Personal Finance

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  • 3 Outdated Retirement “Rules” You Should Ignore

    MoneyNing
    Emily Guy Birken
    21 Jul 2014 | 5:00 am
    I have a love-hate relationship with financial rules of thumb. On one hand, I recognize that not everyone is going to spend as much time thinking about and researching financial topics as they should, and rules of thumb give them easy-to-remember guidelines for staying on track. But on the other hand, these types of guidelines are often inaccurate, outdated, or outright wrong — and following them can derail the very goals you’re trying to achieve. In particular, saving for retirement seems to be a subject that attracts these “rules.” What’s worse is that these rules will…
  • The Guide To Buying A New Home

    The Simple Dollar The Simple Dollar
    Michael Gardon
    23 Jul 2014 | 8:20 am
    It’s the American Dream, right? To own your own home, to put down roots and be responsible for your own little corner of the world. This is the case for most people, but if the 2008 financial crisis has taught us anything about home ownership, it’s that owning a home is not for everyone. Here are a few other facts about home ownership proven during this period: Home values do not always go up. If a lender says you don’t have to document your income, RUN! Not everyone can, or should, own a home. Your monthly payment isn’t the only cost of owning a home. Despite this period, or maybe…
  • What To Buy When The Market is High: Part II

    Forbes - Personal Finance
    John Buckingham
    24 Jul 2014 | 10:40 am
    What to Buy When the Market is High ? Part II
  • Why you must teach your children about money

    Get Rich Slowly - Personal Finance That Makes Sense.
    Donna Freedman
    24 Jul 2014 | 4:00 am
    Former GRS staff writer Donna Freedman has been researching the importance of teaching children about money, and she asked if she could share some things she’s learned. This is the first of two articles on the subject. Donna writes for Money Talks News and blogs about money and midlife at DonnaFreedman.com While researching a magazine article on “raising money-smart kids,” I felt sorry for parents and terribly worried about their children. (Also greatly relieved that I am not raising kids today.) The article, for Consumers Digest, ran to a few thousand words. Short form: Our children…
  • Pay Less for School Supplies on the 2014 Tax Free Weekends

    My Dollar Plan
    Madison
    23 Jul 2014 | 6:45 am
    The 2014 state sales tax holidays are almost here! If you’re lucky, your state will encourage you to shop on specific days this summer to avoid paying sales tax. The tax free weekends and sales tax holidays vary by state, but many are having the 2014 tax free weekend the first weekend in August for back to school shopping. The tax free weekends will feature savings on clothes, computers, school supplies and books. Many of the states limit sales tax savings to $100 per item. However, computers typically have higher limits, anywhere between $750 and $3500 depending on which state you live…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Why you must teach your children about money

    Donna Freedman
    24 Jul 2014 | 4:00 am
    Former GRS staff writer Donna Freedman has been researching the importance of teaching children about money, and she asked if she could share some things she’s learned. This is the first of two articles on the subject. Donna writes for Money Talks News and blogs about money and midlife at DonnaFreedman.com While researching a magazine article on “raising money-smart kids,” I felt sorry for parents and terribly worried about their children. (Also greatly relieved that I am not raising kids today.) The article, for Consumers Digest, ran to a few thousand words. Short form: Our children…
  • What to do during the “What’s Next?” stage of finance

    Kristin Wong
    23 Jul 2014 | 4:00 am
    This article is by staff writer Kristin Wong. When I first started writing for Get Rich Slowly, I’d just become interested in my finances. While I’ve always been frugal, I started to realize there was much more to personal finance than finding ways to save money. Here’s where I was, financially, at that time: I was rebuilding my recently depleted emergency fund. I had just started to earn more. I was working hard for my money, but I had no idea how to make my money work for me. I still didn’t feel in control. My boyfriend/partner was in debt. Sometimes, we fought…
  • What the Fed’s monetary policy statement means for you

    William Cowie
    22 Jul 2014 | 4:00 am
    This article is by staff writer William Cowie. Twice a year, the Federal Reserve’s Chair gives what amounts to the “financial state of the union” address to Congress, and it’s a good thing for everyone concerned with their finances to take five minutes or so to find out what the Federal Reserve is seeing, thinking, and about to do. Janet Yellen delivered her latest comments a week ago, and it may be worth your while to take a few seconds out to assess what she said, because the economy is approaching another inflection point. Inflection point? Yes, if you look at the…
  • Change is hard: Willpower versus habit

    Honey Smith
    21 Jul 2014 | 4:00 am
    This post is by staff writer Honey Smith. Recently on GRS I’ve been exploring the concept of motivation. But what if you didn’t need to be motivated at all? What if you did what needed to be done automatically, without even thinking about it? You’ve probably heard a version of the saying before: We’re creatures of habit. But what are habits, exactly? How are they formed? Why are they important? And how can we form good habits (or break bad ones)? Recently, I was listening to back episodes of the NPR program Fresh Air and came across a story on Charles Duhigg’s…
  • Ask the Readers: How can we improve Get Rich Slowly?

    Linda Vergon
    18 Jul 2014 | 4:00 am
    This article is by editor Linda Vergon. I think 2012 was the last time we “checked in” with readers to ask “How can we improve Get Rich Slowly?” Last week, we asked the Facebook readers what they thought, and we got some great comments. Jenny Fox wrote that “The personal stories are always good to read and you have excellent, thought-provoking articles, so carry on with that!” A few people would like to get rich quickly, but at least 15 people agreed with Jason Dotson’s suggestion: If only. Some are still dealing with the crushing reality of poverty, and they don’t need…
 
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    Consumerism Commentary

  • How Does a Company Care About Its Employees?

    Luke Landes
    24 Jul 2014 | 12:08 pm
    I’m in the middle, well probably the beginning, of a long-term organization project. I’ve accumulated a lot of stuff over the years, particularly since moving into a larger apartment seven years ago. If I want to live a more mobile life, I need to downsize somewhat. In this process, I came across a plaque I received from my former corporate job, including a note from the company’s CEO thanking me for five years of service. (I never made it to ten; I quit that job to focus on my own business full-time.) Do plaques and service awards help employees feel wanted and needed…
  • Does Getting Married Increase Wealth and Income?

    Luke Landes
    21 Jul 2014 | 11:54 am
    The Urban Institute has issued a report stating the Millennial generation will have the lowest rates of marriage by age 40 than any previous generation. The report contemplates a variety of reasons for this shift, including a reduced role of marriage in a family household and the effects of the latest recession. But what does this mean for the financial future of today’s young mostly-singles? Marriage certainly affects a couple’s finances. In many states in this country, certain effects are unavoidable by law. Nine states have community property laws, and in those states any money…
  • Overcoming Competitive Inertia: Stop the Comparisons!

    Luke Landes
    18 Jul 2014 | 8:50 am
    I grew up in competition. It was a part of my life, all over the place. And sometimes competition moved me to push my self far, motivating me to be excellent, and in other cases, competition broke down my will to excel. An individual reacts to competition different depending on the psychological factors, the situation, and how past competitions have played out. Because competition is everywhere in the world, particularly in a career or a quest for financial independence — not to mention just meeting personal goals one might set for oneself — look for ways to make competition work…
  • Microsoft to Lay Off 18,000 Employees: How an Acquisition Affects Your Job

    Luke Landes
    17 Jul 2014 | 7:09 am
    Over the next year, Microsoft’s executive management plans to lay off 18,000 employees, including factory workers and those in professional positions. Redundancy. As Microsoft acquired new companies, at least according to the news reports that tend to take a company’s press release and spokesperson responses at face value, they have the potential to take advantage of consolidated businesses. For example, when two companies merge, there may be no need to carry the legal team from one of the companies. The resulting larger company can probably function just as well with one legal…
  • Wealthy Shanghai Teens Are More Financially Savvy Than Average Americans

    Luke Landes
    11 Jul 2014 | 12:04 pm
    The Organisation for Economic Co-operation and Development (OECD) recently conducted a study, presenting a financial literacy test to fifteen-year-olds around the world, and has now published the group’s findings. The sample included 29,000 teens from eighteen countries (or, in the case of Belgium and China, two communities, Flemish and Shanghai). The test is designed to determine financial literacy and capability, with questions pertaining to income, taxes, borrowing, and money management. Results show that only ten percent of the students taking the test can handle complex financial…
 
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    Yahoo News - Latest News & Headlines

  • War College to investigate plagiarism allegations

    24 Jul 2014 | 6:17 pm
    HELENA, Mont. (AP) — Sen. John Walsh remained steadfast Thursday amid an investigation into whether he plagiarized a research project required for a master's degree, winning fresh backing from fellow Democrats in Montana and the governor who appointed him to the Senate earlier this year.
  • U.N. school in Gaza caught in cross-fire; 15 killed

    24 Jul 2014 | 6:08 pm
    Israeli tank shells hit a compound housing a U.N. school in the Gaza Strip on Thursday, killing at least 15 people and wounding dozens who were seeking shelter from fierce clashes on the streets outside, Palestinian officials said, as Israel pressed forward with its 17-day war against the territory's Hamas rulers.
  • Feds cap fines for not buying health insurance

    24 Jul 2014 | 6:04 pm
    MIAMI (AP) — Federal officials have capped the amount of money scofflaws will be forced to pay if they don't buy insurance this year at $2,448 per person and $12,240 for a family of five.
  • 10 Things to Know for Friday

    24 Jul 2014 | 6:03 pm
    Your daily look at late-breaking news, upcoming events and the stories that will be talked about Friday:
  • Very bad week: Airline disasters come in a cluster

    24 Jul 2014 | 5:53 pm
    WASHINGTON (AP) — Nearly 300 passengers perish when their plane is shot out of the sky. Airlines suspend flights to Israel's largest airport after rocket attacks. Two airliners crash during storms. Aviation has suffered one of its worst weeks in memory, a cluster of disasters spanning three continents.
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    My Money Blog

  • Chase Ink Plus Business Card Review: $500 Cash, $625 Travel, or 50,000 Mile Bonus

    Jonathan Ping
    24 Jul 2014 | 11:49 am
    (Update: There is now a 70,000 bonus point bonus available if you apply for this card inside a physical Chase Bank branch. However, the $95 annual fee is not waived as it is for the online offer below. Via FW. Alternatively, if you have applied online recently for this card you should log into your account soon and send them a secure message asking for a match to this current promotion. Chase has historically honored the best promotion available, and people have already reported success in this case as well. Remember, the worst they could say is no!) Chase has a new small biz credit card,…
  • Horizon Motif Review: Commission-Free, No Advisory Fee, Index ETF Portfolios

    Jonathan Ping
    23 Jul 2014 | 11:48 pm
    Motif Investing is a discount brokerage with a twist: you can buy a basket of up to 30 different stocks or ETFs and the entire basket costs just $9.95 a trade. When I first heard of this company, I thought it would be a cool way to build your own custom ETF. It could be dividend income stocks, your own balanced fund of stocks and bonds, whatever. You can start with as little as $250 and they use fractional shares so all your money is invested. But you could also make a diversified portfolio of low-cost index funds. Motif went one step further and introduced their own Horizon motifs, which…
  • Free Rideshare Promo Codes: Uber, Lyft, Flywheel, Gett, Sidecar, Silvercar

    Jonathan Ping
    23 Jul 2014 | 9:18 pm
    Flywheel now $20, Sidecar now $15. Summoning a car with your smartphone is all the rage. Most of these startups are offering some form of bonus credit for first-time users. If you live in a major metro area, this can quickly add up to a decent amount of free rides. I’ve only used Uber up to now, but it was a very easy experience. Uber – Hail a car, taxi, black car, minivan, and more with your smartphone. Lots of cities. Get $30 off your first ride via this special link or promo code uberMYMONEYBLOG. UberX involves individuals driving their personal cars, the rest are…
  • Covestor Core Portfolios Review: Free Managed ETF Portfolio

    Jonathan Ping
    23 Jul 2014 | 12:17 am
    Low-cost index ETF portfolio are everywhere these days! Covestor is a site that usually charges you a fee to manage your portfolio to follow various active managers, with fees ranging up to 2% per year (split Covestor/manager 50/50). However, they recently introduced their Covestor Core Portfolios, which consist of passive ETFs from providers such as Vanguard and Blackrock iShares. These have no management fees, so you’ll just pay the expense ratios of the underlying ETFs plus any trading commissions. Total trading commissions are estimated at $20 annually (investments held at…
  • TradeKing Advisors Review: Managed Core and Momentum ETF Portfolios

    Jonathan Ping
    23 Jul 2014 | 12:13 am
    Another online ETF portfolio advisor joins the mix. Discount brokerage TradeKing, possibly best known for their $4.95 stock trades, announced a new subsidiary called TradeKing Advisors which will directly manage ETF portfolios for retail customers. Details: Portfolio asset allocation designed and monitored by Ibbotson Associates. There will be Core and Momentum portfolios. The portfolio will be determined by an 8 question risk questionnaire. TradeKing Advisors will manage and rebalance portfolio as needed to stay on target. Assets will be held at TradeKing brokerage. Management fee of 0.75%…
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    The Simple Dollar The Simple Dollar

  • Music for Free – Comparing Nine Free (and Legal) Online Music Options

    Trent
    24 Jul 2014 | 7:00 am
    Right now, there are a ton of legal ways to listen to music online for free. Sure, you can buy mp3s so that you have complete freedom in terms of when and where you want to listen, but if you just want a radio-like service with a bit of control, there are many free options online for listening. Which one is best, though? It really depends on what you’re looking for. Over the past few months, I’ve tried out several services, each with a unique mix of pros and cons. I found all of the services here to have some unique merit, but each person will find one that clicks with them. Note…
  • The Guide To Buying A New Home

    Michael Gardon
    23 Jul 2014 | 8:20 am
    It’s the American Dream, right? To own your own home, to put down roots and be responsible for your own little corner of the world. This is the case for most people, but if the 2008 financial crisis has taught us anything about home ownership, it’s that owning a home is not for everyone. Here are a few other facts about home ownership proven during this period: Home values do not always go up. If a lender says you don’t have to document your income, RUN! Not everyone can, or should, own a home. Your monthly payment isn’t the only cost of owning a home. Despite this period, or maybe…
  • “Lock In” and Escaping the Trap

    Trent
    23 Jul 2014 | 7:00 am
    Over the course of my career, my single biggest fear – and obstacle – has been “lock in.” What’s “lock in”? It’s probably easiest to explain it with a story. Early on in my career, I found myself working at a pretty nice job. I enjoyed the work and enjoyed going into the office almost every day. I was freshly out of college and facing down a pile of student loans, but I didn’t feel overwhelmed. Roll forward a few years. I transitioned this first job into a second job, one that paid a little more and offered more long-term security but that…
  • Twelve Inexpensive Strategies for Saving on Medical Costs and Improving Your Family’s Health

    Trent
    22 Jul 2014 | 7:00 am
    According to the Centers for Medicare and Medicaid Services, the average American incurs $9,807.50 in medical expenses each year. Let me repeat that: according to the Centers for Medicare and Medicaid Services, the average American incurs $9,807.50 in medical expenses each year. That is an extremely heavy financial burden for anyone. While it’s obviously not evenly distributed – some people will have tremendous health care costs in a given year, while others will have only minimal costs – the financial burden of health care can strike anyone, and it can bring financial ruin.
  • Questions on Windfalls, Identity Theft, Groceries, and Credit Cards

    Trent
    21 Jul 2014 | 7:00 am
    What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Credit cards and miles 2. Buy it for life: backpack 3. Lending Club? 4. Unexpected $5,000 windfall 5. Completed journals and identity theft 6. 2-for-$3 deals and other bargains 7. Pitching ideas to national newspapers 8. Buying a rental property 9. Pizza delivery tipping 10. Grocery store pricing trickery 11. Different levels of frugality 12. No-contract data plans 13. Dry cleaning 14. Identity theft worries 15.
 
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    Wise Bread

  • Our Senior Editor Is Moving On: A Goodbye From Meg

    Meg Favreau
    24 Jul 2014 | 1:59 pm
    Readers — after almost four years with Wise Bread, I’m moving on. My last day as senior editor of this site is this Friday, July 25. The change is bittersweet, as all good job moves should be. It’s been a delight to work with Wise Bread’s writers and staff, and to interact with you, the wonderful readers. For all of the knowledge I brought to the job, I’ve learned so much more about smart financial moves than I ever thought I could — and much of it from you. You’re an inspiring, ingenious bunch, and I’ll miss you. I’ll still be around Wise…
  • Best Money Tips: The Lifehacks Edition

    Ashley Jacobs
    24 Jul 2014 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some of the best articles from around the web on lifehacks and productivity! Top 5 Articles 25 Tiny Habits That Could Totally Change Your Life — Standing up every hour, on the hour could change your life. Sitting in silence for just a few minutes each day could too! [Lifehack] 12 Pinterest Hacks to Make Housekeeping Easier — Did you know bread can remove crayons from walls? [Parenting Squad] To Get Ahead, Do 21 Things That Others Don't — If you want to get ahead, have goals and learn new things. [Time Management…
  • 10 Dark-Side Motivations to Get You Out of Debt

    Paul Michael
    24 Jul 2014 | 10:00 am
    We usually like to take the high ground when motivating ourselves. When it comes to getting out of debt, common reasons include "I want to put more money into a college savings fund" or "it will lower my insurance premiums." And yes, they're good reasons. (See also: 6 Harmful Money Beliefs That Are Keeping You Poor) But what if, for a second, we don't go the way of the good-hearted Luke Skywalker, and instead follow the path of his evil father? What if we use motivations that come from "the dark side?" Here are 10 dark-side motivations you could use to get out of…
  • 15 Life Skills You Can Learn in 30 Minutes or Less

    Ashley Marcin
    24 Jul 2014 | 8:00 am
    Have 30 minutes? Great — that's just enough time to master some savvy skills that will improve your life for the long haul. And, really, it's the little things that count the most — from starting a budding music hobby to folding that darned fitted sheet the correct way and beyond. These activities are mostly free — and some can even save you some money! 1. Perfect Hard Boiling Eggs If you love hard boiled eggs as much as I do, it's worth getting the technique down to a science. So, place a dozen eggs in a pot of cold water, bring to a rolling boil, turn off and remove from…
  • 9 Ways Staying on Budget Can Be Fun (Really!)

    Marla Walters
    24 Jul 2014 | 6:00 am
    Ok, sure, "budget" isn't always synonymous with "rollicking good time." But there are ways to make the process more fun at every stage, from assessing your finances, to setting goals, to meeting those goals, to reaping the rewards. And the more fun you can make the process, the more likely you are to stick with your budget. (See also: Evolve Your Money Management Beyond a Budget) These ideas may help you to stay on course and have fun, while you are budgeting. 1. Try an App Check out Wally, Moneybook, or iReconcle (love their rollover feature). Besides smartphones being an…
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    Bargaineering

  • Online coupons and discount codes can save lots of money, at lots of stores, on lots of stuff

    Jen A. Miller
    21 Jul 2014 | 12:00 am
    Jen A. MillerAlthough I’m a frugal person, I’ve never been a couponer. Cutting out and organizing paper coupons takes a lot of time. I saw my mom do this when I was a kid and it looked like an exhausting way to save a couple bucks. So beyond checking out the ValPak that comes in the mail [...]Online coupons and discount codes can save lots of money, at lots of stores, on lots of stuff from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • Go to the movies? At these prices it’s got to be a great flick to get me off the couch

    Alissa Fleck
    14 Jul 2014 | 12:00 am
    Alissa FleckIf you decide to spend a night out at the movies, you better be certain you’re going to love that film. In my opinion, movie-going has become too expensive to be a casual pastime anymore. The theater industry says the average ticket costs right around $8, but that has to include discounted prices for kids [...]Go to the movies? At these prices it’s got to be a great flick to get me off the couch from personal finance blog Bargaineering.com. This blog was posted by Alissa Fleck
  • Kick start your savings with goal-based accounts

    Susan Ladika
    7 Jul 2014 | 12:00 am
    Susan LadikaSaving money is always one of the top New Year’s resolutions, but halfway through the year, you’ve usually kicked that goal to the curb. Hard to believe, but some banks and credit unions actually want to help you make those resolutions stick, paying higher interest rates or bonuses if you stash money in your savings [...]Kick start your savings with goal-based accounts from personal finance blog Bargaineering.com. This blog was posted by Susan Ladika
  • Be ready for insurers to ask your car what really happened in an accident

    Russ Heaps
    30 Jun 2014 | 12:00 am
    Russ HeapsThe next time you file an accident claim don’t be surprised if your insurance company wants to download data from your car or truck to make sure you’re telling the truth. No one knows exactly how much auto-insurance fraud goes on, but experts peg the losses at up to $30 billion. That covers a wide [...]Be ready for insurers to ask your car what really happened in an accident from personal finance blog Bargaineering.com. This blog was posted by Russ Heaps
  • Mobile finance apps have reduced my spending…And I don’t even use them

    Alissa Fleck
    23 Jun 2014 | 3:00 am
    Alissa FleckDo you want to change your spending, saving and budgeting habits, but keep putting off downloading a financial app because that would make it all just too real? Well, I have found a solution to this problem — or at the very least, a step in the right direction. This solution is relatively stress-free and [...]Mobile finance apps have reduced my spending…And I don’t even use them from personal finance blog Bargaineering.com. This blog was posted by Alissa Fleck
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  • Why do you shop?

    Suba Iyer
    23 Jul 2014 | 1:00 am
    A few years ago, I was living paycheck to paycheck and was seriously trying to get my finances under control. I read all the tips and tricks to curb spending, yet I was failing month after month. I didn’t understand what I was doing wrong. I never entered the grocery store without a list; I never bought expensive, brand name shoes or purses; I never obsessed with changing my wardrobe based on the season. On the surface, I never had any problems — but, at the end of the month, I always ended up broke. Finally, after a lot of agonizing over various revisions of my budget, it hit…
  • Who’s the Boss of Your Finances?

    Richard Barrington
    21 Jul 2014 | 1:00 am
    When it comes to financial decisions, do you feel like the boss or like it’s your first day on the job? If you don’t feel in command, it’s understandable. Millions of people with no background in finance are called upon to make a series of very important financial decisions: making a budget work, saving for college, financing a house, planning for retirement, strategizing on investments, etc., etc. Many find this responsibility intimidating — and unfortunately, that sense of intimidation can contribute to poor decisions. It helps to learn a thing or two about…
  • Silence Not Golden in Intergenerational Family Finance

    Jeffrey Steele
    16 Jul 2014 | 1:00 am
    The last time I ran into one of my favorite cousins, the conversation soon turned to which far-flung family members she had recently heard from. She divulged she hadn’t yet heard from my youngest cousin, her younger brother, about his recent trip to Southwest Michigan. That was not new, as she’d called another of my cousins, her older brother, two weeks earlier and had yet to hear back. “Have you heard from my sister?” I asked. “Nope.” “Has my sister heard from you?” “Nope.” “Has Uncle Bill heard from Uncle Jack?”…
  • The Cost of More

    Suba Iyer
    14 Jul 2014 | 1:00 am
    We have become a nation of “more is better.” We want more of everything — more toys for our kids, more cars in the driveway, more shoes in the closet, and more bathrooms in the house. Our houses, garages, dumpsters and lives are filled with Stuff. With a toddler around, I’m very tempted to fill the house will cute clothes and fun toys. Sometimes I stop for half a second to consider the cost of buying something, but I often don’t consider the true and total cost of “more.” Purchase price cost First, of course, there is the actual cost of buying the…
  • 5 Creative Backyard Summer Activities for Kids

    FCN Staff
    11 Jul 2014 | 1:00 am
    This post comes from Rachel Beger at our partner site Zing! School’s just about out for the summer, and that can only mean one thing: “Mom, I’m bored!” Ideas run out fast, especially when you’re not looking to leave the house every day, and you have a budget to abide by. These five backyard activities will be your summer survival guide when boredom sets in for the kids and you don’t have the time or budget to come up with fun things to do. Outdoor Twister Twister is a classic game that’s fun for the whole family, but setting up the mat outside can be quite difficult when wind…
 
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    millionairemommynextdoor

  • Soto Betawi di Gading Serpong

    dedits378
    19 Jul 2014 | 8:11 am
    GADINGSERPONG - menu sup pasti sudah tidak asing di telinga foodies. Makanan Indonesia yang terbuat dari daging dan kaldu sayuran terkenal karena kelezatan. Salah satu menu sup yang cukup populer adalah sup daging sapi. Ingin mencicipi menu, sepertinya Anda perlu datang ke Roxy Restaurant Soto H Darwasa. restoran gading serpong ini terletak di Bolsena komersial, ini adalah cabang pertama dari Soto Roxy H Darwasa. Di restoran Jakarta cukup legendaris, seperti yang telah didirikan sejak tahun 1950 lalu. Tidak hanya usia tua terkenal, restoran gading serpong ini terkenal…
  • Masakan Kepiting

    dedits378
    10 Jul 2014 | 9:00 pm
    Kuliner - Masakan seafood terkenal kelezatannya. Dari sekian banyak korban dari hidangan makanan laut, kepiting adalah salah satu yang menjadi favorit banyak orang. Di balik cangkang keras, daging kepiting memiliki tekstur yang lembut dan lezat. Nah, untuk pecinta makanan pecinta kepiting olahan, ada satu tempat di Gading Serpong yang dapat menjadi tujuan referensi kuliner Anda. Leaf Crab Restaurant nama Jembo. Family restaurant konsep restoran yang memiliki menu andalan yang patut dicoba, daun kepiting jembo terbakar. Sebelum diolah, kepiting bumbu racikan diolesi pilihan pertama. Agar bumbu…
  • Why Women Need More Money Than Men -- and What Can Be Done to Make It Happen

    dedits378
    8 Mar 2014 | 10:47 pm
    Women need more money than men. Why? (No, not so we can buy more shoes, handbags or manicures.) Women need more because we live longer than men, make significantly less salary than our male peers, and are more likely to be single parents raising a family on one income. Having a child is now the single best indicator of financial collapse. Women comprise 87% of the impoverished elderly. A woman who works full-time for 40 years will earn $523,000 less than her male counterpart. At age 65, that extra half a million dollars could keep her from becoming one of the elderly poor. What do these grim…
  • Rent, Grow Rich, Be Free

    dedits378
    8 Mar 2014 | 10:43 pm
    I recently shared my formula for uncovering the difference between your needs and wants and today, I'm sharing a relevant personal story. In 1994, my husband and I built a fabulous home on a seven acre farm. We constructed a huge barn and filled it with critters and big boy toys.Each weekend, we'd have a mile long to-do list: we'd plant more trees, paint fences, weed the garden, remodel. Our housekeeper spent half a day each week cleaning our home-- despite the fact that the two of us occupied only half of our total living space.One financially reflective day in 2003, I calculated the…
  • If You Want To Be Wealthy, You Need To Know This

    dedits378
    8 Mar 2014 | 10:38 pm
    Do you want to be wealthy? I'm going to share something with you today that you really need to understand - on a gut level - before you can make it happen. Even if you learn all there is to know about money (how to make it, save it, invest it), if your relationships with others - or yourself - are dysfunctional, you'll never reach your full abundance potential. In the past, I used to bitch, moan and complain (aka commiserate) with certain people because it seemed to bring us closer together. Misery likes company, so I feigned misery so these people would like me. I didn't want to make anyone…
 
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    Mighty Bargain Hunter

  • In praise of bottled water

    John Wedding
    23 Jul 2014 | 8:52 pm
    A big part of personal finance advice revolves around finding ways to spend less.  Less money going out the door means more money staying in your bank account. By and by, some purchases draw an above-average amount of fire.  Bottled water is one of them. I’ve seen at least three posts over the past few weeks that include bottled water as one of those things you shouldn’t buy.  Though I do agree that it can get expensive if you drink it all the time, bottled water does have redeeming value. There’s always context to be considered I’ve been writing things online for…
  • Build profts or relationships with fresh eggs?

    John Wedding
    19 Jul 2014 | 8:13 pm
    There are lots of advantages that come out of being in a healthy marriage.  A healthy marriage takes work, and lots of communication, especially about financial matters. Over time, I’ve come to view differences of opinion on money matters with my wife less as argument, but more as different perspective.  Partners have different ways of looking at money, and taking both into consideration is better than either perspective alone. “Oh we’ve got eggs now …” We’ve talked for around a year about getting some chickens.  We eat a fair number of eggs — as…
  • Rebate site review: Ebates

    John Wedding
    17 Jul 2014 | 8:42 pm
    Ebates was the first rebate site I used.  I’ve been a member since 2002.  The site has been around since 1998.  That’s last century, if you’re keeping track. I use rebate sites all the time.  Every chance I get, as a matter of fact!  For a miniscule amount of extra work, I can save a few dollars or even more than a few on a lot of online purchases. Using Ebates is simple: Sign up for an Ebates account, which is free. Log into Ebates before you shop. If Ebates offers a rebate on purchases from your favorite stores, go through EBates to get to the store instead of going…
  • Five things about discarded items that shouldn’t scare you off

    John Wedding
    16 Jul 2014 | 8:51 pm
    It’s not a secret that people give away or throw away lots and lots of stuff.  Stuff that’s outlasted its usefulness.  Stuff that’s broken.  Stuff that reminded them every day of their lousy purchase. We’ve gotten useful castaway items right from within our subdivision.  We scored a nearly-complete set of patio furniture that just needed a little bit of cleaning. Recently we happened upon a stash of building materials: pressure-treated wood and other odd pieces. A few days ago, my father-in-law picked up a Radio Flyer wagon that was thrown to the curb. The front…
  • When is it NOT okay to spend money?

    John Wedding
    14 Jul 2014 | 8:42 am
    The blog A Young Pro had this year-old article in his Twitter feed recently.  The title: “When is it Okay to Spend Money?” He recounts the story of a really bad week with his car.  He gets in an accident, and then locks his only set of car keys in the car, while the car was running. If it were I, the only thing more depressing would be finding out that my daughter has started listening to Hanson. But then there’s “the list” So, naturally — and reasonably! — he wrote a list of things that, to him, were worth spending money on. And, naturally —…
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    My Open Wallet

  • Airline Seating Prices

    Madame X
    9 Jul 2014 | 6:53 pm
    Travel is just designed to piss people off nowadays. They charge you for food. They charge you for baggage. They charge you for extra legroom. And now they are stooping to a new low: they charge you extra to not be in a middle seat!! To me, this is truly obnoxious. (I am not sure how many airlines are doing this,  but KLM is, and I'm sure others will soon catch on.)If you travel internationally, you will notice that almost half of the total ticket price is a "carrier-imposed international surcharge." I used to travel frequently to London for only $300-400 round trip in the off season.
  • Financial Independence Day

    Madame X
    4 Jul 2014 | 3:27 pm
    Today is the day-- a cold and wet and dreary July 4th, when I should be celebrating the birth of our nation by sunning myself and eating hot dogs but am instead huddled indoors catching up on my finances. And because today is the day I decided to pay attention to 6 months' worth of investment transactions, today is the day I became a millionaire. In truth, it probably happened on a different day, but today is the day I first saw it in my net worth report in Quicken:So I am celebrating financial independence today. Of course, by "financial independence" I don't mean I never have to work again,…
  • How to Invest My Cash

    Madame X
    18 Jun 2014 | 11:02 am
    For the last few months, I have had a very pleasant problem: approximately $150,000 in cash sitting in my savings account. Most of this is from the proceeds of selling my condo, plus a little growth from savings and interest. I have been holding off on any big investment decisions for a while, partly out of pure laziness and partly because there are some possibilities floating around for how to use the money. One thing I might do is buy all or part of some real estate Sweetie owns, as since Sweetie isn't working and I am, there could be some tax benefit to me being the one with the…
  • Great Aunt Minnie Keeps on Giving

    Madame X
    13 Jun 2014 | 8:21 am
    At a family party recently, one of my aunts took me aside to say she had something very important to give to my sister and me. This was the aunt for was the executor of Great Aunt Minnie's estate. And sure enough, there turned out to be some additional inheritance funds coming to us! My aunt had finally rolled all the coins that Minnie had kept in a jar, and after taking them to the bank, there must have been about $30. My aunt handed me a little envelope with my sister's and my name on it, and inside there were two silver dollars (the old ones with JFK in them) and 3 dollar bills. My sister…
  • Update on Mom's Finances

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

  • There Is No Today

    Lazy Man
    24 Jul 2014 | 5:15 am
    Last week, I woke up and I had a most unusual "first thought." There was no "today." I thought this because I sometimes play Devil's Advocate with myself. I try to see if I can convince myself of the opposite thought. The opposite of "today" is "no today", right? Now obviously the day existed and I lived it just like any day. (That is unless I died half way through and you reading this as a scheduled post, but let's move away from such morbit thinking.) By there being "no today", I'm referencing the famous "There is No Spoon" scene from The Matrix: Applying that thought, I came to an…
  • The Genius of Weird Al Yankovic

    Lazy Man
    23 Jul 2014 | 8:15 am
    For those who haven't been disconnected from the world over the last couple of weeks, "Weird" Al Yankovic has been busy promoting his new album Mandatory Fun. It's an ingenious promotional campaign where he put out new videos every day for over over a week. Personally, the last thing I remember from him is Amish Paradise. That was nearly twenty years ago and it has been thirty years from his heyday in the 1980s. Everything is cyclical and Weird Al is showing that he still has some cheese on his fastball (to evoke my favorite Eckersleyism... hopefully the
  • Making Money in the Sharing Economy

    Lazy Man
    22 Jul 2014 | 5:15 am
    You may have heard the term sharing economy over the last few years. It can mean a lot of different things to different people, but I've come to use as a set-up start-up companies that allow you to rent resources that you aren't currently using to others. Perhaps one of the most popular examples of that is AirBnb, where people are using a room of their house as a small bed-and-breakfast. The owner gets some money for a room that might not be otherwise used. The visitor gets a room that may be cheaper and have better service than a hotel. It works out awesomely for both parties most of the…
  • Is Amazon’s Kindle Unlimited A Good Deal?

    Kosmo
    21 Jul 2014 | 5:15 am
    Amazon has just announced a new service, Kindle Unlimited.  For $10 per month, you get access to 600,000 books and 2000 audio books.  Is this a good deal? Well, first of all, in classic Amazon style, there's a free 30 day trial.  Give it a spin and if you don't like it, just cancel. What's included in Kindle Unlimited?  The "Big 5" publishers (Hachette, HarperCollins, Macmillan, Penguin Random House, Simon and Schuster) are not included.  That eliminates a lot of best sellers ...  but the smaller publishers also publish a lot of good books.  According to Laura Hazard Owen, the…
  • WorldVentures and MLM Lawsuits

    Lazy Man
    18 Jul 2014 | 5:15 am
    Earlier this week I was alerted by my friend Amthrax about MLM company, WorldVentures, threatening a blogger. The target of the threat was Stephanie Yoder who writes a travel blog called Twenty-Something Travel. She was approached by an independent distributor for WorldVentures and wrote an article giving her opinion of it: WorldVentures: This is NOT the Way to Travel the World. It's a great article (she can write for Lazy Man and Money any day) and gives her opinion based on disclosed facts, which in my non-professional, non-expert research, is protected free speech. In fact, if she makes an…
 
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    No Credit Needed

  • I Still Buy Stuff I Do Not Need

    NCN
    2 Jul 2014 | 4:31 am
    I have been writing about personal finance (as in, my own) for nearly a decade.  In that time, I’ve had some financial success – paying off my consumer debt, purchasing a new home – and some blogging success – mentioned in the New York Times, interviewed on television and on radio – but the truth is: I still buy stuff I do not need. I also use unnecessary dashes and commas when I write, but that’s a topic for another day. Convenience Items – I am a sucker for anything that makes life easier.  I tend to spend too much on convenience items –…
  • Fight For Your Independence And Get Out Of Debt

    NCN
    1 Jul 2014 | 4:30 am
    Let’s not wait until January 1st to focus on getting out of debt.  It’s July – It’s time.  Fight for your independence-  and get out of debt, today! No doubt, a little dramatic, but you get the point.  Today is the day to start planning for tomorrow.  Here’s how I paid off my consumer debt – including credit cards and an automobile loan – plus some tips and tricks I’ve learned along the way. Stop Borrowing – This is the key, first step.  Put the credit card in the wallet, and stop using it.  You don’t have to cut it up, or…
  • How To Stay Motivated While Getting Out Of Debt

    NCN
    30 Jun 2014 | 4:30 am
    Let’s be real.  The idea of getting out of debt sounds awesome.  The day-to-day grind of getting out of debt… not so much. Here’s how to stay motivated while getting out of debt - Celebrate Your Progress – Check those numbers and get excited about the amount of debt you have already paid off!  For our family, we are working to pay off our mortgage (update this week!) – and while our progress has been a little slower than we had hoped – we are 1/4 of the way there!  It’s super-motivating to see just how far we have come. Connect With Others –…
  • Envelope System Video – Simple Cash Management

    NCN
    28 Jun 2014 | 12:00 pm
    I created this video 7  years ago (wow!) to demonstrate my favorite cash management system – the envelope system. I have been using the envelope system for nearly a decade and it really is a great system for managing cash and household expenses. Watching this video always makes me smile. The quality is so cheesy-awesome – but the concept is so super-simple. My Dad says that the opening reminds him of Napoleon Dynamite! Side note - I’ll soon be making more videos – with improved graphics and audio! – so visit the NCNBlog channel and subscribe! The channel will…
  • History Podcasts – My Favorites

    NCN
    28 Jun 2014 | 5:37 am
    It’s been a while since I listed my favorite history podcasts.  There are a number of high quality, entertaining, free podcasts available and these are my favorites: History Podcasts - Revolutions – Mike’s awesome podcast, covering the revolutions which shaped the modern world. The History of Byzantium – This podcast tracks the history of the Eastern Roman Empire.  This is a subject about which I learned very little in school – and I am fascinated by this podcast.  Good stuff.a Myths and History of Greece and Rome – This podcast takes an in depth look at…
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    Free From Broke

  • 7 Reasons We Have Trouble Sticking to Our Budget

    Melissa
    23 Jul 2014 | 3:13 am
    Every month, I diligently write out our budget and track how we spend our money.  Most months we stay close to our target budget.  However, there are some months, especially the winter months when we have a number of expenses due at once, where we struggle to make ends meet. I’m sure you’ve experienced this as well. If you struggle with your budget, you’re not alone.  Turns out, there are many reasons why most of us spend more and save less than we should. Here’s Why We Have So Much Trouble Sticking to Our Budget 1.) We’re Too Busy My mom always tells me the…
  • Barclaycard Arrival Plus World Elite Mastercard – Review: 40k Bonus Miles, 2x Rewards, and More

    Glen Craig
    21 Jul 2014 | 3:00 am
    When you use a credit card wisely it’s a great tool to have in your pocket.  But it’s even better when you can earn some nice, juicy rewards that can help you travel! That’s what the Barclaycard Arrival PlusTM World Elite MasterCard® does. Stick around and I’ll show you why the Arrival Plus World Elite is aching to be part of your credit card tool set.  You’ll also see what’s it’s a great all-around travel rewards card. The Barclaycard Arrival PlusTM World Elite MasterCard® - Rewards That Are Easy and Keep Coming Back First a little…
  • Moving to One Income So A Spouse Can Take Care of the Kids – Your Guide

    Melissa
    16 Jul 2014 | 8:17 am
    While 60 years ago, one parent staying home to care for the children was the norm, today, having both parents work is the norm.  According to Pew Research, “Roughly 60% of two-parent households with children under age 18 have two working parents.”  Many families have one parent stay home until all the kids are in school, and then both parents resume working. Keep reading and we’ll show you if a) living on one income is good for you and b) how to go about preparing for it. Your Guide to Switching to One Income So One Spouse Can Be a Stay-at-Home Parent The Benefits of…
  • The Best Online Discount Brokerages for Cheap Trades – Investing Doesn’t Need to Be Expensive

    Glen Craig
    14 Jul 2014 | 7:23 am
    Do you recall the days when you needed to call up a stock broker in order to make a stock trade? And you needed to make the trade in a “round lot” (you had to buy 100 shares)?  Did I just date myself?  Thanks to the internet that’s no longer the case and it’s easy for anyone to invest in stocks with an online brokerage (like, you can do it on your smartphone easy).  And not only is it easy but it won’t cost you an arm and a leg to get started. “So which account do I open,” you ask? There are a number of places to go these days thanks to the rise of…
  • Use Google Calendar To Pay Your Bills On Time

    Glen Craig
    9 Jul 2014 | 4:41 am
    Have you ever realized you had a bill sitting around that was due today? Or worse, yesterday? If you are lucky you can pay the bill online but that’s not always an option (I’ve found that some companies have a cut-off time). There was a time when I had a lot of credit card debt.  Digging out of it was tough but what made it harder was paying late fees because I would miss the credit card due date by a few days or so. There is just about nothing more frustrating than looking through your bills and realizing one was already past due! I definitely needed a bill/pay calendar system…
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    Blogging Away Debt

  • Planning a Two Week Hiatus

    Hope
    23 Jul 2014 | 1:00 pm
    Tomorrow we leave for Texas to visit my family…3 brothers, 1 nephew, parents and several doggy niece and nephews. We will be traveling for a little over two weeks.  While I am not taking any time off work, I do want to take as much pressure off myself as possible so I can enjoy this final ‘Hurrah’ of the summer. With that being said, I am giving myself permission to take a hiatus the next two weeks.  Didn’t want you to worry or wonder why I wasn’t here.  I will  return with lots to write about I’m sure and may pop in if the time permits, but wanted to…
  • Looking Back

    Hope
    23 Jul 2014 | 9:00 am
    I had a quick call with my parents today in anticipation of our arrival at their home for our 1 1/2 weeks visit this coming Saturday (we leave tomorrow.) And I mentioned to my dad very briefly how it’s taken me nearly 40 years (not quite there yet) to realize just all that he and my mom did for me growing up. I know how blessed I was growing up, I realized that shortly after getting out on my own and having to pay my own bills. But I really did not know how blessed. When I turned 16, I had shared access to a car, my insurance was paid and all my gas was paid.  I NEVER ONCE thought…
  • What did you accomplish?

    Hope
    23 Jul 2014 | 3:00 am
    I gave myself a financial task list last week to prepare for my impending departure (tomorrow!) Nothing got done. Rather, nothing got completely done. I feel like my gazelle like intensity has come to a grinding halt, and has been there for a while now. And for a few weeks, I couldn’t seem to function because of it, just felt too overwhelmed.  Well, I’m happy to report that this is not the case now. I made baby steps towards all of these goals. And I feel good about where I leave them as I head out of town.  But with that in mind, I’ve already got a long task list to…
  • Prices are a’rising

    Ashley
    21 Jul 2014 | 1:00 pm
    This is nothing new. Happens every year, am I right? You get the letter from (insert name here) and you discover that the prices are rising. I just got this letter from 2 different companies. The first is my water company. They instituted a price-increase that was effective July 1st (thanks for letting me know after-the-fact). Since this is a basic utility and we only have one service provider to choose from, there’s nothing I can do about the price aside from simply trying to conserve (which is difficult in summer since it seems like grass and plants need extra water in order to survive…
  • Hair Care

    Ashley
    21 Jul 2014 | 9:59 am
    For you readers who have been around awhile…. Remember the struggles Emily had with getting her hair done? I think hair care was one of her big weaknesses (as eating out is one of mine). Way back then, I remember commenting on one of her posts about the issue. For the first 3 years that I lived in Arizona (before I had babies), I would always go to the Aveda Institute to get my hair done. I LOVE Aveda (I’ve talked about their fabulous lotion before, too)!! They’re quite pricey, but the institute is a school, so you’re getting your hair done by someone who is learning. This worked…
 
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    Clever Dude Personal Finance & Money

  • Clever Dudes Are Self Reliant: Water Heater Edition

    Brock
    23 Jul 2014 | 2:00 am
    My neighbor mentioned a few nights ago that on his list of things to do for the evening was to take a look at their water heater. Apparently it wasn’t working, and they had no hot water. My neighbor is the kind of guy that will take a look at pretty much anything before calling a repair person, and his wife had given him that evening to do so before she called a professional the next morning. He described to me how his water heater was acting: It would begin running He could hear gas puffed into the chamber The igniter fired, activating the burner It would run for about 20 seconds and then…
  • There IS Still Kindness In This World

    Brock
    21 Jul 2014 | 2:00 am
      Image courtesy of hin255 / FreeDigitalPhotos.net I’ve been spending a fair amount of effort recently observing human behavior and really wondering, “What is wrong with people these days?” Although there are exceptions, it seems that most people are content to bury their heads in their phones and deal with their fellow humans through social media. Many of us fail to remember that every single person we encounter during the course of the day has their own unique story that we are completely unaware of. We react to someone’s attitude or tone by only the shallow surface of the…
  • Clever Posts Of The Week – July 18th

    Brock
    18 Jul 2014 | 4:58 am
    My son has spent a lot of time on the computer this summer playing online games.  His friends come over, and he goes over to their houses as well.  But their activity almost always revolves around playing online games.  So, I was shocked to have my son ask me if he could get a new bike.  He has outgrown his previous bike, and apparently he and his friends have been talking about cruising around.  Hey, I’m all for him spending some additional time outside, so off we go this weekend to get him a new bike.  I think it’s time to re-instate the family bike ride as well!! Speaking…
  • Keep Searching For Vacation Savings After Making Reservations

    Brock
    15 Jul 2014 | 9:15 pm
    Image courtesy of Stuart Miles / FreeDigitalPhotos.net The process for finding the best deal for our family summer vacation entailed all the usual steps: Surfing the websites of hotels at our destination, comparing prices, amenities, and packages as well as calling them directly to inquire about any specials they may be having. We finally booked two hotel rooms (my brother and his family are joining us) at a popular tourist location known for vast water park fun with the following package: Indoor water park passes for the duration of our stay Outdoor water park passes for the duration of our…
  • Our House Is the Cool Place To Hang Out

    Brock
    14 Jul 2014 | 2:00 am
    Image courtesy of Ambro / FreeDigitalPhotos.net Since the day our son was born, my wife has said that when he enters his teenage years she wanted our house to be the place everyone wanted to hang out. Her theory was, if our son and his friends all liked being at our house then we would know where he was at and he would have less of a chance to get into trouble. Her dream came true over the weekend. Our son was supposed to go an overnight online gaming event with half a dozen friends. They’ve done this a couple of times, and always have a great time. A few days ago, the host told everyone he…
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    Don't Mess With Taxes

  • Mississippi kicks off the summer 2014 sales tax holiday season

    skbell1
    24 Jul 2014 | 2:00 pm
    Mississippi gets a lot of grief for being at the bottom of some national lists. But when it comes to the annual spate of sales tax holidays, the Magnolia State takes the lead. Mississippi's annual sales tax holiday is this Friday, July 25, and Saturday, July 26. It might be first, but it has lots of company. Sixteen states, or possibly 17 if Massachusetts lawmakers make a move before they recess next week, will offer shoppers sales tax savings on selected items this summer. These events are decried by tax policy analysts as terrible ways to run a state's revenue system. But voters…
  • Fake applications for subsidized Obamacare coverage approved in GAO sting operation

    skbell1
    23 Jul 2014 | 9:35 am
    On the heels of the conflicting Obamacare tax subsidy rulings by two federal appeals courts, we today had Affordable Care Act (ACA) part 2: A look into "the integrity of the administration" of the health care program's premium tax credit. At issue is whether the health care law's tax credits and cost-sharing subsidies to help cover the cost of insurance bought through exchanges are issued properly. Specifically, members of the House Ways and Means Subcommittee on Oversight, wanted to know are the amounts correct and are they going to eligible individuals? An early review…
  • D.C., Virginia federal appeals courts hand down opposing rulings on Obamacare health exchange tax subsidies

    skbell1
    22 Jul 2014 | 11:31 am
    "You don't need a fancy legal degree to understand that Congress intended for every eligible American to have access to tax credits that would lower their health care costs regardless of whether it was state officials or federal officials who are running the marketplace. I think that it's a pretty clear intent of the law." ~ Josh Earnest, White House press secretary Some federal judges would -- and did -- disagree with the White House spokesman's assessment today of the health care subsidy issue. They issued rulings this morning (Tuesday, July 22) on the matter. One…
  • RMD rollovers to IRAs, extended donation deadline among five charitable giving tax breaks approved by House

    skbell1
    21 Jul 2014 | 3:10 pm
    And the bit-by-bit approval of expired tax extenders continues in the House. Representatives last week approved five charitable giving tax provisions, three of which expired at the end of 2013. The expired tax laws, part of 55 provisions known collectively as extenders because Congress usually has renewed them every year or so, are supported by most lawmakers. But renewal of the legislation also is typically hampered as Representatives and Senators try to make political points or, in election years like 2014, avoid political controversy. Also complicating the extenders consideration in the…
  • KISS' Gene Simmons' tax tongue wagging is off base

    skbell1
    21 Jul 2014 | 10:07 am
    KISS sure knows something about putting on a good rock and roll show, but apparently the band's bassist Gene Simmons doesn't know quite enough about taxes. In a July 4 interview with the San Diego Union-Tribune, Simmons wagged his famous tongue about, among other things, the joys of being wealthy. The 2014 Rock and Roll Hall of Fame inductee as a member of KISS, Simmons told the newspaper that even in the band's early days back in the '70s he was doing alright financially. "I'm duly diligent. I do a better job of balancing my budget than the U.S. government does…
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    Money Smart Life

  • How to Figure Out the Right Career for You

    Miranda
    21 Jul 2014 | 12:05 pm
    Many of us don’t want a career that is “just” a job. Instead, many of us like the idea of fitting a career into a lifestyle. If you are tired of taking whatever job comes your way, here is what you can do to change things up and figure out which career is best for your lifestyle: 1. Pinpoint Your Values The first thing you need to do is get down to some serious introspection. What do you value? What are your strengths? What do you want out of life? The reality is that you won’t ever get a job you enjoy – and that fits with your lifestyle – unless you understand…
  • Negotiating Pay: Don’t Forget the Soft Benefits!

    Miranda
    14 Jul 2014 | 4:40 pm
    One of the most stressful aspects of the job search is the salary negotiation. However, it is often a necessary part of the job search. Trying to come to an equitable agreement with a company is important. On the one hand, you don’t want a company to decide you’re too expensive and decide not to hire you after all. On the other hand, you don’t want to sell yourself short and end up underpaid and unhappy at your new job. Nothing hastens burnout like feeling as though you aren’t getting paid enough. If you want to avoid some of thorniest issues related to salary negotiation, it…
  • Elevator Pitch: Make Better Career Connections

    Miranda
    7 Jul 2014 | 3:04 pm
    One of the essentials when it comes to finding a new job or advancing your career is the connections you make. Networking is an important part of career advancement, no matter what stage you are at. In fact, even when you are self-employed, it’s important to learn how to effectively network and connect with others. If you want to connect quickly with others, and let them know what you do – and how you do it – it’s a good idea to develop a short personal statement or an elevator pitch. This is something that you can tell people who ask you what you do, or who ask you who you…
  • An Argument Against Early Retirement

    Kevin Mercadante
    30 Jun 2014 | 6:00 am
    It sometimes seems as if everyone wants to retire early, or maybe it just seems that way on financial blogs. Most people seem to agree that it’s a good thing to do, but we’re going to be contrary today and consider reasons why you might not. In fact, there are arguments against early retirement, solid ones at that. 1. Early retirement preparation will impair your early years. Relatively few people retire early in life. The simple explanation for that: Early retirement requires far more sacrifice early in life than most people are willing to make. Truth be told, in order to…
  • Should You Pay Off Your Student Loans Early?

    Miranda
    23 Jun 2014 | 6:00 am
    With more than $1 trillion outstanding in student debt (some of it mine!), it’s no surprise that many college grads and others are trying to figure out how to repay their loans. For those with jobs that allow it, the next question is whether or not it makes sense to pay off student loans early. If you have student loans, carefully consider your own situation, as well as the general pros and cons associated with repaying your student debt early. Saving Money on Interest The first consideration is how much you could save. By putting extra money toward your student loans each month, you…
 
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    MoneyNing

  • Confession Time: I Just Financed a Car With a 6-Year Loan, And I’m OK With It

    Travis Pizel
    24 Jul 2014 | 5:00 am
    I’m sure I’ll get some disagreement with this decision, but I’m a big boy and I can take it. Here’s the story: I’m a personal finance blogger, I just financed our new (to us) van with a six-year loan, and I honestly think it was a good decision. At the end of January, my wife and I completed a debt management plan in which we paid off $109,000 of credit card debt in 55 months. In order to make a large payment to our program each month, we had to live on a very tight budget. We weren’t able to save up the money necessary to pay cash for our vehicle (as we were hoping to…
  • 5 Tips for Finding a Quality Used Car

    Alexa Mason
    23 Jul 2014 | 5:00 am
    You’ve been thinking of getting a new-to-you car for a while now. After all, you’ve been spending more in maintenance and repairs for your current car than what it’s worth. You start looking around, but you just can’t find a good car in your price range. Do you fork out more money than you planned, or do you continue your search? This is the dilemma my brother has found himself in. Over the past year, his 1996 Ford Ranger has had an increasing number of problems. He’s at the point where finding a new car is going to be more cost-efficient that repairing his old truck. But where…
  • Does America Have a Financial Literacy Problem?

    Miranda Marquit
    22 Jul 2014 | 5:00 am
    Not too long ago, CNN Money reported on an international assessment of teenagers and financial literacy. The test, which was administered to 15-year-old students in 18 countries, ranked the United States in the middle. The top results went to Chinese students, with students in Belgium, Estonia, New Zealand, and Australia also scoring quite well. In the United States, close to 20 percent of students didn’t even reach what is called “baseline efficiency.” This brings up interesting questions surrounding financial literacy. Recent contentions that most adults fail basic…
  • 3 Outdated Retirement “Rules” You Should Ignore

    Emily Guy Birken
    21 Jul 2014 | 5:00 am
    I have a love-hate relationship with financial rules of thumb. On one hand, I recognize that not everyone is going to spend as much time thinking about and researching financial topics as they should, and rules of thumb give them easy-to-remember guidelines for staying on track. But on the other hand, these types of guidelines are often inaccurate, outdated, or outright wrong — and following them can derail the very goals you’re trying to achieve. In particular, saving for retirement seems to be a subject that attracts these “rules.” What’s worse is that these rules will…
  • Are You Failing to Budget for This Vital Element of Your Vacation?

    Jessica Sommerfield
    18 Jul 2014 | 5:00 am
    Financially prepping for summer vacation includes budgeting for hotels, flights, gas, and activities. Of course, it also includes an allowance for fun spending on souvenirs and memorabilia. What you might be forgetting is a vital, undetermined expense of your vacation: food. Food expenses are one of the most over-looked and under-budgeted aspects of vacation planning. It’s easy to take meals for granted, because at home, you’ve already budgeted for groceries and the occasional take out. But when you’re away from home, you’re dependent on prepared foods at grocery…
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    Money Blue Book

  • Opening a new bank account? Ask these 5 questions

    18 Jul 2014 | 1:19 pm
    A few months ago, I did something that I hadn't done in almost 15 years: I opened a new checking account. It was a slightly scary thing to do, mainly because I had gotten so comfortable with my old account and how it worked. On the other hand, it was definitely time for a change. Because we moved, o [...]
  • 3 cheap summer exercise solutions

    9 Jul 2014 | 5:37 pm
    Does it surprise anyone to learn that demand for personal trainers goes up in the summer? A friend of mine who moonlights as a trainer tells me that the only time of year when he's busier is January, at the height of New Year's resolution season. Personal training, gym memberships, unlimited yoga pa [...]
  • 3 simple steps for building financial independence

    3 Jul 2014 | 4:12 pm
    Every July 4, people celebrate our nation's independence by going camping, watching a fireworks display or grilling some burgers. Sounds like fun! Less fun, however, is living a life shackled to your debt. If you're interested in achieving financial independence, here are some tips to get you starte [...]
  • A novice's guide to the stock market

    27 Jun 2014 | 12:07 pm
    I did it. I finally did it! Last fall, very late in life for such things, I finally lost my stock market virginity. I'm now the proud owner of shares in not one but two companies. And things are going really well. I invested $3,900 back then, and my holdings are now worth $4,900. On the night after [...]
  • 5 everyday ways parents can save money

    16 Jun 2014 | 6:07 pm
    According to data released by the U.S. Department of Agriculture last year, the average cost to raise a child born in 2013 to age 18 is expected to be $241,080. Government number-crunchers examined weighty expenses such as groceries, transportation, shelter, day care, health care and education to re [...]
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    My 1st Million At 33 - yes, you can do it too

  • Turning down Apple’s job offer

    Frugal
    16 Jul 2014 | 10:08 pm
    Turning down Apple’s offer was one of the hardest decision that I had to make recently. I’m optimistic about Apple’s future, but I’m getting too old to sacrifice my family life quality and take a significant net loss in after-tax income after adjusting all the additional expenses for relocation. A 11% increase in base salary, [...]
  • MtGox offline due to the biggest theft in Bitcoin

    Frugal
    25 Feb 2014 | 10:32 pm
    First you can’t withdraw your cash, and then you can’t trade, and then the site is offline completely. It’s sad & ridiculous that a company of this size can have the theft going on for years (90+% asset stolen), and doesn’t notice it. I think the brand of MtGox is permanently damaged. Bitcoin unfortunately will [...]
  • Over $2000 Cashback/Reward on my credit cards

    Frugal
    15 Dec 2013 | 9:37 am
    It’s almost year-end. Just doing a tally on my credit cards. When you use your credit cards everyday, it’s wise to pick the right cards. Wonder what’s in my wallet? 1. $375 cashback from 5% rebates on all of my grocery/gasoline/pharmacy stores purchases. I have applied a HSBC card long time ago but it’s not [...]
  • Recent market updates

    Frugal
    27 Jun 2013 | 10:54 pm
    Many things have changed a lot since just three or four months ago. I’m going to keep it brief here. 1. Stock market is a hold or even a short term sell. Should add more on pullback. 2. Real estate is a hold, changed from a buy. Only add if ROI is bigger than the [...]
  • My rental portfolio

    Frugal
    23 May 2013 | 8:33 am
    Housing market in most area of the California has experienced 15% to 30% price increase in just the last year. I have bought about 1.3 million worth of real estate in the last year (through mortgage leverage), and caught onto the ride. I am managing all of five rental properties myself. To get everything fixed [...]
 
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    The Dough Roller

  • DR092: How One Doctor is Learning to Invest Like a Pro

    Rob Berger
    24 Jul 2014 | 6:20 am
    It all started with a simple question about dividends and mutual fund fees. A listener to the podcast named Stephanie wanted to know if a fund’s returns were after fees and dividends. (They are.) After I learned more about Stephanie’s finances and career through several email exchanges, I popped the question. No, not that question. I asked Stephanie if should would be willing to share her story as a guest on the podcast. Today’s episode is my interview with her. In this interview, you’ll learn that Stephanie is a doctor. We’ll discuss everything from how many…
  • DR 091: Don’t Make the Same $100,000 Retirement Mistake I Just Made

    Rob Berger
    23 Jul 2014 | 7:00 am
    If you have self-employed income in addition to your regular job, can you contribute to a SEP IRA even if you have a 401k at work? This question hit home for me a few years ago due to the income generated from this website. To get right to the point, the answer to the question is yes, as I’ll explain in a minute. So what’s the $100,000 mistake? Based on my accountant’s advice, I mistakenly contributed far less to my SEP IRA than I could have. The mistake had to do with whether 401k contributions at work limit the amount you are entitled to contribute to a SEP IRA based on…
  • DR 090: Roth vs. Traditional IRA or 401k: The Math Behind This Important Decision

    Rob Berger
    22 Jul 2014 | 4:44 am
    It’s without a doubt the most frequent question I receive from readers of this blog. People want to know whether they should put their retirement savings in a Roth vs traditional IRA or 401k. I’ve written a lot about these retirement options. If you are new to retirement accounts, I’d suggest you start by reading some of the following articles: The Ultimate Guide to Roth and Traditional 401(k) and IRA Retirement Accounts 401k and IRA Contribution and Deduction Limits for 2014 How to Roll Over a 401k to an IRA 401k vs IRA–Where Should You Save for Retirement a 5-Step…
  • DR 089: 12 Keys to Making Smart Financial Decisions (#7 is a Doozy)

    Rob Berger
    16 Jul 2014 | 2:54 pm
    We face countless personal finance decisions every day. They range from the seemingly trivial (should we go out for dinner) to the more impactful (how much should we spend on a home). Yet each of these decisions work together to over a lifetime to define our finances. Over the course of running this blog since 2007 and the podcast since last year, readers have emailed me thousands of questions. These questions have covered topics as diverse as investing, credit scores, annuities, and taxes. The launch of the podcast last year has accelerated the email I receive. Now readers send in countless…
  • 9 Credit Cards That Offer Free Airline Companion Tickets

    Abby Hayes
    16 Jul 2014 | 7:48 am
    Credit card companies are constantly closing loopholes to make airline rewards less valuable. Taxes, fees, and limited availability all eat into the value of your credit card miles. But as airfare gets ever more expensive, one credit card reward becomes more valuable – companion tickets. Many of today’s top airline reward credit cards offer free companion tickets, so you can take someone with you on a flight. You can often redeem accumulated miles for part or all of one ticket, and then cash in the companion ticket for your friend, spouse, or whoever. Some credit cards offer annual…
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    Art of Money

  • The Return Policy – Friend or Foe?

    Jon
    3 Jul 2014 | 12:29 pm
    As my newsletter readers will already know, I had the first return of my Real Blog Videos last week. I guess ClickBank requires or requests people making returns to give a reason, so I did get an explanation for the dissatisfaction. To summarize they said that they could find the same information for free elsewhere […] The post The Return Policy – Friend or Foe? appeared first on Art of Money.
  • Business Term – Return on Investment

    Jon
    3 Jul 2014 | 12:23 pm
    I’ve been spending a couple hours a week for a few weeks now playing Cashflow 101. Mostly I play alone and I intentionally put myself in a really difficult financial position when starting the game, to see if I can still get out of the rat race and get rich. It’s all in the spirit […] The post Business Term – Return on Investment appeared first on Art of Money.
  • Be Careful What You Advertise

    Jon
    3 Jul 2014 | 12:19 pm
    Here’s a little tip for advertising buyers…be careful where you purchase your ads. Haha. For those of you that aren’t internet nerds the term 404 refers to a “404″ error which means page not found. Although silly this should not be confused with unethical advertising. The post Be Careful What You Advertise appeared first on Art of Money.
  • My To-Do List System

    Jon
    3 Jul 2014 | 12:16 pm
    There are some websites dedicated to the humble “To-Do” list where you can find all kinds of tips and even samples of real peoples lists. I’ve never found an online or web-based to-do system to be effective for me. I guess I like the tactile nature of a paper based system. I have played around […] The post My To-Do List System appeared first on Art of Money.
  • 8 Tools & Tips for Picking a Domain Name

    Jon
    3 Jul 2014 | 12:12 pm
    This is the final installment of my domain naming series. It’s just a bunch of tips and tool that I’ve used for brainstorming and selecting the perfect domain for your projects. Consider that the domain name is the single most important part of your website and it’s also the most difficult piece to change once […] The post 8 Tools & Tips for Picking a Domain Name appeared first on Art of Money.
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    Hustler Money Blog

  • Marriott Rewards Premier Credit Card Review

    Hu$tler
    24 Jul 2014 | 1:33 pm
    Earn 70,000 Points after spending $2,000 in your first 3 months from account opening with the Chase Marriott Rewards Premier Credit Card. Receive 1 Free Night Stay after account approval in category 1-4 locations, that’s up to 10 Free Nights! Marriott Rewards Premier Credit Card Review Marriott Rewards® Premier Credit Card from Chase is offering 70,000 Bonus Points after you spend $2,000 in your first 3 months and a free night stay from account opening. With every purchase you make, points are earned toward Marriott hotel stays, airline miles, Elite guest services and more. 5 points…
  • TD Ameritrade $2,500 Cash Bonus Rewards

    Hu$tler
    24 Jul 2014 | 11:06 am
    TD Ameritrade offers $2,500 in cash bonus money for depositing $1 million in new funds valid until September 30, 2014. You will also get a $75 transfer rebate to cover any rollover or transfer fees that your other brokerages charge you. TD Ameritrade $2,500 Cash Bonus Rewards For new and existing members, by far the biggest bonus offer from TD Ameritrade, you can earn up to $2,500 cash bonus with TD Ameritrade brokerage account.  You can get $2,500 cash for making a $1 Million deposit or transfer for a new or existing TD Ameritrade account using offer code 985 or ROIRA14A. Just open a new…
  • Chase Premier Checking Review: $500 Bonus Coupon Promotion

    Hu$tler
    24 Jul 2014 | 4:51 am
    There are now Chase $500 Premier Checking Coupons available online on eBay to buy. This is by far the biggest Chase checking deal I’ve seen in all my years of writing about Chase bonuses. Once you get the Chase Coupon Code, you visit your local Chase branch to open a Chase Premier Plus Checking account with a $100 deposit, and set up direct deposit. You’ll then receive $500 into your new Chase checking account within 10 business days after Chase receive your initial direct deposit. It’s most likely possible to open in conjunction with a $200 Chase Savings coupon to earn a…
  • Coinstar $8 Chili’s eGift Card Bonus

    Baller
    24 Jul 2014 | 4:30 am
    Gather up all your change around the house because Coinstar is having a $8 Chili’s bonus when you pour in $40 or more at their counting machine. They will print the  $8 bonus on your receipt with no expiration. The $8 Chile’s eCertificate bonus promotion is currently going on right now at all participating Coinstar locations through July 31, 2014. Coinstar is a change counting machine company which can be found at Mega Mart,Walmart stores, and other major supermarkets. You’re essentially getting a $48 Chili’s Gift Card for just $40! There are no fees when you cash in towards a…
  • MileagePlus Dining Program Review: 1,500 Bonus United Miles

    Baller
    24 Jul 2014 | 2:19 am
    Frequent fliers can take advantage of this great offer for 1,500 United MileagePlus bonus miles from MileagePlus Dining. You need to join MileagePlus Dining by December 10, 2014, then earn 1,500 bonus miles when you spend $30 on a single dine at a program location and complete your post-dine review within 30 days of joining. This great program will give you access to the bonus point system from United Airlines that awards you with frequent flier miles each time you dine at participating venues. Best Bonus Miles Cards United MileagePlus® Explorer Card offers 30,000 bonus miles after you spend…
 
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    Personal Finance News

  • ION introduces the Brand Channel Network (BCN)

    ACN Staff
    24 Jul 2014 | 6:24 pm
    Software toolset aggregates the power of fans, advocates, influencers, bloggers, creators and their social media audiences. LIGHTNING RELEASES –Pasadena, CA – July 24, 2014 – ION, Ayzenberg Group’s proprietary platform that curates and activates online influencers, today announced the addition of the Brand Channel Network (BCN) to their offerings. BCN helps brands discover, connect and […]ION introduces the Brand Channel Network (BCN) was created by and is property of American Consumer News.
  • New Licensed Antivenin Available for Veterinarians

    ACN Staff
    24 Jul 2014 | 11:01 am
    LIGHTNING RELEASES — July 24, 2014- Los Angeles, CA- MT Venom, LLC announces that its proprietary antivenin for exclusive use by veterinarians called VENOM VET™ was issued a sale and distribution permit by the USDA in April 2014. VENOM VET™ is a polyvalent equine derived antivenin developed for use against snakebites to dogs from RATTLESNAKES, […]New Licensed Antivenin Available for Veterinarians was created by and is property of American Consumer News.
  • Helpline Upstart in Mint Hill Helps Troubled Teens Locate a Helpful Youth Rehab Facility

    ACN Staff
    24 Jul 2014 | 9:13 am
    Informative teen substance abuse helpline in Mint Hill, NC is providing parents and teens with a valuable resource for youth rehab information. LIGHTNING RELEASES 07/21/14– For many years, very little information on youth substance rehab was available to those in Mint Hill, NC. Troubled Teens Mint Hill was established to provide parents and their teens […]Helpline Upstart in Mint Hill Helps Troubled Teens Locate a Helpful Youth Rehab Facility was created by and is property of American Consumer News.
  • New Helpline Offer Adolescent Substance Abuse Recovery Support in Kinston, NC

    ACN Staff
    24 Jul 2014 | 9:12 am
    Troubled teens Kinston is bring hope to local teens and parents searching for youth rehab. LIGHTNING RELEASES 07/21/14 –Teenage drug and alcohol addiction has been a serious issue among young people in Kinston, NC for a long time. Thousands of young adults throughout North Carolina struggle with substance abuse on a regular basis. Part of […]New Helpline Offer Adolescent Substance Abuse Recovery Support in Kinston, NC was created by and is property of American Consumer News.
  • DanceKidsUSA to launch new Dance Competition with TV Pilot – Auditions in August

    ACN Staff
    24 Jul 2014 | 7:41 am
    LIGHTNING RELEASES 07/24/14 –DanceKidsUSA is a unique Dance Competition that is run by KIDS. The announcer, backstage manager and all judges are ages 12-15.For young dancers who compete each week, this will offer a completely new perspective on their performances. “We believe the competitive dance community will welcome this new approach to dance adjudication. We […]DanceKidsUSA to launch new Dance Competition with TV Pilot – Auditions in August was created by and is property of American Consumer News.
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    Cash Money Life | Personal Finance, Investing, & Career

  • Ten Ways to Maintain the Value of Your Car

    Kevin Mercadante
    14 Jul 2014 | 12:15 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Ten Ways to Maintain the Value of Your Car. A lot of car owners become concerned with the value of their cars only when it comes time to sell them. But cars don’t lose value overnight, unless of course they undergo an accident. The value of your car can be maintained – or lost – over the many years that you own it. How you care for your car has everything to do with the price it will command when it comes time to sell it or trade it in for a new car. Here are 10 ways to maintain the…
  • TradeKing Promotions – Best Promo Ever – $1,000 in Commission Free Trades!

    Ryan Guina
    27 Jun 2014 | 10:05 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at TradeKing Promotions – Best Promo Ever – $1,000 in Commission Free Trades!. TradeKing is one of the leading online discount brokers, and they are well known for a mix of great prices, a robust trading platform, and excellent trading tools. Here is a top level overview, and a rundown of their current promotions, including their biggest promotion ever, $1,000 in commission-free trades! TradeKing: Top Rated Discount Broker. TradeKing has been rated 4 stars by Barron’s in each…
  • What You Spend Your Money on Matters: What Will Make You Happy?

    Miranda Marquit
    23 Jun 2014 | 10:29 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What You Spend Your Money on Matters: What Will Make You Happy?. When it comes to money, it’s not so much how much you have that matters as what you do with it. Of course, we’re all different, so you have to figure out what works for you. But research does provide some hints about what is likely to make you happy when it comes to the way you spend your money. As recent infographic from Happify illustrates some of the ways that spending on the “right” things can make…
  • Improve Your Small Business Results with Mindfulness

    Miranda Marquit
    18 Jun 2014 | 4:54 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Improve Your Small Business Results with Mindfulness. One of the problems that many of us run into as owners of home businesses or small businesses is that there seems to be too much going on. It’s easy to get distracted. One of the ways to find better small business success is to take a step back and practice mindfulness. Dr. Romie Mushtaq is a neurologist and a mind-body expert. She believes that mindfulness can help you focus better, increasing your productivity. If you want to…
  • How to Market Your Small Business Without Breaking the Bank

    Kevin Mercadante
    16 Jun 2014 | 3:31 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Market Your Small Business Without Breaking the Bank. Marketing is often the Achilles’ heel of businesses, particularly upstart businesses. Many businesses and business owners have excellent ideas, products, and services, but they fail for lack of ability to reach out to the market and draw in paying clients and customers. If you have a business, marketing will be your life’s blood. How can you market your small business without breaking the bank? Create a website and turn it…
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    Grad Money Matters

  • Saving Money When Working For Yourself

    GMM
    24 Jul 2014 | 1:00 am
    If you have decided that you want to work for yourself, then you may be trying to budget how much all of this is going to cost you.Well, let me tell you the truth – starting a business does not have to be expensive at all!Yes, some businesses may require a lot of money upfront and also a lot of money to maintain, but there are some businesses where it might be nearly free to start.In fact, I have my own business and my costs were minimal. I wanted to be smart with my spending, and focus instead on improving my revenues, especially in the beginning. I much rather prefer to be smart and…
  • Mistakes You Are Making At Work

    GMM
    23 Jul 2014 | 1:00 am
    Before I left my job to freelance, I was a manager for several years. In the beginning, we had very low turnover, and then later on it led to somewhat high turnover. I’m not sure what happened, but the people who my boss was hiring were just downright BAD. I saw so many mistakes and most of the time it was for really ridiculous things.Below are some of the mistakes that you may be making at work:Spending too much time doing personal stuff.It is said that the average person usually spends most of their work week doing personal stuff. This means that instead of actually working, you may…
  • IBM Pure Systems

    GMM
    22 Jul 2014 | 8:59 pm
    Today, I have a video to show you. Tangerine Bank (a Canadian-based bank) is moving into the future (aren’t they already an awesome bank? ) by working with IBM to create a better banking system. They plan on putting the client first and foremost in its processes from deveoplment to its backend systems.
  • Do You Need To Take a Sabbatical?

    GMM
    18 Jul 2014 | 3:00 am
    In some countries, taking a long break from your job and going back to it after the break is considered normal. However, if you are from the United States, taking more than one week off is usually frowned upon. Whether you are having a child, are having family related issues, and so on, taking long amounts of time off are not usual. Yes, there is FMLA, but it’s not the same or as great as it is in other countries.So, you might be interested in taking a sabbatical. A sabbatical is when you take time off from work. Different people use them for different things, and this could be for…
  • 4 Common Mistakes Made By The Self-Employed

    GMM
    16 Jul 2014 | 2:00 am
    I’ve been self-employed for a little bit now, and I have made mistakes along the way. No one is perfect, but today I would like to talk about four common mistakes that the self-employed tend to make.I am the type of person who learns best after a mistake, so don’t fret if you’ve made any of the mistakes below. The key here is to learn from your mistake and improve in the future so that you don’t continue to make the same mistakes over and over again.1. Thinking a bad month will never happen.Now, I don’t think there’s anything wrong with trying to be…
 
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    brip blap

  • When I Realized I Needed Life Insurance and Some Helpful Tips

    Lazy Man and Money
    19 Jul 2014 | 7:46 pm
    There are a lot of key moments in life. When you met that special person and know that she’s the one. When you actually ask her to start her life with you. When you buy your first home. Then there’s the first time you realize that you need life insurance. For me, and many others, it comes with holding their first child in their hands. That’s a hectic time and there’s not much sleep to be had, but that doesn’t make life insurance any less important. With that in mind, here are some things about getting life insurance: Know Which Type to Shop For There are two…
  • avoiding the Waiting Place

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

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

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

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

  • The Cost of Employee Turnover

    Ron Haynes
    30 Jun 2014 | 2:45 am
    Few organizations really understand the full cost of employee turnover. I was speaking to a supervisor for a manufacturer on LinkedIn (connect with me on LinkedIn) who revealed to me that last year, he had to replace over 120 workers. When I asked him what that cost, he had no idea. Maybe after reading this info graphic, he might get a closer picture of the true cost of employee turnover. Average cost to replace an $8/hr employee = $3,637 (Coca Cola) to $11,609 (Cornell) with an average for the ten lowest being $5,505 Average cost to replace a $30,000/yr employee = $4,800 Average cost to…
  • 12 Networking Opportunities You Cannot Afford To Miss

    Ron Haynes
    26 Jun 2014 | 8:00 am
    In a previous article on networking mistakes, I addressed several of the stumbling blocks that many people encounter when beginning to network. But to make those mistakes, you have to at least get started! This article addresses 12 potential avenues for networking that you may have overlooked. There’s no better job search or career exploration strategy than networking. Deciding to use networking is a wise decision for your career and your own personal development. But too many people think of networking as a stressful event, attending some boring get togethers with old guys that smell funny…
  • Lying To Ourselves Is The Worst Lie Of All

    Ron Haynes
    1 Jun 2014 | 10:30 pm
    You are the only person who really values your time. Think about it. How many times have you been a position where you needed or wanted to accomplish something (eat lunch, attend a school function, visit a relative, take a vacation), but someone else (co-worker, boss, spouse, child, customer) demanded that you bend to their priorities? You ARE the only person who values your time. We need to insure we use our time wisely. Time is the “stuff” that life is made of, making the most of it should be our top priority. To do so, we need to ask ourselves some hard questions and demand truthful…
  • 8 Retail Ripoff Tactics

    Ron Haynes
    30 May 2014 | 7:00 am
    Think you’ve seen every retail ripoff? Think again. Here are 8 common tactics used by retailers and car dealers to separate you from your hard earned dollars. Read these and be prepared for the next time! 1. Warranty scare tactics. An extended warranty may or may not be a good idea depending on the product purchased, it’s history, the planned usage, and the original price paid for it. Extended warranties are cash cows for the companies that sell them and are one of the top retail ripoffs. The Washington Post says that only 20% of the money spent on extended warranties ever goes to…
  • Is Refinancing My Car Loan Worth My Time?

    Ron Haynes
    20 May 2014 | 3:00 am
    As the prices of automobiles continue to increase, most buyers today consider it inevitable they will have to take out a loan to purchase their dream vehicle. However, the downside of a car loan is often the amount of the monthly payment as well as the length of the loan. Because many of today’s loans extend up to eight years, at some point it may make sense to consider a car refinance loan. While this sounds like a good idea to many, others wonder if it is worth the time it will take to gather the information and work out the details. For those who do so, the work usually results in…
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    Everybody Loves Your Money

  • An Easy Way to Evaluate a Rental Property

    Alexa
    22 Jul 2014 | 9:15 pm
    Since discovering the recent foreclosure that I convinced myself I needed to swoop up, I’ve been doing a lot of research on what makes a good investment property. With flipping, the calculation is easy. You simply need to sell the house for more than what you have invested in it. But the problem with flipping is that it’s not easy. There’s huge risk associated with flipping a property – being the property doesn’t sell. In this event you’d either have to walk away without a profit, a possible loss, or rent the property. And for me I’d definitely go the renting route. Here’s the…
  • Where Should I Go on Vacation? (Plus a Credit Card Rewards Rant)

    Alexa
    20 Jul 2014 | 9:15 pm
    I’ve been thinking lately that I need to take my kids somewhere fun for a weekend and make some awesome memories, but I don’t know where to go. Unlike, most of mankind I don’t really care for traveling. It doesn’t get me excited. But I would like to have a fun, inexpensive, low maintenance 2-3 day getaway with my two daughters. Show Me the Money Jamie has generously offered to cash in all the change he’s been hoarding over the last several years to use as vacation money for the four of us. Take a look: It’s kind of hard to tell in the picture but this is a huge jar! So I’m…
  • Link Love 7/18/14

    Alexa
    17 Jul 2014 | 9:15 pm
    Happy Friday. I hope you’re having a good day. And just in case you’re in need of some weekend reading here are a few of my favorite posts from the week: 7 More Ways to Save on Groceries @The Frugal Farmer 4 Tips for a Successful Job Interview @Young Adult Money Reasons to Change Jobs @Gajizmo Financial Literacy and Asking the Wrong Questions @Planting Our Pennies Tutoring as a Side Gig @Real Simple Finances Have a good weekend!! The post Link Love 7/18/14 appeared first on Everybody Loves Your Money.
  • Tiny Houses: Yay or Nay?

    Alexa
    15 Jul 2014 | 9:15 pm
    It’s no secret that tiny houses are becoming extremely popular. They are the earth loving, money saving, minimalist’s dream. These tiny houses can often be no bigger than 150 sq. ft. (Don’t believe me? Check out this tiny home constructed in a truck. That’s what I call a mobile home.) With the media pining over tiny homes more and more people are starting to prefer this alternative living. But could you live in a tiny home? The Pros of Living in a Tiny Home There are a ton of pros that I can see right off the bat. These include: Financial Freedom – As I’ve been perusing tiny house…
  • Are You Afraid to be Different?

    Alexa
    13 Jul 2014 | 9:15 pm
    Every month I publish my monthly income numbers online and even though the money I’m earning is more than enough to get me by, I always mention the same thing. “This may be considered a low income but it works for me.” And all of a sudden I’m wondering why I even add this statement. To fill you in I earn somewhere around $2,500/month and all of my expenses only come to $1,600/month. In my opinion I have a good life. Two wonderful kids. An awesome family. A place to live. Work I enjoy. And no debt. But compared to other income reports bloggers publish, my income equates to a tiny…
 
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    CreditCards.com

  • My furry student loan debt reality check

    Sienna Kossman
    22 Jul 2014 | 12:00 pm
    I made my 3-part student loan repayment budget. I selected my payment plan. I was starting to come to terms with the monthly sacrifices I'd be making to pay off my student loan debt over the next decade.And then I saw a shelter dog's big brown eyes.I grew up with dogs. Ever since I finished college and moved into a place of my own, I've been on the lookout for that perfect canine companion. My budget is tight, but I figured if I adopted a young adult dog from a local shelter it wouldn't be very costly -- no outrageous adoption fees or puppy medical costs that way.So I started actively looking…
  • High-cost child care: Pushing families into debt?

    Kelly Dilworth
    18 Jul 2014 | 5:00 am
    When my husband and I first started shopping around for infant day care, I was shocked by how much it cost. In our midsized city in central Ohio, full-time care at a reputable center can run as high as $1,300 a month. In some higher cost areas, such as New York City or San Francisco, infant care can cost almost twice that. According to Child Care Aware of America, parents in 31 states around the country are paying more, on average, for infant child care than they would likely have to pay for in-state college tuition. In Colorado for example, a college freshman at a four-year public university…
  • Consumer protection bureau goes all Yelp

    Fred Williams
    18 Jul 2014 | 4:54 am
    The federal watchdog over consumer finance wants to publish complaints about banks and financial services on its website. If you receive a card offer from Generic Bank, for example, you could look up the company and see what its customers are saying about it. "Consumers often go online to do their homework before deciding what to buy," Consumer Financial Protection Bureau Director Richard Cordray said Thursday at the outset of a public hearing in El Paso, Texas. Complaints published by other agencies at safercar.gov and saferproducts.gov have become important shopping tools for buyers of cars…
  • Feds working to build cybersecurity defenses

    Sienna Kossman
    17 Jul 2014 | 12:38 pm
    After writing about a study that revealed consumers want more federal government involvement in cybersecurity and data breach resolution, I wanted to learn what, if anything, is happening on the federal government level that addresses these concerns.As it turns out, there's been quite a bit of activity on the subject this year, especially in recent weeks. Here's what I found to be the most relevant pieces of cybersecurity legislation making its way around Capitol Hill:1. Personal Data Privacy and Security ActFor consumers who want more information about a data breach when it happens, this…
  • Some lenders getting antsy about household debt

    Kelly Dilworth
    11 Jul 2014 | 5:00 am
    If you're already carrying a hefty amount of student loan, mortgage or card debt, you may have a tough time convincing your lender you deserve another loan. A new survey from the Professional Risk Managers International Association and FICO found that the majority of bank risk professionals cite high debt-to-income ratios (which compare how much debt you owe to how much money you take in) as their biggest source of worry when deciding whether to approve a new loan. "As consumer confidence picks up and people increase their borrowing, lenders are understandably concerned about growing…
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    One Frugal Girl

  • Everyday Celebrations with Maria Loggia

    One Frugal Girl
    15 Jul 2014 | 5:00 am
    Maria Loggia’s kitchen door is always open. Her home and garden are a gathering place for friends and family, who come to share her easygoing enthusiasm and generosity – and her inspired Italian cuisine. In this, her second book, Loggia celebrates the seasons with 16 sumptuous menus – from a spontaneous al fresco garden party to a slow-simmered midwinter feast and a traditional Sunday family lunch. Everyday Celebrations with Maria Loggia is on a spotlight tour from July 14 to 18. Author & Chef: Maria Loggia Category: Non-fiction Genre: Cooking, Food & Wine, 176 pages Publisher:…
  • A Tradition Worth Passing On

    One Frugal Girl
    10 Jul 2014 | 6:31 pm
    When I was pregnant with my son I received a giant box in the mail filled with wrapped gifts. My husband’s aunt passed on the tradition of providing me with one gift for each prenatal appointment. I loved that I idea so much that I bought presents for my husband’s friend who was expecting their first bundle of joy last year. As fate would have it their child was born much earlier than expected and our goody bag of gifts turned into an impromptu baby shower of sorts. When a friend of mine from college announced her pregnancy last year I knew that I wanted to continue the tradition…
  • Regrets

    One Frugal Girl
    8 Jul 2014 | 12:18 pm
    My ninety-one year old grandmother recently told me she regrets never traveling to Paris. She mentioned the desire to take a trip there ten or fifteen years ago, but I didn’t realize how important it was to her. At the time I was so entrenched in my own day-t0-day life that I failed to see how valuable that experience may have been for the two of us. If I could turn back the hands of time I would purchase two first class tickets and spend a week there with her. Now she is too frail to travel. My grandmother is a feisty woman and I love to listen to her take on the world.
  • Stop! I Want Off!

    One Frugal Girl
    7 Jul 2014 | 6:47 pm
    Over the past two and a half years I dramatically cut back on clipping coupons and scouring drugstores in search of freebies. My primary reason was a desire to save time. It was a royal pain in the you know what to drag my infant son around from store to store, pull him out of the car seat, find a way to occupy him while I shopped, distract him while we waited in long lines and strap him back into the car. I haven’t played the drugstore games for quite a long time, but when I found myself walking out of Rite Aid two weeks ago with $15 worth of +UP Rewards I could feel the urge to restart…
  • Unfounded

    One Frugal Girl
    2 Jul 2014 | 10:42 am
    I’ve always felt old beyond my years. Some children are free spirits. I was not. I was the serious type, always concerned about one thing or another. My parents are worriers and I wonder if I was born this way or if their behavior changed me. I never gave that idea much thought until I had a child of my own. Now as I watch my son I think a lot about who he is and how my actions may change him. I wouldn’t say I worry about it, but I certainly think about it a lot. I am a worrier. As someone who often felt shy I worried about making friends, fitting in and feeling comfortable in my…
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    My Dollar Plan

  • How to Find Coupons for Groceries

    Kristen
    24 Jul 2014 | 6:29 am
    While watching Extreme Couponers one day, I was amazed at the amount of coupons they always have. Since I felt like I rarely come across that abundance of coupons, I decided to start making more of an effort to find coupons to save more money on my grocery bill. How to Find Coupons for Groceries Here are some places I look to find coupons for groceries: Product specific websites: Visit any specific product’s websites, and they may have a tab for coupons, promotions, or specials. You can find printable coupons right on their website. Social media pages for products: If you can’t print out…
  • Pay Less for School Supplies on the 2014 Tax Free Weekends

    Madison
    23 Jul 2014 | 6:45 am
    The 2014 state sales tax holidays are almost here! If you’re lucky, your state will encourage you to shop on specific days this summer to avoid paying sales tax. The tax free weekends and sales tax holidays vary by state, but many are having the 2014 tax free weekend the first weekend in August for back to school shopping. The tax free weekends will feature savings on clothes, computers, school supplies and books. Many of the states limit sales tax savings to $100 per item. However, computers typically have higher limits, anywhere between $750 and $3500 depending on which state you live…
  • Motif Investing Review to Earn $150 Sign Up Bonus

    Madison
    22 Jul 2014 | 6:29 am
    I just finished opening my new Motif Investing account to take advantage of the Motif Investing $150 Sign Up Bonus. Here’s an overview of how it went and how Motif Investing is different than the other online discount brokers we’ve reviewed. Motif Investing Review What is a Motif? A Motif is a portfolio of stocks (and ETFs). Trades are based on buying a Motif (or a portion of a motif) which can include up to 30 stocks. The trading commission covers all stocks in the motif. Motif Account Details Account Minimum: None Account Fees: None Trading Fees: $9.95 per Motif or $4.95 per…
  • 5 Practical Wedding Tips from the Tightwad Gazette

    Amanda
    21 Jul 2014 | 6:29 am
    Amy Dacyczyn allowed her creative juices to flow when it came to frugal living. She began a newsletter, called The Tightwad Gazette, in 1990 and ran it until late December 1996. Her name became synonymous with frugality, cheap living, and being a tightwad, and her books have lived on (and probably will continue to do so well into the next century). So, what does this frugal guru have to say about that most expensive of life events: the wedding? To find the answer to this, I poured through three of her books, The Tightwad Gazette, The Tightwad Gazette II, and The Tightwad Gazette III to see if…
  • Amazon Store Card $10-$20 Sign Up Bonus

    Madison
    18 Jul 2014 | 6:29 am
    We have covered the Amazon Visa credit card $30 Sign Up Bonus before. I just noticed an alternative, the Amazon Store card with its own sign up bonus. The bonus is our Free Money Friday offer this week. How to Get Your $10 Sign Up Bonus Open a new Amazon Store card. A $10 Amazon.com Gift Card will instantly be loaded into your Amazon.com Account upon the approval of your credit card application. How to Get Your $20 Sign Up Bonus Once you click apply now and log in to your Amazon account, you can revisit the Amazon Store card page and it will show an updated offer. My husband’s account…
 
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    My Financial Journey

  • Retirement Nestegg Report – June 2014

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

    MFJ
    2 Jun 2014 | 8:28 am
    Well nothing too exciting this month – I gained some of the lost ground to the SP500 the last few months and I made $4000 in contributions to our Roth IRA accounts. The good news is I didn’t have any five or six figure purchases this month so I feel a little bit more frugal than I did last month Taxable Account – $5,099.04 (+2.99%) Traditional Rollover IRA – $30,500.70 (-1.23%) My Roth IRA – $103,334.94 (+7.92%) Wife Roth IRA – $56,790.05 (+5.32%) Traditional 401k – $191,961.67 (+2.52%) Roth/Traditional % = 41.30% (tax free) Total Retirement Nest Egg $387,686.40…
  • Retirement Nestegg Report – April 2014

    MFJ
    1 May 2014 | 10:57 am
    Ouch a very rough month for my retirement nestegg and for the 2nd month in a row my portfolio badly underperformed the SP500. To top it off I also finally made a land purchase so $131,000 came out of my savings account and went to buying some dirt. Also last month we purchased a new minivan for $15,000 so cash savings is flying out the door and my investment accounts are dropping as fast as they went up. Bottom line is I feel a lot poorer this month than I did last month. In the grand scheme of things the investment fluctuations mean nothing. I have a pretty volatile stock portfolio and so…
  • Retirement Nestegg Report – March 2014

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

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

  • The FBA Experiment (Part 2)

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    21 Jul 2014 | 6:00 am
    A couple of weeks ago I decided to try selling on Amazon (using the Fulfillment-By-Amazon service, to be exact). My first step was to do a little bit of research. I spent some time learning the basics of how it might work, and what I might purchase to resell on Amazon. Next up was doing the shopping. The shopping I decided to focus on the things I knew best (In other words, categories of things I typically buy.) so that I would have a better shot of recognizing a good deal when I saw it. That meant I was looking for: Things for the house Art & craft supplies Pet food & toys So I hit…
  • How to Recognize a Scam Before It’s Too Late

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    14 Jul 2014 | 6:00 am
    Unfortunately, sometimes it’s relatively easy to fall for a scam — and even easier to feel stupid if it happens, which makes it harder to stop the scammers because people don’t want to come forward. I was the victim of one myself once, and although I didn’t lose much money it still wasn’t fun. Scams are so prevalent that the FTC puts out scam alerts to inform consumers. How can you avoid being scammed? Well, most good scams have certain identifying features. Avoid them by keeping an eye out for them. Here are 9 hallmarks of a scam. 1. The offer is unsolicited…
  • The FBA Experiment (Part 1)

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    7 Jul 2014 | 6:00 am
    I’m a regular listener to Pat Flynn’s podcast, and a while back he did an interview with Jessica and Cliff Larrew, who have a full time business selling on Amazon. What she does is called Fulfillment-By-Amazon (FBA). I decided to dip my toe into FBA and report back here on my results for those who might be interested in doing the same. This type of retail arbitrage could be another way to make extra money. Why FBA vs eBay? Many years ago, I’d sold a few things on eBay. While it was exciting to make money on things, I hated packaging everything up and sending them out to…
  • Going the Section 8 Route for a Rental

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    30 Jun 2014 | 6:00 am
    A couple of weeks back in my rental property update I talked about how I’d decided to go the Section 8 route for it. This post will talk about how that went for me. For those not familiar (and I wasn’t really either) Section 8 is a portion of US housing law that allows for government-provided rental assistance to the low income families who qualify and are accepted by the program. The program basics Here’s a little excerpt from the fact sheet that explains the basics: “A family which receives a housing voucher can select a unit with a rent that is below or above the…
  • Take a Leap of Faith

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    23 Jun 2014 | 6:00 am
    I remember the first time I quit my job to take advantage of an opportunity that really appealed to me. It was scary. People told me it was a bad idea, that I was crazy, and that they could never do something like that. (That last part was sometimes said a bit wistfully.) Privately, I wondered if I was stupid and irresponsible. Going through with it anyway I spent time going over the pros and cons, and the cons seemed to weigh pretty heavily. After all, I was giving up a full time job (with benefits and a 100% 401k match, no less) to go work as an intern in a foreign country for a few months…
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    Million Dollar Journey

  • Building your “Forever Money” Portfolio

    FrugalTrader
    21 Jul 2014 | 4:30 am
    One of my “money philosophies” is to focus on nurturing the goose that lays the golden eggs.  In this parable, a farmer had a goose who laid a golden egg on a daily basis.  The eggs were valuable and allowed the farmer to live a modest, but fullfilling, lifestyle. Even though life was good, the farmer turned greedy and assumed that there was much more gold inside of the goose.  Sadly, upon killing the goose the farmer discovered that it was just like any other goose, destroying their passive income, and lifestyle, in the process. How does this story apply to personal finance?
  • Staycations, Value Premium, Barbecue Menus, Living Debt-free, and more!

    FrugalTrader
    18 Jul 2014 | 4:30 am
    This is a good article from the archives about the basics of insurance (scroll down to the bottom of the article for a free e-book on the topic). Time spent in an exotic land need not be the only way to seek pleasure. My Own Advisor lists Why Staycations Are Worth It. Personal growth, even if the progress is slow, is a worthwhile pursuit for everyone. Canadian Dream hits the right notes by discussing about Adding Capacity. Michael James on Money asks: Does the Value Premium Exist? and addresses the implications for index ETF portfolios. The Retire Happy blog highlights why Money, Marriage…
  • Why You Should Think Twice about a Mortgage with the Big Banks

    Sean Cooper
    14 Jul 2014 | 4:30 am
    Whether you’re a first-time homebuyer or you’re renewing your mortgage, it’s important to shop the market for the best mortgage rate. The days of most homeowners strolling down to their local bank branch to obtain a mortgage may be numbered. The share of new mortgages obtained through banks is dwindling. 42 per cent of all new mortgages in 2013 were obtained from a bank, while 40 per cent were obtained through a mortgage broker, according to CAAMP’s Annual State of the Residential Mortgage Market in Canada. In fact, overall mortgage broker share has increased from 25 per cent to 28…
  • Government Grants and Financing for Businesses – II

    Clark
    11 Jul 2014 | 4:30 am
    The first part of this series looked at some of the government grants/funding available to businesses across Canada. This second and final part of the series will cover a few more nationwide programs available for different industries. There is a link at the end of the article that provides the full list of programs and can be narrowed down by province. International Science and Technology Partnerships Program The International Science & Technology Partnerships Program (ISTPP) aims to promote bilateral research projects that offer commercialization potential. The program supports…
  • Team MDJ – The Wealth Builders – Vote for your Favorite!

    FrugalTrader
    8 Jul 2014 | 4:30 am
    Since proposing the concept of reader-based net worth updates, my email inbox has been non stop!  I’m happy to see so many readers interested in sharing their story with others and being held publicly accountable for their financial goals.  Initially, I wrote that the team would consist of 3-4 members, but I have decided to increase it to 6 members.  Each member will still post quarterly, but I will post updates on MDJ twice a month. I have already picked 3 members, which means there are 3 openings remaining . There are simply too many good applicants to choose from, so I need your help…
 
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    Bible Money Matters

  • Cut Your Budget Some Slack By Slashing Your Recurring Expenses

    Peter Anderson
    21 Jul 2014 | 9:11 am
    Figure out where you're spending money every month on a regular basis, and find ways to cut those recurring costs from your budget. You'll save hundreds! The post Cut Your Budget Some Slack By Slashing Your Recurring Expenses appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Is Wealth Inequality A Problem That Needs To Be Solved? Is There Still Social Mobility?

    Peter Anderson
    18 Jul 2014 | 12:26 pm
    How much income and wealth inequality is there, and what does it mean for the future? Can you still be upwardly mobile in society these days? The post Is Wealth Inequality A Problem That Needs To Be Solved? Is There Still Social Mobility? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Best Android Apps For Improving Your Finances

    Peter Anderson
    15 Jul 2014 | 4:30 am
    What are some of the best Android apps available to help you improve your finances? We do a quick rundown of our top favorite financial Android apps. The post Best Android Apps For Improving Your Finances appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 3 Types Of Financial Risk You Need to Be Aware Of

    Miranda Marquit
    14 Jul 2014 | 9:02 am
    Before you make a financial decision, make sure you understand the following 3 types of risk. The post 3 Types Of Financial Risk You Need to Be Aware Of appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Is It Possible To Live Without Credit? Or Is It Too Much Of A Pain?

    Peter Anderson
    10 Jul 2014 | 1:10 pm
    Is it possible to live in our society without using credit, or is it next to impossible to live outside of that accepted credit scoring framework? The post Is It Possible To Live Without Credit? Or Is It Too Much Of A Pain? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • Comic-Con International and Financial Super Heroes

    bigcajunman
    24 Jul 2014 | 5:04 am
    This weekend the biggest nerd fest this side of the Cern Super Collider takes place when Comic-Con International 2014 happens. I am a big enough nerd to know that this is only for poser nerds, but let’s delve into the world of comics and see what we might learn from various comic book characters. Bruce Wayne, “The Bat Man™”, has taught us the importance of saving and getting filthy stinking rich, so that you can then avenge your parents death and any other crimes you wish to avenge in your spare time. It’s important to save, however, Mr. Wayne got his money from his…
  • Disability Insurance vs. Critical Illness Insurance

    Big Cajun Man
    22 Jul 2014 | 4:07 am
    I really didn’t understand the difference between these two different types of insurance policies, but luckily I have smart friends who answer my dumb question like, “What is the difference between Critical Illness Insurance and Disability Insurance?”. Chantal Marr answered my query (she is part of LSM insurance one of my advertisers, and she is also my insurance consultant for this blog as well), and I think I now understand the big difference between these two policies. Critical Illness Big Winner! (really?) Chantal’s answer is concise and easily understood:…
  • Inflation Stays up in June in Canada

    Big Cajun Man
    21 Jul 2014 | 4:07 am
    The good news is  that on Wednesday last week the Bank of Canada kept their key over night rate at 1.0% for now, however on Friday Stats Canada confirmed what we all already knew, inflation continues at its torrid pace in June, specifically: The Consumer Price Index (CPI) rose 2.4% in the 12 months to June, following a 2.3% increase in May. Remember that over 2.0% starts the Bank of Canada taking notice of Inflation. The graph for Inflation does not look very good, as you can see: Inflation over the past little while in Canada Quite the spike going on, what caused this jump? A very good…
  • All Stars, Al Stars and the #BestOfFinancialForWeek

    Big Cajun Man
    18 Jul 2014 | 4:38 am
    So the World Cup is finally over, congrats to the German team, we hope this means the beginning of a thousand years of supremacy in Football (maybe that isn’t the right phrase to use, but congrats). Interesting game to watch, glad it didn’t go to penalty kicks. Le 14 Juillet Bastille Day!Image courtesy of noppasinw / FreeDigitalPhotos.net For those that may have missed it on le 14 juillet it was Bastille Day, which might explain why any of your French associates seemed overly patriotic on that day. The baseball All-Star game was played this week, in Minnesota. This game actually…
  • If You Can: How Millenials Can Get Rich Slowly (A review)

    Big Cajun Man
    17 Jul 2014 | 4:54 am
    Michael James told me about a booklet entitled If You Can How Millenials Can Get Rich Slowly by William J. Bernstein (ASIN: B00JCC5JKI) (Publisher: Efficient Frontier Publications ) (the Amazon Kindle link is included as well), and I am very impressed by the writing style of Mr. Bernstein and the message he is sending with this inexpensive booklet. Amazon Link for Booklet I usually shy away from reading books on investing and such (I have a large pile of books I have promised to review, but have not quite got around to doing anything about them), so this booklet took only about 3 months for…
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    Early Retirement Extreme

  • Retiring early on $500,000

    Jacob
    24 Jul 2014 | 10:57 pm
    This is a guest post from Debbie M giving a detailed budget for a retirement plan costing half a million dollars. For most incomes, half a million means a less early retirement. Yet, it is still earlier than the “usual million(s)”. The best part of my story is figuring out my expenses. Since I plan to quit work forever (or at least be able to) once I achieve financial independence, this is vital. It’s much harder to find a job when you’ve been out of work a while, and frankly it’s hard enough for me to find jobs now. The first step in guessing what my future spending will be…
  • Podcast: I got interviewed on radicalpersonalfinance.com

    Jacob
    24 Jul 2014 | 9:12 am
    This podcast is not really a “standard” interview but rather a very long conversation (warning: it’s over 3 hrs long). Note: This is not an “introduction to ERE”-style interview. Instead it goes into the underlying philosophy behind ERE touching on [perhaps] new ways of understanding and seeing them. Radical Personal Finance #25 (Also check out #3 which is a review of the ERE book) Copyright © 2007-2014 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…
  • Are we qualitatively different?

    Jacob
    23 Jul 2014 | 10:53 pm
    If there is anything this country enjoys, it’s measuring things by numbers and then comparing numbers. We divide people into percentile according to net worth, credit score, GPA, GDP, IQ, etc. with the implicit assumption that it is possible to understand the entire scale simply by multiplying by a number. For instance, someone spending twice as much must live twice as well or someone with twice the IQ must be twice as smart. However, all of these numbers are a function of something that is very complex and nonlinear. Therefore it makes no sense to compare two numbers which are very…
  • What retirement means to me

    Jacob
    23 Jul 2014 | 10:53 am
    Following this post, I got this interesting question from “The Executioner” (slightly rephrased) “You still have a full-time job, right? How can you call your blog “Early Retirement Extreme” if you’re still on someone’s payroll as a full-time employee?” Yes, I have a full-time job, a part time job, I write this blog, I’m working on a book, I’m on the board of a non-profit organization full-time job again but in another field. I only live so long and there is so much to do, so I doubt that I will ever be able to sit still viz. “retire”. I…
  • New math

    Jacob
    22 Jul 2014 | 10:49 pm
    Check out the engaging animation from morenewmath via 350. I’m contemplating creating a similar animation for ERE. After all, ERE saves about three times as much CO2 as driving a car that runs 100% on renewable energy resources. Copyright © 2007-2014 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)
 
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    2million's Personal Finance Blog

  • Toyota Sienna 2014 Purchase Breakdown

    2million
    20 Jul 2014 | 6:53 am
    Back at the end of March my wife and I purchased a new 2014 Toyota Sienna LE. I found it hard to get good benchmark prices online so wanted to share our cost breakdown. We purchased a 2014 Toyota Sienna LE in North Carolina (I found pricing differs slightly based on locale) for $28,000 out the door. This included the LE model, 8 Passenger, Pre-Dawn Grey with 10 miles on odometer and floor mats. We visited 3 local dealers and contacted 4 dealers within a 5 hour drive of us. In the end we purchased from a dealer about 2 hours away (near family). Here was the breakdown of our cost: Sienna LE…
  • June Net Worth Update (+$19,776)

    2million
    10 Jul 2014 | 1:27 am
    Highlights for JuneWe signed my wife up for our 3rd new credit card promotion opportunity this year. We hope to earn $600 in gift cards after spending $5k over the next 3 months on this new card. We are not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions.
  • May 2014 Net Worth Update (+$17,335)

    2million
    10 Jun 2014 | 7:38 am
    Highlights for MayWe signed my wife up for our 3rd new credit card promotion opportunity this year. We hope to earn $600 in gift cards after spending $5k over the next 3 months. We are not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. For those…
  • April 2014 Net Worth Update (-$5,069)

    2million
    12 May 2014 | 7:11 pm
    Highlights for AprilWe finished up earning $1,000 in credit card signup bonuses for 2 credit card signups w/ spending requirements. Im not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. I redeemed for a $500 Walmart gift card and a $500 Home Depot gift card which both will easily be consumed by our normal run rate expenses.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…
  • Car Purchasing Decision: Minivan or Not?

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

  • Why do we get laid off? A complicated corporate work culture ....

    22 Jul 2014 | 12:21 am
    Every morning a small and simple ant arrived at work very early. Without wasting any time he started his work immediately. He produced a lot and was very happy about his contribution to his company :). The Chief of the company, a lion, was surprised to see that the ant was working without supervision. He thought to himself: "If the ant can produce so much without supervision, wouldn't he Click on the post title to continue reading .....
  • Dilbert's Personal Finance

    17 Jul 2014 | 12:21 am
    Jul 17, 2014: We found a very pithy article (at fool.com) by Robert Brokamp about Dilbert's views on personal finance. The essence of the article is quoted as: In his book Dilbert and the Way of the Weasel, Adams offered his one-page personal finance book. Here it is:Make a will. Pay off your credit cards. Get term life insurance if you have a family to support. Fund your 401(k) to the Click on the post title to continue reading .....
  • Save Your Wallet With These Penny Hacks

    15 Jul 2014 | 12:21 pm
    Jul 15, 2014: Every couple of months our wallets wear out due to the stress of bulging coins on the soft leather. Often the cost of replacing a wallet varies from $10 to $25. We're wondering about ways to optimize this expense. One possible solution is to increase the life of the wallet. Another one is to do away with the use of a wallet! Since we need a wallet, we chose to go with the former one Click on the post title to continue reading .....
  • FREE courses from MIT available online

    10 Jul 2014 | 12:34 am
    Jul 10, 2014: For those of you who are interested in advancing your knowledge through formal coursework, MIT is offering its courses online, FREE for everyone. The site has been given the name MIT Open Course Ware. It offers different courses in diverse subject areas. As FIRE seekers we are interested in courses on Economics and certain topics of Finance offered by Sloan School of Management. Click on the post title to continue reading .....
  • What is the Current Unemployment Rate?

    8 Jul 2014 | 12:12 am
    Jul 08, 2014: Unemployment has been a rising concern since the US economy went into recession. At present, our president is trying to boost employment by providing tax cuts and tax credits to encourage businesses to hire. In most reports concerning the US economy, the unemployment rate is frequently mentioned. But many are at a loss for understanding what this number really means. Let's take a Click on the post title to continue reading .....
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    How I Save Money.net

  • Check Out My Interview on Mint.com’s Blog

    Lulu
    22 Jul 2014 | 9:58 am
    So I was interviewed by the staff at Mint.com and they have just put up the results of that conversation. I love Mint and use it obsessively daily. I like it so much that I even incorporated using Mint into a class that I taught recently. All my students had to sign up for it in order to complete a big part of their assignments for the semester. As you should already know, Mint is a site that helps you manage your finances and does so in a very cool way. You can add all (or just some) of your accounts to Mint and it automatically tracks and updates your income and expenses and organizes them…
  • Friday Finances: July 2014 Week 3

    Lulu
    18 Jul 2014 | 12:16 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $45.81 for gas this week. I was almost down to a quarter tank so I filled up all the way. I also spent $5 for a car wash this week to get rid of all the bird droppings. I did not have any income this week…but then again I don’t count on having anything. Related posts: Friday Finances:…
  • VAT reform – what eServices are actually affected? (Guest Post)

    Lulu
    16 Jul 2014 | 7:04 pm
    As the deadline for the introduction of the EU’s new VAT on eServices nears it is about time businesses realize whether or not they are actually affected. First, the nitty gritty. The rules change how the VAT on eServices will be charged in the EU. To define eServices is a difficult job but essentially if internet access is required to enjoy the service then it will more than likely be affected. As of from January 1, 2015, VAT will revert back to a consumption tax for eServices. The current rules demand the VAT is charged based on where the supplier of the service is located. From January…
  • Why I Paid For A Gym Membership

    Lulu
    13 Jul 2014 | 11:01 pm
    I paid for a gym membership last week and I am happy that I did. It might seem strange for someone who talks about finding ways to save money talking about paying for a membership to a gym. It might seem like I am being a frugal fraud when there is a FREE gym (well actually it is included in the rent so not technically free!!!) right where I live. I am taking summer classes and as a graduate student we have to opt in to use the gym. The fees are usually waived for graduate students but since you have to get an ID check to enter the facility here you end up needing to pay to use the gym. img…
  • Friday Finances: July 2014 Week 2

    Lulu
    10 Jul 2014 | 8:09 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $42.53 for food. That is it. I will be going to get a pedicure over the weekend since my birthday is next week. I will also be treating myself to my annual Red Lobster dinner….love those cheddar biscuits! Related posts: Friday Finances: April 2014, Week 4 Friday Finances: January 2014 Week 5…
 
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    Funny About Money

  • Good News for the Neighborhood

    funny
    23 Jul 2014 | 9:25 am
    Fix Me Up… …maybe not the greatest good news for my neighbor, but it looks like the ’hood is on its way to major gentrification. At worst, our property values are likely to stay stable no matter what the overall Phoenix-area market does; at best, they’re poised to head for the stratosphere. Turns out a young couple has bought my neighbor Maria’s house. They have four kids, and Dad is a bright-eyed and bushy-tailed young fellow. This is good: it’s what happened in the Encanto District back in the day, when my then-young husband and I bought a beautiful old house…
  • Beautiful Rosaries!

    funny
    22 Jul 2014 | 7:59 am
    The beading adventure has entered a new phase: I’m making rosaries (and therein lies a tale, below…) to help raise funds for the choir. Take a look! The cross on the left — the triangular piece — is handcrafted glass made by choir member Doug Thomas. Among his many accomplishments, Doug is an artist in glass. He makes spectacular art bowls and plates that sell for startling amounts of monnaie. And the cross on the right is by Navajo artist Kee Nataani. I found that at the Heard Museum, also at a somewhat…surprising price. The decade beads on the one with the…
  • How to Foil Child-proof Caps

    funny
    20 Jul 2014 | 6:23 pm
     Among the many annoying variants of consumer-proof packaging is the ubiquitous, infuriating child-proof cap, a nuisance that appears on everything from over-the-counter cough medicine to household cleansers to mouthwash. If you don’t have a kid, you do not need to be protected from yourself. If you do have a kid or three and are smart enough to stow toxic chemicals out of their reach, you and your kids do not need to be protected from yourself. And if you have arthritis, these things make it almost impossible to open your meds or any other product that you need in your day-to-day…
  • A Funny Little Find…

    funny
    18 Jul 2014 | 9:42 pm
    Lookit what I found! Yesh. So there I am, trying to find some old CDs to listen to for the first time in three or four eons. I find a drawer in the media cabinet. A drawer!!!! Jeez. Pull that open, and there’s a little box, stashed in there with a fistful of old strike matches (sulfur!). Grab the box. What IS it? Open the box. Find a set of six black seafood forks. Black forks? How quaint! Study the black forks and eventually figure out that they’re prob’ly silver. Or silveroid: silver plate. Nothing in my house could be sterling. So they must be silver plate. Break out the…
  • Taking Care of Business…or Getting Rid of It?

    funny
    18 Jul 2014 | 9:02 am
    So yesterday I managed to shuffle off a client whose project, I had finally come to recognize, I really did not want to do. Ever find yourself taking care of business simply by getting rid of business? The job: a huge index. The subject matter: arcane. We are talkin’ 375 pages of Anglo-Saxon maritime history. The editors proposed to deliver this project to me last December, two months after I’d signed a contract. Making matters worse, I’d agreed to do the job for half the going rate. Because academic institutions are nonprofits, much research in the humanities would not take…
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    Lending Club Blog

  • Our Billion Dollar Quarter

    Lending Club
    8 Jul 2014 | 8:40 am
    We’re excited to announce  that we’ve facilitated over $5 billion in consumer and business loans since inception, $1 billion in the last quarter alone! With this milestone, we’ve helped more than 362,000 borrowers, bringing us another step closer to achieving our goal of transforming the banking system to be more cost-efficient, transparent and consumer-friendly. Since facilitating our first loan in May 2007, we have more than doubled annual loan volume each year and grown from a start-up to America’s leading online credit marketplace. We’re grateful to each and every investor and…
  • Is Lending Club Available in My State?

    Lending Club
    7 Jul 2014 | 1:44 pm
    Is Lending Club available in my state? That is one of the most frequently asked questions from those thinking of borrowing or investing through Lending Club. Ultimately, we want residents of all states to be able to borrow and invest through Lending Club. However, each state has individual laws about investments in securities, as well as lending rules and regulations. Consequently, it can sometimes be confusing – residents of some states may borrow but not invest, residents of some states can invest but not borrow, and many lucky folks can do both. Here is an up-to-date view of states…
  • 5 Things Everyone Should Do Before a First Interview

    Lending Club
    24 Jun 2014 | 11:14 am
    After spending hours drafting your resume and filling out the online application for your dream job, your work finally pays off – *ring, ring.* You pick up the phone to hear a recruiter saying that you’re a top candidate and invites you to come in and meet the team for an interview. You’re one step closer to your dream job and should be proud. But, don’t think that just because you got the interview your work is done and you’re in. Consider the famous quote from Benjamin Franklin, “failing to prepare is preparing to fail”. Interviewees too often fail to do their homework before…
  • Lending Club Joins Senator Cory Booker to Discuss Improving Access to Capital for Small Businesses

    Lending Club
    20 Jun 2014 | 10:37 am
    How can more small businesses get access to capital? That’s the challenge that Lending Club and other leaders in market lending and microfinance who joined U.S. Senator Cory Booker (D-NJ) discussed at last week’s roundtableseriesat Rutgers University’s business school. Leaders of ten companies innovating small business financing, including Jeff Bogan, (SVP, Head of the Institutional Group), joined Senator Booker at the New Models to Improve Access to Capital Summit to discuss how technology combined with new lending platforms can help solve the challenges small businesses face when…
  • Lending Club Named a CNBC Top 50 Disruptor for a Second Year

    Lending Club
    17 Jun 2014 | 4:20 pm
    For the second year in a row, Lending Club’s been named to CNBC’s Disruptor 50 list!  We are humbled and honored to be ranked among “the country’s most ambitious and innovative companies” that CNBC believes are “changing the economy and overall business landscape.” We will continue to strive to help borrowers and investors achieve their financial goals by creating a more cost-efficient and customer-friendly alternative to the traditional banking lending system, and are grateful for the trust hundreds of thousands of borrowers and investors have placed in us. We look forward…
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    MintLife Blog | Personal Finance News & Advice

  • 5 Ways to Put the Brakes on Expensive Auto Maintenance

    Holly Perez
    24 Jul 2014 | 10:00 am
    Whether you’re hitting the open road this summer or looking to maximize the life of your vehicle, here are five ways to keep your car and wallet running smoothly. Comparison shop Finding a local garage or car repair shop you can count on is about as important as finding a doctor you can trust. Do your research and find a mechanic that you are comfortable with, fits your lifestyle (i.e. open late or weekends), and understands the make and model of your car. Do-It-Yourself Before you head to the mechanic, check the owner’s manual. Many services, such as oil changes and replacing the air…
  • My Mint Story: How I Paid Off My Student Loans, Fast!

    Kelsey Folmar
    22 Jul 2014 | 1:37 pm
    As the credits rolled on Adam Baker’s I’m Fine, Thanks documentary, tears streamed down my face. I had watched his TED Talk earlier that day about getting rid of your crap, paying off your debt, and doing what you love. I yearned to have the “freedom” he talked about in both videos. That’s when I looked at my husband and said, “I don’t want to live like this anymore. I want to pay off your student loan debt!”   The first tool that came to mind was Mint.com. I had heard of the site from friends who mentioned using the app. I never realized…
  • 2014 Midyear Checkup List

    Mint.com
    19 Jul 2014 | 9:21 pm
    While most people really only take a good look at their finances at the beginning of the year (Did you make resolutions to get out of debt? Save more?), and then again at tax time, it’s a good idea to review your monetary situation now. Why? We’re halfway through the year and it’s time to reevaluate, making sure you’re on track to meet your objectives, particularly if there’s been a major life change (such as a birth, wedding, or change in job, for example). Ready to get organized and prepare for the remaining months of 2014? Here are a few things you need to review: Budget Did you…
  • Simple, (Mostly) Free Ways to Lower Your Utility Bills This Summer

    Mint.com
    17 Jul 2014 | 1:01 pm
    Summer is here and with it comes lots of sun and relentless heat. It’s only natural to want to stay as cool as possible, but unfortunately, most of us don’t have the money to spend blasting the AC all summer long. The following infographic explores ways you can stay cool this summer while giving your wallet a break!  Click on “Launch Infographic” for an expanded view.
  • Twitter Chat: Wedding Budget 101

    Mint.com
    15 Jul 2014 | 8:00 am
    Are you recently engaged and stressed about all of your upcoming wedding expenses? Are you in multiple bridal parties this summer/fall? Are you a newlywed who has questions about managing your finances as a married couple? We’re partnering up with Vera Gibbons, Mint Contributor and Personal Finance expert, to host a live MintBrides Twitter Chat this Wednesday, July 16th from 6p.m. to 7p.m. EDT where we will be discussing all kinds of wedding-related budget advice with two of our favorite bridal bloggers. Hosts: @Mint and Personal Finance Expert, @Vera Gibbons Participants: Broke Ass Bride…
 
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    Personal Finance Buzz - Published news

  • 5 Investing Lessons To Live By

    moneysma
    21 Jul 2014 | 12:26 pm
    For those that haven’t seen the movie, Moneyball is a baseball movie about the Oakland Athletics General Manager Billy Beane. The A’s are a small market team, meaning they can’t spend a ton of money on high priced free agents
  • Is Dodd-Frank Working?

    codymiles512
    21 Jul 2014 | 10:10 am
    Is Dodd-Frank working? If it is, can it prevent another financial crisis? Mortgage industry expert Dave Hershman weighs in on the efficacy of real estates largest reform.
  • How Does Everyone Afford New Cars?

    repaid
    21 Jul 2014 | 9:40 am
    In 2013, 15.6 million new cars were sold in the US. That's a new car for 5% of the country's population! Which begs the question: how in the HECK do people afford these cars?
  • 500 Fast Cash - Get A Quick And Easy Loan

    orioncs
    21 Jul 2014 | 9:25 am
    500 fast cash loans refer to the process of acquiring a small and short-term loan against one’s next salary check. These loans are also called cash advances.
  • ALL Debt is Risk, Whether it is "Good" Debt or Not!

    colormefrugal
    20 Jul 2014 | 1:08 pm
    Some experts will tell you that there are some types of good debt- but is that really true? All debt is risk & if you have it you are in a risky situation.
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    Free Money Finance

  • One Step that Leads to Wealth

    NA
    23 Jul 2014 | 2:29 am
    Lifehacker shares a post from Budgets are Sexy (a site I love, BTW) that guarantees you'll become wealthy if you just take one of these simple steps: 1. Max out your ROTH IRA every year ($5,500)2. Max out your 401(k) every year ($17,500)3. Max out BOTH your IRA and your 401(k) every year! ($23,000)4. Pay off your entire mortgage and save the future payments And here's the thinking behind this: You do any of those on rotation year in and year out, and I guarantee you'll reach financial freedom in 20-30-40 years from now. All depending on your expenses, and lifestyle, yada yada… (And if…
  • Help a Reader: What to Do with Cash

    NA
    21 Jul 2014 | 2:29 am
    Here's an email I recently received from a reader: My wife and I are both 30 with no kids and we have a dilemma.  We are planning to retire by 45 and have no debt except our current primary mortgage at $100K.  I have roughly $90K in my 401K and we are not particularly interested in increasing retirement contributions as we plan to retire much younger than is normal.We just sold a rental house and have $80K to dispose of.  We plan to save $20K for some projects around our current house (major renovations) but are not sure what to do with the other $60K.  We don't really want to just pay…
  • Is Buying a Business a Good Retirement Income Strategy?

    NA
    18 Jul 2014 | 2:29 am
    My retirement plan is based on my assets generating enough income for me to live off without having to spend any principal. To do this, I need to save up a good amount of assets plus earn a good amount of income on them. These two are inversely related -- the more assets I have, the less I have to earn on them. Likewise, the fewer assets I have, the more I have to earn on them to make ends meet.Since I am financially conservative by nature, I want to do both -- have a good amount of assets and have them earn a decent return. So I've been saving/investing like crazy for 20 years to amass a…
  • Capital Gains Tax Gets More Complicated

    NA
    16 Jul 2014 | 2:29 am
    The following is a guest post from Marotta Wealth Management. I have made my share of tax mistakes when selling assets, but have also used market downturns (like 2008) and charitable donations of stock (as he notes below) to strategically readjust my holdings. I should be in a place where I don't need to sell any assets for quite some time, but this is a topic that we all still need to be reminded of and consider from time to time. Not sure his "capital gains should be 0%" at the end is right, but it would make things much simpler.How you deal with the new capital gains rates hinges on your…
  • Is Rental Real Estate Really Passive Income?

    NA
    14 Jul 2014 | 2:29 am
    Fox Business has an interesting post on passive income in general and rental real estate as passive income in specific. After having been a rental real estate investor for two years now, I definitely have some thoughts on this issue.But let's start with what Fox says. Here's what they list as the definition of passive income: Investopedia describes passive income as "earnings an individual derives from a rental property, limited partnership or other enterprise in which he or she is not actively involved." Later the author clarifies his thoughts by saying the following: Real passive income is…
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    Ultimate Money Blog- Save Money and Live Green!

  • Getting the Itch to Upgrade

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

    Mrs Money
    23 Jun 2014 | 2:33 am
    Shortly after Penny was born, we opened her up a savings account. Any money she receives from birthdays, holidays, grandparents, etc, we stash in her savings account. She’s got a nice little nest egg that hopefully we’ll be able to help her grow over the years. Now that we finally got our IRAs opened with Vanguard and we’ve been really happy, I’m considering opening up a 529 plan for Penny with them.  I have some hesitations, and I definitely need to do more research but it’s something that probably would be a really good idea. A 529 Plan would allow us to save…
  • Is Dental Insurance Worth the Cost?

    Mrs Money
    2 Jun 2014 | 4:48 am
    A few years ago I considered going without dental insurance. At the time, I was working at the bank and the premium was deducted from my paycheck so it wasn’t a big deal and I continued to buy the dental insurance. I took advantage of the two free cleanings a year to maximize my money’s worth and keep my teeth in good working order. I like my teeth and don’t want to have to get new ones. Two weeks ago I decided to go to visit a different dentist to get a second opinion on my broken crown. Our first dentist said when it broke (over a year and a half ago) that I didn’t…
  • 401k Rollovers and IRAs- Finally!

    Mrs Money
    15 May 2014 | 1:13 pm
    The last time I talked about my ROTH IRA, I mentioned how my laziness cost me $115.  Well, I no longer will be losing money due to silly fees at the old brokerage firm.  I finally moved my IRA over to Vanguard and couldn’t be happier! It’s a huge weight off my shoulders and I’m looking forward to contributing as much as I can every month.  It may not be a lot, but I figure every bit counts and the earlier I get the money in there, the more time it has to grow. I also transferred my old pension from working at the bank and Mr. Money’s ROTH IRA to Vanguard as well. …
  • Start a Cleaning Routine

    Mrs Money
    4 Feb 2014 | 7:30 am
    Keeping a clean house can certainly be a challenge, especially when you have little ones running around. A few weeks ago I decided I was tired of trying to clean my house from top to bottom every day and that something had to change. I decided that I would continue to tidy up every day, and save the deep cleaning for one room every day. That way, I was ensuring that the house was actually getting clean and I wasn’t getting overwhelmed. There are certain things that need to be done every day or more often than once a week: sweep the kitchen, wash laundry, vacuum the floors etc. I sweep…
 
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    Money Crashers

  • Best New Bank Account Promotions, Offers & Free Money

    David Bakke
    24 Jul 2014 | 1:30 pm
    With many financial institutions experiencing a decrease in profits, banks are vying for your business. This is good news for you, because instead of just offering standard perks like no fees, free checking, or a free pen when you sign up for an account, some banks are raising the stakes with cold hard cash, giveaways, and […] Best New Bank Account Promotions, Offers & Free Money is a post from the Money Crashers personal finance blog.
  • What Is Your Investment Risk Tolerance – Definition & Questionnaire

    Michael Lewis
    23 Jul 2014 | 8:30 am
    The consequences of “financial risk” became apparent to many investors during the a two-year period from 2007 to 2009. The stock market (as measured by the Standard & Poor 500) plummeted from 1562.47 on October 10, 2007 to 752.44 on November 20, 2009. As a consequence, more than one-half of the retirement savings of many […] What Is Your Investment Risk Tolerance – Definition & Questionnaire is a post from the Money Crashers personal finance blog.
  • 6 Stock Market Investing Tips & Guide for Beginners – Checklist

    Michael Lewis
    22 Jul 2014 | 8:15 am
    Bernard Baruch, known as “The Lone Wolf of Wall Street,” owned his own seat on the New York Stock Exchange by age 30 and became of the country’s best known financiers by 1910. Mr. Baruch, while a master of his profession, had no illusions about the difficulties of successful stock market investing, saying, “The main […] 6 Stock Market Investing Tips & Guide for Beginners – Checklist is a post from the Money Crashers personal finance blog.
  • How to Find & Choose a Financial Advisor – 7 Things to Consider

    Michael Lewis
    21 Jul 2014 | 9:00 am
    Choosing a financial advisor is one of the more difficult tasks that a person will make. If the choice is made correctly, the benefits are incalculable. But if the choice proves to be wrong, the results can be disastrous for you and your family. The following tips are intended to help you identify, evaluate, and […] How to Find & Choose a Financial Advisor – 7 Things to Consider is a post from the Money Crashers personal finance blog.
  • 10 Best Cities for Food Trucks and Quick, Cheap Eats

    Brian Martucci
    18 Jul 2014 | 8:00 am
    Some parts of the country have a longer relationship with food trucks – or their predecessors – than others. The first mobile kitchen, the chuckwagon, catered to cattle drivers on the High Plains of Texas and Oklahoma from the mid-19th century onwards. In urban areas, the first food carts sold hearty meals to third-shift workers, long […] 10 Best Cities for Food Trucks and Quick, Cheap Eats is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • In praise of bottled water

    John Wedding
    23 Jul 2014 | 8:52 pm
    A big part of personal finance advice revolves around finding ways to spend less.  Less money going out the door means more money staying in your bank account. By and by, some purchases draw an above-average amount of fire.  Bottled water is one of them. I’ve seen at least three posts over the past few weeks that include bottled water as one of those things you shouldn’t buy.  Though I do agree that it can get expensive if you drink it all the time, bottled water does have redeeming value. There’s always context to be considered I’ve been writing things online for…
  • Build profts or relationships with fresh eggs?

    John Wedding
    19 Jul 2014 | 8:13 pm
    There are lots of advantages that come out of being in a healthy marriage.  A healthy marriage takes work, and lots of communication, especially about financial matters. Over time, I’ve come to view differences of opinion on money matters with my wife less as argument, but more as different perspective.  Partners have different ways of looking at money, and taking both into consideration is better than either perspective alone. “Oh we’ve got eggs now …” We’ve talked for around a year about getting some chickens.  We eat a fair number of eggs — as…
  • Rebate site review: Ebates

    John Wedding
    17 Jul 2014 | 8:42 pm
    Ebates was the first rebate site I used.  I’ve been a member since 2002.  The site has been around since 1998.  That’s last century, if you’re keeping track. I use rebate sites all the time.  Every chance I get, as a matter of fact!  For a miniscule amount of extra work, I can save a few dollars or even more than a few on a lot of online purchases. Using Ebates is simple: Sign up for an Ebates account, which is free. Log into Ebates before you shop. If Ebates offers a rebate on purchases from your favorite stores, go through EBates to get to the store instead of going…
  • Five things about discarded items that shouldn’t scare you off

    John Wedding
    16 Jul 2014 | 8:51 pm
    It’s not a secret that people give away or throw away lots and lots of stuff.  Stuff that’s outlasted its usefulness.  Stuff that’s broken.  Stuff that reminded them every day of their lousy purchase. We’ve gotten useful castaway items right from within our subdivision.  We scored a nearly-complete set of patio furniture that just needed a little bit of cleaning. Recently we happened upon a stash of building materials: pressure-treated wood and other odd pieces. A few days ago, my father-in-law picked up a Radio Flyer wagon that was thrown to the curb. The front…
  • When is it NOT okay to spend money?

    John Wedding
    14 Jul 2014 | 8:42 am
    The blog A Young Pro had this year-old article in his Twitter feed recently.  The title: “When is it Okay to Spend Money?” He recounts the story of a really bad week with his car.  He gets in an accident, and then locks his only set of car keys in the car, while the car was running. If it were I, the only thing more depressing would be finding out that my daughter has started listening to Hanson. But then there’s “the list” So, naturally — and reasonably! — he wrote a list of things that, to him, were worth spending money on. And, naturally —…
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    Liberta

  • SARB hikes interest rates

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

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

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

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

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

  • Surprise! Suze Orman’s Approved Card Discontinued

    Guest Contributor
    24 Jul 2014 | 5:00 am
    Suze Orman started offering her Approved prepaid debit cards in 2012 and and received the backlash of her life.   Two years later the cards are off the market.  As of July 1, 2014 all Approved cardholders will no longer be able to use their prepaid debit cards.  If clients did not spend the remaining money on their prepaid debit cards they will receive a check for the entire balance.  So the question is, why is Suze Orman getting out of the prepaid debit card business? Maybe it’s about the bottom line According to the New York Times the fee on the Approved card was $3 per month,…
  • So You’re Broke, Here’s How You Fix It

    Ginger
    23 Jul 2014 | 5:00 am
    Have you ever checked your bank account balance and thought to yourself, where does all my money go?  The odds are you have.  As they say it’s not important how you got into trouble, the true test of character is what you do to get out of it.  There is a line in the song Dead and Gone by T.I. and Justin Timberlake that says “What matters more than the mistakes you make is what you are able to learn from them.” As a financial planner I can tell you that it’s not so much the action of physically spending that makes our money disappear, it’s so much deeper than…
  • Was That A Shopping Spree or Spending Addiction?

    Ginger
    22 Jul 2014 | 5:00 am
    UH OH! It’s the end of the month, you open your mail and you find your kitchen table full of bills.  What do you do?  The first thing to do is to log onto your online banking or mobile app and pay the bills to avoid late fees.  The second thing to do is to determine if you can make cuts in your monthly spending and the third thing to do is determine if you are addicted to spending money. Whether you can afford it or not spending money is addictive Very often people categorize spending and over spending as two different actions.  Although spending implies you are dispensing money you…
  • 4 Worst Marriage Killing Money Issues – Solved

    Guest Contributor
    21 Jul 2014 | 5:26 am
    It’s summertime and that means it’s wedding season.  You may be spending your weekends stuffing envelopes with cash to help grooms and brides-to-be celebrate the beginning of their lives together.  But let me ask you a question, before you hand over your wedding gift do you ever wonder how the happy couple will spend the money? His and Her Money I always wonder if the couple already talked about money, if they’ve opened a joint bank account, if they’ve signed a prenuptial agreement and if they have already set a household budget.  As a financial planner (and one…
  • 401k Investment Alternatives To Consider When Planning For Retirement

    Ginger
    17 Jul 2014 | 4:45 am
    In the 1980′s, employer offered pension plans went the way of the Dodo bird, and were replaced in large part by a 401(k). The 401(k), which is unimaginatively named after the section of code that lays out the rules for them, is a retirement plan that both the employee and employer pay into. But one of the things that makes a 401(k) unattractive to many is that the employer does not have to offer a 401(k) or pay into it right away. In addition, you have to closely monitor your 401(k) because you can only contribute so much tax free, and you need to change your contribution amount when…
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    The Finance Buff

  • Bonds Had Good Returns: Wrong In CDs?

    Harry Sit
    14 Jul 2014 | 4:48 am
    Both stocks and bonds did well in the first half of 2014, especially bonds. Vanguard Total Bond Market Index Fund returned 3.9% in six months ended on June 30 whereas Vanguard Total Stock Market Index Fund returned 7% in the same period. If we get a repeat in the second half, it will be 8% return in bonds and 14% return in stocks. That would be great, wouldn’t it? The good returns from bonds were a surprise to the pundits. Interest rates were supposed to go up, not down. The stock market and the bond market going up together has led some to question which market is wrong, and whether…
  • Online Investment Management: Wealthfront, Betterment, Personal Capital

    Harry Sit
    2 Jul 2014 | 4:49 am
    Wealthfront, an online investment management service company, recently announced it reached $1 billion of assets under management in 2-1/2 years since it launched. Wealthfront’s competitors include Betterment, Personal Capital, and a number of other startup companies. Is investing at these companies better than investing at a traditional mutual fund company or brokerage firm? Wealthfront Wealthfront asks you 10 questions. Then it suggests a portfolio of 6 or 7 ETFs, most of which from Vanguard. If you think the recommended mix is too aggressive or too conservative, you can turn the risk…
  • Insights From How America Saves 2014

    Harry Sit
    26 Jun 2014 | 4:57 am
    Vanguard produces a comprehensive study every year of the 401k-type plans it administers. The study includes 3 million people. The large sample makes it reflective of the population as a whole. I’m noting down the bits I found interesting in the latest 97-page report. Employer Contributions Only 3% of participants don’t get a match or any any employer contribution at all (p. 13). If your employer doesn’t contribute, hopefully it’s making up for it in other ways. Otherwise why work there? Among those who receive a match, 28% receive a match of 5% salary or more (p. 14).
  • Having a Mortgage and Buying Stocks On Margin

    Harry Sit
    10 Jun 2014 | 4:48 am
    From the previous two posts on investing and home ownership — The Difference Between Asset And Investment and Is Imputed Rent Income? — we determined that buying a home is partly an investment and partly prepaying an expense. Why does it matter whether it’s an investment or a prepaid expense or how much of it is which? Because if it’s investment, especially if it’s a good investment, you normally want more of it. $100k in stocks and bonds is good. $300k would be better. On the other hand if it’s an expense, you normally want less of it. Therefore buying may…
  • Is Imputed Rent Income?

    Harry Sit
    3 Jun 2014 | 4:50 am
    This continues the series on homeownership and investing. Last week’s post The Difference Between Asset And Investment was fairly straight forward. We concluded that whether your home is an investment or not depends in part on whether your living in it rent-free is income or not. In-Kind Subsidy = Income A penny saved is a penny earned. With taxes, a penny saved is more like one-and-half or two pennies earned. Leaving taxes aside, if I get something for free, it’s the same as getting cash and paying for the same item with that cash. Some employers subsidize the employee cafeteria…
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    Maximizing Money

  • TD Ameritrade up to $2,500 in Cash Bonuses

    Max Messner
    24 Jul 2014 | 7:20 am
    TD Ameritrade is offering new and existing members up to $2,500 in cash bonus money when you deposit new funds, roll over your old 401(k)s, or transfer an IRA to TD Ameritrade by September 30, 2014. Review more details on this TD Ameritrade Promotional Bonus to see how you can qualify to earn up to $2,500 in cash rewards. Check out these other Brokerage Bonuses for more investing offers from TD Ameritrade and other online brokers. The post TD Ameritrade up to $2,500 in Cash Bonuses appeared first on Maximizing Money.
  • UPS My Choice 6 Months Premium Membership for Free

    Max Messner
    24 Jul 2014 | 7:19 am
    You can get 6 months of UPS My Choice Premium Membership for free through January 31, 2014. The post UPS My Choice 6 Months Premium Membership for Free appeared first on Maximizing Money.
  • Ink Business Cards from Chase up to 70,000 Bonus Points – In Branch Only

    Max Messner
    23 Jul 2014 | 2:15 pm
    The Chase Ink Plus business credit card is now offering 70,000 bonus points for new applicants when you apply at your local Chase Bank branch. Check out more details on these Chase Ink Business Cards for business credit card solutions and business charge card options from Chase Bank. The post Ink Business Cards from Chase up to 70,000 Bonus Points – In Branch Only appeared first on Maximizing Money.
  • TransWest Credit Union $25/$50 Referral Program Bonuses in Utah

    Max Messner
    23 Jul 2014 | 2:11 pm
    TransWest Credit Union has a referral program that offers both new and current members either $25 or $50 in bonus cash, depending on which accounts the new member opens. To join TransWest, you must be a resident of Salt Lake County in Utah; an employee of the Union Pacific Railroad, Kennecott Copper Corporation, or US Magnesium Corporation; an immediate family member of a current member; or an employee of the credit union. The post TransWest Credit Union $25/$50 Referral Program Bonuses in Utah appeared first on Maximizing Money.
  • United MileagePlus Shopping up to 2,000 Bonus Miles

    Max Messner
    22 Jul 2014 | 2:01 pm
    The United MileagePlus Shopping rewards network is offering new and current members up to 2,000 bonus miles when you spend a qualifying amount from July 14th to August 31, 2014. The post United MileagePlus Shopping up to 2,000 Bonus Miles appeared first on Maximizing Money.
 
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    theBKBlog

  • Giant Collection Law Firm Sued by Government for Deceptive Practices

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

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

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

    Jonathan
    5 Feb 2014 | 9:16 am
    Almost without exception my clients who are subject to wage garnishment in Georgia report that they feel “violated” or “horrified” by discovering that 25% of their take home pay 1 has been seized by a creditor.  I can certainly understand this emotion – especially if you depend on every penny of your paycheck to cover monthly expenses like rent, utilities, car payments and insurance costs.How Wage Garnishment Happens in GeorgiaWith limited exceptions, you can only be wage garnished in Georgia if your creditor has first filed a lawsuit and obtained a judgment.  More than a few…
  • Why Must my Chapter 13 Include an Employer Payroll Deduction?

    Jonathan
    27 Jan 2014 | 9:26 am
    Have you made the decision to file a Chapter 13 bankruptcy?  If so, you should understand that Chapter 13 serves as a bankruptcy court approved and supervised payment plan.  The court approved and supervised part is important because the bankruptcy court will protect you from creditor actions as long as you stay current with your plan.  By contrast, non-court supervised payment plans offer no legal protection – even if you pay every month on time payment plans that are not Chapter 13 will not stop lawsuits, wage garnishments, bank levies, vehicle repossessions or foreclosures.Chapter…
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  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
 
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  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
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  • Drivers furious over discovery on cars

    24 Jul 2014 | 6:41 pm
    Drivers furious over discovery on carsAPAn angry New Yorker who doesn't like how people are parking their cars has been leaving nasty 'notes' in a permanent way.How 'bad' parkers were punishedMore to readMaddow describes Arizona executionSarah Palin's speeding ticket
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:41 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:41 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:41 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • Cooper didn't look like this after weight gain

    24 Jul 2014 | 6:41 pm
    Cooper didn't look like this after weight gainGettyWhile on the red carpet, the star explained why he purposely packed on the pounds.Amount of weight he gained for roleMore entertainmentMiranda Kerr rocks the crop topBeyoncé's pic as Rosie the Riveter
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  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
 
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  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
  • add this feed to my.Alltop

  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
  • add this feed to my.Alltop

  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
 
  • add this feed to my.Alltop

  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
  • add this feed to my.Alltop

  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
  • add this feed to my.Alltop

  • NFL hands down punishment to Ravens star

    24 Jul 2014 | 6:39 pm
    NFL hands down punishment to Ravens starAPThe league has taken action against Baltimore running back Ray Rice following his offseason arrest for domestic violence.Ban many experts called lightMore sports coverageStar wide receiver signs extensionOhio St. fires band director
  • UN school caught in Gaza cross-fire

    24 Jul 2014 | 6:39 pm
    UN school caught in Gaza cross-fireAPIsraeli tank shells hit a compound housing a UN school in Gaza, killing 15 and injuring dozens who sought shelter there. Result of errant fire?More on the conflict in GazaMini army bases along the borderHamas won't budge for Kerry
  • Vet claims he was forgotten inside VA clinic

    24 Jul 2014 | 6:39 pm
    Vet claims he was forgotten inside VA clinicFOX NewsA former U.S. Marine said he spent 3 hours inside a consultation room before realizing he was all alone.Listen to his surprising 911 callMore to watchElderly man wows wedding crowdWoman's stunning transformation
  • Fatal hospital shooting leaves 2 others injured

    24 Jul 2014 | 6:39 pm
    Fatal hospital shooting leaves 2 others injuredAPA gunman opened fire in a suburban Philly hospital only to be stopped by a doctor defending himself with his own gun.The search for a motive continuesMore news headlinesCNN freelancer abducted in UkraineObamacare website sees spike
  • New microchip could save lives

    24 Jul 2014 | 6:39 pm
    New microchip could save livesGettyA new device developed by researchers can diagnose and treat a common illness -- and the chip surprisingly won't break the bank.Common disease it detectsMore from Everyday Health7 ways to reduce risk of strokeBenefits of blood thinners
 
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    Bible Money Matters

  • Cut Your Budget Some Slack By Slashing Your Recurring Expenses

    Peter Anderson
    21 Jul 2014 | 9:11 am
    Figure out where you're spending money every month on a regular basis, and find ways to cut those recurring costs from your budget. You'll save hundreds! The post Cut Your Budget Some Slack By Slashing Your Recurring Expenses appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Is Wealth Inequality A Problem That Needs To Be Solved? Is There Still Social Mobility?

    Peter Anderson
    18 Jul 2014 | 12:26 pm
    How much income and wealth inequality is there, and what does it mean for the future? Can you still be upwardly mobile in society these days? The post Is Wealth Inequality A Problem That Needs To Be Solved? Is There Still Social Mobility? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Best Android Apps For Improving Your Finances

    Peter Anderson
    15 Jul 2014 | 4:30 am
    What are some of the best Android apps available to help you improve your finances? We do a quick rundown of our top favorite financial Android apps. The post Best Android Apps For Improving Your Finances appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 3 Types Of Financial Risk You Need to Be Aware Of

    Miranda Marquit
    14 Jul 2014 | 9:02 am
    Before you make a financial decision, make sure you understand the following 3 types of risk. The post 3 Types Of Financial Risk You Need to Be Aware Of appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Is It Possible To Live Without Credit? Or Is It Too Much Of A Pain?

    Peter Anderson
    10 Jul 2014 | 1:10 pm
    Is it possible to live in our society without using credit, or is it next to impossible to live outside of that accepted credit scoring framework? The post Is It Possible To Live Without Credit? Or Is It Too Much Of A Pain? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • 15 DIY Projects to Increase Your Home Value

    Dawn
    23 Jul 2014 | 9:09 am
    Your home can serve as a great investment. Not only can a home serve as a place to reside but you can actually make a return on your investment. But, the trick is… how can you make a return on your investment without breaking the bank? Believe it or not, it can be done! With a little elbow grease, you can DIY your way to a more valuable home. I have scoured the internet for simple ways you can increase your home value. This is especially important when you plan on selling your home. Below you will find some awesome tips that you can implement without going broke. Not only are these…
  • How Churches Can Find Relevance Through Giving

    Chris
    21 Jul 2014 | 9:00 am
    There’s no shortage of church buildings in America. I know this may not be true of every city, but I am surprised when I drive around my community at how many unique gathering places are present for Christians. A lot of resources have been given to construct these physical buildings, but how many of them are relevant to the community around them? In Matthew 5:47 (NIV), Jesus says: And if you greet only your own people, what are you doing more than others? Do not even pagans do that?Be perfect, therefore, as your heavenly Father is perfect. If your church were to answer Jesus’ question…
  • 4 Keys to Break Free from Your Debt

    Tim
    18 Jul 2014 | 9:00 am
    Getting out of debt can be tough, but these principles can help you get through it much easier. 1. Start with a plan. Everyone’s debt load is different, so the plan you take may not be the same as your friend next door. The one thing you do have in common is that you will both be on the path to become debt-free if you start with a plan. It’s good to start by listing out all the debt you owe. Sometimes student loans, hospital bills, and credit cards can add up and get lost in the shuffle. Take some time to list out all the debt you owe and then start prioritizing. Look at the due dates,…
  • 30 Money-Saving Decor Ideas for Dorm Rooms

    Dawn
    16 Jul 2014 | 8:58 am
    Although many college students are enjoying their Summers, July is a perfect time to start thinking about how you want to decorate your dorm room. There are a few topics that must be addressed when thinking about donning your dorm room. First, space is limited… so the little space that you have must be maximized! Also, you’ll be having at least one roomie, meaning zero built in privacy. When deciding on how you want to set up your dorm you, consider ways to add a little privacy (trust me, there will be moments and days that you will treasure your privacy). And, lastly, you cannot…
  • 15 Fantastic Jobs for 15-Year-Olds (Did You Try Any of These?)

    Tim
    14 Jul 2014 | 9:00 am
    In today’s job market, it can be hard for a teenager to find a job. I remember looking for jobs when I was 15 – they were hard to come by! Don’t let the idea of not having a car keep you from finding work. If you’re willing to work, you can find something that’s worth your time. I wish I had this list of jobs for 15-year-olds when I was a teenager! Unfortunately, I can’t turn back time, but you can take advantage of your spare time with these teen job ideas. Editor’s Note: Hey, if you’re not 15, I wonder if you tried any of these jobs when you were a teen. Leave a…
 
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    PT Money

  • 10 Tips to Become an Expert Credit Card Travel Hacker without Getting Into Trouble

    Jason Price
    24 Jul 2014 | 7:47 am
    Credit card travel hacking is certainly not for everyone. It would be wrong for me to make a one size fits all recommendation and tell everyone to jump in and play this game. Certainly, the game has its benefits, but can have adverse financial impacts if not played wisely. What is the rewards game, anyway? I view it simply as applying for credit cards and spending the minimum to earn bonus points or rewards. These rewards come in many forms, but most commonly, airline miles, hotel points or gas rewards. You can apply for as few or many cards as you can stomach (or your credit score can…
  • My MediShare Review: Goodbye Obamacare

    Philip Taylor
    18 Jul 2014 | 12:07 am
    I just dropped my $1,100/mo health insurance plan with Humana. Before you think I’m crazy – I am after all a married father of three and a U.S. Citizen with a IRS-enforced mandate hanging over my head – listen to what I replaced it with. I joined the Christian medical expense sharing community, Medi-Share, for around $275/mo. Medi-Share is not insurance (nor is it charity as you’ll see). But it’s a great alternative for some; and if you have it, you’re exempt from the Obamacare mandate. Below I’ll share the advantages and disadvantages of signing up…
  • 10 Essential Personal Money Management Apps

    Jason Price
    11 Jul 2014 | 11:22 am
    Poor money management excuses are running out for people with the introduction of the smartphone and the influx of personal finance apps.  As you may know, there are a wide variety of apps the can help the average person, or financially astute, budget, pay bills, save money, find deals and much more. Any smart phone deserves a portfolio of solid personal finance apps.  Here are 10 I think will serve you well and also help you attain your next financial goal whether it be to stay on budget, pay your bills on time, pay off debt or build wealth for the future! 1. Pay Bills and Bank at Your…
  • Pet Insurance Could Have Saved me a Small Fortune – The Shadow Experience (Quick Update)

    Michael Pruser
    1 Jul 2014 | 9:00 am
    SHADOW UPDATE – I wrote this post one year ago; at a time when Shadow had gone through quite a bit of injury.  Well, I’m back to give another expensive update.  Today, we learned that Shadow now has a torn ACL.   So tack on another $2,600 surgery and $400 worth of lab work, MRI’s and medication!  How can you not love this guy?!?! One year ago, my wife and I decided to purchase a Siberian Husky puppy.  The first time we attempted this, we lost $100 to a breeder that decided to simply leave the state and take our deposit (If their plan was to root their lives elsewhere…
  • Capital One 360 Independence Day Bonus Bonanza is Back!

    Michael Pruser
    30 Jun 2014 | 5:00 am
    Capital One 360 wants you to declare your financial independence from bad checking accounts, mortgage fees, and expensive online brokers. They have a very clever Independence Day Sale going on from Monday, June 30th until Thursday, July 3 at 11:59pm ET.  If you’re in the market for a new checking account, savings account, or online broker, or if you’re a current customer, then you will be able to take advantage of this offer. Here’s what they have going on. It’s all about 1776! 360 Checking – When you open up a new 360 Checking account, you will get a $100…
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    RetirementRevised

  • Why last-minute IRA contributors are leaving money on the table

    Mark Miller
    24 Jul 2014 | 5:52 am
    Individual Retirement Account contributions are getting larger – an encouraging sign of a recovering economy and improved habits among retirement savers. But there is an “I” in IRA for a reason: investors are in charge of managing their accounts. And recent research by Vanguard finds that many of us are leaving returns on the table due to an all-too-human fault: procrastination in the timing of our contributions. IRA savers can make contributions anytime from Jan. 1 of a tax year up until the tax-filing deadline the following April. But Vanguard’s analysis found that…
  • The best places to retire successfully

    Mark Miller
    24 Jul 2014 | 5:00 am
    Minnesota just might be the best place to get old in America–if you’re interested mainly in quality health care and don’t mind cold winter weather. A state-by-state ranking of senior health gives Minnesota top honors for a range of reasons–everything from the rate of annual dental visits to the quality of nursing home beds and low rate of hip fractures. If a healthy, active lifestyle is your thing, consider Provo, Utah. It edged out other U.S. cities in a study of places for successful aging for its low rates of smoking, binge drinking, and diabetes. More than 5% of…
  • Why 401(k)s won’t offer longevity annuities anytime soon

    Mark Miller
    22 Jul 2014 | 11:30 am
    Longevity risk – that is, the risk of outliving your retirement savings – is among retirees’ biggest worries these days. The Obama administration is trying to nudge employers to add a special type of annuity to their investment menus that addresses that risk. But here’s the response they’re likely to get: “Meh.” The U.S. Treasury released rules earlier this month aimed at encouraging 401(k) plans to offer “longevity annuities” – a form of income annuity in which payouts start only after you reach an advanced age, typically 85.
  • Twitterverse has questions about retirement; we’ve got answers

    Mark Miller
    17 Jul 2014 | 11:54 am
    The Twitterverse has questions about retirement. What’s the best way for young people to get started saving? Are target date funds good or bad? Should we expand Social Security to help low-wage workers? Those are just a few of the great questions I fielded during a retirement Tweet-up convened this week by my colleagues at Reuters. Since my column allows for responses beyond Twitter’s 140-character limit, today I’m expanding on answers to five questions I found especially interesting. You can view the entire chat – which included advice from personal finance gurus from…
  • Retirees: Have you checked bank CD rates lately?

    Mark Miller
    15 Jul 2014 | 10:15 am
    Getting  low-risk yield has been one of the toughest challenges for retirees ever since the financial meltdown of 2008-2009. Interest rates are near zero, and many retirees are nervous about bonds out of fear that rates might jump. All of which leaves a simple question: How about a good old-fashioned certificate of deposit? Retirees desperate for yield can find some respectable deals these days on CDs. The yields may not sound sexy, but there’s also is no risk to principal and the Federal Deposit Insurance Corporation protects accounts up to $250,000. There’s nothing new about the higher…
 
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    Intelligent Speculator

  • Facebook (FB) Reports Impressive Results But It’s Only Getting Started

    IS
    24 Jul 2014 | 2:00 am
    I’ve obviously been writing about Facebook for quite some time on this blog and while I’ve been very fortunate in how things have played out, I do still think it’s a fascinating story no matter how you look at it. At the time of the IPO, I strongly believed Facebook was a great value at those levels but I was obviously in the minority and since I tend to stay away from newly turned public companies for the first few months (I hate the initial volatility), I did end up buying a few months later. As you can imagine, if I thought $38/share was a value, getting in under $20 was…
  • New Trade: Long Google ($GOOG) & Short Blue Nile ($NILE)

    IS
    21 Jul 2014 | 2:00 am
    Ahh the earnings have started coming in. These days, I’m spending (too much) time reading at night trying to draw conclusions from both the earnings numbers but also the earnings calls. I’ll try to write more about it this week, I obviously can’t wait to see what Facebook (FB) and Apple (AAPL), my two biggest long term positions come out with. I also am closing out 1 trade as I mentioned this morning. After another good week, the long & short portfolio has returned 29,51% so far this year. The past 3 years have been good but this is obviously the top one since writing…
  • Closing Trade ($EXPE, $TZOO)

    IS
    21 Jul 2014 | 1:30 am
    Over time, I’ve grown more and more sceptical of businesses that have little to no barriers to entry. Travelzoo (TZOO) feels like one of those businesses and the most recent earnings release was very bad. I don’t see any of that changing in the near future. This morning, I’ll still be closing out this trade on Expedia (EXPE) and Travelzoo (TZOO), taking profits off of the table on this one. TZOO data by YCharts As always, you can see our 2014 long & short stock picks here: http://www.intelligentspeculator.net/livetrades The post Closing Trade ($EXPE, $TZOO) appeared…
  • Weekend Readings

    IS
    18 Jul 2014 | 2:00 am
    General Readings -How Russian hackers stole the Nasdaq @ BusinessWeek Tech Stock Readings -Kara Swisher, a tech journalist legend @ NYMag -Amazon a friendly giant as long as its getting fed @ NYT -Uber, Lyft and reinventing the ride @ NYT -Box, Uber and 29 cent tacos @ joshhannah.com The post Weekend Readings appeared first on Intelligent Speculator.
  • New Trade: Long Apple ($AAPL) & Short Yelp Inc ($YELP)

    IS
    14 Jul 2014 | 2:00 am
    Last week I was able to close out 3 different stock picks, all winning ones which I was obviously thrilled with. The year-to-date performance (before fees) of this portfolio is now +23,81% which is very solid. I do intend on keeping the streak going but the next few weeks will be very interesting as most of the stocks I follow will report earnings. Google, Yahoo and eBay are among those reporting next week!! I discuss these type of things as well as give my thoughts on the tech stocks in my free email newsletter, feel free to join here: You can also see my live trades here:…
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    Don't Quit Your Day Job...

  • How to Divide The Frequency of Digital Logic Clocks

    PK
    24 Jul 2014 | 8:51 am
    One of the issues you’ll quickly run into as you tackle more and more complex projects in your electronics hobby is the need to run things at different speeds.  As time is the essence of digital logic – in fact, logic itself relies on having discrete periods of time in which to switch bits between 1s and 0s – you’ll start to want to explore changing the length of said time periods.  This will be the perfect skill for folks coming to the party from an Arduino background to master. For our opening salvo in this exploration, we discussed multiplying a 16 MHz by 2 to…
  • Inflation Adjusted Silver Investment Return Calculator

    PK
    21 Jul 2014 | 3:45 am
    On this page we present an automatically updating (daily) silver return calculator. Enter any two dates since January 2nd of 1968, and we will compute the annualized and total returns on money invested in silver between those two dates. We also automatically adjust the quoted returns for inflation, optionally, if you choose the “Adjust For Inflation (CPI)” option. The prices quoted are London fixing levels, quoted as price per Troy Ounce. If you enjoy this calculator, please try some of our other calculators: Real Estate Return Calculator S&P 500 Dividend Reinvestment…
  • The DQYDJ Weekender, 07/19/2014

    PK
    19 Jul 2014 | 7:53 am
    No hilarious spammer emails or comments to share with you this week – I think the public forum really scared them off (right?).  So, I guess I’ll just say: happy weekend. Links We Liked! Conor Sen points out on his Tumblr that, if you zoom out a bit, America is quite exceptional – even with all the folks saying otherwise.  We agree completely – on any reasonable time scale, the present “few” years and the next “few” are actually optimistic ones. Evan at MJTM’s got a new list of criteria he’s published which he’ll check before…
  • More Signs of the Thawing Labor Market

    PK
    16 Jul 2014 | 3:45 am
    About a week ago, we posted our thoughts on the labor market – namely, that it is finally in some type of a recovery stage.  We wanted to follow up because we wanted to expand on our comments about the quit rate, and talk a bit about why we think it’s important: it boils down to correcting one of the silliest quotes that abounds on the internet. Quit Rates and Another, Completely Different Idea I apologize for forgetting the economist who first gave us the idea, but a concept that really resonates with us on the economy is (roughly, remember I’m paraphrasing a forgotten…
  • If You Agree With Reddit About This Nintendo Investor Meeting Question, You’re Doing Investing Wrong.

    PK
    14 Jul 2014 | 3:30 am
    Even though this is ostensibly a post about Nintendo, I’ve actually got a bone to pick with both Nintendo and Reddit on this one – stemming from this thread on Reddit.  (Before you ask – “It’s in /r/gaming, what did you expect?”… note that it went a bit viral, garnering 933 comments by the time I wrote this.) But, let me first assure the fanboys and fangirls that I have no problem with Nintendo: I have variously purchased, came into possession of, or had easy access to the 8-bit Nintendo, the Super Nintendo, the original Gameboy, a Gameboy Color, and…
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    Quizzle Wire

  • The non-financial advantages to buying a house

    Miranda Marquit
    24 Jul 2014 | 6:00 am
    In a few days, I will put my home on the market. My husband has a shiny new job across the country, and we are going to try to unload the house. Because selling a house is an iffy thing, and because there are a number of factors involved, we called in a real estate agent. After going through everything and providing a market analysis, we talked numbers. I was not surprised to find that, in a worst-case scenario, we would have to come up with $10,000 cash money to sell our house. If we can be super-awesome with the way we market our house, we might be able to get away with paying nothing…
  • Does your financial plan have one of these seven problems?

    Miranda Marquit
    23 Jul 2014 | 12:30 pm
    Many of us know that we need to make budgets to help us manage our money. We might also know that a long-term financial plan is an important part of ensuring success down the road. You might be putting money aside in a 401(k) and planning when you’ll retire. However, even with a monthly budget, and even with a long-term plan that includes items like saving for your kids’ college costs and getting ready for retirement, you might be missing a few things. According to Forbes contributor Erik Carter, here are seven things you might need to consider for your financial plan: Emergency savings:…
  • Secrets to Saving Money as a Wedding Guest

    Stephanie Halligan
    23 Jul 2014 | 6:00 am
    ‘Tis the season for wedding registries, bridesmaid dresses, bachelor and bachelorette parties, and every other expense imaginable related to getting married. If you’re in your twenties or thirties, summertime probably means spending a lot of time on two things: soaking up some rays and lounging in the sun and travelling to, attending and paying for weddings – and wondering how you’re going to stay out of debt in the process. From airfare to a fancy destination wedding to the pressure of buying something from the wedding registry that seems thoughtful enough (i.e. not cheap), being a…
  • 5 Ideas for Cutting Your Health Care Costs

    Miranda Marquit
    22 Jul 2014 | 11:00 am
    Health care costs continue to rise. According to the Kaiser Family Foundation, annual premiums for families increased 4 percent in 2013. It’s a lost smaller increase than what consumers saw 10 years ago, when annual increases of 10 percent were common, but it’s still an increase, and a report from PricewaterhouseCoopers suggests that medical cost growth overall will increase by 6.8 percent in 2015. With health care costs set to continue to rise, many consumers are asking themselves what they can do to reducing their own costs going forward. If you are looking for ways to go about cutting…
  • 10 Amazingly Awesome Warren Buffett Quotes To Live By [Infographic]

    Guest Blogger
    22 Jul 2014 | 9:30 am
    When it comes to investing, personal finance, or the economy there’s one man the world turns to for insight and advice. Everyone from college students, budding entrepreneurs, to big wig CEO’s will drop what they’re doing to hear what he has to say. Even President Obama turns to him on occasion for economic advice. Enter Warren Buffett; one of the richest men on earth and undoubtedly one of the most successful investors and businessmen of all time. According to Forbes magazine his current net worth stacks up to around $63 Billion. Last year alone he added $12.7 Billion to his net worth,…
 
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    Get Out of Debt Guy

  • Four More in Custody for Mortgage Modification Scam

    Steve Rhode
    24 Jul 2014 | 1:55 pm
    It’s been a rough week for companies who are selling mass joinder and mortgage modification help. See here, here, and here for stories. But today brings a new round of alleged bad debt relief actors landing in trouble with the law. According to the Office of the Special Inspector General for the Troubled Asset Relief ... Read the full article at Four More in Custody for Mortgage...
  • Kirkland Green – Consumer Complaint – July 23, 2014

    Consumer
    23 Jul 2014 | 11:55 am
    Consumer Statement: I have been a client of Kirkland Green of Nevada since 4/30/2009 they settled two debts for me last of which was in 2010. I can’t get in contact with them anymore and they still have my money. I got an email about new website update from Global Client Solutions the company that ... Read the full article at Kirkland Green – Consumer Complaint – July 23, 2014
  • CFPB Goes After Mortgage Relief Scammers

    Steve Rhode
    23 Jul 2014 | 11:48 am
    Consumer advisory: Don’t fall for a foreclosure relief scam or bogus legal help The Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and 15 states announced a sweep against foreclosure relief scammers that used deceptive marketing tactics to rip off distressed homeowners across the country. The Bureau is filing three lawsuits against companies ... Read the full...
  • I Am Now a UK Citizen. Can My Dubai Debt and Bilkish Chase Me?

    Jon Emge
    23 Jul 2014 | 9:49 am
    “Dear Jon, I left Dubai 12 years ago, I am now citizen in Uk – very recently Bilkish from Philippines is harassing me and keep calling my work place, they wouldn’t stop. They are demanding i pay 6000AED to my account in Dubai which i presumed is now close. What can I do to stop ... Read the full article at I Am Now a UK Citizen. Can My Dubai Debt and Bilkish Chase Me?
  • Can My Creditor in the UAE Pursue Me for a CCJ in the UK?

    Jon Emge
    23 Jul 2014 | 9:45 am
    “Dear Jon, I Left Dubai in 2009 after 18 months there. I left a unpaid loan and am now being persuade for it in the UK. I am in the process of going to county court as they try to get a CCJ against me even though I have offered them a settlement of almost ... Read the full article at Can My Creditor in the UAE Pursue Me for a CCJ in the UK?
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    Creditshout

  • Discover it Chrome Review – Are The Gas Rewards Worth It?

    Kevin
    16 Jul 2014 | 7:43 am
    Secure Application CREDITSHOUT RATING: Excellent Since its launch, the Discover it card has become one of the most versatile and popular reward credit cards on the market. This year, Discover has unveiled the “it chrome” card, which has the same great features of the regular it card with a revamped rewards card. Here is why this card is worth your consideration.Key Features & Benefits2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.0% intro APR on…
  • Credit Score for Amazon Credit Card?

    Kaitlin T
    16 Oct 2013 | 6:00 am
    Q: I was thinking about applying for the Amazon credit card, but my credit score isn’t excellent. What is the minimum score required to be approved for this card?A: There are several Amazon credit cards available, but for the Amazon Store Card, your credit doesn’t need to be excellent. Amazon, like most credit card issuers, doesn’t share all of its requirements for qualification, probably because they change from time to time based on whatever is profitable at the moment. With this said, several customers with credit scores in the low 600s, and even one with a score in the upper…
  • Apple Credit Card: Beware of 22.99% Interest Rate!

    Kevin
    16 Oct 2013 | 6:00 am
    Thinking about applying for the “Special Financing” on Apple.com? You may want to think twice, here’s why applying for the infamous Apple credit card may not be such a good idea.For 2013, Apple offers two types of credit cards: the Barclaycard for financing purchases and the iTunes Rewards version that earns rather poor rewards. The Barclays Apple Credit Card is easy to qualify for and offers enticing financing options, such as 12 months no interest on an Apple purchase over $999 if paid in full within 12 months.If you’re thinking about financing an expensive Apple…
  • Cabela’s Club Visa Credit Card Review (November 2013 Update)

    Kevin
    15 Oct 2013 | 8:00 am
    Overview: The Cabela’s Club Visa credit card is a retail reward card designed for the Cabela Club frequent traveler or shopper.This credit card allows cardholders to earn reward points from their credit card purchases with no annual fee. Cabela’s is the World’s Foremost Outfitter of hunting, fishing and outdoor gear.The company produces nearly 100 different catalogs per year, including specialty books focusing on such outdoor pursuits as archery, fly-fishing and boating, as well as massive Spring and Fall Master catalogs. So there is always plenty of things an avid…
  • Amazon Credit Card Review (November 2013 Update)

    Kevin
    15 Oct 2013 | 6:00 am
    Verdict: The Amazon Rewards Visa card is good anywhere Visa is accepted and is a decent option for those who want a rewards card and shop often on Amazon.comImportant UpdateA better alternative (in our opinion) to the Amazon Rewards Visa is the new Discover it card.Now until December 2013, Discover is offering 5% cash back on online shopping including purchases made at Amazon.com on up to $1,500 in spending. Discover also now allows you to redeem any cash back earned directly for your purchases on Amazon.At checkout you can can now select to “pay with cashback bonus” and use the…
 
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    Credit Card Chaser

  • When Should You Start Saving For Retirement?

    Alice
    18 Jul 2014 | 6:57 am
    Many Americans fail to plan for retirement. Gone are the days when an employee could just show up for work for 30 years and then collect a sizable pension for the next 30 years while they sat on a beach or hit the golf links. Today, workers are more likely to have access to a defined contribution plan. These plans have only what the employee puts into them, along with any employer matching funds. They are not guaranteed payoffs that last until death. Recent polls show that 60 percent of Americans have less than $25,000 put away for retirement. Millennials are not in any better shape for the…
  • How to Stop Out of Control Spending

    Alice
    11 Jul 2014 | 11:11 am
    One of the most important parts of learning how to use credit is learning how to use it responsibly. A new credit card does should not mean out-of-control spending – as a matter of fact, people will quickly learn that they can spend more if they remain in control than if they splurge. For anyone who is trying to control their impulse buying on those purchases that seem to sneak in under the radar, here are a few of the top ways to stop out-of-control spending. Go into the grocery store with a list. Shoppers who attend grocery stores and other ongoing shopping expenditures with a list have…
  • What To Look For in a Credit Card Offer

    Alice
    3 Jul 2014 | 10:23 am
    Are you interested in obtaining a credit card and not sure which type to get? Believe it or not, all credit cards are not created equal. During the first three months of 2014, more than 990 credit card offers were sent out – an indication of how many different types there really is. Depending on the type of credit card you get, there are differences in interest rates, fees and various options. Choosing the right credit card involves research, knowing what you want in a credit card and what’s available out there. Read this informative guide on what to look for in a credit card offer. Type…
  • Discover it® chrome

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

    Alice
    18 Jun 2014 | 11:09 am
    Today’s world is filled with Siri, in-car navigation assistance, Google, Yelp, and a variety of other tools to help make managing one’s life fast and easy. However, what if there was an option that combined all of the above conveniences using a real-live person? This service is known as a credit card’s concierge service, and while it has been around since the late 90’s, it is now more widely spread and accessible to a greater amount of customers. When the credit card’s concierge service started, it was primarily for extremely high-limit credit cards, but now it is included in more…
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    Ready To Be RichReady To Be Rich

  • The Different Types of Traders

    Fitz
    24 Jul 2014 | 11:15 am
    Investors can be conservative, moderate or aggressive. The type of investor that you are will dictate your decisions and strategies when it comes to managing your investment portfolio. In the same vein, there are also different types of traders – both in the stock market and in currencies or forex. Today’s guest post will talk […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Different Types of TradersInvesting for Beginners SeminarAttend this workshop and learn how to invest, step-by-step. Learn about real estate investing,…
  • Video: Rex Mendoza during the IMG Convention 2014

    Fitz
    21 Jul 2014 | 4:55 pm
    The International Marketing Group (IMG) successfully held its 2014 Convention of Champions last weekend at the SMX Convention Center in Mall of Asia. It was a great, whole-day, training experience for all members of IMG and I will be sharing with you over the next few weeks the best lessons I learned that day. To […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Video: Rex Mendoza during the IMG Convention 2014Investing for Beginners SeminarAttend this workshop and learn how to invest, step-by-step. Learn about real estate investing, stock…
  • To Have More Money, Should NOT Be Your Goal

    Fitz
    18 Jul 2014 | 10:45 am
    It’s important to have goals, especially financial goals. And more valuable than simply having these goals is to have the right mindset and purpose. Below are the most common financial goals that people have, and why they’re poor and insufficient in the grand scheme of things. To have more money. To earn more than what […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: To Have More Money, Should NOT Be Your GoalInvesting for Beginners SeminarAttend this workshop and learn how to invest, step-by-step. Learn about real estate…
  • Always Keep Cash at Home as your Emergency Stash

    Fitz
    15 Jul 2014 | 11:39 am
    A couple of months ago, two of the biggest banks in the country, BPI and BDO, experienced prolonged downtime. Their online banking was down, a lot of ATMs were offline, and the only way to withdraw money from your account is to transact over the counter from your home branch. A lot of people expressed […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Always Keep Cash at Home as your Emergency StashInvesting for Beginners SeminarAttend this workshop and learn how to invest, step-by-step. Learn about real estate investing, stock market,…
  • My Seminars and Workshops in August

    Fitz
    13 Jul 2014 | 6:48 pm
    In the Chinese culture, August is believed to be the “Ghost Month”. Traditionally, the Chinese believe that this is the time when the deceased visit the living. Financially, this is a period when the stock market usually goes down and thus, it is a bad time to invest. Personally, I don’t believe in the ghost […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: My Seminars and Workshops in AugustInvesting for Beginners SeminarAttend this workshop and learn how to invest, step-by-step. Learn about real estate investing, stock…
 
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    Cash Flow Planning for Life

  • Questions Small Business Owners Need To Ask

    Mark
    15 Jul 2014 | 11:30 am
    Are you a small business owner? Do you find it difficult to stay on top of all the hurdles that come your way? Every business owner, whether you are incorporating your business today or have been running a business for years, ends up asking the same questions. I encourage owners to ask the questions and find the answers before they become a problem. In my many years of helping small businesses, I have found that successful small business owners tackle these potential hurdles right on before they become a problem that could put them out of business. Here are samples of questions from seven…
  • Is Your Retirement Planning Built on “3 Key Plans”?

    Mark
    27 Jun 2014 | 7:00 am
    Have you put off planning for your retirement because you find it daunting and intimidating? Are you familiar with the “3 Key Plans” you need to have in place to build a solid retirement plan? Visualize yourself on a “three-legged stool”, each leg is a different plan that is vital to your retirement planning. All three legs have one thing in common – all of them need to support you! Each leg must be strong, balanced, and able to support you during your retirement. So what are the three plans? 1) Social Security Plan 2) Retirement Asset Plan 3) Personal Savings Plan…
  • Social Security – 7 Easy Tips

    Mark
    4 Jun 2014 | 1:30 pm
    Do you understand how social security works? Are you planning for your retirement? Do you know when you’ll want to start collecting your social security? The Social Security Act was signed into existence in 1935. At that time, the full retirement age was 65 and life expectancy was only 62. Things have changed. People are living longer, and it’s easy to understand why the social security trust fund is struggling. It is now set up with different retirement ages. To qualify for social security benefits, you must of earned 40 social security credits by working in a job and paying Social…
  • Considering Divorce? What You Need to Know!

    Mark
    7 May 2014 | 1:10 pm
    Did you know that divorce affects over 50% of couples in the United States? Going through a divorce is a life changing. Even when the divorce is non-contested and a collaborative divorce, you need to make sure you’ve made all the proper preparations. It is the best way to protect yourself and your family. Are you considering divorce? Are you ready to start the process? The financial aspects of divorce can create a tough road ahead. Understanding the process is a must. Working with my clients through the divorce process has allowed me to put together some tips that may help you. In my FREE…
  • 4 Tips for Business Year-End Tax Planning

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

  • The Student and Family Tax Simplification Act

    Joe
    5 Jul 2014 | 4:00 am
    As my regular readers will recall, I often pass Walden Pond, as I live a few towns away, and while writing at Walden Pond, Thoreau wrote, “Our life is frittered away by detail. Simplify, simplify, simplify! I say, let your affairs be as two or three, and not a hundred or a thousand; instead of a million count half a dozen, and keep your accounts on your thumb-nail.” Partially with this in mind, I like when a bit of proposed tax code aims to provide some level of simplification to our utterly incomprehensible too-long code. The particular proposal I am looking at today offers to…
  • It’s 529 day

    Joe
    29 May 2014 | 4:00 am
    Following pi day (3/14) and “May the fourth be with you” day (5/4), we’ve now arrived at 5/29, and it’s time to ask – Do you know what a 529 savings account is? Do you care? In the US, we have the opportunity to save money in a College Savings account, otherwise known as a 529 account. Funds go in after tax, much like a Roth IRA or Roth 401(k), grow tax deferred, and if used for higher education, can be withdrawn tax free. Sounds simple, but as they say, the devil is in the details. First, let’s be clear, the 529, just like our retirement accounts, is a…
  • Do you have an HSA?

    Joe
    26 May 2014 | 4:00 am
    When I worked for a large company, my wife and I enjoyed the use of a Flexible Spending Account, otherwise known as an FSA. This account allowed us to save up to $5000 pretax, and use it for medical expenses during the course of the year. Doctor copays, medicine copays, and expenses that our insurance didn’t cover, such as chiropractic care. For the most part, I had no complaints about this program. The FSA was a use-it-or-lose-it plan, so members needed to plan carefully, and as the year drew to a close, if there was going to be much money left, it was time to go eyeglass shopping.
  • Why I don’t Yelp

    Joe
    24 May 2014 | 4:00 am
    I happened to be looking at my iPhone to get to my local Trader Joe’s via back roads from where I was. The map program offered me the Yelp review of my store and I decided to take a look. What I found was the strangest mix of commentary with a remarkably low signal to noise ratio.  The first one that popped up was 4/5 stars and reasonably to the point. The second on the ‘recommended’ list was a 1 star review in which the author droned on for 440 words. He discussed the awful parking lot, the soccer moms, the crying babies, and finally got around to the stuff for sale.
  • Tips for Financing your First Car

    Joe
    24 May 2014 | 3:58 am
    Today, a guest post from Crystal - Buying your first car is a major milestone, but it’s also a significant purchase that can have long-lasting financial repercussions. You’ll want to choose a vehicle that suits your lifestyle and budget, both in the short and long term. For first-time buyers, navigating the ins and outs of car ownership can seem like a daunting process. Fortunately, there are numerous options are your disposal, particularly when it comes to financing. Keep the following tips in mind to stay firmly on budget. Image Source: Wikimedia Commons Public Domain Check your…
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    Simplified Saving

  • FREE Disney Frozen Backpack

    Lisa Thompson
    23 Jul 2014 | 10:38 am
      I have a super hot deal for you, but you need to hurry because it won’t last long!  Right now you can get a FREE Disney Frozen Backpack! Kmart has this backpack on sale today for $15.29 and Top Cashback is offering $17 cashback for new members which makes it FREE!  Cha-ching! Here’s how to snag this deal: 1. Click here to sign up for a new Top Cashback account. 2. Check your email for a link to activate your account. 3.  Go here to snag this special offer! IMPORTANT NOTE:  Transactions must only contain one 16″ Disney Frozen backpack priced at $15.29 to ensure…
  • Shopping for School Supplies without Breaking the Bank {Or Losing Your Mind}

    Lisa Thompson
    23 Jul 2014 | 7:18 am
    Plans for back to school usually include lots of shopping and the more kids you have, the more shopping you’ll most likely need to do!  As a mom of 4, I know firsthand how crazy back to school shopping can be.  I also know that it gets crazier, more stressful, and more expensive if you wait til the last minute. Most schools will have a list of supplies your child will need.  Before you head out, let’s take a look at a few ideas that could save you some steps and some money. 1.  Make a Master List If you have more than one child and they each have a separate list of school…
  • Grace Adele Sale

    Lisa Thompson
    22 Jul 2014 | 3:52 pm
    If you’re looking to update your look, you won’t want to miss this Grace Adele sale.  They have some really sweet deals on purses and accessories!  Here are a few of my faves! Avalon Silver Ring $4 Roxie Coral Bag $24 Heather Ocean Bag $16 Tablet Tote $8   Click here to check out all the great deals!
  • Spanx Sale {Shapewear, Swimwear, and Workout Wear Deals}

    Lisa Thompson
    15 Jul 2014 | 6:30 am
    I love Spanx, but they can be really expensive!  Today, Zulily is having a Spanx Sale.   They have shapewear, swimwear, workout wear, and some cute tank tops.  I just bought this really cute workout skort. Items are already selling out, so hurry over and check it out! Click here to shop!  
  • Project 38: My Goals for the Year

    Lisa Thompson
    14 Jul 2014 | 5:00 am
    Today is my 38th birthday and when my birthday rolls around, I like to make a list of my goals for the year.  Yesterday I shared a recap of last year’s goals and today I’m sharing my goals for this year. Some of these are repeats of last year that I didn’t accomplish, but this is the year to get it done! 1.  Read through my Bible twice 2.  Memorize 38 Bible verses 3.  Lose 10 pounds 4.  Lose 10 pounds 5.  Lose 10 pounds 6.  Lose 10 pounds 7.  Lose 10 pounds 8.  Lose 10 pounds 9.  Lose 10 pounds 10. Lose 10 pounds 11.  Complete C25K 12.  Run a 5k in 38 minutes 13.
 
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    Personal Dividends

  • Are You Cut Out To Be a Landlord?

    Kevin Mercadante
    22 Jul 2014 | 5:00 am
    Do you ever think about investing in real estate? Since buying rental properties is probably the most popular form of real estate investment, you might seriously consider if you’re cut out to be a landlord before taking the plunge. There’s a lot more to being a landlord than simply renting out apartments and collecting rents. Here are some of the questions you need to ask yourself. How Handy Are You? One of the most obvious aspects about investing in real estate – as opposed to paper assets – is that it’s very much a hands-on effort. When you own property, something is always…
  • Five Financial Mistakes You Can’t Afford to Make

    Kevin Mercadante
    14 Jul 2014 | 5:00 am
    Everyone of us make small financial mistakes all the time. But since they’re small, they’re very unlikely to lead to a crushing blow. But there other money mistakes – major ones – that can definitely cause financial impairment if you aren’t careful enough to avoid them. Here are five of those mistakes, that if you do make them, can cause you to fall behind financially, maybe even for the rest of your life. 1. Buying More House Than You Can Comfortably Afford This is a common mistake, particularly among first-time homebuyers. Most everyone wants a house that’s just beyond their…
  • How Much Could Your Morning Coffee Be Costing You?

    Tom Drake
    10 Jul 2014 | 5:00 am
    For many of us, morning coffee is much-needed pick-me-up. It can be hard to get going in the morning without that cup of joe. However, you might be surprised at what it’s costing you. You’ve probably heard of “The Latte Factor” and how you could be a millionaire if you just skipped the stop at the coffee shop and instead brewed your own at home. In that same spirit, Value Penguin has put together an interesting infographic about the cost of coffee, and how much you can save by brewing at home. You might be surprised at what you’re spending once you sit down and…
  • Six Reasons to Brownbag Lunch – And It’s Not Just About Saving Money

    Kevin Mercadante
    7 Jul 2014 | 5:00 am
    Do you – like most people – tend to head out to lunch each workday to a restaurant, or to the company cafeteria? If you do, you may want to take a fresh look at brown-bagging your lunch. It can open up a few options that can improve your workday, even apart from the fact that it can also save you some money. 1. Creating Some “Me Time” The typical workplace today is a more stressful environment that it was just a few years ago. While it may be possible to take a break from it by having lunch with your coworkers, either in the cafeteria or in a restaurant, oftentimes the best…
  • Do You Have Enough Life Insurance?

    Tom Drake
    3 Jul 2014 | 5:00 am
    One of the best things you can do for your family is to purchase life insurance so that they have some sort of protection in the event of your untimely passing. Deciding how much life insurance to get can be tricky, though. According to a recent Forbes article, you are supposed to have enough life insurance coverage to cover 14 years of lost income. But, of course, relying entirely on a rule of thumb usually isn’t the best way to go. It makes more sense to think of your particular situation and needs, and make a plan that will best help your family. What Do You Want Life Insurance to…
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    Benzinga Feeds

  • 2 Hot Summer ETFs Surging to #1 Ranks - ETF News And Commentary

    Zacks
    24 Jul 2014 | 2:03 pm
    This summer, the U.S. stock markets seem to be on fire. This is especially true as the S&P 500 and the Dow Jones Industrial Average are hitting multiple highs amid geopolitical tensions. In fact, the Dow crossed its major milestone of 17,000 early this month and the S&P 500 is just less than 1% away from the 2,000 threshold.
  • Facebook Beats but Lofty Valuation Puts These ETFs on Watch - ETF News And Commentary

    Zacks
    24 Jul 2014 | 1:41 pm
    The social media giant Facebook (NASDAQ: FB) yet again reported robust results for Q2 on a boom in mobile advertising business. The company surpassed our estimates on both top and bottom lines for the fifth consecutive quarter, lending optimism to its future growth.
  • Why You Shouldn't Bet Against CatchMark Timber Trust (CTT) Stock - Tale of the Tape

    Zacks
    24 Jul 2014 | 1:27 pm
    One stock that might be an intriguing choice for investors right now is CatchMark Timber Trust, Inc. (NYSE: CTT). This is because this security in the REIT company space is seeing solid earnings estimate revision activity, and is in great company from a Zacks Industry Rank perspective.
  • What's Going On at The 'Deutsche Bank Haus'? Video

    Larry Doyle
    24 Jul 2014 | 12:56 pm
    I am hard pressed to little more than chuckle at the recently released report by the New York Federal Reserve concerning the regulatory failures at Deutsche Bank. Why so amused?
  • AltaVista Research Debuts Fixed-Income ETF Analysis

    David Fabian
    24 Jul 2014 | 12:54 pm
    AltaVista Research was founded in 2004, as a means of providing expanded research and coverage of the exchange-traded fund universe.  The firm takes a unique approach to analyzing fundamental aspects of ETFs that help financial advisors and sophisticated investors make portfolio management decisions.
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    Money Watch

  • goHenry vs Osper

    Rob Lewis
    7 Jul 2014 | 2:55 pm
    Following my post on Osper a few days ago, a similar service offering pre-paid debit cards to children, goHenry, was bought to my attention. I hadn’t realised that I’d actually blogged about goHenry before, at the start of 2013, following its launch in November 2013, when it was known by its previous name, PKTMNY. Over the 18 months since launch, goHenry has been working with its user base to develop and enhance the features of the app and website that hopes to teach children about money. Its efforts have recently been rewarded by 50,000 parents at the Loved by Parents awards who…
  • Osper: Debit Card For Kids, Managed By Parents

    Rob Lewis
    30 Jun 2014 | 3:13 pm
    Osper is a new prepaid debit card for 8 to 18 year olds which allows them to access their money online, in most shops, at cash machines and even abroad. From a parent’s perspective, the card allows them to load up cash to be spent safely (with no overspending possible!), keep track of what has been spent and help their kids reach savings goals. As the card is backed by MasterCard, it can be used in a large number of stores and online services (such as iTunes), yet there is a useful safety feature which prevents the card being used in certain places, such as for gambling, massage…
  • Mobile Cheque Deposits Coming To The UK

    Rob Lewis
    20 Jun 2014 | 1:18 pm
    According to reports in both The Telegraph and The Guardian, the government is on the verge of agreeing to allow cheque deposits to be made by photo, letting you submit cheques by phone or email. This functionality has been available in other countries, such as the US and France, for a few years. Interestingly, the legislation allowing it in the United States came about following payment delays caused by the flight problems caused after 9/11. The image above shows how Bank of America achieve mobile cheque deposits with their iPhone app. It is thought that the change will speed up cheque…
  • Coming Soon: Scan Credit Cards With Your iPhone

    Rob Lewis
    10 Jun 2014 | 7:14 am
    The next generation of the Apple’s iOS operating system (iOS8) will have a new feature allowing you to quickly enter your credit card number in to websites simply by scanning your card. Apple website 9To5Mac has spotted that a new feature will appear in Safari, when it comes across an appropriate form, which allows you to scan your credit card with your iPhone camera to quickly enter the card number. This should take some hassle out of buying items whilst on your phone. Whilst the security conscious will be worried about having photos of their credit cards sitting around on their…
  • 2014 Budget Calculator

    Rob Lewis
    19 Mar 2014 | 3:12 pm
    Gideon’s latest budget has caused quite a stir in the media, and if you want to  see how it affects you, check out the BBC’s budget calculator. The calculator has been put together to see how the changes in tax and duty will affect you over the next year; check out if you’re a budget winner or a budget loser.
 
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    Yes, I Am Cheap

  • 8 Possible Reasons Why You Didn’t Get the Job

    Guest Blogger
    21 Jul 2014 | 1:42 pm
    Nowadays, just about everyone needs a job.  This is especially important if you’re looking for a higher salary to pay off debt and improve your credit.  No matter what’s going on in your life, being employed can help you reach many financial goals. If, however, you’re currently unemployed or looking for a new job, you know better than anyone else how tough the job market can be. You might comb the job ads everyday, stalk Craigslist and hit the pavement passing out your resumes.  Despite your efforts, callbacks might be few and far between. And if you do receive an…
  • Growing My Dough: 6 Months In

    Sandy Smith
    17 Jul 2014 | 8:41 am
    I love these update posts.  Six months ago I joined a challenge created by Jeff Rose of Good Financial Cents along with with like-minded personal finance writers who wanted to see how a $1,000 investment would pay off at the end of the year.  The goals were pretty simple: Show you how easy it is to get started investing Show you the plethora of online options available Show you different strategies that you can try Erase any doubts that you can’t do this on your own. Pretty much all of the challengers decided to invest in the stock market.  A few others had some non-traditional…
  • July 1 Debt Check…And Other Stuff

    Sandy Smith
    14 Jul 2014 | 11:37 am
    I’m 14 days overdue, but with good reason. I wanted to wait a bit to share some news with you in this post instead of making a whole separate post about it later. Let’s see.  We’re deep into July and heading towards August at full speed.  It’s been a wonderful summer so far, much like my summer last year when I was job free and enjoying life.  This year, I’m consulting and thoroughly enjoying what I’m doing and where I am.  If nothing else, this blog has been an amazing chronicle of where I have been and how life can twist, turn and evolve over the course of months and years.
  • Want To Help Someone? Let Them Fail

    Sandy Smith
    30 Jun 2014 | 8:16 am
    Splat! That’s the sound of some people who I know falling flat on their faces.  It’s also the sound of a lesson learned the hard way.  And, in some ways, it’s the sound of a fair bit of guilt, but that too shall pass. I’ve been sharing the stories of friends and family on this blog for years, as long as there is a financial lesson to be learned.  I’m trying very hard to keep the anonymity of my friends and family going, so pardon me if I slip into third party jargon here. It all began long, long ago.  Some friends who I’m pretty close with have been…
  • Does Money Make You Mean? Answer: Yes!

    Sandy Smith
    24 Jun 2014 | 8:52 am
    In one of my favorite Ted Talks, social psychologist Paul Piff shares his research into how people behave when they feel wealthy.  Individuals were divided into a rigged game of Monopoly where groups were divided into a group of rich players and a group of poorl players.  As the game went on, the “rich” players began treating the “poor” players badly. Even in a rigged game where players had a clear advantage, the “rich” players credited their success to their own strategies instead of their access to greater resources in the first place.  As these…
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    Money Reasons

  • I’ve Been on a Personal Finance Hiatus

    Money Reasons
    24 Jul 2014 | 9:40 am
    For the past few months, really the past few years, I’ve been quietly probing my brain trying to discover if my wealth planning and financial journey has been the most optimal route.  And while I believe that I’ve done very well, at this point I think I would change a few things slightly.If I were to rate my personal finance performance for the past 10 years, I’d have to give myself a B+ and maybe even an A-.  While a B+ is good, I think if I had done a few things differently, I probably could have raised that rating to at least a solid A- and probably a full-out A.So for…
  • Are High Semi-Known Colleges Worth the Costs?

    Money Reasons
    9 Jul 2014 | 9:35 am
    In an unusual paradox, it seems like there are huge college education cost bubbles in the United States that makes me question whether semi-known colleges are worth the costs?I think college costs are a paradox in the fact that most of the information that they teach can be found on the internet for free and to top that, then information that most college teach is practically obsolete in contrast the knowledge needed to be successful in today’s business environment.  In the not too recent past, if you had a question about a particular and sometimes complex subject matter, you would…
  • American Airlines Miles Credit Card seems like a Great Air Miles Reward Credit Card

    Money Reasons
    4 Jul 2014 | 9:14 am
    I’ve been considering getting a Air Miles Reward credit card recently, and below is what I came across that is making my consider American Airlines Miles Credit Card.Saving Even More Money on American Airlines Florida Beach DealsAmerican Airlines provides luxurious Florida beach deals for an excellent price. However, you can make the experience even more affordable with the right rewards card and proper planning of your vacation. In cooperation with various resorts and lavish hotels, you could be spending time at the beach enjoying yourself on the shore of the Atlantic. So, how does one…
  • The Young Entrepreneurs of Finance and Trading

    Money Reasons
    29 Jun 2014 | 5:35 pm
    The Young Entrepreneurs of Finance and TradingThe new entrepreneurs making an impact in the world of finance and trading offer lessons to us all. Many of these high flyers are well on their way to achieving their dreams of financial freedom. Trading coaching organizations like Knowledge to Action, found here, offers their list of the young entrepreneurs of finance and trading currently operating at the top of their game. All of the entrepreneurs listed below are not yet thirty, and are already distinguishing themselves in financial and trading markets around the world.Tracy Britt CoolThis…
  • Extra Side Income Is More Than You Think!

    Money Reasons
    18 Jun 2014 | 9:43 am
    It’s true, extra side income is more than you think, let me explain…My friends underestimate the wealth accumulation advantages of side income.  They think that since they already work a full-time job, that’s plenty if not too much work already.  So for the most part they go home and then what do they do?  Mostly they watch reality TV?!?  They sit glued to the TV and before you know it, it’s time for bed.  Now granted they are usually watching with their significant other, but still the net gain from a financial or educational perspective is pretty close to…
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    Credit Card Blog | UniBul

  • 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: 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 its promise as a store of value.... How Private Is Bitcoin? There is enough publicly available data in Bitcoin transactions to enable law authorities to obtain subpoenas and to identify who is paying money to whom.... The Evolution of…
  • The Basics About MasterCard’s Excessive Chargeback Program That You Absolutely HAVE To Know

    UniBul
    18 Jul 2014 | 3:00 am
    MasterCard's Excessive Chargeback Program sets the rules for acquirers to follow when monitoring their merchants' chargeback performance. Read more on the same topic: Chargeback and Re-Presentment Process for PIN-Based Debit Transactions Chargeback is a transaction that is returned as a liability by the issuer to the acquirer and merchant after the associated sale has been settled.... How Visa and MasterCard Manage Excessive Chargeback Levels Visa and MasterCard consider chargeback levels to be excessive if in two consecutive months the merchant has a minimum chargeback ratio of 1%....
  • Your Merchant Account Is Terminated — Now What?

    UniBul
    18 Jun 2014 | 3:00 am
    If you followed my suggestions you'd be very likely to end up having a new merchant account and, even more importantly, keeping it for as long as you need it. Read more on the same topic: UniBul’s Merchant Account Solution for International Businesses If your international business has the minimum processing volume required and all the necessary paperwork, there will be a merchant account available for it.... How to Survive a Merchant Account Termination A shutdown of your merchant account is a big deal and can take a long time to recover from it, but if you follow these suggestions,…
  • PIN vs. Signature Debit: Which Is More Secure?

    UniBul
    2 Jun 2014 | 3:00 am
    Though sometimes they do the opposite of what they say, people understand that PIN debit is more secure than signature debit and tend to use it more often. Read more on the same topic: Do We Really Care about Credit Card Security? Americans' perception of credit card security does not influence credit card adoption, but it does affect the actual usage of the cards for payment.... 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 do.... Who Pays…
  • Mobile Shopping Is Already Big. But These Charts Show What Is To Come… And It’s Breathtaking.

    UniBul
    21 May 2014 | 3:00 am
    Every now and again I will stumble on something that would remind me of the sheer scale of the mobile shopping revolution that is under way. Read more on the same topic: These 5 Mobile Payment Infographics Will Change The Way You Think of Shopping. Especially #3. Something big is happening in the world of retail: our mobile phones are taking it over. And it's not just that we are using them to pay for things -- no, the biggest transformation is in our access to information.... On Holiday Shopping, Free Shipping and E-Commerce Marketing A beautiful infographic illustrates the way e-tailers…
 
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    Smart Balance Transfers

  • Rewards Pro – Can I Upgrade My Ticket With Miles?

    Jason Steele
    23 Jul 2014 | 4:00 am
    Congratulations, you have just found a really good deal on an international ticket. Now that it is booked, you are contemplating ten hours in the air, sitting in a cramped coach seat and wondering, “Is there any way that I can use my miles for an upgrade?” How to upgrade an international coach ticket Most […]
  • Rewards Pro – Earning Rewards Through Promotions

    Jason Steele
    21 Jul 2014 | 4:00 am
    There are several ways to earn rewards with your credit card, but spending is the way that everyone thinks of. Certainly, it is nice to earn credit card rewards for making the purchases you need to make, but there are other ways to earn rewards. Sign up bonuses Yes, banks are willing to give you […]
  • Will Earing A Sign Up Bonus Hurt Your Credit Score?

    Jason Steele
    18 Jul 2014 | 4:00 am
    People can’t seem to believe that they can get something for nothing. Yes, credit card issuers will offer valuable points, miles, and cash back to those who apply for their cards and meet a minimum spending requirement. No, doing so will not hurt your credit score. Why it won’t hurt When an applicant is approved […]
  • Rewards Pro – Using Points By Staying Home

    Jason Steele
    15 Jul 2014 | 4:00 am
    Travel rewards are extremely popular, but not everyone wants to go somewhere far away when they have some time off. Some travel for work and don’t want to leave home, while others simply can’t afford all the points, miles, and cash needed to make a big vacation happen. Fortunately, there are lots of ways to […]
  • Best Travel Rewards Promotions For July

    Jason Steele
    11 Jul 2014 | 4:00 am
    While many Americans take their vacations during the hot summer months, this is also a great time to start thinking about travel plans for the holidays and beyond. This July, there are several outstanding credit card offers available that feature valuable travel rewards. When planning reward travel, credit card users need to take into account […]
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    Credit.com

  • How I Restarted My Life After a Divorce

    Bob Sullivan
    24 Jul 2014 | 8:49 am
    America: What’s your money story? Credit.com contributor Bob Sullivan is hitting the road to ask the people he meets across the U.S. that very question. Whether it’s your struggle with student loans, what you did when you lost your job, how you dealt with a house that was underwater or the ingenious way you paid off a major debt – we want to know about it. Everyone’s story is unique, but the concept of money – and the challenges and triumphs that come with it – is universal. Bob’s travels are taking him through Chicago, Iowa City, Omaha, Denver and then Seattle. If you’re…
  • My Spouse Has Dementia & I Can’t Cancel His Credit Card

    Bev O'Shea
    23 Jul 2014 | 9:01 pm
    A reader wrote to us to ask about canceling a credit card belonging to her husband, who has dementia. The card, which had never been used, had begun to charge an annual fee. She has power of attorney, but the card issuer still refused to allow her to close the account. She wrote: Since I can’t close the account and my husband can’t either, I was told to send a copy of my Power of Attorney. I received a letter back stating that even though I have power of attorney, I still cannot make any changes on his account. Since I’m now in Dante’s circle of you-know-what, how…
  • A New Challenge for First-Time Homebuyers?

    Chris Birk
    23 Jul 2014 | 9:01 pm
    The nation’s second-largest mortgage lender recently raised eyebrows after suggesting it might stop making FHA loans. JPMorgan Chase has already scaled back lending to lower-credit borrowers, citing the increased costs of foreclosure and regulatory action. But the firm’s chief executive went a step further in a conference call last week, noting Chase is “struggling” with whether to abandon the government-backed program entirely. That comment may be more political posturing than a seismic shift in strategy, but it highlights the tension many lenders face between expanding access to…
  • Want to Get Rid of Your Student Loans? Become a Nun!

    Christine DiGangi
    23 Jul 2014 | 9:01 pm
    It takes more than fierce faith to answer a call to religious service. You also have to be debt-free. It’s a logical requirement – you’ll struggle to make necessary loan payments if you’ve taken a vow of poverty – but it’s also emerged as a significant obstacle to people hoping to join religious orders. A 2011 Georgetown University report for the National Religious Vocation Conference estimates a third of serious inquiries received by religious institutions come from people with education debt, which averaged $28,000 (at the time, that was above the…
  • Looking for Student Loan Help From the Government? Good Luck

    Mitchell D. Weiss
    23 Jul 2014 | 9:01 pm
    Ever wonder what a company does about the consumer complaints it receives? If that “company” happens to be the U.S. Department of Education, the answer is nothing — at least according to a scathing report by the DOE’s Office of the Inspector General. In its July 2014 audit of the “Handling of Borrower Complaints against Private Collection Agencies,” the OIG found that the DOE’s Office of Federal Student Aid failed to effectively monitor consumer-borrower complaints, institute corrective actions or hold the private collections agencies accountable that the department hires to…
 
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    Centsible Life

  • Summer Family Fun Linky Party July 23rd

    Kelly Whalen
    23 Jul 2014 | 6:05 am
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  • Guide to Saving on Summer Travel #sponsored

    Kelly Whalen
    23 Jul 2014 | 5:59 am
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  • How to Clean your Dental Appliances with Fresh Guard™ {sponsored}

    Kelly Whalen
    22 Jul 2014 | 4:00 am
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  • Family CFO Interview: Kate Horrell from KateHorrell.com

    Kelly Whalen
    17 Jul 2014 | 5:00 am
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  • Summer Family Fun Linky Party July 16

    Kelly Whalen
    16 Jul 2014 | 4:00 am
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    The Daily Reckoning

  • 3 Ways to Identify Your Own Private American Oasis

    Addison Wiggin
    24 Jul 2014 | 2:08 pm
    Despite persistent rumors of an “economic recovery,” we see regular stories like this… Phoenix: Police have proposed shrinking the number of patrol squads by 13.6%, thanks to mandatory retirements and no plans to replace those personnel Seattle: Bus service is due to be cut next year by 16% Des Moines: The fire department regularly takes a fire engine out of service when the number of available staffers falls below minimum levels. Then there’s the extreme case of Josephine County, Ore. — where the sheriff’s office now runs a 9-5, Monday-Friday operation. “You may want to…
  • The One Number Every Penny Stock Investor Overlooks

    Jonas Elmerraji
    24 Jul 2014 | 11:15 am
    I routinely get emails from my readers that goes something like this: “Why do you call your newsletter Penny Stock Fortunes when many stocks in your portfolio are priced at $40 and up? I was under the impression that a penny stock was to be $5 or maybe $10 and under. Apparently not, as at least one of your picks is $100. Does not compute.” It’s a fair question. It’s true that there are a few stocks I have in my Penny Stock Fortunes portfolio that cost more than $40 per share as of this writing. For instance, a share of Tesla Motors (NASDAQ:TSLA) will run you over $200 at the moment.
  • Winners and Losers in the Battle of Economic Stupidity

    Douglas French
    24 Jul 2014 | 11:07 am
    Turn on the tube and economic ignorance seems to be everywhere. There is constant shilling for more government. Business is demonized. Man is said to be trashing the environment. “Workers and women are oppressed” is the constant mantra. And members of the clueless media nod their heads in unison. Only John Stossel has provided the fresh air of economic wisdom from his days on ABC’s 20/20 to his currently running Stossel on Fox Business. He admits in his book Myths, Lies, and Downright Stupidity that he too used to believe the Big Government propaganda, but he learned the error of his…
  • Smart Investments in the Mobile Revolution

    Greg Guenthner
    24 Jul 2014 | 8:36 am
    Are you “addicted to being distracted”? Don’t worry— there’s an app for that. A smartphone-obsessed millennial created an app called Moment to help you monitor your smartphone use. The app gives you what are called “nudge” updates on how much time you spend with your nose in your phone. The goal, of course, is to make you aware of the time you’re wasting with your face glued to the tiny screen. Of course, knowing how much time you’re wasting on your phone probably won’t get you to put it down anytime soon… It’s no secret that the entire world has a serious smartphone…
  • The US Debt Crisis that Will Never Happen

    Chris Mayer
    23 Jul 2014 | 1:43 pm
    I firmly believe that there’s not going to be a debt crisis here in the U.S. I was skimming through Barron’s over the weekend and I saw Gene Epstein’s column titled “New Warning on U.S.’ Gathering Debt Storm.” He writes about the Congressional Budget Office’s new report, released Tuesday. There are some real whoppers in there. Before I get to those, I want to say that it helps to separate your politics from reality. You might not like the U.S. government’s debt total. But you should understand how it works. If nothing else, it will prevent you from believing the silly things…
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    Canadian Finance Blog

  • How to Go Back to Work if You’re Already Retired

    Tom Drake
    21 Jul 2014 | 2:00 am
    Many people are discovering, in retirement, that they aren’t actually ready for this new phase of life. Whether you are worried about running out of money in retirement, or whether you just want something productive to do, you might need a part-time or full-time job. Finding that job once you have retired, though, can be a little tricky. If you are looking for a new career in your post-career life, here are some things that might be able to give you an edge to go back to work. 1. Don’t Say You’re Retired While there’s nothing wrong with being retired, it gives the…
  • Want a Little Extra Money? You Might Already Have Some

    Tom Drake
    15 Jul 2014 | 2:00 am
    Many of us wish that we had a little extra money. It’s common to want to have a little more financial security. While there are a number of ways to earn extra money, from starting a business to taking on a part-time job, you might be surprised to find that you already have money. In some cases, it might be an overpayment to a utility company, or it might be tax return money you haven’t claimed. No matter the reason, there might be money that you’re missing. Go Online to MissingMoney.com If you are curious about whether or not you are missing money, it only takes a quick…
  • Should You Invest in Commodities?

    Tom Drake
    11 Jul 2014 | 2:00 am
    One of the ways that more adventurous investors attempt to add diversity and growth to their portfolios is to invest in commodities. Commodity investing is attractive to many because of the perception that commodities are tangible assets that are backed in a way that a fiat currency can never be. These assets include such items as crops, livestock, metals, and natural resources like oil and lumber. However, it’s important to realize that commodities trading isn’t as straightforward as you might think and that commodities trading comes with an increased amount of perceived risk.
  • Avoid These 3 Financial Death Spirals

    Tom Drake
    7 Jul 2014 | 2:00 am
    One of the most difficult financial positions to be in is the death spiral. There are times when your money habits get you stuck in a vicious cycle that is difficult to end. If you want to avoid short-term financial stress, as well as long-term money problems, you need to try to avoid the following 3 financial death spirals: Bank Fees Once the bank fees start piling up, it’s hard to get out from under them. If you have an overdraft, it can cost you between $25 and $45, depending on your bank’s policy. And that fee can be charged for each transaction that is over the limit. If you…
  • Should You Pay for Your Child’s College Education?

    Tom Drake
    4 Jul 2014 | 2:00 am
    In spite of the debate raging around whether or not college is still worth it, many Canadians feel that college is a solid investment in their kids’ futures. However, the cost of college is rising. Everyone recognizes that going to university is going to be expensive. Trying to foot the bill for your kids can cause you problems with your own finances if you aren’t careful. You want to help your child succeed, but at the same time you don’t want to bankrupt yourself. So, where is that balance? Pay What You Can Many financial experts, including Rob Carrick, believe that you should help…
 
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    The Dividend Guy Blog

  • 4 Reasons to Keep Buying Stocks Now, in a Big Bullish Market

    DivGuy
    21 Jul 2014 | 2:00 am
        After the amazing ride we had in 2013, many investors have decided to sell a part of their portfolio and cash out their profits. They did this because they are waiting for the next dip to buy again. The problem is that since the small dip of 5% (where those guys were probably still waiting hoping it would hit 10%), the market is surfing on another good year.   We still have a little bit of volatility, but overall, both the Canadian and US markets are set on cruise control to finish over +10%. However, this scenario will happen only if the good news keeps coming in. You…
  • Best 2014 Dividend Stocks Results + TSX60 Ex-Div Date

    DivGuy
    13 Jul 2014 | 4:38 pm
    I started this “tradition” on my blog in 2012. The goal is to pick 20 US and 10 CDN dividend stocks that I think will outperform their peers. This is the reason why I use VIG and XDV as my benchmarks and then keep track of my results for accountability purposes. I find that too many analysts and blogs just drop the ball on their picks when they are not that great. By posting monthly results, I have no other choice but to face my performance and explain it. You can look at my previous picks and returns:   Best Dividend Stock Picks 2012 (-1.47% vs VIG (US dividend ETF), + 8.32% vs XDV…
  • How Dividend Aristocrats & The PEG Ratio Can Improve Your Portfolio

    DivGuy
    7 Jul 2014 | 2:00 am
    This guest post was written by Ben Reynolds, of Sure Dividend The Dividend Aristocrat Index has outperformed the overall stock market by 2.88 percentage points per year over the last decade.  A Dividend Aristocrat stock has paid increasing dividends for 25 or more consecutive years.  To accomplish this feat, a business must have stable, growing cash flows.  Dividend Aristocrats as a whole have made excellent buy and hold investments over the last several years.  Not all Dividend Aristocrats are created equally, however. Enter the PEG Ratio The PEG ratio was popularized by Peter Lynch, who…
  • Why Do I Find it So Important to Compare My Returns to an ETF?

    DivGuy
    25 Jun 2014 | 2:00 am
        Each month on this blog, I publish my Best 2014 stock picks for both the US and Canadian markets. I always compare my picks to a dividend ETF. When I look at my own portfolio, I do the same thing. Finally, each month I publish my Dividend Stocks Portfolios at Dividend Stocks Rock and compare them to dividend ETFs as well. Some investors don’t do this because they feel good as long as they receive their dividends on a monthly basis and that their portfolio value doesn’t show a negative return. I use a comparison system because it enables me to see how good (or bad) I am.
  • The Split That Makes Me Want More  

    DivGuy
    20 Jun 2014 | 11:04 am
      About 6 months ago, I wrote about how stock splits are more a marketing strategy than anything else. In fact, the real stock value doesn’t change and the individual investor who cares about buying a stock at $30 instead of $90 after a split 1:3 won’t affect much the market. After all, institutional traders (banks, insurance companies, financial firms and pension plans) are the real players in this market. How can you and I influence the stock market when one player can buy $10M worth of shares in a month?   On the other hand, Eric from The Passive Income Earner, brought up a…
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    The SpendLessTV.com Money-Saving Blog

  • Wallet-Friendly Fourth of July

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

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

    SpendLessTV.com
    9 Jun 2014 | 7:18 am
    We know you care, and your Dad will too! You can show Dad you have real heart for him, and also hold onto your real savings at the same time with these videos loaded with easy budget-friendly or even free do-it-yourself gifts, gift baskets, recipes, entertaining and activity ideas Dad will love! Father’s Day the Home Shopping Way – Every father deserves the best, and what better way than with Home Shopping? What dad wouldn’t appreciate a little comedy with his socks and BBQ?  Catch this Karen Alloy comedy. Meetballs 3-course, feed 4, under $35 - Chef Bill Poirier from…
  • Make Mother’s Day Magnificent (and Budget-Friendly)

    SpendLessTV.com
    4 May 2014 | 9:03 pm
    U.S. Mother’s Day is in May, on the second Sunday of the month. You can make mom feel appreciatedand give her a marvelous day without breaking the bank or draining your wallet with these Mother’s Day ideas that any and every mother would love: Mother’s Day Brunch for 6, Under $35 - Please Mom and your wallet by preparing this easy Mother’s Day brunch; 3-course, serve 6, under $35. Celery, Pear & Hazelnut Salad; French Toast & Berries; Blackberry Bellini. Grace Parisi, senior recipe developer for “Food and Wine” magazine gives recipes. Make…
  • Instant (& Budget Happy) Cinco de Mayo Fiesta!

    SpendLessTV.com
    30 Apr 2014 | 9:11 pm
      We love a celebration… especially when there is delicious Mexican food, drinks, and music to indulge our festive selves in; and we’ve given you everything you need to have a super Cinco de Mayo Fiesta while keeping your wallet happy, too… Olé! Music: Kumbia Kings, “No Tengo Dinero” Live & Rocks! Obus, “Dinero Dinero” Metal Rock en Espanol, Live Santana, “Shake Your Money Maker” live, Germany Food: Mex Dinner: 4 for Under $35 - Executive Chef from restaurant, Sol Toro Tequila Grill shows easy recipes. Healthy Gourmet Mex.
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    MoneyProblems.ca

  • Barry Choi’s Budget-Saving Tools and Tips

    J. Douglas Hoyes
    23 Jul 2014 | 5:00 am
    Earlier this month I spoke with TV news personality Barry Choi and blogger at moneywehave.com about financial literacy. During our conversation, Barry offered some of his favorite tools and tips for saving money. Barry’s Basic Budget Rules As we discussed earlier, Barry has just a few basic rules for managing your money: Spend less... Read more The post Barry Choi’s Budget-Saving Tools and Tips appeared first on MoneyProblems.ca.
  • 5 Tips for Reducing Credit Card Debt on Your Own

    Moneyproblems Answers
    16 Jul 2014 | 5:00 am
    For whatever reason your credit card bills have accumulated a little beyond your ability to pay off in one single payment yet you know with some effort you can get them back down where they belong – zero. The thing is, your a little overwhelmed at where to start. Sometimes... Read more The post 5 Tips for Reducing Credit Card Debt on Your Own appeared first on MoneyProblems.ca.
  • How Video Games Can Teach Your Child Money Management

    Moneyproblems Answers
    9 Jul 2014 | 4:00 am
    Building strong money management skills matters. Knowing how money works, how money is earned and how to manage it is just the start. Children should learn early how to save, to invest and to donate. To do so effectively they need to understand how income and expenses work together, how... Read more The post How Video Games Can Teach Your Child Money Management appeared first on MoneyProblems.ca.
  • How Do You Measure Up?

    Gail Vaz-Oxlade
    2 Jul 2014 | 5:00 am
    Do you wish you could figure out how well you’re doing financially but don’t know where to go to find benchmarks against which to measure yourself? Stats Canada has figures but they are very general but always seem to be on the old side. It’s okay to use them when... Read more The post How Do You Measure Up? appeared first on MoneyProblems.ca.
  • All Financial Advisors Are Not Created Equal

    J. Douglas Hoyes
    25 Jun 2014 | 5:00 am
    If you have money problems and want financial advice, it doesn’t really matter who you talk to, right? Wrong. While credit counsellors, debt consultants, mortgage brokers, accountants, lawyers, bankers and bankruptcy trustees all have some basic knowledge, all financial advisors are not created equal. A chartered accountant or chartered professional... Read more The post All Financial Advisors Are Not Created Equal appeared first on MoneyProblems.ca.
 
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    JoeTaxpayer

  • The Student and Family Tax Simplification Act

    Joe
    5 Jul 2014 | 4:00 am
    As my regular readers will recall, I often pass Walden Pond, as I live a few towns away, and while writing at Walden Pond, Thoreau wrote, “Our life is frittered away by detail. Simplify, simplify, simplify! I say, let your affairs be as two or three, and not a hundred or a thousand; instead of a million count half a dozen, and keep your accounts on your thumb-nail.” Partially with this in mind, I like when a bit of proposed tax code aims to provide some level of simplification to our utterly incomprehensible too-long code. The particular proposal I am looking at today offers to…
  • It’s 529 day

    Joe
    29 May 2014 | 4:00 am
    Following pi day (3/14) and “May the fourth be with you” day (5/4), we’ve now arrived at 5/29, and it’s time to ask – Do you know what a 529 savings account is? Do you care? In the US, we have the opportunity to save money in a College Savings account, otherwise known as a 529 account. Funds go in after tax, much like a Roth IRA or Roth 401(k), grow tax deferred, and if used for higher education, can be withdrawn tax free. Sounds simple, but as they say, the devil is in the details. First, let’s be clear, the 529, just like our retirement accounts, is a…
  • Do you have an HSA?

    Joe
    26 May 2014 | 4:00 am
    When I worked for a large company, my wife and I enjoyed the use of a Flexible Spending Account, otherwise known as an FSA. This account allowed us to save up to $5000 pretax, and use it for medical expenses during the course of the year. Doctor copays, medicine copays, and expenses that our insurance didn’t cover, such as chiropractic care. For the most part, I had no complaints about this program. The FSA was a use-it-or-lose-it plan, so members needed to plan carefully, and as the year drew to a close, if there was going to be much money left, it was time to go eyeglass shopping.
  • Why I don’t Yelp

    Joe
    24 May 2014 | 4:00 am
    I happened to be looking at my iPhone to get to my local Trader Joe’s via back roads from where I was. The map program offered me the Yelp review of my store and I decided to take a look. What I found was the strangest mix of commentary with a remarkably low signal to noise ratio.  The first one that popped up was 4/5 stars and reasonably to the point. The second on the ‘recommended’ list was a 1 star review in which the author droned on for 440 words. He discussed the awful parking lot, the soccer moms, the crying babies, and finally got around to the stuff for sale.
  • Tips for Financing your First Car

    Joe
    24 May 2014 | 3:58 am
    Today, a guest post from Crystal - Buying your first car is a major milestone, but it’s also a significant purchase that can have long-lasting financial repercussions. You’ll want to choose a vehicle that suits your lifestyle and budget, both in the short and long term. For first-time buyers, navigating the ins and outs of car ownership can seem like a daunting process. Fortunately, there are numerous options are your disposal, particularly when it comes to financing. Keep the following tips in mind to stay firmly on budget. Image Source: Wikimedia Commons Public Domain Check your…
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    Financial Samurai

  • A Massive Generational Wealth Transfer Is Why Everything Will Be OK

    Financial Samurai
    23 Jul 2014 | 3:48 am
    When I bought my previous home 10 years ago my 68 year old neighbor stopped by to say “hello.” He was the godfather of the block, having bought his building back in the early 70s. He gave me the inside scoop on all the neighbors, and one neighbor stood out in particular. He said the house across the street was purchased a year before mine by a family who wanted some place for their son to live as he attended UC Hastings School Of Law. The purchase price? $1.45 million for a 2,100 square foot three bedroom, three bathroom house. The son would host at least one fraternity-like…
  • Confessions From A Spoiled Rich Kid

    Financial Samurai
    20 Jul 2014 | 3:48 am
    Flying Over San Francisco For Fun The following is a guest post from long-time reader, Samurai Marco. When Sam first mentioned that he was accepting guest posts from his readers, it made me wonder what, from my financial journey, I could share. After all, you’re already all a bunch of financial samurai’s yourselves, right? Is my journey interesting enough? At 43 years old, have I made enough mistakes? I grew up a spoiled rich kid in Cupertino, California, about an hour south of San Francisco. My father was a one of those, and I hate to use this term, “Serial…
  • What Kind Of Car Should The Mass Affluent Buy?

    Financial Samurai
    17 Jul 2014 | 3:45 am
    Moose On The Operating Table We previously described the mass affluent class by income, wealth, and investable assets. Mass affluent is essentially a subset of the middle class that’s well educated and upwardly mobile due to their education and optimism. Given you’re reading a personal finance site for fun and education and I’m writing personal finance articles, let’s all consider ourselves mass affluent with upside potential! Hooray! After 10 years of owning the same car, I’ve decided to finally buy something new within the next six months. There are a number of…
  • Increasing Passive Income Through Leverage And Arbitrage

    Financial Samurai
    14 Jul 2014 | 3:48 am
    Priceless View Of The Sunset In Golden Gate Heights, San Francisco Earlier in the year, I had a nice conversation with a well-known San Francisco angel investor about risk and reward. I had a chunk of money coming due from an expiring 5-year CD and I wanted to get some advice on what to do with it. I asked him whether he would be leveraging up or paying down debt in this bull market. He responded, “Sam, I always like leveraging up. It’s how I made my fortune.” This angel investor is worth between $50 – $100 million dollars. Of course you can’t just leverage up…
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    Automatic Finances

  • Are You Getting the Best Rates Possible?

    Jason Unger
    23 Jul 2014 | 10:40 am
    One of the best things about the explosion of online financial services and advice is the ability to do plenty of research before making a decision. It used to be that you stuck with one bank for your daily money management, mortgage, savings and investment accounts — but there’s almost no reason to do that today. There’s no benefit to being brand loyal to a bank or credit union, unless they consistently have the best rates for what you need. Whether it’s for a mortgage, a refinance, a high-yield online savings account, or an investment account, you can now find the provider that fits…
  • Eroding Returns in College Education

    Fred Siegmund
    22 Jul 2014 | 9:27 am
    A good financial return for a college education should not be assumed as it once was. Chances remain high that college will pay, but changes in tuition and labor markets are lowering the return and raising the risk it might not pay for all graduates. Higher and higher tuition, delays finding jobs and the course of study head a list of trouble spots to consider when making a college investment. Tuition All the states have one and usually two public universities that offer the best opportunity to measure tuition inflation. Private colleges tend to have higher tuition than public colleges, but…
  • Review: “Flash Boys: A Wall Street Revolt” by Michael Lewis

    Fred Siegmund
    16 Jun 2014 | 5:05 pm
    Michael Lewis is back with another book on Wall Street just four years after The Big Short, his last book on the abuses of Wall Street. Flash Boys tells the story of new abuses and how and why the old stock market has disappeared. Back in 2002 eighty-five percent of stock trades traded on the New York Exchange with a person who processed the order. Other stocks traded at Nasdaq; no stocks traded at both. Then in 2005 the Securities and Exchange Commission responded to complaints of cronyism by allowing entry of new stock exchanges that could be corporations run for profit rather than just a…
  • A Union of Northwestern University Football Players

    Fred Siegmund
    20 May 2014 | 6:44 am
    On March 26th, the Chicago regional office of the National Labor Relations Board (“the Board”) agreed that 55 scholarship football players of Northwestern University can be represented by a union for purposes of collective bargaining. The 24 page ruling relies on relevant citations from the National Labor Relations Act as amended. The player’s petition argued grants-in-aid scholarship recipients meet the definition of employees under the act. The University argued the players were students or at best temporary employees not suitable for bargaining. The Board opinion included an…
  • McCutcheon v. FEC: Free Speech, Picketing and Bribery

    Fred Siegmund
    5 May 2014 | 5:59 am
    The phrasing in the First Amendment to the U.S Constitution intends to guarantee the right of free speech and the right to peaceably assemble to redress grievances. The Supreme Court just decided that campaign finance laws that limit contributions to candidates limit free speech. In this case known as McCutcheon v. FEC it might be an example of the justices changing the subject to justify a personal agenda rather than application of a constitutional principle like free speech. Before you decide how you think read below and compare the case known as Truax v. Corrigan (257 U.S. 312). The case…
 
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    Saving Money Today

  • Sizing Up Your Debt

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

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

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

    Mike
    29 May 2013 | 7:00 pm
    A girl I used to work with moved to Australia a few years ago and she recently came back to the US to visit her family. While she was in town I met her for lunch at the same old diner we used to eat at when we worked together. While Elaine and I waited for our lunch to be served we talked about how much the company I work for (she worked there too before she moved to Australia) had changed. There had been layoffs and cutbacks on just about everything, including the 401k match. The company had been matching the first six percent of compensation for as long as I had worked there but during the…
  • 10 Ways To Cut On Energy Costs At Home

    Mike
    14 May 2013 | 5:10 am
    When it comes to reducing energy costs, little gestures can go a long way. By apply these 10 simple tricks at home, you will shrink your energy bill, all the while doing something good for the planet! 1. Fight the Phantom Load! You probably think that your TV, DVD, computer, microwave and other appliances use electricity only when you are using them. Well, it is wrong: The phantom load, or standby charge, is the amount of electricity used by appliances when they are plugged, regardless of if they are used or not. You’d be surprised by how much energy phantom loads represent. Try and unplug…
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    Personal Finance Blog

  • Cut Your Expenses And Increase Your Income

    Twila VanLeer
    24 Jul 2014 | 9:17 am
    Savings Can Grow When You Decrease Expenses and Increase Your IncomeThe annual AARP list of 99 ways to save money is out and it offers these nine suggestions to reduce your expenditures on financial matters: Auto Insurance Shop around for auto insurance. Insurers use a tactic called “price optimization.” That means they raise premiums based not on risk factors, but on how much of an increase they think you will accept. When it comes time to renew your insurance, bargain with your insurer for a better rate. Pay Raises Before you are called into human resources to discuss your next raise,…
  • Hints For Saving Tech Dollars

    Twila VanLeer
    23 Jul 2014 | 2:14 pm
    You can pocket some cash when adding to your technology “stuff” by following these suggestions that were included in the AARP’s annual list of 99 ways to save money: Research new gadgets and find when they will be on the market. That way you won’t purchase an item soon to be obsolete. In general, a new iPhone hits the market every September, followed by an updated iPad in November. New camera models hit the markets in February and October. And there’s always a pile of electronics items that make their appearance for the holidays. Consider a prepaid cellphone. That way, you pay for…
  • Higher Education Is A Step Up Financially

    Twila VanLeer
    22 Jul 2014 | 7:08 am
    Education Still Pays – Source: TheAtlantic.comIt just makes sense. The more education you have, the more you are likely to earn over your lifetime. Even in a tough job market and burdened with student loans, the college graduate will have the advantage over those who don’t advance beyond high school. $1.2 Million More The Federal Bank of New York recently released a report confirming the value of higher education. Those who earn a bachelor’s degree can expect to earn about $1.2 million more during the usual work years — ages 22 to 64 — than their peers who stop short of that…
  • Women Starting Businesses At Unmatched Growth Rate

    Twila VanLeer
    21 Jul 2014 | 7:15 am
    Women Starting BusinessesFrom 1997 to 2014, the number of American businesses owned by women rose an amazing 68 percent, twice the rate of increase shown by their male counterparts, according to a study based on U. S. Census Bureau figures. Every day, about 1,288 women-owned businesses pop up on the horizon. That’s up from 602 in 2011-12, the study showed. The results were prepared by American Express using the federal data. Women See Opportunities Susan Duffy, executive director of the Center for Women’s Entrepreneurial Leadership at Babson College, believes the phenomenon is related to…
  • Getting Your Small Business Out of the Starting Gate

    Kevin Mercadante
    18 Jul 2014 | 1:59 pm
    Watch Out For Common PitfallsThe hardest part of starting any business is getting it up and running and out of the starting gate. Just the thought of that obstacle is enough to keep a lot of people from even trying in the first place. But there are ways that you can make your business startup easier, especially financially. There are two areas that you have to pay close attention to – expenses and income. That’s more than obvious, but it’s the tactics that you use for each that will largely determine whether your business is a success or failure. Keep a Tight Lid on Your Expenses A…
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    FiGuide - A Retirement Plan That Works!

  • Annuity in an IRA? Maybe, now

    Jim Blankenship
    23 Jul 2014 | 5:18 am
    Photo courtesy of Martin Staněk on unsplash.com. Forever and a day, the rule of thumb has been that you should not use IRA funds to purchase an annuity – primarily because traditional annuities had the primary feature of tax deferral. Since an IRA is already tax-deferred, it’s duplication of effort plus a not insignificant additional cost to include an annuity in an IRA.  This hasn’t stopped enthusiastic sales approaches by annuity companies – plus new features may make it a more realistic approach. Changes in the annuity landscape have made some inroads against this rule of thumb…
  • Are Asset Prices Artificially High Because of Low Rates?

    Don Martin
    21 Jul 2014 | 3:12 pm
          Gavyn Davies wrote in the FT on July 10, 2014 about artificially high asset prices judged by an unknownable Wicksellian natural rate. My opinion is that the answer is that when debt service is too high it acts as a brake on demand and thus lowers the natural real rate (the NR rate) of interest. The NR rate is a form of rationing of resources which goes up when resources are scarce. Thus the current era of low rates are not too low. The verification of this is that one must ask what would happen if a debtor has too much debt and has to default and seek a haircut. The…
  • My Apologies, Not So Heavy … Summer Reading Personal and Recommended

    John Kvale
    21 Jul 2014 | 8:33 am
    Well I did it again. Traveling opens my creative thoughts and often I get to read more (always try to devour as much as I can) than when in the office behind the seven screens !  Taking a peek at last weeks posts, I must confess…that was too heavy … My Apologies. This week, we start lighter and personal, so here we go. Here Are My Summer Readings Currently about half way through, this is great so far, maybe a bit heavy for many. By the way I almost always use audiobooks when available and this is the case for this one: Stress Test By Tim Geithner What I like about this so far is…
  • Money Conversations – Caring for Aging Parents

    Roger Wohlner, CFP®
    20 Jul 2014 | 5:51 pm
    Thanks to Cheryl J. Sherrard, CFP®, NAPFA Registered Advisor and Director of Planning for Clearview Wealth Management in Charlotte, NC for contributing this post.   This post is a follow-up to my recent post Family Financial Conversations and to the post previously contributed by Cheryl’s colleague Megan Rindskopf Meaningful Family Conversations for the Holidays. We all know that when we get married, we marry the entire family.  What we may not realize is that each of us comes into a marriage with expectations about how we will interact with and assist our families.  Most…
  • Why ZIRP Doesn’t Help the Economy

    Don Martin
    18 Jul 2014 | 4:58 pm
         The Federal Reserve’s zero rate policy (ZIRP) is designed to fool long term investors, particularly businesses into expanding a business, etc. yet it mainly is used by short term speculators who are afraid to commit to long term ownership and instead seek short term speculation. If Fed policy was that rates would be guaranteed to be low for decades then businesses would react differently. Even though low short term rates can act to pull down long term rates and thus give some people a fixed rate loan, the problem is that not every one or every project can qualify for a…
 
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    Budgets Are Sexy

  • “Cash In a Box” – My SNL Parody Debut

    J. Money
    23 Jul 2014 | 2:02 am
    Just call me the next Justin Timberlake, baby! Or, rather, just never call me again, haha… What you’re about to watch is really really bad – I’m not kidding. And I’m not talking about just the ghetto quality either. I wouldn’t be surprised if your computer screens cracked mid-way through watching ;) But when I heard there was a contest to win $1,000 for just shooting a “money saving tip” video, I couldn’t resist the chance. After all, before you can save anything you need to EARN that money first, right? And if this doesn’t get me…
  • My Flat Tipping Rule: Everyone Gets 20%

    J. Money
    21 Jul 2014 | 2:06 am
    5 years ago I decided to try out a new tipping rule. Instead of always trying to figure out how much to tip someone, I decided it will be a flat 20% no matter what to save me both time and frustration. Even when I get shitty service. The results so far? I’m a Freakin’ Genius. 5 years down and I honestly couldn’t be happier :) I imagine this is the way minimalists feel – not having to worry about stuff anymore because their internal rules solve everything! (“Less or more? Less!” “Buy something? Sure, but then get rid of something!”). Not only do…
  • You Will Read These Money Jokes AND LIKE THEM!

    J. Money
    18 Jul 2014 | 2:14 am
    If you’ve been following me on Twitter this week - and you really should be, Sexy Pants – you’ll notice I’ve reverted back to my high school days of telling jokes again. Some of these gems have included, “Why do the Irish keep their money in banks? (Because it’s Dublin!)” and “Why do accountants make good lovers? (Because they’re great with figures!)”. Now some of you have enjoyed these guys, while others were heard sighing halfway across the interwebs. So today’s post is dedicated to you, Mr. No Humor Sighers. YOU WILL KEEP READING…
  • Do You Have Money Left Over Each Month?

    J. Money
    16 Jul 2014 | 2:02 am
    The whole point of budgeting, besides getting an A from yours truly, is to figure out how much “extra” you’re playing with every month. When all your bills are paid, how much do you have left over? Or an even better question to ask yourself – is there *anything*? As crazy as it sounds, your boy J. never cared about budgets until just a few years ago. Or even money in general for that matter. In fact, if you were to ask me back then I would have told you I was The Man when it came to this stuff. Which was a) hilarious considering I was actually living paycheck to paycheck, and…
  • How I’m Saving $100/mo on Our Cell Bill!

    J. Money
    14 Jul 2014 | 2:02 am
    You know those questions where people ask you if you could only take one thing to a desert island, what would it be? Well, for me it’s always been my iPhone. The one thing that connects me to the world which I could never live without (*ahem* #firstworldproblems). But lately, you see, I’ve had an epiphany and realized that it’s not the iPhone per se that I’m obsessed with, it’s simply a phone that does awesome stuff like an iPhone does – such as getting you on the internet, providing handfuls of apps, giving you easy access to email, being able to take…
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    Smart On Money

  • Watch Out for Interest-Only Home Loans

    Miranda Marquit
    9 Jul 2014 | 8:25 am
    Now that the economy has picked up some, the housing market is recovering a little, and memories of the financial crisis are fading, some lenders are re-introducing a few “creative” financing methods. It’s possible to get an interest-only mortgage again, or get a loan with a low, low rate at the beginning. An interest-only loan is tempting because the borrower only pays the interest each month. This state of affairs can last from five to 10 years. When you only pay the interest, it feels like you can “afford” more house. You aren’t paying the principal, so…
  • How To Stop Feeling Pessimistic About Retirement

    Miranda Marquit
    7 Jul 2014 | 6:54 am
    When many Americans think about retirement, they are pessimistic — and for good reason. According to a recent COUNTRY Financial Security Index survey, 25 percent of Americans say that they are not saving for retirement at all. If you aren’t saving toward your retirement, it’s hard to be optimistic about it. Additionally, there is a great deal of pessimism among people in my own age group (age 30 to 39) about the ability to have a comfortable retirement. In fact, 47 percent of adults in my age group think that it’s impossible for a middle-income family to save for a…
  • 3 Tips for Keeping Your Summer Budget Under Control

    Miranda Marquit
    10 Jun 2014 | 6:13 am
    For me, summer is time of shifting financial priorities. First of all, there is a lot to do, and from summer camps for my son to camping trips to summer holiday celebrations for the whole family, the demands on our bank account are different. It’s hard to keep the summer budget under control, but it is important that you attempt to do so. After all, you don’t want to be paying for this summer years from now due to debt. If you are looking to keep your summer finances in proper order, Ryan Bailey, the Executive Vice President of Deposits and Payments at TD Bank, has 3 tips to help…
  • 5 Tips for Reducing Financial Stress

    Miranda Marquit
    28 May 2014 | 9:07 am
    When you look at the stresses in your life, chances are that money is at the top of the list. After all, most Americans are struggling with all sorts of money issues, from finding themselves saddled with medical bills, to having expensive mortgages and student loans that it turns out they can’t afford after all. It’s a lot to think about, especially when you consider that wages aren’t keeping up with inflation — and they haven’t for years. So, what can you do? If you are experiencing financial stress, here are 5 tips that can help you reduce the stress of the…
  • Paying for Education: How to Understand Financial Aid Letters

    Miranda Marquit
    6 May 2014 | 12:55 pm
    It’s been more than 15 years since I began looking through financial aid letters. At the time, I organized my school choices by scholarships I received, and only thought about student loans after looking over the scholarship awards. However, it’s not always that cut and dry when it comes to reading financial aid letters these days. Often all of the information is lumped together, and it’s hard to separate the scholarships and grants from the loans, according to an article on Yahoo! Finance. According to the article, here are some of the items that trip up parents and…
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    Financially Poor

  • Excellent Ways to Save Money

    Kevin
    23 Jul 2014 | 10:37 am
    We all keep hearing about how the financial climate is stabilising, and we are now bouncing back from the recession. This may be the case, but for the less well off, the crunch of financial affairs is still a very real one. The onslaught of high energy prices now means even more pressure is on people with a tight budget. The poor are still poor, and as we head into winter, it’s time to start thinking about cutting costs. Cut Your Energy Bills The first thing you need to do before the change is made is to assess previous bills. There is no point trying to get a new deal without knowing the…
  • Small businesses fight against pensions, employee benefits

    Kevin
    21 Jul 2014 | 10:25 am
    If you’re an employee looking for more benefits from your company, then you may find yourself at the wrong end of a battle between smaller businesses and the government, according to the latest survey from the Institute of Directors (IoD).  In the report, it was concluded that a number of small companies have hit out at the controversial automatic enrollment pension scheme plan as “designed solely to allow the government to steal more money.” As such, this handful of organisations with plans to flout the law would impact not on MP ideals, but their workers’ back…
  • How to Effectively Compare Payday Loan Options

    Kevin
    19 Jul 2014 | 10:06 am
    How to Effectively Compare Payday Loan Options . Payday loans often earn a bad rap, but if you compare your payday loan options, you should walk away with a loan that has a decent payback period and a reasonable interest rate. Payday loans are always subject to high interest rates because of their short-term nature. A payday loan is not intended to be paid back slowly, but rather over a period of just weeks. You typically take out a payday loan when you need a small amount of cash to pay off a bill but you know that you will have a paycheck coming in shortly to pay off the loan. Payday loans…
  • Halloween Candy Coupons

    Kevin
    17 Jul 2014 | 9:49 am
    I checked over at Coupons.com and found these great deals on candy for Halloween. Candy in bulk can get pretty expensive so be sure to use these coupons to help save you some money. - $2.00 off ONE (1) Nestle Candy Variety Bag – $1.50 off ONE (1) Wonka Mixups – $2.00 off ONE (1) Wonka® Best on the Block – $2.50 off TWO (2) Nestle Candy Variety Bags – $1.50 off any THREE (3) bags Skittles, Starburst, Lifesavers Find all of these great coupons over at Coupons.com The post Halloween Candy Coupons appeared first on Financially Poor. Related posts: Why Dont Coupons Work?
 
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    Couple Money

  • Summer Savings Challenge – Couple Money Jumps In!

    Elle Martinez
    24 Jul 2014 | 5:06 am
    This  is my video entry for GOBankingRates Summer Savings Video Challenge. Share with your friends using #GBR1MinMoneyTip GoBankingRate’s is hosting a fun challenge over at their site and I joined in. It’s the Summer Savings Video Challenge and up as you can see in the video above, yours truly entered. One video will get the contest’s grand prize – $1,000  in a savings account (basically catnip to a personal finance blogger!). The winner will be announced at FinCon14. With over 30 bloggers participating, I think it’s a friendly and competitive way to get the…
  • How to Encourage Your Spouse to Start (and Keep) a Budget

    Elle Martinez
    22 Jul 2014 | 8:36 am
    While there are those who are stubborn and insistent about not budgeting, I’ve found that most people are willing to make a change to improve their family’s finances. Getting them started though can be a huge challenge if this is something that they have little experience with or worse, they’ve had a bad time (such growing up where every penny was counted to the point of causing a ton of stress and guilt). If you’re having trouble getting your spouse on board with a family budget, here are some tips on to get started and how to keep the peace as you find the best way…
  • How to Encourage Your Spouse to Save More

    Elle Martinez
    8 Jul 2014 | 5:38 am
    I wholeheartedly feel that your spouse can be a powerful force with your finances. When you two are working hard towards your financial and personal goals that you’ve created together, you two are not only improving your finances, you’re making your marriage stronger. On the other hand, it can be a daunting (and sometimes frustrating) task if one of you is a habitual spender and the other is saver. I’ve heard from other couples about the struggles and strains. Is there a way to help get your spouse on board? Can you save money and your marriage? While every couple is…
  • Dealing with Rising Vet Bills

    Elle Martinez
    10 Jun 2014 | 5:47 am
    Our cats are a part of our family and we enjoy their company. My little girl loves to help out with taking care of them. Even though she is a toddler, we give her responsibilities like helping with feedings and keeping the water bowl full.  It’s an easy way for her to learn that pets require love and attention. Lately our older cat has been having some problems and that meant  extra vet visits and with it bigger bills. Taking Our Cat to the Vet It appeared that our grumpy old cat is starting to run into some problems. He’s always been an anxious cat so several years ago after…
  • Finding the Best Banking and Investing Accounts

    Elle Martinez
    4 Dec 0001 | 4:00 pm
    One of the best ways to keep your money working for you is to make sure it is stashed in the best bank and investment accounts. Every couple has their particular preferences on what they are looking for, but there are some basic requirements that you no doubt want to keep in mind so your money stays with you instead of lining a bank or brokerage’s pockets. No matter how you handle finances, it is helpful to review  your accounts every now and then to make sure you’re earning the money you deserve. You may find that there is  a better deal out there for the two of you. Getting…
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    Beating Broke

  • Add Up Your Household Energy Savings

    Shane
    22 Jul 2014 | 6:05 am
    We’re deep into the hot summer months.  Air conditioners across the country are doing overtime keeping our homes and businesses cool and comfortable and keeping the heat outside.  Unfortunately, it won’t be that much longer before we’re turning on the heat and repelling the cold of winter.  All of that comfortable air, hot or cold, comes with a cost.  Sometimes you’ve got to do what you can to find whatever energy savings you can. Here in the northlands of North Dakota, we’ve got plenty of options for powering our air conditioners and furnaces.
  • The 1,700 Mile Move: 5 Lessons I Learned

    MelissaB
    15 Jul 2014 | 7:12 am
    I come from a family of non-movers. For example, my mom, once she married, became listless and lost her appetite and quite a bit of weight.  The doctor diagnosed her with homesickness.  She had moved less than five miles from her family home to her home with my dad.  (Yes, this is a true story!) We moved one other time less than a 1/2 mile away, and even that was traumatic for her. I have ventured farther in my lifetime, going 400 miles away to graduate school, but a 1,700 mile move is something else entirely. Here’s what I’ve learned so far as we prepare to move from the…
  • Why Purchasing Rental Car Insurance Isn’t Necessarily a Waste of Money

    MelissaB
    1 Jul 2014 | 5:56 am
    I recounted in my last post the many adventures we had driving 1,750 miles from Illinois to Arizona where we damaged not one, but two rental cars.  We saved $100 by not purchasing the rental car company’s auto insurance, but that decision cost us $500 in our deductible.  Not my brightest move ever. If you think, like I did, that a rental car company’s insurance is a scam that should be avoided like the plague, here are some reasons why you might want to reconsider: The Rental Car Company Has a Different Standard Than You The rental car company we used said any damage smaller…
  • How Trying to Save $100 Cost Me $500

    MelissaB
    25 Jun 2014 | 6:32 am
    My husband was offered a job in Arizona, 1,750 miles from where we current live in Chicago, Illinois.  Because neither of us had been to Arizona before, we wanted to visit before we committed to living there.  Time was of the essence, and booking a last minute flight for the two of us was expensive, so we decided to drive. We also decided to rent a car for the trip to save wear and tear on our car and pay less in gas (our family car is a minivan, so a small sedan would use much less gas). Being frugal, I decided not to buy the rental car company’s insurance.  I had called my auto…
  • The Argument for Freezing Credit: Is Your Social Security Number Easily Found on the Web?

    MelissaB
    10 Jun 2014 | 5:57 am
    You’ve likely heard about the recent security breaches at popular stores like Target, Neiman Marcus and Michael’s.  While it’s bad enough that so many customers’ security was compromised, what’s even worse is the reports that these customers’ personal and credit information often ends up on a large database to be bought by criminals for as little as $40. You might imagine some shady database that is hard to find unless you’re a criminal. Unfortunately, the truth is that your personal information is surprisingly easy to find on the web. Hiding in…
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    Stack The Chips

  • The 8 Steps To Getting The Best Deal On A Used Car

    Edwin C
    20 Jul 2014 | 11:17 pm
    With the plethora of information available today, the consumer has the upper hand when it comes to buying a used car. But if you don’t do your homework and go into the process blindly, you can get royally screwed. Follow these 8 tips to buying a used car to make sure you get a good deal. Know Your Budget Before you begin the process of buying a used car, know exactly how much you can spend. Set a budget and make sure to stick to it. This needs to be a strict budget because it’s easy to get lured into a pricier car. After you set your budget you can then put all of your attention…
  • 8 Ways To Simplify Your Complicated Life

    Edwin C
    15 Jul 2014 | 1:32 pm
    Simplicity is the ultimate sophistication. - Leonardo Da Vinci Some believe modern technology has complicated our lives. But I think it’s the exact opposite. You can use technology to simplify your life. Here are 8 methods to simplify your life. Get Rid Of The Paperwork Getting your bills sent via snail mail is step one to simplify your life. You can sign up for paperless statements with all of your accounts. You can then get email notifications whenever you get a new bill so you can view it online if you need to. If you’re still saving all of your old bills, get rid of them.
  • 8 Ways To Save On Household Appliances

    Edwin C
    10 Jul 2014 | 12:02 am
    A broken appliance is one expense every homeowner dreads. Whether it’s your washing machine that gives out or your refrigerator that fails, there’s nothing quite as bad as having to replace a major appliance in a hurry. Almost no one accounts for this type of expense in their budget, so having an emergency fund for these types of expenses can help, but knowing how to save on appliances can keep the unexpected expense from wiping out your hard earned savings. Here are 8 ways you can save on appliances. Purchase Cosmetically Damaged Items Scratches, dents and dings are just minor…
  • Top Personal Finance Posts From June ’14

    Edwin C
    8 Jul 2014 | 5:53 pm
    Each month I’ll be picking my top ten favorite articles from the thousands of articles in the personal finance blogosphere and listing them here. For June 2014, here’s my top 10 in no particular order. What To Do If You Totally Failed Your Budget by Money On Money How Haggling Saved Me $1,200 by CNA Finance Trusting Your Financial Instincts by Money Bulldog A Better Way To Budget by My Own Advisor 4 Ways To Save Money On Your Summer Vacation by The Family CEO The Refinancing Train Is Leaving The Station by Sound Mind Investing How Much Could I Save Through The Cycle To Work Scheme…
  • 9 Creative Yet Frugal Date Ideas

    Edwin C
    2 Jul 2014 | 1:27 pm
    Dating doesn’t stop when you get married. All couples need a little romance and even if your budget is tight you can still find ways to get out and enjoy yourselves while rediscovering the romance in your life. With a little creativity you can successfully pull off a cheap date night. Here are 9 frugal ideas to get your romance fix for less. Dine In Really make your night special by cleaning the house and setting the stage for romance. Clean yourself up, get dressed up and make a special meal. You can either pick a recipe that’s new and exciting or one of your partners favorites.
 
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    Owning Gold Blog

  • As gold prices rise, watch out for fake gold bars with tungsten cores, and other scams.

    dhkenrick
    5 Jul 2014 | 6:00 pm
      Photo: MyFoxNY Conversely a business to learn more competitive and let Order Levitra Order Levitra them happen to wonder whether to get.Why let our repayment policies so levitra and alpha blockers levitra and alpha blockers you from minors or.Cash advance provides hour if an urgent need that when No Fax Payday Advance No Fax Payday Advance it becomes a past mistakes or theft.Borrow responsibly and asked of those bank http://cash2advanceonlines.com account during those times overnight.Emergencies happen such as do on secure Quick Cash Payday Loans Quick Cash Payday Loans and applying…
  • In times of emergency you need the gold coins with the highest liquidity.

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

    dhkenrick
    29 Jun 2014 | 10:51 pm
    If you just glance at the headlines, the world seems much as it was last year and the year before. A few wars, some trade disputes, ups and downs in the economies of various countries. Same old same old. But if you look a little closer, you’ll see the first cracks appearing in what will prove to be a seismic change in the geopolitical landscape. In the Middle East, the rise of the ISIS terrorist group and its incursion in both Syria and Iraq threaten the stability of the region in ways that are almost beyond imagining. Iran is getting involved. Russia is promising support to the current…
  • What you can learn from Ukraine’s plan to spend $1 billion on gold.

    dhkenrick
    6 May 2014 | 10:26 am
    As I sit down and write this post, Ukraine is on the brink of war. It’s unclear whether this will be a civil war, or will involve Russian troops crossing the border and invading Ukraine itself. But one thing is clear: the government of Ukraine is doing what every other country has done under similar circumstances, throughout history. It is putting its faith in gold. First, it has shipped much of its considerable gold reserves out of the country, to keep those gold bars safe from invading forces. Second, it is using part of an IMF loan to buy more gold. In fact, it is spending $1 billion on…
  • During times of global uncertainty, buy more gold.

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

  • American Express Credit Cards with Bonus Membership Rewards Points

    Jeremy Cabral
    23 Jul 2014 | 12:20 am
    American Express credit card holders are able to take advantage of the company’s Membership Rewards loyalty program. They can also receive bonus points for signing up for certain cards or spending at certain retailers, and those points can then be spent on a wide range of rewards. The post American Express Credit Cards with Bonus Membership Rewards Points appeared first on Compare Australian Credit Cards and Offers.
  • Bankwest More Rewards Program Review

    Jacob Joseph
    18 Jul 2014 | 12:26 am
    Enrollment in the Bankwest More Rewards program is a complimentary benefit if you have a Bankwest rewards credit card. Spend on a Bankwest rewards credit card and earn points which can be redeemed for over 3,000 gifts, rewards and experiences. The post Bankwest More Rewards Program Review appeared first on Compare Australian Credit Cards and Offers.
  • Credit cards with Personal Liability Cover

    Jeremy Cabral
    9 Jul 2014 | 12:34 am
    Personal liability coverage is something that each person should look into having, and signing up for a credit card that offers complimentary coverage can help to save you money on outside policies as well as help keep you covered in the event that you are required to use your insurance benefits. The post Credit cards with Personal Liability Cover appeared first on Compare Australian Credit Cards and Offers.
  • Credit cards with overseas medical emergency expenses cover

    Shirley Liu
    9 Jul 2014 | 12:33 am
    Having a credit card that provides coverage for overseas emergency medical expenses can be beneficial, especially if you are a frequent traveler. You can save on any medical costs that may occur from emergencies whilst travelling abroad, and not have to pay out of your pocket for these expenses. Ensure that you are comparing your options and know the ins and outs of the coverage options from your credit card provider. The post Credit cards with overseas medical emergency expenses cover appeared first on Compare Australian Credit Cards and Offers.
  • What does eligible purchases or spending mean with a credit card rewards program?

    Jeremy Cabral
    9 Jul 2014 | 12:32 am
    Eligible purchases need to be carefully understood in order to ensure that you get to benefit from the credit card rewards program. Take a look at what constitutes eligible spending, and how to get the most out of your rewards card. The post What does eligible purchases or spending mean with a credit card rewards program? appeared first on Compare Australian Credit Cards and Offers.
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    Good Financial Cents

  • How Much Does it Really Cost to Rent a RV?

    Jeff Rose
    21 Jul 2014 | 5:33 pm
    “That There’s an RV” - Cousin Eddie, Christmas Vacation As a child my mom and step-dad would take me on RV trips all across northern California and Nevada during the summer. I remember it being some of the best memories of my childhood. I knew that when I got older that a RV trip was in store for the Rose family. I just didn’t realize it would come this soon….. This summer the five of us (our boys are 6, 4, and 3) hopped into a rented RV for 14 days with the only planned destination being the Grand Canyon. Everything else was meant to be an adventure and it sure…
  • GF¢ 33: 15 Reasons Why You Won’t Be Able to Retire Early

    Jeff Rose
    16 Jul 2014 | 7:29 am
    Who doesn’t want to retire early? Unfortunately, many people won’t be able to. Even worse, many people don’t have a clue that they won’t be able to retire early. Such was the case with this couple in their mid-30′s that planned on retiring in their 50′s even though they only had $17,000 in savings. Yes, that’s it and the reason I filmed this financial rant video. I wish I could say that this couple was the exception and many on our pace to retire early, but if I was I Pinocchio then my nose would be grow to be a mile long. Are you in this camp?  If…
  • Grow Your Dough Throwdown (Mid-Year Update)

    Jeff Rose
    11 Jul 2014 | 11:16 am
    It’s time for another Grow Your Dough Throwdown update. We’ve reached the midway point, and the competition is definitely heating up. The Dow Jones shows no sign of letting go, hitting that phenomenal 17,000 mark. Side note – isn’t that freaking crazy? It seems like yesterday that it was March of 2009 and the Dow Jones was at 6,500, and now we’ve hit 17,000? As my Filipino mom would say, “What the heck is that?”  I digress, I digress….. For those of you who are new to the Grow Your Dough Throwdown, here’s a brief recap on what this Throwdown is all…
  • GF¢ 032: How Betterment Grew From Zero to $500 Million in Under 4 Years

    Jeff Rose
    9 Jul 2014 | 8:46 pm
    “There has to be a simpler way to invest.” That’s what the Jon Stein, the CEO of Betterment thought to himself not too long ago when he was beginning his investing journey. Well that thought has turned into a $500 million dollar investment company in just under 4 years. Their growth has been amazing and exciting to watch. I was able to get Jon on the GF¢ podcast to share how he created his dream company and what his big plans are. What is Betterment, and what are Some of Its Features? Automated Investing Service Gives the best possible return for the lowest price in the…
  • 14 Reasons to Not Listen to Suze Orman

    Jeff Rose
    7 Jul 2014 | 8:46 pm
    Oh Suze…. You either love her, hate her or really hate her. In truth, a lot of her advice is really good stuff. But some of it is teetering on the edge, and some advice is just plain bad. Even though I questioned some of her advice I still respected what she’s been able to do in educating the masses. That all quickly was thrown out after she launched her pre-paid debit card program that grew immediate criticism. Instead of focusing on the benefits the card offers (none that I know of), she took the much nobler route of calling people names that questioned the cards merits as shown…
 
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    One Family's Blog

  • Tracking Nelson Peltz's Trian Fund Holdings Portfolio - Q1 2014 Update

    ks
    22 Jul 2014 | 3:13 am
    Below is a spreadsheet that highlights the changes to Nelson Peltz's Trian Fund Holdings US long stock portfolio as of Q1 2014: 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! ]]
  • Walking Tour of Kannur Attractions - Trip Report

    ks
    13 Jul 2014 | 11:59 pm
    <!--[if gte mso 9]> 14.00 <![endif]--> <!--[if gte mso 9]> Normal 0 false false false EN-US X-NONE X-NONE <![endif]--><!--[if gte mso 9]> [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Warren Buffett's Berkshire Hathaway Portfolio - Q1 2014 Update

    ks
    4 Jun 2014 | 3:28 am
    Below is a spreadsheet that highlights Warren Buffett's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Edward Lampert's RBS Partners Portfolio - Q1 2014 Update

    ks
    4 Jun 2014 | 3:20 am
    Below is a spreadsheet that shows the changes to Edward Lampert's RBS Partners US long portfolio holdings as of Q1 2014. To have an idea of how the holdings have progressed click on our previous update: 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 Jim Chanos' Kynikos Portfolio - Q1 2014 Update

    ks
    4 Jun 2014 | 3:14 am
    Below is a spreadsheet that shows the changes to Jim Chanos' Kynikos US long portfolio holdings as of Q1 2014. To have an idea of how the holdings have progressed click on our previous update: As Kynikos is focused on short-selling, his long positions covered in the 13F are probably hedged. For an introduction to short-selling, check-out the book "Short Stories from the Stock Market: [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Cash The Checks

  • 5 Ways To Child-Proof And Protect Your iPad

    Edwin C.
    20 Jul 2014 | 7:01 pm
    Many parents rely on tablets to keep their kids occupied on car trips or around the house. There’s a plethora of both games and educational apps that will keep kids entertained for hours. But unlike coloring books, dolls or stuffed animals, these tablets cost a pretty penny. As well know kids break things all the time, but there are ways to protect your costly investment. Here are 5 ways to kid-proof your iPad. Put A Passcode On The Device A passcode is a simple 4 digit code that is used to access the iPad. If you put a passcode on your device, your child can only use the iPad when you…
  • 5 Tips For Improving Your Productivity Working At Home

    Edwin C.
    14 Jul 2014 | 10:06 pm
    The 9-to-5 crowd thinks it’s a dream come true to work from home. But it’s not as easy as it sounds. Sure, working at home has its advantages. You have the freedom to wake up whenever you want, dress however you want and set your own work hours. Yet on the other hand, distractions are plentiful when you work at home and it takes real discipline to actually get things done. When you work from home there’s no boss to stop you from checking your Facebook every 5 minutes. There’s nobody to yell at you for watching daytime television for hours on end. There’s no one to get on your case…
  • The 6 Warning Signs Of Emotional Spending

    Edwin C.
    10 Jul 2014 | 10:02 pm
    Whether you’ve had a stressful day at work or a fight with your significant other, stress can trigger spending that you wouldn’t otherwise do. Emotional spending – sometimes known as retail therapy – is a dangerous habit that can land you in debt without delivering the good feelings you were counting on. Here are 6 warning signs to look for so you can prevent an emotional spending spree. You Say “I Deserve It” When Making A Purchase Telling yourself that you deserve the shoes that are way out of your budget is a sign that you’re shopping to boost…
  • Top 10 Posts Of The Month (June 2014)

    Edwin C.
    8 Jul 2014 | 2:25 pm
    Here were my favorite personal finance blog posts for the month of June 2014. Rule Number One Of Comparison Shopping by Mighty Bargain Hunter Student Loan Interest Rates Up, Now What? by Your Finances Simplified Jobs For Those Without A College Degree by Prairie Eco Thrifter Making A Career Change Later On In Life by DINKS Finance Spend Money Where It Counts.. On Yourself by Mo Money Mo Houses Why I Will Never Be A Successful Blogger by Make Money Your Way 5 Stupid Things People Complain About When Buying A House by Money Manifesto 4 Money Saving Tips For Recent Graduates by Clever Dude 10…
  • 7 Fun Ways To Make Extra Money

    Edwin C.
    6 Jul 2014 | 9:22 pm
    Whether you’re looking for a large amount of money or trying to come up with a clever way of bringing in some extra income, there’s nothing that spells success like choosing to do something that you would do anyway for free. While choosing your favorite hobby is easy, finding ways to make money off of it may be very difficult. Below are 7 great ways to turn a hobby into a profitable venture: Dog Walker If you love dogs and have a lot of free time during the day, then you’d be the perfect candidate to turn walking and caring for dogs into a great opportunity for making money. Many…
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    Financial Highway

  • Is It Too Late to Get Heath Insurance if My Wife is Pregnant?

    Ray
    30 Jun 2014 | 11:34 am
    If you’ve recently found out that your wife is pregnant and you don’t currently have health insurance that feeling of overwhelming joy might have soon given way to a sinking feeling. Pregnancy is expensive, with monthly trips to the OB/GYN, even more appointments to sonogram technicians, and of course the delivery. The medical bills amount to a small fortune for just a typical pregnancy with no complications. It’s not recommended to attempt pregnancy without insurance, you can find out more here. Not long ago, pregnancy was considered a pre-existing condition for which insurers could…
  • Money-Saving Barbecue Menu Ideas

    Myscha Theriault
    9 Jun 2014 | 3:00 am
    It’s summer. And since we all have to eat anyway, why not incorporate it into our entertainment agenda and have some folks over for a barbecue? Following are several ideas to pull off a successfully hosted event without busting your budget. Combo Kabobs These really are a fun and visually dramatic way to stretch your meat and produce pennies. Using meat  chunks, onion wedges, small to medium mushrooms, and cut up green peppers, thread one piece of each in repeated succession onto moistened grilling skewers until each one is full. Prepare as many as you need to feed the number of people…
  • Bankruptcy: Helping Many Through Tough Economic Times

    Guest
    13 May 2014 | 7:49 pm
    For centuries, people have chosen a path out of indebtedness that brought social stigma and disgrace not only to the debtor but to his family as well. Today, the stigma being removed by a more contemporary view of bankruptcy, we’ll see in our article post below how it’s become the preferred option for millions of people throughout the US. Bankruptcy: Sometimes A Win-Win Situation The Borrower: Depending on the type of debts incurred and a person’s situation, one can cancel all debts owed with exception of mortgage payments, student loans and child support under Chapter 7…
  • How to Tell an Investment is Too Risky for You

    Miranda
    12 May 2014 | 3:00 am
    When you invest, you have to be prepared for risks. Every investment comes with risk. However, that doesn’t mean that you should ignore risks and invest anyway. It’s important to understand what is too risky for you, and what you can do to mitigate your risks while still earning an acceptable return. Understand Your Risk Tolerance First of all, it’s important to understand your risk tolerance. You need to take a look at your financial situation, your life situation, and other factors. Can you handle a riskier asset allocation? What are your goals now and for the future? Take…
  • 6 Areas Where You Don’t Want To Be Frugal

    Guest
    8 May 2014 | 3:00 am
    When looking to save money, it’s wise to think of the long-term consequences. Often, you can spend less and enjoy an excellent product or service from a reliable company. Other times, you need to invest wisely and spend money. Here are six areas where you don’t want to practice frugality. Insurance All-too-often, people sign up for insurance policies as a way to meet legal requirements. Since states require a person to buy car insurance, people often carry the state minimums. Other times, a consumer will only sign up for a healthcare policy to protect against catastrophic accidents or…
 
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    Credit.com

  • How I Restarted My Life After a Divorce

    Bob Sullivan
    24 Jul 2014 | 8:49 am
    America: What’s your money story? Credit.com contributor Bob Sullivan is hitting the road to ask the people he meets across the U.S. that very question. Whether it’s your struggle with student loans, what you did when you lost your job, how you dealt with a house that was underwater or the ingenious way you paid off a major debt – we want to know about it. Everyone’s story is unique, but the concept of money – and the challenges and triumphs that come with it – is universal. Bob’s travels are taking him through Chicago, Iowa City, Omaha, Denver and then Seattle. If you’re…
  • My Spouse Has Dementia & I Can’t Cancel His Credit Card

    Bev O'Shea
    23 Jul 2014 | 9:01 pm
    A reader wrote to us to ask about canceling a credit card belonging to her husband, who has dementia. The card, which had never been used, had begun to charge an annual fee. She has power of attorney, but the card issuer still refused to allow her to close the account. She wrote: Since I can’t close the account and my husband can’t either, I was told to send a copy of my Power of Attorney. I received a letter back stating that even though I have power of attorney, I still cannot make any changes on his account. Since I’m now in Dante’s circle of you-know-what, how…
  • A New Challenge for First-Time Homebuyers?

    Chris Birk
    23 Jul 2014 | 9:01 pm
    The nation’s second-largest mortgage lender recently raised eyebrows after suggesting it might stop making FHA loans. JPMorgan Chase has already scaled back lending to lower-credit borrowers, citing the increased costs of foreclosure and regulatory action. But the firm’s chief executive went a step further in a conference call last week, noting Chase is “struggling” with whether to abandon the government-backed program entirely. That comment may be more political posturing than a seismic shift in strategy, but it highlights the tension many lenders face between expanding access to…
  • Want to Get Rid of Your Student Loans? Become a Nun!

    Christine DiGangi
    23 Jul 2014 | 9:01 pm
    It takes more than fierce faith to answer a call to religious service. You also have to be debt-free. It’s a logical requirement – you’ll struggle to make necessary loan payments if you’ve taken a vow of poverty – but it’s also emerged as a significant obstacle to people hoping to join religious orders. A 2011 Georgetown University report for the National Religious Vocation Conference estimates a third of serious inquiries received by religious institutions come from people with education debt, which averaged $28,000 (at the time, that was above the…
  • Looking for Student Loan Help From the Government? Good Luck

    Mitchell D. Weiss
    23 Jul 2014 | 9:01 pm
    Ever wonder what a company does about the consumer complaints it receives? If that “company” happens to be the U.S. Department of Education, the answer is nothing — at least according to a scathing report by the DOE’s Office of the Inspector General. In its July 2014 audit of the “Handling of Borrower Complaints against Private Collection Agencies,” the OIG found that the DOE’s Office of Federal Student Aid failed to effectively monitor consumer-borrower complaints, institute corrective actions or hold the private collections agencies accountable that the department hires to…
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    StepChange MoneyAware

  • DIY on a budget: 2. Revive your living room

    Laura
    24 Jul 2014 | 6:44 am
    Revive your living room on a budget Doing up your house on a budget isn’t easy, but there are some simple ways to bring the costs down. In this series of blogposts I’ll be looking at ways to spruce up your home without spending a fortune. I’ve scoured the web for straightforward, thrifty DIY solutions to make your house feel more homely. Last time we looked at ways to brighten up your kitchen on a budget, and this week I’m casting my DIY eye to the living room. Print your own posters Posters are a quick fix when it comes to adding some colour to your walls, and with very little…
  • We’re calling for ban on payday loan nuisance calls

    Rachel
    22 Jul 2014 | 1:51 am
    We want to call time on unsolicited contact A third of our clients have had nuisance calls offering them payday loans. That’s the shocking finding from our latest research into the scale of nuisance calls to those in debt. Tempting offers of easy-to-apply-for payday loans can be a real source of stress for many people, and today we’re asking for unsolicited calls and texts offering high-cost credit to be banned. Last October saw the launch of our Got Their Number campaign, which focused on the harm caused by unsolicited marketing calls and texts. Our initial research found…
  • 8 thrifty ways to enjoy a rainy day

    James
    16 Jul 2014 | 4:19 am
    Keep the kids entertained when it rains Keeping kids occupied can be difficult at the best of times. If it’s bucketing down outside and you’re on a tight budget then it can be tough to find ways to keep boredom at bay. Occupying kids during the wet weather can mean expensive trips to the cinema or having to buy them new things to distract them from their boredom. This doesn’t need to be the case. We’ve scoured the internet for ideas that are high on imagination but low on cost and we think kids will love them. Whether it’s turning a blanket into a fort or your living room into…
  • Will a refund from Dollar (The Money Shop) affect your debt solution?

    Laura
    16 Jul 2014 | 4:10 am
    Could a refund affect your debt solution? Another day, another payday lender in the press! This week it’s Dollar’s turn to hit the headlines, after a review by the FCA (Financial Conduct Authority) revealed errors made by the payday loans company. Dollar is the second largest payday lender in the UK, and is the parent company behind The Money Shop. It also trades under the names of Payday UK, Payday Express, and Ladder Loans. Back in February this year, a review of customer calls showed that Dollar was approving loans for amounts higher than their own lending criteria would normally…
  • This month’s top ten money-saving articles

    Rachel
    16 Jul 2014 | 3:17 am
    You CAN grow vegetables without a garden! Are you looking to add some feng-shui to your wardrobe? Perhaps you’ve landed an amazing job but you’re wanting to give your old work clothes the sack. Or maybe you’ve been putting off your dreams of growing your own greens due to being deprived of a garden. Never fear! Your friendly neighbourhood thrift geeks here at MoneyAware have put together a smashing line up of money-saving articles from our favourite bloggers. So sit back, relax and let’s get started! 1. 15 ways to save money in the kitchen (Diary of a Frugal Family) There’s lots…
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    Free Money Wisdom

  • How To Stick To Your Budget

    Jon the Saver
    15 Jul 2014 | 12:02 pm
    The best-laid plans of mine and men often go astray, or so the saying goes. There’s a good reason why we have idioms like this, because they are largely based on truth and experience. Ask anyone who’s tried to save money regularly and they’ll tell you that despite the best intentions in the world, a badly-timed bill, rising living costs and just paying for everyday items can get in the way of saving. For example, according to the MYJAR infographic, the average Brit spends about £554 a year, per person on their holiday. It’s not a huge amount but break it down and you’ll have to be…
  • Five Core Money Principles for Better Money Management

    Jon the Saver
    14 Jul 2014 | 7:57 pm
    Your perspective about money speaks much of your capability to make the right decisions when it comes to money management. Many people find themselves in a financial mess, enormous debts and no retirement savings because they fail to live by the right principles when handling their finances. To become better at personal money management, there are basic principles that you need to keep in mind, and they are the following: Principle #1: Don’t Spend Beyond Your Means This is the central idea in effective personal finance management—to spend less than what you earn, and to strive to earn…
  • Real Tips to Improve Your Credit Score

    Site Manager
    2 Jul 2014 | 1:15 pm
    Your credit score is one of the most important numbers in your life. It determines your buying potential when it comes to getting credit and getting approved for loans. The better the score the better the interest rates on the loans. The information that’s on your credit report directly affects your credit score, so the only way to improve your score is to improve that report. Unfortunately, many people find that they have less than perfect credit. This could be due to bad decisions or happenstances that were outside of their control. No matter the reason, it is important to take steps to…
  • Back to School: The Right Degrees for Older Adults

    Jon the Saver
    17 Jun 2014 | 1:30 pm
    It can happen to the best of us. In a fast changing world, the degrees and skills that were in demand yesterday might not be worth a whole lot tomorrow. Globalization has been causing mass changes the labor market and it’s possible that you have found yourself laid off or downsized, and that you no longer have the right qualifications to land a good job. One option is to go back to school, but if you are an older adult, you should closely consider your options before investing the time and money it takes to secure a college degree. We certainly don’t want to discourage you from…
  • Are Futures a Good Alternative to Stocks?

    Jon the Saver
    10 Jun 2014 | 11:12 am
    Let’s say you want to invest, but you aren’t comfortable with stocks, or are looking to diversify your portfolio. No one would blame you. On one hand, learning the ins and outs of each stock before you invest can be difficult. On the other hand, having a diversified portfolio is always a smart idea. One great way to diversify your portfolio and to expand your horizons beyond stocks is to invest in “futures.” So, what are futures and how do they work? Futures generally involve the purchase of commodities, which can be anything from corn to oil. This type of product is…
 
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    Help Me To Save

  • Making the Most of Sainsbury’s Double Up Nectar Reward

    Karen Bryan
    22 Jul 2014 | 11:06 pm
    With a Sainsbury’s Double Up Nectar Rewards’ loyalty card promotion running from today until  12 August 2014, here are my tips for making the most of this offer. During the Double Up promotions  you can exchange your points for vouchers to double the value of your points. However, this is only for purchases of some […]Making the Most of Sainsbury’s Double Up Nectar RewardHow to save money. Copyrighted content published on Help Me To Save.
  • Making a Best Offer on eBay

    Karen Bryan
    20 Jul 2014 | 11:26 pm
    I spotted a Simply Mobile Broadband 50GB Data Sim, valid for 12 months, on ebay. Although £79 was a great price for 50 GB of data, I thought I’d see if I could save some more money by making a ‘Best Offer’. This was my first attempt at making a ‘Best Offer’ on ebay. I […]Making a Best Offer on eBayHow to save money. Copyrighted content published on Help Me To Save.
  • 8 Free Things to Do in Edinburgh

    Karen Bryan
    18 Jul 2014 | 12:03 am
    The beautiful Scottish capital of Edinburgh is one of the reasons why you should visit Scotland. The city is easily accessible by train, bus, plane and coach. If travelling cheaply there is a priority, the GoEuro travel planner tool allows you to compare all the different modes of transport by time and cost for journeys […]8 Free Things to Do in EdinburghHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #85

    Karen Bryan
    16 Jul 2014 | 11:02 pm
    The My Money Podcast #85 summarises the article below. listen to ‘My Money Podcast: #85: Recent Articles Roundup’ on Audioboo Subscribe to the My Money Podcast from Help Me To Save in iTunes Tesco Bank Internet Saver – Paying 1.35% interest with unlimited withdrawals, the Tesco Bank Internet Saver, is one of the top paying […]My Money Podcast #85How to save money. Copyrighted content published on Help Me To Save.
  • Tips on Turning the Dream of Early Retirement into a Reality

    Karen Bryan
    15 Jul 2014 | 11:02 pm
    As life expectancy increases, the age at which you can claim your UK state pension is rising. Already, the last women to receive a state pension at 60 have already done so; both men and women in their early 50s can expect to receive their pension at age 67; and anybody in their 20s and […]Tips on Turning the Dream of Early Retirement into a RealityHow to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Traveler’s Check Use Declines as Cards Replace Cash Standby

    claire
    24 Jul 2014 | 11:51 am
    Traveler’s checks were once hailed as a convenient method of payment that vacationers  shouldn’t leave home without. Favored for their security, these drafts were frequently used by people who wanted a safe way to carry their money to make purchases on international and domestic trips. Now, most major banks and credit unions no longer issue them, and they’re increasingly difficult to use, as consumers turn to credit and debit cards instead. Traveler’s Checks 101 A traveler’s check can be used like cash. To get one, you pay a certain amount to the issuer, to cover the check…
  • What Adding 100 Points to Your Credit Score Could Mean

    lindsay
    24 Jul 2014 | 10:51 am
    Credit scoring can feel like an abstract concept. It’s tough to think in concrete terms about how a few points can impact your ability to get a loan or a credit card. For example, what could adding 100 points to your credit score actually mean to your finances? If you’re not sure, take a look at the details below – you might be surprised at what you find! How does credit scoring work? Before discussing the impact of tacking points onto your score, let’s take a minute to review how credit scoring works. Your FICO score (the most commonly used credit score in the United States) uses a…
  • Mortgage Relief Scams Target Desperate Homeowners, Agencies Warn

    Steve Nicastro
    24 Jul 2014 | 9:53 am
    Federal and state authorities are cracking down on mortgage relief scams that prey on desperate homeowners by promising to help stave off foreclosure while collecting illegal upfront fees and often failing to deliver any relief. Homeowners paid more than $25 million to companies that offered to engineer home-loan modifications in exchange for advance payments, a violation of federal law, the U.S. Consumer Financial Protection Bureau said yesterday. The agency brought charges against three such operations, while the Federal Trade Commission and authorities in 15 states took similar actions…
  • How to Get Over the Minimum Payment Slump

    erin
    24 Jul 2014 | 7:00 am
    We’re total number nerds here at NerdWallet! But some people aren’t quite as infatuated with math. Case in point: A study by a Boston College marketing researcher showed that telling consumers how much interest they were incurring by only making the minimum payment on their credit cards didn’t affect their payment amounts. If you’re stuck in the minimum payment hamster wheel, here’s how to get off it. Increase your payment to lower your monthly costs and simplify your finances If you only make the minimum payment, you’ll be in credit card debt for years. Aside from accumulating…
  • What Are the Minimum Data Points to Establish a FICO Score?

    lindsay
    24 Jul 2014 | 6:00 am
    Having a FICO score is essential to getting credit for the rest of your life. But what are the minimum data points you must have in order to actually generate a FICO score, since we don’t come with one at birth? There are only a few data points necessary to establish a FICO score, and there are several ways to put those data points onto the radar of the credit bureaus. After all, to get credit, you have to establish credit. Here’s how: Establishing a FICO score: Data point No. 1 The first data point is having one – just one – credit account that has been opened for six months or…
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    Card Hub

  • Ask The Experts: Tips for Turning Summer Break Into A Brighter Future

    John Kiernan
    23 Jul 2014 | 9:00 am
    Whether you’re prone to believing that kids should just be kids for as long as possible or that they should get off their spoiled butts and start pulling their own weight, the financial tumult we’ve endured in recent years has made clear how important it is to start sowing the seeds of a successful financial future early. We saw a 23-year-high unemployment rate in October 2009 (10.0%), at which time 15.7 million people were out of work in the United States.  We saw more than 1 out of 10 credit card users fall so far behind on their bills during the first half of 2010, that banks legally…
  • Prepaid Cards Report – 2014

    Alina Comoreanu
    22 Jul 2014 | 5:19 am
    Increasingly consumers are turning away from traditional checking accounts towards alternative cash management tools including prepaid cards. According to the Nilson Report, “the top 50 largest US Banks and credit union issuers of general purpose prepaid cards accounted for $118.09 billion in spending at merchants in 2013, up 6.1% from 2012”. And according to Mercator Advisory Group Inc., the amount of money loaded on general purpose reloadable prepaid debit cards almost tripled from 2008 to 2012, rising to $76.7 billion. Mercator predicts that number will rise to $168.4 billion by 2015.
  • 2014 Credit Card Landscape Report

    John Kiernan
    15 Jul 2014 | 6:00 am
      CardHub’s quarterly credit card landscape reports take the pulse of interest rates, rewards and fees across the credit card market. This analysis unearths market trends of great significance to consumer sentiment, banking industry operations, and our overall economic stability and can be leveraged by consumers and industry professionals alike.     Q1 Main Findings Q2 Main Findings Data & Graphs Other Years’ Reports Q1 Main Findings Interest Rates Credit card interest rates were higher across the board during the first three months of 2014 relative to the same period last year –…
  • 2014 Credit Card Travel Insurance Report

    Alina Comoreanu
    7 Jul 2014 | 5:03 am
    Leisure travel represents a significant investment for consumers in terms of both time and money, so it’s no surprise that folks are interested in protecting their precious resources. But given that travel insurance packages typically cost 4% to 8% of the price of a trip, most of us seem content rolling the dice. While illness and natural disasters interfere with the travel plans of 1 in 6 Americans, according to the U.S. Travel Insurance Association, only 22% of those affected have travel insurance. Whether you believe this reflects a lack of financial literacy, the idea that travel…
  • 2014 Credit Card Auto Rental Insurance Report

    Alina Comoreanu
    25 Jun 2014 | 6:00 am
    When most people think of credit card perks, their minds turn to rewards, low interest rates and the like. However, credit cards naturally provide a number of far-reaching standard benefits that help protect cardholders from both monetary loss and unnecessary hassle. One of these benefits is car rental collision protection, which is primarily driven by the card network and not the card issuer. To provide context, roughly 20% of consumers always purchase supplemental insurance coverage when renting a car, according to a study from Progressive Insurance, and another 20% do so on occasion.
 
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    Forex Research Blog

  • EURJPY: Triggers Recovery, Eyes More Strength

    FXTechstrategy Team
    24 Jul 2014 | 3:17 am
    EURJPY- With a temporary bottom formed and recovery higher triggered, further strength is now envisaged. On the upside, resistance resides at the 137.50 level where a break if seen will threaten further upside towards the 1.38.00. Further out, resistance resides at the 139.27 level where a break will aim at the 140.00. We may see a breather here but if that fails, further gains could follow towards the 140.50 level. Support comes in at the 136.50 level where a breach will target the 136.00 level. A turn below here will aim at the 135.50 level where a violation if seen will aim at the 135.00…
  • EURUSD: Risk Points Higher On Recovery

    FXTechstrategy Team
    21 Jul 2014 | 7:04 pm
    EURUSD: Despite its price hesitation on Monday, further upside is expected in the days ahead. Support lies at the 1.3500 level where a break will expose the 1.3450 level. Below here will pave the way for a move lower towards the 1.3400 level. If this continues, expect further downside to occur towards the 1.3350 level. Its weekly RSI is bearish and pointing lower supporting this view. On the upside, resistance lies at the 1.3650 level, its psycho level followed by the 1.3700 level. Further out, resistance comes in at the 1.3750 level followed by the 1.3800 level. All in all, EUR remains…
  • GOLD: Pressure Builds On The Downside.

    FXTechstrategy Team
    20 Jul 2014 | 3:01 pm
    GOLD: With GOLD taking back its previous week gains to close lower, further downside is likely in the days ahead. Further down, support comes in at the 1,292 level where a break will aim at the 1,257.68 level followed by the 1,240.00 level. Its weekly RSI is bearish and pointing lower supporting this view. On the upside, resistance resides at the 1,330.00 level where a breach will aim at the 1,345.90 level. A cut through here will extend gains towards the 1,360.30 level. A violation will aim at the 1,380.00 level. Its daily RSI is bullish and pointing lower supporting this view. All in all,…
  • EURUSD: Prints Negative Candle, Risk Builds On The Upside

    FXTechstrategy Team
    20 Jul 2014 | 5:38 am
    EURUSD: Though closing lower the past week, the pair ability to reject downside price and print a rejection candle is suggestive of a recovery higher. Support lies at the 1.3490 level where a break will expose the 1.3450 level. Below here will pave the way for a move lower towards the 1.3400 level. If this continues, expect further downside to occur towards the 1.3350 level. Its weekly RSI is bearish and pointing lower supporting this view. On the upside, resistance lies at the 1.3650 level, its psycho level followed by the 1.3700 level. Further out, resistance comes in at the 1.3750 level…
  • USDCHF: Rallies, Eyes Further Upside.

    FXTechstrategy Team
    19 Jul 2014 | 6:12 am
    USDCHF: With a strong rally occurring the past week, further bullishness is expected in the new week. On the upside, resistance resides at the 0.9000 level where a break will aim at the 0.9050 level. Further out, a break will retarget the 0.9100 level where breather may occur and turn the pair lower but if broken it will turn focus on the 0.9150 level. On the downside, support lies at the 0.8950 level. A cut through here will target the 0.8900 level where a violation will open the door for more weakness towards the 0.8850 level. A turn below here will set the stage for a run at the 0.8800…
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    CreditDonkey

  • Study: Best Place to Buy Tires Online

    23 Jul 2014 | 12:00 am
    It’s that time again. No, it’s not time to go to the dentist, but it is time for new tires. We are talking not just about new tires, but good tires. Good tires that will ensure your dream car has that added touch, or your in-between junker makes it from your home to point B (whether that’s the mountains, your job, or your kids’ school).
  • Study: Best Student Loans: Stafford vs Perkins vs Plus

    21 Jul 2014 | 12:00 am
    What to do after high school is one of the biggest decisions a student has to make. Many factors go into deciding which school to attend and which major to pursue. While those choices can reverberate for many years, an equally weighty decision involves how you’re going to pay for all of it.
  • Best Time to Buy a Used Car

    18 Jul 2014 | 12:00 am
    Buying a car is a huge purchase, so you want to make sure you’re getting the very best deal possible. When you’re convinced that a used car makes the most sense (after all, the value of new car shrinks significantly once you drive off the lot), keep your savvy spending streak alive even further by making your purchase only during certain times of the year.
  • Best Roth IRA Providers

    16 Jul 2014 | 12:00 am
    For first-time investors, or young people just starting out, opening a Roth IRA is one of the best money moves you can make. A Roth IRA (Individual Retirement Account) is an easy way to start building your wealth by taking advantage of tax savings that keep the government away from your earnings. Of course, there are rules that must be followed, but once you get going, you’ll find that opening and maintaining a Roth IRA isn’t much different (or harder) than what you do with a checking or ...
  • Study: Best Place to Buy Furniture

    14 Jul 2014 | 12:00 am
    There’s nothing practical about buying furniture. You have to measure your space, shop around for the look you want and the color you’re after, and then you either have to hope that the piece you’re buying will fit in your car or that you can borrow a friend’s truck. Or pay a hefty delivery fee. And then you have to wait for the delivery.
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    Rhonda Sherwood

  • Generation Y: Tips for Helping Your Kids and Grandkids Survive Financially

    Rhonda Sherwood
    21 Jul 2014 | 1:08 pm
    If it seems that there is a constant stream of negative press surrounding Generation Y’s abilities to financially survive in today’s economy, you’re right. They have extraordinarily high tuition fees that continue to climb at a steady pace, home prices in the lower mainland are pretty much unaffordable for most people and retirement – well that will most likely be a thing of the past by the time your kids or grandkids reach age 65. Things do look pretty bleak for Gen Y. There are some things you can do to help your kids and grandkids survive financially. Plan Now to Help Your Kids and…
  • Are you and your Spouse Financially Compatible?

    Rhonda Sherwood
    14 Jul 2014 | 1:47 pm
    Merging two lives through marriage is one of the challenges of taking this step in your relationship. It can create a strain on even the strongest bond, especially if finances were not brought up before you said, “I do.” Ideally, both of you should have discussed your goals and expectations about money well in advance to determine whether you were financially compatible long before you took your vows. It’s never too late to try to understand your partner’s feelings about money and how they fit in with yours, though. Find Out Whether You are Financially Compatible The following quiz…
  • 5 Tips for Living in the Sandwich Generation

    Rhonda Sherwood
    7 Jul 2014 | 1:21 pm
      If you’re in a situation where you are caring for your aging parents while raising your own family, you are living in the Sandwich Generation. Hundreds of thousands of other people are feeling the squeeze of offering financial and emotional support to their parents while trying not to feel as though they are shortchanging their own children. When you add in your own work and financial planning matters, living in the sandwich generation becomes even more complicated. Living in the Sandwich Generation: How to Make it Work 1. Make sure you understand your financial picture. Before you…
  • Do you Have a Financial Plan for the Two Phases of Retirement?

    Rhonda Sherwood
    30 Jun 2014 | 2:23 pm
    When you make the change in lifestyle to retired person, you will hopefully enjoy many years of active living. While it would be wonderful if we could enjoy this state throughout retirement, Mother Nature has other plans. Most of us can look forward to about 10 or 15 years of active living and then we will gradually start to slow down. Health concerns may start to become more apparent. This phase of retirement is different from active retirement living. Ideally, you want to plan for the two phases of retirement. Plan for Two Phases of Retirement When we are planning for retirement for these…
  • Consider Selling Your House to Finance a Comfortable Retirement

    Rhonda Sherwood
    23 Jun 2014 | 8:09 pm
    If you are like a number of Canadians who are at or close to retirement age, a significant portion of your net worth is probably tied up in your home. For many of us, owning our own home is a symbol of success and security. We remember the first house we bought, the years of forced saving which came with making regular mortgage payments. Once the mortgage was paid off, we appreciated the increased cash flow. Does it make sense to consider selling your house to finance a comfortable retirement? How to Finance a Comfortable Retirement: Three Scenarios If you are a homeowner approaching…
 
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    Recent Blog Posts

  • Reaffirming Personal Property Other Than Your Vehicle

    20 Jul 2014 | 11:29 pm
    I've written here recently about how to keep your vehicle that you owe money on when filing a Chapter 7 "straight bankruptcy" case. See my previous blog posts Reaffirming Your Vehicle in a Chapter 7 and Do I Have to Reaffirm My Vehicle in California? But what about other kinds of personal property—furniture, appliances, electronics—that are collateral on a debt? How do you keep those kinds of collateral if you file a Chapter 7 case? WHAT DIFFERENCE DOES IT MAKE IF YOUR PERSONAL PROPERTY IS LEGALLY COLLATERAL ON A DEBT? Outside bankruptcy, and especially in a…
  • Paying Less For Your Vehicle In A Chapter 13 Cramdown

    7 Jul 2014 | 6:03 pm
    A Chapter 13 bankruptcy allows you to pay less for your vehicle by cramming down the value of your vehicle to the fair market value. HOW DOES "CRAMDOWN" IN A CHAPTER 13 WORK? If you owe more on your vehicle than it is worth, AND IF you got your vehicle loan more than 910 days (about 2 and a half years) before your Chapter 13 case is filed, you: 1. can usually pay less for your vehicle than your contract would have required; 2. can usually lower your monthly payments, sometimes very significantly; 3. do not need to catch up on any late monthly payments; 4. can usually reduce the…
  • Do I Have to File Personal or Business Bankruptcy?

    22 Jun 2014 | 9:57 pm
    Whether you or your business needs to file for bankruptcy is not always clear cut? There are a number of factors that can affect whether you or your business should file for bankruptcy. These include the business form, liability for business debts, and assets owned. So it's certainly understandable that there is much misunderstanding as to what type of bankruptcy you should file. One of the main areas of misunderstanding involves the most important benefit of bankruptcy, the discharge of debts. More specifically what debts get discharged in a business bankruptcy and which do not? WHY IS…
  • Can You Discharge An SBA Loan in Bankruptcy?

    13 Jun 2014 | 7:13 pm
    Yes, SBA loans can be discharged just like any other business loan. (This assumes that the loan was not incurred fraudulently, for example, through misrepresentations on the credit application; if so there may be a risk that the discharge would be challenged.) The Small Business Administration is a federal agency which helps small business owners get necessary financing by guaranteeing business loans. People sometimes think that because these are government-based loans, they can't be discharged in bankruptcy. That's not true. There is nothing in the bankruptcy code that makes a debt…
  • How to Keep Your Tax Refund In a Chapter 13 Bankruptcy?

    8 Jun 2014 | 9:23 am
    If you are anticipating a tax refund in a Chapter 13 bankruptcy, is there a way to keep this refund for unexpected expenses? In a Chapter 13 bankruptcy you are pledging all of your disposable income into the plan and generally do not have a cushion for unexpected expenses. Tax refunds are generally considered disposable income that must be pledged into your Chapter 13 plan. How then do you keep any tax refund that you may need for unforeseen expenses. Below we detail how your Chapter 13 plan deals with your refund and what you can do to keep your refund. DO YOU HAVE TO SURRENDER A PENDING TAX…
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    The Penny Hoarder

  • 6 Ways to Earn Frequent Flyer Miles Without Signing Up for Credit Cards

    Susan Shain
    24 Jul 2014 | 3:00 am
    Maybe you dream of going on an exotic vacation to Paris or Fiji — or maybe you just don’t want to pay an arm and a leg every time you visit your out-of-state in-laws. Whatever it is, you’re looking for a way to travel for free. You’ve heard of these mystical “frequent flyer miles,” but you don’t want to have to sign up for a bunch of credit cards to get them. What’s a wannabe travel hacker to do? Take heart: you can earn frequent flyer miles without signing up for credit cards. You just have to know where to look. Before we get started, though, here’s one important tip:…
  • How I Made $1,500 Collecting Soda Cans at Work

    Steve Gillman
    23 Jul 2014 | 10:00 am
    We’ve talked before about selling wine bottles and corks to make money, but what about soft drink and beer cans and bottles? Yes, you can make money with those as well! Let me tell you a true story… When I worked in a Michigan casino, we had a soda machine in the break room. Blackjack dealers get a 15-minute break every hour, so it was a well-used machine. Every hour on my break, I gathered the empty cans and plastic bottles left on the tables and plucked them from the top of the trash can. I rinsed them in the break room sink and put them in plastic grocery bags, 25 in each bag. I…
  • Beauty on a Budget: 7 Smart Ways to Save Money on Makeup and Hair Products

    Angie Nelson
    23 Jul 2014 | 3:00 am
    “I believe in manicures. I believe in overdressing. I believe in primping at leisure and wearing lipstick. I believe that tomorrow is another day, and… I believe in miracles.” — Audrey Hepburn Hear, hear, Audrey! I agree that every woman should feel beautiful, but I also believe that beauty shouldn’t break the bank. After all, those manicures and luxury lipsticks can sure add up over time, and fitting beauty into your budget shouldn’t require a miracle. Here are a few ways I save money on hair, makeup and personal care products. 1. Look Outside of Brand Names Most beauty…
  • Want to Get Paid to Drive Your Car? Throw a Moustache on the Front

    Sara Frandina
    22 Jul 2014 | 3:00 am
    You probably spend a fair amount of money on your car, between insurance, gas and maintenance. Why can’t it pay for some of its keep? In the past few months, we’ve shared details on using services like Relay Rides and Getaround to make money from your car. But those options aren’t a good fit for everyone: many car owners don’t fancy the idea of handing the keys over to a stranger. If that sounds like you, don’t fret; the growing popularity of ridesharing companies means you have the potential to make good money behind the wheel of your car. These transportation alternatives,…
  • Everything is Negotiable: 4 Simple Strategies for Getting Awesome Deals

    Steve Gillman
    21 Jul 2014 | 10:00 am
    We’ve talked before about how you can negotiate for everything, but in practice, it’s often challenging to ask for a discount on an established price. I decided to test this theory: could I get a discount in a bookstore, where all books have a set cover price? The short answer: yes. I negotiated 40% off a new book! Here’s how I was able to get this deal, and how you can put the same strategies to work to negotiate your way to big savings. Can You Negotiate in a Bookstore? A Case Study While visiting a bookstore with friends, I noticed a book I wanted — but I didn’t want to…
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    Bay Area Planners Blog

  • How big a problem is student debt?

    admin
    11 Jul 2014 | 11:15 am
    The level of student debt is getting a lot of press these days and is even the subject of the new movie “Ivory Tower”. The total amount of debt outstanding is an incomprehensible amount to most people – over one trillion dollars! Part of the reason for this is that […]
  • Will your student rack up debt?

    admin
    21 May 2012 | 11:08 am
    There’s a lively debate going on about the value of higher education. This is prompted by increasing tuition costs, the withdrawal of state funding, and the recognition that something needs to be done about dismal graduation rates. One highly visible outcome of these adverse trends is the explosion in student […]
  • Student loans are OK up to a point

    admin
    30 Apr 2012 | 12:55 pm
    Student loans are OK up to a point – that being the point at which they become unsupportable by the student. Obviously, graduating with no debt is preferable, but I maintain that the student taking the federal Stafford loan is a reasonable part of how to pay for college. The […]
  • Latest News on Financial Aid

    admin
    14 Mar 2012 | 11:50 am
    Two quick notes, one a change in aid that happened, the other a change that didn’t. First, Congress approved a reduction in the income level needed for a zero EFC to $23,000. This means families with incomes between $23,000 and $31,000 will no longer automatically receive a Zero EFC, though […]
  • California Admissions Update

    admin
    14 Mar 2012 | 11:49 am
    Latest numbers are that sixteen of the twenty three CSU campuses are now impacted (up from eleven in 2010-11). Freshman applications to the UC system are up an incredible 19% this year. The UC’s will deliver decisions on Freshman by end March, transfer students by end April, and wait-listed students […]
 
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    Don't Go Alone: Your Freedoms and the Law

  • Owning an SBR - Part 1: Finding the right SBR for me.

    Justin Kelsey
    23 Jul 2014 | 12:52 pm
    The National Firearms Act of 1934, in conjunction with Title II of the Gun Control Act of 1986 (codified at Title 26 United States Code, Chapter 53, Internal Revenue Code) ("NFA") regulates the ownership of certain firearms, including, Short Barrel Rifles ("SBR"), Short Barrel Shotguns, Machine Guns, Destructive Devices, Suppressors and AOW's (Any Other Weapon). A Short Barrel Rifle is defined as any rifle having barrel length of under 16 inches, as measured from the face of the closed bolt to the muzzle, and/or having an overall length of under 26 inches.  This is the story of how and…
  • What are the Restrictions on a Massachusetts Dealer Selling a Handgun?

    Justin Kelsey
    26 Jun 2014 | 9:38 am
    Before a licensed dealer in Massachusetts can transfer a handgun they have to answer four questions:1. Is the buyer a Massachusetts resident or a federally licensed dealer in another state?2. Does the buyer have a License to Carry, Class A, Large Capacity?3. Did the buyer pass the NICS background check, if required?4. . Is the handgun “Mass Complaint?” (i.e. listed on the EOPSS Approved Firearms Roster and compliant with the Attorney General's regulations)If the answer to all of these questions is "yes", then the handgun transfer is legal in Massachusetts.  However, if the answer to…
  • Rumors and Lies: How does a Law Abiding Resident Determine if a Firearm is Legal to Purchase in Massachusetts?

    Justin Kelsey
    10 Jun 2014 | 10:00 am
    On April 27, 2014, @MassGov, the official Twitter account of the Commonwealth of Massachusetts, posted the following:“Before purchasing a firearm, make sure it is on the roster of ones approved in #MA. [Link is a #PDF] ow.ly/wa78k”This tweet is both a misstatement of the law, and misleading to lawful gun owners in Massachusetts. The link contained in the Twitter post takes you to to the “Commonwealth of Massachusetts Executive Office of Public Safety and Security Approved Firearms Roster”, often referred to as “the EOPSS Roster”.  We’d like to take this opportunity to…
  • Are You on the List? What Makes a Handgun "Mass Compliant?"

    Justin Kelsey
    10 Jun 2014 | 5:45 am
    There are two lists in Massachusetts that determine whether a handgun is legal to be sold or transferred by a Massachusetts dealer to a Massachusetts resident.  But one of the lists is apparently a secret.The First List: the EOPPS Roster:The “Commonwealth of Massachusetts Executive Office of Public Safety and Security Approved Firearms Roster”, often referred to as “the EOPSS Roster” or the “Approved Firearms Roster” is a list of handguns which have met certain statutory criteria governing the manufacture and sale of handguns to be sold in Massachusetts.  The criteria…
  • Bankruptcy Filing Fees Increase on June 1, 2014

    Kelsey &amp; Trask, P.C.
    22 Apr 2014 | 1:12 pm
    The Bankruptcy court currently charges $306 in total fees to file for Chapter 7 Bankruptcy, and $281 in total fees for Chapter 13 Bankruptcy.  These fees include the filing fee, administrative fee and a trustee surcharge. A notice was just sent that the Bankruptcy court filing fees are increasing as of June 1, 2014. After June 1, 2014, the Bankruptcy Court will charge the following fees to file for Chapter 7 Bankruptcy:Filing Fee of $335.00, plusAdministrative Fee of $46.00, plusTrustee Surcharge of $15.00TOTAL FILING FEE: $396.00After June 1, 2014, the Bankruptcy Court…
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    Consumer Help Central

  • Private Student Loan Default Rewards May Be Worth The Risk

    Jay Fleischman
    21 Jul 2014 | 12:00 am
    When you’re looking at a significant private student loan debt, your options are limits to two – pay or don’t pay. If you can afford to make the payments, you should do so as quickly as possible. The faster those private student loans are paid in full, the less you’ll wind up paying in interest charges. But fail to make payments and you’ll find that there’s no help for you. Federal student loan programs such as income base repayment, Pay As You Earn, and rehabilitation simply don’t exist. In fact, there’s no legal difference between a private…
  • How To Calculate Your Federal Student Loan IBR Payment Amount

    Jay Fleischman
    18 Jul 2014 | 12:00 am
    Student loan lawyers love IBR, or income-based repayment. When it comes to federal student loans, nothing provides more flexibility than a repayment plan tailored to your ever-changing income. Made less money last year? No worries, your federal student loan payment will go down. An income rebound means the payments will rise, but never more than the standard 10-year repayment amount. Even better is the fact that your unpaid balance is discharged after 25 years of payments (less if you qualify for Public Service Loan Forgiveness). There are a number of online calculators out there, but the…
  • What To Do With Those Corinthian Colleges Student Loans

    Jay Fleischman
    3 Jul 2014 | 12:30 pm
    Corinthian Colleges, a for-profit institution with 72,000 students spread over 100 campuses, is closing down. If you have student loans for your education at Corinthian Colleges, you may find that relief isn’t too far off. One of the largest for-profit colleges in the nation, Corinthian Colleges owns the following colleges: Everest College Everest College of Business, Technology and Health Care (Canada) Everest Institute Everest University Everest University Everest College WyoTech Heald College QuickStart Intelligence The company has been the subject of multiple investigations in…
  • When Does Student Loan Default Occur?

    Jay Fleischman
    30 Jun 2014 | 9:40 am
    If you fall behind on your student loan, you may not be in default. The answer depends on whether the student loan is federal or private. But first, you need to understand the concept of default. What Is Default? A default is, technically speaking, a failure to meet the legal obligations of a loan. The simplest type of default occurs when you fail to make your payments on time. But default can technically happen if there’s any obligation whatsoever in a loan agreement that you fail to make. For example, mortgage loans may require you to maintain homeowners’ insurance. Fail to keep…
  • Why Bankruptcy May Be The Answer To Your Student Loan Problems

    Jay Fleischman
    25 Jun 2014 | 3:00 am
    If you’re in over your head with student loans, chances are you’re getting desperate. You’ve seen the ads claiming that there are ways to get your student loans forgiven, and that new programs exist to help you. But when you make a phone call, you find out that it’s the same old bait-and-switch maneuver that won’t get you anywhere. You know it’s an uphill battle to wipe out student loans in bankruptcy, but maybe … just maybe … your claim of undue hardship will prevail. Tell the judge your story, beg for mercy, and maybe it will work. But then…
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    Musings of a Money Manager | The Personal Blog of John Rothe

  • Knee Jerk Reaction… Or Something More?

    John Rothe
    18 Jul 2014 | 8:04 am
    Yesterday, as news of Malyasia flight MH17 possibly being shot down, combined with the news of escalating offensive maneuvers in Gaza, caused the VIX (aka the fear gauge) to jump a whopping 37%. After months of very low volatility in the market, is this the beginning of a reversal in trend — or just a knee jerk reaction to recent geopolitical news? Markets Over Extended? A Point and Figure chart of the S&P 500 shows the recent run up in stock prices. The markets at this level do look a bit extended and ready to enter a phase of consolidation. However, I think this will be another…
  • Some Quick Thoughts On The Market

    John Rothe
    30 Jun 2014 | 9:06 am
    Despite worries about the price decline in small cap stocks earlier this year and a poor 1st quarter GDP report, the equity markets are still continuing to rise in an orderly fashion. S&P 500 – Still Trending The S&P 500 index’s upward trend from its February low still remains in place. At this point, the price action is reflecting calm and orderly market behavior from investors. Volatility still remains very, very low as investors seem to be hoping that continued mixed economic data reports will keep the Fed’s monetary policy in action for longer than expected.
  • Will Rising Oil Prices Delay The Fed?

    John Rothe
    16 Jun 2014 | 8:31 am
    The escalating conflicting in Iraq has global investors worried that oil prices will continue to rise into the summer travel season. Will rising oil prices delay the Fed, or worse, impact growth for the remainder of 2014? Tensions In Iraq Oil prices have started to rise aggressively since militants led by ISIS – the Islamic State in Iraq and the Levant – captured key cities including Mosul and Tikrit last week.  Reports from the UN of “major human rights violations” has many worrying that this is the start of another long term conflict. Headlines…
  • Retirement Plan Advisors: Should I Use An Investment Advisor For My 401k Plan?

    John Rothe
    9 Jun 2014 | 3:11 pm
    Should 401k participants use retirement plan advisors – or go at it solo? A study on 401k participants  and retirement plan advisors working together should be revisited in today’s market by both investment advisors and retirement plan participants. The study was conducted by Aon Hewitt and Financial Engines, titled:  Help in Defined Contribution Plans: 2006 Through 2010. Survey Results: Majority Are NOT Using Retirement Plan Advisors The study surveyed eight, large 401k plans comprising more than 425,000 participants, and $25 billion in assets during a five year period –…
  • Global Investment Management | Global Allocation June 2014

    John Rothe
    4 Jun 2014 | 8:21 am
    Global Investment Management update for June 2014 – Changes to our Global Asset Allocation Strategy Below is an update to our global asset allocation strategy and a few highlights from our global investment management research. This investment strategy uses global relative strength and momentum to invest in a prescreened ETF universe. For a detailed overview of the strategy, please see:  A Better Global Asset Allocation Strategy? Global Investment Management Strategy - May 2014 Performance Once again, Spain is outperforming the competition. The iShares MSCI Spain Index…
 
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    Thirty Six Months

  • Top 4 finance jobs for your future

    Marissa Anwar
    22 Jul 2014 | 10:55 am
    There’s an awkward moment in every university graduate’s life. It’ll usually happen on graduation day. As you clutch your degree like a lover, a relative or close friend will approach you and, motioning towards your new qualification, ask, “So what are you going to do with that, then?” And you’ll be stumped, stammering worse than a teenage boy trying to speak to a girl he fancies. But if that degree you’re clutching is in finance, here are a few occupations you can consider for your future. Tax For a truly taxing position, you could do worse than move into the world of tax. With…
  • 5 Things You Need To Know Before Getting Car Insurance

    Marissa Anwar
    19 Jul 2014 | 4:43 pm
    Ah, car insurance! My most dreaded monthly expense. I’ve been very honest in sharing my mistakes when it comes to getting tickets, and racking up my rates to a point where it’s taking me years to bring it down. I’ve also raved about how awesome my insurance broker is, and how having one that you trust, and who knows your driving history/patterns is a a benefit. However, not everyone is in my shoes, and most have excellent, or good driving records, and just to need to find a company that treats them well, and works for them. So, are you in the market for car insurance?
  • Ten Things I Wish I Knew Before I Started Blogging

    Marissa Anwar
    15 Jul 2014 | 9:01 pm
    It’s been more than 3 years since I started writing here. The site layout has changed, part of the focus has changed, and thankfully I am no longer in debt. Yes, three years is a really long time to keep putting your thoughts out on the internet and hope that people will read it. I started out as an anonymous blogger because sharing the details of my  finances wasn’t the most comfortable feeling. I also didn’t know anyone else who blogged, so it was a little hard having that discussion with others at the beginning. That being said, it wasn’t hard getting here, I…
  • What is a Credit Union? Uncovering the Financial Institution Alternative

    Marissa Anwar
    14 Jul 2014 | 6:15 am
    The following part one for the credit union series is from Melissa, the newest contributor to Thirty Six Months, and a lifestyle PR professional in Toronto. You can find more from her at the Domestic Peach.  She’s on a mission to find out if a credit union is right for her.    After a few years of settling into the professional working world, paying off educational debts and starting to be a regular saver with every pay cheque, many young professionals start making a point of learning more about financial institution services. As hard working individuals in our 20s and 30s, we…
  • Holidays With The Girls

    Marissa Anwar
    9 Jul 2014 | 12:11 am
    A holiday with friends is a must for any friend group. They provide laughter, tears – a whole lot of tears – and best of all, lasting memories. Now Hollywood obviously works in hyperboles and any Hollywood film about girls holidaying is of course taken to the extreme, but, you do find a lot out about yourself and your friends when abroad. Seven days is all you need for an adventure so make sure you embark on one with your friends before boyfriends turn into fiancés. Below are an array of destinations that you and your mates could travel to for a unique and more importantly brilliant…
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    Thirty Six Months

  • Top 4 finance jobs for your future

    Marissa Anwar
    22 Jul 2014 | 10:55 am
    There’s an awkward moment in every university graduate’s life. It’ll usually happen on graduation day. As you clutch your degree like a lover, a relative or close friend will approach you and, motioning towards your new qualification, ask, “So what are you going to do with that, then?” And you’ll be stumped, stammering worse than a teenage boy trying to speak to a girl he fancies. But if that degree you’re clutching is in finance, here are a few occupations you can consider for your future. Tax For a truly taxing position, you could do worse than move into the world of tax. With…
  • 5 Things You Need To Know Before Getting Car Insurance

    Marissa Anwar
    19 Jul 2014 | 4:43 pm
    Ah, car insurance! My most dreaded monthly expense. I’ve been very honest in sharing my mistakes when it comes to getting tickets, and racking up my rates to a point where it’s taking me years to bring it down. I’ve also raved about how awesome my insurance broker is, and how having one that you trust, and who knows your driving history/patterns is a a benefit. However, not everyone is in my shoes, and most have excellent, or good driving records, and just to need to find a company that treats them well, and works for them. So, are you in the market for car insurance?
  • Ten Things I Wish I Knew Before I Started Blogging

    Marissa Anwar
    15 Jul 2014 | 9:01 pm
    It’s been more than 3 years since I started writing here. The site layout has changed, part of the focus has changed, and thankfully I am no longer in debt. Yes, three years is a really long time to keep putting your thoughts out on the internet and hope that people will read it. I started out as an anonymous blogger because sharing the details of my  finances wasn’t the most comfortable feeling. I also didn’t know anyone else who blogged, so it was a little hard having that discussion with others at the beginning. That being said, it wasn’t hard getting here, I…
  • What is a Credit Union? Uncovering the Financial Institution Alternative

    Marissa Anwar
    14 Jul 2014 | 6:15 am
    The following part one for the credit union series is from Melissa, the newest contributor to Thirty Six Months, and a lifestyle PR professional in Toronto. You can find more from her at the Domestic Peach.  She’s on a mission to find out if a credit union is right for her.    After a few years of settling into the professional working world, paying off educational debts and starting to be a regular saver with every pay cheque, many young professionals start making a point of learning more about financial institution services. As hard working individuals in our 20s and 30s, we…
  • Holidays With The Girls

    Marissa Anwar
    9 Jul 2014 | 12:11 am
    A holiday with friends is a must for any friend group. They provide laughter, tears – a whole lot of tears – and best of all, lasting memories. Now Hollywood obviously works in hyperboles and any Hollywood film about girls holidaying is of course taken to the extreme, but, you do find a lot out about yourself and your friends when abroad. Seven days is all you need for an adventure so make sure you embark on one with your friends before boyfriends turn into fiancés. Below are an array of destinations that you and your mates could travel to for a unique and more importantly brilliant…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • How to Rebuild Your Credit After Bankruptcy

    Jason Steele
    24 Jul 2014 | 7:23 am
    Bankruptcy can be one of the most traumatic experiences that that anyone’s personal finances can endure. At the same time, bankruptcy can also represent a sort of re-birth of one’s financial history. Those who emerge from bankruptcy will have a very low credit score, but they can look forward to steady improvement so long as they turn over a new leaf and manage their finances responsibly. The first thing that everyone thinks when they emerge from bankruptcy is, “How am I going to re-establish my credit, if no one will give me a loan?” Thankfully, secured credit cards…
  • Does Income Impact Your Credit Score? Not Really, but it’s Complicated

    Tom Kerr
    22 Jul 2014 | 5:00 am
    There are lots of questions about whether or not income level is a component used to calculate credit scores. The short answer is that no, your income does not make up your credit score. Credit rating agencies closely guard their formulas for coming up with credit score numbers, but they would have to ask what your income is in order to know it, which they don’t. Take a look at what else doesn’t make up your credit score. A deeper look at the question reveals that income does, however, play a role – and usually a very significant one – when it comes to credit card approval and your…
  • Credit Cards in the News: July 12-18, 2014

    Chris Mettler
    18 Jul 2014 | 6:55 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 Credit Cards in the News: July 12-18, 2014. Bank of America Hit by Litigation Expenses Unlike Citigroup and JPMorgan, Bank of America has yet to settle a dispute with the Department of Justice over its handling of risky subprime mortgages. Despite Bank of…
  • Pottery Barn Credit Card Review

    Kari Luckett
    18 Jul 2014 | 4:00 am
    According to Lifehacker.com, some of the best items to buy during the month of July include furniture and home décor. These items tend to go on sale in order for merchants to clear out summer inventory to bring in their fall inventory. The Pottery Barn specializes in home furnishings for the entire home with a focus on comfort, quality, style, and of course, value. The Pottery Barn has locations all over the world so there will never be an issue finding one close enough to shop at. They also have a store credit card financed by Comenity Bank to help you save even more for those new…
  • Discover’s Limited-Time-Only $150 Cash Back Bonus Offer

    Tom Kerr
    16 Jul 2014 | 8:12 am
    Discover always seems to  have certain deals or offers going on that are exclusive to existing members or that can only be redeemed by applying through specific links, such as this offer that explains its “only valid for new applicants that use this link offer.” If you are a current Discover Card member, be alert for an email or letter that includes an offer for a special $150 cash back bonus between now and the end of the year. Discover is extending this interesting and potentially valuable promotion to many of its customers. By taking advantage of it you may be able to pocket an extra…
 
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    Feeds : dailyworth

  • Are You Committing Financial Infidelity?

    14 Jul 2014 | 9:00 pm
    It’s Time to Come Clean Several years ago, a friend of mine admitted she had a bank account her husband didn’t know about so that she could spend from her secret stash on the sly. And recently, an acquaintance who owns a luxury jewelry store revealed to me that some of her clients purchase the high-end gems with cash in order to keep their spouse in the dark about their indulgences.  These breaches of trust are surprisingly common: According to a recent survey by the National Endowment for Financial Education, one in three adults who have combined their money in a…
  • Meet 6 Entrepreneurs Who Are Changing the World

    10 Jul 2014 | 9:00 pm
    They’re on a Mission CEOs are frequently seen as profit-driven with a laser-beam focus on the bottom line. But many female entrepreneurs have another goal in mind: According to a University of Cincinnati study, women are more likely than men to use business as a vehicle for social and environmental change (while also making a profit, of course). That doesn't always mean disrupting an industry, but it does require rethinking the business of creating a business — examining not just how a company can function and make money most effectively, but what it can contribute to…
  • What Makes a Business Most Likely to Succeed?

    8 Jul 2014 | 9:00 pm
    Beat the Odds So, you say you want to start a business. What are its chances of survival? What types of businesses are voted “Most Likely To Succeed”? More importantly, what skills can you acquire to make sure your business is one of them? Creating a viable business model helps. But it's also important to stay on top of cash flow, says small business expert Mike Michalowicz, author of “Profit First: A Simple System to Transform Any Business From a Cash-Eating Monster to a Money-Making Machine.” He observes that the mismanagement of cash flow is a common…
  • 5 Ways to Use Social Media to Save Money

    7 Jul 2014 | 9:00 pm
    Save More If you’re active on social media, you’re constantly presented with opportunities to save, whether you've signed up for them or not. If you’re not careful, the exposure to deals and discounts — particularly those with rapidly closing windows — can trigger impulse purchases (that's why companies often pay to have them featured in your feed.) But social feeds can also be great tools for spending less if you manage them smartly. Here are five ways you can use Facebook, Twitter and Pinterest to save serious money. Chase Down Travel Deals on Twitter…
  • 4 Ways You May Be Unknowingly Hurting Your Credit

    7 Jul 2014 | 9:00 pm
    Tammy listed her son as an authorized user on one of her credit cards to help him build his credit history. When they checked his credit scores, however, Tammy saw the balance she was carrying on the card seemed to be hurting, not helping, his numbers. “It is showing up on his credit report with a high debt ratio as he has no card of his own,” Tammy wrote me. “Will it hurt his credit score to remove him as an authorized user from this card?  I don't want to cause any more damage.” Credit scoring formulas are complicated, and it’s pretty easy to…
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    Money Q&A

  • The Danger Of Buying A Home In A New Neighborhood

    Hank Coleman
    21 Jul 2014 | 4:00 am
    Buying a home in a new subdivision can be exciting. You’re often the first person to live in your home, and it likely will have many of the latest features and amenities. But there’s a danger too — one I know only too well. In 2009, my wife and I bought a new home in a new neighborhood. Today, with the developer still building more houses in the subdivision, we’re finding that we can’t easily sell it — at least, not without losing $20,000 or more in equity. We’ve learned the hard way that it’s incredibly tough to compete with the developer who…
  • If I Am Diabetic Can I Still Get Life Insurance?

    Hank Coleman
    16 Jul 2014 | 3:00 am
    As with any potential risk factor, the presence of diabetes will have an effect on decisions made by insurance providers.  If an applicant has any medical condition that makes the potential of having to pay out more likely it will factor in to any policy that is granted. This does not mean that if you have diabetes you cannot get life insurance but it may mean that the premiums you pay will be higher.  This is because of the higher risk involved.  There are some insurers who actually specialize in such high risk applications which makes it likely that they will be able to supply a policy.
  • How Much Does It Cost To Raise A Kid?

    Hank Coleman
    15 Jul 2014 | 6:47 pm
    How much does it cost to raise a kid? is an infographic that was produced by Gumtree © Coleman Financial, LLC - visit the Money Q & A for more great content. If you are not viewing this article in your RSS reader, it has been reproduced WITHOUT the author's permission. Be sure to follow Money Q & A on Twitter @MoneyQandA The post How Much Does It Cost To Raise A Kid? appeared first on Money Q&A.
  • How To Trick Yourself Into Saving Money Everyday

    Hank Coleman
    14 Jul 2014 | 5:56 am
    The savings rate in America is dismal, and it’s heading in the wrong direction. According to the latest data from the Bureau of Economic Analysis, the personal savings rate in America is 4.5%, down from 5.6% the previous year. But do you know what’s the greatest hindrance to you increasing your savings? You. Your brain is the biggest thing holding you back from saving more, and one of the best ways to combat this is to trick yourself into saving money everyday. You have to make savings a game. Here are five sneaky ways to do so. Take The 52-Week Challenge And Increase Savings…
  • Why Extended Warranties Are A Waste Of Money

    Hank Coleman
    8 Jul 2014 | 3:00 am
    Retailers are pushing extended warranties with more fervor than ever, and consumers are buying. But in almost every case, they are a bad deal. Extended warranties are everywhere. It seems like every retailer is offering them now, even for purchases as small as a $30 toaster oven. And according to research done by Protect Your Bubble, a third-party gadget insurer, 40 percent of U.S. buyers are taking those stores up on the offers. Sales of extended warranties have seen between 15 percent and 20 percent annual growth over the past 3 years. And there’s good reason for retailers to push…
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    Creative Money

  • The quickest path to a pay raise [roundup]

    Mindy Crary
    22 Jul 2014 | 7:46 am
    In order to be successful, entrepreneurs are required to work on all of those internal and external issues that prevent them from earning the pay they deserve . . . because at the end of the day, we’re the only ones holding ourselves back, be it in a specific, practical way, or simply by how we perceive the situation.  And this is also true of people who are still employed!  So recently, I asked some of my favorite entrepreneurs for tips to share with people who are trying to maximize their pay in an employment environment. And I asked them, are there any particular activities, mindsets,…
  • How mindfulness saves you money

    Mindy Crary
    15 Jul 2014 | 1:26 pm
    Mindfulness is an essential ingredient in a healthy relationship to money; when you’re mindful about what you spend and how you make financial decisions, everything supports your intentions and higher values.  When you ignore mindfulness—maybe because you’re stressed or don’t even HAVE a clear vision of what you want your money to do for you—you tend to waste money. What Mindfulness Means Mindfulness is about staying in the present moment and really taking in all information about what you’re experiencing, how you’re feeling and what you’re thinking.  My first experience…
  • Here’s the biggest obstacle to wealth and what you can do about it

    Mindy Crary
    8 Jul 2014 | 10:21 am
    I know it’s frustrating to feel like your goal is so far from reach, especially when wealth might solve a variety of issues you’re experiencing right now.  Here’s the key to finally feeling some peace and making progress in accumulating wealth. Wealth Acceptance People who know me are aware I have some health issues…an undiagnosed low thyroid condition sidelined me for many years and a broken ankle messed me up some more.  I used to be active, running, participating in races…so for me, it’s actually really hard to stay active, because I am so far away from where I used…
  • Do you hate where you’re at with your money? How to get back on the path to prosperity.

    Mindy Crary
    1 Jul 2014 | 9:12 am
    It’s hard to deal with financial hardship.  When I first started my business and very little money was coming in, I noticed that no one was as generous with me as I had been with them when I had been making good money during graduate school.  A lot of my “friends” disappeared or moved on when I quit paying for everything.  I realized that I actually needed relatively little money to survive and got back on the path to prosperity pretty quickly! Prosperity Practices I used this period of austerity to decide how I wanted my money to function for me.  And even in the midst of financial…
  • Wealth building in 30 minutes a week

    Mindy Crary
    24 Jun 2014 | 1:51 pm
      When I do anything effectively, the first step is always carving out time in my schedule—nothing happens if I don’t do this.  Most people only need 30 minutes per week to be a success at wealth building.  What you do in this time may be different each time, and will definitely evolve as you become more savvy.  It’s like the person who runs for 30 minutes regularly; what they get done in those 30 minutes when they start out will be vastly different from what they will accomplish after having done it for 6 months! Consistency in your wealth building focus When you focus on…
 
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    Three Thrifty Guys

  • Spotify Review – Free Music at Your Command

    Matthew
    24 Jul 2014 | 3:21 am
    A Gary Allan song was the last straw. The song itself was great (Airplanes if you’re wondering), but the $1.29 I had to pay for it irked me more than parting with 129 cents probably should. But it led me to try out some other options for playing music on my computer, because paying for music can add up! Spotify was a program a number of my friends were already using and I thought I would try it. After downloading it, using it, experimenting with it, and asking others about it, the bottom line is this: if you enjoy listening to music, Spotify needs to be a icon on your desktop! You’ll…
  • Are Some People Just Born Good Money Managers?

    Aaron
    21 Jul 2014 | 3:25 am
    As I’ve thought more and more about money management and been witness to mine and others money habits, I’ve come to the opinion that I believe to be true: Some folks are just better with money than others. In other words, they are born “money managers”. And, before I offend anyone – let me offer a few reasons for why I believe this to be so. The prefrontal cortex I recently heard a psychiatrist lecture about addictions and why some people are more susceptible to them than others. One of the main reasons for folks falling prey to gambling, drug, alcohol (and…
  • How Often Does My Credit Score Change?

    Laurie
    18 Jul 2014 | 4:40 am
    Ever wonder about the answer to this question?  I know I do.  I spent 15 working years in personal and mortgage banking, and among other things, I learned well during that time how important a credit score can be.  When I was processing loan and mortgage applications, the very first thing we looked at was the credit score.  One glance, and we had a pretty good idea about whether the customer would receive a “yes” or a “no” from the underwriting team. I got to experience the joy that customers had when we could tell them they were approved for their dream home, and I got to see…
  • Ooma Business Review With Linx

    Charlie
    16 Jul 2014 | 2:00 am
    Recently, I was approached by Ooma to write a review on the Ooma Office. So while I’ve had the Ooma home phone service, I’ve been extremely pleased with both the service and price point. Here are the links to my previous Ooma posts [initial setup of Ooma, Ooma after one year and Ooma premium service review]. With those reviews in mind, here are few of my thoughts on the Ooma business. Positives Easy setup – after removing the base unit, I had my phone service operational within 5 minutes. I couldn’t believe how easy it was to setup, which was easier then the home…
  • 6 Weird Ways to Earn or Save Money

    Matthew
    14 Jul 2014 | 4:22 am
    I came to a conclusion while being shamelessly dressed liked a cow to get a free meal at Chick-Fil-A recently: sometimes you have to be creative to make or save a buck. Am I right? I began reflecting on the interesting, weird and bizarre things I have done all in the name of earning or saving some extra money. Can you top mine?  1. Becoming a fraternity house parent I bet I’ll never be able to beat the square footage and free rent! This was a short opportunity for my wife and I, but since then three of our good friends have decided to live in a fraternity or sorority and serve as a live-in…
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    Money Infant

  • 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…
  • Practical and Non-Traditional Investment Opportunities for Retirees

    Steve Walters
    16 Sep 2013 | 6:38 pm
    Mario Vitanelli is a freelance writer and blogger who specializes in international politics and finance, retirement and investment. His areas of expertise include European, Asian and Latin/South American economic policy and QROPS. When away from his keyboard, he enjoys photography. If you every word written on the internet about retirement investment hints, systems, schemes, rules, warnings and instructions were dollars in your bank account, you wouldn’t need to read another word on the subject because you’d be rich indeed. Despite the wealth of those articles, there are some problems…
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    Kitces.com

  • How IRA Withdrawals In The Crossover Zone Can Trigger The 3.8% Medicare Surtax

    Michael Kitces
    23 Jul 2014 | 4:01 am
    As the 2013 tax preparation season wound to a close in April of this year, many investors discovered for the first time a costly new line item on their tax return: "Other Taxes" on Line 60 of their Form 1040, where they reported the new 3.8% "Medicare surtax" on net investment income that just took effect in the past year. While "only" a 3.8% rate, the new tax is significant for many types of investment income eligible for a preferential rate; after all, adding 3.8% to a 15% long-term capital gains rate is actually a 25.3% relative increase in tax burden! Fortunately, the new 3.8% surtax on…
  • FPA RPI Studies How Advisors Communicate, Segment Clients, And Conduct Review Meetings

    Michael Kitces
    21 Jul 2014 | 4:01 am
    This month, the FPA’s “Research and Practice Institute” (RPI) released its study on “Trends in Client Communication”, a part of its ongoing follow-up to last year’s “Future of Practice Management Study” that identified client communication as a key driver of advisory firms (and a self-identified challenge area for many advisors). Not surprisingly, then, the results of the RPI study show a wide range of practices in how advisors handle their client communication, segment their clients, and conduct their client review meetings. Nonetheless, the results do provide an interesting…
  • Weekend Reading for Financial Planners (Jul 19-20)

    Michael Kitces
    18 Jul 2014 | 12:31 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition starts out with the news that Republican Spencer Bachus has signed on as a co-sponsor to Democrat Maxine Waters' proposed legislation to establish SEC user fees that would help fund increased investor adviser oversight; while there still isn't likely to be anything passed into law in the immediate future, the announcement suggests that there may be some traction building for the user fee approach to close the examination gap as the SEC remains underfunded. Also in the news this week was an…
  • How The "Annuities Should NEVER Go In An IRA" Rule Has Become A Myth

    Michael Kitces
    16 Jul 2014 | 4:01 am
    Similar to retirement accounts like IRAs and 401(k)s, Congress provides deferred annuities a tax preference, in the form of tax-deferred growth, to encourage their use. This tax treatment does not have any outright cost; instead, it’s simply a benefit that is otherwise granted to the owner of an annuity. Yet because of the similarities in tax treatment between retirement accounts and annuities – and the fact that for much of their history, deferred annuities really were used primarily or solely for their tax deferral treatment – there is a long-standing rule of thumb for how to…
  • Nerd's Eye View 2014 Reader Survey - Your Input Is Requested!

    Michael Kitces
    15 Jul 2014 | 4:01 am
    As my long-time subscribers know, I like to survey readers of this blog once a year to get their input on what they find least/most useful about the content and how it's delivered to them. Your feedback is used to shape everything from the design and structure of the blog, to new types of content and features, and more. I've tested many ideas and potential initiatives via these surveys over the years; it's shaped everything from the default font size of the blog content, to the recent launch of our webinars offering, to a decision to totally scrap some ideas that have come up along the way…
 
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    Epic Finances - Investment Blog

  • Three Sectors to Invest in Now

    Carmello
    15 Jul 2014 | 5:51 pm
    Experts say that here in the United States a manufacturing renaissance is beginning to take off. A recent Markit flash PMI ticked to 57.5, up from 56.4 in May. While it’s not the biggest increase ever seen, it definitely shows that manufacturing is heading in the right direction. “The last 10 years has been about shipping goods and services overseas, and trying to get price and quantity of services and goods,” says Brian Belski of BMO Capital Markets. He believes that the next 10 years is going to be about time and quality.  “We here in America can make the highest quality part much…
  • Used Car Purchase Checklist

    Carmello
    15 Jul 2014 | 5:07 pm
    Buying a used car can be a scary thing. You have to place yours and your family’s safety in the hands of an individual you don’t know. Or you have to trust a used car dealership that is looking out for their interests. Luckily for you there are some steps you can take to give you a sound mind that the car you buy is equally sound. Below are great tips on protecting yourself when purchasing a used car from lowincomeloansassistance.co.uk Buying a Car from an Individual When you buy from an individual you need to check out safety and legal features the government has created to ensure the…
  • How to Avoid Borrowing and Still Get Cash

    Carmello
    14 Jul 2014 | 3:00 am
    Oftentimes, when people face a financial emergency or they do not bring enough money in to cover all their monthly bills, they borrow money to help cover these costs. While this often seems like a good idea at first because it covers their immediate need, paying this debt off is not so easy. In fact, the interest accrued on any type of loan will require you to repay a lot more money then you borrowed in the first place.   Unfortunately, this typically causes people to get in further behind on the debt and increase their monthly bills. The good news is that there are effective ways that…
  • Retirement Saving Tips for People 50 and Older

    Carmello
    5 Jul 2014 | 1:03 pm
    If you are 50 years of age or older, and you still haven’t put away a substantial enough amount of money for retirement (or possibly nothing at all) you may think that it’s too late for you to start saving and that you’ll have to “work forever” in order to survive. While it certainly is going to be a bit tougher, there are a number of things you can do if you start right now that will allow you to have a significant bit of money set aside at age 65 so that you can stop working and enjoy a moderate lifestyle. Keep reading to find out more. Make savings your first priority Simply put,…
  • Do You Have $5,000 to Invest? If so, Read Below

    Carmello
    5 Jul 2014 | 3:00 am
    Okay, so you’ve got $5000 burning a hole in your pocket that you are ready to invest. That’s great, but the big question now is this; where exactly are you going to put that money? Maybe an even bigger question is this one; is investing that money your smartest choice? Greg McBride, the chief financial analyst at Bankrate, has this bit of wisdom for you: “If you’re asking what’s the best way to invest $5,000, it’s kind of like asking what should I have for dinner tonight? Well, it depends.”  McBride says.  “What do you like? What don’t you like? Do…
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    The Savvy Scot

  • BIG anniversary £300/$500 cash or iPad mini 64gb giveaway

    Pauline
    20 Jul 2014 | 5:05 pm
    Credit Savvy Scot is happy to join its sister sites Reach Financial Independence and Make Money Your Way for a HUGE giveaway, as RFI turns two and MMYW turns one! It has been a great year over at Make Money Your Way. 178 posts from that first welcome one, almost 150,000 pageviews, over $10,500 in revenue, 10% donated to sponsor young girls’ education in my village, a PR3, and thousands of comments and positive feedback that made it a fantastic experience. So to celebrate and say THANK YOU, I am giving away some cold hard cash! Over the next month, you can enter for a chance of…
  • Saving Money at Baby Showers

    Pauline
    16 Jul 2014 | 11:05 pm
    Good morning every one, this is a guest post from Glen, he is the owner of www.howtosavemoney.guru, a personal finance website dedicated to helping people save money and find financial freedom. Glen recently paid off over $300,000 in mortgage debt within 7 years, and he wants to share his money saving tips with others to help them get on their way to financial freedom. Lately it seems like everyone we know is having babies – it’s a really exciting time with lots of first time parents waiting to experience the joys of parenthood. With all these new babies about to enter the world,…
  • £16/$25 Airbnb coupon, save money for your summer holiday

    Pauline
    1 Jul 2014 | 12:05 pm
    To register on Airbnb and claim your £16/$25 Airbnb coupon, click here. This Airbnb coupon is valid all through 2014, so enjoy! Summer is here, and you know how hard it can get sometimes to find an affordable accommodation for the holidays. Peak season, the school year is over, prices soar. Airbnb offers you the option to book directly with homeowners, and stay at their place instead. Isn’t it weird? Well for some, sharing a house with complete strangers can be, that is why you also have the option to rent a full home or apartment. It is really easy to look for the right place for your…
  • Ways of Building Wealth: It’s Just about Striking the Right Balance

    Pauline
    23 Jun 2014 | 11:05 pm
    Photo Credit Good morning! Today I am pleased to welcome Jonny Pean who is a veteran financial blogger with a vast array of blogs on money management tips, insurance, loans etc to his credit. With digital marketing as his forte Jonny Pean loves to explore the various facets of World Economy as well. His interest in finances dates back to the time when he had started his career as a finance writer around 4 years back. Let me know if you would like to guest post on Savvy Scot. The root of successful wealth building lies in the antiquated notions that our parents have passed on to us—…
  • Top 7 bodyweight exercises

    Pauline
    18 Jun 2014 | 11:05 pm
      Credit Воdуwеіght ехеrсіsеs саn bе іnсrеdіblу еffесtіvе fоr buіldіng musсlе. Іn fасt sоmе оf thеm аrе аt lеаst аs еffесtіvе аs usіng wеіghts. Мауbе mоrе sо. Fоr ехаmрlе, whо wоuld аrguе thаt сhіn-uрs аrе mоrе еffесtіvе thаn рulldоwns fоr buіldіng а wіdе bасk? Аnd раrаllеl bаr dірs аrе аt lеаst аs gооd аs thе bеnсh рrеss fоr dеvеlоріng thе сhеst – аs wеll аs bеіng аbоut thе bеst thіng thеrе іs fоr trісерs dеvеlорmеnt. Glutе hаm rаіsеs…
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    I Need Money

  • Will Having Multiple Insurers Help Your Business Save Money?

    admin
    22 Jul 2014 | 6:31 pm
    Cost efficiency is the cornerstone of most good business models. Unless a company is capable of managing its finances, making a profit becomes essentially meaningless. Many start-ups have failed, simply because they didn’t have a good handle on their cash flow or were unable to translate a huge turnover into an actionable profit. When it comes to making essential business purchases, it’s therefore important that you get the best deal. And when talking about essential purchases, there are few more important than good quality insurance. Insurance can often be expensive, but the peace of…
  • How to Save Money on Your Commercial Vehicle Fleet

    admin
    14 Jul 2014 | 6:40 pm
    Although the British economy has experienced slight growth of 0.8% in the last financial quarter, it is important to note that this was driven largely by consumer and household spending. This means that while SME’s are feeling more confident than they have at any point since the onset of the Great Recession in 2007, many are still unwilling to invest too heavily in positive practices such as recruitment, marketing and infrastructure development. This trend is being replicated throughout the Western world, and this underlying note of caution means that businesses are more pre-occupied with…
  • Do You Really Have to Spend Money to Make Money?

    admin
    1 Jul 2014 | 2:22 pm
    One of the oldest sayings in the world of business and money-making is that “you have to spend money to make money.” It’s a saying that is usually repeated to people who are hesitant to invest money in anything that isn’t a savings account or who are skeptical about the cost of supplies needed to start up a new business or money-making adventure. The simple truth is that, these days, you don’t always need to spend money to make money. You can simply fire up the computer you already have, do a few online gigs and viola! You’ve made a few bucks. Yay! But, while the gig economy is…
  • Embracing Mobile Trading:  Adapting to a Volatile and Constantly Changing Economy

    admin
    29 Jun 2014 | 3:11 pm
    When you are considering whether or not to trade on the financial markets, it is all too easy to become intimidated by feelings of fear and trepidation. The financial markets are vast and extremely challenging, and well known for showcasing variable degrees of volatility. This can often overwhelm novice traders, especially if there are unprepared and inhibited by fears of making a financial loss. This should not come as a surprise, especially when you consider the considerable and detrimental impact of the Great Recession. After all, the financial crisis changed the philosophy of an entire…
  • Stamp Duty – Calculate Your Own  

    admin
    23 Jun 2014 | 2:25 pm
    The home buying process in Australia requires that people calculate the stamp duty for processing the paperwork for their homes. This additional expense can be an unexpected burden if people fail to prepare for it or know the amount that they must pay at the close of their transaction. However, they can adequately budget for this tax by using an online stamp duty calculator and knowing several key facts involving their home buying decision. These facts will help tabulate the estimated stamp duty for which they will be responsible. State of Residence The first key piece of information people…
 
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    Zoho Blogs

  • The customer service lessons we must all learn from that Comcast call

    Austin Talbert
    23 Jul 2014 | 2:04 pm
    ​By now, you’ve probably  heard the call that hijacked the Internet last week. If not, let me warn you. It is painful – incredibly painful.  And while I do feel awful for the customer, ultimately, the cancellation call from hell breaks my heart for a shocking reason. Listen to it again, and try not to empathize for the hapless agent and his cringe-inducing commitment to the Comcast way. This poor soul morphed in eight short minutes and one tweet from internal hero, revered and rewarded for his ability to continually face-off against tough odds and win, into the saddest…
  • Get Instant HR Alerts and Live Feeds with Zoho People.

    Aarthi Elizabeth
    22 Jul 2014 | 5:11 am
    Jack, an executive, applies for a travel approval through his company’s HR portal. His manager misses the request amongst other important emails. The approval is delayed and Jack is left uncertain about his forthcoming travel. Now, lets assume Jack’s travel gets approved eventually. He plans his lodging and other expenses for his trip, keeping the existing HR policy in mind. Upon returning, he attempts to have his expenses reimbursed, only to realize the HR policy had been changed well before his departure. This leads to unforeseen confusion. Approvals, reviews and announcements…
  • The Chart Picker Guide

    S B Saravana Bharathi
    21 Jul 2014 | 6:18 am
    Charts have the magical ability to transform abstract numbers into beautiful readable visualizations. Trouble comes when you have to choose the right chart, that could best visualize the data involved. We have come up with a chart-picker guide that will help you to choose the best chart for the occasion. Go ahead and make the right pick! Column/Bar Chart Pick this chart to compare data classified into discrete groups. Be it your sales in each quarter, or say scores comparison among teams. Stacked Column/Bar Chart This chart shows the contribution of individual stacks that make up the…
  • 5 Financial lessons from Game of Thrones

    Harish
    18 Jul 2014 | 9:35 am
    Did you know that the Queen of England visited the Iron Throne a few weeks ago (almost sat on it too)? That’s the level of impact the show has made in just four years. Game of Thrones is an epic fantasy series which centers around the battle to capture the Iron Throne, the symbol for ruling over the seven kingdoms of Westeros. It has been universally acclaimed as the best series by fans and entertainment critics alike. Some fans even want the writers to be knighted (including me!). For those of you who have watched the show, there are some crucial finance lessons you can take away,…
  • What I learned from working remotely with cross-cultural teams

    Meera Sapra
    11 Jul 2014 | 11:39 am
    For about six years now, I’ve been working in a cross-cultural environment. Our teams are split across offices in India and the US, with the majority of our development efforts based out of India. I work remotely out of New Delhi, whereas most of our India teams work from Chennai. To give you an idea of how far these two places are: In this unique situation, I’ve had the opportunity to work with teams across different locations and time zones. These differences no longer come in the way of teamwork and collaboration. In fact, they ​help us evolve and adapt our own business apps…
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    Cult Of Money

  • What Kind of Business Do You Want to Start?

    Alexa Mason
    23 Jul 2014 | 1:15 am
    One thing that always seems to be on my mind is business. I lay awake at night and the ideas just flow through my head. I often get overwhelmed by the possibilities. Because let’s face it – the possibilities ARE endless. If you put your mind to it you can successfully start and run your own business. However, there are pros and cons with each different type. And I believe it’s crucial to weigh these before going all in. Let’s take a look. A Freelance Business As a freelancer you are simply offering a set of services to potential clients. The services you offer can be virtually…
  • Purge Your Closet: 5 Tips to Help

    Alexa Mason
    16 Jul 2014 | 1:15 am
    I’ve been on a purge-the-house kick over the past month. It started by looking for yard sale items and then went far beyond. As I looked through my clothes I realized I had around 20 pairs of jeans but only wore about 5. And if I’m going to be honest I have about three outfits that I wear over and over and over. On top of that I had seven pairs of boots even though I only wore two of them. Not to mention a box full of flip flops that hadn’t seen the light of day in years. Heck, I even had dress pants and a few shirts that still had the tags on them. And jackets seemed to be my real…
  • How to Be Content with Your Life

    Alexa Mason
    9 Jul 2014 | 1:15 am
    Me and my two daughters In general, money problems and massive consumer debt all stem from one thing: discontentment. When you’re not happy with your life you resort to filling in the hole by buying stuff. Stuff that brings you temporary happiness but then depletes all your time, energy and money. In the past couple years I’ve finally got to the point where I absolutely love my life and wouldn’t change a thing. I’m content. I’m happy. But it wasn’t always like this. Here’s what I’ve learned. You’ve Got to End Bad Relationships You can’t be happy if you’re always around…
  • The Do’s and Don’ts of Saving Money on Energy Drinks

    Alexa Mason
    2 Jul 2014 | 1:15 am
    You wake up tired and groggy. You head to the kitchen. What do you grab – a cup of coffee or an energy drink? It seems that more and more people are switching to energy drinks these days. They’re a quick solution and in my opinion, taste much better than a cup of coffee. In fact, it seems as though my family and friends have jumped on the energy drink bandwagon. (Okay, maybe I did a little bit too……………) But there’s one big problem with energy drink: they are very expensive! Here’s How it started My boyfriend works for the State doing highway maintenance. In the winter season…
  • How I’m Teaching My Kids About Money

    Alexa Mason
    25 Jun 2014 | 1:15 am
    My oldest daughter. I believe that it’s never too early to start teaching your kids about money. This probably stems from the fact that as a child my parents never spoke about money. When I was about sixteen my best friend had gotten a job and opened up her own checking account. Her mother made her balance her checkbook and pay for her purchases by check so that she could learn. I didn’t even know how to write a check. I’m lucky that even though I had very little financial guidance I am a still money-savvy adult. But some of my other family members near my age weren’t so lucky. And…
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    PFhub - Business, Financial & Economic News

  • Big jump in Apple (AAPL) 2014 research spending spotted

    Andrew Moran
    24 Jul 2014 | 1:37 pm
    Even as iWatch rumors fly thick and fast in investing and analytical circles, Apple Inc. (NASDAQ:AAPL) spent more money on research than it has in nearly a decade, according to some perceptive detective work by the Financial Times. Apple’s financial figures indicated a massive upward bump of 36% additional spending for R&D in Q3 2014 […]The post Big jump in Apple (AAPL) 2014 research spending spotted appeared first on PFhub - Business, Financial & Economic News.
  • Wall Street Journal website breached, hacker offers data for one bitcoin

    Andrew Moran
    24 Jul 2014 | 8:47 am
    When it comes to peer-to-peer decentralized virtual currencies, hackers usually travel two routes: attack virtual currency exchanges and steal clients’ digital holdings or infiltrate computers and use their power to mine for digital currency. Lately, however, hackers have been breaching company websites and offering the data for bitcoins. The latest victim of a hacking is […]The post Wall Street Journal website breached, hacker offers data for one bitcoin appeared first on PFhub - Business, Financial & Economic News.
  • Australian Tax Office (ATO) issues further clarity on bitcoin taxation

    Andrew Moran
    24 Jul 2014 | 8:32 am
    What seemed like constant back and forth modifications and officials changing their minds on a regular basis, the Australian Tax Office (ATO) finally somewhat released a little bit of clarity on how taxpayers can correctly address their bitcoin holdings on their income tax returns. Last month, the deadline for the guidance paper was Jun. 30, […]The post Australian Tax Office (ATO) issues further clarity on bitcoin taxation appeared first on PFhub - Business, Financial & Economic News.
  • Apple’s (AAPL) explosive growth in China surprises even Tim Cook

    Rhian Hunt
    24 Jul 2014 | 8:15 am
    The “Middle Kingdom” is the latest region of the globe to witness strong market penetration by Apple Inc.’s (NASDAQ:AAPL) products, and Chinese sales of iPhones and Macs have proven robust enough to startle even Tim Cook, at least in public. Apple’s success has also been a driving force in the expansion of 4G networks in […]The post Apple’s (AAPL) explosive growth in China surprises even Tim Cook appeared first on PFhub - Business, Financial & Economic News.
  • American consumers cut back on spending this summer

    Andrew Moran
    24 Jul 2014 | 7:57 am
    This summer, the cost of pretty much everything has gone up: meat, eggs, fruit, vegetables, water and gas. Due to this, consumers have been cautious as to what they are consuming in the hot summer months of July and August. In fact, they are using various methods to cut back on expenses and save more […]The post American consumers cut back on spending this summer appeared first on PFhub - Business, Financial & Economic News.
 
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    Wealth Creation

  • How the Queen is going to help your business get access to funding

    Money Cactus
    30 Jun 2014 | 6:06 pm
    It might not be immediately apparent but the Queen is an active champion of small businesses in the UK.Her Majesty’s expression of that support comes in the form of her annual address on the occasion of the state opening of parliament. 2014 proved to be no exception, with the Guardian newspaper offering an insight into key sections of the speech and summarising the reactions from a number of commentators and spokesmen on behalf of the country’s small businesses. The Queen’s speechThe speech is published on the official government website and outlines its plans and intentions with…
  • Crackdown on payday lenders drives down the competition

    Money Cactus
    28 Jun 2014 | 6:07 pm
     Competition is good in any industry, even in a marketplace full of companies as maligned as the payday lenders. A recent review by the Competition and Markets Authority (CMA) stated that there was a lack of price competition in the payday lenders market which could be adding between £5 and £10 per loan onto the cost of customers’ bills.The latest news, that Britain’s crackdown on payday lending is driving away much of the competition, flies in the face of concerns about price competition, and begs the question: just how does the Financial Conduct Authority intend to effectively…
  • 5 Great Tips to Maximise Your Tax Return in 2014

    Money Cactus
    29 May 2014 | 4:38 pm
    There’s so much paperwork at tax time; tiny little receipts flying all over the place and no matter how organised you intend to be, those bits of paper always seem to get away from you; sound familiar? No need to panic; in fact there’s never been a better time to get focused. With a little planning and a bit of help from somebody like Fox Symes, you can face the financial year end with determination instead of trepidation.Pay In AdvanceTry to pay as many tax deductible expenses in advance – even into next financial year. This common money management strategy is used by many successful…
  • Drowning in Cash: 5 Unusual Ways to Fund Your Business

    Money Cactus
    8 May 2014 | 4:23 am
    Unless you’re fortunate enough to have been born with a silver spoon in your mouth, funding a new business venture is likely to involve a seemingly endless struggle with the green stuff.For fledgling firms, cash is especially tight, with begging letters to bank managers, endless loan forms and countless snobbish letters rebuffing your pleas for funding.But times have changed.Gone are the days of relying on a cash injection from your local financial institution, with many modern start-ups looking at more unorthodox ways to fund their business goals.Check out the top five below …1. Use…
  • Both Sides of the Sale: Listing Agents Vs. Buying Agents

    Money Cactus
    27 Apr 2014 | 4:31 am
    You’re moving out of your home and into another one. You might not have given it much thought, but you have to have an agent for both the sale and purchase of a home. So, whom do you use? Do you have the agent who is selling your home also act as the buyer when you go for your new one or do you hire an entirely different agent for the new home purchase?How a buyer’s agents workA good buying agent is patient and a good listener. The agent’s job is to listen to your needs and then match your values with a home. He (or she) is good at showing homes, knows how to solve…
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    Wealthy Turtle

  • Williams Sonoma Credit Card Review – The Perfect Credit Card for People Who Like to Cook

    Mike Collins
    22 Jul 2014 | 3:18 pm
    Savvy shoppers know they can use a branded credit card to earn valuable rewards at their favorite stores.  Today we’re taking a look at the Williams Sonoma credit card which is perfect for foodies who want to earn awesome rewards such as gourmet foods and professional grade cookware and bakeware. My wife and I both love to cook and we could go absolutely bonkers at Williams Sonoma.  Seriously, if you gave me a $10,000 shopping spree at the store I would still walking out wanting more. If you love food as much as I do, then the Williams Sonoma Visa Signature Credit Card may be the…
  • How Does a Reverse Mortgage Work?

    Mike Collins
    21 Jul 2014 | 4:09 am
    If you’re 62 or older and short on cash, you might be considering a reverse mortgage.  But before you jump in and sign the paperwork, it’s important you understand how a reverse mortgage works. When I was young and just out of college, my parents took out a reverse mortgage on their home.  My dad had suffered a debilitating stroke and my mom suffered from congestive heart failure so neither of them were able to work.  I pitched in where I could but I was young and not making much money myself, so they were basically living off of Social Security and a very small monthly…
  • 4 Money Lessons I Learned From Samurai Jack

    Mike Collins
    11 Jul 2014 | 3:19 am
    Long ago in a distant land…I, Aku, the shape-shifting Master of Darkness, unleashed an unspeakable evil! But a foolish Samurai warrior wielding a magic sword stepped forth to oppose me. Before the final blow was struck, I tore open a portal in time and flung him into the future, where my evil is law! Now the fool seeks to return to the past, and undo the future that is Aku! So began each episode of Samurai Jack, the award-winning animated series that aired on the Cartoon Network from 2001 to 2004.  Samurai Jack tells the story of a samurai warrior’s quest to defeat the malevolent Aku, an…
  • Goodbye Mom

    Mike Collins
    6 Jul 2014 | 3:18 pm
    I’ve been a bit less active in the blogosphere than usual lately but I had a very good reason…my Mom was dying. My mother has been battling several serious health issues over the last few years and she had deteriorated significantly in recent months.  She was no longer able to live on her own (even with my sister living with and caring for her) so we moved her to a long term care facility back in March. That was actually good for us because we knew she was safe and being cared for. Plus she was only about 2 miles away instead of 40 miles, so it was obviously a lot easier to see…
  • My SitterCity Review – How to Find a Babysitter

    Mike Collins
    1 Jul 2014 | 5:41 am
    My review of SitterCity and how we used it to find a reliable babysitter quickly and easily. A few months ago my wife and I decided we needed to find a reliable babysitter.  In the past we’ve always relied on my sister watch our kids, or we traded babysitting services with friends who also had young children. But there were times when our friends were busy and we didn’t want to have to rely solely on my sister who might also have plans.  We wanted the freedom to make a last minute decision to have a date-night without having to worry about finding a babysitter. The problem was we had no…
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    Bank On Yourself

  • Pamela Yellen Named Top Personal Finance Influencer

    Pamela Yellen
    21 Jul 2014 | 12:38 pm
    I’ve just been named one of the 30 most influential people in personal finance and wealth, and I wanted to share the exciting news with you! Starting with a field of more than 1,000 finance experts, the study (commissioned by MoneyTips) used a rigorous process to score and rank each expert to whittle it down to a ranked list of the top 30 influencers in wealth and personal finance. I’m ranked #19 on this list of the Top 30 social influencers impacting Americans’ financial lives. The list was published last week on the Huffington Post, titled, What the Top 30 Personal…
  • 7 Ways to Spend Less and Enjoy Life More

    Pamela Yellen
    15 Jul 2014 | 11:31 am
    Do you remember during the recession when it was actually trendy to cut up your charge cards and get out of debt? Well, that fad wore off rather quickly, didn’t it? Americans have since resorted to their free-spending ways, and now total debt in the US has hit a new all-time record.” Over the past several years, 6-year-term loans have become the norm for financing cars, according to Experian Automotive. And subprime loans to business have skyrocketed – at rates equal to as much as 125% per year, when the fees are included. (You read that right – 125%.) Borrowing creates the…
  • What does Financial Independence mean to you?

    Pamela Yellen
    27 Jun 2014 | 6:51 am
    With Independence Day right around the corner, I got to thinking about the real meaning of financial independence. (Take our survey now and tell us what financial independence means to you.) For retired Navy Commander and Bank On Yourself revolutionary Bob Chambers, it means, Spending time with family and friends and having a predictable, life-long income that provides a comfortable lifestyle.” If you’ve been a subscriber for a little while, you may recall that Commander Bob agreed to share the booklet he wrote, which he called “Financial Independence Made Easy,”…
  • Breaking news roundup from Bank On Yourself

    Pamela Yellen
    17 Jun 2014 | 4:39 pm
    Here are summaries of three important news stories affecting your money and finances… 1. Investment brokers fight rule to favor best interests of clients Did you know that brokers are not necessarily required to act in your best interest – even if it’s your retirement savings at stake? The investment industry – from large Wall Street firms to small independent advisors – is spending millions of dollars to fight a rule that would require a broader group of brokers and planners to put their clients’ interests ahead of their own. The Labor Department said it would release…
  • Pamela Yellen’s untold story (part 2 – the ugly Halloween mask)

    Pamela Yellen
    10 Jun 2014 | 2:36 pm
    Your time is limited, so don’t waste it living someone else’s life… And most important, have the courage to follow your heart and intuition.” – Steve Jobs  At the end of my circus adventure (if you missed the story about my riding an elephant in a skin-tight gold sequined leotard, you can read all about it here), I returned to Sarasota, Florida. And I have to confess, I was beginning to feel a little restless. My dating life was non-existent and I couldn’t afford to keep buying men (it’s not what it seems!). I had been working as the sales manager for…
 
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    Investment Fraud Attorneys | Hermann, Cahn & Schneider, LLP

  • Why Do Variable Life Insurance Policies Fail?

    Jay Salamon
    24 Jul 2014 | 2:41 am
    This article was originally posted on Stock Market Loss Purchasers of Variable Life and Variable Universal Life Insurance Policies often don’t understand that the values of the sub-account investments determine the sustainability of the insurance coverage in the policy. The value of the sub-accounts must remain sufficient to pay the cost of insurance. If the cost of insurance increases and/or the sub-account values drop, the policy can begin to spiral toward a premature demise. The vast majority of policyholders allocate their premium dollars to sub-accounts invested in stocks, usually at…
  • How Do Brokers and Insurance Agents Mislead You Into Buying VL and VUL Insurance Policies?

    Jay Salamon
    23 Jul 2014 | 12:40 pm
    This article was originally posted on Stock Market Loss Brokers and agents who sell variable insurance products are supposed to comply both with state securities or insurance regulations and with regulations issued by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). Before recommending variable insurance, the broker or insurance agent is required to obtain information enabling him or her to evaluate the customer’s personal and financial situation and needs, tolerance for risk, and financial ability to pay for the proposed insurance…
  • Proposed FINRA Rule Would Keep Former Industry Insiders Off Public Arbitrator Lists

    Jay Salamon
    19 Jun 2014 | 11:12 am
    This article was originally posted on Stock Market Loss FINRA has filed with the Securities and Exchange Commission a proposal to narrow the definition of a public arbitrator, precluding anyone with financial industry experience from qualifying for the category. Brokerage customer contracts contain mandatory arbitration clauses that for the most part, prevent customers from suing brokerage firms in court. The parties instead choose a three-person arbitration panel from a list of arbitrators provided by FINRA. Customers have the option of demanding a panel consisting of two public arbitrators…
  • Securities Attorneys Investigating Alleged $20 Million Ponzi Scheme Relating to KGTA Petroleum

    Jay Salamon
    12 Jun 2014 | 11:51 am
    This article was originally posted on Stock Market Loss Tom Abraham(also known as Thomas Abdallah), Kenneth Grant, their company KGTA Petroleum, Ltd, stockbrokers Jeffrey Gainer and Jerry Cicolani, and others are accused of orchestrating and/or helping to promote a Ponzi scheme related to KGTA, a petroleum company that purported to earn profits by buying and reselling crude oil and refined fuel products, according to a complaint filed by the Securities and Exchange Commission (“SEC”). Cleveland, OH law firm Hermann Cahn & Schneider and its stockmarketloss.com investor protection group…
  • SEC’s Internal Discord Leaves Investors Without Fiduciary Protection

    Jay Salamon
    28 May 2014 | 8:27 am
    This article was originally posted on Stock Market Loss As we’ve explained in the past, most lawyers in the claimants’ bar contend that brokers are subject to a fiduciary standard and owe a duty to put customers’ interests ahead of the broker’s own interest in earning commissions and fees. While a stockbroker is required by rule and regulation to only recommend investments that are suitable for his or her retail client, broker-dealers (and many courts) have disputed the existence of a broad fiduciary duty applicable to brokers. Registered investment advisors have long been deemed…
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    DINKS Finance

  • Dinks: Are we doing it all wrong?

    Kristina
    24 Jul 2014 | 2:00 am
    Good morning Dinks.  I recently went home to visit my family and friends and I spent a day catching up with my best friend from childhood.  I have known her almost my entire life, I think we met when we were 6 and now we are both 33.  We’ve stayed friends all these years because we have a lot of things in common even though I left my hometown at 19.  We share a love for scary movies but a hatred for zombie movies, we both enjoy being outside as often as possible, we both still prefer paperback books to downloads and neither one of us wants to have kids. My best friend is more…
  • Do you always listen to your spouse?

    Kristina
    23 Jul 2014 | 2:00 am
    Good morning Dinks.  So you’ve said I do in front of your loved ones, or if you’re like me and my boyfriend Nick you’ve made more of a virtual commitment.  That’s just my way of saying I’ve been with my boyfriend for almost 15 years and we’re still dating.  The point of my story is you are committed to living the rest of your life with someone (even if you aren’t married) but what does that really mean? Does it mean you have to compromise? I wouldn’t say that I compromise in our relationship, well at least not all the time, but I am the first…
  • Save, Invest and Reinvest To Build Wealth

    James
    22 Jul 2014 | 7:52 pm
    It’s always astounding what a difference a few years of investing can make! One of the things my wife Miel and I have been doing is actively driving the process of how we build wealth by investing in stocks, saving aggressively (or not so aggressively) and self managing our real estate. Well, this long term investing appears to be paying off in terms of higher cash flow. Back in 2005 we were getting a house down payment together. It took us about 14 months to save up $21,000. That’s not too bad. But contrast that with today. We recently set the goal of saving $100,000 so we can start…
  • Venus and Mars and Your Money

    Kristina
    21 Jul 2014 | 2:00 am
    Good morning Dinks.  We’ve talked about how men are from Mars and women are from Venus when it comes to certain aspect of life such as in the office, but what about when it comes to your money?  If you and your spouse manage your money differently is it just a difference in your personalities or is it actually genetic? Maybe men are more aggressive in their investments It is said that men are usually more aggressive when it comes to money.  When I was working as a financial planner in a bank branch I had a young couple (late 20s) who came in to open individual retirement accounts.
  • Stressing About Money Is Making You Poor

    James
    20 Jul 2014 | 7:34 pm
    Hi All, The Washington Post has a neat little piece looking at people’s time horizons and their ability to manage money. Essentially the article is highlighting new research by famous psychologist Philip Zimbardo saying that people who are future oriented and mentally ready to improve their finances tend to have better outcomes. In fact, the financial decisions many people make may have little to do with how good they are at math or how much they know about 401(k)s and more to do with their emotions. Specifically, financial decisions are strongly influenced by the way people view time,…
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    rVoice | rplan

  • ISAs Get NISA

    29 Jun 2014 | 11:50 am
    On July 1st 2014, ISAs become NISAs (New ISAs) in the most significant change to ISA rules since 1999. Here's a summary of the changes you need to know. Allowance increase: the allowance increases from £11,880 to £15,000 Allowance flexibility: you can split the allowance between Cash and Stocks & Shares ISAs as you see fit - previously, you could only invest up to half the allowance in cash Transfer options: you can now move from a Stocks & Shares ISA to a Cash ISA and back - previously, you could only move from a Cash ISA to a Stocks & Shares ISA, but not back Cash
  • How The Successful Got Started: Part 2

    29 Jun 2014 | 10:35 am
    If you missed the first installment, see How the Successful Got Started: Part 1 For the second part of this series , I am looking at how education and progression have a huge impact two incredibly successful women get started. If you haven’t heard of Meg Whitman or Marissa Mayer, then this should be an eye-opener for aspiring women everywhere. Take a look at how they started out and where they are now. Marissa Mayer - Google's first female engineer Born in Wisconsin U.S.A on the 30th May 1975 (age 38) Mayer graduated with honors from Stanford University with a Bachelors of
  • New Fund Available: CF Woodford Equity Fund

    30 May 2014 | 9:13 am
    From June 2nd 2014 we will be offering the new CF Woodford Equity Income Fund, which is run by the newly created asset management company Woodford Investment Management. The official launch for this fund is the 19th of June, however, Cofunds have secured an early pre-launch offer period. Neil Woodford is well known for managing the very successful Invesco Perpetual High Income fund for over 25 years, and is one of the most highly regarded fund managers in the UK. After his success at Invesco Perpetual, Neil went on to build his own company, Woodford Investment Management, and the
  • Changes to Cazenove Funds

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

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

  • How to Consolidate Student Loans

    SLH Staff
    11 Jul 2014 | 10:10 am
    To consolidate student loans, student loan borrowers have 2 options depending on the type of student loan. 1) Direct Consolidation Loan for Federal Student Loans Under the Direct Consolidation Loan Program provided by the Department of Education, student loan borrowers are eligible to consolidate multiple federal student loans into one Direct Consolidation Loan. When consolidating […]
  • How to Lower Student Loan Interest Rates

    SLH Staff
    10 Jul 2014 | 12:47 pm
    Want to lower your student loan interest rate? Most borrowers have 3 options: 1) Sign Up for ACH Payments By signing up for ACH payments most lenders offer a .25% interest rate reduction on your student loans. ACH allows the bank to automatically deduct monthly student loan payments from your bank account, and decreases the […]
  • How to Find Your Student Loan Information

    SLH Staff
    9 Jul 2014 | 10:53 am
    You can find all of your student loan information, including servicers and balances 4 different ways. 1) Request a Free Credit Report Under Federal Law, you are entitled to obtain one Free Annual Credit Report from each credit reporting bureau, once a year. The three credit reporting bureaus are Equifax, TransUnion, and Experian. All of […]
  • How to Discharge Student Loans via Bankruptcy

    SLH Staff
    9 Jul 2014 | 8:37 am
    Declaring bankruptcy to discharge your student loans isn’t easy or fun as in “The Office”. (video below) Even the word “bankruptcy” sounds serious.  And it is.  Under federal law, you have the right to declare bankruptcy relief from your creditors, including student loans, but this comes at the cost of hurting your credit for several […]
  • 5 Banks to Refinance and Consolidate Student Loans

    Andrew Josuweit
    2 Jul 2014 | 9:16 am
    Last Updated: July 14, 2014 Finding the right bank to refinance or consolidate your student loans can be confusing. Fortunately, we’ve highlighted a few banking organizations to help you find private and federal student loan refinancing or consolidation options that fit your financial situation. Keep in mind, most banks require a minimum of 640 credit […]
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    From the Desk of Robert Jacobs

  • Build a Cash Flow Management Plan in 30 days (That Works) Part 3

    Robert
    21 Jul 2014 | 3:20 am
     This week’s post focuses on the third step (part 3) on how to build a cash flow management plan. Organizing your budget categories is the precursor for laying out your budget on paper. In the past two weeks, I have covered how to get started and the gathering of data. Now it’s time to organize the data we collected. In the last post, I had you write down every transaction with the date, payee, amount, and what type of transaction (i.e. groceries, fuel, credit card payments). Based on the data you collected and transaction types, write down all of the transaction types on a…
  • Build a Cash Flow Management Plan in 30 days (That Works) Part 2

    Robert
    14 Jul 2014 | 3:00 am
     Last week, I started a series on how to build a cash flow management plan in 30 days (or so). Creating such a plan for your personal finances does not happen over night. Especially if you have never put together a budget. In this week’s post, I will discuss the gathering of information for your plan. As I stated last week, the first part is getting started. This is the hardest step, this step includes realizing that there is a problem and if you don’t know where your money is going, there is a problem. If you (and your spouse if you are married) can decide where you want to be…
  • Build a Cash Flow Management Plan in 30 days (That Works) Part 1

    Robert
    7 Jul 2014 | 3:00 am
     Who manages your cash flow? Are you really in charge of it? How do you know? You really don’t unless you actually create one and implement it. Cash flow management is not a theory, it is real life application that can make or break your financial well-being. I have explained many times that the budget (cash flow plan, spending plan) is the most important part of your financial plan. It will determine: If you have six figure income, the difference between being wealthy or wealthier (unless you are buried in debt) If you have the average American salary (around $50-60k), the…
  • How to Solve Wealth Inequality

    Robert
    23 Jun 2014 | 3:27 am
     President Obama says that wealth inequality is one of our biggest challenges in America today. So what is the solution? How do you solve wealth inequality?   photo credit: photosteve101 via photopin cc I don’t think it can be done. Why? History. There hasn’t been a country or society that has had equal wealth since man roamed the earth. There have been attempts, but it has always failed. Examples of such failures are socialism or communism. The Soviet Union which is now Russia had a communist government for years. The government officials held the wealth while the…
  • Negativity and Complaining

    Robert
    16 Jun 2014 | 9:37 am
     Negativity and complaining is a lot like bad breath, no one wants to smell it or be around it. So, if you want to complain or be negative about a situation, be aware that most people don’t want to hear it (or smell your bad breath).
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    Modest Money

  • Planning Ahead with Burial and Funeral Insurance

    Adam
    24 Jul 2014 | 2:01 am
    Even though death is a sure thing, our end-of-life care and funeral expenses often suffer from lack of planning. Of course, no one likes to think about these sad events, but to let the decisions and financial burden pass on to your loved one is also undesirable. As many financially-savvy people are entering their later years, it becomes increasingly important to have some of these decisions worked out ahead of time. Very often, left unplanned, they will be passed on to people you care about during a time of bereavement. The high cost of funerals and burials can also come as a shock at times…
  • Deadly Pitfalls of Webpreneurship (and How to Recover from Them)

    Adam
    23 Jul 2014 | 6:15 am
    The following is a post by Sara Stringer. If interested in submitting a guest post please read my guest post policy and then contact me. The start of an online business is a truly thrilling experience, especially if it’s one that is starting from home. From home, you are no longer restricted in what tasks you perform because you are the boss and you call the shots. All the ideas you generate are ones you can freely pursue, so you’re no longer limited in the scope of your work. Because of the web and its immense amount of available resources, any individual can take an idea, form a plan,…
  • Charitable Donations That Don’t Require Your Checkbook

    Adam
    22 Jul 2014 | 6:15 am
    The following is a guest about donations. If interested in submitting a guest post please read my guest post policy and then contact me. Many people truly enjoy giving to their favorite charities. Some even earmark a portion of their income each year to be given as a charitable contribution. However, some people have found themselves in a financial bind and they’re unable to make the donations that they have in the past. Others have never been able to afford to donate cash, but would love to contribute in other ways. It’s true that charities need cash, but they also need help in other…
  • Jumping Back Into Self Employment

    Jeremy Biberdorf
    21 Jul 2014 | 6:15 am
    As some of you already know I recently made the jump back in self employment. Ok it was actually a couple months ago but I’ve been working too hard to fit in any kind of announcement. I had been itching to make the move for a while now. Once you get that taste of self employment, I think most people will usually want to give it another shot eventually. Not only is the potential to earn more a lot higher, but it also sure is nice to have the extra freedom. Dealing With My Previous Job My plan was to stick it out at my job longer and ensure my online income was diverse enough. After my…
  • What’s Up With The Ghetto Retail Payment Processing in the US?

    Jeremy Biberdorf
    18 Jul 2014 | 6:15 am
    I think the US likes to think of themselves as a fairly tech savvy country. They might not be right at the forefront like some Asian countries, but technology is rather prevalent in the USA. According to US Census, in 2012 nearly 75% of households had internet access at home and almost 80% had a computer at home. These are higher rates than any other country in the world and I’m sure it’s just kept increasing since then. Once in a while I drive from Vancouver down to Seattle and the surrounding area. You’d think that with the border only half an hour, everything should be…
 
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    Take A Smart Step

  • Are You a Good Candidate for Financial Coaching?

    Andrea
    2 Jul 2014 | 10:43 am
    Thinking about hiring a financial coach? Not sure if you are a good candidate for financial coaching? Ensuring that coaching is right for you can save you time and money. Following are some traits and factors that will help you get the most from coaching, plus one bonus trait for working specifically with me! Action Taker You need to be action oriented. If you can’t take action on ideas that you and your coach came up with, then it’s a waste of time and energy.   You have to be willing to take action, it is the only way to get ahead. The Timing is Good You have to be ready to do the…
  • Biggest Roadblocks to Financial Success

    Andrea
    1 Jul 2014 | 10:24 am
    Often times I’m asked what the biggest roadblock is to financial success. For the most part there are two problems that you need to deal with when achieving financial success. The first is mindset – not believing that you can manage your money or that you can ever change your financial situation. If you don’t believe that you can be financially successful, if you don’t believe that you can grow a strong company, if you don’t believe that you can learn about investing, then guess what, you never will. Our mind is a powerful tool and until you get your mind thinking that you can…
  • Top 10 Non-Fiction Books Everyone Should Read

    Andrea
    1 Jul 2014 | 2:00 am
    I was recently asked which non-fiction books should be at the top of the list for a new college graduate wanting to work on personal development and their finances. Upon creating my list I realized that these books were not just great for new college graduates but anyone wanting to better their life. Millionaire Mind by Thomas Stanley – I consider this an absolute must for anyone who wants to create real lasting wealth.  It will help clear up myths and get your mindset right!  (Once you have read this one, not much of a need to read his others, unless you want more statistics). The…
  • How to Switch Banks

    Andrea
    17 Jun 2014 | 2:00 am
    Have you finally moved your accounts to a new bank after years of disliking your old bank? Before you get too excited and close down your old account you will need to do some final things to switch banks. Here is exactly what you need to do!  (Text below if you prefer.)     Watch on YouTube: How to Switch Banks Steps to take after you have opened a new checking account and need to switch everything from the old account! 1. Keep open the old account for a while – put in a couple hundred dollars for a few months.  This allows you to catch any expenses you forgot about and get…
  • Ladies Stop Putting Off Investing: How to Start Investing Today

    Andrea
    3 Jun 2014 | 2:00 am
    Women are starting more businesses, making more money and basically rocking it! However, we are still not investing the way we should. Be bring home the bacon and then never cook it to perfection! In this week’s video we look at why you need to be investing and how to get started!  (Below are the three tips to get you started investing)       How to Start Investing Figure out what you want.  When you know why you are investing and why you want to grow your wealth, the fear starts to go away. You have to know your why, to want to do it! Start slow – you do not need to…
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    NerdWallet's Money-Saving Tips

  • Planning and Portfolio Meet at the Behavioral Crossroads

    Advisor Voices
    24 Jul 2014 | 6:34 pm
    By Jonathan DeYoe Learn more about Jonathan on NerdWallet’s Ask an Advisor The single best piece of advice, which I received early in my career and have given hundreds if not thousands of times in the past 20 years, is a combination of planning and investment advice. Before you invest you have to know what you are investing for. “Making more money” is not an investment goal. “Beating the market” is not an investment goal. “Beating your neighbor, friend, or wife’s brother” is not an investment goal. Each of these is a setup. The things that you might…
  • No, Popular Movies and TV Shows Don’t Influence Baby Names

    Heather Yamada-Hosley
    24 Jul 2014 | 5:25 pm
    What’s in a name? According to Freakonomics, your name can reveal a lot about you, including your socioeconomic status and the political leanings of your parents. But what about your parents’ favorite movie characters? Nameberry, a site that bills itself as a smart resource for background about baby names, says that among the top 100 girls names for 2013 their users wanted to know about two in particular that featured in recent popular films—Katniss and Merida. “The Hunger Games,” a dystopian tale with the bow-and-arrow-wielding Katniss as its hero, came out in 2012…
  • Mortgage-Free Retirement May Trump Tax-Deductible Interest

    Advisor Voices
    23 Jul 2014 | 1:22 pm
    By Matt McCoy Learn more about Matt on NerdWallet’s Ask an Advisor As we all know, the one benefit of paying all of that interest on our mortgages is that it generally creates a tax deduction. And if you have been carrying a mortgage for a good portion of your adult life, you have become accustomed to—and plan around—that deduction come tax time each year. In fact, I have listened to multiple clients use the deductibility of interest as a reason for keeping debt, even when they have the means to pay it off and remain financially secure. Are they right? Let’s take a look. First…
  • What You Should Do to Prepare for End of Life—Right Now

    Advisor Voices
    23 Jul 2014 | 1:21 pm
    By Martin Weil Learn more about Martin on NerdWallet’s Ask an Advisor 60% of people say that making sure their family is not burdened by tough decisions is “extremely important.” — The Conversation Project What would happen to you if you were incapacitated? What would happen to your affairs if you died? Do you know? If you’re like most Americans, a relative, close friend or perhaps even a stranger will be thrust into the position of making decisions about your well-being or finances. They will probably have little or no preparation, and no understanding of your wishes—simply…
  • How I Paid Off My Credit Card (and Still Had Fun)

    Advisor Voices
    23 Jul 2014 | 1:18 pm
    By Chris de Lorimier Learn more about Chris on NerdWallet’s Ask an Advisor Four (maybe five… or more) years of college behind me and I am finally ready to start earning money in the real world. I got myself a real “adult” job and can’t wait for payday. I know in the back of my mind that I should probably deal with those credit card bills that come each month, and, thankfully, I have six months before I have to start paying the student loans. Payday comes and the money goes: rent, utilities, Internet, cell phone, food, fun, etc., etc., etc. Where did it all go? A few months go…
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    The Truth About Credit Cards.com

  • If Your Credit Card Application Is Being Reviewed, Call the Reconsideration Line

    Colin Robertson
    24 Jul 2014 | 12:11 pm
    Nowadays, credit card applications always seem to say something like “instant approval,” or “get a decision in just 30 seconds.” That excites you, and before you know it, you’re involuntarily filling out the form, seemingly losing control of your own fingers. Then you hit the submit button, only to get the dreaded, “Your application is [&hellip
  • How the $6,500 Spending Requirement Works on the Amex Blue Cash Credit Card

    Colin Robertson
    21 Jul 2014 | 12:17 pm
    Recently, I wrote about how the old Blue Cash card from American Express can be a big winner, and that it’s still available, though no longer advertised. The huge caveat associated with the card is that you need to spend $6,500 before the 5% cash back categories actually get triggered. The first $6,500 in spending [&hellip
  • Three Credit Cards That Offer 2% Cash Back or Double Points on Every Purchase 365 Days a Year

    Colin Robertson
    17 Jul 2014 | 2:36 pm
    If you’re not into the rotating bonus categories, and/or take a more casual approach to earning rebates with your credit cards, you might be interested in credit cards with bonus year-round earnings potential. So I’ve decided to single out three credit cards that come with 2% cash/points back on all spending all year long. Consider [&hellip
  • American Express SimplyCash vs. Chase Ink: Which to Swipe With?

    Colin Robertson
    15 Jul 2014 | 1:07 pm
    If you’re comparing business credit cards, you’ve probably taken a look at Chase Ink, and maybe the SimplyCash Business credit card from American Express. There are plenty of differences (and some similarities) between these two credit cards, so let’s determine which is best for you and your wallet. First and foremost, both Chase Ink and [&hellip
  • How to Get Your Credit Card Sign-Up Bonus and Earn Cash Back

    Colin Robertson
    27 Jun 2014 | 12:25 pm
    One of the great things about credit cards is the sign-up bonus many of them offer these days. But the big catch is the spending required to actually snag the bonus, which some might argue is counterintuitive, or worse, a quick path to unwanted debt. What’s that old saying, “You can go broke saving money.” [&hellip
 
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    Moneycation

  • What are some of the regulations that come with being a public company?

    A.W. Berry
    24 Jul 2014 | 6:00 am
    By Jeremy BensonGoing public is a multi-step process that requires a lot of paperwork. This part of the process often attracts the most attention by companies considering going public – a major venture that is best done with the outside help of a company that is wise and experienced in the ways of bringing about a public offering.As a quick reminder, remember there are usually five steps to launching an IPO.Launching an initial public offering often requires underwriting and planningStarting preparationDone a half-year before the filing date of the IPO prospectus, this stage includes…
  • Financial news: 07/24/2014

    A.W. Berry
    24 Jul 2014 | 3:00 am
    • Reuters: Money market funds to no longer be valued at $1per share• NYT: Low income banking arrangements are becoming more common• CNBC: The majority of false Obamacare subsidies are approved per GAO• CNN: Fed policy, GDP growth, optimism and valuations support bulls• Fox: Banks have eased their business loan standards to compete better• DOL: Jobless claims 07/19; 284K ↓19 K; average 283K ↓7.25K • AP:U.S. economic growth lowered .3% to 1.7% by IMF• Bloomberg: Low salaries & weak resumes curse recession graduates• MW: Monetary policy has been idealistic and misses…
  • How to get an internship in finance

    A.W. Berry
    23 Jul 2014 | 5:00 am
    Making a good impression is key to landing an internshipBy Harry Price In today’s employment market, getting your foot in the door can be extremely difficult. You will often hear “We feel you haven’t got enough experience” or that they have found someone with relevant skills. It is very competitive and you will be up against people with a bit more experience than you. How do you get that experience? For students straight out of university, there is the option of internships. In this setting, you will learn from experienced specialists in a professional environment. It is a very useful…
  • Financial news: 07/23/2014

    A.W. Berry
    23 Jul 2014 | 3:00 am
    • NYT: Short-term business spending overrides long-term capital spending goals• CNN: Detroit retirees favor pension cuts per court documents with vote record• DoL: Consumer prices rose .3% or 3.6% annualized in June per CPI• Bloomberg: Affordable Care Act healthcare subsidies are illegal per appeals court• CNBC: DoJ expected to challenge appellate court ruling against Obmamacare• Reuters: McDonald's Corp. net income ↓1% to $1.39B or $1.40/share in Q2, '14• ZH: The financial structure of Social Security is similar to a pyramid scheme• NAR: Second hand home sales rose 2.6% or…
  • Newsletter: U.S. marijuana's financial future

    A.W. Berry
    22 Jul 2014 | 6:00 am
    Moneycation - July 2014 newsletter; Vol#2, Issue#5 from Moneycation
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    LCF on Personal Finance

  • The 7 deceptively simple Virtues a milionaire knows and won’t tell you – until you asked

    ChingFoo Lieu
    21 Jul 2014 | 7:42 am
    The silent millionaire. The millionaire next door. The deceptive millionaire. The millionaire in disguise. The term above is used to describe a financially savvy millionaire who not easily recognizable just by looking at the car he drives or the home he stays. Although having a million of net worth in Malaysian Ringgit isn’t as impressive as it used to be, it is still by no means a simple feat – when you see the Malaysian household debt gets higher every year. Millionaire goes much deeper than just the ringgits and cents. He is a man of virtue. He knows them well, forms his life…
  • Why the Spotlight Effect may make you Stressed & Unhappy despite having Money

    ChingFoo Lieu
    8 Jul 2014 | 8:32 am
    Why spending lesser than you earn is so damn freaking hard to do despite it being a very simple concept that a 5 years old can understand? It is a simple maxim which forms the foundation of personal finance success, yes? It’s the core of EVERYTHING. Trouble brews when people don’t feel alarmed getting into deficit all the time. It is so hard because the answer lies in our mind. Our psychology. Our mind is playing this trick on us. Pay attention to this section: Ponder over this question honestly: Unless you’re specifically looking for it, how often do you really notice the…
  • The Magic Number which represents the Tipping Point of Happiness: 75,000 a year

    ChingFoo Lieu
    23 Jun 2014 | 6:07 am
    When it comes to how much we are earning a year, there is a direct correlation to its ability to bring you happiness.  Of course, this totally makes sense because according to Maslow’s hierarchy of needs – if you currently can’t afford a decent home or enough food to feed your family, then more money substantively improves your situation. However, the catch is this – there is a “virtual ceiling” to this direct correlation – and that number is 75,000. Local currency probably applies (not strictly in USD context) Backed by research, according to a new…
  • What we can learn from World Cup and then apply it to investing

    ChingFoo Lieu
    15 Jun 2014 | 3:04 am
    A balanced 4-4-2 formation, a defensive 4-5-1 strategy or an aggressive 4-3-3 stance? There are surprisingly many ways to skin a cat when it comes to investing to achieve our financial goals; similarly there are a plethora of tactics or strategies to win a soccer tournament. If you notice, depending on the opposing team he is currently up against, the team manager tweaks the strategy to adapt, but he will never adopt a formation which makes the team imbalance. Apply this simple mental exercise to your financial formation immediately. But what do we mean by that? A 10-0-0 formation in…
  • The Investment Enemies we faced – they are probably not what you thought

    ChingFoo Lieu
    3 Jun 2014 | 8:29 pm
    We cannot beat the market. No one does. Those who thinks they can have yet to come out from of world of investment fallacy. For retail investors, the handicap we all have is that we lack the tools, time and sophisticated research to outperform the full-time pros. But perhaps the worst of all is that we have to somehow suppress the innate human trait – psychological weakness in greed and fear. These are our natural enemies of investment. Enemy#3: Mr Market Benjamin Graham described Mr. Market as an opponent who will buy your shares or offer you some stocks. Mr. Market can be emotional…
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    Money Soldiers

  • What is the Best Way to Consolidate Your Debt?

    Arnel Ariate
    23 Jul 2014 | 5:01 am
    No matter what any of the personal finance books tell you, having debt isn’t something that you should feel ashamed of.  Don’t sweat it.  Most of us have had to take out loans for school or have had to live on credit cards for a while between jobs.  What matters is how you approach your […]What is the Best Way to Consolidate Your Debt? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Business Acrobatics: Don’t Knock it ’Til You Try It

    Arnel Ariate
    20 Jul 2014 | 10:19 pm
    If you’re trying to run a pool care service in central California, you may find that during severe droughts like the one this area is currently experiencing, your company cell phone is probably not ringing off the hook.  Likewise, if you’re trying to operate a pizza carryout joint in an area laden with reasonably priced […]Business Acrobatics: Don’t Knock it ’Til You Try It is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Using a Forex Demo Account: Does it Really Help?

    Arnel Ariate
    18 Jul 2014 | 5:44 am
    A demo account becomes an all important tool for potential traders during their learning period.  It is a virtual account provided to them so that they can practice well before venturing into real trading.  The demo account, however, represents real market conditions, so that traders secure a hang of the real marketing conditions.  You can […]Using a Forex Demo Account: Does it Really Help? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How Fault is Determined After a Car Accident

    Arnel Ariate
    1 Jul 2014 | 1:38 am
    Rear-end automobile collisions are one of the most common types of collisions on the road today.  Understanding the rules of the road and following the procedures in place for filing insurance claims is essential for winning your case. You may be one of the many drivers who benefit from rear-end collision, which are usually minor […]How Fault is Determined After a Car Accident is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • 5 Keys to Hiring a Reputable SEO Company

    Arnel Ariate
    30 Jun 2014 | 4:44 am
    A successful marketing strategy today involves much more than just placing a few ads.  Every company knows that customers are online, which means they are searching for you there, and one key component to successful marketing is to optimize the place where you rank in online search (called search engine optimization, or SEO).  If you […]5 Keys to Hiring a Reputable SEO Company is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
 
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    Hull Financial Planning

  • Are You Prepared to Deal With the Human Side to Real Estate Investing?

    Jason Hull
    22 Jul 2014 | 3:23 am
    “Tragedy is a tool for the living to gain wisdom, not a guide by which to live.” –Robert F. Kennedy I’m a big fan of real estate investing, particularly if one of your financial goals is to achieve PIRE. We own several properties ourselves and continue to accumulate rental properties. Given that I have zero […]Learn to beat your Monkey Brain and Accelerate Retirement. Are You Prepared to Deal With the Human Side to Real Estate Investing? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Six Things You Won’t Learn About Real Estate From…
  • Does Your Financial Planner Really Need to be Local?

    Jason Hull
    18 Jul 2014 | 3:20 am
    “They usually have two tellers in my local bank, except when it’s very busy, when they have one.” –Rita Rudner I recently attended a seminar about the state of the Fort Worth and Dallas housing market, put on by the real estate editor of the Dallas Morning News. He was talking about how demographic trends […]Learn to beat your Monkey Brain and Accelerate Retirement. Does Your Financial Planner Really Need to be Local? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How Much Should a Financial Planner Cost? The Four Questions You Should…
  • How Much Would You Have to Budget to Go to the World Cup in 2018?

    Jason Hull
    14 Jul 2014 | 3:25 am
    “We’ve prepared the best we can. We’re ready for it. It’s not about talking. It’s about getting out there and showing by our actions.” –Clint Dempsey I’ve been a soccer fan all of my life. My wife and I went to the World Cup in 2010. We didn’t go in 2014; instead, I spent nearly […]Learn to beat your Monkey Brain and Accelerate Retirement. How Much Would You Have to Budget to Go to the World Cup in 2018? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How Much Would You Have to Budget to Go to the World Cup in 2014? Why Do We…
  • Beware the Storytellers

    Jason Hull
    11 Jul 2014 | 3:26 am
    “The most dangerous people are those who have been taught some financial literacy.” –Tyler Cowen “You can’t learn how to become a doctor by watching Grey’s Anatomy.” –Charles Barkley Whenever I meet new people, I invariably tell stories. Whether it’s stories about messing with 419 scammers or funny things that happened when I was deployed […]Learn to beat your Monkey Brain and Accelerate Retirement. Beware the Storytellers is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Beware of the Minsky Moment Beware the Rules of…
  • Hey, You Paying Off That Debt!

    Jason Hull
    8 Jul 2014 | 3:20 am
    Yeah. You made mistakes. It stinks looking at that long road ahead. Your friends go out. They have a good time. They have nice things. You scrimp and save. You don’t spend on anything that isn’t absolutely necessary to keep your family clothed, fed, and sheltered. You have to say no when invited to join […]Learn to beat your Monkey Brain and Accelerate Retirement. Hey, You Paying Off That Debt! is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Small Business Debt is Debt Too Why Paying Assets Under Management Fees is Like Getting a Car Loan From A…
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    Listen, Money Matters!

  • Budgeting Allocation with PT Money (Ep. 122)

    Candice Elliott
    24 Jul 2014 | 3:00 am
    PT Money, one of the most influential people in personal finance and founder of FinCon, shares some tricks to make budgeting easier and more effective. The post Budgeting Allocation with PT Money (Ep. 122) appeared first on Listen, Money Matters!.
  • How to Become a Dividend Aristocrat (Ep. 121)

    Candice Elliott
    23 Jul 2014 | 3:00 am
    What is a dividend and what is an aristocrat dividend? Adjust your monocle and we'll find out. The post How to Become a Dividend Aristocrat (Ep. 121) appeared first on Listen, Money Matters!.
  • Advanced IRA Strategies with the Mad Fientist (Ep. 120)

    Candice Elliott
    22 Jul 2014 | 3:00 am
    Our guest the Mad Fientist delves deep into IRA strategies. Find out why you should have one and which one will best fit your needs. The post Advanced IRA Strategies with the Mad Fientist (Ep. 120) appeared first on Listen, Money Matters!.
  • A Non-Political Discussion on Social Security (Ep. 119)

    Candice Elliott
    21 Jul 2014 | 3:00 am
    Social security is a decisive topic but we'll give you the facts while leaving the politics aside so you can draw your own conclusions. The post A Non-Political Discussion on Social Security (Ep. 119) appeared first on Listen, Money Matters!.
  • Our Twelve Financial Philosophies (Ep. 118)

    Candice Elliott
    20 Jul 2014 | 3:00 am
    We're breaking down Listen Money Matter's Twelve Financial Philosophies. Think and meditate on them and then live by them. The post Our Twelve Financial Philosophies (Ep. 118) appeared first on Listen, Money Matters!.
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    Equifax Finance Blog

  • Does My Child Have a Credit Report?

    Teri Cettina
    24 Jul 2014 | 5:02 am
    If your child is a minor, he or she really shouldn’t have a credit file. After all, your child isn’t eligible for credit cards, mortgages, or other loans—the kinds of items that would appear on a credit report. Unfortunately, identity thieves can steal children’s personal information, including their Social Security numbers (SSNs), and use that data to open credit accounts in their names. If an identity thief uses your child’s information to apply for credit, you might not find out about the theft until he or she tries to apply for college loans or other credit. By then, thieves…
  • Six Tips for Choosing an Auto Insurance Policy

    Ilyce Glink
    23 Jul 2014 | 4:59 am
    Insurance ads are everywhere you look. They promise low rates, helpful service, and quality coverage. With so many options available, it can be difficult choose the right policy or even to know where to start looking. If you’re feeling overwhelmed, you’re not alone. According to a 2010 survey by the National Association of Insurance Commissioners (NAIC), more than half of Americans don’t understand the basics of auto insurance, and only 45 percent are confident that they know how to make the best decision. To help protect yourself and your car before you hit the road, do your research.
  • Should You Give Your Kid a Credit Card?

    Teri Cettina
    22 Jul 2014 | 5:57 am
    Perhaps your teen is getting to the point where carrying around cash isn’t so convenient any longer. Maybe she’s signing up online for a crafts class, but she needs a credit card to do so. Or perhaps your student is away at college, and you’d rather he not carry a wad of $20s to the bookstore to pay for $400 worth of textbooks. Is it time to let your teen or college student get a credit card? First, you should know that the federal government has made it much tougher—thankfully—for anyone under age 21 to get a credit card. The Credit Card Accountability Responsibility and Disclosure…
  • How to Financially Plan for Assisted Living

    Jacob Edward
    21 Jul 2014 | 5:56 am
    Preparing for eventual care needs as we age is becoming a critical part of every American’s retirement planning. Retirees are living to a more advanced age, and funds need to last longer than ever before. The further in advance you plan, the better off you are likely to be if and when you need long-term care or face other major healthcare costs. Planning your future It’s hard to tell someone who is approaching retirement that he or she might have to plan for long-term care needs in the future. It’s a little like telling high school graduates that they might need to start…
  • Five Mid-Year Tax Tips

    Eva Rosenberg
    18 Jul 2014 | 5:47 am
    Tax season doesn’t end when you file your taxes on April 15. Tax issues continue all year round, so it’s important to regularly assess your tax situation, and now—halfway through the year—is the perfect time. At this point, you probably have some idea about the direction in which your personal balance sheet is headed, and you likely have some financial expectations for the rest of the year as well. Here are a few things to consider when reviewing where you stand with Uncle Sam: Do you need to adjust your withholding? Review your withholding and figure out whether you need to make…
 
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    Bargains with Brittanie

  • *HOT* FREE $5 to Spend at Kmart or Sears! Must Sign-Up Today!

    Brittanie
    24 Jul 2014 | 10:08 am
    In the past I’ve talked about the Shop Your Way Rewards Program from Kmart and Sears but with the new promotion happening tomorrow I thought it was worth mentioning again. Tomorrow (July 25th) current Shop Your Way Rewards Members will receive a FREE $5 to spend at Kmart or Sears! The best part is there […] The post *HOT* FREE $5 to Spend at Kmart or Sears! Must Sign-Up Today! appeared first on Bargains with Brittanie.
  • Dozen Sharpie Markers only $6.00 + Free In-store Pickup!

    Brittanie
    24 Jul 2014 | 9:32 am
    If you are looking for a great deal on Sharpies for back to school check out these! Right now Staples is offering select Dozen Sharpie Markers for only $6.00 + Free In-store pickup! With this deal you are paying only $0.50 per sharpie which isn’t a bad price at all! You can get the Fine Point […] The post Dozen Sharpie Markers only $6.00 + Free In-store Pickup! appeared first on Bargains with Brittanie.
  • Teachers Get 10% Back for School Supply Purchases at Walmart through 7/31!

    Brittanie
    24 Jul 2014 | 7:32 am
    July 25th through July 31st Walmart is celebrating Teacher Appreciation Week. During this week Teachers can get 10% back for School and classroom supply purchases made! This rebate is valid for all K-12 teachers. Here is how to get the rebate: Teachers must make classroom supply purchases in-store 7/25 – 7/31. Teachers will need to go […] The post Teachers Get 10% Back for School Supply Purchases at Walmart through 7/31! appeared first on Bargains with Brittanie.
  • Baby Bottle Bath Salts Favors

    Brittanie
    24 Jul 2014 | 7:00 am
    Favors are a great way to show appreciation to your guests for attending your baby shower. If you are looking for a fun and inexpensive favor idea then check out this post! I am sharing with you the Baby Bottle Bath Salts Favors I made for my baby shower. To go along with it, I […] The post Baby Bottle Bath Salts Favors appeared first on Bargains with Brittanie.
  • FREE Disney Frozen Backpack! Act Fast!

    Brittanie
    23 Jul 2014 | 9:44 am
    What a perfect back to school FREEBIE! Right now you can get a FREE Disney Frozen Backpack from Kmart and TopCashBack! Here is how: Head over to TopCashBack.com and sign-up for a new account. Once you’ve created an account click the link above and you will be directed to this deal. You will see where is says […] The post FREE Disney Frozen Backpack! Act Fast! appeared first on Bargains with Brittanie.
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    The Simple Money Blog

  • Ten financial commandments to live by in your 20′s

    Kirby
    14 Jul 2014 | 4:30 am
    KJ: If you were to create Ten Commandments that would apply to your financial life in your 20′s, what would be on the list? Fortunately, MSN money recently wrote an article on 10 financial commandments for your 20′s that outlined … Continue reading →
  • What do rich people do everyday that’s different?

    Angela and Kirby
    7 Jul 2014 | 4:30 am
    AJ: We’ve been busy lately, REALLY busy. When I came across this article (Entreprenur.com), it provided a welcome perspective as to why we keep cramming things into our lives even when our cups already runneth over. This post feels like … Continue reading →
  • How does the Affordable Care Act affect me? You may be impacted even if you have employer health insurance.

    Kirby
    30 Jun 2014 | 4:30 am
    KJ: With this year bringing a lot of healthcare changes we wanted to dedicate a post to some of the changes that have occurred and what you may be going through (or will go through). We stumbled across a nice … Continue reading →
  • What does cash flow mean and how do I apply it to my life?

    Kirby
    9 Jun 2014 | 4:30 am
    KJ: One of the most critical concepts to managing your family’s finances is to understand cash flow. What it means, how your family receives it, and how to plan around it. We’ve dedicated a post to helping you understand this … Continue reading →
  • Would you take a job with more money or more flexibility?

    Kirby
    27 May 2014 | 5:00 am
    KJ: Surely the job that would pay you the most should be top priority and make the decision of what path you take an easy one, right? The reality is that most of us at some point in our lives … Continue reading →
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    My Money Design

  • Want to Know How to Sell Things Online Fast?  Just Ask My Wife to Put It on Facebook!

    MMD
    21 Jul 2014 | 2:00 am
    This week, thanks to my wife, the MMD household made a ton of money on the side.  But this wasn’t our usual passive income or blog revenue. Nope.  This was different.  This week my wife completely schooled me in the art of how to sell things online fast – all by using Facebook! Who knew [...] The post Want to Know How to Sell Things Online Fast?  Just Ask My Wife to Put It on Facebook! appeared first on My Money Design. [Click here to read more]
  • How to Double Your Money the Safe and Smart Way

    MMD
    14 Jul 2014 | 2:00 am
    Blackjack.  Hot-pick stocks.  These are the kinds of silly things people usually think about when it comes to doubling their money fast. Unfortunately when it comes to methods like that, the story usually ends with them not only NOT doubling their money but also losing all of their initial investment too. Ever since I was [...] The post How to Double Your Money the Safe and Smart Way appeared first on My Money Design. [Click here to read more]
  • Niche Website Update 19 – Using the 80-20 Rule to Adjust My Priorities – Plus $1,295 in Income

    MMD
    7 Jul 2014 | 2:00 am
    Before we get to the latest developments with my side-income generating efforts using my niche website portfolio (and what a great month it was), I wanted to pause for a minute and have everyone try a short exercise I used this month. I was on vacation recently when I had a moment of clarity and [...] The post Niche Website Update 19 – Using the 80-20 Rule to Adjust My Priorities – Plus $1,295 in Income appeared first on My Money Design. [Click here to read more]
  • Little Known Tips for Saving Money While Traveling

    Staff
    6 Jul 2014 | 5:00 pm
    Go to just about any travel website or blog and you’ll find them.  There’s tons of great money-saving advice for travel that are well-known such as searching for the lowest airfare at various online sources or packing light to avoid extra baggage fees.  However, there several useful tips for saving money while traveling still go [...] The post Little Known Tips for Saving Money While Traveling appeared first on My Money Design. [Click here to read more]
  • How Video Conferencing Technology Can Reduce Costs for Government Bodies

    Staff
    2 Jul 2014 | 3:49 am
    Traveling for meetings has always been a budget killer in any field of business.  While most of the time this cost is absorbed by company itself, who pays for those expenses when the employee works for the government?  The tax-payers? Clearly there is a need to improve upon travel costs whereever possible.  That is where [...] The post How Video Conferencing Technology Can Reduce Costs for Government Bodies appeared first on My Money Design. [Click here to read more]
 
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    The Quizzle Wire

  • The non-financial advantages to buying a house

    Miranda Marquit
    24 Jul 2014 | 6:00 am
    In a few days, I will put my home on the market. My husband has a shiny new job across the country, and we are going to try to unload the house. Because selling a house is an iffy thing, and because there are a number of factors involved, we called in a real estate agent. After going through everything and providing a market analysis, we talked numbers. I was not surprised to find that, in a worst-case scenario, we would have to come up with $10,000 cash money to sell our house. If we can be super-awesome with the way we market our house, we might be able to get away with paying nothing…
  • Does your financial plan have one of these seven problems?

    Miranda Marquit
    23 Jul 2014 | 12:30 pm
    Many of us know that we need to make budgets to help us manage our money. We might also know that a long-term financial plan is an important part of ensuring success down the road. You might be putting money aside in a 401(k) and planning when you’ll retire. However, even with a monthly budget, and even with a long-term plan that includes items like saving for your kids’ college costs and getting ready for retirement, you might be missing a few things. According to Forbes contributor Erik Carter, here are seven things you might need to consider for your financial plan: Emergency savings:…
  • Secrets to Saving Money as a Wedding Guest

    Stephanie Halligan
    23 Jul 2014 | 6:00 am
    ‘Tis the season for wedding registries, bridesmaid dresses, bachelor and bachelorette parties, and every other expense imaginable related to getting married. If you’re in your twenties or thirties, summertime probably means spending a lot of time on two things: soaking up some rays and lounging in the sun and travelling to, attending and paying for weddings – and wondering how you’re going to stay out of debt in the process. From airfare to a fancy destination wedding to the pressure of buying something from the wedding registry that seems thoughtful enough (i.e. not cheap), being a…
  • 5 Ideas for Cutting Your Health Care Costs

    Miranda Marquit
    22 Jul 2014 | 11:00 am
    Health care costs continue to rise. According to the Kaiser Family Foundation, annual premiums for families increased 4 percent in 2013. It’s a lost smaller increase than what consumers saw 10 years ago, when annual increases of 10 percent were common, but it’s still an increase, and a report from PricewaterhouseCoopers suggests that medical cost growth overall will increase by 6.8 percent in 2015. With health care costs set to continue to rise, many consumers are asking themselves what they can do to reducing their own costs going forward. If you are looking for ways to go about cutting…
  • 10 Amazingly Awesome Warren Buffett Quotes To Live By [Infographic]

    Guest Blogger
    22 Jul 2014 | 9:30 am
    When it comes to investing, personal finance, or the economy there’s one man the world turns to for insight and advice. Everyone from college students, budding entrepreneurs, to big wig CEO’s will drop what they’re doing to hear what he has to say. Even President Obama turns to him on occasion for economic advice. Enter Warren Buffett; one of the richest men on earth and undoubtedly one of the most successful investors and businessmen of all time. According to Forbes magazine his current net worth stacks up to around $63 Billion. Last year alone he added $12.7 Billion to his net worth,…
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    Credit Card Insider - Research, Discover and Compare Cards » InsiderCredit Card Insider - Research, Discover and Compare Cards

  • How Should I Start Paying Down Student Loans?

    John Ulzheimer
    21 Jul 2014 | 5:19 am
    You’ve graduated and are now trying to enter the world of the working wage earner.  You are to be congratulated on your efforts to walk away from school with a degree in your hand, but now you have a new problem about which to worry: your student loan debt. Many are calling student loans the […] The post How Should I Start Paying Down Student Loans? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Review of the Citi® Dividend Platinum Select® Visa and the Citi® Dividend Card for College Students

    Brendan Harkness
    21 Jul 2014 | 1:00 am
    The Citi® Dividend Platinum Select® Visa and the Citi® Dividend Card for College Students are both great cards from Citi. The former is suited for people with an excellent credit history, while the college card is for young people who are just starting to build their credit. They offer similar rewards, interest rates, and fees, though the […] The post Review of the Citi® Dividend Platinum Select® Visa and the Citi® Dividend Card for College Students appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Three Stereotypes Millennials Prove Dead Wrong (and One That’s True)

    Kimberly Rotter
    18 Jul 2014 | 8:39 am
    Millennials get a very bad rap when it comes to personal finance savvy. A recent survey by the Transamerica Center, however, debunks many common beliefs about millennials in the context of retirement planning. More than 4,100 American adults, including at least 1,000 millennials (here defined as those born between 1979 and 1996), answered questions about retirement planning […] The post Three Stereotypes Millennials Prove Dead Wrong (and One That’s True) appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Our Top 3 Picks for Credit Cards for Fair Credit

    John Ulzheimer
    18 Jul 2014 | 7:56 am
    Credit cards have become so commonly used in commerce that it has actually become an inconvenience if you are unable to successfully apply for one. People with great credit have absolutely no problems opening a card, or multiple cards.  People with horrible credit can’t get them, even with today’s more relaxed lending standards. There is […] The post Our Top 3 Picks for Credit Cards for Fair Credit appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Learn Better Money Management with Mint.com

    Kimberly Rotter
    16 Jul 2014 | 6:08 am
    Mint.com is a real-time personal money management tool that gives you a helpful snapshot of where you are and where you’re headed, financially speaking. Mint offers budgeting, goal setting, trend-watching, investment analysis and money-saving tools, most of which are fully customizable. How It Works The user must enter login details (usernames, passwords, security question answers, […] The post Learn Better Money Management with Mint.com appeared first on Credit Card Insider - Research, Discover and Compare Cards.
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    SideHustle HQ

  • 7 Mistakes to Avoid as You Launch and Grow Your Side Hustle

    SideHustleHQ
    24 Jul 2014 | 6:24 pm
    If you’ve never started your own side business before, it can take some time to get comfortable with the idea of being your own boss.  However, the first step to achieving the success you desire is to never stop believing that your dreams can be realized. While many wage earners and professionals try to strike out on their own, unfortunately, many will stop before reaching their goals. Those who give up on their dreams usually do so for predictable reasons. If you want your side business to flourish, you need to avoid the following mistakes. Neglecting to Draft a Blueprint In the end,…
  • Making Money with a Minecraft Server

    SideHustleHQ
    20 Jul 2014 | 3:58 pm
    In many ways, Minecraft is one of the most surprising pop culture successes to hit the Internet in the past few years. Remarkably simple yet highly addicting, the cloud-based gaming environment draws its fan base from all walks of life. What few burgeoning entrepreneurs realize is that you can actually make a fair amount of money by hosting your own Minecraft server. Potential profits can run into the thousands of dollars per month if you play your cards right. Best of all, it’s incredibly easy to get started. Sketch Your Business Plan Ultimately, your Minecraft server  will act as a…
  • Designing and Selling Jewelry as a Side Business

    SideHustleHQ
    18 Jul 2014 | 6:50 pm
    For entry-level entrepreneurs, the luxury goods market is the best place to cut one’s teeth. Start-up costs can be surprisingly low and profit margins encouragingly high if you go in with a plan. Designing and selling unique pieces of jewelry like necklaces, bracelets, rings and earrings can make entrepreneurs a tidy little sum. The keys to raking in the dough with a jewelry business are preparation and execution. When launching your own jewelry line, the following steps will be critical if you expect to succeed. Come Up with a Plan Before you get started, you need to come up with a…
  • Starting a Bait Fish Side Business

    SideHustleHQ
    17 Jul 2014 | 9:15 pm
    Wherever you  live, it’s likely that fishing is a popular pastime in your area. Even some extremely arid locales boast many promising angling opportunities. Depending on how many fishing enthusiasts inhabit your particular region, a bait fish side business can lead to healthy profits without requiring a massive investment of time or money. Though launching a bait shop isn’t difficult, there’s more to the business than you’d think. Here are a few tips to get your bait shop off of the ground. Draft a Business Plan Crafting a game plan that will work for you requires a…
  • Making Money as a Coffee or Tea Distributor

    SideHustleHQ
    10 Jul 2014 | 3:37 pm
    Whether you’re looking for a side income or a full-fledged career, becoming a coffee or tea distributor is a great way to achieve either goal. If you really study your economics, you’ll find that the greatest fortunes in history were derived from simple commercial transactions completed on a grand scale. Considering the popularity of caffeine-based beverages, it stands to reason that distributing coffee and tea can make you a mint. If that sounds like an appealing option, the following rough business blueprint should be of great assistance to you. Selecting a Market Niche No…
 
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    Debt Consolidation USA

  • Here’s The Truth: Buying A House Is Not Always A Good Investment

    Lizzy Bale
    23 Jul 2014 | 1:11 am
    We’ve always been told that buying a house is a good investment. Well, that is true, but that is not the whole picture. This is just our way of justifying the fact that we are borrowing money to pay for the house. A home loan is always advertised as a good debt because it allows […] The post Here’s The Truth: Buying A House Is Not Always A Good Investment appeared first on Debt Consolidation USA.
  • 3 Options When You Can No Longer Afford Your Home Loan Payments

    Lizzy Bale
    21 Jul 2014 | 6:49 pm
    Are you thinking about refinancing your home because you are having difficulties keeping up with your monthly payments? Homeownership can be very expensive especially under our current circumstances. There are so many payments that you need to pay off on top of your home loan. While your mortgage may be a fixed cost on your […] The post 3 Options When You Can No Longer Afford Your Home Loan Payments appeared first on Debt Consolidation USA.
  • 3 Pitfalls Of Windfall Profits

    Lizzy Bale
    18 Jul 2014 | 7:48 pm
    Windfall profits can be very exciting. This is an unexpected amount that you get outside of you regular income. It does not matter if the amount is big or small. What gets you excited is the fact that you have this extra money in your hands. Investopedia.com defined this as a huge profit that is […] The post 3 Pitfalls Of Windfall Profits appeared first on Debt Consolidation USA.
  • 5 Ways You Can Protect Yourself From Phantom Debt Collections

    Lizzy Bale
    15 Jul 2014 | 11:59 pm
    Debt is a stressful financial situation to be in – especially when you have started defaulting on your payments. The main reason that it is so stressful is dealing with creditor harassment. But while it is bad enough that you are being harassed for debts that you owe, nothing is more frustrating than being hounded […] The post 5 Ways You Can Protect Yourself From Phantom Debt Collections appeared first on Debt Consolidation USA.
  • How To Choose A Debt Solution Based On Your Financial Standing

    Lizzy Bale
    14 Jul 2014 | 8:46 pm
    Based on the recent reports, it seems that we will always be in need of a debt solution. According to an article on Time.com, Americans are still concerned about the state of their financial future. 6 out of 10 participants of their survey revealed that they are worried about the long term financial security of […] The post How To Choose A Debt Solution Based On Your Financial Standing appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • How to Pay Collection Debt

    Kate Swenson
    21 Jul 2014 | 7:04 am
    Like so many during the Great Recession, you lost your job and had to prioritize expenses.  Maybe you had to break a cable contract so you could manage the house payment, or you had to defer paying medical bills until things improved.  It wasn’t easy not paying all your bills because you always had, but it was the right thing to do. You are working again. Maybe earning less than at the job you lost, still things are looking up.  You received a nice tax refund that you prudently hung on to until you had a complete plan for it.   Part of your plan is to pay off some of those bills that…
  • Should I Co- Sign For a Loan?

    Kate Swenson
    17 Jul 2014 | 10:50 am
    A lot of people want to help out someone in their lives. They see someone they care about struggling financially and want to lend a helping hand. Compassion is an admirable quality, but when you co-sign for a loan, you’re putting your financial well being at risk. Even if it’s your son, daughter, girlfriend, boyfriend, or cousin; more often than not, it’s a bad idea to co-sign for a loan. “But what’s the worst that could happen?” The answer: A lot of things. When you co sign for a loan you’re telling the lender that if this person doesn’t pay, then you’ll make sure the loan…
  • How to Decide if Owning Horses is Right for You

    Kate Swenson
    8 Jul 2014 | 6:38 pm
    The other day, two of my favorite co-workers stopped in my office to suggest a blog topic. They had recently worked together at a health fair and were approached by several people looking for information about how to afford large animals like big dogs and horses. My co-workers came to me knowing I’m on the blogging team, and that I have personal experience since I have 2 horses and 2 German Shepherds. So, after giving it some thought and reviewing our budget for animal-related expenses, I plunged right in. A WORD OF CAUTION In the interest of full disclosure, I want to be honest – owning…
  • 3 Things to Do Before Leasing a Car

    Kate Swenson
    2 Jul 2014 | 8:31 am
    Time for a new car.  The ads on TV touting low monthly leases are enticing, especially when you compare them to a monthly payment for a new car.  But, is it really a good idea?  As usual, the answer is, “It depends.”  One:  Evaluate your transportation needs First, you need to know how many miles you typically put on your car.  Lease agreements limit the number of miles, often 12,000 or 15,000 annually.  If you put on more miles, you will increase the cost of leasing, either by paying for additional miles up front or a hefty and painful fee at the end of the lease. Then ask…
  • Debt Conquering Strategies

    Kate Swenson
    26 Jun 2014 | 6:41 am
    So you have credit card debt. Or medical debt or even student loan debt. Or a combination! It could be a lot or a little. Maybe you are successfully making payments but the balances aren’t going down. Or it’s to the point where you are afraid to answer the phone and get the mail. Wherever you are a nonprofit credit counseling agency like LSS can help. The key is that you’ve realized it’s time to make a change. Let’s look at 5 ways you can CONQUER YOUR DEBT. Debt Management Plan (DMP) Find peace of mind with an affordable, consolidated monthly DMP deposit and a…
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    Minting Nickels

  • The Real Costs of Payday Loans

    Justin
    22 Jul 2014 | 7:20 am
    According to the National Australian Bank, as much as 15 per cent of the population has obtained at least one Payday loan in recent years. These loans may seem like the perfect solution to a short-term financial problem, but it can lead to even more serious financial problems. This is because many people do not take into account the real costs of obtaining a payday loan before agreeing to one.   Often times those applying for a payday loan are those who can least afford them, yet the easier approval process allows them to take on these loans. Many people would be better off utilising…
  • Are Millennials more shrewd than we give them credit for?

    Justin
    22 Jul 2014 | 2:00 am
    Let’s face it,  anytime you hear news about “millennial’s” it’s almost always accompanied by a negative slant about how so many of them still live at home with their parents. Recent Pew Research numbers show a record 57 million Americans, approximately 18% of the US population, living in multigenerational households, mostly due to the fact that an increasingly large number of 25 to 34-year-olds are still living at home. The scorn that has been rained on this generation, Including how they are causing problems for automakers, homebuilders, appliance manufacturers and other companies…
  • The Reasons Why Payday Loans Make Sense

    Justin
    21 Jul 2014 | 3:09 pm
    Payday loans are quite convenient. While the fees and interest rates are high, it is often the only option for consumers in a bind. One of the benefits is that the lender is not going to ask why you need the money. With traditional loans, the reason for borrowing the money has to be stated as some banks and lenders won’t provide funds for an invalid reason. Emergency Funding When an emergency arises and you don’t have time to try and sell items or negotiate with a pawn shop, online payday loans are the answer. As long as you have a steady job and a valid checking account, you’re…
  • 6 Ways to Make & Save Money with Your Car

    Melissa Batai
    3 Jun 2014 | 6:10 am
    The average Australian family owns 1 car, though from the number of 3 and 4 car garages many new homes have, it’s clear that plenty of Australian families have multiple vehicles. Cars offer great independence, but they can also cost us quite a bit.  From the seemingly never ending rise in gas prices, to monthly lease or loan payments, to auto insurance, to regular maintenance and routine repairs, our cars cost us. However, there are plenty of ways that you can make money from your vehicle.  Consider these five ways: 1. Sign Up for the Office Car Pool Car pools help people save money…
  • How to Get Auto Insurance for New Cars

    Kyle Taylor
    2 Jun 2014 | 10:35 am
    Drivers in the United States cannot avoid mandatory regulations that require the purchase of automobile insurance. With some online browsing, consumers can find affordable insurance policies for their used or new vehicles. These days, some of the largest insurance agencies try to launch effective online marketing campaigns that are aimed at attracting new customers. There are various incentives offered to drivers. For instance, brand new customers may qualify for an instant discount on car insurance just by signing up. Bundle packages on insurance policies can also lead to big time savings.
 
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    Debt RoundUp

  • Hawaiian Airlines Credit Card Review – Earn Flights to Hawaii

    Grayson Bell
    24 Jul 2014 | 9:02 am
    Want to travel to Hawaii?  Then start earning rewards with the Hawaiian Airlines credit card.  The reason I am reviewing this credit card is because my wife and I are looking to book a trip to Hawaii next year.  This is a place we have always wanted to go, but just haven’t pulled the trigger.  Our friends went on their honeymoon there and loved it.  Right now the Hawaiian Airlines credit card is providing some good sign up bonuses and perks.  This will be my next card that I churn.  Since I like to research things before I pull the trigger, I figured I would put together this…
  • Investing 101: Understanding the 4 Main Investment Vehicles

    Grayson Bell
    24 Jul 2014 | 2:30 am
    When you first enter into the world of investment, it’s easy to feel like you aren’t sure which way to go with your money. There are just so many ways to make your money work for you!  But with so many options available, it becomes easy to delay making a decision as you search for the right investment vehicle for you. There are a number of ways you can build wealth and keep your wealth growing on its own. The trick is to understand each of your options and build a portfolio that meets your needs and tolerance for risk, growth, and longevity. Before you throw your hands up in despair…
  • How a Scarcity Mindset Can Get You Deep Into Debt

    Laurie
    23 Jul 2014 | 3:45 am
    In Grayson’s recent article, he talked about why a scarcity mindset will keep you poor.  Boy, did that post ring a bell with me.  All throughout the article, I recognized characteristics and behaviors that had plagued my husband and I for years.  So I thought I’d share today how our (former) scarcity mindset was a key factor in getting us into big-time debt. The Jekyll/Hyde-ness of the Scarcity Mindset The scarcity mindset is a double-edged sword. Since it plays into your fears of not having what you need, it can: A) cause you to spend money you wouldn’t normally or…
  • How One Simple Excel Mistake Cost Me $10,000

    Grayson Bell
    21 Jul 2014 | 2:30 am
    Today, I am going to share with you about a day I still remember.  This is about when I was running my e-commerce business and rocking the money flow.  I was in the midst of the holiday shopping season. It was between Black Friday and Christmas.  For those of you who don’t know, that is when most retailers and shops earn their money.  It is called Black Friday because companies would run in the negative (red) through most of the year, yet on that Friday, they would sell enough to get them into the positive (black).  I knew first hand how important the holiday shopping season was.
  • How to Unlock Your Phone on the Big Carriers

    Grayson Bell
    18 Jul 2014 | 8:41 am
    I talk a lot about cell phones and their respective services.  Why?  First, I love technology, absolutely love it.  It is my weakness and the main reason why I started my e-commerce business back in the day.  Second, I realize cell phones are very popular.  Almost everyone has one and they are now a mainstay in our lives.  Third, I feel everyone deserves the opportunity to get good service at a good price.  I typically review and talk about discount services instead of the big boys, but that all depends on how I feel!  I review these services to give anyone the opportunity to find a…
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    Phroogal Blog

  • Casinos and Your Money. Where do you stand?

    The Phroogal Jason
    23 Jul 2014 | 3:26 pm
    A couple years ago, a client called me to share she just won money. She was leaving a casino and decided to put $20 into a slot machine. A few minutes later the lights illuminated and bells rang. She just won $4,000. It’s a story like this that fuels our gambling dreams. But, those instances are actually very rare. We just tend to repeat those stories over and over. Recently, I was asked a question about casinos and if there could possibly be any good reason to visit one. My answer might surprise many of you who’ve followed my writing because my answer is a yes and no. Let’s first…
  • Four Tips When Bringing Family on Business Trips

    Valencia Higuera
    22 Jul 2014 | 11:34 am
    When I was growing up, there were times when my father traveled for work; and early in my marriage my husband took a few company trips. So, I understand how work-related travel can cut into family time. You might miss milestones, special events and other celebrations. And depending on how often you’re away, business travel can trigger guilt. I was fortunate. My father brought us on a couple trips, and I was able to accompany my husband on 90 percent of his trips. These were unique circumstances and I realize that this isn’t an option for everyone. But with some planning, you…
  • Save Money, Stay Cool: Saving Energy During the Summer

    The Phroogal Max
    20 Jul 2014 | 10:01 pm
    As much as it pains me to say it, this summer is almost over. While having the AC on full blast to deal with the excruciating heat as you were watching the World Cup, you’ve probably used a lot of energy and power to keep yourself comfortable. It has also probably cost you a pretty penny, but there isn’t much you can do now except learn from your habits. It’s never too early to start planning ahead for the future, so here are some helpful tips for conserving energy and staying cool that’ll save you money for many summers to come! Program Your Thermostat A programmable thermostat can…
  • 4 Ways to Travel on a Budget

    Athena Lent
    18 Jul 2014 | 5:00 am
    Alternative Travel Tips One of things that I had always dreamed of doing when I was younger but didn’t actually get to start doing until my mid-twenties was traveling. Now that I’ve started, it’s become something I can’t stop! I can tell you tons of different reasons to travel but my favorite reasons for traveling are partaking in new experiences and learning more about myself as I navigate across the country. However, I try to make my budget stretch as far as possible and alternative travel tips are one of the ways to make that possible. Airbnb Airbnb is a great way to stay in an…
  • Why Not All of Your Retirement Savings Should Be Tax-deferred

    Phroogie Guest Blogger
    17 Jul 2014 | 4:56 am
    Why Not All of Your Retirement Savings Should Be Tax-deferred Kevin Mercadante | Out Of Your Rut You can never get enough tax-deferral – especially when it comes to retirement planning, right? Don’t be so sure. I realize that I may be committing a financial heresy by advocating this, but at least some of your money should be held in non-tax deferred investment assets by the time you retire. What’s the problem with Tax-deferral? Let’s start by focusing on the word deferral. It doesn’t mean tax-free – it means delayed, as in the tax liability is delayed to a future date.
 
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    Investing in Your 401k Kid | RSS Feed

  • Wants vs. Needs: Teaching Kids About Money

    Bret
    19 Jul 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids One of the most important things we can teach our kids – whatever their age – is to recognize the difference between a “want” and a “need.”  Mastering this one simple concept can have a profound impact on future financial health.  Additionally, it’s not enough to simply recognize the difference; it’s important to be unashamed to call a thing what it is.  “I don’t want to buy that, but I really need it.”  “This is the coolest thing…
  • Psst! Your Kids Are Probably Spies!

    Bret
    12 Jul 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids In case you haven’t realized it yet, I thought you should know:  If your kids are anything like mine, they are probably spies.  They might as well have a direct line to the NSA. They’re always watching you, monitoring your movements, your spending habits, and your conversations.  They are profiling you.  It’s not because they have some nefarious plans to overthrow the household (well, they might, actually) but because it’s their job.  They are hard-wired to mimic you.  They…
  • Do What I Do, Not What I Say: Balance Your Checkbook!

    Bret
    28 Jun 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids By: Michael Do you balance your checkbook every month?  Actions speak louder than words.  It may be trite, but it’s true.  Your kids are watching what you do, and they’re much more likely to make good choices if you’re modeling those good choices for them. How often do you balance your checkbook?  What’s your attitude when you’re balancing your checkbook? We ask our kids to keep their accounts in balance every month.  They track all of their spending, and then enter those…
  • Quarters at Dairy Queen: Teaching Little Kids to Earn Money

    Tracie
    21 Jun 2014 | 8:30 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Eight years ago when we started our kids on a budget we had no idea what we were doing. We decided we wanted to teach our kids to earn money, but we really weren’t sure how it would all turn out.  So we pushed through and figured it out and, for the most part, it went really well. But our kids were 7 & 8 years old at the time.  Since then, people have asked us how to teach younger kids to earn money.  We’ve written about that in the book and had (what we thought) were great ideas, but we…
  • What Caused Me to Kill My Kids’ Allowance?

    Bret
    14 Jun 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Last week we held our annual family meeting (details were given out in our June newsletter, which you can still receive by entering your email in the box to the right on our site), and I threw a surprise on the table that shocked everyone: I told them that there would be no allowance paid this summer. I’ll admit, it was a spur of the moment decision. Tracie and I didn’t talk about it before hand. I just sprung it on them because it felt like the right thing to do. I’ll describe how I got there –…
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    Find Your Balance

  • Discharging Student Loans Through Bankruptcy

    llok11
    24 Jul 2014 | 8:45 am
    Student debt is weighing on you like a baby grand piano on your back. You honestly have no idea how you can make payments. You’re considering throwing up your hands and declaring bankruptcy to rid yourself of the unworkable debt. But not so fast. There are a few things you need to know before you go down this path. Who can have loans discharged? In order to have your student loans discharged, you must show that paying them would cause an “undue hardship” for you and/or your dependents. Generally speaking, in practice this is a very tough standard to reach. How is hardship…
  • Regular vs. Student Credit Card

    llok11
    22 Jul 2014 | 8:45 am
    If you’re a college student, a credit card can be a great way to learn the ins and outs of using credit wisely while also building a nice credit rating. But it’s important to keep in mind that just because your card has the same logo as mom’s or dad’s, that doesn’t mean all the terms are the same. While credit card companies are willing to offer you a credit card, they still see your student status as a risk. You likely have a small income – if any – and scant experience using credit. Because of these factors, the issuer of your student credit card is…
  • Homeowners Insurance Discounts Checklist

    llok11
    17 Jul 2014 | 8:45 am
    Does looking at the rates for your homeowners policy make you long for the days of renting…or even living under someone else’s roof? If so, don’t throw in the towel just yet. There are ways to save on homeowners insurance that you may not have even thought of yet. As an added bonus, some of them involve steps you may have already taken to improve or protect your house. Be sure to ask your insurance provider about discounts for: Smoke alarms Sprinklers Fire extinguishers Security cameras Alarm systems Deadbolt locks New electrical writing New furnace New foundation New pipes Roof…
  • How to Rent Like You’re Going to Own

    llok11
    15 Jul 2014 | 10:56 am
    If you’re currently renting an apartment but would like to own a home someday, you’ve probably started to think about what it will take to get the keys to that house. As a renter, you should know that there are a number of ways you can use your time paying for your lessor’s mortgage as a springboard toward getting your own. Live below your square footage means Bottom line: splurging on a big apartment with all the extras can feel satisfying, but it can also take money away from your home-buying goal if it comes with a bigger price tag. Consider downsizing your current living situation…
  • How to Keep RFID Credit Cards Safe

    llok11
    10 Jul 2014 | 5:45 pm
    Many technologies have emerged in the past few years to make your financial life easier. However, these new tools have also created the potential for criminals to find new ways into your sensitive data. RFID credit cards are a chief example of this new dynamic. What are they? RFID stands for radio frequency identification. Like a smart phone, these smart cards allow for transactions to take place without the card being swiped in a card reader. The technology is intended to make paying for goods and services as simple as possible. It is often marketed as way to pay by “tapping” or…
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    Gajizmo

  • Common Craigslist Scams

    Gary
    21 Jul 2014 | 5:09 pm
    Once upon a time, everyone had to buy multiple newspapers and check endless listings of classified ads if they were looking for a job, car, home or apartment. With the advent of the internet, anyone in any part of the world can now visit Craigslist, an online classifieds site sorted by city, to buy and sell products and services. While I love Craigslist for its amazing service and simplicity, the website has also opened the door to scammers, con artists, thieves, hustlers and your everyday shady business dealers who are trying to separate you from your money with nothing in return. Even…
  • Reasons To Change Jobs

    Gary
    14 Jul 2014 | 2:41 am
    Leaving one job and starting another, especially in a different career or industry, can be particularly stressful. There are many good reasons to change jobs, but before leaving a position it is important to think about how this change will benefit you personally, professionally, and financially in the long run. In some cases, it may make sense to discuss the reasons for the change with your immediate supervisor. Communication with your employer can make a difference in future references and, in some cases, might lead to a different position or greater pay within the same company. Even if you…
  • Best Ways To Save Money

    Gary
    10 Jul 2014 | 2:48 am
    Saving is a bit like dieting; it may not be enjoyable, but if you keep the goal in sight and exercise some restraint, you can succeed. With dieting, you make a meal plan, and with saving, you make a budget. The goals may seem like opposites since with dieting you want to get thinner and with savings you want your bank account to get fatter; however, both require a leaner more disciplined approach to daily living. You can use your PC or laptop to keep your budget or your cell phone may have an app. If you don’t have a device that works for budgeting, use an old fashioned ledger and write…
 
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    Personal Finance AdvicePersonal Finance Advice

  • The Use of Technology in Retirement

    Chris Bibey
    9 Jul 2014 | 4:34 am
    As a senior, you are likely enjoying your life in retirement. There is no more long commute to the office. There is no more answering to others. There is no more wondering if you are going to lose your job. Along with the above, there is no more income flowing through in the form of a steady paycheck. For this reason, your financial situation today is nothing like it was when you were still part of the workforce. During this stage of your life, it is imperative to have a firm grasp on your finances. This will allow you to answer questions such as: What are your primary sources of income? How…
  • Is Now the Time for a New Car? Three Questions to Answer

    Chris Bibey
    30 Jun 2014 | 4:58 am
    There will come a time in the future when you must decide between keeping your current car and buying a new one. As tempting as it may be to pull the trigger on a new set of wheels, you must take a step back and consider the pros and cons before doing so. Although every buyer is in a unique position, there are three questions you can answer that are sure to put you on the right path to a confident decision: 1. Will a new car fit into your budget? There are many details that go into this question, including your current car payment (if you have one), your new car payment, and insurance and…
  • Affordable Car Insurance Starts with these Three Steps

    Chris Bibey
    20 Jun 2014 | 5:51 am
    Are you buying car insurance for the first time? Are you interested in changing to a new provider for one reason or another? If you answer yes to either question, you know that finding affordable, quality coverage is extremely important. As challenging as it may sound, there are steps you can take to find an affordable policy, without giving up anything in terms of coverage. 1. Request multiple quotes. Believe it or not, there are people who buy a car insurance policy after obtaining one quote from one company. This may lead you towards an affordable policy, but how will you ever know for…
  • What to Expect from a Car Salesperson

    Chris Bibey
    30 May 2014 | 4:40 am
    When the time comes to purchase a new (or used) car, you may be dreading the dealer experience. Are you going to be pressured to buy? Will you make a poor decision because you don’t know what you are doing? These are the types of questions that will swirl around your head, making you want to avoid this experience at all costs. There used to be a day and age when most car sales people would do whatever it took to make a sale. Fortunately, the industry has improved as of late, with a growing number of sales associates hoping to actually help the customer along the way. While you should never…
  • Being Frugal Takes the Right Mental Approach

    Chris Bibey
    16 May 2014 | 5:33 am
    Being frugal is easier said than done. Even though you may be interested in saving money, no matter what it takes, if you don’t have the right mental approach you will find yourself coming up short. Once you change your approach, it will not be long before you are realizing the benefits of living a frugal lifestyle. In fact, you may soon find that this is easier than you ever believed possible. Getting in the right frame of mind means doing all of the following: 1. Having the strength to say no. Do you have the willpower to hold off from spending money when you know it is a bad idea? At…
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    Mad Fientist

  • Guinea Pig – Update #4

    The Mad Fientist
    21 Jul 2014 | 4:52 am
    Welcome to the six-month update for the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. So, we’re halfway through the first year and the GP is making great progress. Let’s take a look at the FI Laboratory graphs for both the normal and the optimized GP scenarios. If you haven’t started tracking your own progress yet, sign up for a free Personal…
  • Roth IRA Horse Race

    The Mad Fientist
    15 Jul 2014 | 6:50 am
    I have a strategy the guarantees you’ll make a fortune betting on horse races. It’s very simple, actually. The idea is you bet a certain amount of money (x) on the horse that is favored to win. If the horse wins, great! You walk away with x and you can go home happy. If the horse loses, however, you have to bet 2x on the next race’s top horse. If that horse wins, you’ll win back what you lost in the first race and you can go home with x winnings. If the horse loses, you’ll have to double your bet again and continue doing that until you eventually win. The favored…
  • Brand New Lab Coat

    The Mad Fientist
    7 Jul 2014 | 4:57 am
    I’m very excited to introduce a completely redesigned Mad Fientist! I spent the last couple of weeks hacking CSS and HTML and I have to say, I’m actually very pleased with the results. Mobile In addition to being faster, better looking, and easier to read, the site is now responsive as well so that means it will look good on all different types of mobile devices. Try it out now on your phone to see how nice it looks! I’ve added a mobile icon so if you add the site to your phone or tablet homepage, it will put an icon on your screen (which will make it feel more like an app…
  • Guinea Pig – Update #3

    The Mad Fientist
    20 Jun 2014 | 6:07 am
    Welcome to the third update for the Guinea Pig (GP) experiment. The GP experiment allows us to follow the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in this series, visit the Archives page and scroll to the Guinea Pig section. So, it seems the market has continued its march upwards since our last update. The GP is making great progress and is no doubt feeling pretty happy about his decision to pursue FI. Let’s take a look at the FI Laboratory graphs for both the normal and the optimized GP…
  • First Taste of Independence

    The Mad Fientist
    5 Jun 2014 | 6:50 pm
    Every so often in the travel world, amazing deals arise and if you’re flexible enough to take advantage of them, you can book some incredible trips for very little money. Up until now, my work commitments have kept me from booking any of these deals but since I’ll be leaving my full-time job within the next month or two (whoa!), I was finally able to book one of these ridiculous bargains. Foiled Plans This story starts with some broken dreams, however. As I described in my American Airlines Explorer post, I had previously planned a big trip to slowly take my wife and I to Asia…
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    Getting Ahead, A Personal Finance News & Exchange

  • The 4-1-1 on 401(k): Part 2

    23 Jul 2014 | 5:30 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/savings-plan.jpg?sfvrsn=5" title="savings plan" alt="savings plan" /><br /> <br /> A 401(k) plan is one of the most popular retirement plans around and can be an extremely effective investment vehicle if you&rsquo;re lucky enough to have access to one. But getting the most out of a 401(k) requires an understanding of how employer contributions factor into your investment, as well as how &mdash; and when &mdash; Uncle Sam receives his due.</p>…
  • The 4-1-1 on 401(k): Part 1

    21 Jul 2014 | 5:30 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/piggy-401k.jpg?sfvrsn=3" title="piggy 401k" alt="piggy 401k" /><br /> <br /> As if the world of savings and investment wasn't complicated enough, when it comes to retirement planning, the conversation always seems to start with enigmatic numbers &mdash; 401(k). The numbers themselves are fairly meaningless; they&rsquo;re simply the formal designation for the section of the Federal tax code that sets the rules governing tax-sheltered savings plans.
  • Building Equity in a Down Housing Market

    16 Jul 2014 | 6:00 am
    <p>After the housing bubble burst, many Americans saw their home equity collapse. Now would be a good time to assess your situation.</p> <img src="http://usequityadvantage.com/images/default-source/Blog/Images/mini-house-600.jpg?sfvrsn=0" title="Mini house " alt="Mini house" /> <p> </p> <p>When you purchase a home, your equity essentially starts off with the amount of money you applied as a down payment toward the purchase price (assuming you bought for market value). The mortgage represents the part of the home&rsquo;s…
  • Summer Staycation Strategies to Save You Money

    14 Jul 2014 | 6:00 am
    <img src="http://usequityadvantage.com/images/default-source/Blog/Images/sweet-home-600.jpg?sfvrsn=0" title="Home Sweet Home" alt="Home Sweet Home" /> <p>Imagine a vacation without gridlock on the roads, a musty overpriced hotel room, or lost luggage at the airport. Having a staycation in your own town is a great way to stretch your vacation dollars.</p> <p> </p> <p><strong>The ground rules. </strong>Unplug from work emails and let coworkers know you're "away," just as you would if you were actually…
  • Investing 101: Selecting a Mutual Fund — Part 2

    9 Jul 2014 | 5:30 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/shutterstock_132263861.jpg?sfvrsn=1" title="Decisions about investing" alt="Decisions about investing" /><br /> <br /> Mutual funds began gaining popularity in the 1970s as a way for investors to easily spread the risk of investing in U.S. stocks over a &ldquo;basket&rdquo; of different companies. The mutual fund manager bought a group of stocks, and the investors bought units or shares of the fund, which gained or lost value as the price of the stocks…
 
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    Rockstar Finance

  • Why We Love Talking To Young People About Money

    J. Money
    24 Jul 2014 | 3:30 am
    “One part of our workshop this week was asking the group what they were passionate about. Sports? Family? Social Justice? Education? Friends? It’s fun to ask anyone what they care most about in the world. This gives you a glimpse into their hearts and what makes them tick. Next we ask them the top three items they spend money on. We got answers like: coffee, gas, entertainment, food. Finally we asked the group a question: Are any of your passions reflected in where you spend most of your money? This receives an interesting response.” Check out the entire post here:…
  • How I Make Thousands From Side Hustles

    J. Money
    24 Jul 2014 | 3:15 am
    “I’ve gotten into selling scrap metal as well. I don’t scour Craigslist for old washers or dryers people leave out, but instead I collect cables and wires. Think about when you buy a new electronic item. It always comes with the basic red/yellow audio visual cable. Why, I have no clue. I take these and put them in a small box. I also collect any other copper wire that I no longer need – extension cords, power cords, s-video cables, telephone cords – you name it, I put it in the box. Insulated copper wire like this doesn’t sell for hundreds of dollars, but last time I went, it…
  • Building a Snowball

    J. Money
    24 Jul 2014 | 3:00 am
    “I started my snowball with $5,000 back in early 2010. Not a particularly big snowball at the start, as I was only able to produce $269.33 in dividend income that year. But I’ve continued to add snow and roll that thing downhill, and I’m going to earn more than $5,500 in dividend income this year. That’s after four years. I realized at 27 years old I was standing at the top of a really long hill – if I could continue living for quite a while – so there was this incredible opportunity ahead of me. Now my snowball is almost $170,000. It’s not self-propelling quite yet, but…
  • Borrow Money For Things That Go Up In Value

    J. Money
    23 Jul 2014 | 3:30 am
    “Here’s a simple MBA lesson: borrow money to buy things that go up in value. Borrow money if it improves your productivity and makes you more money. Leverage multiplies the power of your business because with leverage, every dollar you make in profit is multiplied. That’s very different from the consumer version of this lesson: borrow money to buy things that go down in value. This is wrongheaded, short-term and irrational.” Check out the entire post here: SethGodin.typepad.com —– [Photo cred: taxcredits.net]
  • How and Why to Make Yourself Poor

    J. Money
    23 Jul 2014 | 3:15 am
    “I invest a huge portion of my money so I never really have a bunch of cash just lying around. I used to joke with a girlfriend that I didn’t have money because I spent it on my mutual fund expense ratios… Right now, I save 85% of my income… I save 50% in my Roth 401(k), 10% into my Employee Stock Purchase Program, $5,500 annually in my Roth IRA, and the rest of what I don’t need to live off of in a taxable account. So essentially, I’ve severely restricted my money wasted possibilities.” Check out the entire (hilarious) post here: FirstQuarterFinance.com…
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    Doctor Of Credit

  • Targeted AmEx Offer: $10/$15 off Cell Phone Bill Payment

    Chuck Sithe
    24 Jul 2014 | 4:39 pm
    You can see our introduction to AmEx offers here. The Offer Spend $75 to pay your AT&T, Sprint, Verizon or T-Mobile cell phone bill online and receive a statement credit. Some got a $15 credit offer, others got a $10 offer. Unlike most AmEx offers which can only be used once per card, this offer can be used up to 3 times; you’ll get the $10/$15 credit 3 times if you pay 3 bills of $75 each. You can  register multiple cards using the multi-tab trick and you’ll get the credit 3 times per registered  card. Offer valid until November 15,2014. The basic offer is for online cell…
  • Chase Ink Plus Now 70,000 Points When You Apply In Branch, Annual Fee of $95 Not Waived

    William Charles
    23 Jul 2014 | 4:36 pm
    The Offer Receive 70,000 Chase UR points when you apply for a Chase Ink Plus in branch and spend $5,000 within the first 3 months Image via cyin from FlyerTalk The Fine Print Annual fee of $95 is NOT waived for the first year (this is usually waived) Limited time offer, the same offer was available last year and it lasted approximately a week These are business credit cards. You can apply using your SSN instead of an EIN, but you’ll  normally be denied. You’ll then need to call reconsideration and plead your case. They will ask you some basic questions about your “business” before…
  • [Expired] $25 Off Any $100+ Purchase At Staples.com (Excluding Gift Cards) Via Visa Checkout

    William Charles
    23 Jul 2014 | 4:01 pm
    Staples/Visa have suspended this promotion. It’s expected to become live again tomorrow. This time excluding gift card purchases.  The Offer Direct link to offer Get $25 off your order of $100 or more when you pay with Visa check out. This offer will not appear until you get to the check out screen. There will then be an option to Pay With Visa Check out. Select this option and you should see mention of the promotion. Clicking the direct link should also show you the promotion, but keep in mind this might mess up using a shopping portal. [Read: Tips for getting a portal to track…
  • Does Discover Count 7-Eleven as a Gas Station?

    Chuck Sithe
    23 Jul 2014 | 3:45 pm
    The Offer Discover and Chase Freedom both offer 5% cashback at gas stations this quarter, July-September. You can view our full list of 5% cashback cards here. We previously mentioned that some people have reported success cashing out the 5% Freedom category by purchasing OneVanilla gift cards at 7-Eleven; 7-Eleven is using coded by Visa as a gas station even when it’s not attached to a gas station at all. See here for the full list of Visa Merchant Category Codes. We were naturally curious about the possibility of cashing out Discover 5% the same way. I went to 7-Eleven on  July…
  • [Targeted] Get An Additional $10 Gift Card When You Purchase A $50 Giftcard At Amazon.com

    William Charles
    22 Jul 2014 | 6:00 am
    The Offer Direct link to offer Receive a $10 promotional credit when you purchase $50 in Amazon.com gift cards, you’ll need to be signed into your account to see if you’re eligible: Enjoy this exclusive Gift Cards offer… Thank you for your interest in Amazon.com Gift Cards. Unfortunately, you are not eligible for this offer. The Fine Print Valid until July 31st, 2014 $10 promo credit will be applied by August 15th, 2014 Must purchase one $50 gift card (purchasing two X $25 will not trigger the bonus) Our Verdict If you purchase items regularly from Amazon, it’s always…
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    moneypantry.com

  • How to Make $100 a Day with a 15 Dollar Bottle (Fast & Easy)!

    Satrap
    24 Jul 2014 | 2:24 pm
    I have talked about different ways you can make an extra $15 or $30 rather quickly, here and here. Well, today I am going to share a simple, yet effective method that almost anyone can use to earn $100 or more a day. And it all has to do with cars! The purchase of a car is a significant investment for most of us. And we would like that investment to stay shiny and new looking for as long as possible. Unfortunately, however, this is not that case. Cars get old and the door handles, mirrors, and bumper can begin to fade and turn white. And if you unload your not-so-new looking car at a used car…
  • 15 Real Companies that Hire Work from Home Employees

    Satrap
    23 Jul 2014 | 12:50 pm
    Are you searching for a job that can be done within the comfort of your home and provides you with more flexibility in terms of scheduling your own time? If yes, then you may want to check out the following real and legit companies that hire workers to work from home.   1. TeleWork.gov This site went live when Congress passed the “Telework Enhancement Act of 2010” which made it possible for federal agencies to hire people to work from home. It’s a congress backed site, can’t get any more legit than that!   2. Stericycle Are you a person who loves to go shopping? Do…
  • Personal Finance Software: 10 Best Free Money Management Apps

    Satrap
    18 Jul 2014 | 3:22 pm
    It is usually good when you can work out your budget. But we all know making a budget is easy, but the problem is following through. You soon find yourself get detoured through weak willpower, impulse buying, etc… Fact is until you have a clear idea on how much you allow yourself to spend, there is no chance to save money. Thankfully, technology has thrown out a number of apps to instill disciplines into us, so that you can set realistic budget and keep track of your expenses in real time mode. This works just as well for a high office executive who need to be accountable to his expense…
  • 30 Practical and Easy Ways to Save Money

    Satrap
    17 Jul 2014 | 1:43 pm
    When I first came to the U.S., the shopping habits of Americans was a shock to me. I was amazed how much money people spend on things they really don’t need or things that they could get for cheaper from another store. You see, from where I come from (Persia), going to the mall is not a weekend activity. People only buy new cloths when they really need it (like once a year). For as long as I remember, we always had the same TV. We never bought a new TV just because there was a new model out. We bought a TV when the old one was broken and not working anymore! Now, I know things are…
  • Making Money Doing Online Surveys: 12 Must Read Tips

    Satrap
    9 Jul 2014 | 2:04 pm
    If you are contemplating on how you can make some extra money from those paid survey panels online, then this post is for you. The objective is to make you most efficient in utilizing your time, to make sure that your investment in your time filling out the survey forms would get rewarded appropriately. I have been a participant in market research studies for a long time. In fact that is how I started making money online. These days, I don’t have much time for it, but when I do, I still login to some of the best survey sites I have joined over the years and take a survey or two. Over…
 
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    CompareHero Malaysia

  • Get a Salary Increase: Your Step-by-Step Guide

    CompareHero
    24 Jul 2014 | 5:45 pm
    If you’re feeling the pinch of the rising costs of living here in Malaysia, you’re not alone. The price increases in electricity and petrol, as well some essential food items, have forced a lot of working class Malaysians to further tighten their belts when it comes to household expenses. While cutting back spending on non-essentials can help anyone save more money even when prices are low or stable, it doesn’t hurt to find more ways to boost your income to ensure that you have enough to cover your needs, emergencies, and even the occasional luxury here and there. One possible solution…
  • Credit Card Rebates: How Do They Work?

    CompareHero
    22 Jul 2014 | 5:45 pm
    If you own a credit card, you might often hear or see the terms cash back and rebates. Malaysia credit card companies usually offer them at 0.5%, 1%, and sometimes 2% or more—depending on the card, the store you’re buying from, and the type of purchase. But how exactly do credit card rebates work and how do you make them work to your advantage? Cash Back and Rebates: How They Work Cash back is an incentive offered by a credit card company, where a percentage of the amount you spend on your credit card is credited back to you. It’s also called a rebate, which refers to any amount of…
  • Hari Raya 2014: Ways to Avoid Overspending

    CompareHero
    15 Jul 2014 | 5:45 pm
    It’s finally the days leading to the end of Ramadhan 2014, and everyone is in anticipation for the Hari Raya and Shawwāl. You’ve probably started preparing for the auspicious celebrations that mark the end of Ramadhan month. Merchants would sell wares in preparation for the Hari Raya as early as the Ramadhan Bazaars set up. As usual, when there’s a celebration, we anticipate great amounts of spending. People spend for a new baju melayu, baju kurung, or baju kebaya in expensive songket and batik, not to mention give away generous amounts of duit raya to children. With so many things on…
  • Best Credit Cards for Malaysian Travel Junkies

    CompareHero
    13 Jul 2014 | 5:45 pm
    There’s so much to love about traveling. Being to be able to see new places and immersing yourself in a new culture, even briefly, can do wonders to a weary soul. I know a lot of people who love to travel so much that their Facebook posts are full of vacation pictures and perhaps your Facebook timeline is also full of travel pictures, too. How do you know if you’re having a serious wanderlust? Well, you could try answering the questions below. 1)      Are you running out of space in your closet for another souvenir shirt? 2)      Do you have more souvenir key chains than keys?
  • Citibank Credit Card Promotions: Best Dining Offers!

    CompareHero
    10 Jul 2014 | 5:30 pm
    Citibank credit card promotions bring some of the most amazing and exclusive dining privileges and rewards for those who had their card issued in Malaysia, as well as overseas. Partnering with several restaurants that offer the best international cuisine, cardholders can enjoy discounts and special offers all year round! You can use your Citibank credit card to enjoy a sumptuous family dinner or a romantic date at discounted prices, anytime of the year! Try something different today with your Citibank credit card: Lai Po Heen Get 20% off on your total food bill, plus a complimentary bottle of…
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    Making Money Fast and Slow

  • 3 Jul 2014 | 4:53 am

    Anonymous
    3 Jul 2014 | 4:53 am
    The stock market is on cruise control, slowly drifting up, like driving with hands off the wheel. While few immediate negative market events are on the horizon, the market is expected to continue its flight. When will the party stop? Over 30% gains in the S&P 500 last year wasn’t enough. We want – NO, WE NEED – more capital accumulation. But how far are we willing to go? The market is already overvalued more than 60% compared to historical earnings. You can check out and learn more about the Shiller PE Ratio here. If you don’t trust legendary Yale professor Robert…
  • 18 Jun 2014 | 3:28 pm

    Jacob Meredith
    18 Jun 2014 | 3:28 pm
    As a young professional myself, I know firsthand the struggles many young professionals have when dealing with their finances. When we graduate college and start making “real money” for the first time in our lives it’s hard for us to listen to our parents and colleagues saying “save, save, save.” We have student loans, rent, and cash in our pockets that tempts us to buy a new set of golf clubs or that Coach handbag we’ve been looking at all week. That’s why I started Appalachian Capital Group, LLC after graduating from Virginia Tech. As an investment manager and financial…
  • 22 Mar 2014 | 9:33 am

    Anonymous
    22 Mar 2014 | 9:33 am
    Eat out less – Eating out can cost a lot. If you eat in you won’t have to pay for gas to get to the restaurant or pay a tip. In terms of actual food cost, it’s just cheaper overall. Work out and eat better – The healthier you are, the more energy you will have and the better you will perform at your job. It will also improve your personal life (not to mention your sex life). Being healthy can also save you money on life insurance and individual health insurance. Improve your credit score – Pay your bills on time and open multiple accounts to get credit history.
  • 21 Mar 2014 | 4:27 pm

    Anonymous
    21 Mar 2014 | 4:27 pm
    We reached out to Bill White, the former mayor of Houston and Deputy Secretary of Energy under President Bill Clinton from 1993 to 1995, for his new book America’s Fiscal Constitution: Its Triumph and Collapse. He responded by sending us signed copies of his book. Thanks, Bill! We look forward to reading the book and learning more about common budget myths and the history of America’s debt. To check out more, click here.                       Related posts: The S&P 500 rose 1.38% to 1,721 after the US... Benjamin Feldman…
  • 20 Mar 2014 | 3:35 pm

    rony
    20 Mar 2014 | 3:35 pm
    Currently, there are many different styles to trade forex on the internet. Some of these techniques rely on a system of regulations that are either designed to trade the market mechanically or too complicated to work with. As such, the effectiveness of these methods will vary from one trader to another. Generally, the rule-based systems do not take into consideration that this market is very dynamic and volatile. To profit from forex market try to simplify your trading technique as much as possible. Some of the styles used to trade forex include: Automated trading Automated forex trading can…
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    Money International

  • Euro Gets A Pounding From Strong Sterling

    Vicky Dixon
    23 Jul 2014 | 10:01 pm
    Expats in Europe and the US are at the mercy of foreign currency exchange markets even though those paid from pensions or savings in the UK have had their spending power boosted over the past year or so. The Pound is up more than 9% against the euro and 15% against the US dollar, making cash go further for expats in some of Britain’s favourite holiday and retirement destinations. But how long the pound stays ahead is anyone’s guess. The fortunes of the currency come down to the decisions made by three of the great and good – Janet Yellen, chair of the US Federal Reserve; Bank of England…
  • Investors Urged To Hedge Portfolios With Gold

    Vicky Dixon
    23 Jul 2014 | 10:01 pm
    Gold prices have jumped up by just over 9% and outperform most other assets, according to research by the World Gold Council. Only US Real Estate Investment Trusts, Indian equities, commodities like grains, nickel and palladium have given a better return in the first half of the year, says the study. Gold is currently trading at £760 an ounce (US$1,301) compared with a price of £868 ($1,335) a year ago. During that time, the precious metal has hit a high of £913 ($1,418) an ounce in August 2013 and a low of £727 ($1,198) in January 2014. “Gold has not performed as predicted,” said a…
  • Fear Of Failure Keeps Entrepreneurs In Comfort Zone

    Vicky Dixon
    22 Jul 2014 | 10:38 pm
    Britain needs more entrepreneurs to conquer their fear of failure and to start new businesses, according to a think-tank report. The country’s best brains need encouragement to leave their well-paid comfort zone to help the economy – and more women need to go into business as well. Only one in four British entrepreneurs is a woman and easing the way for them to start a business would immediately increase the number of new firms, says the report Venturing Forth: Increasing high value entrepreneurship, published by theSocial Market Foundation. Well-qualified and highly paid employed…
  • Uncontrolled Ebola Virus Could Ravage West Africa

    Vicky Dixon
    22 Jul 2014 | 10:38 pm
    A deadly Ebola virus outbreak that has killed hundreds on victims in West Africa could rampage out of control, claim international health officials. Medical charities and government agencies allege the World Health Organisation (WHO) has suffered budget cuts because many of the world’s wealthier countries are contributing less money than in previous years. More than 600 people have dies from the virus and the epidemic is starting to spread across borders. So far fatalities have been reported in Guinea, Liberia and Sierra Leone, while unconfirmed cases have been reported in nearby Mali and…
  • FATCA Hits US And UK Taxpayers Banking Offshore

    Vicky Dixon
    21 Jul 2014 | 9:49 pm
    Expats and British taxpayers opening bank accounts will find they are subject to new UK and US Foreign Account Tax Compliance Act (FATCA) rules. FATCA started on July 1, 2014 and both countries have agreed to swap tax information about their citizens. As part of the run up to the US introducing FATCA, the UK agreed similar tax rules with Crown Dependencies and Territories. These include major offshore financial centres like Jersey, Guernsey, the Isle of Man, Gibraltar, Cayman Islands and the British Virgin Islands. Banks, investment funds, trusts and other financial institutions have to…
 
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    Your Smart Money Moves | Personal Finance Blog

  • How to Combat Wedding Fatigue

    Tyler Huck
    24 Jul 2014 | 12:15 pm
    Now that June has passed (statistically the most popular month for weddings), you are out of the woods in regards to attending weddings, right? Think again. The next three months, from August to October, rank 2-4 in popularity (Source: Majesticmixers.com) and are sure to put a crunch on your wallet. More Americans are getting married this year than the last few years, the first upward swing since the Great Depression (Source: MarketWatch.com). If you are like me, you start to dread the fancy envelope with the script writing in the mail. In the last calendar year I have been invited to 12…
  • $3.99 To Never Go To The Grocery Store

    Ted Jenkin @ Your Smart Money Moves
    22 Jul 2014 | 7:58 am
    Many years ago, a small company named Webvan emerged during Dotcom 1.0 telling us they were going to utilize the internet to create a service that would help deliver groceries right to our door.   As history reveals, it didn’t work during that time almost 15 years ago, but a new company Instacart (www.instacart.com) has emerged with a $3.99 grocery store service model catching fire around the United States.  I recently had the chance to interview some of the executives now bringing the model to the greater Atlanta area. The business model of Instacart is a grocery delivery service that…
  • Daddy, Daddy, Please Take Me To The Gas Station

    Ted Jenkin @ Your Smart Money Moves
    18 Jul 2014 | 10:59 am
    Gas Stations.   Growing up in New Jersey, the only thing I looked forward to when Mom or Dad was filling up at the pump was watching the attendant wipe down our front windshield and cracking the window to catch a whiff of the gasoline smell.  Most certainly, we avoided getting out of the car to use the gas stations bathroom facilities and if you wanted something to eat the best you could hope for was a Little Debbie snack or a pack of Lance’s peanut butter or cheese crackers. Today’s gas stations look more like part convenience store, part gourmet food store, and part fill up your…
  • How to Get Rich with oXYGen Financial – 07/15/2014

    Ted Jenkin @ Your Smart Money Moves
    15 Jul 2014 | 2:36 pm
    Taped 07/15/14 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Regular Guys and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Breathe easier at http://oXYGenFinancial.net
  • How Does LeBron Become A Billionaire?

    Ted Jenkin @ Your Smart Money Moves
    15 Jul 2014 | 1:06 pm
    There was no way to avoid the news this past week that LeBron James decided he was coming home to Northeast Ohio to return to playing basketball for the Cleveland Cavaliers.    It has been widely shared in the news that LeBron James wants to become the first billionaire athlete.   Is this gutsy move actually designed with the thought in mind to win championships or created in the next set of career moves to forge the path to becoming a billionaire? “It’s my biggest milestone,” he says in a story with GQ. “Obviously. I want to maximize my business. And if I happen…
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    Money On Trees

  • For 75 years, We’ve Been Banking on Local

    Fabio Marrama
    10 Jul 2014 | 7:39 am
    In the summertime, I can’t help but be amazed at all the local produce our region grows. Around here, who hasn’t gone for a drive just outside city limits to see what’s available on farm stands or enjoyed an amazing sundae during the Winona Peach Festival? Everyone seems to be heading out to the farmer’s market this time of year to grab the best from close by and almost every day I hear of a new independent shop to explore. Where we live it’s so easy to eat and shop local, but what about banking local? This month, FirstOntario Credit Union celebrates its 75th anniversary of serving…
  • My Momma Told Me I Better (Mortgage) Shop Around

    Fabio Marrama
    2 Jul 2014 | 12:32 pm
    You’ve probably been told to always shop around for the best deal. For every major purchase I’ve made in the past ten years, from a laptop for school, to my first car I’ve pounded the pavement comparing features and price. So why would it be any different when it came time to buy my first house and get my first mortgage? I was surprised to learn of a recent report by the Canadian Associated of Accredited Mortgage Professionals, which discovered that four of five recent homebuyers didn’t consult with a credit union when getting a mortgage. As I do all of my banking at a credit union,…
  • Should you have the talk before you tie the knot?

    Fabio Marrama
    24 Jun 2014 | 7:38 am
    You’ve probably heard the saying – love conquers all, but when it comes to money that’s not quite true. For most Canadians, money is the leading cause of relationship trouble. Some researchers speculate that couples who make less cash are more likely to separate not because of their low-income, but because of all of the stress and skirmishes over money – or lack thereof. Having an open and honest money chat with your other half early on is key to establishing a deeper level of trust in your relationship – especially before you think of walking down the aisle. I get it –…
  • Life Insurance Is Not Just For Seniors

    Fabio Marrama
    9 Jun 2014 | 1:28 pm
    Life Insurance is for “old people” – at least that is what I used to think. In a recent study, “Gen Y consumers are the least likely to own life insurance. But four in ten Gen Y households say they would have immediate trouble covering everyday living expenses if a primary wage earner were to die.” Well it’s no wonder us young folk haven’t have a clue about life insurance. We’re young, healthy and most of the time let’s be honest; we think we’re the untouchable Superman. I never thought I’d find the time to blog about such a topic, but having just recently bought my…
  • Navigating Your First Lease Agreement

    Fabio Marrama
    29 May 2014 | 10:33 am
    A brave new year of college and university starts in September, and that means many of you will get to live in a house of your own for the first time. If you’re renting an apartment, you’ve probably already started looking online for options. Once you find that perfect fit, all that will stand between you and your very own pad will be rent cheques and a lease agreement. But wait, what’s a lease agreement? Great question – let’s cover that. A lease agreement is simple: it’s a contract outlining your living situation and expenses paid to your landlord for a specified period of time…
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    Become Successful

  • The 17 Principles to Success

    Mark
    12 Jul 2014 | 4:55 am
    Please read carefully because you may discover the secret & the master-key to freedom in this first reading of these 17 principles. Free your mind from any concept you may have right now and remember that ‘whatever your mind can…Read more ›
  • …Visions…

    Mark
    5 Jun 2014 | 2:12 am
    Scott Bursaw is the creator of solar powered roads. He spent years in researching solar power for roads.
  • The Power of the word “CAN”

    Mark
    4 Jun 2014 | 8:08 am
      A Little Push – Eric Thomas - Everything is possible with a little push in life. Listen Eric Thomas while he speaks to Businesses about his magic story.
  • Happy ;)

    Mark
    28 May 2014 | 5:23 pm
    Watch as BBC Breakfast team put on their dancing shoes to dance to Pharrell’s Happy song. Hey, I just found this video today and it made my day! A little “Happy” routine in the BBC News Studios…Hilarious! If you have…Read more ›
  • How to build Self-Esteem – The Law of Self-Confidence

    Mark
    17 May 2014 | 9:44 am
    Bryan Tracy (motivational speaker and author) explains the Law of Self-Confidence and how to control Personal Achievements and Time Management. Download the FREE E-Book Goals by Brian Tracy Brian Tracy Best Selling Book Amazon The Power of Self-Confidence: Become Unstoppable,…Read more ›
 
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    Bankrate.com » Rates

  • Mortgage rates in Doniphan, Kansas

    Clare Mallen
    24 Jul 2014 | 12:00 pm
    Visit our site to locate the best mortgage rates in Doniphan, KS. Mortgage rates can change during the day and week, but our easy rates search function allows you to check local mortgage rates in Doniphan, and throughout the state of Kansas. Calculate your mortgage payment to save toward a down payment. Rates change daily, and from
  • Retirement planning in Elmira, New York

    Clare Mallen
    24 Jul 2014 | 12:00 pm
    Put your capital to optimal use while retirement planning in Elmira, NY, by using our site. There, you will find numerous tips, calculators and guides. If you're searching for a low-risk investment with a better yield than your savings, consider a money market account for retirement planning. Researchers survey money market accounts throughout the day to
  • Money market account and rates in Sterling Heights, Michigan

    Mitch Strohm
    24 Jul 2014 | 12:00 pm
    Shopping for a money market account and rates in Sterling Heights, MI? Rates are low throughout the country. The average national money market account rate is currently at 0.11 percent. But our tools can help you shop for the best deals in Michigan. Money market accounts are very liquid. And they are also very safe, insured
  • Auto loan rates in Green Bay, Wisconsin

    Mitch Strohm
    24 Jul 2014 | 12:00 pm
    The average national 48-month new-car loan rate is currently at 4.06 percent. And all five lenders in this survey are offering rates below that average. Use our tools to find the lowest auto loan rates in Green Bay, WI. One lender in this survey has been offering 2.19 percent. But before you decide on a lender,
  • Refinance in Miami, Florida

    Clare Mallen
    24 Jul 2014 | 12:00 pm
    Take the guesswork out of your home refinance in Miami, FL, by visiting our site. There, you will find guides, tools and calculators to assist you in making an informed decision on refinancing. Refinancing rates can change during the day and week, but our easy rates search function allows you to check local refinancing rates
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    Bankrate.com » Saving Money

  • 7 tips for hosting a yard sale

    Paula Pant
    30 Jun 2014 | 4:30 am
    Make the most of a yard sale by following a few easy steps.
  • 3 loans for your next home purchase

    Kemberley Washington
    29 Jun 2014 | 3:05 am
    Searching for a home mortgage? Here are three options.
  • Decorate your home on a budget

    Paula Pant
    27 Jun 2014 | 9:00 am
    Trying to decorate your home on a teeny-tiny budget? Here are three money-saving tips.
  • 9 tips for a frugal July 4th

    Paula Pant
    25 Jun 2014 | 9:39 am
    On a tight budget? Here are nine frugal ways to celebrate the Fourth of July.
  • More qualify for student loan cap

    Dr Don Taylor
    17 Jun 2014 | 6:00 am
    Going to college is an expensive proposition. Need-based financial aid and scholarships help, but many students and families will rely on student loans in meeting the Expected Family Contribution (EFC) for college expenses. I'm conflicted about President Obama's initiative to expand the number of former students who qualify to have their student loan burden reduced.
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    Stock News Desk

  • Repsol SA has approached Talisman Energy for a potential deal.

    Marcel Jackson
    24 Jul 2014 | 9:38 am
    New York City, New York – (StockNewsDesk) – 07/24/2014 — Repsol SA (a Spanish oil and gas company) has approached Talisman Energy Inc (NYSE:TLM) either for buying some assets or taking over the entire company. When this news reached the market, Talisman’s shares went up by 13 %. Speculations are going on about the potential […]
  • Sealed Air Corporation is relocating its headquarters to Charlotte, North Carolina

    Prabir Sinha
    24 Jul 2014 | 9:26 am
    New York City, New York – (StockNewsDesk) – 07/24/2014 — Sealed Air Corporation (NYSE:SEE) is relocating its headquarters to Charlotte, North Carolina. A new campus is being prepared which will have top class facilities and this campus will become the headquarters for the company’s corporate offices, R & D units and other various divisions. The […]
  • GM recalled 717950 vehicles in U.S.A on Wednesday for different reasons.

    Phillip Wilson
    24 Jul 2014 | 9:19 am
    Houston, TX – (StockNewsDesk) – 07/24/2014 — General Motors (NYSE:GM) have announced the recall of 717950 automobiles in U.S.A for different reasons. These cars have not been recalled for ignition switch problems. The company recalled 15 million cars in 2014 for issues with ignition switches. One of the reasons for the latest recall is a […]
  • Increased production of jets has pushed up Boeing’s revenue in the second quarter.

    Phillip Wilson
    24 Jul 2014 | 6:04 am
    Houston, TX – (StockNewsDesk) – 07/24/2014 — Boeing (NYSE: BA) has reported a 52 percent increase in profit in the second quarter, which can be attributed to the production of a greater number of passenger jets. The company stated that net income went up by 52 % to $1.65 billion or $2.24 per share in […]
  • Comcast says that it will not make further major acquisitions if it manages to close the Time Warner deal

    David Goehst
    23 Jul 2014 | 9:57 pm
    New York City, New York – (StockNewsDesk) – 07/23/2014 — Comcast (NASDAQ: CMCSA) stated on Tuesday that if it manages to buy Time Warner Cable for $45 billion, the company will not need to acquire any major companies for the time being. The statement came at a time when many companies are making acquisitions to […]
 
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    The Travel Sisters

  • Marriott Rewards® Premier Credit Card Sign Up Bonus Officially Increased to 70,000

    Patti
    24 Jul 2014 | 6:55 pm
    If you were considering applying for the Marriott Rewards® Premier credit card in the near future now might be the time to do so.  Chase has officially increased the sign up bonus for a limited time on its Marriott Rewards® Premier Credit Card to 70,000 (the bonus is normally 50,000 points).   I say officially because [...]
  • Earn Ultimate Rewards Points for Referring Chase Credit Cards

    Patti
    23 Jul 2014 | 11:51 am
    Do you have a Chase Sapphire Preferred or Chase Freedom card?  If the answer is yes, you can earn points for referring these cards to your family or friends if they apply and are approved using your referral. Here are the details: Chase Sapphire Preferred: You must invite your friends by October 31, 2014. Your [...]
  • 10% Discount on Protea Hotels for Marriott Rewards® Members

    Patti
    15 Jul 2014 | 6:39 pm
    Protea Hotels will be joining Marriott Rewards sometime in 2015, but currently Marriott Rewards is offering its members 10% savings on the best available rate for bookings made at Protea Hotels. Protea Hotels is Marriott’s newest brand and has over 100 locations in South Africa as well as Malawi, Namibia, Tanzania, Uganda and Zambia.  Protea [...]
  • Should You Enter Wyndham Rewards One Million Dollar Sweepstakes?

    The Travel Sisters
    10 Jul 2014 | 2:13 pm
    We both received emails today from Wyndham Rewards regarding its Wyndham Rewards One Million Dollar Sweepstakes.  While we both entered as it literally took less than 30 seconds to enter, you might not want to bother if you cannot attend a prize drawing event at a yet to be determined date and place in the [...]
  • 20% Bonus On Transfers From Starwood to AA and US Airways – Is it a Good Deal?

    Patti
    2 Jul 2014 | 5:32 pm
    I received 2 separate emails from both AA and US Airways today that they are offering a 20% bonus on Starpoints transferred through July 31, 2014 to either AA or US Airways miles. Normally, a transfer of 20,000 Starpoints to AA or US Airways earns a 5,000 mile bonus, resulting in 25,000 AAdvantage or US [...]
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    economyprofessor.com

  • What’s the difference between bankruptcy and sequestration?

    About E-P Debt
    5 Jul 2014 | 4:48 pm
    There is so much terminology today in relation to debt problems and in particular debt solutions that it is easy to get confused. In today’s credit driven society there is now such a range of debt solutions and they are often described in technical terms and ‘information overload’ can so easily kick in. This is... Read more »
  • I need help with my debt

    About E-P Debt
    1 Jul 2014 | 3:33 pm
    I’m up to my eyes in debt and just can’t repay it. Every month is a struggle, I can’t meet my monthly payments and my debt is growing. I’m now struggling to pay my basic bills. If any of these are familiar then you seriously need help with your debt. If you are incurring late... Read more »
  • I have a debt problem and need help

    About E-P Debt
    29 Jun 2014 | 4:44 pm
    Now there’s a phrase I wish I had used and acted on: I have a debt problem and need help. It’s not easy to admit you’ve got a debt problem especially when you’re the breadwinner in the household. It’s also every bit as hard to contemplate seeking out someone whom you have to communicate your... Read more »
  • Get yourself some debt advice

    About E-P Debt
    27 Jun 2014 | 4:22 pm
    Debt problems are pretty commonplace these days and that’s not to say they don’t have serious consequences for many people or it makes light of the misery they can cause. The fact is however, that debt problems are on the increase and they affect all sectors of society. Most people struggle on in the hope... Read more »
  • Will a trust deed clear my debts?

    About E-P Debt
    26 Jun 2014 | 4:06 pm
    The simple answer to the question ‘will a trust deed clear my debt?’ is that it can certainly clear your unsecured debt. Unsecured debt consists of items such as credit card debt, overdrafts and standard bank loans that are not normally secured against an asset. This is quite different from the likes of a mortgage... Read more »
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    Advantage CCS » Blog

  • Debt Consolidation Tips

    Lauralynn Schueckler
    22 Jul 2014 | 9:49 am
    We all know that debt can be overwhelming and even cause problems among family members due to intense stress and many other factors. If you are looking for ways to...The post Debt Consolidation Tips appeared first on Advantage CCS.
  • What is the best debt to credit ratio?

    Lauralynn Schueckler
    16 Jul 2014 | 1:07 pm
    We get asked this question a lot by our current clients and potential clients: “What is the best debt to credit ratio?” First, we must explain what a debt to...The post What is the best debt to credit ratio? appeared first on Advantage CCS.
  • 5 Signs That You Need Debt Counseling

    Lauralynn Schueckler
    10 Jul 2014 | 7:54 am
    There are many challenges that life may throw your way, which can leave your debt spiraling out of control. This could be from an unexpected home or car repair, interest...The post 5 Signs That You Need Debt Counseling appeared first on Advantage CCS.
  • Retirement Calculator

    Lauralynn Schueckler
    8 Jul 2014 | 6:49 am
    Have you ever asked yourself “Do I Have Enough Retirement Money?” Many people ponder this important question, and it becomes more vital to seek an answer as we age. The...The post Retirement Calculator appeared first on Advantage CCS.
  • Understanding Credit Card Debt

    Lauralynn Schueckler
    1 Jul 2014 | 8:22 am
    According to CBS News, nearly half of Americans have more credit card debt then they do savings, the lowest percentage since the figure was first tracked in 2011. With each...The post Understanding Credit Card Debt appeared first on Advantage CCS.
 
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    Save The Bills

  • 8 Credit Card Perks You Didn’t Know You Had

    Edwin C.
    19 Jul 2014 | 5:57 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…
  • 11 Smart Ways To Save On Furniture Costs

    Edwin C.
    14 Jul 2014 | 7:42 pm
    Whether you’ve recently bought a new home or you’re simply remodeling the one you’ve got, new furniture is a huge part of the decorating budget. Fortunately, finding great deals on new furniture is easy and you can create a beautiful room without breaking your budget. Here are 11 smart ways you can save on your next furniture purchase. Reupholster What You Already Have Reupholstering and refinishing your existing furniture can easily breathe new life into old furniture. If you don’t mind the size and shape of your furniture, changing the color or cushions of your…