problems secret from your family and friends. But let’s take the opposite side of that debate – should you let your family and friends know about your debt problems? Despite the problems that are inherent in sharing negative information about yourself with people close to you, there are compelling reasons it may be to your advantage. They may be able to help Generally speaking, no one is in a better position to help you – or more willing to do so – then the people who you are closest with. Even though…
  • Five Alternatives to Raiding Your Retirement Savings Early

    Kevin Mercadante
    26 Jan 2015 | 8:21 am
    Every year thousands of people raid their retirement savings early. It could be to get out of debt, to cover living expenses during a time of unemployment, to deal with a medical crisis, or even help a family member in trouble. While the reasons for doing so may be perfectly noble, it’s best to consider all possible alternatives before doing this. There are at least four reasons why raiding your retirement savings early is not in your best interests: Income tax liability – If the money is withdrawn before you turn 59 ½, the amount of the distribution will be added to your income, and…
 
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    Queercents

  • Free Human Rights Campaign Address Labels

    DJ
    17 Feb 2015 | 1:54 pm
    We already stocked up on our Harvey Milk stamps from the U.S. Post Office now we need some LGBT friendly mailing labels and you can score them now for free. Just fill out the form to get Free Human Rights Campaign Address Labels.  Sometimes it’s the little things that count!
  • Suze Orman to end show on CNBC

    DJ
    3 Feb 2015 | 8:55 pm
    Suze Orman is certainly one of my favorite if not most entertaining financial guru on TV. “The Suze Orman Show” final days are upon us on CNBC and will be ending in March. The financial diva is developing a new show called “Money Wars” with Telepictures, a production company that specializes in syndicated shows like […]
  • Halloween Costume Ideas 2014

    DJ
    1 Oct 2014 | 1:11 am
    An escape from today’s economic reality may be one word that may actually help stimulate the economy…Halloween which has turned out to be a retailers dream this year instead of last years nightmare. On average we are expected to spend around $66 each on costumes including all the decorations we are placing outside our homes […]
  • 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 […]
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    MoneyNing

  • How to Balance Your Freelance Business While Pregnant

    Ashley Eneriz
    28 Feb 2015 | 5:00 am
    The flexibility of freelancing is what’s most appealing to me. I can get assignments done in my sweats or at odd hours of the night. But while freelancing does come with a lot of flexibility, it can be hard to juggle a self-made workload while you’re pregnant. The harsh truth about running a freelance business, is that there are no paid sick days, and you don’t get a paycheck just for showing up. During my second pregnancy, I was able to do a lot more freelance work than I was my first pregnancy. I am not sure if I just felt better this time around or if I developed more…
  • Would You Put Your Money in Alternative Investments?

    David Ning
    27 Feb 2015 | 10:19 am
    Many people would do well enough investing solely in index funds, but most wonder whether extra returns can be had from hedge funds and other alternative investments. I’ve invested in one before, and the experience was like hanging out with the cool kids for the first time in high school. There was a certain level of excitement at the beginning, and I won’t lie – it gave me a sense of “finally making it in life”. But I ultimately pulled my money out of the fund, because that particular fund just wasn’t for me. Here’s what I learned from the…
  • Saving Money at the Movie Theater: 5 Ways to Indulge Without Overspending

    Jessica Sommerfield
    27 Feb 2015 | 5:00 am
    There are many ways to enjoy a movie these days that don’t cost a lot of money. From renting via Redox or Blockbuster, joining a movie membership club like Netflix, or streaming shows and movies on Hulu or Amazon, there are lots of ways to save on entertainment costs. While these options sometimes allow for cheaper date nights and family time, there’s nothing quite the same as actually visiting the theater on occasion, especially for those new releases you want to see on the big screen. In the interest of supporting local theaters (although it’s perfectly fine to frequent…
  • Did My Car Insurance Company Just Try to Scam Me?

    Travis Pizel
    26 Feb 2015 | 5:00 am
    My son had a huge smile on his face as he drove us to our insurance office. He just passed his driver’s license road test, and we were headed to talk to our insurance agent to add him to our policy. We were prepared, handing them a copy of his license paperwork, as well as a copy of his most recent report card to score us a 15% good student discount. As the agent was entering the information into the system, she lowered her glasses and said, “I should probably mention, there’s something we suggest for all newly licensed drivers.” And that’s when she proceeded to explain…
  • How to Balance Traveling and Paying Off Debt by Using Travel Hacking

    Melanie Lockert
    25 Feb 2015 | 5:00 am
    In just two short months, I’ll be headed to Spain to go see one of my best friends who is teaching there. It’s a dream come true for me, as aside from paying off debt, traveling is my true passion. But how is someone who is so focused on paying off debt, able to travel abroad? Through travel hacking! I was able to book my flight to Spain for a mere $63 in taxes, and 40,000 miles. But, what is travel hacking? And how can you use it to travel while working towards other financial goals? What is Travel Hacking? Travel hacking is the term used for people that use reward-based credit cards to…
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    The Dough Roller

  • DR 164: Risk Parity Portfolio Construction with Dar Sandler

    Rob Berger
    26 Feb 2015 | 4:57 am
    In his book, Money–Master the Game: 7 Simple Steps to Financial Freedom, Tony Robbins describes what he calls an All Weather Portfolio. It’s very heavy in bonds, commodities, and gold, which makes it a questionable approach to investing. Yet it’s loosely based on an investing approach called risk parity that’s used by Ray Dalio of Bridgewater Associates. Robbins interviews Dalio for his book. While the term risk parity is nowhere to be found in the book, that’s exactly the approach taking at Bridgewater. How do I know? Because before I read Robbins’ book, I…
  • 8 Key Financial Numbers for 2015

    Rob Berger
    25 Feb 2015 | 3:19 am
    As is the case each year, important numbers – related to income taxes, retirement, gifts and Social Security – are adjusted to reflect changes in the Consumer Price Index (CPI) or in regard to changes in the law. The folks at T. Rowe Price put out a cheat sheet on all of these number, and they were kind enough to send it to me. Here are 8 key financial numbers for 2015. It’s important to understand that these numbers apply in the year going forward. They do not apply to 2014, which is the year for which we are currently filing our income taxes. You’ll find links in this…
  • DR 163: The David Swensen Unconventional Success Portfolio

    Rob Berger
    22 Feb 2015 | 6:03 pm
    Davd Swensen manages more than $20 billion in assets as the Chief Investment Officer of the Yale endowment fund. Several years ago he distilled his investment knowledge and experience into a book, Unconventional Success, for the average investor. The book is an excellent guide to low cost, passive investing. One of the many great aspects of the books is Swensen’s “Framework for Investing Success.” The framework is a simple investment portfolio. The portfolio is well diversified and equity oriented, ideal for any investor. Here’s his recommended portfolio:…
  • How to Adjust Your Tax Withholdings for a $0 Return

    Rob Berger
    21 Feb 2015 | 4:33 am
    It’s still early in the new year, and certainly early enough if you’d like to adjust your tax withholdings to a more accurate number. Most of us are aware that we can do that simply by filling out IRS Form W4 with our employers. The form enables you to adjust your income tax withholding by changing the number of exemptions that you are claiming. More exemptions means that less tax will be withheld, fewer exemptions will increase withholding. The trick, however, is figuring out just how many exemptions to claim. This question came up in a recent email from a reader named Ryan: I am pretty…
  • FreeTaxUSA Review

    Rob Berger
    19 Feb 2015 | 12:43 pm
    FreeTaxUSA is an online tax preparation website that enables you to Prepare, Print & E-file your taxes free. At least that’s true in regard to filing your Federal income tax return. This looks to be a pretty solid, if not spectacular, online tax preparation software. Let’s take a closer look. Who and What is FreeTaxUSA? The company is owned by TaxHawk, Inc. It started in 2001, and was founded by a CPA and a team of professional software developers. The company is an original member of the IRS Free File Alliance and an authorized IRS e-file provider, and it has securely filed millions…
 
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    Hustler Money Blog

  • Chase Slate Review: 15 Months 0% APR Balance Transfer and Purchases with No Balance Transfer Fee

    Hu$tler
    27 Feb 2015 | 9:37 am
    By far the best card for a balance transfers, the Chase Slate® is offering a 0% Introductory APR on balance transfers and purchases for 15 months and $0 balance transfer fee! With no balance transfer fee for the first 60 days, the Slate from Chase is offering interest free payments for up to 15 months with no catch and no annual fee. You’ll also get 0% intro APR on purchases for 15 months, then after the introductory offer, the purchase APR becomes 12.99%, 17.99, or 22.99% variable. It has been years since I saw a no balance transfer fee credit card! Most, if not all credit cards, want…
  • Chase $175 Savings Coupon Promotion Review

    Hu$tler
    27 Feb 2015 | 8:33 am
    Earn a $175 bonus with a new Chase savings account for depositing a total of $15,000 or more new money within 10 business days available til 4/16/2015. Click on this Chase Bank $175 savings coupon code for more information on how you can get the Chase $175 Savings coupon. Simply take your printed coupon page to your local Chase branch to open a new Chase Savings account. Make sure to deposit a total of $15,000 or more within 10 business days to get $175 in your Chase Savings account. Chase Savings Account Features: Account Alerts PLUS Automatic monthly transfers from checking to savings PLUS…
  • Free $10 Amazon Credit for 1-Click Citi Credit Card Payment Method

    Hu$tler
    26 Feb 2015 | 2:30 pm
    You can now get a $10 Amazon.com Credit when you change your 1-click payment setting to a Citi credit card. However, you must do this from a Mobile device. When you follow the link, you may receive an error message. Don’t worry, you can go ahead and complete this step manually. You should receive the $10 bonus after you change your 1-Click payment method to an eligible Citi Credit Card. Tip: If you can’t get it to work from your mobile device, send Amazon an email or do a chat about the $10 bonus promotion for changing to 1-click payment with a Citi card. Free $10 Amazon Credit…
  • North Shore Bank $100 Checking Account Bonus Review

    Baller
    26 Feb 2015 | 1:35 pm
    North Shore Bank is offering a $100 Checking Bonus by making 10 qualifying North Shore Bank Debit card transactions by 2/28/2015. With all of their checking accounts, you get these convenient, money-saving, time-saving benefits with access to over 23,000 completely free ATMs. All of their checking accounts come with monthly account fees waived for the first 3 months, free Mobile Banking with Mobile Deposit, free Online Banking, free Debit Card, free Online Bill Pay, eAlerts and eStatements, person-to-person payments with Popmoney, and Switch Kit. I wrote to the Customer Service Rep and they…
  • Charles Schwab Investor Reward Review: $2,500 Bonus Promotion

    Hu$tler
    26 Feb 2015 | 7:01 am
    Open a Charles Schwab account with $500,000 or more deposit to earn up to $2,500 bonus promotion. Visit a branch or call 1-800-404-3188 to become a Schwab investor to earn a cash bonus of up to $2,500 and enjoy a relationship focused on helping you make the most of your investment. Here’s how to earn your cash bonus: Call Schwab at 800-404-3188 to enroll. Make a qualifying net deposit into a participating account within 45 days of enrolling. Receive your cash bonus. Best Brokerage Bonuses E*Trade offers up to $2,500 bonus when you deposit new funds. Enjoy no annual IRA fee and no minimums…
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    Cash Money Life | Personal Finance, Investing, & Career

  • Are You Being Paid What You’re Worth?

    Kevin Mercadante
    13 Feb 2015 | 3:45 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Are You Being Paid What You’re Worth?. If you want to know if you’re being paid what you’re worth, here are five websites that can help you do that. These can be especially important if you’re thinking of asking for a salary increase. You want to make sure you’re being paid the going rate for your job, but at the same time you must be careful that you’re not asking for more than is typically paid for your job classification (or substantially more than your peers). You can…
  • Do Your Resources Support Your Lifestyle?

    Miranda Marquit
    11 Feb 2015 | 12:30 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Do Your Resources Support Your Lifestyle?. It was with interest that I read Ryan’s recent post about joining the Air National Guard. One of the things that struck me is that he has the freedom to create a lifestyle that he enjoys, and that fits with his finances. He’s structured his finances in a way that provides him with the ability to take opportunities, and flexibility to change things up every once in a while. He’s also considered the other resources—time and…
  • Five Reasons Why the Dow Will Probably Blow Past the 20,000 Mark in 2015

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

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

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

  • How To Successfully Receive a Pay Raise and/or Promotion

    GMM
    27 Feb 2015 | 2:00 am
    I have asked for a raise one time in my life, and it went successfully. There have been other times where I probably should have asked but was too afraid, and that is why I wanted to create this post.Asking for a raise can lead to a positive outcome for whatever type of job you are looking for – whether it be finance jobs, creative jobs, and so on. All you have to do is ask, and the answer you may receive may lead to extra money in your pocket.There are correct and incorrect ways to ask for a raise or a promotion. Below are my tips to successfully receive a pay raise and/or promotion.1.
  • How To Launch Your New Business Successfully

    GMM
    23 Feb 2015 | 2:00 am
    So you finally created what you think is an amazing business idea. Everything is in place and now you are just planning for the actual day when you launch your idea.Launch day is very important and you always want to start a new business off correctly.Here are my tips to launch your new business successfully.1. Create a plan.Before you launch your business, you should make sure everything is in place. This means you should make sure that your business plan is a viable idea, that you can actually make money or continue operations from your business idea well into the future, you have done…
  • What To Do When You Hate Your Job But You Need To Keep It

    GMM
    20 Feb 2015 | 12:00 am
    A few years ago, I had a job I absolutely hated. Our clients were horrible and my boss was just as bad.There were many days where I would run into the office’s bathroom in tears because of things that my boss would say to me, to others that I worked with, or sometimes directly to the clients.You would probably assume that I was just being a huge baby, but that was not the case at all. I was not the only one who felt this way.There were many days when I didn’t know if I do go in the next day, and I absolutely dreaded each morning that I woke up. I knew it would be a horrible, looooong day…
  • The Real Story Behind Graduation Caps and Gowns

    GMM
    20 Feb 2015 | 12:00 am
    Each spring, millions of college students clad in black will walk across a stage to accept their diploma. They will wear funny, flat-topped hats atop their heads and a zip-front gown that hangs to their ankles. They are educated, smart individuals, but they look slightly ridiculous. What is the real purpose behind wearing the caps and gowns for graduation ceremonies? Here’s a closer look at where this ritual started. The OriginsThe wearing of a long black gown and cap for graduation ceremonies originated in medieval times. The standard fashion for those days (1100 and 1200 A.D.) was…
  • 4 Things Rich Dad, Poor Dad Can Teach You About Long-Term Money Matters (For Grads and Beyond)

    GMM
    19 Feb 2015 | 8:29 am
    Robert Kiyosaki’s Rich Dad, Poor Dad has been a decades-long best-seller for a reason. But despite recent and emerging graduates having not really heard too much about the book (especially given that the zenith of its popularity was easily over fifteen years ago), there’s still a huge load of lessons in there that help massively when it comes to money matters. Furthermore is that, given the book’s focus on long-term financial security, the lessons that spill over into today’s graduate financial world are just as pertinent as they were when Kiyosaki originally sat down…
 
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    Poorer Than You

  • Hallelujah! TurboTax is Offering Free Federal AND State Returns This Year

    Stephanie
    4 Feb 2015 | 4:59 am
    If you’ve got a simple tax return, you are in for some serious good news my friend: TurboTax just announced a new product, TurboTax Absolute Zero, which will let you file a federal 1040A or 1040EZ and a state return, for precisely $0. FREE. And no additional costs for claiming your earned income tax credit or complying with new health care laws, either. So if your return is fairly straightforward (unlike mine, with all this self-employment yadda-yadda), rejoice! And get yourself over to TurboTax right now to start your return. You don’t even have to be ready to finish it today; you can…
  • Net Worth Update: January 2015

    Stephanie
    2 Feb 2015 | 5:00 am
    New year, new job… but how’s it all shaping up? Let’s take a look! Change: +$4,294 or +36.76% January Net Worth: $15,975 A nice (very nice!) change there. But, I don’t expect the trend to continue at quite such a speedy way. This month, there were a lot of boosts to my accounts from the start of the year (matching deposits into retirement accounts), whereas next month, I expect to be shelling out for at least one big expenditure: a new computer. And not just any old computer – I’m pimping out the best built-from-scratch computer I can afford in order to handle the livestream…
  • Net Worth Update: March – December 2014

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

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

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

  • The Absolute Easiest Way to Start Investing

    Me
    26 Feb 2015 | 3:03 pm
    When I look back just a couple years ago it’s funny to think of how hard I thought investing was going to be. It completely intimidated me. So of course, like an idiot, I started with individual stocks and then penny stocks. I lost almost all of my money on the penny stocks and the others aren’t doing too great either. And then when I decided to open up a retirement account I stumbled upon Betterment and investing became super, super easy! If you’re feeling completely intimidated here’s the absolute easiest way you can get started investing. Choose Your Goal First you need to choose…
  • 10 Sustainable Frugality Tips

    Me
    23 Feb 2015 | 6:02 am
    I’m a believer that when it comes to personal finance you need to look at both sides of the equation: income and expenses. But before you focus too much of your time on income you first need to make sure that you have your spending in line. After all, if you spend every penny you earn then you’re never going to be able to save any money. Here are ten sustainable frugality tips that I have used to keep my spending in line for the long term. Invest in Quality Items Frugality is not being cheap. Instead frugality is making smart decisions about your money. Instead of cheap items that…
  • 4 Realistic Ways to Save Half Your Income

    Me
    18 Feb 2015 | 10:58 am
    After calculating my new two person budget I realized that combined we would be socking away 47% of our income on a bad month and even more on the months where we earn more than average. The good news was that we will able to do this at a quite comfortable spending level. (Note that I’m not talking about spending ungodly amounts of money on wasteful things but that we have a small entertainment budget, satellite TV, a healthy food budget and so on.) It feels good to finally say that I can save half of my income without a problem. That means when things are going great we can add a lot of…
  • Is Combining Finances a Good Idea?

    Me
    16 Feb 2015 | 7:59 am
    Just in case you didn’t know I got married a couple weeks ago! It was something I had been thinking about for a while but wanted to feel one hundred percent confident about when I did. So I did it on a whim when I felt ready. Jamie and I went and bought a marriage certificate and had my old boss make it official for us. (Total cost $62.50!) And now we’re to the point where we’re trying to get all of our assets combined. I personally feel that when you get married you should combine all of your finances. I speak from both sides of the equation: having a failed marriage and now feeling…
  • 5 Things to Do Instead of Celebrating Valentine’s Day

    Me
    11 Feb 2015 | 9:28 am
    Valentine’s Day. There’s one thing I now like about it and that’s decorating a Valentine’s box for my kindergartner to take to school. But giving your significant other gifts for a commercialized holiday? It feels so dirty. I’ve always felt this way. I’m not a girly girl to begin with. I don’t like flowers, I don’t wear much jewelry, I don’t wear perfume, and I definitely don’t want a box of chocolates that has one kind that I’ll eat. (What’s up with that anyway?) So while everyone else is giving you advice on cheap Valentine’s ideas I thought I’d come up with a…
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    CreditCards.com

  • Genoeconomics studies how genes influence money habits

    Kelly Dilworth
    27 Feb 2015 | 4:44 am
    Struggling to rein in credit card debt or not saving enough for retirement? Don't just blame yourself for your money troubles. The genes you inherited from your parents may also be at fault. According to a growing body of research in a field of science called genoeconomics, the size of your bank account -- and the amount of credit card debt you carry -- may be partially determined by your genes. For example, in a new paper published this month in the Journal of Political Economy, economists Henrik Cronqvist and Stephan Siegel argue that differences in people's genes could explain why some…
  • I'm 23 and refuse to use my phone's mobile wallet

    Sienna Kossman
    25 Feb 2015 | 12:00 pm
    I'm a tech-savvy millennial who won't use a mobile wallet.I've owned a smartphone for years, use digital devices to monitor my health and workout statistics and instead of paying for cable TV I stream movies and shows basically for free. On the road, I'm not even sure what I would do without turn-by-turn navigation.However, even though a FICO survey released in January revealed that millennials are more likely to use mobile wallets than other age groups, I'm perfectly happy swiping my old-fashioned plastic cards. Approximately 32 percent of people in my generation may begin using a mobile…
  • Money can't buy happiness, but it can reduce sadness

    Kelly Dilworth
    20 Feb 2015 | 9:00 am
    The popular adage that money can't buy happiness may be only half-true, according to a new study published in the journal, Social Psychological and Personality Science. It's true that having more money in the bank doesn't make people feel happier on a day-to-day basis, according to the study. But it might make them less sad -- especially knowing they have enough cash stashed away to cover a financial emergency. "Having more money provides more options for dealing with adversity," write study authors Kostadin Kushlev, Elizabeth Dunn and Richard Lucas, in an early version of their report,…
  • Bidding spirited for Kurt Cobain credit card

    Jay MacDonald
    19 Feb 2015 | 4:23 pm
    Though we didn't hear it often during his reign as the chain-smoking, bed-haired, cardigan-clad enfant terrible of Seattle's grunge rock scene, a few hoarse chuckles from the late Nirvana frontman Kurt Cobain are no doubt hovering over the latest celebrity online auction. If anything could tickle Cobain's funny bone, it would have been the sight of his old SeaFirst Bank Visa credit card going to the highest bidder at "Legendary: Memorabilia from Rock Gods & Pop Stars," presented by auctioneer Paddle8 through Feb. 26. Having reached a bid of $6,600 just two days in, the Kurt Card is…
  • Don't let your 'side hustle' become a full-time headache

    Sienna Kossman
    18 Feb 2015 | 11:00 am
    An additional source of income can help you pay down debt or save for retirement, but the more you work, the more dollars and taxes you have to keep straight. However, "Mo' money, mo' problems" doesn't have to be your personal anthem if you're juggling more than one job. Whatever your "side hustle" of choice is -- part-time employee, freelancer or full-fledged small business owner -- here are a few tips for keeping your finances on track as you take on extracurricular employment: 1) Plan ahead for income tax costs. If you moonlight as an evening Starbucks barista after your 9-5 office job,…
 
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    One Frugal Girl

  • Ugh

    One Frugal Girl
    27 Feb 2015 | 1:17 pm
    Over the past three and a half years I’ve gotten rid of a lot of baby items. I kept quite a few of my son’s favorite toys, super cute clothing and big ticket items like bouncy seats and highchairs, but a lot of other things were passed on to others. I thought we might have another child, but I didn’t want to keep everything around forever. I did keep my son’s activity mat. You know those little rainbow shaped contraptions that hold toys your infant can attempt to kick and grasp. I can’t remember exactly who bought it for us, but I received it as a gift at my baby…
  • Is eBay Worth the Trouble? – Results From My Recent Listings

    One Frugal Girl
    25 Feb 2015 | 5:20 pm
    I received a couple of emails in response to yesterday’s post. Two readers wanted to know if I would list items on eBay again and whether or not it was really worth the trouble of selling there. Honestly, I think it depends on what you want to get rid of and how much you think you’ll earn from the items you sell. I listed unwanted gift cards, movies, an old cell phone and a video game controller. (None of these were high ticket items.) My goal was to earn a minimum of $10 off of each listing. As you can see in the table below I failed to achieve this in five of my thirteen…
  • Book Review: Pants! No Chance!

    One Frugal Girl
    25 Feb 2015 | 5:00 am
    Book Description: Lulupop rarely puts up a fuss, except when it comes to wearing pants. Dresses, dresses, dresses, is all she will ever wear! With time, a little drama, and no lack of imagination, Lulupop realizes that wearing dresses is not always the best choice. Author Interview: In your picture book “Pants No Chance,” Lulupop, the main character loves dresses. When you were a little girl did you love dresses? If yes, do you still love dresses? As a little girl I did love dresses but only certain ones, depending on the fabric and style. I remember being around three years old and my…
  • Just Get It Out of the House!

    One Frugal Girl
    24 Feb 2015 | 6:28 pm
    One of the hardest things about purging is figuring out what on earth to do with all of the stuff we no longer need. After watching my husband clean out the garage I am surprised by just how differently we approach this problem. While I cleaned out the majority of the house my husband was in charge of a small section of the basement and the garage. When it was his turn to remove clutter he pulled six large trash cans into the backyard and began tossing everything in sight into them. A couple of things were tossed into a pile for family members, but the rest were pitched with little regard. He…
  • A Belated Valentine

    One Frugal Girl
    21 Feb 2015 | 2:28 pm
    My husband says I don’t thank him enough. He’s absolutely right! On a day-to-day basis I often fail to tell him how thankful I am to be his wife. We’ve known each other for nearly nineteen years and I am often amazed at how well we’ve continued to grow together. When you are young you don’t think about how organized your spouse might be or how well they handle money. At least I didn’t. At the time these things didn’t seem important. Nineteen years later I believe compatibility is the key to a strong marriage. If you want an organized home you will be…
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    My Dollar Plan

  • New Target REDperks Reward Program

    Madison
    27 Feb 2015 | 6:29 am
    It’s Free Money Friday! Target is rolling out their new Target REDperks program. It’s still in beta and only available in some markets, but if you get accepted it’s worth some free rewards. How to Sign Up for Target REDperks Enter your name and zip code at Target REDperks. If you are in one of their target markets, you’ll be approved to download the app. If not, Target will email you once the program is in your area. Terms and Conditions You can only earn and redeem points in the U.S. Points expire one (1) year from the date they are earned. One Program membership per…
  • This Month’s Most Popular Finance Tips: February

    Madison
    26 Feb 2015 | 6:29 am
    This month our most popular finance tips and discussion topics were how to find the best place to sell your stuff for cash, how to get a free $10 Amazon gift card, improve your credit score, avoid money mistakes, get $30 to pay your cell phone bill and all about the Kiddie Tax. If you missed the most popular finance tips this month, here’s a quick overview: This Month’s Most Popular Tips: February Best Places to Sell Your Stuff to Make Quick Cash. If you need to find a way to make money quickly, here are four places you can sell all the extra stuff in your house to bring in some…
  • How to Calculate Self Employment Tax

    Madison
    25 Feb 2015 | 8:40 am
    Did you recently start your own business and need to learn how to calculate your self employment tax to file your tax return? If you are an individual who is self employed, you have many advantages over people who are employed by companies. Of course, you get to set your own hours and rates, which is something many other employees cannot do. However, at the same time, you will be required to pay your own self employment taxes, which can be somewhat complicated if you have never done so before. But don’t worry; once you walk through it, it’s pretty painless. Let’s walk…
  • How to File Taxes While in Prison

    Amanda
    24 Feb 2015 | 6:21 am
    Prisoners who have been in the system for longer than a year typically do not make much income. In fact, they may not even make enough to be required to file taxes. If you’ve thought about filing a tax return in order to take advantage of your low prison wages and the Earned Income Tax Credit (EITC), well that’s not really an option either as all income earned as a prisoner is excluded from counting towards the earned income needed in order to qualify for this refundable credit. So why would you need to file a tax return while in prison? For one, you may be receiving other forms of income…
  • Don’t Fall For These Marketing Tricks That Make You Spend More Money

    Don
    23 Feb 2015 | 8:25 am
    How often have you gone to the mall not intending to buy anything, yet you walk out with bags of stuff? If you are like most others, this has happened to you more than a few times. The question is why does this happen? The simple answer is that marketers get us to spend. They spend millions every year trying to figure out the best ways to get us to spend our hard earned money. I am going to walk you through a handful of tricks they use. How many have you fallen for? (Photo Credit:Stuart Miles/FreeDigitalPhotos.net) Tricks Used to Get You to Spend More Money Some of the tricks that marketers…
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    My Financial Journey

  • Retirement Nestegg Report – January 2015

    MFJ
    2 Feb 2015 | 9:30 am
    Well another all-time high and I finally put some good distance between the SP500 and myself when it comes to peformance. Last year I trailed the SP500 by 2.5-3.5% and this month I made up a lot of that ground already. It’s earnings season and a number of my big stock holdings (Netflix, Amazon, Apple, Starbucks) had some great reports and good increases in stock prices this month. Let’s hope this trend continues into February. Taxable Account – $9,719.27 (+1.19%) Traditional Rollover IRA – $35,086.77 (-0.34%) My Roth IRA – $122,362.76 (+3.89%) Wife Roth IRA –…
  • Expenses Cut in 2014

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

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

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

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

  • Digit Automates Your Savings Like Magic

    Jackie Beck
    23 Feb 2015 | 4:00 am
    Let me start out by saying that I pretty much never rave about things the way I’m about to now. (Unless you ask me about Antarctica! Then I won’t shut up.) And I’m sure not doing so here for the $5 I’ll earn if you sign up through one of my links. But hey, I AM a personal finance blogger, so it’d be silly not to offer the referral link :) Read on for an introduction to a money-related service that I think you’ll love. It’s like magic Ever wish you could save money like magic? Without having to think about it or spend a bunch of time setting things up?
  • Let’s Talk About Money

    Jackie Beck
    16 Feb 2015 | 4:00 am
    What kind of talks do you give yourself about money? Be honest: Are they pep talks or whines? (Or maybe a little bit of both?) What you say to yourself (and others) about money matters, so start hearing your words. As you start noticing the way you talk about money, remember you can always change your words and actions if you don’t like what you hear. I’m not the only one who believes it matters, either. Dorethia Conner wrote #MoneyChat THE BOOK to help others get out of debt, manage their money, and create financial security. Her book is clear, engaging, and actionable. (As…
  • The Real Value of Passive Income

    Jackie Beck
    9 Feb 2015 | 4:00 am
    You may or may not be in search of passive income ideas right now, but have you given much thought to the real value of passive income? Of course, we know intellectually that passive income is money that comes in when you’re not actively working to earn it. It can be money that continues to come in because of work you did in the past, or it can be money that comes in because of investments. What it does for you But passive income’s real value lies in the answer to this question: “If you stopped working today, how long could you go before you ran out of money?” If your…
  • How to Create Goals You Can Actually Succeed At

    Jackie Beck
    2 Feb 2015 | 4:00 am
    It’s the beginning of February as I write this, which means that hoards of new gym members are starting to stay home. Other well-intentioned resolutions-masquerading-as-goals are also falling by the wayside in droves right about now. Why? Because it’s all well and good to say things like “I want to get healthy” or “I want to get my finances in order”, but it’s another thing to do it. Here’s how to create SMART goals you can succeed at. Motivation matters Achieving your dreams means creating a goal you can actually be successful at — not…
  • Rushed or Impatient? You’ll Pay More for Purchases

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    26 Jan 2015 | 4:00 am
    I’ll admit it: I am not a patient person. When I want to do something, go somewhere, or buy something, I want to do it NOW. My family is used to this. Here’s a typical conversation: Hey, want to go to the movies? Sure, when? Right now, let’s go! (And 10 minutes later we’re out the door.) Then there’s the time I decided I wanted a little camera that could fit in my purse. My husband began researching options and prices. I asked him to forget it, because I was headed to Best Buy. (Where I did in fact buy a little camera.) And you know what? There’s…
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    Million Dollar Journey

  • The Dogs of the TSX 2015

    FrugalTrader
    23 Feb 2015 | 4:30 am
    One dividend strategy that is popular among investors is the Dogs of the Dow. In this strategy, investors buy the highest yielding dividend stocks on the Dow Jones Industrial average. What is the Dow Jones Industrial Average (DJIA)? It’s a price-weighted U.S index containing 30 stocks from the New York Stock Exchange (NYSE) and the Nasdaq. For the most part, the index includes very large US blue chip companies such as 3M, Microsoft, Walmart, Proctor & Gamble, Johnson & Johnson, ExxonMobil (and 24 others). With this strategy, you sort the index by dividend yield and buy the top…
  • Net Worth Update February 2015 – Sean Cooper (+6.7%)

    Sean Cooper
    16 Feb 2015 | 4:30 am
    Welcome to the Million Dollar Journey February 2015 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net worth updates on a regular basis. Here is more about Sean. Profile: Name: Sean Cooper Age: 29 Net Worth: $585,926 Day Job: Employed with a major global pension consulting firm. Family Income: $50,000 (full-time job), $18,600 (rental income before expenses), $20,000 (approximate freelance…
  • Business Transition Planning, Save Money on Valentine’s Day, Rebalancing with Foreign Currencies, Radiant Heat Experiment and more!

    FrugalTrader
    12 Feb 2015 | 4:30 am
    It looks like Capital One has replaced their popular travel card with a watered down version (same points system and fee, but no more $100 annual bonus). For those of you interested, here is an updated list of the top free credit cards available to Canadians. There comes a time for most of us to plan for the future. Entrepreneurs have the added load of Business Transition Planning as explained by The Blunt Bean Counter. Many people like to find a reason to rationalize almost everything including action (and inaction) that is to their own detriment. The Retire Happy blog discussed about…
  • The Easiest Index ETF Portfolios for Each Discount Brokerage

    FrugalTrader
    9 Feb 2015 | 4:30 am
    Last week, I wrote about the easiest, cheapest, and perhaps even the best way to invest with your bank mutual funds.  That type of investment strategy is best for those who have no interest in opening a discount brokerage account of their own, regardless of the savings.  However, a lot of you are willing to take the next step in taking over your finances. If you are just starting out and interested in opening a discount brokerage account but not interested in watching the markets day-in and day-out, then index investing using ETFs is an ideal solution.  Index ETFs have almost identical…
  • Easy Index Mutual Fund Portfolios with the Big Banks

    FrugalTrader
    2 Feb 2015 | 4:30 am
    Over the years while helping readers, friends, and co-workers with investing, I’ve come to the conclusion that convenience is of the highest priority, even if it means paying higher fees.  Most people simply want to stick with their current banking institution and have no interest in opening a discount brokerage of their own. Having said that, if they “must” stay loyal to their bank and their mutual funds, I usually recommend that they pick their bank’s index funds as they will likely have the lowest fees of the mutual funds offered. A new graduate at work recently…
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    Bible Money Matters

  • WiseBanyan Review: Free Automated Investment Advisor

    Peter Anderson
    24 Feb 2015 | 1:24 pm
    WiseBanyan is a free automated investment advisor that invests your money in a highly diversified and rebalanced ETF portfolio for FREE. Are they legit? The post WiseBanyan Review: Free Automated Investment Advisor appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Swagbucks Review: What Is It, How Does It Work And What Can You Earn And Win?

    Melissa
    23 Feb 2015 | 6:50 am
    Swagbucks is a free online rewards program where you can earn gift cards, prizes and other rewards just for searching, filling our surveys and other easy activities. Here's how to get started. The post Swagbucks Review: What Is It, How Does It Work And What Can You Earn And Win? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Should You Listen To Financial Gurus?

    Peter Anderson
    19 Feb 2015 | 9:00 am
    Financial gurus are telling you how to get out of debt, and what to do with your money and investments. The question is, should you follow their advice? The post Should You Listen To Financial Gurus? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Building A Better Investing Portfolio: Keep It Simple

    Peter Anderson
    13 Feb 2015 | 1:27 pm
    There are plenty of simple ways to invest these days that can bring good long term returns, even if you're an investing novice. Here's how to get started. The post Building A Better Investing Portfolio: Keep It Simple appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 10 Ways To Improve Your Relationship This Valentine’s Day

    Peter Anderson
    9 Feb 2015 | 11:00 pm
    Here are ten ways to improve your relationship on Valentine's Day, and throughout the year. The post 10 Ways To Improve Your Relationship This Valentine’s Day appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Canadian Personal Finance Blog

  • RRSPs, Saint David, Right Arm and #BestOfThisWeek

    bigcajunman
    27 Feb 2015 | 5:22 am
    Hope everyone is enjoying the festive last week of RRSP season and for those who enjoy getting that last minute Income Tax break buzz, you have until Monday next week to get your last minute RRSP contributions in place, to get a break on your 2014 taxes. As I mentioned this week, maybe we should have this kind of excitement for TFSAs? It’s not necessary as the limits carry forward for you (another reason to like the TFSA more than the RRSP). The Daffodil a True Sign of Wales (and spring I hope too) Sunday is Saint David’s Day for my Welsh brethren. Wales plays France on Saint…
  • RRSP then TFSA ?

    bigcajunman
    25 Feb 2015 | 4:11 am
    Given it is nearly the end of the festive RRSP season, I figured I’d cover one of the most asked questions folks have asked me (more than once), “Should I put my money in my RRSP first or my TFSA?”. For most Canadians, it is an interesting question to ask, but I think I have found the definitive answer the question on the order in which extra money should be used. I think the following explains it clearly: Pay off your debt first¹ ¹ – If you do not have debt please take the advice later on in this post. Seems pretty straight forward doesn’t it? Maybe I am not…
  • RRSP Bingo

    bigcajunman
    23 Feb 2015 | 4:35 am
    One of my favorite games that I used to play at work, would be Meeting Bingo, where someone would print out a Bingo card with a whole bunch of buzzwords, or acronyms that might be used in the meeting, and you tried to fill up your card (although it was very bad form to yell BINGO! in the middle of the meeting). With this being the last week of RRSP contributions for Tax Year 2014, allow me to give you an RRSP Bingo Card, that you can take with you if you are going to visit a bank or investment institution, and see how many of these terms get used in your meeting (or just how many of these…
  • Lent Begins, Freezing Temps, Apples and RRSP and #BestOfThisWeek

    bigcajunman
    20 Feb 2015 | 5:35 am
    Lent has begun (it started on Wednesday), and what are you planning on doing  for Lent (in terms of your finances)? You can go simple with the pledge to bring your lunch to work (instead of buying lunch) and putting the money into a savings plan of some kind, or you could simply read more things about money to have a better understanding how things work, but do something, it is the perfect time to try a 7 week experiment. Maybe try exercising more, or just park your car further from work so you have to walk farther ? No need to get too complicated just try something new. Lent The Frigid…
  • Happy Year of the Sheep

    bigcajunman
    19 Feb 2015 | 5:07 am
    Yes to my Chinese friends (and those that use that Calendar) happy year of the (Wood) Sheep or Ram depending on how you look at it. What does this year mean? Here is one interpretation: According to international Feng Shui expert Marites Allen, the Green Sheep is also a symbol of good fortune. Thus this year will be a period of good fortune, peace and abundance. Luck will be favorable to most Chinese animal signs in the Year of the Wood Sheep. Works for me, oh and here is my terrible joke once more, enjoy the celebrations! Happy 2015, I do so love Geek Humor © bigcajunman for Canadian…
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    Early Retirement Extreme

  • The hedged nature of early retirement extreme

    Jacob
    28 Feb 2015 | 6:22 am
    There’s one defining characteristic way about the way I plan: I may not win, but I never lose. (You may have picked up this sentiment from some of my discussions of strategy.) Hence I will focus my efforts disproportionally towards avoiding bad outcomes rather than seeking good outcomes. This leads to a modest but tranquil life; perhaps suitable for a stoic. It also annoys the optimists. As you may have noted, I have a background in peak oil. Peak oil is currently at a stage where climate change will be in ten years. Nobody denies it anymore. When I first got interested in it, back in…
  • My dreams of becoming a “slumlord”

    Jacob
    27 Feb 2015 | 6:21 pm
    I would actually much prefer to gain my income directly from housing (or my own business) rather than the stock market (REIT’s being a decent compromise). So far I have thought of buying an N-plex and living in one of the units. However, I just found out that it is possible to buy mobile home and/or RV parks. The price range runs from a few hundred k (which is my kind of money) to several million bucks which I’ll reserve for another lifetime or at least another decade. I could absolutely envision buying an RV-park and tailoring it towards tiny houses; most likely on wheels, but a…
  • Make your own refried beans

    Jacob
    27 Feb 2015 | 6:19 am
    Here’s how to make refried beans (unit cost: negligible) First you get a 20lbs bag of pinto beans for free at freecycle.org Second, you take a large bowl and soak the some beans in water all day. Third, you cook them in a pressure cooker. An ordinary pot works as well, but it takes 3 times as long and requires 6 times as much electricity, gas, etc. Fourth, you mince an onion and crush a few garlic. By a few I mean a lot Fifth, you saute the onion and garlic in a deep pan until golden brown. Cast iron works great(*). I use one of these. Use more oil than you think.You probably want to…
  • Interview with Modern Gal

    Jacob
    26 Feb 2015 | 6:18 pm
    Today we have an interview with Modern Gal, who quit her corporate career at age 35 and decided to join a non-profit and make a difference in the world. It seems that we have a lot in common. Q: What is your early retirement story? MG: About 7 years ago, at the age of 35, I decided to take a sabbatical from my work in a fast-pace corporate environment. Initially, I traveled a lot and visited friends that were at that time scattered across the globe, then, I decided to park myself in one location and decide what I wanted to do next. Since the first day of the ‘sabbatical’ I have been…
  • Theory of mind

    Jacob
    26 Feb 2015 | 6:14 am
    Lately I have been fascinated with the concept of a theory of mind. To use the word theory in its correct scientific sense, it would be better to speak of a “hypothesis of mind” since neither one’s own mind nor other people’s minds are directly observable. Instead it is an inference. The collection of inferences then forms a working theory. Go ahead and read the link. I’ll summarize and comment further below. Possessing such “a theory of mind” allows one to identify and attribute knowledge, beliefs, and intentions to oneself and to others. By…
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - January 2015 ($1,969,771, -$12,136)

    webmaster@pfblog.com
    21 Feb 2015 | 5:07 am
    Our back-to-back five-figure monthly asset growth finally came to an end. In the month of January 2015, our net worth dropped over $12K, or about 0.6%. On a trailing 12 months basis, our war chest still delivered a comfortable improvement of $305K, or 18.4%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - December 2014 ($1,981,908, +$68,396)

    webmaster@pfblog.com
    25 Jan 2015 | 4:12 am
    Our net worth closed the year of 2014 in a high note, climbing a whopping $68K in December. For the full year, we added over $322K to our bottom line, the largest of any year in our history. In fact, we recorded 5-figure monthly improvement in 10 of the 12 months in 2014, including nine back-to-back months between Q2 and Q4 of 2014. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - November 2014 ($1,913,512, +$57,816)

    webmaster@pfblog.com
    13 Dec 2014 | 10:36 pm
    November has been a great month for us. Riding on some substantial portfolio gains, our net worth climbed to a new high of over $1.9M, making this the 8th month of back-to-back five-figure growth. This year so far, we grew our financial fortune by over $250K. If 2014 ends today, it will be our largest annual gain, ever. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - October 2014 ($1,855,696, +$18,816)

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

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

  • Starting Up Your Own Business

    admin
    27 Feb 2015 | 1:59 pm
    Starting a small business can be a fun and exciting way for people to gain their own financial independence. It is also a way for people to escape working for a boss they hate at a job where they are not appreciated and underpaid. No matter what type of business you choose to start, you will need to promote it and let people know it exists. This is the part of starting a small business that many people get wrong. They spend so much time worrying about their inventory and finding suitable employees that they don’t stop to consider the best ways to let the public know about their…
  • A Case For Self-Reliance In Stock Trading

    admin
    25 Feb 2015 | 4:53 pm
    Before the financial crisis, the world of high finance had become its own priesthood. If anyone could understand derivatives, then they were considered the physicists of finance. However, when Lehman Brothers collapsed, the financial system went into a seizure. In those scary times, the world economy almost toppled over. Although the economy has rallied despite an $18 trillion deficit, our naiveté has also returned and the default state when it comes to investments is to go with an investment banker rather than manage our own investments. Perils on the Path of Least Resistance According to a…
  • Emergency Cash Loan – What Is It?

    admin
    23 Feb 2015 | 3:48 pm
    There are so many terms that are currently used in the financial industry. It is quite hard for a regular person to know them all. That is completely normal. With this in mind, there is no reason to be surprised of the fact that not many know what the emergency cash loan is. Even for some that do have financial experience, understanding is difficult. To put it as simple as possible, an emergency cash loan is any loan that is designed to help people that are faced with financial difficulties. This includes everything from payday loans to the instant cash loan presented on need2000loan.com. In…
  • Top tips for a 0% balance transfer credit card

    admin
    21 Feb 2015 | 3:00 pm
    Why consider getting a credit card? We all spend on credit cards from time to time and your credit card balance can accumulate and could be attracting interest at enormous rates. Even worse, you may have maxed out your credit card and are finding the monthly repayments a real struggle. A 0% balance transfer credit card can save you £100s if not £1000s in interest charges alone. The 5 Top Credit Card Tips: 0 % balance transfer credit cards may seem too good to be true and they very well could be if you do not follow our 5 top tips! However, used wisely they could save you £1000s in interest…
  • Six Steps to Paying off Debt and Investing in your Future

    admin
    16 Feb 2015 | 5:04 pm
    If you were to lose your job tomorrow would you have enough saved up to pay your monthly expenses? What if you were to retire next year or the year after, do you have enough money saved up to cover your expenses and any medical bills that are likely to arise? Consumer debt has taken control of many budgets. If you are struggling to pay off your debt and wonder how you can possibly save for the future when you have so many bills to pay, don’t lose hope. Learn to take advantage of financial support programs to help with current finances and start learning positive financial habits. Overtime…
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    FIRE Finance

  • Happy Valentine's Day

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

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

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

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

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

  • Friday Finances: February 2015, Week 3

    Lulu
    20 Feb 2015 | 5:42 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month. This week my expenses were: $23..43 for food….which was mostly fruits and vegetables. I have already run out of almost everything that I bought and I am dangerously close to the monthly food budget. I can always borrow money…
  • I Am Making Money Off My Friends

    Lulu
    16 Feb 2015 | 7:03 am
    I am making money off my friends and they don’t seem to have a problem with it. I have two friends who are in my degree program and should know a lot more about the best ways to manage their money. They are actually a couple that live together but they both admit they have problems with sticking to a budget. In order to prevent too much spending they both employ tactics such as not having Amazon accounts. They both feel that if they have accounts they will not be able to resist the urge to order things constantly. I actually have the female of the pair using Swagbucks to earn cash on…
  • Still Waiting On Some Income Tax Documents

    Lulu
    1 Feb 2015 | 11:12 pm
    I am still waiting on some income tax documents so I can finally cross filing taxes off my list. I have most of the documents that I need but there are still a few that are dragging along. I really want to have everything in so I can just fill out the forms and hit file. I know the majority of people that I deal with on a daily basis actually dread doing their taxes. It is not because they are very complex or even because these people will have to pay. People just seem to be afraid of the word taxes like they fear the word budget. I actually enjoy doing my taxes whether I get a refund or have…
  • Friday Finances: January 2015 Week 5

    Lulu
    29 Jan 2015 | 11:56 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month. This week my expenses were: The phone bill…or at least my portion of it. I am back on track with the phone bill after missing one month’s payment. I paid double last month because I forgot to pay the previous month. I am…
  • Friday Finances: January 2015 Week 4

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

  • NMP: Not My Problem!

    funny
    26 Feb 2015 | 2:13 pm
    WonderAccountant has a term for the High Drama friends and family like to inflict on us (and everyone around us): NMP! That’s short for Not My Problem! You know whereof I speak, I’m sure: we all have a variety of Drama Kings and Queens in our lives. “NMP” is a  handy device for disconnecting from that noise. Well, I’ve been in high NMP mode all day, trying to throw off the traces of not one but two Other People’s Problems. First off, the college (or maybe the district) has an annual thrash-around in which they try to do “Assessment”: a…
  • Cost(co)-Cutting as a Budgetary Strategy

    funny
    25 Feb 2015 | 4:12 pm
    So yesterday being Tuesday of the first week into the new budget cycle, I made a gigantic Costco run. As part of the new budget strategy, I’m determined to limit the visits to Costco to one (count it, 1) visit a month. After that, I figure if I run out of something, I either do without it or get it at a grocery store. But…the dogs and I were out of almost everything. The larder was as bare as Old Mother Hubbard’s cupboard. We actually had run out of dog food. Fortunately I’d picked up a roll of the overpriced dog food I learned about during the late, great infirmity.
  • Back on Budget at Last! But…at what cost?

    funny
    22 Feb 2015 | 12:39 pm
    A miracle has  happened: January and February expenditures came in well under budget. On average, I figure to spend $657 a month for nondiscretionary bills (factoring in the high summer utility bills with correspondingly tiny winter ones) and about $1200 for things I have some control over. Total budgeted for day-to-day expenses: $1857/month. In January, I managed to come in at $1,665, and in February, at an amazing $1,447: TOTAL. Hot damn! February’s discretionary spending was kept to an almost incomprehensibly low $862, in spite of the $240 brake job! Nondiscretionary expenses, which…
  • Tang Me! Tang Me! Yuh oughta take a rope an’…

    funny
    20 Feb 2015 | 8:18 am
    …hang the dishwasher? Remember the rage, a few years back, for cleaning out the dishwasher with Tang, the fake-food sugared orange drink mix? Ever wondered how that worked? Welp, after much scrubbing and cleaning and vinegaring of the stinky freakingbrandnewDishwasher, I got the weird smell out. For awhile. But within a week or so, it was back. The machine doesn’t seem to be dirty. In fact, I began to wonder if it was the water — the city adds some very strange chemicals to the water as the weather starts to warm. This is a new odor, but every now and again we do get a new…
  • Wait, wait…before you read that last post!

    funny
    17 Feb 2015 | 9:00 am
    First,  you’ve gotta read this hilarious article by Pamela Druckerman! I could barely get through my morning coffee without choking on it. One thing’s for sure: the lady can write circles around Yours Truly. Where my post plods with the snails, hers sails with the swifts. Don’t miss it.
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    Lending Club Blog

  • Nearing Retirement – How an IRA Can Help

    Lending Club
    25 Feb 2015 | 3:27 pm
    An Individual Retirement Account (IRA) can help you prep for retirement If you’re preparing for retirement, you may have opportunities to contribute to an IRA. A Lending Club IRA[1] can combine steady monthly cash flow with tax advantages. Have you considered one to help grow your nest egg? The good news is that you still have time. Catch up contributions and annual contributions Individuals who were age 50+ by the end of 2014 can make “catch-up” contributions to certain retirement accounts. For Traditional and Roth IRAs, the catch-up amount is $1,000 above the standard limit. And, if…
  • How an Individual Retirement Account (IRA) can help you reduce your taxes

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

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

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

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

  • What You Don’t Know Can Cost You

    Vera Gibbons
    26 Feb 2015 | 8:07 am
    When it comes to your financial health, what you don’t know can cost you. Just like the annual physical with your doctor keeps your body’s health on track, knowing your financial vital signs can save you money and help you keep fiscally fit. Match your financial knowledge in the categories below to see where you can shape up! Net Worth Do you know what your net worth is? If the answer is no, you’re not alone: most Americans don’t! But knowing your net worth, the value of your assets (your savings and retirement accounts, your house, collectibles, your car) minus your total debts…
  • Don’t Let a Fender Bender Break the Bank

    CoverHound
    23 Feb 2015 | 8:28 am
    According to the National Highway Traffic Safety Administration (NHTSA) there were more than 5.6 million police-reported crashes in the U.S. in 2013. No doubt these crashes can take a huge emotional and financial toll on those impacted – and you might be surprised to learn what your policy covers, and doesn’t cover. The price tag for those crashes: $871 billion in economic loss and societal harm in 2010 also according to the NHSTA. If you find yourself in an accident, it’s easy to feel frustrated, overwhelmed and scared. But there are a few things you can do to protect you and your…
  • Getting Oscar Ready Without Breaking Your Budget

    Joanna Hughes
    19 Feb 2015 | 8:28 am
    When Jennifer Lawrence tripped up the stairs en route to collecting her Oscar for Silver Linings Playbook, she did so in a voluminous, ballerina-pink Dior Couture gown now reported to be the most expensive Academy Awards dress in the show’s history. Its value? A whopping $4 million when you factor in the endless brand exposure of her acceptance speech and frequently GIF-ed spill. While Lawrence’s gown may be an extreme example, the cost of the typical Oscar dress can range between $5,000 and $15,000. If you are looking to get dressed up for a special occasion, whether it is a red…
  • Everyday Savings Hacks

    Mint.com
    17 Feb 2015 | 8:38 am
    Did you know that making your morning cup of coffee at home can save you up to $60 a month? When it comes to your everyday activities, there are plenty of quick and easy life hacks to save yourself money. Over time, the dollars and cents will really add up. Watch for more Mint.com savings hacks below!
  • #BeMintValentine Giveaway: Share the Love!

    Mint.com
    13 Feb 2015 | 12:46 pm
    Every Valentine’s Day, we bestow gifts on those we love. But why not share something that will last a lifetime, like the chance to be good with your money? Today through Monday, February 16th (at 11:59pm PT), visit our Twitter and Facebook pages and share why you love Mint for a chance to win some fun Mint schwag and one of five $50 gift cards. And the best part? Because this weekend is all about spreading love, the more friends you tag in your posts, the better your chances are of winning! Have you saved big or paid off debt while using Mint? This is the time to let your friends know!
 
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    Ultimate Money Blog- Save Money and Live Green!

  • Homemade Stain Remover Recipe

    Mrs Money
    17 Feb 2015 | 1:13 pm
    The other day I ran out of my normal laundry stain remover and had to make some with items I already had on hand. Here’s what I used: -1 part blue Dawn (I used 1/2 cup of the original that I buy at the Dollar Tree. It is the non concentrated but any Dawn will work) -2 parts hydrogen peroxide I put it in my old stain remover bottle, which is dark blue, so that the hydrogen peroxide will still work when I use it on my clothes. You have to keep hydrogen peroxide in dark bottles. I used blue Dawn because it cuts through grease on EVERYTHING, and so far it hasn’t disappointed with…
  • One and Only Child

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

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

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

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

  • Building a Prefab Home – Types, Cost, Pros & Cons

    Laura Williams
    26 Feb 2015 | 9:00 am
    Don’t let the term “prefab home” scare you away – today’s prefabricated homes (also termed “building systems” by the National Association of Home Builders), are downright fabulous. Not only do they provide home buyers with a custom, energy-efficient building solution, they’re also typically more affordable than traditional stick-built homes. While the total cost of a prefab […] Building a Prefab Home – Types, Cost, Pros & Cons is a post from the Money Crashers personal finance blog.
  • Collecting & Investing in Wine – Costs, Risks, How to Buy

    Brian Martucci
    25 Feb 2015 | 3:00 pm
    When you hear the phrase “wine cellar,” what pops into your mind? I picture a climate-controlled bunker attached to a gaudy beachfront mansion. Sure, wine collecting and investing is a popular hobby among the wealthy elite and has a certain snobbish connotation – but that’s not the whole story. In recent years, it has become […] Collecting & Investing in Wine – Costs, Risks, How to Buy is a post from the Money Crashers personal finance blog.
  • 8 Unique Gift Ideas for Someone Who Has Everything

    Jacqueline Curtis
    24 Feb 2015 | 12:15 pm
    We all know someone who simply has it all. My husband is a prime example: If he wants something, he goes out and buys it, leaving me scrambling for gift ideas when it comes time for special occasions. Whether it’s a car accessory, the latest tech gadget, or new clothes, people who already have everything don’t […] 8 Unique Gift Ideas for Someone Who Has Everything is a post from the Money Crashers personal finance blog.
  • 8 Different Types of Friends Who Are Bad for Your Finances

    Jacqueline Curtis
    23 Feb 2015 | 9:30 am
    You love hanging out, but there’s always that one person in your social group who wants to talk about what’s in your wallet. Whether it’s constantly asking about your financial status or pressuring you to blow your budget, financial “frenemies” can have a serious impact on your bottom line. When friends negatively affect your spending […] 8 Different Types of Friends Who Are Bad for Your Finances is a post from the Money Crashers personal finance blog.
  • What to Write in a Thank You Card – 4 Tips for Proper Etiquette

    Jacqueline Curtis
    18 Feb 2015 | 9:00 am
    It seems as if the world has almost forgotten the art of letter writing. The Pew Research Center found that 75% of cellphone owners text, which means you’re probably more likely to get a birthday note from a friend on your smartphone – not in your mailbox. Although communication has become overwhelmingly digital, there are still […] What to Write in a Thank You Card – 4 Tips for Proper Etiquette is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Nine tricks for buying discounted gift cards safely

    John Wedding
    27 Feb 2015 | 3:22 am
    Buying discounted gift cards can be an easy way to spend a bit less. There are a number of websites that sell discounted gift cards, both physical and electronic. Depending on the retailer, the savings can be a few percent to 25% off, or more. Though buying discounted gift cards is straightforward, I do concede that it’s not completely without risk, for a few reasons: Someone else has the gift card’s information, and could potentially spend the balance down even after they’ve sold the card to the broker website, or directly to you. Physical cards need to be mailed to you,…
  • Five items to stay powered up and warm

    John Wedding
    18 Feb 2015 | 5:26 am
    The winter weather in our area, like other places in the country, has been pretty bone-chilling the past few days.  Not nearly as bad as in the northeast, but still chilly. We learned the hard way a few years back that we weren’t quite prepared for a multi-day loss of power.  We had kind neighbors, and that got us through.  The experience motivated us to prepare a bit so that we could be the kind neighbors the next time around. Our heat was zapped … literally This weekend, we had gale-force winds on top of sub-zero temperatures.  The winds caused power fluctuations at our…
  • If margins are thin, discounts are tough

    John Wedding
    13 Feb 2015 | 1:09 am
    Do you notice how some stores seem to have 50%-off sales a lot of the time?  Does this make you think that the regular prices are about 100% too high? Walmart and Amazon.com aren’t like this at all.  These two retailers are perhaps best known for their low prices.  To offer low prices every day, they have lots of efficiencies built into their business models, and very small profit margins. Some discount tricks don’t work as consistently Many stores offer coupons to bring in shoppers.  But aside from those, there are still a few ways to shave a few percent off here and there on…
  • Save money by talking through purchases, big and small

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

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

  • Can Personal Loan Interest Rates be Tax Deductible?

    Ginger
    27 Feb 2015 | 4:00 am
    Come tax season you’re anxious to get all the write-offs possible. As you pull all your bank statements and other financial documentation, you wonder if the interest rate you paid on your personal loan is tax deductible. Read on to discover if this is something you can capitalize on. Personal Loan Interest Used to Be Acceptable Interest rates were at a time deductible for your income taxes. This was for personal loans and credit cards. However, this is not the case any longer as Congress stepped in and created the Tax Reform Act of 1986. The Treasury Department noticed that Americans…
  • #MoneyChat: Real Talk About All Things Money and Business

    Ginger
    26 Feb 2015 | 4:00 am
    Today we have an interview with Dorethia Conner Kelly, brilliant author and mastermind behind #MoneyChat – The Book!  I truly enjoyed her book as she gets real about money issues and how to solve them with real world solutions.  Check out her insightful interview below! Get a FREE chapter of #MoneyChat: The Book here: http://ow.ly/GKrCn via @dorethiaconner What is someone’s ‘#MoneyChat’? Your #MoneyChat is what you SAY and DO with your money. I believe the two are directly related and that you have to change what you say in order for your actions to follow. #MoneyChat’s…
  • You’ve Hired Guest Speakers. Here’s How to Treat Them Right.

    Ginger
    25 Feb 2015 | 11:00 pm
    Your business event is underway, and you’ve hired the perfect guest speaker to teach and motivate your employees. Here’s how you can treat your speaker the right way before, during, and after your event. Before the Event Take an honest look at your capabilities when it comes to event planning. If you need help with video creation, presentation, and live event setup, you might benefit from working with a full-service bureau, like Leading Authorities Speakers Bureau, which can help with staging the speech instead of hiring an independent speaker and doing staging on your own. Once you’ve…
  • Why I Can’t I Leave My Abusive Relationship?

    Ginger
    25 Feb 2015 | 4:00 am
    Have you ever wondered by some women stay in abusive relationships?  You may be thinking “I’d never stay with a physically abusive partner!  I’d leave his @$$ for sure!” Think twice about that because the most dangerous time in an abusive relationship is the moment the woman tries to leave.  Once she becomes entangled with an abuser, it’s hard to leave because she may fear for her life or for the lives of her children. Even worse, if the partner maintains financial control and she is without resources then that makes it even more difficult to leave. On the…
  • How Video Conferencing Contributes to Education

    Ginger
    24 Feb 2015 | 9:50 am
    Interest on education and the importance thereof continues to increase worldwide. The average age of college students is increasing as more and more adults go back to school, thanks primarily to changes in the accessibility of college courses and degree programs. A great deal of this increase in accessibility is thanks to video conferencing and other related technologies, which transform previously text-only online courses into video lectures, often streamed live to allow interaction from students. Since InsideHigherEd.com reports that roughly 25 percent of all students take at least one…
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    The Finance Buff

  • Schwab Intelligent Portfolios: "Holding Cash Is Good For You"

    Harry Sit
    23 Feb 2015 | 7:38 am
    I had high hopes for Charles Schwab’s upcoming robo advisor product Schwab Intelligent Portfolios. It’s supposed to have Schwab’s brand, scale, customer service, IT infrastructure, low-cost ETFs, and zero fees above the underlying ETF expenses. However, Schwab had to make it not so clean-cut. What could’ve been a very compelling product all around is now a little difficult to explain. Instead of an unequivocal “sign me up” people are given some reasons to debate, hesitate, and possibly be consumed by procrastination and inertia. ETF Selection Schwab…
  • Anatomy Of a Co-Branded Credit Card

    Harry Sit
    17 Feb 2015 | 4:44 am
    News said Costco will break up its co-branding relationship with American Express. The Costco American Express card will discontinue after April 2016. I worked a small part in a similar co-branded credit card deal. I will share some information about the general structure of a co-branding relationship. What Is Co-Branding? A co-branded card carries the brand of a partner separate from the bank behind the card. The partner makes it more appealing to the target customers. Costco American Express, American Airlines MasterCard, Sierra Club Visa are all co-branded cards. They carry the brand of…
  • Fidelity Extends Free Trades To Five More iShares ETFs

    Harry Sit
    9 Feb 2015 | 4:56 am
    Fidelity sends me marketing mails from time to time. The latest mail piece included some good information worth noting. Under the heading for ETFs, it said Fidelity added another 5 iShares ETFs to the commission-free list. Previously Fidelity offered 65 iShares ETFs commission-free. Not it offers 70. The letter didn’t say which were the five new ones. The online list was updated to show the 70 commission-free iShares ETFs. It also doesn’t show which five are new. There is one FAQ: Why did Fidelity add 5 new ETFs to the line up? iShares continues to add valuable products that…
  • How To Report Backdoor Roth In TaxACT

    Harry Sit
    2 Feb 2015 | 4:55 am
    By request from a reader, I give a walkthrough for how to report backdoor Roth in TaxACT. If you use TurboTax, see How To Report Backdoor Roth In TurboTax. If you use or H&R Block software, see How To Report Backdoor Roth In H&R Block Software. For backdoor Roth in general, see Backdoor Roth: A Complete How-To and Make Backdoor Roth Easy On Your Tax Return. What To Report You report on the tax return your contribution to a traditional IRA *for* that year and your converting to Roth *in* that year. For example when you are doing your 2014 tax return, you report the contribution you…
  • TurboTax Deluxe Desktop Features Restored, What About Online?

    Harry Sit
    30 Jan 2015 | 4:48 am
    There’s no end to the TurboTax product feature changes saga. After standing firm on the product feature changes (see Intuit Apologizes, Offers Refund, Stands Firm On TurboTax Feature Changes), Intuit is now reversing the changes and putting the removed Schedules C, D, E, and F back into TurboTax Deluxe desktop product (download or CD) for this year, next year, and presumably the foreseeable future. Intuit’s CEO posted a video message on LinkedIn: Sorry Wasn’t Enough. Here’s What We’re Doing Now. Janet Novack wrote on Forbes.com Intuit Cries Uncle, Will Reverse…
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    Maximizing Money

  • Capital One ShareBuilder Promo Code up to $600 Bonus Offer

    Max Messner
    25 Feb 2015 | 4:55 pm
    Capital One ShareBuilder is currently offering from $50 to $600 in bonus cash when you open a new account and deposit at least $5,000, valid through December 31, 2015. Just open a new Capital One ShareBuilder Account and enter Promo Code 600AFF15 during registration to get started. Check out these additional Investment Account Bonuses for more brokerage account bonus offers and investment opportunities. The post Capital One ShareBuilder Promo Code up to $600 Bonus Offer appeared first on Maximizing Money.
  • Virgin America Flight Discounts – 20% Off Promo Code and $25 Visa Checkout Discount

    Max Messner
    25 Feb 2015 | 3:54 pm
    Virgin America offers a variety of airline ticket discounts with promotional code savings and special deals on VirginAmerica.com. Right now, get up to 20% off All Cabin Fares and a $25 discount off a future flight when you use Visa Checkout to book a flight. Get your Virgin America Discount Codes for savings on your next flight with Virgin America airlines. The post Virgin America Flight Discounts – 20% Off Promo Code and $25 Visa Checkout Discount appeared first on Maximizing Money.
  • PNC Bank up to $300 Personal Checking Account Bonus with Virtual Wallet

    Max Messner
    25 Feb 2015 | 3:50 pm
    PNC Bank is offering up to a $300 personal checking account bonus when you open a PNC checking account with Virtual Wallet or other qualifying checking accounts through March 31, 2015. Check out this PNC Personal Checking Bonus that is available to residents of AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA and WI. Review these additional Banking Bonus Offers as well for more national and local bank promotions. The post PNC Bank up to $300 Personal Checking Account Bonus with Virtual Wallet appeared first on Maximizing Money.
  • Chase Bank Savings Account $175 Bonus Coupon Codes

    Max Messner
    25 Feb 2015 | 3:30 pm
    We now have $175 Chase Bank Savings account coupon codes available freely through April 16, 2015. Learn more about these Chase Savings Account Coupon Codes and how you can qualify for $175 in new savings account bonuses from Chase Bank. The post Chase Bank Savings Account $175 Bonus Coupon Codes appeared first on Maximizing Money.
  • North Shore Bank Checking Account $100 Bonus in Wisconsin

    Max Messner
    25 Feb 2015 | 3:25 pm
    North Shore Bank is offering a $100 bonus just for opening a new checking account, valid through February 28, 2015. Check out these North Shore Bank Promotions for new checking account bonuses in Wisconsin. The post North Shore Bank Checking Account $100 Bonus in Wisconsin appeared first on Maximizing Money.
 
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    Abacus Wealth Partners

  • Leaving Money to Kids

    Spencer Sherman
    26 Feb 2015 | 2:23 pm
    Billionaire Warren Buffett was famously quoted as saying that when it came to leaving our children money, the sweet spot is “just enough so that they would feel that they could do anything, but not so much that they would feel like doing nothing.” Bill Gates said more or less the same thing. He has left less than a tenth of 1% to his kids (albeit that is $30 million!). Twenty years ago, my clients routinely left their entire net worth to their children. There wasn’t a question or decision to be made; it was automatic. Now clients at all levels of wealth are re-evaluating…
  • The Dangers of Cash

    Neela Bushnell
    19 Feb 2015 | 1:13 pm
    My mother hosted a dinner party a few nights ago, where I got to catch up with Alice, an old family friend. Knowing that I am a financial advisor, she told me about a co-worker who was buying a house and was putting a sizable amount down. “How is she able to do that?” Alice exclaimed to me. “We make and save the same amount of money!” I asked some probing questions and learned that my friend had been saving her money in a savings account while her co-worker was in diversified mutual funds. Hearing this, my heart broke for my friend. She thought she had done everything…
  • Five Things to Do Before You Die (Your Heirs Will Thank You)

    Susan Olson
    12 Feb 2015 | 1:25 pm
    This past fall I experienced several losses in my family. It amazes me how much there is to do after someone dies. The truth is, many of us spend a lot of time thinking about how we will provide for those we leave behind, but we don’t always take care of making the actual process of inheritance as simple as it can be for our grieving loved ones. Here are some steps you can take to prepare, no matter your age. Retirement accounts and life insurance policies cannot be held in a trust.Click To Tweet Estate Planning Tips Have a trust and fund it. Most of us know we should have a trust, but…
  • Buying a College Education

    Barbara Wolf
    5 Feb 2015 | 1:15 pm
    My youngest child has just been accepted to college. It was both his first-choice school and one that my husband and I agreed was worth the price. With three kids, we treated college as a purchase no different from buying any other item or service, like a home or a car. We wanted to make sure that college was paid for but didn’t want to waste our money. Figuring out how to do that wasn’t easy. Here’s how we did it with Kid No. 1. Does every school costing “x” have the same value?Click To Tweet Determining a School’s Value For our first child, who started…
  • The Home-Buying Mistake I Almost Made

    Neela Bushnell
    29 Jan 2015 | 10:19 am
    Several weeks ago, my new husband and I almost rushed into the biggest financial decision of our lives: buying our first home. Mind you, we had no intention of buying a house in 2014. Our plan was to start looking for a house in mid-2015, after we made it through our November wedding. But my affinity for perusing various real estate applications quickly turned into some casual open house visits, and lo and behold, we stumbled upon the perfect house. In thinking emotionally, we nearly broke every financial home-buying rule in the book.Click To Tweet The Perfect House, Just Not Financially The…
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    theBKBlog

  • Beware Judgments

    Jonathan
    10 Feb 2015 | 2:56 pm
    Do you know what it means to have a judgment entered against you?  Judgments arise from lawsuits – often collection lawsuits – and they happen when a state court judge decides in favor of the other party.In collection lawsuits, this means that the judge has ruled in favor of the plaintiff – usually a credit card company, finance company or other person or company who is suing you for money damages.  Sometimes a judgment is entered after trial but most of the time, a default judgment is issued when the defendant (i.e., you) does not answer the lawsuit.In Georgia, if you are…
  • Statutes of Limitation in Georgia: Credit Card Debts

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

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

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

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

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
 
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  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
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  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
  • add this feed to my.Alltop

  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
 
  • add this feed to my.Alltop

  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
  • add this feed to my.Alltop

  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
  • add this feed to my.Alltop

  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
 
  • add this feed to my.Alltop

  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
  • add this feed to my.Alltop

  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
  • add this feed to my.Alltop

  • Strangers in awe of woman's tireless act

    28 Feb 2015 | 6:30 am
    Strangers in awe of woman's tireless actWCVBCrystal refused to sit and wait for someone else to shovel sidewalks, so she got busy -- and that sparked a chain reaction.She may be the best neighbor everTake a lookWWII POW, rescuer reunite Dog is happy to shovel rink
  • Russia says Nemtsov killing was 'sacrificial'

    28 Feb 2015 | 6:30 am
    Russia says Nemtsov killing was 'sacrificial'GettyRussia's Investigative Comittee did not entertain the possibility that the opposition figure was killed for his political stance. Unpopular scenario suggestedMore headlinesObama condemns 'brutal murder'Western leaders press Kremlin
  • Tool removes wrinkles 5 times faster than irons

    28 Feb 2015 | 6:30 am
    Tool removes wrinkles 5 times faster than ironsGettyPut away your ironing board once and for all! Once you hear about this simple, time-saving method, you'll never go back.Exclusive on alternative you'll loveMore videos to shopRestore skin's natural radiance All-in-one skin care tool
  • Rising career, big plans to root out corruption ... why kill himself?

    28 Feb 2015 | 6:30 am
    Rising career, big plans to root out corruption ... why kill himself?APMany are still puzzled by Tom Schweich's suicide on Thursday.Misconduct he planned to exposeMore headlinesUber faces security breach15 tons of pot siezed at border
  • Tiny Missouri town rattled by deadly rampage

    28 Feb 2015 | 6:30 am
    Tiny Missouri town rattled by deadly rampageTexas County Sheriff Residents in a tight-knit, remote area are trying to come to grips with a killing spree that spanned four homes on Thursday night.Reclusive shooter few knewMore in the newsTeen pleads guilty to backing ISISNew revelations on Wa. shooting
 
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    Bible Money Matters

  • WiseBanyan Review: Free Automated Investment Advisor

    Peter Anderson
    24 Feb 2015 | 1:24 pm
    WiseBanyan is a free automated investment advisor that invests your money in a highly diversified and rebalanced ETF portfolio for FREE. Are they legit? The post WiseBanyan Review: Free Automated Investment Advisor appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Swagbucks Review: What Is It, How Does It Work And What Can You Earn And Win?

    Melissa
    23 Feb 2015 | 6:50 am
    Swagbucks is a free online rewards program where you can earn gift cards, prizes and other rewards just for searching, filling our surveys and other easy activities. Here's how to get started. The post Swagbucks Review: What Is It, How Does It Work And What Can You Earn And Win? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Should You Listen To Financial Gurus?

    Peter Anderson
    19 Feb 2015 | 9:00 am
    Financial gurus are telling you how to get out of debt, and what to do with your money and investments. The question is, should you follow their advice? The post Should You Listen To Financial Gurus? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Building A Better Investing Portfolio: Keep It Simple

    Peter Anderson
    13 Feb 2015 | 1:27 pm
    There are plenty of simple ways to invest these days that can bring good long term returns, even if you're an investing novice. Here's how to get started. The post Building A Better Investing Portfolio: Keep It Simple appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 10 Ways To Improve Your Relationship This Valentine’s Day

    Peter Anderson
    9 Feb 2015 | 11:00 pm
    Here are ten ways to improve your relationship on Valentine's Day, and throughout the year. The post 10 Ways To Improve Your Relationship This Valentine’s Day appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • LYFT $1,000 New Driver Sign-On Bonus

    Bob
    27 Feb 2015 | 7:57 am
    One of our most popular articles over the years has been our 35 ways to make money article.  I am regularly updating it as I find more opportunities and recently I tried out Lyft and also wrote a review about it. To explain quickly, Lyft is an social ride-sharing program that allows you to get paid up to $35/hr for giving people rides with your car. As a driver, you get notified via a smartphone app when someone needs a ride and then you just go over and pick them up and take them to their destination.  Driver’s have complete control over when they choose to offer rides.  For more…
  • Why God’s way takes longer

    Bob
    25 Feb 2015 | 5:15 am
    It is kind of like becoming a tree I was staring at a tree the other day just day-dreaming and kind of worrying about how long it was taking to get answers to prayer for a few issues in my life. I was reminded of… Psalm 1:1-3 How blessed is the man who does not walk in the counsel of the wicked, nor stand in the path of sinners, nor sit in the seat of scoffers! But his delight is in the law of the LORD, and in His law he meditates day and night. He will be like a tree firmly planted by streams of water, which yields its fruit in its season and its leaf does not wither; and in whatever…
  • The Problem With Tithing Your Time

    Joe
    23 Feb 2015 | 9:00 am
    Christians seem to thrive on debating the topic of tithing, squaring off on such issues as if tithing is a New Testament teaching, if people should tithe while paying off debt, or if people can’t afford to tithe money, is tithing their time a good substitute? I believe these discussions are healthy. Open-minded debates where contestants seek truth and leave their egos in their hip pockets should help us all sharpen each other, “as iron sharpens iron.” (see Proverbs 27:17) It is with this attitude that I want to discourage the concept of tithing time. The argument I hear…
  • 5 Things To Do When Asking For A Raise

    Kevin
    20 Feb 2015 | 9:00 am
    Up until a few years ago, pay raises in nearly any industry were almost automatic. At a minimum, they were considered to be a recognition of the increase in the cost of living – an adjustment necessary to keep employees at least even with what they’d been paid in the past. With many businesses and institutions now struggling to survive, the automatic pay raise has become a thing of the past for many employees. You may deserve a raise, but asking for one – that can sometimes get complicated. If you feel you deserve a raise, there are a few steps you can take that will increase the…
  • Faith and Giving Lessons from C.S. Lewis

    Tim
    16 Feb 2015 | 9:00 am
    In his book, Mere Christianity, C.S. Lewis explains an aspect of the Christian faith by comparing it to receiving and giving a gift. The first ‘discovery of faith’ as Lewis puts it, is to understand that there is no way that we can earn our way to God. There’s no exam that we need to take or pass with a certain percentage. It’s simply a gift that we can choose to accept or reject. We know this from scripture: For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God—not by works, so that no one can boast. – Ephesians 2:8-9 NIV…
 
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    PT Money

  • Women Aren’t Talking About Money – Here’s Why

    Emily Guy Birken
    20 Feb 2015 | 8:57 am
    A recent study by Fidelity Investments has uncovered some intriguing paradoxes about women’s relationship with money. Despite the fact that 92 percent of the women involved in the study want to learn more about financial planning, and 83 percent want to get more involved in their finances in the next year, a whopping 80 percent admitted that they have refrained from discussing money with family and friends. In addition, only 47 percent feel confident when talking about finances with a financial professional—compared to 77 percent who would be comfortable discussing medical issues with…
  • How to Plan a Move Across the Country

    Jason Price
    11 Feb 2015 | 1:01 pm
    Have you ever thought about packing up and relocating to a new city or state? A lot of people do so (on average 7,628,000 move to a different state each year) for many reasons which may include pursuing job opportunities, moving closer to family and friends, or simply a change in lifestyle. Relocation can be fun, a growing experience for your family and certainly full of learning opportunities. Just over a year ago my wife and I moved to Southern California to pursue a dream to live closer to the coast and enjoy all the beauty and nice weather SoCal has to offer. We spent about a year…
  • TradeKing Advisors Review | New Investment Advisory Service with No Fees for a Year

    Jason Price
    5 Feb 2015 | 6:07 am
    Are you comfortable managing your own investments or do you prefer a professional to do it for you? Personally, I’ve worked with financial advisors in which I was completely hands off (too much so) as well as subscribed to a professional momentum investment strategy where I did all the trading and rebalancing based on their monthly recommendations. After a while of working with my commission based financial advisor, I began to get the feeling the investment choices weren’t in my best interest. After a while of conducting my own trades and rebalancing, I got lazy and didn’t manage my…
  • Think You Can Pick Better Stocks Than Me in 2015? Join Me in the Grow Your Dough Throwdown 2.0

    Philip Taylor
    28 Jan 2015 | 10:29 am
    Important Note: 99% of my investing is boring, focused on retirement, and involves tax-advantaged accounts and low cost index funds. I love it! What you’ll read below is not part of that strategy and is just for fun and education – to show how easy it is to get started investing. In 2014 I participated in the Grow Your Dough Challenge – a year long “investing” challenge with several other financial experts meant to raise awareness about investing. I made 33% on my investments using a single stock speculation strategy…and I won the challenge. Yay me! Think…
  • Debt Doesn’t Have to Be Forever – 6 Characteristics of Those Serious About Paying Off Debt

    Jason Price
    27 Jan 2015 | 4:00 am
    Today’s post is dedicated to the Debt is Not Forever Blogger Crusade which is all about spreading the word that people CAN get out of debt! The crusade was started by Jackie at TheDebtMyth.com.  The goal is to have 100 bloggers post in the month of January to support and get the word out about the crusade and the message behind it.  Are you in debt?  This crusade may be just what you need to find encouragement, get confidence and build the momentum you need to become debt free and never look back! Visit TheDebtMyth.com to get all the details on how to participate.   Unfortunately, I…
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    RetirementRevised

  • White House fiduciary embrace is a turning point for retirement security

    Mark Miller
    24 Feb 2015 | 5:17 pm
    Let’s say you’ve finally decided it’s time to get serious about planning for retirement. You stop in at the local office of a bank or brokerage firm. Perhaps you call an investment or mutual fund company you saw advertising on tv. The person you’re talking to calls himself a “financial adviser” – but most likely, that’s just a fancy title for a salesman. The adviser has a sales quote for certain investment products he needs to move this month. He’s free to recommend those products to you so long as they are “suitable” – but not necessarily the best choice for…
  • The Boomer entrepreneurship trend: Slowing or just getting started?

    Mark Miller
    19 Feb 2015 | 9:30 am
    Nancy Kessler Nancy Kessler spent much of her career as a museum curator, but she also has had a lifelong love of working with older people that dates to her childhood. At very young age, she would visit a 90-year-old neighbor who would tell her stories about her life. Kessler’s interest in oral history and folklore grew, and she eventually pursued a career in historical museums, working as a curator at the Museum of the City of New York. But her career has been varied, and Kessler also worked for a time as a therapeutic recreation director at an independent living facility and an…
  • Phased retirement: A disconnect between workers and employers

    Mark Miller
    18 Feb 2015 | 8:38 am
    There’s no better way to improve the odds of achieving a secure retirement than working longer. Research shows that a majority of Americans hope to implement that strategy – many through a “phased retirement” involving continued work with reduced hours. Just one problem: many employers aren’t on board. Two-thirds of baby boomer workers envision a phased transition into retirement, shifting to a reduced schedule or doing less demanding work, according to a survey of employers and workers by the Transamerica Center for Retirement Studies. Just 21 percent said they expect to…
  • The case for expanding Social Security: A conversation with Nancy Altman and Eric Kingson

    Mark Miller
    16 Feb 2015 | 12:28 pm
    Nancy Altman Nancy Altman and Eric Kingson are two of the nation’s leading progressive advocates for strengthening and expanding Social Security. Their new book, Social Security Works: Why Social Security Isn’t Going Broke and How Expanding It Will Help us All, lays out the case for expanding benefits in order to address growing income inequality and the looming retirement crisis. I recently interviewed Altman and Kingson about the book and their proposal, called the All Generations Plan for Social Security. This book fills an important gap in that it corrals all the important…
  • Planning for Alzheimer’s: How financial advisers can help

    Mark Miller
    13 Feb 2015 | 6:58 am
    Carolyn McClanahan Long-term care is a major wild card in any financial plan, but managing the risks associated with Alzheimer’s is especially difficult. Research by the National Heart, Lung and Blood Institute and Boston University shows that 65-year-old-women have a 20 percent chance of developing dementia, and a 17 percent change of Alzheimer’s; for men, the corresponding figures are 17 percent and 9 percent. The costs of long-term care can be high. The national median daily rate for a private nursing home was $212 last year – a figure that has been rising at five-year annual…
 
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    Intelligent Speculator

  • Closing Trade ($AAPL, $AOL)

    IS
    27 Feb 2015 | 1:00 am
    Today, I will be closing my first trade of the year where I went long Apple ($APPL) and shorted AOL inc ($AOL). That trade is now up over 47%, not too bad right? It has certainly helped the overall portfolio which is up 11.42% (see all trades here). Why am I closing the trade? No it’s not because I don’t believe in Apple. In fact, it’s very likely that I will open a new position with Apple (and I do still own it as one of my 3 long term speculative picks). Rather, I’m closing it because the trade is up nearly 50% and I’d like to take the opportunity to revisit it…
  • New Trade: Long TripAdvisor ($TRIP) & Short Pandora ($P)

    IS
    17 Feb 2015 | 1:00 am
    The last few days were not as great with Travelzoo (one of my short positions) rising a bit but the 6.27% return so far this year remains very solid. Today I’m opening a new trade between 2 stocks trading at comparable levels but that I have extremely different longer term views about. As is always the case you can see my long & short trades (from 2015 but also past years) here: http://www.intelligentspeculator.net/livetrades Let’s start off by looking at the numbers for today’s trade, two high priced stocks: TickerNamePricePE RatioPE Next YearReturn YTDSales…
  • Adding A Stock To My Tech Stock Dashboard ($BOX)

    IS
    12 Feb 2015 | 3:10 am
    Today, I’m adding the first of several stocks to the list of stocks that I follow; Box Inc. (BOX) For those of you who are new to the blog, you might know that one of the main things I blog about are my long & short tech stocks. It’s not a big part of my investments but it’s a lot more active than the rest and has done extremely well in the past few years. Evey time that I look for a trade opportunity, I start by looking at the list of stocks that I follow. That list can be found here. I also track news, earnings reports and more for all of these companies. I generally…
  • New Trade: Long Google ($GOOG) & Short eBay ($EBAY)

    IS
    11 Feb 2015 | 1:30 am
    Yesterday was a very good day (I’m closing my first trade) and the average trade return so far this year as shot up north of 7%. Of course, it’s still very early and things could (and will) change significantly but it’s obviously better to have a good start than a bad one (duh!). As is always the case you can see my long & short trades (from 2015 but also past years) here: http://www.intelligentspeculator.net/livetrades Let’s start off by looking at the numbers for today’s trade, two high priced stocks: TickerNamePricePE RatioPE Next YearReturn YTDSales…
  • Closing 1 Trade ($TRIP, $NILE)

    IS
    11 Feb 2015 | 1:00 am
    Great news today as I’m closing my first long & short trade of the year. Two trades are currently over the +20% ratio but for now I will keep the long Apple (AAPL) & short AOL Inc. (AOL) trade live for now. This morning however I’ll be closing the trade that I did on January 9th where I went long TripAdvisor (TRIP) and short Blue Nile (NILE). Yesterday, NILE announced very disappointing results helping me in a big way. As much as I believe in the long term future of TripAdvisor, I was not terribly impressed with the last quarter earnings call and am a bit nervous about…
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    Don't Quit Your Day Job...

  • Can an Average Income Person Gain an Incredible Net Worth Through Investing?

    PK
    25 Feb 2015 | 4:10 am
    Can we expect folks with average or below average incomes to be able to amass a sufficiently large financial nut in retirement? Financial sites like to stress that good decisions over a sufficiently long time lead to very good results. Applied to your retirement, that means small savings sacrifices over a long career compounded at a reasonable rate means a huge sum at the end. And, with that stated: just how reliable is that “reasonable rate” assumption? If you want to read the details – read on. Otherwise, skip to the end for the conclusion – we don’t blame you! Sacrifice +…
  • The Aspirational Class: How Many Accredited Investors Are There in America?

    PK
    24 Feb 2015 | 2:30 am
    We estimate that 8.25% of all American households – or roughly 10,108,811 households – count as Accredited Investors. (As of 2013, calculated using Federal Reserve SCF microdata). Furthermore, we estimate they hold about 70.28% of all private wealth in this country, or a whopping $45.5 trillion. But, let’s back up for a second, for everyone not coming for the one line answer – what is an accredited investor? Is it a good financial aspiration to become an accredited investor? How did we calculate this number? And, most importantly – why would you want to be an…
  • The DQYDJ Weekender, 2/21/2015

    PK
    21 Feb 2015 | 2:44 pm
    It’s a conspiracy – I was trying to write a new calculator on the Macbook and I got the dreaded “white screen of death” (it’s restoring from backup as we speak).  So, yeah, I’m writing this entry on the PC – I’ve got to be careful or I’ll fall back in love with this huge monitor… Links we Liked! At Philosophical Economics – an excellent look at the “$8,000,000″ janitor and a study of what it would take to repeat the performance today.  I had a huge comment typed up, but jokes on me – no comments on the page,…
  • Average Drawdowns of Wealth for American Retirees

    PK
    19 Feb 2015 | 4:05 am
    This article is an attempt to look at the drawdown of wealth for American retirees, strictly by looking at net worth data for heads of households with age ranges 65-69, 70-74, 75-79, 80-84, and 85+.  This data was computed using 2013 Federal Reserve SCF data from the Federal Reserve. After Retirement, How Do Americans Draw Down Their Wealth? In response to a prompt on our Net Worth of American Retirees article from commenter Brett, we decided to zoom in a bit more into the nebulous “retiree” category in America to take a look at how net worth changes in retirement (specifically,…
  • Is the NASDAQ Back to Its Record High Yet? (2015 Edition)

    PK
    17 Feb 2015 | 2:32 am
    If Yahoo! Finance can be believed (yes), then the NASDAQ is approaching its all-time closing high of 5048.62, which it reached on March 10th, 2000.  However, that doesn’t really tell the whole story – the last fifteen years have been filled with dividend payments making today look ‘better’… but have also been filled with inflation, making today look ‘worse’! So, how about it – what happens after we apply the adjustments?  Is the NASDAQ, dividends and inflation included, nearing its high water mark?  This post was written about the closing…
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    Quizzle Wire

  • Rebuilding credit with a secured credit card

    Cathy
    27 Feb 2015 | 6:00 am
    Is your credit history trashed? Maybe you went through a divorce and found yourself unable to pay your bills. Maybe you had to walk away from a mortgage. Or maybe you just had credit card charges you couldn’t pay off. Whatever the reason, if you find yourself in the position of having to rebuild your credit, a secured credit card can help you reach your goal. What is a secured credit card? Most credit cards are “unsecured,” meaning you are granted a line of credit when you open a credit card account and are expected to pay off the balance. There is no collateral involved…
  • What does your zodiac sign say about your money habits?

    Krystal Beers
    25 Feb 2015 | 6:00 am
    Lately, I have seen a lot of articles discussing “What your zodiac sign says about your BLANK.” Blank is then filled in by everything from love life, hair, to career. Of course, my curiosity gets the best of me every time, and I read the articles. But I don’t just read them, I READ them, and then I analyze every single word. For example, one article suggests when it comes to my love life, I’m pretty much a horrible person with the inability to form an emotional connection to anyone or anything. I’m cold, aloof, and unsympathetic. So, if my coldness, aloofness or lack of sympathy…
  • How to create a family budget for 2015

    Miranda Marquit
    23 Feb 2015 | 6:00 am
    When you have a family, money becomes a matter of doing what’s best for the household as a whole. Creating a family budget for the year is a good way to make sure that you can take care of your needs, and even enjoy some of your wants. Don’t worry about the fact that the year is already underway, either. It’s always a good time to create a budget designed to help your family reach its goals. Where does the money go? “I would put on paper, preferably in an Excel spreadsheet, all of my monthly expenses so I can see where my money goes,” says Kyle O’Dell, the president of Secure…
  • VantageScore vs. FICO

    Miranda Marquit
    20 Feb 2015 | 6:00 am
    You probably know that you have multiple credit scores, figured using different versions of different credit scoring algorithms. When many of us think of credit scores, we think of those based on the FICO formula. A number of lenders and others in the financial services industry use FICO to make decisions about how responsible you are likely to be with credit. Over the last few years, though, VantageScore has been gaining ground as a credit scoring model. Some see FICO as too opaque and too outdated to accurately reflect the changing habits of consumers in the 21st century. VantageScore aims…
  • How to get a loan when you’re self-employed

    Cathy
    18 Feb 2015 | 6:00 am
    The unreliable income of the self-employed (whether that unreliability is actual or perceived) can make it difficult to get a loan because underwriters perceive you as a greater risk than someone with a steady salary. But you don’t have to face automatic rejection; instead, consider the following to maximize your chances of securing a loan: What type of loan are you trying to get? The requirements for personal loans, such as a mortgage or car loan, will be different from the requirements for a business loan, such as one taken out to purchase a franchise or inventory. Keep in mind that…
 
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    Get Out of Debt Guy

  • The Very Odd BBB Statement About Student Loan Service Managers – SLS Managers

    Steve Rhode
    27 Feb 2015 | 1:36 pm
    A reader just posted a complaint about SLS Managers and in looking up the company address I came across the oddest comment by the BBB about this company. SLS Managers says they are located at 23172 Plaza Pointe #128, Laguna Hills, CA. – Source But the BBB says, “BBB received returned mail from “23172 Plaza ... The post The Very Odd BBB Statement About Student Loan Service...
  • My Son Isn’t Going to College. What Happens to All the Money I Saved?

    Research Department
    27 Feb 2015 | 1:30 pm
    Q. My son is turning 18 and I’ve saved more than $ 200,000 for him for college. He doesn’t want to go. Some of the money is in UTMAs, some in a 529 Plan and some in savings bonds. I don’t want him to live off the money and not get a job. Help! A. ... The post My Son Isn’t Going to College. What Happens to All the Money I Saved? appeared first on Get Out of Debt Guy - Steve Rhode.
  • SLS Managers – Consumer Complaint – February 27, 2015

    Steve Rhode
    27 Feb 2015 | 1:22 pm
    Consumer Statement: I was told by Kris, that she could lower my monthly student loan payments and I would have to pay a one time start up fee of 400.00 and she could get my student loans payment down to $200.00 per month. When it was time to file taxes, I discovered that the monthly ... The post SLS Managers – Consumer Complaint – February 27, 2015 appeared first on Get Out of Debt...
  • Can I Just Start College Over and Forget My Old Transcript?

    Steve Rhode
    27 Feb 2015 | 1:15 pm
    “Dear Steve, I went to the Art Institute as soon as I graduated high school, I had financial issues there. They said I was behind 7 payments with the school (but even until this day that doesn’t make any sense to me, because if I was behind even one I should have been notified.) so ... The post Can I Just Start College Over and Forget My Old Transcript? appeared first on Get Out of...
  • Discover’s New Travel Rewards Credit Card: How Does It Stack Up?

    Research Department
    27 Feb 2015 | 12:00 pm
    Can you earn rewards “miles” without stepping on an airplane, or using an airline’s credit card? Several major credit card issuers are hoping that you will want to, and they’re offering rewards cards that offer miles not associated with any airline. To join this increasingly competitive segment of the market, Discover has just announced the release ... The post...
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    Credit Card Chaser

  • How Can You Retire Rich?

    Alice
    26 Feb 2015 | 2:46 pm
    Everyone envisions retirement as the golden years where you live a lavish life off your substantial nest egg. The sad reality is that most retirees find themselves having to get a second job to maintain their standard of living. Everybody should be rich at retirement. All it takes is the proper long-term planning throughout one’s career. Three of the most important keys to retiring rich are sound investment strategies, smart spending habits, and setting financial goals. Let’s look at these three areas in more detail. Sound Investment Strategies The biggest difference between…
  • Have You Had the Financial Talk?

    Alice
    20 Feb 2015 | 5:05 pm
    Couples sometimes wait until they are married to have important talks related to finances, but these types of discussions need to be had at an earlier stage in a relationship. Marriages can fail because of financial difficulties and disagreements about money, so it is important to talk about these things before a relationship gets too serious. Without open and honest discussions related to finances, couples can damage their relationships due to differences in the ways each individual handles money, their different attitudes toward spending and saving, and their general financial habits. The…
  • How to Save Money this Valentine’s Day

    Alice
    13 Feb 2015 | 12:04 pm
    Valentine’s Day is there for you to show your lover how much you treasure him or her. In line with tradition, you need to do some things that will show your partner that you love them. However, you don’t have to break the bank to put a smile on that special someone. Here are various ways you can make the day great, and save money in the process. Make a Romantic Dinner Together Do you know that in most households the practice of cooking dinner is a one-sided affair? It is always left to the woman of the house to make the meals. Why can’t you change this trend and show your woman that you…
  • Why You Should Sign Up for Text Alerts

    Alice
    6 Feb 2015 | 3:05 pm
    When it comes to finance, you need your information to be in real time. The markets today move quickly and you need a way to keep up with them. There is no more convenient way to do so than through text alerts. What about my finances should I be monitoring in real time? There are many things about your finances that need up to the minute reporting. If you have any plans to make a big asset purchase in the future, then the time to get your money together is now, not later. Your credit score is one of the most important aspects of your personal life. With the prevalence of ID theft today, you…
  • Are You Constantly Buying Things?

    Alice
    30 Jan 2015 | 4:26 pm
    We live in an exceedingly consumer-oriented culture. Everywhere you go, there are products and services to buy, from a simple cup of coffee to a new car. Morning until night, we are surrounded by advertising. It appears on TV, in magazines, online, and on the streets. The modern world is a non-stop barrage of temptations to spend and promises that each new purchase will improve your life and make you a happier, more fulfilled person. Victims of Advertising? It’s no surprise, then, that overspending and excessive shopping are common, virtually ubiquitous problems of contemporary life.
 
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    Ready To Be Rich

  • The First Angat Pilipinas Financial Literacy Awards

    Fitz
    26 Feb 2015 | 1:59 pm
    Angat Pilipinas Coalition for Financial Literacy is an SEC-registered, non-profit, non-stock financial literacy organization. Recently, they launched the very first Angat Pilipinas Financial Literacy Awards, which celebrates the financial institutions, NGOs and advocates for their work in helping Filipinos become more financially literate. The Angat Pilipinas Awards will give recognition to the following: Advocacy Group […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The First Angat Pilipinas Financial Literacy AwardsAttend a FREE…
  • What Should Be Your Priority: House, Car, Business, or Stock Investments?

    Fitz
    24 Feb 2015 | 12:51 pm
    If you were to choose, what should be your priority – buy a house, get a car, start a business, or build your stock investments? This was the concern of a young woman, who posted this question on a Facebook group a few days ago. When I saw this on my timeline, I decided to […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: What Should Be Your Priority: House, Car, Business, or Stock Investments?Attend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details…
  • The Rules of Wealth Never Changes and Here’s Proof

    Fitz
    22 Feb 2015 | 3:22 pm
    What is the most basic rule to follow if you want to become rich? I believe it’s to spend less than what you earn. The better version is: Spend less than what you earn and invest the difference. But we just want the basics… the most important rule of wealth building. Which, to state it […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Rules of Wealth Never Changes and Here’s ProofAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details…
  • The Power of Creating a Do-Not-Do List

    Fitz
    17 Feb 2015 | 3:21 pm
    Most people create a To-Do List, and there are hundreds of apps and software that allow us to manage them. I’m a bit of a productivity geek, so I always make sure that I write down all the important things that I must do – and this has served me well in getting things done. […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Power of Creating a Do-Not-Do ListAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
  • The Science of Shopping: 9 Sneaky Ways You’re Being Tricked To Spending More

    Fitz
    15 Feb 2015 | 12:28 pm
    According to the Philippine Statistics Authority, the retail industry in the country generated a total gross income of P566.8 billion back in 2012. If this was your net worth, you’d actually be richer than the Ayala heirs, Iñigo and Mercedes Zobel. With that much money going around in this sector, it’s not a surprise that […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Science of Shopping: 9 Sneaky Ways You’re Being Tricked To Spending MoreAttend a FREE Personal Finance SeminarLearn practical money management and…
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    Cash Flow Planning for Life

  • Forensic Accounting Grows as a Diverse New Tool

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

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

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

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

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

  • Finding and Living Your Calling

    Lisa Thompson
    27 Feb 2015 | 10:33 am
    When I was growing up, I wanted to be a singer, then a trauma surgeon, then a singer, then a special ed teacher, then a musician, then a teacher, and by the time I was 3/4 of the way through college, I had no idea what I wanted to be.  After college, I worked a variety of management and sales jobs.  Then I went back to school to study music…again.  I then began teaching piano lessons and singing jazz.  And then I went  back to working another sales job. Somehow I found myself in my mid-thirties, married with kids, and I still had no idea what I wanted to be when I “grew…
  • Restaurant Coupon Roundup {2/27/2015}

    Lisa Thompson
    27 Feb 2015 | 10:03 am
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Top Restaurant Coupons: Black Angus Steakhouse – $42 Campfire Feast for Two (exp: 3/23/2015) Blimpie – Free Regular Sub When You Buy Regular Sub & Drink (exp: 12/31/2015) Buca Di Beppo - Dinner for Four for $40 (exp: 3/29/2015) Carrabbas – 15% Off Entire Meal Purchase (exp: 3/15/2015) Corner Bakery - Free Latte or Small Espresso Beverage with Breakfast Purchase (exp: 3/11/2015) Einstein…
  • Retail Coupon Roundup {2/27/2015}

    Lisa Thompson
    27 Feb 2015 | 9:45 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Carters – 20% Off $40 Purchase (exp: 3/4/2015) Express - $15 Off $30, $30 Off $100 or $40 Off $120 Purchase (exp: 3/1/2015) Kohls – 15% Off Entire Purchase (exp: 3/1/2015) Lord and Taylor - 20% Off Regular, Sale & Clearance Items (exp: 3/2/2015) Osh Kosh BGosh – 20% Off $40 Purchase (exp: 3/4/2015) Party City - $15 Off $80 Purchase (exp: 3/1/2015) Rue 21 – 30% Off $50 Purchase (exp: 3/1/2015) The Limited – 50% Off Up to 3 Regularly…
  • No Bake Reese’s Fudge Bars

    Lisa Thompson
    17 Feb 2015 | 6:39 pm
      I’m convinced that few (and I mean VERY few) things taste better than chocolate and peanut butter!  If you’re looking for an easy recipe that will have your friends and family raving, don’t miss this No Bake Reese’s Peanut Butter Cup Fudge.  It’s seriously out of this world! Here’s what you’ll need: 20-22 Reese’s Peanut Butter Cups 3 Cups of Milk Chocolate Chocolate Chips 1 14oz can of Sweetened Condensed Milk Directions: 1. Line a 9×9 pan with parchment paper or wax paper.  {Apparently, this was not my day.  This recipe works best…
  • Retail Coupon Roundup {2/13/2015}

    Lisa Thompson
    13 Feb 2015 | 10:14 am
    If you’re planning on doing a little shopping this Valentine’s Day weekend, make sure to print off these great retail coupons before you go!  Also, if your man hasn’t made it out to get you something special, make sure you have him print these coupons off so he can get more bang for his buck!  I always send my hubby to White House Black Market for gifts!  I sure do love that store!!! Aeropostale – $10 Off $40 Purchase (exp: 2/22/2015) Bealls – 50% Off Red-Lined Clearance Purchases (exp: 2/19/2015) Bonton – $10 Off $25 Regular or Sale Price Purchase (exp:…
 
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    Personal Dividends

  • Why Don’t You Want to Talk About Money?

    Miranda Marquit
    24 Feb 2015 | 5:00 am
    Growing up, we didn’t talk much about money. My parents talked about the importance of saving and of the importance of tithing, but we didn’t really talk about my parents’ financial situation, or talk much about what other people made. Talking about money — sharing the numbers — was taboo. It’s still fairly taboo to talk about money. Not too long ago, a survey came out that indicated that most Americans would rather talk about their weight than talk about their finances, and parents aren’t overly keen to address financial topics with their children. A…
  • 5 Ways to Improve Your Credit Score

    Tom Drake
    17 Feb 2015 | 5:00 am
    Your credit score is an increasingly important piece of your financial picture. Your credit score can influence not only your loan approval and interest rate, but also your insurance premiums, as well as what kind of deposit you have to make with a landlord or a cell phone service provider. If you want to save money in even non-loan aspects of your life, you need to have a good credit score. Here are 5 ways to improve your credit score: 1. Pay ALL of Your Bills on Time Payment history is the most important part of your credit score. As a result, it makes sense to pay all of your bills on…
  • What You Need to Know About ACA’s Advance Premium Tax Credit

    Miranda Marquit
    10 Feb 2015 | 5:00 am
    One of the issues that is coming up this tax season is confusion over the Advance Premium Tax Credit (APTC), which is part of the Affordable Care Act (ACA — also known as Obamacare). When you’re buying health insurance on one of the exchanges, you might be able to get a subsidy, in the form of a tax credit, based on your income. I received some helpful information from Alison Flores, a lead tax research analyst with The Tax Institute at H&R Block about the APTC, and what you should know about it. What is the APTC? In order to help offset some of the costs associated with…
  • Can Money Buy Happiness?

    Miranda Marquit
    3 Feb 2015 | 5:00 am
    We like to say that “money can’t buy happiness.” To a certain extent, that’s true. In many cases, simply having more money isn’t going to make you happy. Much has been made of recent research that indicates that there is a point at which your income is maxed out for happiness (it can vary according to state). However, as much as we would like to believe that money doesn’t make us happy, the reality is that your financial situation can influence your level of happiness. Before you insist that money doesn’t really matter, consider the following:…
  • 3 Ways to Take Your Business to the Next Level This Year

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

  • 5 Trading Ideas Readers Went Nuts For This Week

    Monica Gerson
    27 Feb 2015 | 4:56 pm
    Cybersecurity stocks have been on fire lately.
  • Nadex Expanding Around The World

    Darrell Martin
    27 Feb 2015 | 1:38 pm
    On September 11, 2014, Canada, Mexico and the territories of the United States were excited to the be first international residents able to apply for exchange memberships with Nadex.
  • Bank Of America Continues Lower: A Technical Look

    Joel Elconin
    27 Feb 2015 | 12:01 pm
    Joel Elconin is the co-host of Benzinga's #PreMarket Prep, a daily trading idea radio show.
  • Why Churchill Downs Is A Good Bet Ahead Of The Kentucky Derby

    Bill Stoller
    27 Feb 2015 | 11:47 am
    Shares of Churchill Downs, Inc. (NASDAQ: CHDN) have been off and running so far in 2015, and now they are getting a boost from Wells Fargo's latest note. Latest Ratings for CHDN DateFirmActionFromTo Jan 2015Wells Fargo Nov 2013Union GamingUpgradesHoldBuy Aug 2013Imperial CapitalMaintainsOutperform View More Analyst Ratings for CHDN View the Latest Analyst Ratings
  • Analysts: Little Upside For Aruba Networks

    John Seward
    27 Feb 2015 | 11:43 am
    Aruba Networks, Inc. (NASDAQ: ARUN) has limited upside after a buyout rumor and second-quarter earnings beat pushed its shares up more than 30 percent, a couple of analysts said Friday. Latest Ratings for ARUN DateFirmActionFromTo Feb 2015Pacific CrestMaintainsOutperform Feb 2015Deutsche BankMaintainsHold Feb 2015BarclaysMaintainsOverweight View More Analyst Ratings for ARUN View the Latest Analyst Ratings
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    Money Watch

  • Huge Infographic: The Mobile Banking Revolution

    Rob Lewis
    4 Feb 2015 | 2:53 pm
    Mobile agency Somo has put together a huge infographic which looks at the mobile banking revolution. The infographic, which you can view below, highlights the global rise of mobile banking and features a number of mobile banking stats, such as the £1.7bn a week transferred using mobile phones and tablets, or the 7 million daily logins to mobile banking. Via Econsultancy.
  • goHenry’s New Features Aim To Make Saving A Habit For Young People

    Rob Lewis
    13 Jan 2015 | 3:43 pm
    goHenry – the family banking tool that empowers young people between the ages of 8 and 18 to save, spend and learn about money – has announced a new feature which aims to help children and teens to easily budget and save. The feature has been introduced to kick off the New Year, when many of us set new goals for our financial lives. It’s been designed to encourage and motivate young people to plan and spend their pocket money and allowances wisely and stay within their means. Children and teens using goHenry now have the option to create multiple Savings Goals so they can save for…
  • Last Christmas Delivery Dates 2014

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

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

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

  • IRS Early Filing Tax Refund Scam Growing Like Mad

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

    Sandy Smith
    20 Feb 2015 | 8:17 am
    Somewhere in the world, some hacker – who I hope is living a lonely existence – is pretty proud of himself.  Not to be sexist here because girls can code too, but I envision a twenty-something basement dweller with little to no social life except the persona he has created online and the constant reminders from his mom to take out the garbage.  Some moron, maybe government sponsored, with no conscience and what I hope is a face full of pimples sits in his mom’s basement and bangs out code designed to steal people’s identity and peace of mind. Earlier this month, Anthem Blue…
  • 10 Ways to Save Money on Life Insurance

    Sandy Smith
    16 Feb 2015 | 8:30 am
    There are few concerns that are more stressful than wondering what would happen to your family in the event of you passing.  If some tragedy were to come against you, how would your family survive?  Do they already have the means necessary to maintain their current standard of living?  Or do they face the risk of losing their home?  Fortunately, there is a way to meet your family’s needs even after your demise.  A life insurance plan will ensure that your family members receive the help they need at a time when they need it most.  Of course, saving money on your life insurance plan is…
  • A $5,000 Wedding in NYC? Yes!

    Sandy Smith
    9 Feb 2015 | 6:45 am
    As many of you know, I got engaged back in July of last year.  I immediately promised that my blog wouldn’t become all about the wedding and thankfully, it hasn’t.  I think that I might have mentioned the wedding in twice since then.  Don’t worry, I am still planning a wedding in New York with only a $5,000 budget. Crazy? Like a fox. I sat down at the end of 2014 to talk about having a frugal wedding with Toni Husbands of Debt Free Divas.  I share tips on how I plan on saving money without spending the Manhattan average of over $80,000 for my wedding.  Hop on over and…
  • How A Challenged Turned $500 Into $25,000 In Sales

    Sandy Smith
    3 Feb 2015 | 6:00 am
    Last year I joined a friendly challenge between personal finance bloggers hosted by Jeff Rose of Good Financial Cents.  We each had to invest $1,000 of our own money and at the end of 2014 we would see who had the most left.  I love these kinds of challenges because I get to poke fun of my personal finance buddies, and we get to test our own advice. Now, I’m the first to say that I am not a financial adviser, so any opportunity that I get to play in their sandbox makes me pretty happy. We used different methodologies to choose the ways that we would tackle the Grow Your Own Dough…
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    Financial Woman

  • Mother and Daughter Entrepreneurs

    Camille Gaines
    27 Feb 2015 | 8:14 am
    Mothers, grandmothers,aunts and all women: Read this article from TimesFreePress and be inspired! Here’s my favorite part about this mother and daughter entrepreneur success story: “At that time (2007), I had read an article in the Wall Street Journal that said only 12 CEOs leading the Fortune 500 were women. I started to think about my daughters,” says Renee. “If such a small percentage of women were being entrusted with leading Fortune 500 companies, we were misrepresented. Would my daughters be sitting in front of someone being evaluated for a promotion one day?
  • Money Lessons for Women from Long Ago

    Camille Gaines
    25 Feb 2015 | 7:46 am
    The Financial Woman article of the week is about money lessons for women learned from Mary Todd Lincoln. It addresses preparing women for being on their own financially as a result of divorce or death of a spouse. Studies have shown that over 90% of women will be in sole charge of their money at some time in life, yet so often women are caught off guard when they lose a spouse. Once again, we read that many women fire their financial advisers soon after their husband’s death since they have not been involved in the relationship with their adviser….but why haven’t they been?
  • Know Anyone About To Get Married?

    Camille Gaines
    20 Feb 2015 | 9:31 am
    The Financial Woman article of the week was easy to choose…. Spring is in the air, and this means that a lot of weddings are being planned. One of  the least discussed but MOST important topics among engaged couples is money! If you know of anyone about to tie the knot, perhaps a daughter or a niece,  please share this post with her about an excellent article from Beth Kobliner at the  Huffington Post (click to read it) so that she won’t be caught off guard when it  comes  to money. Financial Woman Insights: Make money talk fun by focusing first on what you each want to…
  • Why DO Financial Advisers Have A Hard Time Reaching Women?

    Camille Gaines
    6 Feb 2015 | 11:23 am
    The Financial Woman Article of the Week addresses financial advisers and women in a very big way… The astounding numbers provided in the Today® article cited below clearly show that boomer women have got to step up to the plate and embrace their wealth management. With the advent of thriving Learnvest® and Daily Worth® catering to the tech savvy Millennial and early Gen X women’s personal finance, it seems that technology is making wealth management easier and more appealing than ever for the younger generations…but what about the boomer women? (Blatant Confession: I…
  • Should You Hire a Financial Advisor?

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

  • Discover Revamps Rewards, For The Better

    Jason Steele
    27 Feb 2015 | 4:00 am
    One of the gotchas of credit card rewards can occur when cardholders cancel their cards and lose their rewards. In other instances, reward cardholders must earn a certain amount of rewards in order to have the chance to redeem them. Yet Discover, one of the leading issuers of reward credit cards, recently announced that it would become […]
  • How To Earn Cash Back And Have 0% APR

    Jason Steele
    25 Feb 2015 | 4:00 am
    The best credit card offers can significantly benefit cardholders in two important ways. First, a good promotional financing offer can feature over a year’s worth of interest free financing on both new purchases and balance transfers. Furthermore, the best cards will offer valuable rewards in the form of points, miles, or cash back. Thankfully, the […]
  • Barclaycard Ring: No Fee Balance Transfers and 8% APR

    Jason Steele
    23 Feb 2015 | 4:00 am
    The is unlike any other credit card. It is the first credit card run by social media in which cardholders can interact with product managers to get support, and the entire community votes on changes to its terms and conditions. But beyond these groundbreaking features, the Ring card also has some excellent rates. For example, […]
  • Comparing The Two Discover it Card Offers

    Jason Steele
    20 Feb 2015 | 4:00 am
    The is a credit card that offers both a promotional financing offer and the ability to earn rewards for spending. This card is currently available in two different versions, each with different promotional financing offers. with 14 months of financing  This card offers 14 months of interest free financing on both new purchases and balance […]
  • How To Save Money On Your Holiday Balances

    Jason Steele
    18 Feb 2015 | 4:00 am
    Many credit card users find themselves paying off their balances from the holidays throughout the rest of the year. Doing so will incur very expensive interest charges on cardholder’s average daily balance. For some credit card users, these interest charges can add up to hundreds of dollars. Thankfully, there is a way to eliminate those interest […]
 
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    Credit.com

  • 4 Reasons You Could Be Denied a Mortgage

    AJ Smith
    27 Feb 2015 | 9:01 pm
    So, you’ve thought about whether renting or buying your next home is the right decision for you. If you decide to buy a home, you’ll likely have to prepare for financing your purchase with mortgage payments. Here’s where things can get a bit tricky. While getting a hold of the costs involved with home buying can help you determine if you are ready and what you can afford, you also need to prove to lenders that you can and will make your payments. To understand why some people get approved while others are turned away, check out four reasons your mortgage application might not…
  • 17 Proven Ways to Save on Travel

    Marilyn Lewis - Money Talks News
    27 Feb 2015 | 9:01 pm
    Spring and summer vacations are lifesavers after a long, dark winter, though the cost of travel can make planning a trip stressful. But don’t let a tight budget keep you from having a getaway. There are ways to do it for less that won’t diminish your experience. In fact, some may enhance it. 1. Be Flexible on Travel Dates One of the best ways to save money on travel is to go when and where prices are lowest. There are cheaper days to fly. For “domestic U.S. travel it’s Tuesday and Wednesday, and for international trips it’s usually Monday to Wednesday or…
  • 4 Big Refinancing Questions Answered

    AJ Smith
    27 Feb 2015 | 9:01 pm
    You may have heard about it on the news, your neighbors may be bragging about it or you could have even received eligibility notice in the mail — but what is the real deal behind refinancing? Before you crunch your personal numbers and weigh the costs and benefits of refinancing your mortgage, you need to be sure you understand what exactly we’re talking about. How Does It Work? Basically, refinancing a mortgage means getting a new loan with new terms on your home. When you went through the homebuying process, you likely thought — or hoped — that you were done with picking…
  • Can My Credit Card Company Raise My Interest Rate?

    Christine DiGangi
    26 Feb 2015 | 9:01 pm
    The recent announcement from American Express that it will raise interest rates for more than 1 million cardholders has a lot of people asking questions, like how this change will affect them or whether or not this could be the start of an industry-wide trend. It’s been a while since credit card issuers were in the headlines for rate hikes — it was rampant before and during the recession — but the CARD Act of 2009 restricted the practice. Still, as American Express has just shown, issuers can increase your APR under a handful of circumstances. If you’re one of the cardholders…
  • My Son Isn’t Going to College. What Happens to All the Money I Saved?

    Karin Price Mueller
    26 Feb 2015 | 9:01 pm
    Q. My son is turning 18 and I’ve saved more than $200,000 for him for college. He doesn’t want to go. Some of the money is in UTMAs, some in a 529 Plan and some in savings bonds. I don’t want him to live off the money and not get a job. Help! A. Bet that threw you for a loop. Each of the kinds of assets you saved for your son is treated a bit differently, so let’s take stock of what you have. Custodial Accounts The assets you saved in a custodial account — Uniform Transfer to Minor Act accounts, or UTMAs — will be his when he reaches the age of majority, said Bryan Smalley, a…
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    The Allstate Blog

  • Buy, Borrow or Don’t Bother: “Essential” Baby Gear to Rethink

    Brendan
    27 Feb 2015 | 3:07 am
    It’s true: Caring for a new baby can be expensive, but they don’t have to be bootie-wearing budget-busters, according to parents who’ve been there. It can pay to spend wisely on baby gear and accessories, especially during the infant stage. We talked to a few parenting bloggers to find out how they would have made different spending decisions if given the chance — and they shared their best money-saving advice for new moms and dads. “I think a lot of new parents get caught up in all the stuff you need to raise a baby,” says mommy blogger Ashley Marcin, founder…
  • Safety Tips for Remote Car Starters

    Cristel Mohrman
    26 Feb 2015 | 5:00 am
    Remote car starters can be convenient, especially on really cold or hot days. You can use them to heat up or cool off your car before you get into it so you can have a more pleasant ride. But are there any safety concerns associated with using a remote car starter? Factors like theft, accidental starting and fumes may all be worries if you aren’t familiar with these devices. Most remote car starters have built-in safety features to prevent some of these incidents, but being extra careful is always a good idea. To get more out of your remote ignition system with less risk, follow these…
  • Catalytic Converter Theft: Help Protect Your Vehicle

    Brendan
    25 Feb 2015 | 3:00 am
    Catalytic converters are a mandatory component of all vehicles in the United States and are designed to reduce harmful emissions from exhaust systems, according to Edmunds. Thieves target catalytic converters because they contain precious metals, like platinum, palladium or rhodium, Edmunds says, and they can sell them to scrap yards for about $100-150, according to the NYPD Community Affairs Bureau. But how are catalytic converters removed? Auto Insurance Basics & MoreLearn more about how to protect your ride with auto insurance. Explore Edmunds explains that thieves use a wrench or…
  • Cabin Fever? 3 Ways to Get Your Home Ready for Spring

    Nicole Markle
    24 Feb 2015 | 4:01 am
    Winter usually means cold weather and a lot of time spent inside. Instead of counting the days till spring, why not update your home’s décor to help bring spring indoors? If you’re ready to bring spring into your home a little early, try one of the following creative ideas. They’re so easy, even the kids can help! Get to Know Home Insurance Like a ProProtect what matters most with homeowners insurance. Learn More Grow an Indoor Herb Garden While frost and snow cover the ground outside, you can start an indoor herb garden and enjoy the revitalizing scents and flavors it…
  • 6 Ways to Remodel Your Kitchen on a Budget

    Andrea Davis, HomeAdvisor
    23 Feb 2015 | 5:00 am
    If your kitchen is starting to look worn down or outdated, it may be time to think about renovating. Fully remodeling your kitchen can cost thousands of dollars; fortunately, there are many more affordable ways to revitalize it without breaking the bank: 1. Apply a fresh coat of paint Fresh paint is an inexpensive way to renew your kitchen’s appearance. If you have plans to sell your home in the near future, you may want to choose neutral colors like white, beige, tan or brown; bright colors can become dated and are largely a matter of preference. When wallpaper is present, strip it…
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    Centsible Life

  • Rocksbox Review & coupon code for FREE month

    Kelly
    27 Feb 2015 | 12:00 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.
  • Toyota Venza Review

    Kelly
    26 Feb 2015 | 1:00 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • What cars earn ‘best resale value’?

    Kelly
    26 Feb 2015 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Pinky Toe Problems

    Kelly
    25 Feb 2015 | 12:37 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • YouTube Kids App Review

    Kelly
    24 Feb 2015 | 1:48 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
 
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    The Daily Reckoning

  • 5 Big Tax Changes in 2015

    Sandy Botkin
    27 Feb 2015 | 10:57 am
    This post 5 Big Tax Changes in 2015 appeared first on Daily Reckoning. “Ambition in America is still rewarded… with high taxes.” Sadly, as the above quote would indicate, many Americans will be paying higher taxes in 2015 than they paid in 2014. Here are five of the biggest tax changes. 1. Affordable Care Act (ACA) As a result of the Affordable Care Act, otherwise known as Obamacare, you need to be aware of two potential bombs that could affect you. First, you are required to have compliant health insurance. If you don’t have insurance or if you have a plan that is not compliant, you…
  • Ignore the Crash Callers and Buy This ETF

    Greg Guenthner
    27 Feb 2015 | 6:53 am
    This post Ignore the Crash Callers and Buy This ETF appeared first on Daily Reckoning. So you think you’re a contrarian, eh? OK tough guy, today we’re gonna see if you can put your money where your mouth is… Because everyone and their friggin’ brother thinks the market’s due for a crash. Everyone. Even the mainstream financial media is ringing the bells of doom… “It’s time to start the countdown to the crash of 2016,” reads the No.1 read column published on MarketWatch Thursday. “No, this is not a prediction of a minor correction. Plan on a 50% crash.” Never mind this…
  • Tesla’s Great Deformation

    David Stockman
    26 Feb 2015 | 1:41 pm
    This post Tesla’s Great Deformation appeared first on Daily Reckoning. The trouble with the money printing madness in the Eccles Building is that it generates huge deformations, misallocations and speculative excesses in the financial markets. Eventually these bubbles splatter, as they have twice this century. The resulting carnage, needless to say, is not small. Combined financial and real estate asset markdowns totaled about $7 trillion after the dotcom bust and $15 trillion during the 2008-2009 financial crisis. Yes, the Fed has managed to reflate this cheap money bubble for the third…
  • China’s Love for Gold: You Ain’t Seen Nothing Yet

    Frank Holmes
    26 Feb 2015 | 8:29 am
    This post China’s Love for Gold: You Ain’t Seen Nothing Yet appeared first on Daily Reckoning. Welcome to the year 4713. Or, if you prefer, the Year of the Ram. The Chinese New Year, which [kicked off last week], is the largest and most widespread cultural event in mainland China, bringing with it massive consumer spending and gift-giving. During this week alone, an estimated 3.6 billion people in the China region travel by road, rail and air in the largest annual human migration. Imagine half a dozen Thanksgivings and Christmases all rolled into one mega-holiday, and you might…
  • Forget Oil — Get Truckin’ for Some Double-Digit Gains

    Greg Guenthner
    26 Feb 2015 | 7:02 am
    This post Forget Oil — Get Truckin’ for Some Double-Digit Gains appeared first on Daily Reckoning. 10-4 good buddy – today, we’re goin’ trucking… And we’re gunning for some double-digit gains from the cheap oil play I’m about to describe. A play on cheap oil? OK, you might be skeptical after we had a cheap oil trade blow up in our face last month. But listen… We thought rock-bottom gas prices would offer us some low-hanging fruit with UPS last month. But that fruit turned rotten when management announced 2014 earnings would miss the mark, which tanked the stock.
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    Canadian Finance Blog

  • How to Avoid Bankruptcy with a Consumer Proposal

    Tom Drake
    23 Feb 2015 | 2:00 am
    One of the most difficult financial situations to overcome is bankruptcy. But what happens when you feel as though you don’t have a choice in the matter? There are times when you become so overwhelmed by your obligations that you feel as though bankruptcy is the only option… even if you would rather not take that step. If you have a job but are unable to make all your minimum payments, let alone actually pay down the principal on your debt, you don’t have to resort to bankruptcy. A consumer proposal is a way to avoid bankruptcy and meet your obligations in a way that is…
  • How to Calculate Your Credit Score for Free

    Tom Drake
    17 Feb 2015 | 2:00 am
    In the last few years, your credit rating has become increasingly important. While it seems obvious that your credit report and credit score are used in making decisions about loans, there are other less obvious uses for your credit history. Others might use your credit information to make decisions about other financial services and products. Poor credit could lead to you paying hundreds, or even thousands, of dollars more over your lifetime. Understanding your credit, and knowing your credit score, can help you learn more about what’s at stake, and help you improve your financial…
  • 10 Ways to Save Money on Valentine’s Day

    Tom Drake
    9 Feb 2015 | 2:00 am
    With Valentine’s Day coming up, you might be wondering what you are going to get your significant other. You are also probably wondering what you should do for a date. Valentine’s Day has become a bit of a big deal. Most of us feel as though we need to do something for a significant other. While the average American plans to spend a little more than $140 for Valentine’s Day this year, Canadians spend less than their counterparts to the south, spending only about 25% of what Americans do. Whatever you spend on Valentine’s Day, though, chances are that you will want to make…
  • Ways to Save Money: How to Save Money Each Month

    Tom Drake
    2 Feb 2015 | 2:00 am
    Many of us are looking for ways to save a little more money. The money saved can be used to invest and build wealth, or to pay down debt, or to just do something fun. No matter how small the individual savings are, the cumulative effect of saving can be huge. A few dollars here, and a few dollars there can really add up over time, especially if you can take that money and invest it or use it to pay off debt faster. You probably already know a few good ways to save money and I’ve covered quite a few right here on this site. Figuring out how to save money each month is one of the best…
  • How to Earn PC Points

    Tom Drake
    26 Jan 2015 | 2:00 am
    One of my favourite banking institutions in Canada is President’s Choice Financial. PC Financial offers a low cost for most of your banking needs, and earn points just for doing the regular things that make up your life. This means that you are rewarded for spending money as you would normally. Since one of the keys to financial success with rewards programs is to just spend as normal (without using it as an excuse to make extra purchases), being able to use a program that rewards you for every day purchases is a true pleasure. I love PC Financial because I can use PC Financial for the…
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    The Dividend Guy Blog

  • Dividend Reads for the Weekend

    DivGuy
    27 Feb 2015 | 5:47 am
    Yahoo! This is my last day at work! We rented a vacation property for next week and we are leaving tomorrow! It will be a great timing for me as the past two months have been quite busy! We built monthly dividend portfolios for our membership sites (more on that later on) and we also bought another site (more on that also later on ). But for now, let’s take a look at what you should read this weekend:   From The Dividend Guy Blog: I wrote two articles this week. The first one was more about a personal topic; I did my “financial freedom chronology” to illustrate how you can go from…
  • 4 US Stocks for Your RRSP Portfolio

    DivGuy
    26 Feb 2015 | 12:11 am
    The RRSP season is nearing its end (your last day for 2014 RRSP contribution is March 2nd 2015) and I thought I would go for 4 stock pick ideas. Since US dividend payouts are non-taxable in a registered account, this is the perfect place for Canadians to buy US stocks. Between you and me, even though the currency exchange rate is hurting your purchasing power, this won’t change this year and it could even get worse. So why not considering the great US diversification in dividend payers and go south of the border for your next pick? Here are my suggestions;   Walt Disney (DIS)  …
  • Where Are You In the Financial Freedom Spectrum?

    DivGuy
    23 Feb 2015 | 9:28 am
    A couple of days ago, Dividend Mantra wrote a fascinating article about financial independence and freedom in general. As opposed to getting a promotion or buying a house, reaching financial independence doesn’t change anything overnight. Yesterday, you weren’t financially independent and tomorrow, you finally reach this stage in life. You simply continue going forward with the very same process and the overall goal doesn’t really stop there. This article got me thinking about my whole perception of freedom and how I’ve changed my ways of managing my finances over time.   The…
  • Dividend Reads for the Weekend

    DivGuy
    20 Feb 2015 | 1:00 am
        It was a very good week for me so far. I kept my 2015 resolutions going for almost two months now. I now weight 182 lbs (from 198lbs as at January 1st). I work out 4 times a week and never take a break. My account still shows a solid 9.68%, getting closer to the double digit return already! I’m pretty happy as my two benchmark (VIG for US stocks and XDV for Canadian stocks) are showing respectively +1.53% and -0.64% so far. It was also a great week for my sites as I published a guest post on Boomer & Echo called 3 False Reasons NOT to Buy a Stock. There are so many reasons…
  • Build a Dividend Growth Portfolio in 6 Questions + a real example

    DivGuy
    19 Feb 2015 | 1:10 am
    There is nothing easier than buying a dividend stock. Who would ignore owning shares of a company that sends you a cheque quarterly? The whole idea of building a passive income portfolio is very seductive. On top of that; it seems pretty simple at first. Once you run a stock filter, you will always find a great list of attractive companies generating passive income. The problem usually comes once you have bought shares of a few companies. Will you stick to the same sectors? Should you buy both US and Canadian stocks? How do you diversify from one stock to another? How can you generate more…
 
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    Gen Y Wealth

  • ChexSystems: Watchdog of the Banking World

    Matt
    20 Feb 2015 | 8:03 am
    Have you ever attempted to open a banking account, only to be turned down? Beyond the undoubted embarrassment that such a situation created, it may also have given you pause to reflect on just why you were being considered too “risky” to be given an account. You may well have wondered if it was due to you having made some poor decision that ended up being reflected on your overall credit record. And, if so, you were correct. It’s all there on your file, waiting to bite you when you least expect it! A bad credit score can cost you plenty of opportunities, from buying a house…
  • The Advantages of Online Banking

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

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

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

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

  • Should I Buy Whole Life Insurance?

    Peter Kulicki
    2 Feb 2015 | 6:22 pm
    Everyone needs life insurance to protect financial dependents, pay financial obligations or just to cover final expenses. Consumers want to find the best insurance at the most affordable rates, but this can take time from busy schedules. There is a quick and easy way to compare the rates of the top ranked companies with free whole life insurance quotes online. Whole Life Insurance Rates A comparison of different types will show that whole life insurance has the highest initial rates, but the rates are fixed and never increase like they can with other types of insurance. Payment of the death…
  • Thank You

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

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

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

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

  • Roll Out the Red Carpet, Not Your Wallet, Oscar Party Ideas

    SpendLessTV.com
    14 Feb 2015 | 7:45 am
    Academy Awards night is a great opportunity to enjoy some Hollywood glitz, glamor and celebrity excitement right in your own home. Whether a full fashion formal sparkling event, or just snuggling on the sofa with a ballot and a sparkling drink, Oscar night can be enjoyed without breaking the bank or straining your budget.  The videos here give tips on hosting, easy recipes, quick cocktail ideas, games, and even swag bag favor ideas, to make your red carpet party at home fabulous. Oscar Party Worthy of Awards - Early Show contributor Katie Lee shows how to host an Oscar party with simple…
  • And the Oscar Goes To…

    SpendLessTV.com
    14 Feb 2015 | 5:17 am
    And the Oscar goes to… As we were searching through the SpendLessTV.com collection of videos, we were surprised at how many clips we’re hosting that are associated with Academy Award nominees and winners… plus, given SpendLessTV.com is a site devoted to money-saving…  you may notice another theme running throughout this collection… we know you’ll enjoy these: The 1936 film, Pennies From Heaven received an Academy Award nomination for Best Music, Original Song, for both the music and lyrics respectively. Here is Bing Crosby in a scene from the film,…
  • Awesome Super Bowl Party (on a Budget) Tips

    SpendLessTV.com
    29 Jan 2015 | 9:18 am
    Super Bowl… it’s all about the game… er… party… er… food… er… budget.. Whatever the Super Bowl is for you, you won’t want to miss catching these videos with recipes and entertaining tips that score well for your wallet’s team while you serve your guests a winning time. Football Fiesta – Andrea Correale, founder of Elegant Affairs catering gives affordable football-themed  ideas for food, buffet settings & party favors. 10 Super Bowl Party Savings Tips – Josh Elledge, SavingsAngel founder’s tips to save on a…
  • 8 Holiday Party Ideas, Easy on Your Budget

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

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

  • 5 Times You Should Not Use Your Credit Card

    Moneyproblems Answers
    25 Feb 2015 | 4:00 am
    Credit cards are a convenience but there are times you should think about leaving them in your wallet rather than adding to your credit card bills. Before you charge it, potentially increasing your credit card debt, here are some situations when using your credit card to make a purchase is a... Read more The post 5 Times You Should Not Use Your Credit Card appeared first on MoneyProblems.ca.
  • 3 Tricks Our Minds Play That Keep Us In Debt

    Sarah Milton
    18 Feb 2015 | 4:00 am
    “If you can change your mind, you can change your life.” – William James In his book, “Secrets of the Millionaire Mind”, T. Harv Eker suggests that our ability to earn, hold and grow our money is heavily influenced by everything we’ve ever heard, seen or experienced in relation to... Read more The post 3 Tricks Our Minds Play That Keep Us In Debt appeared first on MoneyProblems.ca.
  • Make Friends with a Budget

    Gail Vaz-Oxlade
    11 Feb 2015 | 4:00 am
    Just got your first job? Wish you knew the best way to deal with the money that’s rolling in? It may seem mysterious – the whole money management thing – but it really isn’t.  Doing it right means prioritizing your needs and wants, having a plan, and following through. A... Read more The post Make Friends with a Budget appeared first on MoneyProblems.ca.
  • Past Due Again? It’s Time To Deal With Your Debts

    Ted Michalos
    4 Feb 2015 | 4:00 am
    You know your debts won’t just go away and that you have to do something about them.  Not answering the phone, not opening the mail, not thinking about the problem isn’t working.  The phone keeps ringing, the past due notices keep piling up, and even when you don’t think you are worrying... Read more The post Past Due Again? It’s Time To Deal With Your Debts appeared first on MoneyProblems.ca.
  • Two Common Debt Traps And How To Avoid Them

    Sarah Milton
    28 Jan 2015 | 4:00 am
    “Forewarned is forearmed” – English Proverb Debt is big business. Everywhere you look these days, it seems that there are an ever-increasing number of ways to have whatever your heart desires, long before you’ve earned the money to pay for it. Whether you’re looking for a car, a couch or... Read more The post Two Common Debt Traps And How To Avoid Them appeared first on MoneyProblems.ca.
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    Financial Samurai

  • How I Earn Over 10% Passive Income With P2P Lending

    Financial Samurai
    27 Feb 2015 | 3:25 am
    Want some cash money? The following is a guest post from my friend Jeremy Johnson who was kind enough to help me out with a random WordPress question issue when I first started back in 2009. I’m pleased to say he jumped head first into P2P lending when we spoke a couple years ago about diversifying his savings, and is doing well.  Peer to peer lending is one of the most simple and effective ways I’ve ever found to make passive income. It has outperformed my stock picks, selling old baseball cards, my own business ideas – everything. I’ve earned more money through it…
  • Is A Backdoor Roth IRA A Good Move For Higher Income Earners?

    Financial Samurai
    25 Feb 2015 | 3:08 am
    There are three primary types of retirement plans in the U.S. today: Traditional IRAs, 401(k)s, and Roth IRAs. Although there are some other plan options out there such as SIMPLE IRAs, SEP IRAs, for the most part when people are talking about their retirement funds, they are referring to one of the three main types mentioned above. It is often debated which of the two IRA options is better: the Traditional IRA that is tax deferred, or the Roth IRA that is funded after tax. Hypothetically speaking, if your earnings and tax rates went unchanged for your entire life, both types of IRA plans…
  • Should I Invest In Oil Stocks? Learn About Oil Price Fundamentals First

    Financial Samurai
    23 Feb 2015 | 2:38 am
    Oil is a popular topic due to its surprising ~50% price drop from June 2014 to early 2015. Nobody could have imagined such a quick collapse in oil. I certainly didn’t when I decided to buy a Honda Fit instead of a Jeep Grand Cherokee Limited last summer! If I had known I could pump my rolling 4th bedroom for less than $2.90 a gallon, I might very well have opted for the bigger car. Given knowing what the hell is going on in the world is part of being a functioning citizen in today’s society, I decided to do some research into what happened. After all, I did purchase the oil ETF…
  • Does Remodeling Pay Off? Probably Not!

    Financial Samurai
    21 Feb 2015 | 3:20 am
    Manhattan Brownstone Living Room In “How To Make A Lot Of Money In Real Estate: Focus On Expansion,” one of the questions was on whether remodeling really recoups the cost and provides such a large return. One of the biggest fallacies homeowners have is thinking whatever they spend on remodeling will automatically bring them great returns when it comes time to sell. I used to think this way as well until I started remodeling and property expanding myself. Let’s be clear. Almost all property remodeling does not recoup the cost spent remodeling based on national averages.
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    Automatic Finances

  • How We Saved Enough Money for a Down Payment on a House

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

    Jason Unger
    15 Feb 2015 | 4:35 pm
    If you’ve ever read anything on this site, then you probably know how much we love(d) ING Direct, the ultimate game changer in online banking, online savings accounts, and online money management. Day to day, not a ton has changed since their purchase by and renaming to Capital One 360, but for many of us true believers, the belief that the innovative company we once loved still exists is long gone. The innovation that pushed forward the industry was spearheaded by Arkhadi Kuhlmann, the founder of ING Direct. And although he’s been out of the limelight recently, he’s got a…
  • Is Mobile Banking Set to Go Big in 2015?

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

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

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

  • We Got a Facelift!

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

    26 Feb 2015 | 4:55 pm
    Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!
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    Personal Finance Blog

  • Let A Good Budget Be Your Guide

    Twila VanLeer
    27 Feb 2015 | 5:29 am
    Dave Ramsey recommends having an emergency fund of three to six months of expenses in place.A budget is not the enemy. It is a road map that can keep you from crashing into the roadblocks that cause economic strain for many Americans, according to a set of “Your Life, Your Money” interviews. Without one, you’re flying blind. Rule Number One of personal finance is a simple one: You can’t spend more than you have coming in without consequences. Rule Number Two is also simple: Save something from every pay check and you’ll build security and the ability to make necessary purchases…
  • What Would $40 Do For You?

    Twila VanLeer
    26 Feb 2015 | 9:06 am
    A $40 increase in income means a lot.If Congress doesn’t extend the payroll tax cut, it will mean a typical family earning $50,000 annually will lose about $40 per pay period to Uncle Sam. In this day and age, is $40 even worth quibbling about? A White House open survey of American households indicates that $40 can, in fact, mean a lot in some households. Responders to the White House site offered these perspectives on what the loss would mean to them: To an individual in Oregon, “Forty dollars means the difference to me in buying gas or paying my electric bill. I am disabled and so I am…
  • Liability Shift In Credit Card Fraud

    Twila VanLeer
    25 Feb 2015 | 7:53 am
    About half the world’s credit card fraud happens in America. This new processing terminal uses technology that reads the latest EMV chip embedded credit card. Due to massive losses that have occurred through large-scale credit card data breaches, there will be a change in credit card liability. Beginning on October 1, 2015, a shift in liability places the responsibility for fraudulent credit card charges on the merchant and/or banks that don’t use new technology to accommodate chip-based credit cards. The changes, the first major alterations in decades, will make credit card fraud…
  • 5 Tips To Cut Housing Costs

    Twila VanLeer
    23 Feb 2015 | 10:09 am
    Cut costs on your utility bills. If you’re a typical family, you spend about 33 percent – about $17,000 per year – of your income on housing. That doesn’t mean just the mortgage or rent payment, but all of those related costs that are the natural result of living in a home. Here are some tricks you can call on to reduce those costs. 1. Upgrade Your Appliances It may make sense to you to stick with your old washer and dryer and the old standby refrigerator, but they might be costing you more in the end. Often, they were not energy-efficient in the first place and to continue…
  • Do Women Shy Away From Financial Advice?

    Twila VanLeer
    18 Feb 2015 | 2:49 pm
    The top 100 Financial Women Financial Advisors are listed at the Barron websiteWomen control two-thirds of the private wealth in America, but financial advisors can’t seem to get the females to be interested enough to seek their advice. The experts expect private wealth in the country to rise from $14 trillion to $22 trillion over the next five years, with women in control of two thirds of that amount. But during a recent conference of financial advisors, they agreed that “We’re doing a horrible job working with women as a whole,” according to the publicly aired conference report. In…
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    Unbiased financial advice from fee-only financial planners

  • Grandparents: Is Your Helping Hurting Financial Aid?

    David John Marotta, CFP®, AIF®
    9 Feb 2015 | 9:00 pm
    As college costs continue escalating, many gladly welcome help from family. With savvy planning, grandparents can ensure their gifts are not impeding a grandchild's ability to access financial aid. The traditional financial aid assessment tool used by the Department of Education to award grants and loans is called the Free Application for Federal Student Aid (FAFSA). The FAFSA determines a family's eligibility for financial aid by counting certain income and assets towards their ability to pay college costs. Under the FAFSA, grandparent-owned 529s are not counted in the formula but any…
  • Get Your Estate Plan In Order – Even if You’re Only 26

    Matthew J. Illian, CFP®, AIF®
    2 Feb 2015 | 5:00 am
    When you are an adult or you experience a major life change, such as getting married or having a child, you should probably look at your Estate Plan documents (or create some, if you don’t have any yet). You might think, “I’m 26; I don’t have an estate!” While you probably don’t want to think about the end of your life and hope that it’s far away, it is kind to your family to formalize a plan. You don’t want your parents, your spouse, or your child to be in trouble if anything happens to you. Also, the situations that …
  • Financial Habits and Net Worth

    Sam Fawaz, CPA, CFP®
    1 Feb 2015 | 8:37 am
    You already know that our financial habits determine our financial fate.  If we avoid credit card debt, spend less than we earn and create a financial buffer against the unexpected, we tend to thrive financially.  If we carry a lot of debt or live constantly on the edge, with little savings, then our financial future is much cloudier. Recently, a paper published by the Federal Reserve Bank of St. Louis proved these truisms in the real world.  For eight individual years between 1992 and 2013, the Fed’s Survey of Consumer Finances has posted a series of financial questions to thousands…
  • SP Finishes Negative For January: Is That A Crash Indicator?

    Don Martin
    30 Jan 2015 | 1:45 pm
    The SP500 stock index went down 1.3% today to 1,995 points, closing out January with a 3% loss for the month.  January is an important indicator because annual bonus money is used to buy stocks then and so as January goes, so goes the year. This year will have scary debt negotiations with Greece which will probably result in more stimulus from the ECB to Greece which will cheer the stock market but it won’t be enough to break the now developing bear market in stocks. Once the thrill of a new ECB Greek stimulus package becomes yesterday’s boring old…
  • Forget to Take Your RMD?

    Jim Blankenship, CFP®, EA
    30 Jan 2015 | 5:00 am
    In case you forgot to take your required minimum distribution (RMD) for 2014 there’s still hope in order to avoid the 50% (yes, that’s FIFTY percent) penalty of the amount not withdrawn. If you missed taking the RMD for 2014 here’s what you can do. According to the IRS the penalty may be waived if you can establish that it was due to reasonable error that you didn’t take the RMD and that reasonable steps are being taken to remedy the error. That is, take the 2014 RMD right away (or as soon as you can let your custodian know)…
 
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    Budgets Are Sexy

  • What a Budget For a Family of 8 Looks Like

    J. Money
    27 Feb 2015 | 2:04 am
    [Look! A post about budgeting! When was the last time we talked about *that* here on this blog, haha.. I should rename this site HustlingIsSexy.com ;) But what I lack in budgeting posts, my man Dan Miller more than makes up for today with his own sharing of budgetary skills. If that guy can do it WITH 6 KIDS we should all be able to do it!] Hey there everyone! My name is Dan Miller and I run the travel blog Points With a Crew. J. Money asked me to spend a little bit of time talking about what a budget for a family of 8 looks like, so I thought I would break it down on a monthly basis for…
  • New Game: “Things I can afford when ____ is gone!”

    J. Money
    25 Feb 2015 | 2:06 am
    Guess what day it is? Guess what day it is?? Never gets old… :) It’s also the day we play a new game called, “Things I can afford when ____ is gone!” Woop woop! Right after, “My biggest expense costs me WHAT now?” But first, let’s backtrack… Last week I asked all the smart readers of this blog to download a new phone app so I could poll y’all on some sexy money questions. It looks like over 250 of you listened (I thought I had at least 2,000 smart people here, but guess I was wrong…) and the results of our first question was…
  • Why I Use Personal Capital Almost Every Single Day [A Real Life Review]

    J. Money
    23 Feb 2015 | 2:02 am
    [Hey guys! So I've been trying to get y'all a personal review of Personal Capital for ages 'cuz they're bad ass, but after finding out one of my friends lives and breathes by them almost daily, I thought you'd get a much better picture of how awesome they are from him. And considering he recently retired early at the ripe age of 33, he's obviously doing something right ;) Please welcome today, Justin from RootofGood.com! He's been using Personal Capital for over a year and a half, and has agreed to share real-life numbers and screenshots from his own account with us. Hope it helps!] I have a…
  • My New Shopping Ban + a J. Money in Your Pocket!

    J. Money
    20 Feb 2015 | 2:08 am
    What up, Hustle Nation! Another day another dollar earned/saved/invested/paid off in debt, right? :) It’s been one heck of a week over here on the budgetsaresexy side, from having my 7 things learned over 7 years post picked up by Lifehacker, USAA, and then Business Insider (!!), all the way to realizing I won’t be able to retire for another 20 years at this rate, haha… But hey? That’s what makes life interesting, eh? Ups and downs and all arounds to remind us that we’re still alive and to keep fighting the good fight! And every now and then we’re rewarded…
  • The Early Retirement / Financial Freedom Spreadsheet!

    J. Money
    18 Feb 2015 | 2:06 am
    After being inspired by Jeremy’s early retirement story, I decided to sit down and calculate once and for all how long it would take for us to retire early as well. (And by retire early, I really mean “be financially independent” – ie not needing money anymore to survive whether you still want to work or not. In a way I feel like I’m already retired since I’d be blogging as I am now when officially free, only I very much need the money to live off right now, haha…) As any good nerd would do in these times, I headed straight to Google for some early…
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    Smart On Money

  • Ways To Pay For College Without Breaking The Bank

    Contributor
    23 Feb 2015 | 8:06 am
    Going to college can be stressful in so many ways. If you are just getting out of high school, you are being pushed into the real world on your own. Your responsibilities just increased ten-fold. You now have to get yourself to class everyday, do your homework, study for tests, and maybe even work. As if that is not enough, you also have to worry about how you are going to pay for college. If you don’t have money saved up to pay for tuition, you are basically on your own trying to find out how to pay for it. Luckily, you have quite a few options. College is far from cheap, but if you…
  • How To Avoid Falling Into A Bad Credit Score

    Contributor
    9 Feb 2015 | 11:35 am
    Building good credit is a years-long process, while destroying credit only takes a few bad decisions. With this in mind, it’s important for new credit users to avoid the many mistakes which lead to bad credit scores. Too often it seems inexperienced credit cardholders underestimate the ease through which bad credit can be acquired. For these folks – the young ones especially – we thought it necessary to highlight the five best ways to avoid a bad credit score: Maintain A Healthy Debt-To-Income Ratio Credit score criteria includes something called the debt-to-income ratio.
  • Who Do You Trust For Money Advice?

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

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

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

  • How to Get Your Credit in Shape for a Home Loan

    Kevin
    26 Feb 2015 | 10:49 pm
    When buying a home, the majority of your financing options depend on your credit score. So before you apply for a home loan, make sure your credit score rating reflects positively on you as a borrower. You want to put your best foot forward, because even with interest rates at historic lows, you still need to qualify for a loanto take advantage of them. Take the necessary steps to improve your credit score before you apply for a loan, and you’ll have better chances of qualifying for the best possible financing rate.[1] Rebuilding or improving your credit score isn’t difficult, but…
  • Top online financial tools

    Kevin
    25 Feb 2015 | 12:59 am
    Keeping a hand on all your accounts and tracking your money moves can be a daunting task. Personal finance tools can make the job easier. Here are some of the best personal finance tools for managing your finances. Personal finance tools should be easy to use and feature-rich, helping you to manage multiple accounts, stick to your budget, and giving you a clear picture of your financial health. MoneySmart MoneySmart is a free online South African personal finance management platform that helps South Africans to manage their finances to achieve financial success by providing individuals with…
  • Do You Need To Adjust Your W-4?

    Kevin
    24 Feb 2015 | 10:36 pm
    Now that we are in a new year, you are probably starting to think about taxes. Now is a great time to look at your financial situation and determine if you need to fill out a new W-4. Basically your W-4 helps your employer figure out how much to withhold from each paycheck. While it is a good idea to evaluate your withholdings on a regular basis, make sure you think about changing your W-4 if you fall into any of the following categories. Married/Divorced/Had a Child Generally the amount withheld depends on the number of dependents that you will claim. If you have had changes in your…
  • How To Create A Sub Account In ING Direct

    Kevin
    22 Feb 2015 | 10:17 pm
    Making sub accounts in ING Direct are great for organizing your savings goals. I remember the first time I tried to make one I was scared I was creating a completely different account that I would have to log in separately to see. Now I know it’s not that way. Watch this video to see how to create a sub account or read the instructions below it. //www.youtube.com/watch?v=BwJa5lHKiRo From the my accounts page, after you log in, click Open An Account Where it says Orange Savings Account click on Open Now Select what type of savings account you want to make (ex. joint, living trust,…
 
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    Couple Money

  • Digit: Save Money without Stressing Over It

    Elle Martinez
    24 Feb 2015 | 8:23 am
    Being a personal finance blogger can be a huge perk as you get to hear about different products and services that can improve and optimize how you handle your money. Since I signed up with the MoneyStepper’s 2015 Savings Challenge, I’ve been looking for ways to stop money leaks and build some savings. I mentioned with my first monthly review that I was trying out Digit. J Money from BudgetsAreSexy as the easiest way to save. With a toddler and a newborn, I was eager to try out them out. If you’re looking for an automated way to save, Digit can be your solution. Keeping Your…
  • Get Out of Debt, Manage Your Money, and Create Financial Security

    Elle Martinez
    17 Feb 2015 | 12:17 pm
    One reason couples avoid doing something about their finances is because they’re not comfortable talking about money with one another. If that sounds like you, MoneyChat: The Book from Dorethia Conner Kelly may be the book to get you started. In case you’re not familiar with her, Dorethia Conner Kelly, MBA is the president of Conner Financial Coaching, LLC, providing results-oriented personal finance and business coaching services. Her financial expertise has been featured in various media including Black Enterprise, U.S. News and Nerd Wallet. She was a recent guest on the Couple…
  • Moneystepper’s 2015 Savings Challenge Update #1

    Elle Martinez
    10 Feb 2015 | 6:14 am
    It’s February so that means it’s time to looking at how we did last month with our money. You may remember that I’ve signed up for MoneyStepper’s 2015 Savings Challenge to help us tighten up our finances. The two main goals of the challenge are: Grow Your Net Worth Save % of Your Net Income For 2015 our family will do our best to increase our net worth by 25% and have a 15% savings rate.To do this we will be saving more in the joint accounts and we will be paying off the last student loan. January Net Worth and Savings Results So how did we do? I’m happy to say that…
  • Personal Finance Shout-Outs – New Baby Edition

    Elle Martinez
    7 Feb 2015 | 7:36 am
    Just wanted to announce that we had our second daughter! It’s been an adjustment for sure, but we’re extremely grateful that family and friends have been helping us make this transition smoother. I’ll have continue to have posts up on Couple Money and new episodes of the podcast, but the schedule will be a lighter than usual for the next few weeks. If you want to reach me during this time, the best way is through Twitter. Couple Money Around the Web Besides writing here, I also run the Couple Money Podcast, contribute to other sites, and occasionally do interviews. Here’s…
  • What’s the Best Way to Teach Kids About Money?

    Elle Martinez
    3 Feb 2015 | 1:24 pm
    If you’re a parent looking to deepen (or just start) your conversations about money with your kids, then The Opposite of Spoiled should be your next book to pick up. It’s the latest release from NY Times columnist Ron Lieber who has extensively covered families and finances. If you haven’t read any of his previous work some of my favorite recent columns are Letting the Kids in on the Charitable Giving Conversation, Elmo and Sesame Street Teach the Basics of Spending and Saving, and Teenagers Do Not Need Smartphones, So They Should Pay for Them.  Teaching Your Kids About…
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    Beating Broke

  • Living on What You Earn Can Make You Feel Broke, and That’s a Good Thing!

    MelissaB
    23 Feb 2015 | 5:04 am
    Living on what you earn can be a difficult thing.  For many, it seems like a little like a foreign language; difficult to learn to do, and backwards.  But, if you can learn it, and transform your life into one where you’re living on what you earn, it can make a whole lot of difference.  You’ve got to start somewhere, though.  I, like you, haven’t always lived on what I earned. Almost all of my life, I’ve owed someone something.  When I was 19, I needed a car.  My parents, tired of having me call them late at night after my old, beater car had broken down—AGAIN!—,…
  • There Is No Ideal Time to Contribute to Retirement

    MelissaB
    16 Feb 2015 | 5:24 am
    “Do you really think you should be voluntarily putting money into your retirement account?  It just seems like there are so many other things you could be using the money for right now.  Why don’t you wait to contribute to your retirement until you get more financially stable?” Recently, I was lamenting our financial situation to a good friend.  I just had a dental procedure at a periodontist, I was just told my 6 year old has 8 cavities (that’s another story) that will cost $400 out of pocket to fill, and that my 10.5 year old will need braces to the tune of $5,000 or so. Add on…
  • Are You Teaching Your Kids to Follow Your Financial Habits?

    MelissaB
    9 Feb 2015 | 5:23 am
    My oldest is 10, and he does chores around the house to earn an allowance.  He works hard, and we’ve taught him to set aside a percentage for investing (10%), for saving (20%), and for giving (10%).  That leaves him to spend 60% of everything he earns. And spend he does! He finds it extremely difficult to let his spend money sit and grow so that he can buy something bigger.  Instead, as soon as the money hits his hands, he wants to spend it even if it’s a fairly insubstantial amount and can’t buy him much. He just can’t seem to save up for the things he wants. Instead, he’s…
  • How Much Leveraged Risk is Too Much?

    Shane
    6 Feb 2015 | 3:56 am
    On January 15th, 2015, the Swiss National Bank eliminated it’s cap on the Swiss Franc in regards to the Euro.  What does that mean?  Well, up until that day, the SNB had said that the value of a Franc would be tied to the value of a Euro.  Under that policy, they had maintained the Franc at a value of 1.20 Francs to 1 Euro. Disclaimer: This post is being sponsored by ETX Capital.  The content is mine, however, and isn’t influenced by their sponsorship. Artificial Currency Valuation In other words, they were artificially changing the value of their currency.  And when they…
  • What’s Your Financial Weakness?

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

  • 7 Income Streams Anyone Can Create

    Edwin C
    19 Feb 2015 | 10:40 pm
    Lets face it, the days of having one job your whole life, retiring and receiving a nice pension are gone. For years our parents and grandparents put their hearts and souls into companies looking forward to their retirement date. Unfortunately, that type of job security is long gone and it’s more important than ever to have multiple income streams in case something doesn’t work out and you suddenly need to add to your income. Read on for 7 income streams anyone can create. Save Your Raise If you get a yearly raise, but can live on what you were making before, put the extra money in the…
  • Store Credit Cards: The Pros And Cons

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

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

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

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

  • Business Owner Gives Away Reward to Employees

    MichaelHaltman
    27 Feb 2015 | 9:56 am
    Syracuse.com has an inspirational story on their website about Tom Barnett, a businessman who owns 24 Burger King restaurants in Arizona. Barnett was given an award from the Burger King corporation for running good franchises. The prize included a Rolex watch and a corvette. To everyone’s surprise, he sold the car and the watch and divided up the money among his approximately 100 employees. The story comes at a time when the wages fast food workers earn is much in the news. The employees were, of course, happy to get the money said Dan Newlin. According to online reports, they told…
  • Americans Aren’t Paying Off their College Debt

    MichaelHaltman
    23 Feb 2015 | 1:59 pm
    Americans are having a rougher time paying off their student loans than they are their first homes. A new report that Bruce Karatz got from researchers at the Federal Reserve Bank of New York indicates that while most Americans are diligent about paying off things like their home and car, students loans end up becoming less of a priority. Americans owe over $1.2 trillion in student loans. Rather than pay of their debts, many Americans are instead forbearing or defaulting on their student loans. An interesting fact: a significant number of borrowers owe less than $10,000. The median balance is…
  • Student debt more troublesome than mortgage

    MichaelHaltman
    23 Feb 2015 | 12:38 pm
    Today’s Americans are having quite a difficult time paying of their students loans that they took out for college stated PR Newswire.  According to Marc Sparks there was  an 11% increase this past year in delayed payments on student debt, it’s rather strange that all other debt payments, such as mortgage and credit care payments, have seen a substantial decrease in delayed payments. With no way to remove the debt through normal financial means, like filing for bankruptcy, many students carry their loan debt as a burden for doing the right thing. This increase in delayed payments…
  • Conservative Group Calls Bush Unelectable

    MichaelHaltman
    20 Feb 2015 | 11:41 am
    The punches are already being thrown in the 2016 Presidential race, and the latest likely candidate to take a hit is none other than Jeb Bush. Jeb Bush has been considered the Republican front runner since he put his idea of potentially running out there in December. The money machine started to churn, and a lot of dollars started to come Bush’s way. Ray Lane felt seemed like he was the establishment choice so to speak and definitely the odds on favorite to take the nomination. Despite all of this, Bush has received some criticism even from within his own party about some of the policy…
  • Where Does My Credit Score Need To Be?

    MichaelHaltman
    19 Feb 2015 | 8:23 am
    A credit score is the very number that judges you throughout life. It is the number that says whether or not you get a new home, a new car, or that job of your dreams. The FICO system has been established for many years, but what lenders demand as far as credit has changed. Where before it took a solid 650 to get a car with a poor interest rate, today’s demands have changed. Many people don’t know what an acceptable credit score is these days. First, anything above a 700 is a more attractive number to lenders stated Imaging Advantage. If you get your score above 750 and into the…
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    The Economic Peephole

  • Business Owner Gives Away Reward to Employees

    MichaelHaltman
    27 Feb 2015 | 9:56 am
    Syracuse.com has an inspirational story on their website about Tom Barnett, a businessman who owns 24 Burger King restaurants in Arizona. Barnett was given an award from the Burger King corporation... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Americans Aren’t Paying Off their College Debt

    MichaelHaltman
    23 Feb 2015 | 1:59 pm
    Americans are having a rougher time paying off their student loans than they are their first homes. A new report that Bruce Karatz got from researchers at the Federal Reserve Bank of New York... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Student debt more troublesome than mortgage

    MichaelHaltman
    23 Feb 2015 | 12:38 pm
    Today’s Americans are having quite a difficult time paying of their students loans that they took out for college stated PR Newswire.  According to Marc Sparks there was  an 11% increase this... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Conservative Group Calls Bush Unelectable

    MichaelHaltman
    20 Feb 2015 | 11:41 am
    The punches are already being thrown in the 2016 Presidential race, and the latest likely candidate to take a hit is none other than Jeb Bush. Jeb Bush has been considered the Republican front runner... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Where Does My Credit Score Need To Be?

    MichaelHaltman
    19 Feb 2015 | 8:23 am
    A credit score is the very number that judges you throughout life. It is the number that says whether or not you get a new home, a new car, or that job of your dreams. The FICO system has been...... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Owning Gold » Blog

  • Umbrellas cost more when it’s raining. And so does gold.

    dhkenrick
    26 Feb 2015 | 6:19 pm
    Nobody thinks about buying an umbrella when the sun is shining and the sky is blue, without a cloud in sight. If we were totally rational beings, that would be odd. Because we know for a fact that it’s going to rain one day. And we know if we don’t have an umbrella before the rain starts, we’ll not only get wet but will also pay more when we run into a shop and buy that umbrella. But, of course, we are not rational beings. When the sun shines, it feels like it will always shine. We are caught in that same, irrational mindset with gold right now. Stock markets are going up. Employment…
  • Why Central Banks are buying more gold than ever.

    dhkenrick
    23 Feb 2015 | 1:38 pm
    In 2104 the world’s central banks purchased a total of 447 tons of gold. That’s the second biggest year for buying gold in the last 50 years. And it represented a 17% increase on purchasing in 2013. So what was all that about? After all, the price of gold has been falling over the last year. So why would banks want to buy something with a falling value? On the surface, it makes no sense. But it does make sense when you understand that this massive purchase of gold had little, if anything, to do with the price. That buying frenzy wasn’t about the price, or even the gold market. It was…
  • When evaluating gold, forget the markets and look to the Central Banks.

    dhkenrick
    9 Aug 2014 | 6:41 pm
    If you are a trader or speculator in gold, by all means listen to the markets. Your task as a speculator is to make money from the ups and downs in the short-term price of gold. However, if your primary aim is to own gold as a hard asset, you are playing a longer-term game. Sure, you want to buy low. But the weekly ups and downs in gold prices are of no concern to you. You’re in this for the long term. You are holding gold as a security against unforeseen calamities in the future. If you are an owner of gold, rather than a speculator, you should ignore the noise coming from analysts, TV…
  • As gold prices rise, watch out for fake gold bars with tungsten cores, and other scams.

    dhkenrick
    5 Jul 2014 | 6:00 pm
      Photo: MyFoxNY As the price of gold begins to inch its way up, a whole new flood of buyers start looking for gold. (Weird thing…few people buy gold when the price is going down or stagnant. They prefer to buy when the price is higher!) Anyway, as these occasional or “amateur” buyers start looking for dealers, the counterfeiters come out of hiding. Counterfeiters operate in a variety of ways, but their most notorious trick is to sell gold bars which are nothing more than a core of tungsten with a pure gold coating or sleeve. Hang on, you say…just weighing the coin or bar will…
  • In times of emergency you need the gold coins with the highest liquidity.

    dhkenrick
    2 Jul 2014 | 9:47 pm
      Many of us who buy gold bullion coins are motivated by the desire not only to diversify our investments, but also to build up an alternative stash of “money” for times of emergency. Gold is the kind of money you can spend when chaos strikes, whether the dollar has plummeted in value, the banks have closed their doors, or a natural disaster has wiped you out. This doesn’t always involved exchanging gold coins for physical goods. During tough times, you might also want to cash in some of your gold in exchange for paper money. If this is part of your long-term strategy, there is an…
 
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    Compare Australian Credit Cards and Offers

  • Westpac Low Rate Credit Card

    Elizabeth Barry
    16 Feb 2015 | 8:31 pm
    Westpac Low Rate Credit Card Review This low rate card option from Westpac offers you a convenient line of credit that won’t charge you much in the form of interest or fees. When you use your card for purchases you’ll be charged a competitive rate of , and the card also comes with a relatively low […] The post Westpac Low Rate Credit Card appeared first on Compare Australian Credit Cards and Offers.
  • bankmecu Platinum Rewards Visa – Balance Transfer Offer

    Elizabeth Barry
    15 Feb 2015 | 5:41 pm
    bankmecu Platinum Rewards Visa Credit Card Review bankmecu offers you a competitive card option with the Platinum Rewards Visa. The card comes with a balance transfer rate offer that can help you pay down an existing debt, as well as competitive standard features. These includes complimentary overseas travel insurance, the ability to earn up to  […] The post bankmecu Platinum Rewards Visa – Balance Transfer Offer appeared first on Compare Australian Credit Cards and Offers.
  • bankmecu Rewards Platinum Visa Credit Card – Rates & Fees

    Jeremy Cabral
    12 Feb 2015 | 8:09 pm
    Earn valuable points towards Qantas flights and upgrades every time you use your bankmecu Platinum Rewards Visa Card. They make it easy to cash in on the rewards on offer by signing you up to the Qantas program for free. The post bankmecu Rewards Platinum Visa Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • St.George Amplify Platinum Visa Credit Card – Rates & Fees

    Elizabeth Barry
    12 Feb 2015 | 7:15 pm
    St.George Amplify Platinum Visa credit card review Get the year off to a flying start by taking control of your credit card debt. Transfer your existing non-St.George, Bank of Melbourne or BankSA credit card debt to the St.George Amplify Platinum Visa credit card and pay no interest on the balance for months. What’s more, pay […] The post St.George Amplify Platinum Visa Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • St.George Amplify Signature Credit Card – Online Only Offer

    Elizabeth Barry
    12 Feb 2015 | 7:05 pm
    St.George Amplify Signature Visa credit card review With months interest-free on balance transfers and months interest-free on purchases, you can potentially save thousands in interest repayments. Even with these special promotions aside, there’s a lot to like about the Amplify Signature Visa card — it’s packed with extras and perks. Choose between Amplify Rewards or […] The post St.George Amplify Signature Credit Card – Online Only Offer appeared first on Compare Australian Credit Cards and Offers.
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    Money Spruce

  • 3 Years of Freelancing Full-Time: What Have Been The Biggest Surprises?

    Jeffrey Trull
    24 Feb 2015 | 1:18 am
    My friend Melanie asked me at happy hour tonight what I thought the biggest surprises of freelancing were for me. It’s an interesting question to think about. And to be honest, it’s a little hard to remember back to when I wasn’t freelancing. But I know I’ve had a few good ideas all along. So if you’re thinking about freelancing full-time, here are some things I learned that may help you. It takes a while to get started I planned about 8 months ahead of time to quit my job and go freelance full-time. And yet I thought once I started, I’d be booked solid in…
  • Easy ways to cut the cost of your lunch hour

    Jeffrey Trull
    23 Feb 2015 | 2:00 am
    Update: Even though it’s four years since I first wrote about this, I’m still very aware of it today. The streak has ended (can’t pass up $6 food truck lunches in Portland), but I’m still very far from buying lunch every day. 125 Days.  That’s how long since the last time I bought myself lunch on a workday.  That’s 92 consecutive workdays (and counting).  To me, it’s a huge feat that I’m proud of and has also saved me a ton of money.  Conservatively assuming that eating out for lunch costs $5 more than bringing my own lunch, I’ve saved…
  • Why Understanding APR is Important to Your Finances

    Guest
    23 Dec 2014 | 10:35 am
    For most of us, we look at the APR, or Annual Percentage Rate, of our loans and other financial obligations and usually don’t see much difference in them over the actual interest rate. In fact, it’s all too easy for someone to just casually compare the two and figure that they are paying more or less the same. However, this is not true. Failing to consider the APR, especially in a variable interest rate loan, is something that will cause you to slowly lose money over time, because you’ll be paying extra interest. That’s because where an interest rate is the exact figure you’re going…
  • The Next Chapter…

    Jeffrey Trull
    12 Sep 2013 | 11:36 am
    As you may have noticed, Money Spruce hasn’t seen many updates lately. After quitting my job in May 2012 and becoming a full-time freelancer, there’s just been less and less time to write on here. Today, I’m announcing the launch of my new business: Content Strategy for Do-Gooders. CWAM is a one-stop shop for content strategy and creation for social mission-driven businesses and organizations. CWAM’s focus is to help these businesses amplify their social impact using effective content to tell their story, find more followers, and develop a loyal tribe of supporters.
  • Updated: How I Used Free Frequent Flyer Miles to Get $9,000 Worth of Airfare — Twice!

    Jeffrey Trull
    6 Aug 2013 | 12:00 am
    Update: I just booked another trip using frequent flyer miles. This time I’ll be flying to Japan, India, and Nepal — for just $120! The real cost was just 80,000 miles that I earned from a couple of credit card offers. For those who missed it last year, here’s my strategy that I posted in October 2012. Enjoy! I’m excited to share how I’m spending a month traveling to Paris and Bangkok – and spending only $140 on airfare (just the taxes). How? It was really easy, actually: Free frequent flyer miles. No, not the kind you earn from flying around from flights…
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    Good Financial Cents

  • GF¢ 047: Crushing Goals for 2015

    Jeff Rose
    27 Feb 2015 | 9:09 am
    “Dream small dreams. If you make them too big, you get overwhelmed and you don’t do anything. If you make small goals and accomplish them, it gives you the confidence to go on to higher goals.” John H. Johnson By now, if you’ve been a reader of my blog, you know that I LOVE to set goals. This is a byproduct of joining The Strategic Coaching program 4 years ago. You can read how much I love that program here. Setting and reviewing my goals consistently has yielded wild and crazy results. My revenue has almost tripled (hopefully soon quadruple!) and I’ve taken more…
  • What is an “Indirect Rollover”? (and why you should care)

    Jeff Rose
    25 Feb 2015 | 8:42 am
    We often hear the term “rollover” in connection with retirement accounts. People frequently rollover money from one retirement account to another. One of the biggest types of rollovers occurs when a person leaves a job, and does a rollover of their 401(k) plan to an IRA (here’s how you do a 401k rollover to a Roth IRA). But as casually as the word rollover is used, there are actually two types, direct and indirect. And which one you use will be more important this year – and from this point forward – than it is ever been in the past. What is an Indirect Rollover? An indirect…
  • The Top 10 Good Financial Goals That Everyone Should Have

    Jeff Rose
    22 Feb 2015 | 3:49 pm
    If you haven’t realized this yet, I’m kind of a goal setting freak. Some people do New Year’s resolutions.  That’s great, but I think you need to revisit your goals on a more consistent basis.  For me, that’s every 90 days. Other people don’t bother to set goals. They choose – unconsciously at least – to rely on luck. “The best luck of all is the luck you make for yourself.” Douglas MacArthur Let’s establish up front that goals are something more substantial than dreams or wishes. They can start with dreams or wishes, but they have…
  • What the Heck is a Hedge Fund?

    Jeff Rose
    16 Feb 2015 | 8:39 pm
    Am I the only that thinks of Sonic the Hedgehog when I hear the term “hedge fund”? Hedge funds are the mystery players in the investment universe. We hear a lot about them, but few of us ever have any regular interaction with them, and we certainly don’t invest money with them. We assume that the only people who do are the big money people, like Georg Soros and Warren Buffet. But that’s really the “TV version” of hedge funds. In reality, the people who invest with them are a lot closer to us than we think. Sure, they’re generally more prosperous than the average…
  • 11 Ways to Invest $100,000 with Confidence

    Jeff Rose
    15 Feb 2015 | 6:15 pm
    A cool $100,000 hits your checking account. Good day. Before you go bananas and buy a Tesla with automatic lane-changing capabilities, please take a deep breath – for my sake. The last thing I want to see you do is blow all your money on sports cars or bad investments. Whether I’m investing $100,000 or $1,000,000, there are a few steps I would follow first. You can read more about those steps in my article on how to invest a million dollars. That article is more about what to do with a large sum of money (like paying off debt and building an emergency fund) – this one will help…
 
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    One Family's Blog

  • Tracking Warren Buffett's Berkshire Hathaway Portfolio - Q3 2014 Update

    ks
    4 Feb 2015 | 8:04 am
    Below is a spreadsheet that highlights Warren Buffett's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy .  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Seth Klarman's Baupost Group Holdings - Q3 2014 Update

    ks
    4 Feb 2015 | 7:57 am
    Below is a spreadsheet that highlights Seth Klarman's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy .  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking David Einhorn's Greenlight Capital Portfolio - Q3 2014 Update

    ks
    4 Feb 2015 | 7:51 am
    Below is a spreadsheet that highlights David Einhorn's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Mohnish Pabrai's Portfolio - Q3 2014 Update

    ks
    4 Feb 2015 | 7:43 am
    Below is a spreadsheet that highlights Mohnish Pabrai's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Bruce Berkowitz's Fairholme Portfolio - Q3 2014 Update

    ks
    4 Feb 2015 | 7:36 am
    Below is a spreadsheet that highlights Bruce Berkowitz's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy .    [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Cash The Checks

  • 9 Free Shopping Apps You Need To Download

    Edwin C.
    22 Feb 2015 | 9:18 pm
    Clipping coupons is a pain, but if you have a smartphone there are plenty of apps that can make your life much easier. There are tons of money-saving apps available that let you view, save and use coupons right from your phone. You’ll never have to clip a coupon and you’ll still enjoy the savings at the register. Read on for 9 shopping apps you need to download right away. Cartwheel by Target If you’re a Target shopper, you need this app. The app lets you see the latest deals in the store and add special offers to your cartwheel. Then, you can use all of the coupons you’ve selected at…
  • 7 Factors That Affect Car Insurance Rates

    Edwin C.
    15 Feb 2015 | 1:45 am
    Shopping for car insurance can be stressful and confusing. How much insurance do you really need? While many drivers choose to reduce rates by opting for lower coverages or raising deductibles, smart drivers can lower rates by being aware of factors that affect car insurance rates and changing things that are within their control. Here are 7 factors that can affect your car insurance rates. Gender And Age Of The Driver It’s no secret that young men have the highest car insurance rates. The reason is that women are usually better drivers according to statistics. Don’t worry guys –…
  • 6 Financial Tips For New Parents

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

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

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

  • Appraisal for Antique Frame

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

    walt kolenda
    19 Feb 2015 | 4:47 pm
    Hi Walt, Here’s the 2nd of 3 pieces for appraisal.  This should be an easy one for you, but I have yet to master the art of identifying cut glass.  This bowl is 3 1/2″ in height, 6″ diameter at top, 3 3/8″ diameter at bottom.  Weighs  1 lb. 13oz.  No cracks, no chips, no repairs.  Thanks! < AW: That’s A beautiful cut glass bowl. The pattern is Daisy and buttons. It appears to be a piece of American Brilliant Period cut glass. (1876-1915) At this time America had the best glass cutters and techniques in the world. Retail Value: $195-225 Wholesale…
  • 19th Century Silver Russian Menorah Appraisal

    walt kolenda
    28 Jan 2015 | 12:30 pm
    Heather asks: What can you tell me about this? This item is approx. 9 inches in length and 10 1/2 inches in height.  1st item of 3 items paid for appraisal. Thanks Much Heather 19th Century Silver Russian Menorah Appraisal Circa 19th century b. Waptaat or something similar. AW says: This is a wonderful piece of Judaical (Jewish ceremonial arts) circa 19th century. The touch mark which I’ve examined closer with enhancing software, is not listed in any of the major marks directories, (at least none that I”m aware of) . When this is the case, these 19th century Russian Menorahs are…
  • Antique Pine Plank Seat Rocking Chair

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

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

  • 4 Reasons You Could Be Denied a Mortgage

    AJ Smith
    27 Feb 2015 | 9:01 pm
    So, you’ve thought about whether renting or buying your next home is the right decision for you. If you decide to buy a home, you’ll likely have to prepare for financing your purchase with mortgage payments. Here’s where things can get a bit tricky. While getting a hold of the costs involved with home buying can help you determine if you are ready and what you can afford, you also need to prove to lenders that you can and will make your payments. To understand why some people get approved while others are turned away, check out four reasons your mortgage application might not…
  • 17 Proven Ways to Save on Travel

    Marilyn Lewis - Money Talks News
    27 Feb 2015 | 9:01 pm
    Spring and summer vacations are lifesavers after a long, dark winter, though the cost of travel can make planning a trip stressful. But don’t let a tight budget keep you from having a getaway. There are ways to do it for less that won’t diminish your experience. In fact, some may enhance it. 1. Be Flexible on Travel Dates One of the best ways to save money on travel is to go when and where prices are lowest. There are cheaper days to fly. For “domestic U.S. travel it’s Tuesday and Wednesday, and for international trips it’s usually Monday to Wednesday or…
  • 4 Big Refinancing Questions Answered

    AJ Smith
    27 Feb 2015 | 9:01 pm
    You may have heard about it on the news, your neighbors may be bragging about it or you could have even received eligibility notice in the mail — but what is the real deal behind refinancing? Before you crunch your personal numbers and weigh the costs and benefits of refinancing your mortgage, you need to be sure you understand what exactly we’re talking about. How Does It Work? Basically, refinancing a mortgage means getting a new loan with new terms on your home. When you went through the homebuying process, you likely thought — or hoped — that you were done with picking…
  • Can My Credit Card Company Raise My Interest Rate?

    Christine DiGangi
    26 Feb 2015 | 9:01 pm
    The recent announcement from American Express that it will raise interest rates for more than 1 million cardholders has a lot of people asking questions, like how this change will affect them or whether or not this could be the start of an industry-wide trend. It’s been a while since credit card issuers were in the headlines for rate hikes — it was rampant before and during the recession — but the CARD Act of 2009 restricted the practice. Still, as American Express has just shown, issuers can increase your APR under a handful of circumstances. If you’re one of the cardholders…
  • My Son Isn’t Going to College. What Happens to All the Money I Saved?

    Karin Price Mueller
    26 Feb 2015 | 9:01 pm
    Q. My son is turning 18 and I’ve saved more than $200,000 for him for college. He doesn’t want to go. Some of the money is in UTMAs, some in a 529 Plan and some in savings bonds. I don’t want him to live off the money and not get a job. Help! A. Bet that threw you for a loop. Each of the kinds of assets you saved for your son is treated a bit differently, so let’s take stock of what you have. Custodial Accounts The assets you saved in a custodial account — Uniform Transfer to Minor Act accounts, or UTMAs — will be his when he reaches the age of majority, said Bryan Smalley, a…
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    StepChange MoneyAware

  • Rent-to-own stores “rip people off” say MPs. We highlight the alternatives

    StepChange Debt Charity
    19 Feb 2015 | 8:07 am
    Rent to own now, keep paying much, much later? Have you ever bought a TV from BrightHouse or a sofa from PerfectHome? Then you might be interested by news that MPs have called for a crackdown on these kinds of stores. This comes after feedback you provided to us last year. A cross-party group of MPs says the regulator, the Financial Conduct Authority (FCA), needs to take urgent action to stop people from being “ripped off”. Firms like BrightHouse charge APRs of 94.7% and make customers fork out for expensive cover that can treble the price of household goods. For example, a washing…
  • 5 MoneySavingExpert.com challenges that could change your spending habits for good

    Laura
    18 Feb 2015 | 6:30 am
    Could an MSE challenge help you reach your money goals? Living on a budget isn’t easy at the best of times, and sticking to a strict budget can sometimes feel like a slog. This is something we hear from clients, which is why we offer as much motivation and support as we can along the way. But sometimes all you really need is to speak to someone in the same boat. The MoneySavingExpert.com (MSE) forum is one of the biggest online communities of money-saving movers and shakers. As well as hundreds of forum threads discussing everything from freebies to consumer rights, there are loads of…
  • February’s debt news

    Jenny
    17 Feb 2015 | 8:15 am
    Debt news January, aka the ‘Monday’ of the year, is over and February is well and truly here! While it may seem like a slow start to the year for many, lots has been happening in the world of debt and personal finance. Bankruptcy thresholds are set to increase and it might be time to break up with that old phone contract you’ve been overpaying for. There’s good news as well: people are looking out for each other with support for unemployed job seekers, and it could be the end of rail ticket rip offs (sort of). Universal Credit rolls in We’ve talked in the past about the new…
  • How to save money on your water bill with WaterSure

    Laura
    16 Feb 2015 | 9:07 am
    Could you save money on your water bill? I remember learning about the water cycle at school and drawing big fluffy clouds and rivers in my exercise book and writing long words next to them that meant very little to me at the time. To be honest evaporation, condensation and precipitation still mean very little to me, but having clean water running out of my tap means quite a lot. But I must have missed the part of the lesson where they said we had to pay for that last bit. A lot of people try to cut back on the amount of water they use either because they’re concerned about the…
  • Preparing for interest rate rises [infographic]

    Rory
    11 Feb 2015 | 8:53 am
    With plenty of talk about interest rates going up in the near future, it’s important to know what steps you can take to prevent any increases in your mortgage payments tipping your finances over the edge. We recently covered the basics of mortgage interest rate rises, telling you how this could affect you or your debt solution and tips on preparing for the changes. And now research from the Money Advice Service (MAS) has found that almost half of households (47%) in the UK would struggle to cover their mortgage payments if there was a rise in interest rates. To help explain things…
 
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    Free Money Wisdom

  • Easy Ways to Save on Travel Expenses

    Jon the Saver
    19 Feb 2015 | 9:57 am
    Save on Travel – Easy Ways to Save on Travel Expenses to Greece There are numerous ways to save on travel available for those that have an interest in visiting various locations around the world. In today’s world, the “Bucket List” is becoming increasingly popular. This has been especially true since the release of the American comedy-drama movie, “The Bucket List”, in the year 2007. Essentially, this type of list outlines the achievements, experiences, and travel adventures that an individual hopes to have, experience, and/or accomplish during their lifetime. In evaluating the…
  • Financing Your Bucket List

    Jon the Saver
    10 Feb 2015 | 6:54 pm
    How to Achieve Success in Financing Your Bucket List and Saving for Retirement It is now possible to achieve a high level of success in both saving for retirement and bucket list planning, according to financial experts. It is a known fact that most of us could create a massive list of experiences and adventures that we would like to take part in before we “kick the bucket”, so to speak. The idea of creating a list of these experiences and adventures gained an immense amount of popularity with the release of the popular movie, “The Bucket List” in the year of 2007. In this…
  • How A Financial Advisor Can Dramatically Improve Your Business

    Jon the Saver
    6 Feb 2015 | 8:52 am
    A financial management consulting service can help your business with critical advice on growth strategies and improved organizational efficiency. This advice can take your business to a whole new order of magnitude. Let’s take a closer look at how this can happen: Business Growth Strategies Business growth is difficult for all companies in all industries. When we read the financial press, it gives us a distorted picture of how well businesses in general are doing around the world. We only see the 10 percent who are worthy of media attention and not the majority who fail to create…
  • Colleges of the Future And How to Pay for Them

    Jon the Saver
    3 Feb 2015 | 10:33 am
    College Planning Tips – The Colleges of the Future and Their Costs Compared to Traditional Campuses There are several college planning tips in circulation. In a world that is exceptionally competitive, the education that is obtained by going to college is considered to be invaluable. Based on data derived from the Census Bureau in the United States, the annual earnings of an individual with a Bachelor’s degree is 60% higher than those earned by an individual that has only graduated from high school. Unfortunately, the costs associated with college are so immense that, since the onset of…
  • Professional Couponing Explained

    Jon the Saver
    29 Jan 2015 | 9:53 pm
    Professional Couponing – How the Coupon Masters Save Big Time at the Store If you are searching for an professional couponing course, look no further. Here, you will be introduced to extreme couponing tips that will have you saving big time at the store, just like all of those coupon masters that are featured on various television shows, news features, and other forms of media. The tactics that will be outlined in this guide are not the ones that will allow you to clear off shelves at your local store, or develop a massive stockpile that will overrun your home. This extreme couponing 101…
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    Help Me To Save

  • First Direct Regular Saver Account Pays 6% Interest

    Karen Bryan
    25 Feb 2015 | 10:09 pm
    I’ve been aware of the First Direct Regular Saver account, which pays a fixed rate of 6% for 12 months, for some time. You can save between £25 – £300 a month. As you had to hold a First Direct current account in order to access the regular saver account, I’d been put off. Before […]First Direct Regular Saver Account Pays 6% InterestHow to save money. Copyrighted content published on Help Me To Save.
  • Making the Most of Your Stocks and Shares ISA Allowance for 2015

    Karen Bryan
    25 Feb 2015 | 7:26 am
    There are many benefits to opening a stocks and share ISA. Firstly, you don’t have to pay any tax on the capital gains made from your investments as they go up in value. Secondly, you don’t have to pay any tax on interest on bonds meaning you get to keep any returns earned there too. […]Making the Most of Your Stocks and Shares ISA Allowance for 2015How to save money. Copyrighted content published on Help Me To Save.
  • Snubbed for Credit: What are the Reasons?

    Karen Bryan
    23 Feb 2015 | 10:49 pm
    The first thing to do after having a credit application turned down is to make sure you understand why it happened. After being turned down, the loan or credit card company can tell you if you were refused because of a credit check and which of the credit reference agencies was used. If you think […]Snubbed for Credit: What are the Reasons?How to save money. Copyrighted content published on Help Me To Save.
  • Getting the Best Price for Your Old Mobile Phone

    Karen Bryan
    22 Feb 2015 | 10:36 pm
    Let’s face it, most of us have a least a couple of old mobile phones lying around at home. Why not sell them to make some extra cash? I’d recommend that you keep at least one old phone as a backup, in case you damage or lose your main mobile. Recently, I was glad that […]Getting the Best Price for Your Old Mobile PhoneHow to save money. Copyrighted content published on Help Me To Save.
  • Using ebookers Bonus+

    Karen Bryan
    18 Feb 2015 | 10:29 pm
    The ebookers Bonus+ scheme offers discounts on hotels, packaged trips and flights. It starts off with a discount of 3% on hotels, 2% on packaged trips add 1% on flights. As the discount is only applicable on your next booking, it’s a marketing ploy to get you to make your next booking on ebookers. However, […]Using ebookers Bonus+How to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • How Saving More Can Help Your Credit Score (Indirectly)

    Claire Davidson
    27 Feb 2015 | 6:42 pm
    When you revamp your savings plan this year, in your own private observance of America Saves Week, you may help your credit score. The impact is indirect, but extra money in the bank will make it much easier to keep up with bills and minimize debt — and that can boost your credit long term. Credit Score Basics Credit scores are three-digit numbers that gauge your creditworthiness and borrowing risk. The three major consumer credit bureaus — TransUnion, Experian and Equifax — calculate the value using an algorithm devised by Fair Isaac Corporation. The number is universally known…
  • Google Wallet Barriers Drop at AT&T, Verizon and T-Mobile

    Emily Starbuck Crone
    27 Feb 2015 | 5:32 pm
    Smartphone users with T-Mobile, Verizon and AT&T service will finally have the chance to try Google Wallet. Recently, Google made peace with the three major carriers to stop them from effectively blocking its mobile payment app. Although the search giant brought out its digital wallet service in 2011, lack of cooperation from carriers prevented it from making as big an impact as Apple Pay has since its October debut. But with the carrier logjam broken, Google’s app will be available to far more consumers, giving it a chance to become a stronger Apple Pay competitor. Google Wallet’s…
  • Chase Ink Plus Credit Card: Why You Should Get It Now

    Lindsay Konsko
    27 Feb 2015 | 2:07 pm
    Small business owners have to make a lot of decisions, so here’s some advice that will make at least one choice easier. If you’re looking for a credit card, the Nerds have a recommendation: the Ink Plus® Business Credit Card. It’s one of our top picks among business plastic. Here are five reasons why: Apply Nowon Chase's secure website 1. It offers a stellar sign-up bonus. Getting a new credit card is a chance to score a sign-up bonus, and on this front the Ink Plus® Business Credit Card delivers. You’ll Earn 60,000 bonus points after you spend $5,000 on purchases in the…
  • The Pluses and Perils of Using a Credit Card to Finance Your Small Business

    Claire Davidson
    27 Feb 2015 | 10:04 am
    When you’re starting a small business, sometimes your expenses may exceed your current budget, and having a credit card can help. Unlike small business loans, plastic is generally easier to qualify for, and many small business credit cards offer competitive rates and generous rewards. But before taking the plunge, you should know the basics of using a credit card to finance your business. Will my personal credit be affected when I use credit cards for business? In some cases, yes. But it depends on the credit card, the issuer and the situation. When you’re a small business owner,…
  • Best Credit Card Offers for Spring Break with Your Family

    Erin El Issa
    27 Feb 2015 | 9:59 am
    You’ll want to have the best possible credit card in your wallet if you’re planning to pack up your family for spring break. Here are three of the Nerds’ favorite credit cards for a spring break trip with the kiddos. Citi ThankYou® Premier Card: Best for family fun Apply Nowon Citibank's secure websiteSpring break is a time for relaxation and entertainment. The Citi ThankYou® Premier Card can help — it offers 3X ThankYou points on dining out and entertainment, 2X ThankYou points on airfare, hotel stays and travel agency purchases, and 1 ThankYou point on every…
 
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    Card Hub

  • What to Do If Your Credit Card is Lost or Stolen

    John Kiernan
    27 Feb 2015 | 4:22 pm
    It’s a gut-wrenching feeling – reaching into your pocket, wallet or purse for your credit card and coming up empty.  Yes, in this era of hackers and cybercrime, physically losing your credit card and potentially putting it into the hands of thieves is still a concern. From a practical perspective, the first thing you should do if you lose your credit card is make sure it’s really lost.  That means retracing your steps to the last places you are likely to have possessed and actually used your card.  Below are some of the most common places that misplaced credit cards always seem to…
  • How to Stay Out of Debt: Tips, Strategies & More

    John Kiernan
    27 Feb 2015 | 1:00 pm
    How does one go about ensuring they stay in the black?  There are a number of strategies, as you’ll see below, and it all begins with preparation and: There is a variety of reasons why people get into debt, some intentional (e.g. student loans, auto loans and mortgages), others circumstantial (e.g. car repairs, emergency medical expenses or job loss).  And while you cannot protect against all drivers of debt, you can certainly take steps to decrease your reliance on borrowed funds. Source http://www.cardhub.com/edu/how-to-stay-out-of-debt/
  • Investing with Credit Cards: How It’s Possible, Why to Avoid It & More

    John Kiernan
    20 Feb 2015 | 8:32 am
    While nearly 80% of U.S. consumers have credit cards and we make 20 billion credit card transactions each year (accounting for roughly 13% of the country’s Gross Domestic Product), there’s one thing that’s tough to do with plastic: purchase an investment. Not only do Federal Regulations limit the extent to which you can make investments with borrowed money – which is technically what a credit line represents – but most brokers explicitly prohibit their customers from directly funding their accounts with credit cards. It makes sense, after all, since people would inevitably gamble…
  • 2015 Balance Transfer Report

    Alina Comoreanu
    18 Feb 2015 | 4:00 am
    Rising credit card debt levels, a recovering economy and historic 0% credit card offers have combined to create an ideal balance transfer landscape. In fact, the right balance transfer deal now stands to save the average household – which has $7,126 in credit card debt alone – more than $1,000 in fees and finance charges while helping them pay off amounts owed months sooner. However, a general lack of consumer understanding prevents most people from taking full advantage of this sweet-spot for savings. This study will strive to close that knowledge gap by comparing the policies of 15…
  • Barclaycard Rewards Program Review, Tips & More

    Debra Wei
    17 Feb 2015 | 2:13 pm
    Barclaycard – the moniker assigned to Barclays’ credit card division – offers a total of three rewards credit cards in two different rewards programs:  Barclaycard Arrival (which uses miles) and Barclaycard Rewards (which uses points, despite being advertised as a cash-based program). Members of both programs can redeem their earnings for perks like cash back, gift cards and merchandise. Additionally, those in the Barclaycard Arrival program have the ability to redeem for travel rewards – which happen to be the most lucrative redemption option offered by Barclays. Source…
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    CreditDonkey

  • 23 Twitter Statistics

    28 Feb 2015 | 12:00 am
    Every social media network has that one thing that makes it different, and at Twitter, it's the belief that less really is more. Users can express their thoughts, share ideas and post photos, but the catch is they can only do it in 140 characters or less. The fact that Twitter keeps things short and sweet is one of the things that's fueled its success.
  • Study: Best Shipping Company - UPS vs FedEx vs USPS

    27 Feb 2015 | 12:00 am
    What is the best shipping company for small business? Read this comparison of FedEx, UPS and USPS before you ship your next package.
  • Best Place to Print Photos - Shutterfly vs Snapfish vs MPIX

    26 Feb 2015 | 12:00 am
    We’re all taking more photos than ever. But what are we doing with them? Are they forever stuck in our phones or in the cloud somewhere? Photo sites make it easy to pull out your favorite images and turn them into printable keepsakes and gifts. The only hard part is deciding which one to use.
  • 23 Scientific Ways to Network Better

    25 Feb 2015 | 12:00 am
    To connect with more people, you need to get out and make a lasting impression. But how do you do that? Read on; we explain how to do it better.
  • 23 Smart Money Moves to Make in College

    24 Feb 2015 | 12:00 am
    Unless your high school taught you about personal finance, you’ll have to teach yourself how to manage your money in college. Here are 23 smart moves to make before you get your diploma.
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    Recent Blog Posts

  • Can Stores Enforce Their Credit Card Security Agreements in California

    16 Feb 2015 | 9:08 pm
    In a recent blog post I addressed the question, "Can Stores Repossess What You Bought with the Store Card?" The basic answer was that they can if their store credit card contract gave them a right to do so. In other words, the issue is whether the store's contract states that you give them a "security interest" in the items purchased—a right to repossess if you don't make the agreed payments on the card. So, if you bought a dining room table from Mor Furniture, and three months later you couldn't make the monthly payments, could the store repossess the…
  • Court of Appeals Allows "Administrative Freeze"

    28 Jan 2015 | 12:34 pm
    AREN'T CREDITORS USUALLY PREVENTED FROM TOUCHING YOUR BANK ACCOUNT ONCE YOU FILE BANKRUPTY? Yes. The powerful federal law called the "automatic stay" strictly forbids your creditors from garnishing your checking or savings account from the moment you file a bankruptcy case. In fact, "any act to collect, assess, or recover" a debt by a creditor is forbidden under the Bankruptcy Code. This applies to both Chapter 7 "straight bankruptcy" and Chapter 13 "adjustment of debts." BUT WHAT IF A CREDITOR HAS A JUDGMENT AND IS GARNISHING MY BANK ACCOUNT? It…
  • A Chapter 13 Plan Can Help You Deal with Secured Personal Property

    27 Jan 2015 | 10:38 am
    The Advantages under Chapter 13 of Dealing with Creditors Secured by Personal Property Collateral This last summer I wrote in this Bankruptcy Blog about "Reaffirming Personal Property Other Than Your Vehicle." It was about how to file bankruptcy and yet be allowed to keep the furniture, appliances, electronics, and anything else you bought on time or gave as collateral on a loan. That blog post focused on how this works in a Chapter 7 "straight bankruptcy" case. The bottom line was that if a debt was legally "secured" by the items purchased or the collateral…
  • Discharging Taxes - What Does it Mean to Willfully Evade Taxes?

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

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

  • Blue and Black… Or White and Gold? Either Way, This Viral Dress is a Money-Maker

    Catherine Alford
    27 Feb 2015 | 6:57 pm
    “Blue and black? Or white and gold?” We’re all sick of hearing about The Dress by now. But let’s be honest: while this viral phenomenon might not be as entertaining as Katy Perry’s Left Shark, #TheDress really does have some money-making potential. How on earth did something as simple as a two-colored dress take over our Facebook feeds, online newspapers and pretty much the entire Internet? It started with a Tumblr blogger named Swiked, who posted a picture of a lacy dress. It seemed harmless enough, except she mentioned in the update that she was spooked because she saw one color…
  • Love Playing With Cats and Dogs? How to Become a Pet Photographer

    Steve Gillman
    27 Feb 2015 | 12:00 pm
    It seems there’s no end to the ways you can make money serving pets and their owners. Not convinced? Previous posts have covered everything from building cat enclosures, to earning $100 per night pet sitting, to becoming a pet detective. We even reported on one woman who has almost paid off her mortgage by selling used pet toys. Here’s one more option to add to the list: become a pet photographer. When people look at photos of their pets, their brains respond in many of the same ways as when they see photos of their kids, according to Health.com. That’s no surprise to those of…
  • Meet Boo, Tuna and Manny: Dogs Cashing In on Social Media Fame

    Kristen Pope
    27 Feb 2015 | 9:40 am
    Boo, “the world’s cutest dog,” has almost seven times as many Facebook fans as House of Cards star Kevin Spacey — 17 million of them. The eight-year-old Pomeranian first appeared on Facebook in 2009. The following year, singer Ke$ha sent out a tweet announcing her “new boyfriend” with a link to Boo’s Facebook page, and the frenzy began. Soon, Khloé Kardashian was weighing in on the matter, declaring Boo the “cutest dog on the planet.” What do you do when the world loves your adorable little fluffball? You cash in, of course. Boo’s owner, Facebook executive…
  • Love to Sew? Start a Side Business Offering Clothing Alterations

    Lisa Rowan
    27 Feb 2015 | 3:00 am
    As a vintage clothing retailer, customers often ask me who I’d recommend to tailor classic pieces that don’t fit quite right. Finding the perfect fit is especially tough with vintage pieces that were designed to fit someone who lived 50 years ago, but modern styles can present their own challenges. I typically recommend that my customers call a sewing genius who lives near my shop. She’s not a full-time seamstress – in fact, she has a fast-paced, full-time job downtown – but she spends her nights and weekends teaching sewing classes and providing alterations. How does she…
  • Want a Free Meal at IHOP? Celebrate National Pancake Day on March 3

    Kelly Gurnett
    26 Feb 2015 | 12:14 pm
    Pancakes. Kids love ‘em, adults love ‘em. They’re good for breakfast, lunch and dinner. They’re good for a snack or a dessert. They’re delicious whether they’re topped with butter, syrup or strawberries and whipped cream. Whether you’re a carb aficionado or you simply like free food, get your forks ready: March 3, 2015 is IHOP’s 10th annual National Pancake Day celebration, and they’re giving you free pancakes. How to Get Free Pancakes Every year since 2006, more than 1,500 IHOP restaurants nationwide (and in Canada) have offered customers a free short stack of 3 buttermilk…
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    Don't Go Alone: Your Freedoms and the Law

  • Do you know how CORI reports work?

    Justin Kelsey
    17 Feb 2015 | 4:08 pm
    CORI stands for Criminal Offender Record Information, which is managed in Massachusetts by the CORI Support Services Unit.  According to their website, the CORI unit process an average of 100,000 requests per month to access the criminal records of individuals in Massachusetts. This does not include law enforcement agencies which may have access to a more complete report. Also according to the CORI Unit website:"The source of criminal history information contained in the iCORI database is the Office of the Commissioner of Probation (OCP), a subdivision of the Administrative Office of the…
  • 3-D Printed Firearm Leads to Jail Time

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

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

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

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

  • Riverbend Folios Are Here!

    John Rothe
    18 Feb 2015 | 4:45 am
    Have you noticed the markets are getting a bit more “bumpy”? Is it time to get your investment accounts organized before the markets take a major hit? Riverbend Folios Are Here! (click here to learn more) I want to share with you an exciting new launch: Riverbend Folios, actively managed portfolios designed for active markets. Riverbend Folios is an online platform that allows you to create a custom blend of our proprietary investment strategies. Our actively managed strategies have been guiding clients since 2006, and can benefit investors during volatile markets using: Actively…
  • Markets Are At An Interesting Crossroad

    John Rothe
    13 Feb 2015 | 8:36 am
    The US stock market has been stuck in a sideways trading range since early December. Now we are at a point where the next few trading sessions may decide the fate of the next few months. Some of the patterns that I have been watching during this time frame are starting to shift. If this shift in investor behavior continues, there may be an opportunity for investors to take early advantage of an emerging (and new) trading pattern. US Equities Money looks like it is on the verge of flowing more aggressively back into equities:   The weekly chart shows that the MACD is nearing a crossover…
  • Global Portfolio Strategy: February 2015 Update

    John Rothe
    5 Feb 2015 | 5:07 am
    Each month I post an update to my global asset allocation strategy. This strategy is a relative strength, ETF based model that allows us to better gauge how global investors are feeling about the strength (or weakness) in the global economy and markets.   The Strategy Had A Very Good January Despite the weakness we saw in the US equity markets during the month of January, our global strategy performed better than expected: data provided by ETFreplay.com As I have mentioned in past posts, this strategy has been very conservative over the past few months. As relative strength in global…
  • Market Flashing A “Secret” Buy Sign? Really?

    John Rothe
    2 Feb 2015 | 12:06 pm
    Short term traders seem not too sure on what the next move in the market will be. A recent interview on CNBC highlights the disagreement and “hedging” among traders: The VIX pattern seems to indicate a wait and see approach by traders. Not much conviction until we see a breakout: In the meantime the flight for safety continues. As a result US Treasury Bond prices continue to rise:   The uncertainty due to lower oil prices, a potential Greek default, and continued mix economic data, seems to be keeping many traders on the sidelines. Keep an eye on the 200 day moving average.
  • Sector Overview: Relative Strength And Trends

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

  • 5 Reasons to Pack your Bags and Go to Spain

    Marissa Anwar
    25 Feb 2015 | 9:37 am
    While I haven’t officially announced it on the blog, I am currently on a whirlwind 5 month trip in Europe, working and exploring the sights and sounds of the countries that fascinate me (and don’t have snow)! Why? Well, because I can. I got bitten by a radioactive travel bug and now I can’t stop seeing the world. The rush of packing my bags and heading off to some faraway spot on the globe is intoxicating. I love getting to know the locals, learning new cultures, experimenting with food and going where no other tourist has gone before. For me, It’s all about the journey and…
  • Buying Your First House? Think Credit Unions

    Melissa
    22 Feb 2015 | 4:13 am
    This is the fifth installment in our series about credit unions by contributing writer, Melissa. Over the past few We’ve taken a closer look at all the services that credit unions provide and whether or not they are the right fit for you. You can read the first installments here: What is a Credit Union? Uncovering the Financial Institution Alternative. The Banking Basics of a Credit Union Get the Credit You Deserve for Your Education- Credit Union Student Lending Credit Unions and Cars- The Simple Purchase In the last two years, I have been riding the fantasy of buying my first home!
  • 5 Startup Business Ideas

    Marissa Anwar
    17 Feb 2015 | 6:44 am
    If you have ever thought that the only people capable of starting up a successful business are those with plenty of money, specialised skills and a lot of good fortune, you may want to think again. There are countless startup business possibilities that can be made successful by people with a diverse range of skills and backgrounds. Below are some ideas. 1. Your Own Telco Running your own telco represents a great startup business opportunity, particularly for those who have an entrepreneurial spirit, a background in sales, and the ability to effectively establish and maintain relationships…
  • Allowance for College Students – The Benefits and Drawbacks

    Marissa Anwar
    13 Feb 2015 | 2:02 pm
    Saying goodbye to a child leaving for college is never easy. Even though you knew the time was coming, it can be bittersweet. You’ve taught them right from wrong, good from bad, and how to be responsible, but now it’s time for them to fly using their own wings. So just how much should you help out? College is certainly expensive, even when parents have planned for it. With tuition, books, and living expenses skyrocketing, you need to ensure your child has the necessary dorm room supplies and bedding from sites like Residence Hall Linens. After all the essentials are sorted out, additional…
  • Why You Should Be Excited for Tax Season: New Tax Credits for 2014

    Marissa Anwar
    1 Feb 2015 | 11:31 pm
    I love tax season, and finding out about new tax credits makes me giddy! It’s like auditing how good you are paying attention to your savings, and accounting during the year. Being an entrepreneur makes tax season a little more fun, compared to when I was working for someone else, but I have full control over all my expenses, deductions. This is the first year that I’ve run 3 different businesses, one being a non-profit entity, so you can imagine how excited I get around this time of the year. It’s also no wonder that I jumped at the chance to come on board as an Ambassador…
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    Thirty Six Months

  • 5 Reasons to Pack your Bags and Go to Spain

    Marissa Anwar
    25 Feb 2015 | 9:37 am
    While I haven’t officially announced it on the blog, I am currently on a whirlwind 5 month trip in Europe, working and exploring the sights and sounds of the countries that fascinate me (and don’t have snow)! Why? Well, because I can. I got bitten by a radioactive travel bug and now I can’t stop seeing the world. The rush of packing my bags and heading off to some faraway spot on the globe is intoxicating. I love getting to know the locals, learning new cultures, experimenting with food and going where no other tourist has gone before. For me, It’s all about the journey and…
  • Buying Your First House? Think Credit Unions

    Melissa
    22 Feb 2015 | 4:13 am
    This is the fifth installment in our series about credit unions by contributing writer, Melissa. Over the past few We’ve taken a closer look at all the services that credit unions provide and whether or not they are the right fit for you. You can read the first installments here: What is a Credit Union? Uncovering the Financial Institution Alternative. The Banking Basics of a Credit Union Get the Credit You Deserve for Your Education- Credit Union Student Lending Credit Unions and Cars- The Simple Purchase In the last two years, I have been riding the fantasy of buying my first home!
  • 5 Startup Business Ideas

    Marissa Anwar
    17 Feb 2015 | 6:44 am
    If you have ever thought that the only people capable of starting up a successful business are those with plenty of money, specialised skills and a lot of good fortune, you may want to think again. There are countless startup business possibilities that can be made successful by people with a diverse range of skills and backgrounds. Below are some ideas. 1. Your Own Telco Running your own telco represents a great startup business opportunity, particularly for those who have an entrepreneurial spirit, a background in sales, and the ability to effectively establish and maintain relationships…
  • Allowance for College Students – The Benefits and Drawbacks

    Marissa Anwar
    13 Feb 2015 | 2:02 pm
    Saying goodbye to a child leaving for college is never easy. Even though you knew the time was coming, it can be bittersweet. You’ve taught them right from wrong, good from bad, and how to be responsible, but now it’s time for them to fly using their own wings. So just how much should you help out? College is certainly expensive, even when parents have planned for it. With tuition, books, and living expenses skyrocketing, you need to ensure your child has the necessary dorm room supplies and bedding from sites like Residence Hall Linens. After all the essentials are sorted out, additional…
  • Why You Should Be Excited for Tax Season: New Tax Credits for 2014

    Marissa Anwar
    1 Feb 2015 | 11:31 pm
    I love tax season, and finding out about new tax credits makes me giddy! It’s like auditing how good you are paying attention to your savings, and accounting during the year. Being an entrepreneur makes tax season a little more fun, compared to when I was working for someone else, but I have full control over all my expenses, deductions. This is the first year that I’ve run 3 different businesses, one being a non-profit entity, so you can imagine how excited I get around this time of the year. It’s also no wonder that I jumped at the chance to come on board as an Ambassador…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: February 21-27, 2015

    Chris Mettler
    27 Feb 2015 | 7:36 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for February 21-27, 2015. American Express Raises Interest Rates On Wednesday, American Express announced their plans to raise the annual interest rates on consumer credit cards for the first time in five years. After losing their business agreements with Costco…
  • Save as You Serve: Military personnel enjoy exclusive, incredible discounts

    Tom Kerr
    27 Feb 2015 | 5:59 am
    Military (and America) Saves Week is about taking advantage of tips and ideas to save a few extra dollars every month. Not many people know that one of the most incredible ways to save is by serving. Members of the United States military, whether they are active duty service members or military retirees, can shop at stores called Military Exchanges. Spouses and dependents are welcome to shop there as well, just as long as they can present their military I.D. card. About Military Exchange Stores Military Exchange stores employ approximately 50,000 people located in 30 different countries,…
  • The Military Star Rewards MasterCard Review

    Tom Kerr
    25 Feb 2015 | 6:47 am
    If you are in the military or have military affiliation, then the Military Star Rewards MasterCard may be a credit card you should consider carrying. This credit card, issued by Chase, is accepted everywhere that MasterCard is honored, but is specifically designed for military personnel and others who have shopping privileges at military exchange retailers. Military Star Rewards Card Features Earn 2% cash back on purchases at the Exchange, MilExch.com, Express Fuel Stations, MWR Merchants, and the Commissary. Earn 1% cash back on other purchases Earn 2% cash back on all purchases for the…
  • Military Saves Week Promotes Financial Wellbeing

    Kari Luckett
    24 Feb 2015 | 7:53 am
    Coinciding with America Saves Week, Military Saves Week is a campaign coordinated by the non-profit Consumer Federation of America (CFA), and is dedicated to helping service members and their families save money, reduce debt and build wealth. The purpose is to persuade, motivate, and encourage financial readiness and preparedness for a healthier financial future. Military Saves Week is February 23-28, 2015.Once you have taken the pledge to save, you will receive: Free subscriptions to the monthly Military Saves e-Newsletter Free myFICO credit score for service members and their spouses…
  • America Saves Week: Take the pledge to save

    Kari Luckett
    23 Feb 2015 | 7:20 am
    Started in 2007 by America Saves and American Savings Education Council, America Saves Week is a weeklong event starting February 23, 2015, for Americans to assess their current financial status and to develop a savings plan. The annual event was started to encourage individuals and families to save money and build wealth. America Saves is a national campaign involving more than 1,000 non-profit, corporate, and government agencies, that assist, encourage, and educate American consumers to save for a healthy financial future. Let’s also not forget that it’s Military Saves Week.
 
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    Feeds : Dailyworth

  • From Guilt to Sadness — How Emotions Affect Money Habits

    23 Feb 2015 | 9:00 pm
    Get In Touch With Your Feelings We aren't particularly rational creatures when it comes to money. For example, my family’s recent house search left me underwhelmed — until I walked into what is now our home. I stopped dead in my tracks and knew it was the place for us, even before we'd seen the kitchen or bedrooms. When that gut-deep emotion bubbled, I made the leap into buying, a decision I never regretted. What we want to avoid are emotional decisions that take us in the wrong direction. Here’s how your feelings can cause you to make bad financial choices —…
  • What to Do Before You See Your Tax Preparer

    9 Feb 2015 | 9:00 pm
    Get Ready Whether you love filing your taxes or push it off as long as possible in fear of what you might find, tax preparation is non-negotiable. Doing all the work yourself, however, is. If you opt to see a tax pro, go prepared. From gathering key documents to identifying deductible expenses, here are six things to do before you see your tax preparer. Gather These Important Documents Last year’s tax return: To file your tax return, the tax accountant will need some important documents. If it’s your first appointment, make sure to bring last year’s tax return for their…
  • 4 Women’s Real Tax Nightmares — and How They Solved Them

    9 Feb 2015 | 9:00 pm
    Her Savings Account Was Levied What happened: A few years ago, Lindsay Daly, 29, lived in Massachusetts for the first three months of the year and didn’t have health insurance (which is required there). She then moved to New York for a job, complete with health benefits. At the end of the year, Daly’s father mistakenly filed taxes for her as a full-year Massachusetts resident, which left her with a penalty of $2,000 for the lack of health insurance. However, Daly was not aware she owed anything. “I never received so much as a phone call or a letter from the Massachusetts…
  • The Surprise Costs of Getting Pregnant

    8 Feb 2015 | 9:00 pm
    Add It Up With all the talk about how expensive it is to have a kid ($241,080 for the average U.S. family), many women don’t realize how much simply getting pregnant in the first place can affect your bottom line. “We think this is supposed to be the cheap and easy part, but that isn’t always the case,” says Jean M. Twenge, PhD, author of The Impatient Woman’s Guide to Getting Pregnant. “Even if you’re trying the old-fashioned way, you should be on prenatal vitamins. As the months go by, you may decide to invest in ovulation predictors or fertility…
  • The 10 Worst Credit Card Mistakes You Can Make

    3 Feb 2015 | 9:00 pm
    Plastic Fantastic? Credit cards can be a convenient, safe way to make purchases and build your credit scores. Or they can be an expensive nightmare that could put you in bankruptcy court. The difference isn't so much in the cards you use as how you use them. Here are 10 of the biggest mistakes you can make with plastic, and what you should do instead. Not Using Them Strategically A debit card may help you avoid overspending, but it also gives fraudsters a direct path into your bank account. Given the massive database breaches at Target, Michael's, and other retailers, that should give…
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    Money Q&A

  • It’s A Mistake Teaching Financial Literacy In Schools

    Hank Coleman
    16 Feb 2015 | 2:00 am
    In May, a stringent new financial literacy law took effect in Oklahoma. It requires all high school students to pass a class on personal finance before they can graduate. Banking, taxes, investing, loans, insurance and identity theft, among other subjects, will be part of the curriculum, and the teachers will have to certify that their students comprehend them all. Given the woefully high levels of financial illiteracy in America, making such a course standard and required in high schools might sound like a fine idea. There’s just one big risk: Those teachers could lead their students…
  • Hidden Problems Renters Face With Their Credit Score

    Hank Coleman
    2 Feb 2015 | 2:00 am
    Many young people don’t realize their credit score has a big impact on their ability to rent a home or apartment. Most landlords pull credit reports before agreeing to sign a lease, and a less than desirable FICO score can severely limit your chances of getting into a decent apartment at all, let alone at a reasonable price. Insurance companies, too, often charge higher insurance premiums to applicants with poor credit scores. But do you have to let your negative credit score affect you in this way? Can you rebuild your credit history solely as a renter? Can paying your rent on time…
  • How To Rebuild Your Credit After A Short Sale

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

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

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

  • The couples and money roundup

    Mindy Crary
    24 Feb 2015 | 2:20 pm
    All couples argue, but what are couples fighting about the most? According to a 2012 survey from the American Institute of CPAs, money is the most common reason married or cohabiting couples fight. Of over 1,000 American adults polled, 27 percent of participants said that disagreements over finances were most likely to erupt into an argument — not children, chores, work or friends. The survey also found that couples average three arguments a month about financial issues. Researchers believe that the conflict may stem from failing to discuss money on a regular basis. Fifty-five percent…
  • The #1 way to improve your relationship with money

    Mindy Crary
    17 Feb 2015 | 2:09 pm
    This is a popular post from a few years ago that I think is worth reviewing as you strive to improve your relationship with money! What is the best way to improve your relationship with money? The answer to that is the same as the answer to how you would go about improving ANY relationship—through love. You can’t enjoy a good relationship with money unless you’re willing to love it, through thick and thin. Love As Behavior, Not Emotion Love is a choice and an intention–not only an emotion, but also a behavior. When we choose to love our cat even though she scratched us, that’s love.
  • The #1 financial mistake a couple can make

    Mindy Crary
    10 Feb 2015 | 3:42 pm
    Jenn Burton joins Creative Money again to share her wisdom on helping couples get the most out of their communications around money.  Are there any particular activities, mindsets, behaviors or conversations that are essential to couples and conflict? I think the biggest financial mistake couples make is to leave one person to shoulder all of the responsibility for financial awareness and management in the relationship/marriage. This is a recipe for one of three problems: Resentment and bitterness from the partner who has to make sure that the finances always work. Which, especially in times…
  • What you MUST do when having financial conversations with loved ones

    Mindy Crary
    3 Feb 2015 | 12:03 pm
    Jenev Caddell, PsyD joins Creative Money again to share her wisdom on helping couples get the most out of their communications around money.  I asked her two specific questions, read on! What are some of the DON’Ts or MUST-DOs that couples need to be on the lookout for to make sure they discuss (and argue about) money in the most productive way? Whenever couples get into that kind of blood-boiling, rip-your-hair-out, bang-your-head-into-the-wall kind of fight, the argument is never really about the topic at hand. Sure, it can be frustrating if you see something one way and if your…
  • Reflection, gratitude and the people who help me build my business

    Mindy Crary
    27 Jan 2015 | 11:48 am
    Even though we’re already “supposed” to have our resolutions ready to go in January, I always think this time of year is less about the nuts and bolts of personal financial decisions, and more about reflecting: what went well the past 12 months?  What can be improved upon going forward?  This is always about more than “just” money (because everything is…) and more about understanding the integration of decisions around money and how it affected other goals.  For example, I didn’t prioritize exercise the past 12 months…I’m not going to berate…
 
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    Three Thrifty Guys

  • What I Learned From Giving Away $60,000 (and Other Insights From the Hidden Cash Creator)

    Aaron
    27 Feb 2015 | 4:30 am
    You might be familiar with the “Hidden Cash” events that popped up around the US last year. They were organized by successful real estate investor and businessman, Jason Buzi, who was looking for creative ways to do good and give back. We were honored to interview him last summer as these secret giveaways were underway and making news. Buzi eventually decided to end the events – but continues to give back to his followers and others. We were curious what he learned from this experience and any other insights he was willing to share with us. In the end, how much did you…
  • How to Fix a Garbage Disposal

    Aaron
    23 Feb 2015 | 4:26 am
    Let me just tell you – I’m no handyman. Most of my repairs are done with the aid of YouTube and the help of a trusted professional. So, when my wife said she had gotten something stuck in the garbage disposal the other day and it wasn’t working, my first thought was to think about who I knew that might be able to fix it. Against my better judgment (and my better half), I decided to have a look underneath the sink and I started to tinker around.  “Aaron, aren’t you going to consult the owner’s manual?” my wife side. “Ah, no, I’ll just…
  • How to Enable Ooma’s Expanded Blacklist Feature

    Charlie
    20 Feb 2015 | 4:43 am
    Lately, I’ve been getting a lot of annoying telemarketing calls and requests for donations on my home phone. Even though I’m on the “Do Not Call List”, I still have to deal with these folks. Luckily, since I have Ooma Premier services, I am able to leverage their new call blocking services. Ooma calls this new feature “Expanded Blacklisting”. Here is step by step process on how to take advantage of Ooma call blocking service.  Setting up Ooma call blocking took me less than 3 minutes, and I was surprised just easy it was to set up. You can access these new…
  • 7 Ways to Save Money Through Your Employer

    Aaron
    18 Feb 2015 | 3:54 am
    This post originally appeared on Three Thrifty Guys in 2010. Thought it was worth republishing again in 2015, in case you missed it. One of your best ally’s in saving more money could be right next door to your cubicle: your employer. While every company is different, a majority of employers offer various perks to keep their people happy. Taking advantage of these could save you some decent change! See if your workplace participates in any of the following:  Travel discounts. Many agencies will offer group discounts to folks traveling. Your company may also have a travel agent you can go…
  • How Much We Earned in Credit Card Rewards Last Year

    Aaron
    13 Feb 2015 | 4:29 am
    In 2013, I decided to share with our readers what we earned from using our credit cards sparingly over the course of the year. The total came to about $150. Since that time, we decided to take advantage of these cash rewards a little more because they were fairly lucrative (as far as credit card rewards go). It seems that more and more cards are turning to rewards to help spur spending (and, I would assume) leads to folks not paying off the balances every month.  According to a Gallup report earlier last year, people are relying less on their credit cards for purchases AND are actually…
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    Nerd's Eye View | Kitces.com

  • Weekend Reading for Financial Planners (Feb 28 – Mar 1)

    Michael Kitces
    27 Feb 2015 | 12:02 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with several big news announcements, including President Obama's public endorsement of the Department of Labor's looming fiduciary proposal, Envestnet's acquisition of robo-advisor-for-advisors platform Upside Advisor barely more than a year into its existence, and the decision of Fidelity to merge its broker-dealer and RIA custodian clearing units into one while also creating a new Fidelity Wealth Technologies division to push forward the company's increasing focus on next generation…
  • MailBag: Can You Relocate As A Financial Advisor Without Giving Up Your Existing Advisory Firm Clients?

    Michael Kitces
    26 Feb 2015 | 4:01 am
    Many readers of this blog contact me directly with questions and comments. While often the responses are very specific to a particular circumstance, occasionally the subject matter is general enough that it might be of interest to others as well. Accordingly, I will occasionally post a new "MailBag" article, presenting the question or comment (on a strictly anonymous basis!) and my response, in the hopes that the discussion may be useful food for thought. In this week's MailBag, we look at the issues to consider if you want to change where you live, but are concerned about whether the…
  • The Problem With Naming A Trust As The Beneficiary Of An Annuity, And Using A Beneficiary Designation With Restricted Payout Form As An Alternative

    Michael Kitces
    25 Feb 2015 | 4:01 am
    Retirement accounts and annuities used as accumulation vehicles can create significant tax-deferred account balances over time, with the caveat that eventually the tax bill must still come due. If the accounts are liquidated during life, the account owner faces the tax consequences; if the accounts are held until death, the tax liability falls to the beneficiaries instead. To help ameliorate the potential for a large liquidation to thrust the beneficiary into higher tax brackets after the death of the owner, Congress created the “stretch” rules for retirement accounts and annuities that…
  • Takeaways From The T3 Advisor Technology Conference: PFM Portals, Dashboards, And Robo-Advisor-For-Advisors Platforms

    Michael Kitces
    23 Feb 2015 | 4:01 am
    Celebrating its 10th year as an event, this year’s Technology Tools for Today (T3) advisor technology conference was the biggest ever, punctuated by a stream of major product launch announcements at the conference itself, and buzzing about the literally billions of dollars of merger and acquisition activity for advisor technology firms in the two weeks leading up to the conference. The breakout categories at this year’s event included several new “Personal Financial Management” (PFM) tools for advisors to work collaboratively with their clients, including the launch of EMX Select from…
  • Weekend Reading for Financial Planners (Feb 21-22)

    Michael Kitces
    20 Feb 2015 | 12:01 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with two big news announcements, including a new $60M round of venture capital for robo-advisor Betterment that will be used in part to build out its robo-advisor-for-advisors solution Betterment Institutional (with a reported 90 RIAs already using the platform), and a detailed review of Form ADV for the new Schwab Intelligent Portfolios "robo" solution as well that reveals the platform will only be "free" because its 30bps management fee will be covered by the profits Schwab makes on its…
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    Epic Finances - Investment Blog

  • Why Index Investing is an excellent investing strategy

    Carmello
    25 Feb 2015 | 4:01 pm
    Index funds, at their most basic, are mutual funds that copy a specific market. For example, some index funds copy the US stock market, others the US bond market and some copy the international stock markets. There are quite a few different index funds tracking different markets all over the world but they all have the same basic goal; match their return to that particular market. While some might believe that index investing, which is a type of passive investing, only allows someone to achieve average returns, the fact is that index investing has been shown to outperform many active…
  • Top Reasons to Choose an Accounting Career

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

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

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

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

  • In the Practice of Her Calling

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

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

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

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

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

  • How to save Money on your Car Insurance

    admin
    21 Feb 2015 | 1:22 pm
    The cost of car insurance has risen slightly in recent times, and this may come as a surprise to some motorists in Europe and the UK. It may also cause considerable consternation, as rising insurance premiums can hit consumers hard and force them to spread their disposable income further than it can comfortably stretch. Even if you can cope with an increase in your monthly financial outlay, it is important to make provisions and attempt to reduce costs where possible.   3 Ways to cut the cost of Car Insurance   With this in mind, what proactive and practical steps can you take to…
  • Can Car Leasing help you to free some Cash?

    admin
    19 Feb 2015 | 1:20 pm
    Thanks to increasingly affordable fuel and an improving economy, the new car sales market has grown at a considerable rate in the last eighteen months. This is also represents a global trend, with growth in the U.S. matched by the UK and Europe.   While buying a new car may be increasingly accessible for citizens, however, it does not mean that this is necessarily the best course of action for every single set of circumstances. For those with an average income and a lack of permanent job security, leasing a vehicle can be far more cost-effective.   How does Car Leasing help you to…
  • Where to Source a Used Vehicle for Business Purposes

    admin
    17 Feb 2015 | 1:19 pm
    The state of the economy is likely to serve as a key battle ground in the upcoming general election, with the Conservatives holding a distinct edge due to their sterling work in the last two years. From austerity to widespread growth, the coalition government has created a prosperous economy where small and medium sized businesses can thrive over a prolonged period of time. While businesses can look forward to a successful future should the Conservative party be re-elected, however, they will still need to be proactive and look to reduce costs where possible.   Where to Source a Used…
  • Which Financial Marketplace and Investments should you consider in 2015?

    admin
    16 Feb 2015 | 12:07 pm
    We live in an age of innovation, where it is easier than ever for ambitious individuals to achieve their financial and commercial dreams. Take the field of financial investment, for example, where the development of remote trading platforms has removed many of the barriers to entry that once surrounded the marketplace. This has created an environment where traders can access their chosen products and market in real-time, and dramatically the role of brokers from active middle-men to behind the scenes facilitators. The Best Investments and Financial Markets in 2015 With this in mind, the main…
  • The Benefits of Building Societies over Banks

    admin
    8 Feb 2015 | 12:27 pm
    While banks dominate the financial landscape in nations throughout the world, there are prominent alternatives when it comes to saving money and securing loans. One of the most reputable is provided by building societies (or savings and loan associations in the U.S.), which differ from traditional banks in that they are not privately owned and are mutual institution where customers’ have specific rights to action and receive information. This type of institution has become increasingly popular in the wake of the great recession, during which time banks have suffered considerable damage to…
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    Zoho Blogs

  • Fight Churn and Save Recurring Revenue: Dunning Management to the Rescue!

    Krupa Subramanian
    26 Feb 2015 | 8:11 am
    Your customers love your service. They use it every day. You have been charging their credit card each month for the services they consume. Let’s assume that one of your customers’ payment failed. Now, what do you do in this situation? It is unfair to cancel their subscription just because their card didn’t go through. You also cannot afford to forget the charges. You might be thinking, why can’t I just follow up with that customer? Sure, that sounds like a good option when you only have one payment failure to deal with. But, what happens when your customer base grows…
  • 3 Ways “User Roles” can save you a lot of trouble

    Venkata Subramanian
    25 Feb 2015 | 5:44 am
    When Roger had his living room remodeled, he handed the key to his house to the crew after locking all other rooms because he didn’t want them snooping around. Now, think why you should grant all your staff access to your accounting software in its entirety, when you only want them to handle a part of it It’s not possible for a single person to perform all the functions concerned with business like setting budgets, accounting, well, at least not efficiently. It’s key that these functions are delegated to bookkeepers, accountants, sales staff, and contract workers and…
  • Grow your subscriber base with sign-up forms in Zoho ​Campaigns

    Sharanya R
    19 Feb 2015 | 7:18 am
    Ask any email marketing expert and they’ll tell you this: the success of your email marketing campaign depends on the health of your mailing list. The reasons are simple. It’s your subscribers who have chosen to receive your content. It’s also your subscribers who later become your customers and generate revenue for you. That’s why it’s important that you keep growing your subscriber base. There’s another reason as well. It’s said that mailing lists degrade about 22% every year. Some people change their email addresses, others move companies and a few others opt-out of your…
  • Ride on Cupid’s popularity to give your business a boost

    Venkata Subramanian
    13 Feb 2015 | 6:30 am
    When it comes to the annual gift ​splurge, Valentine’s Day is just shy of Christmas. And technically it’s not even a ​holiday! According to the National Retail Federation​this Valentine’s Day will bring in an estimated revenue of $19 billion for businesses. With wallets wide open this season, it’s time to saddle up and make the most of this romantic season​ ​Give these tips a shot and let the V-Day buzz do the rest to up your game this festive season. Discounts are dandy but you can’t bank on them If you are are going to compete with Walmart and Target,…
  • Zoho Reports 3.0 is Here

    Arvind
    12 Feb 2015 | 1:51 am
    We are excited to announce the all-new Zoho Reports 3.0, with a sleek new interface and loads of new features. New UI The user interface has been completely revamped. Zoho Reports 3.0 offers an enhanced user experience, designed for power users and beginners alike, to quickly and easily create fabulous reports. New connectors We are also announcing the availability of new data connectors for the following popular business applications, including: Google Analytics Salesforce ManageEngine ServiceDesk Plus This adds to an already robust set of data connectors that Zoho Reports already supports,…
 
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    Money Estate - Personal Finance Tips Blog

  • Use These Tips to Reduce Personal Debt

    Money Advisor
    26 Feb 2015 | 9:54 pm
    Each year, countless personal money managers use the first quarter to assess their finances. The New Year represents a fresh start, so January, February and March lend themselves to financial health checks, which can be quite revealing. Unfortunately it isn’t always good news, especially considering the season. Christmas spending comes due during the first quarter, […]
  • Relocating your Business Venture to London: The Pros and Cons

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

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

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

    Aira
    21 Mar 2014 | 1:18 am
    So much of our time is now spent online. From work, to social networking, entertainment and shopping. With virtually almost everything being done online now it’s easy for the things that we do off-line to pushed to the side and even forgotten. The trick is figuring out how to integrate all of those tasks to […]
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    Cult Of Money

  • How to Reach Financial Freedom Just a Little Bit Faster

    Robert Farrington
    27 Feb 2015 | 12:15 am
    When talking about goals financial freedom is that all elusive point everyone wants to hit. In a gist, financial freedom is the point you reach when you no longer have to work for money. It can mean a variety of things to different people. Some want to hit the point where they can quit a soul sucking day job and instead work on projects that matter to them. Other people love their jobs and just want the security that comes with working because they want to and not because they have to. And for others financial freedom is important so they can quit work altogether and instead spend their days…
  • Should I Buy a House?

    Alexa Mason
    25 Feb 2015 | 12:15 am
    I’ve thought in the past that getting a mortgage now-a-days would be painstakingly hard. After the 2008 housing crash banks supposedly tightened up their belts and were being super careful in their lending practices. And then my new husband and I (boy does the feel weird to say) got a once in a lifetime opportunity on a house. The Original Plan….. We made plans to save up a very large down payment for a house by the end of 2017. Since our current house is more than half way paid off we’d have around $40,000 from the proceeds of that sale and we also wanted to save at least another…
  • How to Budget Irregular Income

    Alexa Mason
    18 Feb 2015 | 12:15 am
    One thing that stops many people from taking the plunge into self-employment is irregular income. It can seem scary to have money coming in sporadically rather than the same amount week after week. However, budgeting for irregular income really isn’t that difficult. Here’s two different ways you can do it depending on the consistency of your current take home pay. List Your Last Six Months’ Worth of Net Pay Before you take the leap into self-employment I would highly suggest that you start on the side. You need to be able to see what kind of potential your business has and you need to…
  • How to Save a Ton of Money on Clothes

    Karl
    16 Feb 2015 | 12:15 am
    For some people food isn’t the biggest budget buster, clothes are. I went through a period where I bought more clothes than I’d actually wear and spent too much money in the process. Luckily that didn’t last too long. Now I keep my wardrobe at a minimum and look for ways to save when I do buy something new. Here’s how to save a ton of money on clothes. Shop Second Hand By shopping second hand you can normally find higher quality clothes at a cheaper price. You can check thrift stores, consignment shops, yard sales, and even online consignment shops. The downside to buying second hand…
  • Six Financial Lessons I Learned in My Twenties

    Robert Farrington
    10 Feb 2015 | 12:36 pm
     My twenties are quickly coming to an end. It’s hard to think that I’ll be thirty soon but the truth is that day is right around the corner. Looking back over the last ten years there were many things I did right and a lot of things I did wrong! These are the six most important things that I’ve learned about money in my twenties. Money is a Tool – Nothing More, Nothing Less The most important thing I’ve learned over the past ten years is that money is simply a tool. It’s nothing more it’s nothing less. Having money isn’t what makes you happy. However, managing your money in a…
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    PFhub - Business, Financial & Economic News

  • The Reason Behind Apple’s Increasing Scope On Israel

    Kaitlin Longmire
    27 Feb 2015 | 6:36 pm
    Apple Inc. is known all over the world as an American brand. Surely, the company has dug deep roots in the US and still boasts the “Designed in California” slogan at the back of all its gadgets. However, now the company seems to be shifting its focus on Israel as its home base, leaving US […]The post The Reason Behind Apple’s Increasing Scope On Israel appeared first on PFhub - Business, Financial & Economic News.
  • Restructured: One Executive To Manage Google In Europe

    Jesse Herman
    27 Feb 2015 | 6:23 pm
    In recent times, Google Inc. has come under a lot of pressure by the European Union and European courts, both of which have been disrupting the “freedom to access the internet” policy that Google has been building up on ever since its inception in 1998. However, now the company seems to be on track to […]The post Restructured: One Executive To Manage Google In Europe appeared first on PFhub - Business, Financial & Economic News.
  • IRS Issues Refunds to 40 Million People Totalling $125 billion

    Andrew Moran
    27 Feb 2015 | 12:36 pm
    With only one month into the tax filing season, the Internal Revenue Service (IRS) has already issued tax refunds to more than 40 million people worth a total of about $125 billion, not bad for a tax-collecting agency that has experienced budget cuts and limited tax examiners. The IRS said in a news release Thursday […]The post IRS Issues Refunds to 40 Million People Totalling $125 billion appeared first on PFhub - Business, Financial & Economic News.
  • Apple Inc. Under Fire Over Multiple Patent Infringements

    Kaitlin Longmire
    27 Feb 2015 | 12:32 pm
    Apple is no stranger to the court, and mostly it’s there because of alleged patent infringements. This time, though, the case is different, as the case is much bigger than what Apple has faced this year. Ericsson, a Swedish company dealing in telecom, has sued Apple for the infringement of over 41 patents that the […]The post Apple Inc. Under Fire Over Multiple Patent Infringements appeared first on PFhub - Business, Financial & Economic News.
  • Controversial ‘Baby Boxes’ May Begin Popping Up Soon

    Danielle Dafforn
    27 Feb 2015 | 12:06 pm
    In order to protect baby abandonment and death, the Indiana State Legislature has approved a new bill that would allow hospitals, police and fire stations, churches and select non-profit organizations to install a two-foot-long metal incubator that some are referring to as “baby boxes.” This so-called latest weapon would give parents the opportunity to surrender […]The post Controversial ‘Baby Boxes’ May Begin Popping Up Soon appeared first on PFhub - Business, Financial & Economic News.
 
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    Wealthy Turtle

  • Costco Gas Hours and FAQs

    Mike Collins
    27 Feb 2015 | 4:36 pm
    Are you looking to save money on gas without sacrificing quality?  Look no further than Costco. Costco gas stations sell a high quality gas blend that meets top tier standards, and you don’t even need to be a member to take advantage of their excellent prices (more on that in a minute).  Of course if you do want to buy your gas at Costco you have to remember that not all locations have gas stations, and obviously you’ll need to know Costco gas hours so you don’t show up when they’re closed. What Are Costco Gas Hours? I know this is pretty frustrating but Costco gas hours vary from…
  • 7 Things I Learned Watching Honeymooners Re-runs

    Mike Collins
    25 Feb 2015 | 3:03 am
    The Honeymooners is my all-time favorite television show.  I’ve seen each episode dozens of times and yet I still laugh out loud when I watch it.  The misadventures of the Kramdens and the Nortons is classic television at its best. But if you look past all the jokes and gags there are some valuable lessons to be learned… 1. Get rich quick schemes don’t work. Ralph Kramden is always looking for a way to improve his station in life.  But instead of saving up his money and making smart investment choices, he simply bounces from one get rich quick scheme to the next.  He…
  • Verizon Promo Code – Updated February 2015

    Mike Collins
    22 Feb 2015 | 1:36 pm
    On this page we share links to all of the Verizon promo codes and special offers we can find.  We scour the web and get most of our deals directly from Verizon themselves and then list them here in one place so you can save some money.  Taking advantage of Verizon FiOS promotional codes is a smart idea that any savvy shopper can appreciate. Too busy to read?  Click here to see the best current deal with no Verizon promo code required! Verizon always has a number of different promotions going on at any given time and they tend to change pretty often, so if you’re considering switching…
  • 20 Ways to Save Money on Groceries

    Mike Collins
    19 Feb 2015 | 3:58 am
    Do you spend too much money at the supermarket?   Looking to learn how to save money on groceries? Well you’re in the right place!  There are lots of ways to cut grocery costs, as you’re about to see.  Now don’t get overwhelmed by all the savings plans you’ll read about.  You don’t have to use them all at once.  Instead, start off with a few of the easier ways to save on groceries and then add more a little at a time.  Before long you’ll be saving a fortune! 1.  Always use a list. Using a list is one of the easiest ways to start saving money on groceries.   If you…
  • Is Walmart Open Today?

    Mike Collins
    18 Feb 2015 | 4:57 am
    Is Walmart open today?  In a word: yes.  In fact, Walmart is open just about every day of the year. Is Walmart open on Christmas Eve?  Oh yes, that’s one of the biggest shopping days of the year!  But Walmart typically closes early on Christmas Eve (usually 8:00 PM) so make sure you get to the store early if you have any last minute shopping to do. Is Walmart open on Christmas?  Nope, I’m afraid that’s the one day in the entire year that Walmart is not open.  The store is closed Christmas Day every year, but Walmart is open on Christmas Eve. Is Walmart open on…
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    Bank On Yourself

  • Can you Roll Over your 401(k) or IRA into a Bank On Yourself Plan?

    Pamela Yellen
    20 Feb 2015 | 9:40 am
    One of the most-asked questions we got on last week’s “Ask a Bank On Yourself Advisor” live online event was… “Can I roll over funds from my 401(k)/IRA/403(b)/TSA into a Bank On Yourself plan – and what are the tax consequences?” This is actually a common method people use to fund a Bank On Yourself plan. Here’s how a retirement plan rollover works… Any time you’re funding a tax-deferred plan – like a 401(k), IRA, 403(b) or TSA – you will pay taxes on your withdrawals. There’s no getting around that. But if you haven’t…
  • How Sequence of Return Risk Can Devastate Your Retirement Lifestyle

    Pamela Yellen
    29 Jan 2015 | 8:41 am
    There are three words that could have the biggest impact on whether you enjoy a comfortable retirement… or you have to struggle and forego life’s luxuries – and even life’s necessities. But almost no one is talking about these three words. And there’s a good chance you’ve never even heard of them. These three words could have more impact on your retirement lifestyle than living longer than you expected… or than being forced to retire sooner than you planned (which happens to nearly 50% of Americans, according to the Employee Benefit Research Institute).
  • Slacker’s Guide to Goal Setting

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

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

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

  • Hacks and Swaps to Save You Major Cash in 30 Days

    alissaharb
    27 Feb 2015 | 2:00 am
    It’s no secret that small indulgences in your day-to-day add up to a hefty bottom line when all is said and done. Here are seven “extras” you can easily ditch (or swap) for four weeks—and what you can easily buy with that chunk of change you’ve saved up at the end of the month.
  • Fix and Flip or Buy and Hold? 8 Questions to Help You Decide

    alissaharb
    26 Feb 2015 | 2:00 am
    Should you fix and flip that investment property—or buy and hold? That is the question. Unfortunately, the answer is sometimes less obvious than most of us would like it to be. When it comes to deciding which type of real estate investing is “better,” there’s no one-size-fits-all solution. That’s the bad news. The good news is that there is an answer to this question that’s specifically right for you. Ask yourself these eight questions to figure out whether you’re better off flipping your investment property or holding on to it for the long haul. Question #1: Do you need the…
  • Tax Season Tips: Small Business Deductions Not to Miss

    alissaharb
    25 Feb 2015 | 2:00 am
    One of the keys to maximizing the profit potential of your small business—even one that isn’t ready to make a lot of money yet—is to reduce your income taxes. Depending on how your company is structured, you have an opportunity to take advantage of a wide variety of business tax deductions. What is a Business Tax Write Off or Deduction? When you write off a business expense, it doesn’t mean you deduct that amount from your tax liability. It means that you don’t pay taxes on this amount (if you owe taxes). For example, if your small business generates $25,000 in sales and you have…
  • Psychology and Marketing: How Does Marketing Affect Your Brain?

    alissaharb
    24 Feb 2015 | 2:00 am
    As consumers, we’re aware that we’re constantly being marketed to—sure. But to what extent is consumer behavior actually controlled by marketing efforts? This study, published in The Journal of Personality and Social Psychology, suggests that we may be influenced much more than we realize.
  • Deals on Dining Out: Top Apps for Saving Money

    alissaharb
    23 Feb 2015 | 10:34 am
 
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    Investment Fraud Attorneys | Hermann, Cahn & Schneider, LLP

  • How to File a Loss Deduction on Your Income Taxes if you were the Victim of Investment Fraud

    Stock Market Loss
    17 Feb 2015 | 8:34 am
    This article was originally posted on Stock Market Loss Unfortunately, investment frauds and Ponzi schemes are on the rise in this country.  In times of economic hardship, these conspiracies often victimize the most vulnerable in our society. However, as the federal income tax deadline looms, victims of investment fraud may be able to deduct their losses from their yearly tax bill owed to the Unites States government. Theft Loss Deduction The Internal Revenue Service allows tax deductions for casualty or theft loss related to your home and items within the home on your federal income tax…
  • HC&S Partner Hugh Berkson Quoted in National Press Regarding FINRA’s Biased Arbitrator Pool

    Jay Salamon
    5 Feb 2015 | 3:12 pm
    This article was originally posted on Stock Market Loss An article in Barron’s last week entitled “The Street’s Due-Process Joke” reports that investors who sue their brokers must accept an arbitration process run by officials appointed in an inscrutable manner. The author describes FINRA as a “a secretive, combative, industry-controlled, self-regulatory organization” and notes that some accuse FINRA of having a biased arbitrator pool selected through a secretive process. Our partner Hugh Berkson, Executive VP and President-Elect of the Public Investors Arbitration Bar…
  • HC&S Partner Hugh D. Berkson Selected to Serve as Executive Vice-President and President-Elect of the Public Investors Arbitration Bar Association

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

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

    Jay Salamon
    15 Dec 2014 | 7:59 am
    This article was originally posted on Stock Market Loss The Financial Industry Regulatory Association (FINRA), a self-regulatory organization created and funded by the brokerage industry, wields powers ceded to it by its benevolent overseer, the Securities and Exchange Commission. One way the industry regulates itself is to have FINRA operate a mandatory dispute resolution system by which aggrieved investors are prohibited from suing brokers in a real court with judges, juries, and rules of evidence and procedure. Brokerage customers instead must arbitrate their claims in accordance with…
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    DINKS Finance

  • Weekly Roundup: Winter, March and Money

    Kristina
    27 Feb 2015 | 5:38 am
    Good morning Dinks.  How are you spending the last weekend in February?  Nick and I are staying in warm and cozy with Netflix.  We took an extra long weekend away last week so this weekend we’re just laying low and catching up on things around the apartment. Enjoy your weekend and enjoy these posts we love: Money Talks News – Best and Worst Things to Buy in March Money Propeller – The Cost of Living in Winter Young and Thrifty – Housekeeper or no housekeeper? The Simple Dollar – This One Move Can Save You $1000 Financial Samurai – Does Remodeling Pay…
  • Do you need an assistant?

    Kristina
    26 Feb 2015 | 2:02 am
    Good morning Dinks.  Let me ask you a question, do you have an assistant? The reason I’m asking is because it seems like the topic of assistants is in the air this week.  I went to my chiropractor on Monday for my monthly visit and there was a new girl working in the office who he introduced as his assistant.  Then on Wednesday one of my freelance employers missed a meeting because he didn’t keep proper track of his schedule.  And there you have it one of the men in my life hired a new assistant and the other needs to hire one. An assistant can be worth the cost When my…
  • Money Only Gets Better with Age

    Kristina
    24 Feb 2015 | 9:15 pm
    Sponsored by Edelman Financial Services Let me ask you a question, do you think your money life is better now than it was 10 years ago?  20 years ago?  30 years ago?  I can definitely answer yes.  My boyfriend Nick and I have both come a long way in how we make and manage our money over the last 20 years and I’m proud to say we’ve been doing it together (learning how to be financially responsible) for 15 of those 20 years. I look back on our money life and I think, “My, my how it’s changed.”  I can only imagine what my money life will be like in another 30…
  • How to book the perfect hotel room

    Kristina
    23 Feb 2015 | 2:00 am
    Good morning Dinks.  It’s the end of February and that means it’s the time of the year when I get restless.  I’m over the snowy Northeast and I long for the sun to come out and shine down on me in all its warmth and glory. Normally this time of the year I would book a road trip to NYC or Boston (the two closest major U.S cities to where I live) but my friends south of the border are getting so much snow this year it’s probably better I don’t chance it. Instead I’ve decided to travel 4.5 hours by train from Montreal to Toronto.  A nice extra long weekend…
  • Weekly Roundup: Just another Friday in February

    Kristina
    20 Feb 2015 | 2:00 am
      Good morning Dinks.  Happy Friday.  Let me ask you, what’s going on this weekend.  President’s Day is over, Valentine’s Day is over and now it’s just another cold February Friday. How are you spending your weekends? Enjoy these posts from our friends: Couple Money – Which Debt Payoff Method Is Right for You? Wise Bread – Simple Ways to Become a Millionaire Empowered Dollar – Kick butt with your money goals in just 30 minutes Savvy Working Gal – How Much Should a Couple Spend on Groceries Each Month? CESI – 10 Ways to Improve Your…
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    rVoice | rplan

  • The 5 Investment Books Everyone Should Read

    23 Feb 2015 | 8:32 am
    There’s no single right way to invest: different approaches suit different people and different circumstances. But before you can work out which approach is right for you, it’s important to think about all the options – to get to grips with the basic debates in investment and where you stand on them. In the age of the internet, it’s easy to assume that every last bit of information you need is online. But some of the most engaging and enduring advice on investment is to be found in books published well before the web came along. Here’s five all-time classics that will give you the
  • Your NISA Allowance and What You Can Do With It

    20 Feb 2015 | 7:52 am
    Approximately 6 months ago, we posted a notification on our blog about the new changes to ISAs, or NISAs as they are now commonly referred to. You can view the original post here. The most noticeable change to the ISA was the substantial increase of the allowance from £11,880 to £15,000, giving savers the chance to boost the growth on their Cash ISA and Stocks & Shares ISAs. However, you may not have noticed NISAs' newly-found flexibility. So here’s a reminder of the changes, so you can make the most of your savings before tax year end, 5th April 2015. No limits on Cash ISA
  • Your Relationship with Money

    16 Feb 2015 | 6:56 am
    Money! We love it, we hate it and we certainly can’t live without it. We all have our own quirks and habits when it comes to money. Some of us hide it under floorboards, or spend it lavishly on the things and lifestyle we want, while others pride themselves on spending only on the best bargain rates. So how do we know if we have a good relationship with our money? Are we making the right decisions? I have put together some money persona profiles together to help you figure out your relationship type and ways to improve it. The Big Spender You live entirely in the moment,
  • Risk Made Simple

    4 Feb 2015 | 8:18 am
    Risk is one of those words that gets used a great deal in investment. But while it’s a fundamental consideration in every decision investors make, how many of us actually know what it means? Are we talking about the possibility of losing all our money, or just some of it? Over what sort of period? And how do we compare the risks posed by two different investment opportunities? Only if you can answer those sort of questions can you make rational decisions about where to allocate your money. What is Risk? Think of risk as one side of the investment coin, with reward on the other
  • Why women make better investors – and what men can learn from them

    26 Jan 2015 | 3:08 am
    The world’s best-known investment gurus may be men – think Warren Buffett or the UK’s own Anthony Bolton – but all the evidence suggests they are the exception rather than the rule. Countless studies have shown that all other things being equal, women tend to make better investors than men. The best known research of all, conducted by the US academics Brad Barber and Terrance Odean, looked at 35,000 customers of one the world’s biggest stockbrokers. Published in 2001, the study concluded that the female investors in the sample were streets ahead of their male counterparts,
 
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    Wallet Hub

  • Valentine’s Day By The Numbers

    John S Kiernan
    12 Feb 2015 | 11:00 pm
    Posted by: John S Kiernan Valentine’s Day is the third largest consumer holiday in the United States by amount spent, with the roughly $19 billion we shell out in Cupid’s name each year coming in just behind the $20 billion spent on Mother’s Day and the $602 billion we devote to the winter holidays. So, whether you love or hate this holiday (or if you even think it’s a holiday to begin with), there is no denying the role of St. Valentine on our nation’s economy. With that in mind and to help people embrace that loving feeling in a manner that’s safe for their wallets, the personal…
  • Major League Bullies: Teams Seek Hypocritical Trademark Ruling

    Odysseas Papadimitriou
    9 Feb 2015 | 3:08 am
    Posted by: Odysseas Papadimitriou Can a Major League Baseball team own the alphabet?  MLB seems to think so, as it has been on a two year mission to block WalletHub’s application for this trademark:.  Why would a professional sports league care about the logo of a financial services company, you might ask? Good question.  The league alleges that WalletHub’s logo could easily be confused with the registered trademarks of the Washington Nationals and the Chicago Cubs.  But aside from the fact that none of their marks look anything like the WalletHub logo(and very few people would…
  • Super Bowl XLIX By The Numbers

    John S Kiernan
    25 Jan 2015 | 4:13 pm
    Posted by: John S Kiernan The Super Bowl is a game of numbers, from the Roman Numerals that denote each contest to the millions of people and billions of dollars that are engrossed in it each year. Given the societal importance of the Big Game, the emphasis it places on social media, and the fact that it's a global symbol of capitalistic extravagance, it only makes sense for WalletHub – the first social network built from the ground up around personal finance – to audit the figures that make the game tick. That’s exactly what we did, and you can check out the resulting Super Bowl XLIX…
  • ABLE Accounts Offer A New Choice For The Disabled

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

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

  • The Problem With Private Student Loan Repayment Options

    Jeffrey Trull
    23 Feb 2015 | 8:51 pm
    We’ve covered a lot of options for repaying federal student loans. But you might be wondering: “What about private student loan repayment options?” It’s not that private student loans aren’t common. In 2007-08, the volume of private student loans issued peaked at $18.1 billion. Plus, recent statistics estimate that private student loans issued in 2012-13 totaled […]
  • Student Loan Collections: What It Means and How To Get Out

    Jeffrey Trull
    18 Feb 2015 | 8:35 pm
    Ending up in student loan collections is like the “penalty box” of student loans. To get there, you’ve done something wrong, and now you’ll have to face the consequences. Typically, you have ended up in student loan collections because you haven’t made payments on your student loans for an extended period. If you thought that […]
  • Top Tools For Filing Your Taxes

    Jeffrey Trull
    17 Feb 2015 | 8:22 am
    I’ve heard a lot of stories over the years from friends about how they find taxes so confusing, but one story tops them all. One year, a friend of mine called the day before tax day and explained frantically, “I’m filling in the tax forms I printed out, but I’m having trouble making the calculations […]
  • How to Work Together To Pay Off Student Loans

    Melanie Lockert
    11 Feb 2015 | 6:01 pm
    As Valentine’s Day approaches, many couples are making plans to celebrate their love and commitment with lavish dinners, red roses, and teddy bears. While I’m never opposed to celebrating love, I find that there is an even more important issue looming in the background — one that can make or break your relationship — and […]
  • Avoid 99% of Money Fights With Your Spouse Using These Tips

    Jeffrey Trull
    10 Feb 2015 | 7:35 am
    The number of things partners can fight about seems endless. From chores to kids to what’s for dinner, the list goes on. But it turns out that fights over one topic in particular—money—could be linked directly to divorce rates. One study found that the more frequently partners fought about money, the higher their risk of […]
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    Everyday Financial Strategies

  • Budget like the government and you will end up broke

    Robert
    16 Feb 2015 | 3:15 pm
    Do you believe in the new budget President Obama recently proposed? Does that say something about how you budget your money? If you budget your money how the President plans to do so, then you will end up broke. The President proposed an increase in government spending by 7% ($74 billion) over caps agreed to by both Republicans and Democrats in the deficit-reduction deal from three years ago. Obama stated that recent economic growth (anemic) and national-security issues are reasons to exceed the caps. Straight from the horse’s mouth: “If Congress rejects my plan and refuses to…
  • 5 Reasons Why Households Don’t Have an Emergency Fund

    Robert
    2 Feb 2015 | 4:51 am
    Over the past year, I have counseled and guided singles and families with their personal finances. Most of them have goals they present to me at our first coaching session. The most common goals include getting out of debt, retirement funding, and college funding. However, it is very rare that I have a client that has a goal to fund and emergency fund. Why is that? Proverbs 21:20 states, “In the house of the wise are stores of choice food and oil but a foolish man devours all he has.” In the world of personal finance, an emergency fund means exactly how it is worded. It is a…
  • To people who want to retire comfortably

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

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

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

  • Modest Money’s LendingTree Review

    Adam
    27 Feb 2015 | 6:15 am
    If you have been an adult long enough to own a house or a car, chances are the interest rate you received on your loan isn’t as low as one you could receive today. Unfortunately, the best loans in recent history are behind us and unlikely to be seen again within our lifetimes. But this doesn’t mean that the rate you could get now isn’t better than the one you have. Despite this fact (and despite the huge savings a lower rate would lock in), many people just haven’t refinanced yet. The reason? It’s easier not to. Check out the Low Interest Rates at LendingTreeGet your low interest…
  • What You Need to Know About Multi-Level Marketing

    Adam
    26 Feb 2015 | 6:15 am
    Chances are you know someone who is involved in multi-level marketing, or network marketing as it is also known. Perhaps you’ve been approached about getting involved in such a business. The potential rewards are enticing. It’s a chance to become your own boss, leave a dead-end job, work from home, and tap into a seemingly limitless flow of income. Simply buy products wholesale and sell them to friends, acquaintances, and eventually strangers at a profit. Sounds pretty simple. However, multi-level and network marketing are called something else by their critics: a pyramid scheme. That’s…
  • Most Influential Real Estate Agencies in New York

    Adam
    25 Feb 2015 | 6:15 am
    When clients search for real estate in New York they want to work with the agencies who not only have the most listings, but influence as well. Seasoned buyers know the right time to purchase a home or investment property is when they are working with the best agency. Yet, buying and selling in New York City offers even more of a challenge, the large amount of properties available, the wide selection and the rapidly changing neighborhoods means buyers and sellers need the expertise of trained agents when navigating the realty waters. This great list of the top 5 agencies within New York will…
  • Re-launching Your New Year’s Resolutions – Step 1: Be Money Conscious

    Adam
    24 Feb 2015 | 6:15 am
    This is a guest post by David Auten and John Schneider from DebtFreeGuys.com. Every year two goals top the lists of New Year’s Resolutionists, get healthy and get out of debt. Whatever the reasons, stress, laziness, financial duress or any other, these two goals appear time and again on your list every 12 months. Why do your good intentions drift away by mid-January as certain as the tide rolls out twice a day? Getting financially healthy, as with physically healthy, requires both mental and physical habits. If you can’t remember the last time you hit the gym and then strap on your…
  • So You’ve Decided to Choose a Domain Name…

    Adam
    23 Feb 2015 | 6:15 am
    As you may well know, there are a lot of websites out there; hundreds of millions in fact. Is it possible that there is space for you and the brand new website you’ve always wanted? Absolutely. But first, let’s make sure you’ve got a divergent and unforgettable name, one that won’t be confused with the already mentioned millions of competing domains in the World Wide Web. There isn’t a precise set of rules that are correct and steadfast, however it’s worth becoming familiar with some of these tips that may well end up working for you. Think outside the box Did you even know…
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    Take A Smart Step

  • Small Business Tax Deductions

    Andrea
    24 Feb 2015 | 12:00 am
    It is that time of year again where we all have taxes on our minds.  One of the most frequent questions that I get around taxes is what exactly can I deduct? A few things pop into my mind when I think about small business tax deductions.  Since they really don’t have a “theme” to them this is going to be a generic small business deductions chat. This Topic Sucks Yes you read that right this is the un-fun, boring, dreary part of running a business.  There is simply no way for me to spice this up, although I will try in one of the topics below! With that said, it is…
  • Your Problem is Not Lack of Financial Education

    Andrea
    10 Feb 2015 | 6:20 am
      Financial education- we all know we need more, we don’t teach it and education is the key to having financially wise people. I am here to say – bullshit!   Financial education is every where- trust me I have been trying to compete in this space for 8 years now.   Education is not our problem.   Lack of self responsibility and taking action is our problem.   Your finances are a mess not because you can’t find information on them but because you are not ready to own the fact that you are the reason they are not working and that you are the one who…
  • Morning Ritual for Mom Entrepreneurs

    Andrea
    3 Feb 2015 | 12:02 pm
    Every entrepreneur wants to find ways that can improve their effectiveness and keep themselves sane. One such way to do this, and is currently a very popular topic, is the morning ritual. I am a big fan of the morning ritual.  It is the reason I can function in the morning! However, there is one thing that most of the people talking about the morning ritual skips right over. And that is how a mom entrepreneur, especially if the kids are elementary age or younger, can actually manage to pull off a ritual on a regular basis. The standard advice is that you just need to wake up early, but every…
  • Four Steps to Ensure You Achieve Your Resolutions

    Andrea
    27 Jan 2015 | 10:04 am
    As we find ourselves at the end of January (seriously where did it go, I just finished Christmas!), you may find yourself wondering if you will be able to tackle those goals and resolutions that you set for yourself. This is the time where the motivation starts to slip and we begin to slide back into our regular routine. The problem with this is your business and personal finances could really the attention that your resolution was going to provide. It is all too easy to let our finances slip behind in priority again – after all we have plenty of time to get around to them!  And there…
  • What Warren Buffett’s Investing Advice Can Teach You About Business

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

  • A Crash Course in Auto Accident Liability

    Advisor Voices
    27 Feb 2015 | 7:53 am
    By Raphael Locsin Learn more about Raphael on NerdWallet’s Ask an Advisor Accidents have been inevitable ever since the invention of automobiles. Also inevitable are the never-ending legal disputes over who is responsible for damages. Two different approaches have emerged to deal with auto accidents: no-fault insurance and liability litigation. Drivers who want to register a vehicle should be required to subscribe to a minimum standard of no-fault insurance, but thus far, states have been reluctant to fully enact such a mandate. Nevada and Pennsylvania adopted the scheme but repealed it…
  • Credit Counselor Hefferon: Smiles Are Her Reward

    Cliff Goldstein
    27 Feb 2015 | 6:00 am
    When Sunshine Hefferon answers the phone at work, she doesn’t know what the caller’s mood, motivation or state of mind will be. “I might get someone who’s crying because they’re at wits’ end. I might get someone who’s angry, and I have to remember it’s not about me. “You have to meet each person where they are. I try my best to listen, to validate them.” Hefferon is a financial counselor at GreenPath Debt Solutions’ call center in Farmington Hills, Michigan. When she takes a call, her first goal is to establish a rapport with the caller. That allows her to begin the…
  • FCC Approves Net Neutrality Rules

    Doug Gross
    26 Feb 2015 | 11:48 am
    The Federal Communications Commission on Thursday approved what was hailed as a historic new set of rules for the Internet designed to ensure equal and open access for all. The 3-2 vote in favor of  “net neutrality” gives the commission the ability to police Web access as a public utility, as it has done historically for services like radio, telephone and cable. Under the rules, the service providers who control access to the Web may not ban legal content, block legal traffic or create “fast lanes” that provide faster traffic to some websites than others. “The…
  • Report: Google to Launch ‘Android Pay’

    Doug Gross
    26 Feb 2015 | 6:44 am
    Not satisfied to compete against Apple Pay with its existing Wallet system, Google will launch a new automatic-payments tool called Android Pay,  according to reports Thursday. The system will debut in May at I/O, Google’s conference for developers, a source told tech blog Ars Technica. Android Pay will let companies add a payment option to their mobile apps, allowing users to upload credit or debit card information, according to Ars Technica. Payments through that app would then become a single-tap transaction. Retailers also would be able to add a tap-to-pay feature in their…
  • Credit Counselor Nitzsche: Once Helped, Now He Helps

    Cliff Goldstein
    26 Feb 2015 | 6:00 am
    Like a lot of young adults, Thomas Nitzsche was able to get approved for several credit cards with high spending limits when he was in his early 20s. And like a lot of people, Nitzsche soon found himself buried under a mountain of debt. “I always maintained good credit, but I was facing about $10,000 in combined debt,” Nitzsche says of that stressful period a decade ago. For help, he reached out to a nonprofit consumer credit counseling service in St. Louis. “I spoke with a woman by the name of Cynthia Hampton, who is now retired,” Nitzsche says. “She gave me advice on my budget and…
 
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    The Truth About Credit Cards.com

  • Google to Acquire Softcard Technology, Take on Apple Pay

    Colin Robertson
    26 Feb 2015 | 10:47 am
    Earlier this week, Softcard announced that Google had “acquired some technology and intellectual property” from the company in what sounds like a new effort to take on Apple Pay. While it’s unclear exactly what’s going on, Softcard did mention that it will be shutting down its app and that all Softcard wallets will eventually be [&hellip
  • Get 5% Cash Back on Uber Until the End of March with Discover

    Colin Robertson
    24 Feb 2015 | 9:07 am
    Do you use Uber a lot? Or a similar ridesharing service like Lyft? Well, how about getting some cash back with that? Wouldn’t that be nice? I think it would. I use Uber a lot to get around town because it’s a very convenient and safe option, especially if we’re tying one on that night. [&hellip
  • Discover it Miles Offers Unlimited 3% Cash Back During the First Year

    Colin Robertson
    23 Feb 2015 | 4:32 pm
    Looking for a 3% cash back credit card? Well, you just found one, at least for the first year. After that the story changes. The newly launched “Discover it Miles” is a new iteration of the Discover it card that comes with 1.5 miles on every dollar spent with the card with no limits and [&hellip
  • Chase Ink Commercial Features Kim Jong-un Actor

    Colin Robertson
    12 Feb 2015 | 2:36 pm
    File this one under “kinda funny” and not really relevant to the quality of the Chase Ink card, but still worth mentioning. I might be a little late on this, but I wasn’t aware of it until I saw it with my own eyes yesterday while at the gym (yeah I work out BRO). Anyway, [&hellip
  • The Other Reason Why You Should Rent a Car with a Credit Card

    Colin Robertson
    11 Feb 2015 | 11:04 am
    These days, most folks seem to know that a lot of credit cards provide some form of insurance when used to rent a car. For example, Chase Sapphire Preferred offers primary auto insurance coverage on rental cars via a Collision Damage Waiver. They even say to decline the rental company’s collision coverage and charge the [&hellip
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    PennyMac

  • Information on Your Year End Mortgage Tax Statements

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

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

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

    15 Apr 2014 | 7:11 am
    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.
  • Tax Time - Deducting the Expenses of Owning a Home

    5 Apr 2014 | 10:00 am
    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.
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    Moneycation

  • Advantages of pre-planning interments

    A.W. Berry
    27 Feb 2015 | 6:00 am
    Interments or burial ceremonies come in many shapes and forms, but waiting until the passing on of loved ones to act does not necessarily make good financial sense.Whether it be an underground ossuary, lawn crypt or above ground mausoleum, preparing for the inevitable often gets ignored while planning for the possible does not. To illustrate why advance end of life organization makes sense consider the use of auto insurance. In the U.S., we are all required to own at least liability insurance for the mere potential of an accident, yet far less own burial space despite the 100%…
  • Financial news: February 27, 2015

    A.W. Berry
    27 Feb 2015 | 3:00 am
    • DOL: Consumer inflation fell .1% over the last 12 months• CNN: Each year, $400B in food is wasted by global consumers• NYT: Hedge funds performed poorly in 2014 in comparison to stock indexes• CNBC:  The global economy is weak and demand is low per former Fed Chair• Zero Hedge: Greek tax evasion is a core component behind its debt problem• Bloomberg: More oil companies than expected may default on their debt• MarketWatch: The U.S. dollar index is near record high levels• BI: Top-level domains such as .buy, .tech & .spot cost millions of dollars• Reuters: Japanese…
  • Why time management matters in personal finance

    A.W. Berry
    26 Feb 2015 | 6:00 am
    Time is something many people have a lot of, but little of and what others have little of, but a lot of depending on their work and life situations. In any case, and just as with many endeavors, doing things right takes focus, effort and knowledge among other things. Without these things, the risk of haphazard decision making rises and when lack of certainty and precision is coupled with household finances. So how do people with little time solve this possible problem?Time management is a prerequisite to many things, everyone does things in the same time and life happens in real time…
  • Financial news: February 26, 2015

    A.W. Berry
    26 Feb 2015 | 3:00 am
    • NYT: New Jersey's governor seeks to freeze & restructure public pensions• CNBC: Morgan Stanley to pay DoJ $2.6B to settle securities fraud case• ZH: The Federal Reserve Bank has a lot to worry about if Congress approves its audit• Bloomberg: Fed restructuring is supported by both Democrats & Republicans• CNN: Investment simulation millionaire reveals how outsize risk pays off• DoL: Jobless claims  02/21, 313K, up 31K, average 294.5K, up 11.5K• MW: Americans quizzed about income tax returns scored an average of 51%• BI: Market comparisons with the.com bubble are…
  • The accountant's biggest decision

    A.W. Berry
    25 Feb 2015 | 6:00 am
    One of the biggest career decisions accountants will make takes place early on in their careers when deciding which area within the field of accounting to specialize in. This decision may be a difficult one; it is one that comes without too much duress for most.This decision brings persuasion by a number of factors that determines which accounting career is best for the individual. These factors can be a personal inclination to work closely with or be withdrawn from clients, desire to work in a public or private sector and interest in a career working independently or in an organization.
 
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    LCF on Personal Finance

  • Why you should have an Investment Policy Statement

    ChingFoo Lieu
    24 Feb 2015 | 9:35 pm
    An Investment Policy Statement (IPS) is an integral part of a Financial Plan, but it can be a modular implementation as well. IPS provides the framework for your investment decisions. The IPS ensures that the decision-making process with respect to the management of your money will be consistent, even when unexpected market fluctuations tempt to distract you from your long-term strategy. Investment recommendations will always be made based on the guidelines that agreed upon and outlined in this document. Having said that it is still very important that you review your strategy on a regular…
  • The Definitive Guide to Retirement Readiness in 10 Years or Less

    ChingFoo Lieu
    14 Feb 2015 | 9:47 pm
    From the moment we start working or got into business, retirement planning process has been,  more often than not, intentionally oversimplified so that we don’t get distracted by unnecessary information that might divert or delay accomplishing the most important tasks – such as setting a automated savings”system” to accumulate wealth and increasing financial intelligence. In other words, it is about building a solid foundation of good financial habits. If you have 10 years or less to retirement – now it is time to up the ante because you can literally…
  • The top 3 investing truths I tell my financial planning clients – point blank

    ChingFoo Lieu
    10 Feb 2015 | 2:41 am
    Most of the time, my role as a financial adviser extends beyond what most people think – dealing solely with wealth management. It is not written in the stone, but when it comes to the most important aspect, it is actually to keep emotions from creeping into monetary decisions, especially the investment aspect. If you ask me what the next hot investment trend will be, I will almost always say, “I don’t know.” If you insist on wanting me to agree with you or go against my recommendation (which mostly focus on picking products which fits the recommended asset allocation…
  • The Definitive Short Guide on how GST impacts investment

    ChingFoo Lieu
    3 Feb 2015 | 6:03 am
    GST replaces Sales Tax which is generally @ 10% and Government Service Tax @ 6% GST DOES NOT replaces service charge levied by hotels, restaurants, which is also at 6%. So when you dine at restaurant which states buffet dinner is at RM 70++, the first + refers to GST (used to be government service tax @ 6%) and service charge at 10% Note the Difference! Although both are borne by consumers, GST is collected by business operators to be paid to Customs Dept,while Service Charge is collected by business operators as part of their business income. On how GST affects investment & financial…
  • The Definitive (Near) Utopian Guide in Cash-flow property investing

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

  • Choosing The Best Name For Your E-Commerce Site

    Arnel Ariate
    27 Feb 2015 | 8:27 pm
    Choosing a name for your business isn’t quite as simple as it used to be.  Unless you’re really half of a duo that goes by the name of “Mom and Pop”, it’s no longer a good idea to you to give your business a generic “routine” name. Let’s face it, you may well have an […]Choosing The Best Name For Your E-Commerce Site is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • A Basic Guide to Investing in Metals

    Arnel Ariate
    27 Feb 2015 | 6:30 pm
    118 known elements appear on the periodic table, among them base metals, precious metals and rare-earth metals.  For investors and traders who are willing to think a little outside the box, these metals offer a wide array of opportunities to be explored.  They can have a valuable place in the portfolio of many savvy investors, […]A Basic Guide to Investing in Metals is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • What’s Next After Setting Up Your Ecommerce Store?

    Arnel Ariate
    25 Feb 2015 | 6:44 am
    So, now you’ve finally set up your ecommerce store, what is the next step?  Stay and wait for the customers to come flooding in?  That will not happen.  The days when all you had to do was build it, and they would come, are long gone. This is why many new ecommerce store owners often […]What’s Next After Setting Up Your Ecommerce Store? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • For UK Families: Cutting the Cost of Eye Care

    Arnel Ariate
    24 Feb 2015 | 4:29 am
    Nearly half of the people living in the UK wear glasses at some point in their lives and about 3 million wear contact lenses, so the majority of adults in the UK are certainly aware of just how expensive it can be to look after your eyes. If you pay the standard eye test fee, […]For UK Families: Cutting the Cost of Eye Care is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Three Top Tips for Forex Traders

    Arnel Ariate
    19 Feb 2015 | 6:19 am
    The game of forex is more skill than luck, so to be successful you need the very best strategy.  It is not fate that will decide whether you win or lose, but correctly interpreted numbers, charts and ratios, and a well-honed ability to interpret what’s happening in the world and how it will affect your […]Three Top Tips for Forex Traders is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • President Obama Calls for a Stronger Fiduciary Standard. Should You Care?

    Jason Hull
    27 Feb 2015 | 4:00 am
    “…back-door payments or hidden fees for steering people into bad retirement investments that have high fees and low returns…” –Barack Obama On February 23, 2015, President Barack Obama threw his support behind a forthcoming (as of the writing of this article, it had not been released) Department of Labor fiduciary standard. According to a White […]Learn to beat your Monkey Brain and Accelerate Retirement. President Obama Calls for a Stronger Fiduciary Standard. Should You Care? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why…
  • Food in a Box

    Jason Hull
    19 Feb 2015 | 6:00 am
    “Cooking is like love. It should be entered into with abandon or not at all.” –Harriet van Horne “When the waitress asked if I wanted my pizza cut into four or eight slices, I said, ‘Four. I don’t think I can eat eight.’” –Yogi Berra I grew up in a Southern family. My grandmother cooked […]Learn to beat your Monkey Brain and Accelerate Retirement. Food in a Box is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Should I Pay for Financial Advice When There’s All This Free Information Out There? How Much Would You Have to…
  • How Much Would You Have to Budget to Go to the Women’s World Cup in 2015?

    Jason Hull
    12 Feb 2015 | 6:00 am
    “To watch people push themselves further than they think they can, it’s a beautiful thing. It’s really human.” –Abby Wambach My wife and I are going to go to the Women’s World Cup in Canada in June. Specifically, we’re going to go see the U.S. play Nigeria in Vancouver. Even though we are in the […]Learn to beat your Monkey Brain and Accelerate Retirement. How Much Would You Have to Budget to Go to the Women’s World Cup in 2015? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How Much Would You Have to Budget to Go…
  • The Ultimate Guide to Managing Your Career

    Jason Hull
    5 Feb 2015 | 6:00 am
    Zone of potential agreement (ZOPA): The area where both you and the person you are negotiating with would accept an offer. When you think about how you’re going to earn and save enough money to hit your financial goals, it’s really easy to think about how you can cut expenses. Cut lattes! Recycle dryer sheets! […]Learn to beat your Monkey Brain and Accelerate Retirement. The Ultimate Guide to Managing Your Career is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: The Ultimate Guide to Managing Your Day-to-Day Finances 5 Reasons Financial Planning…
  • Why That Advice Column and Those Online Financial Calculators Do Not Work for You

    Jason Hull
    29 Jan 2015 | 6:00 am
    “You know how advice is. You only want it if it agrees with what you wanted to do anyway.” –John Steinbeck I was kind of a personal finance nerd well before I took the courses needed to be able to sit for my CFP® exam. OK, let’s be honest, I am a nerd. There is […]Learn to beat your Monkey Brain and Accelerate Retirement. Why That Advice Column and Those Online Financial Calculators Do Not Work for You is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Should I Pay for Financial Advice When There’s All This Free Information Out…
 
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    Listen Money Matters

  • High Density Fun

    Candice Elliott
    27 Feb 2015 | 3:00 am
    How much real fun do you have compared to not that fun distractions?  Those distractions are the reason for your lack of fun.  Learn how to get rid of them. Do you wish you had more time to see friends, devote to your hobbies, knock a thing or two off your bucket list?  Well, you would if you stayed the hell of Facebook when you should be working. That kind of stuff is low density fun.  It’s a little fun and it’s spread out through the day.  But it’s not the same kind of fun as hanging out with friends or playing your favorite video game. That is high density fun, fun…
  • Real Estate Investing Part Two: The Math Behind Investing

    Allison Karrels
    26 Feb 2015 | 3:00 am
    The money and math behind investing in real estate.If you want to invest in real estate you will need to be able to do some basic math. If you followed the advice in my first article, you now have decided where to invest and what your tenant demographic will be. The next step is to evaluate a property’s ability to make money.  When researching a second rental property, I realized I had to dive deeper to better understand the math of investment properties. I read more detailed books, focusing on those that provided guidelines or formulas for calculating if a property can actually make…
  • Growing Income with the Success Triangle

    Candice Elliott
    25 Feb 2015 | 3:00 am
    The life success triangle has three parts, learning, value creation, and relationship building.  We’ll see how they fit together to help you make money. Thomas came up with this concept for college students and it was the Student Success Triangle.  But it can be applied to your post college life as well. All three points of the triangle are equally important and support each other. Learning:  Learning doesn’t stop after your formal education.  No matter what field you’re in, things are evolving and you need to keep up to move ahead.  Reading trade magazines, attending…
  • The Tipping Point

    Candice Elliott
    24 Feb 2015 | 3:00 am
    Tipping was once reserved for places like restaurants and 15% was considered sufficient.  Now everyone wants a tip and 15% is a relic.  Has it gone too far? I calculated what I spent on tips for a one week period between the end of January and the start of February.  The total?  $150!  In one lousy week.  Here is my breakdown: Movers $100 Nail Salon $11 Facialist $20 Three Seamless Deliveries $9 Furniture Delivery (just one small dresser) $10 Granted, this was not a typical week.  I don’t move every week and I don’t usually order Seamless three times a month, never mind…
  • Understanding and Using Google Finance

    Candice Elliott
    23 Feb 2015 | 3:00 am
    If you want to start buying individual stocks, Google Finance is a great place to do your research.  Find out how to maximize the information found there. Investing through an ETF means you don’t have to choose individual stocks.  They’re chosen for you.  If you want to pick your own, you’ll need to do some research.  Google Finance can be your one stop place to get a lot of information. Google Finance has a ton of great information on companies.  They also have a cool portfolio tool. The side bar lists World Markets where you can see how stock markets are doing in…
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    Equifax Finance Blog

  • Choosing the Right Tax Professional

    Eva Rosenberg
    20 Feb 2015 | 1:32 pm
    Last year, nearly 48 million taxpayers prepared their own tax returns, accounting for 38 percent of all electronic filings. In addition, self-preparation increased by 6 percent compared with 2013. While the percentage of people choosing to file taxes on their own has increased, working with a professional tax preparer remains a viable option. If you fall into this camp, you’ll want to ensure you’re choosing the right tax preparer for your circumstances. When choosing a tax professional, consider asking the following questions: 1) Does the tax preparer belong to any professional tax…
  • Business Taxes and Your Side Job: 3 Things to Know

    Eva Rosenberg
    20 Feb 2015 | 1:24 pm
    A recent issue of Quill, the Society of Professional Journalists’ national magazine, featured articles that explained the benefits of taking on side projects—something many people consider doing in order to make some extra cash. In addition to having fun, the journalists who wrote the pieces honed their skills, made some extra money, and increased their professional prestige. Despite some successes, however, many of the writers pointed out that income is not necessarily the main reason to take on side projects. Instead, it’s the freedom and self-fulfillment that make these projects…
  • When Should You Refinance Your Mortgage?

    Steve Cook
    18 Feb 2015 | 4:34 am
    With today’s low interest rates, many homeowners are refinancing their mortgages. In doing so, they will be not only paying less interest over the life of the mortgage but also lowering their monthly payments. Timing is everything when it comes to refinancing your mortgage. If you wait too long and interest rates climb, you could find yourself paying tens of thousands of dollars more in interest over the life of your new loan. If you have an adjustable rate mortgage (ARM) and wait too long to refinance into a fixed rate, the loan could reset at a very expensive interest rate. So how do you…
  • Mythbusters: Social Security

    Steve Repak
    17 Feb 2015 | 6:34 am
    “Don’t believe anything you hear and only half of what you see.” I remember hearing that from my mom when I was growing up, and it still serves me well today. Some of the things you might have heard or read about Social Security may not be true. Here are five Social Security myths you may have thought were fact. Myth #1: Your Social Security benefit is based on a specific timeframe of your employment. You may have heard that your Social Security benefits are based off of your three highest-earning years of employment, your last 10 years of employment, or your last five years of work.
  • Busted: How to Tell If You’re Dealing with a Reputable Insurance Company or Agent

    Loretta Worters
    12 Feb 2015 | 4:25 am
    A few weeks after Hurricane Katrina struck Louisiana in 2005, I received a call from an elderly woman who was confused about her insurance policy. She said that she had paid a significant sum of money for homeowner’s insurance coverage to a person who claimed to be an insurance agent. This supposed agent insisted the woman write her homeowner’s insurance premium checks payable to his company instead of her insurance company. He told her this would “allow him to more effectively manage her investment.” Little did she know, the dishonest promoter instead deposited the money into his own…
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    Self Managed Super Funds

  • Reasons To Set Up An SMSF

    superannuationwarehouse
    15 Feb 2015 | 11:52 pm
    SMSF (Self Managed Superannuation Found) is a trust where money and investments are held and managed on behalf of members. The purpose of this fund is to provide benefits to its members during retirement or death. SMSF today is the fastest growing superannuation sector, which proves the fact that 32 % of Australians use today compared to 12 % in 1998. SMSF (Self Managed Superannuation Fund) is a self-managed pension fund, which may contain 5 or less members. As trustee of the fund unless an individual can be company . Managing your own super is a big responsibility. There are strict rules…
  • Why Hire A Tax Return Accountant

    superannuationwarehouse
    2 May 2014 | 4:17 am
    Do you generally have problems when dealing with your taxes? Do not worry, because you are not the one. After all, it is not easy to manage many pages of forms and information. However, hiring a tax return accountant to do your company taxes is not cheap, but is crucial. Hiring some professional to help you deal with your taxes is one of those decisions most of Australian people will consider at some point in their career. While the E-tax software is very easy to use, there are still some very great reasons to consider to use services of professional tax return accountant. Here are four good…
  • SMSF Residency Rules

    superannuationwarehouse
    25 Feb 2014 | 1:50 am
    The number of the SMSF’s, or the self managed superannuation funds, that already exist is growing each year in Australia. In addition, many industries are implementing the trend of a global workforce. This means that the number of Australians who will be based overseas mainly for work purposes will grow continually. Many Australian SMSF members will be moving to other countries for work purposes. Therefore a number of factors need to be considered by the advisers if someone of their clients with active self managed superannuation fund is moving overseas. The following text will outline…
  • Ways To Successfully Manage Your SMSF

    superannuationwarehouse
    31 Dec 2013 | 12:38 am
    In the past 30-plus years, SMSF Australia sector has grown to be the largest due to, not only high number of funds, but also because of the size of contributions. Because SMSF Australia allows full control over a fund in terms of investment and management techniques, growing number of Australians are becoming increasingly interested in setting up one and securing their retirement. Self-managed super fund is perfect for those who would rather plan own future and make own investment decisions. However, with such freedom comes responsibility and you are obliged to successfully manage your SMSF.
  • SMSF auditor registration

    superannuationwarehouse
    10 May 2013 | 4:40 am
    Auditors of SMSF can apply for registration with the ASIC – Australian Securities and Investments Commission from 31.01.2013. All auditors, in order to be eligible for transitional arrangements and to be able to proceed auditing SMSF, must be registered with ASIC by 01.07.2013. It is best, the auditors to apply earlier for registration so the application can be proceed by 01.07.2013. The registration is $100. To be eligible for registration, the auditors must meet some general requirements: They must have accounting teritary qualification or must have successfully finished audit study; Must…
 
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    Simplistically Living

  • All Jeans $8.88 at Crazy 8! This Weekend Only!

    Brittanie
    27 Feb 2015 | 10:21 am
    I know many of you love deals from Crazy 8 so I just had to share this one! This weekend only Crazy 8 is offering all jeans for just $8.88 each! These are up to 65% off! No promo code needed to get this price. Shipping is a flat-rate of $5 or free with orders […] The post All Jeans $8.88 at Crazy 8! This Weekend Only! appeared first on Simplistically Living.
  • Homemade Shamrock Soap

    Brittanie
    26 Feb 2015 | 9:10 am
    Things are becoming more and more green around our house. With St. Patrick’s Day nearing, it only seemed right to make some Homemade Shamrock Soap! This year I have been trying to incorporate more homemade products in my life. The thing behind “homemade” is that you know exactly what is being put into the product you […] The post Homemade Shamrock Soap appeared first on Simplistically Living.
  • Bubble Guppies: Fin-Tastic Collection DVD Releases 3/3 + A Giveaway!

    Brittanie
    25 Feb 2015 | 6:26 pm
    If you have a preschooler at home you are probably familiar with Bubble Guppies. It is an show that engages your child through underwater learning adventures. You will want to mark your calendars because March 3rd marks the day the Bubble Guppies: Fin-Tastic Collection releases on DVD! The Bubble Guppies Fin-Tastic Collection includes: DISC 1 – Bubble Guppies ·    […] The post Bubble Guppies: Fin-Tastic Collection DVD Releases 3/3 + A Giveaway! appeared first on Simplistically Living.
  • Paw Patrol: Marshall and Chase On the Case Available 3/3 + A Giveaway!

    Brittanie
    25 Feb 2015 | 6:16 pm
    My son cannot get enough Paw Patrol so he was excited to hear another DVD would be making it’s way into our home (yes we own them all) soon! Paw Patrol: Marshall and Chase on the Case releases on DVD on March 3rd! PAW Patrol: Marshall and Chase On the Case! includes the following episodes: Pups Pit Crew/ Pups […] The post Paw Patrol: Marshall and Chase On the Case Available 3/3 + A Giveaway! appeared first on Simplistically Living.
  • Max & Ruby: Sweet Siblings DVD Available Now! Great for Easter!

    Brittanie
    25 Feb 2015 | 5:42 pm
    Just in time for Easter the newest Max & Ruby DVD has been released! Max & Ruby: Sweet Siblings was released on February 17th. The Max & Ruby: Sweet Siblings DVD includes the following episodes: “Max Says Hello” – Ruby needs to prepare her tea party, but Max is too busy saying “hello” to all his […] The post Max & Ruby: Sweet Siblings DVD Available Now! Great for Easter! appeared first on Simplistically Living.
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    The Simple Money Blog

  • How you can afford to travel: 7 tips you should know

    Angela and Kirby
    16 Feb 2015 | 5:00 am
    AJ: I found this article one day while mentally escaping from my hectic life on pinterest and thought it was a really unique perspective on one way you can afford to travel. She references a lot of the tried and … Continue reading →
  • 2016 proposed budget implications for young savers

    Angela and Kirby
    10 Feb 2015 | 5:00 am
    AJ & KJ: Last week the President submitted his proposed budget changes and the implications for retirement accounts. Were the proposed changes to be approved, there are hefty implications for young savers and we’re covering a few that are especially … Continue reading →
  • What makes you happy?

    Angela and Kirby
    26 Jan 2015 | 5:00 am
    KJ: What makes you tick, what makes you happy, what gives you joy? Quite a loaded question I know! Well, let’s take a step back a little from the purely philosophical and look at it from the perspective of personal … Continue reading →
  • Five smart ways to maximize your budget starting today

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

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

  • We Saved Over $1,000 in Taxes This Year By Contributing to Our Vanguard SEP IRA

    MMD
    23 Feb 2015 | 1:00 am
    One of the coolest things I discovered last year in terms of retirement planning was that I have the option to contribute to yet another tax-deferred savings plan – the SEP IRA. What’s even better is that not only was this contribution above and beyond everything I was already saving with my 401k and Roth IRA, but it also accomplished one VERY important task – saving me a boat load of money in the amount of taxes we owed for year on our Federal return. This year the story is even better!  With all the money my online business made, I’m going to end up contributing close to $4,000…
  • Unlock Your Financial Philosophy Cheat Codes

    MMD
    16 Feb 2015 | 1:00 am
    Remember video game cheat codes?  My son got a cheat code book from his cousin a few months back and he’s finding out just how awesome they are. Take your favorite video game or the hardest video game and the cheat code book gave you power you never thought you could have.  Unlimited lives.  More firepower.  Skipping ahead several levels to defeat the last big boss.  Honestly it made winning the game so much easier, and it was awesome! As I got older, I noticed something about cheat codes – there were more of them then just I knew about video games!  Clearly all around me there were…
  • What are Mutual Funds and How Do I Invest in Them?

    Staff
    15 Feb 2015 | 3:00 pm
    What holds you back from investing? Is it stocks? Do they scare you to death? If they do, I really don’t blame you. All the “ifs” in the beginning can be overwhelming! Which ones do I pick? Where will I find the right stock metrics and information to tell me? Why do they keep bouncing around in price?  How long until I have a heart-attack? Would you prefer a way to “stick your toe in the water” and not have to deal with such wild fluctuations? If so, then let me introduce you to the world of mutual funds. “What are mutual funds” you ask? Well, for starters, they are where I…
  • What To Do With Extra Money In Your Budget – 3 Good Choices

    MMD
    8 Feb 2015 | 11:00 pm
    At the beginning of every new year, one of the first things I do with our finances is to take a hard look at our budget and see where we can get the most bang for our buck. At first this usually involves doing the normal thing that most people do – taking a look at our bills and seeing where we can shave some expenses.  But there’s something else I like to do with the extra money in our budget that I feel is just as important as cutting corners on expenses.  I like to take a look at where we can best grow it! There are lots of good options for what to do with extra money if you’ve…
  • Niche Website Income Report 026 – $1,155 for January 2015

    MMD
    1 Feb 2015 | 11:00 pm
    Hello and welcome to our first official Niche Website Update and Income Report for 2015! Since 2013 I’ve been trying to take my hobby of blogging and really turn it into something of a long-term, stable.  My ultimate goal is for the niche sites I create to generate several streams of positive passive income that will continue to roll in no matter whether I’m working, sleeping, or whatever I’m up to. I consider all the extra income I make to be a huge blessing because its money that I made outside my job and beyond the budget we’ve set for our family.  Plus – it’s a lot of fun to…
 
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    The Quizzle Wire

  • What does your zodiac sign say about your money habits?

    Krystal Beers
    25 Feb 2015 | 6:00 am
    Lately, I have seen a lot of articles discussing “What your zodiac sign says about your BLANK.” Blank is then filled in by everything from love life, hair, to career. Of course, my curiosity gets the best of me every time, and I read the articles. But I don’t just read them, I READ them, and then I analyze every single word. For example, one article suggests when it comes to my love life, I’m pretty much a horrible person with the inability to form an emotional connection to anyone or anything. I’m cold, aloof, and unsympathetic. So, if my coldness, aloofness or lack of sympathy…
  • How to create a family budget for 2015

    Miranda Marquit
    23 Feb 2015 | 6:00 am
    When you have a family, money becomes a matter of doing what’s best for the household as a whole. Creating a family budget for the year is a good way to make sure that you can take care of your needs, and even enjoy some of your wants. Don’t worry about the fact that the year is already underway, either. It’s always a good time to create a budget designed to help your family reach its goals. Where does the money go? “I would put on paper, preferably in an Excel spreadsheet, all of my monthly expenses so I can see where my money goes,” says Kyle O’Dell, the president of Secure…
  • VantageScore vs. FICO

    Miranda Marquit
    20 Feb 2015 | 6:00 am
    You probably know that you have multiple credit scores, figured using different versions of different credit scoring algorithms. When many of us think of credit scores, we think of those based on the FICO formula. A number of lenders and others in the financial services industry use FICO to make decisions about how responsible you are likely to be with credit. Over the last few years, though, VantageScore has been gaining ground as a credit scoring model. Some see FICO as too opaque and too outdated to accurately reflect the changing habits of consumers in the 21st century. VantageScore aims…
  • How to get a loan when you’re self-employed

    Cathy
    18 Feb 2015 | 6:00 am
    The unreliable income of the self-employed (whether that unreliability is actual or perceived) can make it difficult to get a loan because underwriters perceive you as a greater risk than someone with a steady salary. But you don’t have to face automatic rejection; instead, consider the following to maximize your chances of securing a loan: What type of loan are you trying to get? The requirements for personal loans, such as a mortgage or car loan, will be different from the requirements for a business loan, such as one taken out to purchase a franchise or inventory. Keep in mind that…
  • New ways to invest in 2015

    Miranda Marquit
    16 Feb 2015 | 6:00 am
    If you want to build wealth and work toward financial success, one of the best things you can do is invest. Investing is a way to put your money to work on your behalf, reaping gains that go beyond what you earn at a day job. With the current state of the economy, and expectations for the future, your best bet for future financial freedom is to invest now. Unfortunately, many consumers wrongly think that they need a lot of money or need special connections to invest. It’s 2015, and the investment landscape is different from what it was 20 or 30 years ago. Today, the Internet provides…
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    Credit Card Insider » InsiderCredit Card Insider

  • Can I Get Money For Free With Manufactured Spending?

    Brendan Harkness
    27 Feb 2015 | 1:05 pm
    Manufactured spend (MS) refers to a collection of techniques used by credit card gamers and hackers, people who exploit credit card rewards to make money. They do their best to profit simply by using credit cards as a payment method to spend extremely large amounts without actually buying anything. This is distinct from the well-known concept […] The post Can I Get Money For Free With Manufactured Spending? appeared first on Credit Card Insider.
  • Best Credit Cards for Freelancers – Spring 2015

    Kimberly Rotter
    23 Feb 2015 | 8:08 am
    Freelancers have special needs when it comes to good financial management. Money earned must be stretched in a number of different directions. Since no employer withholds money for taxes or social security, the freelancer is responsible for paying them (usually each quarter). Freelancers are responsible for maintaining a workspace and all equipment needed (computer, printer, […] The post Best Credit Cards for Freelancers – Spring 2015 appeared first on Credit Card Insider.
  • The Chase Ink Plus® Business Card vs The Starwood Preferred Guest® Business Credit Card from American Express

    Brendan Harkness
    18 Feb 2015 | 12:21 pm
    This is a review and comparison of the Chase Ink Plus® Business Card and the Starwood Preferred Guest® Business Credit Card from American Express. They are both popular credit cards for small businesses and LLCs, offering extra features to help you manage your finances and grow your business. The Ink Plus provides points for frequent […] The post The Chase Ink Plus® Business Card vs The Starwood Preferred Guest® Business Credit Card from American Express appeared first on Credit Card Insider.
  • Are Credit Card Statements Useful at Tax Time?

    John Ulzheimer
    17 Feb 2015 | 8:12 am
    As 2014’s W2 forms, 1099 forms, and other tax related documents find their way into our mailboxes it can only signify one thing, which is that tax season is upon us. Most taxpayers who’ve begun the process of gathering tax documents generally have two similar concerns. First, taxpayers want their tax returns prepared so that […] The post Are Credit Card Statements Useful at Tax Time? appeared first on Credit Card Insider.
  • Review of the primor® Secured Visa Classic and the primor®Secured Visa Gold Card

    Brendan Harkness
    14 Feb 2015 | 2:39 pm
    First Choice Bank offers two secured credit card options for people with poor or no credit who want to start building up their credit history: the primor® Secured Visa Classic Card and the primor® Secured Visa Gold Card. While these cards don’t have any flashy features, they provide a solid way for anyone to build or […] The post Review of the primor® Secured Visa Classic and the primor®Secured Visa Gold Card appeared first on Credit Card Insider.
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    SideHustle HQ

  • Side Hustle Success: Staying Warm with Wool and Whiskey

    SideHustleHQ
    22 Feb 2015 | 8:52 pm
    “There are always excuses not to, there is never enough time, and there are always negative things you can tell yourself that impede you from taking that first initial step – but the experiences you are missing out on and the possibilities your ideas could lead to if you just try will most likely outweigh any of those initial doubts. ” ~Jessie McShane Name: Jessie McShane Day Job: Administrative Assistant and Program Coordinator at the Luann Dummer Center for Women  and Counseling and Psych Services at the University of Saint Thomas & Graduate Student getting an MA in…
  • Doing Business with the NFL

    SideHustleHQ
    20 Feb 2015 | 1:38 am
    Like every other country in the world, the United States is just mad about sports. To be more specific, Americans are all about football. Therein lies the opportunity. In 2013, NFL revenue clocked in at $9 billion, which makes it the most remunerative league in the world. If you partner up with the NFL, the profits are always reliable and quite attractive. Doing so is easier than you’d think when you go in with a plan. If that sounds appealing, just follow these simple steps. Consider Your Options There are ultimately two really solid ways to make money by teaming up with the NFL:…
  • Make Money Giving Feedback To Lawyers

    SideHustleHQ
    15 Feb 2015 | 1:48 pm
    There are so many ways to make money online, but being an online juror is probably one that you haven’t heard of before. Two websites, eJury and Online Verdict, allow you to sign up as online jurors and review legal cases presented by attorneys in your area. You will be presented with the facts about the case, along with the evidence and witness statements. Once you have reviewed all of this information, the attorney will provide you with an online questionnaire that you will be required to fill out. This is where you leave your feedback about the case and your thoughts about what the…
  • Starting a Juicing Business on the Side

    SideHustleHQ
    7 Feb 2015 | 5:37 am
    One of the strongest trends that has emerged in the health food industry in recent years has been the juicing craze. A $5 billion a year industry, juicing is making many companies and independent entrepreneurs a tidy fortune. Thanks to the impressive health benefits of fruit and vegetable juices, consumers are willing to pay through the nose for them. And therein lies the opportunity to rake in some serious cash for yourself. If you’d like to start a juicing business on the side that could lead to big profits, keep reading. Sketch a Business Plan While a juicing business can take many…
  • How to Start a Customer Loyalty Program for Your Side Business

    SideHustleHQ
    1 Feb 2015 | 4:30 pm
    As we all know, it’s hard to acquire reliable customers that’ll patronize a business for years to come. You can seriously boost your bottom line by making customer retention a top priority. Whether your core business is an offline affair, a strictly digital operation or a little of both, customer loyalty programs can work wonders. Every company from Autozone to Zappos implements some form of customer loyalty program these days. Launching your own successful loyalty program isn’t tough if you follow a few simple steps. Do Your Market Research Knowing what your audience would…
 
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    Debt Consolidation USA

  • Technological Hacks To Help With Finances

    al
    26 Feb 2015 | 7:10 pm
    A lot of people needs help with finances and there is nothing wrong with that. As most people would say, asking for help is sometimes a brave thing to do. The financial experts did not wake up one day knowing everything about personal finance. It took time and effort for them to reach the level […] The post Technological Hacks To Help With Finances appeared first on Debt Consolidation USA.
  • Organize Your Bills: How to Keep Track Of Your Bills

    Simi Mira
    17 Feb 2015 | 5:55 am
    When dealing with your personal finances, the best option is frequently to keep things as simple as possible to avoid unnecessary confusion and error.  However, when organizing your bills, keeping things simple can be a complicated task on its own.  Automating bill payments will only work with high-balance accounts that you can keep a close […] The post Organize Your Bills: How to Keep Track Of Your Bills appeared first on Debt Consolidation USA.
  • How A New Child Will Affect Your Household Budget

    al
    16 Feb 2015 | 10:43 pm
    If you are expecting a new member of the family, it affects a lot of areas in your life including your household budget. Expecting a baby is a very exciting stage in your life but you need to prepare for it thoroughly. All aspects of your life will be affected when a new child is […] The post How A New Child Will Affect Your Household Budget appeared first on Debt Consolidation USA.
  • Romance And Financial Decisions During Valentine’s Day

    al
    12 Feb 2015 | 3:49 am
    Financial decisions is present in almost everything that you do. From that piggy bank when you were still small to those student loans you had to take out in college. It also has a hand in your decision to accept what job offer you want to go with or to go ahead and accept the […] The post Romance And Financial Decisions During Valentine’s Day appeared first on Debt Consolidation USA.
  • The Best Ways to Improve Your Credit Score

    Simi Mira
    9 Feb 2015 | 9:42 am
    Lots of goals are important for people looking to improve their financial situation.  These goals are a wide variety, but one of the most frequent is trying to improve your credit score.  While saving money, consolidating or eliminating debt, or finding new investments are all popular, the credit score is frequently overlooked.  In addition, it’s […] The post The Best Ways to Improve Your Credit Score appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Student Loan Debt: Know Your Rights

    Kate Swenson
    18 Feb 2015 | 12:22 pm
    pictured: Cate Rysavy, Tricia Grimes, Representative O’Neill Student loan debt is a major challenge for individuals the moment they graduate or leave college. Difficulty in repayment can become a major obstacle that prevents student loan borrowers from successfully pursuing their career and life ambitions. Our Senior Director, Cate Rysavy, testified at the Minnesota House of Representatives Higher Education Policy and Finance Committee on Tuesday regarding student loan debt. Student loan payments and defaults can have a major impact on the borrower and the economy: Student loan payments…
  • Get a Jump Start on Spring and Save $$!

    Kate Swenson
    17 Feb 2015 | 9:25 am
    February in Minnesota. The days are noticeably longer – we gained an hour of daylight in January. Woo hoo! And a girl finds her attention turning to the pile of seed catalogs that started accumulating in December when spring wasn’t even a distant hope. Starting your own garden vegetables and flowers from seed can be a great cost-saving strategy. Besides saving money, the other great benefit to starting your own plants is choosing what you want instead of what the nursery has. Extreme caution is advised, though, because the renewed hope of another growing season can lead to unrestrained…
  • Easy, Free Ways to Clean up Your Credit.

    Kate Swenson
    12 Feb 2015 | 8:10 am
    What do you do if you find a mistake on your credit report? You do have rights and you can fix it. Check out what our Program Director Darryl Dahlheimer has to say about credit repair agencies.   The post Easy, Free Ways to Clean up Your Credit. appeared first on Personal Finance Blog | LSS.
  • Will a Debt Management Plan Help Me?

    Kate Swenson
    4 Feb 2015 | 7:35 am
    Many people are nervous about setting up a Debt Management Plan (DMP) because they’re worried about the potential negative effects. So let’s set the record straight today and talk about the pros and cons of a DMP with a little Q&A. 1.       How will the DMP help me? All of your debts on a DMP will be consolidated into 1 payment with 1 due date each month. All debts on the DMP will be paid off in 5 years or less. Typically interest rates* are reduced and sometimes even your overall monthly payment* is reduced. If you are behind on payments, beginning a DMP and making on-time…
  • Are you Prepared for a $1000 Financial Emergency?

    Kate Swenson
    2 Feb 2015 | 1:00 pm
    How much are you saving? If this question makes you laugh and exclaim “Savings? I wish!”, or creates major waves of guilt and anxiety you are not alone. A Consumer Federation of America study in 2010 found that 69% of low-income households do not have a savings account. In addition, 54% of moderate income households and 45% of middle income households do not have a savings account. That’s a lot of households living paycheck-to-paycheck. Think savings is a luxury? Ask yourself this question: in an emergency situation could you come up with $1000 without having to use a credit card,…
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    Minting Nickels

  • Shop Savvy: How to Make your Budget Go the Extra Mile

    Justin
    23 Feb 2015 | 9:29 am
    Shopping for things you need is one thing, but getting the things you want can be a bank breaker. Magazines, tailored ads from cookies, and social media make us want the finer things in life. From designer fashions, the latest home appliances, luxury travel–it’s hard enough to pay the bills, let alone let loose and feel frugally free. Below are some great ways to help you make the most of your money and free time.   Get Your Coupon On Couponing can be intimidating. There are clubs and groups dedicated to the $100 shop, and somehow  you get $10 back. How does that work? Coupons.
  • Start Your New Life Today With Your Own Business

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

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

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

    Justin
    9 Dec 2014 | 4:26 am
    Rule number one of shopping for a brand new washing machine – do not purchase a cheap one if it will cost you a fortune to run. Which? tested a number of washing machines regarding the amount they cost to run which varied from £11 to a staggering £50. This is a huge difference in amount – an amount that will add up over the years. However, there are also things you can do from home to reduce costs as much as possible, these include: Turning it off Most, if not all electrical appliances can be turned off at the mains and washing machines are no different. A typical household can save up…
 
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    Debt RoundUp

  • Our Quest for the Lowest Price Could Be Hurting Us

    Grayson Bell
    26 Feb 2015 | 2:04 am
    If you’re anything like me, then you take some time to bargain hunt and comparison shop. For the longest time, I was always about the lowest price. How can I get the price lower?  Where can I go to beat that price?  I was on a mission to save!  Now, don’t get me wrong. Saving money is a great thing and I encourage it. Hell, I feel that you shouldn’t complain about paying  higher prices if you don’t ask for a discount. I’m not afraid of asking for a little discount here and there. I’ve noticed I’m not alone in my quest for the lowest price. Many…
  • Do You Help Support Your Local Economy?

    Mike Collins
    25 Feb 2015 | 2:07 am
    When you need to buy something, where is the first place you think to go?  Is your first inclination to immediately head for the big box retailers or do you look around for a small, local business that might have what you’re looking for? Shopping at Walmart or Target will probably save you some money on most purchases.  Giant retailers purchase inventory for many stores at the same time so they can buy in bulk and pay much less for each item than a small business would. Because they pay so much less for everything, the big retailers are able to charge less and still turn a profit.  That…
  • Mint vs. Personal Capital – The Ultimate Financial Tool Throwdown

    Grayson Bell
    23 Feb 2015 | 2:05 am
    It’s here my financial friends. The ultimate throwdown!  Today, we pit two of the best financial tools against each other to see who comes out on top. That’s right, we are going to compare Mint.com and Personal Capital to see which free tool is better!  I got this idea back when someone submitted a question on our new Q&A board. It basically asked “Mint.com vs Personal Capital?” Now, this is highly subjective as it’s my opinion on the matter. I plan on comparing the features of each service and see which one wins. There will be several categories. We…
  • Should We Have to Inspect Our Home Inspectors Work?

    Grayson Bell
    22 Feb 2015 | 8:21 am
    Hey fellow debt fighters and wealth growers. I hope you are all well this fine day!  I don’t typically post on days like this, but I needed to get something off my chest. It’s been bottling up inside of me for a few months now. Since this is my blog, I figured I would share it and maybe it will help others along the way!  As many of you know, my wife and I bought a new house in 2014. It’s new to us, but the house was built in 1987. We love the area and couldn’t have asked for a better outside space.  It’s near our family, so that makes it much easier when you…
  • 5 Devices to Help You Cut the Cord and Save Money!

    Grayson Bell
    21 Feb 2015 | 3:30 am
    I cut the cord over two years ago. I did it because I needed to make a budget change. We were paying way too much just to watch TV and it needed to stop. I was deep in debt and I thought cable was a necessity.  Well, I’ve learned my lesson. Over the past two years, I have tried a number of different devices to help me stream shows and movies onto my TV. Now, just as a reminder, cutting the cord is not cutting internet. You need internet to really cut the cord. It wasn’t about getting away from Time Warner Cable, but more about paying them less. I get a lot of questions from…
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    The Smile Lifestyle - Phroogal Blog

  • 10 Ways To Save Money On Groceries While Still Keeping It Gourmet

    Ossiana Tepfenhart
    27 Feb 2015 | 2:18 am
    Did you ever want to be the family who always seems to have a fully stocked kitchen full of healthy, delicious, and possibly even gourmet food? It is possible – even if you aren’t earning much money. Believe it or not, coupons aren’t the only way to make your food pennies stretch. Here are some easy ways to save money on groceries and food bills without skimping on quality. Shop at the right stores. Aldi, Trader Joes, and (at times) Walmart tend to have the cheapest produce. Avoiding stores like Whole Foods alone will greatly improve how far your buck stretches. Stock up on your…
  • Which Credit Card is Right for Your Wallet?

    Valencia Higuera
    25 Feb 2015 | 11:55 pm
    You might think it doesn’t matter which type of credit card you carry in your wallet, but most credit cards cater to a particular spender. The credit card you choose can say a lot about your spending habits, and choosing the wrong credit card can be financially detrimental. It’s no secret that credit cards charge fees and interest, which is basically the price you pay for the convenience of buying now and paying later. But just because both features are common to most credit cards, don’t assume all credit cards are alike. Sure, they fulfill a basic, simple purpose — the…
  • Could You Save Thousands On Your Student Loans?

    Melanie Lockert
    23 Feb 2015 | 7:54 am
    Student loan debt is nearly at epidemic levels right now. It seems like everyone has a story about how student loans are affecting their life. According to the Project on Student Debt, as of 2013, 69% of students graduated with student loans, with an average $28,400 balance. That’s a huge percentage of students that are taking on debt to attend school. I’m no different. In total, I’ve gotten myself into $81,000 in student loan debt — $23k for my undergraduate degree, and $58k for my graduate degree from NYU. One of the main things that I struggle with as I repay my massive student…
  • 6 Ways to Supplement Your Family Income

    The Phroogal Jason
    21 Feb 2015 | 7:08 pm
    Although we continue to hear the news of record-breaking rallies in the stock market and the growth of the economy, times are still pretty tough for the average person. Yes, your employer may be making record profits and began hiring more people but how is that impacting your bottom line. If you’re like many who I’ve spoken with, the answer is absolutely nothing. Of course there is better job security but that doesn’t help when you’re still trying to make ends meet. If a salary increase isn’t in your future, then consider some unique ways to supplement your income for your family.
  • How to Have the Financial Talk with Your Significant Other

    Elizabeth J. McCarty
    19 Feb 2015 | 1:31 am
    The following article is the second guest post from long time friend and certified counselor Elizabeth J. McCarty. If you’re an introvert struggling with getting your career started then visit ResilientandThriving.com. Don’t Shy Away From It: Prepping Introverts for Having the “Financial Talk” with Their Significant Other Everyone knows that there comes a time in every relationship when “the talk” has to happen. You may dread it or welcome it, but deciding if a relationship will move forward into more serious, committed territory will be determined during this conversation…
 
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    iMoney.ph

  • Are You Being Scammed? Here’s How To Tell.

    imoney
    25 Feb 2015 | 6:00 pm
    Photo: Shutterstock Ever been offered the chance to make easy money by barely working from the comfort of your own home? In the age of the internet and social media, you could be fending off offers like these from all sides. Sometimes, you might even be tempted, because the promised returns are too great. But what if it’s a scam? How do you know? It’s getting harder and harder to tell if something’s a scam or not, because scammers are getting trickier, like in the latest Emgoldex scam to hit the Philippines. So you have to be smart, because it’s up to you to ferret out the scams from…
  • Credit Cards For The Super Rich

    imoney
    24 Feb 2015 | 6:09 pm
    The super rich have different needs than the rest of us. While you might need to get free travel insurance on your flight, they need to hire a private jet at a moment’s notice with their credit card. These ultra-high-net-worth individuals look for “special access, unparalleled benefits, and enhanced customer experience” when choosing a credit card, according to a survey by the Luxury Institute. So what are the credit cards for the super rich? Here are five of the most high-status, exclusive credit cards that you might find in their wallets: 1. American Express Centurion Card “The…
  • Tips And Tricks For The Budget Fashionista

    imoney
    23 Feb 2015 | 6:00 pm
    Got champagne taste, but a beer budget? It’s hard to stay fashionable when you’re trying to make ends meet. But just because your budget can only afford San Mig Lights, it doesn’t mean you can’t look like you drink Clos d’Ambonnay. Here are our tips on how you can be a budget fashionista and look chic for cheap: 1. Set a budget before you start buying. Don’t just take all your money when you go shopping. Before you head out, set yourself a hard budget. When you know how much you’re letting yourself spend, you can buy the clothes you want guilt-free without throwing the rest of…
  • Get Rid Of Your Credit Card Debt With Snowflakes!

    imoney
    22 Feb 2015 | 5:00 pm
    Photo: Shutterstock A few months ago, we showed you the snowball method of dealing with your credit card debt. Today, we’re going to show you the “snowflake method”, which, when used in conjunction with any debt repayment plan, can get rid of your credit card debt faster. The snowflake method is easy: every time you have any extra money, you use it to pay your debt ON TOP OF your already planned monthly payments. Basically, any time you have extra money, you put it towards your credit card debt. Here it is in action: let’s say you have an extra P100 this week (which we’ll call a…
  • You’re Putting Your Financial Future At Risk Without A Credit Card

    imoney
    19 Feb 2015 | 5:00 pm
    Credit card penetration rates in the Philippines are among the lowest in the region, at a mere 3-4% (compared to Malaysia and Singapore who have rates of over 25%). Cold, hard cash is still king in the Philippines, with over 90% of retail transactions paid for with cash. A lot of people in the Philippines still don’t have or use credit cards. But not having a credit card is a big mistake! Read on to find out why: You’re ruining your own financial future by not having a credit card Photo: Shutterstock There are plenty of reasons to get a credit card. Credit cards, when used responsibly,…
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    Life House Financial - Education Center

  • Hackers Steal 1 Billion

    Life House Financial
    21 Feb 2015 | 7:32 am
    According to a recent report, an international hacking ring was successful in stealing nearly a billion dollars from several banks spread out over the globe.  This hack, once fully confirmed, will be one of the biggest banking breaches ever known. According to the repot published by a Russian security company Kaspersky Lab., the group had […]
  • Streamline Operations & Keep Your Business Going

    Life House Financial
    8 Feb 2015 | 9:51 am
    It is no secret business competition is stronger than it has ever been.  As major companies take up market share it can be tough for smaller companies to compete.  Unfortunately, many companies believe money and an increased cash flow can be the difference gaining marketing share.  While a large bankroll can help, overtime, it cannot […]
  • 2016 Budget Increases by 5%

    Life House Financial
    8 Feb 2015 | 8:47 am
    The President’s 2016 budget proposal shows the “pay-as-you-earn” student loan program increases the deficit 5% or $21.8 billion dollars. This figure exceeds the combined budgets of NASA, the Interior Department, and the EPA, this according to Politico reports. Barclays Capital estimates this program will further add $250 billion to the deficit over the next 10 years. […]
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    FinancingLife.org

  • John Bogle on Vanguard Index Funds (video)

    Rick Van Ness
    26 Feb 2015 | 12:52 pm
    Links to 20 highlights of this video: John Bogle on Vanguard Index Funds What a ride! Vanguard index funds have come from a rocky start as they introduced this new concept to the world, to the industry leaders they are today. This interview takes a close look at the business of investment management, and how Vanguard’s index funds compare to the active trading strategy that so many still choose. Here is a summary of the key topics so you can zero-in on what interests you: Vanguard Index Funds as a Disruptive Technology We are all indexers—even the active traders. What happened to…
  • Passive Investing With Index Funds: The Better Way (video)

    Rick Van Ness
    18 Feb 2015 | 6:04 pm
    Summary of Passive Investing With Index Funds: The Compelling Evidence The Fund Management Industry Would Prefer You Not To See This remarkable 54-minute video is produced by http://sensibleinvesting.tv , an independent voice of passive investing, and features 24 experts from the fund management industry. It is a great honor to include it in our collection of video tutorials about mutual funds. Part 1: The Out-performance Myth About Beating The Stock Market Link down page to transcript about the myth that investment fund managers can produce above-average stock market returns. Regardless the…
  • The ABCs of Common Sense Investing

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

    Rick Van Ness
    24 Nov 2014 | 11:48 am
    SPECIAL PROMOTION: The kindle version of my new book Why Bother With Bonds is FREE at Amazon thru Tuesday Nov 25, 2014. Grab a copy while it is FREE! http://www.amazon.com/dp/B00PL7WS16/ Rick is on his virtual book tour and sits down for an interview with Jennifer Howell. Hear how he answers her hardball questions JENNIFER: I’m Jennifer Howell and today I’m talking with Rick Van Ness. His new book, “Why Bother With Bonds,” is about how to build an all-weather investment portfolio and why it should include CDs, Bonds, or Bond funds. There are many pictures and illustrations. The target…
  • Why Bother With Bonds (*** NEW BOOK ***)

    Rick Van Ness
    22 Oct 2014 | 3:06 pm
    A practical how-to guide for every investor. For ordinary investors who want to build an all-weather portfolio—even during low interest rates. It is time-proven wisdom, and encourages you to take control of your finances. Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn: How to choose your stocks/bonds allocation How to become immune to changing interest rates When to use CDs and individual bonds How to choose a good bond fund How to hedge against unexpected inflation Quick links and new book promotion: Reviews Worth Noting…
 
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    Enwealthen

  • Get Paid For Your Opinion In A Focus Group

    Jack
    16 Feb 2015 | 1:48 pm
    You work hard for your money, right? Do you want more money?  Yep, me too! Did you know you can get paid good money just for sitting in a room and talking? Read on to learn about the easiest $100 … Continue reading →Copyright © 2013-2015 Enwealthen.  Join Enwealthen on Facebook.
  • Succeeding with Financial Goals for 2015

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

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

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

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

  • Ready. Set. Save!

    balanceblogwriter
    24 Feb 2015 | 12:58 pm
    Do you feel prepared for your long-term financial future? It turns out that more than 65% of Americans do not. America Saves Week, from February 23-28, is here to kick-start your efforts with three simple yet important goals: Save money, reduce debt, and build wealth. Take advantage of a variety of helpful and free opportunities this week to set goals and make a plan for your personal financial success. Make the pledge: Commit to a savings plan that will help you stay on track (sign up for text reminders and tips that will keep you motivated). Attend online events: Learn from webinars ranging…
  • Still Not Using Online Bill Pay? The Five Advantages You Should Know 

    balanceblogwriter
    28 Jan 2015 | 11:25 am
    Even just a few years ago, many consumers were weary of using electronic bill pay services as a primary way of managing their finances due to safety concerns and unfamiliarity with how they work. Secure online banking, however, combined with the increased use of smartphones, is making online banking more popular than ever while “snail mail” is on the decline. Consider these stats: 69 million Americans bank online; 81 percent of household money managers banked online at least once in the past year, and more than 50 percent have done so in the past month. Add to that, consumers report high…
  • Get Finances in Order With These Apps

    balanceblogwriter
    19 Dec 2014 | 1:53 pm
    Is one of your New Year’s resolutions to get your finances in better shape? Or manage your expenses more accurately? Maybe it’s both…or more. The good news is there are plenty of powerful, smart, and free apps to try out for the New Year. Here’s a roundup of some of the most talked-about ones by finance experts. All are free and available for iOS (iPhone), Android, and some for Windows. Personal Finance No surprise that Mint.com is one of the most popular personal finance sites out on the market.  Its app offers a secure way to track all of your accounts and credit cards in one…
  • Be a Holiday Hero with Debts of Zero

    balanceblogwriter
    11 Dec 2014 | 3:31 pm
    The warmth and good cheer of the holidays can grow cold  quickly when the spending of December wears off in January and you must pay for the merriment spent. However, there are ways to keep the good feelings rolling  financially. When you make a commitment to a “debt-free” holiday, you can ring in 2015 with a happier money outlook than seasons past. Give a savings lesson Saying “no” to a child with an extensive gift wish might be the hardest thing to do this time of year. The good news is that you can say “not yet” instead to some of those gifts. If your child has a high-cost…
  • What You Need to Dispute a Credit Report Mistake

    balanceblogwriter
    21 Nov 2014 | 5:01 pm
    Have you ever found a mistake on one of your credit reports? If so, you’re familiar with the feelings of anger and injustice that come with discovering you’re being accused of something that isn’t true. Translating your motivation to fix the false information into a successful dispute takes more than just a sense of unfairness though—it requires specific steps to remedy the problem. Here’s what you need to get on the “fact track.” Get updated credit reports To start with, there are many different kinds and sources of credit reports. While there are three main credit bureaus that…
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    snarkfinance.com

  • The Cold, Hard Truth About Gold Investing

    Mitchell Pauly
    13 Feb 2015 | 5:05 am
    snarkfinance.com - Welcome to Snarkfinace!Guest post guys.  I will start out by saying I had a science teacher in high school who owned gold in its physical form.  This was at the height of the gold boom around 2010 or so.  Hey kept it in a bank lock-box.  No word regarding how much time he spend alone coveting it, but the […]snarkfinance.com - Welcome to Snarkfinace!
  • Forecasts for World and Domestic Economy

    Mitchell Pauly
    1 Feb 2015 | 12:44 pm
    snarkfinance.com - Welcome to Snarkfinace!Alright everyone, I have a “guest” article for you below… enjoy. The major factors for evaluating economy are most often the size and dynamics of the market value of final goods and services domestically or worldwide, world trade data, standards of living, and other sociological indicators and factors related to the economy. Economy based world […]snarkfinance.com - Welcome to Snarkfinace!
  • FOMO Syndrome—Falling to Non-Frugal Temptations?

    Mitchell Pauly
    22 Jun 2014 | 5:12 am
    snarkfinance.com - Welcome to Snarkfinace!I read an interesting article in GQ at the gym yesterday, Do You Suffer from #FOMO?  FOMO of course being, “Fear Of Missing Out”, a modern disorder of sorts brought upon us by social media[1].  Similar to other social media induced maladies such as CCF (Compulsively Checking Farmville), DBD (Documenting Bad Decisions) and EUOYP (Ending […]snarkfinance.com - Welcome to Snarkfinace!
  • A White Male Who Cares

    Mitchell Pauly
    2 Jun 2014 | 3:46 pm
    snarkfinance.com - Welcome to Snarkfinace!I have certainly not stalked everyone yet, but from what work I have done I have found the following to be true about the personal finance sphere: 1) Dave Ramsey is a sort of golden calf, with acolytes who were obviously the kids who walked around with pre-ripped elastic in their undies, 2) personal finance […]snarkfinance.com - Welcome to Snarkfinace!
  • Drug Testing in the Workplace

    Mitchell Pauly
    27 May 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!When I was offered my most recent job it came with the contingency that I pass a drug screen successfully.  This wasn’t to be my first rodeo with drug tests, since on a daily basis I have more substances in me than Lil’ Kim at a Chippendales:  coffee, aspirin, ibuprofen… the hard stuff.  Also, I […]snarkfinance.com - Welcome to Snarkfinace!
 
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    Gajizmo

  • Highest Paying Jobs

    Gary
    18 Feb 2015 | 5:05 pm
    For many Americans, a high salary is one of the most important factors that help determine our college major, career, or even where in the world we choose to live. Although education can play a role, there are some high paying jobs that do not even require a college degree. Despite the variety of career options in today’s marketplace, only a small fraction of all potential jobs actually pay over six figures. With costs of living, state and federal taxes, and inflation on the rise, more people are looking for high paying careers. Unfortunately, some of these industries aren’t able to…
  • Where Should I Live?

    Gary
    30 Jan 2015 | 2:55 pm
    Our generation is one of maximum mobility. We have the freedom to live almost anywhere we want, so long as we have a good job and enough money to maintain a decent standard of living wherever we go. Approximately 6 in 10 Americans have moved at least once in their lives, whether it was for economic opportunities elsewhere, displacement due to natural disasters, job relocation, searching for better weather, or any number of reasons why people leave their communities for a different city. Whatever your reason might be for wanting to move, one thing is clear: a successful transition from your…
  • What Is An Internship – Benefits, Pay and Expectations

    Gary
    17 Dec 2014 | 5:50 pm
    Internships have become increasingly popular the last few years as companies look to reduce labor costs and students or candidates search for positions that offer experience in a given profession or industry. An internship is an apprenticeship or formal training program for future professionals whereby a company offers potential employees the opportunity for a limited on-the-job experience. Since employers undertake immense costs to recruit, hire, and train employees, internships create a way to avoid incurring those turnover costs by gauging the candidate’s qualifications and fit within…
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    Personal Finance Advice

  • Don’t Buy a New Car Until you Answer these Financial Questions

    Chris Bibey
    27 Feb 2015 | 6:11 am
    Has the thought of buying a new car overcome your mind? Are you ready to make a deal happen? While you don’t want to kill your excitement, it is important to first consider what you are doing from a financial point of view. Here are three financial questions to answer before signing on the dotted line: Would you be better off purchasing a used vehicle? This is a question many people struggle to answer. The primary benefit is the ability to save money when compared to a similarly equipped new car. On the flipside, you are not going to be the first owner. For this reason, it can be difficult…
  • 3 Reasons you Need an Emergency Fund

    Chris Bibey
    30 Jan 2015 | 6:06 am
    When you look at your emergency fund what do you see? While some people are happy with the amount of money they have saved, others come to realize the following: they need to make up ground in a hurry. Nobody wants to be faced with an emergency, but you never know what is going to happen in the future. Why not prepare for the worst but hope for the best? Here are three reasons why you need an emergency fund: Home repairs. No matter what type of home you live in, there could come a time when you are in desperate need of a repair. Did your furnace break? Do you need a new roof? Is your basement…
  • 3 Reasons to Use LinkedIn even if you have a Job

    Chris Bibey
    17 Dec 2014 | 6:38 am
    As the “World’s Largest Professional Network,” many people are under the impression that LinkedIn is only beneficial when searching for a job. While this is a great time to turn your attention to the service, there are other situations in which you should do the same. Here are three reasons to use LinkedIn, even if you have a job you plan on keeping well into the future: The future is unclear. Just because you have a job now doesn’t mean this will always be the case. You never know when something could change and you find yourself searching for another position. The more connections…
  • Save your Small Business Money in 2015

    Chris Bibey
    12 Dec 2014 | 6:14 am
    With the new year right around the corner, the time has come to look towards the future. As a small business owner, this means making changes that will help your company reach new heights. While there is nothing wrong with spending money, especially if you are getting something in return, you don’t want to go overboard to the point of being wasteful. As we move into 2015, there are small steps you can take to save your business big money. A few adjustments here and there could save you thousands. These three ideas will get you in the right frame of mind: Cut back on the use of office…
  • 3 Tips for Setting and Following a Holiday Budget

    Chris Bibey
    26 Nov 2014 | 5:18 am
    It is easy to lose sight of your budget during the busy holiday season. From food to gifts to travel, it may seem that you are spending money non-stop. While there is nothing wrong with spending during the holidays, you don’t want to break your budget. If you don’t, you won’t like what you see when the calendar turns and you have to return to your “normal” life. Here are three tips for setting and following a holiday budget: 1. Track every dollar you spend. The biggest mistake you can make is spending without tracking what you are doing. If this happens, you may look at your credit…
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    Rockstar Finance

  • ★ I Dare You to Not Touch Your Tax Refund

    J. Money
    27 Feb 2015 | 3:02 am
    “What could you possibly want right now in exchange for more money in your future?” —— Photo Credit: dizznbonn
  • ★ The $124,421 Man

    Team
    27 Feb 2015 | 3:01 am
    “I’m the outlier, the best-case scenario, the happy ending, and still I’m left without much in savings, since it all went to the accelerated repaying of the loans. My fellow debtors took the same risk I did, but it hasn’t worked out for all of them. We used to be indebted to the American Dream, but now we’re in debt because of it.”
  • ★ The Scales Can Mislead You

    Team
    27 Feb 2015 | 3:00 am
    “We all use different scales and equipment when making our decisions. Just remember to stand still for a little while, put all the important factors on, and let the scales find their balance. Hopefully you’ll make some better long-term decisions as a result, in your investments and more broadly in life.”
  • ★ Investing Broken Down to its Ridiculously Simple Core

    Team
    26 Feb 2015 | 3:02 am
    “Paying attention to sales, scrutinizing receipts, negotiating bills — these are symptoms of an attentiveness to money. They’re symptoms of wealth. But they’re not the cause of wealth. You don’t grow wealth by clipping coupons and turning down the thermostat; you grow wealth by starting businesses and investing.” —— Photo by Julien Gong Min
  • ★ The Only 2 Ways To Make Money

    Team
    26 Feb 2015 | 3:01 am
    “Go after a handful of big fish, or grab bucketfuls of small fish. Do not grasp aimlessly for both.”
 
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    Doctor Of Credit

  • How Many Credit Cards Can You Have With Each Credit Card Issuer?

    William Charles
    28 Feb 2015 | 4:04 am
    Some credit card issuers only allow you to have a certain amount of credit cards with them before you’ll be automatically denied. I thought it’d be interesting to look at each of these limits with the major credit card issuers. These limits do not count authorized users, the limit only applies to cards that you’re the primary account holder on. American Express You’re limited to four credit cards from American Express at any one time. It’s important to remember two things: This limit only counts credit cards issued by American Express. Credit cards that are…
  • Debit Cards on Evolve – A List

    Chuck Sithe
    27 Feb 2015 | 3:00 am
    Evolve started charging a 3% fee for the usage of some debit card issued by smaller banks. Here’s a list of the reports we’ve seen on which cards do or don’t incur the fee. Buxx Fee Chime Fee Gift cards Fee LMCU No fee Oink Prepaid Fee Paypal Business Debit Fee Staples Easy Rebate Prepaid cards (MetaBank) Fee Suntrust No fee, but no points earned (1, 2) T-Mobile Prepaid Fee UFB Direct No fee, earns points US Bank Visa Gift Card No fee ( I tried to replicate this with a US Bank Mastercard Gift card and the card couldn’t even be added properly. Don’t know why.
  • U.S Bank Cash+ Card Now Available For Online Applications

    William Charles
    26 Feb 2015 | 7:46 pm
    The U.S Bank Cash+ card allows you to choose two 5% cash back categories every quarter (and one 2% category), there is a spending limit of $2,000 per quarter but that still equals $100 in cash back per quarter if you can max out that spending. Previously it wasn’t possible to apply for this card online, you had to apply at a U.S Bank branch, use their windows phone application and sometimes they would accept phone applications. It’s now possible to apply for this card online directly. This card has no annual fee, but also no sign up bonus. Cash Back Categories The U.S Bank Cash+…
  • US Bank Sucks, IHG PointBreaks, Making Money With Raise, $25 Virgin America Discount & United Cruises

    William Charles
    26 Feb 2015 | 3:29 pm
    US Bank business card employee spend does not count towards spend requirements by Frequent Miler. Sometimes I don’t understand big businesses, US Bank has probably spend $400+ acquiring this customer and then they have thrown that relationship in the toilet because of 35,000 points. Instead of saying that this person won’t get the points, imagine the good will they would have brought themselves if they said “Here are the terms, you didn’t meet them. But because you tried to complete the minimum spending requirement in good faith we’re going to give you the…
  • Changes To The American Express Premier Rewards Gold Card

    William Charles
    26 Feb 2015 | 2:30 pm
    American Express are making a number of changes to their Premier Rewards Gold Card, people have been expecting these changes every since the AmEx EveryDay cards were released. These new changes will come into effect on June 1st, 2015. Changes Let’s have a quick look at the breakdown of these changes: Annual fee increased by $20 from $175 to $195, waived first year 2x Membership Rewards points at U.S Restaurants $100 Airline fee credit for incidental charges (e.g baggage fees) No foreign transaction fees “Personalized Travel Service” The only negative change is the increased…
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    moneypantry.com

  • How to Make Money Selling Selling Homemade Cookies

    Chris
    27 Feb 2015 | 12:23 pm
    I’ve talked about a lot of ways to make money on this site, but we’ve rarely ever touched on the ages-old bake sale. If you’ve ever participated in one, you might not be surprised to hear that you can actually make money selling cookies. It won’t be as sweet and easy as the gig that... Read More The post How to Make Money Selling Selling Homemade Cookies appeared first on .
  • How to Make up to $250 a Year on Usell Without Selling Anything

    Satrap
    26 Feb 2015 | 1:55 pm
    Earning referral commissions is a great way to make some extra cash for recommending products and services that you actually like and use. Normally though, when you refer someone to a website or company, you (the referrer), are the only one who is rewarded. And there are tons of sites, specially survey sites that do... Read More The post How to Make up to $250 a Year on Usell Without Selling Anything appeared first on .
  • 7 Rarest, Most Expensive Video Games: You May Own One!

    Satrap
    22 Feb 2015 | 10:35 am
    Flashing lights, bleeping sounds, and the clickity-clack of controllers. These phenomena are all too common if you’ve lived in a house that had video game consoles in it in recent years. Around 70 percent of US houses have gaming systems in them, and the gaming industry is growing almost larger than any other entertainment industry;... Read More The post 7 Rarest, Most Expensive Video Games: You May Own One! appeared first on .
  • How to Get Free Stuff on Amazon: Become an Amazon Vine Reviewer

    Satrap
    16 Feb 2015 | 8:51 am
    I have shared many tips in the past for getting free Amazon gift certificates. I have even shared a few ways to get Amazon gift cards without doing surveys. But what if you wanted to get stuff available on Amazon for free? Is there any way to do it?… Yes, there is! I am going... Read More The post How to Get Free Stuff on Amazon: Become an Amazon Vine Reviewer appeared first on .
  • How to Sell Everything at Your Next Garage Sale: Tips for Success

    Satrap
    16 Feb 2015 | 8:09 am
    So, you’ve read my recent article on tips for successful garage sales, but you were interested in a follow-up post? Well look no further! Here, I’ll get a little deeper into how to price and sell your goods successfully to make money at a garage sale. Consider the Price The biggest mistake that people make... Read More The post How to Sell Everything at Your Next Garage Sale: Tips for Success appeared first on .
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    CompareHero Malaysia

  • #MyDress Breaks the Internet, Net Neutrality Fixes It

    CompareHero
    27 Feb 2015 | 3:40 am
    Today was a busy day for the Internet. Your Facebook news feed may have been inundated by friends’ posts about whether #TheDress was black and blue or white and gold (I personally say it’s black and blue) and the topic essentially broke the Internet for the day. #Llamawatch also took its fair share of the Internet limelight today. The hashtag was referring to two Llamas on the lam (pardon the pun) in Arizona who were able to evade multiple attempts to catch them. While these two humorous topics may have garnered the attention of the almost everyone on the Internet today, something more…
  • Avoid the Loan Sharks – Workable Debt Solutions for You

    CompareHero
    26 Feb 2015 | 5:00 pm
    Datuk Seri Michael Chong of the MCA Public Complaints Bureau is calling on loan sharks to stop harassing the families of debtors and to go after the original borrowers. Chong said that some of the families of debtors have considered going into hiding due to the harassment. Chong said that “this month alone we have received a total of 22 cases involving loan sharks amounting to some RM 6.5 million and out of that, about 10 families have voiced their plans to ‘disappear.’” Chong adds that the MCA Public Complaints Bureau received a total of 71 cases between January and February of this…
  • 10 Tips for First-Time Home Buyers

    CompareHero
    25 Feb 2015 | 5:00 pm
    Ask any employee about what their dreams are and chances are they’ll tell you that one of their dream is to move into their own home. For first-time home buyers, nothing can be as exciting as finally getting the keys to a house you can call your own. There’s that thrill you get when viewing a property for sale. Images start to form in your head about how you’re going to settle down in your new house. You can see yourself spending weekend nights looking out at the view from your balcony or imagining how you’ll decorate the kids’ room. Emotions come into play in the home-buying…
  • More Asian Airlines Cut Fuel Surcharge as Oil Price Dips

    CompareHero
    24 Feb 2015 | 8:52 pm
    Singapore Airlines is the latest Asian Airlines to announce cuts on fuel surcharges. Japan Airlines, AirAsia, Philippine Airlines, and Cebu Pacific have made earlier moves to remove fuel surcharges in response to the drop in oil prices worldwide and directives from regulators. However, the cut in fuel surcharges may not translate to huge cuts in ticket prices. Singapore Airlines will reduce its fuel surcharges for tickets issued on or after February 26 citing lower fuel prices. Japan Airlines, which has flights to Hong Kong, Taiwan, Singapore, Malaysia, the Philippines and other countries…
  • 7 Costly Mistakes You Make When Taking Out a Personal Loan

    CompareHero
    23 Feb 2015 | 5:00 pm
    At least one point in an adult's life, we take out a loan to buy things, pay for things, or even start a business. Personal loans are a wonderful solution when you need fast cash with no collateral and a few questions asked. Sometimes, you get approved for your personal loan almost immediately. Lenders these days boast of 5-30 minute approval to cash-out, while some still take 24 hours up to 5 business days or a week to process loan applications and approvals. But not everyone makes use of these personal loans to their fullest potential. Instead of gaining more, those people end up losing…
 
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    Money International

  • VCTs Offer Good Value To Wealthy Investors

    Ryan Holder
    26 Feb 2015 | 1:26 am
    Wealthy investors looking to extend their tax breaks are dumping cash into small companies setting up as venture capital trusts (VCTs). Entrepreneurs are finding investors eager to fund their projects with £130 million already sunk into their businesses. The VCT industry has a target of raising £400 million by the end of the tax year on April 5, 2015, and is well on the way to hitting the mark, says a report from fund managers Tilney BestInvest. The firm also reports that although this is the largest commitment to VCTs recorded at this stage in a tax year, two of the biggest managers,…
  • Tax On Those Flexible Pension Withdrawals

    Vicky Dixon
    25 Feb 2015 | 9:11 pm
    Many expats may be wondering where the best place to live is if drawing a significant cash lump sum out of a pension under new flexible access rules. From April, the rules allow anyone over 55 to withdraw either all their pension or smaller lump sums to spend how they wish. The drawback is although 25% of each withdrawal is tax-free, the rest is subject to income tax. The sting in the tail is only income of up to £42,385 is taxed at 20% or less – because the 0% tax-free personal allowance of £10,600 is included in the total. Over £42,385, income is taxed at 40%, while high earners on…
  • Is China About To Enter Asia Currency War?

    David Vaughan
    24 Feb 2015 | 9:07 pm
    All eyes are on the Chinese yuan as Asia Pacific central banks tinker with interest rates to try to spur economic growth. Banks are cutting rates around the region in a bid to spur flagging growth and slow down inflation, but all their plans could come to nothing if China decides to flex some economic muscle. Singapore, India and China have already eased fiscal policy this year –and now Indonesia has joined the party by slicing interest rates. The central bank wants to bolster a weakening currency and make inflation more manageable. Economists have interpreted the bid as a last-ditch effort…
  • Savers Are Paying For Not Taking Enough Money Risks

    Steven Wilson
    23 Feb 2015 | 9:08 pm
    Savers are sacrificing up to £140,000 of retirement income because they are playing safe with their investments, claim financial experts. Rather than take a little risk, savers would rather work longer to fund their retirements, according to the report Tackling the Savings Gap from financial firm True Potential. The study looked at the financial habits of 10,000 savers of all ages to try to determine their attitude to risk and investment. The majority response was risk shaped how people decided to save, with almost two-thirds of savers identifying that they were defensive or cautious about…
  • IRS Dirty Dozen Tax Scams For 2015

    David Vaughan
    22 Feb 2015 | 8:58 pm
    The Internal Revenue Service (IRS) is warning taxpayers in America to watch out for this year’s dirty dozen tax scams. Every year, the IRS draws up a list of con tricks and bad behaviour by crooks and taxpayers. Just like Britain and Europe, the US suffers from a plague of scammers trying to steal cash that does not belong to them by posing as bogus tax collectors. The scams Here is the list of the top IRS tax scams for 2015: Telephone scammers pretending to be calling from the IRS to phish for personal information and bank account details Taxpayers making up feeble excuses about why they…
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    SuperMoney!

  • Health is Wealth: 10 Golden Rules for A Longer, Healthier Life

    Theresa Cummings
    27 Feb 2015 | 3:26 pm
    Knowing how to make money is important but, without a healthy lifestyle, key factors enabling the task can be sorely affected.  Energy levels, mental sharpness, and communication skills can all drop to unproductive levels.  Both the National Institutes for Health, and the Center for Disease Control and Prevention (CDC) provide valuable information regarding behaviors necessary for a healthier life.  A healthy body provides resources needed for being more effective in generating greater revenue and enjoying personal time.  Consider these 10 Golden Rules:1. Maintain a Healthy Diet.The…
  • 24 Stock Trading Secrets From The Most Successful Investors

    Julie Bawden-Davis
    23 Feb 2015 | 4:38 pm
    Practice does make perfect when you want to learn a new skill—but when it comes to investing in the stock market, practice without some direction can get pricy. Before investing your hard-earned money, absorb the following words of stock trading wisdom from these experienced investors.Know What You’re Getting IntoInvesting in the stock market is really no different than buying a new car. If you invest without a firm knowledge of the stocks you’re considering, you won’t understand their value. Research is critical to successful investing.It’s Not Rocket ScienceTake if from…
  • 6 Biggest Stock Market Myths Busted By Experts

    Julie Bawden-Davis
    20 Feb 2015 | 2:13 pm
    If you want to build wealth, experts agree that putting your money to work for you is the answer. And one of the best places to park your cash is the stock market. But it doesn’t look like everyone has gotten that memo. According to the Federal Reserve, only 49 percent of Americans have money in the stock market, including retirement funds.One of the reasons that some people shy away from investing in stocks are the many myths running rampant about the stock market. Here are six of the most common misconceptions.Myth #1: Investing in Stocks is Akin to GamblingOn the surface, investing may…
  • 3 Magical Ways to Save Money on a Disney Vacation This Winter

    Tania Galloway
    18 Feb 2015 | 3:45 pm
    Despite my age (suffice it to say I’m older than 12), Walt Disney World is still one of my favorite places on the planet…and it’s a pretty big planet! Disney always impresses me with their cleanliness, efficiency, awesome staff, and their awe-inspiring ability to take a theme and run with it. I’m probably as hard-core as you can get as a Disney fan; the nightly fireworks almost reduce me to tears.That being said, it’s an expensive place to hang out, so over the years I’ve found some great tricks for shaving a few bucks off the cost of our stay.More is BetterBuying park tickets can…
  • Top 10 Places To Get A Start-Up Business Loan

    Audrey Henderson
    18 Feb 2015 | 12:11 pm
    You have a great idea for a product or service, and the passion to be your own boss. That’s a great combination for a successful start-up, but there is one essential missing ingredient: start-up capital. If you’re lucky, you can obtain grant money, but grant money is hard to come by. Many aspiring entrepreneurs put their own skin in the game, bootstrapping their enterprises with credit cards. Other would-be business owners are able to obtain the cash they need from family and friends. But if those resources aren’t available to you, or you need to raise more money than those resources…
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    Your Smart Money Moves | Personal Finance Blog

  • How Much Of My Mileage Can I Tax Deduct This Year?

    Ted Jenkin @ Your Smart Money Moves
    26 Feb 2015 | 8:29 am
    During tax time, we often get the question from employees and business owners about how much of their auto mileage they can deduct on their tax return. This is one of the biggest questions where a slippery slope can occur without approaching this topic in the right manner. For most people including business owners, their automobile is not used 100% for business purposes. Thus, if you use the car for both business and personal purposes, you can only deduct the mileage related to the business portion of using the car. Here are some ‘your smart money moves’ guidelines when thinking about how…
  • When Can You Tax Deduct Meals And Entertainment?

    Ted Jenkin @ Your Smart Money Moves
    24 Feb 2015 | 7:58 am
    Tax time is coming up and inevitably there are questions we get each and every year from small business owners and employees about what they can and cannot deduct.  Of course, it’s probably best to consult a CPA that matches your style of being conservative, middle of the road, or aggressive, but I thought I would give you some direction on several of the questions we get over and over again during tax time.  Here is the ‘your smart money moves’ post on deducting your meals and entertainment expenses. Let’s face the facts.  Most small business owners are downright lousy when it…
  • 2/24/2015 | 5 Money Mistakes When People Move in Together

    Ted Jenkin @ Your Smart Money Moves
    24 Feb 2015 | 7:20 am
    How to Get Rich w/ oXYGen Financial Topic: 5 Money Mistakes When People Move in Together Taped 2/24/14 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Regular Guys and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Breathe easier at http://oXYGenFinancial.net
  • FREE Always Comes With A Significant Cost

    Ted Jenkin @ Your Smart Money Moves
    22 Feb 2015 | 3:00 am
    The President recently announced his intention to get a proposal through Congress that would make two years of community college ‘free’ for students.  Of course, the plan doesn’t have an actual price tag attached to it yet.  I guess it may not matter because all we do know is that it would be ‘significant’ if some 9 million students across all 50 states would benefit with an average bill of close to $4,000 per child. I am personally not for this proposal, but here are some potential thoughts on some pros and cons of creating this new type of free schooling proposition: CONS:…
  • Do You Really Think The Company Will Fall Apart When You Leave?

    Ted Jenkin @ Your Smart Money Moves
    19 Feb 2015 | 5:02 am
    When you become an integral part of a company and its growth, you can convince yourself that there is no way the company can run without you.  You may be a senior vice president for a large company running an elite sales force, a design engineer working on an important product, or even the CEO at the helm of the entire operation.  No matter how much you want to convince yourself and tell your friends that the company is surely going to fall apart without you, it just may be that you have the facts all wrong.  Companies often have a backbone much larger than we’d like to give them…
 
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    Money On Trees

  • Save Money and Eat Well Too (With Anna Olson)

    Fabio Marrama
    12 Feb 2015 | 9:19 am
    I think it’s safe to say we all agree it’s important to follow a balanced diet of nutritious foods to stay healthy. However, it can be difficult at times to make smart purchases when grocery shopping. Is it because healthier foods cost more money than unhealthy food? Or is it because we don’t always know what foods are best for us? Well, that’s why we turned to the help of Celebrity Chef Anna Olson. Like myself, she believes that eating well doesn’t have to mean buying expensive foods or shopping at pricey health food stores. To be quite honest, it can actually be quite easy to eat…
  • 5 Money Saving Tips for Spring Breakers (With Amanda Stancati)

    Fabio Marrama
    5 Feb 2015 | 11:54 am
    Spring break is around the corner and you’re ready to chill out. If you haven’t yet made plans for your spring break getaway because you’ve been plugging away passing your midterms – we’ve got you covered on some tips. We turned to the vacation experts. Amanda Stancati at tripcentral.ca provided us with 5 money saving tips for those spring breakers out there. After all, we could all use a little more saving on our getaways!   1. Book in Advance The basic principle of supply and demand is extremely obvious with Spring Break vacations. Spring Break is a time a lot of people want…
  • What’s Your Wallet Weakness?

    Fabio Marrama
    29 Jan 2015 | 5:00 am
    Let’s face it, we all have or have had a wallet weakness in our lives. You know, that “one thing” that tempts us to pull out our wallets and spend? – Usually out of our budget. It could be out of pure impulse or simply just habit. We all have our vices! However, the main thing is that there are ways to curb spending. So, to show you you’re not alone, I asked some of Hamilton and Niagara’s “local celebrities”. The simple question? – “What has been your biggest wallet weakness and how do you overcome it?” “My biggest wallet weakness used to be cars. Three years ago…
  • Is Netflix really all you need?

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

    Fabio Marrama
    16 Jan 2015 | 12:52 pm
    Could you use an extra $1378 by the time this year’s holiday shopping rolls around? With the New Year already here, everyone is looking for ways to save more money in 2015. There’s a great simple savings tool that’s been circulating on Facebook called the 52-Week Money Challenge (courtesy of Kassondra Perry-Moreland). Over the past couple years, the 52 Week Money Challenge has been quite popular on social media, for those looking to put a few extra bucks in their pockets at the end of the year. The best part about the challenge is that it makes saving simple and fun. Gather a few…
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    Bankrate.com » Rates

  • Mortgage rates in Chicago, Illinois

    Mitch Strohm
    26 Feb 2015 | 6:30 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.
  • Mortgage rates in Los Angeles, California

    Mitch Strohm
    26 Feb 2015 | 4:35 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in Los Angeles.
  • Mortgage rates in Dallas, Texas

    Mitch Strohm
    26 Feb 2015 | 4:30 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Dallas.
  • Mortgage rates in Philadelphia, Pennsylvania

    Mitch Strohm
    26 Feb 2015 | 4:25 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Philadelphia.
  • Mortgage rates in Boston, Massachusetts

    Mitch Strohm
    26 Feb 2015 | 4:15 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Boston.
 
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    Stock News Desk

  • The Sesame: replace your keys with smartphone

    David Goehst
    27 Feb 2015 | 7:20 am
    Kokomo, IN – (StockNewsDesk) – 02/27/2015 — The Sesame is one of the smartest gadgets that has appeared in the market to help you leave your worries behind. People are very fond of having a smart way to live their life. They are always flattered with the stylish patterns of an easy life. Hence Sesame is the perfect tool that makes life easy going at any point in time. This could be the immediate replacement of your door locking system and you can replace your keys with your smartphone. It will easily fit on your existing locking system and you need not replace or swap anything…
  • The CastAR Glasses: Magical 3D digital world experience

    Phillip Wilson
    26 Feb 2015 | 7:15 am
    Houston, TX – (StockNewsDesk) – 02/26/2015 — The CastAR Glasses are the latest buzz in the technical market. This gadget comes with the capability of redefining your 3D digital experience. It has been called the window to the 3D digital world. It will enhance the digital world into 3D reality. You can enjoy this amazing experience along with your friends. It is in human nature that they are not static. They want to move forward for greater experience. The 3D visual is something that has dazzled human beings, but they are not ready yet to stick at a particular point. People…
  • The Uamp: smallest audio amplifier for grand experience

    James Smith
    25 Feb 2015 | 4:35 am
    New York City, New York – (StockNewsDesk) – 02/25/2015 — The Uamp is the latest sensation in the market dedicated to provide you with a gigantic audio experience. The quality of the audio means the most to us. It takes the song or movie or any audio clip to another level. This is not something that multiplies the level of audio to produce loud music but it increases the listening experience by overcoming the music player’s limitation. The Uamp is nothing but a portable headphone amplifier. Hence it can be said that your audio experience will not be bound with the limitation…
  • The LG G Flex: first ever curved smartphone

    Phillip Wilson
    23 Feb 2015 | 7:49 am
    Houston, TX – (StockNewsDesk) – 02/23/2015 — The LG G Flex has been introduced in the market as the first of its kind – a curved and flexible smartphone. The unique concept, amazing appearance, stylish features and trust of LG electronics has created huge buzz. Few years back, the smartphone was a huge buzz itself, but no more. People are always up for something new and more effective. Hence LG electronics has tried their hand on something new and better. The LG G Flex is not only a smartphone but it comes with something extra. It has a curved appearance that can dazzle…
  • The Mogo Bike: a folding electric scooter

    Andy Manalis
    20 Feb 2015 | 7:09 am
    Santa Barbara, CA – (StockNewsDesk) – 02/20/2015 — The Mogo Bike is the latest buzz in the automobile market. It is an easy commuting and portable folding electric scooter. The Mogo Bike is all set to change the face of daily commuting. It is capable of providing good speed and you can cover a good distance as well. It is flexible and comfortable. It takes minimum space at home or anywhere else, so you can carry it anywhere. Commuting can be considered a ritual. You have to travel each and every day if you are going out. No matter which personal or public vehicle you use for…
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    The Travel Sisters

  • New IHG PointBreaks List – Hotels for 5,000 Points a Night Starting Wednesday Morning

    The Travel Sisters
    24 Feb 2015 | 8:54 pm
    If you are a beginner to points and miles, one of the best values in points are IHG Rewards Club PointBreaks. This is a list of IHG hotels that can be booked at only 5,000 IHG Rewards points a night (normally you would need a lot more points to book them). Every few months a new list of PointBreaks hotels is published.  A preview of the latest PointBreaks list was released today and can be booked starting the morning of Wednesday, February 25.  The new PointBreaks list will be updated on IHG’s page here on Wednesday morning. The properties on the PointBreaks page can be booked…
  • Win Up to Five Free Nights at a Marriott Hotel and a Marriott Foam Bed!

    Patti
    18 Feb 2015 | 5:41 pm
    Marriott Rewards is running The ShopMarriott Sweepstakes 2015 offering a variety of prizes.  The grand prize winner can win five nights at a Marriott hotel and a Marriott foam bed.  Even better the sweepstakes in not limited to only US residents.  Here are the details: Prizes: Grand Prize (1 winner):  Marriott foam bed and bedding set or a five (5) consecutive night stay for winner and a guest at any Marriott location. First Prize (1 winner):  Winner’s choice of a Marriott foam bed or a four (4) consecutive night stay for winner and a guest. Second Prize (1  Winner):  Winner’s…
  • Earn Points for Referring the Chase Sapphire Preferred Credit Card to Your Friends and Family

    Patti
    18 Feb 2015 | 4:19 am
    Do you have a Chase Sapphire Preferred credit card?  If the answer is yes, you can earn points for referring this credit card to your family or friends (if they apply and are approved using your referral). Chase periodically offers the opportunity to earn points for referring its credit cards through chasereferafriend.com.  While I don’t try to get my friends to sign up for credit cards, I do use referrals to earn points when a close family member applies for a card. Currently the Chase Sapphire Preferred card is offering a referral bonus.  Here are the terms: You must invite by May 31,…
  • Free Entrance to All U.S. National Parks

    Patti
    12 Feb 2015 | 8:52 pm
    Still deciding where to travel this weekend? This Presidents Day weekend (February 14-16) entrance to all U.S. national parks will be free. Normally 133 of the 405 U.S. national parks charge an entrance free.  However, there are a few days a year where all the national parks offer free entry – including three days this weekend.  Here is the list of national parks that are waiving the entrance fee. For more information check out the page the National Park Service has created for Presidents Day weekend. The rest of the free entrance days in 2015 are listed on the National Park…
  • Review: Delano Las Vegas

    The Travel Sisters
    3 Feb 2015 | 12:40 pm
    Our stay at the Delano Las Vegas came courtesy of a complimentary upgrade during check-in.  Although our reservation was for the Mandalay Bay Resort and Casino, we were pleased with the unexpected upgrade as we did not even have elite status.  We were also relieved that we did not need to try the well-known $20 trick- neither of us were confident in our ability to execute it seamlessly.  Ultimately, the upgrade was probably because we arrived late in the day and all the rooms at Mandalay were occupied. Overall, we enjoyed our stay and would consider the Delano for future visits to Las…
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    Advantage CCS » Blog

  • Advantage voted Best Debt Management Company

    Lauralynn Mangis
    25 Feb 2015 | 10:07 am
    We are thrilled and very proud to be awarded the #1 spot on 10BestDebt.com’s “Top Ten Debt Management Companies” list. The news was just announced in a Press Release on...The post Advantage voted Best Debt Management Company appeared first on Advantage CCS.
  • Take Your Financial Future into Your Own Hands

    Katie Bryan
    19 Feb 2015 | 8:05 am
    Guest Blog Post By Katie Bryan, America Saves Communications Director America Saves Week, February 23 – 28, 2015, is the perfect time to review your finances, set your savings goals for...The post Take Your Financial Future into Your Own Hands appeared first on Advantage CCS.
  • DIY Valentine’s Day Last Minute Gift Ideas

    Lauralynn Mangis
    13 Feb 2015 | 6:02 am
    Handmade Valentine’s Day gifts can be less expensive than store-bought gifts, but they can also be more meaningful. For people who need last minute ideas for Valentine’s Day gifts, there...The post DIY Valentine’s Day Last Minute Gift Ideas appeared first on Advantage CCS.
  • Take the America Saves Pledge Today!

    Lauralynn Mangis
    5 Feb 2015 | 8:54 am
    February is the “month of saving” and it’s all thanks to an organization called America Saves. Every February they have America Saves Week (#ASW2015) where they ask companies, organizations, and...The post Take the America Saves Pledge Today! appeared first on Advantage CCS.
  • Tax Season: Rules, Tips, Advice, and Help

    Lauralynn Mangis
    26 Jan 2015 | 12:31 pm
    It’s a new year, and many people are already anticipating the need to get their taxes in order. For those who have done taxes in the past, history has shown...The post Tax Season: Rules, Tips, Advice, and Help appeared first on Advantage CCS.
 
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    Save The Bills

  • 10 Easy Jobs Anyone Can Do To Earn Extra Money

    Edwin C.
    19 Feb 2015 | 9:50 pm
    Freelancing is a beautiful thing. Even if you have a great job that you love, there may be a time in your life when you need extra money to pay down debts or make it through a tough time. Freelancing is a great way to bring in extra cash and many freelance opportunities require very little skill or special training. Look at the skills available to you and try a few different things before concentrating on one opportunity. If you’re lucky, your freelancing can turn into a new career! Do Some Yard Work Post a sign at the grocery store, the hardware store or anywhere else that gets a lot of…
  • 10 Characteristics Successful People Share

    Edwin C.
    19 Jan 2015 | 11:51 am
    Some people are born with a silver spoon in their mouth, but most of us have to reach success the good old fashioned way, with hard work. But it takes more than just putting your head down and getting to work. The truly successful people each have certain undeniable traits they share in common. If you want to learn how to get out of the rat race and achieve all your goals, read on for these 10 characteristics of truly successful people. Be Persistent Thomas Edison famously tried and failed at countless innovations he pushed through. He never gave up and ultimately came up with the light bulb.
  • 6 Ways To Watch Movies For Free

    Edwin C.
    17 Dec 2014 | 11:39 am
    Going to the movie theater is a national pastime, but gone are the days of the cheap drive-in movie. Now you could be shelling out $100+ for a night out at the movies with your family. Buying DVD’s isn’t cheap either, at about 15 bucks per movie. What if you could watch movies for free? What if it wasn’t illegal? Well It’s entirely possible to feed your movie addiction on a shoestring budget. Here are 6 methods to do just that. Share A Netflix Account If a friend of yours has a Netflix subscription, you can mooch off of them if they don’t mind. With Netflix you…
  • 3 Important Questions To Ask Before Getting A New Credit Card

    Edwin C.
    21 Nov 2014 | 11:31 am
    Credit card companies spend millions of dollars on marketing. They study human behavior to learn what colors to use and what kind of language to use to attract more customers. While the big credit card companies are still doling out the big bucks on television commercials and direct mailing, now they’re getting closer to you by investing in social media marketing, inserting their clever ads directly into your Facebook and Instagram feeds. They are very good at what they do. So good that they can convince a person with 4 credit cards and massive credit card debt to open another credit…
  • 8 Smart Ways To Use Your Tax Refund

    Edwin C.
    29 Oct 2014 | 10:02 pm
    A lot of people look at their tax refund as free money. Because of this they tend to splurge on things they don’t need. Unfortunately, tax returns aren’t free money at all – it’s in fact funds that you have worked hard to earn and have loaned to the U.S. government for the past year, interest free at that. Looking to make the most of your tax refund? Here are 8 ways to use your refund smartly. Build A Rainy Day Fund Having a stash of emergency cash is the key to financial security. Take your tax refund and stash it in a savings account to fall back on in the event of an illness,…
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    Inspiration and Marketing Strategies for Entrepreneurs

  • How to Use Presentation Platforms to Increase Website Traffic

    Tammy Hawk-Bridges
    25 Feb 2015 | 8:37 am
    Let’s face it, coming up with a social media marketing strategy is overwhelming. There’s so many moving parts, you probably don’t know how to use it or more importantly why to use it. First, let’s talk about what a social media strategy should be about – it’s about growing your followers AND driving traffic to your website. Social media platforms are amazing for increasing website traffic. Post Google updates (Penguin, Hummingbird etc.) organic traffic (Traffic that comes from the result of people typing into the search engine a certain phrase or keyword…
  • Have a Small Business Idea? Here’s Some Considerations

    Tammy Hawk-Bridges
    19 Feb 2015 | 6:38 am
    One of the worst things you can do? Create a business with absolutely no foundation other than it seems like a cool idea. When I left corporate America and entered into the world of entrepreneurship I thought that being a smart business woman gave me a leg up. Boy, was I stupid! I had a very cool idea, all my friends and family said so! But I did no research on my market. I didn’t know who my buyer was, and what’s worse I couldn’t reach enough of them to support my business. So guess what? 13 months, tons of lost time, tons of lost money, lots of tears later – big…
  • Marketing is a Verb – That Means Action

    Tammy Hawk-Bridges
    11 Feb 2015 | 7:05 pm
    If you want to grow your reach and make more money in your business the process by which you make that happen is called marketing. 1 million new micro businesses start up every year (A micro business is made up of 1 or 2 people.). 80% of those 1 million businesses won’t break 50K in annual revenue (Notice I didn’t say profit- I said revenue). Why? There are lots of reasons but in many cases marketing is the missing piece. They’re too small minded about their business. (Sorry, I’m not trying to be mean here, just honest :-).) Small Mind = Small Profits Most people will get…
  • Entrepreneur Education – Declutter To Make More Money in Your Business

    Tammy Hawk-Bridges
    5 Feb 2015 | 7:14 am
    You know what’s really cool about what I do? I get to tell people how to make more money. If they have a valid business idea, I can tell them how to build a process to bridge the gaps and be more profitable. Given the right person that’s willing to roll up their sleeves and get really serious, I can succeed every time. However, one of the things I learned first as a sales trainer back in my corporate days that still holds true today in my life as an entrepreneur mentor is that people who are messy and unorganized will struggle. You cannot build profitability in chaos. When I was a…
  • Use Blogging to Get Consulting Clients

    Tammy Hawk-Bridges
    26 Jan 2015 | 5:36 pm
    One of the questions I get asked a lot is, “How did you grow your consulting business so fast?” I never mind answering this question because it’s one of my favorite things to talk about! After my first business failed and I lost a ton of money I learned the error of my ways before going into business number two. I made two major mistakes that caused my demise: I didn’t understand marketing. I didn’t have a strategy or plan. I just worked hard all day long hustling with no purpose. So when I went into my next endeavor I prepared to not only play a very serious…
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    GeorgetteMillerLaw.com

  • 5 questions You’re Not Asking Your Loan Modification Attorney

    Georgette Miller
    27 Feb 2015 | 6:00 am
    Falling behind on home payments is a problem that needs to be handled before the situation gets out of control. Acting sooner rather than wait until the debt is up a significant amount is the smartest way to keep from losing your home. Unfortunately, the process of loan modification when faced with foreclosure can seem like a frustrating ordeal. No two loan situations are the same so it’s impossible to completely predict how it’s going to go from one case to the next. Some lenders are not going to be easy to work with and time spent trying to negotiate … Read the rest The…
  • Top 7 Things you should know about Debt Management Programs

    Georgette Miller
    23 Feb 2015 | 6:00 am
    Unfortunate life events can happen at any time to make it difficult to keep up with loans, a home mortgage, and credit card payments. Filing for bankruptcy, having property repossessed, or having utilities shut off is a dire situation that no one deserves. A debt management program provides the opportunity to combine all monthly bills into one reasonable payment. Rather than fall behind with numerous lenders and risk losing valuable assets, an agency will negotiate a plan that suits your budget. This is the easiest way to avoid ruining your credit score or having to file bankruptcy in the…
  • How Carroll County Residents Choose a Real Estate Attorney

    Georgette Miller
    20 Feb 2015 | 6:00 am
    Selecting a good real estate attorney to handle your legal issues is not a process you should rush through. Every case is very unique and it needs to be handled by a lawyer that specializes in the field you’re working with. Answering the important questions to find the most valuable representation for your real estate issue. Identify Your Legal Issue and Specific Property Type The type of property that you own in addition to the legal issues you have puts your case into a specific subcategory. A real estate lawyer that focuses solely on a subcategory is generally more useful ……
  • What to look for in a NYC Bankruptcy Attorney

    Georgette Miller
    16 Feb 2015 | 6:00 am
    Choosing the right bankruptcy lawyer to handle your case is easy when you know exactly what to look for in an attorney. There are a few basic qualifications to check for prior to scheduling a consultation, and important questions you need to ask once meeting. If you feel that one person meets or exceeds all of your standards, then you can feel confident moving forward with their services. The Basic Criteria Asking for referrals online or through friends that have gone through a similar situation is one way to find a lawyer you can depend on. On the other hand, … Read the rest The post…
  • Legal Corner: Exploring liquidation bankruptcy

    Georgette Miller
    13 Feb 2015 | 6:00 am
    Last week, the Legal Corner discussed the basics of bankruptcy and some of the benefits it may be able to provide to individuals and certain business entities. This week, let’s cover the Chapter 7 bankruptcy process and some of the possible advantages and disadvantages to filing. Generally there are two methods of bankruptcy — liquidation and repayment. Chapter 7 bankruptcy involves the liquidation process. The liquidation method requires a trustee to evaluate and then sale the debtor’s property. Once all available property is sold, the trustee will then distribute the proceeds from the…
 
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    Sanjay Matai, The Wealth Architects

  • How to exchange damaged bank notes?

    Sanjay Matai
    26 Feb 2015 | 9:40 pm
    It always gives a bad feeling to carry a dirty or damaged currency note in our pockets. So we try to palm it off to an unsuspecting person or donate it to God.Well, you don't need to take such dubious steps to get rid of your shabby or torn notes.Specific guidelines laid down by RBI — i.e. Reserve Bank of India (Note Refund) Rules, 2009 — permit you to exchange them for a better one.To begin with, the damaged banknotes are classified into three categories viz. Soiled, Mutilated and Imperfect. These have been defined as under:a. Soiled Banknote: This is one which has become dirty due to…
  • RGESS: You might still be a "new" equity investor. Check out.

    Sanjay Matai
    24 Feb 2015 | 8:55 pm
    The buoyant stock market since around one year and the huge expectation from the Modi Government, is again attracting many new retail investors towards equity.However, given the risks involved with equity investment, it would be wise if these small first-time investors don't take direct exposure to stocks. Rather, they should make their equity investment through the mutual funds. This would not only let them enjoy the expertise of well-qualified and experienced fund managers but also diversify their investment.Meanwhile, the Government too has been encouraging first-time equity…
  • Best Personal Finance Oscar winners are eternally the same

    Sanjay Matai
    22 Feb 2015 | 9:02 pm
    Year after year, the winners in various categories of our personal finances remain constant and consistent.For many this predictability is so boring and monotonous. They want excitement. They want action. They want change.But, for the smart investors, this very obviousness and unambiguity is an excellent virtue. It makes making money and becoming rich so simple and straightforward.So without much further ado, let me "repeat" the list of those who are rated the best in each category.For those unaware of such a list, this is a short and crisp 2-minute lesson in personal finance.
  • Term Insurance policies turn complex, tricky and dangerous

    Sanjay Matai
    19 Feb 2015 | 9:12 pm
    As you know, Term Policies are the simplest, cheapest and the best form of insurance to take life cover.Here, it is important to note that "cheapest" is not to be confused with "inferior". No, the low cost does not make the term plans inferior to other types of insurance policies, in any manner whatsoever.In fact, term policies serve the primary purpose of an insurance plan i.e. to cover the risk to one's life. To this, if you add the feature called "investment", you get all other types of insurance policies such as endowment, moneyback, ULIPs, etc.In other words, term plans are the…
  • Your stocks safe and risk-free investments, in just two steps

    Sanjay Matai
    17 Feb 2015 | 9:04 pm
    Stocks are considered to be a high-risk investment.Naturally, because by investing in equity, you are open to the risk of losing your entire capital.But what if I tell you thata) most people do not understand the "true nature" of the risk involved, andb) more importantly, you can quite easily eliminate even this "inherent" risk in stocks.Interested? So let's get cracking...Step 1What will happen if you crash your car into a wall, driving at 5 km/hr? Well... you may end-up with a few bruises and cuts.But, what if your speed was 20 km/hr? Apart from the cuts, you may have a few broken bones…
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    The Skint Dad Blog

  • Marriage Allowance – How Much Can You Save?

    Skint Dad
    26 Feb 2015 | 2:39 pm
    The registration for the Marriage Allowance has opened which allows married couples and civil partners to cut their tax bills, saving up to £212 per year! Having recently got married (I still can’t get over that Skint Mum handmade 1,000 origami cranes!), I didn’t think there was anything else that could make me happy – until […] The post Marriage Allowance – How Much Can You Save? appeared first on The Skint Dad Blog.
  • EPIC Groupon Discount Code for 15% Off

    Skint Dad
    24 Feb 2015 | 3:04 pm
    For an extremely limited time only, Groupon are offering 15% off of their entire range of local, goods and getaway deals. Because Groupon are normally so generous with their prices, an offer like this doesn’t come round that often so if you’re after a deal, now is the time to take action. From Wednesday 25 February through […] The post EPIC Groupon Discount Code for 15% Off appeared first on The Skint Dad Blog.
  • Free Meal Deal at Boots or Tesco

    Skint Dad
    23 Feb 2015 | 1:27 pm
    Limited time special offer – grab yourself lunch with a free meal deal worth £3.29 at either Boots or Tesco via TopCashback. Buying your lunches in the shop everyday can soon add up! If you spend £3.29 on lunch each day of the working year you could spend close to £800 per year! Instead make […] The post Free Meal Deal at Boots or Tesco appeared first on The Skint Dad Blog.
  • Free eBooks: Cooking for Two, WW Slow Cooker Recipes, The New Dad Book of Secrets, and more

    Skint Dad
    22 Feb 2015 | 2:25 pm
    Rather than paying for Kindle eBooks, did you know that you can download a huge selection of them for free? See which ones I found for free this week. You don’t need to buy a tablet to read eBooks. Read my guide on how to read them without a Kindle. Here are a selection of free eBooks from […] The post Free eBooks: Cooking for Two, WW Slow Cooker Recipes, The New Dad Book of Secrets, and more appeared first on The Skint Dad Blog.
  • Saving Your Change with a DIY Money Box

    Skint Mum
    22 Feb 2015 | 10:06 am
    We are starting to save our spare change but instead of buying a money box we’ve looked at ideas for how we can create a DIY Money Box to save our coins! There are loads of different ways to save money. Whether you have a standing order for a set amount money to an ISA […] The post Saving Your Change with a DIY Money Box appeared first on The Skint Dad Blog.
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    ReadyForZero Blog

  • 3 Reasons Why ReadyForZero is Your Financial Friend

    Rod
    13 Feb 2015 | 10:35 am
    This guest contribution is from Lindsey Carlton. Lindsey is the editor-in-chief at CouponsDaily.com, the leading authoritative expert on all things retail and savings. To read her original in-depth article click here In a nation full of debt, it’s hard to find the best way to pay it off. Between student loans and a plethora of other debts, you may feel like you’ll never be able to pay off everything on time. And on top of that, there are many tools out there that promise to pay off your debt, but instead leave you frustrated. ReadyForZero is different for a reason. The planning tool is…
  • How Debt Consolidation Can Jumpstart Your Journey to Financial Stability

    Kayla
    30 Jan 2015 | 6:15 am
    No matter how many aspects of your financial life you work to turn around, debt can be a giant burden halting all progress before it begins. It’s the elephant in the room that must be cleared before a solid financial foundation can be reconstructed. But herding that elephant out is a tall order. If you’re dealing with overwhelming debt in the form of several different accounts, all with different minimum payments, balances, and interest rates, debt consolidation is one viable option to consider. Debt consolidation essentially takes all of your debt and rolls it into one large lump sum…
  • 3 Emotional Side Effects of Debt and How to Handle Them

    Kayla
    29 Jan 2015 | 6:15 am
    The tangible results of debt – calls from bill collectors, denial of loans, a growing stack of past due bills – may seem like the worst part of this ever-growing financial problem. But the reality is, these events would mean little if, underneath the surface, you weren’t dealing with the intense emotional effects of the issue. Being financially indebted to someone doesn’t just put a strain on the funds you have coming in, it can trudge up fear, feelings of inadequacy, and many more emotions that can strain other areas of your life at the same time. The purpose of mentioning these…
  • 5 Reasons To Reevaluate Your New Year’s Financial Resolutions

    Kayla
    28 Jan 2015 | 1:56 pm
    Dreaming is undeniably easier than doing. So when we sit down to make resolutions at the first of the year, it’s easy to be blinded by the excitement of possibility without much thought of the actions we’ll take to turn those dreams into reality. Then enters the guilt. Guilt that we failed so quickly, guilt that we don’t actually know how to take steps forward, guilt that we