Personal Finance

  • Most Topular Stories

  • Boom Goes the Markets, Market Cheese, and #BestMoneyStories

    Canadian Personal Finance Blog
    bigcajunman
    28 Aug 2015 | 5:31 am
    Tweet The last 10 days or so have been quite volatile on the markets with wild drops, sudden spurts up and indecision and confusion on whether this is a “correction”, a “collapse” or a “great time to buy”. To quote a well-known media maven I’m an Indexer I don’t Care What the Index Did Today, although I did buy in the middle of all of this, because I had money to put in my son’s RDSP (but that is very long-term savings, so again, who cares). There is agreement that China’s economic cogitations seems to have been a catalyst for all…
  • The Four Most Basic Things You Should Know About Money

    Everybody Loves Your Money
    Me
    27 Aug 2015 | 10:04 am
    I firmly believe that post people know that “how’s” or personal finance and just don’t have a strong enough “why.” However, with so much information available people can also get bogged down in the “how’s” looking to take too many paths. If you’re someone who is just starting from scratch these are the most basic things you should know about money. Once you learn these you can apply them to your own unique life and build from there. # 1 – If You Want Financial Stability You Must Spend Less Than You Earn Just like most things in life, solid personal finances require some…
  • What are the most important lessons to learn about personal finance?

    7million7years
    Adrian
    27 May 2014 | 1:43 am
    Everybody has an opinion about the most important financial lessons that you can learn about personal finance. Just look at how many personal finance blogs there are [Hint: over 7,000 are listed] … and, here I am adding one more blog to that long list. What do these blogs suggest? What do they say are the most important lessons that their authors have learned along the way? Is it to avoid debt? Probably [here are 50 blogs just focussed on debt reduction]. Perhaps, you need an emergency fund? Of course [Googling “emergency fund” brings up 1,050,000 results]. How about…
  • Yowza, the Stock Market!

    My Open Wallet
    Madame X
    26 Aug 2015 | 6:00 am
    Normally I'm a very hands-off investor. I go for long periods without paying much attention while my various holdings drift up and down in value-- hopefully, mostly up! But in the last year or so, I've been putting more cash into the market, and paying a bit more attention. This is largely because I've had more cash to invest-- my own savings and the proceeds from selling my condo, and more recently, my mother's trusts.I continue to mostly invest in a mix mutual funds, some just index funds and some with other mixes of assets-- nothing really sector-specialized, just some bond funds and…
  • 5 Money Lessons Students Should (But Usually Don't) Learn In School

    Forbes - Personal Finance
    Beth Braverman
    30 Aug 2015 | 10:34 am
    High school students with basic financial literacy skills are better equipped to understand the important financial implications of the decisions that they make about which college to attend and how to pay for it. Here are five money lessons that every teenager should be taught:
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    I Will Teach You To Be Rich

  • How to meet new people and make friends

    Ramit Sethi
    28 Aug 2015 | 8:00 am
      Let me paint a picture for you. You just moved to the city of your dreams. It’s big, vibrant and full of possibility. The weather is amazing. The food is SO good. You’re living the dream except one thing keeps bothering you: your Friday nights suck. You spend them alone and bored out of your mind. You WANT to go out, but you don’t even know where to start. This was my exact situation a few years ago. I’d just moved to New York City and had ZERO friends. After too many boring Friday nights, I finally learned how to make new friends and meet more people. Today, I want to…
  • How to be the OBVIOUS college scholarship winner

    Ramit Sethi
    27 Aug 2015 | 8:00 am
    Do you know the number one reason students don’t win college scholarships? (Other than not applying. Ugh.) Answer: They see the application process as a “numbers game.” They think if they apply to every scholarship, then they’ll have to win something…right?   NO! If you don’t understand the psychology of college scholarships, each one you apply for is just another rejection waiting to happen. I learned this the hard way. Coming from a middle-class family, my parents made it clear that if I wanted to go to college, I NEEDED to win scholarships. In the beginning, I made…
  • Informational interview questions that create a lasting impression

    Ramit Sethi
    26 Aug 2015 | 8:00 am
      What if you lost your job today and needed a new job in a week? Could you do it? What if you just wanted some advice for a tough career decision? Is there someone you could ask? Or what if you wanted to make a big career change, like switching industries? Is there anyone you could call for help? The secret to solving all of these challenges is the same: informational interviews. Today, I’ll show you how to conduct excellent info interviews, including the exact questions you’ll want to ask. At a high-level, here’s how an informational interview works: You find someone…
  • Lol, thanks for the advice

    Ramit Sethi
    24 Aug 2015 | 8:00 am
    Bahahaha…look at this email I got from a nice lady named Cathy: More nutty reader emails on instagram.com/ramit   Weird that she didn’t reply with her measurements… If there’s one thing I’ve learned about life, it’s that everyone is happy to give you advice. But how do you know when to take the advice…vs. when to ignore it? Do you have to agree with your parents who tell you to buy a house? Or your friends who wrinkle their nose that you read about self-development? Or people who tell you to stop thinking about starting a side business (because you should just…
  • How to read body language (and improve your own)

    Ramit Sethi
    21 Aug 2015 | 8:00 am
    There are tons of articles out there telling you how to read body language. From Psychology Today to Business Insider, they give you tips on how to read someone’s face and posture, but they all seem to miss one key thing.   No one wants to read body language just for the hell of it! You want to know the specific changes that will help you improve YOURS. Here’s what I mean: When I was in high school, I applied for a lot of scholarships to pay for college, and I got a lot of interviews because I could nail the essays. Every time I showed up I ran into the same girl competing for all…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • How much does it cost to start a side gig?

    Honey Smith
    28 Aug 2015 | 4:00 am
    This article is by staff writer Honey Smith. So you’re thinking to start a side gig. Congratulations! Whether you are trying to pay off debt or just trying to fully fund your savings account, a side gig can help you reach your financial goals. But be aware: There is a grain of truth to the old adage, “You have to spend money to make money.” Exactly how much money are we talking? The cost of starting a side gig depends on several factors, so let’s explore some of the costs you are likely to encounter regardless of your new business focus. Cost 1: Starting an LLC…
  • Why you should make a home your first investment

    William Cowie
    27 Aug 2015 | 4:00 am
    This article is by staff writer William Cowie. Originally, this was to be a two-part series discussing the pros and cons of buying a home as opposed to investing. The purpose wasn’t to pick a winner or loser, per se. (After all, one of the main tenets of Get Rich Slowly is that you really should do what works for you.) Instead, the purpose was to highlight the strengths and weaknesses of both options in case you were faced with a choice for some reason. Holly Johnson’s article (Should you buy a home or invest?) was first; and she said that, if she had to make that choice, she…
  • 10 splurges that won’t break the bank

    Honey Smith
    26 Aug 2015 | 4:00 am
    This article is by staff writer Honey Smith. There’s a popular, little myth going around that being frugal means that every penny must be pinched or saved in an online high-yield savings account and that, as a result, it’s not okay to splurge once in a while. But a more balanced approach could make it easier to stick to a spending plan, thereby making your long-term financial success more likely. To be clear, though, this isn’t to say that splurges are okay all of the time. If you’re splurging all the time, it could hardly be considered a splurge, after all. That would…
  • How to invest in index funds

    William Cowie
    25 Aug 2015 | 4:00 am
    This article is by staff writer William Cowie. [This is the third installment of a three-part series examining index funds. In Part I, we looked at the managed mutual fund market. In Part II, we looked at how an index is calculated and what an index fund is. In this installment, we'll consider how to evaluate index funds and where to buy them.] Despite that managed mutual funds still dominate the mutual fund landscape, since 2007, there has been a steady migration of assets from managed funds to index funds and ETFs (most of which are indexed). In fact, there are more than 350 index funds…
  • What you need to succeed against the odds

    Linda Vergon
    24 Aug 2015 | 4:00 am
    This article is by editor Linda Vergon. It’s the end of summer and some of us are going back to school, trying to learn more, become more. Others are already established in their professions, working to build the life of their dreams. Maybe you’re someone that got knocked down and have to build your dreams over again. Maybe you started out the year with a resolution, a goal, or a purpose to achieve. Where are you in your pursuit? Have you reached it yet? Is there more ground to cover? It doesn’t matter what you set out to accomplish. There’s one thing you’ll need if you are to…
 
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    Consumerism Commentary

  • New baby? Here’s your new account checklist

    Robert DiGiacomo
    25 Aug 2015 | 1:00 am
    Your baby has just been born and no doubt turned every aspect of your life upside down in the best possible way. Now is the time to make sure your financial house is in order. Here’s a 10-step account and financial checklist to lay the groundwork for your little one’s successful future. New account checklist for new babies 1. Apply for a Social Security number for the baby: An SSI number is the linchpin to open a bank account in your child’s name, purchase savings bonds, obtain medical coverage and access government benefits. 2. Review your life insurance: If you don’t…
  • For better or worse: 5 ways to approach retirement

    Richard Barrington
    18 Aug 2015 | 1:00 am
    Retirement does not always go the way people expect. While no two experiences are exactly the same, over time it seems that people’s financial situations in retirement tend to fall into one of a few distinct categories. As you think ahead to how you want your retirement to go, keep the following categories in mind. They offer useful examples of what to avoid and what you might want to emulate. 1. Keeping up appearances. Even though people tend to think of their finances as personal business, their wealth is often presented to the outside world in a variety of ways. While you probably…
  • 6 Ways Your Bank is Ripping You Off

    Richard Barrington
    11 Aug 2015 | 1:00 am
    The Occupy Wall Street movement seems to have faded away, but it is fair to say that banks are still not very popular institutions. Fairly or unfairly, the prevailing impression many folks have is that bankers are fat cats who make their fortunes at the expense of ordinary people. However, instead of being mad at bankers, perhaps consumers should be mad at themselves. Time and time again, people let banks get the better of them through careless banking habits. Here are six ways people willingly give up money to their banks when they don’t have to: 1. Savings account rates Whether you…
  • Why Lending Rates Can’t Stay Low Forever

    Richard Barrington
    4 Aug 2015 | 1:00 am
    For an organization that keeps announcing it hasn’t made a decision yet, the Federal Reserve sure gets a lot of media attention. And yes, the discussion of when and if the Fed is going to raise interest rates can get a little tedious, but it still probably deserves some of your attention because interest rates are woven so deeply into the fabric of household finances. The following is a look at what’s up with the Fed, what it may mean to you, and what you should do about it. Recent Fed meetings — much ado about nothing For over a year now, there has been rampant speculation…
  • Hurry While Discover’s Double Miles Deal Lasts

    Curtis Arnold
    21 Jul 2015 | 2:30 am
    Whether you’re planning a very special trip next year or just travel a lot, there’s currently a limited-time offer you really ought to think seriously about. The Discover it® Miles-Double Miles your first year card is effectively offering double miles for the first year after new cardholders (but not existing ones) open their accounts. Here’s how it works: After the first consecutive 12 billing periods that your new account is open, Discover will double all the miles you’ve earned and apply them to your account in the next billing cycle. Cardholders earn 1.5x miles…
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    Forbes - Personal Finance

  • Americans Prioritize Wealth Over Health

    Nancy Anderson
    30 Aug 2015 | 6:09 pm
    In funding retirement, we are essentially on our own.
  • 5 Money Lessons Students Should (But Usually Don't) Learn In School

    Beth Braverman
    30 Aug 2015 | 10:34 am
    High school students with basic financial literacy skills are better equipped to understand the important financial implications of the decisions that they make about which college to attend and how to pay for it. Here are five money lessons that every teenager should be taught:
  • 20 Million Men Active On Ashley Madison: Why That Is A Great Wake-Up Call For Women

    Emma Johnson
    30 Aug 2015 | 9:05 am
    The numbers are compelling: an estimated 20 million men were active members of affair-seeking site Ashley Madison. I crunched the numbers (see bottom of post for details), and estimate that about one in six married men in the United States were on the site. You know six married men. I know at least six married men. At least one in six of them was on Ashley Madison. Of course, there are a zillion other ways to find sex or romantic companionship with someone who is not your wife. I don't need to spell them out, because you are an adult, and…
  • Which Retirement Account Should I Fund?

    David John Marotta
    30 Aug 2015 | 8:57 am
    There are several types of retirement accounts. Which account you should fund depends on your circumstances. However, here are some general guidelines you can follow to make your decision.
  • How To Lend Money To Family Or Friends (If You Must)

    Next Avenue
    30 Aug 2015 | 7:44 am
    Money pros often advise against lending cash to relatives or buddies. But if you need to, follow these rules to make the transaction work for both parties.
 
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    Yahoo News - Latest News & Headlines

  • White House renames Mount McKinley as Denali on eve of trip

    30 Aug 2015 | 6:00 pm
    President Barack Obama will change the name of North America's tallest mountain peak from Mount McKinley to Denali, the White House said Sunday, a major symbolic gesture to Alaska Natives on the eve of the president's historic visit to Alaska.
  • 'Awakenings' author, neurologist Oliver Sacks dies at 82

    30 Aug 2015 | 10:55 am
    NEW YORK (AP) — There was the blind man who had the disastrous experience of regaining his sight. The surgeon who developed a sudden passion for music after being struck by lightning. And most famously, the man who mistook his wife for a hat.
  • Americans are 'cutting the cord'

    28 Aug 2015 | 1:12 pm
    Dozens of apps, subscription services and devices can help you ditch your cable company without facing any FOMO. Cable companies are scrambling to catch up by building better bundles and providing more options to their consumers.
  • Walker says wall along Canadian border worth reviewing

    30 Aug 2015 | 8:40 am
    WASHINGTON (AP) — Wisconsin Gov. Scott Walker is putting a new twist on the topic of securing the border, a staple among the GOP candidates running for president, by pointing north.
  • Sharper forecasts may help avert repeat of Katrina disaster

    30 Aug 2015 | 5:09 am
    By David Adams MIAMI (Reuters) - The science of predicting hurricanes has come a long way since Katrina caught New Orleans officials off guard 10 years ago. A range of technological advances, from a new generation of satellites to supercomputers and unmanned drones, promises more-accurate forecasts that would increase public officials' confidence in weather experts' advice. If authorities were quicker to heed warnings about the devastating potential of Katrina before it made landfall in Louisiana on Monday, Aug. 29, 2005, some of the nearly 1,800 lives that were lost may have been…
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    My Money Blog

  • Free FICO Score from Citi Credit Cards

    Jonathan Ping
    30 Aug 2015 | 1:51 pm
    This post provides updated information and instructions regarding the free FICO score that is available to Citibank credit card holders. Background. While their plans were announced in late 2014, Citi started offering free FICO scores to select cardholders in January 2014. FICO Score details. FICO Score version: FICO® Bankcard Score 8 model. This is an industry-specific model tailored to credit card decisioning, with a range of 250 to 900. (The “classic” FICO range is 300-850.) This is one of the many FICO flavors. Score version is taken directly from Citi website and press…
  • Free FICO Score from Discover Credit Cards

    Jonathan Ping
    30 Aug 2015 | 1:50 pm
    This post provides updated information and instructions regarding the free FICO score that is available to Discover credit card holders. Background. While a pilot program started in late 2013, Discover started offering a free FICO score to all cardholders in early 2014. FICO Score details. FICO Score version: FICO Score 8, or FICO 08. This is the most widely used of the many FICO flavors. Score version is directly from TransUnion representative. Credit bureau: TransUnion Update frequency: Monthly Limitations: Available to all Discover consumer cards. This includes: Discover it® Card Discover…
  • Stock Investing: Taking Your Money Off The Table Until Things Calm Down?

    Jonathan Ping
    27 Aug 2015 | 10:31 pm
    Like most articles you’ve seen about about the recent market gyrations, I think people with long-term investments should act like it and not do anything special. But really, the past several days was nothing compared to real fear and uncertainty. In early 2009, a phrase I heard often was “I’m just going to take some money off the table until things calm down. Why risk it?” Well, here’s a chart from FiveThirtyEight.com comparing the results of a “cautious, play-it-safe” investor and the “do-nothing” investor: Imagine two people who each…
  • Amazon Underground: 450+ Free Android Apps with Free In-App Purchases

    Jonathan Ping
    26 Aug 2015 | 11:50 pm
    If you have an Android smartphone or tablet, Amazon just released Amazon Underground, which adds a collection of 450+ apps which have agreed to be 100% free, including all in-app purchases. Amazon will somehow pay the publishers based on how much time you spend use each specific app. You pay nothing. Looking over the list of available apps, I see an Office document viewer, a photo editor, a mobile PDF scanner, and a bunch of games. I don’t play games much so I can’t tell which are good, but I recognize a few like Cut the Rope, Angry Birds, and Fruit Ninja. There are also several…
  • Free FICO Score from American Express Credit Cards

    Jonathan Ping
    26 Aug 2015 | 11:49 pm
    This post provides updated information and instructions regarding the free FICO score that is available to American Express credit card holders. Background. In late 2014, American Express started piloting free FICO scores to select cardholders. In late August 2015, American Express has rolled out the free FICO scores much more widely. See additional information below. In previous years, AmEx cardholders could view their Experian PLUS credit score and credit report once every 12 months. FICO Score details. FICO Score version: FICO Score 8, or FICO 08. This is the most widely used of the many…
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    The Simple Dollar The Simple Dollar

  • Fed Up With Verizon and AT&T? Try One of These Cheap Cell Phone Plans Instead

    Holly Johnson
    30 Aug 2015 | 8:00 am
    Photo: Robert Scoble Are you starting to despise your Verizon Wireless cellphone bill? If so, you’re probably not alone. According to CBS News, the average Verizon phone bill surged to a level never seen before late last year – $148 per customer, per month. In case you don’t want to do the math, that’s a whopping of $1,776 per year. Further, all of the other big carriers – Sprint, AT&T, and T-Mobile – had average bills of $120 per month or more last year. Even worse, many of the “big carriers” are now asking you to pay $20 or more per month to lease a…
  • Eleven Strategies for Minimizing and Avoiding Shopping

    Trent Hamm
    29 Aug 2015 | 7:00 am
    I have found that, time and time again, the act of going shopping causes almost all of the money leaks in my life. It seems like it’s common sense, but it’s true – whenever I go to a store or visit an online store, I tend to spend money, and it’s often money spent on things that really aren’t the smartest things to buy. It happens in the grocery store. I have to go there, but whenever I do, I usually end up making an impulse buy or two, adding something to my cart that isn’t on my list. It happens at hobby stores. If I happen to see a store related to a…
  • What’s Your Money Personality?

    Ilona Abramova
    28 Aug 2015 | 12:00 pm
    How sharp are your financial instincts? Do you boast a banker’s savvy sense for cents, or is your freewheeling financial style more care-free than careful? Take our quiz to discover your money personality: Powered by Interact How to Make Saving a Habit Developing good money habits can help make successful finance choices become second-nature. And ditching bad habits can help you save money, too. Need a little help honing your financial instincts? Check out these posts: How to Save Money: 100 Great Tips to Get You Started 60 Simple Rules of Personal Finance 40 Ways to Save Money…
  • Some Thoughts on the ‘American Dream’

    Trent Hamm
    28 Aug 2015 | 7:00 am
    Are you working toward your own version of prosperity and the American Dream… or Hollywood’s? Photo: Prayitno One of the ideals that was taught to me as a child is best expressed today as the “American dream,” that every American should have an equal opportunity to achieve success and prosperity through hard work, determination, and initiative. It’s a great, flowery idea, but what does it actually mean? Let’s start with prosperity. It’s a good place to start. Google defines “prosperity” as the state of being prosperous (which isn’t…
  • Do You Need Rental Car Insurance?

    Saundra Latham
    27 Aug 2015 | 11:00 am
    After a long, exhausting flight, it’s easy to give in to the rental car insurance pitch. But is it worth it? Photo: Peanutian It’s a familiar scenario for anyone who has rented a car lately: You’re tired after a long flight, and it’s finally your turn at the rental car counter. The agent is pleasant until it’s time to talk insurance, when he rattles off all the dire potential consequences of declining the company’s coverage. You’re tempted to buy the insurance, get him off your back, and get on with your trip. Hold up, though: Before you spend a mint on rental car insurance,…
 
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    Wise Bread

  • 6 Ways to Save Money on Family Road Trips

    Elizabeth Lang
    28 Aug 2015 | 1:00 pm
    This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. Please visit our Advertiser Disclosure to view our partners, and for additional details. There's almost nothing more American than a family road trip, except...
  • Best Money Tips: Ways to Save $10 a Day

    Amy Lu
    28 Aug 2015 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on ways to save $10 a day, mindsets that will change your money habits, and the best herbs for your fall garden. Top 5 Articles 10 Tricks to Save $10 a Day — Whether you're dining out or cooking at home, save...
  • 8 Ways College Students Can Save Money Before Class Starts

    Kyle James
    28 Aug 2015 | 10:00 am
    College tuition and housing is expensive enough on its own. But then you start adding up all of the other college costs, both in and out of the classroom, and things can become quite overwhelming. Fortunately, there are ways to save significant money on expenses if you do some planning and look for...
  • 8 Common Car Repair Mistakes That Can Cost You

    Mikey Rox
    28 Aug 2015 | 8:00 am
    Until I bought my first new car with my own hard-earned cash, I took my previous, very used cars for granted. Maintenance schmaintenance, I thought — even though that likely resulted in most of those vehicles straight-up punking out on me. Like, stopping in the middle of the road and never...
  • 10+ Smart Ways to Get a Small Business Loan

    Damian Davila
    28 Aug 2015 | 6:00 am
    Money is the lifeline of any small business. And using financing to maintain healthy cash flow can be essential for a sustainable operation. Still, when it comes to seeking financing, some business owners may not know where to begin. There are now more options than ever for the hopeful...
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    Bargaineering

  • Everyone wants my money! Here’s how to say ‘No’ and still be a charitable and generous person

    Dawn Papandrea
    20 Aug 2015 | 12:00 am
    Dawn PapandreaSchool and church fundraisers. Donation requests at every grocery store checkout line. Facebook and Twitter friends asking for support for their fundraising efforts. Tip jars at deli counters. Girl Scout cookie drives. The pleas for my money never seem to end. And because it’s $1 here, $10 there, I’m a sucker for helping out. I [...]Everyone wants my money! Here’s how to say ‘No’ and still be a charitable and generous person from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • 9 dumb moves to financial failure

    Jen A. Miller
    10 Aug 2015 | 12:00 am
    Jen A. MillerAt Bargaineering we usually talk about ways to save money, imparting practical advice on the best ways to get the most bang for your buck. But it’s summer, and things are a little goofy, so today we’re going to suggest a few ways to wreck your finances and stop building wealth. So here’s nine dumb [...]9 dumb moves to financial failure from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • Non-stop price hikes make Disney vacays a stretch

    Mitch Strohm
    30 Jul 2015 | 12:00 am
    Mitch StrohmTaking a family vacation to a Disney theme park was once an affordable escape. Sadly, that’s not the case anymore. The price of admittance into the Magic Kingdom has jumped up to $105 per person ($99 for kids ages 3 to 9) — a far cry from the $3.50 it cost to get in when [...]Non-stop price hikes make Disney vacays a stretch from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • 6 simple ways to save more and worry less

    Rachel Hartman
    20 Jul 2015 | 12:00 am
    Rachel HartmanIf you had to rely on your savings to live, do you know how long it would last? Forty-seven percent of Americans said their savings would last three months or less if they went through a financial crisis, according to a recent survey by NeighborWorks America. Whether your stash is large, small, or somewhere in [...]6 simple ways to save more and worry less from personal finance blog Bargaineering.com. This blog was posted by Rachel Hartman
  • My plan to enjoy summer without overspending

    Dawn Papandrea
    9 Jul 2015 | 12:00 am
    Dawn PapandreaOverspending on vacations. Day trips that wind up more pricey than planned. Keeping the kids entertained on a boring day. Summer can get very expensive, very quickly! This year I’m determined to keep a lid on those costs. I’ve come up with a plan to have lots of carefree summertime fun without dipping into savings [...]My plan to enjoy summer without overspending from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
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    James Clear

  • World Chess Champion Garry Kasparov on How to Build Confidence in the Face of Fear

    James Clear
    17 Aug 2015 | 10:13 pm
    Garry Kasparov and his long-time rival Anatoly Karpov—two of the greatest chess players of all-time—took their respective seats around the chess board. The 1990 World Chess Championship was about to begin. The two men would play 24 games to decide the champion with the highest scoring player being declared the World Chess Champion. In total, the match would stretch for three months with the first 12 games taking place in New York and the final 12 games being played in Lyon, France. Kasparov started off well, but soon began to make mistakes. He lost the seventh game and let…
  • Getting to Simple: How Do Experts Figure out the Correct Things to Focus On?

    James Clear
    13 Aug 2015 | 9:29 pm
    Peak performance experts say things like, “You should focus. You need to eliminate the distractions. Commit to one thing and become great at that thing.” This is good advice. The more I study successful people from all walks of life—artists, athletes, entrepreneurs, scientists—the more I believe focus is a core factor of success. But there is a problem with this advice too. Of the many options in front of you, how do you know what to focus on? How do you know where to direct your energy and attention? How do you determine the one thing that you should commit to doing? I…
  • First Principles: Elon Musk and Bill Thurston on the Power of Thinking for Yourself

    James Clear
    10 Aug 2015 | 10:44 pm
    Bill Thurston was a pioneer in the field of mathematics. He was particularly known for his contributions to low-dimensional topology, 3-manifolds, and foliation theory—concepts that sound foreign to number-challenged mortals like you and me. In 1982, Thurston was awarded the Fields Medal, which is often considered the highest honor a mathematician can receive. One reason Thurston was able to contribute valuable insights to his field of mathematics was that he utilized a different set of mental models than his peers. In a paper he wrote for the American Mathematical Society—which,…
  • The Chemistry of Building Better Habits

    James Clear
    6 Aug 2015 | 11:37 pm
    There is a concept in chemistry known as activation energy. Here’s how it works: Activation energy is the minimum amount of energy that must be available for a chemical reaction to occur. Let’s say you are holding a match and that you gently touch it to the striking strip on the side of the match box. Nothing will happen because the energy needed to activate a chemical reaction and spark a fire is not present. However, if you strike the match against the strip with some force, then you create the friction and heat required to light the match on fire. The energy you added by striking…
  • August Reading List: 5 Good Books to Read This Month

    James Clear
    3 Aug 2015 | 9:42 pm
    It’s time for another edition of my reading list. In addition to the five books reviewed below, I maintain a complete list of the best books I’ve read across a wide range of disciplines. Here are a few of the top books I’ve read recently. A Short Guide to a Happy Life by Anna Quindlen Print | eBook | Audiobook The Book in Three Sentences: The only thing you have that nobody else has is control of your life. The hardest thing of all is to learn to love the journey, not the destination. Get a real life rather than frantically chasing the next level of success. Key Ideas: This is a…
 
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    fivecentnickel.com

  • 8 questions to ask before lending money to friends

    Richard Barrington
    25 Aug 2015 | 1:00 am
    It’s one of the most awkward questions a friend can ask you: “Will you lend me some money?” Awkward for your friend to have to ask, and awkward for you to have to answer. Saying “no” could adversely affect your friendship. However, saying “yes” could also put a strain on your friendship, and your finances. If you get asked that awkward question, you should follow up with eight questions of your own before you decide whether or not to lend a friend money. 1. Why does your friend need the money? Sometimes, there is a clear, one-time need for which a…
  • 6 reasons to overcome a fear of plastic

    Richard Barrington
    29 Jul 2015 | 1:00 am
    As I was coming of age, I became aware of too many examples of people who had gotten into trouble with credit card debt. It made me avoid getting a credit card for several years. Eventually, though, I overcame my fear of plastic, and realized it is the user and not the card that should be in control. A healthy concern about credit card use is not misplaced. After consumers reined in their spending in the immediate aftermath of the Great Recession, they have expanded their credit card debt in each of the last four years, and that debt is on the rise again in 2015. Still, having a credit card…
  • “Frugal” is not a dirty word

    Richard Barrington
    30 Jun 2015 | 1:00 am
    My wife and I were talking recently about a June 5, 2015, New York Times article that described the lifestyle of “Millionaires Who Are Frugal When They Don’t Have to Be.” It got me thinking about the word “frugal.” It will probably never be a sexy concept, but neither does it have to seem like a dirty word. The title of the article seems to conjure a slightly pejorative image — people who are well off but needlessly pinch pennies. The actual content of the article is more favorable. It focuses on people who have settled into a particular niche — the…
  • 7 financial lessons recent college grads still need

    Richard Barrington
    15 Jun 2015 | 1:00 am
    Around this time of the year, new college graduates are leaving their schools with a wealth of knowledge. At the end of their four (or six, or eight…) years of college, graduates have typically tackled a wide range of academic subjects, often with an impressive degree of complexity. Unfortunately, one type of lesson many of them are missing as they venture out into the real world is basic schooling in personal finance. Here are seven personal finance lessons that recent grads might find helpful, because they probably were not taught these things in school: Student loans need a repayment…
  • Is the tide turning for savings accounts?

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

  • Which Day of the Week Has the Best Stock Market Performance?

    JLP
    29 Aug 2015 | 1:30 pm
    I heard the following in Richard Thaler’s book Misbehaving: The Making of Behavioral Economics* the other day: “Stocks tend to go up on Fridays and down on Mondays.” Of course I can’t just read or hear—I was listening to the Audible version of the book—something like that and not investigate it. In my spreadsheets, I found a copy of the daily closing prices for the Dow Jones Industrial Average going back to 1928. I updated it through Monday’s (August 24, 2015) closing price and ran the numbers. Below is what I found: DOW JONES INDUSTRIAL AVERAGE…
  • A Brief Look at China’s Indexes

    JLP
    26 Aug 2015 | 6:04 am
    For kicks, I decided to take a look at China’s MSCI Indexes. I haven’t seen anything like this in years. Wow. MSCI Index MTD 3MTD YTD ALL CHINA + HONG KONG + TAIWAN -17.52% -31.23% -11.70% GOLDEN DRAGON -13.81% -24.04% -11.63% GOLDEN DRAGON (A exB) -17.55% -31.44% -11.18% GOLDEN DRAGON (A) -17.56% -31.46% -11.20% GOLDEN DRAGON + OVERSEAS CHINA -14.03% -24.17% -12.54% HONG KONG+ -12.61% -21.23% -8.48% ZHONG HUA -13.82% -24.55% -9.87% ZHONG HUA (A) -18.13% -32.70% -10.20% ZHONG HUA (A) + HSBC -17.73% -31.91% -10.45% ZHONG HUA (A) ex HONG KONG -18.83% -34.73% -10.82% ZHONG HUA + HSBC…
  • The 25 Worst One-Day Losses for the Dow Jones Industrial Average

    JLP
    25 Aug 2015 | 8:00 am
    Yesterday’s market craziness had lots of people on edge. One article I read (from Fortune, mind you) focused on yesterday’s point loss and compared it to other point losses. I’ll admit, when the market opened down over 1,000 points, I thought, “Wow!” Had that number stuck, it would have been by far the largest decline for the Dow Jones Industrial Average. As you can see from the following table, yesterday’s loss of 588.40 was the eighth largest decline in the history of the Dow Jones. RANK POINT LOSS DATE 1 -777.68 Monday, September 29, 2008 2 -733.08…
  • Sale, Sale, Sale (the Way We SHOULD Look at Market Declines)

    JLP
    24 Aug 2015 | 4:28 pm
    I try to look at things differently. Let’s face it, market declines like we have seen in the last week are no fun—especially for those of us who have built up sizable retirement accounts over the years. That said, stock market declines are not all bad. One way to think about them is imagine you are in a store that is having a BIG SALE and your goal is to stock up. I did some research and looked at the price changes for the stocks in the S&P 500 Index (my S&P 500 Index component source returned 502 stocks) from Friday’s close (08/21/2015) to today’s close…
  • Wow…

    JLP
    24 Aug 2015 | 7:28 am
    Take a look at the following image that I snagged off the WSJ Markets page: As you can see, the DJIA has made up about half of its opening loss. Sounds good until you realize it’s still down 432 points. It’s going to be a long day.
 
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    Personal Finance Advice

  • Back to School Savings in September

    Will Lipovsky
    28 Aug 2015 | 12:26 pm
    Back to school shopping is traditionally a big event, but more families are saying, “Meh,” to it. According to a Deloitte study, 38 percent of K-12 parents say they don’t care so much about back-to-school shopping because they get what … Continue reading →
  • Is Citi Price Rewind Worth the Effort?

    Will Lipovsky
    28 Aug 2015 | 11:30 am
    Wouldn’t it be nice to know you’re always getting the best price? What if you could just go out and buy the things you need without worrying about price? Citi Price Rewind attempts to make that a reality. But does it … Continue reading →
  • Reasons to Use Costco Checks

    Will Lipovsky
    27 Aug 2015 | 2:19 pm
    Most people don’t realize they can get cheap checks by using a check printing service outside of the bank. Costco checks are known for being affordable and easy to order. They save you money while giving you more design options that … Continue reading →
  • How to Use the Chase Freedom Calendar

    Will Lipovsky
    27 Aug 2015 | 1:27 pm
    The Chase Freedom card offers users a revolving calendar, allowing users to earn cash back on different shopping categories throughout the year. The calendar changes categories every three months on this no-annual-fee cash back credit card. The card stands out … Continue reading →
  • Verizon FiOS Promotion Codes Don’t Exist – Here’s How to Get the Best Deals

    Will Lipovsky
    26 Aug 2015 | 4:57 pm
    Verizon is always offering some sort of deal on FiOS service, but you don’t need promotion codes to get them. You can save on bundles or get introductory rates if you’re new to FiOS. Sites like Retailmenot.com and Coupons.com can … Continue reading →
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    Mighty Bargain Hunter

  • Pay in a lump sum, or in installments?

    John Wedding
    29 Aug 2015 | 8:12 pm
    If you have the option of paying for something in full, or paying for it in installments, which method do you choose?  A number of factors play into making a wise decision. It’s good advice to consider expensive purchases carefully before buying.  And the more expensive the purchase, the more consideration you should give.  A good rule of thumb is to wait one day for each $100 that the item costs. Often we’re presented with payment options for a large purchase. These may include a one-time payment option, or periodic options like annual, quarterly, or monthly payments. We…
  • Is a health care sharing ministry a good deal?

    John Wedding
    11 Aug 2015 | 10:26 pm
    There was a good question asked over at the Money StackExchange site dealing with an alternative to conventional health insurance called a health care sharing ministry. The cogent parts of the question are below: … The basic idea of a health share is that it is a non-profit organization where members pledge to pay a certain amount of one another’s medical expenses. Technically, it is not insurance, but it sounds similar to insurance. I would like to know more about what the difference is between a health share and health insurance, as well as the risks and benefits of using one…
  • Seven-point checklist for healthcare credit cards

    John Wedding
    4 Aug 2015 | 9:56 pm
    Pets are expensive.  Not as expensive as children, but still expensive.  Costs can vary widely, but a cost of five figures over the 12- to 14-year lifetime of a dog is easy to hit. One of our dogs had a leg injury recently that will set us back a bit.  When we asked our vet about payment plans, she gave us a brochure for a healthcare credit card. On the face of it, the healthcare credit card offers interest-free payment of qualified expenses over time.  The card our vet offered allowed repayment over six, 12, or 18 months. Why the vet offered the card brochure But what’s the…
  • Cheap school supplies aren’t just for school!

    John Wedding
    28 Jul 2015 | 9:40 pm
    Our local Walmart stores really bring down prices for school supplies in the last weeks of summer.  Maybe yours do too.  Take advantage of this. A few days ago our family was playing Boggle.  (This game was a yard sale find.)  We each have our own single-subject spiral notebook when we play. When my wife said that hers was almost full, I admit my face lit up a bit.  “Ooh ooh … this is the time of year for cheap school supplies at Walmart!!!”  She looked at me and said, “No, we still have a box of them from the first time you bought those notebooks.” A…
  • Speeding through checkout with Walmart discounted gift cards

    John Wedding
    3 Jul 2015 | 3:11 pm
    We’ve been buying discounted gift cards from Cardpool and here’s how we’re making checkout a bit faster … I’m a regular customer of discounted gift card sites.  We do our best to buy and use them safely, and it takes a decent chunk out of our Walmart trips.  (Nothing to retire on, but a decent chunk nonetheless.) Cardpool sells what it calls “printable electronic gift cards” for Walmart and a number of other businesses.  These are good deals for a number of reasons: They are sent by email, often instantly.  I’ve bought printable electronic…
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    HappinessWala

  • Simple Hack for Happiness

    happy
    27 Aug 2015 | 10:15 pm
    Once a group of 50 people was attending a seminar. Suddenly the speaker stopped and started giving each one a balloon. Each one was asked to write his/her name on it using a marker pen. Then all the balloons were collected and put in another room. Now these delegates were let in that room and asked to find the balloon which had their name written, within 5 minutes. Everyone was frantically searching for their name, colliding with each other, pushing around others and there was utter chaos. At the end of 5 minutes no one could find their own balloon. Now each one was asked to randomly…
  • Getting Started with Money Management

    happy
    26 Aug 2015 | 11:16 pm
    We have started this series on money management with Pay Yourself First. You may also check out the book, Lights Camera Action Steps on Money Management Money management is an important life skill. Unfortunately, most of us learn it after various hits and trials on our own. However, the good news is that money management can be learnt. And it is not rocket science but simple common sense. The guiding principles to manage your money would be: Know Yourself Know how your money is doing Make Your Money Work: (And not just you work for Money!) Know Yourself: We have a very vague idea about our…
  • Pay Yourself First

    happy
    26 Aug 2015 | 1:17 am
    Pay Yourself First is a foundation principle of money management. Though it’s simple to understand, in reality very few people know how to use the principle. The phrase “pay yourself first” means that instead of paying all your bills and expenses first and then saving whatever is left over, do the opposite. Set aside money for investing, retirement, college, a down payment, or whatever requires a long-term effort, and then take care of everything else. Because the savings contributions are automatically routed from each pay-check to your investment account, this process is…
  • Trek to Naneghat and Nanacha Angtha

    happy
    25 Aug 2015 | 12:43 am
    Jitendra wrote about the Prabalgad trek earlier and he’s back with another account of a trek to Naneghat on the famed Malshej Ghats. Over to Jitendra! Trek Date :  22/08/2015 Trekkers: Sumant ( Lead),Saagar Kale, Ranjan and Myself(Jitendra) Trek Prep: The location was finalised by 20th August. A day before we did shopping for energy drinks,Banana and some snacks. I also hired a driver to take us to the base location and taking us back in the evening. We all briefly talked about time and other co-ordination and got ready for the day. Trek Day: I got up at 5:00 am while my wife…
  • How LIC Combines Insurance & Investment Together?

    happy
    24 Aug 2015 | 6:57 am
    A Certified Financial Planner would warn you that the most common investing mistake that people do in India is to mix investments with insurance. However LIC, the big daddy in the insurance industry has launched a new plan that is a unit linked Endowment plan which offers investment cum insurance cover. Here’s a bird eye view of the investment and insurance angle of the LIC new plan: Apart from this bird view, you also need to factor the tax benefits in the LIC plan. If you want to dig deeper, here are some more details: (Link to LIC’s product description)     The post…
 
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    My Open Wallet

  • Yowza, the Stock Market!

    Madame X
    26 Aug 2015 | 6:00 am
    Normally I'm a very hands-off investor. I go for long periods without paying much attention while my various holdings drift up and down in value-- hopefully, mostly up! But in the last year or so, I've been putting more cash into the market, and paying a bit more attention. This is largely because I've had more cash to invest-- my own savings and the proceeds from selling my condo, and more recently, my mother's trusts.I continue to mostly invest in a mix mutual funds, some just index funds and some with other mixes of assets-- nothing really sector-specialized, just some bond funds and…
  • More on Being a Trustee

    Madame X
    24 Aug 2015 | 6:00 am
    Ok, so we left off with the big package of legal documents arriving for me to sign. First, there was the irrevocable trust document. This spelled out that my mother was putting $350,000 in this trust and waiving all rights and title to the principal forever. It names me as trustee, and talks about various ways I’m allowed to make decisions about investing the money. It says I have to distribute net income quarterly to my mother, and provide a full accounting of the trust’s transactions annually. There’s also a lot of stuff about how a the trustee can be changed later if necessary, and…
  • My Mother's Estate Planning: In Madame X She Trusts!

    Madame X
    20 Jul 2015 | 6:00 am
    This past week, I've had to learn a few things about trusts. I'm now officially a trustee!The whole trust issue first came up after my dad had surgery for brain cancer. We'd managed to get him to a lawyer to quickly draw up a will for the first time on an emergency basis just before his surgery. A couple of months later, he and my mom went back to a lawyer to revise the estate planning, along with my sister, and me on a conference call. The lawyer advised them to put most of their assets in a revocable trust and he drew up some documents to that effect. What I later found out, though, was…
  • Homeless

    Madame X
    15 Jun 2015 | 6:00 am
    When I was waiting to close on my newly-constructed condo, I jokingly called myself "homeless" for a few months because I had to stay with relatives and sublet apartments after moving out of my own rental apartment. My property was mostly in storage and I was living out of a couple of suitcases and garbage bags full of linens. "Home" for me has for many years been defined as my own apartment in NYC, where I live. But sometimes I catch myself referring to "home" in the sense of the home where I grew up. My hometown.The older I got, the less I'd say that. My parents bought the house I grew up…
  • Mom is Selling Her House!

    Madame X
    29 Apr 2015 | 6:00 am
    Fingers crossed that this works out, but as I write this, my mom has accepted an offer for her house. This is exciting and sad and scary. If all goes well, it will keep her from wasting all her income on maintaining a single family house. She spent thousands of dollars this past winter just on snow removal! But it does worry me a little about turning her biggest asset into cash, as cash has a way of slipping through my mother's fingers very quickly. At one point she talked about putting a lot of the proceeds in trust for me and my sister, but I am not sure if she still plans to do that. If…
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    7million7years

  • What to do when $10m drops into your lap …

    Adrian
    4 Aug 2015 | 3:50 am
    I was asked the following question: I’m 28 and just came into some money (8 figures). About 70% is invested in stocks and the rest is cash. I don’t want all the money tied up in stocks. Should I buy apartments or land and build my own apartments? Now ” 8 figures” is a lot of money … somewhere between $10 million and $99 million; I imagine, more than enough to retire on for any of my readers. I retired at 49 years old having made $7 million (in 7 years), and had no desire to continue growing my money. In fact, there’s two things to consider: 1. You can…
  • What is the quickest way to pay off debt?

    Adrian
    27 Jun 2015 | 8:10 pm
    The common answer is to arrange the debt that you owe either by size (popularised by Dave Ramsey as the Debt Snowball) or by interest rate (see Debt Avalanche Definition | Investopedia). But, both of these methods are flawed because they incorrectly assume all debt is bad (see Good Debt Vs. Bad Debt), but this is only true before you take on debt. But, once you have taken on debt, debt is either cheap or expensive and requires a whole new way of thinking … There’s an old adage that says a penny saved is a penny earned. Well, this is also true for debt, where the…
  • The One Sign You Will Be Rich?

    Adrian
    24 Nov 2014 | 11:20 pm
    Looking back on my last 14 or so years, I can tell you that this really is the one sign that you will be rich (according to a guy who runs a successful startup): Have you thought about what foreshadows who will become truly rich? It’s remarkable how clear the one sign really is when you think about it. “There are many types of rich — and I am talking about both external and internal rewards. Being rich is about having an abundance of what matters to you most.” Money and happiness, although complex, are linked says economist Justin Wolfers. Obviously, there are many ways to measure…
  • What are the most important lessons to learn about personal finance?

    Adrian
    27 May 2014 | 1:43 am
    Everybody has an opinion about the most important financial lessons that you can learn about personal finance. Just look at how many personal finance blogs there are [Hint: over 7,000 are listed] … and, here I am adding one more blog to that long list. What do these blogs suggest? What do they say are the most important lessons that their authors have learned along the way? Is it to avoid debt? Probably [here are 50 blogs just focussed on debt reduction]. Perhaps, you need an emergency fund? Of course [Googling “emergency fund” brings up 1,050,000 results]. How about…
  • I am 21 and clueless …

    Adrian
    20 May 2014 | 7:33 pm
    This is quite typical of the types of questions that I receive from time to time: I’m 21, and am clueless about finance. I want to start up a business at my mid 20s. Should I opt for endowment plans or unit trust? The first thing you’ll notice is that there are no further details, as though there’s a ‘pat’ answer for every clueless 21 year old. Still, let me suggest the following if you are 21 years old and also want to start a business ‘one day’: 1. If you consider yourself clueless about personal finance, start by reading everything you can. Since…
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    Lazy Man and Money

  • My Dog Sitting Business is Taking Off!

    Lazy Man
    25 Aug 2015 | 6:30 am
    I mentioned a few weeks ago that I was going to try dog sitting to make some extra money. It's a perfect fit for me since I love dogs and work from home. I planned to wait a few months before writing an update. However, I'm going to jump the gun after a few weeks and declare it a success. I initially worried that I wouldn't get business because I had no reviews... and that would lead to getting no reviews since I had no business. In an attempt to steer clear of this, I put my prices below market rates. I also went the extra mile to make sure that my profile popped. I took pictures of our yard…
  • Saving Money on Food While Traveling?

    Lazy Man
    20 Aug 2015 | 8:15 am
    I don't like to do back-to-back "Ask the Readers", but today I'm going to break the (unwritten) rules. Our family is going on road-trip vacation soon. We are hopping from hotel to hotel bringing the kids to Sesame Place, Hershey Park, Crayola World, and the Philadephia children's museum. We are looking to be frugal on this vacation. The idea is to avoid spending a hundred dollars a day on food at restaurants. I'm sure we are going to spend some money on them, but we don't need to eat all three meals at them. So the question is, "What can we buy in advance and bring with us to make meals?" I'm…
  • Ask The Readers: Investing for Kids?

    Lazy Man
    19 Aug 2015 | 6:30 am
    A little more than a year ago, I wrote an article about whether or not to invest our babies' money. The advice was overwhelming. Since they aren't going to use this money (mostly birthday cash from relatives/friends) for quite some time, it should be invested on their behalf. Look at all this money! Unfortunately, I lived down to my Lazy name. I didn't invest the money. On the bright side, they probably haven't lost any money as I would have split it between domestic and foreign stocks. The domestic portion would have done well and the foreign, not so well. It's time to fix that. I'd like to…
  • Financial Freedom Through Live-In House Flips?

    Lazy Man
    18 Aug 2015 | 5:00 am
    I love reading articles where people reach financial freedom at an early age. A couple of weeks ago, I mentioned how Joe Udo is growing a dividend snowball to reach his financial freedom. Today, I bring you the story of Mr. 1500 of 1500 Days. I first met him at last year's personal finance convention, FinCon. Quite honestly, I saw his small plastic dinosaurs show up on my Twitter feed and figured I had to stop by and say hello to them. Gimmicky, yes... but it worked. Recently Mr. 1500 told his story of how he became a millionaire at the age of 40 on RockStar Finance. As he says on his own…
  • Get an ROI in College

    Lazy Man
    17 Aug 2015 | 7:45 am
    Over the last year, I've been collecting little snippets from the web on colleges and getting your money's worth. I may have collected too much information, because my brain is swirling trying to figure out how to organize it all. Let's start with student debt Most of this is a summary of the insights I heard from Mark Cuban on student debt, but it makes sense. Americans have 1.2 trillion dollars in student debt. That's a number so large that it drags on the economy. This debt causes young adults to delay buying houses, cars, and investing in their retirement. In short, instead of creating…
 
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    No Credit Needed

  • A Simple DIY Way To Make Mulch

    NCN
    19 Aug 2015 | 10:30 pm
    Like many folks, we have shrubbery beds surrounding our home.  Today, I had a few extra hours after work, so I grabbed my favorite pruning shears and began the process of pruning our shrubs. We have five major shrubbery beds – one for each side of the house and one that encircles a stand of oaks.  Over the years, I’ve used various material for mulching the beds – pines straw, fallen leaves, and bagged cypress mulch. Over time, whatever mulch is used will compact, disintegrate, and discolor.  So, instead of going out an purchasing some sort of mulch (or raking the…
  • Paying Off Our Mortgage – Update With Chart May 2015

    NCN
    30 May 2015 | 5:29 pm
    Whew!  We have had a busy few months – but I’m back with an update on our progress to payoff our mortgage.  For those new to the site – We have a fixed, conventional, fifteen-year mortgage. Our goal is to pay it off in less than 10 years. Our progress for the first five years was decent – and we managed to reduce the length of our mortgage by 7 months! I use a simple pie-chart to track our progress – and post our updates here at No Credit Needed. Having a visualization keeps us motivated! Here’s a chart with details for our current progress – The…
  • Paying Off Our Mortgage – Update With Chart March 2015

    NCN
    31 Mar 2015 | 8:27 pm
    It’s time for an update on our progress to payoff our mortgage – early.  Our progress chart is below, but first, a few words about our mortgage. We have a fixed, conventional, fifteen-year mortgage.  Our goal is to pay it off in less than 10 years.  Our progress for the first five years was decent – and we managed to reduce the length of our mortgage by 7 months!  However, that’s much slower than we initially planned.  So, over the past few months, we have stepped up our game – and we are aiming to payoff the entire remaining amount over the next five years.
  • DIY Projects – Fixing Stuff Around The House

    NCN
    13 Mar 2015 | 7:14 pm
    Over the past several weeks, I’ve spent my evenings and weekends working on various projects around the house: I replaced our dishwasher.  Our house is ten years old.  We have lived in it for five of those years.  Several months ago, our dishwasher stopped working properly.  I repaired it twice – changing out its pump and replacing the drain hose – but two weeks ago – it just died.  So, we purchased a newer, more energy efficient dishwasher.  We love the new one!  It’s much quieter and does a MUCH better job of washing the dishes.  This was a bit of a…
  • 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 –…
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    Blogging Away Debt

  • Happy Friday

    Ashley
    28 Aug 2015 | 6:07 am
    Hi, friends! It’s been a busy week (first week of classes and all)! It’s been crazy juggling everything but I really LOVE my job! I have so missed being in the classroom and am enjoying every second of it (though…..not so much with enjoying our faculty “retreat” which is being held at the STUDENT UNION on a SATURDAY AFTERNOON!!!! What the heck? In comparison, my last department always had the retreat at a fancy-pants resort with catered lunch on a weekday so it took the place of a workday. What kind of cheap stuff is this? I guess they’re just balancing the…
  • Floundering a Bit on a Plan – Too Much Going On

    Hope
    26 Aug 2015 | 3:00 am
    I am typically pretty decisive on my plan, but I’m really floundering this time around.  We just have alot going on at the same time.  And I’m struggling with my priority list.  So here I am asking for some feedback from you.  In a nutshell, here are the  things going on in my head that I’m trying to balance along with my debt payoff (these are listed in no particular order other than how they came to mind:) Kids Co Op Costs – As I mentioned last spring I am going to be teaching two classes this fall as our homeschool co op to off set the cost of the kids’…
  • Weekly Debt Update #22- Life After Debt

    Matt
    25 Aug 2015 | 2:26 pm
    This past week, I’ve done some thinking on what life after debt will be like once all my student loans are paid for. It’s actually something I think about quite often, well not really think per se, more like daydream. So this past week I started formulating plans of what I’m hoping to accomplish. I know a couple things I want to do for sure: Take a vacation. Not entirely sure where, yet, but I would love to do a 4 or 5 night stay at Universal Studios Orlando. I’m a big theme park guy and I haven’t been here in 15 or so years. From what I’m hearing about the…
  • Halloween 2015

    Ashley
    24 Aug 2015 | 11:00 am
    I know we’re still in August and just doing the back-to-school thing, but I want to skip ahead a bit and talk about Halloween! Last year we didn’t really “do” Halloween as a family because my friend got married, so I was busy with wedding festivities. As a result,  I’m extra excited about Halloween this year. It will be the girls’ first year to actually trick-or-treat door-to-door (they’re 3 years old). But you know what I’m NOT excited about? The price tag! Since we didn’t really celebrate the holiday last year I didn’t buy them costumes. Hubs dressed them up in the same…
  • Ashley’s August 2015 Debt Update

    Ashley
    24 Aug 2015 | 6:00 am
    Happy Monday, all! It’s officially the first day of the Fall semester for both of my jobs (the full-time in-person position & part-time online teaching position. If you didn’t hear – I recently posted the good news about keeping my online job!). I’m teaching two classes for each this semester (4 classes total), but only one is in-person, so I’ll be able to do most of my work online. I’m very grateful for the flexibility! I’ve already been a little swamped, but I’m getting by. It’s helped that I’ve had a very strict work…
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    Clever Dude Personal Finance & Money

  • I’m Putting My High School Student On A Lunch Budget!

    Brock
    26 Aug 2015 | 6:46 am
    In just a few days my son will be starting his junior year of high school. He’s about to embark upon the journey of a new school year where he’ll be taking new classes, making new friends, and making new memories. There’s something else new that he’ll be dealing with this school year. My son will be on a lunch budget. When I was in high school, we didn’t have the choices that he has. There was simply lunch. That’s it. My son’s high school cafeteria looks more like a restaurant. They have the base hot lunch, but they also have several other options to…
  • What Should I Do With a FREE Gym Membership?

    Brock
    24 Aug 2015 | 6:17 am
    I enjoy going to the gym. I really enjoy the full service health club I belong to, and I don’t mind the monthly payment because I use my membership every day. However, something happened last week that has me contemplating canceling my membership. I won a year membership to a different health club. A local television station is running a contest each time our regional NFL team has a televised preseason game. When the right commercial is broadcast, contestants can send a text message to the television station to enter, winners to be notified at noon the following Monday. Sitting in my…
  • Teens And Money: A Lesson in ATM Fees

    Brock
    21 Aug 2015 | 7:12 am
    I was looking through my son’s bank transactions recently when I noticed something that required a discussion. I saw that he had withdrawn money from his account, and was charged a $2.50 ATM fee.   When he received his debit card, I explained that he had easy access to his account using an ATM and his PIN, but we hadn’t talked about how to avoid fees. He knew he had paid the fee, as a message had popped up on the ATM. At that moment he didn’t think he had a choice because he was in a hurry and needed cash. He didn’t know that withdrawing cash from an ATM might actually cost him…
  • Health Care System Fail : It’s Your Money and your Health at Stake

    Brock
    19 Aug 2015 | 10:16 am
    As your stereotypical male, I don’t go to the doctor often. I believe that if given ample opportunity the amazing human body can usually heal itself.  I don’t go for an office visit unless something has been nagging me for weeks, or a body part has ceased to function. My lack of enthusiasm is reinforced by the fact that almost every time I do decide to make a venture into getting some medical treatment I’m reminded of just how messed up our health care system is. Take my most recent experience as an example. While I may be reluctant to go to the doctor when ill, I do place…
  • The Cost of Crashing: How to Protect Your Auto Insurance Premiums After a Collision

    James
    18 Aug 2015 | 8:29 am
    If you are unfortunate enough to be involved in a collision, often your second thought after confirming everyone is OK, is what will this do to my premiums? After your vehicle has been towed to a specialist auto repair center such as Glendale collision shops or somewhere similar that is approved, you can turn your attention to finding out what is going to happen to your auto insurance premiums once you make a claim. The news might not be as bad as you think If this is your first accident and it has been determined that you were at fault for the collision, this will mean that your insurer is…
 
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    Don't Mess With Taxes

  • Cadillac tax repeal on Senate's post-recess to-do list

    skbell1
    30 Aug 2015 | 2:28 pm
    Sen. Dean Heller (R-Nev.) plans to introduce legislation to repeal the Affordable Care Act's Cadillac tax when Congress reconvenes after Labor Day, according to National Journal.  It's not your grandfather's Cadillac that we're talking about in connection with Obamacare, although having this 1959 finned baby in my garage would definitely make me feel much better. The Affordable Care Act's Cadillac tax is a levy that will affect expensive employer provided medical coverage starting in 2018, unless it's repealed. (Image courtesy Travel and Trade South Africa)…
  • Treasury Secretaries are fans of 'Hamilton' musical

    skbell1
    29 Aug 2015 | 10:45 am
    Art and life have intersected once again, this time on Broadway. The hot new show on the Great White Way is "Hamilton," the musical about the United States' first Treasury Secretary Alexander Hamilton. It's getting rave reviews not just from the critics, but also the public, including some guys who have a special perspective. Three Treasury Secretaries, two former and the current, have been to see the show. Treasury Secretaries who've attended the Broadway musical "Hamilton" about the first man to hold their job include, from left to right, Timothy F.
  • Prepare now, financially & physically, for Tropical Storm Erika

    skbell1
    28 Aug 2015 | 11:53 am
    I love Florida, but this week made me really glad we no longer live there. I don't think my nerves could deal with the gyrations of the stock market and a tropical storm. Hurricanes and the financial markets share a lot of similarities. There are global implications and instigators in both phenomena. Tropical Storm Erika, now pounding the northern Caribbean, started off the west coast of Africa. It was China's market meltdown that led to this week's U.S. stock drops. Tropical Storm Erika, shown here on National Hurricane Center GOES radar, hit the Dominican Republic on Friday…
  • Still waiting for tax extenders. Is money the holdup?

    skbell1
    27 Aug 2015 | 10:42 am
    Oh, Congress. If we were dating, our relationship would be in Ashley Madison level trouble. The bad is that you are so predictable. Same old, same old political demagoguing and no action. Worse, all that talking plays into your tendency to procrastinate, which is incredibly annoying. Worst, your dilly-dallying is really messing up my and millions of other taxpayers' tax planning. Sir Patrick Stewart (left) and Sir Ian McKellen (right), two lions of British theater, teamed up in 2013 for a Broadway production of "Waiting for Godot." Waiting (again) for tax extenders: I am, of…
  • Lois Lerner used her dog's email to conduct IRS business

    skbell1
    26 Aug 2015 | 2:40 pm
    What is it with government employees and emails? Hillary Clinton's use of a personal email account to send some State Department messages has gotten a lot of attention and criticism. But the 2016 Democratic presidential candidate is not the only one. The commingling of business and personal email apparently is a common practice among those working for Uncle Sam. U.S. Ambassador to Japan Caroline Kennedy and other senior American diplomats there have used personal email accounts to conduct State Department business, according to a just-released inspector general report. And back in…
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    Money Smart Life

  • How to Protect Your Aging Parents From Financial Scams

    Kevin Mercadante
    17 Aug 2015 | 5:58 am
    It’s unfortunate but true that scam artists prey on the elderly. They often do this because a) the elderly often have a significant amount of money, and b) because the elderly, especially the very old, can often be confused. For this reason, you should consider ways to protect your aging parents from financial scams. Here are some strategies you can use… Put Their Phone Numbers on the Do Not Call Registry This doesn’t guarantee that your parents will never get scammed, but it will certainly reduce the chances of it happening. Direct phone calls are one of the favorite methods that scam…
  • Don’t Panic When Your Check Engine Light Comes On

    Kevin Mercadante
    5 Aug 2015 | 4:54 am
    I’m not at all what you would call a car guy, but that’s exactly why I decided to write an article on this topic. As someone who knows little about cars, and has seen the check engine light come on in his cars more than a few times over the years, I’m starting to become something of an expert on this problem. If you’re like me, or at least like the me that I used to be when I knew nothing about this, you probably panic anytime the check engine light comes on. While it’s almost inevitable that it will create an uneasy feeling – mostly because you don’t know exactly what it…
  • Don’t Be Overwhelmed by Investing

    Miranda
    27 Jul 2015 | 7:46 am
    Many of us feel overwhelmed by investing, partly because there are myths about how difficult it is to invest and partly because we don’t understand all the technical terms and concepts we read about or hear financial professionals use. However, investing doesn’t have to be hard, and you don’t have to be overwhelmed. Here are a few strategies to help you avoid feeling overwhelmed by investing: Dollar Cost Averaging One of the best ways to stop feeling overwhelmed by investing is to make use of dollar cost averaging. This is a strategy that involves taking smaller amounts of…
  • How to Save Money on Youth Sports Equipment & Fees

    Ben Edwards
    20 Jul 2015 | 11:48 am
    How can you save money on youth sports? I’ve always loved saving money and the last few years our two young kids have played basketball, baseball, t-ball, and soccer so I guess it makes sense that I’d have a lot to share on the topic of cutting costs for youth sports. My suggestions will be most helpful to the parents of kids who play a sport for more than one season. If your child has shown an interest in a sport and you think you’ll be paying for them to play it for the next several seasons or even years these tips can save you a lot of money. The main cost categories of…
  • Why it’s Easy to Wake Up Broke & in Debt

    Ben Edwards
    7 Jul 2015 | 1:45 am
    If you had to pick between an easy option and a hard one, which would you be more likely to choose? The easy path isn’t always the wisest one. However, the fact that it’s easier can sometimes explain why we get ourselves into a mess in life. People my age place an emphasis on convenience. If there’s a fast & easy approach that’s the one we prefer. Taking the easy route isn’t necessarily bad but sometimes it means you’re giving up something in return for speed or convenience. Because we love fast and easy so much, it’s good to remember that there…
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    Queercents

  • Halloween Retailer to Sell Caitlyn Jenner Costume

    Elliot
    22 Aug 2015 | 5:04 pm
    Each year comes and goes and another Halloween sparks another controversial costume. You can only guess the most inappropriate Halloween costume of the year but its coming from an unlikely chain that could be in your neighborhood. The chain is Spirit! Costumes and they plan to sell a Caitlyn Jenner costume. Spirit Halloween who have […]
  • Discover Card features a PRIDE Card? Who knew?

    Elliot
    12 Jul 2015 | 8:36 pm
    Discover Card has had some of the best deals when it comes to credit cards this year especially on their double on everything promotion for new cardmembers. If you missed out on using your Discover It card the last few months for restaurant or bar/nightclub 5% cash back there is a lot more to get […]
  • AirBnB Released Beautiful LGBT Pride Video #HostWithPride

    Elliot
    25 Jun 2015 | 11:59 am
    The travel hosting service AirBnb who has been gaining ground on traditional hotels is on our side of history with the upcoming SCOTUS decision. “As we celebrate Pride and strive for a world where we all can belong anywhere, we made this film to celebrate those individuals who, like us, look forward to creating a […]
  • Should LGBT Boycott Fire Island Pines & Out NYC Hotel?

    Elliot
    24 Apr 2015 | 5:06 pm
    It seems each week there is another boycott to partake in from Chick-fil-a all the way to what toilet paper we use. I’ll get back to the toilet paper as I feel it is the most important thing to actually boycott right now. The big boycott right now goes to Mati Weiderpass and Ian Reisner […]
  • Free Hillary Clinton for President Stickers

    Elliot
    23 Apr 2015 | 3:34 pm
    Seems not long ago we were telling you about I am Ready for Hillary Clinton for President bumper stickers although that was before she officially announced. Now the former Secretary of State has announced her candidacy and we are highly excited. Go here to claim your free sticker that says I ♥ Hillary Clinton.
 
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    MoneyNing

  • Is a Motorcycle A Better Choice for a Second Vehicle?

    Jessica Sommerfield
    28 Aug 2015 | 6:00 am
    Moving to the greater Seattle area from a rural town in the Midwest meant getting used to changes. One of them was the increased traffic of a higher-population center. Even in a smaller ‘suburb’ of Seattle, traffic often slows to a crawl during the early morning rush hour or mid-afternoon commute, and that’s just on the highway. Our RAV4 doesn’t have the fuel efficiency of a compact car, but it’s a compact SUV which gets up to 24 mpg in the city, so it hardly classifies as a gas-guzzler. Still, we’ve recently started considering whether we’d like to get a second vehicle for…
  • Everything You Need To Know About Your Mortgage Escrow Account

    Travis Pizel
    27 Aug 2015 | 6:00 am
    My mortgage lender informed me that my escrow account, used to pay my homeowner’s insurance and property taxes, was underfunded recently. I could either send them a lump sum, or they could raise my monthly mortgage payment. The funny thing was that I received a check from my lender because my account was overfunded just last year. I was puzzled, as one of these two scenarios plays out every year. Is my lender acting on it’s own policies or are there laws governing the handling of escrow accounts? I decided to find out more about the inner workings of my escrow account. Is An…
  • Kids and Food: How to Turn Picky Eaters Around, and Save Money in the Process

    Ashley Eneriz
    26 Aug 2015 | 6:00 am
    I wouldn’t call my daughter a picky eater exactly. She has always been great about eating fruits and vegetables, but it was always on her terms. She would rather just play than actually sit and eat. What’s worst, she used her hunger as a bedtime stalling tactic many times in the past. Her eating preferences resulted in a lot of wasted food, time, and money over the past few years. Thankfully a few adjustments to our rules helped transform meal time and ultimately saves us money, so let me share those with you. Limit Snacks When I first read, Karen Le Billon’s “French Kids Eat…
  • How Much Do Pets Cost You?

    Miranda Marquit
    25 Aug 2015 | 6:00 am
    I’m not a pet person. I like animals fine and don’t mind others’ pets, but I don’t want my own. The closest we’ve come to owning a pet was having fishes a few years ago, but I’ve never had the desire for furry friends. Pets can be expensive if you care for them properly. On top of that, you also have to consider the time commitment and the care required by pets. While I’m not even overly thrilled about fishes, their relatively low cost (if you choose freshwater fish in a small tank) and low maintenance make them the most attractive pets for me.
  • 5 Reasons Your Budget Just Isn’t Working

    Connie Mei
    24 Aug 2015 | 6:00 am
    I hear people complain about budgeting all the time. Some just have a love/hate relationship with it. When I ask them why, the usual answers are ‘I hate math’, ‘it’s a waste of time’, or ‘it’s just too much work’. While all of these are legitimate reasons, there’s usually a bigger underlying reason: their budget doesn’t work for them. Maintaining a budget can definitely take up a lot of time and be overwhelming. But it doesn’t have to be as long as you set the budget up correctly. A lot of times, your budget isn’t working because you haven’t tailored it to your…
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    Money Blue Book

  • Making the most of an inheritance

    24 Aug 2015 | 11:04 pm
    The very worst thing about getting older is that your family and friends do too. And that, naturally enough, means they begin to die in increasing numbers. I lost my best friend three months ago. And, over the last decade, both my parents have died along with a score of friends who were very dear to [...]
  • Saving kids

    29 Jul 2015 | 4:34 pm
    To my late maternal grandparents, the Great Depression wasn't history. They lived through it. And, although they fared better than most during that difficult time, they were from a generation that learned to value financial security above almost anything else. I can still remember their taking me, a [...]
  • Can making money be joyful?

    29 Jun 2015 | 2:26 pm
    The trouble with having money is that you usually don't. Have money, I mean. Okay, you may keep a wad of banknotes or bag of gold coins somewhere safe, but generally speaking the only joy people with money have comes from bits of paper from their banks and brokers. In fact, in the digital age, they [...]
  • 4 ways to stop a wedding invite from breaking the bank

    28 May 2015 | 3:44 pm
    If you're like me, you're going to be a sucker for weddings. No quantity of divorce statistics or doubts about the gene pool from which one of the happy couple was derived is going to stop me loving every second. And I really don't care whether it's an over-flowered church affair followed by a recep [...]
  • The idiot's guide to saving for retirement

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

  • 3 Reasons to Cheer a Stock Market Crash

    Rob Berger
    30 Aug 2015 | 1:16 pm
    The stock market has been on a roller coaster ride this month. Just over a week ago the S&P 500 fell from over 2,100 to below 1,900, a drop of more than 10%. Then it recovered to finish last week at just under 2,000. What a ride! The financial press had a field day. Here are the front page articles from the WSJ during this time: 8/21 (Friday): Growth Fears Send Stocks Into Skid 8/22-23 (Weekend): Stock Plunge Picks Up Speed 8/24 (Monday): Market Rout Upends Winners, Losers 8/25 (Tuesday): Markets Reel in Global Selloff 8/26 (Wednesday): Late Tumble Dashes Hope for Rebound 8/27 (Thursday):…
  • 5 Ways Early Retirees Can Avoid the 10% Penalty on Early Distributions

    Kevin Mercadante
    24 Aug 2015 | 5:20 am
    One of the conundrums faced by anyone who wants to retire early is the 10% additional tax on certain early distributions from many retirement accounts.  For example, if you retire at 50, you won’t be able to access pre-tax retirement accounts without incurring the 10% additional tax, unless you qualify for one of the exceptions we’ll discuss below. Now let’s be certain of one thing – you can access money in a retirement plan anytime, and you will have to include the withdrawal as ordinary income, subject to regular income tax. So what we’re talking about here is the 10%…
  • Citi® Double Cash Card Review

    Abby Hayes
    20 Aug 2015 | 8:58 am
    The Citi® Double Cash Card  is a great option if you’re looking for an everyday use rewards card. Like many of today’s cash back credit card options, it doesn’t have a lot of purchase restrictions. You can earn 1% cash back – unlimited – on any purchase you make with the card. Unlike most other cards, the Citi® Double Cash card also rewards users for paying back purchases made on the card. It actually incentivizes users to pay off credit card debt, since the sooner you pay off your balance, the sooner you’ll earn more cash back. How it works The 1% cash back reward on…
  • The Perfect Asset Allocation Plan

    Rob Berger
    17 Aug 2015 | 7:12 am
    All to often we make investing far more complicated than it really is. I was guilty of this when I first started investing back in 1993. Like the search for the Holy Grail, I was convinced that there was a perfect asset allocation plan. And I searched for it. I spent hours upon hours trying to construct the perfect investment plan. I’ve mellowed a bit since then. I’ve ditched my micro cap value fund for a much simpler asset allocation. It’s not that a micro cap fund, or a China ETF, or mortgage REITs are bad investments. Rather, I’m no longer convinced that such asset…
  • Review of CommonBond: Crowdfunding for Student Loans

    Kevin Mercadante
    15 Aug 2015 | 4:23 am
    Crowdfunding has come to the student loan world, and it’s being led by a platform known as CommonBond. Based in New York City, CommonBond is a web platform designed to provide student loans to graduate students. As a for-profit company with a “strong social mission,” CommonBond has funded or refinanced over $200 million in student loans so far. Founded in 2012, the company’s goal is to lower the cost of graduate education by lowering the underlying costs of borrowing money. Further, this isn’t a simple student loan refinancing scheme. For example, the platform not only allows you to…
 
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    Hustler Money Blog

  • Discover Bank Money Market Review: 0.80% APY Rate

    J-Money
    30 Aug 2015 | 6:59 pm
    If you want a money market account that has high yields and flexible access to your cash, then I recommend applying for the Discover Bank Money Market account. If you have a balance under $100,000 then you will receive a 0.75% APY rate but if you have a balance over $100,000 then you will receive a 0.80% APY rate. Not only do you receive a good APY rate, but you also gain access to many features and benefits Discover Bank has to offer. From access to over 60,000 free atms, to flexible and easy ways to access your cash and manage your account, Discover Bank has all the tools necessary to…
  • Connexus Credit Union CD Account Review: 1.00% APY for 6-Month Term

    Baller
    30 Aug 2015 | 1:15 pm
    Available nationwide, Connexus Credit Union is offering customers the chance to sign up for an online CD account and earn at a competitive rate of 1.00% APY on a 6 month CD. You are eligible for this offer if you have an active checking account with the online bank. An active checking account is defined as having at least 1 Direct Deposit of net pay made to the account each month; having 10 checks, ACH withdrawals, and/or debit card transactions clear the account by the last business day of each month; and electing to receive eStatements. A CD account from Connexus Credit offers peace…
  • Ocwen, Assurant Force-Placed Insurance Class Action Lawsuit

    Baller
    30 Aug 2015 | 12:23 pm
    Mortgage lender Ocwen and insurance giant Assurant Inc. have agreed to settle a class action lawsuit concerning an insurance scheme that charged homeowners inflated premiums for hazard, flood, flood-gap, or wind insurance coverage forced on their properties. According to the Ocwen/Assurant Force-Placed Insurance Class Action Lawsuit, you are entitled to a cash or credit award if (between 1/1/2008 through 1/23/2015) you paid or have not paid and owe the premium for a hazard, flood, flood gap or wind-only LPI Policy for a residential property. Ocwen and Assurant allegedly entered…
  • USAA Active Military World MasterCard Review

    J-Money
    30 Aug 2015 | 8:34 am
    USAA believes that your sacrifices for this country have been great, which is why you should receive a great credit card. They are offering the USAA Active Military World MasterCard® that will give you many rewards, low interest rates, and no annual fee. They offer variable rates as low as 9.90% APR on purchases and cash advances, and you can choose either the Cash Rewards program or the USAA Rewards program. This card is really flexible and with no annual fee, I really recommend learning more about it. USAA Active Military World MasterCard Features: Collision damage waiver coverage pays…
  • Amex Sync J. MacLaughlin Twitter Promotion: $50 Statement Credit for $200 Purchase

    Baller
    29 Aug 2015 | 10:24 pm
    If you’re looking for high quality classic clothing with a modern twist, you may be interested in this offer for an Amex statement credit. As long as you have an American Express Credit Card and a Twitter account can get a $50 Statement Credit after $200 in purchases at J.McLaughlin or online at www.jmclaughlin.com. You only need to sync your AmEx cards to your Twitter account and tweet #AmexJMcLaughlin to get started. Once you have done so, you should receive a message from @amexsync informing you that the offer has been added to your card. Then you simply spend $200 or more…
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    Cash Money Life | Personal Finance, Investing, & Career

  • Six Lifestyle Choices You’ll Need to Make to Retire Early

    Kevin Mercadante
    13 Aug 2015 | 1:22 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Six Lifestyle Choices You’ll Need to Make to Retire Early. It sometimes seems as if everyone wants to retire early. In fact, if you spend enough time on personal finance blogs, you may even come to think that retiring early in the rule, rather than the exception. The reality however is that relatively few people will retire much before age 62 or 65. They may want to, but not many people are willing to do what’s necessary in order to make it happen. Early retirement requires that you…
  • Radius Bank Hybrid Checking Account – The New Standard in Banking?

    John Schroeder
    9 Jul 2015 | 6:57 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Radius Bank Hybrid Checking Account – The New Standard in Banking?. Every few years, a bank releases a new product or service that changes what consumers expect from their banks. ATM machines are a great example. Giving people access to cash, regardless of the time of day, and in many cases, location, was a game changer. So was online banking, which made it easy to pay bills online, transfer money, and in most cases, earn more interest than one can earn in a brick and mortar bank,…
  • 10 Cheap Date Ideas – Save Money without Sacrificing Romance

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

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

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

  • 5 Ways To Save Cash

    GMM
    24 Aug 2015 | 3:49 am
    We all want to know all kinds of different ways to save money. By getting more and more creative, we find ways to save money and become more frugal.There are so many sites to use that save us money, and we are living in a time where we have so much available to use right at our fingertips.All we need to do is put these different things to use, and in return we will save so much money.#1: Avoid going to the mall, simply because there are way too many stores that you will walk pass, and be tempted by. Instead, go to a store that has solely what you need. If you need kitchen items, go to Bed…
  • Personal Investing Differences

    GMM
    19 Aug 2015 | 10:12 pm
    Have you ever compared the average personal investing style of a person from one country to another? Or, have you ever even thought about it? People vary greatly from person to person and from country to country.One country that I would like to look at today is the country of Norway, and how their average citizen invests their money.There are many differences between the United States and the country of Norway – shopping is different as there are supermarkets that are stacked with certain number of products like Rema 1000, traveling is different, celebrations are different and more.
  • 5 Best YouTube Cooking Channels

    GMM
    17 Aug 2015 | 2:55 am
    Cooking meals is a hobby that I’ve been trying to get better and better at. A few years ago, cooking was so down on my list of favorite things to do. I actually despised cooking and would often eat out because I didn’t have the patience to cook a meal myself.I didn’t even know where to start when it came to grocery shopping. Fast forward to now, I am grocery shopping and cooking my own meals, and also trying to incorporate as many healthy and fresh ingredients as possible.YouTube is a great way to get better at cooking because not only is it free, there are no commercials…
  • 4 Best Websites For College Students

    GMM
    10 Aug 2015 | 3:53 am
    Being a college student has me constantly browsing the internet in hopes of different things. I’m constantly trying to find ways to make things easier on myself, while also getting better at certain hobbies.1. RateMyProfessor. This site has become a must for college students, especially if you are taking online classes. It comes in handy to know ahead of time if a professor is going to be good at teaching or not, and other must know things about them. This site informs you what school they teach at, their ratings, comments from past/recent students, and also lets you rate them by their…
  • 3 Best Websites To Find A Job

    GMM
    3 Aug 2015 | 3:50 am
    Finding a job has become somewhat easier than ever, as you can browse around online and check out different careers. You can also check out pay, requirements, and qualifications online on most of these websites.We live in a day and age where applying online for a job is common, which makes it a lot easier and saves a bit of time as well. It’s comforting to be able to look around and do research on a job before applying, and it also feels better to apply for a job in a more relaxed environment, in the comfort of your own home.These 5 websites will help you find a job and some will even…
 
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    Everybody Loves Your Money

  • The Four Most Basic Things You Should Know About Money

    Me
    27 Aug 2015 | 10:04 am
    I firmly believe that post people know that “how’s” or personal finance and just don’t have a strong enough “why.” However, with so much information available people can also get bogged down in the “how’s” looking to take too many paths. If you’re someone who is just starting from scratch these are the most basic things you should know about money. Once you learn these you can apply them to your own unique life and build from there. # 1 – If You Want Financial Stability You Must Spend Less Than You Earn Just like most things in life, solid personal finances require some…
  • Why Frugality is Not Enough

    Me
    24 Aug 2015 | 9:11 am
    In the personal finance world frugality is made out to be some magical unicorn that’s going to bring you the ultimate financial success. Most personal finance bloggers worship frugality, looking to save money in any and every way possible. I never quite understood it. My goals went more like this – “I want to make and save enough money so that it makes no difference whether I spend an extra $200 on groceries and makes no difference that I’m buying $10 shampoo versus $2 shampoo.” In other words, I don’t want to work so hard to pinch every single penny I’ve earned. Instead I want…
  • How to Save Money on Pregnancy Tests

    Me
    19 Aug 2015 | 4:51 pm
    This post might sound a little crazy to anyone who has either never tried to conceive or has had no problem conceiving. However, today I’ve got to represent (and help!) all the women who are trying to conceive but are going through a long process. I’ve went down a bumpy road myself this year. And I’ll tell you what – I’ve spent far more on pregnancy tests than I even want to admit. Pregnancy tests aren’t cheap. Whether you’re obsessively checking to see if you’re pregnant because you’ve had a previous miscarriage or other medical problem and are now scared to death, or just…
  • My One Page Financial Plan

    Me
    17 Aug 2015 | 7:52 am
    There’s a new personal finance book floating around – The One-Page Financial Plan: A Simple Way to Be Smart About Your Money. While I actually haven’t read this book I like the concept the title suggests: keep your financial plan to one page! I was able to very easily come up with my own one page financial plan which consists of just two big goals! Here’s my financial plan in order: Pay Off the Mortgage We recently bought a house, unfortunately our last house still hasn’t sold yet. Because of this I haven’t been making any extra payments on the new mortgage yet. Instead I’ve…
  • 4 Ideas for Saving Money on a Home Office

    Me
    13 Aug 2015 | 10:29 am
    Whether you work from home or are just creating an office to store all of your bills and financial records, setting up a home office can be expensive! In the past few years that I’ve been working from home I’ve discovered that my home office needs have drastically changed. Here are four ideas for saving money on your home office. # 1 – Choose a Spot Where You’ll Actually Work The biggest tip I have is to choose a place where you’ll actually work! I’ve tried to force myself to sit and work at a desk or table for the past two years but I just can’t seem to do it. For me, I’m…
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    Money Smarts Blog

  • Cutting the Cord – Living Without Cable TV

    Mike Holman
    10 Aug 2015 | 3:00 am
    After a multi-year hiatus, Mr. Cheap has returned to blogging at http://moneytimeblog.com. Posting on topics from investing to careers to arguing with Mike to frugal living such as this post. Network television and cable TV generally strikes me as one of those things that will seem very strange to the next generation. “What do you mean you had to turn on […]
  • 2013 Investment Portfolio Returns – Another Good Year

    Mike Holman
    21 Jan 2014 | 6:22 pm
    New year and time for a new post! I like to measure the performance of my investment portfolio every January to see how I’m doing.  This year was a banner year for equities and my portfolio went up 19.9% which is pretty good for  a 75% equity/25% fixed income mix. It’s been said that investors […]
  • Qtrade Discount Brokerage Review

    Mike Holman
    29 May 2013 | 2:00 am
    Qtrade is an independent discount brokerage which has done extremely well in the annual Globe and Mail brokerage rankings. After calling them a number of times, I can see one of the reasons. They are super quick to answer the phone. Related:  My Canadian discount brokerage comparison Overall impressions Qtrade has competitive fees for investors […]
  • LinkStuff – High Definition TV Edition

    Mike Holman
    24 May 2013 | 2:00 am
    I finally upgrade to high definition tv and have been pretty happy with it.  Hockey is pretty good in HD (although it would be a lot better if the Leafs were still playing), but the best improvement has been cycling.  I’m currently watching the Giro d’Italia (Canadian Ryder Hesjedal was the winner last year) and the […]
  • LinkStuff – More Money For Beer Edition

    Mike Holman
    8 Mar 2013 | 2:00 am
    I did a book giveaway earlier this week for the awesome More Money for Beer & Textbooks book and the two winners were Judy and Siu (who also won the funniest comment award). If you know someone who is in post-secondary education or about to enter – please buy the book for them.  It’s really good.  On […]
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    One Frugal Girl

  • The Thrift Store: Books for My Three Year Old

    One Frugal Girl
    29 Aug 2015 | 1:59 pm
    My oldest son loves to read. I packed a book in my hospital bag and began reading to him on the very day he was born. Every day, even when he was quite small, we read together. Usually a few books in the morning, a few more mid-day and three as part of the bedtime routine. Long before he could talk he would walk over to the book shelf or a stack of books on my dresser and select the ones he wanted to read. He’d bring them over to me, keep one pile for books we hadn’t read yet and another for the books we’d already finished reading. After reading the last page, he would take the book out…
  • Book Review: Lola’s Money

    One Frugal Girl
    26 Aug 2015 | 5:00 am
    Book Description: Lola French is stunned when she wins millions on the Lottery, and she is sure all her dreams are about to come true. However, right from the start, before she even claims her winnings, things begin to change and she separates abruptly and acrimoniously from the man she has been living with. Lola’s colleagues are initially pleased for her, but eventually begin to resent her new status. One of them, Tom, whom she really likes, asks her out; but he does it on the day that news of her win spreads through the office and she sadly turns him down. She decides to leave her job as…
  • How to Prepare for Vacation: Saving Money on Food

    One Frugal Girl
    23 Aug 2015 | 10:35 am
    Over the years I’ve perfected the art of packing and preparing for vacation. I can load the car in a matter of minutes; ensuring we don’t forget anything important and finding space for absolutely everything we need. I know the quickest routes between points A and B and the best way to maximize our travel time. I never leave the house without snacks and ensure the kids and I will be well fed along the way. What I can’t figure out is how to contain food costs during our extended stay; no matter how hard I try I still seem to waste previous time and money at the grocery store. The worst…
  • Things I Stopped Buying

    One Frugal Girl
    21 Aug 2015 | 11:40 am
    I’ve spent a lot of money on home renovations lately, but other than big ticket items like mortgages, utilities and bi-weekly groceries I just don’t open my wallet up much these days. There are a lot of things I no longer buy. Here are just a few that top that list: Nail Polish – I never spent a ton of money on this, but I do have a large box full of bottles sitting in my closet. More than I could ever use or need. Also, I never seem to find the time to paint my toe nails. Decorative Towels – Yeah, this is a strange one, but I used to buy a towel for every season and…
  • Book Review: No Poverty Between the Sheets

    One Frugal Girl
    20 Aug 2015 | 5:00 am
    Book Description: This book documents the strong ties that bind generations together. When the author poses the question to her Irish Granny, “If you were so poor why did you have ten children?” Says she, “To be certain, there was no poverty between the sheets!” This sassy saga of a large family that is half Irish and half French Canadian captures hilarious voices and comical antics of a vibrant family that is cloaked in love. A horse theme and song lyrics are neatly knitted throughout the layers of generations. My Thoughts: This is a memoir of a tight knit Irish…
 
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    My Dollar Plan

  • Bank of America $2000 Small Business Sign Up Bonus

    Madison
    28 Aug 2015 | 6:29 am
    Bank of America is offering a huge $2,000 sign up bonus for their small business checking account and a credit card (or other business account). However, you’ll have to jump through some hoops to score the bonus. It’s Free Money Friday! How to Get Your $2000 Sign Up Bonus Sign up for a new Bank of America business advantage checking account in a branch by October 30, 2015. Open a small business account (credit card, line of credit or merchant account) within 60 days to earn $1,000. Each additional business account you add will earn $500 more. Terms and Conditions Offer only…
  • Watch Out for These 3 Scams

    Amanda
    26 Aug 2015 | 6:29 am
    Online scams are everywhere. I probably get one or two each month, and to be quite honest, I like to play along with the scammers so that I can understand the scam and write about it to warn others. As long as playing along doesn’t entail me giving away pertinent information that could hurt me, that is. It’s funny, because there seems to be a set pattern of the same old scams but with a fresh new angle each time. Once you read through a few of these, you will be able to identify one when you see it and cut through the jargon and promises. Let’s take a look at three current ones on the…
  • 5 Budget Friendly U.S. Destinations off the Beaten Path

    Kristen
    24 Aug 2015 | 6:29 am
    Traveling outside of your home country can be a great experience. Whether you’re studying abroad or visiting a foreign place with your family, it’s nice to get an experience you can’t get at home. However, in many cases, traveling outside of the country is going to cost much more. If you’re yearning for that foreign experience but want to stay more in your budget, here are five exotic U.S. destinations. (Photo Credit: Krug6/Flickr) 1. Alaska’s Arctic Coast The northernmost point of America is Barrow, Alaska, which is home to the largest Eskimo communities in the world. Scenery…
  • How to Find and Save Money with Digit

    Madison
    21 Aug 2015 | 6:29 am
    Digit is an automated savings tool. While that sounds a little boring on the surface, I’m intrigued by the math that is running the show. Essentially Digit is analyzing your spending daily and calculating how much they can “painlessly” transfer to savings, little by little each week. Digit states their free service is a “journey aimed at refreshing the interactions between humans and their money”. Let’s celebrate the Digit journey for Free Money Friday! How to Save with Digit Sign up for a new Digit account. Link your checking account. Link your mobile…
  • 12 Inexpensive Ideas for a Fun Night Out with Friends

    Kristen
    19 Aug 2015 | 6:29 am
    When you’re on a budget, generally your priority is thinking how you’re going to save on groceries, pay your bills down, and even save for that family vacation down the road. Spending time with our friends often gets pushed aside. Going out to expensive dinners, dropping a ton of cash at a bar, or other pricey activities just do not fit in when you’re trying to save or get out of debt. But you don’t have to give up your time with friends just because you don’t want to spend a lot of money. Just work with your friends to come up with creative, fun, and affordable options for your…
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    bluntmoney.com

  • Is it Better to Build a Home from Scratch?

    bluntmoney
    28 Aug 2015 | 6:17 am
    A lot has been made of the potential profits from property developments and how these developments lead to far greater profits than the more traditional option of buying houses, renovating them and flipping them. For those looking for a home to live in, the potential of buying land for sale in Perth by Lend Lease and building their own home to plan offers an attractive way to put their toes in the water. There are a lot of benefits to building your own home – you get input into the design of the house and final finishes from day one. You can choose a customized design that really suits…
  • Benefits of Online Shopping

    bluntmoney
    18 Aug 2015 | 8:20 am
    If you are wondering does online shopping is good for you or not, today I am going to give you some of my best reasons why it is actually much better way to purchase all the things you can imagine! Forget about long lines, annoying people, and bigger prices and buy things from all over the world with the help of the internet! So learn all about the benefits of e-retailing and become a modern person who is not afraid to save money. 24/7 Shopping An opposite of retail stores in your town, all e-stores are available for you to shop at no matter what time and no matter where. You don’t have…
  • What to Consider before Starting a Business…

    bluntmoney
    8 Aug 2015 | 11:37 am
    Get your own finances in order before starting a business! Why? First off, if your finances aren’t in order, how will you run a business? Second, reputable lending institutions generally don’t give loans to people who are a wreck, financially. Too many entrepreneurs who put everything they have into a startup do so without making the best possible plan to build their new company’s credit. That’s not to say that they don’t make a plan. It’s just that the relationship between personal and business finances is complicated, but the core issue is simple: While you do want to…
  • Duking It Out: Lump Sum Investing vs. Dollar Cost Averaging

    bluntmoney
    26 Jul 2015 | 5:27 am
    Since it’s rare that I’ve had a lump sum to invest, I’ve usually used the dollar cost averaging method of investing. But is that really the better route? I mean most people will come across a lump sum eventually. What do we do then? Say you downsize your house and have a tiny windfall of $50,000. Should you invest it in one day or spread it out over time? I don’t know right now but by the end of this post, I’ll have an answer. In dollar cost averaging, you invest a set amount on a regular basis, regardless of what the market is doing. For example, last year I…
  • South Florida Real Estate: Important Things to Know before Investing

    bluntmoney
    21 Jul 2015 | 9:39 am
    During my last trip to Miami, one thing that really surprised me is how real estate had bounced back during the past two years. You see construction projects being launched, and as a short term renter, it is really hard to find a place at the last minute if you are on a tight budget. That indicates a strong rental market, with most properties being rented months in advance. Brickell Flatiron in South Miami   As a real estate investor, I started doing a little research about real estate in South Florida, and my idea was to find a 3 bedroom with two bathroom to rent by the week to national…
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    Million Dollar Journey

  • Insurance for Small Businesses

    Clark
    24 Aug 2015 | 4:30 am
    Being a successful entrepreneur involves access to sufficient capital and business acumen among other necessities. Another important area that requires attention, contingent on the type of business, is insurance to protect business assets from potential risks. This article will look at the types of insurance available to a small business owner, which might be worth further investigation. Please note that only some of the following types are deductible as business expenses; seek professional advice for more insight. Insurance for business owners and key employees Life insurance. As the name…
  • BMO InvestorLine Review

    FrugalTrader
    17 Aug 2015 | 4:30 am
    Discount brokerages are a popular topic on this blog especially where I have compared the major online brokers against each other. The truth is that I have a number of discount brokerage accounts, Questrade, CIBC Investors Edge, Scotia iTrade and Interactive Brokers.  Not to forget a TD Mutual funds account for our family RESPs. I am looking to simplify, but instead, I opened a new account with a different discount broker for my corporate trading account.  As my small business account is with BMO, I decided to keep my corporate assets with the same bank so I opened a trading account…
  • One Year After – A Financial Freedom Update – August 2015

    FrugalTrader
    10 Aug 2015 | 4:30 am
    It has been a little over a year since reaching the million dollar net worth milestone and a number of you have emailed me requesting an update on what I’ve been doing since, how it feels to be a millionaire, and mostly, how my new financial goals are progressing. Life Since Becoming a Millionaire Back when I was in my teens (or younger), imagining being wealthy, I always thought that hitting the millionaire label would be a life changing event. At the end of the day though, it’s just a number, and on a number of levels, nothing has changed.  Now mind you, it feels great to hit…
  • Lack of Value, All Seasons Portfolio, Protecting Nest Egg in Retirement, Lessons from the Rich, and more!

    FrugalTrader
    7 Aug 2015 | 3:59 am
    People who do not save or save very little are often stumped when they hear about how certain people on their way to financial independence save >50% of their take-home income. Canadian Dream explained about the driving force at Lack of Value. A TFSA is a great way to save for retirement as the income can be withdrawn tax-free. But, is it worth funding the account with corporate dollars if you own a business? Find out through The Blunt Bean Counter‘s post Should You Fund Your TFSA With Corporate Funds? Canadians are known to have high debt loads. The Canadian Personal Finance Blog…
  • Net Worth Update August 2015 – Sean Cooper (+6.3%)

    Sean Cooper
    3 Aug 2015 | 4:30 am
    Welcome to the Million Dollar Journey August 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: 30 Net Worth: $652,949 Day Job: Employed with a major global pension consulting firm. Family Income: $50,000 (full-time job), $18,600 (rental income before expenses), $40,000 (approximate freelance…
 
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    Bible Money Matters

  • Financial Success Hinges On The Quality Of Your Relationships

    Brian
    24 Aug 2015 | 7:27 am
    Have financial trouble? I’d take a close look at the quality of your relationships. You may find fixing those areas is the first step to moving forward. The post Financial Success Hinges On The Quality Of Your Relationships appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot)

    Peter Anderson
    13 Aug 2015 | 4:38 am
    You can save a lot of money when attending a state fair or other big event, but in the end, does finding discounts help you rationalize spending more than you might have otherwise? The post Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot) appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Betterment’s New SmartDeposit Feature Can Make Saving Automatic

    Peter Anderson
    12 Aug 2015 | 9:06 am
    Betterment's new SmartDeposit automated saving functionality can be a great way to increase your savings. How? By making investing automatic. The post Betterment’s New SmartDeposit Feature Can Make Saving Automatic appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • PolicyGenius Review: 10 Minutes To Term Life Insurance

    Peter Anderson
    6 Aug 2015 | 2:05 pm
    PolicyGenius has a quick and easy 5-minute process to get competitive quotes on term life insurance coverage from top companies. Here's how it works. The post PolicyGenius Review: 10 Minutes To Term Life Insurance appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Repercussions Of A Temporary Income Drop And Ways To Minimize The Damage

    Melissa
    4 Aug 2015 | 8:15 am
    Many of us suffer from a temporary income drop at one point or another. What we don’t consider is how long it may take to bounce back from such a situation. The post The Repercussions Of A Temporary Income Drop And Ways To Minimize The Damage appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • More Great Personal Finance Tweets for the Week

    bigcajunman
    29 Aug 2015 | 8:42 am
    Tweet Another round of some of the finest money tweets of the week, hope you enjoy Why is it that the Chinese stock market and economy confuses my simple mind? China’s stock market is imploding but its huge bond market looks buoyant. Why that's happening http://t.co/YanD1EYFQV pic.twitter.com/mQ3R6F4m4R — Wall Street Journal (@WSJ) August 28, 2015 Not sure I completely agree with Mr. Bernstein, but I think I understand his sentiments: You’re not really diversified unless you own something you’re uncomfortable with. — Peter L. Bernstein #WSJ — Jason Zweig…
  • Boom Goes the Markets, Market Cheese, and #BestMoneyStories

    bigcajunman
    28 Aug 2015 | 5:31 am
    Tweet The last 10 days or so have been quite volatile on the markets with wild drops, sudden spurts up and indecision and confusion on whether this is a “correction”, a “collapse” or a “great time to buy”. To quote a well-known media maven I’m an Indexer I don’t Care What the Index Did Today, although I did buy in the middle of all of this, because I had money to put in my son’s RDSP (but that is very long-term savings, so again, who cares). There is agreement that China’s economic cogitations seems to have been a catalyst for all…
  • Auto Loading Your Loyalty Card is a Bad Idea

    bigcajunman
    26 Aug 2015 | 5:15 am
    Tweet I ran into a very bad issue with my Starbucks Loyalty card a while back, when all the information in the Starbucks database was hacked and my account information was stolen. This information hack allowed the thieves to create their own version of my Starbucks card, and they “went to town” on it. Let me digress , remember that the Starbucks Loyalty “card” is not a credit card per se, it is a card which is “filled” from a money source so that you can buy things (note I said things not just coffee) at Starbucks (and collect allegiance points and…
  • Gas Dampens CPI for July

    bigcajunman
    24 Aug 2015 | 5:44 am
    Tweet For yet another month the lowering price of gasoline and transport continues to dampen (and possibly hide) a CPI that has been around 2.0 % or higher for a long time (yet it continues to be called 1.0%, fun eh?). Stats Canada stated for July: Lower energy prices continued to moderate the year-over-year rise in the CPI; however, the effect was less pronounced in July than in the previous month. In particular, the gasoline index was down 12.2% in the 12 months to July, compared with a 14.1% decrease in June. I am sick of how these numbers are being used to hide the fact that…
  • Personal Finance Tweets of the Week (End of Summer)

    bigcajunman
    23 Aug 2015 | 8:43 am
    Tweet Haven’t done this for a while, but here are some of the more interesting financial (and other) tweets that I saw this week. Interesting that Twitter has also removed the 144 character limit on direct messages, so it has now become a full messaging system too. Canadians are carrying a lot of debt, which no matter how the banks spin it, isn't good http://t.co/IzlJtqkEC7 pic.twitter.com/CZKe8jGXct — Steadyhand Funds (@Steadyhandfunds) August 20, 2015 I really liked this one, it was condemning the banks trying to encourage folks to build up more debt? Say what? So those oil…
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    Early Retirement Extreme

  • What does being (early) retired mean?

    Jacob
    30 Aug 2015 | 5:41 pm
    I have had some issues defining myself now that I can no just fling out a job title. First, I used the term “retired”, but then I got the impression that I was not allowed to do anything that earned me money; that I should essentially sit back and withdraw money from my savings. I then started using the term “semi-retired”. Of course, this implied that I still had to have some kind of job to sustain me, maybe working half-time or half-season; in that regard I have said that I was a “semi-retired ” depending on who I talked to. What it really means though is…
  • Choices, desires, and satisfaction

    Jacob
    30 Aug 2015 | 5:38 am
    Satisfaction is a balance between choices and desires. Simplicity is one strategy of reducing choices to match desires through introspection. Consumerism is strategy to increase desires to match choices through marketing. Copyright © 2007-2015 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this notice anywhere else than in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint: 47d7050e5790442c7fa8cab55461e9ce)Originally posted…
  • The art of waiting

    Jacob
    29 Aug 2015 | 5:34 pm
    For someone who is not working a 9–5 job, time takes a very different meaning than for someone who is still on the clock. Moving from one frame of mind to another can be very challenging indeed. Since the mechanical clock was invented and work was scheduled—about 300 years ago—we have gotten so used to dividing time into equal segments that this has become almost invisible. I was reminded of this yesterday when we were discussing the weather forecast. We consider forecasting important first and foremost in terms of the timing. What will the weather be like on Thursday? We…
  • My Journey

    Jacob
    29 Aug 2015 | 5:29 am
    This is a guest post from firefighter, whom you may have seen in the comments. This is the last in the queue that I have lined up (if you have sent me your story and I have not posted it yet, write me a mail to complain). However, a few people said they would write up their story/plan, so more posts should be forthcoming. My journey to early retirement actually began quite unintentionally in the late 1990’s. I work for a large municipal fire department. My father has always been a financial guru of sorts, so when I came home after my second day of rookie school loaded down with benefit…
  • Subscribe to ALL comments via RSS

    Jacob
    28 Aug 2015 | 5:28 pm
    As you know, the comments is often where the real action takes place. Due to popular request, it is, therefore, now possible to subscribe to ALL the comments as a single RSS feed. This feed is updated with new comments as they get in. Thus if you never want to miss a comment on any post, this method is safer than following the “most recent comments tab” in the sidebar. Copyright © 2007-2015 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this notice anywhere else than in your…
 
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    2million's Personal Finance Blog

  • July 2015 Net Worth Update (-$2,103)

    2million
    16 Aug 2015 | 7:24 am
    Highlights for JulyWe have earned approx $3,400 (in gift cards, points, and miles) through credit card signup bonuses in the part year. I just redeemed a $475 bonus on the Barclays Travel Credit Card to help offset the final payment for our upcoming cruise vacation.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. As a reference some recent Zillow values for our properties were: $197,166;…
  • June 2015 Net Worth Update (+2,172)

    2million
    18 Jul 2015 | 10:56 am
    Highlights for JuneWe have earned approx $3,400 (in gift cards, points, and miles) through credit card signup bonuses in the part year. We just finished the last 2 offers and will be looking for my next opportunity.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. I received my employer's annual bonus in June. It was small, but better than last year's ($0) so a step in the right direction.I took a…
  • May 2015 Net Worth Update (+15,309)

    2million
    14 Jun 2015 | 7:18 am
    Highlights for AprilWe have earned approx $3,400 (in gift cards, points, and miles) through credit card signup bonuses in the part year. We are actively working on 2 additional bonuses including the Delta Amex Card for 50,000 Skymiles & Barclay Travel Plus Card for $400 in travel credit.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. I spent 2 weeks in May on a business trip to China. I enjoying…
  • April 2015 Net Worth Update (+$16,009)

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

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

  • Short term loan Positives and Negatives

    admin
    11 Aug 2015 | 3:40 pm
    Payday loans also known as payday advances, short term loans and cash advance loans are small short term unsecured loans. These loans are also referred to as cash advances however this term can be confused with a line of credit such as those with credit cards. Payday loans rely solely on the borrower having employment and can provide proof of income such as check stubs. The legislation regarding these types of loans varies widely from country to country. In order to prevent high rates of interest many jurisdictions have placed limits on the APR or annual percentage rate that any lender…
  • How to Avoid a Toxic Work Environment

    admin
    23 Jun 2015 | 6:16 pm
    Having a well thought out business model and employees that are well qualified can make a huge impact on a business’s success. However, if the work environment becomes toxic, the productivity levels within your company can be deeply impacted. In fact, the energy put out by your employees and that which surrounds them can make or break an otherwise successful company. Here are a few tips on how to avoid cultivating a toxic work environment.   Open Allocation and Incentives Allow your employees the opportunity to move around within to the company with ease to work with projects that are…
  • What Is Medical Debt, How to Avoid It, and Why Is It Such A Big Problem?

    admin
    9 Jun 2015 | 3:28 pm
    There’s a good chance that you are already pretty familiar with this country’s medical debt problem; in fact, more than a third of Americans owe collectors for unpaid medical bills. What can be inferred from this about those bills and debts that are regularly being paid down? What Is Medical Debt? Medical debt refers to the amount of money that consumers owe to medically-relevant facilities and professionals for procedures, tests, visits, and other pertinent services. In the United States, medical debt makes up the biggest percentage of consumer debt. This is one area of debt where…
  • Keeping Track of Your Staff has Never Been Easier

    admin
    3 Jun 2015 | 7:30 pm
    Part of running a business means managing your staff. You need to keep tabs on their time and attendance. It’s not only a matter of making sure your employees are on time and putting in the proper amount of hours. Accurate records are essential when it comes to processing payroll. You don’t want to deal with a mountain of paperwork. With time attendance software from TimeClockeShop.com, you can make your life easier. Have all of the data at your fingertips and spare yourself the headaches. Make Everything Automated Remove the possibility of human error when all of your systems are…
  • Reverse Mortgages for Canadian Seniors

    admin
    28 May 2015 | 4:05 pm
    If you’ve been reading about the mortgage industry in Canada lately, you’ve probably come across the term “reverse mortgage.”  How much do you really know about this type of mortgage, however?  At its core, a reverse mortgage is a mortgage loan that is secured based on the total equity you have in your home.  A reverse mortgage differs from a traditional mortgage in several ways, but the most notable difference is that you are not required to make any payments on the loan as long as you or your spouse live in the house. Generally, when you take out a reverse mortgage on your house…
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    How I Save Money.net

  • $25 In Cash Or A $50 Voucher?

    Lulu
    27 Aug 2015 | 6:58 am
    I  recently had the opportunity to choose between receiving $25 in cash or $50 in coupons for an item. There was a lawsuit involving a brand of tuna that I buy all the time and they were offering settlement payments to consumers. You had to fill out a claim and then choose between the following two options: $25 in cash..well actually a check would be sent out $50 in vouchers for the tuna Now the tuna is in cans and I actually buy a lot of it. I tried to think of which option would be better for me. If I chose the cash option then I could do whatever I wanted with the money. If I chose the…
  • About To Start CVSing Again

    Lulu
    24 Aug 2015 | 2:30 am
    Hello everyone, I used to go to CVS quite a bit to take advantage of their Extra Bucks cash back program. It was easy for me because there was a CVS on my way to church and work and I got the Sunday newspaper, which was full of coupons, for FREE. I then moved out here for school and it has not been so easy. There was not a CVS close by and the local newspaper did not have all the coupon inserts that I used to get. I would also have to pay for the paper so it just did not seem cost effective. Recently a new CVS opened right across from the school. What is great about it is that I have to walk…
  • Is It A Good Idea To Pre-Pay Your Rent?

    Lulu
    20 Aug 2015 | 9:15 pm
    I was speaking to a new friend who just moved to my apartment complex. She told me that she had prepaid her rent for the whole year so that she did not have to worry about it. I told her that I did not think it was a good idea to pre-pay the rent especially since she had such a large rent bill and the money could have been put to some other use. She pays $450 a month and she paid 12 months up front. That means she paid $5,400 to the complex and no longer has use of that money. I told her my strategy was to pay with my credit card and then pay the credit card monthly. Of course I could also…
  • Friday Finances: August 2015, Week 2

    Lulu
    13 Aug 2015 | 8:48 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 Rent, which is now at a slightly reduced rate. My electric bill will be higher moving forward because the company that bought my apartment complex no longer offers the energy cap that posted as a credit…
  • Getting Ready For My Own Electric Bill (Again)

    Lulu
    3 Aug 2015 | 5:36 pm
    My apartment complex just got bought out by a new company and they are having all residents switch over to having the electric bill in their own names. Now this is not a big issue for me since I have always done this in prior complexes. It was just unusual here where I was brought in under a plan that offered a cap in the form of a credit on our electric bill. We paid the apartment complex for the electricity and they dealt with the power company. The issue I have (potentially) is that I am not sure if I will be getting  a new person in the apartment. I don’t like the term room mate…
 
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    Funny about Money

  • Enterprise: One Long Shot after Another…

    funny
    29 Aug 2015 | 12:48 pm
    So, how are we doing in the publishing enterprise department? Yesterday I applied a little English-major math to a moment of taking stock. The goal is to have an inventory of 100 short works online by the end of March. The 18 Fire-Rider serials count toward that total, as will any boxed sets the several contract authors and I can create for the series we dream up. We can do that. Given what we have in hand now, reaching our goal will require us to publish 9 items a month. That’s two creative items per month, per worker. Assuming The Copyeditor’s Desk retains its bread-and-butter…
  • Fire-Rider: Another Day, Another Book…

    funny
    28 Aug 2015 | 1:20 pm
    Dang! We just published the eighth volume of the Fire-Rider series and one of the book’s several high points: The Lake of Fire! Over at the Fire-Rider website, I’ve posted an excerpt. Come on over and have a look at it. And while you’re at it, do buy the book, review it, and tell your friends. Seriously: Fire-Rider needs reviews. If you’d like a copy, let me know and I can send you a .mobi version readable on a free downloadable Kindle app. Not on of our boys’ better days…
  • Of erotica and budgets…

    funny
    23 Aug 2015 | 9:27 pm
    Lacking cabbages and kings to talk about, let us consider erotic lit’rachure and budgeting. To start with the budget: the AMEX bill came in: only about $2100. Before you faint dead away: that includes the $1200+ for a new crown, plus $158 for routine dental cleaning.  If that’s correct (and I have no reason to suspect it’s not), then it means this month I spent all of $742 on regular expenses. That’s some kind of a miracle: normally I budget $1100 to $1200 for day-to-day costs. So in reality I’m only about $1,000 over budget despite some $1350 dumped into the…
  • Fire-Rider Book 7: You Live & Learn

    funny
    23 Aug 2015 | 11:30 am
    Every new publication at Amazon is another learning experience. Fire-Rider Book 7 — The Battle of Loma Alda — is online. Click on the link to the right and take a look at it! It’s taken SIX efforts at publishing these damn serials to figure out how to force Amazon to publish them in a way that distinguishes them from each other more clearly. I’ve tried every which way from Sunday, and every goddamn time they publish the thing as “Fire-Rider,” in one iteration or another. Even though Amazon claims it will number serials and post them in the order of the…
  • Almost Too Good for Words

    funny
    22 Aug 2015 | 10:10 am
    First crack out of the box this morning, The Good Gray Times reminded me that I have to prepare a dog-&-pony on editing for a meeting that will take place in about a week. Today’s paper brought this astounding bit of intelligence to the breakfast table: The assault was described as a terrorist attack by the Belgian prime minister… Man! Stay away from those fanatical Belgians! I’m supposed to “present” on the subject of editing next week. Having been given a very vague topic, I’m feeling a bit at loose ends as to what to say. The morning’s instant…
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    MintLife Blog | Personal Finance News & Advice

  • My Mint Story: Love, Loss & Taking Care of the Basics

    Chanel Reynolds
    26 Aug 2015 | 1:02 pm
    Six years ago, Chanel Reynolds leaned over the kitchen counter and kissed her husband good-bye. Minutes later, he was hit by a van while training for his last race of the season on his bicycle. A week later, Chanel removed his medical support. In that life altering moment, she became a 39-year-old widowed single parent with a son about to start kindergarten. We all say prepare for the unexpected, but who really does it? And how can you come to grips with your personal finances and paying bills when you can barely get a grip on the emotional toll of losing a loved one unexpectedly? Mint asked…
  • My Mint Tips: How to Save When Dining Out

    Mint.com
    21 Aug 2015 | 4:56 pm
    The weekend is here! Time to enjoy a meal out with friends or hit your favorite restaurant, because after a long week you are just too tired to cook. In fact, Americans spent more than $50 billion at restaurants in January alone. We recently asked Minters on Twitter how they save money when dining out. Check out our favorite tips here, and share your own with @mint with hashtag #MyMintTips: Melissa Agelson: @mint My husband & I have a budget we stick to when go out to eat! We love to buy 1 meal, get the second half price. Really helps a lot! Corey Beckmann: @mint Oftentimes, appetizers…
  • 4 Easy Ways Your Phone Can Actually Save You Money

    Mint.com
    17 Aug 2015 | 6:12 pm
    Cell phones have earned a reputation as enablers of mindless, wallet-draining spending. In addition to racking up expensive overage fees and international charges, popular apps offering food delivery, one-click shopping and in-app purchases can be a danger to your wallet. Yet, with a few simple tricks and downloads, your phone can actually be a powerful money-saving tool. Below are four ways consumers can use their cellphones to save money. 1. Easily Budget & Monitor Spending The first step to successful money management is establishing and sticking to a budget by monitoring your…
  • The Future of Lending

    Mint.com
    13 Aug 2015 | 1:38 pm
    In the past, there was one place to go when you wanted a loan: the local bank. In 2015, you have many more options, and peer-to-peer lending is proving to be an attractive choice for many borrowers looking for a good deal – plus individual lenders looking for an investment option. In fact, peer-to-peer lending companies, including Lending Club, Prosper and SoFi, are exploding so fast in popularity they are doubling their lending every nine months or so! So what’s peer-to-peer lending all about? We have the scoop for you. What is peer-to-peer lending? Peer-to-peer (P2P) lending…
  • Unpacking the Real Costs of Moving

    Holly Perez
    10 Aug 2015 | 2:48 pm
    After 13 years, two kids and one dog, my husband and I recently decided it was time to move into a new home. While moving is often an exciting new beginning, it’s also regarded as one of life’s most stressful events. From my experience moving this summer, I would have to agree. After signing endless papers, packing countless boxes and facing an ever-growing list of things to pay for, I’m thrilled to share my hard-learned lessons with those of you getting ready to re-locate. So whether you’re moving into a rental or buying that dream home that you’ve been saving up for, here are…
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    Free Money Finance

  • Checking in and New Blog

    NA
    29 Aug 2015 | 10:00 am
    Hello, all. I hope this message finds you doing well. A lot has happened to me since I went on hiatus, very interesting stuff indeed (many twists and turns). One major change is that my time has freed up and I'm going to be starting a new blog. You may wonder why I'd start a new one and not just keep this one. There are a couple reasons for that: 1. The main reason is that too many people I know personally know that I write this blog. That limits what I can say, how much personal info I can share (and I like to give details/specifics), and so forth. It cramps my style and doesn't allow me to…
  • FMF on Hiatus

    NA
    17 Sep 2014 | 2:29 am
    Well, as they say, all good things must end. Or at least take a break. I started this blog over nine years ago simply to chronicle my financial thoughts and progress. Now, nearly a decade later, it's time to put down my keyboard. Whether that's for a moment or forever is yet to be determined. But as of now, it's clear that I need to take a break. The simple reason for this is that maintaining the blog is much more time and effort than I have at the moment. Even to write one post a week. Even to manage guest posts. It's just too much. Because running a functioning blog is not just posting.
  • Help a Reader: Maxing Out after Reaching 401k Limit

    NA
    15 Sep 2014 | 2:29 am
    Here's an email I recently received from a reader: Some background info: My baseline gross salary is $74k, but with recent overtime it's looking like I'm on pace to make closer to $85k this year. I've been contributing 30% pre-tax dollars to my company 401k plan. They match 50% up to the first 8% I contribute, so basically I get a free 4%. On my previous pay period, I hit my max $17,500 pre-tax contribution limit. In that same pay period, there was also a new line item for after-tax contribution spillover, so now I have $280 of after-tax money in my account. My max employer match is 4% if I…
  • Reader Profile: KP

    NA
    12 Sep 2014 | 2:29 am
    The following is the latest post in my "Reader Profiles" series. Each post in this series details the financial situation and challenges of an FMF reader. The purpose of this series is to help us all identify with people like us (in similar situations -- not all will be, of course, but eventually I'm sure you will find someone like you here), get to know the frequent commenters on the site, and hear some financial wisdom/challenges from people other than me. If you're interested in contributing to this series, then drop me an email. The series seems to be very popular with readers and I need…
  • Help a Reader: Dealing with a Pension

    NA
    10 Sep 2014 | 2:29 am
    Here's an email I recently received from a reader: I was hoping to get some help from your readers in determining my best option.I received an offer from a former employer with whom I am entitled to receive a pension when I turn 65.  I am currently 51.I have 3 options:     1. Do nothing.  When I turn 65 I would receive $187 a month for life with a 100% survivor payment for my wife.    2. Take a lump sum payout now of $13,705 which I could take as cash, rollover to an IRA or Roth IRA.    3. Take an immediate annuity that pays $67 a month for life with a 100% survivor payment for…
 
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    Money Crashers

  • Career Advice: 5 Keys to Job Promotions, Raises & Bonuses

    Michael Lewis
    28 Aug 2015 | 12:20 pm
    In 1931, historian James Truslow Adams defined the American Dream as the “dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement.” The growth of America’s middle class, especially after World War II, seemed to validate the premise that wealth […] Career Advice: 5 Keys to Job Promotions, Raises & Bonuses is a post from the Money Crashers personal finance blog.
  • How to Make an Offer on a House – Tips & Strategies

    Valencia Higuera
    27 Aug 2015 | 10:10 am
    Once you’ve located the perfect house for you and your family, it is time to prepare an offer. The offer is the foundation of real estate transactions, and upon review, the seller will either accept or decline your bid. It includes basic information, such as the location and physical description of the property, the proposed […] How to Make an Offer on a House – Tips & Strategies is a post from the Money Crashers personal finance blog.
  • Top 10 Equity Crowdfunding Sites for Investors & Entrepreneurs

    Brian Martucci
    26 Aug 2015 | 8:20 am
    Translating an innovative concept into a thriving business is a complicated and unpredictable proposition. For entrepreneurs without the resources to fund a startup out-of-pocket, it’s essential to secure adequate financing – often before the nascent company has any revenues – or even a marketable product – to speak of. Traditional banks are often reluctant to fund vulnerable […] Top 10 Equity Crowdfunding Sites for Investors & Entrepreneurs is a post from the Money Crashers personal finance blog.
  • What Is a Radiant Heating System – Costs, Benefits & Drawbacks

    Brian Martucci
    24 Aug 2015 | 2:30 pm
    Outside of tropical climates, every dwelling requires a reliable source of artificial heat. Depending on the type of dwelling, geographical location, and the property owner’s budget, heating systems take different forms: forced-air ducts connected to heat pumps or central furnaces, steam radiators connected to boiler units, electric baseboards, and electric space heaters that plug directly into wall […] What Is a Radiant Heating System – Costs, Benefits & Drawbacks is a post from the Money Crashers personal finance blog.
  • How to Create a Home Inventory for Insurance – Methods, Apps & Checklist

    Amy Livingston
    20 Aug 2015 | 11:20 am
    Imagine that one night your house catches fire. You and your family escape unharmed, but by the time the fire is extinguished, there’s hardly anything left of the house or its contents. Once you recover from your shock, you call your home insurance company to file a claim. The company tells you that in order to […] How to Create a Home Inventory for Insurance – Methods, Apps & Checklist is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Pay in a lump sum, or in installments?

    John Wedding
    29 Aug 2015 | 8:12 pm
    If you have the option of paying for something in full, or paying for it in installments, which method do you choose?  A number of factors play into making a wise decision. It’s good advice to consider expensive purchases carefully before buying.  And the more expensive the purchase, the more consideration you should give.  A good rule of thumb is to wait one day for each $100 that the item costs. Often we’re presented with payment options for a large purchase. These may include a one-time payment option, or periodic options like annual, quarterly, or monthly payments. We…
  • Is a health care sharing ministry a good deal?

    John Wedding
    11 Aug 2015 | 10:26 pm
    There was a good question asked over at the Money StackExchange site dealing with an alternative to conventional health insurance called a health care sharing ministry. The cogent parts of the question are below: … The basic idea of a health share is that it is a non-profit organization where members pledge to pay a certain amount of one another’s medical expenses. Technically, it is not insurance, but it sounds similar to insurance. I would like to know more about what the difference is between a health share and health insurance, as well as the risks and benefits of using one…
  • Seven-point checklist for healthcare credit cards

    John Wedding
    4 Aug 2015 | 9:56 pm
    Pets are expensive.  Not as expensive as children, but still expensive.  Costs can vary widely, but a cost of five figures over the 12- to 14-year lifetime of a dog is easy to hit. One of our dogs had a leg injury recently that will set us back a bit.  When we asked our vet about payment plans, she gave us a brochure for a healthcare credit card. On the face of it, the healthcare credit card offers interest-free payment of qualified expenses over time.  The card our vet offered allowed repayment over six, 12, or 18 months. Why the vet offered the card brochure But what’s the…
  • Cheap school supplies aren’t just for school!

    John Wedding
    28 Jul 2015 | 9:40 pm
    Our local Walmart stores really bring down prices for school supplies in the last weeks of summer.  Maybe yours do too.  Take advantage of this. A few days ago our family was playing Boggle.  (This game was a yard sale find.)  We each have our own single-subject spiral notebook when we play. When my wife said that hers was almost full, I admit my face lit up a bit.  “Ooh ooh … this is the time of year for cheap school supplies at Walmart!!!”  She looked at me and said, “No, we still have a box of them from the first time you bought those notebooks.” A…
  • Speeding through checkout with Walmart discounted gift cards

    John Wedding
    3 Jul 2015 | 3:11 pm
    We’ve been buying discounted gift cards from Cardpool and here’s how we’re making checkout a bit faster … I’m a regular customer of discounted gift card sites.  We do our best to buy and use them safely, and it takes a decent chunk out of our Walmart trips.  (Nothing to retire on, but a decent chunk nonetheless.) Cardpool sells what it calls “printable electronic gift cards” for Walmart and a number of other businesses.  These are good deals for a number of reasons: They are sent by email, often instantly.  I’ve bought printable electronic…
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    Women's Personal Finance Girls Just Wanna Have Funds

  • Why Are Women Dating Less Attractive Men? (Spoiler: It’s Not for Money)

    Ginger
    26 Aug 2015 | 4:00 am
    It’s an ongoing phenomenon. You’re out sipping coffee, buying a croissant, and you’ll spot men across the sidewalk with women who seem out of their league. You can’t help but wonder: How did they pull it off? Is it because they’re rich? Do they have some sort of hidden superpower? Maybe, they’ve got a huge…package? (Spoiler alert: it’s not because of money.) Hot Guys are Bad at Dating Remember the last time you dated an attractive guy? Science says the most attractive guys are also the worst to date, and that you’ll have a better shot at a happy marriage with somebody less…
  • Celebrate Your Inner Rich Girl’s Financial Independence!

    Ginger
    25 Aug 2015 | 4:00 am
    Every 4th of July, Independence Day is celebrated with pomp and parade, fireworks, light and barbecue in every corner of the country. Nowadays, however, many Americans feel as if they can’t completely celebrate independence with a financial albatross hanging around their necks. Whether you feel like a character in Warner Bros. Television’s 2 Broke Girls (or not!), honey don’t let the anxiety over your financial state rain on your parade. We’ve got some personal stories of others to inspire you to let go of the debt and find financial freedom on this day of independence. I…
  • Money Saving Tips For College Students Living on Campus

    Ginger
    24 Aug 2015 | 4:00 am
    More than likely you know someone graduating high school and heading off to college this fall. After getting over the shock of the first year’s tuition bill, they’ll be in need of some frugal tips to get by while living on campus. Tuition. Reduce tuition costs by: 1. Attending a local state school 2. Getting a job at the university and let them foot the bill as most institutions do for full and part time employees 3. Applying for grants specific to your major, merit based, financial need and state based. For example, VA gives a grant for all graduate students in good standing at…
  • Mission Possible: Making Ends Meet on an Inconsistent Income (6 Steps!)

    Ginger
    20 Aug 2015 | 4:00 am
      Yes, even on an irregular income, you can budget effectively. And you should. One in three Americans prepare a detailed monthly budget, but it’s especially difficult if your paycheck comes in irregularly. You may be an artist, consultant, freelancer, temporary worker, or a commissioned salesperson, but there are ways you can organize your finances to meet your needs (and even afford a shopping spree, or two). Although it may seem more difficult because the amount you earn varies on a weekly, monthly, or even yearly basis, it can be done when you keep these budgeting guidelines for…
  • 7 Money Blocks Between You And More Moolah

    Ginger
    19 Aug 2015 | 4:00 am
    Do you feel like attracting more money into your life is an ongoing struggle? Sometimes, you’re on a roll—winning, and then little bumps along the road happen. You forget your keys, the screen of your iPhone cracks, or you’re going to be late paying the bills again this month. Deep down you may be harboring “money blocks”. There are ways you can open up your channels and invite cash to flow in more naturally and freely. But first, you have to overcome those limiting beliefs and ideas you’ve always harbored about money. Learn which of the 7 money blocks below are keeping you from…
 
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    The Finance Buff

  • Card-Linked Offers: AmEx Offers and BankAmeriDeals

    Harry Sit
    25 Aug 2015 | 6:49 am
    Some credit cards offer limited-time special deals to their cardholders. “If you purchase $X from this place before this date, you will get a $Y credit on your statement.” These are called card-linked offers. They are different than store-wide coupons. Coupons are taken off from the total at the time you buy. Card-linked offers are credited after the fact. Coupons usually don’t care how you pay. Card-linked offers are tied to a specific card you use to pay. AmEx Offers AmEx Offers is a popular card-linked offers program. If you have an American Express card issued by…
  • 2016 401k 403b IRA Contribution Limits

    Harry Sit
    18 Aug 2015 | 6:53 am
    The IRS will release the official numbers in October but due to rounding rules I can safely project what the 2016 contributions limits for various retirement plans and IRAs. Inflation is very low this year. For the most part, the limits in 2016 will stay the same as in 2015. 401k/403b/457 Elective Deferral Limit 401k/403b/457 contribution limit will stay the same at $18,000 in 2016. If you are age 50 or over, the catch-up contribution limit will also stay the same at $6,000. If you are self-employed, the total employer plus employee contributions to all defined contribution plans by the same…
  • Staying In Your Job After Financial Independence

    Harry Sit
    11 Aug 2015 | 6:41 am
    The age of early retirement is coming down rapidly. There are several blogs about retiring at 40. Mr. Money Mustache famously retired at 30. Lately at least two bloggers beat MMM and retired at 25. Do I hear 20? How about 15? Last month I went to my dentist to have two broken fillings replaced. According to a healthcare provider listing, my dentist Dr. M graduated dental school in 1971. He’s now 70. The appointment was at 8:00 a.m. because I wanted to get on with work afterwards. Of course when I arrived he was already there ready to start. So he must have opened the office at 7:30 or…
  • The Millionaire Next Door Misinterpreted

    Harry Sit
    4 Aug 2015 | 6:51 am
    I read sad news a few months ago the co-author of The Millionaire Next Door book Thomas Stanley was killed by a drunk driver in a car accident. I checked out the book from the library for a refresher. After I read it this time, I see the book is misinterpreted by many people. Frugality If you ask people what The Millionaire Next Door book is about, people will tell you that it said the keys to become wealthy were frugality and living below your means. It showed most millionaires lived in modest homes, drove practical cars, and they didn’t buy expensive clothes, shoes, or watches, etc.
  • The Largest 529 Plan And The Power Of Distribution

    Harry Sit
    28 Jul 2015 | 6:51 am
    While looking at 529 plan information, I came across an interesting tidbit. It also tells us something about investing in general. Every state has a 529 plan. Some states have more than one plan. Which state has the largest 529 plans in terms of total assets? Is it California, the state with the largest population? No. Many California residents go elsewhere because there isn’t any state tax benefit for using an in-state plan. California’s plan has less money in it than Alaska’s. Is it New York, a large state where taxes are high and residents are offered a state income tax…
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    Maximizing Money

  • Staples $20 Gift Card to Buy $300 in American Express Gift Cards

    Max Messner
    28 Aug 2015 | 2:45 pm
    From August 30th to September 5, 2015, you can get a $20 Staples Gift Card by rebate when you buy a total of $300 or more in American Express Gift Cards in-store at Staples. Check out this $20 Staples Bonus for more details. Review these Bonus Reward Credit Cards as well to earn cash bonuses on your credit card spending. The post Staples $20 Gift Card to Buy $300 in American Express Gift Cards appeared first on Maximizing Money.
  • Huntington Bank $200 Huntington 5 Checking Account Bonus Offer

    Max Messner
    28 Aug 2015 | 2:25 pm
    Huntington Bank is offering a $200 cash bonus when you open a Huntington 5 Checking account with a $1,000 minimum deposit, valid for accounts opened through November 24, 2015. This personal checking bonus offer is available for new Huntington checking accounts in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, and West Virginia. Take advantage of this Huntington $200 Personal Checking Promotion that DOES NOT require a coupon code to qualify. The post Huntington Bank $200 Huntington 5 Checking Account Bonus Offer appeared first on Maximizing Money.
  • PNC Bank $400 Personal Checking Account Bonus with Virtual Wallet – Available Nationally

    Max Messner
    28 Aug 2015 | 2:20 pm
    PNC Bank has introduced a new checking account promotional offer for either $200 or $400 in bonus cash with PNC Virtual Wallet products through December 31, 2015. Check out this PNC Personal Checking Bonus that is available nationally for residents of any state in the U.S.A. Review these additional Banking Bonus Offers as well for more national and local bank promotions. The post PNC Bank $400 Personal Checking Account Bonus with Virtual Wallet – Available Nationally appeared first on Maximizing Money.
  • C Spire Wireless $150 Switch Credit for New Customers

    Max Messner
    28 Aug 2015 | 2:16 pm
    C Spire Wireless is offering a $150 Switch Credit for new customers when you make the switch to C Spire for a limited time. The post C Spire Wireless $150 Switch Credit for New Customers appeared first on Maximizing Money.
  • National Car Rental Emerald Club One Two Free

    Max Messner
    28 Aug 2015 | 9:20 am
    The Emerald Club from National Car Rental is offering 1 free rental day for every 2 qualifying rentals or 600 points that you earn through January 31, 2016. Just join the Emerald Club or register for Emerald Club One Two Free if you are already a member to participate in this promotion. Review more details about the National One Two Free Promotion when you join the Emerald Club for free today. The post National Car Rental Emerald Club One Two Free appeared first on Maximizing Money.
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    Abacus Wealth Partners

  • Done by 60: Final Home Destination

    Barrett Porter
    27 Aug 2015 | 3:41 pm
    People often plan for retirement based on their current lifestyle, which includes the cost of living in their current city. How much sooner could you retire if you moved to a city with a lower cost of living once you stopped working full time? As it turns out, the cost of staying in that big, expensive city (I’m talking to you, San Francisco and New York) can easily hit six figures and add several years to your work life. Save Less? Let me again define “retirement” as the point at which work becomes optional. If you’re eager for this to happen earlier (say, age 60), then it benefits…
  • Make Simple Sense of Big Cash Needs

    Barbara Wolf
    20 Aug 2015 | 12:37 pm
    I was riding the Philly commuter train the other day with my friend Anna, age 65. I knew from previous conversations that Anna had purchased a house on the Jersey shore last year and was about to initiate some major renovations. “You must be so excited to start,” I commented. “Well, actually, I am nervous.” She proceeded to explain that the funds required for renovation were increasing quickly. The renovation, which had not yet started, was already more than what she had envisioned when she bought the property. “What’s the plan?” I asked. “I have no plan, just a due date for…
  • Hacking Your Finances: Avoiding Tax Fraud

    Neela Bushnell Hummel
    13 Aug 2015 | 1:41 pm
    A gentleman by the name of Benjamin Franklin recently called my mother. He claimed to be from the IRS and was reaching out to collect payment on a tax bill. Knowing that they were up to date on their taxes (and thanks partially to the tip-off from Mr. Franklin’s clever moniker), my mom assumed it was fraud. But when she called the IRS to verify, she found out that not only was the call fraudulent, but someone had filed a tax return in my parents’ names (using their real Social Security numbers) and had tried to get a refund. Identity theft has been on the rise, and thieves have gotten…
  • Evolution of Investing

    Spencer Sherman
    12 Aug 2015 | 4:03 pm
    Date and time: Wednesday, September 9, 2015 5:30 p.m.–7:30 p.m. Location: Abacus Wealth Partners 429 Santa Monica Blvd Santa Monica, CA 90401 Abacus Wealth Partners is delighted to invite you to an exclusive evening of wine, cheese and insights on the “Evolution of Investing” featuring guest speaker Apollo Lupescu of Dimensional Fund Advisors. Apollo Lupescu (see attached bio) Mr. Lupescu will share his insights on Dimensional Fund Advisors’ investment strategies produced by Nobel Prize winning researchers. He will explain the academic foundations of their new strategy,…
  • Working to Power Africa

    Jennifer Kenning
    6 Aug 2015 | 4:04 pm
    I believe that everyone is an impact investor and how you invest can have a dramatic impact both in your local community and across the globe. Peter Diamandis recently said, “The world’s biggest problems are the world’s biggest business opportunities, and if you want to become a billionaire, help a billion people.” These are real business opportunities, similar to investing in Google 15 years ago or hybrid cars 10 years ago, with the additional benefit of helping families just like yours and mine. These families may not be wealthy, but they are committed to providing a better…
 
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    theBKBlog

  • Case Closed without Discharge Creates Big Problem for Chapter 7 Debtor

    Jonathan
    17 Aug 2015 | 7:57 am
    Do you have an order of discharge following the completion of your Chapter 7 or Chapter 13 case? If not, you may want to fix this problem now before it bites you later.Every Chapter 7 or Chapter 13 debtor must attend two credit counseling classes. The first, called the pre-bankruptcy credit counseling course, is required before you can file. Your certificate of completion is your ticket in to the bankruptcy process.Once you have an active case, however, you must attend a second course called a financial management course, obtain a certificate of completion and have your lawyer file that…
  • Live Longer After Filing Bankruptcy? Economists Say “Yes”

    Jonathan
    21 Apr 2015 | 1:11 pm
    A recent study by economists suggests that Chapter 13 debtors whose cases were confirmed and completed through discharge derive significant economic and health benefits from their filings as compared to Chapter 13 debtors whose cases were dismissed.This report, published on the National Bureau of Economic Research – a professional organization for economists – compared 500,000 bankruptcy records with tax records and foreclosure records.The study compared Chapter 13 debtors whose cases were approved and completed successfully to discharge to Chapter 13 debtors whose cases were…
  • Spouse Filing Bankruptcy Individually: Here’s How You will be Impacted

    Jonathan
    7 Apr 2015 | 8:49 am
    There are many reasons why a married couple may decide that only one spouse needs to file bankruptcy. The bankruptcy law allows a married person to file an individual bankruptcy but there will be some impact on the non-filing spouse. If you are a non-filing spouse, here are some concerns that you should keep in mind:1. Your credit score may be negatively impacted. You are most likely to face this problem when you have joint debts with a bankruptcy filing spouse and your spouse does not pay a joint debt on time.For example, Chapter 13 allows a bankruptcy debtor to restructure payment…
  • 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…
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  • State Won't Let Stores Open on Nov. 22

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

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

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

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

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

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

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

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

    30 Aug 2015 | 7:28 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Aug 2015 | 7:28 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Aug 2015 | 7:28 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Aug 2015 | 7:28 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Aug 2015 | 7:28 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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    Bible Money Matters

  • Financial Success Hinges On The Quality Of Your Relationships

    Brian
    24 Aug 2015 | 7:27 am
    Have financial trouble? I’d take a close look at the quality of your relationships. You may find fixing those areas is the first step to moving forward. The post Financial Success Hinges On The Quality Of Your Relationships appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot)

    Peter Anderson
    13 Aug 2015 | 4:38 am
    You can save a lot of money when attending a state fair or other big event, but in the end, does finding discounts help you rationalize spending more than you might have otherwise? The post Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot) appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Betterment’s New SmartDeposit Feature Can Make Saving Automatic

    Peter Anderson
    12 Aug 2015 | 9:06 am
    Betterment's new SmartDeposit automated saving functionality can be a great way to increase your savings. How? By making investing automatic. The post Betterment’s New SmartDeposit Feature Can Make Saving Automatic appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • PolicyGenius Review: 10 Minutes To Term Life Insurance

    Peter Anderson
    6 Aug 2015 | 2:05 pm
    PolicyGenius has a quick and easy 5-minute process to get competitive quotes on term life insurance coverage from top companies. Here's how it works. The post PolicyGenius Review: 10 Minutes To Term Life Insurance appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Repercussions Of A Temporary Income Drop And Ways To Minimize The Damage

    Melissa
    4 Aug 2015 | 8:15 am
    Many of us suffer from a temporary income drop at one point or another. What we don’t consider is how long it may take to bounce back from such a situation. The post The Repercussions Of A Temporary Income Drop And Ways To Minimize The Damage appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    SeedTime | Christian Personal Finance

  • 22 Ways I Use Evernote To Get Control Of My Money and Grow In My Faith

    Andy
    12 Aug 2015 | 8:11 am
    Note from Bob: Today’s post comes from my friend and Evernote wiz – Andy Traub. It’s overwhelming trying to keep track of the massive amounts of information you are forced to deal with every day. You get email, paper receipts, bank statements and make on-line purchases. You take notes at work or in church but you can’t keep it all organized. You’re being buried in information. Evernote is the answer to your information overload. Evernote can do so many different things that people that have been using it for years are constantly learning new ways to use it. I just taught Bob…
  • ChristianPF is now SeedTime

    Bob
    31 Jul 2015 | 5:02 am
    So why are we rebranding ChristianPF as SeedTime? There are really a lot of factors in this decision, but I will try to give you the gist of it. The short story is that I started ChristianPF in 2007 as my little blog to share my ideas about managing money and I had high hopes of reaching a few thousand people with it. I had no idea that it would soon become a full-time job for me just 2 years later and that it would continue growing until we would reach over 1.5 million people each month. I still am surprised by the growth and to be quite honest my vision just hasn’t been big enough and…
  • Best Financial Books for under $1

    Bob
    15 Jul 2015 | 7:38 am
    One of the great things about Amazon.com is that since they have a reseller program, the most popular books often are sold (used) for very cheap. In the case of this article, I picked out five of the best personal finance books out there that you can get for less than a buck. I wouldn’t say that these are necessarily the five best financial books written, but they are all very popular and have proved themselves to be worth something – even if it is only a buck! Just a quick disclaimer, at the time of this writing you could buy any of these books used on Amazon for under a buck.
  • 5 Bible Verses about Money Every Christian Should Know

    Bob
    10 Jul 2015 | 7:05 am
    Let me start by saying that it was difficult to create this list. Think about it, I am trying to pick the best verses from the Bible about a particular topic. Are there really best verses, or are there just those that have impacted us more than others? I tend to think the latter. So, this list is just that. These are the 5 verses that, even as I just scratch the surface of understanding them, have revolutionized my financial life. Each one of them has had a strong impact on many decisions in my life. I hope you allow them to impact you as well. FREE PDF Download! If you would like to download…
  • My Interview with a millionaire

    Bob
    27 Jun 2015 | 8:44 am
    I originally wrote this in 2008, but the key lessons still stand – so enjoy! I believe that success in life is rarely a case of luck, but rather a matter of cause and effect. If you do A and B you will get C. In most cases if you just do what others have done to get a desired effect you will get the same. So, if you want to learn how to build a chair, you should go ask a chair-maker how he does it. If you want to learn how to become a millionaire, you should ask a millionaire how they did it. It was learning this lesson that led me to seek out an interview with Bill. He was a friend of…
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    PT Money

  • My Mystery Shopping Experience: Such a Thing as Free Lunch?

    Contributor
    28 Aug 2015 | 6:00 am
    Editor’s Note: I love it when people do experiments with their time and money. Especially in areas where the truth needs to come out. Here’s Katie Turner sharing her mystery shopping experience. A few months ago, a friend started asking me to join her for lunch. She’d always pick up the tab! As it turns out, she was secretly reviewing the restaurant as a mystery shopper. So, the lunches were free! After some very yummy and fun lunches, I decided to check things out and become a mystery shopper myself. It’s been a fun experience. Today, I’ll help you separate fact…
  • How to Find Great Virtual Assistant Jobs and Get Paid This Week!

    Philip Taylor
    17 Aug 2015 | 10:30 am
    If you’re a good fit for the work style, and know where to find the best jobs, being a virtual assistant has plenty of benefits, including great pay. There are now more than 4 million administrative assistants in the U.S. according to the Bureau of Labor Statistics. Many of those are now virtual assistants. The outlook is good for the profession and the barrier to entry is low. A virtual assistant typically works from home and is hired on contract (not an employee). Virtual assistant can really do whatever is needed. Although most tend to perform tasks that lend themselves to the…
  • 10 Ways to Use “the Internets” to Save Money Online

    Emily Guy Birken
    27 Jul 2015 | 9:45 am
    Shopping is much different these days than it was even twenty years ago. With information, reviews, and price comparisons on any product you can imagine available 24/7, it now takes very little effort to be a savvy consumer and make sure you get the biggest bang for your buck. However, you may be unaware of other ways the Internet has made 21st century shopping, entertainment, dining, and banking cheaper for all of us. Here are ten ways you can use “the Internets” to save money online and help your bottom line: 1. Get coupons and discounts online. We’ve all heard of Groupon and…
  • Strategically Pay Down Your High-Interest Credit Card Debt with Payoff.com

    Jason Price
    24 Jul 2015 | 5:30 am
    We all know that paying the minimum balances on credit cards doesn’t work if you’re trying to get out of debt. As an example using Bankrate.com’s credit card minimum payment calculator, a $5,000 credit card balance at 18% interest and making a $125 (2.5%) monthly minimum payment, would take 272 months to be rid of your debt and cost you $6,923.14 in interest! Credit card debt is a serious situation. Especially when juggling more than one card and when your budget is only allowing for minimum payments. Sure, you can squeeze your budget, cut costs, and work extra. This should all be done…
  • 5 Ways to Organize Your Life and Save Money

    Emily Guy Birken
    21 Jul 2015 | 9:00 am
    I hate to admit it, but I am organizationally challenged. My home is littered with doubles of items I’ve bought when I could not find the original. My living room often looks like who-did-it-and-ran, which is only partially the fault of the resident rugrats. I’ve even been known to misplace checks for months at a time in the pile of stuff on my desk. After years of failed resolutions, I’ve come to realize that organization is a habit, and that there is no particular product I can buy that will make me organized—much as I love shopping at the Container Store. Ready to learn how to…
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    RetirementRevised

  • Why haven’t 401(k) managed accounts gained more traction?

    Mark Miller
    28 Aug 2015 | 12:33 pm
    Retirement savers who get professional help with their 401(k) portfolios stand a good chance of seeing better outcomes than those who don’t. But that doesn’t mean plan sponsors or participants are rushing to adopt one-on-one advisory services. The U.S. Department of Labor gives defined contribution plan sponsors three options for a qualified default investment alternative (QDIA), which are to be used if a plan participant doesn’t make an investment election on their own (many don’t). The options are target date funds (TDFs), managed accounts and balanced funds. While all three offer a…
  • Young workers in target-date funds hit hard by market drop

    Mark Miller
    27 Aug 2015 | 9:19 am
    As the stock market has whipsawed for the past two weeks, young workers who have all their retirement funds tied up in long-range target-date funds may have been the hardest hit. The average 25-year-old fully invested in a 2060 target-date fund series saw a 10 percent decline in account value from the market’s recent peak on July 17 through Monday’s close, according to Morningstar – close to the 10.96 percent decline of the S&P 500 over that period. Meanwhile, the average 65-year-old set to retire this year and invested in a 2015 TDF series saw just a 5 percent decline. Even if…
  • Retirees driving for Uber? Older Americans gearing up for the shared economy

    Mark Miller
    20 Aug 2015 | 7:23 am
    Brooke Folk Five dollars may not sound like much pay for doing a job, but don’t tell that to Brooke Folk. At age 67, Folk spends up to 30 hours a week on projects generated through Fiverr.com, a shared-economy website that requires all its vendors to offer something to customers for just $5 and takes a 20 percent commission on earnings. Folk, a former radio announcer and small business owner who lives near Pittsburgh, earns approximately $10,000 per year in supplemental income to his Social Security benefits on the site writing short stories and narrating scripts. He also sells –…
  • White House throws in the towel on auto-IRA, and turns attention to the states

    Mark Miller
    13 Aug 2015 | 7:33 am
    The White House is throwing in the towel on its stalled initiative to extend retirement saving accounts to millions of workers who currently aren’t covered by employer plans. Instead, the Obama Administration is turning its attention to helping states close the coverage gap. That’s one headline that surfaced at the recent White House Conference on Aging. President Obama announced that he has directed the U.S. Department of Labor (DOL) to clear the path for states to create retirement saving systems for employees of that don’t offer 401(k)s. If the rules are finalized before the…
  • At age 50, let’s weigh the future of Medicare

    Mark Miller
    10 Aug 2015 | 6:47 am
    Medicare is having a midlife identity crisis. Our most important health insurance program celebrated its 50th birthday on July 30, and two political and policy visions for Medicare’s future are competing for supremacy in Washington. And the winning direction will have important consequences for retirees in the decades ahead. The question on the table is how to best pay for health care for our aging population. In 2050, the 65-and-older population will reach 83.7 million–almost double what it was in 2012, according to the U.S. Census Bureau. Medicare has accounted for a rising…
 
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    Don't Quit Your Day Job...

  • The DQYDJ Weekender, 8/29/2015

    PK
    29 Aug 2015 | 11:06 am
    For those of you following my open source video card build, VGATonic, it’s moving onto the next round in the 2015 Hackaday Prize!  You can follow along over here. As for our normal fare, here you go! Our friend Jason Hull launched a financial help product (and related web site) – check out myFinancialAnswers; it looks like he’s got a good thing and a great team! J. Money attempts to tease out how much he enjoys his ‘stuff’ by thinking through his reactions to a theoretical burglary.  Where do you stand? At Financial Diffraction, a discussion about how much to…
  • The Recent Speed of Volatility Changes in the Stock Markets

    PK
    25 Aug 2015 | 4:34 am
    One thing to notice about the recent turmoil in the American stock markets is how quickly volatility can pop up out of seemingly nowhere. Let me back up: volatility, loosely defined, is an adjective applied to things which change quickly and often without warning.  It has made its way into many advanced fields – in chemistry, it refers to how quickly something becomes a gas, in computer science it refers to memory which may be changing outside of the purview of a program, and in finance it refers to the movement of prices of some asset.  Perhaps I’ll do a further article on the…
  • End of an Era (Part 1 of 4 on my move to San Francisco)

    CameronDaniels
    24 Aug 2015 | 5:00 am
    Only $4,300 for this studio sublet in San Francisco! I recently moved from the Dallas area to the Bay Area. The first thing I miss is the cost of living. The second thing I miss is the food. Dallas Fort-Worth has Mexican, cajun and good barbecue. But, thankfully, the summers here are much more bearable. It’s been 61 and sunny all day everyday for the past few weeks. There’s a drought going on in California and there are hills everywhere. People ride their bicycles to work and some people cruise around on Segway tours. I caught myself rolling my eyes at “tourists” from…
  • The DQYDJ Weekender, 8/22/2015

    PK
    22 Aug 2015 | 11:17 am
    I haven’t done a Weekender for some time, sorry about that!  I had been polishing up the video card I’ve been working on, which I’m happy to say is in very usable shape (if you are inclined to build one, that is, not buy one).  For you technical folks, here is a link. Otherwise, let’s highlight some good pieces! Our friend Sandi Martin shares some embarrassingly common (in a bad way) advice she hears parroted by some financial advisors. Ben Carlsen at A Wealth of Common Sense discusses Value Averaging as an alternative to lump sum investing. At Free By 50, a…
  • AAA, AA, and A Rated Corporate Bond Total Return Calculator

    PK
    17 Aug 2015 | 4:05 am
    On this page is a calculator which allows you to compute the total return of corporate bonds rated A, AA, or AAA.  It is based on the Bank of America Merrill Lynch US Corporate Master Index, split out to only return corporate debt in the A to AAA range.  This can be considered ‘safe’ from a credit rating perspective, although each individual A – AAA ranking is split out to individual rating results so you can decide for yourself which total return to track. The indexes listed track the total return of corporate debt and all returns include any accrued and reinvested…
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    Quizzle Wire

  • Tips for getting a good deal on a car loan

    Miranda Marquit
    27 Aug 2015 | 6:00 am
    Shopping for a car loan is not always the most fun thing you can do. At every turn, it feels as though someone is trying to badger you into a higher interest rate or a longer loan term. Before you head to the car lot, here are some tips to help you get a better deal on your car loan: Build good credit One of the best things you can do if you want a good deal on any financial transaction is to build good credit. Your good credit score can mean savings of hundreds — or even thousands — of dollars. Start out by visiting a website like Quizzle. A consumer credit site can give you an…
  • How a waiting period can encourage smarter spending choices

    Miranda Marquit
    26 Aug 2015 | 6:00 am
    Since moving across the country, I’ve had to make a few purchases. However, I’m being pickier about the things I buy because I don’t want to end up with a home full of things that I don’t care about. As a result, while some items are definitely “must-buys,” other things have been on a “wait list” while I evaluate whether or not they are necessary to our home. Instituting a waiting period One of the best things you can do for your finances is to institute a waiting period for the things you plan to buy. According to a survey from CreditCards.com, about 75 percent of Americans…
  • Are you cut out to be a landlord?

    Miranda Marquit
    25 Aug 2015 | 6:00 am
    A lot has been written about real estate lately. The idea of making “passive” income with the help of real estate rentals provides a draw for those who want to improve their cash flow. Whether you decide to rent your house out instead of sell it, or whether you want to buy an apartment complex and get tenants for the units, it’s important to figure out if you are cut out to be a landlord. What does it take to be a landlord? Know what it takes to be a landlord before you get started. One of the reasons that i sold my home in Utah at a loss last year is because I already knew I didn’t…
  • The pros and cons of different types of mortgages

    Cathy
    24 Aug 2015 | 6:00 am
    If you’re looking to buy a home, then you’re probably not just shopping for property, but also for a mortgage. But there are so many different types of mortgages out there. Here are some of the most popular loans available, and what you should know about them: Different Lengths The most common mortgage has a length of 30 years. That means that if you make all of your payments in full and on time, with no additional payments, you will pay off the mortgage in 30 years. But you can choose mortgages of different lengths. Shorter mortgages result in higher monthly payments, a paid off…
  • 4 reasons to establish good credit early

    Miranda Marquit
    21 Aug 2015 | 6:00 am
    Finances are an important part of your life. One of the best things you can do for finances is to build good habits early. While you probably know how important it is to live within your means and save up for what you want, the idea of establishing good credit early might not be on your radar. However, establishing good credit early on is an important part of your finances. Here are four reasons to pay attention to your credit, even if you don’t think you need it: Qualify for loans While it’s nice to think that you can live completely debt-free, that might not be feasible for some of your…
 
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    Get Out of Debt Guy

  • Rescue One Financial Hit with Class Action Suit by Howard Law

    Steve Rhode
    28 Aug 2015 | 10:19 am
    While working on another article I came across the case below. I’ve written articles recently about debt relief companies and the exposure of Telephone Consumer Protection Act claims. Michael Perri v. Rescue 1 Financial “1. Defendant Rescue 1 Financial, LLC (“Defendant” or “Rescue 1”) is a national financial services company that focuses on consumer debt ... The post Rescue One...
  • How to Start Making Money With a Pet Business

    Guest Post
    28 Aug 2015 | 8:16 am
    It’s a staggering number. The American Pet Products Association estimates that pet owners will spend over $60 billion on their pets in 2015. Owners love their pets and don’t mind spending money on them. If you need extra income, or a new career, you can profit from pet ownership. As the former owner of a ... The post How to Start Making Money With a Pet Business appeared first on Get...
  • New College Students – Avoid Getting Screwed on Bank Account

    Research Department
    28 Aug 2015 | 8:11 am
    Aug 26 2015 By Seth Frotman and Rich Williams If you’re a student starting college for the first time or transferring to a new college, you may be busy meeting new roommates and going through orientation. During these first few weeks, you may also need to get a checking or prepaid debit account. On campus, ... The post New College Students – Avoid Getting Screwed on Bank Account appeared...
  • Peruvian Man Charged with Leading Conspiracy to Defraud and Extort Spanish-Speaking Consumers through Call Centers

    Research Department
    28 Aug 2015 | 8:01 am
    A resident of Lima, Peru, was indicted by a Miami grand jury on fraud and attempted extortion charges for allegedly operating call centers that lied to and threatened Spanish-speaking victims in the United States, convincing them to pay fraudulent settlements.  Cesar Luis Kou Reyna, 40, was charged in a 33-count indictment with conspiracy, mail fraud, ... The post Peruvian Man Charged with...
  • Cornerstone Legal Group – Consumer Complaint – August 28, 2015

    Consumer
    28 Aug 2015 | 7:29 am
    Consumer Statement: I called Cornerstone LLC in Tumric Fla. they said they could help my credit. They told me not to pay three bills I was concerned about. They would get enough monies from me to negotiat a pay off. I agreed to give them 306.00 per month. I stopped payment on those companies, so ... The post Cornerstone Legal Group – Consumer Complaint – August 28, 2015 appeared first...
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    CreditShout | RSS Feed

  • T-Mobile Service With No Credit Check and No Deposit: What You Need to Know

    Christine Layton
    28 Aug 2015 | 7:55 am
    T-Mobile offers a variety of wireless plans that let you sign up with no credit check, no deposit and no annual contract.Bad credit can make many areas of life hard, from getting approved for an apartment to getting services like cable, internet and cell phone service. If you have tried to sign up for wireless […] The post T-Mobile Service With No Credit Check and No Deposit: What You Need to Know appeared first on CreditShout.
  • Investing With LendingClub – What You Need to Know

    Kevin
    27 Aug 2015 | 11:43 am
    LendingClub.com appears to be very beneficial to investors -- reportedly offering investors average returns between 9 and 12 %. Other investments simply will not yield this type of return in today's economy.For the lenders (the investors) this is one way to invest any amount of money, beginning at $25, and earn an average of about […] The post Investing With LendingClub – What You Need to Know appeared first on CreditShout.
  • Verizon Allset Prepaid Plan Review

    Kevin
    27 Aug 2015 | 3:46 am
    Verizon has the nation’s most reliable and fastest network, so it may make sense for you to turn to their Allset 4g LTE prepaid plans if you want a simple and flexible pricing method. Also, it is a great way to take advantage of Verizon's wireless network without credit checks, contracts, deposits, or activations fees.Recently, […] The post Verizon Allset Prepaid Plan Review appeared first on CreditShout.
  • AT&T GoPhone Prepaid Review

    Kevin
    26 Aug 2015 | 3:16 am
    AT&T offers several GoPhone prepaid plans for smartphones and basic phones with no-contract phones that connect to its 4G LTE network. In early 2015, AT&T updated its GoPhone prepaid plans to offer more 4G LTE data. AT&T offers a good mix of network reliability combined with affordable prepaid plans, a good selection of phones, and […] The post AT&T GoPhone Prepaid Review appeared first on CreditShout.
  • Can a Debt Collector Contact Me About a Debt That Is No Longer on My Credit Report?

    Kevin
    25 Aug 2015 | 11:10 am
    Q: Can a debt collector contact me about a debt that's no longer on my credit report?A: Unfortunately, a debt collector can contact a consumer about a debt that is no longer on the consumer's credit report. Your debts are removed from your credit report for various reasons. One reason a debt may be removed is that the […] The post Can a Debt Collector Contact Me About a Debt That Is No Longer on My Credit Report? appeared first on CreditShout.
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    Credit Card Chaser

  • Should You Retire Early?

    Alice
    28 Aug 2015 | 10:48 am
    Early retirement requires deep consideration, otherwise it might not work out for you. The dream of early retirement is one that many, many people have. The reality of early retirement can become a nightmare for those who are not prepared, as well as for those that go into it without giving it deep consideration. Even for those sitting on a tidy sum in assets, it is possible that early retirement simply is not the right move. Here are a few points to consider. The Traditional Retirement First, it is important to understand how retirement is designed to work for most people. Once someone…
  • Can You Afford Your Rent?

    Alice
    21 Aug 2015 | 9:36 am
    Over 100 million people live in rental properties in the United States. This includes properties like homes, condominiums, and apartments. Therefore, chances are high that you pay monthly rent rather than a mortgage. Rent rates vary from city to city, and even different areas within a single city can feature staggering differences. Certain areas in the country even feature rental rates that match mortgage rates. It’s a simple fact that millions of people struggle to pay their rent each month. Plenty of people pay late on a regular basis. Otherwise, a late payment or two per year is…
  • Are Coupons Making You Spend More?

    Alice
    14 Aug 2015 | 2:59 pm
    Coupons boast big savings, and it is difficult to pass up a good bargain. Coupons have been a staple of American consumerism for decades, and there are even television shows covering “extreme couponing” with buyers obsessed with savings. But are coupons actually tricking you into buying and spending more? Here are some ways coupons may actually be a trap rather than a bargain, and tips on how to avoid them. Buying What You Don’t Need The most common way that coupons can cost you money is by encouraging you to buy things that you otherwise would not have. Perhaps this can…
  • Different Types of Identity Theft

    Alice
    7 Aug 2015 | 4:07 pm
    Identity theft stands as one of the most common offenses in the United States, affecting over a million new people every month, and there are several factors that make it so widespread. To start with, it’s quite simple to commit. Criminals can generate a handsome profit with hardly any effort, and there’s often not much probability of them getting caught. A primary reason it’s so difficult for individuals to guard themselves against identity theft is due to there being several kinds of identity theft that may occur in a wide variety of ways. Methods for identity protection may help…
  • Should You Get a Business Card or a Consumer Card?

    Alice
    30 Jul 2015 | 9:33 am
    When a business owner applies for a credit card, he or she will have the option to apply for a consumer card or a business account. While there are many similarities between the two, there are also a few key differences. The credit card that is selected by the business owner will impact everything from convenience and usage abilities to financial record keeping, bonuses and perks and more. Each card has different features, costs, and benefits. However, when all options are carefully analyzed, the small business owner may discover that there are clear benefits associated with applying for a…
 
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    Ready To Be Rich

  • How Your Business Can Profit from Gift Certificates

    Fitz
    29 Aug 2015 | 12:55 pm
    As a blogger, I normally get invited to business events. While we don’t really get paid in cash to cover and write about them, we do sometimes receive gift certificates in exchange for our efforts in spreading the news about the business. Moreover, giving GCs as a birthday present is something I normally do for […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How Your Business Can Profit from Gift Certificates Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the IMG Wealth…
  • How Pinoy Families Can Live on One Income

    Fitz
    26 Aug 2015 | 4:36 pm
    The Philippine Bureau of Labor and Employment mandates that the minimum wage for those in the National Capital Region is Php 466 per day. This translates to an income of roughly Php 10,000 per month. And this number is just in NCR, where the minimum wage is already the highest. If you’re raising a family, […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How Pinoy Families Can Live on One Income Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the IMG Wealth Academy. Get more…
  • 10 Vital Financial Concepts That Every Adult Should Know

    Fitz
    23 Aug 2015 | 10:49 pm
    Money is an essential part of every functioning adult’s life, and learning how to manage it starts in understanding some of its vital concepts. Here are ten financial terms that you should know if you’re hoping to achieve financial independence someday. These are not necessarily your textbook definitions, but more of a practical guide in […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 10 Vital Financial Concepts That Every Adult Should Know Attend a FREE Personal Finance Seminar Learn practical money management and investing…
  • Why I Like Banking with BPI

    Fitz
    17 Aug 2015 | 6:58 am
    I am a BPI client for more than a decade now, and looking back, I can say that they have been a big part of my financial journey. I am often asked by my readers which bank I recommend, and I would always say that they should go for the one that’s easily accessible to […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Why I Like Banking with BPI Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
  • How To Have a Winner’s Mindset

    Fitz
    16 Aug 2015 | 4:45 pm
    Do you know someone who seems to always get what they want? You might say they’re lucky because everything comes easy for them; but more often than not, the reason why they achieve a lot in life is because they have the winner’s mindset. Having a winner’s mindset is mostly about having self-confidence, and the […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How To Have a Winner’s Mindset Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the IMG Wealth Academy.
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    Cash Flow Planning for Life

  • Controllership – How Does It Benefit Your Company?

    Mark
    28 Aug 2015 | 8:30 am
    Do you have a controllership position in your organization? If not, do you need help auditing your business accounts and supervising your financial affairs?   When was the last time you reviewed a financial analysis on the health of your company? Maintaining a healthy business can be more than a full-time job. Preparing your business for the ever changing business world of today can be a job in itself. “Peace of Mind” Having “peace of mind” that your systems are being managed correctly, personnel needs are being met, financial planning is in place, accounts payable are…
  • Accounting Systems – Are You Planning for the Future?

    Mark
    31 Jul 2015 | 3:00 pm
    Are you satisfied with the success of your business? Does your business get the attention to details that it needs? Do you feel confident that you are addressing all the changes in today’s complex business world? Whether you are an entrepreneur or an established business owner, you know the importance of engaging an accounting firm to prepare your compliance related documents. However, it doesn’t stop there, as there are many other challenges in running your business operations that your accountant can assist you with. When was the last time you met with your accountant? Did you address…
  • What Type of Commitment Do You Have From Your CPA?

    Mark
    29 Jun 2015 | 11:37 am
    Is your CPA committed to education? Does your CPA use cutting edge technologies? Do you receive quality service? These are the type of questions that your CPA should be happy to answer for you, giving you the “peace of mind” that you deserve. Don’t settle for anything less. Work with a CPA that is committed to continuous training and is well-versed in working with accounting in all facets of the economic chain. Regardless of the size of your business, personal attention to accounting details are vital to the success of your business. At Makara & Associates LLC, we “provide quality…
  • Alimony and Child Support – From a Financial Perspective!

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

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

  • The Exaggerated Income Gap?

    Joe
    24 Aug 2015 | 4:00 am
    That was the title of a Barron’s article this past week. There’s been more and more press about the gap between the rich and the poor. In my work as a real estate agent focussing on renting to low income people, I see people who aren’t lazy, but just the opposite. Showing me proof of income made by working a 40+ hour week at a minimum wage job, and asking if we can take their cash income into account as well. The regular extra money they make doing some labor or babysitting nights or weekends. When you make $1400 a month working full time, you’re not going to able to…
  • Christie’s Plan to Screw Your Retirement

    Joe
    10 Aug 2015 | 5:22 am
    It’s already election season, and we have 15 months to look forward to our politicians each jockeying for position, name calling, debating, all the way to the final two (or three?) we can choose from in November 2016. I am a personal finance blogger, and do my best to stay non-partisan, but when I hear proposals that will affect our tax code or cause me to change my advice on investing, I’m going to analyze it here. Today, it’s Chris Christie’s proposal to cut social security benefits. First, he’d like to push the age for full retirement benefits from the current…
  • Leaving a Job? What to do with your 401(k)

    Joe
    9 Jul 2015 | 4:00 am
    I was listening to my local news station when a segment came on, a 5 minute bit of money advice with a local author and financial planner, Jonathan Pond. I like his conservative approach. What’s unfortunate is that a quick few minutes to discuss any financial topic is going to miss some important details. In this case, the host asked what one should do with their 401(k) when they leave a job. Jon’s answer was to not leave it languish in the old account, to move it to an IRA. I hope listeners took that advice as “don’t forget about the 401(k), get more…
  • I got rich on credit card points!

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

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

  • Preparing Your Child for College {Office Max Can Help} #OMaxVisa15

    Lisa Thompson
    23 Aug 2015 | 5:00 am
    Disclosure: This is a sponsored post. As always, all thoughts and opinions are my own. It’s that time of year where teary-eyed moms and dads are sending their excited teenagers off to college!  My oldest daughter started college last year and I remember all those feelings of “Did I prepare her enough for the real world?”  and “Is she really ready to be on her own?” and so many other feelings!  I’ve always prided myself in raising independent kids, but I had a few moments of panic when my oldest moved 8 hours away from home! One of the most difficult…
  • Free and Cheap Weekend Activities and Events {August 21-23, 2015}

    Lisa Thompson
    21 Aug 2015 | 7:24 am
    This is our last weekend before school starts!  My older kids are already back in school, but the twins start on Monday. Take advantage of the weekend and do something fun as a family!  Maybe you can check some things off your Summer Bucket List! {If you don’t have a Summer Bucket List you can print one off here.} Whatever it is that you’re hoping to do, we’ve put together a great list of fun things you can do this weekend that won’t break the budget!  Some are events that take place on a weekly basis (like Michaels…which we do almost every weekend) and…
  • T-Mobile Discount Plans for Teachers and College Students

    Lisa Thompson
    19 Aug 2015 | 12:50 pm
        Disclosure:  This post is sponsored by Savings.com.  If you’re a college student or if you’re the parent of a college student, you know how important smart phones and tablets are.  My oldest daughter is in college and lives 8 hours away from home.  She would be seriously lost without her smartphone.  I mean that both literally and metaphorically.  She relies heavily on her GPS, but it’s also a lifeline to communicating with her friends at home. If I’m honest, I’d be lost if I couldn’t easily communicate with her (and by communicate, I…
  • DIY Hawaiian Bath Scrub

    Lisa Thompson
    19 Aug 2015 | 7:00 am
    Ever wish you could just escape to Hawaii for some rest and relaxation?  Me  too!  Unfortunately, time and money don’t allow for unlimited vacations!  If you need a quick pick-me-up, I highly recommend this DIY Hawaiian Bath Scrub!  It’s easy to make and it smells heavenly!  It also make a great gift! You can whip this up in no time at all! Ingredients: 2 cups Epsom Salt 1 cup sugar 1 cup coconut oil 2-3 drops of yellow gel food coloring, orange gel food coloring, and red gel food coloring 3-5 drops of each Orange Essential Oil, Lemon Essential Oil, and Rose Essential Oil…
  • Boston Cream Donuts Recipe

    lisa
    18 Aug 2015 | 8:13 am
    I love Boston Cream Donuts!  And now that I can make them at home I love them even more!  If you’re looking for a delicious breakfast treat, this is it.  This is the perfect recipe to make with the kids on a lazy Saturday morning! Here are the ingredients you will need…   For the Donut: 1 pkg Pillsbury Grands biscuits canola oil For the Filling: 1 box JELL-O Instant French Vanilla Pudding (3.4oz) 1 cup milk 1 cup heavy cream 1/2 cup powdered sugar For the Ganache: 2Tbsp heavy cream 2 Tbsp milk 2 Tbsp unsalted butter 1 1/2 tsp vanilla extract 1 Tbsp corn syrup 2 oz dark…
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    Benzinga Feeds

  • Why Brean's Liz Pierce Is Still Buying Chico's Stock

    Santhosh Naikar
    30 Aug 2015 | 5:45 pm
    In a report issued Friday, Brean Capital analyst Liz Pierce looks into small-cap women’s apparel retailer Chico's FAS, Inc. (NYSE: CHS) and reiterates a Buy rating and $22.00 price target on the stock, as strategic initiatives start to pay off and the “exit of Boston Proper re-allocates resources.”
  • Are The Best Hedge Funds The Oldest?

    Zoheb Sait
    30 Aug 2015 | 5:41 pm
    In a recent report, analysts at eVestment Alternatives Research look into the impact of hedge funds’ size and age on their performance. According to the note:
  • Top Hedge Fund Moves: A Look At Emanuel Friedman & Daniel Och's Latest Bullish Moves In Small-Caps

    J.D. Singh
    30 Aug 2015 | 5:41 pm
    Tracking hedge funds moves is central to many investment strategies, as it may provide with interesting, research-backed ideas. So, let’s take a look at some of the most relevant transactions in the past couple of days.
  • 3 ETFs To Profit From Deflation

    Patrick Williams
    30 Aug 2015 | 5:39 pm
    While the overall market tumbled and sold off, a few stocks and ETFs stood to benefit. One way to profit from this trend is betting on bear markets; another one, to place a wage on deflation – and this is what this article will suggest.
  • High Expectations For Ambarella In An Otherwise Quiet Earnings Week

    Nelson Hem
    30 Aug 2015 | 5:38 pm
    The week's economic calendar is highlighted by the Federal Reserve's next Beige Book report and a look at the employment numbers for August. Also throughout the week will be a scattering of off-season earnings reports.
 
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    Money Watch - Personal Finance Blog

  • iZettle Raises €60 Million, Introduces iZettle Advance

    Rob Lewis
    28 Aug 2015 | 12:22 am
    iZettle is introducing iZettle Advance, a new way for small businesses across Europe to obtain access to extra capital by getting an advance on future card sales. To support the development and expansion of iZettle Advance and fuel the continued growth of its existing business, iZettle has closed a €60 million Series D funding round led by previous investors Intel Capital and Zouk Capital. Starting today, iZettle Advance will gradually be made available throughout iZettle’s European markets. iZettle Advance has already been a game changer according to Jaime Morales, who runs and owns…
  • UK Contactless Spending Triples in 12 Months

    Rob Lewis
    26 Aug 2015 | 2:52 pm
    Data released by Barclaycard today shows that contactless spending has more than trebled in the last 12 months. A contactless Oyster card, not a Barclaycard. Barclaycard, which processes nearly half of all credit and debit card transactions in the UK, saw the amount consumers spent using contactless payments soar 150 percent, with the number of transactions rising 134 per cent. The figures come as the maximum amount which can be spent on contactless cards and mobile devices in a single transaction increases from £20 to £30. This starts to roll-out across the UK from today. Barclaycard…
  • A Run On RBS Bank? No, Just A Game Of American Football

    Rob Lewis
    20 Aug 2015 | 12:45 am
    There’s a good story on Finextra which demonstrates the danger of trying to use Twitter to measure sentiment. The Bank of England’s social media team charged with keeping an eye out for evidence of a run on a UK bank were alerted to a suspect spike in the run up to the Scottish Independence referendum. Could Twitter help predict a bank run? That was the question a group of us were tasked with answering in the run up to the Scottish independence referendum. To investigate, we built an experimental system in just a few days, to collect and analyse tweets in real time. The terms that…
  • Infographic: Mobile Wallets Compared

    Rob Lewis
    19 Aug 2015 | 3:40 pm
    Following on from our post on Apple Pay vs Samsung Pay from the other day, it’s worth taking a look at this infographic produced by CNN which compares the features of the major mobile wallets; Apple Pay, Samsung Pay, Google Wallet, Paypal and Bitcoin. Via The Financial Services Club  Infographic: Mobile Wallets Compared was originally published at Money Watch a UK personal finance blog. Sign up to our RSS feed and follow us on Twitter.
  • Pay By Selfie!

    Rob Lewis
    18 Aug 2015 | 3:04 pm
    Mastercard are running 2 tests where users can authorise payments by effectively taking a selfie with their smartphones. The (small) facial recognition trials are currently in progress in the US and Holland, according to Finextra. Mastercard are keen on finding out whether biometrics are a practical method for verifying identities, and will be using “selfie pay” (*runs off to trademark name*) alongside fingerprint scanning to see which is more reliable and simpler for customers to use. What next, pay by emoji? (*runs off…*)Pay By Selfie! was originally published at Money…
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    Credit Card Blog | UniBul

  • High Risk Merchant Account with no Monthly Processing Limit

    UniBul
    11 Aug 2015 | 9:20 am
    As long as your business is properly organized and has all the necessary licenses to operate, we can give you a no-limit merchant account. Read more on the same topic: How to Find the Right Merchant Account for Your High-Volume, High-Risk Business There are processors, which specialize in serving the high-risk, high-volume end of the merchant spectrum and they are always looking for new business.... Do You Need a Second High-Risk Merchant Account? High-volume businesses should set-up multiple merchant accounts, so as to spread the risk. Smaller merchants should focus on growing their business…
  • Social Media Have Become The New Frontier For Credit Card Marketing

    UniBul
    13 Mar 2015 | 8:39 pm
    The guys over at CardHub.com have looked at a lot of data to see how the latest credit card trends are affecting millennials and have come up with some interesting findings. Noting that the days that credit card companies used tables on campuses as mobile college student recruiting stations are gone with the passage of […] Read more on the same topic: On Holiday Shopping, Free Shipping and E-Commerce Marketing A beautiful infographic illustrates the way e-tailers approached this holiday shopping season, their top marketing channels and most successful promotional tactics.... Social Data…
  • High Risk Payment Gateway

    UniBul
    11 Mar 2015 | 8:39 pm
    As a company specializing in international card-not-present credit card processing, at UniBul we understand the importance of a solid, reliable high risk payment gateway. Every time a customer enters the checkout area of your site, everything should work flawlessly, as there is absolutely no room for error. Well, this is why we have designed our […] Read more on the same topic: How to Find the Right Merchant Account for Your High-Volume, High-Risk Business There are processors, which specialize in serving the high-risk, high-volume end of the merchant spectrum and they are always…
  • Should You Use Verified by Visa or Not? Here Is What You Need to Know About It.

    UniBul
    25 Jul 2014 | 3:00 am
    If you have a problem with fraud-related chargebacks, you would benefit from Verified by Visa; otherwise a traditional merchant account will work just fine. Read more on the same topic: What Is American Express SafeKey and Should You Be Using It? Built on the 3-D Secure protocol, American Express SafeKey helps e-commerce merchants to authenticate their customers during online transactions.... Should You Use a 3-D Secure Merchant Account? If you have a big problem with fraud-related chargebacks, you would benefit from a 3-D solution. For everyone else, a traditional merchant account would…
  • Yet Another Infographic Promises A Bitcoin-Dominated World… Do The Cryptocurrency Guys Ever Learn? Anything?

    UniBul
    21 Jul 2014 | 3:00 am
    The cryptocurrency crowd refuses to learn from reality, history, economics or anything that is not related to the purely algorithmic aspects of cryptomoney. Read more on the same topic: This Infographic Is Strikingly Beautiful. What It Tells Us Is Shocking. Credit card fraud losses are much higher in France than in the US, even though the French were one of the earliest adopters of the safer smart-card technology.... On Market Irrationality, Solvency, History and Bitcoin A beautiful infographic illustrates Bitcoin's history - a digital currency failing as a medium of exchange, but thriving on…
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    Smart Balance Transfers

  • How Not To Choose A Credit Card

    Jason Steele
    28 Aug 2015 | 6:00 am
    Credit card issuers spend billions on marketing to inform the public about the features and benefits of their products. But at the same time, it is important for credit card users to consider what to avoid when choosing a credit card. First, cardholders should always avoid credit cards that have no grace period. This is […]
  • Citi ThankYou Points Can Be Transferred To Airlines

    Jason Steele
    26 Aug 2015 | 6:00 am
    Citi’s ThankYou Rewards program joined competitors such as American Express Membership Rewards, Chase Ultimate Rewards, and the Starwood Preferred Guest program by allowing points to be transferred to airline miles. Eligible airlines include: Flying Blue (Air France/KLM) Asia Miles (Cathay Pacific) EVA Air Etihad Guest Garuda Indonesia Qatar Airways Singapore Airlines Thai Airways Malaysia Airlines […]
  • Rewards Pro – Easy Ways To Start Earning Travel Rewards

    Jason Steele
    24 Aug 2015 | 6:00 am
    Earning travel rewards can be complicated, but most of the travel rewards enthusiasts I know feel that they are spending their time well when they pursue points and miles. On the other hand, there is a large number of people out there who find themselves totally overwhelmed by all of the complicated credit cards and […]
  • How Much Cash Back Can You Get From Chase Freedom?

    Jason Steele
    21 Aug 2015 | 6:00 am
    Chase Freedom is one of the leading cash back credit cards, and for good reason. Cardholders earn 5% cash back on purchases from select categories of merchants that change each quarter, and 1% cash back on all other purchases. In addition, Freedom now comes with a large cash back sign up bonus. So how much […]
  • How Citi Double Cash Replaces Dividend Platinum Select

    Jason Steele
    19 Aug 2015 | 6:00 am
    For a long time, there were three major credit cards that offered 5% bonus cash back at select categories of merchants that changed each quarter. The Chase Freedom, Discover it, and Citi Dividend Platinum Select competed for space in this popular segment of cash back reward cards with no annual fee. Yet earlier this year, […]
 
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    Credit.com

  • 12 Ways to Slice Your Next Restaurant Bill

    Karla Bowsher
    29 Aug 2015 | 9:01 pm
    Earlier this year, Americans started spending more money eating out than they spend on groceries. It was the first time that has happened since the U.S. Department of Commerce started collecting such data. By this summer, the price of a restaurant meal had jumped 3% compared with one year prior. But rising restaurant costs don’t mean you have to give up the occasional meal out. These tips can help you cut the cost of eating out by more than half. 1. Buy a Discount Gift Certificate You might not hear about them as much because their novelty has worn off, but websites like Restaurants.com…
  • How to Make Sure Your Dream Home Is a Good Investment Too

    AJ Smith
    29 Aug 2015 | 9:01 pm
    You’ve probably heard real estate can be safer than the stock market, while still yielding decent returns. This can be true, but adding real estate to your portfolio is very different from investing in stocks, bonds and certificates of deposit. Finding success in the housing market often requires being able to find good deals and ripe opportunities. Check out some tips below to help you launch your housing market investment career. 1. Assess Your Goals It’s important to check your credit and have your finances in order before you get into the housing market. (You can get a free credit…
  • 5 Ways to Find Deals at the Farmers Market

    AJ Smith
    29 Aug 2015 | 9:01 pm
    Do you like fresh food? Of course. Do you want to get outside and meet some local people when the weather’s nice? I know I do. From May through November, farmers markets pop up in cities and towns across America. Farmers and artisans gather to sell everything they have to offer to eager members of the community. Food costs are one of the most common budget breakers, and farmers markets can help you get fresh, local produce at low prices to help you stretch your grocery budget. If you find yourself attending one sometime soon, be sure you get the most out of your experience by following…
  • Here’s How to Buy a House Without a 20% Down Payment

    Scott Sheldon
    28 Aug 2015 | 9:01 pm
    If you’re thinking about buying a home, you may need less money than you think. Here’s how to figure out the amount of cash you need to buy a home, and what you can do to buy a home using as little money down as possible. Contrary to popular belief, you don’t need 20% down. The minimum down payment you need to buy a home is 3.5% down with an FHA loan on a 30-year fixed-rate mortgage. This 3.5% down payment is a factor of the home price on a loan size up to the high-balance FHA county loan limit – which in most places is $417,000. However, it can be higher depending on the…
  • 7 Obvious Money-Saving Tips People Often Forget

    Kentin Waits
    28 Aug 2015 | 9:01 pm
    It seems everyone is exploring new and novel ways to save money. But sometimes in our quest for fresh ideas, we forget the basics that served us so well in the past. When that happens, take a step back and brush up on those neglected, tried-and-true methods. Here are seven classic money-saving tips worth another look: 1. Buy Used Let someone else take depreciation on the chin. Buying used cars, secondhand appliances in good working order, and gently used clothes and books is one of the best money-saving moves around. Don’t wait until you need an item to buy it; instead plan ahead. Think…
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    The Allstate Blog

  • 6 Simple Labor Day Backyard Activities

    Jen Kincaid
    27 Aug 2015 | 3:00 am
    Labor Day, which falls on Sept. 7 this year, is right around the corner. With no work in sight, it’s a perfect time to bail on your daily commute and have a blast in your backyard instead. But the holiday brings along with it some not-so-sunny news—it marks the traditional end of the summer season. To help observe the occasion, we complied six do-it-yourself backyard games you can play before the season shifts and you’re stuck indoors. Wave goodbye to the commonplace bean bag toss and horseshoes, and say hello to lawn memory matching games and backyard bowling. Here are a few games and…
  • 3 Ways to Prioritize Debt and Save Money in Your 20s

    Nicole Markle
    26 Aug 2015 | 4:01 am
    In the early years of your adult life, debt can add up quickly. From paying back student loans to buying a car to purchasing a home, expenses may add up to more than you have in your checking or savings account. For this reason, some people turn to credit cards. Credit card debt is a common and often harsh reality for people in their 20s. No one wants to be in the hole, but does that mean you should put most of your money toward paying off debt or should you try to save some for your future? According to Allstate’s 2015 Heartland Monitor poll, young people who are just starting out on…
  • Ways to ‘Flex’ Your Company’s Business Hours

    Nicole Markle
    25 Aug 2015 | 3:58 am
    If your small business keeps traditional business hours, it might be time to rethink your approach. Customers — particularly younger Millennial clients — increasingly expect to be able to engage with you on their schedule. “For that, you can thank the Internet and the proliferation of the ‘always-on economy,’” says Andy Birol, who coaches private and family businesses through Birol Growth Consulting. What this means for you: If your small business is going to hold its own or grow, you may need to tweak your work schedule, says Birol. For instance, plumbers might want to offer…
  • How to Buy a Car with Resale in Mind

    Brendan
    25 Aug 2015 | 3:00 am
    Imagine you’re in the market for a car, but perhaps not one that you’ll keep long-term. No worries. It’s possible to get a great deal now and sell for maximum value later — if you plan accordingly. The first question to sort out: Should you buy a new car or a used one? That answer depends on how long you plan to own the vehicle, says Oren Weintraub, founder and CEO of Authority Auto, a Sherman Oaks, California,-based car-buying consulting agency. The simple formula for deciding between a new and used vehicle, according to Weintraub: If you’re going to hold onto to the car for…
  • Does Living Near The Ocean Affect Your Car?

    Brendan
    20 Aug 2015 | 3:00 am
    Living near the ocean can offer a lot of perks. You get the cool ocean breeze, the calming sound of the waves and beautiful views of the sparkling sea. But, while life along the coast may seem ideal, it may not be easy on your car. In fact, certain environmental factors present in coastal locations may cause or accelerate vehicle corrosion and damage. Rust According to the Automotive Paint Handbook: Paint Technology for Auto Enthusiasts & Body Shop Professionals by John Pfanstiehl, the closer a car is kept to the shore, the quicker rust could form. Pfanstiehl, owner of Pro…
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    Centsible Life

  • Sunday Roundup: Back To School

    Kelly
    30 Aug 2015 | 9:08 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.
  • Blue Chip Kids Book Giveaway

    Kelly
    29 Aug 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.
  • What Should I Do With $5,000?

    Kelly
    29 Aug 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.
  • Fall Scarves For $20 Or Less

    Kelly
    28 Aug 2015 | 1:00 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.
  • Boston Family Vacation & The AFSP Overnight Walk

    Kelly
    27 Aug 2015 | 12:00 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
 
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    The Daily Reckoning

  • Will Obama Confiscate 401(k) Accounts?

    Dave Gonigam
    28 Aug 2015 | 2:06 pm
    This post Will Obama Confiscate 401(k) Accounts? appeared first on Daily Reckoning. “Can you guys comment on this?” writes one of our regular readers, linking us to a “401(k) confiscation” article by one David Mills, reposted on the website of Alaska radio host Joe Miller. As it happens, I was monitoring whether government will confiscate 401(k) accounts as long ago as 2008 — when Congress briefly debated killing the tax advantages of 401(k) accounts. And in my role as the Laissez Faire Letter’s 401(k) watchdog, I’m plugged into the new development that’s caught Mr. Mills’…
  • You Should Be Dollar-Cost Averaging Your Gold Purchases

    Peter Coyne
    28 Aug 2015 | 1:44 pm
    This post You Should Be Dollar-Cost Averaging Your Gold Purchases appeared first on Daily Reckoning. “I’d like to buy gold” says one reader, “and my friend told me to ‘dollar-cost average.’ What does that mean?” Here’s our short answer… Dollar-cost averaging is a “set it and forget it strategy.” You’re simply committing to pay the average cost for gold per ounce over time. That way, you don’t need to worry about timing the market. All you have to do is buy a set dollar amount of gold regularly, no matter the price.
  • This Market Is a “Wheelbarrow of Dynamite” Waiting to Blow

    Bill Bonner
    28 Aug 2015 | 1:26 pm
    This post This Market Is a “Wheelbarrow of Dynamite” Waiting to Blow appeared first on Daily Reckoning. DELRAY BEACH, Florida – It’s hot in Florida. Steamy hot. Hair curls and bodies go limp. The “relief rally” continued yesterday. All over the world, stocks gained. So did oil and commodities. (More on that below in today’s Market Insight.) The Dow was up 369 points – a 2.3% move. Chinese stocks were up by about 5%. Why? U.S. GDP numbers for the second quarter came out higher than expected. The economy grew by an annual rate of 3.7%. And influential New York Fed…
  • When it Comes to Recession and Deflation, the Fed is the Last to Know

    James Rickards
    28 Aug 2015 | 12:42 pm
    This post When it Comes to Recession and Deflation, the Fed is the Last to Know appeared first on Daily Reckoning. The Federal Reserve uses a complicated econometric model to make its forecasts about the U.S. economy. This model is called “Federal Reserve Bank U.S.,” nicknamed FERBUS. It shows growth of 5% in the near future. But markets are telling another story of economic weakness. Markets are also signaling only a 35% chance of a rate hike in September 2015 even as Janet Yellen keeps saying she plans to raise rates. Maybe it’s time the Fed stopped listening to Ferbus and started…
  • Donald Trump’s Enemies Attack His Net Worth

    Genevieve LeFranc
    28 Aug 2015 | 12:21 pm
    This post Donald Trump’s Enemies Attack His Net Worth appeared first on Daily Reckoning. Maybe that flush is from his signature orange glow… Maybe those beads of sweat are from that dubious hair piece… Donald Trump seems to be feeling the heat from his haters lately. In a relatively short span of time, Trump has been compared to Hitler, ignited countless Twitter feuds, and has managed to rack up more enemies than the number of his alleged net worth. Read on for the full rundown of Trump’s enemies… Trump Enemy #1: “Latinos” While quite broad, I think it’s fair to say…
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    Canadian Finance Blog

  • What Are the Risks of Leveraged Investing?

    Tom Drake
    24 Aug 2015 | 5:00 am
    One of the ways that some people choose to make more money investing is to do so with leverage. This can be one way to boost your overall returns. However, you do need to be careful, though. Not only can leveraged investing magnify your gains, but it can also magnify your losses. Before you use this type of investing, make sure you understand the risks involved. What is Leveraged Investing? Leveraged investing involves borrowing money to invest a larger amount up front, rather than waiting for money to come available for investing. It’s a way to get a bigger lump sum at one point.
  • The Best Aeroplan Credit Cards of 2015

    Tom Drake
    20 Aug 2015 | 5:00 am
    Over the years, Aeroplan has evolved into a broad rewards coalition, although it is still mainly associated with travel miles. Aeroplan credit cards allow you to find ways to earn rewards on a number of items, from food to hardware to travel. Most people still associate Aeroplan with air travel rewards. Your ability to use regular spending to build up rewards can be a valuable tool for your finances. With the right strategy, you can come out ahead with your money, even if you do use credit cards on a regular basis. If you are looking for an Aeroplan credit card that can help you get ahead and…
  • How to Make Your Car Last Longer

    Tom Drake
    17 Aug 2015 | 5:00 am
    A car is one of the largest purchases that most people make. After your home, your car is likely to be the most expensive thing you buy. Unfortunately, you are also likely to replace it more times than you are likely to replace your home. Over your lifetime, it’s possible that the cars you buy can add up to the cost of a home. The best way to get the most out of your purchase, and not need to replace it as often, is to keep your car properly maintained. A car that is properly maintained will have fewer problems overall, and cost less in the long run. Your car will last longer, and need…
  • The Best Low Interest Credit Cards of 2015

    Tom Drake
    13 Aug 2015 | 5:00 am
    If you regularly carry a balance, you will probably need a low interest credit card. Low interest credit cards can also help with your debt repayment plan. It’s hard to pay off debt efficiently when you are stuck paying 19.99%. It can make a big difference to have a lower interest rate. Low interest rate credit cards are helpful for the occasional large purchase that might require three or four months to pay off. Think about your plans for the future, and consider whether or not you might benefit from the right low interest credit card. Here are some of the best low interest credit…
  • Backup Your Important Documents and Files

    Tom Drake
    10 Aug 2015 | 5:00 am
    We don’t often think about things like backing up documents and files. It’s something that seems boring and is easy to forget. Unfortunately, it’s something that comes up in the worst of circumstances, when you lose important information and can’t get it back. I recently deleted an entire folder of files on my personal computer, and while it was a huge hassle and cost me some time and a bit of worry, thankfully my backup came through for me when I needed it. So I thought it might be a good time to remind everyone to regularly back up their documents. Where Should You…
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    The Dividend Guy Blog

  • Apple & Disney: Similar past, Similar Issues, Similar Future

    DivGuy
    13 Aug 2015 | 2:29 am
    Summary Both stocks are taking a beating lately on the market and they share the same issue at different levels – technological evolution. Both companies must please spoiled, greedy and very demanding investors. Both stocks had hit their all-time high in 2015 and both are strong buysat the moment.   Between July 15th and August 6th, both companies lost nearly 10% on the stock market. Is it something that will continue this fall? Is it time to let these two companies go as they had hit their all-time stock price highs not so long ago? By looking at their similarities, we will better…
  • 20 Strong Dividend Growth Stocks – Rock Solid Ranking Free Report

    DivGuy
    10 Aug 2015 | 8:09 am
    Last year, I created the Rock Solid Ranking, a dynamic stock ranking list that shows a value for each dividend stock I follow. I’ve worked on calculations that consider several metrics in order to find the best companies among all those on the stock market. This list is particularly useful when the stock market is becoming highly valued (not overvalued yet in my opinion). Each month, I’ll be sharing with you, for free, the top 10 dividend growth stocks for both the US and Canadian markets. You can download your report here: August 2015 Top 20 Rock Solid Ranking   Previous reports:…
  • Dividend Reads for the Weekend

    DivGuy
    7 Aug 2015 | 7:48 am
    I had a blast at my son’s soccer game yesterday! I was proud as a coach but also as a father. My boy truly was the player of the game. He managed to block the other team’s best player during a crucial timing and we won! I wish we can find a way for him to continue playing during the RV trip. Costa Rica sounds like a nice place for such a sport! On the blog side, I made a stock battle between the four major Canadian telecom companies. It is still time to read it to know the winner. Then I wrote The Past 5 Years is Blinding Dividend Growth Investors. Is the recent excitement towards…
  • The Past 5 Years is Blinding Dividend Growth Investors

    DivGuy
    5 Aug 2015 | 2:26 am
    It happens all the time; It’s the nature of the beast; We run around in circles, because this is what it is!   This thought crossed my mind while doing stock analysis; I’m being blinded by the past 5 years! The funniest thing about humanity is that we have the benefit of having over 2,000 years of recorded history and yet keep making the same mistakes over and over again. It’s like everything that happened yesterday doesn’t exist at all; that the situation we face today is completely different than the last time it happened. I’ll tell you a big secret; it’s not different.
  • Canadian Dividend Telecom Comparison: BCE Vs Rogers Vs Shaw Vs Telus

    DivGuy
    3 Aug 2015 | 8:03 am
    At the end of June, I produced a complete analysis of the five biggest Banks in Canada. While this post was featured on Seeking Alpha, I thought of publishing this second Canadian sector analysis on my blog. I think you will like seeing which telecom is the best one to hold for a dividend growth investor. I will highlight the differences in their business models, dividend profiles and other important fundamentals along with their current stock valuations.   Business Model BCE (BCE) is the largest communications company in Canada. The company recently acquired CTV for 1.3 billion dollars.
 
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    MoneyProblems.ca

  • Conquering Debt In 4 Easy Steps: The Debt Snowball

    Sarah Milton
    19 Aug 2015 | 5:00 am
    If you search online for strategies to get out of debt you’ll quickly discover that there are a myriad of options to choose from. Just as each person’s journey into debt is different, the best strategy to get out of debt will vary from person to person. To me, what’s... Read more The post Conquering Debt In 4 Easy Steps: The Debt Snowball appeared first on MoneyProblems.ca.
  • Your Financial Health

    Gail Vaz-Oxlade
    5 Aug 2015 | 5:00 am
    Sound money management isn’t about binge spending and then cutting back until it hurts. Sure, when you’re in a store and something new and shiny catches your eye, you’re tempted. But just like eating a whole bag of one-bite brownies and then refusing to consume even a slice of toast... Read more The post Your Financial Health appeared first on MoneyProblems.ca.
  • Tips For Choosing The Right Debt Consolidation Approach

    Moneyproblems Answers
    22 Jul 2015 | 5:00 am
    When it comes to consolidating your debts, it’s important to create goals that can help you to choose the right approach for your personal situation. Knowing what you want to get out of the process, including lower interest rates, lower payments, creditor protection or a combination of goals is important... Read more The post Tips For Choosing The Right Debt Consolidation Approach appeared first on MoneyProblems.ca.
  • 7 Steps to Taking Control Of Debt

    Sarah Milton
    8 Jul 2015 | 5:00 am
    “Debt is normal. Be weird!” – Dave Ramsey One of the most challenging emotions that accompanies debt is the feeling of hopelessness that can fall over you when you look at your statements. That feeling can be paralyzing; stopping us from making any significant moves to change our situation because it... Read more The post 7 Steps to Taking Control Of Debt appeared first on MoneyProblems.ca.
  • Should You Lease or Buy A Car? Infographic

    Moneyproblems Answers
    24 Jun 2015 | 5:00 am
    If you are talking to a car dealer or financial institution about how to finance your next car purchase, here is a handy infographic that can help ensure you understand the key differences between these two financing alternatives and ask all the right questions. More detail information can be found... Read more The post Should You Lease or Buy A Car? Infographic appeared first on MoneyProblems.ca.
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    JoeTaxpayer

  • The Exaggerated Income Gap?

    Joe
    24 Aug 2015 | 4:00 am
    That was the title of a Barron’s article this past week. There’s been more and more press about the gap between the rich and the poor. In my work as a real estate agent focussing on renting to low income people, I see people who aren’t lazy, but just the opposite. Showing me proof of income made by working a 40+ hour week at a minimum wage job, and asking if we can take their cash income into account as well. The regular extra money they make doing some labor or babysitting nights or weekends. When you make $1400 a month working full time, you’re not going to able to…
  • Christie’s Plan to Screw Your Retirement

    Joe
    10 Aug 2015 | 5:22 am
    It’s already election season, and we have 15 months to look forward to our politicians each jockeying for position, name calling, debating, all the way to the final two (or three?) we can choose from in November 2016. I am a personal finance blogger, and do my best to stay non-partisan, but when I hear proposals that will affect our tax code or cause me to change my advice on investing, I’m going to analyze it here. Today, it’s Chris Christie’s proposal to cut social security benefits. First, he’d like to push the age for full retirement benefits from the current…
  • Leaving a Job? What to do with your 401(k)

    Joe
    9 Jul 2015 | 4:00 am
    I was listening to my local news station when a segment came on, a 5 minute bit of money advice with a local author and financial planner, Jonathan Pond. I like his conservative approach. What’s unfortunate is that a quick few minutes to discuss any financial topic is going to miss some important details. In this case, the host asked what one should do with their 401(k) when they leave a job. Jon’s answer was to not leave it languish in the old account, to move it to an IRA. I hope listeners took that advice as “don’t forget about the 401(k), get more…
  • I got rich on credit card points!

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

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

  • SoFi Review: Social Lending For Student Loans, Mortgages, And Personal Loans

    Financial Samurai
    30 Aug 2015 | 2:38 am
    In early 2015, I finally got rejected from a mortgage refinance process. It’s too bad because I literally locked in an all-time low rate of 2.15% for a 5/1 jumbo ARM. Only after two long months of asking me for document after document did Chase Bank finally deny my application. To put things in perspective, I have never been late on a mortgage payment in 11 years, nor have I ever welched on a debt. My credit score is over 800 and I have enough liquid assets to pay off the entire mortgage I wanted to refinance. So what did me in? Earning 1099-MISC (freelance income) for less than two…
  • Accumulate More Wealth With An Investing Game Plan

    Financial Samurai
    27 Aug 2015 | 2:45 am
    A 15% stock market drop in a week should have shaken everybody into developing a financial game plan. Doing nothing is considered one game plan. But doing nothing because you couldn’t be bothered to think about how scenarios might play out is really lazy. It’s better to be lucky, than good. However, what if you’re neither? Since writing the post, Stock Market Meltdown Implications For Everyone, many of you have asked for specific advice on how to deploy your capital into the markets. Given everybody’s financial situation is different, I’m just going to suggest a five step…
  • How To Become A Rockstar Independent Contractor

    Financial Samurai
    25 Aug 2015 | 3:18 am
    The government estimates that roughly 31% of the American workforce are independent contractors. Meanwhile, Intuit did a study saying that 40% of the American workforce, or ~60 million people will be freelancers, contractors and temp works by 2020. Finally, six million Americans are choosing to work part time, according to the U.S. Bureau of Labor Statistics this year. It’s clear the trend towards freelancing is on the rise thanks to technology, the Internet, declining company benefits like pensions and 401k matches, Universal Healthcare and the general desire for all mankind to be…
  • Stock Market Meltdown Implications For Everyone

    Financial Samurai
    22 Aug 2015 | 2:18 am
    1, 2, 3 panic! The US markets is experiencing one of its nastiest three-day falls in years with the Dow Jones Industrial Average dropping ~15% as global growth fears take hold. It doesn’t help matters that the Fed seems pretty adamant on raising the Fed Funds rate by the start of 2016 either. It’s a good thing that most of us are super savers, have a diversified net worth, actively rebalance our portfolios, and haven’t confused brains for a bull market! We’ve also been preparing for downturns all year with posts such as: “Are We In Another Financial…
 
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    Automatic Finances

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    Louis
    25 Aug 2015 | 6:41 pm
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    25 Aug 2015 | 6:40 pm
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    25 Aug 2015 | 6:40 pm
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    25 Aug 2015 | 6:40 pm
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    Louis
    25 Aug 2015 | 6:40 pm
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    Personal Finance Blog

  • How Secure Is Social Security?

    Twila VanLeer
    13 Aug 2015 | 12:04 pm
    Social Security is 80 years old and many Americans are fearful that the old age benefit might die of old age. Surveys show that fewer than half of Americans feel confident that the program will stay equal to or become better than it is today, according to the Employee Benefit Research Institute. But the institute’s experts assure that SS will be around to remain the retirement mainstay of those now in the work force an their children and grandchildren. If nothing else, the great majority of those now serving in Congress see it as a necessary element of the country’s personal finances, and…
  • Chrysler Recalls 1.4M Vehicles After Hacking Incident

    Twila VanLeer
    25 Jul 2015 | 12:53 pm
    In a testing situation, a remote user disabled this vehicle’s brakes sending the car into a ditch.Imagine yourself traveling down the freeway when a hacker suddenly takes control of your vehicle. It’s a scary thought. And some automotive experts recently proved that is could be done. First Chrysler Automotive NV issued recalls for some 1.4 million cars and trucks equipped with radios that were shown to be conduits for hacking, based on the results of the experiment. It involved a group of software programmers who proved that a Jeep Cherokee being driven down a Missouri highway could…
  • Millennials Confident For Future

    Twila VanLeer
    22 Jul 2015 | 6:56 am
    That group of Americans who became young adults just as the new century arrived – collectively known as Millennials in the current vernacular – are probably more job-savvy than their older peers and more optimistic about their role in the nation’s economy. By 2025, they’ll make up 75 percent of the nation’s workforce. They see the future through rose-colored glasses and have confidence in their ability to find the job they want. They put a high premium on rapid advancement in their chosen field and they want to be well-paid for what they do. The necessity to repay student loans is…
  • Fraud And Liability Charges For Merchants

    Twila VanLeer
    21 Jul 2015 | 4:48 pm
    EMV credit cards are being accepted at over 78,000 merchants.More and more credit and debit cards containing fraud-busting chips are showing up at the point of purchase. Creditcard.com reports 78,800 merchants have installed EMV technology. That’s good news for most individuals, but have become a source of concern for small businesses that can ill afford the equipment needed to handle the new cards. Banks and credit card companies hail the advanced technology as a way to sharply reduce fraud opportunities. They are distributing the cards and phasing out magnetic strip cards that are easier…
  • When To Close A Credit Card

    Twila VanLeer
    12 Jul 2015 | 3:01 pm
    Keep the number of credit cards you have to a minimum.If you are like most Americans, you are besieged with offers to try a new credit card, often offering a lower interest rate or more rewards than the one you are currently using. How to decide, short of accumulating a fistful? Closing out one of your current cards to accommodate another may make good economic sense, but it also can have a downside. Closing out a card you have had for a long time may cause a temporary dip in your credit rating. Some card holders opt to hold onto their old, established cards rather than swap for a…
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    Unbiased financial advice from fee-only financial planners

  • Estate Planning is the Ultimate Gift for Adult Kids

    Michael Chamberlain, CFP®
    25 Aug 2015 | 1:01 pm
    Your adult child’s birthday is coming up, and you’re experiencing the annual quandary: What will I give this year? Let me suggest a gift your kids would never, ever think of getting for themselves, but which could possibly even save their lives. The gift: estate planning documents. That’s right: […] The post Estate Planning is the Ultimate Gift for Adult Kids appeared first on Chamberlain Financial Planning & Wealth Management.…
  • Market Update: What You Need To Know

    David Blain
    25 Aug 2015 | 9:57 am
    The decline in stock market values has been quite broad-based around the globe the past couple of weeks, accelerating in the past two days. Although it can be disconcerting at times, our message remains the same: focus on the long-term and on what you can control. Is this Normal? There have been over 1,000 trading days in the US stock market between its 2011 correction and the one we’re in the midst of presently. This is an extraordinary length of time for the markets to rise essentially uninterrupted. Historically, you would expect a 10-25% correction in the stock market every …
  • How Gender Differences Can Affect Your Investments

    Michael Chamberlain, CFP®
    25 Aug 2015 | 9:45 am
    *Published on Nerdwallet  With investing, it’s a fact that the better you know yourself, the more likely you are to get better results. That’s why it helps to understand gender-based (some might say gender-biased) investing tendencies. Let me explain first that “gender-based” is a bit of a misnomer. Though we can see differences along gender […] The post How Gender Differences Can Affect Your Investments appeared first on Chamberlain Financial Planning & Wealth Management.…
  • A New-Hire Checklist

    jim@blankenshipfinancial.com (Jim Blankenship)
    25 Aug 2015 | 5:00 am
    Starting a new job can be very overwhelming. Often, new-hires go through a barrage of training, information overload and multiple booklets covering procedures, processes and application. Somewhere in that mix is the benefit package. Here is where the new employee can sign up for important health insurance coverage, retirement savings plans, and other benefits such as life insurance and disability. In the stress and whirlwind of the on-boarding process, sometimes benefits can get pushed to the side, and then after time, forgotten about. Here’s a checklist of what a new employee can do to…
  • What’s Going On in the Markets August 23, 2015

    Sam Fawaz, CPA, CFP®
    24 Aug 2015 | 10:37 am
    Some of the most entertaining times to be a long-term investor are those periods when short-term investors are looking over their shoulders for an excuse to sell. They’re convinced that the market is heading down before they can get out, and so they jump on any bad news that comes across their Bloomberg screen. Last Thursday and Friday was a marvelous time to see this in action. With all the economic drama playing out in the world, there were plenty of opportunities to panic. The Greek Prime Minister has resigned! Sell! … China devalued its currency a few days ago …
 
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    Budgets Are Sexy

  • Challenge Savings (& Podcast) Update: $4,990.84

    J. Money
    28 Aug 2015 | 2:02 am
    I swear we’ve just did one of these like last month? And the month before that, and before that, that, that, that, that ,that ,that , and that? Damn time flies. And don’t worry, if these are getting played out there’s only one month left in the mission ;) But if you’re new here, THERE’S ONLY ONE MONTH LEFT IN THE MISSION – OMG!! Hurry up and get on it and start banking that $$$ like you were a part of the Wu! (Cash Rules Everything Around Me – C.R.E.A.M.! – get the money, dolla dolla bill, y’all) Here’s our total savings so far:…
  • “It’s Your Own Fault You Own Expensive Stuff”

    J. Money
    26 Aug 2015 | 2:04 am
    On one of my morning walks recently, a nice older gentleman stopped me and asked if I had sat next to him at a recent community hearing. “I did not,” I replied. “What did you and my twin talk about?” “The news about that homeless shelter being made down the street. I lost a little faith in humanity that day.” “Ahhhh,” I nodded, “I’ve heard a lot about it, though I haven’t paid attention much. I’m guessing you’re on the side that’s for it?” “Yes. I’m all for people – not things.”…
  • Get These Questions Right and Win The Game of Money

    J. Money
    24 Aug 2015 | 2:07 am
    Morning hustlers! You ready for a new week? A new chance to improve your finances? How about your mind at the same time? :) Came across another money test on the internets, and according to The Motley Fool if you don’t answer these questions right you’re financially illiterate (d’oh). Here are the 5 questions below, along with my own answers and then followed by theirs. Try to answer them first before cheating and see where you fall. Fingers crossed for you! #1. What is your net worth? Starting off with an easy one I see! $490,000. #BOOM I swear if you don’t know this…
  • 18 Ways Not to Spend Money This Weekend

    J. Money
    21 Aug 2015 | 2:02 am
    Here are 18 ways to have a money-free weekend. In order of importance: Don’t walk into any stores Get off Facebook/Amazon/THE INTERNET Hand someone your wallet. (Preferably someone you know) Throw yourself a 3 minute dance party. (Crank up your favorite song and dance the crap out of it!) Spend one hour brainstorming 10 ideas Only wear clothes that still have their tags on Write someone one of those “letters” you used to find in the mail Log onto MissingMoney.org and see if you have any, *ahem*, missing money Forgive someone, even though you were clearly right and…
  • GIVEAWAY: Republic Wireless Phone + Service!

    J. Money
    19 Aug 2015 | 2:08 am
    Hey Guys! If you’re still needing a push to give Republic Wireless a shot, today could be your lucky day :) I got word that they just released a new phone in their lineup, and to help promote it they shot me a prize package to give away which includes the phone and 3 months of free service – woo! Though the service doesn’t cost that much to begin with, haha… The exact reason I decided to switch a year ago for a total savings of $100 each month :) $1,200 now banked from a single step of action! They’ve since changed their plans up to a simple “refund”…
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    Financially Poor

  • HostGator Black Friday

    Kevin
    29 Aug 2015 | 4:00 am
    Here are the Black Friday Specials for Host Gator   Shared hosting: As low as $4.95 Now only: $2.48/month (pre-paid)   Reseller Hosting: As low as $24.95 Now Only: $12.48/month (pre-paid)   VPS Hosting: As low as $19.95 Now Only: $9.98/month (First Month)   Dedicated Servers: As low as $174 Now Only $87/month (First Month) Get these deals at Host Gator at midnight Friday morning. One Day only. The post HostGator Black Friday appeared first on Financially Poor. Related posts: 5 Tips For Making the Most of Black Friday Do Black Friday Deals Still Matter? Identity…
  • Would You Give This Cheap Christmas Gift Idea?

    Kevin
    27 Aug 2015 | 3:41 am
    Every year it gets harder and harder to find a gift for someone. I just thought of a cheap gift that could both teach something and be given each year without being boring. Coupons!! If you know someone who doesn’t clip coupons then it’s obviously something they don’t have. I don’t think it would be viable as a surprise gift because you don’t really know what they buy.  Just ask them what items or brands they normally buy, or you can be ninja (and a little creepy) and scope out their pantry. Then from then until Christmas, as you clip out your coupons just clip some for them.
  • Payday Loans Help People

    Kevin
    25 Aug 2015 | 3:21 am
    Payday loan companies are banks for poor people. They cash your checks, make money orders; you can even pay your bills there. Some of these places will help you with your taxes and even set you up with a prepaid visa card. The downside is that all of these things cost money. But that’s the point of business, to make money. You can’t really fault them for that. They do charge a high interest rate, if you change their fees to an APR. But apparently it’s not too high, because people are using them and their business is growing. The point of these companies is to cover you in case something…
  • A Warning About Buying Penny Stocks

    Kevin
    23 Aug 2015 | 2:55 am
    Penny stocks are, as the name suggests, stocks that trade for a few pennies. Technically, a penny stock is any stock whose price is less than $5, but it is usually used for stocks that are a few cents or a little more than a dollar. No matter the classification, penny stocks are cheap and some people find them to be very profitable. They carry higher risk than normal stocks because if the stock of the company is faring very poorly, chances are the company might just fail or never really recover. On the other hand, if it does recover, then the profits can be astronomical. This is what a lot of…
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    Couple Money

  • Not Panicking When the Stock Market Falls

    Elle Martinez
    28 Aug 2015 | 5:04 am
    Whenever the market surges up or falls down, you’ll see news outlets analyze (and in some cases sensationalize) what this means to our economy and to investors. Back when BP’s stock plunged after the Gulf Spill, some analysts were wondering if the company would go bankrupt, while others saw it as a buying opportunity. We can look back and see how things played out, but in the middle of it, it was easy to be confused and overwhelmed. So how do you know if you need to buy or sell when the market falls? How to Invest in a Volatile Market As you can see in the chart above, while the…
  • Launching a Business on a Shoestring Budget

    Elle Martinez
    25 Aug 2015 | 1:37 pm
    This weekend I was reading about how creative entrepreneurs were launching and building businesses in this digital economy. While it’s no walk in the park, there are many benefits to starting your own business. For some it’s a way to earn extra money while using their talents. Others may be hoping to transition into a full-time career, giving them more control and freedom. Free Business Tools to Launch Your Business Starting your own business, even from home, means investing time, talent, and often money. The good news is you don’t have to have a large budget to launch…
  • Finding the Best Insurance Rates as a Couple

    Elle Martinez
    24 Aug 2015 | 9:20 am
    Are you two looking to save on your current bills? One area that you may be able to get some significant savings is by comparing insurance quotes. Thanks to the web, it can be done quickly and easily, but before you should have a game plan to maximize your results and find the best insurance rates. Why You Want to Compare Insurance Quotes Getting a great deal is more than just looking for the cheapest price. Those low prices may mean you’re not adequately covered,  which can expose you to unnecessary risks and drain your savings when you need it the most. You also don’t want to…
  • Smart Home Improvements When Selling

    Elle Martinez
    20 Aug 2015 | 8:14 am
    As we’re in this process of selling our house, I’ve been binge watching some shows on HGTV (I’m calling it research!). Right now, I’m in the middle of Buying and Selling with the Scott brothers. Sell Your Home Fast with Renovations and Upgrades In case you haven’t caught it, the show has Drew and Jonathan help homeowners sell their current home by sprucing up the place and buy a new place. Even if you’re not a fan of renovation shows, there are some helpful lessons that you can pick as you get ready to list your house. Make Your Home Show Worthy Just…
  • Teaching Kids About Money: Allowances

    Elle Martinez
    17 Aug 2015 | 8:09 am
    Starting last year, we slowly introduced some money concepts to our little girl based on her interests. Now our daughter is beginning to receive an allowance. It’s a big transition for us in helping our kid become savvy and comfortable with money. How Allowances Help Kids In The Opposite of Spoiled, Lieber discusses how allowances can be a powerful tool in helping kids use money as a reflective of positive values such as generosity and entrepreneurship (check out his full interview on the podcast). We had a lot of the same questions and conversations about kids and allowances that…
 
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    Beating Broke

  • How to Manage the High Cost of Back-to-School Expenses

    MelissaB
    27 Aug 2015 | 7:36 pm
    Do you remember the back-to-school excitement?  Your parents likely took you out shopping for new clothes and new folders, pens, pencils and other supplies.  While you couldn’t wait to get out of school in June, you were equally excited (at least temporarily) to go back in August or September. Yet, now, many parents may dread the back-to-school season because of the financial burden.  Yahoo! recently reported that the average back-to-school price tag for a high school student is $1,402!  That includes the cost of back-to-school supplies, musical instrument rentals, sports and field…
  • Pay Off Your Debt for Good

    Nic @ Young and Wealthy
    18 Aug 2015 | 9:33 am
    “There are two ways to enslave a nation. One is by the sword. The other is by debt.” There is an ongoing debate on the internet about whether or not that quote was first said by John Adams. Regardless, the quote is very powerful with its meaning. Debt is slavery. With debt you are controlled by the person in which you owe. If you don’t believe me, stop paying your monthly payments on your house, car, or other loans. The bank or other creditor will come along and seize that asset from you or other assets that have been used as collateral. Debt is very powerful and can take a massive…
  • Our Cross Country Move: One Year Later

    MelissaB
    13 Jul 2015 | 5:35 am
    Almost one year ago, our family made the move from Chicago to Tucson, Arizona.  Honestly, I wasn’t that excited to be moving so far away from my family in the Midwest, but we thought the move would only be for two or three years.  The move was a smart choice for my husband’s career (something we still believe), so I tried to make the best out of it. Now, a year later, I’ve found that a cross country move can evoke a wide range of positives and negatives. The Positives Keeping in touch with relatives is easy, thanks to technology.  My mom has made the trip out to Tucson three times in…
  • Frugal Multi-Cultural 4th of July Party Suggestions

    MelissaB
    1 Jul 2015 | 5:22 am
    The 4th of July is just around the corner, and with it, the official launch of summer.  A favorite American pastime, a barbeque 4th of July party offers you the chance to enjoy the weather and the company of friends while enjoying tasty foods.  If you don’t have much money to devote to entertaining, consider moving beyond the traditional favorites of hamburgers and hot dogs and trying some of these unique, cultural party food ideas. Main Meals –Fajitas on the grill.  Buy some lower cost steak, chicken breasts and shrimp.  Season them, grill them, and then mix them together so each…
  • Are You Ready for a BIG Emergency?

    MelissaB
    15 Jun 2015 | 6:40 am
    Are you ready for a big emergency?  Do you have the required 6 to 12 months’ emergency fund? I can hear your groan now.  Who has enough extra money to put aside 6 to 12 months in the bank?  If you have expenses of $3,000 a month, an ample emergency fund of 6 to 12 months would be $18,000 to $36,000.  Definitely not small change. An emergency fund is hard to build, and that may be part of the reason why many people never even try. Original image credit: https://flic.kr/p/7KLtYi But there will be an emergency that will occur sometime in your life.  You will need that money. Financial…
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    Stack The Chips

  • 4 Things To Consider When Applying For Your 1st Credit Card

    Edwin C
    20 Aug 2015 | 6:22 pm
    Check your junk mail at any given time and you’ll surely find a credit card offer or two hidden in among the grocery store coupons. If you have never had a credit card, the offers laid out in these mailings can be a little tough to understand. All sort of different deals and numbers are thrown at you, but what does it all really mean? Generally, the only thing you should really be looking at is the credit limit and the interest rate, as these are the most important. We will get into those in this article, but let’s look at 4 things you should consider before you fill out that…
  • 4 Reasons Why You Should Choose A Credit Union

    Edwin C
    17 Jul 2015 | 12:16 am
    While no one would ever recommend keeping your life savings in shoe boxes under the bed, it’s also tough to recommend any of the major banks. If you take the time to look through your monthly statements, you’ll see that an inordinate amount of your money is taken from you in the shape of fees and penalties. It’s all the more irritating when you read about the massive profit margins that the big banks are pulling in each and every year. This is why community banks and credit unions are rising in popularity all across the country. Let’s look at 5 reasons why you should…
  • 3 Financial Steps Young Adults Must Take

    Edwin C
    25 Apr 2015 | 12:36 am
    You’ve finished school and you’re finally out on your own. Sure, you had a part-time job as a student, but really you were financially supported by your parents (or maybe even student loans for college). To some extent, that requires you to learn money-management. But your financial situation was probably never truly dire. Now, though, things are different. You are solely responsible for all your bills and you seem to have more of them than ever before. Here are some ways to give yourself the best shot at staying above water. 1. Create a budget It’s way too easy to think you’re…
  • 5 Ways You Can Invest Your Tax Refund

    Edwin C
    24 Mar 2015 | 12:11 am
    When you think of investing money, you normally think about the return on your investment. When it comes to investing, you have to remember that higher the risk of the investment, the higher the return. If you’ve received a tax refund this year, you might be wondering where you can invest your money. Here are a few ways you can invest your refund this year. Bonds, Bank CDs & Insurance Investment in Bonds, Life insurance and bank certificates of deposits are the safest ways to invest money. Those are safe investments they often give you a very low return on your investment. They can…
  • 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…
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    MichaelHaltman.com

  • New York’s Finest Economist Chriatian Broda

    MichaelHaltman
    27 Aug 2015 | 10:24 am
    Christian Broda graduated with a Bachelor degree from Universidad de San Andreas. Since then, Christian Broda has taken control of the economic issue by storm. Currently, Broda is the Managing Director of a capital management firm, Duquesne. He has held the position since 2010. As impressive as his title may seem, it is not the only one of such weight in New York. Christian Broda started his impressive career at the Federal Reserve Bank of New York. He worked in the International Research Department for four years until 2004. He then moved to the University of Chicago, where he worked as an…
  • The U.S Economy Debate and Christian Brodas’ Analysis

    MichaelHaltman
    26 Aug 2015 | 2:49 pm
    The big debate amongst the world’s top economists and finance experts seems to be on the state of the U.S economy. The possibility of the dollar losing its highest ranking status: as the International Reserve Currency for trade, worldwide. This doesn’t come as a surprise to some as it’s been long anticipated to happen while others beg to differ and insist that despite the hurdles faced by the U.S economy there hasn’t been much decline in the U.S. dollars’ role and essential features. Needed to sustain it as the world currency, such as the depth of financial market, trade economic…
  • Christian Broda is Optimistic About US Dollar’s Strength

    MichaelHaltman
    25 Aug 2015 | 6:32 pm
    Christian Broda believes in the United States of America and its currency. The professor at the University of Chicago and managing director at Duquesne Capital Management does not put any stock in the nay-sayers who are predicting the collapse of the U.S. dollar and is actually predicting a very different outcome. Mr. Broda believes that current market forces will keep inflation down for in the foreseeable future so the U.S. economy will remain strong and bounce back from the recent recession completely. He details his predictions for the US dollar’s strength in a white paper that he and…
  • Online Advertisement Strategies in Brazil

    MichaelHaltman
    25 Aug 2015 | 11:16 am
    Advertisement continues to be the easiest way to create awareness. Online advertising is cheap and easy to use. It is a platform that can reach many people at the same time. It explains why many people and companies have turned to online advertising. The improvement in technology has enabled many people in society to get access to a phone, and other gadgets that have access to the internet. It is on the internet that it all happens. The rate, at which online advertising has grown in the past few years, is something to make users proud. In South America, companies actively engage potential…
  • Networking: A New Best Friend for your Business

    MichaelHaltman
    25 Aug 2015 | 7:36 am
    When you make the decision to start up a business, the possibility of failure is always greater than the possibility of success. Unfortunately, in today’s world it’s all about WHO you know and not WHAT you know. Having a support group can greatly increase your chances for success, but how do you find one? The answer is simple: Network. The internet is full of groups and organizations built around helping hundreds of different individuals who are facing struggles just like a new business owner might be facing. The article “Finding Support To Build Your Business Faster,…
 
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    The Economic Peephole

  • New York’s Finest Economist Chriatian Broda

    MichaelHaltman
    27 Aug 2015 | 10:24 am
    Christian Broda graduated with a Bachelor degree from Universidad de San Andreas. Since then, Christian Broda has taken control of the economic issue by storm. Currently, Broda is the Managing... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • The U.S Economy Debate and Christian Brodas’ Analysis

    MichaelHaltman
    26 Aug 2015 | 2:49 pm
    The big debate amongst the world’s top economists and finance experts seems to be on the state of the U.S economy. The possibility of the dollar losing its highest ranking status: as the... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Christian Broda is Optimistic About US Dollar’s Strength

    MichaelHaltman
    25 Aug 2015 | 6:32 pm
    Christian Broda believes in the United States of America and its currency. The professor at the University of Chicago and managing director at Duquesne Capital Management does not put any stock in... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Online Advertisement Strategies in Brazil

    MichaelHaltman
    25 Aug 2015 | 11:16 am
    Advertisement continues to be the easiest way to create awareness. Online advertising is cheap and easy to use. It is a platform that can reach many people at the same time. It explains why many... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Networking: A New Best Friend for your Business

    MichaelHaltman
    25 Aug 2015 | 7:36 am
    When you make the decision to start up a business, the possibility of failure is always greater than the possibility of success. Unfortunately, in today’s world it’s all about WHO you... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Compare Australian Credit Cards and Offers

  • Is your rewards credit card worth it?

    Sally McMullen
    27 Aug 2015 | 6:06 pm
    Learn how to compare rewards credit cards and choose the best one for you. Get bonus flights, frequent flyer points and retail rewards for your regular spending. The post Is your rewards credit card worth it? appeared first on Compare Australian Credit Cards and Offers.
  • Banks blasted for “unconscionable” credit card lending at Senate enquiry

    Sally McMullen
    27 Aug 2015 | 5:40 pm
    Excessive rates for some credit cards have come under attack. The post Banks blasted for “unconscionable” credit card lending at Senate enquiry appeared first on Compare Australian Credit Cards and Offers.
  • How to manage your debt and improve your credit file

    Sally McMullen
    26 Aug 2015 | 6:51 pm
    Recent research shows that Aussie credit cardholders are struggling to keep their debt under control. Use our guide to discover how you can manage your finances and improve your credit history. Are you struggling with credit card debt? Data from MoneyHelp, a free financial advice service,suggests that you’re not alone. However, not all hope is […] The post How to manage your debt and improve your credit file appeared first on Compare Australian Credit Cards and Offers.
  • How to save on your next car purchase: Balance Transfer vs. Car Dealership Financing

    Sally McMullen
    26 Aug 2015 | 5:11 pm
    While both balance transfers and car dealership finance programs pose benefits and limitations to repaying your car purchase, the best option will largely depend on your individual financial needs. Although you can take advantage of both of these options at the EOFY when car prices are reduced, the tips and considerations discussed above can be useful to you all year round.v The post How to save on your next car purchase: Balance Transfer vs. Car Dealership Financing appeared first on Compare Australian Credit Cards and Offers.
  • Is your rewards card rewarding you?

    Jonathan
    26 Aug 2015 | 1:33 am
    Is your rewards credit card really rewarding you? Compare your options and discover how to get maximum value from your rewards card. While the purpose of rewards credit cards is to reward cardholders for their spending (duh), recent creditcardfinder.com.au data has revealed that rewards cards don’t always offer bang for their buck. Unsure if your […] The post Is your rewards card rewarding you? appeared first on Compare Australian Credit Cards and Offers.
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    Money Spruce

  • Are you Prepared for Rising Health Care Costs in Retirement?

    Justin Weinger
    29 Aug 2015 | 2:00 am
    A new report released recently from Ameriprise showed that over 50% of baby boomers are seriously concerned about their health care costs, and the affordability of said costs, during retirement. Unfortunately, the same report also shows that only 1 in 5 people who are nearing retirement have actually taken any steps financially to prepare for rising health costs once they reach their “golden years”. The report did however say that, even though many baby boomers are not making any moves to prepare for these increased retirement health care costs, they are doing something positive; taking…
  • What to do With Your Extra Cash!

    Justin Weinger
    22 Aug 2015 | 1:00 am
    The stock market is quite volatile right and many investors are a little bit panicky. One of the reasons is that the VIX,  the system used to measure volatility in the S&P 500, double in the last month. The fact is, when financial markets are in any kind of turmoil, it’s usually a good idea to do nothing.  If you’re sitting on a lot of cash however, money that hasn’t been earmarked for any type of expense or that wouldn’t be better spent paying off any high interest debt that you might have, there are a few things you can do to make sure you get the most out of it. Of course, as…
  • The Best Ways to Stretch your Retirement Savings

    Justin Weinger
    15 Aug 2015 | 9:03 am
    It’s really not all that difficult to start saving for retirement, even though many American consumers don’t. Simply take part of your weekly paycheck and put it into either a retirement plan like a 410(k) sponsored by your employer or, conversely, set up your own IRA. As consumers get older however, they start looking at their retirement savings and wondering what measures they can take to increase their “nest egg” as much as possible so that will last as long as possible during retirement. Below are a number of ways to do just that, and stretch those retirement savings as far as…
  • Downsizing for Retirement? What’s best, Renting or Buying?

    Justin Weinger
    2 Aug 2015 | 2:00 am
    So, all of your children have (hopefully) left the nest and your 5-bedroom, 4-bathroom home just isn’t necessary anymore. Besides that, it’s a huge drain on your retirement accounts, so downsizing is definitely and excellent idea. Now the only question is whether to buy another home or rent either a home or an apartment. It’s not easy or quick decision, by any means. You have to estimate the cash flows needs you’re going to have in retirement, compare the relative cost of home ownership to renting and keep in mind that home maintenance and property taxes, as well as…
  • Top 5 Tips to Easily Cut Down on Daily Expenses

    Justin Weinger
    26 Jul 2015 | 3:00 am
    Most consumers today are consumed with cutting down on expenses (probably due to their also being consumed by enormous debt).  The fact is however that most of us are wasting money every single day on things that we absolutely don’t need and, because we don’t think about them, we keep wasting more. Today’s blog will give you 5 excellent tips to quickly cut daily expenses starting today. Enjoy. Tip 1: Bring lunch from home. If there was a way that you could save $50,000 over the typical 40 year career, would you do it? By bringing your own lunch from home you could save $25…
 
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    Good Financial Cents

  • 9 Lessons I Will Teach My Kids to Become a Millionaire (like their dad)

    Jeff Rose
    26 Aug 2015 | 9:02 am
    Every good parent wants the best for their kids. I’m certainly no exception. I have three boys. Between them running around and playing with each other, I try to teach them some lessons. Why? Because I want to ensure I give my kids every chance possible at following in my footsteps to become millionaires. I’m not one of those parents who will demand that their children attend an Ivy League college or start a business because I think it’s the best thing for them to do. Instead, I’m going to try and model some best practices and habits that will hopefully influence…
  • The 7 Rules on How to Become (and stay) a Successful Financial Advisor

    Jeff Rose
    17 Aug 2015 | 3:31 am
    Curious on the tools I use to run (and grow) my financial planning practice? You can get free access to the free report here. How do you define success? Success can come from many aspects: life, career, family. Often I get asked how I became a financial advisor and what has led to my success. When someone views me as successful, I’m always flattered.  While I do consider myself successful, I’m also very humble. By industry standards, I’m just a pea. I’m not a rainmaker, not a million dollar producer, not one of Forbes Top 100 financial advisors. I don’t have…
  • 6 Qualities of the Ultimate Financial Battle Buddy

    Jeff Rose
    10 Aug 2015 | 5:24 am
    When I first arrived at basic training I was assigned a battle buddy. Every soldier was. A “battle buddy” was an individual that we had to know everything about. We had to know where they came from, where they were born, if they had any siblings, what their favorite food was, how they lost their virginity, and if they liked tacos with or without onions. They expected that we know all this and we would constantly be quizzed by the drill sergeant insuring that we took the time to get to know our battle buddy. The battle buddy was also responsible for making sure that we…
  • 20 Financial Rules for Your 20s

    Jeff Rose
    6 Aug 2015 | 4:19 am
    In my early 20s, I made a ton of financial mistakes. From maxing out credit cards, taking unnecessary student loans, to delaying my savings, I got off to a rocky start. I sometimes wonder how I even have anything to my name. Now into my 30’s, what I wouldn’t give to go back to my 20 year-old self and try to talk to sense into him. But since I know myself rather well, I’m pretty sure I wouldn’t have listened.  Ha! You don’t have to get off to a rocky start, though. When you’re in your twenties you’re really forging for your future. Things take shape later…
  • Radius Bank’s New Hybrid Checking Account Offers Nice Perks

    Jeff Rose
    5 Aug 2015 | 2:32 am
    Do you find yourself transferring money back and forth between your low-interest brick-and-mortar checking account and your high-interest online savings account? It’s understandable. After all, who doesn’t want to earn the most on their money and still have access to all that online checking accounts have to offer? But here’s the thing: transferring money is a pain. I much rather be spending time with family than worrying about my account balances or the interest I’m earning. I’m sure you’re in the same boat. What if you didn’t have to transfer…
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    One Family's Blog

  • Tracking Ken Fisher's Fisher Asset Management Portfolio - Q2 2015 Update

    ks
    29 Aug 2015 | 6:36 pm
    Below is a spreadsheet that highlights Ken Fisher's Fisher Asset Management Portfolio moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy.  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Kahn Brothers Group Portfolio - Q2 2015 Update

    ks
    29 Aug 2015 | 6:30 pm
    Below is a spreadsheet that highlights Irving Kahn's Kahn Brothers Group 13F US long portfolio moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  Irving Kahn was a disciple of Benjamin Graham and is the author of "Benjamin Graham The Father of Financial Analysis". He was one of the closest followers of the original teachings of Benjamin Graham [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Donald Yacktman's Yacktman Asset Management Portfolio - Q2 2015 Update

    ks
    29 Aug 2015 | 6:27 pm
    Below is a spreadsheet that highlights Donald Yacktman's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To know more about Yacktman's bottom-up value investing philosophy, check-out the book "Value Investing: From Graham to Buffett and Beyond". To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Dan Loeb's Third Point Portfolio - Q2 2015 Update

    ks
    29 Aug 2015 | 6:22 pm
    Below is a spreadsheet that highlights the changes to Dan Loeb's Third Point Portfolio this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To know more about Dan Loeb's Third Point, check-out his letters to shareholders at their site. His activist investing style that is epitomized by scathing letters to CEOs is covered in "Chapter 7: The Poison [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Tweedy Browne Portfolio - Q2 2015 Update

    ks
    29 Aug 2015 | 6:18 pm
    Below is a spreadsheet that highlights the changes to Tweedy Browne's portfolio this quarter.  Please check-out our SeekingAlpha column for an analysis of the moves: To learn more about Tweedy Browne and its legendary investor Christopher H. Browne's (1946-2009) investing philosophy, check-out his book "The Little Book of Value Investing". To learn more about how to profit from a [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Winship Wealth Partners: San Francisco Financial Advisor

  • Sesame Street Meets Wall Street

    admin01
    4 Aug 2015 | 7:36 pm
    What’s the word of the day? Craig Slayen a Principal at San Francisco wealth management firm, Winship Wealth Partners reviews the “Illusions of Wall Street”. Does stock picking work? See this investment advisor’s simple explanation of a topic the financial press and the mutual fund industry do not want you to know about.
  • Philanthropy 101: What to do with your Yankees tickets behind the dugout.

    admin01
    29 Jul 2015 | 7:36 pm
    I was recently at lunch with a friend when he received a text from another one of his buddies. His friend was at a day game at Yankee Stadium and texted my friend a picture from the left field seats. It was a beautiful day for a baseball game and my friend’s buddy appeared to have excellent seats. As you can see in the picture, it looks like they’re only about 10 or so rows from the field. After glancing at the picture, though, something else caught my attention. Look closely at the picture. Look past the fans in the left field seats and past the players on the field. What catches your…
  • Even Harvard economists make investing mistakes!

    admin01
    22 Jul 2015 | 3:07 pm
    Earlier this week, the New York Times featured a great piece from Harvard economist Sendhil Mullainathan. The piece was called “Why Investing is So Complicated, and How to Make it Simpler.” In it, Mr. Mullainathan discusses his own feelings and anxiety surrounding his investments and his retirement planning. Mr. Mullainathan discusses a number of feelings that I commonly see in investors. He feels guilty for procrastinating and feels anxious because he doesn’t understand the jargon. He wonders why it all has to be so complicated. He then touches on a number of potential solutions for…
  • Lessons Learned From Big Disasters: Chaos Is Temporary

    admin01
    14 Jul 2015 | 11:16 pm
    Last week was quite a week, wasn’t it? The drama that played out in Athens left Europe – and much of the world – on edge. Until it signed a deal with its creditors, Greece may have been forced to default on its debt, which ultimately could have led to its exit from the European Union. What that would mean for the rest of the EU is anyone’s guess. Perhaps more disturbing were the reports from inside Greece. The government was reportedly out of cash, which would have meant disaster for a population that largely lives off of government employment or pensions. Imports to the tiny…
  • Why Looking At Your iPhone Can Cost You Thousands

    Craig Slayen
    22 Oct 2014 | 12:12 am
    For better or for worse, smartphones are here to stay. They provide convenience and ease that was unthinkable 20 years ago. Not only are we able to call or send a text message to anyone in the country with the touch of a few buttons, the explosion of mobile internet has put the world wide web in our very hands. This sounds like a good thing, but can be potentially disastrous to your investments. If you find yourself standing in line at the local Starbucks, you will invariably see people whipping out their iPhones to pass the time. We don’t want to miss the latest email or Facebook post. We…
 
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    Cash The Checks

  • 7 Surprises In Life That Require An Emergency Fund

    Edwin C.
    28 Aug 2015 | 9:42 pm
    What it’s a car repair, an illness or a sudden and unexpected bout of unemployment, sometimes life can catch you off guard and leave you in dire financial straits. When the unexpected happens, it’s time to dip into your emergency fund to cover life’s ups and downs. While it would be nice for an emergency fund to have at least 3 months of your living expenses, the reality is that most of us can’t save that much. Whatever you can save is better than nothing, so even if you can’t sock away a lot of cash, every little bit helps. Read on for some surprises that may inspire you to finally…
  • The 6 Steps To Buying Your First Home

    Edwin C.
    20 Aug 2015 | 10:47 pm
    If you’re ready to settle down and buy a home, you may be so excited by house-hunting to think clearly about the entire process. Instead of being overwhelmed and confused, use this guide to walk through the 6 steps of buying a home. 1. Check Your Credit Score Your pre-approval for a mortgage as well as your interest rate are tied to your credit score. Before you buy your home, you’ll want to obtain copies of the three credit reports and go through them to look for any wrong information. Correct any mistakes you find and then apply for a loan for the best odds of getting the loan and a…
  • How To Profit From Your Spring Cleaning

    Edwin C.
    7 Aug 2015 | 6:38 pm
    As the winter frost starts to thaw and you see the first hint of fresh flowers poking their way up from the frozen ground, many of us start planning to give our homes a good scrub. Spring cleaning is a way to provide a fresh start, getting rid of waste and unwanted clutter. Rather than throw this clutter away, why not think about recycling and even making a profit out of your used household items. The following are a few tips that will help you separate the trash from the treasure and turn a profit this spring. Sell Old Electronics Your first thought may be to take your old electronic devices…
  • 4 Ways To Pay Off Your Car Loan Early

    Edwin C.
    17 Jul 2015 | 12:23 am
    The typical car loan lasts for 5 years, which isn’t a long time in the grand scheme of things, but paying that loan off early can save you significant money in interest payments and it can bolster your trade-in value if you plan on getting rid of the vehicle before the loan is up. Whatever your reasons are for wanting to get rid of your car payment early, check out these 4 ways that you can pay the load down faster to knock one more debt off your list. Round Up Your Payment Round the payment up to the nearest 50 or 100 dollars. Rounding your car loan up rather than paying the exact…
  • 8 Credit Card Perks You Didn’t Know You Had

    Edwin C.
    13 Jun 2015 | 10:03 pm
    Credit cards were often times seen as a scapegoat for the reason our economy was faltering. They really got a bad rap. Irresponsible people would charge too much on their card without having the means to pay them off. Then eventually, when they could no longer get more credit or had too many debt collectors on their backs, they fell back on bankruptcy as an option to erase their debts. A lot of people are too focused on the negative aspects of owning a credit card. But there are others who are ignoring the bad press and are taking advantage of the countless perks that come with being a credit…
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    Credit.com

  • 12 Ways to Slice Your Next Restaurant Bill

    Karla Bowsher
    29 Aug 2015 | 9:01 pm
    Earlier this year, Americans started spending more money eating out than they spend on groceries. It was the first time that has happened since the U.S. Department of Commerce started collecting such data. By this summer, the price of a restaurant meal had jumped 3% compared with one year prior. But rising restaurant costs don’t mean you have to give up the occasional meal out. These tips can help you cut the cost of eating out by more than half. 1. Buy a Discount Gift Certificate You might not hear about them as much because their novelty has worn off, but websites like Restaurants.com…
  • How to Make Sure Your Dream Home Is a Good Investment Too

    AJ Smith
    29 Aug 2015 | 9:01 pm
    You’ve probably heard real estate can be safer than the stock market, while still yielding decent returns. This can be true, but adding real estate to your portfolio is very different from investing in stocks, bonds and certificates of deposit. Finding success in the housing market often requires being able to find good deals and ripe opportunities. Check out some tips below to help you launch your housing market investment career. 1. Assess Your Goals It’s important to check your credit and have your finances in order before you get into the housing market. (You can get a free credit…
  • 5 Ways to Find Deals at the Farmers Market

    AJ Smith
    29 Aug 2015 | 9:01 pm
    Do you like fresh food? Of course. Do you want to get outside and meet some local people when the weather’s nice? I know I do. From May through November, farmers markets pop up in cities and towns across America. Farmers and artisans gather to sell everything they have to offer to eager members of the community. Food costs are one of the most common budget breakers, and farmers markets can help you get fresh, local produce at low prices to help you stretch your grocery budget. If you find yourself attending one sometime soon, be sure you get the most out of your experience by following…
  • Here’s How to Buy a House Without a 20% Down Payment

    Scott Sheldon
    28 Aug 2015 | 9:01 pm
    If you’re thinking about buying a home, you may need less money than you think. Here’s how to figure out the amount of cash you need to buy a home, and what you can do to buy a home using as little money down as possible. Contrary to popular belief, you don’t need 20% down. The minimum down payment you need to buy a home is 3.5% down with an FHA loan on a 30-year fixed-rate mortgage. This 3.5% down payment is a factor of the home price on a loan size up to the high-balance FHA county loan limit – which in most places is $417,000. However, it can be higher depending on the…
  • 7 Obvious Money-Saving Tips People Often Forget

    Kentin Waits
    28 Aug 2015 | 9:01 pm
    It seems everyone is exploring new and novel ways to save money. But sometimes in our quest for fresh ideas, we forget the basics that served us so well in the past. When that happens, take a step back and brush up on those neglected, tried-and-true methods. Here are seven classic money-saving tips worth another look: 1. Buy Used Let someone else take depreciation on the chin. Buying used cars, secondhand appliances in good working order, and gently used clothes and books is one of the best money-saving moves around. Don’t wait until you need an item to buy it; instead plan ahead. Think…
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    StepChange MoneyAware

  • When good money-saving recipes go bad

    Rachel
    21 Aug 2015 | 4:15 am
    The MoneyAware team read tons of thrifty and delicious recipes every day, and we try to practice what we preach, and cook them. So when James recently had the bright idea that we attempt to make something yummy from some cheap cuts of meat, I jumped at the opportunity. I wish I hadn’t. When I was assigned with cooking beef shin I really didn’t know what to expect. I should’ve known I was in trouble when I told the butcher I intended on roasting the beef shin rather than stew it. Why? Because he pulled this face at me Recognise it? You should. That’s the face you pull when…
  • People of StepChange: Getting debt advice

    James
    20 Aug 2015 | 7:44 am
    Every Friday on our social media channels we like to feature one our colleagues in our ‘People of StepChange’ photo project. Have you spoken with one of them in the past? We’ve got lots of lovely people working here at StepChange Debt Charity and we thought it would be good to highlight the work they do – hence ‘People of StepChange’, launched in the spring. This month we’ve shared photos of colleagues who help people when they first come to us for advice. These are the people on the front line, of one sort or another. Bex in our debt helpline…
  • Thrifty eats – we put cheap cuts of meat to the test!

    James
    20 Aug 2015 | 7:33 am
    We love saving money, especially if it means not having to compromise on quality. And meat is one of those areas where quality really matters. Are “cheap” cuts of meat always all that cheap? Can they be as tasty as more expensive cuts of meat? Are they a nightmare to cook with? Are the MoneyAware team all terrible cooks? We’ve experimented with cooking with four different types of cheap cuts of meat to see if they’re good value and tasty (plus one vegetarian option, to show you don’t always need to eat meat!). Chicken thighs – Rory Chicken thighs are perfect for BBQs, or…
  • How to be a thrifty and fabulous wedding guest

    Rachel
    19 Aug 2015 | 6:49 am
    Weddings can mean stress, high expectations, and – if you’re not careful – spiraling expense. No, we’re not talking about the bride and groom; we’re talking about you, the wedding guest! After hunting down the perfect outfit and arranging travel to some far flung location for the ceremony, you then have to worry about accommodation. Presents for the happy couple don’t exactly come cheap, and don’t even get me started on the hen or stag do! As with all great attack strategies, we need to look at the wedding day from all angles so your wallet doesn’t leave you feeling…
  • Know your rights: August’s debt news

    Laura
    19 Aug 2015 | 6:28 am
    It’s August and the kids are off school, the adults are enjoying the sunshine and everyone’s feeling more relaxed. It’s usually a notoriously slow news month, but things haven’t quietened down in the world of debt. We’ve got an unexpectedly bumper debt news article for you, from payday lenders offering compensation and another potential PPI-related scandal, to Npower writing off some of its customers’ debts. And here I was thinking August would be a quiet one! Potential new PPI claims worth £33billion You’ve probably heard of payment protection insurance (PPI) mis-selling, as…
 
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    Help Me To Save

  • Review of Acer Aspire CB5-311 Chromebook

    Karen Bryan
    26 Aug 2015 | 11:49 pm
    It was bad news when the keyboard on my Samsung NC10+ netbook went wonky, during a press trip in France for my travel blog. Some of the letters and the backspace stopped working. I tried all sorts of things, but ended up having to use the on-screen keyboard. This happened the day before I was […] The post Review of Acer Aspire CB5-311 Chromebook appeared first on Help Me To Save.
  • Telecoms Companies Should Be Banned From Increasing Prices During Contract

    Karen Bryan
    23 Aug 2015 | 11:16 pm
    I was angry to receive an email from BT entitled “Important Changes to Your BT Services”. I was expecting this, as I’d read that there was a price hike in the offing. In my opinion, the phrase “prices are increasing” should have been in the title versus the less attention grabbing “changes to your services”. […] The post Telecoms Companies Should Be Banned From Increasing Prices During Contract appeared first on Help Me To Save.
  • £3 Tickets for the Globe Theatre in London

    Karen Bryan
    23 Aug 2015 | 11:00 pm
    A couple of weeks before I visit London, I usually have a rake around to see if I can find any cheap theatre tickets. In my experience, lastminute.com offer the best deals, but I also check on the theatre’s own website before booking. I’m a bit more confident booking the lowest price London theatre tickets which […] The post £3 Tickets for the Globe Theatre in London appeared first on Help Me To Save.
  • My Money Podcast #122

    Karen Bryan
    20 Aug 2015 | 11:39 pm
    The My Money Podcast #122 is a savings special, featuring the recent Help Me To Save articles listed below. Subscribe to the My Money Podcast from Help Me To Save in itunes Higher Rates of Interest Paid on Standard Fixed Rate Accounts that Cash ISAs – My research illustrated that you can currently earn around […] The post My Money Podcast #122 appeared first on Help Me To Save.
  • How to Improve the Return on Your Savings

    Karen Bryan
    18 Aug 2015 | 10:35 pm
    Interest rates on UK savings accounts have been pretty dismal of late; however, despite receiving little help from the banks average Brits have done a fantastic job saving money in recent years. These tips from SurveyCompare  will help ensure that you are getting the maximum return on your hard-earned savings. Shop Around Don’t commit to any […] The post How to Improve the Return on Your Savings appeared first on Help Me To Save.
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    NerdWallet Credit Card Blog

  • TradeKing Acquires MB Trading Platform

    Arielle O'Shea
    28 Aug 2015 | 10:52 am
    TradeKing, a popular discount brokerage, announced this week that it has entered into an agreement to purchase MB Trading in a deal that is set to be finalized within 60 days.   It’s the latest in a list of power moves by TradeKing, which last year launched a robo-advisory service, TradeKing Advisors, and a new web-based trading platform, TradeKing Live. The acquisition of MB Trading and all of its assets — including a professional-grade trading platform — will give TradeKing customers access to advanced trading features, such as expanded charting capabilities with over 100 indicators…
  • Introducing Our New Life Insurance Tool

    NerdWallet
    28 Aug 2015 | 10:20 am
    Life insurance is one of those topics many people don’t want to think or talk about. Who wants to plan for their death or the death of a loved one? The reality is, if someone depends on your income, having the right amount of life insurance is critical. In our recent study, we found that of the people surveyed who already have life insurance, nearly half say they would not be financially prepared if they lost their spouse. That disconnect is one of the reasons we launched a new, free life insurance tool that helps you figure out exactly how much coverage you need. Then, through our…
  • 3 Insurance Policies Too Many People Are Missing

    Advisor Voices
    28 Aug 2015 | 10:14 am
    By Rachel Podnos, JDs Learn more about Rachel on NerdWallet’s Ask an Advisor Insurance planning should be a major consideration in anyone’s financial plan. Unfortunately, a lack of clear information and predatory sales practices by some agents have made many people wary of buying insurance at all — which could leave them without protection they need. Although not everyone needs every type of insurance, it’s a good idea to examine the options to make sure you’re adequately covered. Here are three types of insurance policies that tend to be underused and frequently…
  • The Dos and Don’ts of Finding a Mentor in Your First Job

    Brianna McGurran
    28 Aug 2015 | 9:53 am
    When you start your first job, you’ll have plenty of questions about the real world that college might not have prepared you for. Should you dress up every day, even if your co-workers wear jeans? What email signature should you use? How do you stand out from your colleagues when you’re trying to keep up with all your new responsibilities? Luckily, you don’t have to figure it all out on your own. A mentor — or two or three — can help you navigate office life, learn how to move up in your industry and weigh future job offers. But there are right ways and wrong ways to identify and…
  • Diversification vs. Greed: The Investor’s Dilemma

    Advisor Voices
    28 Aug 2015 | 9:25 am
    By Jonathan K. DeYoe Learn more about Jonathan on NerdWallet’s Ask an Advisor Diversification, in the words of my favorite financial advice guru, Nick Murray, is a deal made with heaven. You agree to never make a killing — to give up the opportunity for maximum upside returns — for the blessing of never getting killed. It’s the ultimate trade-off. And it has a cost. The cost is the “never make a killing” part. This week, perhaps for the first time in almost four years, we can once again appreciate the benefit of not getting killed when markets decline viciously. But as…
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    Card Hub

  • 2015 Secured Credit Cards Report

    Alina Comoreanu
    27 Aug 2015 | 5:00 am
    Roughly one out of every three people has a below-average credit score. Not only do one’s monthly expenses rise as their credit score falls, but access to credit declines dramatically as well. This represents something of a Catch-22 for newcomers and those working to rebuild their standing, since a monthly influx of positive information from a responsibly managed loan or line of credit is the only way to either build a solid score from scratch or devalue negative credit report listings. That’s why a secured card can be such an important tool. No matter how slim approval rates get for…
  • CardHub Editor’s Review: Chase Slate Credit Card

    John Kiernan
    12 Aug 2015 | 4:59 am
    The Verdict:  We can (and will) go into great detail about this flagship Chase credit card, but all you really need to know is that Slate offers historic money-saving potential to those struggling with credit card debt. That’s why we call it the King of Balance Transfers! More specifically, the Chase Slate Card leads the pack of 0% balance transfer credit card offers that emerged from the ruinous overleveraging of the Great Recession. In fact, the card is so good that we initially assumed it would be too unprofitable to have much staying power. But Slate has nevertheless remained royalty,…
  • Invoice & Receivables Financing: Overview, Tips & More

    John Kiernan
    6 Aug 2015 | 1:32 pm
    Invoice, purchase order and accounts receivable factoring, or financing, are all pretty much the same thing. They’re short-term liquidity solutions that involve selling rights to expected future income – whether it’s a vendor payment or reimbursement from a credit card company – in return for a lesser amount of up-front capital to be paid out immediately. This, in turn, enables the seller to fund operations – perhaps needed to fulfill the vendor’s order to pay credit card interchange fees – without having to suffer a potentially debilitating wait for liquidity.  The buyer, on…
  • 2015 Credit Card Application Study

    Alina Comoreanu
    5 Aug 2015 | 5:00 am
    How easy is it to find the right credit card online? While comparison tools and customer reviews simplify the selection process in many respects, marketing obfuscation and inconsistency on the part of issuers makes it difficult for consumers to accurately discern each offer’s net value proposition, and thus which card will best suit their needs. In order to gauge the extent of the problem, and highlight specific areas of concern for consumers, we evaluated online credit card listings from the websites of 10 large national banks as well as 10 of the most popular credit unions. We then scored…
  • Pet Financing: Compare Veterinary Loans & Payment Plans

    John Kiernan
    28 Jul 2015 | 6:13 am
    Pets can be quite expensive. For example, between food, vet bills and other miscellaneous expenses, most dog owners will spend somewhere in the neighborhood of $4,000 – $35,000 over the course of their pet’s expected lifespan – 6 to 14 years, depending on the breed – according to estimates from the American Kennel Club and the American Society for the Prevention of Cruelty to Animals. Cat owners don’t have it much better, facing expected annual costs of around $670, which would equate to roughly $10,050 over a feline’s 15-year average lifespan. It’s therefore no surprise that…
 
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    CreditDonkey

  • Frontpoint Security Reviews: Is Frontpoint Any Good?

    29 Aug 2015 | 12:00 am
    Installing a home security system is a good way to deter would-be burglars — but with so many to choose from, finding the right one can be a challenge.Frontpoint is one of the top providers of home security systems It offers easy do-it-yourself installation and 3 service levels. But does it make sense for your budget? We give you the full rundown of what you need to know about Frontpoint. Read on to decide whether it's right for you. 10 REASONS WHY FRONTPOINT IS WORTH IT Here's a brief list of what makes Frontpoint a standout in the home security field. Customization and control: Frontpoint…
  • Homeless Statistics: 23 Facts to Know Before You Sleep Tonight

    27 Aug 2015 | 12:00 am
    Learn how many people are homeless in the U.S. and abroad. Read on for the eye-opening statistics and facts — including the number of seniors, veterans and kids without a warm bed to sleep in tonight. 23 ALARMING STATISTICS ON HOMELESSNESS There are many different paths that can lead to homelessness — a lifetime of mismanaged finances, some serious bad luck, or a mix of bad circumstances. Once someone is homeless, they face an uphill battle to get back on solid ground. For those of us who have never been homeless, it can be difficult to grasp how serious the issue is. Check out these…
  • 23 Times You Should Spend More to Save Money

    24 Aug 2015 | 12:00 am
    Is your frugality costing you a fortune? Here is a list of 23 ways that spending a bit more money can actually save you a lot of money. The concept of spending money to save money may seem a little backwards, but there are some situations where it can really pay off. Read on for specific ways to make investments that will save you money over time. AROUND THE HOUSE For most people, housing expenses account for the biggest part of their budget. While you can't directly control things like your property taxes or insurance, there are other ways to make owning a home more affordable, especially…
  • Outsourcing Statistics: 23 Facts and Trends

    20 Aug 2015 | 12:00 am
    Is outsourcing a trend or fad? Read on for the current facts and figures on job outsourcing. To stay competitive in the business world, corporations increasingly rely on outsourcing to make their operations more affordable. In the U.S., outsourcing is a hot topic; whether it helps or harms the economy is the subject of frequent debate among economic experts. In the last two decades, outsourcing has been steadily picking up steam as companies of all sizes jump on the bandwagon. CreditDonkey conducted a brief study on the state of outsourcing in the U.S., and what we found might surprise you.
  • Review: Is Chase Ink a Good Business Credit Card 2015?

    13 Aug 2015 | 12:00 am
    Before you apply for one of the Chase Ink cards, read this expert review for the 10 reasons you’d want to get an Ink business credit card and a few reasons to avoid it.Are the Ink Cash and Ink Plus worthwhile? The answer may surprise you. CHASE'S INK CASH AND INK PLUS: THE BETTER BUSINESS CREDIT CARD? Any business – large or small – can benefit from opening a credit card account, for convenient spending and for managing employees’ expenses. But there’s more than just convenience at work here. Both the Chase Ink Cash and Ink Plus cards offer: Rewards: Earn 1% cash back or 1x point…
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    The Penny Hoarder

  • 4 Ways My Freezer Helps Me Save $65 a Month on Groceries

    Abigail Murrish
    30 Aug 2015 | 3:00 am
    Want to save more? Click here and we’ll help you make over your grocery budget! When I think about budget cooking, too often images of beans and rice fill my mind. While I love well-prepared rice and beans, I’ve found another easy way to help save money in the kitchen: preserving meals and foods in my freezer. This technique doesn’t rely on pinching pennies, a particular set of skills or exclusively buying marked-down bread and produce (both of which I do!). Instead, I use my freezer to make the most of my grocery budget and meal preparation time, saving me at least $65 per…
  • Eat StarKist Tuna? Get $25 Cash or $50 Worth of Tuna From a Class-Action Settlement

    Nicole Dieker
    29 Aug 2015 | 9:20 am
    A lot of us rely on tuna as an inexpensive sandwich or salad staple. However, one savvy consumer noticed that StarKist might be shorting its customers, and now tuna fans have the opportunity to get $25 in cash — or $50 in vouchers to buy more tuna. A few years ago, a man discovered that StarKist was underfilling its tuna cans “by a few tenths of an ounce,” reports Consumerist. a A class-action lawsuit followed, and now Hendricks v. StarKist Co has been resolved to the benefit of tuna lovers everywhere. Here’s how the settlement went down: StarKist did not admit fault, and the…
  • Yoga on a Budget: 10 Creative Ways to Enjoy Free or Low-Cost Classes

    Terri Carr
    29 Aug 2015 | 3:01 am
    I took my first yoga class in the early 1980s. The instructor was a woman in her 60s who taught in exchange for donations. At the start of class, people would throw $3 to $5 in a bowl near the entrance. No one tracked how much each person donated, and no one was turned away for lack of cash. Today yoga studios operate under a vastly different model, with drop-in rates between $10 and $20 per class and monthly fees between $100 and $150. Compared to the average gym membership of $58 per month, and especially to a basic $10 membership to Planet Fitness, yoga is pretty pricy. I’ve been…
  • Want to Work From Home? These 25 Companies Have the Most Remote Positions

    Money Talks News
    28 Aug 2015 | 10:00 am
    More workers want work-from-home jobs, and more companies are offering a wide variety of remote work to attract them. Maybe there’s a job for you. Could you: Analyze payment data for a major health care organization? Help a computer-maker develop products for its customers who offer health insurance plans? Recruit sales talent for a medical device-maker? These telecommuting jobs are just a few examples posted recently by companies identified as the top 25 employers with the most available remote positions. Flexjobs, a subscription-based online service specializing in remote and flexible job…
  • College Students: Sick of Feeling Broke? Follow These 8 Financial Rules

    MaryBeth Matzek
    28 Aug 2015 | 3:00 am
    Heading off to college this fall? If you’re like many young adults, this is the first time you’ll have so much control over your spending decisions. But if you’re not careful, you could make mistakes that could haunt you for years to come — like racking up credit card debt. Don’t be surprised if you’re among the many young adults who struggle to leave the nest and manage financially on their own. Without your parents there to pick up costs for things like food or laundry, you might be uncertain about how to spend what you have and what to do when it looks like you’re running…
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    LearnFinancialEducation.com

  • 3 Shocking Reasons Why You Should Not Get a Life Insurance

    Gily Tenorio
    14 Aug 2015 | 9:59 pm
    Do you really need a life insurance? Many people are in the dilemma of why to get a life insurance because they don’t know the importance of this kind of financial product.   I admit that I only lately realized the importance of having a life insurance. I’m blogging personal finance for quite sometime (5 years now) but only in 2013 I started to invest in a VUL. There are lots of excuses and procrastinations before I bought my first insurance in SunLife. Now, I am fully convinced that it is essential for every head of the family and breadwinners like me.   If however, you…
  • How to Get OEC by Online Application

    Gily Tenorio
    25 Jul 2015 | 4:59 pm
    I want to update all OFWs out there that you can apply for your OEC through online application so you don’t need to go to POEA or its branch saving you lot of time and effort. I have done this twice now so you will know that it works and legitimate. It was also published by POEA in several newspapers few months  ago but maybe some people still don’t know about it. If you’re an OFW and returning to Philippines for vacation, you should apply for overseas exit clearance (OEC) as early as possible when you arrived the country. It is very important that you get this document…
  • Attend Free Personal Finance Seminar by IMG Wealth Academy

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

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

    Gily Tenorio
    12 Apr 2015 | 1:25 am
    Yes you read it right, this blog will be celebrating 5th birthday this coming April 22, 2015. I thought I will never come this far from writing and blogging. Here’s my first ever article that I published in this site back  5 years ago: 10 Simple Tips to Control Your Expenses  to reminisce the past. You will notice it is a short post and straight to the point. You know when I’m still a student I’m not that good in writing and communicating in English. It’s my Waterloo and and I’m always afraid to talk to anybody in English language. Perhaps this blog is a way…
 
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    Bankruptcy and Student Loan Lawyers - 866.787.8078

  • Why This Successful Business Owner Filed For Bankruptcy

    Jay Fleischman
    26 Aug 2015 | 6:37 am
    For some people, filing for bankruptcy comes only when the money is gone and they’ve got no ability to repay their debts. But for one entrepreneur and his wife, filing  their Chapter 11 bankruptcy petition was a way to keep things going and ensure that everyone got paid. Craig Walker and his wife, Susan, filed for Chapter 11 bankruptcy in Colorado, estimating their assets at between $100 million and $500 million and liabilities at between $10 million and $50 million. The Walkers are officers, directors, shareholders or members of several companies, including Integrated Cable Systems…
  • California Woman Wipes Out School Debt in Bankruptcy

    Jay Fleischman
    24 Aug 2015 | 6:45 am
    Sometimes the most important question about discharging student loans in bankruptcy can be as small as whether you received the check. That’s what Tarra Christoff found when she filed for bankruptcy in Northern California. In 2002, Tarra Christoff applied to Center for Transformative Learning at Meridian University, a private university in California, with the goal of becoming a psychologist. As part of her financial aid package, the school offered Christoff $6,000 in financial aid to pay a portion of her first year tuition. For the second year, Meridian offered her $5,000 in financial…
  • Citigroup Being Investigated Over Student Loan Servicing Practices

    Jay Fleischman
    3 Aug 2015 | 2:32 pm
    Just weeks after Discover was ordered by the Consumer Financial Protection Bureau to pay $18.5 million for illegal student loan servicing practices, Citibank is facing a probe into its own practices. In a filing dated August 3, 2015 with the Securities and Exchange Commission, the banking giant indicated that federal regulators have opened a probe into its student loan servicing practices. Though Citi didn’t indicate which federal agency is conducting the investigation or which student loan practices are the subject of concern, a source tells Bloomberg that that it is part of a…
  • Is It Smart to Use Bankruptcy to Buy Time on Student Loan Payments?

    Jay Fleischman
    3 Aug 2015 | 10:16 am
    If you’re in debt up to your eyeballs, you look to the bankruptcy laws to help you dig out of the hole and start over. That, after all, is what the law’s designed to do – give you another opportunity to put yourself in a better financial position. But if your debts include student loans, you quickly find out that the bankruptcy laws won’t help unless you jump through another set of hoops and prove that your existing financial situation is not only bad, but also long lasting. That’s why so many people with student loan problems don’t consider bankruptcy as a…
  • Why a Fresh Financial Start Makes Sense

    Jay Fleischman
    20 Jul 2015 | 10:18 am
    Does your debt make you feel stuck in a bad place in your life? You can’t get ahead, no matter what you try. You pour everything you’ve got into worrying about the bills, so there’s no energy left to put into making the other parts of your life better. You can’t focus at work so you underperform, which hinders your chances at raises and promotions. Seeing friends and family members is just another opportunity to be reminded of how well they’re doing, and how poorly your life is turning out. One thing you know is this – you’re stuck in a bad place.
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    Thirty Six Months

  • 7 Things you Shouldn’t do While Vacationing in London

    Marissa Anwar
    30 Aug 2015 | 6:32 pm
    London is one of the most beautiful cities in the world, with grand museums, spectacular architecture and a lot of history. Like most major cities however, there are unspoken rules between the locals on what is acceptable behaviour and what can land you on top of the most hated tourist list. Here’s a list of what you should not do while visiting this fine city. 1.   Ride the Tube at Rush Hour London is a major business hub and people who work in and around London take the tube to get to work quickly. It’s overcrowded as it is with Londoners jockeying for seats and space, so tourists…
  • What’s Your Life Plan?

    Marissa Anwar
    17 Aug 2015 | 12:08 pm
    We had a plan- go to school, get good grades, get a good job, find the love of your life (or not), get married, buy a house, have kids. And so forth.  This is the course that most of us expected our lives to follow. It’s what our parents drilled into us. Why wouldn’t we follow it? It makes sense on paper. The reality is that we’re not a generation that follows the expected path, we tend to create our own rules. We do things that make sense to us right now, and we’re happy to find things that fulfill us- whether that’s starting our own businesses, taking time off…
  • Software Startup: Be one or help one?

    Marissa Anwar
    27 Jul 2015 | 12:12 pm
    My day job pretty much involves evaluating startup ideas all day, and then building a plan that makes them grow  really quickly. So it goes without saying that I live eat and breathe this stuff all day. That said, I still get questions about the Startup world, and am hoping that this will answer some of the questions. Are you sitting on a piece of code that needs a little spit and polish to be the next big thing in the software industry? If you’re a talented developer with a particular vision, entering into the software fray today is a risky yet extremely rewarding proposition – if…
  • 7 Awesome Reasons You Should Become A Digital Nomad

    Marissa Anwar
    31 Mar 2015 | 4:44 am
    I fell in love with travelling at really young age- my father’s job involved moving to a different country every few years, and he took his young family with him every time. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the attempt at broken local language can get me through any sticky situation. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the…
  • Freelancers: What to do with you tax refund?

    Marissa Anwar
    25 Mar 2015 | 5:05 am
    It’s tax season again! Are you excited? Well, you should be. If you’re anything like me, you’ve been playing with your tax software to see where you end up this year, and if there are any other deductions calling your name. TurboTax and I are best friends right now! You can check out the TurboTax’s free offerings online as well.  This is when the rubber meets the road, and you figure out what to invest in with your tax refund. Let me preface this by saying that your tax refund is NOT a saving plan, or investment strategy.  You shouldn’t “count” on…
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    Thirty Six Months

  • 7 Things you Shouldn’t do While Vacationing in London

    Marissa Anwar
    30 Aug 2015 | 6:32 pm
    London is one of the most beautiful cities in the world, with grand museums, spectacular architecture and a lot of history. Like most major cities however, there are unspoken rules between the locals on what is acceptable behaviour and what can land you on top of the most hated tourist list. Here’s a list of what you should not do while visiting this fine city. 1.   Ride the Tube at Rush Hour London is a major business hub and people who work in and around London take the tube to get to work quickly. It’s overcrowded as it is with Londoners jockeying for seats and space, so tourists…
  • What’s Your Life Plan?

    Marissa Anwar
    17 Aug 2015 | 12:08 pm
    We had a plan- go to school, get good grades, get a good job, find the love of your life (or not), get married, buy a house, have kids. And so forth.  This is the course that most of us expected our lives to follow. It’s what our parents drilled into us. Why wouldn’t we follow it? It makes sense on paper. The reality is that we’re not a generation that follows the expected path, we tend to create our own rules. We do things that make sense to us right now, and we’re happy to find things that fulfill us- whether that’s starting our own businesses, taking time off…
  • Software Startup: Be one or help one?

    Marissa Anwar
    27 Jul 2015 | 12:12 pm
    My day job pretty much involves evaluating startup ideas all day, and then building a plan that makes them grow  really quickly. So it goes without saying that I live eat and breathe this stuff all day. That said, I still get questions about the Startup world, and am hoping that this will answer some of the questions. Are you sitting on a piece of code that needs a little spit and polish to be the next big thing in the software industry? If you’re a talented developer with a particular vision, entering into the software fray today is a risky yet extremely rewarding proposition – if…
  • 7 Awesome Reasons You Should Become A Digital Nomad

    Marissa Anwar
    31 Mar 2015 | 4:44 am
    I fell in love with travelling at really young age- my father’s job involved moving to a different country every few years, and he took his young family with him every time. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the attempt at broken local language can get me through any sticky situation. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the…
  • Freelancers: What to do with you tax refund?

    Marissa Anwar
    25 Mar 2015 | 5:05 am
    It’s tax season again! Are you excited? Well, you should be. If you’re anything like me, you’ve been playing with your tax software to see where you end up this year, and if there are any other deductions calling your name. TurboTax and I are best friends right now! You can check out the TurboTax’s free offerings online as well.  This is when the rubber meets the road, and you figure out what to invest in with your tax refund. Let me preface this by saying that your tax refund is NOT a saving plan, or investment strategy.  You shouldn’t “count” on…
 
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: August 22-29, 2015

    Chris Mettler
    28 Aug 2015 | 7:28 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.com so you can read what matters the most and not have to worry about all the other “fluff” news. Here are the highlights for August 22- 28. Fidelity Considers Dropping Amex and Bank of America Fidelity Investments, a mutual funds provider, is considering dropping American Express and Bank of America in an effort to find new partners and better terms.  Reports are that…
  • Home Depot Credit Card vs. Lowe’s Credit Card

    Chris Mettler
    27 Aug 2015 | 8:30 am
    For homeowners, there are few things that are as rewarding as completing a home remolding project. Whether big or small, home renovations are a wonderful investment because not only are you adding equity to your property, you also get to enjoy the new and improved living space! Funding a home improvement project can be tough, but Lowe’s and Home Depot each offer a store credit card that have some unique financing options. Let’s take a look at the Lowe’s Consumer Credit Card and the Home Depot Consumer Credit card to see if either of these options are a good choice for you. What they…
  • Discover Rewards Good Grades with Extra Cash Back

    Thomas Donaldson
    26 Aug 2015 | 5:29 am
    Discover has always been regarded as one of the most customer friendly credit card issuers. It seems like they’re adding a new feature or perk to their credit cards every month and continuing to make them better products. For college students looking for their first credit card, the Discover it® for Students and the Discover it® Chrome for Students are both excellent options that have a new bonus feature that will motivate you to study hard. Up to $100 Cash Back for Making Good Grades The Good Grades Rewards program is a new feature on the student credit cards from Discover that will…
  • When To Use Credit Cards For Automotive Expenses

    Jason Steele
    24 Aug 2015 | 10:01 am
    While demand for alternative forms of transportation is surging, most Americans will still spend far more money on their cars than they will on public transit and bicycle commuting. Likewise, credit cards still remain a dominant form of payment, even as more people use debit cards. So when faced with a major automotive expense, when is the right time to use your credit card? Financing Emergency Repairs For many, the key feature that credit cards offer over debit cards is the ability to finance expenses. When people are dependent on their cars and they have to pay for a major repair, 60% of…
  • Credit Cards in the News: August 15-21, 2015

    Chris Mettler
    21 Aug 2015 | 8:30 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 August 15-21, 2015. J.D. Power’s U.S. Credit Card Satisfaction Study In J.D. Power’s latest credit card satisfaction ranking, American Express lost their number one spot, held for nine years, to Discover Financial Services. In fact, Discover gained the…
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    Feeds : Dailyworth

  • 4 Easy Ways to Tell if Your Finances Are in Order

    19 Aug 2015 | 9:00 pm
    Are you comfortably paying all your bills? Let’s say your first mortgage and second mortgage are both manageable. You are slowly paying off your home equity line of credit. Both car payments are about the same as what your friends pay. You’re not late on any of your credit card bills and your job is secure for now. Compared to the doom and gloom you hear on the news, your financial situation sounds pretty good. So how do you really know if your personal finances are in order? Getty Images One problem we all tend to have is “relativity syndrome”: We view our personal…
  • Thinking About a Baby? 8 Ways to Get Your Finances Ready

    17 Aug 2015 | 9:00 pm
    Babyproof Your Money Newborns don’t just come with that adorable new-baby smell and impossibly tiny toes — they also carry a hefty price tag. One of the most overwhelming challenges of parenthood is managing the many new costs, which seem to grow exponentially as your child does. If you’re planning to start a family, don’t panic. Here are the eight financial moves to make before becoming a parent. Decide Where to Rein in Spending Knowing what your numbers look like is necessary to the planning-for-baby process. Leave out nothing: List all your assets, including…
  • 5 Budgeting Steps for Newlyweds

    11 Aug 2015 | 9:00 pm
    Signed, Sealed, Delivered Congratulations on your recent nuptials! Now that you’re back from that honeymoon (and hopefully enjoyed a moderate splurge on some remote island), it’s time to get serious about your finances. Here are a few experts on the five steps you’ll want to follow to keep the financial part of your marriage blissful — whether you’re merging finances or not. Decide What to Merge — and What <em>Not</em> to Merge To have a joint account or not to have a joint account? It’s a personal decision only you and your partner can make.
  • The Difference Between Good and Bad Debt

    10 Aug 2015 | 9:00 pm
    Is debt good or bad? Is there such thing as good debt? These are difficult questions because, as with most personal finance issues, the answer is as individual as you are. For the most part, debt is bad. Sometimes debt can be good (such as a way to build credit). But debt adds risk to your life — and can take away choices. However, there are a few basic rules to determining whether debt is good or bad. Ask yourself: Does it provide positive financial leverage? Does the debt have favorable enough terms (rate, payment, length of loan) that the amount of money you will make or save because…
  • “Good” Credit Habits That Are Actually Bad

    10 Aug 2015 | 9:00 pm
    Rethink What You Know Americans know a fair amount about credit and credit scores. More than half understand, for example, that making payments on time, keeping credit card balances low or paid off, and not opening several cards at once can help raise a low score or maintain a high one, according to a recent survey. People also know that credit scores are important. More than 80 percent of respondents knew that mortgage lenders and credit card issuers use them to evaluate applicants, and more than 50 percent also knew that landlords and cell phone companies take them into account. That said,…
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    Money Q&A

  • Understanding Investing With Margin

    Steve
    25 Aug 2015 | 1:50 pm
    The demand for robust returns in the capital markets environment has created an environment where investors require capital to enhance their returns.  This demand has generated a sophisticated process in which investors can borrow capital that is used to invest in stocks and futures to enhance their returns. Most brokers offer margin as a product which allows investors to borrow capital using the securities they hold within their account as collateral.  Margin provides leverage, which can enhance and detract from returns. What Is Margin Margin is collateral that the holder of a financial…
  • Why You Need To Practice Contrarian Investing

    Hank Coleman
    3 Aug 2015 | 4:00 am
    Contrarian investing is an investment strategy that goes against popular convention. A contrarian investor buys or sells stocks or investments when other investors are doing the opposite. Contrarian investing is an excellent investment strategy to help you find great stocks at a good value that are out of favor with the general public. I’m a contrarian investor. And, I think you should be one too! Famous Contrarian Investors Contrarian investing is best illustrated by looking at some famous, successful individuals. Warren Buffett is a great example of what a person can achieve if he or…
  • 3-2-1 Baby Back Ribs Recipe On The Smoker

    Hank Coleman
    31 Jul 2015 | 10:04 am
    I’ve recently bought a Traeger Texas Pellet Grill to barbecue and smoke meat. This has quickly become my new hobby. So, I thought that I would document some of my successes….and failures here on Money Q&A as I learn to be a backyard barbecue grill master. I hope you enjoy these couple of recipes and pictures of what I’ve been up to on my off time. Here is the first recipe that I’ve tried on the Traeger Smoker, 3-2-1 Baby Back Ribs Recipe. They are super easy to make and taste great! 3-2-1 Baby Back Ribs Recipe Serves: 4 Recommended Pellets: Oak or Hickory Prep…
  • How To Safeguard Your Online Banking Transactions

    Guest Contributer
    31 Jul 2015 | 8:51 am
    The rapid advancements in technology have given rise to a new breed of fraudsters intent on capturing sensitive, personal and banking information. Criminal syndicates are continually finding ways of extracting personally identifiable data such as ID numbers, social security numbers, address information, bank account numbers and passwords. However, banks and other financial institutions employ the services of data protection experts and IT gurus to continually combat the efforts of criminals. You can employ any number of tips, tricks and banking strategies to maintain the integrity of your…
  • New Survey Shows Millennials Have Little Savings For Retirement

    Guest Contributer
    15 Jul 2015 | 3:36 am
    Maybe it’s because this generation makes less money than previous generations did, or maybe it’s because Gen Y burns through cash without saving much of it. But either way, millennials are not prepared long-term. This generation is pushing back the big financial decisions in life like buying a home and establishing a viable retirement plan. A new survey[1] from the Indexed Annuity Leadership Council (IALC) reveals that 15 percent of millennials have less than $25,000 saved. One-in-three millennials say they set aside no money for retirement and 24 percent say they owe more than they have…
 
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    Creative Money

  • 5 Mindsets to Change Your Money Habits Once and For All

    Mindy Crary
    25 Aug 2015 | 9:56 am
    Have you ever made a New Year’s resolution?  Or maybe two?  Or twelve?   For a lot of people I know, whenever they get the bug to make a change in their lives, they dive in head first and want to do everything just right. Want to lose weight? Well then we have to stick to a perfect 1200 calorie diet and exercise for an hour every day. Want to cut debt? Better cut out all unnecessary spending and track every penny that comes in and out. But creating change in our lives is one of the most difficult things we attempt as human beings, especially in the area of money. Whether it is practical…
  • The 4 Types of Spending and How to Rein Them In Consciously

    Mindy Crary
    18 Aug 2015 | 12:06 pm
    To really get to the next level to be a gold star conscious spender you have to start assessing your thoughts before and after you make a purchase and question the validity of those thoughts. As you list spending and estimate how much you will be spending, I find that some things have zero emotional charge, and other things had a whole story attached to them (stories are always a goldmine of insight). In general, I find that you can group your spending into four categories — which can help you unravel the stories you’re telling around that spending. 1. Avoidance spending This means…
  • How Bacon Can Help You Get Your Spending Under Control

    Mindy Crary
    11 Aug 2015 | 1:03 pm
    Bacon is the solution for spending less and saving more.  And cheese. Lemme explain.  There were years when I was working my butt off building my business and working late hours.  I’d stop working for the day, head home and pick up some take-out for dinner.  This was happening three or four times a week.   It wasn’t like I didn’t have a fridge full of healthy food at home waiting for me.  And I ended up throwing out a lot of those veggies and well-intentioned healthy food, because I never got around to fixing it. I was spending more and eating less healthfully at the same time.
  • A badass list of ideas for saving money

    Mindy Crary
    4 Aug 2015 | 4:15 pm
    A trend I have noticed recently with my clients is that I am issuing challenges with saving money. The way this comes about is, I see how much they are making and what ballpark expenses are, so it would make sense if they could save $X each month. Why not try? Sometimes they can, sometimes they can’t—but that’s good news too, because we just created another point of clarity. And even if the savings amount isn’t exactly what I predicted, they are still saving more than when we started. The saving money challenge Sometimes people try to save and the money just disappears.  This is why…
  • Crazy-easy mid-year money moves you can do yourself

    Mindy Crary
    28 Jul 2015 | 4:07 pm
    Here are the top 9 crazy-easy mid-year money moves you can do yourself! Do-it-yourself money moves Look forward 6 months.  What have you got coming up that you need to pay for?  A vacation?  Um, the holidays?  Start deciding how much you want to spend and start stashing that away…for example, if I decided to spend $3,000 on gifts and travel by in December, I should be setting aside $600 per month ($3,000 / 5 months = $600) if I haven’t started sooner). Extra credit:  While you’re at it, look out 12 months and calculate how much you need to save ongoing (I always find that if…
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    Three Thrifty Guys

  • Mapping Out Your Income for Multiple Streams of Income

    Charlie
    13 Aug 2015 | 4:52 am
    Two years ago I started using this new concept called the two checking account system. The concept was where I diverted a fixed amount of my primary income into a fixed expense checking account and everything else into a variable checking account. The money flow worked pretty flawlessly, and allowed our family to automate all of our fixed expenses. Thus saving us a lot of time and money on paying our bills. Being the visual guy that I am, I’ve progressed with the concept, and drew out how our income is being diverted, what amounts are being paid out from our fixed bills, and what other…
  • Try This to Get the Best Deal on Car Repairs

    Aaron
    10 Aug 2015 | 4:09 am
    Do you ever feel like you are just emptying your wallet, time and time again? It feels like we are in that season right now. Several months ago we made some major car repairs, next we got notice in the mail that everyone in our neighborhood would be assessed $500 for street repairs (“What are my taxes for?!“), then we found out a skylight is leaking water from the roof and (finally) just this past week we encountered another major car repair on one of our aging vehicles (which makes me think more and more about leasing an electric car). As I’ve mentioned, all this would be…
  • How to Save Money at Best Buy

    Dealspotr
    7 Aug 2015 | 10:24 am
    Best Buy has stood the test of time in the world of electronics and has outlasted many competitors, including Circuit City and Radio Shack. Today, Best Buy is known for having a huge selection of all kinds of electronics and gadgets. Although the prices tend to be reasonable, they are often not as low as they could be, which makes it even more important to know how to shop smartly and save money. Use the following techniques to get great electronics for great prices at Best Buy. Join My Best Buy Best Buy recently revamped and renamed its rewards program to attract more customers. The “My…
  • Should Parents Affect Their Kids Perception of Money?

    Charlie
    6 Aug 2015 | 4:10 am
    When I was in 4th grade my parents scared the living daylights out of me. I was crying/complaining on the way home from not getting a toy at the store, and my mom slams on the car breaks. Immediately she burst into tears, and says, “Charlie! We can’t afford the toy! The farm isn’t doing well. Corn and bean prices are down, and Dad is struggling to make money. We need to do everything we can as a family to pull together. We just don’t have the money right now. I’m soooo sorry.”  Boy did I feel like crap! This one incident revolutionized my life and…
  • Ting Revisted – One Year Review

    Matthew
    3 Aug 2015 | 3:34 am
    Reviewing is a key component to success. I constantly encourage my ninth grade Algebra students to review their work. Coaches are always reviewing game film to learn from the previous game. I would submit to you that reviewing financial decisions is an important aspect of living wisely in the area of finances. When I make a big purchase, I should ask if it were worth it one year later. If I change a lifestyle habit, I want to evaluate how it affects my bottom line a year later. One decision that I wrote about last year and wanted to review was my decision to switch cell phone providers to…
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    Money Infant

  • Benefits of CFD Trading

    Steve Walters
    9 Aug 2015 | 5:45 pm
    While CFD trading does have its risks, there are still plenty of reasons why you should consider getting into this type of market. CFD stands for “contract for difference,” and it is a trade that’s based on the difference of an asset between the time it’s opened and the time it’s closed. You do not actually buy the asset. Instead, it is simply a contractual agreement between the person buying the trade and the broker who offers it. CFD trades are very accessible, as there is no need for a stockbroker. However, because of the “on margin” aspect to it, it is riskier than most…
  • Attracting The Attention Of the Customers For Your Online Store

    Steve Walters
    11 Jul 2014 | 4:59 am
    A brick and mortar store survives only if enough customers can find it. The more customers a store can attract, the better they will do. The same mentality can be applied to an eCommerce site. Whether it is a stand-alone company or the online arm of a physical store, the site needs customers to survive. While physical stores can entice customers by offering samples and discounts, virtual locations need to be a little more creative in how they attract potential customers. Learning how to market a product online is one of the most critical elements of survival for any eCommerce retailer. There…
  • How Do Brits Spend Their Money?

    Steve Walters
    25 Jun 2014 | 11:48 pm
    Money matters Have you ever wondered at month’s end where your paycheck went? MyJar’s infographic shows how and where much some of our hard earned cash has gone. From everyday necessities to splashing out on Saturday nights out, gym memberships and lush holidays, it doesn’t take much to run low on the budget. Addressing short-term cash flow Sometimes no matter how many hours you work and how much you budget, you can still find yourself short of cash at the end of the month. Things can be made worse by unexpected financial demands like a boiler breakdown or car repairs. If you’re…
  • How to Market Your Business on a Shoestring Budget

    Steve Walters
    1 Mar 2014 | 10:27 pm
    There is little point having a fantastic product or exemplary service to offer to the marketplace if nobody knows either you or it exists. This is really the crux of marketing and why it is important. It is not unusual to hear early development stage businesses saying that they can’t really engage in professional marketing because they just don’t have the money. Let’s examine a few ideas as to how that problem might be at least partly overcome. Don’t try and re-invent the wheel The fact that marketing is a common problem for many start-up businesses should oddly give you at least some…
  • What the Heck are Greenslips?

    Steve Walters
    24 Nov 2013 | 10:46 pm
    One of the cool things about living in Bangkok is that you get to meet such a diverse range of people. Not only Thais and other Asians, but a vast selection of humanity from around the world. It can be fun and enlightening to compare notes with those who share a common background (European ancestry), but have different experiences having been raised outside the U.S. Or at least I think so. Not surprisingly, the conversation can often turn to money matters and how things such as taxes, prices of goods and services and insurance differ from country to country. Recently I had such a conversation…
 
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    Nerd's Eye View | Kitces.com

  • Weekend Reading for Financial Planners (Aug 29-30)

    Michael Kitces
    28 Aug 2015 | 10:31 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the big news that the world's largest asset manager, Blackrock, decided to buy the #3 robo-advisor FutureAdvisor for $150M, with plans to pivot the company from its current direct-to-consumer focus to instead become a robo-advisor-for-advisors solution for Blackrock's institutional partners (i.e., banks, broker-dealers, insurance companies, and perhaps RIAs). From there, we have a few articles on this week's market turmoil, including a discussion of the unusual market volatility in…
  • Blackrock Acquires FutureAdvisor For $150M As Yet Another Robo-Advisor Pivots To Become An Advisor #FinTech Solution

    Michael Kitces
    27 Aug 2015 | 8:31 am
    Yesterday, Blackrock announced that it was acquiring FutureAdvisor, one of the three original and “pure” robo-advisors who have been gathering assets and managing ETF portfolios directly for consumers. And despite FutureAdvisor having “just” $600M of AUM, and an estimated $3M of revenues, Blackrock’s purchase was rumored to be in excess of $150M. However, it appears that Blackrock’s strategy was not simply to buy FutureAdvisor to expand its direct-to-consumer solution, but instead to pivot FutureAdvisor to become a robo-advisor-for­-advisors solution, and license/offer the…
  • Social Security And Medicare Claiming Strategies To Navigate The Looming 52% Medicare Part B Premium Spike

    Michael Kitces
    26 Aug 2015 | 4:01 am
    Under Social Security and Medicare rules, the “Hold Harmless” provision is a special rule intended to protect most Social Security recipients from experiencing a decrease in their (net) benefit payments, by limiting the (dollar) amount of the annual Medicare Part B premium increase to the (dollar amount) of Social Security’s cost-of-living adjustment. And due to negative inflation from the recent fall in energy prices, the 2016 Social Security COLA is on tracked to be “floored’ at the minimum 0.0%, which in turn means that Medicare Part B premiums will be locked in for a 0.0%…
  • Are The Licensing And Other Requirements To Become A Financial Advisor Too Easy?

    Michael Kitces
    24 Aug 2015 | 4:01 am
    Virtually all financial advisors today follow one of three paths in becoming a financial advisor – either as a registered representative of a broker-dealer, an insurance agent with an insurance company, or an investment adviser representative of an RIA. And each path has its own licensing and exam requirements. Yet the sad commonality of all paths to becoming a financial advisor is that the actual exam and educational requirements to be an advisor are remarkably low. In fact, the licensing exams for financial advisors do little more than test basic product knowledge and awareness of the…
  • Weekend Reading for Financial Planners (Aug 22-23)

    Michael Kitces
    21 Aug 2015 | 11:01 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the second edition release of the CFP Board’s “Financial Planning Competency Handbook”, a nearly-1,000-page tome that aims to capture the entire comprehensive financial planning body of knowledge (for both students learning financial planning and practitioners to use as a reference). From there, we have several practice management and technology-related articles this week, including a review of digital estate planning software solution EverPlans, a first look at a new…
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    I Need Money

  • Is foreign investment the key to saving a failing business?

    admin
    30 Aug 2015 | 4:04 pm
    In an increasingly global marketplace, struggling businesses are more and more inclined to look abroad for investment. Sometimes, it’s a case of companies in weaker economies reaching out to stronger ones, but there are also other reasons why it can make strategic sense. If you’re a patriot concerned about your profits being siphoned out of the country, bear in mind that keeping your business afloat will mean you contribute more to your national economy in the long term, as well as employing people. Foreign investment can be a good thing at a national level, too.   The importance of…
  • The Art of Consumerism: How to buy Products Cheaper

    admin
    26 Aug 2015 | 3:29 pm
    Throughout the developed world, the cost of living has risen at an exponential rate in the last seven years. Since the age of the great recession, business owners have strived to keep earnings and salary costs to a minimum, while the price of consumer goods and interest rates have risen at a steady rate. With inflation soaring at a disproportionate rate to earnings, consumers have being left struggling to make their disposable income stretch beyond everyday, essential purchases. The Art of Consumerism: How to buy Products for Less While the cost of living may be continuing to rise, however,…
  • The Key Behaviours that will help you to save Money

    admin
    24 Aug 2015 | 4:41 pm
    The summer tends to breed optimism among consumers from all parts of the world, from the UK and Europe and the U.S. This has certainly been highlighted by recent statistics, which suggests that consumer spending begun to rise exponentially in June and continued to climb steadily throughout July. While this may good for the summer economy, it is unlikely to benefit customers who fail to budget and make impulsive spending decision based on emotion. Individuals who spend heavily during times of growth and prosperity often fail to save on a regular basis, leaving them exposed when the economy…
  • What financial lessons can business owners learn from the Music Sector?

    admin
    23 Aug 2015 | 2:33 pm
    As a general rule, business-owners can learn a huge amount from the commercial developments outside of their own industry. While these lessons must be carefully considered and adapted to suit specific circumstances, flexible and lucrative entities such as the mobile app industry and social gaming provide profitable templates for modern businesses. The same principle can be applied to the music industry, especially from a financial perspective. Given the diversity and largely freemium nature of the modern music sector, it offers multiple lessons in how businesses can adapt and survive while…
  • Tips To Help Manage Your Investment Portfolio

    admin
    2 Aug 2015 | 2:21 pm
    Whether you want to invest for your own future or that of your family, protect the wealth that you have generated over a lifetime, or you want to earn a decent income from your investments, it is vital that you accurately and reliably manage your investment portfolio. Most portfolios will include a diverse range of risks and investment types, helping to spread risk, secure wealth, and still attract a decent potential return.   Determine Your Risk And Aims Before you can manage your portfolio efficiently, you need to determine the level of risk you are willing to take on, and also what…
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    Zoho Blogs

  • Customer Success Story: Sherpa Climbs to the Top of Video Production with Zoho CRM

    Arun
    25 Aug 2015 | 8:49 am
    Sherpa, an enterprise video production company located in Northern California, runs their entire sales pipeline with Zoho CRM. Watch how Sherpa uses Zoho CRM to increase visibility of their sales pipeline by 65% and reduce lead to warm prospect time by 60%, all contributing to greater profits. //www.youtube.com/watch?v=C2J_ueiXTak
  • Announcing the Android app for Zoho Reports

    Arvind
    24 Aug 2015 | 9:36 am
    After 11 months of success with the Zoho Reports iPad app, we are happy to announce that the wait is finally over for Android users! Today, we are glad to announce the availability of an Android tablet app for Zoho Reports. It is a free app and can be downloaded from the Google Play Store. With the Zoho Reports Android app, users can: Visualize data with access to 30 different chart types, pivot tables, summary and tabular views See and interact with dashboards to track their key performance indicators (KPIs) Filter data, and ​drill-down at any point in the report Automatically…
  • It’s Here, The All New Zoho Recruit!

    Shirley R Graceya
    18 Aug 2015 | 6:02 am
    We’re excited to announce the launch of the all new Zoho Recruit. We owe a big one to our faithful customers, who have contributed much to the crafting of this version through their valuable feedback and feature requests. ​The ​four major challenges recruiters usually face are sourcing hurdles, tracking inefficiencies, lack of collaboration and software complexity. To overcome these challenges, we offer you a feature-packed and easy-to-use recruitment solution with the new Zoho Recruit. ​We’ve got everything you need to start your recruitment process from scratch, and keep…
  • 5 Tips from Sherlock Holmes to manage recurring billing

    Varun Singh
    17 Aug 2015 | 11:02 pm
    “The name is Sherlock Holmes and the address is 221b Baker Street.” The world’s ​favourite consulting detective has emerged from the fog. He is edgy, contemporary, stubborn, difficult and dangerous. Yet, he has successfully mesmerised his audience with slow motion fist fights and savant-like ability to see what is invisible to the common man. And, with over 200 movies and a universally acclaimed series starring Oscar-nominated Benedict Cumberbatch, Holmes has been raking in the big bucks for the production houses. Holmes’ daredevilry is an outcome characterized by…
  • 5 Closing ​Questions Every Salesperson Needs to ​Know

    Nanya Srivastava
    14 Aug 2015 | 9:30 am
    You’ve made your pitch and answered several rounds of ​queries, but you’re not any closer to a deal. ​What’s worse, people you’ve been interacting with are not the ones who would ​make the final call. No, the decision makers are elsewhere, and have a different set of priorities you haven’t quite addressed in your ​pitch. ​Sounds like a nightmare? ​This is why closing questions are an important tool. It’s easy to miss out a few points while making a presentation and answering ​questions, ​but your closing questions should be designed to fill in these…
 
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    Money Estate - Personal Finance Tips Blog

  • Invest for The Rest of your Life

    Money Advisor
    25 Aug 2015 | 7:32 pm
    These days, when it can be a real struggle to find well paying jobs and hold onto them, many people worry that they won’t ever be able to retire, but in fact, with the right plan, a comfortable retirement is within reach of most of us. The trick is to start saving early, budget carefully […]
  • 5 Factors That Affect The Forex Market

    Money Advisor
    21 Aug 2015 | 3:17 am
    Trading currencies is essentially like trading shares in a particular country, and this means that traders are looking for signals of a country’s economic performance to determine how a particular currency will perform. While there are many economic and political factors that can influence Forex pairs, below are some of the most important and some […]
  • How a Virtual Assistant Changed My Life Forever

    Money Advisor
    22 Jul 2015 | 4:08 am
    One day I woke up and suddenly I was 39 years old. The proud owner of an upper middle class home overlooking Lake Ontario in the “nice” part of town. A wife, two kids, two Labrador Retrievers, two new vehicles on lease, and an expanding cold storage business in Eastern Michigan. Never enough hours in […]
  • Using Forex Charts to Improve your Trading

    Money Advisor
    3 Jun 2015 | 12:48 am
    Have you thought about forex trading? Do you get lost in the jargon? Well, not to worry as we have broken down one of the best ways to improve your trading. Forex charts may or may not be something you are familiar with, however, if you are serious about making money from trading then taking […]
  • Asset Management Strategies

    Money Advisor
    23 Apr 2015 | 5:42 am
    Asset management is the maintenance of the desired level of service for your assets at the lowest life-cycle cost, which is the most appropriate cost for the repair, rehabilitation or replacement of an asset. As a business owner, your assets are essentially the building blocks of your business, and it is thus vital to manage […]
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    Cult Of Money

  • Struggling with Money? Change Your Money Mindset

    Alexa Mason
    26 Aug 2015 | 1:15 am
    Through observations I’ve made from watching and listening to friends and family, the reason that most people are broke isn’t because they don’t know what to do, it’s that they don’t want to do what they should do. I know there are many people who are responsible but simply aren’t making enough money to make headway financially. If you fit in that group this post isn’t for you. This post is for people who have decent jobs, are earning at least $40,000 per year yet are up to their eyeballs in debt and are living paycheck to paycheck. You are the Problem but Also the Solution…
  • Investing for Cash Flow: 3 Ideas to Get You There

    Alexa Mason
    19 Aug 2015 | 1:15 am
    I was listening to a super interesting podcast last week on Smart Passive Income. While Pat regularly talks about building businesses, this particular podcast covered investing with his interviewee Ryan Moran. Ryan’s investing principle was to always invest for cash flow. I’ve got to admit- I really like this idea. In fact, I liked it so much that after I was done listening to the podcast I took some action. Here are three ideas for investing for cash flow: Dividend Stocks One of Ryan’s strategies was to invest in Dividend stocks. Particularly, he looked for stocks that had a high…
  • 5 Ways to Decorate on a Budget

    Alexa Mason
    12 Aug 2015 | 1:15 am
    I recently moved into my dream house. I call this my dream house for two reasons 1) the property and 2) the potential. In all honesty the day we took possession of this home it looked like a foreclosure (even though it wasn’t.) It was filthy, the bathrooms were enough to make you sick, and the work needing done was plentiful. However, the bones of this house are absolutely beautiful. The home is a log cabin but looks like a rustic farmhouse inside. There are beams everywhere, beautiful wide plank hardwood floors throughout the entire house, exposed ceilings, rock and brick walls, custom…
  • How to Craft Your Own Financial Plan

    Alexa Mason
    5 Aug 2015 | 1:15 am
    Personal Finance is basic. It really, really is. There are only a few things you need to do in order to be financially successful. And while all of these things are simple they aren’t necessarily easy. In order for your financial life to be successful you need to have a plan. This plan outlines all the basic steps of personal finance but is designed specifically to benefit your life. Here’s how to craft your own financial plan. Your Financial Plan Basics The point of creating your own financial plan is to ensure that you meet the financial goals you have. It will be one place where you…
  • Put More Money in Savings with These Five Strategies

    Alexa Mason
    29 Jul 2015 | 1:15 am
    Why do you work so hard on lowering your expenses only to blow the money you actually saved? It seems like that’s pretty normal, right? Frugality is popular and while that’s great, is being frugal actually increasing the size of your savings account? If not you can put more money in savings with one of these five strategies. Create a Bill Calendar and Mark Savings as a Bill You pay your bills every month. You write checks for rent, get online and pay things like phone bills and utilities. If you’re responsible enough to pay your bills why aren’t you saving any money? The answer is…
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    Slave to LenderSlave to Lender | The Rich Rule Over the Poor...

  • Selling Books with Amazon FBA

    Tony
    13 Aug 2015 | 7:15 pm
    I recently have been diving headfirst into the wonderful world of selling books with Amazon FBA. Nine years ago I started selling books on Amazon, but I fulfilled them all myself. I would list all the books on Amazon, wait for them to sell, and then ship them to the customer myself when the book sold. As you might imagine, this is a bit time consuming, and for me, it was a little annoying. I didn’t like having a whole bunch of shelves filled with books sitting there waiting on their new home. Enter the wonderful world of Amazon FBA. A short discussion on Amazon FBA, for those who may…
  • How I Plan to Get Out Of 56,000 in Debt in One Year

    Tony
    8 Mar 2015 | 4:25 pm
    Getting out of Debt in One Year It is often said that story really happens when a character in the story identifies something that he/she wants and overcomes obstacles to get it. Think of the epic stories that you really identify with..the ones that leave you rooting for the character to get the girl/guy/job/etc. These are the stories that I dream about. This is the type of story that I want to live out in my life. What is is that I want? To be free from debt and also to be fully self-employed. There are some other things that I really want out of my life and in the life of my family, but I…
  • When You Think You Hit Bottom

    Tony
    13 Feb 2013 | 4:45 am
    If you’re anything like me, you have busted some serious butt to dig yourself out of debt. Maybe you have been extraordinarily successful in doing so, maybe you’re still on the journey. Either way, you know what it is like to work your tail off, only to have old Murphy move into your spare bedroom. In our journey of debt freedom, this has happened more times than I care to count. We have made great strides in our strategy of killing debt…Then, IT happens. Often it is something that we couldn’t really have predicted, like unexpected medical expenses in an otherwise very…
  • The Places I’ve Been

    Tony
    16 Jul 2012 | 7:00 am
    I’m writing to catch you up on the places I’ve been… Working, for the most part. The past several months have been filled with numerous hours of overtime, airplane trips, and beginnings of a new ministry. In the industry in which I work, busy seasons runs from about Easter until New Year’s day. There are good points and some not-so-good points to this. The main good thing is that essentially, I can work as much overtime as I want. The bad side is that I can work as much overtime as I want. For the past several years, this season has provided for my family in some…
  • Six Budget Trimming Ideas

    Tony
    9 Mar 2012 | 6:30 am
    Six Budget Trimming Ideas People on the journey to debt freedom are always looking for ways to trim the fat from their budgets. There are plenty of line items in my own budget that are due to get on a diet. For many people, these budget fattening items vary from daily expenses to monthly bills that are just really not necessary. Trimming these not-so-necessary items from your budget will do a few things. First, they will create margin for you. You won’t stress so much about getting your debts paid off because you’ll actually have extra cash to throw at them! Second, you’ll begin to get…
 
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    Wealthy Turtle

  • Verizon FiOS Promo Codes

    Mike Collins
    21 Aug 2015 | 6:07 am
    Updated to include the latest Verizon promotion codes and offers on August 21, 2015.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…
  • Book Review – The Fold

    Mike Collins
    26 Jul 2015 | 9:53 am
    A Sci-fi thriller/mystery that I just couldn’t put down, The Fold draws you in and won’t let you out.Mike Erikson is a genius with an eidetic memory who lives in Maine and works as a teacher. One day his longtime friend convinces him to check out a top secret government project called the Albuquerque Door, a portal that folds space and allows people to instantly jump from one place to another.The device will revolutionize the world.  But something is very wrong and everyone seems to be hiding something. Does the Door really work the way its creators say?  Mike’s job is to get to the…
  • Fun Family Staycation Activities That Won’t Break Your Budget

    Melissa Batai
    2 Jun 2015 | 5:58 am
    The temperatures are starting to rise, flowers are blooming and the grass is green.  You or your neighbors may even begin outdoor barbecuing.  Summer is right around the corner.  Many people take their vacations in the summer, but what happens if you won’t be one of them this year?  Maybe you can’t afford a vacation or you are saving for another goal.  Whatever the reason, you can still have fun, right in your own neighborhood with a staycation.Staycations don’t have to be boring.  Simply look at a staycation as a way to explore your own city—you become a tourist in your own…
  • The 5 Most Common Interview Questions HR Managers Ask

    Dominique Brown
    26 May 2015 | 6:09 am
    The job interview is one of the most important steps in job hunting. If you nail your initial interview session, you are one step closer to getting the job of your dreams. While interview styles vary among companies and interviewers, there are some questions that crop up all the time. A good way to prepare for an upcoming interview is to practice answering these questions ahead of time. Grab a friend to play the role of interviewer and rehearse how you would answer these common questions. Knowing how to answer these questions will build your confidence and allow you to be less nervous when…
  • Friday Roundup – Tee Ball Edition

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

  • The REAL Reason Forbes Got Too Scared to Publish the Article They Asked Pamela Yellen to Write

    Pamela Yellen
    18 Aug 2015 | 12:21 pm
    As you can probably imagine, I felt honored when Forbes asked me to write an article for them. Wouldn’t you be flattered if Forbes wanted you to write an article? It was one of their regular columnists who requested the article, who I’ve called “Pat” to protect the guilty. Pat had asked me to answer ten questions for publication. The questions indicated Pat knew I have a contrarian take on Wall Street and that I’m a consumer advocate. I was eager to answer Pat’s questions and tell the world about the scams in the mutual fund industry and expose the…
  • The Article Forbes Asked Pamela Yellen to Write – But Got Too Scared to Publish

    Pamela Yellen
    28 Jul 2015 | 7:42 am
    Recently I was asked to write a full-length article for the Forbes website by one of their regular columnists, who I’ll call “Pat” to protect the guilty. Pat had taken my Financial IQ Quiz and found it very insightful. So Pat asked me to answer ten questions in writing for publication in Pat’s column. The questions indicated Pat knew full well that I have a contrarian take on Wall Street and that I’m an advocate for consumers and investors. They included questions like… “What are some of the scams in the mutual fund industry?”…
  • What is the Secret 770 Account and Why Do They Keep Changing Its Name?

    Pamela Yellen
    5 Jun 2015 | 11:13 am
    We’ve been getting a lot of questions about the “770 Account” and how it compares to Bank On Yourself. The 770 Account also goes by other names, including the President’s Secret Account, the Invisible Account and Income for Life. You may wonder why it goes by so many different names? There’s a reason for that which I’ll reveal in a moment. But first, let me take the mystery out of the secret 770 Account by revealing exactly what it is and how it compares to Bank On Yourself… The 770 Account is simply the name the new kid on the block, Palm Beach…
  • A 9.94% Annual Return Without Market Risk? [Video Proof]

    Pamela Yellen
    3 Jun 2015 | 7:14 am
    What if I told you that it’s possible to get an annual return of nearly 10% – without the risk of stocks, real estate or other volatile investments? Watch the Video above to see proof of the return of Bank On Yourself (then click on the icon in the lower right to enlarge) I’m pretty sure you’d wonder what I’ve been smoking! But I’m going to prove to you how the Bank On Yourself method has achieved that kind of return over the last half century. To quickly recap, Bank On Yourself relies on a super-charged variation of an asset that has increased in value every…
  • Get all your questions about Bank On Yourself answered – Live Webinar

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

  • First Time Buyer? How to Choose a Real Estate Agent

    alissaharb
    25 Aug 2015 | 4:44 pm
    Unless your best friend or your favorite uncle just happens to be a real estate agent or broker, the task of selecting someone to represent you in a real estate transaction can be daunting. Thanks to computers and the Internet, not only is there a real estate office on almost every corner, but today’s buyers also have online access to an unlimited number of possible agents and brokers. Sorting all of this out can be time consuming and fraught with landmines along the way—especially for first-time home buyers, since they most likely have little or no experience in what’s involved in the…
  • First Time Home Buyer’s Guide: What Is Due Diligence?

    alissaharb
    25 Aug 2015 | 9:39 am
    Many first-time home buyers have little idea of what they need to do after they sign a contract to purchase a home. In this article, we’ll look at the “due diligence” part of buying a house, and discuss the various tasks that are vital to ensuring that your purchase becomes a positive event and not a nightmare. A Basic Definition First things first: due diligence refers to a buyer’s investigation of the various aspects of a property, either before making an offer or (more often) within a specific timeframe between entering into the contract and closing. If any defects in or around the…
  • How to Start Your Own Legit Pet Sitting Business

    alissaharb
    19 Aug 2015 | 8:34 am
    Believe it or not, with only a small initial investment, sporadic pet sitting jobs could turn into a full blown pet-sitting business, which can generate you a six-figure income in less than five years. Depending on where you live (your income potential will be limited if you live in the middle of nowhere with few pet owners in the area) and how many hours you’re willing to put in, it might even take as little as three years. Many pet sitters grow by adding contract workers, with the boss managing the marketing, scheduling, client interviews and other aspects of growing the business. Some…
  • Buying A Home With A Low Or Zero Down Payment

    mbergstrom11
    7 Aug 2015 | 12:37 pm
  • Tips For Obtaining Your Down Payment

    mbergstrom11
    7 Aug 2015 | 12:35 pm
 
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    DINKS Finance

  • Do you remember going back to school?

    Kristina
    28 Aug 2015 | 2:00 am
    Startup Stock Photos It’s the most wonderful time of the year.  It’s back to school and that means families all across the United States are getting their kids (and in some cases themselves) ready for back to school.  So let me ask you a question, even though you’re all grown up and work full time do you miss going back to school? I do.  I get nostalgic this time of the year for overcrowded classrooms, busy college campuses and long nights filled with homework.  I definitely don’t miss the sleepless nights and the feeling of always being ten minutes behind, but I…
  • How Soon Should You Get Married After Being Engaged?

    Kristina
    27 Aug 2015 | 2:09 am
    How long were you and your spouse engaged before you got married?  That seems to be the million dollar question for all couples.  My best friend just moved in with her boyfriend of one year.  Her parents were less than thrilled with her choice because she was committing to him without “any promise” – that’s a direct quote. As you know Nick and I have been dating for 16 years and it doesn’t look like marriage is anywhere in our future.  So if someone asked me “How soon should you get married after being engaged?” my answer would be forever. …
  • This is Why I Never Want to Have Kids

    Kristina
    26 Aug 2015 | 2:00 am
    I know this is a dual income no kids personal finance blog, so it should go without saying that I never want to have kids.  However something happened to me last weekend that just solidified my life choice is the right choice for me. Last Friday my best friend and I decided to take a girls weekend away from our boyfriends and just hang out together doing nothing but watching movies, ordering room service and shopping.  We decided to meet in a city in between where we both live so it would be convenient.  I quickly booked a train from Montreal to Toronto and I was on my way to a nice,…
  • Financial Advice for a Happy Marriage

    Kristina
    24 Aug 2015 | 2:02 am
    Some say the secret to a happy marriage is communication, some say it’s honesty and others say it’s compromise.  Among other things, I personally think it’s a combination of all three…especially when it comes to money in your marriage. If you could go back to the first year of your marriage, what financial advice would you give yourself?  I know that I would do some things differently and I’m sure so would Nick – although he’s my boyfriend, not my husband. As both a long time girlfriend and a financial planner here is some financial advice for a…
  • Should Married Couples Merge Finances?

    Kristina
    21 Aug 2015 | 2:00 am
    Here’s a question that a lot of couples want to know: Should married couples merge their finances?  I am not sure there’s a right or wrong answer.  If I base my answer on my relationship I would say no, but that’s what works for us.  However in some situations it’s easier for one person to manage the household finances. I don’t think couples should be figuring out how to merge their finances after tying the knot, I think the better question would be, do we need to comingle our money as well as cohabitate? Here are five situations when it makes sense for…
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    rVoice | rplan

  • Saving for your first house?

    18 Aug 2015 | 10:01 am
    Ask any 20-something who is saving money each month why they are doing so and there’s a good chance you’ll likely get one answer in particular: they’re trying to get together the deposit for a property purchase. And now such savers are getting a new type of individual savings account (ISA) especially for this purpose. The Help to Buy ISA will become available later this year, with leading banks and building societies expected to offer the product as soon as the Government finalises the rules. These will be cash savings accounts, with the interest you earn on your money sheltered
  • Moving to the new charging structure

    30 Jul 2015 | 10:22 am
    Back in 2014, we announced that our charging structure were changing and from March 10th 2014 all deals would be for funds in the new charging structure. These changes were the result of the Retail Distribution Review (RDR), launched in 2012 by the Financial Conduct Authority (FCA). The purpose of the RDR was to make charges clearer to investors - a move which we fully support, and as a result of this, our pricing structure was changed. The new regulation applies across the industry, not just to rplan - other providers such as Hargreaves Lansdown, Fidelity, Chelsea and many more
  • AIM Celebrates its 20th Birthday

    28 Jul 2015 | 7:24 am
    What does the history of AIM tell us about the investment opportunities available amongst smaller companies? At first sight, the Alternative Investment Market (AIM) doesn’t appear to have done investors too many favours during its first two decades. A £1,000 investment in the FTSE Aim All-share Index at the launch of the London Stock Exchange’s junior market in July 1996 would have been worth only £830 20 years later – and only that much if investors had reinvested their dividend income. Without that support, their £1,000 would have fallen to £760. Compare that to the FTSE 100
  • ISA Inheritance Made Simple

    9 Jul 2015 | 2:54 am
    Many couples have substantial sums invested and have sensibly opted to hold much of their money in individual savings accounts (ISAs), in order to shelter income and capital gains from tax. Until very recently, however, the death of one partner has potentially left the other open to the possibility of unexpected tax bills in the future. Fortunately, a shake-up of the rules has now changed the position for the better – but it is important that you get to grips with how the system works. ISAs allow everyone to shelter a certainly amount of savings and investments from tax each
  • The Benefits of Investing Early

    7 Apr 2015 | 5:11 am
    It’s the same story every year. In the final few weeks of the tax year, which comes to an end on 5 April, investors scramble to take advantage of their individual savings accounts (Isas) before they lose their tax-free allowance for the year for the good. More money goes into stock market and other funds in March than in any other month of the year. It doesn’t have to be this way. There are good reasons not to succumb to the last-minute rush – and not only because decisions made in haste are often regretted. Investing early on in the tax year rather than in its death throes makes
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    Wallet Hub

  • 2015 US Open By The Numbers

    John S Kiernan
    25 Aug 2015 | 3:02 am
    Posted by: John S Kiernan It’s that time of year again, with kids headed back to school and the violent grunts of the world’s best tennis players set to join the Big Apple’s city symphony as play in the US Open commences Aug. 31. To get you ready for 14 days of tennis bliss, WalletHub put together the following report which explores the tournament’s financial impact, the economics of professional tennis and fun facts related to this year’s event. After all, there’s no shortage of storylines – financial and otherwise – underpinning the 135th iteration of America’s Grand Slam.
  • The 2015 Brickyard 400 By The Numbers

    John S Kiernan
    21 Jul 2015 | 8:53 am
    Posted by: John S Kiernan Held on the hallowed, brick-laden ground of Indianapolis Motor Speedway each July, the Brickyard 400 has long been one of NASCAR’s most-watched races. It’s an event with cherished traditions, like the post-race kissing of the bricks, and a healthy dose of intrigue – with Jeff Gordon gunning for his sixth Brickyard crown this year and Jimmie Johnson looking for his fifth in a decade. And while there have been no fatalities during the Brickyard’s 20-year history – compared to 18 during the Indy 500 race – risk is an ever-present companion when you’re…
  • Why Is Movie Theater Popcorn So Expensive?

    Unknown
    26 Jun 2015 | 9:38 am
    Posted by: Unknown The pricing of movie theater snacks isn’t just a function of a captive audience. To better understand why popcorn at movie theaters costs so much these days, it helps to remember back 40 years to the summer of 1975 and the release of Steven Spielberg’s “Jaws.” Aside from being a great film that largely established the summer blockbuster, it also changed the film distribution industry in other ways. When “Jaws” was released on June 20, 1975, it opened on 409 screens across the country. This was a big opening for that period and it established a trend, whereas it…
  • 2015’s Best Wedding Blogs

    Matei Nicolae
    25 Jun 2015 | 8:50 am
    Posted by: Matei Nicolae While certainly joyous occasions, weddings also come at a great expense. The average wedding costs around $31,200, all things considered – an increase of 16% since 2010, despite guest lists shrinking 4%. Reports have also shown that 53% of couples spend 10-plus hours each week planning their weddings, while brides contribute an average of 36 complete days to the same task. On the other hand, hiring a wedding planner will cost you roughly 15% of your total budget. It’s therefore no surprise that brides, grooms and their families have countless questions about the…
  • How To Travel The World & Change It At The Same Time

    Unknown
    11 Jun 2015 | 8:39 am
    Posted by: Unknown We are now more connected than ever, and travel has become more accessible and affordable for many. Enhancements in technology allow us to reach someone on the other side of the globe in seconds and advances in air travel allow us to travel to destinations that only explorers could reach in earlier times. We now have over 1 billion international travelers yearly and that number is expected to double by 2030, according to statistics from the World Tourism Organization. The number of U.S. passport holders continues to rise as well, having already skyrocketed from 9% of…
 
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    Everyday Financial Strategies

  • 5 Strategies to Simplify Your Personal Finances

    Robert
    25 Aug 2015 | 5:00 am
    Keep it simple stupid. That is my philosophy with my personal finances. It has served me well over several years. There are strategies you can implement to make this happen. By David Martyn Hunt There are thousands of financial tools and financial products that insurance agents or so-called “financial advisors” try to sell you that sound complicated and sophisticated. I believe we tend to gravitate towards these strategies because they sound fancy. That is what we think rich people do. We then tend to over complicate our personal finances. Trying to be the best stock picker,…
  • First Step Before Buying an Insurance: Assess Financial Risk

    Robert
    17 Aug 2015 | 2:00 pm
    Have you ever bought an insurance policy that you didn’t understand? Did the sales agent discuss what the financial risk would be if you chose not to buy their product? photo credit: woodleywonderworks via photopin cc I have done this, guilty as charged. In 2001, I purchased a term life insurance policy from Primerica. The salesperson was extremely aggressive, in fact tenacious. I was sold on the fact that I would be leaving money to family when I die. Not a bad thought, right? This turned out to be a bad product for ME in more ways than one. First, it was overpriced compared to other…
  • Don’t let personal finance become public finance

    Robert
    10 Aug 2015 | 6:15 am
    Personal finance is about how you handle money and if you are not responsible, then it turns into public finance. Let me explain. Personal finance is about how YOU make your money behave. It has little to do with math. If you make the perfect budget using math but don’t stick to it, then you have not made your money behave. On the other hand, public finance is money being managed or handled by the public. The public could be anyone other than you. That would include businesses, government, friends, and family members. The concept is very simple. Being responsible and managing your resources…
  • Saving Money: 3 Reasons to Make it a Priority NOW

    Robert
    3 Aug 2015 | 3:00 am
    We all know we are supposed to be saving money (most of us). But how come we don’t actually do it? Do we forget? Is it something we put off for another day? photo credit: Tax Credits via photopin cc Priorities is why we don’t save money in today’s world. When I began to think about writing a post about saving money, I researched the topic’s relevance in Google. What I found was that the popularity of the word “saving money” had a dramatic increase between 2008 and 2009 and then headed on a downward slope into 2013. The reason is because of the recession.
  • If you don’t track your budget, what is the point in having one?

    Robert
    27 Jul 2015 | 3:35 am
    For many people, the task of creating a household budget can feel daunting. However, the biggest challenge is to maintain it. If you don’t track your budget, then what is the point? A budget is your financial roadmap. It provides direction on how to spend your money. It is no different from any other plan. For example, if you’re trying to lose weight, how else would you know if you are making progress unless you weigh yourself?  The scale is your tracking tool. Despite what some may think, the household budget or monthly cash flow plan is the most important building block in your…
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    Modest Money

  • To Buy or To Build: A First-Time Homeowner’s Guide

    Adam
    28 Aug 2015 | 2:15 pm
    There are a lot of people buying homes out there, many of whom are trying to become homeowners for the first time. With the 2008 financial crisis still close in the rearview (and perhaps a new one brewing), it’s a buyer’s market for houses in many parts of the world. But many of these are old homes, which weren’t constructed to meet all of our modern day needs and lifestyles. So, new buyers are faced with the question: should I build or should I buy? It’s a complicated consideration, one with many factors to look at. Here are the main points. To Build Building a house lets you be sure…
  • When is the Best Time to Sell Your Home?

    Adam
    27 Aug 2015 | 6:15 am
    Timing is everything when it comes to selling your home. The value of your property and number of potential buyers seeking a new house can fluctuate depending on what time of the year a house is listed. Here are some of the seasonal trends that encourage and deter potential property hunters from buying a new home. Spring Spring is traditionally considered the best time to sell a home. Properties tend to look their best during the spring months and so it is the perfect time to showcase a home to potential buyers. The longer hours of sun provide plenty of natural light and gardens are often in…
  • Will You Receive Approval On Your Next Loan?

    Adam
    26 Aug 2015 | 6:15 am
    Regardless of how grand your real estate aspirations are, you will never be able to realize them without the proper financing to back them up. There is no other way around it; financing is the backbone of today’s real estate landscape. Those with access to money will find that things tend to fall into place. However, those unable to acquire funding will find themselves in a desperate position. In reality, funding is readily available to those who know where to find it, but not everyone qualifies for it. While the process is slightly longer than it has been in the past, the criteria are…
  • Taking the Fear Out of First Time Home Buying (Infographic)

    Adam
    25 Aug 2015 | 6:15 am
    I love owning a home. But I hated buying it. The first time you buy your home will be stressful and hectic, there’s no two ways about it. Some people get halfway through and quit, the natural demands of the process combined with worries about taking on the responsibility. I’m not here to diminish any of this. What I will say is that understanding what is to come really helps. Talk to people you know who have gone through it and come out on the other side. See what parts of the process they were happy with, what they wish they could’ve done better. And do your own research. Below,…
  • The Pros and Cons of Owning a Franchise

    Adam
    24 Aug 2015 | 11:26 am
    For many people, purchasing a franchise seems like an excellent way to get started in business, and while a franchise can certainly be a great way to get started for many people, it’s important to consider all of the advantages and disadvantages before making a final decision to purchase a franchise. The most obvious benefit of being part of a franchise is you have access to a selection of operating processes that have already been proven to work. These can include automated financial reporting processes, such as those provided at qvinci.com which make financial reporting far more simple…
 
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    Save Invest Give

  • Flow

    S. B.
    8 Aug 2015 | 2:07 pm
    "Toledo was just another good stop along the good king's highway..." - Yes, Our SongOf the thousands of rock lyrics that have been quoted over the years, this may be the very first mention of the above line from the progressive rock band Yes.  While not to be confused with great poetry, there is nonetheless a hidden gem here.  Do you know why Toledo is called out?Toledo is mentioned because on a previous tour, the band played a concert there in an arena where the temperature inside reached 126 F, and probably even hotter on stage.  But far from complaining, the band merely…
  • Investment Critics

    S. B.
    24 Jul 2015 | 9:19 am
    "The person who says it can't be done should not interrupt the person doing it." - UnknownOne of the more enduring criticisms of this blog has concerned the active management of my investments. There has always been no shortage of people telling me I'm a complete idiot for failing to passively index everything. Over the years, I never responded to any of these critiques. In a way, they rather amused me, as I'm nearly certain that I've read far more EMH literature than all my negative commenters combined. I know very well what efficiency is and what it is not. But still, throughout life…
  • Asking the Right Questions

    S. B.
    22 Jul 2015 | 5:04 am
    "We thought that we had the answers.  It was the questions we had wrong." - BonoMore than 8 years ago, the very first sentence of the very first post of this blog began with a warning from Aristotle: "Those who wish to succeed must ask the right preliminary questions."Nowhere is this failure to ask meaningful questions seemingly more evident than when discussing net worth.  Several of the big personal finance blogs have series where they profile high net worth readers.  Each article in the series features a different person, complete with a little personal background and…
  • The Future of This Blog

    S. B.
    11 Jul 2015 | 2:08 pm
    In order for me to feel good about keeping this blog around for a little while longer, it needs to undergo a few radical changes.  I've always disliked the fact that since the very beginning of this blog, most people only visit as a "drive-by" to check out my net worth. I've decided to stop enabling that sort of behavior by simply dismantling the net worth, portfolio, and progress parts of this site.  Yes, my net worth is over two million now, and that's the last I intend to ever say about it on this blog.The other major change is that from here on out, comments are…
  • Financial Literacy

    S. B.
    11 Jun 2015 | 5:23 am
    April was proclaimed as National Financial Literacy Month in the United States.  During that month, a top 5 financial magazine ran an article by a self-described "financial educator" who tried to argue that the real problem was not actually financial literacy, but rather "financial unawareness".  The article stated that most personal finance issues involve only overextension, self-deception, and lack of motivation, not lack of knowledge.  In an attempt to downplay the need for basic financial knowledge, the author made the following statement:"If you can write a check,…
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    The Truth About Credit Cards.com

  • 100k Amex Platinum Offer Seen in the Wild

    Colin Robertson
    27 Aug 2015 | 2:31 pm
    Every once in a while, American Express offers an unbeatable 100,000 Membership Rewards points sign-up bonus via their Platinum Card. I say unbeatable because it’s the highest sign-up bonus for the lowest amount of spend you’ll come across, even if it does come with a $450 annual fee. Typically, they only offer 40,000 MR points [&hellip
  • New Credit Card Offers 0% APR for 40 Months!

    Colin Robertson
    25 Aug 2015 | 2:24 pm
    Credit card issuers are constantly attempting to outdo one another, especially in United Kingdom on the 0% APR front. But I’ve never seen something like this…for a limited time, Virgin Money is offering 0% APR on balance transfers for a staggering 40 months. Yes, you read that right. An entire 40 months! That’s nearly four [&hellip
  • Collar Stay Punch Puts Your Old Credit Cards to Good Use

    Colin Robertson
    20 Aug 2015 | 3:51 pm
    It’s been some time since I’ve written about a credit card gadget, so without further ado, I present to you the “Collar Stay Punch.” This is actually more a device that makes use of old credit cards than it is a credit card gadget, but it’s still really cool and useful, especially if you work [&hellip
  • Get $20 a Year for Good Grades via the Discover it Student Credit Card

    Colin Robertson
    18 Aug 2015 | 12:55 pm
    If you’re a good student in need of a credit card, you can get awarded simply for maintaining a solid GPA. It’s part of the new “Good Grades Reward” promotion from Discover, which gives students a $20 Cashback Bonus for each school year in which they maintain a GPA of 3.0 or higher. The $20 [&hellip
  • Sign Up for That Frequent Flyer Program for Free Seat Upgrades

    Colin Robertson
    17 Aug 2015 | 11:49 am
    So you’ve accrued your credit card points and now plan to transfer them to a certain airline to get a free trip. Sounds great! Though maybe you don’t want to use ALL your miles to book a first or business class flight, but still want the possibility of getting upgraded. This is a pretty common [&hellip
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    Moneycation

  • Five essentials in a small-business plan

    A.W. Berry
    27 Aug 2015 | 6:23 pm
    Following a plan when starting and growing your own small business is crucial to its ultimate success. Today, we would like to take a little time to share some smart tips, tools and ideas to help get your business where you want it... and to keep it in great shape for years to follow, once it’s up and running strong.1. Manage cash wiselyYour cash coming in and out is like the heartbeat of your company. Therefore, of course, you need to constantly be monitoring it, and actively looking for ways to save or improve on your current system.This will help you identify all of your running costs…
  • Risk management and reinsurance

    A.W. Berry
    21 Aug 2015 | 8:49 am
    By Flaviu MirciaWhat is reinsurance?Just like you need insurance for your home in case of fire or flooding from an insurance company, the same goes for your insurer. Insurance companies need an insurer of their own. Reinsurance is insurance purchased by an insurance company from other, larger companies, known as reinsurers. The reinsurance details are regulated and conditioned by a reinsurance agreement between both parties.A reinsurance company helps ensure that insurance companies remain financially viable (solvent) even in the case of major disasters or catastrophic scenarios. After…
  • Problems to overcome when building in the colder months

    A.W. Berry
    14 Aug 2015 | 7:38 pm
    By Ken UhrichThere was a time when trying to build a home in the winter was not only ill advised, it was impossible. Most homebuilders simply shut down during the winter months, preferring to wait till the spring time. While this isn’t the case, there are still some issues that you might run into when deciding to build a home over the winter months. Breaking ground- With colder months comes harder ground. Breaking frozen ground to lay the foundation can be more difficult than when the ground is thawed. However, with the right construction equipment this isn’t as much of an issue as it was…
  • From basement to skyscraper: Clever tips for finding a new HQ

    A.W. Berry
    3 Aug 2015 | 7:50 pm
    Moving a business is not like moving a house, you don’t get to have the pleasure of sorting through old yearbooks or the joy of setting up your new living room-- commercial real estate comes with a whole new set of rules, tax codes and protocols. However, finding the perfect place to build your empire can also help take your business goals and ambitions to the next level. 1. How to order the perfect brick and mortarWhen it’s time to move from your garage or basement into a commercial or office space, or it’s time to upgrade, one of the first issues that springs up is whether to lease or…
  • 8 SEO tips for e-commerce entrepreneurs

    A.W. Berry
    3 Aug 2015 | 7:37 pm
    By Michelle Rubio Search engine optimization or SEO is an important component of any business’ internet marketing strategy. Along with content marketing and web design, SEO is one of the crucial parts of digital marketing success, especially for e-commerce websites.E-commerce websites depend on SEO for online visibility. Without online visibility from search engine results from Google, Yahoo, or Bing, web traffic could be reduced by as much as 50 to 90 percent. Search engines are a trusted source of website traffic and these are the primary means of visibility on the internet. Without…
 
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    LCF on Personal Finance

  • The only Definitive 5 point Guide you need in the recent market decline

    ChingFoo Lieu
    25 Aug 2015 | 9:26 pm
    So I am not going to tell you what happen. If you are here, then you are already a savvy investor and should have known what happened. If not, then this time-sensitive article is not for you. And I tell you this, what paper losses you and I may suffer in our investment portfolio is nothing compared to the below. Monday’s steep drop in China hit the portfolios of the world’s richest people hard. It spread to the West’s wealthiest, too. Microsoft founder Bill Gates lost $3.2 billion, and Amazon CEO Jeff Bezos saw $2.6 billion wiped from his wealth. Investor Warren Buffett lost $2.6…
  • Personal finance humor from London for Malaysian – Ahmad & Singh

    ChingFoo Lieu
    20 Aug 2015 | 9:31 pm
    These are the recent personal finance humor being told to me recently and I want to share it with you, in case you haven’t heard it before or didn’t see it in your Facebook timeline. The Red Light District Story Ahmad is a young Malaysian tourist on his first visit to London. He locates the red light district on the edge of SOHO and enters a large brothel. The madam asks him to be seated and sends over a young lady to entertain him. They sit and talk, laugh a little, drink a bit, and she sits on his lap. He whispers in her ear, whereupon she gasps and runs away. Seeing this, the…
  • 4 Questions to ask yourself if you are living in Financial Integrity

    ChingFoo Lieu
    9 Aug 2015 | 3:12 am
    Financial Integrity is defined as day-to-day actions which are aligned with your personal financial goals, on top of the general money principles that lead to wealth. You live in financial integrity when you actually do what you know you should do to honor your value for financial security. You’re out of financial integrity when you don’t. Look at these 4 common examples below where people are commonly out of financial integrity… You are aware that wealth accumulation is achieved by spending less than you earn, but you have zero surplus or worse, in deficit every month You are aware…
  • 10 things you don’t have to worry (much) when you are not rich & famous

    ChingFoo Lieu
    29 Jul 2015 | 7:39 pm
    The majority of the population have to manage, in some form or another,  the struggles of living with financial issues. The other part of the population who are very well off, seems to have no financial-related worries, but is this true? If they were ever to talk about their problems, they’re usually labeled as “first world problems.” The rich and famous do suffer from legitimate problems like “normal” people. As the old saying goes, being rich doesn’t mean all your worries and problems will go away. Money doesn’t buy happiness after all, right?  Below are the first world…
  • 166 KLSE stocks counters you want to stay away from

    ChingFoo Lieu
    15 Jul 2015 | 11:57 pm
    It is common sense not to invest in stocks or warrants of PN17 or GN3 companies unless you want to increase the odds of losing your hard-earned money – which in that case, going to Genting probably gives you more thrill. Apart from that, it is equally prudent to not invest into companies with one or more of the criteria below. Balanced sheet shows too high leveraged (net gearing > 150%) Operating losses for 3 consecutive years (3 Years Negative Earnings Before Interest and Tax) Low return on equity (5-Years Average ROE < 3%). Some counters I could relate to are XOX (a really…
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    Money Soldiers

  • Investment Myths Debunked

    Arnel Ariate
    27 Aug 2015 | 9:58 pm
    When planning investments, it is understandable that you would want to make sure your money is going into sure things.  The worst thing you can do is to throw cash at a business, watch it fail and find yourself short thousands of dollars.  However, those doing their research online may find themselves falling prey to […]Investment Myths Debunked is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Household Must-Haves: Steps for Saving Big Money on Major Appliances

    Arnel Ariate
    20 Aug 2015 | 7:30 am
    Major appliances are a large part of home convenience.  It’s so much easier to throw dishes in a washer rather than clean them by hand; a washing machine is quicker than going to a Laundromat; and, blenders conveniently chop, puree, and combine food for preparation.  However, if you haven’t noticed, the price of major appliances […]Household Must-Haves: Steps for Saving Big Money on Major Appliances is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • The Frugal Mover: Relocating Without Draining Your Wallet

    Arnel Ariate
    17 Aug 2015 | 6:44 am
    Moving can be expensive, but there are many simple ways for you to clip costs without sacrificing your needs.  Here are just a few ways you can make it happen.   Make an Inventory A lot of people don’t do this, but they should.  Making an inventory helps you take stock of what you have. […]The Frugal Mover: Relocating Without Draining Your Wallet is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Pros and Cons of Using a Mortgage Broker in Edmonton

    Arnel Ariate
    17 Aug 2015 | 6:11 am
    When you begin shopping for a mortgage there are many people who will enlist the services of a mortgage broker in Edmonton.  However, with recent issues in the economy, there are many people who now scrutinize if these individuals are working for their customer’s best interests.  When you work with a competent and experienced mortgage […]Pros and Cons of Using a Mortgage Broker in Edmonton is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • What are Equity Mutual Funds?

    Arnel Ariate
    14 Aug 2015 | 7:38 pm
    Equity mutual funds are really nothing more than stock funds which are when an individual invests money in stocks or equities instead of money or bond funds.  In the majority of cases, it involves a stock with a small amount of cash and nothing to do with bonds, notes, or securities.  The main goal is […]What are Equity Mutual Funds? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • An Offer for You: A Free, Comprehensive, Online Financial Plan

    Jason Hull, CFP®
    27 Aug 2015 | 6:00 am
    The bottom line up front: I’m part of a team that is launching a new, online, comprehensive financial planning service. You can sign up and get a plan for free at http://www.myfinancialanswers.com by entering in your e-mail address and getting started. We are only offering this free, 60 day trial to the first 1,000 users […] Related posts: Why Should I Pay for Financial Advice When There’s All This Free Information Out There? How Much Should a Financial Planner Cost? Should You Focus on Time or Money in Your Financial Plan?
  • Six Areas Where I Disagree with Dave Ramsey’s Investing and Retirement Withdrawal Advice

    Jason Hull, CFP®
    26 Aug 2015 | 1:28 pm
    “A good financial planner is going to do more than pick your funds.” –Dave Ramsey Very recently, personal finance guru Dave Ramsey engaged in a heated discussion on Twitter with several financial planners regarding the appropriateness of his investment and retirement withdrawal advice. The questions were (and are) very legitimate ones, namely: Why does Dave […] Related posts: Is 4% the Correct Safe Withdrawal Rate at Retirement? The Transition from Mass Advice to Personal Advice Peak to Peak Investing, or I’m Afraid I’m Investing at the Top!
  • USAA – The Not So Good

    Jason Hull, CFP®
    26 Aug 2015 | 6:00 am
    “It is easier to forgive an enemy than to forgive a friend.” –William Blake This is part three of a three part series on USAA. You can read the first part here and the second part here. Disclosure: USAA flew me to San Antonio for a three day conference from November 6-8, 2013, put me […] Related posts: USAA – The Good Are You Eligible for USAA Membership? The Moving Checklist
  • Five Things to Do If You Just Lost a Lot of Money

    Jason Hull, CFP®
    26 Aug 2015 | 3:56 am
    “I’m so poor I can’t even pay attention.” –Ron Kittle Continues Below Get a comprehensive financial plan now! Almost everyone has to deal with loss at some point. Whether it’s the loss of a loved one or the loss of a dream, we are faced with the ripping away of something which we held dear […] Related posts: Thanks for Saving More Money! What’s the One Money Question You Wish Someone Would Answer for You? Do You Have Too Much Money In Fixed Income?
  • How Much Should a Financial Planner Cost?

    Jason Hull, CFP®
    26 Aug 2015 | 3:49 am
    “Not everything that counts can be counted; and not everything that can be counted counts.” –Albert Einstein “Spending can be investing – if you spend on the right things and really use them.” —Ramit Sethi How are financial planners like vacation timeshare salespeople? Read on and you’ll find out plus you’ll learn how to actually […] Related posts: The Four Questions You Should Ask BEFORE Hiring a Financial Planner Do You Really Need a Financial Planner? Does Your Financial Planner Really Need to be Local?
 
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    Listen Money Matters

  • Financial Infidelity

    Candice Elliott
    27 Aug 2015 | 3:00 am
      In the wake of the Ashley Madison hack, we explore another kind of infidelity, financial infidelity, which can be just as devastating as sexual infidelity. I hope none of you found your partner’s name on the list of cheating website Ashley Madison’s clients or were on the list yourselves. Unless you’re a moralizing Duggar. Then I’m glad you got stone cold busted. But sexually infidelity isn’t the only type of infidelity that can destroy a relationship. What Is Financial Infidelity? Plainly defined, it’s doing things with finances that you keep a…
  • Thomas Buys A Car: An Addendum

    Andrew Fiebert
    26 Aug 2015 | 3:00 am
    You spoke and we listened. Here’s some much needed clarification on the episode where we discuss Thomas’ recent car purchase. Who knew that Thomas was so controversial. The post Thomas Buys A Car: An Addendum appeared first on Listen Money Matters.
  • When Medical Bills Attack

    Daniel Murrell
    25 Aug 2015 | 3:00 am
      Medical bills can destroy your finances. I’ll tell you how they almost ruined mine after a motorcycle accident and how I’m fighting my way back. Medical bills are the number one cause of bankruptcy in the US, the cause of three out of five filings. More than 20% of Americans struggle with medical bills. Injuries are something that can’t always be predicted or avoided. This is the story of what happened to me when I suffered a motorcycle accident. Before The Accident I was on an early episode of Listen Money Matters, This Financial Life about a year ago. I detailed…
  • Thomas Breaks Down How to Buy a Car

    Candice Elliott
    24 Aug 2015 | 3:00 am
      Thomas has debt! He bought a car. Not a new car of course but having recently gone through the process, he’ll share what he learned. Thomas went from a “It gets me from A to B” car person to a person who really likes cars and wants a nice, fast, shiny one. He didn’t buy a car he couldn’t afford of course. He still has plenty of money to pay his living expenses and to invest $2,000 a month. You don’t always have to go with the cheapest option as long as you can say the same. Know what you want and do your research before you walk into a dealership.
  • How To Pay Off Debt On A Low Income

    Candice Elliott
    20 Aug 2015 | 3:00 am
    Not all of us are making six figures. Luckily for us, we don’t have to make big money to pay off debt. How can we pay off debt on a low income? At LMM we tell you that your debt is an emergency. And like any emergency, the longer you wait to deal with it, the worse it gets. So you might be waiting for the next big raise, the next new job, the winning lottery numbers to help you tackle it. But what if those things are slow in coming, or in the case of the lottery numbers, never come? Don’t let the emergency get worse. You don’t have to be making big money, or even more than…
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    Equifax Finance Blog

  • Should I or Shouldn’t I: When to Tap Your Emergency Fund

    Diane Moogalian
    30 Aug 2015 | 7:00 am
    When you’re facing a large, unexpected expense and you have an emergency fund set aside, you might wonder: Should you dip into your savings or pay with a credit card? The right choice likely depends on a few things, including: how much you have in your emergency savings account and the interest rate and rewards of your credit card accounts. But first you need to determine if the surprise expense qualifies as an emergency in the first place. What’s an emergency fund really supposed to cover? An emergency fund helps you pay for unexpected costs that may throw off your monthly budget. It’s…
  • Tips for Calculating What You Might Owe in Taxes

    Eva Rosenberg
    30 Aug 2015 | 5:00 am
    The very best way to project your tax liability is to work with a tax professional who uses professional tax tools. So, the first tip to calculating what you owe is to establish a relationship with a tax preparer that you see at least once a year for a consultation. Even if you prepare your own tax return, you may want to consult with someone in the middle of the year to do some planning and revise your withholding. How can you find the right tax professional? You can find qualified tax pros in large firms, small firms, and even in store-front firms. Just ask the right questions to make sure…
  • Renting a Car with a Debit Card Could Affect Your Credit Report

    Diane Moogalian
    29 Aug 2015 | 8:00 am
    When you are on vacation, you may choose to rent a car with your debit card to stay within your travel budget or to avoid maxing out your credit card—or you may do so simply because you’re used to paying this way. You probably know that using a credit card may impact your credit score, but there’s a little-known warning you should heed: In some situations, using your debit card may also impact your credit score or credit report. This may sound somewhat contradictory because using your debit card is basically the same as paying in cash, but it’s becoming a mainstream policy for car…
  • What to Know About Identity Theft When Buying or Selling Your Home

    Michelle Stoffel Huffman
    29 Aug 2015 | 5:00 am
    When buying or selling a home, you may find that you are sharing more sensitive personal information than at any other time in your life. Aside from Social Security numbers and addresses, which are key pieces of information that an identity thief needs, you’re also handing out detailed financial statements, work history, tax information, a driver’s license, and your address history. It’s an overwhelming amount of personal information to give to someone you’ve probably just met. “The mortgage application process and real estate transactions pose great identity theft risks,” says…
  • Life Insurance vs. Disability Insurance: Do You Need Both?

    Equifax Reporter
    28 Aug 2015 | 7:00 am
    Life insurance and disability insurance are both important types of insurance to consider, especially if you have family members who depend on your earnings. Consumers might want to consider weighing these two different forms of insurance to determine if they want to purchase just one or if the benefits to getting both outweigh the costs. It’s important to realistically assess your personal circumstances and future plans to find appropriate coverage. What is life insurance? Life insurance refers to an agreement with an insurance company where, in exchange for regular payments, the insurer…
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    The Simple Money Blog

  • Every day tips: this week’s decisions

    Kirby
    10 Aug 2015 | 4:30 am
    KJ: We wanted to continue to share with our fellow readers (similar to our post a few weeks back, on every day savings tips) some of the decisions we make on a regular basis that help us save money. We … Continue reading →
  • Sometimes you do things you hate

    Angela
    20 Jul 2015 | 4:30 am
    AJ: There’s a lot of stuff I’d just rather not deal with that impact our financial well-being. I’m classifying this as “stuff I hate.” I’m not kidding when I use the h-word, I sincerely loathe dealing with these things, however, … Continue reading →
  • Every day tips: this week’s decisions

    Angela
    6 Jul 2015 | 4:30 am
    AJ: This post is a new approach we’re taking wherein we plan to share more day-to-day specifics of anything from the week on where we saved or how we saved to hopefully spark some ideas from you all for what … Continue reading →
  • July 4th means big savings!

    Angela
    29 Jun 2015 | 4:30 am
    AJ: I’m such a fan of holidays I can’t even tell you. What’s not to like about an extra day off, getting to celebrate and remember our history and MAJOR SALES!? Despite our best efforts to be in lock down … Continue reading →
  • Is there such a thing as the “right” job?

    Angela
    22 Jun 2015 | 4:30 am
    AJ:Choices, choices, choices! I love Mike Rowe. If you’re not following him on Facebook and keeping up with his musings, then you’re missing out. We always say he’s the hardest working man in the entertainment industry but beyond that he’s … Continue reading →
 
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    My Money Design

  • My Money Design Turns 4!  Plus Tips on Building a Better Blog

    MMD
    16 Aug 2015 | 10:00 pm
    Can you believe it?  The day is finally here that this blog turns 4 years old! It wasn’t all that long ago that I was all pumped up after reading ProBlogger and decided to spend a whooping $58 to start this little blog.  All I wanted at the time was to get a few of my ideas about money out there in the world for other people to check out and talk about. Now, almost 450 posts later, here we are! No matter what your traffic numbers or stats are, there’s always something to learn when it comes to building a better blog.  Most blogs fail in their first year, and somehow this one has kept…
  • How to Use the Power of Customer Retention to Lower Your Bills

    MMD
    10 Aug 2015 | 2:00 am
    Me: So I get to add an extra line, get a brand new iPhone 6, and my monthly bill is going to be exactly the same? Sales Rep: Yes. Me: You’re sure?  It’s not going to go up after a month or two? Sales Rep: Correct. Me: And we’re not getting any less service at this price? Sales Rep: Right.  Oh, there is one thing …  you’re also going to get this new Samsung tablet as part of the package.  That’s already included in the price I quoted you.   Shopping Around for a Cell Phone: That exchange of words above is exactly what happened just a few months ago when I started shopping…
  • Niche Website Income Report 32 – $1,172 for July 2015

    MMD
    3 Aug 2015 | 2:00 am
    Hello and welcome to the July edition of my niche website update and income report. Every month I like to share with you what’s new with my website-building efforts and where the business is going.   It’s been one of my favorite ways to build passive income because the more I find success the more income I stand to bring in every month.  My hope is that you’ll be able to take some of these tricks and use them for your own good; whether it be for a new blog or any other entrepreneurial effort. July was a busy time for me with the release of my new ebook plus a lot of other big news…
  • What If You Stopped Saving Money for Retirement?

    MMD
    26 Jul 2015 | 11:00 pm
    Here’s a fun little game to try on yourself and see how your finances are coming along. (… Depending on the answer, it might also make you feel really good about your savings efforts so far!) Suppose you were suddenly let go from your job.  You find a new place to work, but it doesn’t pay as well. So in order to maintain your standard of living you decide you’re going to cut corners and completely STOP saving money for retirement. The big question: Would you still be able to comfortably retire when you want to?   My Answer … (… Kind of a funny question to ask on a…
  • Cancer Update – The Battle is Won!

    MMD
    25 Jul 2015 | 2:00 am
    I have some very exciting news to share … As of my last PET scan, my cancerous tumor is gone! Finally!  My cancer is in remission! Last Thursday was also my last treatment of chemotherapy.  Even though I’m thankful the infusions got rid of my cancer, I am SO glad for that whole process to finally be over! From here on out it’s going to be CT scans every 6 months for the next 5 years.  As you can bet, I’ll have my fingers and toes crossed every single time that I get nothing but good news.   Cancer Really is a Silent Killer: Throughout this whole experience cancer has been a…
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    The Quizzle Wire

  • Tips for getting a good deal on a car loan

    Miranda Marquit
    27 Aug 2015 | 6:00 am
    Shopping for a car loan is not always the most fun thing you can do. At every turn, it feels as though someone is trying to badger you into a higher interest rate or a longer loan term. Before you head to the car lot, here are some tips to help you get a better deal on your car loan: Build good credit One of the best things you can do if you want a good deal on any financial transaction is to build good credit. Your good credit score can mean savings of hundreds — or even thousands — of dollars. Start out by visiting a website like Quizzle. A consumer credit site can give you an…
  • How a waiting period can encourage smarter spending choices

    Miranda Marquit
    26 Aug 2015 | 6:00 am
    Since moving across the country, I’ve had to make a few purchases. However, I’m being pickier about the things I buy because I don’t want to end up with a home full of things that I don’t care about. As a result, while some items are definitely “must-buys,” other things have been on a “wait list” while I evaluate whether or not they are necessary to our home. Instituting a waiting period One of the best things you can do for your finances is to institute a waiting period for the things you plan to buy. According to a survey from CreditCards.com, about 75 percent of Americans…
  • Are you cut out to be a landlord?

    Miranda Marquit
    25 Aug 2015 | 6:00 am
    A lot has been written about real estate lately. The idea of making “passive” income with the help of real estate rentals provides a draw for those who want to improve their cash flow. Whether you decide to rent your house out instead of sell it, or whether you want to buy an apartment complex and get tenants for the units, it’s important to figure out if you are cut out to be a landlord. What does it take to be a landlord? Know what it takes to be a landlord before you get started. One of the reasons that i sold my home in Utah at a loss last year is because I already knew I didn’t…
  • The pros and cons of different types of mortgages

    Cathy
    24 Aug 2015 | 6:00 am
    If you’re looking to buy a home, then you’re probably not just shopping for property, but also for a mortgage. But there are so many different types of mortgages out there. Here are some of the most popular loans available, and what you should know about them: Different Lengths The most common mortgage has a length of 30 years. That means that if you make all of your payments in full and on time, with no additional payments, you will pay off the mortgage in 30 years. But you can choose mortgages of different lengths. Shorter mortgages result in higher monthly payments, a paid off…
  • 4 reasons to establish good credit early

    Miranda Marquit
    21 Aug 2015 | 6:00 am
    Finances are an important part of your life. One of the best things you can do for finances is to build good habits early. While you probably know how important it is to live within your means and save up for what you want, the idea of establishing good credit early might not be on your radar. However, establishing good credit early on is an important part of your finances. Here are four reasons to pay attention to your credit, even if you don’t think you need it: Qualify for loans While it’s nice to think that you can live completely debt-free, that might not be feasible for some of your…
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    Credit Card Insider » InsiderCredit Card Insider

  • Chase Freedom Review – Cash Back Reward Credit Card

    Brendan Harkness
    28 Aug 2015 | 4:30 am
    The Chase Freedom® is a very popular rewards credit card, offering 5% cash back in categories that rotate throughout the year. You’ll also enjoy a 0% introductory APR for 15 months, and a $100 signup bonus for spending $500 in the first 3 months. Keep reading for more details on the many benefits you’ll find with […] The post Chase Freedom Review – Cash Back Reward Credit Card appeared first on Credit Card Insider.
  • Q&A Video: Do Credit Cards Have A Maximum Credit Limit?

    John Ulzheimer
    27 Aug 2015 | 9:16 am
    Credit cards come with a credit limit, the maximum amount you’re allowed to spend with the card (until you pay it off). These limits can be as small as $500, but they generally don’t get much higher than $30,000 for those with the best credit reports. Charge cards also have a limit to how much […] The post Q&A Video: Do Credit Cards Have A Maximum Credit Limit? appeared first on Credit Card Insider.
  • Q&A Video: Will I Build Credit Faster With Multiple Credit Cards?

    John Ulzheimer
    24 Aug 2015 | 11:25 am
    Will you build credit more quickly if you get more credit cards? It turns out that credit scoring is not so simple. While having more credit cards will give you more available credit and make it easier to keep a low utilization (improving your credit score), every new credit card you open will lower your […] The post Q&A Video: Will I Build Credit Faster With Multiple Credit Cards? appeared first on Credit Card Insider.
  • Q&A Video: What Will Happen To My Student Credit Card If I Graduate?

    John Ulzheimer
    17 Aug 2015 | 1:21 pm
    Getting a student credit card is a great way for a young person to start building a solid credit history. But what do you do with the card after you graduate? Can you upgrade, or do you need to cancel it? What kind of effect will that have on your credit? Learn the answers to these […] The post Q&A Video: What Will Happen To My Student Credit Card If I Graduate? appeared first on Credit Card Insider.
  • Q&A Video: How Do I Get A Perfect Credit Score?

    John Ulzheimer
    17 Aug 2015 | 8:58 am
    Perfect credit scores sound wonderful – but just how useful are they? It turns out that you won’t really get any benefit from those last few points, because lenders are prepared to offer their best rates to people with lower scores. But, if you are going for perfect but can’t quite get there, it’s probably […] The post Q&A Video: How Do I Get A Perfect Credit Score? appeared first on Credit Card Insider.
 
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    Covenant Trust Company

  • On the recent market correction

    Covenant Trust Company
    24 Aug 2015 | 10:38 am
    Last week, the Dow Jones was down 531 points to 16,460 — a 3.12% drop on Friday alone. Having fallen 10% from its high, it is now in “correction” territory as this is the first meaningful drop in 4 years. The other US stock indices have fallen similarly, as have commodity prices and US Treasury…
  • Legacies and life’s simple pleasures

    Covenant Trust Company
    14 Aug 2015 | 8:30 am
    Last night we had a barbecue at our house with a group of old friends and new. A couple of young families were a part of the fun. The littlest girl of three spent the evening walking around in my high heels while the other kids ran in the backyard and played on the neighbor’s…
  • CTC tips: create an emergency fund

    Covenant Trust Company
    23 Jul 2015 | 10:00 am
    You can’t plan when emergencies happen but you can have a plan for whenever they occur. That plan should include an emergency fund that covers at least three months’ worth of expenses. What kind of expenses are we talking about? Basically any expense that you would need to cover to maintain your health and safety, and…
  • Adjusting to a New Baby

    CTC - Ruser Saldaña
    20 Jul 2015 | 9:45 am
    Two weeks ago, my wife and I welcomed our second child into our family. Our firstborn is three years old now, and I had forgotten how quickly things change upon the birth of a child. For instance: while holding our newborn daughter for the first time, my wife remarked how small she was. A mere hours…
  • Mid-year financial review

    Covenant Trust Company
    1 Jul 2015 | 9:59 am
    Amazingly, it’s already July 1st! With the year halfway over, now is a great time to review your finances for the year. Your financial goals Did you make financial goals at the beginning of the year? If so, how are they progressing so far? If you’re falling behind, don’t worry — you still have plenty of…
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    Debt Consolidation USA

  • 6 Examples How Technology Can Help Personal Finance

    al
    28 Aug 2015 | 1:57 pm
    Everyone to a certain extent practices personal finance management. It is just that there are some people who tends to practice and focus more on it that others. This simply means that managing your money is one of the most important aspects in life and one that will help you either reach your financial dreams […] The post 6 Examples How Technology Can Help Personal Finance appeared first on Debt Consolidation USA.
  • 5 Ideas To Make Better Debt Payments

    al
    26 Aug 2015 | 2:45 am
    Debt payments is not a sexy topic and some people even go to great lengths to dodge the topic especially if they have to discuss it with loved ones. Finances is such a sensitive topic but choosing to sidestep the issues that surrounds your money management can lead to disaster and more importantly, debt in […] The post 5 Ideas To Make Better Debt Payments appeared first on Debt Consolidation USA.
  • 7 Ways To Plan For Travel In Retirement

    al
    23 Aug 2015 | 11:37 pm
    There are a lot of old consumers who are looking forward to travel in retirement and in fact, it is all they can think about as soon as they stop working. It seems that they see this as a great reward for all those years of hard work. They just want to maybe dip their […] The post 7 Ways To Plan For Travel In Retirement appeared first on Debt Consolidation USA.
  • 5 Ways To Start Building Up Your Credit Score

    al
    20 Aug 2015 | 11:34 pm
    One of the best ways to get an overview of your financial standing is to take a look at your credit score. It gives you an idea how you are performing with your financial obligations and if you are meeting your payments on time. You can think of it as your financial barometer so you […] The post 5 Ways To Start Building Up Your Credit Score appeared first on Debt Consolidation USA.
  • 5 Ways To Build Up Your Reserve Funds

    al
    14 Aug 2015 | 3:47 pm
    It is important to have strong reserve funds to be able to have a chance to withstand unforeseen financial emergencies in the future. This combines both your emergency fund and your rainy day fund both of which will help you get through tough times. To make this work, you also need to know how to […] The post 5 Ways To Build Up Your Reserve Funds appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • My Friend Asked for a Loan…Is it a Good Idea?

    Kate Swenson
    26 Aug 2015 | 8:56 am
    We polled our Sense and Centsibility readers and asked if they’ve ever given their adult children money. Out of the 1,507 responses, a whopping 1,400 people said ‘yes’. This isn’t surprising because, in general, parents want to help their children in any way they can. Also, ‘giving money’ could be interpreted in different ways. Some may give to their children just because they can, for a gift, or it could be something more substantial like money to pay for bills on a regular basis or even providing a small loan. Since I don’t have children, I’m going to put a different spin on…
  • What’s All This HARP Talk About?

    Kate Swenson
    11 Aug 2015 | 11:30 am
    Have you ever gotten email telling you that you might qualify for HARP?  I do.  I get them all the time, in fact.  I’ve often wondered why I get them in the first place, since, as a HUD-certified housing counselor, I happen to know that HARP is of zero relevance to me, personally.  But I suppose that answers my question, doesn’t it?  I get those e-mails likely because someone is trying to scam me… Here’s the deal: HARP, itself, is totally legitimate.  It’s actually a great program (if you qualify for it) and can be of great help in easing the financial stress of a mortgage…
  • Don’t Let Debt Keep You Down, Soldier

    Kate Swenson
    5 Aug 2015 | 9:30 am
    Struggling with debt is bad enough–whether you’re a veteran or are about to transition into civilian life–but when you’re actively deployed, it can threaten your job status. Debt can also get in the way of civilian employment opportunities for military spouses, making it difficult to provide the additional income necessary to manage the home front. If you’re among those who feel what they’ve already achieved may be in danger due to their financial issues, there is a place you can turn to for help. 94% of clients that were counseled by us reported an…
  • Can Debt Derail your Retirement Plans?

    Kate Swenson
    4 Aug 2015 | 8:06 am
    The answer is…absolutely.  When thinking about retirement preparation most of us focus on saving.  We think about how much we are saving, how we are investing, and day dream about how to spend our golden years. Unfortunately, not enough time is spent thinking about how the debt we are accruing now can impact our future. Recent studies done by Demos and Harvard University’s Joint Center for Housing Studies (JCHS), show that older Americans are still carrying high levels credit card and mortgage debt into retirement.   Just like high student loan debt can force younger adults to put off…
  • Protecting Yourself From Identity Theft

    Kate Swenson
    22 Jul 2015 | 7:00 am
    Identity theft can happen when someone gets access to your personal information, like your name or social security number. If you are like me you just want to know what you can do to protect yourself. Simple as that. The key is to be conscious of HOW identity theft happens. Common ways include: Stolen wallet or credit cards-Your cards don’t have to ACTUALLY be stolen to do this. Think more borrowed. I just watched a movie where servers at restaurants were swiping card information while running your card to pay for the bill. The card was never actually stolen. Just borrowed. Documents…
 
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    Well Kept Wallet

  • WKW 66: Should You Always Use the Debt Snowball Method?

    Deacon Hayes
    28 Aug 2015 | 8:50 am
    Someone writes in and asks which debt that should pay off first and I answer her question in a way that may shock you. Highlights from this episode How the Debt Snowball method helped us pay off $52,000 in debt in 18 months I respond to a lady who writes in and will soon have […]
  • How to Sell Your Car on Craigslist

    Laurie Blank
    25 Aug 2015 | 3:30 am
    Selling your car on Craigslist is a great way to make fast money, provided you sell it using the following valuable tips. Cars generally sell pretty quickly on Craigslist when they’re listed properly, in my experience. Getting top dollar for your car and selling it quickly is all about prepping your vehicle well and marketing […]
  • WKW 65: How Chess Can Make You Better at Investing with Doug Goldstein

    Deacon Hayes
    21 Aug 2015 | 1:57 pm
    Doug Goldstein is a Certified Financial Planner and the author of Rich As A King: How the Wisdom of Chess Can Make You a Grandmaster of Investing. Highlights from this interview How he became a licensed financial professional both in the U.S. and Israel What a grand-master is, for those who are not to familiar with […]
  • $40,000 in Debt Gone and A New Purpose in Life

    Deacon Hayes
    19 Aug 2015 | 3:30 am
    Hey, friends! Today we share the debt payoff story of Mark and Lauren Greutman. Mark and Lauren now spend their time helping other people dump their debt so that they can start living a value-based life.  Tell us a bit about yourself. Lauren and I have been married for 13 years and have 4 kids. […]
  • WKW 64: The New Direction of the Well Kept Wallet Podcast

    Deacon Hayes
    14 Aug 2015 | 6:00 am
    Transcript: Hey everyone this is Deacon Hayes, I’m just checking in with you. It has been a while since I’ve done a podcast. For those of you that don’t know, my wife and I had our first kid this year, his name is Finn. he’s going on seven months, so he’s getting big, started crawling […]
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    Debt RoundUp

  • How to Check the Real Savings on Amazon Gold Box Deals

    Grayson Bell
    27 Aug 2015 | 3:04 am
    Have you ever heard of Amazon gold box? Well, if you haven’t, then make sure to check it out here. Basically, Amazon gold box is their daily deal offerings across all of their categories. These are daily deals, lightening deals, and just plain savings. It even includes their coupons, which you can instantly clip. Amazon tends to highlight two specials for their “daily deals” section at the top of the gold box. They will then highlight a number of lightening deals, which go away after the time has expired or the quantity is gone. Now, since I’m a fan of Amazon and a…
  • Building a Backyard Garden? Don’t Forget About These Expenses

    Mike Collins
    26 Aug 2015 | 3:02 am
    In the three years we’ve owned our house my wife and I have had some good success growing tomatoes, peppers, basil, and chives in small planter pots.  But I’ve always felt using the pots limited what we can grow, so for next year I’m thinking about building a raised garden bed which will give us much more room to plant a wider variety of vegetables. We have plenty of room for a garden on the side of our house and that side gets plenty of sun so it is a natural choice.  The problem is, when I start to add up the potential costs involved in actually building the garden, I’m not quite…
  • Top 3 Reasons You Should Be Investing Now For The Long-Term

    Grayson Bell
    25 Aug 2015 | 6:50 am
    Since the stock market took a dramatic drop yesterday and even last week, I think it’s time to start talking about investing for the long term. When the market is down, I buy more stocks! There are bargains to be had and my Betterment account was getting filled over this past week. Here is a post from my good friend John, from Frugal Rules and Best Discount Brokerages. Hear him out. He used to work in the investment sector! It’s pretty common knowledge that investing in your 401(k), IRA, and private investment account should be a fundamental part of your financial and retirement…
  • What I’ve Learned In 3 Years Blogging About Personal Finance

    Grayson Bell
    24 Aug 2015 | 3:03 am
    This past Saturday marked three years since I started this blog. It’s Debt Roundup’s third anniversary, but it feels much longer than that. It’s probably because I’ve been blogging for eleven years, just not on here. Either way, I’m really happy to reach this mark and even more excited about what the next year will bring. Each year has been better and better on here, so who knows what will happen. I’m just glad to be along for the ride. I hope you are as well! I can honest say that blogging isn’t all rainbows and butterflies. It takes a lot of effort…
  • The Online Shopping Checklist – What You Should Do Before You Checkout

    Grayson Bell
    22 Aug 2015 | 8:03 am
    If you haven’t noticed, online shopping is huge! When I say huge, I mean the global e-commerce sales is $1.4 Trillion (with a T) and growing. Talk about some potential there. People all around the world are buying more than ever online and the reason it convenience and information. We can find products we need with a few clicks of the mouse and then can make sure we are getting the best deal possible. The information on the web has provided us all of these luxuries. While off-line sales are still very strong, online is growing much faster. If you have a business that sells something and…
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    The Smile Lifestyle - Phroogal

  • My Smile Lifestyle: I Want to Have It All… Eventually

    Will Lipovsky
    28 Aug 2015 | 5:45 am
    The following is a guest post from Hannah Rounds. Hannah is a wife and mom who is working towards her version of the American Dream. This dream involves shifting her focus from career to family while creating opportunities for an encore career later in life. Her goal is to help other parents forage similar paths. She writes about this journey at Unplanned Finance. Early in our marriage, my husband and I would talk, with stars in our eyes, about what our future would hold. A big consulting career for me, an engineering job for him, a house full of kids, and nothing but love and time for each…
  • 8 Common Social Security Misconceptions You Should Know About

    Anum Yoon
    26 Aug 2015 | 5:00 am
    From the very first day of work, we all have the same goal: To stop working. Yes, we need a job to pay the bills and enjoy life but we’re also working toward that goal of retirement. Won’t it be great enjoying life without the stress of the job? One of the ways our retirement is bolstered is with Social Security benefits. This is the proverbial “safety net” that helps seniors supplement their retirement savings. The closer you get toward retirement, the more the issues surrounding Social Security will become relevant. As with any large government institution, there is…
  • Blogger Profile: Penny of She Picks Up Pennies

    Will Lipovsky
    24 Aug 2015 | 12:46 pm
    The following is a guest post by Penny of shepicksuppennies.com. Penny is a full-time teacher who is on a journey to be more mindful of her spending and to live a more purposeful life. She hopes others will join her. Besides her blog, you can also find her on Instagram, Twitter, and Facebook. Enjoy! My purposeful spending  journey started with a closet. If your mind immediately flashed to Cher Horowitz or Carrie Bradshaw, I’ve got two things to say: First, we should probably be friends, and secondly, sorry to disappoint, but I’m actually talking about my linen closet. That’s right. The…
  • How Money Kept Us From Managing Our Finances

    Will Lipovsky
    21 Aug 2015 | 3:06 am
    Today we have a guest post from Kristen of  indebtedmom.com. Not only is Kirsten a writer for hire, she is a real-life rocket scientist, with extensive project management experience. Due to her struggle with six-figure student loan debt, she has a passion for helping others avoid the same mistakes or slay their own debts. Enjoy! Unprepared I grew up in a rural town in Tennessee. I didn’t really know it then, but we didn’t have much. We lived in a small house, almost never took vacations, and didn’t buy name-brand anything. My parents never seemed to focus on what we had or what we…
  • The Debt Mistake You Can’t Afford to Make

    Will Lipovsky
    19 Aug 2015 | 9:58 am
    The following is  a post by Anum Yoon of CurrentonCurrency.com. Enjoy! It has happened to many recent college graduates. They land a great job. They have a promising career ahead of them. All roads lead to a fantastic future. And then reality hits. They recognize they are saddled with $50,000 in student loan debt that, all of a sudden, they have to start paying back. They tell themselves they’ll be fine paying off their debt each month because with their great job, they can even pay off more than the minimum. However, life hits them with other expenses. There’s a vehicle purchase, some…
 
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    Elephant's Paycheck

  • Sure Dividend

    David Bressler
    27 Aug 2015 | 4:59 am
    I read a lot. A lot a lot. I tend to think of sites in one of three ways: Sites that have catchy headlines and suck in traffic. Sites that have an interesting article or two, but that don’t compel the reader to return again and again. Sites that add so much values, you stop by most every day. If you’re interested in dividends, reinvesting, and dividend aristocrats Sure Dividend is a site that does the latter. If you are setting up an Elephant’s Paycheck Blueprint portfolio, reading my book, or just starting to learn about investing you absolutely must subscribe to Sure…
  • Improving 401k participation

    David Bressler
    25 Aug 2015 | 12:24 pm
    A co-founder of TaskRabbit has launched a new 401(k) platform designed to improve 401(k) participation. The company, Guideline Technologies, has raised $2M and is going to use three techniques to improve participation: Cut actively managed funds out, presumably people aren’t participating in these plans because they’re too expensive Improve the paperwork / process; amen, anything corporate IT designed sucks Use big data to have a more responsive process; or so it seems by reading into the article They’re getting it wrong It’s actually quite easy to dramatically…
  • My book may not be for you

    David Bressler
    25 Aug 2015 | 11:47 am
    Now that I have actual readers, I’m learning quite a bit about what I’ve written and how it’s received. This book may not be for you… Early in the process, I realized that I needed to ask myself “what is it about what I’m saying that’s unique?” Certainly, there are tons of dividend reinvesting books. Heck, I was reading them back in 1980 when I started investing this way. If there are a lot of books, and the investing tools I’m talking about aren’t new, then a lot of people know how to invest the way I describe in The Elephant in…
  • Unparalleled Transparency

    David Bressler
    12 Aug 2015 | 7:38 am
    There’s a fascinating change happening in the world. Twitter, Facebook, and other social networks have created an environment where we have unparalleled transparency to the world around us. In the past, a company could “stay on message” and it would be difficult to penetrate through to reality. Same goes for politicians. Now however, we can connect to each other in such a way that we’re fact-checking across demographics. It’s kinda cool and having pretty widespread impact on how business is conducted. It’s forcing a change. In fact, some are picking up on…
  • Invest with intention

    David Bressler
    6 Aug 2015 | 6:39 am
      When you buy something you vote with your dollars. You cast a vote for companies that are dicks or nice people. Buy with intention. — allan branch (@allanbranch) August 3, 2015 Same goes for investing. When you invest in a company, you are an owner. The values of your company should align to your own personal values. It turns out, alignment to purpose speak to the results you’ll get as an investor as well. Something I find interesting, are people who are socially aware in their lives (say with their diet) but who mindlessly buy into index funds without considering that…
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    iMoney.ph

  • What Happens If You Can’t Pay For Your Credit Card

    Mariae Francesca Ramos
    27 Aug 2015 | 11:35 pm
    It is very alarming indeed when you suddenly find yourself at arms length from your death sentence: this month’s astronomical credit card bill. Impulse shopping finally caught up, just when you forgot to factor in the compounding interest to your computation. Reeling from panic — nope, you don’t need to go there just yet. You can still remedy the situation! My bill just came in and it’s too large to settle, help! Breathe first, then take a good look at your credit card bill. There are two important details you need right now: the Minimum Payment (or Minimum Amount, or Minimum Amount…
  • 7 Tips To Score The Best Shopping Deals Online

    Mariae Francesca Ramos
    23 Aug 2015 | 7:02 pm
    One major selling point of online merchants is convenience. With just a few clicks, your dream item becomes yours without the hassle of leaving your home. And e-commerce has been steady in its trajectory of offering a wider range of products and services. And it’s still growing. Data from MasterCard's Online Shopping Survey revealed that more than 58.8% of Filipinos accessed the internet to shop online in 2014. This is a huge jump compared to the 40.2% of respondents who said they logged on to the internet to shop a year earlier. Almost anything you can think of can now be sourced online:…
  • How Do You Design Your Success Story: According to Francis Kong (Part 3)

    Mariae Francesca Ramos
    19 Aug 2015 | 12:45 am
    In the conclusion of this exclusive three-part interview, Francis Kong tells us how to design your success plan, the benefits and pitfalls of success and gives us a glimpse into his own journey to success. (Did you miss the first and second part of this interview? Read How Do You Climb The Mountain Called Success and How To Recognize Your Potential For Success?)The post How Do You Design Your Success Story: According to Francis Kong (Part 3) appeared first on iMoney.ph.
  • How To Recognize Your Potential For Success: According to Francis Kong (Part 2)

    Mariae Francesca Ramos
    10 Aug 2015 | 7:35 pm
    In part two of this three-part exclusive interview, Francis Kong gives us a different view to success: recognizing and tapping on your strengths and talents to find purpose and meaning and, what you can do when you find yourself stuck in your quest to ultimately attain success. (Did you miss the first part of this interview? Catch up here.)  The post How To Recognize Your Potential For Success: According to Francis Kong (Part 2) appeared first on iMoney.ph.
  • How Do You Climb The Mountain Called Success: According to Francis Kong (Part 1)

    Mariae Francesca Ramos
    7 Aug 2015 | 1:25 am
    Francis Kong has run his own garment business for 17 years before finding his niche sharing inspiring talks, lectures and seminars on entrepreneurship, leadership, money management and even parenting. His audience, both students and businessmen, started from a small group of six and has now multiplied to thousands. His own success, he said, did not come overnight, but from years and years of learning and growing through hard work and practice born from the love of his craft. He compels people to listen because of his gentle yet powerful manner, but more so by the truth in his words. iMoney…
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    Personal Finance Utopia

  • Stock Market Crash – Do not Panic!

    Mr. Utopia
    27 Aug 2015 | 3:05 am
    Oh, my goodness! The market is crashing. Sell everything you have and get out now!Or not.During a tumultuous stretch from Tuesday, August 18 to Tuesday, August 25th, the S&P 500 fell by -11.17% highlighted by two days of massive losses on Friday the 21st and Monday the 24th. On those two days alone, the market “crashed” by -3.19% and -3.94%, respectively. The nosedive was fueled primarily by concerns about the world economy with worries about China’s economic health being the main culprit. As of the writing of this article, further declines are quite possible.That’s scary. No one…
  • Market Timing Your Retirement Accounts? Don’t You Dare!

    Mr. Utopia
    24 Aug 2015 | 5:43 am
    I have a good friend and former colleague who I meet up with about once a month. He’s a pretty sharp guy – he has his CPA and works in the mutual fund industry. Most of our conversations are centered on family, work, and what else we would be doing if we did not have to work!During our most recent rendezvous, the subject of retirement savings came up. This was not the first time we had discussed how our 401k’s were doing or what we thought of the market outlook in general. This time around he dropped a bombshell. He informed me:“I have this bad feeling. I think the stock market is…
  • Disadvantages of Buying a New Construction Home

    Mr. Utopia
    20 Aug 2015 | 5:39 am
    If you read part one of this article on the advantages of buying a new construction home, you are probably all fired up and ready to go purchase one!Before you go rushing out the door with pen in hand to sign on the dotted line, let’s take a look at some of the possible drawbacks of buying a new construction home.Note – for the purposes of this article, “new construction” home means those from a builder, such as Lennar or Beazer, that develop a community of similar homes. This article excludes homes where someone purchases their own single plot of land and designs their own home by…
  • Advantages of Buying a New Construction Home

    Mr. Utopia
    17 Aug 2015 | 5:38 am
    Late last year, my wife and I purchased a new construction home. If you know about my nightmare foreclosure then you might think I would have been a bit hesitant to join the ranks of homeowners again. After all, that fiasco was horrifying enough to deter anyone from buying another property for a lifetime.However, time heals all wounds and, mentally, I was ready. Plus, with the newest addition to our family, we were fast running out of space in our rented, upstairs apartment. After paying off most our debt and being nearly debt free a few years back we were able to accumulate enough for a…
  • The Return of Personal Finance Utopia

    Mr. Utopia
    13 Aug 2015 | 9:24 pm
    That old friend you’ve been meaning to reach out too for a long time. The diet and exercise routine you keep putting off. The home improvement project that’s always at the bottom of your To Do list. The garage sorely needing to be organized and cleaned. The books on the shelf collecting dust that you have been intending to read.That’s what Personal Finance Utopia has been for me over the past several years – something I want to and know I should be doing, but haven’t made enough effort to prioritize. I’ve had this constant, nagging feeling in the back of my mind that I should not…
 
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    FinancingLife.org

  • What is an asset class?

    Rick Van Ness
    18 Aug 2015 | 3:59 pm
    Find out why you should choose a mix of asset classes (diversification) and then stick to it. The post What is an asset class? appeared first on What is an asset class?.
  • When to invest in gold?

    Rick Van Ness
    2 Aug 2015 | 11:05 am
    Learn why John Bogle and Warren Buffett urge you not to invest in gold. Choose productive assets and get your asset allocation right. Gold is not investing. The post When to invest in gold? appeared first on When to invest in gold?.
  • John Bogle comments on the stock and bond markets in 2015, and more!

    Rick Van Ness
    28 Jul 2015 | 3:01 pm
    John Bogle is asked for his predictions about the stock and bond markets in 2015. The post John Bogle comments on the stock and bond markets in 2015, and more! appeared first on John Bogle comments on the stock and bond markets in 2015, and more!.
  • Lessons From Stock Market History Pt.8: sensible investing (video)

    Rick Van Ness
    20 May 2015 | 11:04 am
    Sensible investing lessons from stock market history: Be realistic. Stay calm. Don't try to time the market. Keep it simple. Diversify stocks. Don't tinker. The post Lessons From Stock Market History Pt.8: sensible investing (video) appeared first on Lessons From Stock Market History Pt.8: sensible investing (video).
  • Lessons From Stock Market History Pt.7: buy and hold (video)

    Rick Van Ness
    20 May 2015 | 11:01 am
    The best advice is to buy and hold. Re-balance once a year. Don't be tempted to tinker with your investment decisions. Simply buy and hold and re-balance. The post Lessons From Stock Market History Pt.7: buy and hold (video) appeared first on Lessons From Stock Market History Pt.7: buy and hold (video).
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    Diễn đàn của sự thay đổi

  • Giới thiệu bánh trung thu Brodard giá sỉ

    30 Aug 2015 | 7:22 pm
    Trung thu này, Brodard mang đến cho bạn những trải nghiệm mới về thiết kế lẫn hương vị, từ tiramisu trà xanh, nam việt quất tới hạt sen ngọt bùi. Tháng tám, mùa thu, Tết Trung thu lại ùa về trong tâm tưởng từ người già đến trẻ nhỏ. Ai nấy đều nhớ mong và háo hức mau đến ngày Rằm để được thưởng thức hương vị bánh Trung thu, để trở lại miền ký ức thuở còn bé lon ton với chiếc đèn ông sao dung dăng dung dẻ khắp phố phường. Và cứ như thế trong suốt gần 70…
  • Trung tâm dịch vụ Thay màn hình iPhone 6, 6 plus tại SG

    30 Aug 2015 | 7:20 pm
    Thay màn hình iPhone 6, 6 plus Trong một lần không cẩn thận bạn vô tình làm rơi màn hình iPhone 6, 6 plus làm trầy, bể mặt kính màn hình, loạn hoặc cảm ứng không nhạy thậm chí là liệt cảm ứng. Bạn hoang mang không biết tìm chỗ nào để Thay màn hình iPhone 6, 6 plus, vì đây là có thể là hàng xách tay nên do đó bạn không biết địa chỉ bên ngoài nào Thay màn hình iPhone 6, 6... Trung tâm dịch vụ Thay màn hình iPhone 6, 6 plus tại SG
  • Mẫu tủ bếp đẹp hiện đại của cho tương lai

    30 Aug 2015 | 7:07 pm
    Thiết kế mẫu tủ bếp hiện đại, tiện nghi là một trong những xu hướng mới trong lĩnh vực nội thất cũng như trang trí nội thất của các nước phương Tây. Là đơn vị luôn bắt kịp với xu hướng đó, công ty cổ phần nội thất MoreHomeluôn đem lại không gian hiện đại, sáng tạo bên cạnh đó chất lượng cũng là điều mà chúng tôi luôn đặt lên hàng đầu. Không gian bếp đôi khí trở thành một không gian nghệ thuật của các bà nội trợ bởi vì sự sáng tạo của những…
  • Đẹp làm sao chung cư Thành Phố Giao Lưu

    30 Aug 2015 | 9:30 am
    CHUNG CƯ THÀNH PHỐ GIAO LƯU CHUNG CƯ GREEN STAR - 234 PHẠM VĂN ĐỒNG QUẬN BẮC TỪ LIÊM MỞ BÁN CHUNG CƯ GREEN STARS TÒA A3 – THÀNH PHỐ GIAO LƯU Chung cư thành phố giao lưu hiện tại đã xây xong thô,dự án đang hoàn thiện bên ngoài và nội thất. Những căn tầng đẹp nhất chỉ dành cho khách hàng đặt mua ngay bây giờ! LIÊN HỆ ĐẠI... Đẹp làm sao chung cư Thành Phố Giao Lưu
  • Cơ hội đầu tư, mua an cư giá đợt 1 chung cư 360 giải phóng

    30 Aug 2015 | 9:10 am
    Dự án hót sắp ra mắt thị trường BDS phía đông Hà nội Chung cư 360 giải phóng có vị trí đắc địa, Giá bán chung cư 360 hợp lý tại khu vực, Chung cư 360 giải phóng mở bán giá rẻ đợt 1 Chung cư Chung cư 360 giải phóng. cơ hội đầu tư, mua để an cư Loại hình dự án : Dự án hỗn hợp nhà ở, Dịch vụ công cộng, Văn phòng và Trường học Địa chỉ : Số 360 đường Giải Phóng, Phường Phương Liệt, Quận Thanh Xuân, Hà Nội. Chủ đầu tư: Công ty cổ phần Tập đoàn Đầu tư…
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    snarkfinance.com

  • Where Have I Been?

    Mitchell Pauly
    30 Aug 2015 | 6:28 am
    snarkfinance.com - Welcome to Snarkfinace!Where have I been?  Around the world, thinking about things, getting Sh$t done.  Every once and a while we are faced with a decision to keep working on a project that isn’t paying out but is a labor of love, or making real money.  I chose real money in the hope that it would allow […]snarkfinance.com - Welcome to Snarkfinace!
  • 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!
 
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    Personal Finance Advice

  • Can’t Find the Decision Maker? An Org Chart can Help

    Chris Bibey
    12 Aug 2015 | 5:24 am
    As a salesperson, there are not many situations more frustrating than the inability to pinpoint the decision maker. You know you have a product or service the company can use. You know you have what it takes to close a deal, or at the very least strike up a good conversation. However, you continue to lag behind because you don’t know who to speak with. If you find yourself in this position, you have a few options: Move on to other targets for the meantime. Continue to call (or email) the company, hoping to eventually get passed through to the right person. Use an org chart to sift through…
  • Shopping Online? Do these Things to Potentially Save Money

    Chris Bibey
    22 Jul 2015 | 5:15 am
    There are many benefits of shopping online, including the ability to save money when compared to local prices. Furthermore, the convenience factor attracts many consumers to the internet. But just because you are shopping online does not mean you should automatically assume you are getting the best possible deal. There are other ways to potentially save money, including these three ideas: Contact the store for a discount code. If you can’t find a discount code by searching online, it is time to reach out to the store. You can do so by phone or email. Either way, let them know your interest…
  • Things to Consider Before Taking a Car to College

    Chris Bibey
    12 Jun 2015 | 5:24 am
    From a student perspective, taking a car to college sounds like a great idea. Many parents, however, take a different stance. It doesn’t matter if you are a student or parent, there are things to consider before making this very important decision. If you don’t examine the pros and cons in great depth, it could end up causing you a headache in the long run. Here are three of the most important points to consider: Do you have anywhere to park the car? While some schools have enough parking for every student, this is not always the case. If you can’t snag a free parking spot from the…
  • Reasons why you need a Credit Card

    Chris Bibey
    14 May 2015 | 5:59 am
    There is no denying the fact that some people shouldn’t carry a single credit card. For example, if you have had issues with this type of debt in the past, it is probably best that you don’t have access to a credit card in the future. On the flipside, there are reasons why you need a credit card. As long as you can use it in a responsible manner, you can benefit on many levels. Here are three reasons to consider: Helpful in the event of an emergency. For instance, if your car breaks down you may need a credit card to pay for emergency service. Furthermore, if you are faced with a large…
  • 3 Tips to Ace your Next Job Interview

    Chris Bibey
    16 Apr 2015 | 5:47 am
    So, the big day is coming soon. You are going on a job interview you have been dreaming of for quite some time. It is natural to feel nervous. It is natural to think about everything that could go wrong. Even though you may feel this way, there are steps you can take to improve your chance of success. And by success, we mean landing the job. Don’t be one of those people who overcomplicate the job interview process. Instead, follow these three basic tips: Be prepared for anything that could come your way. Even if you think you know everything about the position, company, and industry, it…
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    Getting Ahead, A Personal Finance News & Exchange

  • How Do I Get An Auto Loan With Bad Credit? | US Equity Advantage

    26 Aug 2015 | 9:00 am
    <p><img style="vertical-align: middle;" title="CarLoanBadCredit" alt="CarLoanBadCredit" displaymode="Original" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/carloanbadcredit.png?sfvrsn=2" /><br /> <br /> So you&rsquo;d love a new set of wheels, but your credit score is a clunker. Don&rsquo;t despair &mdash; there are things you can do to help put the odds more in your favor at the dealership when trying to get an auto loan with bad credit. <br /> <br /> </p>…
  • How to Set up a Loan Payment Schedule and Why | US Equity Advantage

    19 Aug 2015 | 9:00 am
    <p><img style="vertical-align: middle;" title="Loan-Payment-Schedule" alt="Loan-Payment-Schedule" displaymode="Original" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/loan-payment-schedule.png?sfvrsn=0" /><br /> <br /> Eighty percent of Americans are paid biweekly. Why, then, is it so common to budget on a month-to-month basis? Matching payments to paychecks with biweekly loan payments can make fulfilling all of your financial obligations easier and much less time consuming. And accelerated…
  • How to Beat Credit Card Companies at Their Own Game | E-book From US Equity Advantage

    12 Aug 2015 | 8:59 am
    <p><img style="vertical-align: middle;" title="Beat-Credit-Card-Companies" alt="Beat-Credit-Card-Companies" displaymode="Original" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/beat-credit-card-companies.png?sfvrsn=2" /></p> <br /> <p>America has a credit card problem. </p> <p>Credit cards are the third leading form of debt in the U.S., after student and home loans. Just as the national credit card debt has quintupled since the 1980s, so too can a small balance become a very…
  • What Is Amortization? | US Equity Advantage

    29 Jul 2015 | 9:00 am
    <p> <img style="vertical-align: middle;" title="Loan Amortization" alt="Loan Amortization" displaymode="Custom" customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" method="ResizeFitToAreaArguments"…
  • What Types of Loans Are Out There and How Can I Save on Them? | US Equity Advantage

    22 Jul 2015 | 9:00 am
    <p><img style="vertical-align: middle;" title="Loan Types" alt="Loan Types" displaymode="Custom" customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" method="ResizeFitToAreaArguments" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/loan-types.jpg?sfvrsn=0&amp;MaxWidth=600&amp;MaxHeight=&amp;ScaleUp=false&amp;Quality=High&amp;Method=ResizeFitToAreaArguments&amp;Signature=92C7886105A596630CB5C036B8435785" /><br />…
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    Rockstar Finance

  • ★ Exposure Therapy

    Team
    28 Aug 2015 | 3:02 am
    “The hysterics in social media are mildly entertaining. Donald Trump blames it on China and Megyn Kelly. China blames it on an international conspiracy and rogue traders. I yawn and go back to sleep. This is what markets do.” ——– Photo Credit: Museum of American Finance
  • ★ Assets First, Liabilities Later

    Team
    28 Aug 2015 | 3:01 am
    “The wealthy become wealthier because they use their money to buy assets. Yes they buy luxuries, but this is only because they can afford them. They buy assets first and use the excess cash flow that they choose not to invest to buy luxuries. Take a long hard look at what you own and buy. Are you buying assets?”
  • ★ Naked Truth Bank

    Team
    28 Aug 2015 | 3:00 am
    “Trolling for profits, we lure you into more debt than is prudent. We are concerned only about your ability to make the monthly payments owed to us, not whether you can simultaneously afford to save for life’s contingencies and your long-run goals. Once we get our hooks into you, it takes a bloodbath to shake loose.”
  • ★ 8 Financial Truths for Your Annoying Facebook Friends

    Team
    27 Aug 2015 | 3:02 am
    “This post is dedicated to those shared money ideas on Facebook, the ones that claim that luck is the only way to build wealth, that people who have wealth aren’t worthy of having it, and how rich people are somehow simply ‘different.’ All of it is junk, and here’s why, spelled out in eight simple truths that everyone should know.” ——– Photo Credit: Maria Elena
  • ★ A Simple Habit Wealthy People Practice Every Day

    Team
    27 Aug 2015 | 3:01 am
    “‘If you listen to instructional CDs as you drive each year, it would be the equivalent of two semesters of an advanced degree in college.’ — Brian Tracy”
 
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    Doctor Of Credit

  • StarKist Tuna $25 Cash/$50 Tuna Class Action Settle, No Purchase Proof Necessary

    William Charles
    30 Aug 2015 | 10:30 am
    The Offer Direct link to claim form via Maximizing Money If you purchased any of the following StarKist tuna products between February 19th, 2009 and October 31st, 2014 then you’re eligible for a class action rebate with an estimated payout of $25 or $50 in StarKist Tuna: 5 oz. Chunk Light in Water 5 oz. Chunk Light in Oil 5 oz. Solid White in Water 5 oz. Solid White in Oil The Fine Print StarKist 5 oz. Chunk White in Water is not included Settlement pool is $8,000,000 in monetary compensation and $4,000,000 in vouchers Our Verdict While no purchase proof is necessary, please only…
  • [TN only] F&M Bank Offering $250 Checking Bonus In Branch

    William Charles
    30 Aug 2015 | 9:00 am
    Reposting this due to the fact we now know it’s a soft pull to open. Offer at a glance Maximum bonus amount: $250 Availability: Must open in branch, all branches are Tennessee. Branches are in Clarksville, Springfield, Greenbrier, Dover, Bumpus Mills, Lebanon, Mt. Juliet, White House, Murfreesboro, Hendersonville, and Cookeville. Direct deposit required: Optional, $500+ for two months (+$200) Additional requirements: Open with minimum deposit of $200 (+$50) Hard/soft pull: Soft Credit card funding: Unknown, unlikely due to in branch requirement Monthly fees: None Early account…
  • $50 Whole Foods Giftcard For $41.99 At Staples

    William Charles
    30 Aug 2015 | 7:11 am
    The Offer Direct link to offer Staples is selling $50 Whole Food gift cards for $41.99 The Fine Print Limit one per order, you might have multiple orders cancelled so beware While supplies last or until September 5th Our Verdict It’s possible to resell Whole Foods giftcards for 88% of facevalue according to Gift Card Wiki, so let’s look at our profitability: Purchase $50 gift card for $41.99 (-$41.99) Use a credit card that earns 5x/5% at office supply stories (+$2.1) Resell for (+$44) You’re basically making $4 per purchase, more if you value Chase UR at more than 1¢. They…
  • Last Chance To Get $20 In Free Food From Caviar (Food Delivery Company)

    William Charles
    30 Aug 2015 | 7:00 am
    The Offer Direct link to offer Receive $20 in Caviar credit when you sign up for a new account, you can also refer friends and you’ll earn an additional $20 in credit per bonus that signs up and makes their first order. You need to sign up by August 31st, 2015 so this is basically your last chance to get this bonus (normally it’s only $15 in credit).  The Fine Print Credit expires after 90 days Valid until August 31st, 2015 First order must be above $10 to qualify If you sign up for this promotion then you can’t also get your first delivery for free $20 credit must be used in first…
  • Chase UR To Amtrak?, Compare Hotels With AirBnB & VRBO, Weekend Deals & New FoundersCard Benefits

    William Charles
    30 Aug 2015 | 6:00 am
    Compare Hotels With Alternatives Like Airbnb in your search by Canadian Travel Hacking. Nice that it includes AirBnB & VRBO, but don’t really think it should be including couch surfing as well. Will Chase and Starwood Points Still Transfer to Amtrak? by View From The Wing. I think their response about SPG not changing at all is fairly telling, but we still don’t know for sure. With the new revenue based program I’m not sure how many people would want to transfer anyway, but it’s a good way of scoring some easy choice points.   Weekend Roundup of New AMEX…
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    moneypantry.com

  • Your Valuable $2.32 Pocket Change Is worth $707.25!

    Satrap
    20 Aug 2015 | 10:19 am
    If you’re someone who finds themselves with change on hand often, whether you’re putting it in a piggy bank or leaving on your nightstand, you might want to take a closer look at them; some of your pocket change could be worth more than you think! A coin doesn’t need to be 100 years old... Read More The post Your Valuable $2.32 Pocket Change Is worth $707.25! appeared first on MoneyPantry.com.
  • 40 Companies That Pay You for Referring Your Friends: Earn Over $13,000!

    Satrap
    11 Aug 2015 | 2:35 pm
    Businesses rely on the idea that their service will be spread through word of mouth – and that the people who like their service might introduce others, too. Getting the word out is an essential part of business. It’s for this reason that some companies take it a step further and reward you for spreading... Read More The post 40 Companies That Pay You for Referring Your Friends: Earn Over $13,000! appeared first on MoneyPantry.com.
  • 10 Hacks for Saving Money at Starbucks That Every Coffee Lover Should Know

    Satrap
    3 Aug 2015 | 1:18 pm
    I think that of all the articles I’ve ever written on this site, this might be one of the most universally applicable – how to save money at Starbucks! Even though there are millions of Americans who don’t like black coffee or even home-brewed coffee, almost everybody loves Starbucks. Young or old, male or female;... Read More The post 10 Hacks for Saving Money at Starbucks That Every Coffee Lover Should Know appeared first on MoneyPantry.com.
  • 17 Ways to Make Money in Retirement Without a Full-time Job

    Satrap
    29 Jul 2015 | 1:55 pm
    Retirement is something of a catch-22 in our modern economic climate. On one hand, it’s the freedom from the grind that we all dream of during our working years. On the other hand, now you’re made to survive on a fixed income, which limits you somewhat from that unrestrained freedom. Due to this situation, a... Read More The post 17 Ways to Make Money in Retirement Without a Full-time Job appeared first on MoneyPantry.com.
  • Get Paid $5 for Every Phone Call You Make: a Great Part-time at Home Job

    Satrap
    25 Jul 2015 | 1:27 pm
    In the today’s world, almost everybody is carrying around a cellphone. Phones are involved in everything, from making money and work to socializing. A while back I talked about a company that pays people to listen to phone calls. Today, I am going to talk about a company that does the opposite–paying you to make... Read More The post Get Paid $5 for Every Phone Call You Make: a Great Part-time at Home Job appeared first on MoneyPantry.com.
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    CompareHero Malaysia

  • 5 Personal Finance Books for Every Millennial’s Reading List

    CompareHero
    20 Aug 2015 | 7:00 pm
    Finally making the commitment to turn your financial situation around? We know all too well that changing your money habits for the better is no walk on the park. The good news is that you don’t have to do it alone. With a wealth of knowledge available at your fingertips, why not go straight to the experts for help? The best books about money aren’t the ones that promise you’ll become a millionaire overnight . No, they’re the ones that deliver helpful advice on how to straighten up your act for the better. Here in no particular order are five of the top reads available in bookstores…
  • What Your Watch Says About You

    CompareHero
    19 Aug 2015 | 10:00 pm
    There is a tradition some families have where fathers pass down their prized Rolex watches to their sons as a sign of their success in life. Having a Rolex is usually treated as a sign of having made it far in life. But what about having a Breitling? Or an Omega? Some watches and watch brands are used to declare a social status. Brands like Patek Philippe and Jaeger-LaCoultre are some of the more high-end watches that can cost upwards of five digits brand new. If you find an elegant Patek Philippe Calatrava dress watch on the wrist of your date, then you might be seeing a very successful…
  • Are You Caught in the Grip of Lifestyle Inflation?

    CompareHero
    18 Aug 2015 | 2:00 am
    As you move up the corporate ladder and earn the paycheck to match, you may start buying into the idea that you should upgrade your lifestyle as well. And why shouldn’t you? After years of hard work, doesn’t it make sense for you to graduate to a bigger home, a nicer car, or brand-name clothes? On the other hand, you can’t let this mindset control how you mete out your regular expenses. This is where the problem of lifestyle inflation comes in. What is lifestyle inflation? Think: what usually tends to happen when you receive a huge holiday bonus, or your first promotion at work? If…
  • Most Creative Resumes

    CompareHero
    14 Aug 2015 | 12:36 am
    During a job hunt, you put everything on your CV or resume to impress your future employers. You fill it up with your accomplishments, accolades, and all valuable experiences relevant to the position you want. Your CV isn't just two or more pages of your best: it determines your future with a stable job at a company you want to work at. Some people, however, go to great lengths to impress their future employers and get incredibly creative and resourceful when they make their CVs, so they end up with very unconventional resumes that does wonders. Recently, a story has been circulating around…
  • 3 Reasons Why the Depreciation of the Ringgit is a Good Thing

    CompareHero
    13 Aug 2015 | 8:24 pm
    The exchange rate for the ringgit has breached the 4 MYR to a dollar mark, the first since the Asian Financial Crisis. In this recent slide, the ringgit has fallen by 20% in the past 12 months. The slowing economy, drop in global crude energy prices, and the 1MDB controversy are the factors behind the ringgit’s recent depreciation according to the Borneo Post. To say that the ringgit’s current weakness will have an impact on the economy is an understatement. For one, the cost of imports will go up especially since the US dollar is used in much of Malaysia’s trade. In line with this,…
 
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    Financial Market Vigilante

  • Warning: China propping up their economy by “selling” U.S. Treasuries

    30 Aug 2015 | 6:55 am
    "The Fed doesn’t fully understand the market volatility that stemmed from China’s shift in its foreign exchange regime" commented Fischer in a media interview in Jackson Hole, Wyoming.   (See CBS MarketWatch, August 28, 2015)  Even the U.S. Federal Reserve  isn't clear (or willing to share) what is really going on, so investors may want to get the facts for themselves.The knee jerk reaction in the media that the Chinese were devaluing the Yuan on purpose shows how shallow U.S. reporting on financial markets has become.  The facts are that there is a capital flight…
  • Financial Relativity Index Warns Investors to Reduce U.S. Equity Exposure

    27 Aug 2015 | 5:31 am
    Anyone who follows the Financial Market Vigilante blog and has read my book, Theory of Financial Relativity, knows that my research looks at the U.S. financial markets systematically.  By looking back through time to gain an understanding of how key market metrics performed during boom and bust cycles, I have developed a heuristic model which investors can use to gauge whether key fundamental forces are strong enough to sustain current stock market index price levels.  The model is simple.  It contains 7 market variables that are tracked through time.  As specific market…
  • Whiting USA Trust II – Worthless Junk or Interesting Option?

    14 Aug 2015 | 6:19 am
    Since mid-November 2014, the price of Whiting USA Trust II (WHZ) stock has been on a vicious downward spiral from above $12 per share to the current level under $2.  Interruptions in the downward move have been brief, and the chart below shows the trading carnage continues.After the distribution announcement of $0.16 pre-market open on August 6th, the share price attempted a brief rally on the morning of August 7th, only to quickly revert back to the current trading floor of $1.90 per share.  The $0.16 distribution was well above the $0.01 per share distribution declared in the…
  • Margin Debt Reaches New All-Time High – Bullish or Bearish?

    7 Jun 2015 | 7:45 am
    Money used to margin stocks on the NYSE grew to $507B in April 2015.  (see NYSEData.comFactbook: Securities margin debt)  Looked at in isolation, you might interpret the continued inflow of leverage to buy market assets as a bullish indicator.  Investors are confident in the future, therefore why not take cheap money and buy assets that seemingly just continue to rise.The temptation to rationalize that margin activity is a positive indicator for stocks is a function of how highly correlated the level of margin debt and the major stock indexes (SPY) (DIA) have been over the past…
  • Treasury Rates Up, Stocks Up - Will the Pattern Continue?

    23 May 2015 | 10:49 am
    Since the U.S. Federal Reserve ceased its quantitative easing program at the end of October 2014, the stock market has been decidedly more volatile, while also in my view, trading in a pattern that is counter intuitive to many investors.  During the QE phase, stocks reacted to the increased market liquidity by catapulting higher, while rates across the board fell.  As rates went down, stocks and asset values in general went up.  The expected inverse relationship of asset values to interest rates held.  The major stock index correlation to the increasing size of the Fed…
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    Profitable Investing

  • Live Alerts for the week of 8/31/15

    Geoff Green
    30 Aug 2015 | 2:17 pm
    As discussed in the market analysis for this week, many of the long alerts either were deleted or left in place just to see what happens as this weeks trading unfolds.  As you can see in this list, Contra ETF’s … Continue reading →The post Live Alerts for the week of 8/31/15 appeared first on Profitable Investing. Related posts: Live Alerts for the week of 8/24/15 Stock Market Analysis for the Week Ending 05/25/2013 Stock Market Today – Stock Market Analysis and Trading Strategies for the Week of 2/3/2014
  • Stock Watchlist for a Downtrending Market

    Geoff Green
    29 Aug 2015 | 1:59 pm
    The stock market appears to be entering a new downtrend as described in this Market Analysis post.  Profitable investing in this new environment is likely to benefit from entering new short or bearish positions as the downtrend progresses. Tax advantaged … Continue reading →The post Stock Watchlist for a Downtrending Market appeared first on Profitable Investing. Related posts: Stock Market Today – Market Analysis and Trading Strategies for the Week of 1/27/2014 Stock Market Today – Stock Market Analysis and Trading Strategies for the Week of 2/3/2014 Trend Reversal…
  • Trend Reversal Indicated – Downtrend Currently Underway

    Geoff Green
    29 Aug 2015 | 8:34 am
    Profitable Investing strategies always have a foundation in the overall market trend. This weeks trading saw more volatility than probably anyone alive has ever witnessed.  I was watching for an expansion of the Bollinger Bands and expected it to be … Continue reading →The post Trend Reversal Indicated – Downtrend Currently Underway appeared first on Profitable Investing. No related posts.
  • ALERT ON DDG WHEN MARK AT OR BELOW 30.05 is triggered LAST=30.86 BID=29.85 ASK=30.05 MARK=30.05 NEWS=N/A

    Geoff Green
    28 Aug 2015 | 7:14 am
    ALERT ON DDG WHEN MARK AT OR BELOW 30.05 is triggered LAST=30.86 BID=29.85 ASK=30.05 MARK=30.05 NEWS=N/AThe post ALERT ON DDG WHEN MARK AT OR BELOW 30.05 is triggered LAST=30.86 BID=29.85 ASK=30.05 MARK=30.05 NEWS=N/A appeared first on Profitable Investing. Related posts: (Replacing #995632362) ALERT ON EUM WHEN MARK AT OR BELOW 29.29 is triggered LAST=29.29 BID=29.29 ASK=29.31 MARK=29.29 NEWS=N/A ALERT ON SOXS WHEN MARK AT OR BELOW 67.85 is triggered LAST=67.75 BID=67.75 ASK=67.89 MARK=67.75 NEWS=N/A ALERT ON SQQQ WHEN MARK AT OR BELOW 25.88 is triggered LAST=25.20 BID=25.19 ASK=25.20…
  • ALERT ON SH WHEN MARK AT OR BELOW 21.88 is triggered LAST=21.88 BID=21.88 ASK=21.89 MARK=21.88 NEWS=N/A

    Geoff Green
    27 Aug 2015 | 9:54 am
    ALERT ON SH WHEN MARK AT OR BELOW 21.88 is triggered LAST=21.88 BID=21.88 ASK=21.89 MARK=21.88 NEWS=N/AThe post ALERT ON SH WHEN MARK AT OR BELOW 21.88 is triggered LAST=21.88 BID=21.88 ASK=21.89 MARK=21.88 NEWS=N/A appeared first on Profitable Investing. Related posts: (Replacing #995632362) ALERT ON EUM WHEN MARK AT OR BELOW 29.29 is triggered LAST=29.29 BID=29.29 ASK=29.31 MARK=29.29 NEWS=N/A ALERT ON SOXS WHEN MARK AT OR BELOW 67.85 is triggered LAST=67.75 BID=67.75 ASK=67.89 MARK=67.75 NEWS=N/A ALERT ON SQQQ WHEN MARK AT OR BELOW 25.88 is triggered LAST=25.20 BID=25.19 ASK=25.20…
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    Money International

  • How Much Cash Do You Need For Retirement?

    Sophie Schillemore
    27 Aug 2015 | 8:07 pm
    Chancellor George Osborne is trying to instil a savings culture in the workplace so everyone has enough money to fund a comfortable retirement – but no one really knows how much they need in the bank to see them through their golden years. The problem is we know death is inevitable, but just not the exact date. Retirement savers have to pluck an average out of the air and hope they have enough money put aside to pay the bills, fund a few luxuries and maybe to fork out for expensive long term care. Financial experts argue that saving a little for a long term is the best way to save due to…
  • A Look At The International Financial Advisers Directory

    Vicky Dixon
    20 Aug 2015 | 5:40 pm
    The way in which we seek financial advice has changed. Information is now at our fingertips, and we are able to make informed decisions based upon what we read. Leading the way in that respect is the International Financial Advisers Directory – internationalfinancialadvisers.com. The directory allows the online community to peruse the best financial professionals in their area, and select the one with the best credentials and experience that matches up to their requirements. They may then contact the adviser with any enquiries, and judge by the nature of the response whether they are…
  • Can a buy to let company beat landlord tax changes?

    Vicky Dixon
    18 Aug 2015 | 3:14 am
    Chancellor George Osborne dealt a blow to the fortunes of buy to let investors with a surprise announcement slashing finance interest relief – but many investors are asking whether trading as a property company can beat the new rules. Over the next four years, finance interest relief is phasing out for higher rate taxpayers. As a result, they will lose more than half of their tax relief on buy to let mortgage interest. From April 2020, maximum tax relief on finance interest will be 20%. Note the rules apply to ‘finance interest’, not just mortgage interest, so other types of borrowing…
  • Pension Liberation Step Up Scam Efforts

    Kevin Barnett
    17 Aug 2015 | 7:09 pm
    Government campaigns to crack down on pension liberation crooks do not seem to be working, according to figures released by fraud squad detectives. Pension liberation is when retirement savings from a legitimate pension scheme are switched to one that offers access to the cash before the saver is 55 years old – but the money is often whisked away by criminals. Although savers can transfer their pensions, taking money before the age of 55 leads to a tax charge by HM Revenue & Customs (HMRC). Scammers offer free pension reviews, charge high costs for advice and offer  unrealistic returns…
  • UK Tightens Visa Checks To Stop Criminals Coming In

    Rob Dawson
    13 Aug 2015 | 6:20 pm
    Foreigners applying for a UK visa must prove they have no criminal record before they enter the country under new rules coming in on September 1, 2015. The British government is making entry requirements much stricter after a study revealed that 30,000 out of 190,000 foreigners arrested in the country had criminal records in another country. Less than half were known to police in the neighbourhoods where they lived. As a trial, the first batch of visa applicants who will have to prove a crime-free past are foreigners applying for investment or entrepreneur visas that come with permission to…
 
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    Your Smart Money Moves | Personal Finance Blog

  • 5 Reasons Gen X Needs To Build Their Own Wealth

    Ted Jenkin @ Your Smart Money Moves
    29 Aug 2015 | 7:46 pm
    At 46 years old, the statistics would classify me as Generation X.  The media defines this generation by people who were born between 1965 and 1979, although I would say practically it is more in the line of people born from 1960 to 1980.  For those that fall within these age brackets, I think you better start planning on not receiving much of an inheritance and focusing on building your own wealth.   I don’t say this because your parent’s bumper sticker says “I’m spending my children’s inheritance”, but really because of five trends I see happening over the next twenty years…
  • Tony Bennett Proves You May Never Want To Retire

    Ted Jenkin @ Your Smart Money Moves
    27 Aug 2015 | 11:30 am
    A few weeks ago, I had the wonderful privilege to see Anthony Dominick “Tony” Benedetto a.k.a. Tony Bennett perform in concert at the ripe young age of 88.   On August 3rd, he turned 89.   In fact, what made the performance even more amazing is that he sang duets with Lady Gaga who strutted the stage with at least six outfit changes.   As I stood in amazement watching this legend belt away his famous tunes, it made me think about how people should be approaching this word we call retirement. A friend of mine and fellow Wall Street Journal author Professor Olivia Mitchell from the…
  • How To Deal With The Stock Market Drop

    Ted Jenkin @ Your Smart Money Moves
    25 Aug 2015 | 4:27 pm
    How to Get Rich w/ oXYGen Financial Topic: How To Deal With The Stock Market Drop Taped 8/25/15 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Rock 100.5 Morning Show 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
  • 8 Ways To Make Your 401(k) Balance Grow Faster

    Ted Jenkin @ Your Smart Money Moves
    25 Aug 2015 | 4:15 am
    The 401(k) has become, for most individuals, the cornerstone of their retirement savings.   As these funds grow into the six figure level, and for some into the seven figure level, actively managing your 401(k) will become an important component to your overall plan for the future.  Often, I get the question about how someone can make their 401(k) balance grow faster.   Here are my eight smart money moves tips on how you can drive your 401(k) balance at a greater pace than it may be moving today. Increase your contributions every year- Many 401(k) participants cannot start with the…
  • Why You WILL tell your child YES

    Ted Jenkin @ Your Smart Money Moves
    22 Aug 2015 | 6:51 pm
    Like many parents, I recently experienced the sadness and euphoria of sending our first child off to college.   As much as you can prepare yourself for that moment, it’s an incredibly bittersweet moment as you pull away from campus and see your child really start to begin life on their own.    These are the beginning moments where they make more decision on their own, handle their day to day affairs, and begin to take over the basic management of their finances. I’ve always considered myself to be a parent who would tell my child like is really is without any of the sugar…
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    Money On Trees

  • How to Prepare for Your First Year in University or College

    Nancy
    26 Aug 2015 | 12:30 pm
    Congratulations, you’re starting your post-secondary career in September! Maybe you’re a little anxious about making new friends, or keeping up with the coursework. In today’s post, I am going to discuss some of the things I did to prepare for my first year and hopefully some of these resources will help you. PRINT OUT YOUR COURSE LIST AND CAMPUS MAP I consider my sense of direction pretty strong, but somehow I was getting lost on campus ALL THE TIME. I know strange, right? Maybe I was nervous but I couldn’t ask anyone, because well… my pride was at stake. That quickly ended when I…
  • How to Save Money when Buying School Supplies

    Nancy
    19 Aug 2015 | 11:48 am
    If you haven’t noticed (or maybe you’re trying to avoid it), its back to school time! If you are heading back to school in September, costs can add up very quickly. Don’t know where to start? Good Housekeeping has a great list for back to school shopping supplies, from three-ring binders to disinfectant wipes. Keep in mind that you might not need everything, so shop according to what you will ACTUALLY use. Below, I have included some of the most common items I purchased during my university career; I hope this helps you when determining what you need this year. BOOKS When I began my…
  • The Benefits of Networking

    Nancy
    11 Aug 2015 | 6:41 am
    ‘How did you hear about this role?” “Oh, I actually know someone.” I can’t count the amount of times that I have had this exact conversation with family and friends. There is definitely a hidden job market that isn’t online. When I started my career in public relations, I met with several people to discuss their roles and backgrounds.  It was a great opportunity that allowed me to expand my network and determine what I needed to do to land a similar role..Little did I know that I would end up receiving a call from a communications manager that a spoke to earlier. Her department…
  • How to Update Your Wardrobe on a Budget

    Nancy
    29 Jul 2015 | 6:40 am
    Ladies and Gentleman, it’s time to update your wardrobe! Wait! Before you pull out your credit cards and go on a much needed shopping trip, for the latest crop top, festival wear, yoga pants, or office outfits – let me share some of my tips for updating your wardrobe on a budget. Keep in mind that these tips can be applied to your entire family! Look for sales on social media and sign up for store emails Is there a particular store that you want to visit? Check out their social media channels first and visit their website for store emails or promotional codes. I have found many codes…
  • I’ve Graduated! Now What? How to Prepare For Your Career.

    Nancy
    23 Jul 2015 | 7:38 am
    Congratulations to the class of 2015! It’s been a few weeks since you’ve graduated and now it’s time to kick back, enjoy the summer…and wait… does that mean you’re an adult? You’re not going to school next year, you’ve graduated college or university and so the logical next step would probably be to find a job. Ok, no problem. You have a degree, so you’ll be fine. Right? Before you drop everything in a panic, don’t worry I’ve been in the same position. I need you to take a deep breath. Yes, you did graduate. Yes, you don’t need to go to school in September. Yes, you…
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    Bankrate.com » Rates

  • Mortgage rates in Washington, DC

    Clare Mallen
    27 Aug 2015 | 5:30 am
    Here are the weekly updated mortgage rates for Washington, D.C., including the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    27 Aug 2015 | 5:10 am
    See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Miami, Florida

    Clare Mallen
    27 Aug 2015 | 5:00 am
    See weekly updated mortgage rates in Miami for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loan.
  • Mortgage rates in New York, New York

    Clare Mallen
    27 Aug 2015 | 4:55 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 New York metro.
  • Mortgage rates in Houston, Texas

    Clare Mallen
    27 Aug 2015 | 4:50 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 Houston.
 
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    The Travel Sisters

  • Instant Rebate on Purchase of Visa Gift Cards at OfficeMax; Rebate on Purchase of Amex Gift Cards at Staples; Plastiq

    Patti
    28 Aug 2015 | 10:19 am
    Just a reminder on a few current MS opportunities: Instant Rebate on Visa Gift Cards at OfficeMax Stores This week, OfficeMax is giving an instant rebate on the purchase of Visa gift cards through tomorrow, Saturday, August 29.  The rebate is for $15 off in-store purchases of $300 Visa gift cards.  There is a limit of 2 orders per customer so you can purchase $600 in Visa gift cards at once and receive an instant rebate of $30.  There should be a sign in the store advertising the sale.  I have not had a chance to stop by OfficeMax this week but will try tomorrow. This is a good way…
  • Lounge Review: Lufthansa Business Lounge – Eleftherios Venizelos Airport (ATH) Athens, Greece

    Matilda
    16 Aug 2015 | 9:53 am
    The Lufthansa Business Lounge at Eleftherios Venizelos Airport (ATH) (along with its neighbor, the Aegean lounge) is located in the Schengen area, near gate B12.  This is all the way at the end of the hall, before security. Disclaimer: My visit was at 4:30 am, so I apologize for the shoddy photos. Despite the early hour, check-in desk staff was friendly and perky.  They gave a quick rundown of everything and even offered me an iPad to use while in the lounge. The lounge itself was small.  Finding a seat was not an issue as there wasn’t much of a crowd. Two types of seats were…
  • 1,000 Bonus United Miles for Using Visa and Passport Provider

    The Travel Sisters
    10 Aug 2015 | 4:56 pm
    For anyone that is planning on using a visa and passport provider in the near future, you might want to keep VisaCentral in mind.  VisaCentral has partnered with United to offer bonus miles for using their services. Here are the details: Earn bonus MileagePlus® award miles when obtaining a visa or passport through VisaCentral: 1000 Miles for Visa or Passport 500 Miles for Australian ETA or US ESTA The website also claims that United MileagePlus members will enjoy preferred rates.  I’ve never used VisaCentral so I cannot vouch for their service or prices.  Regardless for anyone…
  • 750 Free United Miles – Quick and Easy!

    Patti
    10 Aug 2015 | 9:03 am
    There is currently an opportunity to earn 750 free United miles.  The whole process is very simple and takes only one minute.  All you have to do to earn the 750 free United miles is sign up for a MyPoints account. While 750 miles are not a lot, every bit helps. I always take advantage of any easy opportunities to earn free miles and they add up over time.  Another plus is that earning these miles will extend the expiration date of any existing United miles. What is MyPoints? According to the website, MyPoints is rewards program that earns points for shopping, taking surveys, playing…
  • Flight Review: American Airlines First Class, NRT – ORD

    The Travel Sisters
    1 Aug 2015 | 12:11 pm
    American Airlines 154 Boeing 777-200 Tokyo Narita (NRT) -Chicago O’Hare (ORD) First Class Seats: 3D and 3G We’ve flown international first class on American Airlines 777-200 several times in the past few years (click here and here for our last two reviews).  This was most likely our last time as American Airlines is removing first class from its Boeing 777-200s to install a new business class. Seats There are 4 rows in a 1-2-1 configuration for a total of 16 seats. As usual, we chose middle seats so we could lower the divider and chat during meal service. The seats are swivel…
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    Advantage CCS » Blog

  • The Birds and the Bees…But What about Financial Fees?

    Kristen Hackett
    26 Aug 2015 | 1:11 pm
    The time has come. After various college visits, SAT’s, high school graduation- your first born child is finally off to college to endeavor on a journey of knowledge and independence.... The post The Birds and the Bees…But What about Financial Fees? appeared first on Advantage CCS.
  • How to Budget for a New Baby

    Lauralynn Mangis
    20 Aug 2015 | 12:48 pm
    Having a baby is one of the most joyous and exciting events that could ever happen to you! It’s also a little financially scary, and maybe even an emotionally scary... The post How to Budget for a New Baby appeared first on Advantage CCS.
  • Budgeting for Back to School

    Lauralynn Mangis
    13 Aug 2015 | 9:02 am
    In our last blog post, we discussed some ways to save money on back to school shopping (check it out here). Now, we’re going to take a look at how... The post Budgeting for Back to School appeared first on Advantage CCS.
  • Save Money on Back to School Necessities

    Lauralynn Mangis
    7 Aug 2015 | 8:32 am
    Parents everywhere are getting excited because it’s almost time for kids to head back to school. However, some parents might be dreading the expenses that come with sending their children... The post Save Money on Back to School Necessities appeared first on Advantage CCS.
  • Single Working Women’s Day

    Lauralynn Mangis
    30 Jul 2015 | 11:26 am
    Every August 4th is international Single Working Women’s Day. It’s a day reserved to recognize the important role that single working women play in our communities and societies. There are... The post Single Working Women’s Day appeared first on Advantage CCS.
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    perfectmarketingequation.com

  • Internet Marketing – The 7 Pillars of Website Success

    Tammy Hawk-Bridges
    10 Aug 2015 | 6:44 pm
    The purpose of a website is THE MOST mis-understood piece of building an Internet marketing strategy. Most people use it as an over-priced business card. Your website is supposed to create traffic, leads, and revenue opportunity. When it accomplishes this task – your Internet marketing strategy is sound! Now if you’re smart, you’re using social media sites like Twitter and Facebook to drive traffic to your website. If you’re even smarter you’re paying for website traffic through Facebook advertising and other avenues. Yes. (Smart) People pay for website…
  • The Ability to Stay Focused – The Core of Any Success

    Tammy Hawk-Bridges
    3 Jun 2015 | 4:21 pm
    The ability to stay focused is at the core of ANY success. If you aren’t focused in your business and don’t have a clear idea of your goals and purposes, you’ll ALWAYS struggle. I’ve never been shy about telling people my entrepreneur story. If you haven’t heard it, I’m a recession-entrepreneur. I was shoved from a job that I absolutely loved for almost 9 years. I guess in my ignorance/bliss of loving my job it never occurred to me that could happen. It never entered my mind that my job could be taken from me and everything I worked for over 9 years would…
  • Marketing Strategies – Survive or Thrive in Your Business?

    Tammy Hawk-Bridges
    2 Apr 2015 | 6:14 am
    Very often I will get asked by a business owner, “How can my business survive in today’s marketplace?” My heart breaks a little when I hear the question, I find it painful that one has the goal of merely surviving. I want every business owner to have the goal of thriving. It’s possible! You’ll first need to understand why the marketplace is so tough, then its matter of coming up with a marketing strategy and plan of attack. Let’s determine the reasoning behind the more difficult economy. First, it’s important to understand that most everything that…
  • 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…
 
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    GeorgetteMillerLaw.com

  • 5 Personal Finance Books You Need to Read

    Georgette Miller
    24 Aug 2015 | 7:00 am
    One of the most essential skills that every adult should understand is to manage their personal finances without falling into debt. Everyone understands the value of steady income, but it is easy to become wasteful without the right type of guidance. Anyone that learns to save money and use it as a tool to increase finances has the ability to achieve any financial goals that they set. Reading the financial guides at a bookstore is a great place to start learning. Not all advice is worth listening to so we have listed a few essentials to begin the journey to … Read the rest The post 5…
  • 5 Tips About Loan Modifications You Can’t Afford To Miss

    Georgette Miller
    17 Aug 2015 | 7:04 am
    Situations in life are always going to change and there is no way to prevent it, and most people are not prepared to handle the unexpected. Someone in the family may get into a serious accident, or the major financial provider in the household could get laid off. Keeping up with mortgage payments might seem impossible if finances suddenly decrease. There is always the option of making a short sale or foreclosure, but a loan modification could be the solution to actually keeping the home. This agreement alters loan terms so that they are easier to maintain with the restrictions … Read…
  • The Top 7 Benefits of Chapter 7 Bankruptcy

    Georgette Miller
    10 Aug 2015 | 7:00 am
    Filing bankruptcy is not a solution that a hard-working individual wants to turn to when finances get out of control. The unemployment rate was greater than 5% in 2014, and this number can easily fluctuate higher within a few short years. As more jobs are eliminated or hours are reduced, people are forced into financial situations they were unprepared to handle. Fortunately, there are great benefits for people that choose to file Chapter 7 bankruptcy to relieve the burden of multiple past due accounts. Put an End to The Phone Calls Creditors are allowed to reach out to inquire about ……
  • The 7 Biggest Personal Debt Mistakes You Can Easily Avoid

    Georgette Miller
    3 Aug 2015 | 7:00 am
    Proper money management is not second nature for most people, but it does not have to be learned through trial and error. A few simple mistakes along the road can cause serious consequences as you continue to fall into financial traps. Whether it is student loans, credit card debt, or not being prepared to handle the bills following a medical emergency, our tips will help you avoid common mistakes so that you do not live a life of constant struggle. Allowing Credit Cards to Put You In Debt Spending far beyond your means under the false security … Read the rest The post The 7 Biggest…
  • Can Chapter 7 Bankruptcy help you eliminate personal liability for business debts?

    Georgette Miller
    24 Jul 2015 | 7:05 am
    It is true that filing Chapter 7 bankruptcy is a way to clear all liability for business debts, but it’s important to find out if it is truly a personal responsibility. A business that is not organized on personal credit would actually need to file a different type of bankruptcy. Start by figuring out if the business is structured as a corporation, LLC, sole proprietorship, or partnership to determine liability for the debts. An individual may be responsible if any contracts were signed with a personal name or personal property was used as collateral for any reason. … Read the…
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    Sanjay Matai, The Wealth Architects

  • All about Credit Score and importance of the same

    Sanjay Matai
    27 Aug 2015 | 10:30 pm
    The concept of Credit Score is still quite new to India. As such, very few people are aware of it and ignorant about its significance.In fact, it is known more commonly by a specific name... CIBIL Score (we shall see later, why).Therefore, I suppose a detailed overview about it would be quite useful.What is a Credit Score?Credit Score is a 3-digit number, that summarizes the quality of your borrowing history.The details of all your loans availed in the past, are analyzed to arrive at a single number — called the Credit Score — which determines whether you are "good borrower" or…
  • Historic crash in stock markets? Oh, I didn't know that.

    Sanjay Matai
    25 Aug 2015 | 10:35 pm
    August 24, 2015 was a Black Monday for the stock markets across the world. I knew NOTHING about it.As a financial advisor and with more than 70% of my money invested in stocks, this would surely shock you.Was I stranded on some deserted island or lost in deep African jungles? No. I was very much in town and working. So how did I miss one of the biggest crash in the stock market in many years?Two reasons:First... I have been in the stock markets for around 25 years now. And, in these more than two decades, I have witnessed many such historic falls — and many historic gains too.So I have…
  • Company Fixed Deposits are toxic investments, avoid

    Sanjay Matai
    23 Aug 2015 | 10:39 pm
    Three important fixed-income product categories include- Bank Fixed Deposits (incl. Post Office Schemes)- Company Fixed Deposits (incl. NCDs)- Debt Mutual FundsIn your best interest, I would strongly advise you to NEVER invest in company fixed deposits.Of course, I have very valid and irrefutable reasons to make such a dramatic statement:1. Company FDs are extremely riskySuppose you run a company and want to borrow money for its day-to-day operations. What would you do? Naturally, you will approach a bank. Simply because (a) they offer loans at very competitive rates and (b) it is lot…
  • Your annuity pension payout option is needed, now

    Sanjay Matai
    20 Aug 2015 | 10:31 pm
    As you know, when your Pension Policy matures, you have to buy an Annuity Plan with the maturity amount.It is this Annuity Plan, under which your pension is paid out, post retirement.A typical Annuity Plan offers you many options to receive this pension. [Detailed write-up on the same is available at How you wish to receive pension in your Annuity].Presently, the insurance companies approach the policy holders to choose their Annuity payout option just before the vesting date. (Vesting date is when your Pension Policy matures and the payment of pension begins under the Annuity Plan.)In many…
  • Expect the dreaded Income Tax Notice when you...

    Sanjay Matai
    18 Aug 2015 | 10:20 pm
    Receiving an Income Tax Notice from your Assessing Officer, is perhaps one of the scariest things ever.This fear arises, primarily from two reasons (a) you have evaded tax and (b) you are ignorant or lazy about the tax laws.While you address the first issue, let me the talk about the second one.Some of the common reasons, that could invite an Income Tax notice, are enumerated below.1. When you do not file your Income Tax ReturnsI had covered this aspect, in detail, a few weeks back in my blog post Do I have to file income tax returns?.As discussed, it is mandatory for you to file your returns…
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    The Skint Dad Blog

  • Consumer Rights Act 2015 – Your new consumer rights

    Skint Dad
    26 Aug 2015 | 1:21 pm
    Helen Dewdney, blogger and consumer rights campaigner from The Complaining Cow and author of Amazon bestseller How to Complain: The Essential Consumer Guide to Getting Refunds, Redress and Results! previously wrote a blog post on 6 ways to protect your consumer rights. Here she explains the new Consumer Rights Act 2015 which comes into force... [Read More] The post Consumer Rights Act 2015 – Your new consumer rights appeared first on The Skint Dad Blog.
  • Back to School With The Works

    Skint Dad
    26 Aug 2015 | 7:49 am
    With only a couple of weeks left before the new school term begins, parents up and down the country are starting to panic as time is quickly running out to buy everything needed for the academic year ahead. With my eldest daughter entering her GCSE year and our middle daughter starting the last year before... [Read More] The post Back to School With The Works appeared first on The Skint Dad Blog.
  • 9 Easy Ways to Save Money on your Summer BBQ

    Skint Dad
    18 Aug 2015 | 3:09 pm
    Summer BBQs can get expensive with all the food and drink for your guests but there are a number of ways you can slash the costs of your BBQ this year. I always find summer a very busy time of year, just behind the festive season! As the weather is (usually!) warm and dry there... [Read More] The post 9 Easy Ways to Save Money on your Summer BBQ appeared first on The Skint Dad Blog.
  • Using a Credit Card The Right Way

    Skint Dad
    17 Aug 2015 | 7:11 am
    Paying on a credit card can be a fast way to fall into debt but, used sensibly, a credit card has many benefits which can work in your favour. There was once a time when I had four credit cards on the go and each one was maxed out to the hilt. In total I... [Read More] The post Using a Credit Card The Right Way appeared first on The Skint Dad Blog.
  • Does Going on Holiday Make You Happy?

    Skint Dad
    17 Aug 2015 | 6:57 am
    Taking two holidays a year can make you happier. On a budget two holidays can be a stretch so check out these budget holiday tips so you can be happy too! According to an infographic I’ve seen, the more holidays you have the happier you are. From those surveyed, you are happier if you take... [Read More] The post Does Going on Holiday Make You Happy? appeared first on The Skint Dad Blog.
 
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    ReadyForZero Blog

  • Three Times an Emergency Fund Saved Our Finances

    Erika Torres
    27 Aug 2015 | 12:28 pm
    Financial experts often tout the importance of an emergency fund. Many experts recommend that a true emergency fund should hold between six and nine months’ worth of living expenses in case of job loss. And even Dave Ramsey—the founder of Financial Peace University which encourages American couples everywhere to become “gazelle intense” when paying off debt—believes everyone should have at least $1,000 socked away for emergencies while paying off debt. But having an emergency fund—where you save up money and then just let it sit in the bank—is really hard to do. How do you set…
  • How to Find the Best Cash Back Credit Cards

    John Schmoll
    26 Aug 2015 | 1:00 pm
    Would you like to get money back for your normal spending? It may sound impossible, but it isn’t. Some of the best cash back credit cards allow you to earn up to five percent, if not more, cash back on your spending. I tend to prefer travel rewards cards as they help us travel for next to nothing though cash back credit cards can be a great addition to your wallet. If you want to know how to find some of the top cash back credit cards available, here’s the information you need. Where Can You Find Cash Back Credit Cards? There are many rewards credit cards to choose from including…
  • 5 Must Have Habits That Will Pave the Way Towards Financial Success

    Kayla
    26 Aug 2015 | 8:00 am
    If you’ve ever tried to start a workout routine, you’re familiar with the inner struggle that occurs when you’re looking back and forth between your tennis shoes and the couch. You start to wonder how much one little workout really matters in the long run. It isn’t until exercising becomes a habit that you are able to silence the persistent voice that swears your time would be better spent zoned out in front of the TV. Financial success is built from the same foundation: positive habits molded from persistence. Here are five habits to start implementing today. Habit 1: Performing…
  • How to Find the Best Travel Credit Cards

    John Schmoll
    25 Aug 2015 | 1:00 pm
    I have a confession to make – I love to travel. I always have. After going to Europe when I was nine years old, I was instantly hooked. Thankfully, I married someone who shares my fondness for travel. There’s a slight problem, though, traveling with a family of five can get quite expensive. According to American Express, the average cost for a summer vacation is just under $1,200 per person. You do the math; it can get expensive awfully quickly. This is where travel credit cards come into the picture. Thanks to some of the best travel credit cards we have been able to travel for free,…
  • Why You Should Call It a Freedom Fund, Not a Savings Account

    Kayla
    25 Aug 2015 | 8:03 am
    I spent a significant part of the last year in a battle with myself over whether to stay at a comfortable office job in which the benefits were virtually impossible to beat, or leave for the pursuit of something more fulfilling. What began as a feeling of unease steadily grew into a gnawing worry that staying put would mean feeling stuck forever. When I woke up one day wishing I was sick so I wouldn’t have to sit for another eight hours in my cubicle, I knew that change was no longer a choice – it was a necessity. Never being one to take a decision with such massive financial implications…
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    Kali Hawlk

  • Do You Feed the Good Wolf or the Bad?

    Kali Hawlk
    27 Aug 2015 | 4:00 am
    There’s a Cherokee story about two wolves, and it serves as an excellent parable. It goes something like this: One evening, an elderly Cherokee brave told his grandson about a battle that goes on inside people. He said, “my son, the battle is between two ‘wolves’ inside us all. One is evil. It is anger, envy, jealousy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, and ego. The other is good. It is joy, peace love, hope serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion, and…
  • The Army of Tiny But Ferocious Voices

    Kali Hawlk
    20 Aug 2015 | 8:13 am
    Most people who are capable of doing more have no idea they can choose to do so. Creating a life that means something to you, that brings you fulfillment and joy, is possible. And you can choose this. It’s not something bestowed upon a lucky few. You can consciously pursue a path that brings you satisfaction. Finding happiness through meaningful work is a wonderful way to show our appreciation for the time we have here. So how do you start? Start by acknowledging your power to choose. You can create an intentional, mindful life by taking deliberate action and tuning in to your own…
  • Have a Little Faith in Yourself Today

    Kali Hawlk
    13 Aug 2015 | 8:01 am
    I’m highly skeptical by nature. My favorite question is “why?” I find universal laws in science absolutely fascinating and I love reading about astrophysics and quantum mechanics; I’m less struck by the idea of having faith in.. well, anything. If you have faith, that means you have complete confidence or trust in something. You believe in a person or a thing without needing proof to validate your belief. For most of my life, I’ve felt that this is a dangerous position to put yourself in. In the past few years, however, I learned that making a living from…
  • How to Start Before You’re Ready

    Kali Hawlk
    6 Aug 2015 | 4:00 am
    Conventional wisdom tells us that to know where we want to go and how to get there, we must first understand where we are. We must love ourselves before we can properly love others. We need to take care of ourselves before we can provide for anyone else. And yet, when you want to make more in your life — be it through money, work, or art — you must start before you’re ready to go. This is a huge challenge, to start before you know who you are, what you’re doing, where you really stand, or where you want to put yourself in the future. Who are you, really? Why…
  • What Are Your Creative Blocks?

    Kali Hawlk
    30 Jul 2015 | 1:47 pm
    Earlier today, I had a conversation about the biggest block that holds me back from doing more with my work as a creative. It’s one that’s likely familiar to you if you’ve ever tried to make.. well, anything. It’s impostor syndrome, or, according to Wikipedia, the “psychological phenomenon in which people are unable to internalize their accomplishments.” Although I want to make a living as a creative professional, thoughts like this stop me: I’m not good enough at writing to make a living of it. I’m not creative enough. I’m not…
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    Understanding and Improving Your Credit

  • Simple Steps To Help You Improve Your Credit Score

    NEWHORIZON.ORG
    17 Aug 2015 | 10:52 am
    Does thinking about your credit rating give you nightmares? The following advice will help you fix your credit and be proud that you were able to execute these steps without having to hire a credit repair company. The first thing…Read more →
  • Starting Your Own Business? Make Sure You Check Your Credit

    NEWHORIZON.ORG
    7 Aug 2015 | 9:14 am
    Its official, you finally decided to take the leap into entrepreneurship and start your own business. Everything seems to be great, however you need to have your new business venture funded. There are different funding options available and in order…Read more →
  • How to Start a Commercial Carpet Cleaning Business [2]

    Melanie Mathis
    1 Jul 2015 | 9:44 am
    Commercial cleaning is one of the easiest as well as lucrative businesses that an entrepreneur can start. This type of business however requires the same type of dedication and persistence that any other type of business will require. Commercial carpet…Read more →
  • Checklist For Starting Your Own Business

    NEWHORIZON.ORG
    8 Jun 2015 | 8:10 am
    If you are going to start your own business, there are a few things you should be clear about.   1. Identify a viable product or service 2. Prepare a detailed Business Plan that answers the following questions: The Business…Read more →
  • Dangerous Mistakes You Are Making With Your Credit Card

    NEWHORIZON.ORG
    1 Jun 2015 | 8:22 am
    Credit cards are very helpful if you use them well, but they can go terribly wrong, if you make some of the mistakes you will be warned against in this article. If you have bad credit, you should know there…Read more →
 
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    BadCreditResources.com | Your Source For Bad Credit Financing

  • Fix Your Credit Now With These Easy Tips

    Shelly Evans
    9 Aug 2015 | 5:27 pm
    Whether you got your credit cards on your college campus, got carried away on one too many shopping sprees or got hit hard by the recent economic downturn, you probably did some damage to your credit. The following tips will help you take steps to begin to repair it. TIP! If credit repair is your […] The post Fix Your Credit Now With These Easy Tips appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • How To Save Money On Subprime (Bad Credit) Car Loan

    Shelly Evans
    23 Jun 2015 | 12:53 pm
    How to Save Money on Bad Credit Car Loans Just because you have a low credit score does not mean that you cannot get a car loan at an affordable rate. A Subprime car loan or a bad credit car loan is meant for car buyers with a poor credit history and a low credit score. Subprime […] The post How To Save Money On Subprime (Bad Credit) Car Loan appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • Credit Privacy Numbers (CPN) CAN NOT Erase Bad Credit!

    Shelly Evans
    9 Jun 2015 | 2:47 pm
    People with bad credit are often quite vulnerable and targeted by scammers looking to make a quick buck at their expense. One of the new tricks doing the rounds is the credit privacy number (a.k.a credit profile number) or CPN. Basically, someone approaches you, promising to wipe out your negative credit history by giving you […] The post Credit Privacy Numbers (CPN) CAN NOT Erase Bad Credit! appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • Easy Steps You Can Implement Today To Improve Your Credit Score

    Shelly Evans
    30 May 2015 | 8:34 pm
    Most people realize that a good credit score is crucial for financial success, but not everyone understands what it actually is. A credit score is a three digit number calculated from your credit report and helps lenders determine your approval and interest rate for mortgages, loans, or credit cards. A FICO credit score, the kind […] The post Easy Steps You Can Implement Today To Improve Your Credit Score appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • Steps To Keep You From Being Foreclosed On

    Shelly Evans
    10 May 2015 | 6:16 am
    Failing to keep up with your monthly mortgage can put you in a very dangerous possibility – foreclosure. If you find yourself in this uncalled for situation, don’t lose hope. There are still some steps you can do to straighten things out. The post Steps To Keep You From Being Foreclosed On appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
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    Financial Freedom Inspiration

  • Setting clear financial goals

    Usiere
    26 Aug 2015 | 2:37 pm
    One main reason many have challenges making smart financial choices is due to lack of clear financial goals. Without clear financial goals, it is almost impossible to save and invest consistently, you will always find excuses not to. If there is no strong enough reason why, it is very difficult to maintain any course of The post Setting clear financial goals appeared first on Financial Freedom... This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to…
  • Before you venture into that business

    Usiere
    19 Aug 2015 | 1:22 pm
    Anytime the subject of multiple sources of income comes up, one of the frequently questions I get is what business to go into to generate income or monthly cash flow. Business is not something you jump in head first, looking at where others seem to be making money and try to get a piece of The post Before you venture into that business appeared first on Financial Freedom Inspiration. This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to hear from you.
  • What should I invest in?

    Usiere
    14 Aug 2015 | 6:25 am
    Nigeria is currently passing through a financial storm. Financial storms are normal occurrences. They come and go. The reason it seems to be a big deal is that we were caught unprepared. However, getting here did not happen overnight. The handwriting was on the wall for years. Before a hurricane makes landfall, meteorologists can see The post What should I invest in? appeared first on Financial... This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to…
  • Financial Security has many aspects

    Guest Writer
    14 Aug 2015 | 12:39 am
    By Sushil Kumar Financial security has proved elusive for many American citizens in recent years. The Collateralized Debt Obligation (CDO) Crisis caught even the sharpest financial brains unprepared so ordinary people had little chance of seeing it coming. With hindsight and deep analysis it may be clear that it was an accident waiting to happen The post Financial Security has many aspects... This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to hear…
  • Cut your costs: try these 3 tips

    Guest Writer
    11 Aug 2015 | 3:22 pm
    By Kevin Fullerton Do you ever lie down, put your head on your pillow and wonder what it would be like to be a millionaire? You could be sleeping on a bed of money, riding jet skis round and round your private moat, flying to far-flung exotic locations and buying companies like you were doing The post Cut your costs: try these 3 tips appeared first on Financial Freedom Inspiration. This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to hear from you.
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    MoneySmartGuides.com

  • Considering Day Trading For The First Time?

    Jon Dulin
    28 Aug 2015 | 4:26 am
    While I mainly talk about long-term passive investing here on Money Smart Guides, I know that day trading is of interest to many. As a result, today’s post is going to cover some key items you need to take into account BEFORE you try your hand at day trading. Day Trading sometimes gets a bad name. It can invoke some unsavory memories from a Wall Street past, one where sweaty men in suits made and lost millions in seconds, while clouds of tobacco smoke hung thick in the air. But today, day trading has gone mainstream. You no longer have to live near a major trading center as in the days…
  • Keeping Calm When The Market Is Falling

    Jon Dulin
    24 Aug 2015 | 4:57 am
    Last week, especially Friday, was tough on investors. I looked at the market around 2pm and saw it down about 300 points. Later that night I was surprised to hear it was down over 500 by the close. The market itself is now down over 10%, and the news, as usual, is pulling out all their tricks to get you emotionally charged up and act on those emotions. I am here to provide a little bit of reasoning to the stock market. Read below for 4 tips to stay calm when the market is falling. 4 Reasons to Stay Calm When The Market Is Falling Corrections Happen All Of The Time A correction is when the…
  • Is It Time To Buy Your Own House or Continue Renting?

    Jon Dulin
    21 Aug 2015 | 4:05 am
    Are you considering the pros and cons of renting vs. buying a house and how it will affect your finances in the long run? Well, hundreds and thousands of people in the world have the same dilemma, so how do you decide? This could be the second, third or hundredth article you’ve read to satiate your question, but what really are factors you should consider why trying to decide? Will we ever answer this question since the dawn of residential industry – should I buy my own home or just continue renting??? In this market, you have to consider a number of factors when deciding whether to rent…
  • The Joys of Debt Free Living

    Tahnya
    19 Aug 2015 | 4:15 am
    Happy Wednesday!! Please welcome Tahnya, who will be sharing stories with us every other Wednesday. She got herself into debt trouble and dug herself out – all while being a financial planner. Learn from her debt experience so that you don’t repeat the same mistakes she did. Be sure also to check out her site, Tahyna Kristina. Paying off debt can be hard, trust me I know. I found myself over $50k in debt in my mid 20s. Actually I was only $20k in debt and I didn’t see a problem with being in debt so I didn’t do anything about it. I kept spending money I didn’t have and…
  • Building My Niche Site: Part #7 – Longer Term Update

    Jon Dulin
    14 Aug 2015 | 4:15 am
    Welcome back to my series on building a niche website! It’s been a while and I was going to call this a long-term update, but I used that for part 6. So I had to get creative and longer term update fit the bill. If you missed the previous posts, you can click here to get caught up. Updates Since My Last Post I left off last time telling you that nothing really happened with my niche site. It got lost in the shuffle of daily life as well as all of my other sites. I have done a “little” better job now, but am still not giving it the love that it deserves. With that said, I do have some…
 
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    Blog.DontPayFull.com

  • Frugal Friday Tips: 5 Tips For Parenting An Introvert

    Oana Schneider
    28 Aug 2015 | 12:02 pm
    Hello, money-savers! Another week passed by, which means we are getting closer and closer to the holiday season, starting with Labor Day and ending with the New Year. You’ve probably read a lot of good articles online this week, and so have we, which is why we made this list of 10 Frugal Friday essential reads. Check them out to find out about college money, what to do in September and more. Enjoy! 5 Tips For Parenting An Introvert – Parenting Squad It’s that time of the year when kids start school and if you are a parent, you know just how important it is to choose the best education…
  • 10 Reasons Why Fall Is More Expensive Than Summer

    Oana Schneider
    27 Aug 2015 | 10:46 am
    Each season has its own ups and downs. During the spring season, some people get allergy attacks due to the pollen so they can hardly wait for the summer months. The upside of the summer season is that you get to be with friends and family and go on one summer trip after another. The downside is that if you did not prepare in advance, it will take its toll on your budget. For the winter season, there’s the holidays to look forward to but the not-so-good thing is the expense associated with the celebrations. What about the fall season? As compared to summer, exactly what is it that makes…
  • 10 Very Smart Things to Do with Your Retirement Money

    Oana Schneider
    26 Aug 2015 | 12:22 pm
    If you are about to reach your golden years, retirement is looming. There are some who opt to delay retirement to work a bit longer because they don’t have enough funds saved up yet, while others have built a decent nest egg so they’re already planning what to do once they are officially out of work. If you’re at that point when you are merely counting down the days before you are called a retiree, you might want to familiarize yourself with the top smart ways that you can spend your retirement fund. That’s exactly what we will find more about here. Retirement-Related Statistics…
  • 12 Cheap Ways To Welcome Fall This Year

    Oana Schneider
    25 Aug 2015 | 3:40 pm
    Fall is a great season if you plan it well and take a few things into consideration. We came up with a list of 12 ways in which you can welcome fall this year, combining your desire to save money with fun activities. See which one you like best! In case you didn’t know, here are the starting dates of the four seasons of the year: Spring – March 20 Summer – June 21 Fall – September 23 Winter – December 21 The change of these seasons are determined by shifting sunlight, which is affected by how the Earth orbits the Sun. The tilt of our planet’s axis also determines the changing…
  • 10 Frugal Ways to Become a Morning Person

    Oana Schneider
    24 Aug 2015 | 9:28 am
    Are you the type of person to wake up even before the alarm sounds, or do you hit the snooze button too many times because you just can’t seem to find the energy to get out of bed? There’s nothing wrong with being a night owl but if you want to interact with people while the rest of the general population is awake, you might want to change your sleeping hours. Here, we will take a look at the top ten inexpensive ways for you to become a morning person. Why does it Pay to be a Morning Person? Generally, there are three sleeping patterns or categories which are called chronotypes: 20% of…
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    MyBankTracker

  • Why My Dad Allowed the Financial Boogeyman to Terrorize Him

    Rebecca Lake
    26 Aug 2015 | 8:29 am
    Everyone has their version of a financial monster that keeps them up at night, causes stress and even drives them to make bad money choices. I’m certain you are familiar with this monster and how it triggers your deepest anxieties and fears. Perhaps you agonize over the decision to foreclose on your house. Maybe you can’t keep up with your credit card debt, or fear you don’t have enough money saved. Are you letting the financial boogeyman terrorize you? For my dad, his biggest fear was having bad credit. The decisions he made were a result of his anxiety and fear — it…
  • How This Dad and Blogger Plans to Retire by 43

    Claire Tak
    25 Aug 2015 | 9:00 am
    If you’ve been keeping up with finance news as of late, you’ll know that many Americans have not saved enough for retirement. Poor planning, spending frivolously and a struggling economy are all factors behind why many of us worry about financial security when we reach our golden years. But wait! Some of us are going against the norm and building an impressive portfolio of retirement funds that leave the rest of us asking, “How’d they do that?” Here’s Carl, with his daughter. A few years back, we met Carl, who created a blog dedicated to his retirement…
  • Asking How Many Bank Accounts You Need Is Stupid

    Simon Zhen
    21 Aug 2015 | 9:32 am
    “How many bank accounts do I need?” It’s a frequently asked question by many people who think that there’s a magic, one-size-fits-all number of financial accounts that everyone should have. Just try Googling that question, and there are actual stories that tell you the exact number of how many accounts you should have! The truth is, there is no magic number. A person can be financially stable, regardless of whether he has one bank account or 100. However, it’s common for many Americans to have accumulated more bank accounts than they need. Just like having too much stuff can be…
  • An Uncomplicated Guide to Hacking Your Perfect Credit Score

    Rebecca Lake
    18 Aug 2015 | 7:55 am
    Your credit score is like an adult report card that shows how responsible you are with your money, and how much of a liability you would be if a bank were to lend you money. I know, it all sounds so boring. So, why should you care, and why does it matter? In a few words, having a credit score that is considered “excellent” vs. “good,” can mean a difference of thousands of dollars the bank could “get you” for interest. So, let me rephrase the two questions I just asked you: do you care about saving money? Do you care that you’re unnecessarily paying…
  • Living the American Dream Means Being Poor on Purpose

    Simon Zhen
    12 Aug 2015 | 12:04 pm
    As I walk through New York City’s bustling Chinatown, I’m surrounded by a crowd of mostly Chinese immigrants scurrying in and out of restaurants, markets and shops. I rush past a large group of tourists trying to score the best deals on fake designer bags, trinkets and knickknacks. The smell of fresh fish, sweet bread and sidewalk trash fill the air. Canal Street in NYC’s Chinatown Flickr…
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    NerdWallet Credit Card Blog » Cities

  • The Most Educated Places in America

    Sreekar Jasthi
    3 Aug 2015 | 5:00 am
    Many cities might think they have the most skilled workforce or smartest residents. That can’t be measured, but we can discover which are the most educated cities and other places in America. College towns surprisingly don’t dominate our list even though new grads often decide to stay and launch their careers in the city where they went to school. To find the most educated places, NerdWallet analyzed U.S. Census Bureau data on the educational levels of residents in over 2,000 places. See the methodology section at the end of this article for more details. High school and college…
  • Best Small Cities for Working Parents

    Sreekar Jasthi
    14 Jul 2015 | 5:00 am
    Being a parent is a job in itself, which means that most married Americans with children are essentially working two jobs. In fact, 63% of families with children have two parents in the labor force, according to the U.S. Census Bureau’s American Community Survey. When raising a family, working parents consider a variety of factors — such as their income potential, affordability, child care costs, quality of schools and the community. Since all of these are heavily dependent on where they live, NerdWallet analyzed nearly 1,000 places across the U.S. with populations from 25,000 to 100,000…
  • Healthiest Cities in Washington

    Jonathan Todd
    13 Jul 2015 | 5:00 am
    When it comes to living an active lifestyle, Washington has all the bases covered — on land and water. You can jog at Seattle’s Gas Works Park, climb to the top of Mount Rainier or kayak around the San Juan Islands. Of course, these aren’t the only ways residents of the Evergreen State stay fit. The percentage of commuters hopping on bikes is double the national average, and those using public transit ranks as the seventh highest in the nation. So in health-conscious Washington, which cities stand out as the healthiest? To find the locations that are best for your well-being,…
  • Healthiest Cities in Oregon

    Jonathan Todd
    6 Jul 2015 | 5:00 am
    To get a sense of just how healthy the residents of Oregon are, take a walk around Portland on any day. Rain or shine, cyclists and runners can be found on the streets and trails. Add to that the abundance of restaurants that serve only locally grown, fresh ingredients from organic farms, and you can understand why the statewide obesity rate is below the national average. Of course, it’s not just Portland. The state’s natural beauty — at places such as Crater Lake National Park and Multnomah Falls — encourages people to venture outside and explore from the coast to the mountains.
  • Which MLB, NBA, NFL Teams Are the Most Cost-Efficient With Payrolls?

    Sreekar Jasthi
    6 Jul 2015 | 5:00 am
    It’s no secret that professional sports teams spend staggering amounts of money on their players. When added all together, the roster payrolls for franchises in the NFL, NBA and MLB total almost $113 billion since 2000. But not all franchises use their money in the most cost-efficient way. The best teams in sports over the past decade and a half, such as the Patriots and Spurs, have been known to get the most bang for their buck. NerdWallet analyzed win-loss records and payroll data since 2000 to figure out which teams in Major League Baseball, the National Basketball Association and the…
 
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    Glomaker

  • Are You Paying Too Much Tax?

    admin
    18 Aug 2015 | 2:55 am
    If you’re a tax payer in Belgium, Germany or Denmark, chances are that you’re paying a lot more tax than citizens of other European countries – in fact, most probably, more than anyone else in the entire world! This is definitely the case for those people registered for tax reasons in Switzerland, Luxembourg or Hong Kong – for these places are some of the largest tax havens in the world, where tax is something you seemingly ‘choose’ to pay. Just ask Sepp Blatter of FIFA! Check out this infographic for more great tax stats ‘n’ facts. Credit:…
  • Can You Really Trust Your Bank?

    admin
    8 Jun 2015 | 2:40 am
    We regularly read about bank reform in the wake of the recession, but 57% of people do not believe these reforms are enough, and it’s amazing to think that 43% of people with savings no longer put them in the bank because of trust issues. In the US and the UK trust in banks has dropped 46% and 30% respectively, while trust in banks in China and India has risen by 12%. Banking scandal after banking scandal really hasn’t helped to resolve these trust issues. This infographic from eazycash.ca, outlines a three-pronged approach that will help the banks regain customers trust. Source:…
  • Unusual Taxes We’ve Had Throughout History

    admin
    17 May 2015 | 9:46 am
    We all have a view on taxes and I’m guessing they’re mostly unfavourable. The saying ‘the rich get richer and the poor get poorer’ definitely seems to ring true, especially in these hard economic times. Here in the UK, we’re into a second stint of a Conservative government and just days after the election, there’s already talk of new wave of austerity measures. Taxes aren’t new – in fact King John introduced a tax on wool exportation as far back as 1203, – and throughout the ages we’ve had some pretty unusual taxes to say the least.
  • For Richer or Poorer – You Decide

    Sue Plunkett
    17 May 2015 | 9:10 am
    It’s our basic human instinct to want what we haven’t got, and not want what we have – and it’s no different with relationships. We’ve all had those periods of singledom, living the fancy-free lifestyle, walking round the house in our pants, and doing what we want, when we want. Unfortunately, our human brains seldom cope with this state of continuous euphoria and trick us into thinking the grass is greener, and that we’d be better off in a stable grown-up relationship. Fast forward 6 months and we’ll be back yearning for those great times we used to…
  • Passive Investment Funds: Why It’s Worth Backing Them

    Rob Davies
    18 Feb 2015 | 6:33 am
    The arguments around passive funds, also known as trackers, index or evidence based funds is getting gradually louder and louder. While there are a lot of advocates for active management, and not just in the fund management industry itself, it supports substantial activity in the media, conference sector and other areas as well. The evidence of increasing flows into passive funds is proof positive that more and more investors choose to go for the simple low cost strategy of getting exposure across the market rather than a selected sub-set of stocks which are traded on a regular basis. Passive…
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    Credit Card Insider » InsiderCredit Card Insider

  • Chase Freedom Review – Cash Back Reward Credit Card

    Brendan Harkness
    28 Aug 2015 | 4:30 am
    The Chase Freedom® is a very popular rewards credit card, offering 5% cash back in categories that rotate throughout the year. You’ll also enjoy a 0% introductory APR for 15 months, and a $100 signup bonus for spending $500 in the first 3 months. Keep reading for more details on the many benefits you’ll find with […] The post Chase Freedom Review – Cash Back Reward Credit Card appeared first on Credit Card Insider.
  • Q&A Video: Do Credit Cards Have A Maximum Credit Limit?

    John Ulzheimer
    27 Aug 2015 | 9:16 am
    Credit cards come with a credit limit, the maximum amount you’re allowed to spend with the card (until you pay it off). These limits can be as small as $500, but they generally don’t get much higher than $30,000 for those with the best credit reports. Charge cards also have a limit to how much […] The post Q&A Video: Do Credit Cards Have A Maximum Credit Limit? appeared first on Credit Card Insider.
  • Q&A Video: Will I Build Credit Faster With Multiple Credit Cards?

    John Ulzheimer
    24 Aug 2015 | 11:25 am
    Will you build credit more quickly if you get more credit cards? It turns out that credit scoring is not so simple. While having more credit cards will give you more available credit and make it easier to keep a low utilization (improving your credit score), every new credit card you open will lower your […] The post Q&A Video: Will I Build Credit Faster With Multiple Credit Cards? appeared first on Credit Card Insider.
  • Q&A Video: What Will Happen To My Student Credit Card If I Graduate?

    John Ulzheimer
    17 Aug 2015 | 1:21 pm
    Getting a student credit card is a great way for a young person to start building a solid credit history. But what do you do with the card after you graduate? Can you upgrade, or do you need to cancel it? What kind of effect will that have on your credit? Learn the answers to these […] The post Q&A Video: What Will Happen To My Student Credit Card If I Graduate? appeared first on Credit Card Insider.
  • Q&A Video: How Do I Get A Perfect Credit Score?

    John Ulzheimer
    17 Aug 2015 | 8:58 am
    Perfect credit scores sound wonderful – but just how useful are they? It turns out that you won’t really get any benefit from those last few points, because lenders are prepared to offer their best rates to people with lower scores. But, if you are going for perfect but can’t quite get there, it’s probably […] The post Q&A Video: How Do I Get A Perfect Credit Score? appeared first on Credit Card Insider.
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    goday.ca

  • Understanding the TFSA Withdrawal Rule

    GoDay.ca Customer Education Team
    24 Aug 2015 | 3:13 pm
    If you’re using, or interested in setting up, a TFSA (tax free savings account) you probably are interested in making the most of your savings. Just recently, the federal government doubled the amount you can put into your TSFA, from $5,000 to $10,000! However, upon digging around the wonderful world… Continue reading
  • How To Get A Payday Loan

    GoDay.ca Customer Education Team
    18 Aug 2015 | 6:00 am
      The world of payday loans in Canada is different depending on which province you’re in, which company you’re dealing with and whether or not you’re choosing to apply for a payday loan online, or go into a retail store. However, there are some fundamental similarities between direct lenders (which… Continue reading
  • Payday Loan Rules To Know

    GoDay.ca Customer Education Team
    14 Aug 2015 | 6:00 am
    Canadian provinces offer some of the best payday loan regulations in the world. Though some provinces are currently working on implementing them for the first time, others like Ontario & British Columbia are paving the road to safer interactions, capped fees & other protections for consumers and lenders alike. What… Continue reading
  • 5 Ways To Make Your Paycheque Last Longer

    GoDay.ca Customer Education Team
    12 Aug 2015 | 6:00 am
      Consider this “5 Ways To Make Your Paycheque Last Longer” list more of a “budget overhaul” list than anything else! Are there ways you can tweak your spending to save you a little extra money between paycheques? Something minor might not seem worth it, but since a lot of… Continue reading
  • Payday Loan Update: Hamilton, ON In The News

    GoDay.ca Customer Education Team
    5 Aug 2015 | 6:00 am
      Payday loans are making headlines in Hamilton, ON, which also happens to be the city that HQ’s the Canadian Payday Loan Association. Hamilton is making the news recently as it could become the very first city in Ontario to regulate payday loan retail stores at a municipal level. The… Continue reading
 
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    MoneyMiniBlog

  • Never Stop Learning: 40 Places to Get Free Education Online

    Kalen Bruce
    27 Aug 2015 | 3:00 am
    Sure, there are plenty of places to learn online. You can always go to Google, YouTube and great blogs (like this one, right? Right?? Please tell me you love me!). Those are all great places to find information, but you already know about those and it’s easy to get distracted at such broad websites – especially YouTube…have you ever fallen into the just-one-more-related-video-in-the-sidebar trap? I spent a lot of time compiling these resources. Of course, I could have spent a lot more time, but you only live once – I’m using that phrase in the sense of time, not…
  • Investing in Property in a Digital Age [Infographic]

    Kalen Bruce
    24 Aug 2015 | 11:42 am
    Investing in real estate has never been easier. That doesn’t mean it costs any less, but the tools you need are out there. When my wife and I bought our rental, we did all kinds of internet research and we used all the tools we could find to help along the way. Buying and managing property is a breeze with all the online resources we have today. Whether you’re looking to buy one rental home or several apartment buildings, here’s how the digital age is changing real estate… Infographic:
  • 7 Money Saving Tips for Small Businesses

    Contributor
    21 Aug 2015 | 3:00 am
    If you happen to find yourself in a tricky situation wherein you have all the passion and determination to flourish your small business to great extents but do not have enough funds to support your dreams, then find yourself amongst many others facing a similar situation. The two vital ingredients for any business to grow are: Money and Innovative Ideas! Thinking of innovative ideas is entirely up to you, and we leave it on you; however, in this article, we will show you how to make and save money wisely for your business to grow. 1. Learn to negotiate Never make a mistake of considering your…
  • The Complete Guide to Keeping a Journal

    Kalen Bruce
    20 Aug 2015 | 5:48 am
    What do Benjamin Franklin, Winston Churchill and Theodore Roosevelt have in common?  A lot actually…but for the sake of this guide: journaling.  They all kept a journal. Notice how they didn’t just talk about keeping a journal.  They didn’t just say they wanted to keep a journal.  They actually did it.  And it was a Q&A a Day: 5 Year Journal Aitao Journal (With Wrap-String and Key) Markings by C.R. Gibson Evernote. You can always try an app like the WordPress.com and make your journal public? The options are endless. Honestly, I could talk about journaling all day,…
  • 6 Stocks You Should Invest in 2015

    Contributor
    19 Aug 2015 | 3:00 am
    Note From Kalen: I don’t make many stock recommendations, but this contributor made a few that I think are worth looking into. These are long-term stock picks, and I like that.  As with all investing, never make a decision to purchase without doing your own research first. Enjoy! The stock market can be quite overwhelming; whether you’re a seasoned pro or a newbie investor, there’s a lot of difficulties to navigate. It’s a complicated market, but if you put together KKD stock surge is typical for the donut supplier, which sees the strongest revenue flowing in from its locations…
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    Everything Finance

  • How to Find the Best Deals When Shopping Yard Sales

    Ashley Eneriz
    27 Aug 2015 | 2:30 am
    How to Find the Best Deals When Shopping Yard Sales is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Shopping yard sales is a great way to save money and find amazing items. The majority of yard sale prices beat eBay and thrift store prices with ease. However, it seems the ratio of good garage sales is about 5:1. This means it might take you five lackluster garage sales before you hit the ultimate one. Here are a few tips to find the best deals at a yard sale. Plan Your Trip I’ve had some success simply driving around my neighborhood…
  • 9 Hidden Costs of Selling a Home

    Kirsten Indebted
    26 Aug 2015 | 2:30 am
    9 Hidden Costs of Selling a Home is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Oh, the joys of home ownership! You saved up for years and finally bought the home of your dreams. Then, if you’re like many people, you realize it costs you way more to own a home than you had budgeted. Time passes, you get into a groove that allows you to actually afford your home, and then life happens and you need to sell it. It’s easy to start looking at comparable home sales in the area and see dollar signs. If you’ve owned your home for a few…
  • 5 Ideas for a Fun and Affordable Bachelorette Party

    Erika Torres
    25 Aug 2015 | 2:30 am
    5 Ideas for a Fun and Affordable Bachelorette Party is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Weddings used to be a one-day affair for couples to share their love and affection with their close friends and family. These days, weddings comprise a $51 billion dollar industry touting a year-long commitment from close friends and family that includes the engagement party, bachelor and bachelorette party, bridal shower, and the wedding itself. If you have the privilege (or curse, depending on how you look at it) to be chosen as a member of…
  • What to Do If Your Spouse Isn’t Frugal

    Robin McDaniel
    24 Aug 2015 | 2:30 am
    What to Do If Your Spouse Isn’t Frugal is a post originally published on: Everything Finance - Everything Finance - Its all about Money! What should you do if your spouse isn’t frugal? What if your spouse is all about spending some dough, and you’re all about saving it? If you are one of those people who is really into frugality with a spouse who’s a spendthrift, then I feel you. Such was my problem when I got married. When I first met my husband, he had a fancy boat, a new car every 6 months, and the new tech toy/i-Whatever that just came out. He spent money, and…
  • When to Save and When to Splurge on Your Kids

    Ashley Eneriz
    20 Aug 2015 | 2:30 am
    When to Save and When to Splurge on Your Kids is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Frugal parents are faced with a common dilemma. Spending too much on your children is unwise and can lead to spoiling them, but depriving them isn’t the best way to go, either. So where are parents supposed to draw the line to avoid ending up with an empty bank account? When to Save and When to Splurge on Your Child It’s only natural to want to give your children the best. I’m always astounded by how other parents spoil their kids,…
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    Finance Girl

  • Ways to be successful when setting up your online business

    Julie
    27 Aug 2015 | 2:30 am
    Photo credit: flickr.com Setting up an online business is one of the safest bets for the modern entrepreneur. The array of marketplace platforms has never been as wide and website templates are so easy to use even a kid could set up his own shop. Considering that 75% of small and medium businesses argue that online marketing is successful, it’s quite safe to say that the conditions are overall favourable. However taking success for granted is the biggest mistake you can make and you will never be sure to become an online sensation unless you follow a basic set of rules. So read on if…
  • Protect your Finances with a Robust Will

    Julie
    25 Aug 2015 | 1:20 am
    Photo credit: Flickr.com You look after your finances and, by extension, your family, throughout your life, yet it’s surprising how many people don’t make watertight arrangements for when they’re no longer around. There are various reasons: 23 per cent believe their estate will automatically go to their family, and 34 per cent don’t think they’ve got enough to warrant making a Will, according to the Law Society. A massive 83 per cent feel too uncomfortable to think about or discuss their end of life. Without a Will, though, you have no say in what happens to the wealth of…
  • Property Investment Secrets from Professional Buyers

    Julie
    25 Aug 2015 | 1:06 am
    Photo credit: flickr.com – marco Property investment has reaped great rewards for many over the years, both for those hoping for a quick return by selling on the property at a profit, and for those with longer term plans in the buy-to-let market. Before you decide to make the leap, make sure you’ve done all the necessary research and know exactly what you’re getting into. There are pitfalls as well as gains. Know Your Market You stand more chance of success, with less work, if you’re familiar with the area you plan to buy in. For instance, if you make the mistake of buying a small…
  • The Advantages of Investing In Shares

    Julie
    24 Aug 2015 | 7:26 am
    Photo credit: flickr.com Each individual living in this world has his own goals and ambitions and during the whole life he tries to make them come true. But for being able to achieve our desired goals one of the most important things that we need to have is money. There are people who monthly put some part of their salary aside or keep piggy banks trying to save some money for the realization of their desires while there is a certain category of people who invest their money in a specific field. There is such a widely spread opinion that only rich people can enter the boundless world of…
  • 5 thrifty things you can do to save money at home

    Julie
    20 Aug 2015 | 4:23 am
    Photo credit: Flickr.com Just about all of us are looking for things we can do to save money at home, right? Saving money just makes good sense in a time when personal financial management is becoming much more important. The challenge is figuring out what things you can do based on your skills and resources. We have a few suggestions you might find helpful. The key to saving money at home is stepping back and working out what you spend your money on. For most of us, the biggest expense will be housing, but housing is what it is. There is not much we can do to reduce housing expenses short of…
 
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    Innovative Advisory Group

  • The Stock Market Crash 2015 – 9 Stock Market Tips to Help You Sleep at Night

    Kirk Chisholm
    27 Aug 2015 | 10:20 am
    The Stock Market Crash 2015 – 9 Stock Market Tips to Help You Sleep at Night   “We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful” -Warren Buffett Stock Market Crash 2015 - Should you be scared? 2015 has been an interesting year for stock investors. 2015 started out with the S&P 500 opening at 2058.9. From there the index has fluctuated between +3.8% and -4.1%. When investors are accustomed to getting 6 years in a row of positive gains, it is hard to imagine what a down year looks like. In the past week the S&P 500…
  • Inflation Monitor – August 2015

    Kirk Chisholm
    19 Aug 2015 | 7:45 am
    Inflation Monitor – August 2015 Inflation Monitor Summary - Composite Ranking   * The Inflation Equilibrium is a quick summary for the whole data series of the inflation monitor. If you don't like statistics, this is the chart for you.   Inflation Monitor - August 2015 - Introduction The lazy days of summer are almost over. As the summer ends, the Wall Street traders and money mangers will also be going back to work. If you looked at a chart of the S&P 500 without the dates, you would not be able to tell which days were summer days and which were not. It looks like…
  • 10 Top Alternative Investments You Probably Have Never Heard of

    Kirk Chisholm
    10 Aug 2015 | 7:17 am
    10 Top Alternative Investments You Probably Have Never Heard of     “Curiosity about life in all of its aspects, I think, is still the secret of great creative people” – Leo Burnett Most people are familiar with the stock market. There are TV stations which have the stock market and stock market related information on 24 hours every day. It is hard to escape it. When the stock market crashes, it makes the headlines in every newspaper, news station, and media outlet. When it reaches all time highs, it is on every magazine cover, even the shoeshine boys are talking about it. But…
  • 10 self directed IRA tips to help real estate investors maximize profits

    Kirk Chisholm
    30 Jul 2015 | 7:20 am
    10 self directed IRA tips to help real estate investors maximize profits     “Self Directed IRAs are one of the best laws the US government has ever passed” Can I invest in real estate with my Self-Directed IRA? “Self Directed IRAs are one of the best laws the US government has ever passed”, an investor once told me. It is hard to argue that point. In 1974, congress passed the Employee Retirement Income Security Act, often referred to as ERISA, enabling US taxpayers to save money for their retirement in a tax deferred manner. The best part of this program (outside of the…
  • Inflation Monitor – July 2015

    Kirk Chisholm
    23 Jul 2015 | 7:05 am
    Inflation Monitor – July 2015 Inflation Monitor Summary - Composite Ranking * The Inflation Equilibrium is a quick summary for the whole data series of the inflation monitor. If you don't like statistics, this is the chart for you.   Inflation Monitor - July 2015 - Introduction I hope you enjoyed your Independence Day. While Greece may not have the same appreciation of our holiday, they had one of their own... A Bank holiday. While the Greek Crisis in Europe seems to be solved??? The greater problem persists. The Greek people voted a resounding "NO" on the terms and the Greek…
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    Trusted Single Mother Resources

  • Online Grocery Shopping — That’s a thing???

    Stacy
    16 Aug 2015 | 3:53 pm
    Trusted Single Mother Resources Trusted Single Mother Resources - Resource For Single Moms Grocery shopping is such a headache. Those long lists of shopping to be done, the vegetables to be brought or the spices to be sorted are such tedious task which takes a whole lot of time and energy which can be taking a toll on your life if you are a working woman. A combination [...] Online Grocery Shopping — That’s a thing??? Stacy.
  • Meet our Editorial Team!

    Stacy
    7 Aug 2015 | 4:08 pm
    Trusted Single Mother Resources Trusted Single Mother Resources - Resource For Single Moms We’d like you meet everyone who makes running this website possible. All these lovely ladies put in countless hours every week to help our readers and make sure that they provide the latest information! Learn about our authors! Stacy Montes As a mom to three girls Stacy knows the difficulties of being a single parent. [...] Meet our Editorial Team! Stacy.
  • How South Carolina Mom Liz Prelich Navigated Through Financial Odds

    Liz Prelich
    7 Aug 2015 | 8:08 am
    Trusted Single Mother Resources Trusted Single Mother Resources - Resource For Single Moms Liz Prelich, a single mother, shares her story through the ups and down of it all: I never planned or expected that I would become a single mother.  I was always determined and confident that my marriage would last, through thick and thin, and that our children would never experience divorce.  While what I had [...] How South Carolina Mom Liz Prelich Navigated Through Financial Odds Liz Prelich.
  • Online Internet Browsing and How You are Wasting More Time than You Think

    Stacy
    4 Aug 2015 | 3:53 pm
    Trusted Single Mother Resources Trusted Single Mother Resources - Resource For Single Moms How to make sure you aren’t wasting time online browsing The whole problem with the internet is that whenever you want to browse on a particular subject a lot of other ads keep coming up in these pages which makes the whole process a lot harder than it should actually be. You will only want [...] Online Internet Browsing and How You are Wasting More Time than You Think Stacy.
  • Single Mom Financial Help Interview: Becky King

    Stacy
    30 Jul 2015 | 11:09 pm
    Trusted Single Mother Resources Trusted Single Mother Resources - Resource For Single Moms Read Becky King’s Advice to Success as a Single Mom Here’s another single mother we’d love for you to meet, Becky King. Learn about Becky’s ways she leads herself and her children to success. Read on: Introduce Yourself. My name is Becky King, and I am a 47 year old single stay at home mom [...] Single Mom Financial Help Interview: Becky King Stacy.
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    One Smart Dollar

  • 6 Affordable Tech Tools Every Entrepreneur Needs

    Sean Bryant
    25 Aug 2015 | 7:00 am
    Being an entrepreneur means being always on, not to mention on the go, and doing more with less. Even after you’ve hit your fundraising goals it’s important to economize because that means you can prioritize. Spending money on growth instead of gadgets is one way you can max out your chances of hitting it big. But just because you’re starting out doesn’t mean you don’t have all the same responsibilities as the startup veterans. Here are six ways you can knock down your day-to-day to-dos without spending a lot thanks to the latest mobile technology and software:…
  • Leaving Corporate Security Behind: Are You Ready?

    Sean Bryant
    21 Aug 2015 | 7:00 am
    Once upon a time finding a cushy office job with a regular salary and great benefits was the dream. Unfortunately, that dream is quickly becoming unattainable for the vast majority of job seekers. Corporate downsizing, terrible corporate culture mechanisms, etc., have all made it incredibly difficult to find this type of job and even harder to keep it. It’s no wonder that so many people are choosing to jump corporate ship and go into business for themselves. It might also be due to the fact that the globalization of our work and sales venues has made it easier than ever to start just about…
  • How Social Media Calendars Can Help Your Business

    Sean Bryant
    18 Aug 2015 | 7:00 am
    Social media can help your business garner interest from new potential clients and customers. Posting on a regular basis can be difficult, and without a schedule your Twitter, Facebook, and other social media platforms might not get the attention they deserve. Here are some tips on how to organize a social media calendar that will increase the reach of your business across all platforms. Posts as Marketing Your social media posts are part of your marketing campaign. If you have future events scheduled for your business, you know how to plan. Carry those skills over to your social media…
  • Debt Is a Four Letter Word

    Sean Bryant