Personal Finance

  • Most Topular Stories

  • 3 Ways To Avoid Going Off A Stock Market Cliff With The Buy-And-Hold Herd

    Forbes - Personal Finance
    Janet Novack
    23 Oct 2014 | 10:15 am
    Money manager Kenneth Winans argues Vanguard founder Jack Bogle's investment philosophy could end up damaging the baby boomers’ retirement prospects.
  • Is A Global Economic Storm Brewing?

    Forbes - Personal Finance
    Mike Patton
    23 Oct 2014 | 10:41 am
    The global economy has been slowing recently. This has many central bankers worried about the prospect of deflation. What would life be like if deflation were to emerge? In this article, we'll set the stage for this with some foundational information. We'll conclude the discussion in my next article when we examine the causes and effects of this economically destructive force. If it's always darkest before the dawn, it may also be the brightest before the storm.
  • The One Action You Need to Take in Any Market Correction

    Consumerism Commentary
    Luke Landes
    20 Oct 2014 | 9:11 am
    As of today, the Dow Jones Industrial Average has erased all of its gains this year. We’re not quite in “market correction” territory, though. The S&P 500 is still up year-to-date, but it isn’t presenting as fantastic a return as was evident earlier in the year. We could be getting to the point where the market finds itself in the midst of a market correction. I wouldn’t pretend to be able to predict the daily, weekly, monthly, or annual swings of the stock market, but there’s no reason to rule a correction out as a possibility. Investing professionals…
  • 10 Ways to Save Money on Groceries

    Pinching Pennies
    Pinching Pennies
    7 Oct 2014 | 4:01 pm
        Supermarkets are designed to seduce consumers like us into spending more than we want to. After all, everyone needs to shop for food, soap, toiletries and so on. But with a little bit of planning and budgeting, you can slash your grocery budget and save money. Here’s how:   Tips to Save Money on Groceries   1. Walk straight to the shelves that stack the goods you want. When you walk down the entire aisle, you get tempted to look around at the other things which you don’t want at all.   2. Remember to make a list before you go and moreover, write it when you…
  • Halloween Costume Ideas 2014

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

    Get Rich Slowly - Personal Finance That Makes Sense.

  • To What Do You Attribute Your Success — Hard Work or Good Fortune?

    Kristin Wong
    23 Oct 2014 | 4:00 am
    This article is by staff writer Kristin Wong. Every now and then, I get an email from a fellow writer who’s just starting out and wondering where to begin. “How did you do it?” they ask. “How did you make freelance writing your career?” It’s flattering, but what do I say? First of all, I’m still working to reach my own writing goals, so I’m not even sure I’d be the best person to ask. But also, any success that I may have had as a freelancer has at least a little to do with luck. True, it’s mostly hard work, but auspicious timing and…
  • Can Getting One Month Ahead Save Your Budget?

    Holly Johnson
    22 Oct 2014 | 4:00 am
    This article is by staff writer Holly Johnson. Once upon a time, my husband and I were pretty clueless when it came to how we spent the money we earned at our 9 to 5 jobs. We made a decent income but struggled to keep track of where it was all going and, more importantly, why it always managed to disappear into thin air. I won’t bore you with the details again, but we ultimately discovered that we were spending ridiculous sums of cash on groceries and eating out, home repairs, and miscellaneous frivolous purchases. But how did we find that out? Now, that is the interesting part. Using a…
  • 9 Reasons You May Never Retire

    William Cowie
    21 Oct 2014 | 4:00 am
    This article is by staff writer William Cowie. My mom passed away a little less than a year ago. All her life she was the picture of health: She walked every day and ate super-healthy. The extended family dreaded going there, because they knew there would be no sugary goodies, only healthy (boring) eats. We used to joke and say she was so healthy they’d have to shoot her on the Day of Judgment … because she was never going to die. What took her in the end was breast cancer, and the fact that she didn’t notice it until it was too late. You just can’t account for…
  • Will Canning Your Food Save You Money?

    Lisa Aberle
    20 Oct 2014 | 4:00 am
    This article is by staff writer Lisa Aberle. When I was a child, we lived on a farm that had a grape arbor loaded with Concord grapes. Each September, my mom would can jars upon jars of grape juice, and I have fond memories of evenings around the kitchen table as our family ate popcorn and drank that delicious stuff (which doesn’t taste like anything I’ve ever purchased from a store). Well, apparently, nostalgia set in this year, and I ordered 1.5 bushels of Concord grapes. (And if you’re wondering how much that is, it felt like a whole vineyard.) The grapes came earlier…
  • Ask the Readers: Are home security systems worth the money?

    Linda Vergon
    17 Oct 2014 | 4:00 am
    This article is by editor Linda Vergon. The small, rectangular ceramic flower pots I kept in the two window sills of my bathroom had never budged an inch in the 14 years I owned the home, but one day I saw that one was close to falling out onto the counter below. I wondered if a small earthquake had caused it to move as I pushed it back in place. About a week later, I came home to find that the pot had actually fallen completely off the little ledge and onto the counter. This time I stopped to understand why, and I discovered that the small window was separated from the sill. I went outside.
 
  • add this feed to my.Alltop

    Consumerism Commentary

  • The One Action You Need to Take in Any Market Correction

    Luke Landes
    20 Oct 2014 | 9:11 am
    As of today, the Dow Jones Industrial Average has erased all of its gains this year. We’re not quite in “market correction” territory, though. The S&P 500 is still up year-to-date, but it isn’t presenting as fantastic a return as was evident earlier in the year. We could be getting to the point where the market finds itself in the midst of a market correction. I wouldn’t pretend to be able to predict the daily, weekly, monthly, or annual swings of the stock market, but there’s no reason to rule a correction out as a possibility. Investing professionals…
  • Mark Cuban Wants to Cap Student Loans at $10,000

    Luke Landes
    13 Oct 2014 | 12:21 pm
    We expect much from people we see on television. And it’s worse when we perceive someone to be smart and talented, even if they’re speaking beyond their area of expertise. We think someone who is a great community leader or someone who is a great business leader will make a great President of the United States. We see the similarities in roles and responsibilities and believe that intelligence and talent in one area leads to success in another. The same bias happens in ourselves. Why else would Donald Trump, a successful business person who doesn’t appear to have…
  • Hard Work and Practice Can’t Guarantee Success

    Luke Landes
    8 Oct 2014 | 2:22 pm
    I’ve written extensively about taking control of one’s own finances. My life changed for me when I realized I had more control over my personal situation than I previously believed. Every human has the power to make every decision based on a future benefit. One can choose to use a pay raise to pay off an overdue credit card or to justify the unnecessary purchase of a new car. One can choose to go to work early every day and otherwise impress the executives to earn a raise, or to do nothing beyond the scope of a job description and stagnate in one position in a career for a decade…
  • How Do You Determine Your House’s Value?

    Luke Landes
    30 Sep 2014 | 10:00 am
    Yesterday, I pointed out that the house you live in is an essential part of your net worth calculation. But determining the value of your house, especially if it’s the house you live in and not something you track as an investment, can be tricky. It’s easy to determine the value of your mortgage to include that in your net worth calculation. Just look at the latest statement from the lender. The statement will highlight your remaining balance, and it’s a number you can’t escape if you do in fact, as you should, look at your statement every month. The house can be…
  • Naked With Cash: Betsey S, August 2014

    Luke Landes
    30 Sep 2014 | 9:25 am
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four participants who will share their financial reports, exposing the results of their financial choices. Each participant is paired with one of our Certified Financial Planners. The experts will provide insight and…
  • add this feed to my.Alltop

    Forbes - Personal Finance

  • Is A Global Economic Storm Brewing?

    Mike Patton
    23 Oct 2014 | 10:41 am
    The global economy has been slowing recently. This has many central bankers worried about the prospect of deflation. What would life be like if deflation were to emerge? In this article, we'll set the stage for this with some foundational information. We'll conclude the discussion in my next article when we examine the causes and effects of this economically destructive force. If it's always darkest before the dawn, it may also be the brightest before the storm.
  • 3 Ways To Avoid Going Off A Stock Market Cliff With The Buy-And-Hold Herd

    Janet Novack
    23 Oct 2014 | 10:15 am
    Money manager Kenneth Winans argues Vanguard founder Jack Bogle's investment philosophy could end up damaging the baby boomers’ retirement prospects.
  • When To Buy The Cheapest Airline Tickets

    Deborah Jian Lee
    23 Oct 2014 | 9:58 am
    If you’re shopping for cheap airline tickets for your next vacation, wait until the weekend to grab the best deal.
  • 3 Very Attractively Priced Stocks

    Wallace Forbes
    23 Oct 2014 | 9:26 am
    Bob Burnstine: Fairpointe Capital is an independent registered investment advisor. We manage equity and balanced accounts for institutions and individuals. We are also the sub-advisor to the Aston/Fairpointe Mid Cap Fund, as well as the Parvest Equity U.S.A. Mid Cap Fund. The Parvest Fund is available only to non-U.S. investors.
  • Top 30 Traits Of Successful Angels -- How Many Do You Have?

    Marianne Hudson
    23 Oct 2014 | 8:52 am
    Dave Berkus is one of the most successful angels I know.  He has made 108 investments in early-stage companies and has an IRR of 97%.  Dave is a special case – he is a top speaker, expert in corporate governance, and has a valuation methodology named after him – even so, are there insights smart angels can pick up from this Los Angeles-based investor?
 
  • add this feed to my.Alltop

    Yahoo News - Latest News & Headlines

  • Doctor becomes NYC's first Ebola patient

    24 Oct 2014 | 3:43 am
    Three others are quarantined after a doctor who worked in Africa tests positive.
  • How N.C. Senate race became ground zero for what's wrong with 2014

    24 Oct 2014 | 2:57 am
    But with less than two weeks left until the midterm elections, it’s clear the Tar Heel State has indeed emerged as a ground zero — though not in the way the GOP chairman meant. The highly competitive Senate race in North Carolina is the multimillion-dollar epicenter of the negative campaigning that has come to define this election and that parties are using to try to win tight races nationwide.
  • Police: Hatchet-wielding suspect shot by officers

    23 Oct 2014 | 7:24 pm
    NEW YORK (AP) — New York City police shot and killed a hatchet-wielding man on Thursday after he suddenly attacked a group of patrol officers without warning in broad daylight on a busy commercial district in Queens.
  • China launches first mission to moon and back

    23 Oct 2014 | 10:17 pm
    China launched its first space mission to the moon and back early Friday, authorities said, the latest step forward for Beijing's ambitious programme to one day land a Chinese citizen on the Earth's only natural satellite. The unnamed, unmanned probe will travel to the moon, fly around it and head back to Earth, re-entering the atmosphere and landing, the State Administration of Science, Technology and Industry for National Defence (SASTIND) said in a statement. "The first stage of the first return journey test in China's moon probe programme has been successful," it…
  • Inside the Islamic State’s million-dollar money stream

    23 Oct 2014 | 2:41 pm
    The Islamic State militants got rich off smuggled oil, kidnappings for ransom, and extortion. Here is how the United States is responding.
  • add this feed to my.Alltop

    My Money Blog

  • Republic Wireless: Unlimited Talk, Text, 3G Data for $25/Month, Moto E for $99

    Jonathan Ping
    23 Oct 2014 | 7:33 pm
    Several updates. Republic Wireless uses WiFi coverage to place mobile phone calls and texts whenever possible, saving both you and them money. They have quickly become a popular frugal option for cell service. When WiFi is unavailable, you fall back onto Sprint cell towers. No contracts, but you must buy a phone specially programmed with their WiFi software. Some recent updates: Moto E. This newly-released value phone costs just $99. It won’t compete with a cutting-edge phone and is 3G-only, but it will do nearly everything you need – email, text, Facebook, internet. The reviews…
  • Savings I-Bonds November 2014 Interest Rate Estimate

    Jonathan Ping
    22 Oct 2014 | 11:10 pm
    Savings bonds offer a unique opportunity for individuals to buy an investment that is closed to large institutional investors. Compare the rates on these savings bonds to what you’re earning on your FDIC-insured bank deposits or even your TIPS and bond mutual funds, and you may find them a good addition to your portfolio. Since inflation-linked savings bonds (“I bonds”) are based on CPI numbers announced two weeks earlier, we can make predictions about upcoming savings bond rates before their official announcement. This also allows us the opportunity to know exactly what a…
  • Prosper vs. LendingClub Investor Experiment: 2 Year Update

    Jonathan Ping
    21 Oct 2014 | 10:04 pm
    In November 2012, I invested $10,000 into person-to-person loans split evenly between Prosper Lending and Lending Club, looking for high returns from a new asset class. After diligently reinvesting my earned interest into new loans, I stopped my after one year (see previous updates here) and started just collecting the interest and waiting see how my final numbers would turn out at the end of the 3-year terms. It is now about a week shy of the two year anniversary of this experiment, so here’s another quick update. $5,000 LendingClub Portfolio. As of October 20, 2014, the LendingClub…
  • Early Retirement Portfolio Income Update – October 2014

    Jonathan Ping
    20 Oct 2014 | 11:39 pm
    When investing, should you focus on income, or total return? I like the idea of living off dividend and interest income, but I also think it is easy for people to reach too far for yield and hurt their overall returns. But what is too far? That’s the hard part. Certainly there are many bad investments lurking out there for desperate retirees looking for maximum income. If possible, I’d like to invest for total return and then live off the income. A quick and dirty way to see how much income (dividends and interest) your portfolio is generating is to take the “TTM…
  • Early Retirement Portfolio Asset Allocation Update – October 2014

    Jonathan Ping
    20 Oct 2014 | 12:23 am
    Here’s an update on my investment portfolio holdings for Q3 2014. This includes tax-deferred accounts like 401(k)s and taxable brokerage holdings, but excludes things like physical property and cash reserves (emergency fund). The purpose of this portfolio is to create enough income to cover all of our household expenses. Target Asset Allocation I try to pick asset classes that will provide long-term returns above inflation, regular income via dividends and interest, and finally offer some historical tendencies to balance each other out. I don’t hold commodities futures or gold as…
  • add this feed to my.Alltop

    The Simple Dollar The Simple Dollar

  • How to Prepare Your Finances for a New Baby

    Allison Martin
    23 Oct 2014 | 1:00 pm
    Your new bundle of joy will come with a bundle of new expenses, too. Photo: Frank de Kleine I was once told there’s never a right time to have a child, and you can never prepare enough once they’re on the way. After seven years of parenting, I definitely agree with the first part of the statement. As for the second half? You never know what will happen after your child is born, but I do believe there are actions you can take to get your finances in order. Here are some simple ways to get your financial act together before your new baby arrives, and some useful tips to trim expenses that…
  • Some Thoughts on Following Passion

    Trent
    23 Oct 2014 | 7:00 am
    A few weeks ago, Mike Rowe (perhaps best known as the host of the Discovery Channel television series Dirty Jobs) posted an interesting essay on the subject of following your passion. In fact, it was interesting enough that it popped up all over the place on social media sites. His central point is that passion alone won’t bring you success in the field of your choice, which is something that I certainly agree with. However, he carries it a bit further than that, stating that the advice to follow one’s passion is inherently bad: Like all bad advice, “Follow Your…
  • 17 Strategies to Survive Working From Home With Children

    Allison Martin
    23 Oct 2014 | 5:00 am
    Younger kids can be a handful when you’re trying to get things done. Photo: Rob Briscoe If you’ve ever thought working from home with small children beats driving to the office each day, you may be sadly mistaken. My children are definitely the apple of my eye, but they can be a handful anytime I sit down to complete an important task. It’s almost as if they have an internal switch that flips on any time the cover of my laptop opens! Before I made the decision to enroll my youngest son in child care, it was quite a struggle to balance running a business with an infant in…
  • Best Life Insurance Companies for 2014

    Saundra Latham
    22 Oct 2014 | 3:00 pm
    Life insurance can ease your loved ones’ financial worries if you die unexpectedly, but it’s just as essential for your own peace of mind. In short, life insurance helps replace your lost income after you pass away, keeping any beneficiaries you name insulated from major money troubles that stem from your death. The best life insurance companies offer a wide array of coverage options, superior customer service, and their own financial stability as an incentive to give them your trust — and money. In my research, three companies came out on top: State Farm Transamerica Prudential…
  • If I Can Suggest One Financial Move to Anyone, It’s This

    Trent
    22 Oct 2014 | 7:00 am
    Save for retirement. Period. There are very few adults in the United States that are of working age that aren’t affected in a positive way by saving for retirement. For virtually all of those people, saving for retirement – or saving more for retirement – is a strong positive move. If there was one financial move that I got right before my personal finance meltdown in 2006, it was that I saved for retirement from the day I started working. Almost every mentor I had in my life encouraged me to sign up for this the second I started work and, for once, I actually listened to…
 
  • add this feed to my.Alltop

    Wise Bread

  • 16 Festive Ways to Make Extra Money for the Holidays

    Mikey Rox
    24 Oct 2014 | 2:00 am
    It's that time of year again — time to start hemorrhaging money in the name of tradition and capitalism and Santa Claus. But what if you took a different approach this holiday season and made some extra cash before you spent it? It's feasible, and you can even be festive while you're at it....
  • Best Money Tips: Where to Cash in Your Clutter

    Amy Lu
    23 Oct 2014 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some helpful articles on where to cash in your clutter, things you didn’t know about procrastination and how to cure it, and travel tips for infrequent fliers. Top 5 Articles 6 Places You Can Cash in Your Clutter — Need...
  • Best Deals for Thursday 10/23

    Amy Lu
    23 Oct 2014 | 11:09 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Macy's Red Star Spectacular Sale: Up to 50% off + extra 20% off, Nine West Family and Friends Event: 30% off...
  • 10 Ways that Football Season Can Blitz Your Finances

    Mikey Rox
    23 Oct 2014 | 10:00 am
    Being a football fan is all fun and games — until it starts making you broke. Cut the financial damage off at the pass by recognizing 10 money traps that the gridiron holds. (See also: How Everyone Can Cut the Cable — Even Sports Fans) 1. Fantasy Football Buy-Ins If you're into playing...
  • 10 Types of Bargains You Should Skip

    Paul Michael
    23 Oct 2014 | 8:00 am
    I love a good bargain. If you're reading Wise Bread, I'm sure you do as well. However, some bargains are more like a wolf in sheep's clothing. They appear to be deals on the surface, but when you really look at them you realize they're either ploys to make you spend more, or they're a complete...
  • add this feed to my.Alltop

    Bargaineering

  • Why I’m no longer afraid to deposit checks by mobile phone

    Jen A. Miller
    20 Oct 2014 | 12:00 am
    Jen A. MillerYour co-worker, your neighbor, the corner market owner. They all joined the modern world long ago. For awhile I was reluctant, but I too have gotten hip to the new age. Yes, I’ve started cashing checks through my smartphone I resisted the convenience for two big reasons. First, when the technology debuted, the time from [...]Why I’m no longer afraid to deposit checks by mobile phone from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • A YouTube video taught me how to fix my oven, saving $1,000 in repair bills and boosting my confidence

    Amy Fontinelle
    13 Oct 2014 | 12:00 am
    Amy FontinelleMy old oven When my oven went out a few months ago, I put off dealing with the problem. The appliance looks about 30 years old, so I assumed it was beyond repair and that replacement parts wouldn’t be available. Because it’s a wall oven, not a freestanding range, my research revealed that it would [...]A YouTube video taught me how to fix my oven, saving $1,000 in repair bills and boosting my confidence from personal finance blog Bargaineering.com. This blog was posted by Amy Fontinelle
  • With ticket prices taking off, here’s how to save on your holiday and winter air travel

    Julie D. Andrews
    6 Oct 2014 | 12:00 am
    Julie D. AndrewsFeel like you’re paying ungodly amounts of dough for each plane ride you take lately? You’re not imagining (or exaggerating) the state of air travel. The price of the average round-trip airfare, with taxes, rose to $509 in the first six months of 2014, according to recent data from the Airlines Reporting Corporation. The cost [...]With ticket prices taking off, here’s how to save on your holiday and winter air travel from personal finance blog Bargaineering.com. This blog was posted by Julie D. Andrews
  • How To Win McDonald’s Monopoly Game, 2014 Edition

    Kathy OGorman
    30 Sep 2014 | 9:46 am
    Kathy OGormanWelcome to the 2014 edition of McDonald’s Monopoly game. The game has returned to its traditional schedule this year with a fall launch. The fast-food giant last year caught everyone off guard by launching the game two months early — in July. But fall just feels right for this game, doesn’t it? The 2014 game [...]How To Win McDonald’s Monopoly Game, 2014 Edition from personal finance blog Bargaineering.com. This blog was posted by Kathy OGorman
  • How to get the most mileage out of baby gear

    Dawn Papandrea
    29 Sep 2014 | 12:00 am
    Dawn PapandreaIf you’ve ever shopped for baby stuff, you know that it’s very easy to see your paycheck disappear in a flash. So. Much. Stuff! Do babies really need all of these things, you might wonder? Probably not, but you ultimately buy everything anyway because you want your little ones to have every new high-tech bouncy [...]How to get the most mileage out of baby gear from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • add this feed to my.Alltop

    fivecentnickel.com

  • When Taking Vows, Vow to Spend Less

    Jeffrey Steele
    22 Oct 2014 | 1:00 am
    Talk to anyone 19 to 90, and they’re likely to have very clear memories of their first experience going steady. Mine came at the decidedly ancient age of 17, and I can recall that star-crossed life chapter like it happened last week. My perky, mahogany-haired, 16-year-old inamorata and I didn’t have much in common other than a passion for hours-long sessions in lover’s lane. When we stopped long enough for a conversation, I became aware that her hopes for the future centered on a single day — her wedding day. It didn’t matter that we had no money. It didn’t…
  • Top 10 Money Mistakes New Parents Make

    Suba Iyer
    20 Oct 2014 | 1:00 am
    Having a child is an exciting and exhausting experience. The feeling of holding your newborn in your arms cannot be described in words. Along with this exhilarating feeling, though, comes sleep deprivation, hectic schedules and the determination to provide nothing but the best for your precious little one. Even with the best intentions, it is very easy to lose track of finances or make unwise decisions with money. Here are some of the top money mistakes new parents make: Not having life insurance (or skimping on insurance): We do not want to think about dying, especially after a bundle of joy…
  • The Latest Occupational Hazard? Binge Working

    FCN Staff
    17 Oct 2014 | 1:00 am
    This post comes from Jacqui Kenyon at our partner site LearnVest. Have you ever gotten absorbed in a project on your laptop, only to look at the clock to see that three hours have passed? TODAY Money calls it the “hypnotic effects of technology,” and it’s just one of several factors contributing to a new and dangerous office trend: binge working. With more and more employees connected at all hours, anxious about money and job security, and pumped up on good ol’ caffeine, working beyond any semblance of a normal office day is becoming more common—and sometimes with dangerous…
  • How California’s Drought Will Affect You

    William Cowie
    15 Oct 2014 | 1:00 am
    Statistically, 80 to 90 percent of you live outside of California. When you read reports of the drought in California, then, your reaction may be something like, “Bummer for those dudes. Patti, please pass the peas.” You might want to reconsider, though, because chances are this drought could affect you more than you think. Saying the drought in California is severe is a bit like saying the Queen Mary is a nice little boat. At least one Bay Area scientist says that, based on historic tree ring data, the 2013-2014 rainfall season is on pace to be the driest since 1580 (not a typo).
  • 9 Things I Wonder About IPOs

    Richard Barrington
    13 Oct 2014 | 1:00 am
    The initial public offering (IPO) of the international e-commerce company Alibaba recently attracted a lot of attention — not to mention a couple billion dollars of investment money. This might be okay if it were an isolated occurrence, but lately there has been a flurry of IPOs — and they make me feel a little itchy about the investment environment. I understand the principle that growing companies opening themselves up to new sources of capital is one way the economy grows. However, when investors go overboard for IPOs — either by overpaying for specific stocks or…
 
  • add this feed to my.Alltop

    AllFinancialMatters

  • Ten Years Gone By…

    JLP
    13 Oct 2014 | 7:22 am
    It is hard to believe that I started blogging ten years ago today. I remember going to lunch with a group of men from my church. After lunch, I came home and set up AllThingsFinancial on the blogger platform. Why did I start blogging? I had read an article in the Wall Street Journal about a guy who set up a private blog for his extended family so that they could keep up with all the happenings of his kids. I got to thinking that it might be cool to use the same platform to talk about personal finance. When I started blogging, there were literally only a handful of personal finance blogs. Mine…
  • Finally Moved In…

    JLP
    9 Oct 2014 | 11:59 am
    I’m happy to report that we FINALLY got moved into our new house nearly two weeks ago. I just got internet set up on Tuesday. As you can see, I still have some work to do on my office…
  • Check Out the AllFinancialMatters.com Flipboard Magazine

    JLP
    12 Sep 2014 | 10:39 am
    I created a Flipboard Magazine awhile back in an attempt to organize articles I found interesting. Please check out the AllFinancialMatters.com Flipboard Magazine and tell me what you think. If you would like to be a contributor, send me an email (JLP at AllFinancialMatters.com) and I’ll get you set up.
  • What Are You Reading or Listening to These Days?

    JLP
    9 Sep 2014 | 10:17 am
    We moved to our temporary location a couple of weeks ago. We will be here until our house is complete in a few more weeks. I have been driving my kids back and forth to school in another town (the school in the town we will be living in). It’s 30 miles round trip, which gives me a lot of time to listen to music and books. I signed up for Audible last year and love it. I also like that some Kindle books sync with the audible version of the book. Often, the Audible version can be added to the Kindle purchase fairly inexpensively. I like this because I can listen in the car via my iPhone,…
  • Letter from a Father to His College-Bound Son

    JLP
    29 Aug 2014 | 9:29 am
    This is great… I heard this while listening to “The Book of Man” by William Bennett. It is a letter written by John D. Swain as his son headed off to Yale. It’s from 1912, but the advice is still good today. Common sense never goes out of style. My oldest son headed off for Texas A&M and Blinn this week. This letter hit home. Happy Friday! My Dear Son: I am writing a few things I meant to say to you when we took our last walk together, the day before you left for Yale. l intended to say them then and I will even confess that l shamelessly inveigled you into taking…
  • add this feed to my.Alltop

    Personal Finance Advice

  • Middle Class Adults Only Have $20000 Saved for Retirement

    Jeffrey Strain
    23 Oct 2014 | 10:59 pm
    Americans continue to fall far short of what they need to be saving for retirement. According to a new survey commissioned by Wells Fargo through Harris Poll, The median amount of money saved fro retirement by middle class people is … Continue reading →
  • Henry Ford Museum Buys Apple 1 Computer for $905000

    Julie Morse
    23 Oct 2014 | 1:25 pm
    Maybe you should have held onto your first computer, because if it happened to be an Apple-1, it could be worth nearly $1 million today. One of the earliest Apple computers ever made has just been sold for a record-breaking … Continue reading →
  • Government Wastebook 2014 Includes Rabbit Massages and Alpaca Poop Paks

    Kara Pendleton
    22 Oct 2014 | 8:23 pm
    In years past, tax payers have heard and complained about government waste such as teaching Chinese prostitutes to drink responsibly while on the job, that came with a $2.6 million price tag for tax payers. It seems our griping has … Continue reading →
  • How Warren Buffett Lost $2 Billion in Two Days on Two Stocks

    Kara Pendleton
    22 Oct 2014 | 11:28 am
    Business magnate Warren Buffett has built a reputation for making solid financial investments, with many investors and experts alike watching his example and following his tips in order to form their own successful financial future. Despite his own highly successful … Continue reading →
  • Largest Gold Nugget Found in Recent California History Worth $350,000

    Julie Morse
    22 Oct 2014 | 9:18 am
    The largest chunk of gold found in the last few decades has been allegedly discovered in Butte, California. The 6.07-pound nugget is being sold by coin dealer, Don Kagin, and it’ll have its debut showing on Thursday at the San … Continue reading →
 
  • add this feed to my.Alltop

    Mighty Bargain Hunter

  • Fourteen travel tips for infrequent fliers

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

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

    John Wedding
    10 Oct 2014 | 8:47 pm
    Clothes can say many different things. Such as: “I’m quietly confident.” Or: “I’m hip and stylish.” Or even: “I’m utterly tacky.” Regardless of the specifics, all clothes say: “I’m not naked.”  This is largely what I demand of my clothing, and it’s largely what everyone else demands of my clothing as well. My wife has a few more criteria than I do about my clothing, one of which is that the color of said clothing shouldn’t make me look naked. Because that’s nearly as bad as actually being naked.  (If…
  • Pay up front, or in installments?

    John Wedding
    8 Oct 2014 | 12:07 am
    “Pay on the installment plan.  Don’t pay now; pay later.  Five easy payments of $39.95.” When businesses offer to split up the payments in a large purchase, it usually brings them more business.  If the pain of buying (the cost) is lower, or appears to be lower, more people will buy. Businesses, of course, don’t offer this out of the kindness of their hearts.  They want extra money.  Paying through installments almost always costs more — either through payment fees, or through interest. Most installment loans are expensive My wife and I haven’t gone…
  • Stay-at-home spouse: Good bargain for whom?

    John Wedding
    3 Oct 2014 | 8:07 am
    In lots of cases, especially in high-cost-of-living areas, having a family with both parents working is a necessity. But along with the extra income come extra stress, financial and otherwise.  On the financial side, there is child care, and a host of other services that get done what needs getting done.  On the non-financial side, it’s just more hectic: more fitting in errands, more eating out or fast food, more running around. My wife of twelve years has been stay-at-home for the entire time we’ve been married.  A couple of nights ago she forwarded this article and asked me…
  • add this feed to my.Alltop

    Personal Finance Resources

  • The Theoretical Aspects of How Much Insurance Should One Have

    Team RupeeManager
    18 Oct 2014 | 3:43 am
    It is difficult to put a price tag/value on anyone’s life. However to buy insurance you have to first answer the question of how much insurance should one have. So to put a price to your life, it is important … Continue reading → The post The Theoretical Aspects of How Much Insurance Should One Have appeared first on Personal Finance Resources.
  • Measurement of Risks and the tradeoff with Returns

    Team RupeeManager
    17 Oct 2014 | 4:20 am
    The risk return trade-off is based on the principle that potential return rises with an increase in risk. Low levels of uncertainty (low-risk) are associated with low potential returns, whereas high levels of uncertainty (high-risk) are associated with high potential … Continue reading → The post Measurement of Risks and the tradeoff with Returns appeared first on Personal Finance Resources.
  • How to Complain against Investment Frauds

    Team RupeeManager
    16 Oct 2014 | 2:33 am
    If you have a complaint, you should first try to contact the person or company that is the cause of your complaint. You might be able to resolve your problem more quickly by speaking to them directly rather than waiting … Continue reading → The post How to Complain against Investment Frauds appeared first on Personal Finance Resources.
  • Useful Platform for Mutual Fund Investors: MFU

    Team RupeeManager
    15 Oct 2014 | 12:12 am
    Mutual Fund Utility (MFU), a shared platform being built by the mutual fund companies in India, is being launched soon. MFU offers convenience and empowers the investors of Mutual Fund schemes. As on date 25 AMCs (Asset Management Companies or Mutual … Continue reading → The post Useful Platform for Mutual Fund Investors: MFU appeared first on Personal Finance Resources.
  • Tracking Apps for Your Finance on Mobile

    Team RupeeManager
    14 Oct 2014 | 11:47 pm
    It is a great idea to use some of the productivity apps on your mobile that can help you with your personal finance. And once you start tracking your finances, you will be able to make continuous improvement in money … Continue reading → The post Tracking Apps for Your Finance on Mobile appeared first on Personal Finance Resources.
  • add this feed to my.Alltop

    My Open Wallet

  • Spending in a Fog

    Madame X
    27 Sep 2014 | 12:41 pm
    I went to Home Depot the other day to buy a plant as a gift for someone. I figured I could find something inexpensive but cheerful there. But I have been very leery of Home Depot since hearing about their credit card data breach, and the questionable cyber-security practices that led up to it, so I went there fully intending to pay cash for whatever I bought, and wondered if I would see other customers doing the same. I browsed the plant section a bit, and took note of various prices, but then started to focus more on the kind of care the plants needed and whether the leaves were in good…
  • Quicken for Mac 2015

    Madame X
    3 Sep 2014 | 9:15 am
    Finally, Quicken has released an update for Mac users! This is meant to be a full version to replace Quicken for Mac 2007, with more functionality than Quicken Essentials for Mac. Unfortunately, it sounds like Intuit has failed once again to keep Mac users happy. The new software is getting pretty terrible reviews on Amazon. And it's not cheap! $74.95! Even against my better judgment, I was curious to try it because it will sync with a new Quicken iphone app, but I'd be resigning myself to more manual data entry because the Quicken for Mac 2015 doesn't allow import of QIF files, which is all…
  • 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…
 
  • add this feed to my.Alltop

    Lazy Man and Money

  • When Electricity is “Free”

    Lazy Man
    22 Oct 2014 | 9:00 am
    Last Friday, we signed the paperwork with our intent to get solar power. Over the last few weeks I've been writing about our move to solar power. If you are up-to-date on that you can skip the next few paragraphs. Otherwise, let me bring you up to date. For Earth Day this year, I started to explore whether going with solar power would save me money. Then I forgot about it until the question of leasing solar panels came up on another blog post. That got me motivated to have a company give me a free initial proposal which showed that solar could cover 83% of our energy needs. In meeting with…
  • Where Will Your Retirement Income Come From?

    Miranda Marquit
    21 Oct 2014 | 5:15 am
    The foundation for a secure future is proper retirement planning today. Unfortunately, too many people avoid retirement planning. In fact, according to the recent Retirement Confidence Survey from the Employee Benefit Research Institute, less than half of American workers have performed a retirement needs assessment. This means that most people don't even understand how much they need to retire -- much less have a clear idea of where their retirement income will come from. As you prepare your retirement plan, you need to figure out what you need to retire comfortably, but you also need to…
  • Mark Cuban on Student Debt

    Lazy Man
    20 Oct 2014 | 5:15 am
    Last week, my wife was flipping through cable channels and stopped on CNBC. I'd say that 999 out of 1000 times, she'd just continue on. However, CNBC was just starting a phone call with Mark Cuban. We are big Shark Tank fans here, so Mr. Cuban gets the clicker stopped. Rightfully so. It's pretty rare that I disagree with him. On Shark Tank, I sometimes thinks he abandons good ideas and products too quickly, but more often than not, he doesn't want to work with that entrepreneur due to a personality conflict. To some degree, I can understand it, but if I were him, I'd just be funneling the…
  • The Seven Persuasion Tools of Scammers

    Lazy Man
    17 Oct 2014 | 5:15 am
    Have I ever mentioned how much I love Lifehacker. It's must reading for me. Last week, I came across an article Seven Persuasion Tactics Repeatedly Used by Scammers. Regular readers know that I often write about MLM and other scams in this space. I feel that keeping your hard-earned money away from scammers is an overlooked part of personal finance. Thus an article showing the scammers' playbook can prove to be extremely valuable information. The information that LifeHacker is pointing it is Understanding scam victims: seven principles for systems security (PDF). Yes, the title gives you a…
  • The Value of “Free” Electricity

    Lazy Man
    16 Oct 2014 | 5:15 am
    Over the last few weeks I've been writing about our move to solar power. In case you've missed the articles, let me bring you up to date. For Earth Day this year, I started to explore whether going with solar power would save me money. Then I forgot about it until the question of leasing solar panels came up on another blog post. That got me motivated to have a company give me a free initial proposal which showed that solar could cover 83% of our energy needs. In meeting with the company, we came up with a revised proposal that would cover 101% of our energy needs. Finally, I wrote about…
  • add this feed to my.Alltop

    No Credit Needed

  • Avoid These Budgeting Mistakes

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

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

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

    NCN
    15 Sep 2014 | 4:00 am
    A quick Google check confirms it:  The first day of fall is September 22. I had to look that up just to be sure, because the high today was 91 degrees, which is decidedly un-fall-ish. In just a few weeks (hopefully!) the weather will turn and fall will be here.  In preparation, I’ve been working hard to get our house ready for fall – and the winter to follow. Outside – Rain Gutters – At the end of summer and winter, I clean out our rain gutters.  With several large oak trees in our yard, it’s important to routinely remove fallen leaves from our rain gutters.
  • My DIY Adventures

    NCN
    20 Aug 2014 | 6:11 pm
    Over the past few years, I’ve worked to improve my DIY skills.  Here are a few of the projects I’ve tackled – with an eye towards saving money and doing it myself. I replaced the garbage disposal below our kitchen sink.  This project was relatively simple.  I worried a little bit about the electrical connection, but I figured it out.  The disposal connects to the bottom of the sink via a special bracket and connects to the dishwasher via a long hose.  Prior to disconnecting the old disposal, I snapped several pictures of its various connections.  When connecting the…
 
  • add this feed to my.Alltop

    Free From Broke

  • Save Money – Ask About Bundling Insurance Policies

    Kevin Mulligan
    24 Oct 2014 | 3:27 am
    How many insurance companies do you have? Not just insurance policies, but how many insurance companies are you juggling? If you are working with multiple insurance firms you might be missing out on significant savings that you can get by bundling your insurance policies. Most Americans have several lines of insurance to cover various aspects of their lives: car insurance, homeowners or renters insurance, and life insurance are some of the most common policies.  Price shopping is common by consumers and often the lowest bid company wins. But is that the best strategy? How Does Bundling…
  • FutureAdvisor Review – Investment Management and Advice With Low Fees (Even Free)

    Kevin Mercadante
    20 Oct 2014 | 7:02 am
    FutureAdvisor is a web-based investment platform that automatically manages your portfolio. The site offers comprehensive investment management and does so with one of the lowest fee structures in the industry. Read on as we review FutureAdvisor and you’ll see whether they are a great investing platform for you. FutureAdvisor – Get Professional-Grade Investment Management at a Low Price Who Is FutureAdvisor? FutureAdvisor gives you automatic investment management as well as free tracking. Based in San Francisco, FutureAdvisor began in 2012.  The founders and management team of…
  • How to Budget for Christmas Shopping – Your Guide to Survive the Holiday Season

    Glen Craig
    15 Oct 2014 | 3:44 am
    Yes, it is only just Fall and the leaves are barely starting to change color but before any of us realize it, the snow will be on the ground and Jingle Bells will be playing at the mall (OK, the holiday music will start once Halloween is over). Budgeting for Christmas shopping now may sound like a chore but it can be the life line you need to avert debt. Typically when a person goes Christmas shopping and there is no budget, then this gives the illusion of having no limits – and no limits often leads to January credit card bills that hurt. I’ve heard people talk about how they…
  • Barclaycard Arrival Plus World Elite Mastercard – Review: 40k Bonus Miles, 2x Rewards, and More

    Glen Craig
    9 Oct 2014 | 5:25 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 keep reading our review 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…
  • Read These 12 Tips and Save on Halloween Costumes for Your Kids

    Glen Craig
    3 Oct 2014 | 3:07 am
    Halloween is great fun!  I can honestly say it’s one of my favorite holidays. Here’s the one holiday where you are allowed to dress up and go around asking people for candy.  And they give it to you! I remember how exciting it was going around town in my Halloween costume, getting candy from all of the neighbors. Some years I would really score. We’d go visit my grandparents in the Bronx (Co-Op City) and go up and down their apartment building visiting as many doors as I could (don’t worry, the grand’rents and the ‘rents made sure all the candy was good…
  • add this feed to my.Alltop

    Blogging Away Debt

  • Something to look forward to…

    Hope
    22 Oct 2014 | 10:15 am
    We’ve had a rough couple of weeks including the car wreck from last week.  Our budget has been tighter then normal with having to purchase replacement food and spend more to get the house on the market than anticipated.  In fact, I’ve still got a couple of bills to pay from that.  We are certainly not suffering, but additional stress has wreaked habit on my normally silver lining filled personality, and as a result, has affected the kids perspectives. So my remedy…a vacation budget for all of us to see and contribute too!  And here it is! Our vacation fund. We’ve…
  • Don’t Jinx Me, But…..

    Ashley
    20 Oct 2014 | 6:00 am
    Remember when I shared my last interview with you all? It had gone so well and I was SO SURE I would get offered the position! Well, not only was I not offered a position, I never even heard back from them. (imagine in Full House‘s Stephanie Tanner voice:  How Rude!) I emailed them a week after the interview to ask if a hiring decision had been made and was told they expected a decision by the end of the week. The week came and went and…..(crickets)….nothing. So I was almost reluctant to share this with you guys, but I’m sure you’ll be pulling for me and…
  • Wish Me Luck

    Ashley
    19 Oct 2014 | 6:00 am
    Note from Ashley:  This post has nothing to do with debt. If that makes you upset, then just skip it and come back tomorrow. Thanks! : ) Today is the day!!!! Remember when I mentioned that I’d secretly been training for a half-marathon (my first long-distance race since having the twins!!!) Well it’s today! 13.1 miles or bust!!! When we had our coffee date I mentioned that I was scared I wouldn’t finish in time. Many half-marathons have cut-off times and they’ll pick you up and transport you back to the finish line if you aren’t done in time. I’ve always…
  • The Downside of Living on Last Month’s Income

    Ashley
    18 Oct 2014 | 6:00 am
    I’ve run into a problem with living on last month’s income. In general, I think its an awesome thing and has been really valuable for us. But maybe you YNAB-ers can fill me in on how to handle this situation…. You’ve got a budget all planned for the month and things are going well. Mid-way through the month (and everything is on track), something costly comes up. It cannot be put off until the following month and it is 100% for sure going to blow your budget. If you are living on your current month’s income then maybe you can try to sell some things, work extra hours, or do whatever…
  • You Get What You Pay For

    Ashley
    17 Oct 2014 | 6:00 am
    Remember when I talked about the kiddos climbing out of their cribs and how we’d have to buy some expensive bed rails soon? Well, I have an update to report. Based on some of your suggestions I decided to opt for a bed rail as opposed to the fancy-pants (and $$$) toddler crib conversion kit. I ordered the cheapest crib rails I could find on ebay, to the tune of $25 + free shipping. Plus it was one of those “name your price” things so I emailed the vendor and asked if I could get a deal if I bought two. Out the door it ended up costing me $45 (a $5 savings) and I got free shipping to my…
  • add this feed to my.Alltop

    Clever Dude Personal Finance & Money

  • FREE Software That Can Save You Headaches and Money

    Brock
    22 Oct 2014 | 2:00 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net My dad doesn’t talk much during my weekly phone calls with my parents, but he does pop on the line every now and then to get the abbreviated version of what’s going on. On one particular night as the conversation with my mom was winding down I heard the, “click” indicating he had joined us. “I need you to take a look at my computer the next time I see you. It’s super slow, and things keep popping up. It all started after a weird phone call,” he said. About eight years ago the improbably happened, and my very old…
  • Can Kcups Be Used More Than Once?

    Brock
    20 Oct 2014 | 2:00 am
    My wife is a coffee drinker, however I am not. It’s a strange phenomenon as I love the smell of freshly brewed coffee, but I cannot stand the taste. Even more strange is the fact that coffee tastes almost exactly how it smells. Despite my lack of love for coffee, I commonly make my wife a cup using her beloved Keurig single cup coffee maker before she comes downstairs in the morning. I know that she prefers her coffee with one cream and one packet of sugar. Through the years of this routine I’ve asked myself countless times why we use the Kcups that hold the coffee grounds only once.  …
  • Clever Posts Of The Week – October 17th

    Brock
    17 Oct 2014 | 6:40 am
    Happy Friday, Clever Friends!  This weekend we’re having a contractor come and give us ideas for remodeling our basement.  It had once been solely purposed as a toy room for our son, but he has outgrown the need for a toy room with matchbox cars and construction toys.  He and his friends still play video games down there, but we think it’s time to upgrade.   It’s likely going to cause some damage to our finances, so there’s some heavy thinking to be done before we press the GO button that. Maybe I need to re-read some of my favorite finance articles of the week to…
  • Get yourself free

    Clever Dude
    15 Oct 2014 | 11:14 am
    Do you love your job? Do you look forward to getting back to work after the holidays or after the weekend because you really enjoy what you do? If you’ve answered a resounding “yes” to both these questions, then well done and please read no further as long as your job is secure anyway. If, on the other hand, you’re the type of person that gets that “Sunday night blues” feeling – then maybe it’s time to take action to get yourself free? Any kind of break from your normal routine is a good opportunity to take stock. You see many people these days living very high on the hog…
  • Why I Will Never Automate My Finances

    Brock
    15 Oct 2014 | 2:00 am
    Image courtesy of supakitmod at FreeDigitalPhotos.net Businesses love it when you sign up for automatic payment. You can’t forget to send them their money, although you do have to make sure you have enough money in your account. I absolutely hate it, which is why with the exception of my car loan (which I received an interest rate reduction in exchange for signing up for automatic payments) I have ZERO automatic payments extracted from my bank account. Automatic payments, or subscription auto renewals, are also a way that businesses get you to pay for services that you may not want any…
 
  • add this feed to my.Alltop

    Don't Mess With Taxes

  • Some retirement plan contribution, AGI limits go up in 2015

    skbell1
    23 Oct 2014 | 4:27 pm
    The key to a comfortable retirement is saving now. The tax code helps by offering tax breaks for a variety of retirement savings plans. Even better, every year the Internal Revenue Service looks at inflation and decides whether the tax limits, both on contributions and income levels that affect some plans, need to be tweaked. For the coming 2015 tax year, the IRS announced today, Oct. 23, that many of the pension plan limitations will change. Others, however, will remain unchanged because the increase in the cost-of-living index didn't meet the statutory thresholds that trigger their…
  • House a wreck? Move! But you can't deduct it on your taxes

    skbell1
    22 Oct 2014 | 9:41 am
    Even in drought-stricken Texas, the phrase "when it rains, it pours" is true. Except in our case, it's not precipitation that's piling on; it's home repair and maintenance issues. Back in August, the main spring on the hubby's garage door decided to snap. A few weeks later our kitchen faucet needed to be replaced. That's the shiny new one there to the right. This week, painters are working on our home's trim. The stucco portion of the house is on repaint hold while we look for someone to repair a gable vent. Then we'll get that area painted, after…
  • NY tax scammers copying fake IRS tax call template

    skbell1
    21 Oct 2014 | 1:27 pm
    When it comes to crime, imitation is the easiest way to get quick ill-gotten gains. Take, for example, the latest tax scam causing problems for some New Yorkers. State tax officials say scammers who claim to work for an attorney are calling New York taxpayers and offering to help them settle their outstanding state tax debts. More like helping to put honest taxpayer money into crooks' pockets. Sound familiar? For months, con artists pretending to be Internal Revenue Agents have been calling folks nationwide, demanding money the callers say the call recipients owe Uncle Sam. That scam,…
  • Jury doesn't buy 'vow of poverty' as excuse for not filing taxes

    skbell1
    20 Oct 2014 | 1:40 pm
    By now, most Americans have wrapped up their annual tax-filing duties. And it's probably safe to say that a lot of folks are feeling a lot poorer after fulfilling their tax responsibilities. Some individuals, however, have tried to use a religious vow of poverty to avoid taxes altogether. In these egregious tax evasion cases, they haven't been successful. Poverty vow was a poor tax argument: Take the case of Timothy Dale Jackson. The 50-year-old orthopedic surgeon from Pass Christian, Mississippi, claimed to have taken a vow of poverty with a Utah-based church. Jackson said that…
  • More businesses are electronically filing tax returns

    skbell1
    19 Oct 2014 | 3:03 pm
    Back in 1998, one of the provisions of Internal Revenue Service Restructuring and Reform Act called for the tax agency to get 80 percent of its returns electronically by 2007. Targets are all well and good, but as anyone who has dealt with Uncle Sam knows, he tends to run on its own, usually slower, timetable. That's what happened with the mandated suggested e-filing target. The IRS did get 80 percent of individual filers -- actually 81 percent -- to file electronically, but not until 2012. But since then, the number of e-filing individuals has grown steadily. Through mid-May this year,…
  • add this feed to my.Alltop

    Money Smart Life

  • The Most Important Thing You Can Do To Get Out of Debt

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

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

    Kevin Mercadante
    6 Oct 2014 | 2:26 pm
    Next to the loss of your income, the biggest concern you’ll probably have following a layoff is the prospect of losing your health insurance. This is a rational concern. Not only will you not have sufficient income to deal with medical events, but the very fact that you’re unemployed can make you more vulnerable to accidents, injuries, and certain types of illnesses. For these reasons, you’ll want to do whatever you can to make sure you have at least some type of health insurance in place during your time of unemployment. The most common form of health insurance following a layoff is…
  • How to Convert Employer-Paid Insurance to an Individual Policy Upon Layoff

    Kevin Mercadante
    29 Sep 2014 | 6:00 am
    After you experience a layoff, there is a provision in federal law – known as COBRA – that will enable you to retain your employer-sponsored health insurance plan for up to 18 months or longer. But health insurance is hardly the only type of insurance coverage that you may have with your employer. There are other types of policies that you may have had through your employer, and you may wish to continue them after you’ve been separated. Unfortunately, other types of employer-sponsored insurance plans are not dealt with the way health insurance plans are under COBRA. In fact,…
  • How to Convert Your Layoff Into the Opportunity of a Lifetime

    Kevin Mercadante
    22 Sep 2014 | 12:11 pm
    A layoff typically comes as a complete surprise. When it hits, you might even be in for a bit of a shock. There’s usually a combination of hurt, anger, fear, and anxiety. But once the initial shock wears off, you might want to try to apply a little bit of positive energy to the situation. No, a layoff is not a happy event. But while we can’t control what happens to us, we can certainly change the way we deal with it. At a time like this, it might be best to step back and do some reflecting. Are there any reasons why this layoff could possibly be a positive development? I can actually…
  • add this feed to my.Alltop

    Queercents

  • Halloween Costume Ideas 2014

    DJ
    1 Oct 2014 | 1:11 am
    An escape from today’s economic reality may be one word that may actually help stimulate the economy…Halloween which has turned out to be a retailers dream this year instead of last years nightmare. On average we are expected to spend around $66 each on costumes including all the decorations we are placing outside our homes […]
  • Free “Don’t Tread On My Obamacare” Sticker

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

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

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

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

    MoneyNing

  • Do You Know How Your State Calculates Vehicle Registration Fees?

    Travis Pizel
    23 Oct 2014 | 5:00 am
    The vehicle registration notification came in the mail today — but I expected this. The amount on the bill to register the van we bought in January was a bit of a shock to the system, however. Before purchasing our new family car, we owned the same 2 vehicles for almost ten years. The yearly registration fee for them was $99, and had been so for as long as we could remember. But this time, the registration for our new van was $342. The fee for our van’s license tabs wasn’t something we’d given much thought to when we were buying our new car. It was a once-a-year type…
  • Host a Fantastic Thanksgiving Dinner Without Busting Your Budget

    Alexa Mason
    22 Oct 2014 | 5:00 am
    Are you thinking of hosting Thanksgiving this year? Wouldn’t it be awesome if you could throw a dinner party without busting your budget? Well, good news! You don’t need to spend a ton of money to host an amazing Thanksgiving dinner party. In fact, spending too much on the dinner can suck the joy right out of it. Thanksgiving is a season for thanks and a time to appreciate each other, so there’s no need to lavishly spend money. There are only a few weeks left until Thanksgiving Day, so start planning now. Doing so will ensure you have a frugal and fabulous Thanksgiving dinner…
  • How Much Debt Are You Comfortable With? 3 Questions to Ask

    Miranda Marquit
    21 Oct 2014 | 5:00 am
    “I’m comfortable with my level of debt,” said a long-time friend of mine not too long ago. He was explaining why he isn’t making an effort to aggressively pay down his credit card debt. He makes a decent living, and most of his credit card debt is the result of youthful financial indiscretions. Since he can afford it, and he likes his current lifestyle, he sees no reason to sacrifice to pay it down faster. In other words, he’s comfortable. In fact, in every other area of his financial life, he’s doing what we think would be the “right” thing.
  • 5 Tried and Tested Methods to Save Hundreds on Auto Repair Bills

    Allison Martin
    20 Oct 2014 | 5:00 am
    There are two primary reasons to visit your local dealership: either to buy a new car, or have your current car serviced. Do you dread the latter? A few years ago my answer would have been “Yes”. Visits to the service department used to make me nervous. Each time I took the car in for a basic oil change or routine maintenance, the customer service rep would come back with a laundry list of repairs that needed to be done. Sometimes, the figures on the page would be in the high hundreds. And I don’t know about you, but I have a ton of other items on my list that I would…
  • How to Make Being a Stay-at-Home Mom a Reality

    Ashley Eneriz
    18 Oct 2014 | 5:00 am
    Many times when people ask me what I do, I get mixed responses when I explain that I’m a stay-at-home mom. Some people are a little put off by it (which is totally fine), while others look at me as if I have stumbled upon this lucky coin in life. “I wish I could stay at home with my babies too, but we need my income”, is usually the response I hear. For some individuals, staying at home is not a choice because they do need the extra income. However, when another mom tells me how lucky I am, I can’t help notice that they have a nice iPhone, new and trendy clothes, as…
  • add this feed to my.Alltop

    Money Blue Book

  • 3 money moves to make before a career change

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

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

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

    19 Sep 2014 | 10:44 pm
    According to a popular estimate, more than 40 million Americans now owe a combined $1.2 trillion in student loans. That's made the issues surrounding these loans -- including income-based loan repayment plans -- a hot topic lately. Income-based repayment plans may lower your monthly payments and, ov [...]
  • Today, scandalous celebrity photos. Tomorrow, your financial records?

    11 Sep 2014 | 3:12 pm
    Can you believe it? If Jennifer Lawrence, Rhianna and other A-listers are vulnerable to major thefts of information like the high-profile leak perpetrated in August, wouldn't it be just as easy to swipe personal data from all of us regular people? For anyone who uses online savings accounts or perso [...]
  • add this feed to my.Alltop

    treesfullofmoney.com

  • New eBook: “How to Get a Job on an Offshore Oil Rig”

    Ben
    12 Oct 2014 | 12:13 pm
    Hello folks! I’m happy to announce the release of my new eBook “How to Get a Job on an Offshore Oil Rig“! Expert Advice on Applying for Offshore Oil Rig Jobs: As you’ll see in the table of content’s listing below, I cover everything you’ll ever need to know to get a job in the offshore drilling industry. This book can literally be life changing! I’ve put a lot of time into this book and hope that you find it beneficial in your search for employment in the oil and gas industry. My name is Benjamin Dinsmore and I’ve been working in the offshore oil and…
  • Keep Your Pension or Take a Lump Sum Buy-out?

    Ben
    7 Oct 2014 | 1:49 pm
    Has your current or previous employer offered you a lump sum buy-out package in lieu of your pension? Deciding on whether or not to take a lump sum payment instead of monthly pension payments can be a very difficult decision to make. On one hand, you like the idea of having control of your hard earned money. On the other hand, the assurance of having a reliable source of income each month would be nice too. To help you through this difficult decision, I have created this simple guide to decide whether or not you should accept a lump sum package from your employer or if you should opt to…
  • 2015 Open Enrollment Benefits Guide

    Ben
    4 Oct 2014 | 10:49 am
    It’s that time of the year again! That’s right…it’s Open Enrollment season! Open enrollment periods (typically occurring at the end of the year for most employers) are the times when employees are able to make benefit package selections for the upcoming year. Knowing how to maximize your benefits for your family can help save you thousands of dollars a year but it will require a little planning on your part. This guide will help you make the most of your employer’s 2015 benefits package and help ensure you’re getting the most value out of your employer…
  • How 401k Contributions Affects Your Take Home Pay

    Ben
    3 Oct 2014 | 6:56 am
    Are you thinking of increasing your monthly contribution amount to your company’s 401k plan?  Perhaps you’ve wanted to increase the amount you contribute to your 401k plan each month but weren’t sure if you’d still be able to meet your monthly financial obligations with the decrease in net take-home pay. We’ll there’s good news you may not realize regarding 401k contributions! Increasing your monthly 401k contributions does not affect your take home pay on a dollar for dollar basis. Take a look at my handy 401k contributions table above.  If your…
  • Understanding 401k Annual Compensation Limits

    Ben
    2 Oct 2014 | 12:28 pm
    401k Annual compensation limits are probably one of the least understood variables that could affect your 401k retirement plan savings rate. It’s important to remember that regardless of how much you earn, you are able to contribute up to the maximum allowable 401k contribution limit each year. However, the matching contributions that your employer makes on your behalf can be affected if you make over a certain amount each year (hence the term compensation limit). In this article, I hope to explain annual compensation limits for 401k plans and provide an easy to understand example. How 401K…
 
  • add this feed to my.Alltop

    The Dough Roller

  • DR 119: Advanced Social Security Benefits Strategies–Interview with Marc Kiner

    Rob Berger
    22 Oct 2014 | 4:18 pm
    One of the most important and confusing decisions retirees must make is how and when to claim social security benefits. There are countless things to consider including age to start taking benefits, whether you’ll continue to work, spousal benefits, and full retirement age. For that reason, I asked Social Security benefits expert Marc Kiner to be a guest on the Dough Roller Money Podcast. Marc is a founder of the National Social Security Advisors and an owner of Premier Social Security Consulting. We cover a lot of key strategies for taking Social Security benefits: Why more than 90% of…
  • DR 118: 9 Actionable Tips to Help You Stick to Your Investment Plan

    Rob Berger
    20 Oct 2014 | 6:52 am
    It’s advice we hear time and again–stick to your asset allocation plan. Whether the stock market is reaching new highs are new lows, don’t change your investments apart from rebalancing. It’s the kind of advice that is simple to understand, but difficult to follow. In fact, a lot of investors don’t follow this advice. In my column at Forbes, I recently published an article on the benefits of a falling market. The research I did for that article underscored just how much investors lose out of fear (selling when the market is down) or greed (buying when the market…
  • DR 117–Cheapest Place to Buy a iPhone 6

    Rob Berger
    16 Oct 2014 | 10:55 am
    The release of the iPhone 6 and iPhone 6 Plus raises an important question–is the iPhone 6 worth the cost? While nobody can answer that question for you, I decided to pull together as much information as I could on how to find the best deal on the 6 and 6 Plus. What a headache. What I thought would be an easy research project turned into numerous online chats with cell phone carriers and even a visit to a Verizon Wireless Store. Good grief! I encountered conflicting information online. Contract terms were confusing. There are special deals if you have one line only. There are other…
  • DR 116: Dividend Investing (Part 3)–Dividend Growth

    Rob Berger
    12 Oct 2014 | 7:55 am
    This is the third article in an ongoing series on dividend investing. In part 1 we started with an introduction to dividends. In part 2 we examined how dividends work in conjunction with mutual funds. Today we are going to look at dividend growth. My goal for this article and podcast is to convince you that a higher dividend yield does not always make for the best investment. Rather, one should look at the historical growth of the dividend and evaluate the likely future growth as well. This is no academic exercise. Lack of growth can be the difference between a carefree retirement and one…
  • DR 115: How to Prepare Your Spouse to Invest When You Are Gone

    Rob Berger
    11 Oct 2014 | 6:32 am
    In many families, one spouse handles the investments. As for the other spouse, he or she often has little interest in understanding mutual funds, ETFs, asset allocation, or retirement accounts. Yet what would happen if the one handling the investments were to die or incapacitated. How would the non-investing spouse handle this important responsibility? The other day my wife and I were watching a rerun of Law & Order. During a commercial I asked her what she would do with our investments if I got hit by a truck. She quickly responded that she would do nothing with them. She’d leave…
  • add this feed to my.Alltop

    Hustler Money Blog

  • Motif Investing Review: $100 Referral Bonus

    Hu$tler
    24 Oct 2014 | 12:42 am
    Want to earn a $100 bonus using my Motif Investing referral link? Simply open a Motif Investing non-retirement account with at least $1,000, make your first Motif trade, then we will both earn a $100 bonus. A motif consists of up to 30 stocks, ranging from Biotech Breakthroughs to Healthy and Tasty, costs only $9.95 per trade. You could also customize motifs any way you like – add or delete stocks and even change weightings. Once your first motif trade is executed, we’ll both each receive a $100 credit to our Motif Investing non-retirement accounts – or a $100 Amazon gift…
  • Banana Republic Coupons, Discounts, and Promo Codes: Save Up To 70%

    Hu$tler
    23 Oct 2014 | 2:21 pm
    Find all the best Coupons, Discounts, and Promotion Codes to save up to 70% Off when shopping at BananaRepublic.com. Use Offer Code BRSHOPNOW to get 50% off on Banana’s regular and 50% off sale items. The promo code expires 10/25/2014 Banana Republic Coupons, Discounts, and Promo Codes A member of the Gap brand since 1983, Banana Republic is the premier popular clothing chain of over 600 stores in North America, Asia and Europe. Known for its high-end styles at affordable, mid-range prices, Banana Republic is a one-stop-shop for commercially tailored suits, business attire and cocktail…
  • U.S Bank FlexPerks 3,500 Bonus Points Promotion

    Hu$tler
    23 Oct 2014 | 2:16 pm
    Those with a U.S. Bank FlexPerks Business Travel Rewards Visa® card ( 20,000 Bonus FlexPoints) or the regular FlexPerks card, you can earn 1,000 points for registering an account with Visa Checkout good until November 30, 2014. No requirement to shop with the account. You could also earn another 2,500 bonus points for $2,000 spend between November 1 and December 31, 2014. Registration required. Register today at flexperkspromos.usbank.com or by calling 866-951-8219, enter your FlexPoints number and promo code 37852. For the personal FlexPerks card, you can get 3x the points on charitable…
  • Chase Sapphire Preferred Review – 40,000 Bonus Points($500 towards hotel/airfare) Best Travel Card!

    Hu$tler
    22 Oct 2014 | 10:55 pm
    By far the best Chase Sapphire Preferred card offer you will find, this is a phenomenal $500 signup bonus value card towards air/hotel. Not just a regular everyday spending card, but for international travel too with no foreign transaction fees! Chase Sapphire Preferred Review Chase Sapphire Preferred® Card offers 40,000 bonus points after you spend $3,000 in purchases within the first 3 months. With 40,000 bonus points, you can redeem for $500 towards airfare and hotel accommodations.  You can earn an additional 5,000 bonus points after you add the first authorized user and make a purchase…
  • Chase Bank $200 Total Checking Bonus Coupon Code

    Hu$tler
    22 Oct 2014 | 6:47 pm
    Chase Bank $200 Checking Bonus Coupon Code The Chase Bank $200 Total Checking bonus coupon code with direct deposit available through November 15, 2014. Available to new Chase checking customers only, you must deposit $100 within 10 days along with setting up a direct deposit within 60 days to earn the $200 bonus. I have some Chase Total Checking $200 Coupons with Direct Deposit to give out. However, you must follow the directions below to get a Chase $200 coupon. For HustlerMoneyBlog Readers: I currently have a few Chase $200 Total Checking coupon codes good until 11/15/2014, you can email…
  • add this feed to my.Alltop

    Personal Finance News

  • TTR Adds Answers for Non-Profit Hospitals

    ACN Staff
    24 Oct 2014 | 3:13 am
    LIGHTNING RELEASES: McMinnville, OR (10/24/2014) – Transaction Tax Resources, Inc. (TTR), the leading provider of sales and use tax answers, announces the release of nonprofit hospital tax answers. For years, TTR has provided tax answers for all kinds of purchases by a for-profit hospital – from iodine to oxygen tanks to surgical staplers. Now, TTR […]TTR Adds Answers for Non-Profit Hospitals was created by and is property of American Consumer News.
  • Troubled Teens Finding Sobriety with New Chestatee, GA Substance abuse Advice Helpline

    ACN Staff
    24 Oct 2014 | 3:13 am
    The troubled teen helpline for Chestatee, GA is changing how teenagers locate a teen recovery clinic with specialized addiction therapists. LIGHTNING RELEASES 10/22/14 — A new helpline for troubled teens operating in Chestatee, GA is assisting juveniles as they search for a dependable teen recovery clinic with specialized addiction therapists. By calling the helpline at […]Troubled Teens Finding Sobriety with New Chestatee, GA Substance abuse Advice Helpline was created by and is property of American Consumer News.
  • Troubled Teens in Ivylog, GA are Discovering New Helpline for Addiction Recovery

    ACN Staff
    24 Oct 2014 | 12:12 am
    The troubled teen helpline for Ivylog, GA is changing how adolescents discover the right teen addiction recovery facility with certified rehabilitation counselors. LIGHTNING RELEASES 10/22/14 There are some teenagers in Ivylog, GA who struggle with a serious substance abuse issue but don’t know where to turn for help. Thankfully a new hotline operating specifically for […]Troubled Teens in Ivylog, GA are Discovering New Helpline for Addiction Recovery was created by and is property of American Consumer News.
  • Surrey Poll 69% Voters want Change,reported Vancouver Sun-Mayoral Bajwa

    ACN Staff
    23 Oct 2014 | 4:39 pm
    Surrey BC. Simran Gill. Vancouver Sun reported Voters ready for change, new poll finds, has upset the purported Polls by Surrey First, Safe Surrey and other politically motivated polls to garner support in Municipal Elections.“Today Vancouver Sun put to rest, our agenda of New Mayor Change Surrey”, said Mayoral Vikram BajwaIs your local Government doing […]Surrey Poll 69% Voters want Change,reported Vancouver Sun-Mayoral Bajwa was created by and is property of American Consumer News.
  • Juno, GA is Home to New Drug and Alcohol Recovery Helpline for Teenagers

    ACN Staff
    23 Oct 2014 | 3:09 pm
    The troubled teen helpline for Juno, GA is now operating for adolescents who need help finding the right addiction specialists at teen rehabilitation centers. LIGHTNING RELEASES 10/22/14 A teenager in Juno, GA who struggles with substance abuse needs to get help from professional addiction specialists at teen rehabilitation centers as soon as possible. Drugs and […]Juno, GA is Home to New Drug and Alcohol Recovery Helpline for Teenagers was created by and is property of American Consumer News.
 
  • add this feed to my.Alltop

    Cash Money Life | Personal Finance, Investing, & Career

  • Federal Tax Extension Deadline – October 15

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

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

    Kevin Mercadante
    12 Sep 2014 | 5:40 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Find Ideas For a Part-time Business. Millions of people dream about starting their own businesses. But dreaming is usually as far as it goes. Risk, fear the unknown, and fear of failure often stop them in their tracks. But there is a way to spread your entrepreneurial wings that will largely remove that uncertainty, and that’s to start a part-time business. That will enable you to start your business while you still have a paycheck from your job. It will also give you the time that…
  • How Learning “Math for Life” Can Help You Make Better Financial Decisions

    Miranda Marquit
    10 Sep 2014 | 12:58 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How Learning “Math for Life” Can Help You Make Better Financial Decisions. When I graduated with my Master’s in Journalism, I thought I was going to focus mainly on science writing. And, in truth, that’s what I did at first. I wrote for a physics web site, got a gig as a technology and science columnist for my local newspaper, and I even wrote some small pieces for Discover magazine. I had been a physics major in a former life, and I’ve always been interested…
  • Your Parents Have NO Retirement Savings – What’s Your Responsibility?

    Kevin Mercadante
    25 Aug 2014 | 2:01 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Your Parents Have NO Retirement Savings – What’s Your Responsibility?. We all know what a bad situation it is to have no retirement savings. But what if it’s not you, but your parents, who have no retirement savings – what’s your responsibility? On first thought, it might be tempting to dismiss the entire scenario. You can simply assume that your parents have some kind of retirement savings set aside. Or, you can rationalize that if they don’t, it’s not your responsibility…
  • add this feed to my.Alltop

    Grad Money Matters

  • How To Be The Best Babysitter

    GMM
    22 Oct 2014 | 2:00 am
    I used to babysit when I was younger, and it was a great time. It was also a great way to make extra money. I always tried to be the best babysitter I could be, and I think more and more babysitters, nannies, and caretakers need to have this same motivation.Be on time.First off, you need to make sure you are always on time to any of your babysitting gigs.You don’t ever want to be late, because the parents most likely have to be somewhere and you don’t want to ruin their night and cause them to be late just because you weren’t paying attention to the time.Have fun.Always…
  • Should You Go Back To School?

    GMM
    20 Oct 2014 | 1:30 am
    For some people, going back to school is an easy answer. For others, they just are not sure. It can be hard to determine if you should go back to school, as it can be a long and expensive process.So, how do you decide if you should go back to college? Here are different things you may want to think about:What would you go back to school for?While it would be nice to just go back to school and not think about money, school is expensive so you may be able to save money by knowing what you want to go to school for.This way you are not wasting money on classes you do not need or colleges that do…
  • 4 Ways To Save Money Around The House

    GMM
    16 Oct 2014 | 2:00 am
    I’m always looking for ways to save money. No, this does not make me cheap. Instead, I like to think it makes me frugal and a smart shopper. I won’t go too out of my way to save money, because I know that my time is worth money as well. I like to find ways to save money that will continually save me money into the future, or something that will save me enough money to justify the time I have to spend in order to save a certain amount of cash.Below are four money saving tips so that you can keep as much cash in your pocket as you can.1. Keep your windows open this fall as long as…
  • The Correct Approach To Asking Your Boss For a Raise

    GMM
    13 Oct 2014 | 2:00 am
    If you are looking to increase your income, then asking for a raise may be one of the first steps you take in order to do so. Saying that you will ask for a raise is much easier said than done though. It can be hard to do this, let alone wondering whether your boss will accept your raise request or reject it.Below are tips to take the correct approach to asking your boss for a raise.Keep record of your accomplishments over the past year.If you are asking for a raise, then I hope you are a good employee. You should always be keeping track of how you’ve been doing the past year and any…
  • How To Set Yourself Apart From Other Interviewees

    GMM
    8 Oct 2014 | 2:00 am
    Interviewers can be a stressful process. Even if you are great at interviews and/or if you think you are perfect for the job, you may still not actually be receiving any job offers. So, what do you do when this happens?You need to start setting yourself apart from everyone else who is interviewing for the same positions as you are. If everyone is very similar, then little (or sometimes big) things can go a long way and earn you the job.Related articles:Common Questions You May Be Asked in a Job Interview3 Steps After an Interview You Must TakeWhat Matters In a Job InterviewNow, do you have…
  • add this feed to my.Alltop

    The Wisdom Journal

  • Construction Business: Give it a Go or Just Say No?

    Ron Haynes
    22 Oct 2014 | 9:01 am
    Mark Brandon has been working in the construction industry for several years. He shares his own experiences, as well as the knowledge he has learned from other professionals working in the same field at Safe and Sound Property Inspections and in websites such as this one. In this article, he talks about things to consider when putting up a construction business. Is one good break is all you need for a construction business to make you earn loads of cash? Nope, construction business ideas are not particularly born with the thought of being engaged in small stints. Most of the entrepreneurs…
  • 52 Tips to Make Your Home Irresistible to Buyers

    Ron Haynes
    16 Aug 2014 | 2:15 am
    If you’ve taken the plunge and decided to sell your home, a little “sweat equity and elbow grease” can help seal the deal, seal it more quickly, and at a higher price. The longer your home sits on the market, the more people will think there’s something wrong with it or think that the price is too high. And although right now may or may not be the best time to sell your home, you can take these steps to make it irresistible to what buyers ARE out there. The key is to make your home as appealing and irresistible to as many buyers as possible: How to Boost Your…
  • 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…
  • 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…
 
  • add this feed to my.Alltop

    Everybody Loves Your Money

  • Link Love 10/24/14

    Alexa
    23 Oct 2014 | 9:15 pm
    Good morning. Hope you had a good week! In case you’re in need of some weekend reading here are some of my favorite posts from around the blogosphere this week. Enjoy! Money Advice I Would Tell My Younger Self @Making Sense of Cents How Much Do Teachers Really Make? @Eyes on the Dollar 9 Reasons Why I Always Choose Aldi @Retired By 40 Blog 5 Things I Learned From Buying My First Home @Modest Money The Best and Worst Budget Cuts When Getting Out of Debt @Luke1428 Have a good weekend!! The post Link Love 10/24/14 appeared first on Everybody Loves Your Money.
  • Money in Your Twenties – 5 Things You Should Know

    Alexa
    21 Oct 2014 | 9:15 pm
    My twenties are quickly coming to a wrap. (Seriously, where did the time go?!) And while I was lucky to fall in love with personal finance at a young age that doesn’t mean that I haven’t made my fair share of personal finance mistakes. Here are the five things you should know about money in your twenties. Kill Your Consumer Debt and Stay Away From It I’m not a person to say that all debt is bad. But consumer debt? You bet. If you haven’t already, avoid credit cards. If you want to use one to build your credit then make sure you are paying your balance in full each month. It’s really…
  • 6 Places You Can Cash in Your Clutter

    Alexa
    19 Oct 2014 | 9:15 pm
    I’m always looking for ways I can cash in my clutter. And since I go through minimalism kicks and seem to acquire more stuff than I care to admit, I’m looking to sell something at least every other month. While browsing Pinterest the other day I saw this post where Bob Lotich, owner of Christian Personal Finance, sold all of his junk and walked away with $2,145 in one month! I was inspired to see how much I could make by giving my house a deep clean and really decluttering. Instead of trying sell all of my items in one place I started researching where I could get the most bang for my…
  • Link Love 10/17/14

    Alexa
    17 Oct 2014 | 6:20 am
    Good morning :) Hope you had a good week. I get to go eat lunch with my Kindergartner at school in a little bit since she’s student of the week. She’s been looking forward to this all week so I’m pretty stoked! Other than that just a laid back weekend in these parts. If you’re in need of some weekend reading here are some posts from the blogosphere this week that I loved: Retiring Early REALLY Means Being Financially Free @Budgets are Sexy Beyond the Allowance: Raising a Frugal Kid @Frugal Woods How to Lower Your Car Expenses @Believe in a Budget What I Know About…
  • The Cost of Real Estate in Southern Ohio

    Alexa
    14 Oct 2014 | 9:15 pm
    A lot of bloggers have recently been sharing the cost of real estate in their area. Some of the prices seem decent to me while others are completely mind blowing – especially since I live in such a low cost area. I thought it would be nice to join the fun. I’ve went through my local MLS service and picked some of my favorite houses in each of the price brackets below. Here’s the cost of real estate in Southern Ohio. (Just above Cincinnati.) $44,750 This house is currently listed at $44,750. It’s in a decent neighborhood. It’s features are: 2 Bedrooms, Plus a Study 1 Bathroom…
  • add this feed to my.Alltop

    CreditCards.com

  • Obama's credit card spurned by NYC eatery

    Jay MacDonald
    17 Oct 2014 | 1:12 pm
    OK, show of hands: How many of you would have the crust to reject a credit card presented for payment, in person, by a fella named Barack Obama? It happened recently to the President of the United States of America. While in New York City Sept. 24 to address assembled world leaders, the most powerful man in the world had his credit card spurned at a New York City eatery. President Obama recounted the moment Friday in a humorous aside to Consumer Financial Protection Bureau director Richard Cordray during a press conference in Washington while signing an executive order to help protect…
  • Student loan refis not for everyone

    Kelly Dilworth
    17 Oct 2014 | 5:00 am
    As 2014 winds down, the six-month grace period for student borrowers who graduated in May is fast approaching, causing many recent grads to panic over how they're going to repay their student loans. Some well-intentioned commentators are advising student borrowers to consider refinancing their loans with a private lender, which could potentially save them a bundle on interest. But as The Washington Post's Danielle Paquette recently pointed out, the borrowers who are most in need of help are unlikely to qualify for the best deals. "Refinancing, proponents say, is especially attractive as the…
  • Terms to look out for in card agreements' fine print

    Fred Williams
    16 Oct 2014 | 6:46 am
    You may have heard that you should read your credit card agreement carefully to avoid unpleasant surprises down the road. But let's just assume you haven't had the time, or the spare mental energy, to plow through page after page of small print. I'll try to help. I've plowed through hundreds of these agreements over the years, and while there's no one-size-fits-all method for making sense of them, you can at least keep an eye out for critical parts of these arcane, of-the-lawyers, by-the-lawyers, for-the-lawyers documents.It's probably unfamiliar territory. Most people sign up for a new card…
  • Colleges should re-evaluate tuition payment policies

    Sienna Kossman
    15 Oct 2014 | 1:30 pm
    I didn't use a credit card to pay my college tuition, but I think students and their parents should have the flexibility to make payments in whatever way works best for them.If a family wants to rack up reward points or break up a big tuition payment into smaller pieces over time with a card, why shouldn't they? Or if a student needs to cover a $500 college bill until a loan is processed, why should she be charged an extra 2.62 percent for using plastic to pay the bill on time instead of accumulating late fees -- and potentially dropped classes -- by waiting for the loan? In a time when you…
  • By blinding retailers, mobile payments may boost privacy

    Kelly Dilworth
    10 Oct 2014 | 4:59 am
    When Apple Senior Vice President Eddy Cue introduced the company's mobile payment system Apple Pay last month, he made a pointed comment about its privacy features: "Security is at the core of Apple Pay, but so is privacy," said Cue. "We are not in the business of collecting your data. So, when you go to a physical location and use Apple Pay, Apple doesn't know what you bought, where you bought it or how much you paid for it." Retailers are also kept in the dark, he said. "Cashiers don't see your name, your card number or your security code." So stores can't track your purchases. Nor can they…
  • add this feed to my.Alltop

    One Frugal Girl

  • Bargain Shopping Fail

    One Frugal Girl
    23 Oct 2014 | 2:31 pm
    My son has been sick three times since starting preschool a little over a month and a half ago. Every time he gets sick he seems to pass those lovely germs on to the rest of us. I’ve gotten sick three times in that same span of time. My husband managed to avoid this last cold, but caught the prior two. Luckily our little guy recovers quickly, typically within a day or so, but the symptoms seem to linger in me for days on end. This time around my runny nose has turned into a deep and violent cough, which wakes me from my sleep every hour or so. After a particularly rough night my husband…
  • A Three Year Old Birthday Party and Sticking With My Minimum Gift Rule

    One Frugal Girl
    20 Oct 2014 | 10:04 am
    After much contemplation I decided against a big party for my son’s third birthday. We invited our families to the celebration but chose not to invite any of my son’s friends. I am so happy we took this approach. We don’t see my brother’s children very often and it was great to see my son playing along side his two older cousins without any distractions from other children. Rather than focusing on a large celebration we spent time baking a cake with my son. He helped measure, add the ingredients, mix and even pour the batter into the pan. Once the cake cooled we let…
  • LeapFrog LeapReader Plus Free Book for $31.99

    One Frugal Girl
    20 Oct 2014 | 8:55 am
    I’ve been keeping my eye on LeapFrog LeapReaders for my three year old son and finally spotted a deal. Amazon is currently featuring $5 off LeapReaders plus a free book or flash card set with purchase. Simply click the link above. Choose the LeapReader you prefer, (pink or green), then check the box to the left of the free item you’d like to add. You will NOT see the discounted price until you reach the checkout page. Please note Amazon prices change quite frequently, so make sure the price and deal are valid before proceeding through checkout. I chose the LeapFrog LeapReader…
  • A Little of This A Little of That

    One Frugal Girl
    16 Oct 2014 | 9:46 am
    My finances have been all over the board lately. On the good side of things: My husband never watches television and I typically only watched Chopped or Cutthroat Kitchen once every couple of days so I downgraded our package and requested a monthly discount. Yearly savings: $324. We increased the deductible on our insurance policy from $1000 to $2500. Actually I asked to change it to $5000 but that wasn’t possible through our particular policy. Yearly savings: $240. Requested off-season rates for internet service to our beach home. Yearly savings: $137.48. Our mechanic purchased our…
  • Insurance Options: HSA, HMO or PPO

    One Frugal Girl
    12 Oct 2014 | 2:55 pm
    I sat down this weekend to review our insurance options for next year. As owners of a small company my husband and I spend a ridiculous amount of money on insurance premiums each month. I don’t miss much about my working days, but I do miss the benefit of employer provided insurance. In 2011, (the last year I was gainfully employed), I paid less than $2000 in premiums for an entire year’s worth of insurance! My employer paid $8,725. These days we are on the hook for the entire $10,000 to $18,000 bill! Our options for next year include three different plans; a PPO, an HMO and a…
 
  • add this feed to my.Alltop

    My Dollar Plan

  • BeFrugal Cashback and $10+ Bonus

    Madison
    23 Oct 2014 | 6:51 am
    Our holiday cash back series continues this week with BeFrugal. Don’t forget to use cashback sites when you shop online this holiday season to save you money. The next cashback site we’re highlighting is BeFrugal. It’s similar to some of the other cash back sites in that you can earn cash back just for shopping at your favorite stores! To sweeten the deal BeFrugal is adding a sign up bonus this holiday season! Anyone offering us free money immediately goes to the top of our priority list! How to Get Your $10 BeFrugal Sign Up Bonus Sign up for a BeFrugal account by December…
  • 5 Keys to Becoming a Millionaire

    Don
    22 Oct 2014 | 6:29 am
    Do you want to become a millionaire? I’ll assume you answered yes to that question. What are your plans for getting there? Rob a bank? You will probably have to rob a good number of banks to get to a million dollars and then you will most likely end up in jail anyway. On second thought, robbing a bank isn’t such a good plan. Here is a better plan – follow the 5 tips below and you will greatly improve your odds at reaching millionaire status. It won’t happen overnight, but it will most likely happen (and you won’t go to jail for doing any of these either). How to Become a Millionaire…
  • Holiday Gift Ideas for Wine Lovers

    Kristen
    21 Oct 2014 | 6:20 am
    It’s time for another holiday gift guide to help you with inexpensive ideas for your holiday shopping. This week we are focusing on finding the perfect gift for wine lovers! Chances are you know a person who loves wine. Wine lovers are great to buy for because there are plenty of affordable, interesting gifts you can buy with their favorite beverage in mind. Here are some budget friendly ideas for wine lovers this holiday season. (Photo Credit: Mike Miley) Holiday Gift Ideas for Wine Lovers Electric wine opener. I’ve lost one too many corks inside a wine bottle while struggling with a…
  • How to Make Money with the Target Prepaid Redcard

    Madison
    20 Oct 2014 | 7:03 am
    Last week I took a short road trip across the state to pick up the New Target Prepaid Red Card. Originally, I was excited about the Target Prepaid Red Card just to stack the Target discount with credit card rewards in a multi-step process. What I actually found was fantastic, easy way to make money with direct reloading! Target Strategy to Earn More Cashback My initial strategy was to load the Target Prepaid card with gift cards (with a pin) previously purchased with a credit card, however, you can actually reload your Prepaid Red Card directly with a credit card and earn the credit card…
  • American Express $30 Small Business Saturday Shopping Credit

    Madison
    17 Oct 2014 | 6:28 am
    One of my favorite annual holiday offers is back! It’s our Friday Free Money this week! American Express is running their Small Business Saturday promotion again. This year they’ve tripled the offer! You can now get three $10 statement credits per card! Depending on how many American Express cards you have, this bonus will really add up! How to Get Your $30 in Statement Credits On November 16, register your American Express card for 2014 Small Business Saturday. On November 29th, 2014 (that’s the day after Black Friday) use your registered card for a purchase of at least $10…
  • add this feed to my.Alltop

    My Financial Journey

  • Retirement Nestegg Report – September 2014

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

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

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

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

    MoneyCrush

  • Is Your Teen Ready for a Checking Account?

    Jackie Beck
    20 Oct 2014 | 5:00 am
    Some parents may not consider allowing their young teen to get a checking account at all, but there are valid reasons why it can be good for them to have one. A checking account can teach them how to use ATM cards, debit cards, and even checks responsibly while they are still under your direct supervision (as opposed to when they go off to college and aren’t…) Consider the following factors when deciding when your teen should get a checking account. 1. Their age. At least in the U.S., a teen can’t have “signing privileges” on an account until they are at least…
  • On Investing: Risk Could be Almost Entirely Optional

    T. Miller
    13 Oct 2014 | 5:00 am
    This post is from an evangelist of an investment method called valuation-informed indexing (VII). The post compares and contrasts that method with the more traditional buy-and-hold method, talks about the potential impact on retirement, and points out that investors have a choice about how much risk they want to take on. Investing research affects the lives of millions in intensely personal ways. We don’t get a second chance to decide on an investing strategy. Most of us have available to us about 40 years (from age 25 to age 65) to finance our retirements. The trouble is, there are…
  • Find Your Money-Making “Something”

    Jackie Beck
    6 Oct 2014 | 5:00 am
    When it comes to being successful and making more money, sometimes it’s hard to know exactly where to start. What if you don’t know what you’re good at, or are stumped for ideas? You know you want to do “something”, but aren’t sure what would be a good fit for you. Here are five questions that can help you figure out your money-making something. 1. What do you like to do in your free time during the week? Is that something you’d enjoy getting paid for? For example, maybe you’re a huge fan of a certain TV show, and you watch it all the time.
  • Signing up for Obamacare: My Experience

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    29 Sep 2014 | 5:00 am
    Signing up for Obamacare on HealthCare.gov during their Special Enrollment Period was a big part of what made quitting my job possible. (Open enrollment for 2015 starts November 15, but I didn’t need to wait for that because I met the qualifying event rules.) Applying for coverage I was a little nervous about applying for coverage after all the crap I’d heard on the news last year, but seriously? It was the easiest insurance enrollment I’ve ever done. I just had to create an account, answer a few questions that showed I qualified for the special enrollment period, and pick a…
  • From Renter to Homeowner: Buying for the First Time

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    22 Sep 2014 | 5:00 am
    The day I first considered buying instead of renting, I was looking at the free newspaper I’d snagged from the laundry room. We’d just received notice that our rent would be going up, and needed somewhere more affordable to live. One ad in particular caught my eye as I scanned the rentals: “Cheaper than rent!” it proclaimed. I doubted that could be true, but gave it a read anyway. The ad was from a real estate agent who helped buyers bid on foreclosed HUD homes. I gave her a call and she quickly determined that yes, we probably could afford something, and yes, that…
 
  • add this feed to my.Alltop

    Million Dollar Journey

  • Getting Exposure to the Canadian Energy Industry

    FrugalTrader
    20 Oct 2014 | 4:30 am
    With oil prices falling to 52 week lows,  energy company stock prices are following suit with their own aggressive decline.  These low prices are bound to attract value investors like a number of readers that have recently contacted me. The main theme of the questions are: “how do I obtain exposure to the Canadian energy sector?” One thing to clarify, any investor who has exposure to the Canadian stock market index has exposure to the Canadian energy sector. Approximately 25% of the TSX index are energy companies.  But what if you want  concentrated energy exposure?  There…
  • Starting or Growing a Business? Take Advantage of Business Support Organizations

    Clark
    16 Oct 2014 | 4:30 am
    In previous posts, we looked at different business models and how to write a business plan to aid entrepreneurs. In addition, having a helping hand during the initial start-up phase and subsequent operational stage of a business will go a long distance in paving the way for a successful venture. This post will look at some of the non-financial support avenues available in Canada; for financial support programs, please refer to the following older posts: Canada Small Business Financing Program Government-funded Business Financing Programs Canadian Chamber of Commerce As is well known, the…
  • How To Survive On Only $100 a Month in Groceries

    Sean Cooper
    14 Oct 2014 | 4:30 am
    In my recent article in the Globe and Mail, I’m on track to be mortgage-free by 31, the most common question I received was how I could possibly survive on only $100 a month in groceries. If your family is like most, groceries are your second highly household expense behind mortgage or rent. Although Canada’s annual inflation rate was only 2.1 per cent in August, it seems like prices at the supermarket are rising a lot faster. Not only are prices higher, packages are being downsized, as consumers are being asked to pay more for less – what a concept! It’s enough to make you want…
  • High-yield Stocks, Middle Class, Spousal RRSPs, Forex Trading and more!

    FrugalTrader
    10 Oct 2014 | 4:30 am
    For you stock traders out there, for a limited time, Market Club is offering a free 2-week trial on their stock trading tools (reg $8.95/trial then $59/month). What makes it even better is that no payment information is required, so no need to cancel your payment after the free trial. More info here. My Own Advisor features a guest post on Looking at high yield stocks in a different way. Sustainable Personal Finance discusses 10 Ways to Sell Your House for More Money. The definitions for ‘middle class’ are varied. Canadian Dream wonders if it matters where one fits in through his…
  • Net Worth Update October 2014 – SmilingSaver (Deep in Debt)

    FrugalTrader
    6 Oct 2014 | 4:30 am
    Welcome to the Million Dollar Journey August 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. SmilingSaver was selected as a team member and will post net worth updates on a regular basis. Here is more about him. Profile: Name: SmilingSaver Age: 29 Net Worth: negative $55,612 Day Job: Engineer Family Income: $72,000 – Promotion last month. Goals: Save For Wedding in May $15000 – Done August 2014. Start 2016 Debt free. Notes: Fiancé…
  • add this feed to my.Alltop

    Bible Money Matters

  • Unboxing Of The Republic Wireless Motorola Moto X Smartphone

    Peter Anderson
    20 Oct 2014 | 9:43 am
    If you're looking for an amazing phone, with a great service, I'd highly recommend checking out the Moto X from Republic Wireless. Here's a full unboxing and review! The post Unboxing Of The Republic Wireless Motorola Moto X Smartphone appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How Much Do You Trust Your Real Estate Agent?

    Miranda Marquit
    15 Oct 2014 | 9:39 am
    How can you find a real estate agent you can trust if you don't have access to someone you already know and trust? Here are some tips. The post How Much Do You Trust Your Real Estate Agent? appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Write A Life Plan, The GPS To Your Envisioned Future

    Peter Anderson
    10 Oct 2014 | 12:16 pm
    A life plan will allow you to live life with more clarity, balance and peace of mind. So how do you write a life plan, and what questions should you answer? The post How To Write A Life Plan, The GPS To Your Envisioned Future appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Be Your Own CFO By J.D. Roth: A Way To Revolutionize Your Financial Approach

    Melissa
    6 Oct 2014 | 10:48 am
    In his new guide J.D. Roth explains why you need to make carefully calculated decisions about your finances, just as if you were your own CFO. The post Be Your Own CFO By J.D. Roth: A Way To Revolutionize Your Financial Approach appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Cut Those Scary Halloween Costs

    Contributing Author
    3 Oct 2014 | 5:05 am
    While Halloween is nowhere near as expensive as Christmas it can still be an expensive holiday. Here's how to cut those scary Halloween costs. The post How To Cut Those Scary Halloween Costs appeared first on Bible Money Matters and was written by Contributing Author. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • add this feed to my.Alltop

    Canadian Personal Finance Blog

  • Redux: Real World Example: Kids Allowances

    Big Cajun Man
    23 Oct 2014 | 5:07 am
    Back in 2005 just when I was starting to blog, I never really knew what I was going to write about (nothing much has changed), so I wrote about the system I put in place to make sure that my kids got their allowances. I still do use these accounts to transfer money to my kids, and I have added a few comments of my own to the original article. Real World Example: Kids Allowances OK, so back to what this blog is about, real world financial ranting. I did rant a lot back then didn’t I? The 10 Bob Note When I was Young That Would Have Been a great Allowance For the longest time my wife and…
  • Tales of Financial Persistence

    Big Cajun Man
    21 Oct 2014 | 5:16 am
    Yesterday I was relentless in reaching my goal of erasing from my monthly bills one of the most embarrassing charges I could have, as a High Tech Financial Blogger, and that is paying for America On Line services. It all started in 1993 when I first joined AOL, and I got e-mail address awhit34109 AT aol.com . Back then we needed dial-up access to get to the Internet, and back then, it really wasn’t the Internet, it was just a bunch of Newsgroups and Forums all complaining about things (so not much has changed really). Back then AOL used to send you a CD every month (or every day) in the…
  • Reversing Mutual Fund Purchases

    Big Cajun Man
    20 Oct 2014 | 5:05 am
    TD’s Mutual Fund group proved yet again why I really don’t like dealing with them. Some might ask, “Why do I have so many TD Mutual Fund accounts?”. Surprisingly because I had a group of CT Mutual Fund Accounts, that changed over to TD Mutual Fund accounts (I should have just closed them and gone with TD Waterhouse accounts, but hindsight is 20/20). One of the accounts is my “Emergency Fund“, and  I decided that I should maybe move funds from a T-Bill Fund to a Bond Fund (E-series) just for a little bit of growth. A Bond Fund is a little riskier than a…
  • Crashing Markets, Ebola, Low Loonie, Cheap Gas and #BestThisWeek

    Big Cajun Man
    17 Oct 2014 | 4:01 am
    As predicted a market correction is happening (where predicted means, 8 out of the last 2 market corrections have been correctly predicted), and the world is excited. We have the crazed old sages saying, “See I told you!“, others saying, “Nothing to worry about“, and still others saying “this is why you should have an actively traded portfolio“, naturally my philosophy is, “I am an indexer, I don’t care what the Index did this past week“. I buy my Index Funds, I re-balance every 6 months or so (need to get my robo-balancer up) and that is…
  • Old becomes New

    Big Cajun Man
    15 Oct 2014 | 4:12 am
    After a lovely Thanksgiving weekend, as we dropped one of my daughters off at school, my son saw one of my daughter’s university buddies playing Guitar Hero on a PS/2 (evidently at University, the kids “rough it” by using 1 generation back technology), and my son was enthralled by the site of this game. His hand eye co-ordination was such that he couldn’t get the hang of the guitar, however, he remembered that we had a PS/2 in our basement, collecting dust, and I was ordered to set it up for him (well, it sounded like an order, I think he said please). Previously…
 
  • add this feed to my.Alltop

    Early Retirement Extreme

  • Precision, accuracy and the importance of using the right model

    Jacob
    24 Oct 2014 | 6:19 am
    One of the things I think about a lot is the difference between precision and accuracy or from a modeling perspective the difference between verification and validation. The difference between precision and accuracy can be understood in terms of measuring tools such as a clock. A precise clock measures time very consistently. For instance, if the clock measures the time it takes a rock to drop a certain distance four times and it gets 1.541, 1.540, 1.541, and 1.543 it is very precise. A fifth measurement with a precise clock would most likely yield something close to 1.54. However, such a…
  • Deodorant refurbishing

    Jacob
    23 Oct 2014 | 6:15 pm
    I’ve been annoyed at having to throw out the last 5% of my (stick) deodorants that doesn’t come up no matter how much the dial on the bottom is turned. Now, I have a solution to that. Take an old stick and put it in the microwave until the deodorant melts (don’t boil it!). Then spoon it over into another not-so-old stick that has been dialed back a bit. Reheat it to make the surface smooth. 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…
  • Peach Chutney

    Jacob
    23 Oct 2014 | 6:13 am
    Upon realizing that we need to include more vegetables and fruits in our diet to keep future medical expenses down, I went onto Safeway’s website, entered our zip-code, pulled the “produce” menu and cross-referenced it with the state list of produce currently in season (see here) (*). Here I found some peaches for $0.99/lbs and wrote an email to DW to pick some up on her way home. (*) If you don’t believe that fuel costs are going to be a future problem or a current problem, these is no need to take the latter step into account. Next, I had to find a recipe. I googled…
  • Bloggers, collect your tips!

    Jacob
    22 Oct 2014 | 6:11 pm
    After having using a tip-model for a while, I find that on average I tip 7-8 articles per day on a pretty consistent basis. This comes to a total of 35-40 cents per day or $10-12 bucks per month. I think this is a fair contribution to support “quality programming”. It’s what I would be willing to pay for a print magazine that had all my favorite stuff in it. The model I use is called TipTheWeb.org. I find this the easiest to use. If you click on the link, you see a button “Tip it!” which is dragged and dropped onto your bookmarks bar in your browser. Then…
  • Do I think Asian? Do you?

    Jacob
    22 Oct 2014 | 6:07 am
    Maybe I do? During my wild youth, I spent four years trying to solve some deeply fascinating (to me, at the time) questions in field of astrophysics. I was trying to figure out exactly how a plasma of protons and alpha particles (fully ionized hydrogen and helium) ignited under the immense pressures that obtained from the gravitational field of neutron star. I ran endless numerical calculations of coupled equations that tracked how the dynamics (think Newton, or rather Einstein), the heat transport, and the nuclear reactions all responded to each other. As a result, any inkling of the typical…
  • add this feed to my.Alltop

    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - September 2014 ($1,836,880, +$21,587)

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

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

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

    webmaster@pfblog.com
    18 Aug 2014 | 3:33 pm
    We closed the month of June with a net worth increase of $16,499, or slightly below 1%. In the trailing 12 months, our net worth growth exceeded $220K, of 14.7%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - May 2014 ($1,705,013, +$15,050)

    webmaster@pfblog.com
    8 Jun 2014 | 6:34 pm
    With another five-figure increase in the month of May, our net worth breached $1.7M for the first time. In the trailing 12 months, we grew our net worth by $197K, or 13.1%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • add this feed to my.Alltop

    2million's Personal Finance Blog

  • GUL Cash Accumulation Fund

    2million
    19 Oct 2014 | 5:26 pm
    I have never spent much time studying life insurance. When prompted I've generally followed the common personal finance rule of thumb to buy term life insurance vs whole life, universal, etc. However, given my chronic health condition (diabetes), I found it convenient and cheaper to utilize a Group Universal Life Insurance benefit at work where I could purchase a limited amount of life insurance for myself without having to go through insurance health questions. With my recent employment change I found myself enrolling with the new employer's GUL benefit and assessing the insurance policy's…
  • September 2014 Net Worth Update (-$14,957)

    2million
    7 Oct 2014 | 10:44 am
    Highlights for SeptemberBetween my wife and I we have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses this year. Our credit scores are still hovering around 800, but since we have no plans to utilize our credit for other financing anytime soon, we are making a little money off our credit scores by taking advantage of these promotional opportunities.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…
  • Free Museum Day 2014

    2million
    27 Sep 2014 | 8:07 am
    The Smithsonian Magazine is holding Museum Day on 9/27/2014 (today!) which is a great opportunity to get 2 free tickets to any participating museum. You can sign up for free museum tickets here. Also, it is National Public Lands Day and the Park Service is offering Free Entrance for Select US National Parks on 9/27 (today!).
  • August 2014 Cash Flow

    2million
    5 Sep 2014 | 2:11 pm
    Well its been nearly 2 years since I sat down and did a scrub of our monthly cash flow. I use to do this regularly w/ MS Money, but now I find it painful to do. Its a lot more complicated with all the puts/takes and I'm just not that happy with Mint's ability to help me bucketize expenses. Still I need to do this periodically as its useful to see how our hard earned money is being consumed. The best way for me to use this is to compare to some of my previous monthly reports - the last one I have was from our November 2012 cash flow and August 2012 cash flow. Some things that caught my eye:…
  • August 2014 Net Worth Update (+$32,704)

    2million
    3 Sep 2014 | 5:14 pm
    Highlights for AugustBetween my wife and I we have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses this year. Our credit scores are still hovering around 800, but since we have no plans to utilize our credit for other financing anytime soon, we are making a little money off our credit scores by taking advantage of these promotional opportunities.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…
 
  • add this feed to my.Alltop

    FIRE Finance

  • Happy Columbus Day

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

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

    22 Sep 2014 | 8:48 pm
    Sep 22, 2014: We wish you a joyful Fall ahead :). According to the U.S. Naval Observatory, officially it began at 10:29 p.m. EDT during the autumnal equinox, when the sun crossed directly over the Earth's equator and both day and night were about equal. Fall will last three months and end on December 20th. Fall comes with some spectacular foliage and colors. Nature takes on another form with Click on the post title to continue reading .....
  • Happy Labor Day

    1 Sep 2014 | 11:11 am
    Sep 01, 2014: We wish you a wonderful Labor Day. Hope your long weekend went well :). Ours was spent in de-cluttering our household. This year our focus has been to reduce consumption, so we refrained from buying stuff through "Labor Day Sale" promotions. It feels great to get rid of stuff! Coming back to Labor Day and its history, here is a short quote: Traditionally, Labor Day is celebrated Click on the post title to continue reading .....
  • Top 10 Dollar Store Buys

    28 Aug 2014 | 12:12 am
    Aug 28, 2014: Shopping at a Dollar Store is really fun. Over years we have observed that certain goods are definitely cheaper at dollar stores. So we created a dollar store game plan to cash in on low prices. We often wondered how they kept their prices so low. Later we discovered that dollar stores, whether mom-and-pop shops or local franchises of a national chain, get some inventory from Click on the post title to continue reading .....
  • add this feed to my.Alltop

    Personal Finance Resources

  • The Theoretical Aspects of How Much Insurance Should One Have

    Team RupeeManager
    18 Oct 2014 | 3:43 am
    It is difficult to put a price tag/value on anyone’s life. However to buy insurance you have to first answer the question of how much insurance should one have. So to put a price to your life, it is important … Continue reading → The post The Theoretical Aspects of How Much Insurance Should One Have appeared first on Personal Finance Resources.
  • Measurement of Risks and the tradeoff with Returns

    Team RupeeManager
    17 Oct 2014 | 4:20 am
    The risk return trade-off is based on the principle that potential return rises with an increase in risk. Low levels of uncertainty (low-risk) are associated with low potential returns, whereas high levels of uncertainty (high-risk) are associated with high potential … Continue reading → The post Measurement of Risks and the tradeoff with Returns appeared first on Personal Finance Resources.
  • How to Complain against Investment Frauds

    Team RupeeManager
    16 Oct 2014 | 2:33 am
    If you have a complaint, you should first try to contact the person or company that is the cause of your complaint. You might be able to resolve your problem more quickly by speaking to them directly rather than waiting … Continue reading → The post How to Complain against Investment Frauds appeared first on Personal Finance Resources.
  • Useful Platform for Mutual Fund Investors: MFU

    Team RupeeManager
    15 Oct 2014 | 12:12 am
    Mutual Fund Utility (MFU), a shared platform being built by the mutual fund companies in India, is being launched soon. MFU offers convenience and empowers the investors of Mutual Fund schemes. As on date 25 AMCs (Asset Management Companies or Mutual … Continue reading → The post Useful Platform for Mutual Fund Investors: MFU appeared first on Personal Finance Resources.
  • Tracking Apps for Your Finance on Mobile

    Team RupeeManager
    14 Oct 2014 | 11:47 pm
    It is a great idea to use some of the productivity apps on your mobile that can help you with your personal finance. And once you start tracking your finances, you will be able to make continuous improvement in money … Continue reading → The post Tracking Apps for Your Finance on Mobile appeared first on Personal Finance Resources.
  • add this feed to my.Alltop

    How I Save Money.net

  • I Need Some New Food Ideas

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

    Lulu
    16 Oct 2014 | 7:13 am
    So I just messed up my one year rolling budget in Mint. It was an accident but it is still a little bit annoying. I got a new credit card…which I will talk about later and since I already had another card from the same provider I thought it would be easy to add it in Mint. I never thought that adding the new card  would have messed up my one year rolling budget but that is what happened. img. from rte.ie I tried to add the card in Mint but then I noticed that all my balances were way too high. Everything was red! I looked and noticed that all transactions from the first card had been…
  • Friday Finances: October 2014 Week 2

    Lulu
    9 Oct 2014 | 11:40 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: $50.47 for household items that were not food. I also made a partial payment on tuition for the semester and I have two more payments to make before the end of the semester. Luckily I can spread them out to put a portion on my credit card and pay it out of that month’s check so that I can avoid…
  • Friday Finances: October 2014 Week 1

    Lulu
    2 Oct 2014 | 9:41 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: $50.94 on gas since I was almost on empty. I filled up the tank to the top but my last trip to the gas station was one month ago so I am not worried about that large amount this month. This week my income was: $Paycheck! As I mentioned before we got a very small raise that allowed me to increase the…
  • Happy First Of The Month!

    Lulu
    1 Oct 2014 | 6:59 am
    So it is the beginning of a new month and I got a raise!!! We are paid minimally as teaching assistants but it was announced that this semester we will be getting a small increase in our salary. I know in the financial world we tell everyone that they should not practice lifestyle inflation. Lifestyle inflation occurs when you get a raise and also increase your budgets to reflect that raise. However I have been living on a very tight budget recently and this raise allows me to add $50 to my expenses for the month. img. from rte.ie So I will be increasing my budget by $50 total…spread…
 
  • add this feed to my.Alltop

    Funny About Money

  • High Inefficiency: Washers and Rx Plans!

    funny
    23 Oct 2014 | 2:23 pm
    So this morning I take it into my pretty little head to do the laundry in my fancy new(ish) Samsung high-efficiency top-loading washer with the fun clear lid that lets you watch the clothes sloshing around, just in case you’re feeling unusually bored. To do that I have to… Sort clothes (colored, white…said not to be necessary, but watch this space…) Sew up the mesh bag that split apart the last time I washed a few items Put jeans into mesh bags, one bag per pair Sneak one pair of cut-offs into a mesh bag holding a pair of jeans Put socks, panties, and camis into…
  • The Problem with Writing Reminders to Yourself…

    funny
    22 Oct 2014 | 5:00 am
    …is that you have to remember to read them! Of late I’ve missed a couple of events because I (ahem) forgot them. They were written down on the calendar, all right. I just neglected to look at the calendar that hangs on a wall in my office. I used to have Google or iCalendar send me those pesky daily reminders. Didn’t take long for me to learn to erase those things from notice. Eventually quit posting appointments & tasks, because the nagging emails were always such a low priority in the foggy universe that is my attention span. And because they annoyed. I came to hate…
  • Pays to Shop Around…

    funny
    21 Oct 2014 | 5:24 pm
    Yesterday I needed to buy some new dog food for the Ruby-Doo, she suffering from allergies and now needing foods whose contents can be verified. I’d discovered that the exceptionally fancy stuff peddled at Whole Foods and PetSmart could be had for much cheaper at the Fry’s Supermarket in Richistan, and had thought after the doctor’s appointment I’d traipse up to Paradise Valley and restock that stuff. In fact, since the next surgery takes place in a week and we’re running low on dog food in general, what I really wanted to do was buy enough to carry the dogs…
  • Another Day, Another Doctor…

    funny
    20 Oct 2014 | 5:19 pm
    So this morning came the appointment with the oncologist favored by my gynecologist. You may recall that not one but two docs — my GP and my gynecologist — so worried about my insecurities over the ongoing (painful, disruptive, miserable!!!) treatment of NOT-a-breast-cancer that they felt impelled to refer me to the medical oncologists of their choice. Young Dr. Kildare’s choice, visited last week, was perhaps not the God’s Greatest Gift to Diseased Womankind. Today I visited Sainted Gynecologist’s guy, and he proved to be a great deal better. First, he could…
  • Dog Food: Make It or Buy It?

    funny
    17 Oct 2014 | 10:12 am
    As old-timey FaM readers know, one of my strangest eccentricities is that I cook and feed real, actual FOOD to my dogs, rather than giving them the fake stuff that comes in bags and cans. This came about during the late, great melamine scare, during which we learned that virtually all dog foods, from Walmart’s cheapest to Petsmart’s fanciest, are manufactured in the same few factories in China. And, as we learned from that and a number of other flaps (remember the poison toothpaste?), quality control is not China’s strong suit. Cooking up a week’s worth of dog food for…
  • add this feed to my.Alltop

    Lending Club Blog

  • Lending Club Honored with Economist Innovation Award

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

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

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

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

    MintLife Blog | Personal Finance News & Advice

  • American Family Budget: One Year Later

    Kim Tracy Prince
    21 Oct 2014 | 2:02 am
    My husband keeps a pile of wadded-up 20-dollar bills in a drawer in our bedroom. He says he’s saving up for our son’s Christmas gift – a LEGO set with a price tag so high that I am ashamed to share it here. It’s nice that he is doing that, I told him. And in my brain, I recalculated the Christmas budget, making a note to update the spreadsheet later. This is the way our life is now. A year ago, Stewart and I embarked on a plan to wrangle our spending into a monthly budget that makes sense for us. It was a shift that had emotional and physical ramifications, and it took…
  • Wedding Gifts: What’s Proper and What’s Not?

    Mary Hiers
    20 Oct 2014 | 9:30 am
    If it’s been awhile since you’ve attended a wedding, or if you’re a young adult whose friends are just starting to tie the knot, you may feel clueless about buying wedding gifts. You’re not alone: giving gifts for big life occasions can be tricky for anyone. The traditional guideline for wedding gifts is that if you’re invited, you should send a gift whether or not you attend. There is no “correct” amount of money to spend on a wedding gift. The amount should be guided by your closeness to the couple, and your budget. Here is some guidance for…
  • Winterproof your Home on a Budget (Infographic)

    Mint.com
    16 Oct 2014 | 9:22 am
    Keeping yourself and your family warm during the winter months isn’t cheap, and we often wonder how we can keep the heat in the house and away from our bills. Here are a few simple tips that will keep you toasty, without burning through your cash.  Click on “Launch Infographic” for an expanded view.
  • 4 Important Questions to Ask Yourself Before Purchasing a Daily Deal

    Mary Hiers
    15 Oct 2014 | 9:00 am
    At this point in time, there’s a real good chance that half the e-mails you receive and that aren’t immediately filtered to your Spam folder are for Daily Deals. Sites like Groupon and Living Social bombard you with multiple intriguing offers every day, because when you signed up for their service, you apparently told them you desire to save money on everything ever created, no matter what. The numbers always look rather delicious — 50-90% off anything is hard to resist — but don’t go tapping in your credit card number just yet. Overdosing on useless deals will…
  • MintFamily with Beth Kobliner: 5 Money Lessons to Teach Our Daughters

    Beth Kobliner
    13 Oct 2014 | 1:39 am
    If you have sons, you know that they are much smarter than your daughters. And it follows logically that you’d talk to your boys about important issues of the day much more than you would your girls. If I made these statements just about anywhere today, I’d either be shouted down or completely ignored since I would be labeled a raving lunatic. And yet. When it comes to money, American parents are sadly adopting these archaic, harmful attitudes. Look no further than a recent survey from T. Rowe Price. Of the nearly 2,000 parents and kids surveyed, 58% of boys say that their parents…
 
  • add this feed to my.Alltop

    Personal Finance Buzz - Published news

  • Securing Your Currency Overseas

    modestmoney
    21 Oct 2014 | 12:52 pm
    Saving money while overseas shouldn’t always equate to scrimping (though finding great deals and discounts is always a surefire way to stay in the green). Sometimes, it also has to do with using the right currency.
  • Are You A Saver Or A Spender? (Infographic)

    frugalrules
    21 Oct 2014 | 4:31 am
    Do you know how much more likely a saver is to have a high interest savings account or what the average spender would never cut back on?
  • Carnival of MoneyPros – Home Improvement Edition

    frugalrules
    21 Oct 2014 | 4:29 am
    Welcome to this week’s edition of the Carnival of MoneyPros! This week’s edition is called the “home improvement” edition because I am on the home stretch of all the remodeling/updating of our house.
  • Does A Reverse Mortgage Fit Into Your Retirement Plans?

    frugalrules
    21 Oct 2014 | 4:28 am
    It’s no surprise that the majority of Americans aren’t good at saving for retirement. Many Baby Boomers are waking up to the realization that they are going to have to work much longer in order to afford retirement or possibly not even retire at all.
  • Truth or Dare: Should UK Investors Take A Chance On The New Improved Iraqi Dinar?

    frugalrules
    21 Oct 2014 | 4:26 am
    They say that fortune favours the brave, so given the level of political turmoil and general unease that seems to exist in various parts of the world at the moment, there are definitely trading opportunities for the daring investor.
  • add this feed to my.Alltop

    Money Crashers

  • 6 Benefits of Rowing Machine Workouts for Health & Fitness

    Laura Williams
    23 Oct 2014 | 6:10 am
    Rowing machines, like almost all fitness machines, have developed over time, taking their place in the inevitable cycle of fitness trends. As machinery improves and “new” ways to exercise are introduced, long-standing forms of fitness are brought back into (and out of) view. Rowing machines are currently on an upswing, drawing in consumers and professionals […] 6 Benefits of Rowing Machine Workouts for Health & Fitness is a post from the Money Crashers personal finance blog.
  • How to Make Beer at Home – Brewing Process, Supplies & Cost

    Brian Martucci
    22 Oct 2014 | 6:00 am
    I live in Minnesota, one of the few states that bans Sunday alcohol sales – with the exception of specially brewed “near beer” varieties that have less than 3.2% alcohol by weight, or about 4% alcohol by volume. The limitation extends to retailers including grocery stores and gas stations, and the state legislature only just passed […] How to Make Beer at Home – Brewing Process, Supplies & Cost is a post from the Money Crashers personal finance blog.
  • The Real Costs of Back Pain – Treatment & Prevention

    Laura Williams
    21 Oct 2014 | 1:15 pm
    If you’re a back pain sufferer, you know exactly how costly your pain can be. Beyond the missed work days, doctors visits, and the expense of ongoing care and treatment, back pain can stop your life in its tracks. Try taking a walk, sitting at a desk, laughing, or even carrying on a conversation during […] The Real Costs of Back Pain – Treatment & Prevention is a post from the Money Crashers personal finance blog.
  • 7 Ways to Get Discount Designer Clothes for Less

    Jacqueline Curtis
    20 Oct 2014 | 9:00 am
    When it comes to fashion, having Prada tastes on a Gap budget can leave you wistfully flipping through the pages of “Vogue” feeling green with envy. Designer fashion definitely doesn’t come cheap, especially when looking at big-ticket items such as coats, shoes, and handbags. But just because your budget doesn’t allow for Gucci doesn’t mean […] 7 Ways to Get Discount Designer Clothes for Less is a post from the Money Crashers personal finance blog.
  • Simple Tips to Save Money at Halloween – Decorations, Food, Costumes & Trick-or-Treating

    Jacqueline Curtis
    17 Oct 2014 | 1:15 pm
    Though the holiday season in December is generally the costliest time of the year for many families, the expenses of Halloween can be surprisingly immense. Buying Halloween costumes, candy, special accessories, decorations, and treats for school events can seriously bust your bank account. The biggest problem is that many people don’t budget for Halloween as […] Simple Tips to Save Money at Halloween – Decorations, Food, Costumes & Trick-or-Treating is a post from the Money Crashers personal finance blog.
  • add this feed to my.Alltop

    Mighty Bargain Hunter

  • Fourteen travel tips for infrequent fliers

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

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

    John Wedding
    10 Oct 2014 | 8:47 pm
    Clothes can say many different things. Such as: “I’m quietly confident.” Or: “I’m hip and stylish.” Or even: “I’m utterly tacky.” Regardless of the specifics, all clothes say: “I’m not naked.”  This is largely what I demand of my clothing, and it’s largely what everyone else demands of my clothing as well. My wife has a few more criteria than I do about my clothing, one of which is that the color of said clothing shouldn’t make me look naked. Because that’s nearly as bad as actually being naked.  (If…
  • Pay up front, or in installments?

    John Wedding
    8 Oct 2014 | 12:07 am
    “Pay on the installment plan.  Don’t pay now; pay later.  Five easy payments of $39.95.” When businesses offer to split up the payments in a large purchase, it usually brings them more business.  If the pain of buying (the cost) is lower, or appears to be lower, more people will buy. Businesses, of course, don’t offer this out of the kindness of their hearts.  They want extra money.  Paying through installments almost always costs more — either through payment fees, or through interest. Most installment loans are expensive My wife and I haven’t gone…
  • Stay-at-home spouse: Good bargain for whom?

    John Wedding
    3 Oct 2014 | 8:07 am
    In lots of cases, especially in high-cost-of-living areas, having a family with both parents working is a necessity. But along with the extra income come extra stress, financial and otherwise.  On the financial side, there is child care, and a host of other services that get done what needs getting done.  On the non-financial side, it’s just more hectic: more fitting in errands, more eating out or fast food, more running around. My wife of twelve years has been stay-at-home for the entire time we’ve been married.  A couple of nights ago she forwarded this article and asked me…
 
  • add this feed to my.Alltop

    Spilling Buckets

  • What items can you cover with a Funeral Insurance Plan?

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

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

    Ryan
    28 Jul 2014 | 8:28 am
    Lets get one thing straight. When it comes to investing, personal finance, or the economy, there’s one man the world turns to for insight and advice. Simply put, when he speaks the world listens. Warren Buffett is one of the richest men on earth, and one of the most successful investors and businessmen of all time. He started selling individual bottles of Coca Cola to family members for profit when most kids are still learning their ABC’s. Over the past 60+ years he’s compounded his investing and financial success to become one of the world’s first self-made…
  • Comparing Personal Loans – Kiva, Prosper and Others.

    Ryan
    30 Jan 2014 | 3:37 pm
    We have always found Kiva.org to be a valuable charity since it allows entrepreneurs around the world to realize their dreams and fund their small businesses. In the past they have only lent to poorer countries, but that has just changed: Kiva now lends to US entrepreneurs as well which is big news in the lending world! If you remember back, we originally tried lending to Americans using a different site, another micro-lending site, but found that the process just wasn’t right for us. After a lot of debate on wether someone would want to seek a loan from which competing sites we…
  • How to Choose an On-line Broker?

    Ryan
    30 Jan 2014 | 3:25 pm
    There’s an investing legend about a rich man selling all his stock the day before “Black Thursday” or the start of the catastrophic 1929 stock market crash. He sold everything allegedly based on the tip from his shoeshine boy. The Investor thought that if a shoeshine boy could own stock, something must be going very wrong. Today just about anyone who wants to can trade shares of stock, regardless of the size of their fortune or which connections they have. There are literally tons of choices when it comes to investing on-line and we’ll sort through a few thoughts, tips…
  • add this feed to my.Alltop

    Girls Just Wanna Have Funds

  • She Who Manages the ‘Gold’, Makes the Rules – Join Us For The Smart Women Finish Rich Seminars

    Ginger
    21 Oct 2014 | 10:03 am
    Women live longer than men.  This is fact.  So it makes sense that we need a few more coins in the bank to make it through our golden years without going broke. We face many more challenges which prevent us from saving enough for retirement.  Our careers are often interrupted to care for the little ones and/or elderly parents resulting in earning less money during our prime years, lower retirement balances, social security benefits and pension benefits than men in the same age group. The average amount of social security benefits is a little over $17,000 per year for men and a little over…
  • Women’s Pay Gap: Playing Devil’s Advocate With The Income Disparity

    Ginger
    16 Oct 2014 | 7:00 am
    Though work is usually the cause of greatest stress, not many women would go back to being housewives, as in earlier times. Regardless of the negative aspects of working outside of the home and spending long hours away from family, women feel more empowered and liberated knowing they don’t have to depend on anyone. It’s been a very long struggle for women to earn the same rights as men in many different departments: work, education, right to vote, etc. Though human rights movements have considerably improved the general situation concerning women’s rights at work, there’s still a…
  • The Only Five Reasons You Should Ever Work For Free (and One Big Reason Why You Shouldn’t)

    Ginger
    13 Oct 2014 | 6:25 am
    Have you ever outworked a male colleague and wondered bitterly why their compensation was so much higher than yours? I’ve been there myself and it’s not a great feeling. Women still make 77 cents for every male dollar and studies increasingly show that we’re working harder for our pay. Earlier in my career, for example, I was given the opportunity to run seminars and coach new employees within my financial planning practice. I considered it a learning opportunity and didn’t negotiate for compensation for the work. Only later did I realize that a male colleague was being paid…
  • Saving a Troubled Business

    Ginger
    10 Oct 2014 | 12:08 am
    Acknowledging that your business is suffering is one of the hardest things to do, especially after the time and monetary investments involved in startup. The failure of new businesses – and even seasoned ones in this economy – is not always the fault of poor management. A range of factors can determine your business’s potential for success and expansion – including placement, presence, and the efficiency of your systems. Sometimes, the errors can even be embedded within the finances themselves, so deeply buried that you glance over them without realizing it. Fortunately, there are…
  • 4 Tax Tips To Help Homeowners Track Deductions Throughout The Year

    Ginger
    8 Oct 2014 | 4:50 am
    Being a landlord can be costly. Whether you’re spending money on the home for renovations and upgrades or paying for emergency repairs, those dollar signs can really add up. Wouldn’t it be great if you could get some of that money back on your taxes? Good news: you just might be able to. Landlords must distinguish repairs from renovations One of the major factors that determines if a landlord can deduct certain expenses is to clarify if the cost is for repairs or for renovations. Repairs to investment properties make the property livable, whereas renovations improve the…
  • add this feed to my.Alltop

    The Finance Buff

  • 2015 Social Security Wage Base

    Harry Sit
    22 Oct 2014 | 8:05 am
    The government released inflation numbers for September 2014. The numbers confirmed my calculation for 2015 Social Security COLA (1.7%) and 2015 401k/403b/457 plan and IRA contribution limits ($18,000, $5,500). Of course you didn’t have to wait if are a regular reader of this blog. You knew them as far back as two months ago. The Social Security wage base, which is the maximum amount subject to Social Security tax, will increase by $1,500 to $118,500 in 2015. If you earn at least that much, that means an extra $93 in Social Security tax. Double that if you are self-employed. See All…
  • Change Your Cost Basis Method From Average Cost To Specific Identification

    Harry Sit
    13 Oct 2014 | 4:50 am
    If you have a “regular” taxable investment account (anything other than your tax advantaged accounts such as your 401k, 403b, IRA, Roth etc.), you should understand the different cost basis tracking methods and how they affect your taxes when you sell. Fidelity has a good article describing the background. If you only have tax advantaged accounts at this time, this doesn’t apply to you yet. It’s still good to know for the future. When I looked at my taxable account at Fidelity to see whether any shares I bought this year can be sold for a tax loss, I noticed that my…
  • Rebalancing: Sell High, Buy Higher

    Harry Sit
    29 Sep 2014 | 4:52 am
    Rebalancing is considered a key element of buy-and-hold, to the point that buy-and-hold has become a shorthand for buy, hold, and rebalance. Investment advisor Rick Ferri made this clear in his interview with Morningstar: Buy, Hold, and Rebalance Works. Rebalancing is also said to lead to “buy low, sell high.” The Bogleheads Wiki says: [Rebalancing] is accomplished by transferring funds from higher-performing classes to lower-performing classes. While potentially counterintuitive, rebalancing ensures that investors “Buy Low” and “Sell High”. Journalist…
  • 2015 Social Security COLA

    Harry Sit
    17 Sep 2014 | 7:54 am
    [Updated on October 22, 2014. New CPI number confirmed the 1.7% COLA projected here a month ago.] The official announcement for September 2014 CPI came in. This made is possible to calculate Social Security COLA for 2015. Inflation was still low so far this year, but it was higher than the previous year. According to the government, the Consumer Price Index for Urban Consumers (CPI-U) in September 2014 was 1.7% higher than the same measure a year ago in September 2013. The annual Social Security cost of living adjustments (COLA) uses a different CPI series, the CPI-W. It’s a similar…
  • Retiring Early: Effect On Social Security Benefits

    Harry Sit
    2 Sep 2014 | 4:49 am
    Social Security has a flat 6.2% tax rate, up to the maximum wages covered by Social Security ($117k in 2014). Social Security benefits bear some positive relationship with your covered wages and the amount of taxes you paid on those wages. The higher your covered wages, and the higher the 6.2% Social Security taxes you paid, the higher your benefits. Social Security calculates benefits using your average earnings over 35 years. If you work less than 35 years, the rest of the years will be filled with zero. Therefore, up to 35 years, the more years you work, the higher your average earnings.
 
  • add this feed to my.Alltop

    DollarVersity

  • Tracking The Progress Of My Hardest Hit Fund Program Application

    Eric J. Nisall
    22 Oct 2014 | 2:21 pm
    (Almost) Everyone knows about the housing crash that ruined many peoples’ lives and help throw the country into an economic tailspin. Lots of people are aware of the government’s Home Affordable Refinance Program (HARP) and Home Affordable Modification Program (HAMP) that came from that financial ruin. Few people have heard of the Hardest Hit Fund, which was for all intents and purposes a “bail-out” for the states that were…you guessed it!…the hardest hit by the housing crash. I happened to stumble upon the site and said “what the fuck, I qualify so…
  • Shop Local: The Stores You Oppose Started Small And Local

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

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

    Maximizing Money

  • LoopPay Mobile Payment Solution and $5 Amazon Gift Card Referrals

    Max Messner
    23 Oct 2014 | 3:52 pm
    LoopPay is a pay by phone solution that works on any phone, in any store, and with any credit or debit card, plus you can earn a $5 Amazon credit for each friend that you refer who purchases a LoopPay device. The post LoopPay Mobile Payment Solution and $5 Amazon Gift Card Referrals appeared first on Maximizing Money.
  • Chase Sapphire Preferred Card Annual Fee Increases to $150

    Max Messner
    23 Oct 2014 | 2:05 pm
    It looks like the annual fee for the Chase Sapphire Preferred Card may be increasing to $150 per year after being waived for the first year. The post Chase Sapphire Preferred Card Annual Fee Increases to $150 appeared first on Maximizing Money.
  • U.S. Bank $200 FlexPerks Travel Rewards Visa Signature Card Bonus

    Max Messner
    22 Oct 2014 | 10:55 am
    The FlexPerks Travel Rewards Visa Signature Card is offering a $200 bonus when you make qualifying purchases, plus there is no annual fee for the first year. Learn more about this FlexPerks Signature Card Bonus Offer to earn a $200 bonus statement credit and get access to a variety of other promotions and benefits. The post U.S. Bank $200 FlexPerks Travel Rewards Visa Signature Card Bonus appeared first on Maximizing Money.
  • SunTrust Bank up to $200 Checking Account Bonus Available Nationwide

    Max Messner
    22 Oct 2014 | 10:50 am
    SunTrust Bank will give you up to a $200 bonus when you open an Everyday Checking account, set up a direct deposit, and use their Online Bill Payment feature, available nationwide across the U.S. for accounts opened online. Check out these SunTrust Checking Account Bonuses for more details. The post SunTrust Bank up to $200 Checking Account Bonus Available Nationwide appeared first on Maximizing Money.
  • Huntington Bank $150 Asterisk-Free Checking Account Bonus Offer

    Max Messner
    22 Oct 2014 | 10:24 am
    Huntington Bank is offering a $150 cash bonus when you open an Asterisk-Free Checking account with a direct deposit, valid for accounts opened through October 26, 2014. This personal checking bonus offer is available for new Huntington checking accounts in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, and West Virginia. Take advantage of this Huntington $150 Personal Checking Promotion that DOES NOT require a coupon code to qualify. The post Huntington Bank $150 Asterisk-Free Checking Account Bonus Offer appeared first on Maximizing Money.
  • add this feed to my.Alltop

    Abacus Wealth Partners

  • When to Start Receiving Social Security Benefits

    Alan Ungar
    23 Oct 2014 | 12:45 pm
    Thirteen years ago, I blew it. I took my Social Security at full retirement age, and by doing so my wife and I lost $250,000 of lifetime Social Security benefits. Not only that, but instead of getting $3,400 a month when I die, she will get only $2,600. The good news is that she has forgiven me and next year we will celebrate our 57th anniversary. Deciding when to take your Social Security benefits is more complex than ever.Click To Tweet - New Ways to Optimize Benefits Recent advances in technology have allowed us to optimize Social Security benefits, and we no longer have to depend on the…
  • Investment Committee Commentary Q4 2014

    The 2014 Abacus Investment Committee
    21 Oct 2014 | 6:05 pm
    Market Snapshot Note from Our CIO: The Bond King and the Stock Mantra September was one of the more dramatic months in the bond market that I can remember. The legendary "Bond King" Bill Gross unexpectedly departed Pimco, which he co-founded 43 years ago and grew into the world's largest mutual fund company. Read more »3rd Quarter Market Review: Valuation Ratios and Market Timing As broad market indices such as the S&P 500 have set new record highs in recent weeks, many investors have become apprehensive. Read more »Sustainability Profile: Sustainability Scoring—GICS 10102010—Integrated…
  • Closing the Philanthropic Divide: What Individuals and Families Want from Their Advisors

    Brent Kessel
    21 Oct 2014 | 11:28 am
    Date and Time Tuesday, October 28, 2014 11:30 a.m. to 2 p.m. Location Luxe Sunset Hotel 11461 Sunset Blvd. Los Angeles, CA 90049 Research indicates that philanthropically inclined families are dissatisfied with the advice given by their financial and legal advisors, who fail to understand the role of philanthropy in their clients’ lives. Brent Kessel, founder and co-CEO of Abacus Wealth Partners, will be a roundtable leader in “Closing the Philanthropic Divide” on October 28 in Los Angeles. The event, hosted by the International Association of Advisors in Philanthropy, will…
  • Sustainatopia

    Brent Kessel
    21 Oct 2014 | 11:17 am
    Dates Wednesday, October 29, to Sunday, November 2, 2014 Location Hyatt Regency Century Plaza 2025 Avenue of the Stars Los Angeles, CA 90067 Brent Kessel, founder and co-CEO of Abacus Wealth Partners, will be a speaker at Sustainatopia, one of the leading events for social, financial and environmental sustainability. Scheduled from October 29 to November 2, Sustainatopia includes four business-to-business conferences and a weekend program dedicated to social action in Los Angeles. The forum unites participants in the new good economy, including investors, business owners, social…
  • Impact Investment Profile: HYLA Mobile

    The 2014 Abacus Investment Committee
    21 Oct 2014 | 3:50 am
    SJF portfolio company HYLA Mobile is pioneering a sustainable business model to help global wireless operators to profitably manage e-waste while accelerating access to affordable wireless devices in both the U.S. and emerging markets. HYLA empowers global operators and retailers to reward consumers with instant, in-store credit for used mobile devices, which are then repaired to “like new” quality and resold in both the United States and emerging markets. HYLA has completed 25 million wireless device trade-ins since its 2009 inception. Today’s smartphones retain much of…
 
  • add this feed to my.Alltop

    theBKBlog

  • Free Budgeting Resources to Help You Recover from Bankruptcy

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

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

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

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

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
 
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
 
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
 
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
  • add this feed to my.Alltop

  • Priest duo's epic dance battle explodes online

    24 Oct 2014 | 3:34 am
    Priest duo's epic dance battle explodes onlineAPVideo of a pair of dueling, dancing American priests has taken the Internet by storm, but not everyone is thrilled with their fancy footwork.Why their moves have upset criticsMore newsWoman arrested for 'secular' picGetting drunk saves cat's life
  • Heartbreaking sight at home of slain soldier

    24 Oct 2014 | 3:34 am
    Heartbreaking sight at home of slain soldierFacebookA moving scene emerged at a makeshift vigil for Cpl. Nathan Cirillo, the reservist killed in a terrorist attack in Ottawa. Warning: Pics may make you cryRelated coverageCanada signals shift in terror fightDetails emerge about shooter
  • Randy Jackson on taking control of his disease

    24 Oct 2014 | 3:34 am
    Randy Jackson on taking control of his diseaseGettyThe former 'American Idol' judge revealed the routine he follows to stay healthy.Secrets to his successMore from Everyday Health9 facts about your liverTraveling with ADHD kids
  • RFK aide, Frank Mankiewicz, has died at age 90

    24 Oct 2014 | 3:34 am
    RFK aide, Frank Mankiewicz, has died at age 90GettyThe press secretary who went before TV cameras to announce the death of Sen. Robert F. Kennedy passed Thursday of a heart attack.Watch moment he faced worldMore headlinesGuide to Ferguson developmentsEbola cases could spur lawsuits
  • NYC has been struck by first case of Ebola

    24 Oct 2014 | 3:34 am
    NYC has been struck by first case of EbolaAPOfficials confirmed Dr. Craig Spencer, 33, tested positive for the virus Thursday, but attempted to ease concerns about spreading.Three others quarantined Related coverageWho is Dr. Craig Spencer?CDC details new response teams
 
  • add this feed to my.Alltop

    Bible Money Matters

  • Unboxing Of The Republic Wireless Motorola Moto X Smartphone

    Peter Anderson
    20 Oct 2014 | 9:43 am
    If you're looking for an amazing phone, with a great service, I'd highly recommend checking out the Moto X from Republic Wireless. Here's a full unboxing and review! The post Unboxing Of The Republic Wireless Motorola Moto X Smartphone appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How Much Do You Trust Your Real Estate Agent?

    Miranda Marquit
    15 Oct 2014 | 9:39 am
    How can you find a real estate agent you can trust if you don't have access to someone you already know and trust? Here are some tips. The post How Much Do You Trust Your Real Estate Agent? appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Write A Life Plan, The GPS To Your Envisioned Future

    Peter Anderson
    10 Oct 2014 | 12:16 pm
    A life plan will allow you to live life with more clarity, balance and peace of mind. So how do you write a life plan, and what questions should you answer? The post How To Write A Life Plan, The GPS To Your Envisioned Future appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Be Your Own CFO By J.D. Roth: A Way To Revolutionize Your Financial Approach

    Melissa
    6 Oct 2014 | 10:48 am
    In his new guide J.D. Roth explains why you need to make carefully calculated decisions about your finances, just as if you were your own CFO. The post Be Your Own CFO By J.D. Roth: A Way To Revolutionize Your Financial Approach appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Cut Those Scary Halloween Costs

    Contributing Author
    3 Oct 2014 | 5:05 am
    While Halloween is nowhere near as expensive as Christmas it can still be an expensive holiday. Here's how to cut those scary Halloween costs. The post How To Cut Those Scary Halloween Costs appeared first on Bible Money Matters and was written by Contributing Author. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • add this feed to my.Alltop

    Christian Personal Finance

  • 7 Thoughtful Ways To Raise Non-Materialistic Children

    Joe
    20 Oct 2014 | 9:00 am
    Ironically, many children raised in wealth demonstrate the same tendencies as those who are raised in extreme poverty: depression, despair, attempted suicide, drug and alcohol use, and shoplifting. Why this behavior? The parents, who are often too busy making money, sacrifice meaningful time with their children. Admittedly, raising children in a world obsessed with stuff is a tough, tough job. As savvy advertisers target these kids from early youth, and as their peers are quick to sport whatever the latest and greatest may be, the parents must be vigilant in teaching their children that such…
  • 5 Things To Do When You’re Discouraged Beyond Measure

    Adam Faughn
    17 Oct 2014 | 9:00 am
    As you look back on what you’ve accomplished so far this year, do you cringe? I have some encouragement for you. I want you to keep going! I want to encourage you to be the tortoise in a society filled with hares. But, how? Financially, when things are not going the way you might like, and you feel like you aren’t making the kind of progress you desire, how do you keep moving forward? Let me offer some very simple, but very important things in which you need to keep doing. 1. Keep Looking at the Big Picture This is the overriding principle of this article of encouragement.
  • 20 Fun Alternative Ideas for Halloween

    Dawn
    16 Oct 2014 | 9:06 am
    Fall is one of my favorite seasons! I’m always looking forward to the leaves changing colors, the crispness in the air and everything pumpkin. With the arrival of Autumn… it seems as though many look forward to Halloween and focus on Halloween only. But, on the other hand there are many ways to avoid everything Halloween. No matter your preference, I hope that you enjoy family traditions this time of year and make lasting memories. This is where my focus lies. I, myself, like to make family traditions by focusing on Non-Halloween activities. You may think there may not be too many…
  • 7 Ways to Go to College for Free

    Guest
    14 Oct 2014 | 9:12 am
    Tuition. Fees. Books. It all adds up! College can be ridiculously expensive, but it doesn’t have to be. Don’t accept the idea that you’re going to pay an arm and a leg for college. You can go to college for free. How to Go to College for Free Take a look at some of these methods that have the potential to put you through college for free. Some will work well with your circumstances, others won’t – think through them to decide what’s best for you! 1. Serve Your Country The Air Force, U.S. Cost Guard, Air Force, Merchant Marine, Military, and Naval Academies…
  • 5 Ways that Men and Women Spend Their Money Differently

    Bob
    8 Oct 2014 | 11:20 am
    Men and women, generally speaking, spend their money differently. Perhaps you’re already thinking of a few ways. Whether you’re a man or a woman, some of the ways mentioned here might surprise you – or come as no shock at all. 1. Women Give More to Charities Ladies win this one. In a 2010 Center on Philanthropy report, in every income group except for one, women give more than men. The report reads: Comparison of all male-headed households to all female-headed households by income group shows that it is not just the wealthy women who are giving. Our research shows that women…
  • add this feed to my.Alltop

    PT Money

  • Searching for More Ways to Give? Check Out These 6 New Charitable Platforms

    Philip Taylor
    21 Oct 2014 | 12:30 pm
    More and more people are turning online and to their cell phones to give. I think this is great! It’s fast, direct, and safer than ever. Online giving continues to be on the rise. Nonprofit software services provider Blackbaud stated in their 2013 charitable giving report that overall charitable giving grew 4.9% in 2013, while online giving grew 13.5%. Online giving alone accounted for 6.4% of all charitable giving in 2013! The growth likely comes from the increase in awareness and number of methods to give. If you’re looking for more ways to give (both your time and your extra…
  • How to Balance Your Freelance Career With a Full-Time Job

    Contributor
    16 Oct 2014 | 1:17 pm
    Editor’s Note: Here’s an excellent contribution from Ben Luthi, freelance writer and blogger who writes regularly at The Wealth Gospel. Let’s face it. Living the life of a corporate cog isn’t everyone’s cup of tea. But the thought of trying to escape into the world of freelancing can be daunting. Building a successful freelance career is time-consuming and requires a lot of work and organization. I’ve been able to earn some considerable income in my first year since I began freelancing, but there’s still a long way to go. But, fortunately for you and…
  • These Smart Home Improvements Will Help You Yield the Best Returns at Resale

    Philip Taylor
    14 Oct 2014 | 6:30 am
    Have you ever considered a home improvement project? Perhaps you received a sizable tax return or company bonus and are looking to invest in your home. A home improvement project can be a great investment or it can actually be a waste of money in terms of recouping the costs when you sell. Certainly, smart home improvements can have a comfort value and this may be fine if you plan to live in the house for a long period of time. Regardless, you’ll definitely want to make a good decision about home improvement project before embarking on it and that means doing a little bit of research before…
  • 15 Tips for Saving Money on Your Business Expenses Without Working Harder

    Contributor
    9 Oct 2014 | 6:30 am
    Editor’s note: Enjoy this article from Mary Baker, from Get Your Biz in Order. She’s got some rich tips for small business owners who want to spend wisely. As entrepreneurs, we all like to see our revenue grow, right?  If you’ve ever started your own business you know that increasing revenue doesn’t come without an investment of hard work; and burning the candle at both ends of the stick from time-to-time!  Every business requires working hard to get it up and running, even if the objective is to eventually produce passive income. You can find many articles, books, and…
  • 2 Money Leaks You Need to Stop Now

    Philip Taylor
    7 Oct 2014 | 5:30 am
    As stated on Wikipedia, the Gulf oil leak started on April 20, 2010 and was considered the largest in the history of the petroleum industry. Oil gushed for 87 days until it was sealed September 19, 2010. The government estimated that 4.9 million barrels gushed into the Gulf of Mexico because of this disaster. I found it frustrating to watch the news on the Gulf oil leak. It seemed that no matter what they did, they just couldn’t seem to get the leak stopped. It’s not like we could have gone out there and help them. It just seemed like a hopeless and helpless situation that carried on…
 
  • add this feed to my.Alltop

    RetirementRevised

  • Why Social Security COLAs aren’t keeping up with seniors’ costs

    Mark Miller
    23 Oct 2014 | 6:01 pm
    Social Security’s annual inflation adjustment is one of the program’s most valuable features. But it’s time to adjust the adjustment. Retirees will get a 1.7 percent bump in their Social Security benefit next year, according to the Social Security Administration, which announced the annual cost-of-living adjustment (COLA) on Wednesday. Recipients of disability benefits and Supplemental Security Income also will receive the COLA. That reflects continuing slow inflation in the economy – the COLA has averaged 1.6 percent over the past four years – but it’s not…
  • Quality issues keep dogging Medicare Advantage plans

    Mark Miller
    16 Oct 2014 | 6:12 am
    Seniors have flocked to Medicare Advantage in recent years, attracted by savings on premiums and the convenience of one-stop shopping. But as the annual Medicare enrollment season began this week, a memorandum from federal officials to plan providers surfaced that serves as a big red warning flag. The upshot: Assess the quality of any Advantage plan before you sign up. The memorandum, first reported by the New York Times, described ongoing compliance problems uncovered in federal audits of Advantage and prescription drug plans. These include inadequate rationales for denial of coverage,…
  • Shining a light on a murky election-year Social Security debate

    Mark Miller
    9 Oct 2014 | 8:33 am
    In North Carolina, a television ad attacks incumbent Democratic Senator Kay Hagan for supporting a “controversial plan” that “raises the retirement age” for Social Security. The ad comes from Crossroads GPS, the super PAC run by Republican Karl Rove. A Republican attack on a Democrat for cutting Social Security benefits? It’s just one instance where voters are hearing confusing claims about Social Security reform. Social Security has surfaced as a major issue in Senate rates in Alaska, Colorado, Iowa and Arkansas. Seeing through the fog can be difficult. Hagan, for example, left…
  • Timing your Social Security filing: Where to get assistance with the big decision

    Mark Miller
    8 Oct 2014 | 6:00 am
    Deciding when to file for Social Security is one of the most consequential financial decisions most Americans will make about their retirement. Opting to claim benefits early, at the Full Retirement Age (FRA), or later can mean hundreds of thousands of dollars in higher–or lower–lifetime benefits for a married couple. But Social Security’s rules are complex, so most of us could use some guidance. Yet, help can be difficult to find. Social Security Administration (SSA) staffers can only give you general information about benefit options–they are prohibited as a matter…
  • Why it pays to shop your Medicare coverage this fall

    Mark Miller
    2 Oct 2014 | 6:02 am
    Your Medicare prescription drug plan sent you a letter recently. Chances are, you didn’t read it – and that could be costing you money. Health insurance companies must send an annual notice of changes for the coming year to Part D prescription drug and Part C Medicare Advantage plans. The notice, which must be delivered to you by Sept. 30 each year, details changes in premiums and co-pays, and lets you know whether your medication will be covered in the year ahead. The notice comes just before the annual plan enrollment period, which kicks off on Oct. 15 and runs until Dec. 7.
  • add this feed to my.Alltop

    Intelligent Speculator

  • Closing 3 Trades

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

    IS
    17 Oct 2014 | 2:00 am
    As many of you know the Ultimate Sustainable dividend portfolio was built over a year ago as an attempt to slowly become financially free. It is the most important part of my passive income plan and in weeks like the past 2 ones where we start to see panic in the financial markets, it’s a good process for me to go back and see how the portfolio is doing. As is always the case, you can get extra information in my newsletter, it’s free to sign up for here: Without further wait, let’s get started. Here are the portfolio holdings as of last night: TickerNameSharesOct 16 2014…
  • Top 100 Dividend Stocks – October 2014 Edition – A New Leader Takes Charge

    IS
    8 Oct 2014 | 2:00 am
    A few days late, but it’s that time of the month again. We’re starting to see a bit more volatility which always provides a few more investing and trading options. There are still some great opportunities out there and I’m always on the lookout for ways to improve my Ultimate Sustainable Dividend portfolio. Why? Because it’s a key part of increasing my monthly passive income (see last update here). There is no “perfect” stock of course. The market is fairly efficient so it’s all about finding high quality stocks that are a good match for my…
  • Increasingly Confused by Amazon ($AMZN)…the Good, The Bad And The Great

    IS
    30 Sep 2014 | 2:00 am
    Many of you know how much I believe in my “web ecosystem theory”. I have started working on a new article about it and the impact that mobile has had on that theory but as you can guess, I’m still a big believer in placing chips on the 5 major ecosystem players ($GOOG, $AAPL, $FB, $MSFT, $AMZN). I have already taken significant longer term stakes in Apple and Facebook which have worked out well so far. I’m certainly not saying that other tech players can’t have success but it’s important to keep in mind that they will need to co-exist with these established…
  • Adding Alibaba ($BABA) To The Stocks That I Follow

    IS
    24 Sep 2014 | 3:18 am
    Unless you’ve been living on some other planet, you’ve heard about the very recent Alibaba ($BABA) IPO. I often discuss the ecosystem play where I think owning the US Players ($GOOG, $AAPL, $FB, $AMZN, $MSFT) that dominate the web ecosystem is a great way to play it. Those players dominate to some extent everywhere around the world…almost. There is one major country where they are all but shut out: China. Some of it is caused by their refusal to abide by the rules over there that would be necessary to do business but perhaps more importantly is how different of a market it…
 
  • add this feed to my.Alltop

    Don't Quit Your Day Job...

  • Wage Income: A Key Middle Class Marker

    PK
    22 Oct 2014 | 4:00 am
    Excuse us while we channel Thomas Piketty for a second: the truly affluent, the highest earners… they receive the highest proportion of total income outside their wages: generally from business and investment income. And, turning off the Piketty channel: at the lower ends of the total income spectrum, there is also an increase in non-wage income: this time more due to transfer payments and contract work, which (see our previous article on income and hours worked) also relates to less hours worked. A Brief Apology Unfortunately, we just didn’t have enough 2013 data to follow this…
  • S&P 500 2014 Performance: Inflation Adjusted and Dividend Reinvested

    PK
    20 Oct 2014 | 4:30 am
    We’ve mentioned it before, one or two (hundred) times… the best way to evaluate investment performance in a vacuum isn’t by using the ‘price level’ of an index.  Instead, it is best to check the relative purchasing power increase an investment has brought to the table – and you can only do that by adjusting for inflation and finding a way to include the influence of dividends. So, here’s that effort for the S&P 500’s performance through October 17, including the recent shakiness in the market. S&P 500 Inflation and Dividend Adjusted…
  • The DQYDJ Weekender 10/18/2014

    PK
    18 Oct 2014 | 1:13 pm
    I’m Strangely Proud of This Galvanized Pinhole Leak Fix… So, my promising Saturday was rudely interrupted by the galvanized downpipe to my sprinkler system springing a leak last Sunday.  I’ve had this amazing piece of engineering you can see above (read: hack) A ballerina I am not… stopping the flow brilliantly for a week, but I’ll be replacing it with PVC today. And, yes, while gracefully navigating the attic to pull down Halloween decorations, I stepped with ~half my weight on exposed drywall.  I’ll be fixing this mess too ->   Isn’t…
  • 5.9% Unemployment – But Where’s Your Raise?

    PK
    16 Oct 2014 | 3:30 pm
    After taking a couple months off in the ‘promising figures’ category, the unemployment rate seems to have broken back in the direction we all want to see it going: down.  5.9% is the headline figure, and that 5.9% number came with a very promising increase in the nonfarm payroll employment number… 248,000. But… What About the Raises? That’s great; those are some solid numbers – and, arguably, anything over 150,000 new jobs is a win (that’s the estimated breakeven employment number to incorporate new workers – but that’ll change as the…
  • The Sudden Collapse of Inflation Expectations

    PK
    15 Oct 2014 | 7:02 pm
    One situation we’ve been monitoring closely (even before the recent market activity) and has only just started to become a bit dramatic: the rapidly declining inflation expectations among market participants.  One way to follow this measure is to follow the ‘breakevens'; by subtracting real yields on inflation protected securities from treasuries, you can graph the point where the market has converged on inflation expectations. Since June 24th, those expectations have dropped precipitously: The 5-year has dropped .68 percentage points, or ~33% in 3.5 months. We have, of course,…
  • add this feed to my.Alltop

    Quizzle Wire

  • Avoid the pitfalls of rewards credit cards

    David Quilty
    23 Oct 2014 | 6:00 am
    Rewards credit cards are so popular because they offer you the chance to receive benefits from spending money. Your spending could mean cash back, free airfare, or any number of other rewards. While the savvy shopper can gain a lot from the right credit card rewards program, it’s also important to remember that there are pitfalls involved with rewards credit cards. If you don’t avoid the pitfalls, you could end up in debt, and paying a high rate of interest that offsets any reward you might earn. Spending without a plan It’s easy to spend money without a plan when you use a credit card.
  • Are there benefits to a falling market?

    Miranda Marquit
    22 Oct 2014 | 2:00 pm
    Recently, we saw a bit of volatility in the stock market. There were multiple days of three-digit drops (and even some days that included three-digit gains) for the Dow Jones Industrial Average. When stocks fall, it’s easy to panic and get bent out of shape. However, that’s rarely the best way to maintain sanity, or your finances. Rob Berger, writing for Forbes, offers a few benefits of falling markets: Get more shares with monthly contributions: When you have an automatic investment plan, whether it’s for your IRA or with your employer’s 401(k), your monthly contribution goes further…
  • 5 Things Not to Do Before You Close on Your Mortgage

    Melissa Batai
    22 Oct 2014 | 6:00 am
    You’ll often face a window of 60 to 90 days from the time you’re prequalified for your mortgage to the time you actually close on your new house.  Most people wait patiently, eager to get into their new home. However, some have learned the hard way that there are things you should NOT do while waiting to close on your new home.  Do these things, and you could jeopardize qualifying for your mortgage and losing out on the house you so carefully chose. If you’ve been qualified for a home loan and are waiting to close, avoid doing these things:  Quitting your job.  If you…
  • How to open a custodial investment account for your child

    Miranda Marquit
    21 Oct 2014 | 6:00 am
    Earlier this year, when I sat with my accountant to talk taxes, the subject turned to my son. He will be 12 soon, and I wondered about hiring him to do work for my home business. I wanted to pay him, and then have him put some of his earnings in an investment account to grow over time. My accountant said that it was a good idea. But, of course, my son is a minor. He can’t just open an investment account. I need to open it for him. So that’s what I did. I opened a custodial Roth IRA for my son so that he can invest half of his earnings from doing administration-type tasks for my home…
  • Even President Obama has his credit card declined

    Miranda Marquit
    20 Oct 2014 | 9:58 am
    There are few things as embarrassing as having your credit card declined. Even though you might be paying your bills on time, and you have plenty of available credit, your card could still be declined. President Obama found that out the hard way, not too long ago, according to FOX News. Under-used card triggers fraud alert The President’s credit card was declined in a cafe in New York not too long ago because, apparently, he doesn’t use that card very often. When he tried to pay his bill with a credit card, the issuer declined payment because it triggered a fraud alert. Since the card…
  • add this feed to my.Alltop

    Get Out of Debt Guy

  • Bicoastal Funding Debt Consolidation Loan Offer Review

    Steve Rhode
    23 Oct 2014 | 3:26 pm
    An amazing reader Burgemj sent in a new debt relief mailer through my I Buy Junk Mail program. It appears to be yet another offer sent from a very common sender, Sacramento, California Postal Permit 1297. Consumers have received a number of debt reduction offers from that postal permit. The debt consolidation loan offer from ... The post Bicoastal Funding Debt Consolidation Loan Offer Review...
  • Keep Up – It’s Novicore Solutions From Now On. Or is it?

    Steve Rhode
    22 Oct 2014 | 12:24 pm
    Remember Garden State Consumer Credit Counseling changed their name to Novadebt? Well now they’ve decided to change it again and on October 31, 2014 the company formally known as GSCCC will now be Navicore Solutions. According to information from the company the name change “more clearly conveys or mission and the growth of our counseling ... The post Keep Up – It’s...
  • Otto Berges and Consumer Protection Counsel Back in Court Again

    Steve Rhode
    17 Oct 2014 | 9:18 am
    I previously published a story about an outfit out of Florida being challenged in court over allegations they were selling credit repair services. See this story. Well some of the same players are back in it again. This new suit names Berges Law Group, Otto Berges, Consumer Protection Counsel, Debt Be Gone, and Gregory Fishman. ... The post Otto Berges and Consumer Protection Counsel Back in...
  • Debt Free Student Runs Most Unbelievably Dumb Advertisement

    Steve Rhode
    15 Oct 2014 | 2:17 pm
    A reader forwarded an advertisement they saw on Facebook for a student loan assistance company called Debt Free Student. Apparently they didn’t get the memo on using President Obama likeness in debt relief advertising. I’m sure the FTC is going to love seeing this one. Debt Free Student says they are located at 1200 Main ... The post Debt Free Student Runs Most Unbelievably Dumb...
  • SLS Managers – Consumer Complaint – October 14, 2014

    Consumer
    14 Oct 2014 | 12:29 pm
    Consumer Statement: Jason told me he could help me with my student loans. He said that I qualified for the Student Forgiveness Program. I told him I had to talked to someone before they said didn’t qualify because I didn’t work for a non profit organization and plus I’m still in school. He said that ... The post SLS Managers – Consumer Complaint – October 14, 2014...
 
  • add this feed to my.Alltop

    Credit Card Chaser

  • How to Avoid Getting Your Credit Card Declined

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

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

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

    Alice
    26 Sep 2014 | 10:21 am
    A husband and wife can live fairly comfortably in a one-room apartment sharing basic food and transportation costs. But all of this changes when a baby is added to the family. Suddenly, certain things like renting an apartment or taking the bus do not seem to be as palatable. The mentality of “Keeping up with the Joneses” arises with a family. The two-seater sports car is replaced with a mini-van. Parents must plan ahead to care for their new family members from 0 to 18 years old. Immediate Expenses with Birth A new baby will force a family to buy a whole new class of items:…
  • Repairing Identity Theft

    Alice
    19 Sep 2014 | 10:54 am
    Once an individual has discovered that his identity has been stolen, the individual may be confronted with a great deal of anger and disappointment. What’s even worse is all the frustration he may encounter as he attempts to clean up his credit. Since identity theft usually begins as a financial crime, the most significant part of clearing up the damage is repairing the mistakes due to unauthorized charges and accounts that were opened in the victim’s name. The best technique for correcting fraudulent activity on a credit report is to start fixing the problem immediately and be…
 
  • add this feed to my.Alltop

    Ready To Be Rich » Ready To Be Rich

  • A List of Amazing, Awesome and Wonderful Things

    Fitz
    22 Oct 2014 | 2:28 pm
    Have you ever seen a sea of clouds? It’s such an amazing sight. — There’s a restaurant in Davao City named Lachi’s. They serve the most awesome Sans Rival. — Globe has an e-waste recovery and recycling program called Project 1 Phone. It’s a wonderful idea that will rebuild schools in Aklan. — Harry Potter […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: A List of Amazing, Awesome and Wonderful ThingsWhich is better, stocks or forex?Learn the difference between the two and discover the winning…
  • The Amazing Story of the Turtle Traders

    Fitz
    19 Oct 2014 | 6:41 pm
    One popular statistic that is being said about people who go into the stock market is that 85% of them fail. It’s even more brutal in forex, where it is said that 95% of them lose money. I tried to see if those numbers were true, and haven’t found any proof. So I’m concluding that […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Amazing Story of the Turtle TradersWhich is better, stocks or forex?Learn the difference between the two and discover the winning mindset on how to become a successful stock market and forex…
  • Successful Investing is Not Just About the Numbers

    Fitz
    16 Oct 2014 | 2:00 am
    Once upon a time, a powerful wizard created two magic boxes. They’re magic because they have the ability to make money instantly appear inside. The powerful wizard randomly chooses one person every three years and gives them those boxes. When the 3 years have passed, he’ll take them back and choose the next lucky person […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Successful Investing is Not Just About the NumbersWhich is better, stocks or forex?Learn the difference between the two and discover the winning mindset on how to…
  • Eight Reasons Why I Learned To Love Personal Finance

    Fitz
    14 Oct 2014 | 2:06 pm
    Did you love your finance subjects when you were in college? I recall my economics class, and how I and most of my classmates found it boring. My accounting class was no different, as I felt it was a waste of my calculator’s power to do an endless stream of additions and subtractions. Today, April […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Eight Reasons Why I Learned To Love Personal FinanceWhich is better, stocks or forex?Learn the difference between the two and discover the winning mindset on how to become a successful stock…
  • Learning Begins In The Family: Three Inspirational Videos About Entrepreneurship

    Fitz
    13 Oct 2014 | 3:44 pm
    Entrepreneurship is not something taught in schools, but it’s something that parents can essentially teach their children. These three videos from Thailand and based on real-life stories, shows how family inspires infinite possibilities of learning and proves that parents can be a powerful influence in shaping their children’s future. Traditional Thai Dance We Can Try […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Learning Begins In The Family: Three Inspirational Videos About EntrepreneurshipWhich is better, stocks or…
  • add this feed to my.Alltop

    Cash Flow Planning for Life

  • Self Employment Form 1099 – Time to Contact a Tax and/or Legal Professional

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

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

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

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

    Simplified Saving

  • Oreo Eyeball Pops

    Lisa Thompson
    22 Oct 2014 | 6:47 pm
      I love to make “themed” foods.  In my kids opinion, there’s no better time than Halloween.  Creepy, spooky, and just plain gross (looking, not tasting)  appeal to them! Since I’m pretty much in love with all Oreo based recipes, I whipped up these Oreo Eyeball Pops!  They’re easy, they’re fun, and they taste delicious! Here’s what you’ll need to whip up a batch of Halloween Eyeball Oreo Pops: 1 bag of lollipop sticks (After making these a few times, I think the 6″ Wilton Lollipop sticks work best) Double Stuffed  Oreos or Mega Stuffed…
  • Suave Family Perks Program

    Lisa Thompson
    20 Oct 2014 | 11:42 am
    Disclosure: This post has been sponsored by Global Influence. As always, all thoughts and opinions are my own! I’ve always been a beauty product snob.  While my frugal friends were buying drugstore makeup and hair products, I was saving money like crazy on all my other purchases so I could splurge on department store and salon quality products.  A few summers ago, I accidentally left my $25 hairspray at home when I went on vacation.  Rather than buy another $25 bottle, I thought I’d “make do” with something from Walmart.  I grabbed a bottle of Suave Professionals…
  • Restaurant Coupon Roundup {10/18/2014}

    Lisa Thompson
    18 Oct 2014 | 8:38 pm
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Au Bon Pain – $2 Off $7 Purchase (exp: 10/20/2014) Bertuccis – $5 Off Entire Check from 4PM – Close (exp: 10/31/2014) Black Angus Steakhouse – $41 Campfire Feast for Two (exp: 10/28/2014) Blimpie - Free Regular Sub When You Buy Regular Sub & Drink (exp: 10/30/2014) Bob Evans – 20% Off Carry-Out Purchase (exp: 10/20/2014) Corner Bakery – Free Pumpkin Whoopie Pie with…
  • Retail Coupon Roundup {10/18/14}

    Lisa Thompson
    18 Oct 2014 | 8:28 pm
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Ace Hardware - Buy 1 Get 1 Free Ace Hardware Air Filter (exp: 10/31/2014) Adidas Outlet – $10 Off $75 Purchase (exp: 11/4/2014) Bealls - $10 Off $25 Purchase (exp: 10/25/2014) Belk – 15% Off Sale Price Purchases + More (exp: 10/18/2014) Bonton – $10 Off $25 Regular or Sale Price Purchase (exp: 10/23/2014) Carters - 20% Off $40 Purchase (exp: 11/1/2014) Casual Male - $25 Off $75 Purchase (exp: 11/2/2014) JCPenney - 25% Off Select Apparel, Shoes,…
  • DIY Snowman Mugs {An Easy Sharpie Craft}

    Lisa Thompson
    13 Oct 2014 | 8:06 am
    Now that the weather has cooled off, we are in hot beverage mode.  My hubs and my 16 year old are drinking lots of coffee, my 19 year old is sipping on her tea, and the twins and I are craving hot chocolate and chai lattes. Our older daughters and my husband and I  each have our own mugs and so the twins have asked for their own mugs. Rather than buy something, I thought I’d take the time to create something fun.  And when I was finished, I realized these would make great gifts this Christmas…especially when filled with hot chocolate mix and Hershey’s kisses! I…
 
  • add this feed to my.Alltop

    Personal Dividends

  • Can You Really Make Money Following Your Passion?

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

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

    Kevin Mercadante
    7 Oct 2014 | 5:00 am
    Most of the time when people attempt to take debt consolidation loans, they fail miserably. They do for reasons that are too involved to cover here. But there are ways to make debt consolidation work, and here are at least five of them. 1. Treat it as a voluntary bankruptcy If you end up in bankruptcy as a result of having too much debt, the court will establish the terms of any necessary repayment, as well as the resolution of debt that you are unable to pay. You should treat a debt consolidation loan as though it were a bankruptcy, but one where you have an opportunity to control how it…
  • 3 Financial “Rules” I Don’t Follow

    Miranda Marquit
    30 Sep 2014 | 5:00 am
    When I first started writing about personal finance back in 2006, I was big on the “rules.” Since I didn’t know much about money management — beyond the fact that, to that point, I hadn’t been great at it — I wanted rules to help me stay on track. While rules of thumb can be a great starting place for your finances, and help get you on the right track, the fact of the matter is that personal finance is personal.  Just because it’s a general rule, or a good starting point, doesn’t mean that it’s always going to be the right thing for…
  • Do You Own Your Money Mistakes?

    Tom Drake
    23 Sep 2014 | 5:00 am
    One of the more interesting firings recently was that of Groupon CEO Andrew Mason. While talk of the fundamentals of Groupon as company is sure to circulate, and it will be interesting to see what direction the company goes from here, what I thought was interesting was the way Mason owned his mistakes. In a memo he circulated internally to Groupon employees, and then released publicly, he said, “As CEO, I am accountable.” He owned his mistakes. Mason admitted that he was in charge, and that he hadn’t taken the company in the right direction. His story offers some helpful…
  • add this feed to my.Alltop

    Much more than debt, IVA and personal finance from ClearDebt.

  • Payday lenders and fluffy toys: CMA proposals to increase price competition between payday lenders

    Kristian Stock
    14 Oct 2014 | 6:58 am
    Payday lenders and fluffy toys: CMA proposals to increase price competition between payday lenders is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Payday lenders and fluffy toys: CMA proposals to increase price competition between payday lenders is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. We don’t think people will be getting free meerkats with payday loans anytime soon. On the face of it, a comparison site may be […]
  • Payday Loans: Totally evil, right?

    Kristian Stock
    3 Oct 2014 | 1:10 am
    Payday Loans: Totally evil, right? is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Payday Loans: Totally evil, right? is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Understanding whether taking out a payday loan makes sound financial sense can be a tricky issue for many people, but here we hope to educate you on the types of borrower that typically […]
  • Three debt management firms bite the dust

    Kristian Stock
    18 Sep 2014 | 9:13 am
    Three debt management firms bite the dust is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Three debt management firms bite the dust is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Another batch of debt management companies bite the dust as the FCA impose their authority and urge customers to stop making payments. Not 24 hours after reporting requirements imposed on Bournes […]
  • Manchester based debt management company Bournes Limited faces imposed requirements by the FCA

    Kristian Stock
    17 Sep 2014 | 9:55 am
    Manchester based debt management company Bournes Limited faces imposed requirements by the FCA is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Manchester based debt management company Bournes Limited faces imposed requirements by the FCA is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. The industry regulator for the debt management sector, the Financial Conduct Authority (FCA), has imposed a requirement on Bournes Debt Solutions. The regulator has put […]
  • IVA story shared in Glamour debt feature

    Kristian Stock
    9 Sep 2014 | 9:17 am
    IVA story shared in Glamour debt feature is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Leading women’s magazine Glamour features a ClearDebt client who shares her IVA story with the Glamour readers.
 
  • add this feed to my.Alltop

    Money Watch

  • Mastercard To Launch Thumbprint-Reading Bank Card

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

    Rob Lewis
    14 Oct 2014 | 3:26 pm
    The Financial Brand runs a quarterly review of the use of social media by banks, and have recently published the results of their research for the 3rd quarter of 2014. Below are the rankings of the top ten UK banks on social media, based on Financial Brand’s “Power 1oo Score”, which is calculated based on a range of factors, such as Facebook Likes, and Twitter followers. Bank Total Facebook Likes Total Twitter Followers All-Time YouTube Views Power 100 Score 1 Natwest 226,700 41,800 5,572,839 812 2 Barclays 538,000 41,300 2,846,894 766 3 HSBC 164,200 10,900 3,802,259 588 4…
  • 8 Things Your Bank Should Never Ask You To Do

    Rob Lewis
    13 Oct 2014 | 1:22 pm
    The British Banking Association (BBA) has launched a new campaign which it hopes will help to combat bank account fraud. To promote the “Know Fraud” campaign, the BBA have published 8 things that banks will never ask you to do, to increase the  awareness of the types of tatics employed by scammers. Ask for your full PIN number or any online banking password over the phone or via email Send someone to your home to collect cash, bank cards or anything else Ask you to email or text personal or banking information Send an email with a link to a page which asks you to enter your…
  • Vouchercloud Aims To Disrupt Gift Card Market With “Giftcloud” App

    Rob Lewis
    9 Oct 2014 | 1:30 am
    Discount voucher website vouchercloud has announced the launch of Europe’s first completely digital gifting app and website, which it hopes will disrupt the entire gifting market; in particular the £5bn gift card sector. Giftcloud will allow users instant access to digital gift cards from some of the UK’s retail giants, which can then be sent immediately via text, email or Facebook. Giftcloud already has the backing of leading retailers such as House of Fraser, Debenhams, Currys PC World, Ticketmaster, eHarmony, Cineworld, Starbucks and restaurant chains Pizza Express, ASK Italian and…
  • Hack An ATM For Piles Of Cash

    Rob Lewis
    8 Oct 2014 | 2:35 pm
    In what looks like a scene from a movie, the BBC has published a video showing a cash machine handing out piles of cash after being hacked. In the video, the hackers (researchers from computer security firm Kaspersky) entered a couple of codes on the keypad before being presented with the cash. Thankfully, this can’t be done on any ATM; it has to have been tampered with in the first place (so physical access to the machine is required in the first place), but nevertheless, represents a worrying flaw in their security. The hack doesn’t actually remove the money from a…
  • add this feed to my.Alltop

    Yes, I Am Cheap

  • 6 Months Unemployed + 9 Month Temp Job = $50,000+ Debt Slayed In Less Than 2 Years

    Sandy Smith
    23 Oct 2014 | 12:35 pm
    Get a comfy chair.  You’re going to be here for a while. Yesterday after paying down one bill I crunched the numbers and realized that since January 2013 I have reduced my total debt by $50,724.79.  I felt as if I had just finished running the New York City Marathon and had shoved the previous winner right out of a guaranteed podium spot.  I won. I could have kept it all to myself and silently celebrated my little victory, but I decided that this was a great opportunity for you guys to learn about how I managed to pay off such a massive amount of debt in a time when I was…
  • October 1 Debt Check

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

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

    Sandy Smith
    25 Sep 2014 | 10:49 am
    With a blog called Yes, I Am Cheap, you can bet that I get a fair bit of e-mails comparing cheap and frugal.  I’ve been asked many times if frugal is better than cheap and I’ve answered this question the same way every single time – there is no difference.  It’s what I told Harvard Business Review years ago and it’s what I told Experian last week.  Frugal used to have a better connotation than cheap did only because a cheap individual was often viewed as miserly, but ask yourself how many times you’ve said, “Man, that’s cheap” as you…
  • Get A New iPhone? Heck No!

    Sandy Smith
    12 Sep 2014 | 11:11 am
    Every Fall a strange phenomenon happens within the U.S; hordes of people with money to burn line up outside of their local Apple store days ahead of a potential announcement to be the first in line to toss money at a “genius” before scurrying off with the latest gadget.  This year my friends, the latest gadgets are phones from Apple.  Before I go on, I have to make a full disclaimer that the only Apple product that has ever entered my home came off of a tree, and unless they were in a pie I wasn’t too fond of them either. I have the pleasure of working in Manhattan some…
  • add this feed to my.Alltop

    Money Reasons

  • Cheap Workout Sunday Report 3

    Money Reasons
    19 Oct 2014 | 12:51 pm
    While I’m sure I’ll be sore in a few days, I can tell that my muscles are starting to respond by coming back to life.  They have been dormant for so long that I’m much weaker than I imagined I would be.  I’m trying to keep my progression under control because I’ve had shoulder issues in the past and don’t want that problem to rear it’s ugly head by increasing the weight I’m pushing too quickly.So why is this a “Cheap Workout”?  Because I’m in the basement with a cheap bench and weights that could be found on craigslist or…
  • Cheap Workout Sunday Report 2

    Money Reasons
    12 Oct 2014 | 11:40 am
    I was much more sore from that past workout than I ever imagined that I would be.  On some days last week, I questioned where I could even walk, not to mentioned that I felt totally depleted and without energy.  Starting to work out is never easy, but this was much, much harder than I imagined.What makes it even more difficult is the fact that I am trying to lose 20 to 40 pounds be the end of the year.  So that makes it that much more complex of a scenario.If you want to read about my first official start to my cheap workout series, read Cheap Workout Sunday Report 1.And now on with the…
  • Cheap Workout Sunday Report 1

    Money Reasons
    5 Oct 2014 | 6:55 pm
    My health hasn’t been in tip-top shape for years…  Ironically, I wrote an article a few years back called “Becoming Super” and of course the opposite happened, I’ve been practically anti-super ever since.  Not by own choice, mind you but instead I was hit by a number of illnesses that has had me on the decline ever since.  I’ve been hoping I could overcome the illness be myself, but I haven’t and I’m tired of waiting for my body to defeat my problems naturally.  So, I’ve decided to start to get back into shape, but in a slow and cheap…
  • Perils of Big Data or Beyond Big Brother?

    Money Reasons
    30 Sep 2014 | 9:30 am
    Technology is great!I’m in the technology field and sometime I feel so empowered!  You can do anything with technology if you work at it, look at all the great smart phone apps that are in existence!  Who doesn’t love reading email or playing Candy Crush any place and at anytime?But there is a dark, scary underbelly of technology and in particular “Big Data” that you should also be aware of.  And that is, you are being watched just like Big Brother, but much, much more scary!  You see with the much feared concept of “Big Brother is always watching” in…
  • The Hurdles With Helping Others Financially

    Money Reasons
    15 Sep 2014 | 9:42 am
    I’m all about experimenting, I guess it’s the scientist in me that keeps trying to breakout of my work life that consists of a repeating grind that is way to familiar.Recently, I decided to try an new financial experiment where I would take an attractive female or male (mostly female because I’m not a good judge of what an attractive male is), and try to teaching that person what I know and set them on a course of action that would improve their financial live  The person that I would teach would have to be willing and have capabilities beyond just good looks, so I’d…
 
  • add this feed to my.Alltop

    Financial Woman

  • Women, Wealth and Trailblazing

    Camille Gaines
    23 Oct 2014 | 11:02 am
    Boomer Women and Wealth… Women over 50 are increasingly inheriting and making more money. Get the facts from this New York Times article on women and wealth. Read the entire article by clicking here. Financial Woman Insights:  Check the fees carefully for annuities….and the income stream, especially now. If you are hiring a financial advisor, know why…please! Favorite line from this article: “This group of women are trailblazers,” Ms. Slotkin said. “They’ve become forces as business owners in their communities, they’ve accumulated wisdom along the way, and…
  • Quickly Test Your Income Idea with This!

    Camille Gaines
    21 Oct 2014 | 5:05 am
    Remember Madlibs? Here’s a cool one for you! More income means more money to grow…and a better lifestyle along the way. Have an idea to test a new income stream? Step #1, google search to see who else, if anyone, is already doing it. Contrary to popular belief, you either want lots of people doing it, or none. If it’s a general, not patented or trademarked idea, like a website or book on decorating with repurposed items, for example, you want to see lots of people doing it. This indicates that there’s strong interest in your intended market. If it’s a unique…
  • A Noted Shift in Women and Money Expert Suze Orman’s Philosophy

    Camille Gaines
    16 Oct 2014 | 7:34 am
    I love everything that women and money Suze Orman says in this article. I haven’t read her content in a good while, but I really like that she is now recommending that people make investments based on what’s happening in the economy, not just a standard percent in various investments based on their age. It’s called asset allocation in financial lingo, divvying your money up among stocks and bonds and such. This is a big shift for Suze, and for an investor’s portfolio management. Yes, it is definitely easier to just put a certain percent of your wealth account in…
  • The Most Important Step to Hire a Financial Advisor…

    Camille Gaines
    7 Oct 2014 | 9:58 am
    Did you know that Baby Boomers are about to transfer the single largest sum of wealth to another generation, according to this Forbes article by fellow baby boomer Neale Godfrey? Estimates range up to $59 trillion!! The only thing I might say differently is that it’s best to hire a financial advisor based on the results they are getting for you, hence, the importance of really understanding just a few investing basics… Get the article and some great pointers here at Forbes… The post The Most Important Step to Hire a Financial Advisor… appeared first on Financial Woman.
  • How to Invest Part 2

    Camille Gaines
    31 May 2014 | 7:40 pm
    How to Invest Part 2 The first How to Invest article addressed deciding how much money you want to invest. The next step toward smart investing is choosing how much risk you want to have with your investment money. You’ll want to have six to twelve months living expenses in a very low risk investment that has little or no change in value. This is not investment money that I’m addressing in this article; this is reserve money in case you lose your job, or have some sort of emergency. It’s your “sleep well at night savings”… But what’s your “sleep well at night risk level” for…
  • add this feed to my.Alltop

    Smart Balance Transfers

  • Citi Upgrades Price Rewind

    Jason Steele
    24 Oct 2014 | 4:00 am
    Citi’s Price Rewind has always been an interesting alternative to the standard price protection policies found on other cards. When it was first introduced, Price Rewind offered to issue a refund to cardholders if their eligible purchases dropped in price within 30 days. At the time, the rules said that the difference had to be […]
  • 5 Things You Didn’t Know About Chase Slate

    Jason Steele
    22 Oct 2014 | 4:00 am
    The card is one of the most popular credit cards available to customers who are trying to pay off their debt. It offers 15 months of interest free financing on both new purchases and balance transfers. And while this card is extremely popular, here are some little known facts about it: 1. has been the […]
  • Time Is Running Out For The US Airways Premier MasterCard

    Jason Steele
    20 Oct 2014 | 4:00 am
    US Airways is merging with American Airlines, but credit card users can still apply for from Barclaycard. It currently offers 40,000 bonus miles when cardholders make their first purchase and pay the $89 annual fee. Cardholders also receive a free checked bag for themselves and up to four other passengers traveling on the same itinerary. […]
  • Best Rewards Credit Card Deals For October

    Jason Steele
    17 Oct 2014 | 4:00 am
    This October, Americans continue to look for the best possible reward credit card deals available. Certainly, applicants are in the driver’s seat as the credit card industry is trying hard to lure new customers in this very competitive marketplace. Here are some of the top reward card offers this October:   The ever-popular Freedom features 15 […]
  • Best Travel Rewards Promotions For October

    Jason Steele
    15 Oct 2014 | 4:00 am
    This fall, credit cards that offer travel rewards continue to be as popular as ever. As the economy recovers and Americans are traveling more, airlines are increasing their prices, making travel rewards even more valuable. This October, here are some of the best travel reward credit card offers available: This card features 40,000 bonus miles […]
  • add this feed to my.Alltop

    Credit.com

  • It’s Alive! Criminals Are Creating New Identities From Bits & Pieces of Yours

    Bob Sullivan
    23 Oct 2014 | 9:01 pm
    Digital criminals inventing and exploiting identities out of thin air, rather than impersonating real consumers, are a fast-growing menace, according to a new report from fraud-fighting firm ID Analytics. This relatively new form of identity fraud, called synthetic identity fraud, involves criminals using random Social Security numbers, mismatched names and birthdays, and other personal characteristics that they slowly nurture into full-blown identities that can be used to obtain credit cards, cellphones and more. Fraud rates for this kind of crime are up more than 100% since 2010, ID…
  • 4 Credit Cards That Offer Rewards in Time for the Holidays

    Jason Steele
    23 Oct 2014 | 9:01 pm
    Rewards credit card users are accustomed to playing the long game. It can take some time to find the best card, receive it, and earn the points or miles needed. And in many cases, award travel must be planned many months in advance in order to find scare award seats or free hotel nights during peak periods. So where does this leave credit card users who hope to earn rewards quickly, and in time for the holidays? Thankfully, there are still some offers available that can pay off well before the end of the year. Before you apply for a credit card, there are two important things to consider:…
  • One Political Mailer Speaks Volumes on Lack of Data Security Knowledge

    Adam Levin
    23 Oct 2014 | 9:01 pm
    Did you hear the one about the Kentucky GOP candidate who asked his attorney general to investigate the state Democratic Party for allegedly sending out the Republican’s Social Security number and more personal information to thousands of constituents? Sorry to say, there’s no punch line here, because according to recent reports, it actually happened. Introducing Jeff Jobe. He’s running against one Johnny Bell, the incumbent Democrat representative of District 23 in Kentucky’s House of Representatives. It’s a local race with a mean streak in which a fair amount of time and money has…
  • 3 Money Mistakes That Can Torpedo Your Marriage

    Gerri Detweiler
    23 Oct 2014 | 9:01 pm
    As if discovering the love of your life is messier than you thought, doesn’t really love jazz or is chronically late weren’t enough, couples also have to find ways to deal with differing financial habits — from the merely annoying (sending dollar bills through the laundry) to the serious (hiding debt). The good news is more couples are getting a running start at understanding how the other person deals with money. Money coach and author Gail Perry-Mason said that when she was younger, people wanted to know what a potential partner’s astrological sign was, not what…
  • Are You Dealing With a Real Debt Collector?

    Bob Sullivan
    23 Oct 2014 | 9:01 pm
    Some less-than-above-board debt collectors deploy a number of unsavory tactics while trying to persuade consumers to give them money, but none worse than this: trying to collect on debts that just don’t exist. It happens, often. Sometimes, bad records are to blame. Debt notes are often sold, re-sold and re-sold again, and during that game of telephone, something gets lost in the translation and a consumer gets unnecessarily harassed. But that’s not what we’re talking about today. We’re talking about outright fraud. An aggressive collector calls a person and simply…
 
  • add this feed to my.Alltop

    The Allstate Blog

  • Safety Recalls: What to Do if Your Car Is Recalled

    Brendan
    24 Oct 2014 | 3:00 am
    When your car or any of your vehicle’s equipment has been recalled, it can make you feel worried and confused. Hearing there could be a potential safety issue with the vehicle you drive every day can be cause for concern. But, knowing what to do if your car is recalled is the first step toward feeling at ease again. Auto Insurance Basics & MoreLearn more about how to protect your ride with auto insurance. Explore What Is a Safety Recall? US News and World Report reported that according to data collected from the National Highway Traffic Safety Administration (NHTSA), in 2013 alone,…
  • Getting Mail While Living On an RV

    Amy Tyszkiewicz
    23 Oct 2014 | 6:00 am
    Your road map is in hand, the bags are packed, and you’re ready to hit the road. Your RV trip is about to begin, but did you remember all the pre-trip details? One detail you’ll want to address is your mail, particularly if bills will need to be paid while you’re gone. Here are a few alternatives to overwhelming your mailbox and ways you can get mail while living on the road. Get an Insurance QuoteCurious what Allstate can do for you? Get a quote here. Get a Quote Ask a Trusted Person: One way to keep your mailbox at home from filling up is to ask a neighbor, friend, or family…
  • 10 Situations That Call for an Emergency Fund

    Nicole Markle
    22 Oct 2014 | 4:01 am
    Everyone knows the little rules of life that reduce the risk of costly mistakes, like driving slowly in the rain or not leaving candles burning. But it’s the rare what-ifs that might prompt you to dip into your retirement savings or your child’s college fund if you don’t have a financial backup plan. An emergency fund can serve as protection against unexpected expenses – no running up your credit card, no borrowing from your retirement or bank accounts. However, 28 percent of Americans don’t have emergency savings, according toCNN. That’s a large group of people who…
  • Find the Right Motorcycle Riding Club

    Brendan
    20 Oct 2014 | 12:44 pm
    Riding clubs are a great way for riders to connect—and, of course, hit the road—with other enthusiasts. But even a quick Internet search yields a staggering number of club options, especially in warm weather areas. So, how do you narrow down your choices and find a comfortable group of motorcycle riders? Riding Clubs: What They Are & What They’re Not Long story short: a motorcycle riding club isn’t a “motorcycle gang.” Instead, a riding club is simply a group of riders organized around an idea—enthusiasm for a particular brand of bike—and dedicated to…
  • SLIDESHOW: Motorcycle Sidecars: More Uses Than You’d Think

    Amy Tyszkiewicz
    17 Oct 2014 | 3:00 am
    Hitting the open road alone and experiencing the sense of freedom and adventure of riding a motorcycle is what it’s all about for most riders. But for some, they want to share that experience and bring someone along. That desire to share the fun is certainly not new, as the sidecar was invented around the turn of the 20th Century, according to Rider magazine. While the details are spotty, in 1893, a French newspaper created a contest that offered a prize for the best way tic array a passenger, says Rider magazine. The final solutions presented were the forecar (passenger in the front),…
  • add this feed to my.Alltop

    Centsible Life

  • Family CFO Interview: Jackie Beck of The Debt Myth

    Kelly Whalen
    23 Oct 2014 | 6:00 am
    This entry is part of 13 in the series Family CFO SeriesWelcome to another installment of the Centsible Life Family CFO interview series. This series will share a look behind the scenes at how other families manage their money with useful advice, funny stories, and hopefully we’ll all come out of it a bit more money savvy. Want to be featured as a Family CFO? Simply click over to the  interview form and fill it out. It should only take you about 5-10 minutes. I’d love to feature readers and fellow bloggers alike. If you have suggestions for additional questions I’d love…
  • How to Establish Good Credit {sponsored}

    Kelly Whalen
    22 Oct 2014 | 7:01 am
    Good credit is the key to borrowing smart. It allows you to secure lower interest rates on a mortgage or auto loan, it gives you a larger pool of funds to borrow against for larger purchases or remodels, and can even help when you’re looking for a new job. Why does credit history matter? When looking at your credit history credit card companies and banks look at ALL your borrowing history. That means they look at your how long you’ve held an account, limits on the account, and payment history. They need to know if you’re going to be able to pay back your debts and by looking at your…
  • Monday Meal Plan: October 20th

    Kelly Whalen
    20 Oct 2014 | 5:00 am
    We’re gearing up for another busy week and wrapping up our plans for Halloween costumes. We’ll be walking in a parade this weekend and we even have a costume for the puppy! (more on that soon) Download the printable menu plan for 2014 to get started meal planning to help you save thousands, and you can view all my Centsible recipes on the Recipes page. Monday Meal Plan: September 8th Monday: Perfect chicken, mashed potatoes (my ultimate comfort food!), side salad. Tuesday: Brinner! Pancakes, bacon, sausage, fruit salad, and a homemade frittata. (will share the recipe next…
  • Sunday Reads & Deals: October 19th

    Kelly Whalen
    19 Oct 2014 | 5:35 am
    It’s time again for a weekly roundup of smart and fascinating things I found online and some great deals that aren’t to be missed. This week includes some heavier reads and some fun Halloween deals. Sunday Reads Stop Babyproofing Childhood Jeff is a friend and an amazing writer who happens to write some of the best parenting pieces on the internet. For real. I couldn’t agree more with his piece on the babyproofing of childhood. Could you imagine getting to adulthood without the privilege of making mistakes while the errors were minor and fixable, before the consequences…
  • 6 Non-Candy Treats for Halloween and the Teal Pumpkin Project

    Kelly Whalen
    18 Oct 2014 | 5:00 am
    Halloween was always my favorite holiday as a kid. I would go out with a pillowcase and high hopes, and come home with a pillowcase stuffed full and eat until I couldn’t anymore. My Halloween candy lasted a day or two. While I went crazy on sugar from a young age, my kids aren’t afforded the same sugar bingeing opportunities. I’m not a big fan of what sugar turns my kids into,  and I know how bad it can be for their health. So we limit, we send some extras in to work with their Dad, I toss some things (Tootsie rolls you are the DEVIL), and they end up with a reasonable…
  • add this feed to my.Alltop

    The Daily Reckoning

  • From Creditopia to Utopia

    Richard Duncan
    23 Oct 2014 | 2:47 pm
    This post From Creditopia to Utopia appeared first on Daily Reckoning. [Ed Note: This essay was adapted from Richard Duncan's latest book, The New Depression.] The economy has grown dependent on government spending and debt. Therefore, given the current structure of the economy, if the government spends significantly less, the country will remain marred in an economic depression with no visible end in sight. It appears, then, that three options are available to the government. The first is austerity. The government could sharply reduce its spending. The result would be a New Great…
  • Why Democracy Won’t Survive the New Depression

    Richard Duncan
    23 Oct 2014 | 12:45 pm
    This post Why Democracy Won’t Survive the New Depression appeared first on Daily Reckoning. People often ask me, “How severe would the New Depression be?” And I think the best way to think about it is to consider what happened with the last Depression. After all, the two occurred for the same reason; a fiat money credit bubble formed when we broke the link between dollars and gold both times. So what happened in the 1930s? Well international trade collapsed and the international banking system collapsed; 1/3 of all the U.S. banks failed and international…so people lost…
  • Don’t Blame Obama (He Has No Power)

    Chris Campbell
    23 Oct 2014 | 10:13 am
    This post Don’t Blame Obama (He Has No Power) appeared first on Daily Reckoning. The genius H.L. Mencken put it best when he wrote that “every election is a sort of advance auction sale of stolen goods.” We also like the one from P.J. O’Rourke, who wrote… “Don’t vote! It just encourages the bastards.” And we can’t forget Twain’s pithy observation… “If voting made a difference,” he said, “they wouldn’t let us do it.” Until now, this area of debate has been reserved only for the fringes. The question of whether or not to vote, that is. Or if voting is actually…
  • Your Personal Gold Standard

    James Rickards
    23 Oct 2014 | 7:45 am
    This post Your Personal Gold Standard appeared first on Daily Reckoning. There isn’t a central bank in the world that wants to go back to a gold standard. But that’s not the point. The point is whether they will have to. I’ve had conversations with several of the Federal Reserve Bank presidents. When you ask them point-blank, “Is there a theoretical limit to the Fed’s balance sheet?” they say no. They say there are policy reasons to make it higher or lower, but that there’s no limit to the amount of money you can print. That is completely wrong.
  • October Plays Another Dirty Trick – Here’s What You Do Now

    Greg Guenthner
    23 Oct 2014 | 7:36 am
    This post October Plays Another Dirty Trick – Here’s What You Do Now appeared first on Daily Reckoning. Bad things have a funny way of happening in October. Remember October 1929? Me neither. But it raised the curtain on the Great Depression. Or maybe you do recall the infamous Black Monday crash in 1987. The Dow tumbled 22%— the largest single day loss ever. Guess what? That was in October, too. The 19th to be exact. Notice a trend here? Fast forward to this October… You know what happened this month. And if all that wild market action kneed you in the gut, don’t say I didn’t…
 
  • add this feed to my.Alltop

    Canadian Finance Blog

  • Overview of CPP Disability Benefits: Are You Eligible?

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

    Tom Drake
    14 Oct 2014 | 2:00 am
    When you make charitable contributions, you receive benefits that are both financial and emotional. First of all, you know that you are likely to feel good about your charitable contribution. The feelings that accompany generosity are worth it in and of themselves. However, our government also likes to encourage generosity, and care for the needy. As a result, it’s possible to receive a tax credit for your charitable contributions. While most of us (hopefully) don’t donate just because there might be a financial benefit, it certainly doesn’t hurt that it’s available to…
  • How Much Money Do I Need to Retire?

    Tom Drake
    6 Oct 2014 | 2:00 am
    We’re all looking for a way to secure a future. It’s common to have dreams of a good retirement, with plenty of money to enjoy life. However, you can’t expect to just have enough money to live on if you want to be comfortable. You have to plan ahead. A recent survey from the Employee Benefits Research Institute indicates that more than half of workers in the United States haven’t done a retirement needs assessment. It wouldn’t be unreasonable to assume that Canadians have similar results. This means that there is a good chance that you might not have figured out…
  • The Basics of the Smith Manoeuvre

    Tom Drake
    29 Sep 2014 | 2:00 am
    In the United States, mortgage interest is tax deductible if you meet certain qualifications. However, mortgage interest isn’t tax deductible here in Canada. That doesn’t mean that there aren’t a few cool tricks that you can use to improve your tax situation, and that includes turning your mortgage interest into something that could be tax deductible. The strategy known as the Smith Manoeuvre is something that we Canadians can use to our advantage. What is the Smith Manoeuvre? The Smith Manoeuvre is a strategy that Fraser Smith developed as a financial planner. It worked…
  • A Look At Canadian Personal Finances

    Tom Drake
    22 Sep 2014 | 2:00 am
    Years ago, when Mint launched in Canada, they decided to run a poll to see how Canadians handle their finances. It’s interesting to get an idea of the personal finance trends that dominate our culture, especially since you can compare your missteps with the prevailing attitudes. Overall, I think didn’t think we came out so badly, but there is room for improvement… just like your personal finances probably aren’t in too bad of shape, but you might have room for improvement. I know that looking at the results has helped me get a better idea of where I stand, and has drawn…
  • add this feed to my.Alltop

    The Dividend Guy Blog

  • Genuine Parts (GPC) Third Quarter Results + Why You Should Buy This Stock

    DivGuy
    22 Oct 2014 | 5:23 am
    Genuine Parts just released its third quarter results with record sales totaling $4.0 billion were up 8% compared to the third quarter of 2013. EPS were also up by 11% ($1.24 vs $1.12). We will go through the main highlights of their reports, but first, we will analyze what Genuine Parts has been doing over the past five years and determine whether or not it should be part of your dividend portfolio. This dividend aristocrat has not only increased its dividend payment since 1957, it clearly shows growth on all fronts: revenues, earnings and dividend payments. GPC forecasts a revenue growth…
  • Apple (AAPL) Fourth Quarter Results + Why You Should Buy This Stock

    DivGuy
    21 Oct 2014 | 5:19 am
        Apple just released its fourth quarter with stronger results than expected: $42.1 billion in revenue vs $37.5 in Q4 2013 $1.42 Earnings per share vs $1.18 in Q4 2013 16% sales jump for iPhones 20% EPS growth in 2014 $13.3 billion in cash flow Declared dividend of $0.47/share We will go through the main highlights of their reports, but first, we will analyze what Apple has been doing with its cash over the past few years. If you look at the following graph, you will notice how fast its growth was in 2011 but how revenues are now slowing and 2013’s earnings were less than…
  • Will Boomers Boom Our Market?

    DivGuy
    20 Oct 2014 | 2:00 am
        I’ve heard an interesting theory several times of late. This investing theory explains how the next market crash will happen. This is a bubble that went on for years and nobody suspected it. Have you ever heard how the baby boomers will withdraw so much money from the market to finance their retirement that will generate a massive bear market?   The Theory about the Next Market Crash Here’s a little bit of rationale behind this theory: The baby boomers are the group of people that were born between 1946 and 1964. It was the most massive wave of newborns since the Great…
  • Quick Stock Question: What Will Happen to McDonald’s?

    DivGuy
    15 Oct 2014 | 2:00 am
        Let’s put it this way, while the US stock market is on a super bullish ride, McDonald’s has struggled with a flat return for the past two years. In fact, it’s a blessing the stock pays dividends because otherwise it would have been better to put your money in a money market fund if you only look at the stock appreciation since September 2012!   What is Happening with Mickey D? The optimist will tell you that: MCD is the leader in the fast food industry, It dominates with its incredible locations and their Real Estate is key in their business model, It dominates the…
  • Disney (DIS) Low Yield, High Return

    DivGuy
    13 Oct 2014 | 2:00 am
        I must be honest with you; I discovered Disney (DIS) by fluke. It wasn’t on any of my watch lists and never appeared in my filters (since I prefer a dividend yield over 2.50%). I took a look at Disney solely because I wanted to analyze two other related kids’ entertainment companies: Hasbro (HAS) and Mattel (MAT). Those two companies represented great buys aopportunities back in 2012 but I never thought I would end up buying the low yield dividend stock used only for comparison purposes.   Low Dividend Yield – High Investment Return   Disney is not exactly…
  • add this feed to my.Alltop

    Fiscal Fizzle

  • Thank You

    Peter Kulicki
    17 Oct 2014 | 7:55 am
    To all of my readers, supporters, and friends: As of 2014, this blog is no longer active. Thank you for a wonderful 5 years, where I got to share anything and everything that came to mind about money. Ultimately, my life and my priorities changed, and this blog is no longer a part of that. The site will stay online indefinitely as a resource to those of you still making use of the articles posted here. You can also contact me at anytime with questions. With appreciation, WojoFiled under: Administrative
  • Short and Long-Term Financial Planning

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

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

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

    Peter Kulicki
    20 Jun 2014 | 6:08 am
    I don’t have a whole lot of “free” time on my hands lately, but I do one thing every single day that is required and consistent—I commute. Every single day, I’m afforded the gift of 20 minutes each way in my car with no distractions, except those I choose to create for myself by listening to music or talk radio. Over the last 6 months, I changed my approach to this time with one simple tool—podcasts, and I’m spreading the message to as many people as I can. The longer someone’s commute, in fact, the more they stand to gain from leveraging their time in the car. Podcasts, for…
 
  • add this feed to my.Alltop

    MoneyProblems.ca

  • Managing Money in Your Twenties

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

    Moneyproblems Answers
    15 Oct 2014 | 5:00 am
    I was chatting casually with a neighbour recently about how their grandchildren were visiting for the summer and the conversation turned to how proud they were that they were helping teach their grand-kids (one boy and one girl) about debt. A little background as to why this is such an... Read more The post A Not So Simple Lesson About Debt appeared first on MoneyProblems.ca.
  • Consolidating Debt The Smart Way

    Ted Michalos
    8 Oct 2014 | 5:00 am
    One of the money solutions all financial advisors sometimes refer to is debt consolidation.  For those unfamiliar with the term, it means taking out a new loan (or line of credit) that is large enough to pay off all of your existing borrowing.  The reason you might do this is two... Read more The post Consolidating Debt The Smart Way appeared first on MoneyProblems.ca.
  • Curveball Accounts

    Gail Vaz-Oxlade
    1 Oct 2014 | 5:00 am
    It doesn’t matter how committed you are to budgeting, there are times when the unforeseeable waltzes into your life and poops on your carefully made plans. When Suzie Q wrote to me to say she had three months’ worth of emergency money, a car fund, a kids’ fund, a yard... Read more The post Curveball Accounts appeared first on MoneyProblems.ca.
  • Helping Your Parents Deal With Debt Problems

    Ted Michalos
    24 Sep 2014 | 5:00 am
    As recently as ten years ago, this issue seldom came up.  Now, we meet with people every week that need to understand what they can do to deal with their parent’s debt.  In most cases, the adult children that come in to see us have no idea how much their parents... Read more The post Helping Your Parents Deal With Debt Problems appeared first on MoneyProblems.ca.
  • add this feed to my.Alltop

    Financial Samurai

  • How To Overcome Money Guilt

    Financial Samurai
    22 Oct 2014 | 3:48 am
    My parents came to visit me for only three short days recently and I miss them already. One of the reasons why I wanted to leave my stressful job in finance was to spend more time with them. I flew back to Hawaii four times in 2012 and three times in 2013 to visit for two-to-five weeks at a time. But our first meeting of 2014 was in September. Totally my fault. Life seems to always get in the way. Ever since going to college, I’ve longed to make my parents proud. My goal was to do well in school so I could earn enough money to support myself, a family, and them. They took care of me…
  • The Cheapest International City In The World: San Francisco

    Financial Samurai
    19 Oct 2014 | 4:08 am
    Guess the price of this 9,500 sqft, SF home. I have been everywhere, and it is clear to me that San Francisco is one of the cheapest cities in the world based on its wealth creating potential. So many of my friends who live in New York City or around the country like to say that the median rent and home price in San Francisco are our country’s highest. It’s simply not true. Rent and property prices in Manhattan are the highest AND they only get to enjoy the outside for six months a year! Related: East Coast Living: Is It Really That Horrendous? If I had to pay $2,500 a square foot…
  • A Great Way To Save More Money: Visualize Your Broke-Ass Lonely Self

    Financial Samurai
    17 Oct 2014 | 3:48 am
    5Pointz, Long Island City Ever since I was in the 4th grade, I’ve had this mild obsession with staying in shape. There was this girl I liked in gym class that I so wanted to impress, but I already had a gut as a nine year old! So imagine my dread when it was swim season and I had to sit down next to her in only my trunks. I couldn’t wait for the teacher to blow her whistle so I could jump into the pool and exhale. I was always so envious of the bony kids who didn’t have to suck in their guts. I never did get the girl. I blamed genetics and my lack of courage to say,…
  • What Is Venture Debt? An Investment With Higher Yields And A Lower Risk Profile

    Financial Samurai
    15 Oct 2014 | 3:48 am
    Venture Debt vs. Venture Capital Returns One of my favorite investment strategies is the barbell strategy where I invest in lower risk companies or indices to hit singles and doubles while concurrently investing in more speculative companies to hit potential home runs. I’ve structured my after-tax investments to be more low-risk through structured notes, and my pre-tax investments in my rollover IRA, SEP IRA, and Solo 401k to be more high risk. Given my pre-tax investments can’t be touched until 59.5 without penalty, I find it easier to take more risks with such funds.
  • add this feed to my.Alltop

    Automatic Finances

  • Guess What? People Are Generally Happy With Their Banks

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

    Jason Unger
    15 Oct 2014 | 5:32 am
    I’m not that familiar with Simple, the online bank that promises built-in budgeting and savings tools, no unnecessary fees and everything you need to make managing your personal finances “effortless.” Even though it’s affiliated with The Bancorp Bank, where users’ money is actually held, Simple is a startup company — and it’s seen its share of growing pains. TechCrunch has the whole story: Nearly two months after an upgrade to its systems and infrastructure, online banking service Simple is still recovering from a series of glitches that have…
  • Please, Don’t Use a Checking Account With Fees

    Jason Unger
    14 Oct 2014 | 5:30 am
    The Motley Fool published an article last week called “You Can Thank Millenials for Your Checking Account” about the (recent) history of the free checking account. It’s an interesting read if you’re curious about how banks introduced free checking accounts to get new customers, but then got caught up in the fee game (something we’ve derided here plenty) and how millenials – used to managing their money online and on their smartphones – have made checking accounts what they are today. Here’s the main evidence backing up their title: Young people…
  • Are Biometrics the Future of Mobile Payments?

    Jason Unger
    13 Oct 2014 | 5:19 am
    We’ve seen it in every sci-fi movie or spy thriller — using your fingerprint, or eyeball, or some other part of your body to access a restricted area, or login to a computer. It’s always seemed pretty futuristic, and pretty cool. The technology to do all of this, however, absolutely exists today. It just hasn’t been largely available for a mass consumer application. Apple started to get people used to the idea of using their fingerprint to unlock their phone with the iPhone 5s and Touch ID sensor, and more recently with the launch of Apple Pay. In the commercial…
  • A Look at ING, the Global Force That Built ING Direct

    Jason Unger
    3 Oct 2014 | 7:20 am
    Most Americans have heard of global banking behemoth ING, but likely through their innovative and incredibly successful division ING Direct. ING Direct revolutionized the high-yield online savings account, bringing along with it an online banking system that didn’t rely on physical branches and provided low- and no-fee accounts. It’s a model many financial institutions have copied over the years and, during the late 2000s, many banks offered higher interest rates on their online savings accounts than ING. But for many of us savers, there’s always been a special place in our…
 
  • add this feed to my.Alltop

    Personal Finance Blog

  • Small Businesses Also Get Hacked

    Twila VanLeer
    23 Oct 2014 | 9:11 am
    Scott Schrober, CEO of Varitronic Systems,Everyone has heard, read about or seen the multi analyses of the disastrous computer breaches at JP Morgan Chase, Target and Home Depot, but what about the small businesses that have suffered similar (possibly greater when you consider scale) crises? About 44 percent of the small companies in the country have been affected by cyber crime, according to a 2013 survey by the National Small Business Association. The average cost of dealing with the damage was $8,700, the association reported. The small businesses often become part of the damage inflicted…
  • Here’s How The Money Goes!

    Sherry Tingley
    20 Oct 2014 | 6:00 am
    About 61% of Americans do not budget or keep close tabs on their money.How Americans get, spend and save (or don’t save) money was the topic of a 2014 Consumer Financial Literacy Survey conducted by Harris Polling. In the March survey, 2,016 adults were questioned about how they handled money. Budgeting, at the top of the list, seems to be a problem for the majority (61 percent) of Americans. Only 39 percent of those polled say they have a budget and keep close tabs on what they spend. Experts in personal finance consistently argue that the first step toward controlling money is to have and…
  • Be Prepared for 2015 Tax Time

    Twila VanLeer
    19 Oct 2014 | 7:27 am
    Start organizing your finances now for tax season.The annual tax frenzy is months away, but there are things you can do in the interim to prepare for tax season, including possible ways to cut your bill. The obvious place to begin is with a recap of last year’s return. After analyzing the figures, begin to determine where you might make changes for next year. If you expect to make more money this year, for instance, start now to put more into a 401(k) account, contribute to a charity to increase your deduction, or buy tax-deductible items, such as business equipment, before the end of…
  • Debt May Outlive A Student. What Then?

    Twila VanLeer
    18 Oct 2014 | 7:11 am
    Who is responsible for a student’s school loan debt if the pass away?Young people are expected to live long enough to pay off student debt, but it happens sometimes that they don’t. Parents or other survivors may find themselves assuming debt for which they are not prepared. Federal students loans are automatically cancelled upon the death of the recipient, but private lenders are not required to forgive such debt. Seeking relief through bankruptcy is not an option in most cases. Consider the case of a California couple whose daughter died of liver failure before her education debt…
  • Businesses Shore Up Health Campaigns

    Twila VanLeer
    17 Oct 2014 | 6:00 am
    October is the month designated as Breast Cancer Awareness month.They are calling it “shared interest”- combining a well-known health campaign with the interests of companies and organizations who support the cause and stand to share in the attention they create. A notable “for instance.” The city of Chicago has “gone pink,” for October, including lights, banners and flags along its skyline, to help publicize the goals of the annual Breast Cancer Awareness campaign. Those goals include early diagnosis, treatment and research into the devastating woman’s disease. More than 200 of…
  • add this feed to my.Alltop

    Unbiased financial advice from fee-only financial planners

  • 50 Shades of 529’s: What College Plan Dominates?

    Eric J. McClain, CFP®
    21 Oct 2014 | 7:08 am
    Eric’s Note: Tax benefits are specific to Alabama. Originally published at www.mcclainlovejoy.com: http://wp.me/p31Bd2-w9 Does the thought of a $100,000 college bill for one kid leave you feeling out of control? You can use a 529 college savings plan to save and pay for college in a tax preferential way 529  is tax code section which enables states to setup and offer college savings accounts. They come in two flavors–Prepaid Tuition plans, which we generally suggest you  avoid. Ccontributory plans or 529 college savings accounts which operate like a 401k/403b retirement…
  • Very Weak Economy Implies Risk of A New Recession

    Don Martin
    20 Oct 2014 | 4:41 pm
    An economist who is more bearish than me has issued new concerns about the economy. Per Hoisington’s quarterly newsletter U.S. GDP five year growth at 2.2% annualized is 25% below normal because when debt gets to 250%-270% of GDP as of past decade then we lose 25% of the growth rate! Per capita growth was only 0.3% in the first half of 2014. Declining velocity of money caused by bad, unsustainable debt instead of productive debt. Japan not getting better; US, EU, Japan all have a problem of declining velocity of money, etc. In the US real median household income …
  • Anniversary of 1987 Great Crash – How to Prepare for the Next One

    Don Martin
    20 Oct 2014 | 3:25 pm
    Yesterday was the anniversary of the 1987 crash where stocks went down 22% as of the closing price and even more intra-day. This was caused by a panic over remarks by government officials in regards to currency values with the implication that the dollar had gone up too much and needed to come down, thus provoking flight by foreign investors. Currently the dollar has gone up a lot and the Federal Reserve wants to change that so as to increase inflation and decrease unemployment. The crash of 1987 was a statically improbable six standard deviation (SD) (represented by the Greek …
  • Is the Dow Jones Industrial Average Still a Relevant Stock Market Index?

    Roger Wohlner, CFP®
    20 Oct 2014 | 3:01 pm
    The Dow Jones Industrial Average (DJIA) of 30 large stocks has long been arguably the most watched index for those following the stock market.  As I write this IBM a long-time index component reported a major miss in its quarterly earnings. The stock was down some 7% for the day and due to this decline the DJIA was been down most of the day.  The index finished up some 19 points but without the drag of IBM the index would have been up around 100 points according to a commentator on CNBC.  This begs the question is the Dow Jones…
  • The Luck of the Lottery

    Matthew J. Illian, CFP®, AIF®
    18 Oct 2014 | 9:00 pm
    Most forms of gambling are illegal at the federal level. Others are illegal at the state level. The FBI frequently busts participants of cyber casinos and foreign lotteries. In most places, both privately run casinos and lotteries with an entrance fee are also illegal. However, counterparts of both of these operated by the state or Native Americans are just fine. In states with a lottery, over half of its citizens have played. Sadly, a large number of those participants are below the poverty line. Government-run lotteries have a sordid and monopolistic past. In the 1800s, lotteries were…
  • add this feed to my.Alltop

    Budgets Are Sexy

  • Having Enough

    J. Money
    24 Oct 2014 | 2:06 am
    Every few weeks I’ll lean in to my wife and whisper, “If I were to die tomorrow, I’d be a happy man.” It freaks her the hell out (and rightfully so) but it’s a reminder to her, and more importantly to myself, that as of this day in time I have enough. I have enough love. I have enough things. And I (almost) have enough money ;) It’s a pretty powerful thing to realize. When you truly have enough you no longer spend energy or time chasing stuff in hopes they fulfill you. You still desire things like, say, millions of dollars or a 6 pack of beer/abs, but you…
  • Republic Wireless Motorola E Giveaway! (x2)

    J. Money
    22 Oct 2014 | 2:04 am
    What up what up frugal gangsters! My new favorite wireless carrier just released their latest (cheap-as-hell) smart phone, and because they think budgets are sexy too they’re shipping me two to give away to y’all today :) Along with 3 months of free service! (How’s that for frugal?) I know I’ve been mentioning Republic Wireless a lot over the months, but that really is only because I feel like I’ve stumbled across a gem here and I want to make sure y’all know about them too. If you’re happy with your own carrier and/or are annoyed with these updates,…
  • The “Challenge” Savings Account Total: Month #1

    J. Money
    20 Oct 2014 | 2:06 am
    Yo. What’s good y’all? Get into anything juicy over the weekend? We hit up a fair yesterday where Baby Penny and I both slid down the tallest slide we’ve ever seen in our lives. And I won’t tell you which of us was the most frightened ;) But let’s get down to business, shall we… Last we checked on our expense shredding mission (aka Challenge Everything) we had cut down our cable bill by $50/mo bringing our automatic savings every month to roughly $190. Which ain’t too shabby for literally putting in a few hours of work. Here’s what our…
  • “Retiring Early” REALLY Means “Being Financially Free”

    J. Money
    17 Oct 2014 | 2:02 am
    Inevitably any time you mention you’re working on “retiring early” to someone, you’re met with comments like, “that’s not possible,” and “won’t you get bored???” (Gag me) The first one I can understand because, well, it’s hard as $hit to pull off and you have to want it bad enough to accomplish it. The second, however, boggles my mind. You don’t have any interests or desires or goals in life to fill up 40 hours a week? What do you do in your free time? What do you do with your friends? What do you dream about when…
  • That Time We Inherited $3,200

    J. Money
    15 Oct 2014 | 2:02 am
    Getting an inheritance is always bitter sweet. On one hand you’re getting a chunk of money for free for doing nothing at all, and on the other someone has to pass away in order for you to receive it. It’s very much bitter, with a tinge of sweet. Then you have the times when it’s 99% sweet and only 1% bitter – like when you receive a call out of nowhere saying you’ll be receiving some money from someone who died well over 15 years ago – WOW! And to the tune of $3,200! It still stings of course when you’re reminded of that fateful event so long ago, but…
 
  • add this feed to my.Alltop

    Smart On Money

  • 3 Signs You Need Help with Your Debt

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

    Miranda Marquit
    11 Sep 2014 | 10:38 am
    One of the basic pieces of advice that we are often given about money is to save more. But where do you put that money? And what should you do with it? Create Goals for Your Savings While saving money just to save money does make sense in some ways, the reality is that few of us are willing to keep doing something “just because.” As a result, it makes sense to carefully consider your desired outcomes and figure out what you hope to accomplish with the money you are saving. First off, really think about what you hope to have happen with your money. Do you want some of it to go…
  • Why I’d Rather Pay $10,000 to Unload My House Than Become a Landlord

    Miranda Marquit
    4 Aug 2014 | 1:26 pm
    There are people out there who are made to be landlords. They like the idea of having someone else pay the mortgage on a home or apartment building and enjoying the ability to build equity on the property without using their own money. Once the property is paid off, the monthly rent is income (offset by the cost of taxes, insurance, and keeping the property up). I totally get why some people love the idea of getting into real estate and renting out property. I even get why many people who, upon moving, decide that they would rather rent out the old home than sell it. I am not one of those…
  • 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…
  • add this feed to my.Alltop

    Financially Poor

  • Should I Buy This Book? Review: Spend Your Way To Wealth

    Kevin
    23 Oct 2014 | 4:46 am
    I really like this book. The title pretty much sums up the book. It goes over how to save money by getting discounts on pretty much everything. It gives tip on: Coupons Negotiating on everything Traveling Buying a house Shopping Buying a car Shopping on the internet I found it really helpful. My favorite chapter is the last one because it goes over making goals and goes over how saving money takes work. The negative The only thing I really found negative was that the author doesn’t believe in budgets, and equates it to dieting. I can see where he’s coming from but I think that budgets are…
  • The Ultimate Guide To Sharing Your Passion

    Kevin
    21 Oct 2014 | 4:29 am
    A passion is something that you can’t keep hidden. It flows through you like the rivers flowed through the Grand Canyon. It shapes you into the person that you will be, not who you are today. There is only one way to let that river flow through someone else, and that is by sharing your passion and knowledge about it. The most efficient way to do that is through the web. No, not a spider web. The Interwebs = The internet. The most amazing thing in the world that connects everyone together. Can you imagine a more powerful place to share your passion? I know you think it may not be the…
  • The Basics of Debt Management

    Kevin
    19 Oct 2014 | 4:06 am
    Debt management is a buzzword that commonly gets thrown around but what is it really and what does it entail? More importantly, what can you expect to see in a debt management plan and how can you use this to your advantage? Likewise, where do you get proper debt management help if you are at a loss as to how to proceed from your current situation?  Here are a few basics on debt management that are designed to help you understand about securing the right debt management help to help you erase your financial problems.  Debt management is essentially a series of concepts and ideas implemented…
  • Ways to avoid filing bankruptcy – Save yourself from being dragged to the court

    Kevin
    18 Oct 2014 | 11:30 am
    According to recent reports, low interest rates and consumer spending are predicted to continue influencing a decline in bankruptcy filings. As per data from the American Bankruptcy Institute and Epiq Systems Inc, the total bankruptcy filings in the United States of America decreased by 15% in May, 2014 over the same time in 2013. In May, 2014, the total bankruptcy filings totalled to 85,667, which were down from May 2013, a total of 96,497. Consumer filings declined 11% to 82,774 from May 2013 when consumer filings totalled to 92,440. On the other hand, total number of commercial filings in…
  • add this feed to my.Alltop

    Couple Money

  • Want a Happier Marriage? Combine Bank Accounts

    Elle Martinez
    22 Oct 2014 | 2:39 pm
    There are strong feelings on the pros and cons of sharing checking and savings as a couple. The latest episode of the Couple Money Podcast shares some tips on how you can go about on combining your finances and how to start your first budget as a couple (you can listen to it below). For now, though, I want to pitch to you how they can boost your marriage and your finances.  Catch the podcast on iTunes: Simply click on this link and you’ll be taken to Couple Money’s page. Listen on Stitcher: Please click here so you can catch all episodes. Less Hassle with Bills By combining our money…
  • How to Talk About Money Without Starting a Fight

    Elle Martinez
    16 Oct 2014 | 8:56 am
    One of the most helpful things the two of you can do to strengthen your marriage and finances is sit down and be open with one another about your joint and individual finances. Unfortunately many couples allow their fears about how wrong it could go stop them from doing this. This lack of communication can cause huge problems so if you haven’t already, make some time this week to discuss this with your husband or wife. How do you get started? What should you discuss with the first talk? Here are ideas that I believe can help both of you be productive and reduce money arguments. Be…
  • Merging Finances: My Interview with Mint

    Elle Martinez
    14 Oct 2014 | 7:22 pm
    As many readers know, I’ve recommended and used Mint to keep track our net worth on a month basis for a few years. It’s a wonderful and free tool that allows the two of you get all of your accounts organized easily in one spot. They recently asked me to do an interview and I was happy to say yes. The topic was something we cover here – merging finances as a couple. We started off with why couples argue about money and went from there. Here’s a snippet: What are some common reasons couples argue about money? I think one big factor is that couples don’t really…
  • Master Your Network & Survive a Layoff

    Elle Martinez
    11 Oct 2014 | 3:02 pm
    Layoffs can not only wreck your finances, it can also be a huge emotional stress. While most of us cannot stop a layoff from happening, there are steps we can do to minimize its impact and increase our chances of finding more work. That was the case Eric found himself in a few years ago. He found out that layoffs were coming when the his local news announced that his company was being bought.  Being familiar with the business, he knew he needed a plan to find another job. He came on the Couple Money Podcast and took us through his process and how his well maintained network came through for…
  • Our First Money Chat as a Couple

    Elle Martinez
    9 Oct 2014 | 7:30 am
    Last week my husband joined me on the podcast to be ‘interviewed’ about our first time we sat down and talked about money. It’s been eight years since we were engaged and began sharing our finances with one another and so much has changed since then. As you may expect, having to be completely open to someone about how you spend your money was eye-opening and nerve wrecking. I’m happy to say, though, that we both came in with the mind set of being honest and starting on the same page. What We Got Right with Our Money Chat We set up an evening where we could talk…
 
  • add this feed to my.Alltop

    Beating Broke

  • Collections for Freelancers

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

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

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

    MelissaB
    28 Aug 2014 | 7:52 pm
    You likely know Lending Club is a peer-to-peer lending site that offers personal loans to individuals as well as the chance for personal investors to invest by lending money to individuals. Now, however, Lending Club is expanding their services and offering business loans.  This is of particular interest if you own a business. If You’re Looking to Lend Money to a Business If you’re already investing in Lending Club, you may want to lend money to a business as well.  However, ordinary investors cannot yet do that.  “For now. . .the program is limited to institutional…
  • Is It Worthwhile To Still Use Credit Cards with So Many Data Breaches?

    MelissaB
    13 Aug 2014 | 5:51 am
    Just recently, PF Chang’s acknowledged that 33 of their restaurants had suffered a security breach over the last 8 months and that the credit card numbers as well as possibly the customers’ names and the expiration dates of the cards were compromised.  This news should be shocking or surprising.  Unfortunately, data breaches have become common place.  Just consider the recent security breaches at Target, Michael’s, and Neiman Marcus, to name a few. If you’re diligent about shredding your personal information so that it can’t get into the wrong hands,…
  • add this feed to my.Alltop

    MichaelHaltman.com

  • What Chris Christie Doesn’t Understand About the Minimum Wage Problem

    MichaelHaltman
    23 Oct 2014 | 2:15 pm
    The national debate on minimum wage took an interesting turn this week during an event at the Chamber of Commerce where New Jersey Governor Chris Christie was quoted as saying, “I am tired of hearing about the minimum wage.” While Governor Christie may be “tired” of hearing about it, there are far more people who are tired of living on it. Christie went on to remark, ‘You know, honey, if our son or daughter could just make a higher minimum wage, my God, all of our dreams would be realized.’ Is that what parents aspire to?” Yes, it is true that Igor Cornelsen and…
  • Greek Stock Market Loses 9% on Wednesday

    MichaelHaltman
    20 Oct 2014 | 10:19 pm
    With ISIS, Ebola, and the Hong Kong riots taking center stage regarding the latest world news, one event that’s currently being overshadowed is the sharp decline in the Greek stock market. On Wednesday alone, the Greek market lost 9%. In the meantime, the ones taking the biggest of the initial hits are the Greek banks. Brazilian investment in the banks is also prevalent, says industry analyst Gianfrancesco Genoso, though a healthy market uptick in Brazil has mitigated the impact of the drop. The two biggest factors that are pushing the Greek markets into a downward spiral, according to…
  • The Truth About Young Bride Thea is Revealed

    MichaelHaltman
    17 Oct 2014 | 3:18 pm
    Child brides are a problem throughout the world. While this is not allowed in America and there would certainly be arrests made (I’m looking at you, Chris Hanson), there are many countries that do allow very young girls to get married, even if this is against their own wishes. In order to promote awareness and encourage people to donate to the cause, an international aid organization called Plan hatched a scheme that actually worked very well. Plan teamed up with a young bride to write a blog about her thoughts and feelings on her upcoming marriage. The girl, Thea, was 12 years old and…
  • 43 Dead in Yemen Because of Suicide Bomber

    MichaelHaltman
    15 Oct 2014 | 10:38 pm
    Sanaa, the capital city of Yemen, has experienced a horrific bomb attack, which has left 43 people dead. The victims of the attack were Shia rebels who held territory in the centre of the city. This incident was later followed up by a deadly attack on military personnel in an eastern state. This incident appears to be another chapter of the political crisis, which saw the city fall to rebel forces. The crisis arose because the Shia rebels have rejected Khaled Shaheen and others presented by the government to be the new president. This new candidate was meant to bring an end to the violence…
  • Warren Buffett Advocates Looking At Stocks Like A Business

    MichaelHaltman
    8 Oct 2014 | 3:41 pm
    In what’s probably the best advice I’ve ever heard on the subject, Warren Buffett gave CNBC a brilliant quote on investing: If you own your stocks as an investment—just like you’d own an apartment, house or a farm—look at them as a business. If you’re going to try to buy and sell them based on news or something your neighbor tells you, you’re not going to do well. Find a good bunch of businesses and hold them. This is basically what I tell family and friends when they come to me with investment advice. There’s this weird group of people that seem to…
  • add this feed to my.Alltop

    The Economic Peephole

  • What Chris Christie Doesn’t Understand About the Minimum Wage Problem

    MichaelHaltman
    23 Oct 2014 | 2:15 pm
    The national debate on minimum wage took an interesting turn this week during an event at the Chamber of Commerce where New Jersey Governor Chris Christie was quoted as saying, “I am tired of hearing... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Greek Stock Market Loses 9% on Wednesday

    MichaelHaltman
    20 Oct 2014 | 10:19 pm
    With ISIS, Ebola, and the Hong Kong riots taking center stage regarding the latest world news, one event that’s currently being overshadowed is the sharp decline in the Greek stock market. On... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • The Truth About Young Bride Thea is Revealed

    MichaelHaltman
    17 Oct 2014 | 3:18 pm
    Child brides are a problem throughout the world. While this is not allowed in America and there would certainly be arrests made (I’m looking at you, Chris Hanson), there are many countries that... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • 43 Dead in Yemen Because of Suicide Bomber

    MichaelHaltman
    15 Oct 2014 | 10:38 pm
    Sanaa, the capital city of Yemen, has experienced a horrific bomb attack, which has left 43 people dead. The victims of the attack were Shia rebels who held territory in the centre of the city. This... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Warren Buffett Advocates Looking At Stocks Like A Business

    MichaelHaltman
    8 Oct 2014 | 3:41 pm
    In what’s probably the best advice I’ve ever heard on the subject, Warren Buffett gave CNBC a brilliant quote on investing: If you own your stocks as an investment—just like you’d... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
  • add this feed to my.Alltop

    Compare Australian Credit Cards and Offers

  • Bankwest Qantas World MasterCard – Rates and Fees

    Jeremy Cabral
    20 Oct 2014 | 11:15 pm
    Enjoy unique experiences and discounts at premier destinations around the world with the Bankwest Qantas World MasterCard through the World MasterCard Travel Program. The post Bankwest Qantas World MasterCard – Rates and Fees appeared first on Compare Australian Credit Cards and Offers.
  • Virgin Australia Velocity High Flyer Card Review – 20k Bonus Points

    Isaiah James Peralta
    14 Oct 2014 | 1:15 am
    Enjoy 20,000 bonus points and discounts on up to four flights a year when you fly with a friend with the High Flyer Card. The post Virgin Australia Velocity High Flyer Card Review – 20k Bonus Points appeared first on Compare Australian Credit Cards and Offers.
  • American Express Free Flight Destinations

    Jacob Joseph
    18 Sep 2014 | 9:35 pm
    If you're an American Express Platinum Edge or Platinum Reserve Credit Card account holder, you can get one free return domestic flight to and from selected Australian airports every year. Find out where you can fly and some important terms and conditions about the American Express free flights offer here. The post American Express Free Flight Destinations appeared first on Compare Australian Credit Cards and Offers.
  • Comparing the best Australian Frequent Flyer credit cards for international travel

    Jacob Joseph
    18 Sep 2014 | 7:32 pm
    Find a credit that gives you more frequent flyer points when you spend, a card that gives you free travel insurance or a card with no foreign transaction fees. Find the best credit card to take on your international trip. The post Comparing the best Australian Frequent Flyer credit cards for international travel appeared first on Compare Australian Credit Cards and Offers.
  • Are frequent flyer credit cards worth it? Find out whether the frequent flyer credit card is best for you

    Jacob Joseph
    14 Sep 2014 | 9:16 pm
    What every frequent flyer credit card holder wish they knew before the applied, our guide will give you the tools and information to make an informed comparison of frequent flyer credit cards. The post Are frequent flyer credit cards worth it? Find out whether the frequent flyer credit card is best for you appeared first on Compare Australian Credit Cards and Offers.
  • add this feed to my.Alltop

    Good Financial Cents

  • The Simple Way to Find Out How Much Investing Risk You Can Stomach

    Jeff Rose
    15 Oct 2014 | 1:26 pm
    Risk is everywhere. All I have to do is turn on the news to be reminded of that. I think it’s easy to go about our day-to-day lives and forget that bad things can happen – until suddenly they do. Speeding down the highway. Smoking cigarettes (or anything else). Driving after one too many drinks. All of these are examples of risky behavior. Could you do it and be fine? Maybe. But each of these behaviors carries an element of risk of harm to yourself and others. The sad truth is that risky behavior sometimes ends in tragedies – some worse than others. And sometimes, we don’t…
  • Grow Your Dough Throwdown – It’s Almost Done! (October Update)

    Jeff Rose
    9 Oct 2014 | 12:48 pm
    The Grow Your Dough Throwdown is almost over (sigh). It’s been a fun challenge, and it’s been exciting to see how my different portfolios have held up. **You can check out the original announcement post here. And here is the March update, May update, and the Midyear update. What hasn’t been exciting is seeing the other personal finance bloggers that are kicking my butt. Like, serious butt kicking. Either way, it’s been fun, and I’m looking forward to announcing that the Grow Your Dough Throwdown 2.0 will be happening next year. This one should be bigger and better, and I can’t…
  • GF¢ 040: Everything You Need to Know About Your Credit (that you probably don’t)

    Jeff Rose
    6 Oct 2014 | 7:01 pm
    As a Certified Financial Planner, I know a lot about financial planning issues, but there’s one thing that I didn’t realize I didn’t know much about and that thing is credit. Several years ago, I went on a bold quest to find what my true credit score was and in doing so, I quickly learned that there are many different types of credit scores.  You can see that quest here. That’s when I realized that there were a lot of things about credit that I didn’t know. I was determined to find out, so I did a lot of research so that I understood how credit works especially since I devoted…
  • GF¢ 039: Reader Question: What is The Best Thing to Do With an Old 403(b)?

    Jeff Rose
    1 Oct 2014 | 9:17 am
    Well, whether you need PROFESSIONAL professional help is up for debate, but when it comes to your finances, don’t rely on Google. You need someone who knows what they’re doing.   Consider this example: I am 45 years old with 3 young children.   My biggest concern is that in about 10-12 years, they will be going to college.  I have a good job and currently make $75,000 per year.   I don’t have college savings plans set up for them at the moment.  I’m considering opening a Roth IRA and maxing it out every year so they use it for college.   I also have…
  • The Ultimate Roth IRA Conversion Guide – Everything You Need to Know

    Jeff Rose
    29 Sep 2014 | 1:42 pm
    I love the Roth IRA.   If I could wrap them up and give them away as birthday gifts, I would probably do it. Scratch that.  I would definitely do it! As much as I love the Roth IRAs, you would think that I would be all about converting your traditional IRAs and old 401(k)s to them, right? Well, kinda. Unfortunately, doing a Roth IRA conversion is not a total black and white decision.  In fact, there are have been several instances where I suggested that clients don’t do a Roth IRA conversion. To better understand if a Roth IRA conversion is best for you, we have to understand the…
  • add this feed to my.Alltop

    One Family's Blog

  • Tracking Ken Fisher's Fisher Asset Management Portfolio - Q3 2014 Update

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

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

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

    ks
    13 Oct 2014 | 1:33 am
    Below is a spreadsheet that highlights the changes to Tweedy Browne's portfolio this quarter.  Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about Tweedy Browne and its legendary investor Christopher H. Browne's (1946-2009) investing philosophy, check-out his book "The Little Book of Value Investing". To learn more about how to profit from a [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Dan Loeb's Third Point Portfolio - Q2 2014 Update

    ks
    13 Oct 2014 | 1:15 am
    Below is a spreadsheet that highlights the changes to Dan Loeb's Third Point Portfolio this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To know more about Dan Loeb's Third Point, check-out his letters to shareholders at their site. His activist investing style that is epitomized by scathing letters to CEOs is covered in "Chapter 7: The Poison Pen: Dan [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
  • add this feed to my.Alltop

    Cash The Checks

  • 4 Ways To Save On Homeowners Insurance

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

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

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

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

    Edwin C.
    31 Aug 2014 | 2:53 pm
    Garage sales are a great way to clear out clutter and make a little extra money during the process. For shoppers, finding great bargains and haggling can make for an exciting weekend morning. Garage sales held in the spring and summer months tend to do very well and with all of the free advertising options available, it’s easier than ever to have a successful garage sale. However, getting customers to your sale is only half the battle, you’ll also need to know how to price your items. Read on for 5 great tips to help you price your items correctly and have a successful garage sale. The…
  • add this feed to my.Alltop

    AuctionWally.com

  • Ebola Economics – The Panic is Worse than the Disease

    walt kolenda
    22 Oct 2014 | 7:32 am
    From my Desk When I went to auctioneer’s school to get my license they said: “you will see it all, so be prepared for anything and everything!” I never realized that a disease could  have an economic impact on the antiques & auction world, but apparently, that is possible. What to do? Let’s look at what is happening,  what we have control off, what we don’t, and what we can do about what we do have control of. Ebola Economics What’s happening?: Right now a lot of people are going into panic mode, they are not spending because they fear some type of…
  • Coca-Cola Machine 1957 Vendo Coke Appraisal

    walt kolenda
    21 Oct 2014 | 3:22 pm
    1957 Rare Vendo Coca-Cola Vending Machine 1957 Vendo Coke Machine tag 1957 Vendo Coke Coca-Cola Machine Appraisal Carol asks: This is a 1957 Coke vending machine in good working condition.  It is the original paint and is all in tact. If you have any questions please let me know. Auctionwally says: Carol, you’re 1957 Vendo Coca Cola machine is an iconic American classic. This was once a staple at gas stations and arcades across the United States. It’s been said that the formula to coca-cola was so prized a secret, that only two people in the company had access to it at any given…
  • Beatles Rubber Soul Mirror Appraisal

    walt kolenda
    20 Sep 2014 | 6:20 am
    Charles asks: Please appraise my Beatles Rubber Soul Mirror I’ve had this mirror for over 35 years, its the only one in existence, at least I’ve never been able to find another, it was the only one available at the store where i bought it.  in one of the photos you can see the reflections of other art, showing it to be actually a mirror with the images of the Beatles imposed over the mirror….it’s size is approximately.  20″x30″ AW says: That’s known as the Beatles Rubber Soul Promo Mirror. They are out there, and your’s is pretty uncommon,…
  • D-X Gasoline Rare Advertising Display

    walt kolenda
    2 Sep 2014 | 6:49 pm
    Mike asks: Hi, I just paid for an online appraisal. I would like your opinion on the value of this DX  gasoline display that I found in a storage area in my shop. There is a tiny 1-54 on the Railway Express Agency label on the upper right corner which I am assuming to be January 1954. According to the address label, this was sent to the D-X Super Service. From the research I have done on my shop, it was known as Super D-X Service from 1950 to 1960. I have searched eBay, Google, and Bing off and on the last four years trying to find out a value on this item without any luck. Figured I would…
  • John Deere Vintage Banner Appraisal

    walt kolenda
    19 Aug 2014 | 12:43 pm
    I am trying to find out what this vinyl John Deere Tractor banner is worth.  It is brand new out of the box and the box was postmarked 1960 or 1961. PERFECT CONDITION JOHN DEERE Vintage Banner AW says: This has several things going for it. First the market loves vintage items in brand new condition, second, John Deere is an American icon and the tractor is JDs signature  product, and next, advertising items are hot right now. If it were a sign, that would be even better, especially a metal or enamel over metal sign, but this is the next best thing. Retail value: $250-$350 Wholesale:…
  • add this feed to my.Alltop

    Financial Highway

  • 5 Tips for Improving Your Credit After Making a Big Mistake

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

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

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

    Guest
    22 Sep 2014 | 3:00 am
    No matter what your background, making a great income, saving money, and managing personal finance are important. With this in mind, we’ve discovered seven websites that can help you become an even more effective money manager. Some are brand new, while others have been newly designed. Here they are, in no particular order. The Minimalists Prepare to be amazed. These two guys have pared down their possessions, live the way they want to live, and are completely unencumbered by extra stuff. Buying things you don’t need, paying to store and maintain them, and going into debt just to impress…
  • 10 Great Ways to Be Generous on a Budget

    Myscha Theriault
    25 Aug 2014 | 4:04 am
    Love to be generous with your friends and family? Tired of having the gift giving and “chipping in” budget be out of control when you are scrimping and saving in every other area? It can be hard to have finally carved out the time and money to go have a little fun and have the “call” come in. Following are some ideas to continue the tradition of generosity that don’t necessarily involve cash or driving your budget into the ditch. Find a great unlimited calling plan and a super communications package in general. There are plenty of land line calling plans out there that offer…
 
  • add this feed to my.Alltop

    Credit.com

  • It’s Alive! Criminals Are Creating New Identities From Bits & Pieces of Yours

    Bob Sullivan
    23 Oct 2014 | 9:01 pm
    Digital criminals inventing and exploiting identities out of thin air, rather than impersonating real consumers, are a fast-growing menace, according to a new report from fraud-fighting firm ID Analytics. This relatively new form of identity fraud, called synthetic identity fraud, involves criminals using random Social Security numbers, mismatched names and birthdays, and other personal characteristics that they slowly nurture into full-blown identities that can be used to obtain credit cards, cellphones and more. Fraud rates for this kind of crime are up more than 100% since 2010, ID…
  • 4 Credit Cards That Offer Rewards in Time for the Holidays

    Jason Steele
    23 Oct 2014 | 9:01 pm
    Rewards credit card users are accustomed to playing the long game. It can take some time to find the best card, receive it, and earn the points or miles needed. And in many cases, award travel must be planned many months in advance in order to find scare award seats or free hotel nights during peak periods. So where does this leave credit card users who hope to earn rewards quickly, and in time for the holidays? Thankfully, there are still some offers available that can pay off well before the end of the year. Before you apply for a credit card, there are two important things to consider:…
  • One Political Mailer Speaks Volumes on Lack of Data Security Knowledge

    Adam Levin
    23 Oct 2014 | 9:01 pm
    Did you hear the one about the Kentucky GOP candidate who asked his attorney general to investigate the state Democratic Party for allegedly sending out the Republican’s Social Security number and more personal information to thousands of constituents? Sorry to say, there’s no punch line here, because according to recent reports, it actually happened. Introducing Jeff Jobe. He’s running against one Johnny Bell, the incumbent Democrat representative of District 23 in Kentucky’s House of Representatives. It’s a local race with a mean streak in which a fair amount of time and money has…
  • 3 Money Mistakes That Can Torpedo Your Marriage

    Gerri Detweiler
    23 Oct 2014 | 9:01 pm
    As if discovering the love of your life is messier than you thought, doesn’t really love jazz or is chronically late weren’t enough, couples also have to find ways to deal with differing financial habits — from the merely annoying (sending dollar bills through the laundry) to the serious (hiding debt). The good news is more couples are getting a running start at understanding how the other person deals with money. Money coach and author Gail Perry-Mason said that when she was younger, people wanted to know what a potential partner’s astrological sign was, not what…
  • Are You Dealing With a Real Debt Collector?

    Bob Sullivan
    23 Oct 2014 | 9:01 pm
    Some less-than-above-board debt collectors deploy a number of unsavory tactics while trying to persuade consumers to give them money, but none worse than this: trying to collect on debts that just don’t exist. It happens, often. Sometimes, bad records are to blame. Debt notes are often sold, re-sold and re-sold again, and during that game of telephone, something gets lost in the translation and a consumer gets unnecessarily harassed. But that’s not what we’re talking about today. We’re talking about outright fraud. An aggressive collector calls a person and simply…
  • add this feed to my.Alltop

    StepChange MoneyAware

  • Students – get top marks on your energy bills

    Rachel
    23 Oct 2014 | 9:02 am
    Don’t let your energy supplier put a freeze on your budget! Things can seem in a constant state of go-go-go when you’re at uni – getting to grips with the food shop, deciding which club to go to, cramming before a big exam, drawing up rotas so everyone in the house knows when it’s their turn to do the dishes…the list goes on! What many students may not know, though, is how much money they can save should they switch energy suppliers. They tend to believe that they’re lumbered with the same supplier they had when they first moved into their rented property, but this just…
  • Have you bought anything from a rent-to-own store?

    StepChange MoneyAware
    16 Oct 2014 | 1:57 am
    Take part in our rent-to-own survey We all know that sinking feeling that comes when the fridge-freezer stops working, the washing machine suddenly springs a leak or the mattress starts to sag so much that you can feel the bedsprings. It can be hard to find the money to replace large household items, particularly if it’s an expense you weren’t planning for. Many families now use rent-to-own stores to buy their domestic goods. This is where customers pay for things like furniture and electronics on a weekly instalment basis. You might recognise some of the shops from your local high…
  • Skint Dad’s tips for a cracking Bonfire Night

    Skint Dad
    16 Oct 2014 | 1:25 am
    One person who knows how to have fun on the cheap is Ricky Willis aka Skint Dad – Recently we invited him to share his tips for a thrifty and fun Bonfire Night…take it away, Ricky! Don’t let your money go up in flames! With Bonfire Night only a few weeks away my kids are already talking about Catherine wheels, sparklers and Guy Fawkes himself. I must admit there’s something magical about seeing thousands of different coloured sparks rain down from the pitch black sky, and hearing the far-off booms and shrieks of distant rockets. What better excuse to get wrapped up in your winter…
  • 9 thrifty tips for your next job interview

    Penny
    16 Oct 2014 | 1:23 am
    Our blogger pal Penny Golightly has learned many a useful tip while living well for less. Today she wants to share some advice on how to handle the dreaded job interview. Over to you, Penny! First impressions are everything If you have money worries, getting a new job can be a great help. But how do you smarten up for that all-important interview if you’re on a very tight budget? In addition to looking at how to get some dapper threads on the cheap, we’ll look at some interview hacks that cost nothing but can prove priceless when landing you that job! 1. Do your homework Let’s be…
  • 10 money mistakes we hear every day and how to avoid them

    Laura
    15 Oct 2014 | 2:52 am
    10 common money mistakes we see every day I’ve yet to meet someone who hasn’t made a mistake with money at some point in their life. Whether it’s forgetting to cancel a direct debit or paying more than necessary for something, these sneaky slip-ups can happen to the best of us. At StepChange Debt Charity, we speak to thousands of people about debt every day through our Helpline, web chat, or online. Although no two stories are the same, there are some situations we see cropping up again and again. Our Need to Sleep campaign highlighted that there are over 7.4m people in the UK…
  • add this feed to my.Alltop

    Free Money Wisdom

  • Top 5 Reasons Your Business Needs a CRM system

    Jon the Saver
    22 Oct 2014 | 7:46 pm
    Top 5 Reasons Your Business Needs a CRM System A customer relationship management (CRM) system isn’t just for big businesses. Every business, large and small, needs a quality CRM system to stay competitive. After all, managing your customer relationships successfully affects the success of your business, both now and in the future. If you’re still trying to decide if you should make the investment, here’s a look at the top five reasons your business needs to invest in a quality CRM system. Reason #1 – Keep Your Business Organization One of the primary uses for a CRM system in business…
  • How to Build An Empire From a Smart Phone

    Jon the Saver
    18 Oct 2014 | 7:42 pm
    How to Build an Empire from a Smart Phone Advances in technology have worked wonders for business flexibility. One of the greatest additions to the business world as far as technology goes is the smart phone. This simple yet power tool gives business owners and employees the power to work from virtually anywhere. We no longer live in a world of flip phones and long distance commutes, with a smart phone your office is in the palm of your hand. If you’re tired of hauling around a computer or it’s just not feasible to have it with you at all times, a smart phone is a great place to build…
  • What does the bible say about money?

    Jon the Saver
    14 Oct 2014 | 10:40 am
    Just What Does the Bible Say About Money? People have differing opinions about what the Bible says about money. Some say it says money is evil and others claim it says God wants His followers to be wealthy. Neither is quite true. Often, people have these opinions based in misquoted or misinterpreted verses. This results in people thinking of the Bible and money being like oil and water and do not mix. The Bible has a lot to say about money, both good and bad. In 1 Timothy 6:10, it says “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered…
  • Your Small Business Plan: Before You Write It, Read This

    Jon the Saver
    22 Aug 2014 | 2:38 pm
    As a small business entrepreneur, you’re very possibly in possession of something very valuable – a great idea. To make the most of that idea, you need to be able to communicate it crisply to potential investors, clients and employees. This is where a knockout business plan comes into play. Once you have one, you have the road map for your business laid out in front of you. You can clearly show anyone who is interested what your company is all about, your plans for the future and how you plan to grow revenues. With this in mind, our infographic below will help you put together a great…
  • Understand Credit Repair So You Won’t Be Cheated

    Jon the Saver
    8 Aug 2014 | 2:55 pm
    There are many credit repair companions today claiming eternal protection from bankruptcies, judgments, liens, and bad loans from your credit file. They even assert the dubious erasure of bad credit from one’s finances. But don’t you be fooled by these claims! More often than not, they are mere sickly sweet promises that ensnare the unknowing naive clients in traps of money scams. To avoid the trouble of falling victim to abusive and illegitimate credit repair companies, know the semantics and pragmatics of credit repair systems. You certainly do not want to be the one to go home…
 
  • add this feed to my.Alltop

    Help Me To Save

  • How to Get into the Property Market

    Karen Bryan
    23 Oct 2014 | 11:04 pm
    With interest rates of less than 2% on some mortgages, this could be a good time to get into the property market. Buying a home could save you money in the long term compared to paying rent for the rest of you life. But apart from finding the lowest rate of interest, how do you […]How to Get into the Property MarketHow to save money. Copyrighted content published on Help Me To Save.
  • National Counties Pays Fixed Rate of 1.9% on 8 Month Bond

    Karen Bryan
    22 Oct 2014 | 7:04 am
    The National Counties Building Society is offering a fixed rate of 1.9% on its 53rd Issue Savings Bond on a minimum deposit of £10,000. The current top paying 12 month fixed rate account, from BM Savings, pays a lower rate of 1.85%. With the September 2014 rate of inflation (CPI) at 1.2%, basic rate taxpayers […]National Counties Pays Fixed Rate of 1.9% on 8 Month BondHow to save money. Copyrighted content published on Help Me To Save.
  • Is the Purpose of a Pension Changing?

    Karen Bryan
    21 Oct 2014 | 11:13 pm
    The slew of recent changes to pensions in the UK has left me wondering if a pension is changing from being an income in later life into a general savings vehicle. A pension pot now seems to be something which you either pass onto your family upon your death and/or help your kids or grandchildren […]Is the Purpose of a Pension Changing?How to save money. Copyrighted content published on Help Me To Save.
  • 10 Tips for Safer Online Banking

    Karen Bryan
    19 Oct 2014 | 11:00 pm
    I often read all sorts of banking scams and tricks that try to relieve you of your cash. While some of these attempts are more obvious, e.g. receiving an email asking to download and complete a form with your details, others are pretty sophisticated. In fact, the last time that I had a phone call […]10 Tips for Safer Online BankingHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #96

    Karen Bryan
    17 Oct 2014 | 11:20 pm
    Signup for free umoneybook account Free web based software to analyze and boost your finances The My Money Podcast #96 covers the recent articles below. listen to ‘My Money Podcast #96’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Nationwide Drops Rate of Loyalty Saver -  The rate […]My Money Podcast #96How to save money. Copyrighted content published on Help Me To Save.
  • add this feed to my.Alltop

    NerdWallet Credit Card Blog

  • Why Starbucks Coffee Fans May Pave the Way for Mobile Payments

    Virginia C. McGuire
    24 Oct 2014 | 1:00 am
    While Apple and Google duke it out for control of the mobile payments space, individual retailers are experimenting with offering branded versions of their own. Smartphone apps that let customers pay with their credit or debit accounts are catching on at Starbucks cafes, in particular, and are also being used at Subway sandwich shops, convenience stores and fast-food restaurants. Starbucks is among the superstars, with a mobile app that has won wide customer acceptance. In the last 18 months, the number of in-store transactions has doubled to 6 million a week in the U.S., accounting for 15%…
  • 3 Ways to Improve Your Credit — When You Can’t Cut Your Debt

    Lindsay Konsko
    23 Oct 2014 | 6:06 pm
    Paying off credit card debt is a smart move. Not only will it save you big bucks in finance charges, killing your balance should also give your FICO score a boost. Since 30% of your score is heavily influenced by your credit utilization ratio, bringing down the amount you owe will be a boon. But paying off debt means devoting extra cash to your card every month. If you’re not in a position to do this right now, you can still take steps to improve your score. Here are a few ideas: 1. Start paying your bills on time Paying your bills on time is the first and most important thing you should…
  • Women and Credit Through the Decades: The ’00s

    Erin El Issa
    23 Oct 2014 | 10:25 am
    Throughout October, we’ll look at the financial progress women in the United States have made since the Equal Credit Opportunity Act was passed, decade by decade. This installment — the fourth of five — highlights the progress of the 2000s, the decade when the Lilly Ledbetter Fair Pay Act was passed. Women and finance: Lilly Ledbetter Fair Pay Act The first bill President Barack Obama signed into law was the Lilly Ledbetter Fair Pay Act in 2009. The law restored the protection against pay discrimination for women, which was previously taken away in Ledbetter vs. Goodyear Tire &…
  • Change a Credit Card Billing Due Date? 3 Reasons to Try It

    Lindsay Konsko
    23 Oct 2014 | 9:00 am
    It’s no secret that credit card issuers have become much more flexible with customers’ billing due dates in recent years. These days, when you receive a new card, you’ll likely be asked to select a day of the month that works for you. If not, making this change is usually as easy as putting in a quick call to your issuer. But you might be wondering: Why would someone want to change a credit card billing due date? Here are three good reasons: 1. It doesn’t coincide with your pay dates Putting most of your expenses on your credit card to earn maximum rewards is a smart idea, but…
  • ATM Innovations Help Banks Keep Customers Coming Back

    Anna Helhoski
    23 Oct 2014 | 7:44 am
    Cash machines are about to become a whole lot smarter. Manufacturers such as Diebold are leveraging technology to appeal to consumers who demand a more advanced digital experience and better on-the-go access. But as nonbank networks of automated teller machines (ATMs) sprout new features, financial institutions are responding with additional functions of their own as a way to keep you coming back. The second most common way of interacting with a financial institution – after visiting a branch – is using an ATM, according to a 2014 Federal Reserve study. As mobile apps and online links…
  • add this feed to my.Alltop

    Card Hub

  • Co-Branded Credit Cards: Everything Merchants & Consumers Need to Know

    Debra Wei
    21 Oct 2014 | 9:00 pm
    Co-branded credit cards have become increasingly prevalent in the credit market in recent years. In fact, many large corporations are now offering these handy pieces of plastic, promoting cards such as the SaksFirst Platinum MasterCard, the Barnes & Noble MasterCard and the Amtrak Guest Rewards MasterCard. Co-branded credit cards, as the name suggests, are the product of a mutual partnership between a particular merchant and a credit card issuer. Together, they work to create a credit card that bears the merchant’s name and provides merchant-specific benefits to brand-loyal consumers.
  • All You Need to Know About Apple Pay

    John Kiernan
    19 Oct 2014 | 1:58 pm
    The latest innovation out of Cupertino, California is here: Apple Pay. Apple Pay is the technology giant’s entrant into the emerging world of virtual wallets and is now available on the iPhone 6, iPhone 6 Plus, iPad Air 2, iPad mini 3 as well as the forthcoming Apple Watch. With it, users can enter their credit card information into their devices or iTunes accounts and then use the devices to securely make purchases either online or at the point of sale. As things currently stand, Apple Pay is accepted at 220,000 brick-and-mortar stores across the United States, including locations of…
  • The Best Way to Pay Off Debt: Which Debt to Pay First & More

    John Kiernan
    16 Oct 2014 | 12:53 pm
    It’s common for indebted consumers to hold multiple balances with various creditors. In such a situation, it’s fair to wonder which debt you should prioritize. Here are the basic steps that you should follow: Stop the Bleeding: This step is crucial, as it includes two important components. First, it’s important to curtail all unnecessary spending in order to devote as much financial firepower as possible to your debt situation. Second, you need to get caught up on minimum payments in order to mitigate the credit score damage that comes with being classified as delinquent. Attempt to…
  • Placing Fraud Alerts On Your Credit Report: When and How To Do It

    Debra Wei
    14 Oct 2014 | 2:52 pm
    Identity theft has become increasingly common – but so have preventive measures. Although there are various methods to choose from, one of the most effective ways to go about protecting yourself is to take advantage of a fraud alert. Fraud alerts are messages you can add to your credit report from each major credit bureau (Equifax, Experian and TransUnion) indicating that you believe you may be a potential victim of identity theft. Therefore, when people (such as potential creditors, renters or anyone who needs to pull your credit) view your credit report, they will be notified that further…
  • Prepaid Cards Create Confusion in the Checkout Lane

    John Kiernan
    13 Oct 2014 | 12:00 pm
    The rise of prepaid cards has been well-documented.  The fastest growing form of electronic payment from 2006 to 2009, according to the Federal Reserve, prepaid cards truly burst into the mainstream after the Durbin Amendment to the Wall Street Reform and Consumer Protection Act decreased debit card interchange fees and thereby reduced the profitability of traditional checking accounts.  And while prepaid cards have proven apt to serve a number of important functions – from financial literacy teaching tool to replacement checking account – the combination of their newfound popularity…
 
  • add this feed to my.Alltop

    Forex Research Blog

  • GBPJPY: Strengthens, Eyes Further Upside

    FXTechstrategy Team
    23 Oct 2014 | 5:08 am
    GBPJPY – With GBPJPY taking back some of its intraday losses on Wednesday and strengthening during Thursday trading today, further upside pressure is expected. On the upside, resistance lies at the 173.50 level followed by the 174.00 level where a break will aim at the 175.00 level. A cut through here will aim at the 175.50 level. On the downside, support comes in at the 171.00 level where a violation will aim at the 170.00 level. A break below here will target the 169.50 level followed by the 169.00 level. Further down, support lies at the 168.50 level. All in all, the cross remains biased…
  • Special Focus On EURUSD

    FXTechstrategy Team
    22 Oct 2014 | 8:56 am
    EURUSD: Risk Turns Lower, Extends Weakness EURUSD: With EUR turning lower on Tuesday and following through lower on Wednesday, further bearishness is now envisaged. On the other hand, support lies at the 1.2600 level where a break will expose the 1.2550 level. Below here will pave the way for a move lower towards the 1.2500 level. If this continues, expect further downside to occur towards the 1.2450 level. On the upside, resistance lies at the 1.2733 level where a break will aim at the 1.2800 level, its psycho level followed by the 1.2850 level. Further out, resistance comes in at the 1.2900…
  • AUDUSD: Faces Consolidation Risk

    FXTechstrategy Team
    21 Oct 2014 | 5:02 am
    AUDUSD: We continue to maintain our consolidation view on the pair as it faces price hesitation. It remains trapped in a range. On the upside, resistance resides at the 0.8840 level where a breach will aim at the 0.8900 level. Above that level will set the stage for a run at the 0.8950 level with a cut through here resuming its broader uptrend towards the 0.9000 level. On the downside, support lies at the 0.8750 level. A cut through here will turn attention to the 0.8700 level and then the 0.8650 level where a violation will set the stage for a retarget of the 0.8600 level. UNPARALLELED…
  • USDJPY: Hesitates Ahead Of The 107.52 Level.

    FXTechstrategy Team
    20 Oct 2014 | 5:19 am
    USDJPY: Trouble is now looming ahead of the 107.52 level as USDJPY is now facing bear threat. If it closes lower on a negative candle, it would have ended its recovery and turned risk lower. On the downside, support comes in at the 106.00 level where a break if seen will aim at the 105.50.00 level. A break if it occurs will aim at the 106.00 followed by the 105.00. Conversely, resistance resides at the 107.50 level where a break will target the 108.00 level. Further out, resistance comes in at the 108.50 level where a violation will aim at the 109.00 level. On the whole, USDJPY remains…
  • EURUSD: Faces Further Upside Risk

    FXTechstrategy Team
    19 Oct 2014 | 5:43 am
    EURUSD: Faces Further Upside Risk EURUSD: With a second week of recovery higher occurring the past week, further bullishness is envisaged. On the upside, resistance lies at the 1.2886 level where a break will aim at the 1.2950 level, its psycho level followed by the 1.3050 level. Further out, resistance comes in at the 1.3150 level. Its daily RSI is bullish and pointing higher supporting this view. Support lies at the 1.2700 level where a break will expose the 1.2650 level. Below here will pave the way for a move lower towards the 1.2600 level. If this continues, expect further downside to…
  • add this feed to my.Alltop

    CreditDonkey

  • 10 Ways to Finally Avoid Overspending

    23 Oct 2014 | 12:00 am
    We’re all creatures of habit. Many of these patterns develop subconsciously, making them even harder to kick. Maybe you’re the type of person who always splurges on purchases after a bad day. Or maybe you can never resist picking up that bar of chocolate from the checkout line. Every single time.
  • 23 Reasons Why You Should Study Abroad

    22 Oct 2014 | 12:00 am
    While leaving the familiarity of the U.S. might seem daunting at first, an increasing number of college students are studying a semester or two abroad before they graduate. There are many benefits to this experience, which, just a couple of decades ago, was deemed more for the eclectic and adventurous than the primarily studious.
  • 7 Credit Card Mistakes Even the Rich Make

    21 Oct 2014 | 12:00 am
    You might think that just because somebody is rich, they make all the right decisions. Not so. In fact, the rich can be vulnerable to financial flubs too. Maybe it’s the cavalier attitude that they can afford mistakes. Or it’s an assumption that only people who live paycheck to paycheck have to pay attention to the details.
  • What to Buy in November

    20 Oct 2014 | 12:00 am
    Black Friday is just around the corner, but smart consumers can find the best deals on some products before the biggest shopping day of the year hits. Read on to see what to buy in the beginning weeks of November — an overlooked time for shopping deals — and what purchases should wait.
  • 23 Ways Retailers Trick You to Spend More Money

    19 Oct 2014 | 12:00 am
    Why do we constantly overspend? Read on to learn how retailers are plotting to outwit us.
  • add this feed to my.Alltop

    Rhonda Sherwood

  • If there is No Mandatory Retirement, Why Stop Working?

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

    Rhonda Sherwood
    14 Oct 2014 | 4:55 pm
    Canadian divorce rates for most age groups are on the decline with the exception of Baby Boomers (people born between 1946-1964). People over the age of 50 are calling it quits at a higher rate than younger people, leading to a trend which is being called “grey divorce”. While the reasons for ending the marriage (especially after several decades together) may include longer life expectancies, one major factor is that being divorced is no longer seen as a one-way ticket to financial hardship. Financial Decisions in Grey Divorce Going through a divorce is a major life change and even the…
  • You Can Retire on Less Money (and Make it Work for You)

    Rhonda Sherwood
    6 Oct 2014 | 1:52 pm
    Saving for financial goals, including retirement, is a challenge for most people these days. Retirement is often left on the back burner until later in life when it may be too late to save the full amount you think you need. Rather than putting off your retirement or continuing to work, consider downsizing your lifestyle and overall expenses so that you can retire on less money. Figure Out How to Downsize your Life While you may love your house, do you need to continue living in a large home? Once your children are gone and you and possibly your spouse are left, it probably doesn’t make…
  • 5 Stages of Long Term Care You Need to Plan for in Retirement

    Rhonda Sherwood
    29 Sep 2014 | 3:30 pm
    When you think about retirement, how do you picture spending your days? It’s only natural to focus on taking time to rest after many years of hard work. If you are currently in good health, it can be difficult to picture the situation changing. In some cases, the changes to your health will be relatively minor ones. In other situations, you or a loved one will be faced with living with a chronic illness or the sudden trauma of an accident. Since Canadians can now look forward to living longer in retirement than previous generations, all of us need to be aware of the 5 stages of long term…
  • Planning for the Worst: Financially Surviving Life-threatening Illness

    Rhonda Sherwood
    22 Sep 2014 | 2:10 pm
    You’ve been busy planning for retirement, and you’re thinking that 65 seems doable but 60 would be even better. The house is paid off, the kids have finally moved out, and mom and dad are happily cared for in a retirement home. Retirement is looking good. You followed your financial advisor’s advice to be debt-free as soon as possible and then redirected those mortgage payments toward your retirement savings. With even moderate growth and with your pension income you will have the necessary cash flow to fund your basic expenses and lifestyle costs when you are 60. You are only 48 years…
 
  • add this feed to my.Alltop

    Recent Blog Posts

  • Eliminating Checking and Savings Account Debt in Bankruptcy

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

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

    29 Aug 2014 | 7:09 am
    To start it helps to understand the purpose behind statutes of limitations. They are policy decisions by state legislatures intended to limit how long a person or business can pursue someone in court on certain kinds of legal claim before the evidence for that type of claim tends to deteriorate or disappear. When a person fails to pay a debt, that's considered a "breach of contract." That breach of contract gives the creditor a "claim" or "cause of action"—a legal reason to file a lawsuit against the person. Different states have different lengths of…
  • Refinancing Your Mortgage After Bankruptcy

    15 Aug 2014 | 9:02 pm
    REFINANCING YOUR MORTGAGE AFTER FILING BANKRUPTCY Contrary to a common misunderstanding, filing bankruptcy can often improve your credit record instead of harm it. This is true for a number of reasons but mostly because while having excessive debt drags down a credit record, legally eliminating all your debt or greatly reducing its amount tends to improve your credit score. This may happen quite quickly or may take some time. With an improved credit score, one of your wisest financial moves after bankruptcy is to refinance your home mortgage. But this may be harder to accomplish than your new…
  • Reaffirming a Mortgage in California -What Are the Advantages and Disadvantages

    31 Jul 2014 | 11:49 am
    A couple months ago I discussed why My Mortgage Company Is Not Sending Me Statements After Bankruptcy, and why My Credit Report Does Not Show Mortgage Payments After Bankruptcy. Both of these situations are related to the reality that in most Chapter 7 "straight bankruptcy" cases, your mortgage will not be "reaffirmed." To understand this area better we need to understand "reaffirmation." WHAT IS REAFFIRMATION? You reaffirm a debt in bankruptcy when you voluntarily agree to continue to be legally liable on that debt after the completion of your bankruptcy case.
  • add this feed to my.Alltop

    The Penny Hoarder

  • Smart and Sneaky Ways to Save More Money on Amazon Purchases

    Kelly Gurnett
    24 Oct 2014 | 3:00 am
    Love Amazon, but don’t always love the prices? We know how you feel. The “everything at your fingertips” nature of Amazon can be addictive — I can buy food, furniture and clothes without leaving my couch? Yes, please! But sometimes it’s simply cheaper to forgo the convenience factor and do a little old-fashioned physical shopping. It may be a pain lugging a value-pack of toilet paper from store-to-car and car-to-house, but it’s not always economical to have the stuff shipped to you, especially if you can find a better deal in-store. Hopefully, we can help you enjoy Amazon’s…
  • A Side Hustle for Creatives: Sell Handmade Halloween Costumes

    Nicole Dieker
    23 Oct 2014 | 3:00 am
    Are you one of those people who loves Halloween costumes? Do you like going to the fabric and craft stores and putting together a perfect medieval doublet, wizard cape or flapper dress? Have you ever sewn a Halloween costume for your dog? If you answered yes to any of the above questions, we might have the perfect side hustle for you. Plenty of people want to dress up as mysterious witches, scary zombies or bloodcurdling vampires for Halloween, but don’t want to wear the cheap synthetic costumes sold at Halloween box stores. That’s where you come in. By using your skills to create and…
  • Fake Alibis and Mobile Weddings: 10 Bizarre Businesses That Actually Exist

    Steve Gillman
    22 Oct 2014 | 10:00 am
    For a price, you can take a wild taxi ride, order bacon-flavored truffles, hire a professional liar or buy a surprise. They’re unique experiences and products — some of the most bizarre businesses we’ve seen. And while you’re enjoying your weird purchase or experience, someone else is making money. Could you start a business earning money by providing a unique product or experience? Get ready to be inspired by these 10 weird businesses. 1. Have a Smashing Good Time One of the first businesses to tap into our desire to break things for stress relief was Sarah’s Smash Shack in…
  • A Fun Work-From-Home Job: Write Letters to Members of Congress

    Laura Agadoni
    22 Oct 2014 | 3:00 am
    You know how etiquette books say to never discuss politics at the dinner table? Well, if you love a good political discussion and need an outlet — or if you just want a way to earn money working from home — consider working for one of two grassroots advocacy groups that offer work-from-home opportunities. Next Wave Advocacy, LLC, and DDC Advocacy both have “@home” operations. These advocacy groups run grassroots political campaigns on issues such as healthcare, energy, defense and taxes. They hire people (which is where you would come in) to call constituents or…
  • 4 Ways to Get Into Expensive Conferences for Free

    Marcie Hill
    21 Oct 2014 | 3:00 am
    It’s a catch-22: conferences help you network with people who could help your business grow, but attending them often costs a small fortune. Expenses like airfare, transportation, hotels, meals and other activities often put these events out of reach for ambitious entrepreneurs whose dreams far exceed the size of their bank accounts. Instead of writing these opportunities off as prohibitively expensive, get creative and resourceful. Here are four strategies that have helped me attend major conferences without spending a dime — including the exact emails I sent. 1. Volunteer Many…
  • add this feed to my.Alltop

    Learn Financial Education

  • How to Invest in ETF in the Philippines

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

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

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

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

    Gily Tenorio
    7 Sep 2014 | 2:20 am
    Buying a second hand car is not that easy especially if you are in a foreign land like here in Korea. This post is intended for foreigners living in Korea who want to buy a second hand car. I hope the tips outlined in this post will help you decide on which car to buy here in Korea.   If you are like me who has a limited budget, a second hand car is the way to go unless you already  have a big amount to buy a new car. Since you and I are foreigners, you are not allowed to buy new car in installment. I have already asked my Korean friend to confirm about that. He asked several dealers…
 
  • add this feed to my.Alltop

    Don't Go Alone: Your Freedoms and the Law

  • Is Making a Firearm in Your Home Legal?

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

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

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

    Consumer Help Central

  • Private Student Loans And Bankruptcy In A Cosigned World

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

    Jay Fleischman
    26 Sep 2014 | 6:12 am
    If you’ve got a debt from years ago, don’t make the mistake of prolonging the negative impact is has on your credit history. Old debts can plague your credit for years, dragging down your score long after the date you went into default. In fact, according to credit reporting agency Equifax,  a collection account will usually remain on your credit report for seven years from the date the account first became past due. That means a debt six years past due will stay on your credit report for one more year, at which time it falls off your credit report. Once a debt falls off your…
  • Student Loan Defaults Plague The Wealthy, Too

    Jay Fleischman
    23 Sep 2014 | 3:00 am
    When you think about the student loan crisis, your mind conjures up images of twenty-somethings working at Starbucks. What you don’t see, however, are the hundreds of thousands of hard-working professionals who pull in comfortable salaries yet live in fear of their student loans. Confused about how such a thing could possibly happen, and why those with deep pockets aren’t always on top of their student loan payments? Consider this: most people do not graduate from school with high-paying jobs in place. Doctors in particular work many years before getting that fat paycheck. In…
  • Court To Wells Fargo – OK To Freeze Accounts Of Chapter 7 Debtors

    Jay Fleischman
    26 Aug 2014 | 1:23 pm
    If you’re filing for bankruptcy, move your money out of Wells Fargo before you file – even if you don’t owe them any money. It’s long been the practice of Wells Fargo to place what they call a “temporary administrative pledge” on bank accounts when the account holder files for bankruptcy. At that point, Wells Fargo will contact the Chapter 7 trustee to determine whether the funds are exempt or should be turned over to the trustee. If the trustee tells Wells Fargo that the funds are exempt then the pledge is released. Until then, however, the funds are…
  • How A California Private Student Loan Judgment Is Enforced

    Jay Fleischman
    26 Aug 2014 | 1:08 am
    Editor’s Note: Each state has different laws when it comes to enforcement of money judgments, including those relating to private student loans. This article works with the laws of the State of California; if you live anywhere else, talk with a lawyer in your state about your individual situation. After the private student loan lawsuit comes the judgment. For California residents, this could be better or worse – depending on your situation. We’ve talked about why a student loan lawsuit may not be a bad thing, but you should weigh your options before allowing the private…
  • add this feed to my.Alltop

    Musings of a Money Manager | The Personal Blog of John Rothe

  • Top Benefits Of ETFs Vs Mutual Funds

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

    John Rothe
    17 Oct 2014 | 7:38 am
    Is The Ebola News Cycle The Reason For The Stock Market’s Decline? image: Wikimedia Commons Investors are starting to believe that the Ebola outbreak will start to impact the global economy. Any economic impact would most likely be caused by: 1) Aversion behavior in consumers. 2) Impacts to emerging economies where outbreaks may be more likely. 3) The international cost of aid for Ebola stricken countries. 4) Slowdown in international trade due to heightened screening processes at ports of entry. Is Ebola Really The Reason The Market Is Declining? While there may be a small economic…
  • Fall 2014 Update: Stock Market Crash Ahead?

    John Rothe
    9 Oct 2014 | 9:42 am
      Stock market volatility has significantly risen in October. Many are wondering if a collapse is right around the corner. Ebola’s Impact The media is in full fear mongering mode right now. The slow news cycle has brought the Ebola outbreak front and center. While the medical community is telling us that an outbreak here in the US is not likely, the fear of an outbreak can cause an economic impact on our already unstable economy. Investors are starting to worry that there will be a global economic impact caused by: 1) Aversion behavior in consumers. 2) Impacts to emerging…
  • Global Asset Allocation Strategy: October Model Update

    John Rothe
    1 Oct 2014 | 11:00 pm
      Each month, I publish an update for my hypothetical global asset allocation model. The purpose of this model is to provide a strategy that is both timing based and relative strength based. Additionally, by tracking this model, we can get a better idea of how global investors are allocating their portfolios – which can be useful during times of geopolitical and/or market flux. For those not familiar with my global asset allocation strategy, please click here to read an overview. Year To Date Performance Year to date, the model has pulled back during the month of September. This is…
  • Top Economic Risks: 7 Charts You Should Be Watching

    John Rothe
    25 Sep 2014 | 7:54 am
    To watch this video on YouTube click here Should the Fed be worried about inflation? Or is deflation the real enemy?  The Top Economic Risks To The US Economy The Federal Reserve Board, aka the Fed, has been hinting at raising short term interest rates sometime in 2015. However, are we in a position yet to handle the economic risks associated with a rising interest rate environment? Even the Fed has recently lowered its GDP forecast for 2014-2016. Below, I have highlighted some important key economic charts you should be watching throughout the rest of this year The Unemployment Controversy…
 
  • add this feed to my.Alltop

    Thirty Six Months

  • You should always seek value  

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

    Marissa Anwar
    8 Sep 2014 | 5:25 am
    I know it’s not something that we think when we’re tackling our student loans out of University or have to think about finding that perfect job that lets us grow and feel accomplished, but hear me out. Purchasing an investment property is the best thing you can do for your finances after setting up your retirement plan. Yes, it has to be the best investment property, and they are tons of resources out there that will help you find out what type of landlord you’re ready to be. I tend to watch a ton of Income Property with Scott Mcgillvary on HGTV (I can’t help it- the…
  • A Budgetary Workout for Your Business

    Marissa Anwar
    4 Sep 2014 | 9:22 pm
    Trying to budget is a lot like exercising – while we all know that we should do it, avoiding it and being a slob seems a heck of a lot easier. And when we get round to it every once in a while, the strain really shows. But if you’re running a business, you can’t afford to pull a financial muscle, lest you descend into a spiral of debt. Yet, according to Bloomberg, 8 out of 10 businesses fail within the first 18 months of opening their doors – and poor financing is largely to blame. So, if you’re trying to make the most of your finances, what do you need to do to avoid pulling a…
  • Five things to remember when writing your professional resume

    Marissa Anwar
    26 Aug 2014 | 8:24 pm
    The job market out there is tough. Hundreds of applicants are applying to fill one position. Your job is to stand out from the crowd. How are you going to make your application look different from the hundreds of applications being considered? Here are some helpful to tips to keep in mind when writing your resume. Stuck on the job search? Make sure you’re looking at all the online job boards such as OneShift . DON’T FORGET TO BRAG Your resume is all about selling yourself. Talk about your accomplishments. What have you done? What are your goals? Use your resume to tell your potential…
  • 4 Neighborhoods to Stay in When You Visit San Francisco 

    Marissa Anwar
    24 Aug 2014 | 8:34 pm
    San Francisco welcomes nearly 17 million travelers every year, making it one of the most popular tourist destinations in the United States. The City by the Bay has some beautiful neighborhoods, but which one is right for your vacation?     1. Fisherman’s Wharf is Fishy Fun   Most visitors to San Francisco have Fisherman’s Wharf on their itinerary, but you needn’t make a special effort to visit if you base yourself in this buzzing neighbourhood. Choose a room with kitchen facilities, like the penthouse suite in The Wharf Inn, and buy a fresh catch to cook in…
  • add this feed to my.Alltop

    Thirty Six Months

  • You should always seek value  

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

    Marissa Anwar
    8 Sep 2014 | 5:25 am
    I know it’s not something that we think when we’re tackling our student loans out of University or have to think about finding that perfect job that lets us grow and feel accomplished, but hear me out. Purchasing an investment property is the best thing you can do for your finances after setting up your retirement plan. Yes, it has to be the best investment property, and they are tons of resources out there that will help you find out what type of landlord you’re ready to be. I tend to watch a ton of Income Property with Scott Mcgillvary on HGTV (I can’t help it- the…
  • A Budgetary Workout for Your Business

    Marissa Anwar
    4 Sep 2014 | 9:22 pm
    Trying to budget is a lot like exercising – while we all know that we should do it, avoiding it and being a slob seems a heck of a lot easier. And when we get round to it every once in a while, the strain really shows. But if you’re running a business, you can’t afford to pull a financial muscle, lest you descend into a spiral of debt. Yet, according to Bloomberg, 8 out of 10 businesses fail within the first 18 months of opening their doors – and poor financing is largely to blame. So, if you’re trying to make the most of your finances, what do you need to do to avoid pulling a…
  • Five things to remember when writing your professional resume

    Marissa Anwar
    26 Aug 2014 | 8:24 pm
    The job market out there is tough. Hundreds of applicants are applying to fill one position. Your job is to stand out from the crowd. How are you going to make your application look different from the hundreds of applications being considered? Here are some helpful to tips to keep in mind when writing your resume. Stuck on the job search? Make sure you’re looking at all the online job boards such as OneShift . DON’T FORGET TO BRAG Your resume is all about selling yourself. Talk about your accomplishments. What have you done? What are your goals? Use your resume to tell your potential…
  • 4 Neighborhoods to Stay in When You Visit San Francisco 

    Marissa Anwar
    24 Aug 2014 | 8:34 pm
    San Francisco welcomes nearly 17 million travelers every year, making it one of the most popular tourist destinations in the United States. The City by the Bay has some beautiful neighborhoods, but which one is right for your vacation?     1. Fisherman’s Wharf is Fishy Fun   Most visitors to San Francisco have Fisherman’s Wharf on their itinerary, but you needn’t make a special effort to visit if you base yourself in this buzzing neighbourhood. Choose a room with kitchen facilities, like the penthouse suite in The Wharf Inn, and buy a fresh catch to cook in…
  • add this feed to my.Alltop

    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: October 18-24, 2014

    Chris Mettler
    23 Oct 2014 | 9:29 pm
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for October 18-24, 2014. Staples Latest Victim of Credit Card Breach The office suppy store, Staples, seems to be the next victim in a ever increasing line of cyberattacks. On Tuesday, the company said it was investigating a potential breach without releasing any…
  • Spirit Airline World MasterCard Credit Card Review

    Chris Mettler
    22 Oct 2014 | 4:30 am
    Now that we are well into fall and the holiday season creeps up, there is no better time than September to start making your holiday travel plans. Previous years and trends have shown that as soon as October comes around, airlines, hotels and rental companies begin to increase their prices for the expected high volume of travelers during the holidays. One way to save on travel and earn rewards during the holiday season is by carrying a Spirit Airline Credit Card.The Spirit Airlines credit card   is issued by Bank of America and will  help you earn rewards for your holiday shopping and…
  • How The Citi Double Cash Card Changes The Game

    Jason Steele
    21 Oct 2014 | 9:42 am
    Recently, Citi made a splash in the market for cash back reward credit cards when it released its new Double Cash card. This card offers customers 1% cash back on all purchases at the time of the transaction, and another 1% cash back when the charge is paid for. For those who pay each month’s statement balance in full and on-time, this reward program is indistinguishable from a system that offers 2% cash back. In fact, it is now the only personal credit card that directly offers 2% cash back on all purchases with no annual fee. How Double Cash is Different In the past, the Schwab…
  • Credit Cards in the News: October 11-17, 2014

    Chris Mettler
    17 Oct 2014 | 8:41 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 October 11-17, 2014. The CFPB Proposes Rules on Prepaid Debit Cards The U.S. Consumer Financial Protection Bureau has begun to address prepaid debit card rules. The prepaid debit card industry has nearly doubled since 2010, and shows no sign of slowing down…
  • Apple Pay Is Not About Technology, It’s About Popularity

    Jason Steele
    13 Oct 2014 | 10:53 am
    With a flair for the dramatic, Apple loves to introduce new products each fall at their headquarters. Whether it was the late Steve Jobs, or its current head Tim Cook, their single-syllabled CEOs are sure to generate front page news with whatever products they announce. This year much of the buzz from Apple’s event surrounded the announcement of Apple Pay. What is Apple Pay When Apple Pay goes live, it will be a way to use an iPhone (and later its Apple Watch) to wirelessly authorize in-store purchases to the user’s credit cards. Apple pay is a system built into the new…
 
  • add this feed to my.Alltop

    Feeds : dailyworth

  • What Do Millionaires Know That We Don’t?

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

    13 Oct 2014 | 9:00 pm
    Americans' wealth just hit a new record. So, why do so many people feel so poor? Most people say they're falling behind financially, according to a recent Pew Research Center survey, with 56 percent reporting that their incomes aren't keeping up with the cost of living. Among those with incomes under $30,000, 70 percent say they're falling behind. Some pundits would have you believe we're unhappy because our expectations are too high.They paint us as Frappuccino-sipping, iPhone 6-lusting mega-consumers, unable to curb our desires or delay gratification as earlier…
  • Act Fast: 7 Things to Do When Your Wallet Is Missing

    13 Oct 2014 | 9:00 pm
    Remain Calm I knew I should have carried my wallet in a purse that night. Instead, I fashionably tucked it under my arm and headed to the local wine bar with my husband. Two pinot noirs later I reached over to pay the bill only to realize that my wallet — which I thought I’d rested on the bar top — had vanished. Was it stolen? Did it fall on the ground somewhere? Hold on. Did I even bring my wallet? (The wine wasn’t helping.) We carefully traced our steps back to our apartment, eyes glued to the ground. But no luck. The wallet was gone and so was our fun date night.
  • Get More for Less on Your Next Trip

    7 Oct 2014 | 9:00 pm
    5 Essential Travel Hacks Getting out of town is expensive. The average summer traveler expects to pay $1,145 per person, according to a 2014 American Express survey of 1,500 Americans. But this notion that vacation needs to be a monetary free-for-all (and budgetary disaster) needs to be challenged — starting now. In fact, having less money to throw around when you’re traveling can help you enjoy your experiences even more (the true bottom line for all our excursions). Seventy-four percent of Americans prefer “relaxing, doing nothing” and “not having a set…
  • Share, Buy or Profit? 6 Hacks to Boost Your Budget

    6 Oct 2014 | 9:00 pm
    Time to Re-think the Numbers A huge part of successful budgeting is correctly deciphering needs — determining which items you actually need versus what you only want. For instance, do you need to spend money on clothing for special events or could you borrow or rent a dress instead? Is a car worth buying, or should you stick with a lease? In some instances you’re also calculating how much you value your time, whether making money on the side justifies extra work hours. With the rise of the sharing economy, fulfilling these “needs” doesn’t have to…
  • add this feed to my.Alltop

    Money Q&A

  • Tips To Recover From Identity Theft

    Hank Coleman
    22 Oct 2014 | 3:22 am
    Identity theft is a big issue for people. It seems like everyday more and more businesses are becoming the victim of hackers. And, criminals are stealing customers’ personal information from companies. This is a trend that is sure to continue in our ever-interconnected world online and at brick and mortar stores. Is having your identity stolen inevitable? Some experts say it is. So, then how do you recover from being a victim of identity theft? Protect Yourself With Identity Theft Prevention Companies There are many companies that can help you monitor your credit report and also help…
  • The Budget Traveler: Travel Tricks on the Internet

    Guest Contributer
    20 Oct 2014 | 3:19 am
    Getting out and hitting the open road is a common American fantasy, maybe the most common one there is. But how many of us are actually taking the time to get out there and experience the wonderful diversity of the world. The truth is probably fewer than we’d like to admit. Of course traveling isn’t the easiest thing in the world to do. It requires some expendable income and a flexible work schedule that just isn’t attainable for a lot of people. I’ve always wanted to do some more traveling myself, but paying for rent, groceries, and car payments always gets in the way. I couldn’t…
  • Different Types of Insurance Available

    Guest Contributer
    14 Oct 2014 | 6:09 am
    Insurance is a financial product in which companies that offer it will take on some form of monetary risk in return for the payment of premiums. An individual will typically invest in it to guard against having to pay out a large sum of money for common problems that may occur. Being insured gives peace of mind that should disaster strike, the financial implications of this can be dealt with and some of the common insurance products available include the following. Life Insurance No one wants to think about dying although all adults need to consider the problems this can leave for family…
  • When To Hire A Collection Agency For Nonpayment

    Guest Contributer
    13 Oct 2014 | 3:00 am
    The ideal business world would have perfect mathematical precision especially when it comes to small business invoicing. In all likelihood, invoices will be paid on time. But, the day may come that one goes unpaid. What do you do? How to do you approach the person or entity that owes you money? The best thing to do is initiate formal communication, in writing, with a demand letter. This can be best drafted by your attorney, but you can likely handle it yourself if you haven’t one. A simple search will show you good examples of this kind of letter. While this letter doesn’t have any legal…
  • The Pros and Cons of Trading Forex

    Guest Contributer
    11 Oct 2014 | 5:50 am
    Every good investor knows that before you take on a new investment, you need to weigh your options carefully.  It isn’t enough to just do good research on the market.  You really need to make an active decision about whether the foreign exchange market for currency is right for you.  To help you make that decision, consider these important points. Understand That You Are Speculating When Trading Forex In a sense, you are selling one currency against another and betting that the currency you buy is going to increase in value while you hold it so that you can sell it for a profit. …
  • add this feed to my.Alltop

    Forex Weekly Technical Indicators Statistic Record

  • USD-CAD Analysis (21 October 2014)

    Meiji Jap
    20 Oct 2014 | 11:51 am
    Fluctuating within the current position level 1.1283 the pair fighting to break 1.1406 resistance level. There is still plenty of room for upward movement as the MACD indicator in the monthly time frame still rising upward. We also knows that the current position level is near its lowest historical level and by technical instinct it should initiate upward movement to find its correction point
  • EUR-USD and USD-CAD Technical Analysis (4 Oct 2014)

    Meiji Jap
    3 Oct 2014 | 11:21 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 10 Oct 2014 Time: 2:09 (AM) +8 GMT The chart below shows the common 3 peak gradual downwards patterns that we usually find in the Forex market movement. The 4th peak
  • GBP-USD Technical Analysis for Next Week (15 Feb 2014)

    Meiji Jap
    15 Feb 2014 | 1:16 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 15 Feb 2014 Time: 4:44 PM (+8 GMT) GBP-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD Up Up Up Up Full Stochastic Up Up
  • Forex Fundamental Observation - Week 1 (Feb 2014)

    Meiji Jap
    11 Feb 2014 | 1:07 am
    This is fundamental observation based on economic data release to prove that market fluctuations / movements is not entirely based on technical factors. In fact in smaller time frames the market is fluctuating based on 95% the outcome of the economic data versus its previous data. The table and chart shows during economic data release the market will start to make a move temporarily or
  • Technical Outlook EUR-USD and GBP-USD overall week 1 (3 to 7 Feb 2014)

    Meiji Jap
    1 Feb 2014 | 11:37 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 02 February 2014 Time: 2:02 AM (+8 GMT) EUR-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD Down Up Down Up Full Stochastic Up
 
  • add this feed to my.Alltop

    Creative Money

  • Pros and cons of putting your money into collectibles

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

    Mindy Crary
    14 Oct 2014 | 8:05 am
      Just for you, a roundup of credit score tactics to protect your data as well as improve your score! Credit Score Protection It seems like we’re starting to numb out to news of new security breaches if you read this current article from the NY Times on recent Home Depot and JP Morgan breaches.  The fact is, we’re not liable if someone uses our info to commit fraud.  The only thing we CAN do to continue to protect our credit score is… ​Actually read your statements to make sure all of the transactions really do belong to you. Change your passwords at least for accounts with…
  • When it’s okay to raid your old 401k

    Mindy Crary
    7 Oct 2014 | 7:00 am
    I believe that part of my job as a financial planner is to help people see the opportunity in their situation, regardless of where they are at. Even when that possibility might seem counterintuitive to what traditional financial advice might say—like protecting your 401k at all costs. The debt I met this fantastic couple a while back; recently married and finishing up school, they moved to Seattle to take advantage of our booming high tech economy, but ran into a bunch of hurdles that were slowing down their financial progress. The house they purchased had several maintenance issues that…
  • Why I don’t recommend a career in financial planning

    Mindy Crary
    30 Sep 2014 | 10:10 am
    Every few weeks or so, I get an email from someone who is considering a career in financial planning.  I am positive that they regret asking me as soon as they read my reply, because for the most part, I end up discouraging people from the career. Career Perspective Here’s how I see it…I love-love-love animals.  If you told me I could take a vacation with close access to tigers, maybe even feed and pet them, I’d totally sign up.  Completely fascinated.  BUT…I am not a veterinarian.  I’m really good in a crisis, but I realized early on that I don’t have the wherewithal…
  • Why your parents need long term care insurance

    Mindy Crary
    23 Sep 2014 | 10:21 am
    My client base is mostly Gen X and Gen Y, with a few super cool Baby Boomers thrown in. So I don’t talk about long term care insurance a lot…but I think it’s very important. So this is my public service announcement to get it on your radar! My long term care insurance story My story actually starts with my great aunt Evelyn. I never really knew my grandparents, but Evelyn always came for Christmas. She didn’t have any children, so my mom was in charge if anything ever happened—not that we ever thought about that. She was way down in San Diego, and we were in Oregon. When she was…
  • add this feed to my.Alltop

    Three Thrifty Guys

  • Beware of “Sleeper” Subscription and Service Fees

    Aaron
    21 Oct 2014 | 4:08 am
    I came across this somewhat disturbing Reddit post today about a man whose elderly father had been paying an AOL subscription that he hadn’t been using for over 10 years! When he broke it down – his father had essentially paid out over $2,500 in worthless fees! Ouch. (Check out the comments on the Reddit post – as they are pretty enlightening about other subscription and fees folks noticed that others (or themselves) had been fallen asleep on.) This got me to thinking about fees/subscriptions that I may be unwittingly paying for month after month, or that others may need to…
  • How to Get Free Books, CDs and DVDs Through Swapping

    Aaron
    14 Oct 2014 | 4:29 am
    I recently picked up a few audiobooks from the library along with a book called, Retiring Well on a Poor Man’s Budget. While I’m not retiring any time soon – I thought it would be an interesting read. The book contains over 1,000 ways to stretch your income and “enjoy your golden years”. They list a few really neat websites that I’ve never heard of – but want to pass along to you. Owned by the same company – one site is called PaperBackSwap.com another SwapADVD.com and the last, SwapACD.com. These sites have been around awhile – and…
  • Ooma 2 Years Later – How the Savings Add Up

    Charlie
    8 Oct 2014 | 4:19 am
    It has been 7+ years since I ditched my old land line, and 2 years that I have been using Ooma as my preferred home phone service. In 2007, I was using Qwest (now CenturyLink) home phone service, which was costing me $41/month and didn’t include long distance phone service (I used calling cards…remember those?). That year (February 2007) I heard about a new VOIP provider, called Sunrocket, offering 2 year unlimited phone service for $199. Without giving it a second thought I made the switch and swung my home phone service over to them. By July 2007, Sunrocket was bankrupt, and my…
  • Would You Quit Your Job for a Lump Sum? Catch: You Can Never Do the Job Again

    Aaron
    6 Oct 2014 | 4:14 am
    Many of us talk about quitting our job one day and never having to work again. But, here’s an interesting scenario: Would you quit that job if you were offered a large lump sum of money? The only catch: You can never do that job professionally again. This scenario could be facing a professional golfer named Anthony Kim. If you follow golf at all, you may be familiar with the name. Kim was considered to be one of the brightest stars on the PGA Tour. A winner of 3 PGA Tour tournaments and a member of the victorious 2008 Ryder Cub team – he was well on his way to becoming one of the…
  • How to Tell if Your Attic is Properly Insulated

    Aaron
    1 Oct 2014 | 4:06 am
    I’ve discussed our prior experiences with attic issues here at the site more than I’d like to. But, after all our troubles with ice dams in the winter and poorly insulated and vented attics – I thought it could prove helpful to our readers to pass along what I’ve been learning. As the fall season is upon us and winter begins to set in, I was recently alerted to a really helpful tip to tell if your attic is properly insulated. And, it’s mostly targeted to my fellow northerners and other cold climate inhabitants. When the weather gets colder and you start to see…
  • add this feed to my.Alltop

    Kitces.com

  • Financial Independence In Lieu Of Retirement, And Other Phrases That Should Be Banished From Retirement Planning

    Michael Kitces
    22 Oct 2014 | 4:01 am
    As the research into behavioral finance has shown, the words we use and how concepts are framed can have a powerful impact on how we see the world and consider the opportunities that may lie before us. A strategy can go from being appealing to terrifying (or vice versa!) based solely on how it’s explained. And in the context of retirement, there are a lot of words and phrases that may unintentionally be hampering our efforts to have a productive planning conversation. For instance, with the rise of Monte Carlo analysis, it’s become increasingly popular to talk about the probability of…
  • Best Practices For Buyers Acquiring A Financial Advisory Firm In A Seller’s Market

    Michael Kitces
    20 Oct 2014 | 4:01 am
    As the average age of advisors creeps older every year, the industry has continued to predict an impending wave of advisors retiring and looking to sell their practices, leading to a massive buyer’s market for advisory firms. Yet thus far, data from FP Transitions suggests the number of buyers still outnumbers the sellers by a whopping 50:1, and the succession planning “crisis” has been little more than a mirage. Nonetheless, a recent survey conducted by Aite Group and published by NFP Advisor Services suggests that advisory firm acquisitions may be happening far more than anyone…
  • Weekend Reading for Financial Planners (Oct 18-19)

    Michael Kitces
    17 Oct 2014 | 11:01 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the big announcement that the "robo-advisor" Betterment has launched an Institutional platform that will partner with Fidelity to offer a "robo" solution for advisors to use with their (smaller) clients. From there, we have a number of practice management articles this week, including a look at new compensation models being explored by advisors who are looking to get away from the AUM model (or serving clients who simply don't have the assets to work on an AUM basis in the first…
  • Why You Should Only Buy Insurance Protection And Annuity Guarantees Expected To Lose You Money (On Average)

    Michael Kitces
    15 Oct 2014 | 4:01 am
    While no one likes to pay more in insurance premiums than they have to, an important fundamental principle of insurance is that in the end, there must be enough premiums (plus growth) to cover potential future claims (plus overhead and profits for the insurance company). Insurance coverage that is “too” cheap is actually risky, and coverage that is “expensive” is actually the most secure! In fact, one of the most significant caveats to considering any form of insurance (or annuity) guarantee at all is if the insurance is not going to lose you money on average, it’s actually…
  • The Ongoing Crisis Of Advisor Differentiation: Once-Unique Value Propositions Are Now Advisor Table Stakes

    Michael Kitces
    13 Oct 2014 | 4:01 am
    The essence of a unique value proposition is to answer the consumer question “what is it the value that you offer, and why should I buy it from you?” In other words, what is it that you uniquely do that can’t be gotten anywhere else, unless doing business with you? In an increasingly competitive advisory firm environment, having a clearly defined unique (and compelling!) value proposition is essential to getting clients to do business with you and not someone else. Yet in a recent new study on advisor value propositions, Pershing Advisor Solutions finds that in reality, most advisor…
 
  • add this feed to my.Alltop

    Epic Finances - Investment Blog

  • Stock Investing Myths and Truths Part 4 of 4

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

    Carmello
    3 Oct 2014 | 3:00 am
    Welcome back for Part 3 of our 4 part series on the myths behind stock investing. We’ve already seen, and debunked, four myths that have been around for quite a long time, and hopefully these have given you an idea about why doing your own research, and forming your own opinions about stock investing, is so important. Today’s blog will hopefully do the same so let’s get going. Enjoy. Myth #5: Losses on paper aren’t important. Stocks are what is known as “liquid assets”, meaning that at any time they can be sold or liquidated throughout the trading day. Many investors rationalize…
  • Stock Investing Myths and Truths Part 2 of 4

    Carmello
    26 Sep 2014 | 4:00 am
    Welcome back for Part 2 of our 4 Part series on Stock Investing Myths. As we told you in Part 1, even though there’s plenty of information about what works and what doesn’t when it comes to investing in the stock market, many myths still refuse to die and, if you have heard one (or several), this blog series will hopefully persuade you not to be fooled by it. Off we go. Myth #3: The only option that you have are Large-Cap stocks While it makes sense that the investment media focuses on stocks that belong to the Dow Jones industrial average or the S&P 500 index, because they’re the…
  • Stock Investing Myths and Truths Part 1 of 4

    Carmello
    19 Sep 2014 | 3:00 am
    One of the biggest reasons that many investors underperform is that they follow strategies based on myths rather than doing their own research and using due diligence. While a plethora of studies exist showing what does and doesn’t work, there are a number of myths that continue to endure and avoiding them will definitely make a substantial difference in your profits over time. In this 4 Part series we’ll take a look at some of the biggest myths and do our best to debunk them for you. Enjoy. Myth #1: Excellent companies always have excellent stocks While it wouldn’t be a stretch to…
  • Why SM Energy (SM) is a Growth Stock to Watch

    Carmello
    12 Sep 2014 | 3:00 am
    Most investors know that growth stocks can be some of the most exciting stocks on the market. The reason is that they tend to catch the attention of other investors and thus produce big gains. Everything that goes up must come down however and, when the growth is over and the downside begins, finding companies that still have strong growth prospects is the most important factor for an investor looking for a good stock that will provide top-notch long-term gains. SM Energy Company (SM) is one of those companies, and it appears to be very well-positioned for excellent earnings growth in both…
  • add this feed to my.Alltop

    cheapbohemian

  • Trigger Warning: Life

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

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

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

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

    Lisa Schamess
    27 Aug 2014 | 7:22 pm
    Last year at this time, we were on Day Four of homeschooling CheapBohemian the Younger. It was a learning process for everyone. Even with 20+ years of high school and college teaching experience between us, John and I found the experience daunting, and often a little hit or miss.Still, I've never been one to back slowly away from a foolhardy idea. This week I re-upped for Year Two.I hesitate to say this till that last knife leaves my hand, but it already feels like we're all winning. Last year we were gobsmacked, exactly like all new teachers are, when our carefully structured…
  • add this feed to my.Alltop

    The Savvy Scot

  • When spending less is more important than earning more

    Pauline
    22 Oct 2014 | 11:11 pm
      I have always said that when it comes to choosing between earning more or spending less, I am on the earn more side for a variety of reasons, which boil down to two points: You can always make more. If you have two arms and a sane mind, there are no excuses. You can make the time by stopping watching TV. You can make money during your three hour commute by working online. You can make money on top of your college class load, at night and on weekends if you stop partying so much. And if your side hustle works out, you can make a career out of it. There is no limit to how much you can…
  • Make your own junk food!

    Pauline
    20 Oct 2014 | 11:05 pm
    I have been reading Salt, Sugar, Fat: How the food giants hooked us and it is pretty alarming. Basically, in a never-ending quest to make their products taste delicious, flavor busting in your mouth while they score more and more market shares, the food giants have loaded the convenience food we it with salt, sugar and fat. The author says he visited the Cheez-Its factory and was given a taste of Cheez-Its without salt, which he found disgusting, while he can eat the normal stuff forever. Every day, chemists and scientists try to develop foods that will trigger an eating reaction similar to…
  • Life is how you want to see it

    Pauline
    15 Oct 2014 | 11:02 pm
      Credit (great post about looking better on pictures depending on your body type) Recently, we had a huge mirror fitted in the bathroom. It starts at knee level, while the tainted shower door reflects your whole silhouette. The shower door is often open so I rarely use it, while I look at myself in the mirror every day, at least when I brush my teeth. Yes, I am vain, and haven’t had a big mirror in years, so I quite enjoy it. And, it makes me look pretty darn good. More so than usual. At first I thought all my swimming/running efforts were paying off, until I saw my reflection on the…
  • How to make frugal Christmas decorations

    Pauline
    13 Oct 2014 | 11:05 pm
    Mom’s large flower pot   As I am not really big on Christmas, I am happy to have my VA Clarisse who is a Christmas enthusiast, talk about frugal Christmas decorations today. Enjoy!   When the months ending in “BER” start, for us it means that Christmas is just around the corner! And when we speak about Christmas, we are excited to set up our Christmas tree, decorate our house with Christmas lights and stars. I love setting up our Christmas tree and decorate it with different decorations. We have a big star in front of our house and a Santa Clause standing in our door. Our…
  • Changing my life into a healthier me

    Pauline
    8 Oct 2014 | 11:05 pm
    This is a guest post from Clarisse, my VA, about how a medical scare made her form new healthier habits. Enjoy!  It was a Saturday morning, June 7th, my mom’s birthday, my husband and I decided to treat my mom and the whole family to a Filipino restaurant. When we were all dressed up and ready to go, I felt a sudden burn and knew it was my UTI again because I tend to have it about three or four times a year, so I’m getting used to this feeling and pain. I hurriedly took my medicine, pain reliever and antibiotic as my Doctor prescribed to me before. After an hour I felt better and able…
 
  • add this feed to my.Alltop

    I Need Money

  • The Emerging Financial Markets: Do they represent a Viable Investment Opportunity in the Current Climate?

    admin
    12 Oct 2014 | 4:01 pm
    Despite considerable growth in recent times, the tide of the global economy is beginning to turn. More specifically, the European and U.S. stock markets have seen a sharp and sudden decline during the last week, as fears over a potential recession have gathered momentum and had a huge impact on financial traders. With the global property market also facing a potential crash, investors are being forced to adopt a risk-averse amid swathes of disappointing economic data. Both the FTSE 100 share index and the Dow Jones have fallen by 1.4% and 2% respectively as a result of this, while Germany’s…
  • 4 Ways a Business Lawyer Benefits Your Bottom Line

    admin
    5 Oct 2014 | 2:10 pm
    Hiring a designated attorney for your business might seem like just one more start-up cost that you can’t afford.  But the fact is you can’t afford not to have one. If one of your goals is for your business to make money, then finding the right attorney for your business needs to be a high priority.  Sure, go ahead and pick your catchy name and get an artist to design your logo.  That stuff is fun. But go no further until you have an experienced attorney who will not only make sure you do everything by the book, cross all your t’s and dot all your i’s, but actually assists you in…
  • The Different Types of Insurance: Are you covered?

    admin
    14 Sep 2014 | 2:04 pm
    While most people will have some sort of insurance, many individuals fail to recognise the changes that have impacted on this industry in the last decade. More specifically, a huge number of new financial products have been created to suit changing consumer needs, from standard items such as home and travel insurance to more complex coverage relating to commercial assets and intellectual property. Without knowledge of this evolution and the contemporary range of insurance products, you may find yourself exposed to the risk of financial loss and damage. The Main Types of Insurance Available to…
  • How Online Shopping Can Help You to Save Money

    admin
    31 Aug 2014 | 2:32 pm
    Online retail now represents a huge global business, and one that is only likely to grow proportionately over the next five years. Retail sales on the online market are expected to rise to $370 billion by the year 2017, which represents an increase of $139 billion since 2012. This is not only good news for business owners, however, as customers can also benefit by accessing online deals and discounted rates through the World Wide Web. While the Internet has succeeded in making it easier than ever for customers’ to save money while executing high-ticket purchases such as cars, however, it…
  • The 7 Greatest Investments of All Time

    admin
    24 Aug 2014 | 3:00 pm
    Truly great investments tend to make household names out of business people and entrepreneurs who would normally be fairly anonymous. Names like Warren Buffet and Mark Cuban are nearly as familiar as the names of Hollywood actors and star athletes. But, the companies that these financial phenoms invested in aren’t always so well known. For many, this is the precise reason these investors were able to capitalize on ROIs reaching up to 1,000 times the amount they put in. So, what does it take to get a Mark Cuban sized return, and how long will it take? Better yet, who are these brilliant…
  • add this feed to my.Alltop

    Zoho Blogs

  • Ringio helps sales teams close more deals by bringing Click To Call to Zoho CRM

    Radhika Bhangolai
    23 Oct 2014 | 7:03 am
    This is a guest post by Sam Aparicio, CEO of Ringio. Today we are announcing a new integration with Zoho that brings Ringio’s Click To Call, Power Dialer and cloud phone system capabilities right into Zoho CRM. You can learn all about it here. We’re excited because we’ve seen first-hand how useful it can be for a sales team to have an integrated technology platform. If Zoho CRM is your sales team’s cornerstone and you do inside sales, you’re going to want to add Ringio to the mix. Our mission is to help sales teams amplify their sales conversions. We do it by…
  • Meet Zoho Subscriptions: One stop shop to run your subscriptions business.

    Krupa Subramanian
    22 Oct 2014 | 8:58 am
    Since the early part of the decade, we have witnessed a drastic shift in the way businesses function. Products and services that were once sold for a one-time flat fee are now being sold on a subscription basis with a recurring fee. Increasingly, businesses in all sorts of industries are transforming themselves to fit the subscription model. While the subscription model certainly proves to be an efficient model for businesses because of its lower customer acquisition costs and predictable revenue streams, running multiple subscriptions, managing payment failures, handling changes in billing…
  • Announcing the New and Improved Zoho Docs for Android

    Chinmayee Mishra
    20 Oct 2014 | 5:14 am
    From charting out flight plans to building a whole new website, everything is now available at your fingertips. Businesses, small or big, are going mobile-first to keep their employees’ productive and customers happy. With increasing number of customers opting to go mobile, Zoho has been developing a number of native mobile apps to help the customers work seamlessly without being chained to the office desk . The mobile version of Zoho Docs was launched to help users manage their files and folders on the go. Today, I am excited to announce the Zoho Docs for Android, geared towards…
  • Webinar: Get Launched with Zoho Mail!

    Revanth C
    17 Oct 2014 | 7:21 am
    Looking for ways to move your business to a professional email service?  (Did we mention Zoho Mail is free for up to 25 users?) Join us at our webinar and we’ll help you get started! What will you learn? How to get your own domain or use one you already have Adding email aliases Enabling two factor authentication & app specific passwords Configuring POP/IMAP & Active Sync on your devices Setting up email forwarding/ time zones/ language  Working with the native Zoho Mail Android/ iOS apps And more…. If you can’t make it at this time, don’t worry. This will be…
  • There are better ways to engage customers: Introducing Visitor Tracking, Social, Telephony and more!

    Radhika Bhangolai
    16 Oct 2014 | 6:27 am
    Last week we announced our biggest release ever, which included Zoho CRM Plus, Zoho Sales IQ and Zoho Social. This week, we’ve some more new and interesting features that will help you make your company into a customer-focused organization.Close the loop between Ad Dollars and Offline Conversions The famous lines by John Wanamaker “Half the money I spend on advertising is wasted; the trouble is I don’t know which half” is now passé. Zoho CRM for Google AdWords bridges the gap between the online ad campaigns and lead generation process. It pulls the impressions, clicks,…
  • add this feed to my.Alltop

    Cult Of Money

  • The 5 Dumbest Ways I’ve Wasted Money

    Alexa Mason
    22 Oct 2014 | 1:15 am
    I write a lot about personal finance. And while I try my hardest to dish out only financial advice that I actually follow myself, sometimes I fail. Now didn’t get me wrong, there’s a lot that I do to keep my personal finances in track and then there are those things I slip up on but never tell you about. So today I thought I’d humanize myself a little more and tell you all about the major personal financial fails I’ve had or still do commit. You ready? # 1 – Buying a Crap Load of Amazon Instant Videos When I first got divorced a little over two years ago I went on a complete TV…
  • 7 Christmas Shopping Apps and Websites to Save You Time and Money

    Alexa Mason
    15 Oct 2014 | 1:15 am
    It’s hard to believe but Christmas is fast approaching! If you start doing some smart shopping and planning now, you can give thoughtful gifts on a tight budget. To make it even easier for you to save money this Christmas I’ve rounded up the top seven Christmas shopping tools that will save you both time and money. # 1 – Slick Deals (APP) Slick deals is a website where community members and moderators can share good deals from retailers. They also offer coupons for a wide range of stores. You can check them out online at SlickDeals.net or download their mobile app. # 2 –…
  • Too Busy to Cook? 4 Time and Money Saving Solutions

    Alexa Mason
    8 Oct 2014 | 1:15 am
    I don’t know about you but between working, being a mother, and trying to keep my house clean and dinner cooked I’m pretty exhausted. September was just a busy month. My oldest daughter started Kindergarten, it was the month of my birthday, my Dad’s birthday, and my Grandma’s birthday. I had extra bills come in like my bi annual car insurance premium, which I had forgotten about. I had to buy school clothes and supplies, and I was just completely unorganized. It was chaos. And even though I hate to admit it, there were more than a few times where we “snacked” rather than had…
  • How to Create Your Own Money Saving Challenge

    Alexa Mason
    1 Oct 2014 | 1:15 am
    October must be the month of money saving challenges! I’ve seen multiple savings challenges among bloggers and have even had random companies tweet me asking me to join their challenges. And you know me, I like challenges! But instead of partaking in someone else’s challenge this month I’ve ultimately decided to create my own. After all nobody knows my budget like I do. Do Money Saving Challenges Work? Money saving challenges can often work. Especially if you’re following a long with a group of like-minded people. The others in your group can motivate you to keep pushing on even when…
  • 4 Ways to Invest Without the Stock Market

    Robert Farrington
    29 Sep 2014 | 1:15 am
    Investing in the stock market for the long term is a great way to grow your money and prepare for retirement. However, the stock market volatility in recent years has led many would-be investors standing on the sidelines. Do you want to invest but hate the idea of putting money in the stock market? If so here are four alternative ways to invest your money. Peer to Peer Lending Peer to peer lending has grown in popularity over the past several years. Instead of putting money into companies, like you would with the stock market, you can instead invest money into individuals. When you sign up…
 
  • add this feed to my.Alltop

    PFhub - Business, Financial & Economic News

  • Tim Cook’s Clever Plan to Hook Consumers on Apple Inc.

    Kaitlin Longmire
    23 Oct 2014 | 8:02 pm
    Tim Cook became the CEO of Apple Inc. (NASDAQ:AAPL) in the later part of the year 2012 and right after getting his post he started to make changes in the company’s executive ranks. Scott Forstall was asked to leave even though he had been working for Apple for a long time and he was one […]The post Tim Cook’s Clever Plan to Hook Consumers on Apple Inc. appeared first on PFhub - Business, Financial & Economic News.
  • Google Inc.’s New ‘Inbox’ App That Bundles Emails

    Kaitlin Longmire
    23 Oct 2014 | 6:33 pm
    Google tries hard to give its customers the best that it can. One example of the efforts made by Google Inc. (NASDAQ:GOOG) to please its users is the changes that the company made in Gmail. Only last year Google introduced three tabs in Gmail: Social, Promotions and Updates. When the three tabs were introduced by […]The post Google Inc.’s New ‘Inbox’ App That Bundles Emails appeared first on PFhub - Business, Financial & Economic News.
  • Low Interest Rates in Canada are Concerning says Moody’s

    Andrew Moran
    23 Oct 2014 | 8:05 am
    Canadians have enjoyed low mortgage and interest rates for a longtime. Cheap borrowing costs have prompted Canadian consumers to spend more on automobiles, expensive homes and other goods on credit. This is a worrisome trend, says the Bank of Canada (BoC) and Moody’s. BoC governor Stephen Poloz said at a news conference Wednesday that Canadians […]The post Low Interest Rates in Canada are Concerning says Moody’s appeared first on PFhub - Business, Financial & Economic News.
  • Swiss Supermarket Sells Coffee Cream with Hitler’s Face on It

    Andrew Moran
    23 Oct 2014 | 7:42 am
    A Swiss supermarket chain has apologized after it was reported that customers discovered packets of cream that had the faces of former German Chancellor Adolf Hitler and former Italian Prime Minister v on top of the casings. Reports say the creamer pots weren’t sold at the Migros grocery stores but were sent to customers who […]The post Swiss Supermarket Sells Coffee Cream with Hitler’s Face on It appeared first on PFhub - Business, Financial & Economic News.
  • Abortions, Gay Weddings & Freedom of Speech Under Fire

    Angela Kaye Mason
    23 Oct 2014 | 7:23 am
    First Amendment Protects Religious Beliefs It seems that there is a new internet outrage each and every day. Sadly, many of these are over religion. While religious actions, feelings, duties, etc should be a personal decision, far too may people seem to be forcing their own convictions onto others. That being said, while it is […]The post Abortions, Gay Weddings & Freedom of Speech Under Fire appeared first on PFhub - Business, Financial & Economic News.
  • add this feed to my.Alltop

    Wealthy Turtle

  • 5 Things You Should Never Buy at Costco

    Mike Collins
    23 Oct 2014 | 5:11 am
    I’ve written many times about my love for Costco.  They pay their employees better than most companies, and I even did an intensive shopping comparison to prove that Costco prices are almost always cheaper than you’ll find elsewhere. So when I came across an article listing five items you should NOT buy at warehouse clubs like Costco and Sam’s Club, I naturally had to check it out. Below you’ll find the five items on their list and my thoughts on each. Books, CDs, and DVDs Whenever I’m at Costco I do a quick scan of the books and Blu-rays and I have found a good deal from time…
  • Are You Sure Your Life Insurance Beneficiary Designations Are Set Up Properly?

    Mike Collins
    21 Oct 2014 | 3:26 am
    Don’t let your family be torn apart or an old ex have the last laugh.  Update your life insurance beneficiary designations today. Life insurance is one of those topics that no one really likes to think about.  It’s much easier to pretend that we’ll live forever, but unfortunately that just isn’t true. Since you’re a responsible person and you want to make sure your family is taken care of when you’re gone, you probably already have a life insurance policy (if you don’t you should start shopping around for one now). But even if you already have more than enough life insurance,…
  • Keep Warm Without Burning Through Your Budget

    Mike Collins
    17 Oct 2014 | 5:33 am
    Winter is coming and if you’re like most people, your heating bill is one of if not the biggest household expense you have.  So I’m sure you will agree that it only makes sense to try and trim your heating bill as much as possible.  And the good news is that even small changes to your habits can have a large impact on your total utility bill. Here are some simple tips for lowering your winter heating costs: Lower Your Thermostat – Keep your thermostat turned down as low as you can while still being comfortable.  Every degree you lower the thermostat will cut your bill by about 3%,…
  • How Much Will You Spend This Halloween?

    Mike Collins
    13 Oct 2014 | 11:20 am
    We spent part of this weekend shopping for kid’s Halloween costumes and I was shocked at some of the prices.  Is it just me, or has the price of costumes gone through the roof in recent years? Finding cheap Halloween costumes is next to impossible without also sacrificing quality.  Many of the costumes we looked at were complete garbage…poorly made crap that will not even last the night. And yet people spend an astounding amount of money on Halloween costumes. According to this 2013 Forbes article, the average amount spent to make or buy a costume is about $28. In total,…
  • Book Review – Go Fresh Cookbook

    Mike Collins
    8 Oct 2014 | 5:28 pm
    A recent checkup at my doctor’s office made me realize that I need to make some changes to my lifestyle. My weight was up a bit from the previous year and so was my cholesterol and triglycerides.  While the numbers weren’t alarming I am a little concerned that they’re headed in the wrong direction, especially since I have a history of heart disease in my family. So I’ve decided to start exercising more and eating more healthy foods.  Truthfully, my family already eats pretty well.  We cook fresh meals most nights and try to limit processed foods as much as possible.
  • add this feed to my.Alltop

    Bank On Yourself

  • End Your Biggest Money Worries in 90 Days

    Pamela Yellen
    21 Oct 2014 | 9:41 am
    The top-secret project I’ve been working on for a year is now live! As I mentioned in my previous emails, it has the potential to completely transform your finances and end your biggest money worries in short order. It’s a culmination of ten years of research… and the result of listening to the concerns of more than 92,000 subscribers to this ezine. I can honestly say that watching this video I’ve put together for you could end up being the single most important thing you do for your finances – bar none. And as one of my loyal subscribers and supporters, I wanted you…
  • Why Your Retirement Account is Missing $186,000

    Pamela Yellen
    16 Oct 2014 | 2:33 pm
    An eye-opening Report released last month by the Center for Retirement Research at Boston College reveals that the fees charged by mutual funds and 401(k) and IRA plans will slash the value of the typical person’s account by almost 37%! That means if your account should have been worth $500,000, you end up with only $314,000 – all because of stealth fees that are draining your hard-earned savings! That’s $186,000(!) of your money that will end up in other people’s pockets, not yours. These money-sucking fees often apply even to funds that track stock market indexes such as…
  • Fed says most Americans “extraordinarily vulnerable” to financial setbacks

    Pamela Yellen
    9 Oct 2014 | 2:03 pm
    A comment last week by Federal Reserve Chair Janet Yellen (read Is Pamela Yellen Related to Janet Yellen?) sent my inquiring mind down an investigative rabbit hole. Janet stated that the Great Recession showed that a large number of American families are “extraordinarily vulnerable” to financial setbacks because they have few financial assets to fall back on when the you-know-what hits the fan. She cited a new study showing that an unexpected expense of just $400 would force the majority of American families to borrow money or to have to sell something to cover it. Just $400!
  • Do you feel lucky?

    Pamela Yellen
    19 Sep 2014 | 10:52 am
    For two years before the dot-com stock market bubble crashed, my husband Larry and I studied “stock charting” with one of the country’s top technical analysts. It’s one of the 450+ financial strategies and vehicles I’ve investigated over the last 25 years. Stock charting looks at patterns in the charts of stocks, indexes and various market indicators to determine the best times to buy or sell, based on the knowledge that history repeats itself. (Frankly, I don’t have the patience for that kind of analysis and found it excruciatingly boring.) We owned a lot…
  • The Secret Connection Between Health and Wealth

    Pamela Yellen
    2 Sep 2014 | 1:45 pm
    Is there a connection between your physical health and your financial wealth? Absolutely! And it’s more important than you may realize… When you’re not in good health, you’re not as effective on the job, in your investing strategies or at home. Often, the price we pay for inattention to the care and feeding of our bodies doesn’t become evident for years or even decades. However, when the tab finally does come due, it is often shockingly high and can instantly erase a life’s worth of careful financial planning. Diabetes… a heart attack… cancer…
 
  • add this feed to my.Alltop

    Investment Fraud Attorneys | Hermann, Cahn & Schneider, LLP

  • Not Quite Investments: Binary Options Are Purely A Gamble

    Jay Salamon
    26 Sep 2014 | 8:28 am
    This article was originally posted on Stock Market Loss The Ohio Division of Securities recently initiated an administrative action against an online binary options platform operating from the United Kingdom. The Division alleges that Vault Options lured at least one Ohio investor into investing $50,000 based on false and fraudulent statements, including touting the security of the investment and inflated returns up to 500 percent. Binary, Digital, and All or Nothing Options In light of this ODS action, it strikes us as a good time to address the growing popularity of binary options, also…
  • VARIABLE LIFE INSURANCE ALERT!

    Jay Salamon
    28 Jul 2014 | 12:47 pm
    This article was originally posted on Stock Market Loss The lawyers of stockmarketloss.com, a practice group of Cleveland, OH law firm Hermann, Cahn & Schneider LLC, are receiving a growing number of inquiries from victims of variable life insurance fraud. How do you know if you’re a victim. Look At What You Were Sold Some people don’t even realize they were sold variable life insurance. Look carefully at your policy or prospectus. If they contain any of these terms, you can be pretty sure you bought variable insurance: The product name includes the word “Variable,” or the acronym…
  • 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…
  • add this feed to my.Alltop

    DINKS Finance

  • Weekly roundup: Gyms, retirement and cars

    Kristina
    24 Oct 2014 | 2:00 am
    Happy Friday Dinks.  How was your week?  Mine was great.  I’m feeling more and more at home in our new apartment and I joined a gym in my new neighborhood.  Yep that’s right I, lover of the outdoors, joined a gym.  For the next 12 months I will have $43 deducted from my bank account every month for my good health. More about why I chose to spend over $500 a year on my appearance later next week. If you want some good reads while you drink your morning coffee here are some great posts from our friends: Boomer & Echo – What Are You Doing With This Stock Market…
  • I’m in debt again – and it’s OK

    Kristina
    23 Oct 2014 | 2:00 am
    Good morning Dinks.  Nick and I have been in our new apartment for almost a month and although we still have some furniture to buy and some boxes to unpack we are slowly but surely getting settled into our new space. I have advocated many times here on Dinks Finance that I am not a fan of debt because I will be forever scared by my past money troubles.  Now at 34 years old I’m in $5000 of debt again but surprisingly I’m not freaking out.  I did have a pain in my gut just before I signed for the financing but now I’m totally OK with it.  Why? Because this time it’s…
  • 5 reasons I’ll always take the bus

    Kristina
    22 Oct 2014 | 2:00 am
    Good morning Dinks.  As you know buying a car was my biggest financial mistake and although some days I do really miss the convenience of hopping in my ride I will probably never buy a car again.   Actually that’s not necessarily true I will never buy a new car again unless I really need it.  As my current living situation is Nick and I don’t need a car.  However if some day we buy a house and move to the suburbs we may need a car.  I’m not saying never, I’m just saying not now.  But what can we do if we need a car and don’t want the monthly payments? …
  • How much is your living worth?

    Kristina
    20 Oct 2014 | 2:00 am
    Good morning Dinks.  Let me ask you a question, are you overpaying for your lifestyle?  I don’t mean if you’re living beyond your means or if you are racking up thousands of dollars in debt.  I’m asking if your currently living situation could be done on less. What does someone with money look like? Why am I bringing this up?  Because sometimes I feel I have to justify my success (and my bank account) because I don’t look like the typical financial planner.  I don’t wear Jimmy Choo shoes and I don’t dress up in jeans and a blazer to go to the grocery…
  • Weekly roundup: Cars, cards and being in the middle

    Kristina
    17 Oct 2014 | 2:00 am
    Good morning Dinks and Happy Friday.  It’s been 17 days since we moved into our new apartment and although there are still some boxes we need to unpack we are definitely getting settled in.  This weekend we are going to walk around and get to know our new neighborhood.  For the first time in three weeks we are actually going to get outside and enjoy our new apartment.  Our sofa and bed were delivered this week so this weekend we are going to do nothing but enjoy our new space. Whatever you’re up to this weekend, I hope you enjoy it.  Have a great one Dinks! Everything Finance…
  • add this feed to my.Alltop

    Wallet Hub

  • The 110th World Series By The Numbers

    John S Kiernan
    21 Oct 2014 | 3:39 am
    Posted by: John S Kiernan It’s time to grab your peanuts and Cracker Jack because baseball’s big day has arrived. The 110th World Series is upon us, as the Giants and Royals square off. While this year’s Series lacks one of the various geographical rivalries that were possible at the onset of the playoffs, it does feature two hot, battle tested teams that have slogged their way through long odds to arrive at the precipice of a championship. That should make for a compelling match-up. And although we’ll have to wait to see who comes out on top (our experts have some guesses in the…
  • 2014 US Open By The Numbers

    Richie Bernardo
    21 Aug 2014 | 3:02 am
    Posted by: Richie Bernardo It’s that time of year again when the Big Apple plays host to the violent grunts of the world’s best tennis players and boisterous cheers from less-than-muted spectators. And it seems only yesterday that Rafael Nadal and Serena Williams owned their opponents on the court, both snagging their second and fifth championship titles, respectively, at the 2013 U.S. Open. But aside from trophies, the two winners also bagged a record $3.6 million each, including the main draw prize of $2.6 million for singles and all their other cash winnings up to that point. This…
  • Ask the Experts: The Economic Impact of the Child Migrant Surge

    Richie Bernardo
    15 Aug 2014 | 1:32 am
    Posted by: Richie Bernardo The images are disturbing: Thousands of apprehended child migrants cramped inside detention holding cells and sprawled across floors at bedtime. No parents and no certainty of their fate. President Obama has labeled the issue an “urgent humanitarian situation.” Others have described it as the ongoing “immigration crisis.” Since this past October, roughly 63,000 unaccompanied alien children, or UAC, have illegally crossed the border shared by the United States and Mexico. Between January and the end of July, nearly 40,000 UACs — the majority of whom fled…
  • 2014 FIFA World Cup By The Numbers

    John S Kiernan
    9 Jun 2014 | 5:24 am
    Posted by: John S Kiernan Are you ready for some football?  We obviously know it as soccer, but no matter what you call it, the beautiful game is set to captivate the globe as the 2014 FIFA World Cup kicks off from Brazil June 12.  After all, there is no shortage of story lines associated with the Brazil edition of this quadrennial celebration of sport.  From the home country’s last-minute scramble to ready itself for the world stage and the accompanying protests regarding the government’s massive infrastructure investment to questions of tourist safety and doubts about the stability…
  • Ask The Experts: The Domestic Energy “Revolution” & Your Wallet

    John S Kiernan
    8 Jun 2014 | 5:36 am
    Posted by: John S Kiernan The energy crisis continues to dominate the headlines in 2014, but this time with positive news: America’s energy outlook is improving — or it seems to be. The U.S. Department of Energy did a little number crunching earlier this year, and the results have prompted some observers to speculate that a domestic energy revolution is underway. The Energy Department’s report revealed that U.S. energy production, particularly crude oil and natural gas supply, is again reaching historic levels in part because of recent technological breakthroughs. Among other…
 
  • add this feed to my.Alltop

    Student Loan Calculator, Pay off student loans | Student Loan Hero

  • How Universities Gamble With Their Students Money

    Darwin Ruiz
    17 Oct 2014 | 1:44 pm
    Is your university or college setting you up for a healthy financial future? There is growing concern by the Department of Education and CFPB over practices universities utilize with their student population and the effects they’re having on the financial well being of students. Tuition costs continue to rise, college credit cards are peddled to students on campus like […]
  • Student Loan Rehab: How to Recover and Avoid Defaulting on Student Loans

    Darwin Ruiz
    9 Oct 2014 | 8:56 am
    Being unable to repay student loans can create extreme financial stress. As many young graduates work hard towards securing a career, an unstable employment market and rising cost of living can be a big financial squeeze. As a result, many new graduates are falling delinquent or behind on their student loan payments, and some even […]
  • Will the New 2014 Obama PAYE Student Loan Program Affect You?

    SLH Staff
    3 Oct 2014 | 10:33 am
    Student loan debt has reached an all time high of $1.2 trillion USD. It’s the second largest form of household debt among consumers after mortgages. It’s been a topic of concern within the academic and political arenas, with numerous policy attempts at easing the financial burden for students and the nation’s economy. Much legislation has […]
  • 3 Signs It’s Time to Refresh Your Student Loan Repayment Strategy

    Dan Macklin (SoFi)
    19 Aug 2014 | 5:33 am
    When you’re trying to find student loan repayment advice, most help is aimed at borrowers who are struggling to make monthly student loan payments. And with good reason – when you’re shouldering tens of thousands of dollars in education debt, and monthly payments you simply can’t afford… you need all the help you can get. […]
  • Press: 5 Start-Ups Make Paying Back Student Loans Easier

    SLH Staff
    14 Aug 2014 | 8:28 am
    NBC News recently wrote about 5 start-ups that help college grads and student loan borrowers repay their student loans. The 5 financially focused companies mentioned were: Student Loan Hero – The Smartest way to Repay Student Loans. LearnVest – Financial Planning Tools for Young Adults SponsorChange – Connecting Student Loan Borrowers to Non-Profits Tuition.io – […]
  • add this feed to my.Alltop

    From the Desk of Robert Jacobs

  • 5 Reasons Why Frugal Living Leads to Winning with Money

    Robert
    20 Oct 2014 | 4:00 am
     This post was originally published on 11/26/2012 When you hear the term “frugal living” or “frugal,” what thoughts does it generate? Is it negative or does it sound restrictive like the word “budget?” According to Wikipedia, the definition of frugality is, “The quality of being frugal, sparing, thrifty, prudent or economical in the use of consumable resources such as food, time or money, and avoiding waste, lavishness or extravagance.”   Frugal living doesn’t have to be a bad thing, in fact it is necessary to be able to…
  • The best tax move you can make: increase your charitable giving

    Robert
    13 Oct 2014 | 4:45 pm
     Giving to charity is good for the spirit and can be good for the pocket-book. Increasing your charitable giving will decrease the amount you send to Uncle Sam. My goal every year is to not give the government more or less than what I owe. This includes federal and state taxes. However, since the tax code and tax rate tables are so complicated, getting to zero is nearly impossible. Over the past couple of years, my wife and I have had the pleasure of being required to pay estimated taxes. These are quarterly tax payments made to the government. Estimated taxes are required when not…
  • Do you make these FIVE investing mistakes?

    Robert
    7 Oct 2014 | 12:23 pm
     You may be making investment mistakes and you don’t even know it. These mistakes may be costing you hundreds, thousands, or maybe millions of dollars. Investing is not rocket science, but if you are not careful or do not know what you’re doing, then you could make these investing mistakes: Not ready: If you are not ready to invest, than you have no business being in the market. This would include if you have consumer debt or money saved for emergencies. Clean up your mess first, before you start investing. Buying single stocks and bonds: It sounds cool to talk with your…
  • 3 Reasons why you should not invest in retirement plans

    Robert
    29 Sep 2014 | 3:53 pm
     Don’t invest your money in retirement plans. I have my reasons for this startling statement. The title of this blog sounds like I am against investing, but that is far from the truth. In fact, I love investing and recommend that you do it IF you are ready. There are three main reasons that indicate you SHOULD NOT invest in retirement plans. Retirement plans include 401ks, IRA, 403bs, 457s, etc. Consumer debt: Car loans, car leases, student loans, and credit card debt is squeezing your budget. Debt equals risk, if your personal finances are at risk, than you must clean up your…
  • How to Determine How Much Life Insurance You Need

    Robert
    22 Sep 2014 | 6:26 am
     When you die and you have loved ones depending on your income, it is a MUST that you have enough life insurance to replace your income over time period after your death. Before you determine how much life insurance you need, you must select the right type of insurance. In my opinion, term insurance is the only way to go. The reason is that is designed to be exactly what life insurance is for; replacement of income for those dependent on you after death. If you do not have anyone depending on your income, then you really don’t need life insurance. If you are purchasing life…
  • add this feed to my.Alltop

    Modest Money

  • 5 Things I Learned From Buying My First Home

    Adam
    23 Oct 2014 | 6:15 am
    If you would have told me one year ago that I was going to be a homeowner by now, I would have rolled my eyes and told you to stop putting pressure on me. I’m doing just fine the way things are, thank you! But then, I started diving in to the personal finance blogging community and quickly learned from blogs like this one that your money is pretty useless sitting in a standard savings account. I also learned how renting a home can be a waste of money if you’re financially ready to buy. So I grabbed a handy myFICO calculator and crunched the numbers. And then my head exploded. Not only…
  • How Many Mortgage Payments Can Be Missed Before Foreclosure

    Adam
    22 Oct 2014 | 6:15 am
    The following is a guest post about mortgage. If interested in submitting a guest post please read my guest post policy and then contact me. For those that have a home and mortgage payments become more and more difficult to get together and pay, you’ll need to look into your options far ahead of time. If you feel that you’re going through hard times, whether it’s become of job loss or just a lot of unforeseen circumstances, you will want to look at how many mortgage payments can be missed before foreclosure. This vital information will help you not only stay calm when financial…
  • Five Things to Consider Before Taking Out a Guarantor Loan

    Adam
    21 Oct 2014 | 6:15 am
    Five Things to Consider Before Taking Out a Guarantor Loan Loans have never been more difficult to get in the UK, with new regulations forcing banks to be much more selective in whom they loan money to. Even those with reasonably good credit can and do find themselves denied for loans. This has caused some to look for other finance arrangements, like payday loans, and in some cases even pawnbrokers. The increased difficulties these new regulations are causing for people with average credit, or who are first time borrowers, has given rise to a new type of loan. It’s known as a Guarantor…
  • House vs. Apartment: Which is Better for Investment?

    Adam
    20 Oct 2014 | 6:15 am
    Investing in property is a great way to secure a steady extra stream of income for yourself in the future. However, it’s also a path that has many forks, with many choices to make. One of the most fundamental decisions you have to face when investing in property is whether to choose a house or apartment. Below are a number of questions to ask yourself when considering this decision. Are exterior aesthetics important to you? As you can see on websites like www.coralhomes.com.au , houses have the ability to be delightful structures that look amazing. A house gives you a lot of variety to…
  • Optionshouse Review – Read Before You Invest

    Adam
    17 Oct 2014 | 6:15 am
    Hi everyone, I’m Jamie Bush from Jamie’s Money Advice and today I’m going to give you a review of a service that I prefer for all of my options trading. In fact, I switched over to them after using both Scottrade and TD Ameritrade for years. Read what I have to say to see why you too should make the switch to Optionshouse. Sign Up for OptionshouseStart investing smarter now! Optionshouse Short Review Optionshouse offers some decent tools to help you succeed as an options trader. If that wasn’t enough, they also have some of the lowest pricing in the industry. Optionshouse Pros They…
 
  • add this feed to my.Alltop

    Save Invest Give

  • Times Like These

    S. B.
    20 Oct 2014 | 10:03 am
    It's times like these you learn to live againIt's times like these you give and give againIt's times like these you learn to love againIt's times like these time and time again- Foo Fighters, Times Like TheseThe oblique reference to giving amidst suffering in the above lyrics aptly conveys one of the more enduring mysteries of our existence.  When pain and adversity come, our natural inclination is to start clutching and grasping for all things - not just money, but time, possessions, words, and even relationships.  Giving is usually the furthest thing from our mind.The irony…
  • Ranking My Startup Ideas

    S. B.
    18 Oct 2014 | 12:28 pm
    Yes, I'm going to use that word.  Startup.  And since this was not in any of my original plans, let's see how I got to where I am now.Thousands of IdeasI'm that annoying kind of person who is always looking at the world and thinking it can be improved in some way.  Every mechanical device has some deficiency that can be remedied, and every parking lot could be better designed.  Even the line at the local coffee shop could be optimized.But I'm also a skeptic.  I love shooting down my own ideas as technically unworkable or financially impractical.  And I'm also…
  • The Surprising Math of Taxable Investments

    S. B.
    5 Oct 2014 | 4:05 pm
      Most people don't seem to be aware of just how much repeated taxation affects the compounding phase of taxable investments.  I want to highlight this issue and put a slightly different slant on it than you might have seen in the past.Nontaxable InvestmentsBut first, so as not to create any confusion, I want to state for the record that it's true that the effect of a one-time taxable event at the beginning of your growth (Roth IRA) or the end of your growth (Traditional IRA) is identical, assuming the tax rates are the same.  You start with a certain amount of…
  • Asymmetric Emotions Will Kill Your Portfolio

    S. B.
    1 Oct 2014 | 5:58 am
    Fear GreedOne of the essential ingredients of successful investing is keeping a healthy balance between greed and fear.We are all familiar with how unbalanced these factors become at market tops and bottoms.  At the top, even negative information is met with more greed, and at the bottom, even positive information elicits fear.  Yet the reality is that life rarely unfolds in such a lopsided fashion.  In most situations, there are numerous favorable and unfavorable influences, and we must perform a delicate weighing of the situation.For those who select individual…
  • Life and Risk

    S. B.
    7 Sep 2014 | 5:41 am
    This summer I began to work on a number of activities outside my comfort zone.  The very first thing I learned was that I was completely unprepared for failure.  What was even more unnerving was that I thought I was ready for it.The problem was that I expected failure to be an endpoint.  I knew that I might spend months creating a new product and then experience failure because nobody would buy it.  I knew that I might create content that no one would read.  And I knew that I might exercise daily and yet still not achieve my fitness goals.  I was prepared…
  • add this feed to my.Alltop

    Take A Smart Step

  • Four Ways to Simplify Your Money Management

    Andrea
    21 Oct 2014 | 2:00 am
    I know you don’t want to spend too much time managing your finances. There are countless ways you would rather be spending that time. Picking up dog poop, scrubbing toilets and being delayed 9 hours on your way to vacation – are just a few of things you may rather be doing! In an effort to help you reduce the amount of time that you spend working on managing your money – both business and personal – here are some tips to help you simplify. Create a Process A process will help you streamline what needs to be done and keeps you focused on the tasks that need to be…
  • Five Things to Do Before You Invest in that Stock Tip

    Andrea
    14 Oct 2014 | 2:00 am
    Did you recently get a hot stock tip? Ready to run out and invest in that stock? Time to slam on the breaks! Before you put your hard earned money in a tip, you should do these five things first: Do Your Own Research Don’t buy anything unless you have done your own  research!  Often times the hot tips are not researched solid tips, but what is going around the gossip areas.  (And yes there are gossip areas for stocks!) Remember It Might Be Overvalued Keep in mind that if enough people are gossiping about that great stock there might be upward pressure on the stock price that has…
  • How to Take Charge of Your Business and Your Newborn

    Andrea
    7 Oct 2014 | 6:59 am
    Running a business is hard.   Raising kids is hard.   Running a business with a kid  is very hard!   Here are some tips that will help you get through those initial months of having a new baby!  So that you and your business come out of the toddler years in one piece.   Set a schedule – you must have a plan and try to stick with it.  Babies don’t exactly follow your schedule, but having one at least gives you a place to start your day! Expect the unexpected – as much as you should try and stick to your schedule you also need to remember that things…
  • Are You Ready for a Coworking Space

    Andrea
    30 Sep 2014 | 3:21 pm
    Click on Picture to Watch Youtube Video Are you thinking about getting some office space? Maybe joining that really cool new co-working space down the road? But you’re not quite sure your business is ready for it? I want to help you figure out if it is the right move to get dedicated space for yourself or to join a coworking space. How Often Would You Use the Space The first thing that you should do is to sit down and determine how often you would be using the space.   If you would be going there every single day, then it might be worth it.   If it’s just for client meetings,…
  • Questions to Ask a CPA Before You Hire Them

    Andrea
    23 Sep 2014 | 4:00 am
    Click Picture to Watch the Video on Youtube! Think a CPA is a luxury?  Think gain! I believe all business owners should have a CPA on their side. They can help you manage your the financial side of your business and personal finances that will ensure you are minimizing taxes, staying legal and maximizing retirement by having the right accounts in place. Yet hiring one can be overwhelming.  Here are eight questions to ask before you hire a CPA. Experience What is your experience and do you have a PTIN – you want to make sure they have been doing taxes and accounting long enough that…
  • add this feed to my.Alltop

    NerdWallet News

  • Avoid Costly Medical Billing Mistakes with Communication

    Advisor Voices
    22 Oct 2014 | 8:29 am
    By Martine G. Brousse Learn more about Martine on NerdWallet’s Ask an Advisor It has become all too common for patients to receive overinflated, incomprehensible, erroneous, unexplained medical bills, sometimes from mystery providers. After all, if all bills were correct and justified, I — and other billing advocates — would be checking job posts. Patients’ usual reactions are discarding the statement as a mistake, placing it on the to-do list (or is it the never-to-do pile?), waiting for a miracle, appealing the insurance, getting upset at the phone representative or asking nicely…
  • As World Series Begins, How Much Will Payrolls Matter?

    NerdWallet
    21 Oct 2014 | 5:30 pm
    The World Series begins Tuesday night, and the story going in is the revival of the Kansas City Royals. A franchise that had not been to baseball’s postseason for 29 years swept through the first two rounds, and are just four wins away from ending a long drought. Meanwhile, their opponents, the San Francisco Giants, are going for their third championship in six years. The Royals are here for several reasons: They developed young talent through their minor league system, made a few shrewd personnel moves and have a bullpen that can effectively end games after six innings. They also…
  • Social Lending Circles Help Subprime Consumers Build Credit

    Teddy Nykiel
    21 Oct 2014 | 8:57 am
    Two years ago, Javiar Giron went bankrupt. The 46-year-old father of three had been doing fine since he came to the U.S. in 1985: He learned English on the street, bought a house and managed a carpet business. He began buying and selling, or “flipping,” houses on the side, but that tanked with the housing market and he lost two of his properties to banks. Giron is emerging from the financial hole he spiraled into by participating in a lending circle – a form of peer-to-peer finance – as a way to save money with a no-interest, no-fee microloan and to build up credit. Participants in…
  • Apple Pay Launches Today, But Will It Work With Your Card?

    John Stephens
    20 Oct 2014 | 11:16 am
    Apple’s much-anticipated mobile payment system, Apple Pay, officially launched Monday, Oct. 20, allowing millions of iPhone 6 and iPhone 6+  users to make point-of-sale purchases using their devices. Unlike other mobile wallet systems, such as PayPal and Google Wallet, Apple Pay incorporates users’ existing credit and debit cards, allowing users to virtually switch between cards prior to making a purchase. Will my card work with Apple Pay? Some credit and debit card issuers have been touting capability to their cardholders. Prior to launch, Apple struck deals with Visa,…
  • World Series: 8 Ways Bud Selig Changed Baseball

    Tony Armstrong
    20 Oct 2014 | 9:56 am
    With all the fanfare surrounding New York Yankee Derek Jeter’s final season in the big leagues, relatively little has been made of Major League Baseball Commissioner Bud Selig’s impending retirement in January. Selig’s 22-year reign  has seen the MLB grow from a $1 billion industry in 1992 into one worth nearly $9 billion today. Here’s a look at eight other ways baseball has changed since Selig took the commissioner’s chair. 1. Surging salaries In 1992, New York Mets slugger Bobby Bonilla was the league’s highest-earning player, raking in just over $6 million. While the…
 
  • add this feed to my.Alltop

    The Truth About Credit Cards.com

  • MasterCard and Zwipe Launch Biometric Credit Card

    Colin Robertson
    20 Oct 2014 | 11:27 am
    By now everyone is familiar with Apple Pay, which is expected to completely change the way we pay for things. Instead of using a plastic credit card, we’ll be able to touch our iPhones to a payment terminal and select any card in our virtual wallet to complete the transaction. Apple Pay users will also [&hellip
  • Get 5% Cash Back at the Retailer of Your Choice with Discover

    Colin Robertson
    10 Oct 2014 | 12:05 pm
    Discover is running a nice little promo that lets you choose where you want to earn 5% cash back from now until November 30, 2014. This is in addition to their regular quarterly cashback calendar (check right sidebar for current deals), which from October 1st until the end of the year offers 5% cash back [&hellip
  • Get Nearly Free Lunch or a Free Ride with Uber and American Express

    Colin Robertson
    9 Oct 2014 | 9:35 pm
    Have an American Express card? Yes? Good. Use Uber? Yes? Good. You might be able to get a free $10 then. Simply log on to your account at American Express and toggle over to the “Amex Offers for You” section to see if the Uber offer is in there. I found it via my old [&hellip
  • Get $20 for Every Credit Card You Add and Use with Softcard This Month

    Colin Robertson
    6 Oct 2014 | 3:06 pm
    Good deal alert! From now until October 31st, 2014, when you add a credit card to Softcard and simply use it to tap and pay once, you’ll get a $20 Amazon gift card. It’s that easy. Well, there are some restrictions, which I’ll explain. For one, only participating credit cards are eligible for the $20. [&hellip
  • Get 80,000 Ultimate Rewards Points for Referring a Spouse to Chase Ink Plus

    Colin Robertson
    30 Sep 2014 | 10:30 am
    I’ve already talked about how Chase Ink offers one of the best sign-up bonuses in the industry. And I declared that when they were only offering 60,000 bonus points. They’ve since upped it to 70,000 points when you spend $5,000 in the first three months. But that’s not all! Now certain existing Chase Ink Plus [&hellip
  • add this feed to my.Alltop

    Moneycation

  • Financial news: October 24, 2014

    A.W. Berry
    24 Oct 2014 | 3:00 am
    • NYT: Multi-unit property construction on the rise to accommodate growing renter market• Zero Hedge: Corporate stock repurchases boost EPS by reducing shares outstanding• MW: Eurozone manufacturing rose slightly in Oct. per PMI rise of .2 to 52.2• RealtyTrac: Negative mortgage equity adds up to $1.4 trillion and 15% of homes • AOL: Small businesses can compete via customer service rather than price & brand• BBC: Lloyds Banking Group to cut 9,000 jobs or 10% of its workforce over 3 yrs• Bloomberg: Eurozone bank regulations risks accomplishing growth objectives• CNBC: Only…
  • Top 4 free video conferencing programs

    A.W. Berry
    23 Oct 2014 | 6:00 am
    By Mark Stubbles Video conferencing is becoming more and more popular among major businesses and corporations. Video conferencing helps to promote happy workers, it needs less travel and commuting time, creates better communication, it's Eco-friendly, and you can save money by using video conferencing within you're business. There are several platforms available to use for video conferencing. Below is a list of a few that have proven to offer more and are much more professional.Google+ The first program is Google+ Hangouts. The service is very basic but offers what is required, a hangout…
  • Financial news: October 23, 2014

    A.W. Berry
    23 Oct 2014 | 3:00 am
    • CNN: Social Security payments to rise 1.7% or $22 for average retirees in 2015• Reuters: Two commercial jet manufacturers to produce fuel from cooking oil• AP: High demand & plane production propelled Boeing into $1.36B of profit in Q3• CNBC: High consumption of domestic products reduces U.S. reliance on exports• NYT: Looser lending restrictions in several states has weakened consumer protection• BI: Stamps, vintage cars and diamonds offer alternative safe havens for investors• BLS: Sept. seasonally adjusted consumer inflation rose .1%; 12 month CPI up 1.7%• MW: Gold…
  • 9 steps to building and selling a company in 24 months

    A.W. Berry
    22 Oct 2014 | 6:00 am
    By Rob JohnsonStep #1: Find a single customer to buy a service from youFollowing a business plan helps reveal the route to successPreferably this is a service that's hot and growing. Check out Google Trends and see if the search terms for this particular service are growing. Right now some things that are hot are:Social media marketingHelping companies accept bitcoinProviding services to companies who want to publish a kickstarter campaignIt doesn't necessarily have to be something that's growing massively, it can be something that's stable as well like carpet cleaning or moving services.
  • Taxes for U.K. LLPs set to be introduced

    A.W. Berry
    22 Oct 2014 | 5:00 am
    Since April this year, members of Limited Liability Partnerships (LLP) have been subjected to new taxation rules.   Tax law changes reduce partnership classificationsThese changes have been introduced in order to limit the number of people working for LLPs who were classified as partners rather than employees. For businesses affected by these changes, it’s important to understand exactly what the new rules entail and to ensure your company doesn’t fall outside of the legislation.Why were the changes brought in?Traditionally, there have been a number of different sectors…
  • add this feed to my.Alltop

    LCF on Personal Finance

  • Here’s how you really recognize true wealth which you don’t see

    ChingFoo Lieu
    21 Oct 2014 | 6:33 am
    When you meet someone who drives a RM 300,000 car, do you think this way: That he has RM 300,000 less in the bank now (if he bought in cash)…or… more than RM 300,000 in debt, than he did before he bought the car…or… he earns at least RM 300,000 a year after tax income (it is not uncommon to drive a car that is at least a year’s worth of one’s income in Malaysia). We seldom think of it that way. Most of our perception of wealth is shaped via material possession, especially by what we see other people have. Since we don’t have access to their net…
  • Unbelievable Money mindset we all can learn from this Malay dude’s story

    ChingFoo Lieu
    13 Oct 2014 | 8:43 pm
    We can complain all we want on the hike in fuel prices or when some “experts” said that RM 2,500 monthly salary is sufficient for fresh graduates. If we stick to complaining, nothing is gonna change. Action & execution speak louder than words – best exemplified by Faizul Ridzuan, author of WTF? 23 Properties by 30 in his recent Facebook wall post. Not being racist here but to quote Tan Sri Clement Hii – “…I won’t know how the perception of Malays being “lazy” come about. But I have Malay friends, staff and business associates who are…
  • Road Accidents, Investment and Financial Planning

    ChingFoo Lieu
    2 Oct 2014 | 7:55 pm
    Despite the high road accident rate in Malaysia, we continue to drive everyday as normal. Of course, no one is a fool as we all are aware of the risks on the road but we manage it by cautious driving. And we will definitely disallow our young children to drive as they are not old enough to know the danger. When it comes to investment, there is always a risk of losing money but we still need to invest to hedge against inflation. The risks, then, are managed through careful asset allocation and diversification. As for investment, we learn from own experience or better, from experience…
  • Life Planning – use “Start with Why” to see tangible result

    ChingFoo Lieu
    23 Sep 2014 | 8:26 pm
    Most of us undermine the importance of planning our finances. The maxims of “Spend less than you earn”, “Invest for Long Term”, “Never get into Bad (aka Lifestyle Debt) and “Protect what we cannot lose with insurance” immediately come to mind. Nobody is stupid – we KNOW it is important to practice/kick start them sooner or suffer the consequences in later days,  yet often, we Procrastinate about it. Why? It probably has to do with how we, homo sapiens, are naturally emotional creatures. We act and make decisions driven not by reasons, but by something…
  • The Reality of Mortgage before Marriage

    ChingFoo Lieu
    17 Sep 2014 | 6:59 am
    Which is applicable for you? 1) “First come love, then comes marriage, then comes mortgage and then the baby”. 2) “First comes love, then comes mortgage, then comes marriage and then the baby”. 3) “First comes love, then comes a baby, then comes marriage and then the mortgage” I am in this sequence (2). In our parents time, sequence (1) is more likely but it is just getting rarer now. Anybody who has experience sequence (3) – well, just to acknowledge that it is also not uncommon nowadays! Anyway, I digress. The gist of the matter is that it is just…
 
  • add this feed to my.Alltop

    Money Soldiers

  • How to Save Money on Your Homeowners Insurance

    Arnel Ariate
    23 Oct 2014 | 7:02 am
    Homeowners insurance is more than a good idea, it’s an essential.  The unexpected happens every day, and it’s best to be prepared.  Or, at least, as prepared a sensible homeowner can be.  Suppose you’re fast asleep one night, and a water pipe bursts flooding the basement.  The cost of repairs can run into the thousands.  […]How to Save Money on Your Homeowners Insurance is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How to Save Money with Your Credit Cards

    Arnel Ariate
    22 Oct 2014 | 7:43 am
    Usually, when people talk about saving money, the first advice they give is to ditch the credit cards.  It’s good advice (to a point), but it doesn’t really take into account real life situations.  Truth be told, we all depend on credit at one time or another.  It might be a bank loan, a credit […]How to Save Money with Your Credit Cards is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Smart Strategies for Forex Money Transfers

    Arnel Ariate
    21 Oct 2014 | 6:18 am
    Some people use the expression that time is money and when it comes to completing a deal or paying for something urgently, there is certainly an element of truth in that statement. If you need to get money to someone abroad safely, securely and swiftly, you will need to find the right system and someone […]Smart Strategies for Forex Money Transfers is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Don’t I Already Have Insurance?

    Arnel Ariate
    18 Oct 2014 | 12:36 am
    Before making any decisions pertaining to insurance and get life insurance quotes or income protection insurance quote, or others, it is always a good idea to evaluate the level of coverage you already have.  This sort of evaluation normally reveals a number of things.  In some cases, it reveals that one is actually over-insured.  This […]Don’t I Already Have Insurance? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Business Planning for Turning Ice Cream into Cash

    Arnel Ariate
    17 Oct 2014 | 11:51 pm
    You’re looking to start an ice cream shop – kudos to you.  One of the major stumbling blocks ahead of you is cash.  Every ice cream shop experience a lean time, usually in the off season when buyers are looking for hot soup instead of cold cream.  Here’s how to make a business plan that […]Business Planning for Turning Ice Cream into Cash is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • add this feed to my.Alltop

    Hull Financial Planning

  • Thanks for Saving More Money!

    Jason Hull
    23 Oct 2014 | 6:00 am
    “Gratitude is the healthiest of all human emotions. The more you express gratitude for what you have, the more likely you will have even more to express gratitude for.” –Zig Ziglar James Altucher has had ups and downs in his life. The founder of StockTwits has been a millionaire before. Then he lost everything. Then […]Learn to beat your Monkey Brain and Accelerate Retirement. Thanks for Saving More Money! is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Could You Set Aside 78% More Money for Retirement? The Life Cycle Saving and Investing…
  • The Mental Challenge of Keeping a Manager Who Has Failed Fast

    Jason Hull
    16 Oct 2014 | 6:00 am
    “If at first you don’t succeed, destroy all evidence that you have tried.” –Steven Wright Most entrepreneurs love to embrace new buzzwordy business styles. Six sigma. Lean. Lean six sigma. Agile. Flat organizations. No titles. Lean six sigma flat org charts with no titles. Fail fast. I’ve dealt with all of these types of organizations […]Learn to beat your Monkey Brain and Accelerate Retirement. The Mental Challenge of Keeping a Manager Who Has Failed Fast is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Play the Market Like a Hedge…
  • The Psychology of Debt – A Battle Between Your Two Brains

    Jason Hull
    9 Oct 2014 | 6:00 am
    “Promises make debt, and debt makes promises.” –Dutch Proverb I received my first credit card when I was a plebe at West Point. Perhaps there should have been a hazing ritual to go along with it so that I would have been more scared of it than I was, but, hey, I was a plebe. […]Learn to beat your Monkey Brain and Accelerate Retirement. The Psychology of Debt – A Battle Between Your Two Brains is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Small Business Debt is Debt Too Use Anti-motivation to Pay Down Debt The Psychology of Fiduciary…
  • Making Money in Your Investments Doesn’t Make You a Great Investor

    Jason Hull
    2 Oct 2014 | 6:00 am
    “The one thing that unites all human beings, regardless of age, gender, religion, economic status, or ethnic background, is that, deep down inside, we all believe that we are above-average drivers.” –Dave Barry Do you think that you’re a good driver? You probably do. Why do you think that? You’ve probably only been in a […]Learn to beat your Monkey Brain and Accelerate Retirement. Making Money in Your Investments Doesn’t Make You a Great Investor is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Counting Your Money Isn’t the Same as…
  • If I Probably Will Not Receive a Life Insurance Benefit, Why Buy It?

    Jason Hull
    25 Sep 2014 | 6:00 am
    “Insurance is the only product that both the seller and buyer hope is never actually used.” – Unknown Chances are pretty good that as long as you’re buying life insurance for insurance’s sake – meaning income replacement – and not as an investment or for some other reason, you’re not going to receive the benefit. […]Learn to beat your Monkey Brain and Accelerate Retirement. If I Probably Will Not Receive a Life Insurance Benefit, Why Buy It? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: What to do if You Receive a Life Insurance…
  • add this feed to my.Alltop

    Listen, Money Matters!

  • Extreme Productivity Tips with Mike Vardy from Work Flow and Productivityist (Ep. 214)

    Candice Elliott
    24 Oct 2014 | 3:00 am
     Wish you could get more done in your day?  Mike Vardy from Productivityist joins us to share tips on how to optimize your time and get shit done. We all have the same twenty four hours in a day but some of us are better are maximizing those hours to get more done.  How do you go from being a master procrastinator to a productivityist? Stop checking your e-mail first thing!  It’s our natural inclination but those e-mails are telling you what others need you to do rather than what you know you need to get done.  You can’t not check it at all, but get done what you know you…
  • How Money Inequality Can Hurt Your Relationship

    Candice Elliott
    23 Oct 2014 | 5:00 am
    Money is a big point of contention for a lot of couples.  When we envision that we think of two people who are both scraping by and lack of money is a point of stress. Someone buys a video game or a new pair of shoes and it starts a fight.  Or the couple comprised of one spender and one saver.  The spender is always angry at what they consider the miserliness of the saver and the saver is angry at what they consider the profligate behavior of the spender.  We all know couples like those and have probably been part of one at some point in our lives. It Starts Out Great! What I want to talk…
  • Exploring the Investor Mind Set (Ep. 213)

    Candice Elliott
    23 Oct 2014 | 3:00 am
    If you’re not an investor they can seem like a different species.  But they’re human too, we’ll discuss what makes them different from the rest of us. Nerd culture is having its moment.  No one is afraid to admit they love Doctor Who or Lord of the Rings.  But no one really goes around bragging that they’re an investor, not even Andrew. We would describe an investor as someone looking for long term benefit.  And we don’t mean buying and holding Beanie Babies.  If you love Beanie Babies, great.  Buy all you can afford.  But don’t expect to sell them…
  • Are We Loving Our Kids Too Much with Adam Carroll (Ep. 212)

    Candice Elliott
    22 Oct 2014 | 3:00 am
    We first met Adam when he came on to talk about his movie about college loan debt.  He’s back to discuss loving our kids too much. What a weird concept.  Loving your kids too much.  But it can be true.  By giving them too much, by coddling them from every possible disappointment, we turn them into ineffectual adults. From ensuring that everyone gets a trophy to always giving them money when they ask, kids today can’t handle normal disappointment and have never had to work or struggle for anything.  Mom and Dad are always waiting, poised to smooth whatever path their children…
  • How I’m Escaping Debt With Automation

    Andrew Fiebert
    21 Oct 2014 | 5:00 am
    To the uninitiated, debt happens. For me it came way later in life when I had my guard down. I’ve been an ultra-conscious debt avoiding maniac but it seems after 14 years of focus, all I had to do was take my eye off the ball once. Not only did I take swift action to fix the problem but I leveraged technology and my laziness to make sure it stayed out of my hair. In this article I’m going to detail everything I did to turn my situation around. The Concept In case you didn’t know, I have a daily podcast where I talk money. That meant that I was not only ridiculed by my…
 
  • add this feed to my.Alltop

    Equifax Finance Blog

  • When Should I See a Financial Planner?

    Michelle Stoffel Huffman
    23 Oct 2014 | 5:26 am
    How do you know if you’re ready for a financial planner? After all, it’s sort of a strange proposition: You’re spending money on someone who will tell you how to spend your money. But that’s exactly why millions of people see financial planners in the first place. “Typically, people who come to me are already asking really good financial questions, but aren’t really sure who to ask them to,” says Sophia Bera, who runs Minnesota-based Gen Y Planning. “They’re usually reading personal finance blogs and can say to themselves, ‘Ok, I’m contributing to my 401(k), and we have…
  • What Is Pay-As-You-Drive Insurance?

    Ilyce Glink
    22 Oct 2014 | 5:23 am
    While the National Association of Insurance Commissioners reports that the average annual cost for auto insurance has declined over the past year, some consumers may still be looking to save money on their policies. One way that consumers may choose to lower their insurance payments is by taking advantage of a program known as pay-as-you-drive (PAYD), also known as a usage-based program. What is a PAYD program? A PAYD program is a discount strategy that auto insurance companies use to encourage safe driving habits. While the details of this type of program differ between companies, most offer…
  • Why Estate Planning Documents Should Be Part of Your Financial Planning Strategy

    Steve Repak
    21 Oct 2014 | 5:44 am
    There is an old saying that people spend more time planning for a vacation than they do for retirement. You can imagine that most people spend even less time with estate planning. Planning for death or incapacity might not be on your bucket list, but it must be considered, especially when it relates to your overall financial planning strategy. When you die, your assets will go somewhere Whether or not you have your estate planning documents in good order, your assets will go somewhere. They just might not go where you want them to go if you don’t have your estate planning documents…
  • What to Look For When Buying an Investment Property

    Steve Cook
    20 Oct 2014 | 5:18 am
    There’s nothing new about buying a house and renting it out to make some extra income, but the flood of foreclosures that began in 2007 sparked fresh interest in purchasing rental real estate for investment. Today, millions of individual investors, as well as huge Wall Street hedge funds, have invested billions of dollars into purchasing houses, fixing them up, and renting them out. Rental real estate is one of the few investments that generate significant returns while you still own the asset. But how do you know you’re choosing the right property? What constitutes a good rental…
  • Should I Choose Term or Permanent Life Insurance?

    Loretta Worters
    17 Oct 2014 | 7:38 am
    Let’s face it: few people like to talk about life insurance, let alone buy it. Benjamin Franklin, who was instrumental in creating the first life insurance company, the Presbyterian Ministers’ Fund, subsequently found that various religious authorities were outraged at the practice of putting a value on human life. Criticism cooled, however, when it was seen that life insurance protected widows and orphans. While the fear associated with life insurance has also calmed, choosing the right type of life insurance can be daunting. Here are some guidelines that can help you narrow down…
  • add this feed to my.Alltop

    Personal Finance Updates

  • ‘Invisible’ Credit? (Read This Now!) – NYTimes.com

    MColden
    6 Oct 2014 | 5:47 am
    ‘Invisible’ Credit? (Read This Now!) – NYTimes.com http://opinionator.blogs.nytimes.com/ Thu, 02 Oct 2014 16:30:25 -0700 Millions of financially responsible consumers don’t have credit scores and can’t get loans. Now there are ways to make them ‘visible’ to lenders. If Congress passed a law requiring everyone in the United States to get a license to be considered […] The post ‘Invisible’ Credit? (Read This Now!) – NYTimes.com appeared first on Personal Finance Updates.
  • 6 Tips to Help You Reduce Credit Card Debt – Military Saves

    MColden
    14 Apr 2014 | 1:52 am
    6 Tips to Help You Reduce Credit Card Debt – Military Saves 3. Leave your card at home. If you truly want to begin decreasing your credit card debt, begin leaving your card at home. Doing so will prevent impulse purchases of items you don’t really need. If you have trouble doing this, … Original article […] The post 6 Tips to Help You Reduce Credit Card Debt – Military Saves appeared first on Personal Finance Updates.
  • 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet

    MColden
    14 Apr 2014 | 1:51 am
    5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet Besides the emergency-related planning that you need to do, there are many ways single parents can manage their finances in an effective manner. Read on to learn five finance tips for single parents, and how to make them … Original article on http://wallstcheatsheet.com Sun, […] The post 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet appeared first on Personal Finance Updates.
  • Home Mortgage Tips That Can Help You Out |

    MColden
    14 Apr 2014 | 1:49 am
    Home Mortgage Tips That Can Help You Out | Buying a home can be a life changing experience, so be sure that you know what goes into getting approved for your home mortgage. There are quite a few things that you’re going to need to do, and this article is going to … Original article on […] The post Home Mortgage Tips That Can Help You Out | appeared first on Personal Finance Updates.
  • 8 tips for spring cleaning your finances – - MSN Money

    MColden
    8 Apr 2014 | 1:41 am
    8 tips for spring cleaning your finances – - MSN Money It’s time to toss those dusty bank statements and shop around for better rates. – MSN Money how-to-budget tips and articles. Original article on http://money.msn.com Tue, 01 Apr 2014 15:15:00 GMT Read more … The post 8 tips for spring cleaning your finances – - MSN Money appeared first on Personal Finance Updates.
  • add this feed to my.Alltop

    Bargains with Brittanie

  • Target: FREE Shipping Through the Holidays!

    Brittanie
    23 Oct 2014 | 10:14 am
    Getting your holiday shopping done from home is going to be easier than ever! Now through the holiday season Target is offering FREE Shipping on all orders! There is no promo code needed to take advantage of this promotion. You will see an option to select free standard shipping during checkout. This is going to […] The post Target: FREE Shipping Through the Holidays! appeared first on Bargains with Brittanie.
  • List of 10 FREE eBooks 10/23/14

    Brittanie
    23 Oct 2014 | 9:41 am
    Below is your List of 10 Free eBooks 10/23/14 Simply click the links of the ones you want to download and save them to your Kindle, computer, or tablet. Keep in mind these are free at the time of posting and prices can change at any time so please double check the price prior to […] The post List of 10 FREE eBooks 10/23/14 appeared first on Bargains with Brittanie.
  • Give Your Baby the Gift of Communication with a Baby Sign Language Kit

    Brittanie
    22 Oct 2014 | 7:59 pm
    Disclosure: I received a free product in exchange for this publication. The opinions expressed remain my own. Communicating and understanding your baby before they can talk is one of the hardest things to do especially when they are sick. As a parent you just want to know what is wrong so you can fix it. […] The post Give Your Baby the Gift of Communication with a Baby Sign Language Kit appeared first on Bargains with Brittanie.
  • Marvel’s AVENGERS: Age of Ultron Teaser Trailer!

    Brittanie
    22 Oct 2014 | 7:43 pm
    I am really excited to share this with you all because I love the Marvel movies! Below is the Marvel’s AVENGERS: Age of Ultron Teaser Trailer! This one looks like it is going to be really good. It is set to release in May 2015. Marvel Studios presents “Avengers: Age of Ultron,” the epic follow-up to the […] The post Marvel’s AVENGERS: Age of Ultron Teaser Trailer! appeared first on Bargains with Brittanie.
  • Lalaloopsy Diaper Surprise- Top Toy of 2014

    Brittanie
    22 Oct 2014 | 5:34 pm
    Disclosure: I received a free product in exchange for this publication. The opinions expressed remain my own. Lalaloopsy has released new toys just in time for the holidays! Your little girls can enjoy their favorite characters as babies and learn how to be a mommy with the New Lalaloopsy Diaper Surprise! Each Lalaoopsy doll “poops” […] The post Lalaloopsy Diaper Surprise- Top Toy of 2014 appeared first on Bargains with Brittanie.
 
  • add this feed to my.Alltop

    The Simple Money Blog

  • When was the last time you reassessed your budget?

    Angela and Kirby
    20 Oct 2014 | 4:30 am
    KJ: Sometimes, it seems like money pours out of the bank account, so what better time to see if your current plan is really what is right for you at this stage in your life? It’s easy to keep coasting … Continue reading →
  • Personal umbrella liability insurance: what you need to know

    Kirby
    13 Oct 2014 | 4:30 am
    KJ: If you are like us, you’re working toward your goals. And working toward your goals (be it children’s education, retirement, or just financial independence) means saving money. Over time, you want to see that your money is protected in … Continue reading →
  • Adapting to a better life

    Angela and Kirby
    8 Oct 2014 | 5:15 am
    AJ: I don’t often read Oprah’s magazine, but I read the September 2014 issue and felt a strong connection to a point she drove home in her final thoughts. From her article entitled Best Advice Taking Care of Yourself she … Continue reading →
  • Seven money mistakes you shouldn’t make in your 30s

    Angela
    30 Sep 2014 | 6:45 am
    AJ: KJ and I eat, sleep and breathe money talk. KJ works in finance, I manage a really large budget as part of my job, and we’re budgeting and planning obsessed. So when I come across an article that gives … Continue reading →
  • The oh-so-simple secret to building long-term wealth

    Kirby
    22 Sep 2014 | 4:30 am
    KJ: And…the oh-so simple secret to building long-term wealth boils down to a few basic concepts: time and patience. That’s it. Take patience, and add in a little bit (or a lot a bit) of time, and voila! The inspiration … Continue reading →
  • add this feed to my.Alltop

    My Money Design

  • Do Grades Really Matter?  What Really Counts When It Comes to Your Career

    MMD
    20 Oct 2014 | 2:00 am
    I was an A-student back in school.  I worked very hard to get them.  I knew that they were my ticket to something bigger and greater.  At least that’s what I used to believe – until I realized that the only things bigger and greater were the ones I found on my own. Don’t think that that’s true?  Then how is it that you and your colleagues can all be so diverse in your backgrounds and academics, yet you all do the same job.  You probably all get paid roughly about the same too.  In some instances the people who did worse in school are the boss or actually make more than you do.
  • Good Scary Movies to Watch this Halloween – 2014 Edition

    MMD
    18 Oct 2014 | 8:14 am
    I wanted to take this opportunity to break up our normal regimen of posts devoted to serious personal finance topics and dive into something far more entertaining: Good scary movies to watch this Halloween! If you’re like me and always looking for some good, cheap fun around Halloween-time, then there is nothing better than renting a couple of really scary movies from the Redbox or Netflix that will leave you scared to go to bed. This is the third edition of my “good scary movies” post.  You can find my past horror movie picks from 2013 and 2012 at these links with reviews of some of…
  • Should I Do a 401k to IRA Rollover?  The Benefits and Drawbacks

    MMD
    13 Oct 2014 | 2:00 am
    Recently during a discussion with my money coach client there was a very important question that came up:  “I have an old 401k with a former employer that is still sitting right where I left it.  I’m wondering if I should make a 401k to IRA rollover or simply leave the money right where it is?” That’s a really good question. I’m sure for a lot of people (myself included) that the money you have in your 401k account is probably the largest percentage of your wealth you have saved up – anywhere!  Even if you’ve got nothing more than the average 401k balance of $81,000 as…
  • Niche Website Update 22 – $1,203 in Income – Exploding Success with ClickBank!

    MMD
    6 Oct 2014 | 2:00 am
    As much as I like to talk about saving and investing, the most lucrative way I’ve found to improve your overall financial situation is to simply earn more money.  While making a side income might be an impossible task for some, I’m here to show you that it is in fact possible if you put your mind to it. Especially if you’re a blogger (like me) or even thinking about starting your own website, then you’ve got a wealth of opportunity sitting right in front of you.   You just have to be willing to be an entrepreneur and work your way at it. This month my collection of niche websites…
  • What is the Minimum Retirement Savings You Could Comfortably Live On?

    MMD
    29 Sep 2014 | 2:00 am
    One of the hallmarks of a solid early retirement plan is thinning out your expenses as much as possible. To a lot of people they will probably interpret this to mean shaving a few hundred bucks off by not eating out every night or scaling back on their trips to the mall.  Those kinds of things are good, but we’re talking about going a whole lot further.  For someone who wants to retire early really, really badly, part of what they’ll do is clip back their expenses to the point of virtual non-existence. Why would they do this?  Simple.  The fewer expenses you have means you’ll only…
  • add this feed to my.Alltop

    The Quizzle Wire

  • Avoid the pitfalls of rewards credit cards

    David Quilty
    23 Oct 2014 | 6:00 am
    Rewards credit cards are so popular because they offer you the chance to receive benefits from spending money. Your spending could mean cash back, free airfare, or any number of other rewards. While the savvy shopper can gain a lot from the right credit card rewards program, it’s also important to remember that there are pitfalls involved with rewards credit cards. If you don’t avoid the pitfalls, you could end up in debt, and paying a high rate of interest that offsets any reward you might earn. Spending without a plan It’s easy to spend money without a plan when you use a credit card.
  • Are there benefits to a falling market?

    Miranda Marquit
    22 Oct 2014 | 2:00 pm
    Recently, we saw a bit of volatility in the stock market. There were multiple days of three-digit drops (and even some days that included three-digit gains) for the Dow Jones Industrial Average. When stocks fall, it’s easy to panic and get bent out of shape. However, that’s rarely the best way to maintain sanity, or your finances. Rob Berger, writing for Forbes, offers a few benefits of falling markets: Get more shares with monthly contributions: When you have an automatic investment plan, whether it’s for your IRA or with your employer’s 401(k), your monthly contribution goes further…
  • 5 Things Not to Do Before You Close on Your Mortgage

    Melissa Batai
    22 Oct 2014 | 6:00 am
    You’ll often face a window of 60 to 90 days from the time you’re prequalified for your mortgage to the time you actually close on your new house.  Most people wait patiently, eager to get into their new home. However, some have learned the hard way that there are things you should NOT do while waiting to close on your new home.  Do these things, and you could jeopardize qualifying for your mortgage and losing out on the house you so carefully chose. If you’ve been qualified for a home loan and are waiting to close, avoid doing these things:  Quitting your job.  If you…
  • How to open a custodial investment account for your child

    Miranda Marquit
    21 Oct 2014 | 6:00 am
    Earlier this year, when I sat with my accountant to talk taxes, the subject turned to my son. He will be 12 soon, and I wondered about hiring him to do work for my home business. I wanted to pay him, and then have him put some of his earnings in an investment account to grow over time. My accountant said that it was a good idea. But, of course, my son is a minor. He can’t just open an investment account. I need to open it for him. So that’s what I did. I opened a custodial Roth IRA for my son so that he can invest half of his earnings from doing administration-type tasks for my home…
  • Even President Obama has his credit card declined

    Miranda Marquit
    20 Oct 2014 | 9:58 am
    There are few things as embarrassing as having your credit card declined. Even though you might be paying your bills on time, and you have plenty of available credit, your card could still be declined. President Obama found that out the hard way, not too long ago, according to FOX News. Under-used card triggers fraud alert The President’s credit card was declined in a cafe in New York not too long ago because, apparently, he doesn’t use that card very often. When he tried to pay his bill with a credit card, the issuer declined payment because it triggered a fraud alert. Since the card…
 
  • add this feed to my.Alltop

    SideHustle HQ

  • Drew Brees Expands his Sandwich Side Hustle

    SideHustleHQ
    22 Oct 2014 | 5:22 pm
    New Orleans Saints’ quarterback and Big Ten Conference record-holder, Drew Brees,  not only excels on the field, but  is also an avid entrepreneur. According to Franchise Times Brees is the owner of 5 Jimmy John’s Gourmet Sandwiches’ franchises and plans to own 20 more. Jimmy Johns was founded in 1983 by a 19 year old with a dream and hustle. Are you interested in a Jimmy John’s franchise?  According to the Jimmy John’s website,  “You’ve got to love life, kids, music, dancing, your grandparents & sandwiches.”  You will also need $80,000…
  • Jessica Alba’s Side Hustle Success

    SideHustleHQ
    18 Oct 2014 | 5:12 pm
    Actress Jessica Alba famous for roles in Spy Kids 4 and Little Fockers  and her co-founder, launched The Honest Company in 2011, which has since become a great success. Alba’s business idea was to create a subscription e-commerce startup, which allows customers to sign up for different monthly bundles of their eco-friendly line of products for baby, family, and home, and also sells via small-scale partnerships with bricks-and-mortar retailers. Alba became passionate about the idea after she became a mother, and saw the need for a line of safe, convenient, eco-friendly products for babies…
  • Starting a Calligraphy Side Business

    SideHustleHQ
    11 Oct 2014 | 12:56 pm
      In today’s highly technological society, it sometimes seems like there’s little interest in artistry anymore. However, the fact of the matter is that there’s a growing backlash against automation and generic, mass-produced products. You can profit from this trend by starting a boutique calligraphy side business. If you have a genuine love for typography and aren’t afraid of learning a new skill, the calligraphy business can be very remunerative. The key to making such a business worthwhile is knowing your audience and pursuing it in an intelligent fashion.
  • When You Need To Make Money Now

    SideHustleHQ
    4 Oct 2014 | 10:14 am
      Nothing is worse than needing money in a crunch and having no way to accrue it via ordinary means. Fortunately, there are plenty of earnings opportunities available to you when times get tough. Here are more than a dozen great ways to put together a few hundred dollars in a hurry when you need money now. Perform Some Manual Labor You’d be surprised at how much money you can make by hitting up Craigslist and signing on for some one-off gigs. General manual labor such as moving jobs can make you an easy $100 per day or more even in low-wage markets. A weekend of hauling furniture…
  • Sarah Jessica Parker- Stepping into Side Business Success with a Shoe Line

    SideHustleHQ
    25 Sep 2014 | 6:46 pm
    Day Job:  Actress Business: SJP Collection, Shoes, Handbags, & Outerwear Sarah Jessica Parker is well-known for her leading role as Carrie Bradshaw in HBO’s hit show, “Sex and the City”.  Jessica Parker  has turned her character’s on-screen love for shoes to a thriving shoe and handbag business. Recenty, Jessica Parker launched the  SJP Collection, the Nordstrom-exclusive line of shoes handmade in Italy, exquisite handbags and outerwear.
  • add this feed to my.Alltop

    Covenant Trust Company

  • Remembering former CTC president, Chuck Walles (1938-2014)

    Covenant Trust Company
    23 Oct 2014 | 8:59 am
    The following was written by Patty Conrad, retired corporate secretary of Covenant Trust Company. When President Emeritus Chuck (“Only my mother used to call me Charles.”) Walles joined Covenant Estate Planning Services/Covenant Trust Company in 1991, he brought his entrepreneurial business leadership and experience of service in the United States Coast Guard to his new […]
  • After a long period of calm, volatility may be back

    Covenant Trust Company
    16 Oct 2014 | 12:11 pm
    Since the beginning of October concerns about signs of weaker growth abroad have outweighed positive US corporate earnings reports and global stock market volatility has gone extreme. The Dow Jones Industrials saw triple-digit swings several days in a row that wiped out all of the index’s year-to-date gains. This volatility sent investors once again seeking […]
  • Four simple ways to save

    CTC - Ruser Saldaña
    24 Sep 2014 | 1:30 pm
    Jean Chatzky (financial editor for the “Today” show) thinks saving money is simple. At least theoretically. And theoretically, I agree. It’s like losing weight: if you want to drop a few pounds, you must burn more calories than you consume. Similarly, to save money, you need to make more money than you spend. However, we […]
  • CTC tips: calculating debt

    Covenant Trust Company
    17 Sep 2014 | 9:33 am
    According to Nerd Wallet, the national average credit card debt is $15,607; the average mortgage debt is $153,500; and the average student loan debt is $32,656. Even if your debt isn’t as high as these averages, it can still wreak havoc on your finances. Perhaps your debt payments are affordable. However, that doesn’t mean you’re in a financially healthy situation. […]
  • Risk and Return

    Covenant Trust Company
    8 Sep 2014 | 7:24 am
    Risk and return – these are the basic concepts in the investing realm.  In order to achieve a greater return, the investor must be willing to take on greater risk.  We ask clients about their tolerance for risk, their ability to withstand the volatility and negative events that will come at some point. This is […]
  • add this feed to my.Alltop

    Debt Consolidation USA

  • 8 Important Questions Before Opting For Credit Counseling

    Lizzy Bale
    20 Oct 2014 | 1:58 am
    Do you think credit counseling is the key to get yourself out of debt? There are a lot of things that you can do to help your quest of becoming debt free. All of them will require you to change your ways as your debts evidently show that you are doing something wrong in your […] The post 8 Important Questions Before Opting For Credit Counseling appeared first on Debt Consolidation USA.
  • 4 Non-Financial Reasons To Be Aggressive In Paying Off Debt

    Lizzy Bale
    15 Oct 2014 | 11:00 pm
    Paying off debt is a must for anyone who wants to improve their lives. Until you free yourself from overwhelming amounts of debt, you will always be held back by the money that you are wasting – paying for your credit obligations and the interest rates associated with it. Debt has a devastating effect to […] The post 4 Non-Financial Reasons To Be Aggressive In Paying Off Debt appeared first on Debt Consolidation USA.
  • To Invest or Reduce Debt?

    Simi Mira
    15 Oct 2014 | 6:08 pm
    Many investors are faced with a challenging dilemma of whether they should pay off some of their debts with excess cash or whether they should invest this cash further to see whether they can accumulate greater wealth. Paying off too much debt can reduce, if you pay off too much debt and reduce your power to […] The post To Invest or Reduce Debt? appeared first on Debt Consolidation USA.
  • How To Discuss College Expenses With Your Child

    Lizzy Bale
    14 Oct 2014 | 7:22 am
    College education should not be a problem for most people. However, thanks to the high college expenses, a lot of kids are doubting if they can really afford a higher education. An article published on NPR.org mentioned how President Obama believes that young people want to go to college but the costs are holding them […] The post How To Discuss College Expenses With Your Child appeared first on Debt Consolidation USA.
  • How To Keep Discouragement At Bay While Increasing Your Savings

    Lizzy Bale
    7 Oct 2014 | 12:26 am
    Increasing your savings is not the easiest task in the world. You will find that spending is easier than reaching your saving goals. This is probably why a lot of people are having a tough time boosting their funds in the bank. But despite the difficulty, there are instances in our lives that we are […] The post How To Keep Discouragement At Bay While Increasing Your Savings appeared first on Debt Consolidation USA.
 
  • add this feed to my.Alltop

    Personal Finance Blog | LSS

  • YOUR FIRST APARTMENT! FIVE WAYS TO BE PREPARED

    Kate Swenson
    13 Oct 2014 | 12:58 pm
    My 23 year old daughter just moved into her first apartment with friends.  As they were looking at and considering apartments, she asked for advice on various aspects of the process.  I wasn’t much help—I haven’t moved in 35 years!  (I bought my house when I was 12!)  So, I learned with them about renting an apartment. CHOOSE YOUR ROOMMATES WELL You and your roommates will be equally liable for the whole rent, not just your portion.  Are your prospective roommates employed?  Dependable? Choose roommates with a similar lifestyle.  Are you an early riser and your roommates night…
  • Confessions of a Financial Counselor

    Kate Swenson
    8 Oct 2014 | 12:16 pm
    As a Financial Counselor, most people I see in my office are people that are stressed by debt.  I see a huge range of people: 5 digit monthly incomes to 3 digit; single folks to married couples with several children; recent immigrants to those whose people go back to the first bipeds on this continent.  And everyone in between.  Their debt spans a broad range, too:  An unnoticed $118 medical bill that went to collections to $98,000 in credit cards. The anxiety people have about seeing a financial counselor for their debt can fill the office.  Some express it out loud: “I was so afraid…
  • The Green Tomato: The Fruit That Keeps on Giving

    Kate Swenson
    6 Oct 2014 | 7:14 am
    It’s been a good garden year for me.  I’ve supplied my household, friends, family, passersby, and the local food shelf with a variety of beautiful, fresh, organic produce.  I couldn’t even begin to calculate the dollars saved.  (Add in the physical and environmental benefits of gardening and the economic payback rises significantly.) It is early October and the first frost has yet to hit the Twin Cities in Minnesota.  I’m still harvesting summer squash, tomatoes, greens, herbs, peppers, and more.  When frost is finally in the forecast (any time now!) you will find me in the…
  • Keeping Your Home Safe While You Travel

    Kate Swenson
    15 Sep 2014 | 6:10 am
    If you’re planning a trip sometime soon, you have more to do than simply pack your bags. Many home burglaries occur when folks are out of town. We all look forward to coming home after a trip. So, take these few precautionary steps to keep your home secure while you’re away. Experts suggest your home’s lights (both interior and exterior) are your number one defense against intruders. Set your lights on a timer using irregular intervals so there’s no predictable pattern. Use motion sensor lights at many spots around your home’s exterior and make sure the lights illuminate several…
  • More Beneficiary Blunders

    Kate Swenson
    2 Sep 2014 | 7:12 am
    A while back, I wrote a blog called “Avoiding Beneficiary Horror Stories.” At that time I discussed many potential problems that may arise when you don’t review your forms periodically to ensure they’re accurate. Since then, I have come across a few other scenarios I wanted to share so you can avoid these unfortunate blunders. Just like we were all born into this life, we will also pass away from this life. Although not much fun to think about, it will happen sooner or later. Since we have no idea when that may be, it’s always best to be prepared. One way to do that is to make sure…
  • add this feed to my.Alltop

    Minting Nickels

  • Gaming Can be a Great Hobby

    Justin
    23 Oct 2014 | 8:11 am
    In today’s fast paced environment it’s easy to get “too busy”, almost to the point where it’s nearly impossible to find time for yourself. Personally, I work plenty of hours in a stressful job, and it’s difficult for me to find the time and ways to relax and unwind. When I do find activities they tend to cost a lot of money which inadvertently adds more stress to my life. The trick is to find those hobbies that let you relax and recharge your batteries, while also allowing you to avoid breaking the bank. Below I will list some fun hobbies and activities that won’t cost you a…
  • Top 4 Reasons You Shouldn’t Purchase a Home Yet

    Justin
    11 Oct 2014 | 6:59 am
    It goes without saying that one of the biggest purchases an adult will have in their life is the purchase of a new home. When it comes to buying a new home, timing is very important as well as being financially and emotionally ready. The problem is that, when emotions are thrown in, sometimes people make decisions that are not financially sound, and purchase a home that they aren’t ready to afford. The  fact is, there are at least 3 very good reasons that a person should not purchase a new home, even if they feel that they are ready to do so. Those 3 reasons are below. Enjoy. Reason #1:…
  • The Inclusive Wealth Index: A Better Way to Measure Economic Growth

    Justin
    10 Oct 2014 | 11:00 am
    In the second quarter of 2014, GDP in the U.S. increased by 4.6 percent, causing politicians and pundits to insist that the American economy is improving. Unfortunately, many Americans don’t feel like their lives are getting better. Home values in the U.S. still lag far behind their pre-2008 levels, and wage growth for middle and low-income Americans is stagnant. As a result of what’s happening in America and in many other countries, more economists and social scientists question whether a country’s GDP accurately measures its economic prosperity. The United Nations proposed a new…
  • How to Compare Burial Insurance Companies

    Justin
    24 Sep 2014 | 5:34 am
    Some people choose to purchase burial insurance. This insurance is designed to only cover burial expenses and not additional estate or medical expenses. The cost of burial insurance varies by state and by provider as some include more services than others. It is important that you take the time and compare the differences between each company. Use the information below to find the best burial insurance provider for your expected needs. Search among Leading Insurance Companies Always search with the most reputable companies first. This includes companies such as State Farm, Lincoln Heritage,…
  • HIGHER EDUCATION BILL REPORT

    Justin
    19 Sep 2014 | 3:12 pm
    The Higher Education Bill, adopted by the Swiss Federal Parliament in September 2011, to be implemented in 2015, was developed as a means to create a more coherent system of accreditation for both private and public universities in Switzerland. Under previous regulations there was no consistent governing body to oversee both sectors of the tertiary system as the management of higher education was left up to individual cantons (states), and not at a federal, uniformed level. Educational unification has been going on in Europe for over 15 years. These steps were taken in order to promote ease…
 
  • add this feed to my.Alltop

    Debt RoundUp

  • My Credit Card Company Wants to be My Emergency Fund

    Grayson Bell
    24 Oct 2014 | 2:25 am
    GRAYSON, pay for large purchases in full or over time This is the subject of an email I got from my credit card company the other day.  I not only have a Arrival Plus World Elite card, but also have an American Express Blue Cash Preferred card which I use for my grocery and gas purchases.  It does give me 6% and 3% off respectively.  Either way, I pay off my credit card bills each and every month. I have already played the credit card debt game and I don’t feel like going in the ring again.  I have learned from my mistake and don’t plan on making it again.  Either way, I got…
  • Motif Investing Review – Theme Focused Investing

    Grayson Bell
    23 Oct 2014 | 12:25 pm
    I decided to update my Motif Investing review as I have been on the platform for a few months.  I still like the idea of the company and think you should try it out.  I don’t not have all of my money invested in my account as I use it to create additional income streams, not save for retirement. My new favorite investing site is Motif Investing.  I learned about this new approach from some other investing bloggers.  As I have been on a massive investing kick lately, I knew I had to give it a try.  Motif Investing is a new kid on the block, but they offer features which many other…
  • 5 Spending Triggers to Guard Against

    Mike Collins
    22 Oct 2014 | 1:48 am
    There was recently a great article on Yahoo Finance which discussed five overspending triggers that can sabotage your budget.  Despite our best laid plans, we all have things that trigger a desire to spend and recognizing those tendencies is the first step toward stopping them. For example, a few years ago I was stuck in a job I hated.  I couldn’t stand the work I was doing, I didn’t like the people I worked with, and I felt that no matter how hard I worked I could never do enough to make my boss happy. I would often use my lunch hour to “escape” by taking a ride to get some fresh…
  • Good News Capital One 360 Members, You Can Deposit Cash!

    Grayson Bell
    21 Oct 2014 | 2:30 pm
    I received an email yesterday from Capital One 360.  Since I’m a member and have a checking and savings account with them, I was happy to see this change.  Capital One 360 has been going through some changes, but they are making it a little better now. You Can Now Deposit Cash at Capital One ATMs! That’s right!  It used to be a pain to deposit money into Capital One 360, especially cash.  I always just did electronic transfers from my other bank account, but now they are upping the ante.  Now, they do say you can only deposit cash at some Capital One ATMs, but at the end of…
  • How I Saved $60 Per Month With One Phone Call

    Grayson Bell
    20 Oct 2014 | 3:11 am
    Laurie wrote a great post last week about how you should challenge every expense. I mean, that is the way you save the most money. Don’t just accept a charge, challenge it.  You would be surprised how many times you can get a lower price.  Her post was an extension of my early one about just freaking asking for a discount.  The worst that can happen is you get a no.  Ouch, someone said no to you.  Suck it up and move on.  If you have ever run a business or been in sales, then you understand you will hear more “no” than “yes.”  It is a fact of life.  If we…
  • add this feed to my.Alltop

    Phroogal Blog

  • An Update From Yours Truly. So, Where Have I Been?

    The Phroogal Jason
    22 Oct 2014 | 8:46 am
    You might have wondered where I’ve been since I haven’t posted on the Phroogal Blog for some time. It’s been a crazy 4 weeks with traveling and working on product upgrades. I had to choose between spending hours on the blog or hours on the product. I chose to learn a couple new programming languages and tools to get Phroogal.com closer to my vision. I believe 100% in what I’m doing and although we’ve had some difficult staffing situations nothing will stop me from building the place for all things money. That’s exactly it. I’m building the place…
  • 5 Ways to Score a First Class Upgrade Without the First Class Price

    Valencia Higuera
    22 Oct 2014 | 4:42 am
    I recently had the privilege of flying first class for the first time — and I have to say, it was an enjoyable experience. Our flight was short (from Florida to North Carolina). However, the plane was continuing service to St. Maarten, so the first class cabin was larger and roomier than other airplanes. We didn’t pay for these seats. The airline had to switch our flight because a delay caused us to miss a connecting flight. Since the new flight only had two available seats — which happened to be first class — we enjoyed a free upgrade and all the perks that…
  • The 5 Most Basic Finance Tips for Millennials

    The Phroogal Max
    20 Oct 2014 | 12:12 pm
    Being a millennial, you are surrounded by older adults who want to tell you what is best for you and your financial situation. The truth is that times have changed and there are a lot more things you need to worry about when it comes to your personal finances. Instead of telling you exactly what to do, here are the 5 most basic finance tips for millennials! -Be Realistic Normally, the word realistic has a negative connotation, but when it comes to budgeting, it has the best connotation. Being realistic about your expenses is huge when it comes to preparing a budget. You don’t want your…
  • Is It Wrong to Use a Coupon on the First Date?

    Valencia Higuera
    14 Oct 2014 | 12:55 pm
    A couple days ago I was researching ways to save money on a first date for an upcoming article and stumbled upon this tip — never use a coupon on the first date. Immediately, I thought the tip was outdated — especially since it seems like everyone is interested in saving money. However, after reading the article comments, it appeared that I was alone in my thinking. Many of the commenters agreed with the article writer and felt that anyone who uses a coupon on a first date is a cheapskate who doesn’t deserve a second date. But even after reading…
  • Money Lessons with a Pastry Chef!

    The Phroogal Max
    13 Oct 2014 | 2:24 am
    For part 3 of our Money Lessons series, I had the pleasure of interviewing Chef Jone, a pastry chef here in San Francisco. From growing up with a mom who loved to cook, to affording groceries, to taking his love for food and making it a profession, this interview has it all! Tell everyone a little bit about yourself. My name is Jone Mack, I’m 33 years old, and I have been a pastry chef for a catering company for 8 years now. How did you get into cooking? I’ve been into food and cooking for as long as I can remember. My mom was always cooking and I would always help her out and try to…
  • add this feed to my.Alltop

    Student Debt Relief | Student Loan Forgiveness

  • Are Student Loan Defaults Going Down?

    Kevin Findley
    15 Oct 2014 | 7:08 am
    Last month, the Education Department released its annual report on federal student loans in default showing results that makes everything look A-OK!. This is the Three-Year Cohort Default Rate and on the face of it, the news is very good. The rate for students going into default on their federal loans in 2011 is 13.7 […]The post Are Student Loan Defaults Going Down? appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Predatory Student Loan Lenders Sued In Illinois Court

    Demetrios Sourmaidis
    2 Oct 2014 | 11:19 am
    In September, the Consumer Financial Protection Bureau filed a lawsuit with the Northern Illinois District Court against Corinthian Colleges Inc. In it, they accuse the corporation, made up of for-profit colleges Everest, Heald and Wyotech, of predatory student loan lending, illegal collection practices and misleading potential students about job prospects and placement after graduation. In […]The post Predatory Student Loan Lenders Sued In Illinois Court appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Looming Student Loan Debt Crisis Creeps Closer

    Demetrios Sourmaidis
    27 Aug 2014 | 11:55 am
    According to data released this month from the Department of Education, the looming student loan debt crisis appears to be getting closer. Over half of all Direct Loans are now behind on their repayment schedule. This isn’t a small number, as Direct Loans make up the largest percentage of federal student loans. Increased Debt, Decreased […]The post Looming Student Loan Debt Crisis Creeps Closer appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Which Student Loan Consolidation Company To Choose

    Demetrios Sourmaidis
    11 Aug 2014 | 6:00 am
    Many companies in the business of helping students and parents through the student loan process are legitimate. They work hard to find the best options for their clients in securing and then repaying their federal student loans. These companies will work in the best interest of their clients, who in many cases are stuck with […]The post Which Student Loan Consolidation Company To Choose appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Dynamic Student Loan Repayment Act

    Demetrios Sourmaidis
    1 Aug 2014 | 12:14 pm
    We’ve reported before on efforts by the Obama Administration and members of Congress to reduce student loan payments and reform the various student loan programs. In particular, Senator Elizabeth Warren of Massachusetts has made this one of her more popular causes. Efforts to deal with the current $1.2 Trillion in student debt have been for […]The post Dynamic Student Loan Repayment Act appeared first on Student Debt Relief | Student Loan Forgiveness.
 
  • add this feed to my.Alltop

    Investing in Your 401k Kid | RSS Feed

  • Just Start: Teaching Teens About Money

    Bret
    19 Oct 2014 | 8:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids We’re in the middle of a webinar-based program for parents right now, and had a Q&A session last week. One of the parents had some great questions: How do I get started teaching my kids about money? If I’m going to to an allowance, which categories should I start with? How much should the allowance be? These are great questions, all centered around the question of “How do I get started?” The simple answer is, the important thing is just to start.  Do anything.  Take the first…
  • Teens Behaving Badly: Allowance Disasters

    Bret
    10 Oct 2014 | 12:42 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids If your teen is on an allowance, you’ve got to be prepared for impending disaster. They will make allowance mistakes. It’s coming, trust me. It’s just a matter of how big, and when. If your teen isn’t on an allowance yet, you’ll want to go a back a few weeks and start at the beginning of our teens and money series. The good news is, any mistakes your teen makes with an allowance should be expected. The better news is, mistakes are completely necessary, and this is one of the reasons that you’re…
  • What Happens After Share, Save, Spend?

    Tracie
    4 Oct 2014 | 12:20 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids   So, you thought the hard work you did to teach your kids about money was working perfectly, until suddenly it wasn’t any more. The piggy bank was great.  Share, Save, Spend jars worked just fine… for a while. But now you have a teenager. And everything is falling apart. We know how you feel.  In one 24-hour period this past week one of our kids ran out of gas in the pouring rain, left his lights on and killed the battery dead AND forgot his uniform for a cross country meet.  Teens are a…
  • Keeping Tabs on Your Teen’s Allowance

    Bret
    27 Sep 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Once you’ve started handing over cash every month, your next goal should be working out how to keep track of your teen’s allowance.  Don’t worry, we’re here to help with some pretty simple ideas. (Don’t worry, this will be fun!) If your teen receives an allowance, you need to have frequent accountability conversations to ensure everything is going according to plan.  These conversations will help you accomplish several important goals: You will know where your teen is…
  • Your Kid’s Allowance: Five Secrets for Success

    Tracie
    13 Sep 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Starting your teen on an allowance Would you like to start your teen on an allowance, but don’t know where to start? Or is your teen already on an allowance that’s not working, and you want to get it back on track? I’ve got some good news hear that should get you on the right path. Here are the five things you need to know to find success with your kid’s allowance: 1. An allowance is a teaching tool. 2. An allowance should cost you zero dollars. 3. An allowance is YOUR money, not the child’s…
  • add this feed to my.Alltop

    iMoney.ph

  • Find A Budgeting Method That Works For You

    imoney
    22 Oct 2014 | 6:41 pm
    You need a budget. You’ve read enough of iMoney to know that keeping a budget is the first step towards taking control of your finances. But you have no idea where to start. Sitting down and planning a budget may not be the funnest thing on the planet, but we’re here to help. Below, you can find popular budgeting methods, and you can find out which one would best suit your lifestyle. Whether you like being in control of everything, or you like a little more freedom, there’s a budgeting method for you: Envelope budgeting. This is the most familiar budgeting method, and one that lets you…
  • Deal With Financial Emergencies

    imoney
    21 Oct 2014 | 5:28 pm
    Ever been blindsided by a sudden expense that wiped out all your savings and left you in a financial hole? It happens to all of us. Since emergencies like a sudden medical operation, or your car breaking down, or an unexpected job loss are hard to foresee, they can take you by surprise, and if you’re not prepared, you could be overwhelmed. Dealing with financial crises can be difficult, but there are ways you can address the situation without putting yourself through too much hardship. See how you can avoid being buried in debt when you try to deal with financial emergencies in six simple…
  • Ask For A Raise — 6 Do’s (and 1 Don’t)

    imoney
    19 Oct 2014 | 6:27 pm
    Asking your boss for more money is hard. We can’t all be that Wells Fargo guy who asked for $10,000 raises for more than 250,000 employees at the company. But you’ve been performing really well lately and you think you deserve a raise; how do you go about doing it? You should be paid what you’re worth, and you shouldn’t be afraid to ask for it. So we’ve listed 6 do’s — and one don’t — that you should keep in mind when you ask for a raise. Here’s what you need to do to get the raise you deserve: Time your request. Timing is everything. Some good times to ask for a raise:…
  • 37 Ways To Save Money Right Now

    imoney
    15 Oct 2014 | 6:08 pm
    We all want to start saving. But when money is already tight, it’s hard to find any extra money anywhere that you can put away in a savings account. So to help you out, we’ve found 37 ways to save money right now. You don’t have to do all of these (and we wouldn’t want you to — there is such a thing as being too frugal). But implementing even just a few of these tips can have a dramatic impact on your finances. Find out which tips will suit your lifestyle the best, and you’ll be saving money in no time: Cut your cable. Not only will you save at least P3,600 a year (assuming you…
  • Financially Prepare To Quit Your Job

    imoney
    14 Oct 2014 | 6:20 pm
    Last week, we told you the signs that it’s time to look for a new job. But quitting, while it can feel exciting and relieving, is also scary. After your last day, you’ll have new problems to encounter. How are you going to pay your bills? How will you find a new source of income? Who will support your household? Change hits hard. But a little bit of planning can help soften the blow. Below, we’ve listed a few steps to financially prepare to quit your job, so that you can more easily and more comfortably transition to your new vocation, whether that’s new employment or…
  • add this feed to my.Alltop

    FinancingLife.org

  • Why Bother With Bonds (short paperback)

    Rick Van Ness
    22 Oct 2014 | 3:06 pm
    A practical how-to guide for every investor. For ordinary investors who want to build an all-weather portfolio—even during low interest rates. It is time-proven wisdom, and encourages you to take control of your finances. Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn: How […] The post Why Bother With Bonds (short paperback) appeared first on Why Bother With Bonds (short paperback).
  • Fun Way To Teach Teenagers About Stock Market (unexpected results)

    Rick Van Ness
    27 Aug 2014 | 8:56 am
    Learn the fun way I taught my teenagers about the stock market. It's fourteen years later. I'll tell you what worked, and what didn't. They don't teach this in schools. It's great if you can do this at home. Please share your ideas. What worked for you? The post Fun Way To Teach Teenagers About Stock Market (unexpected results) appeared first on Fun Way To Teach Teenagers About Stock Market (unexpected results).
  • Video of Website Improvements (to reduce bounce rate)

    Rick Van Ness
    14 Aug 2014 | 12:08 pm
    I'm happy to report that my videos have been watched more than 216,000 times as of 13Aug2014. But while I celebrated this, I had some concern about the visitors to this website that never interacted with the website and then left from the same page they entered. My worry is that they did not find what they came looking for, so I have redesigned the website to reduce bounce rate and make it much easier for first-time visitors to find the information they are seeking. This video is a fast-paced overview of the changes and a testimonial to the instructor for the class I took to accomplish this.
  • Bond Basics 5: Individual bonds or bond fund?

    Rick Van Ness
    13 Mar 2014 | 9:13 am
    Should you own individual bonds or bond fund? The answer is easy. Learn why in this episode. Learn what every investor should know about fixed-income securities. The post Bond Basics 5: Individual bonds or bond fund? appeared first on Bond Basics 5: Individual bonds or bond fund?.
  • Bond Basics 4: What Are Bond Ladders?

    Rick Van Ness
    13 Mar 2014 | 9:08 am
    Learn two very cool things about individual bonds and bond ladders in this episode—about fixed-income securities. The post Bond Basics 4: What Are Bond Ladders? appeared first on Bond Basics 4: What Are Bond Ladders?.
 
  • add this feed to my.Alltop

    Find Your Balance

  • Latest Scams To Watch Out For – Fall 2014

    balanceblogwriter
    22 Oct 2014 | 6:58 am
    As part of our ongoing series keeping you up-to-date on the latest identity theft, fraud, and theft scams popping up, we bring you a list of new list of schemes to be aware of. The scam: Toll pass email You receive a very official-looking email stating that your electronic highway toll pass payment information needs to be updated for security purposes or because it is out-of-date. You are provided with a link and/or phone number to give your current credit card information, Social Security number, etc. Preventing it Such vital information should never be given out in response to an email…
  • Scary Good Halloween Party Savings

    balanceblogwriter
    21 Oct 2014 | 6:57 am
    There was a time when Halloween budgets focused on kid items: colorful plastic superhero costumes, paper spider decorations with moveable legs, and bags full of little sugar bombs. But more and more, Halloween is becoming a major celebration for adults, too. If you’re one of those overgrown kids who loves to celebrate the scariest night of the year, you can do so without being terrified to look at your checking account on November 1. Creative costumes If you wanted to invest in an industry growing at an explosive rate, you could do a lot worse than the adult costume racket. Unfortunately,…
  • Rolling Over a 401(k) to an IRA: You Make the Call

    balanceblogwriter
    16 Oct 2014 | 5:10 pm
    If you’ve got retirement money residing in a 401(k) with a former employer, you’ve probably been wondering whether or not you should roll that money over to an Individual Retirement Account (IRA). You’ll want to consider several criteria before doing so. A rollover to an IRA might be right if you: Want more flexibility and control with your investment choices May need to borrow money from your retirement account and are above age 59.5 Are concerned about a possible large tax hit to your beneficiaries in the future Want to consolidate multiple retirement accounts Are looking to maintain…
  • What are Bankruptcy Risk Scores?

    balanceblogwriter
    14 Oct 2014 | 5:02 pm
    Although much more information has come to light about credit scores and how they are calculated over the past several years, their cousin the bankruptcy risk score has remained mysterious. While what the general public has been told is limited, a few of the basics are known. What are they? Bankruptcy risk scores are an attempt to attach a numerical value to the likelihood you will declare bankruptcy. This differs from credit scores, which attempt to measure the likelihood you will pay back a debt. How are they calculated? Like credit scores, bankruptcy risk scores are based on information in…
  • 5 Secured Credit Card Must-Knows

    balanceblogwriter
    13 Oct 2014 | 1:00 am
    A secured credit card can be a wonderfully effective tool for building a positive credit history or gaining entrance into the world of credit. Because it allows people with little financial history or less-than-perfect past credit to have and use a genuine credit product, a secured card can open up myriad opportunities for the future. However, not all offerings are created alike. There are a few basic criteria to make sure you understand before you jump into this type of account. Deposit Secured credit cards are generally easier to qualify for because you are essentially putting down a…
  • add this feed to my.Alltop

    Gajizmo

  • How Much Car Can I Afford?

    Gary
    20 Oct 2014 | 2:01 am
    Let me preface this article by saying: don’t be one of those people in the grocery store who pays with EBT or food stamps (there is nothing wrong with social welfare) and then puts their groceries into a Range Rover or Cadillac Escalade (there’s something really wrong with that). Alternatively, don’t drive around with a Bentley and then pull up to a rent-controlled apartment. Just a few recent observations that partially fueled the creation of this post. With the US auto industry still in recovery mode from recent years of poor sales, now could be a great time to buy a new or used car…
  • Credit Score Range – What Is A Good Credit Score?

    Gary
    14 Oct 2014 | 2:05 pm
    Credit scores are some of the most confusing, yet essential components of personal finance. Reminiscent of our school days, consumers are basically “graded” on how well we manage our finances, ranging from Excellent to Poor, rather than A to F. If you’ve never applied for a mortgage or auto loan, you’ve probably wondered “what is a good credit score?” The simple answer is that credit scores range from 300 to 850, with 850 being the highest and best score. Additionally, a good credit score is anything above 720. There are a few legitimate ways to view your credit score online, but…
  • 101 Random Acts of Kindness Ideas

    Gary
    10 Oct 2014 | 12:20 am
    When you decide to do something nice for someone, just carry out your random act of kindness, wish them a great day, and walk away. An act of kindness should come with no strings attached, so don’t ask for their phone number, invite them to dinner or a party, or Facebook stalk them later that night. Just knowing that you made someone else smile or feel appreciated should be enough to brighten your own day. Check out our 101 Random Acts of Kindness Ideas below. Random Acts of Kindness 1. Everybody loves a free treat once in a while, why not make someone’s day better by paying for his/her…
  • add this feed to my.Alltop

    Personal Finance AdvicePersonal Finance Advice

  • How are you Going to Save this Holiday Season?

    Chris Bibey
    17 Oct 2014 | 6:48 am
    With the holiday season right around the corner, retailers are beginning to ramp up in anticipation of what is sure to be an exciting time once again. Although you still have plenty of time to purchase gifts for those special people in your life, there is nothing wrong with getting an early start. Like most, you probably have a budget for holiday gifts. As long as you know what this number is and are willing to stick to it, you will go into the new year feeling good about yourself. Here are several tips to follow if you are looking for ways to save this holiday season: 1. Don’t wait until…
  • Important Mortgage Loan Questions to Ask

    Chris Bibey
    19 Sep 2014 | 7:42 am
    There are a lot of questions to ask and answer as you search for a new home. While the act of finding a property can be downright exciting, the same cannot always be said for securing a mortgage. From local lenders to those that do business all over the country, you will be faced with many options along the way. How you make a final decision is up to you, however, there are steps you can take to improve your chance of success. Here are three mortgage loan questions to ask, regardless of which lender you are speaking with: 1. What is the best interest rate you can offer? Like most, this is the…
  • 5 Common Car Salesman Lies

    Chris Bibey
    12 Sep 2014 | 7:42 am
    Buying a car is a big decision for many reasons. Not only is this the vehicle that will get you around, but it will have some sort of impact on your finances. For this reason, you never want to make a decision until you are 100 percent comfortable with exactly what you are getting. Unfortunately, this is easier said than done because some car sales people don’t have your best interest in mind. Instead, they want nothing more than to make a deal, even if it means you are unhappy in the end. Here are five common lies that you need to be aware of: 1. The car is waiting for you. There is…
  • Three Valuable Changes to make after Moving into a New Home

    Chris Bibey
    28 Aug 2014 | 5:56 am
    There are not many things in life more exciting than buying a new home. While this is sure to be stressful at times, in the end it is your hope that you have a big smile on your face. Just because you move into a new home does not mean it is going to be perfect. In fact, some people purchase a property with the thought that they will move in and make immediate changes, all of which will increase the value and allow them to live more comfortably. If you are looking to make changes that will add immediate value to your property, here are three to consider: 1. New kitchen. When it comes to…
  • How to Pay for College on a Budget

    Chris Bibey
    22 Aug 2014 | 7:22 am
    Are you looking forward to attending college, but unsure of how you are going to make ends meet? With the cost of school on the rise, you have to know what you will be up against as you get started with your first semester. If you are on a tight budget, it does not mean you have to forgo college and enter the working world. There are things you can do to improve your situation, making it possible for you to save money while getting the education you have been dreaming of. Go to School and Get a Job Despite the fact that college courses are sure to take up a lot of your time, if you can work…
 
  • add this feed to my.Alltop

    Mad Fientist

  • Empire Flippers – Buying and Selling Websites

    The Mad Fientist
    22 Oct 2014 | 3:22 am
    Justin Cooke from EmpireFlippers.com was kind enough to join me for an episode of the Mad Fientist Financial Independence Podcast! Justin and his business partner created a marketplace for buying and selling online businesses so today I tap into Justin’s vast knowledge about both sides of online real estate transactions and take a behind-the-scenes look into the process of online business investing. For those of you who enjoyed my interview with Billy Murphy from ForeverJobless.com, you’re going to love today’s interview because we dive even deeper into the process of buying…
  • Guinea Pig – Update #6 and Giveaway

    The Mad Fientist
    14 Oct 2014 | 8:50 am
    Welcome to the ninth month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. I’ve decided to cut back on the GP updates to once per quarter, rather than once per month, so here’s what’s been happening since the last update… The Optimized GP has maxed out his 401(k) (but left enough of a buffer so that he can continue contributing 3%…
  • Why I’m Moving My Money to Betterment

    The Mad Fientist
    15 Sep 2014 | 5:51 am
    I’ve made a big decision. I plan to transfer the majority of my taxable money to Betterment. For those who haven’t heard of it, Betterment is an online financial advisor and portfolio manager that has been increasing in popularity over the last few years. Since my decision to hand over the keys to someone else will likely come as a big surprise, I’ll start this story from the beginning. Chatting with the CEO About a year ago, I attended a financial blogger conference in St. Louis. On the first night, I was having a beer with none other than Jim Collins from JLCollinsNH.com…
  • Guinea Pig – Update #5

    The Mad Fientist
    21 Aug 2014 | 5:51 am
    Welcome to the seventh month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. It’s been another exciting month for the Optimized GP. He maxed out his 401(k) (leaving enough room to continue contributing 3% every month to get the full employer match) and he’s now moved on to his Traditional IRA. To see why he’s going with a Traditional IRA…
  • The Power of Quitting

    The Mad Fientist
    15 Aug 2014 | 5:34 am
    I was nervous when I walked into the meeting room with my boss. Breaking up is never easy to do, even when you are the one doing the breaking up. On my journey to financial independence, I sometimes dreamt about the day I would be able to walk into my boss’s office and quit. On particularly bad days at work, I would think about all the things I would say and that would make the hard times easier to get through. As I sat there though, chatting nervously about work, I mainly thought about the good things about my job. It’s amazing how you are able to see something in a different…
  • add this feed to my.Alltop

    Getting Ahead, A Personal Finance News & Exchange

  • Frugal Fall Fun

    22 Oct 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/Blog/Images/fall-fun.jpg?sfvrsn=2" alt="fall fun " title="fall fun " /><br /> <br /> With the holidays looming, finding inexpensive ways to have fun this fall is one way to save money for gift shopping and avoid bloated credit cards come New Year&rsquo;s. Here are a few ideas that&rsquo;ll help liven up your fall without breaking the bank.</p> <p><strong>Take a Scenic Drive</strong> </p> <p>With the weather cooler, and the air…
  • Pay Off Student Loans or Save for Retirement — What Should I Do First? (Hint: It's a Trick Question)

    20 Oct 2014 | 6:00 am
    <br /> <img src="http://usequityadvantage.com/images/default-source/Blog/Images/student-loans-question-mark.dib?sfvrsn=2" alt="student loan, retirement" title="Student loans question mark" /><br /> <br /> <p>For many Americans, student loans are as much a requirement for obtaining a four-year college degree as decent SAT scores. With all of the scare stories in the media about the crushing burden of student debt and the consequences of stretching repayment, young graduates may be tempted to postpone buying a home and saving for…
  • Tapping Your Home Equity - Part 1

    15 Oct 2014 | 6:00 am
    <img src="http://usequityadvantage.com/images/default-source/Blog/Images/tapping-home-equity.jpg?sfvrsn=2" alt="home equity " title="tapping home equity" /><br /> <br /> <p>The mortgage meltdown of the last decade threw cold water on what had been a very popular way to raise cash: tapping the equity in your home. Equity is the difference between what you owe on your mortgage(s) and what you could sell your home for. As home prices rise, some homeowners will find there&rsquo;s a lot of value &ldquo;locked up&rdquo; in their…
  • Money Saving Tips to Stretch Your Fall Clothing Budget

    13 Oct 2014 | 6:00 am
    <img src="http://usequityadvantage.com/images/default-source/Blog/Images/savings-on-fall-clothes.jpg?sfvrsn=2" alt="money saving tips " title="savings on fall clothes" /><br /> <p>When the fall fashion issue of our favorite magazine hits the newsstand, we're often tempted to head straight to the mall to emulate those fabulous runway styles for ourselves. Unfortunately for most folks, designer labels can be a little out of reach. But with the right shopping strategy, you&rsquo;ll be surprised at just how far your clothing budget can take you.
  • Student Loans: Don't Get In Over Your Head

    10 Oct 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/Blog/Images/student-loan.png?sfvrsn=5" title="Student Loan" /><br /> Student loan debt is known as"good debt." Used properly, student loans can be your ladder to a professional career with high earning potential. Used carelessly, student loans are a nightmare that you won't wake up from for up to 30 years. Not borrowing more than you can afford is the best way to avoid the nightmare.</p> <h2>Understanding Student Loan Obligations</h2> <p>Before you incur…
  • add this feed to my.Alltop

    Rockstar Finance

  • How I Slayed $50,000 of Debt in Under Two Years

    J. Money
    24 Oct 2014 | 3:30 am
    “One of the most important things that I did was make SMART goals to really lock in on my strategy for how I was going to get to the bigger number. SMART goals have five characteristics: Specific, Measurable, Attainable, Relevant, and Time Bound. We use these tools a lot in the human resources field for annual employee goal setting, so why couldn’t I apply the SMART theory to my debt strategy?” Check out the entire article here: YesiAmCheap.com ——- [Photo cred:y jonoakley]
  • Your Starbucks Habit is Not Why You’re Broke

    J. Money
    24 Oct 2014 | 3:15 am
    “We’re neck-deep in oversized houses and overpriced cars, and we’re worried about what coffee we’re drinking? Why are we so afraid to tell each other the hard truth? We’re spending too much in every area of our life. Plain and simple.” Check out the entire article here: MyShinyNickels.com ——– [Photo cred: missbossy]
  • 5 Ways To Handle a Moocher

    J. Money
    24 Oct 2014 | 3:00 am
    “One of my favorite tricks lifehacks for dealing with lending people things and never getting them back is to take a quick picture of them holding the item you are lending them. This way, you have photographic proof that you lent them that item plus a visual reminder when you’re scrolling through your pictures on your phone that you lent them that item.” Check out the whole article here: VOSA.com ——- [Photo cred: Mike Smail]
  • Just Get The First $10,000

    J. Money
    23 Oct 2014 | 3:30 am
    “Ten-thousand is a big deal because it’s when you’re money starts to feel like it has some weight to throw around. It’s probably more than you earn in one month, or even two or three… It’s enough that you can look at semi-expensive things and think “I could buy three of those”. Then thousand dollars is resilient and sexy and just a little bit powerful. But perhaps most importantly, after you get your first $10,000, every subsequent $1,000 will seem to come easier.” Check out the entire post here: MoneyAfterGraduation.com —— [Photo cred: Robert S.
  • How Much Is Enough?

    J. Money
    23 Oct 2014 | 3:15 am
    “Some people seem to believe that money accumulation can ward off all bad things. Money is great for buying kitchen units but not so effective at staving off your inevitable human mortality. Or the slim but real possibilities of war, the collapse of capitalism or alien invasions. If these things happen, neither your portfolio nor your cubicle job will save you… Ultimately the question you need to ask yourself is: do you understand what you are spending and why?” Check out the full article here: TheEscapeArtist.me ——- [Photo cred: stephen boisvert]
 
  • add this feed to my.Alltop

    Doctor Of Credit

  • Simon Gift Cards In-Mall, Online and In-Bulk ($1000 Visa Gift Cards for $1003.95?)

    Chuck
    24 Oct 2014 | 3:00 am
    Simon Mall sells Visa gift cards in the Mall and online. There have been some changes over time in their online gift card sales. They also offer bulk gift card sales for businesses who want to reward their employees. It’s technically possible to buy a bunch of $1000 Visa gift cards online  for around $1001 each. Or, more practically, for $1003.95 each. This bulk gift card option could be especially useful for someone who has a very high spend threshold on a credit card, or possibly to liquidate high-dollar Amex gift cards. Simon Gift Cards In-Store We’ve discussed previously that…
  • My Experience Signing Up for REDbird and Some Identity Verification Ponderings

    Chuck
    22 Oct 2014 | 3:00 am
    Getting the Bird I was passing through Maryland, and decided to stop into Target for a REDbird. Currently I have Serve and I’m not planning on switching right now since we all assume that the credit-card-load option will stop sooner or later. But a relative of mine had no problem with me opening a card in his name, so I stopped into a Target to pick one up. Everything went surprisingly smoothly. I found the store stocked with lots of REDbirds, and I had no problem checking one out. The process went as follows: the cashier scanned the REDbird and I requested to load $20. (I know, I…
  • Citi Rebrands AAdvantage Credit Cards & Ups Public Sign Up Bonuses

    William Charles
    21 Oct 2014 | 9:31 pm
    Citi seems to be a company with a mission at the moment and that mission is to gain market share in the lucrative credit card market. They’ve recently launched their double cash card, completely revamped their Expedia cards, announced they will offer free FICO scores to cardholders and all of this was on the back of a massive 100,000 mile AAdvantage credit card offer. Their latest addition is less exciting, they have changed what the AAdvantage cobranded credit cards look like. In addition to this the public sign up bonuses have increased, unfortunately they are still at the same level…
  • President Obama’s New “BuySecure” Executive Order Summary

    William Charles
    21 Oct 2014 | 8:52 pm
    On October 17th, President Obama signed a new Executive Order called the BuySecure initiative. The aim of BuySecure is to help securing transactions and sensitive data in light of all the recent data breaches. When announcing this new intiative President Obama said: When buying the things you need without risking your identity, your credit score or your savings. You can view the speech Obama made at the CFPB headquarters by viewing this C-Span video (warning: ~16 minutes long). We’ve also outlined the major announcements below: Citibank will offer consumers access to their FICO score…
  • Citibank To Start Offering Cardholders Free FICO Scores

    William Charles
    21 Oct 2014 | 10:25 am
    Citibank has announced that starting in January, 2015 they will provide their cardholders with access to their FICO score for free. Unfortunately this won’t be able to all Citibank cardholders, it will only be available to those who hold a Citibank branded card. Those with a co-branded card (e.g Expedia & American Airlines) will not have access to this score. Here is some more key information about this offering: Scores will be updated monthly The score used is the same score used by Citibank for their credit card lending decisions. Presumably an industry specific bank card…
  • add this feed to my.Alltop

    moneypantry.com

  • 7 Places to Buy and Sell Used Designer Jeans for Cash

    Satrap
    23 Oct 2014 | 10:10 am
    Some people won’t touch used jeans with a 10-foot pole, but believe it or not, there are people who are willing to buy them. Cleaned properly, there is nothing like getting amazing pre-owned designer jeans at a fantastic price. It’s no wonder then that there are many business savvy individuals making a killing buying and selling these jeans for a tidy little profit. I actually did the same thing for a while (more on that later). And today, I thought I would share some tips for people interested in either selling their own old, used jeans they no longer use, for a little cash, or…
  • Get Paid $18,000 to Sleep for NASA’s Bed Rest Study

    Satrap
    22 Oct 2014 | 10:00 am
    Do you think you have the endurance and determination to keep laying in bed for seventy days at a stretch? If the answer is yes, you would get paid $18,000 by NASA for a sleep study! Yes, you got it right. You could earn about $18,000 for simply laying in bed with legs slightly raised up for seventy days. You can watch TV (You could even say you get paid for watching TV), read your favorite books, play games, or do your normal job if permitted to work remotely, and whatever else, provided you keep yourself confined to your assigned bed for the duration of this study. The Sleep Study It is…
  • 15 Best Places to Sell Used/Old Laptops for Cash

    Satrap
    21 Oct 2014 | 10:35 am
    As the manufacturers of durable electronic products keep modifying their goods to offer better features and facilities to consumers, many electronic items become obsolete a bit too fast, making disposal of older models a bit difficult. You don’t need your old laptop anymore because you got a new one. You don’t like throwing it away either. So, what do you do?… You sell it for cash! Thankfully, there have appeared quite a few websites allowing consumers to get cash for old electronic gadgets like laptops, phones, and TVs that they don’t require anymore. Here are a couple of…
  • 50 Ways to Save Money on Groceries for Large & Small Families

    Satrap
    20 Oct 2014 | 11:22 am
    Food is one of the main expenses for almost every family. If statistic from Bureau of Labor Statistics’ Consumer Expenditure Survey is right, a typical American household spends $537 every month on food, with about 60% of that amount going towards groceries. Now, whether you are a large family or a small one, with better organization, you could spend less. After all, food related expenses got to be the most flexible component of the entire budget. Truth is, you probably have known a number of ways to save on groceries; e.g. using coupons, smart shopping while at the mall, or perhaps turning…
  • Plated is Offering 4 Free Meals Plus a Free Trial

    Satrap
    18 Oct 2014 | 12:32 pm
    We all want to save money on food. And what you are about to read may seem like wasting money on the surface, but for some people it actually can be a great way to save some money on food by helping them eliminate throwing thousands of dollars worth of produce and ingredients in the garbage. Plated, a food delivery service that sends you fresh ingredients along with the recipe for each meal, is offering a free trial and 4 free plates to new members. Although the trial is free, you do have to pay a $20 shipping fee for the 4 free meals. But even with that, it still is a great deal. You are…
  • add this feed to my.Alltop

    CompareHero Malaysia

  • 9 Homemade Beauty Recipes to Try Now

    CompareHero
    23 Oct 2014 | 6:00 pm
    Ever wanted to just have a day off at the spa, but don’t have the budget for it? Don’t worry, you can have yourself pampered the way you’ve always wanted right in the comfort of your own home! Try out these 9 Homemade Beauty Recipes on your weekend off work! 1. Egg White & Honey Face Mask   All you need is an egg and a tablespoon of honey! In a bowl, mix the egg white and honey really well. Then, tie back your hair and massage the mixture gently on your face. Remember to avoid getting the mixture in your eyes! Leave the mixture on until it begins to dry and tighten, and then…
  • Hunting for Great Bargains? Asia’s Top 5 Fashion Shops Online

    CompareHero
    21 Oct 2014 | 9:53 pm
    There’s something to be said about the benefits of shopping in your pajamas in the comfort of your own home. Thanks to the Internet, you can not only do just that, you can also buy great fashion items at lower prices compared to buying from stores! Enjoy a laid-back weekend shopping online for great fashion finds. We found the top 5 fashion shops online in Asia offering the best fashion collections and the greatest bargains just for you! 1. Asia Fashion Inc. - www.asiafashioninc.com   Founded by Timothy Chen and Aidan Yeoh, Asia Fashion Inc. aims to lead the Asia Fashion Revolution by…
  • 7 Surprising Ways to Save Money on Clothing

    CompareHero
    19 Oct 2014 | 10:24 pm
    Shopping, especially clothes shopping, is a big financial trap. Sure, there are many tips and tricks on how to save money when going grocery shopping or living on a budget, but clothes shopping is often where we splurge and binge. These days, everyone is fashion-conscious, which leads almost everyone to buy expensive branded clothes instead of going for the alternative generic basics. But how do you stay fashionable and save at the same time? Ladies, pay attention: here are seven surprising ways to save money on clothing! 1. Off-Season Shopping   Boutiques and department stores usually…
  • Overseas Working Holiday: Is it Good for Your Career?

    CompareHero
    17 Oct 2014 | 3:43 am
      You may have heard of the working holiday scheme, which allows Malaysians to get a working holiday visa to stay and work in New Zealand and Australia for a year. This scheme presents a good opportunity for anyone who wants to travel abroad and get paid for it at the same time. During a working holiday, participants typically take up jobs they won’t normally have in their own country--for instance, picking strawberries on a farm or working as a bartender or waiter in a pub. The scheme, however, is appealing especially to young people because you can earn money and get to see the world…
  • Career Hacks: 5 Tips on How to Dress for Success on a Budget

    CompareHero
    16 Oct 2014 | 6:00 pm
    Whether you’re a fresh grad just starting on your first job or someone who’s been pushing pencils for a while now, it’s always a good to dress for success when you go to work! Not only do you make a good impression, but power dressing actually does wonders for your confidence and motivates you perform better at work. Your appearance also affects how your colleagues and superiors interact with you. You don’t actually need to spend too much on work clothes. Here are our essential tips on how to dress for success on a budget: 1. Inventory Your Basics & Essentials   Every guy or…
 
  • add this feed to my.Alltop

    Financial Market Vigilante

  • Investors Beware, U.S. Fiscal Spending Shift Coming

    30 Sep 2014 | 6:56 am
    As we approach the 2014 mid-term elections, U.S. fiscal policy is an economic headwind without any apparent current political movement to change.The relatively tight policy as measured by rate of growth is a counter inflationary force foremost, but also potentially slows down economic growth. You can see the evidence that the present fiscal policy is currently tight by reviewing the August 2014 year over year fiscal expenditure growth rate compared to previous years when the stock market peaked.This data is surprising to many investors because they are so accustomed to hearing how Washington…
  • Lending Activity Heats Up – Should Stock Investors Worry?

    22 Sep 2014 | 6:48 am
    One aspect of the recent U.S. economic growth not widely recognized is that it is being fueled by renewed high levels of debt being taken on by consumers, businesses and investors.Unsustainable debt levels are notorious for derailing GDP growth.  This phenomenon was evident prior to the last two stock market peaks, and the risk has returned to the U.S. market once again.If you review the statistics shown in the table below, you will see that just like 2000 and 2007, debt levels in 2014 have risen to warning zone levels relative to the size of the U.S economy (red = historically high, yellow…
  • Stocks Expensive, Force Building to Knock Bull Down

    15 Sep 2014 | 5:43 am
    Many articles have been released in the media in recent weeks concerning whether the stock market is over-valued or “very expensive” and may be approaching a peak.One highly regarded researcher is Robert Schiller, who in August of 2014 was interviewedby many media outlets concerning the high level of the CAPE Ratio (cyclically adjusted P/E) to give his views.Using this analytical approach he notes, “The United States stock market looks very expensive right now.”I take a slightly different approach to look at the relative value of stocks compared to historical norms, but reach the same…
  • Trend in U.S. Treasury Ownership Highlights Precarious Fed Rate Policy

    9 Sep 2014 | 4:46 am
    Fed policy continues to be aggressively accommodative going into year-end 2014, even as it is projecting a wind down of the massive $1.54T QE program begun in January of 2013.The easiest way to see the market rate impact of the Fed’s QE program and ZIRP (zero interest rate) policy is to review the current Treasury yield curve.  As the above graph shows, the current yield curve is Read more »
  • Watch Out for the Stock Buy-Back Taper

    5 Jun 2014 | 9:01 am
    Back in the year 2000 I got a call from a broker wanting me to take a look at particular large cap financial stock.  The pitch was “the company has lagged its peer group, but it has announced a major share re-purchase program.”  I asked what the company plans were for growth.  Awkward silence was evident on the other end of the line.  I then said, “So you are asking me to buy-out certain shareholders who don’t want to own the company anymore because the management team is struggling to find ways to invest?”  Needless to say, I did not invest in the…
  • add this feed to my.Alltop

    Money International

  • Why Brits Want To Move Abroad To Work

    Martin Hughes
    22 Oct 2014 | 11:31 pm
    Global cities tend to have large expat populations – from the waiter on your table at lunch to the senior executive you report to at work. New research has looked at the lifestyle and work expectations of thousands of these expats – including Britons who want to move overseas and those who have already made the jump. The study, by The Boston Consulting Group (BCG) has combined the results in to a top 10 list of why British workers would want to move abroad – and found that in all but one category British would-be expats match the global average. That one category is the weather. The…
  • £120,000 Cash Bonanza Awaiting Missing Customer

    Martin Hughes
    22 Oct 2014 | 11:31 pm
    Financial life and pensions giant Standard Life is trying to track down expats who have not claimed a share of a multimillion pay out when the firm went public in 2006. The company has £113 million stashed away and has started a major campaign to find around 280,000 customers who are entitled to the cash. Hundreds of these customers are thought to be expats who have moved without updating their contact details with the company. The company also believes they are unaware they have a stake in the cash pile. Standard Life was a mutual that went public in 2006. At the time, nearly 2.5 million…
  • Fraudsters Scam Investors Out Of £1.2 Billion A Year

    Vicky Dixon
    21 Oct 2014 | 9:55 pm
    Fraudsters are scamming investors out of more than £1.2 billion a year, according to consumer watchdogs the Financial Conduct Authority (FCA). The average victim loses £20,000 to crooked investment advisers, says the FCA. Now, the FCA is launching a campaign to help investors identify fraudsters. Many of the criminals try to con their victims into investing into dubious schemes that are unlikely to ever produce a profit, such as land-banking, carbon credits and rare earth metals. One investor was called out of the blue by a firm offering to buy shares he held in a company. Bogus advisors…
  • Strong Pound Is Good News For Expat Spenders

    Patricia Smith
    21 Oct 2014 | 9:55 pm
    A stronger pound is good news for expats who have more spending power overseas. Sterling has seen a steady rise against other major currencies over recent months, and the signs are that as the UK economy outpaces recovery in Europe, the gap will continue to widen between the value of the pound and other currencies. So far, the pound is around 9% up against both the euro and US dollar. For expats, the good news also spreads further afield as both the dollars in Australia and New Zealand are falling against sterling. Pushing the value of the pound up are the improving UK economy and general…
  • What Does Ethical Really Mean For Investors?

    Vicky Dixon
    20 Oct 2014 | 10:26 pm
    Investors are keen to buy in to ethical funds and companies but feel they do not have enough information to make their investment decisions, according to new research. Around two-thirds of investors want to put money into ethical investments, buy more than half (57%) want to know more about the companies they are taking a stake in. Around 40% also felt they could not drill down deep enough into details of the shares held by funds so that they could determine whether the holdings met their requirements for ethical investing. This has sparked an interest by some fund managers and investment…
  • add this feed to my.Alltop

    SuperMoney!

  • How To Manage Your Personal Finances Successfully

    Julie Bawden-Davis
    23 Oct 2014 | 12:43 pm
    Managing your personal finances successfully should definitely be on the top of your to do list. You know that a well-ordered financial house makes for a smoother, happier life, but the idea of getting your finances in order can be a bit daunting.Clear up the confusion with this handy guide on how to create a plan to save, spend and invest.Getting startedBefore you can determine the best ratio for managing your personal finances in terms of how much to save, spend and invest, you must take inventory. This means computing your income and expenses and using those totals to determine your…
  • How To Invest Your Savings To Build Your Own Startup

    Andrew Latham
    23 Oct 2014 | 10:33 am
    So you have a great business idea you’re excited about and you’ve managed to squirrel away some seed money to make your dream a reality. However, you’re still not ready to launch your business. What should you do with your cash? Great question. This article will give you some clear and actionable advice on what you should do with your spare cash until your start-up takes off.First of all, it is important to realize that a lot depends on your specific circumstances and goals. For this to work, you have to take a long and hard look at yourself and what you want out of this. Let’s…
  • College Freshman Reveals The Hardcore Truth About College Costs

    Brent Rickles
    21 Oct 2014 | 5:44 pm
    Pictured above: Miriam Weeks, in a scene from the documentary, “Becoming Belle Knox” (Credit: Condé Nast Entertainment)Miriam Weeks (aka Belle Knox) understands the economic realities of college costs far more than the average 19-year-old, as displayed in essays she’s written for Time magazine, OXJane and, most recently, in the new documentary film “Becoming Belle Knox” (produced by Conde Nast, the esteemed publisher of the New Yorker, Vanity Fair, Wired and many other iconic magazines).Given all the salacious coverage of Ms. Weeks’ story, you’d be forgiven if you…
  • The Ultimate Guide To Buying A New Home

    Jennifer Leonhardi
    21 Oct 2014 | 5:35 pm
    For decades, the idea of owning your own home has been one of the biggest parts of living the great American dream. Recently the nation has seen one of the worst financial periods in recent memory surrounding the housing market. Banks were over eager when it came to lending money, especially to those who were less than credit-worthy, which resulted in the bubble collapsing, and the economic crisis that followed.But in the wake of these events, many people are once again finding renewed faith in the real estate market, and some are finding an even greater advantage now than they may have…
  • 16 Things You Should Never Put On Your Credit Card

    Pamela Britton-Baer
    21 Oct 2014 | 2:34 pm
    Be Honest. There have been times when you’ve bought something truly crazy with your credit cards. That set of Walking Dead garden gnomes? Yeah, that. It’s crazy what people purchase with their plastic, but there’s nuts, and then there’s just plain silly. You might recognize yourself in the following list, but we’re pretty certain some of them might take you by surprise.1. Celebrity Appearances (Yes, People Do That)If your credit limit is high enough you could hire any number of A-list celebrities to visit, appear at your party, or even perform. According to allamericanspeakers.com,…
 
  • add this feed to my.Alltop

    Your Smart Money Moves | Personal Finance Blog

  • Four Money Moves To Make When You Get The Pink Slip

    Ted Jenkin @ Your Smart Money Moves
    22 Oct 2014 | 12:47 pm
    The Pink Slip.  It’s the dreaded official notification from your employer that they no longer need your services.   You’ll often hear the corporate rumors flowing within your company about the impending layoffs, but you’ll never suspect that you might be a person on the hit list.   We never imagine that we will be that person who gets called in for dismissal time.   While getting a pink slip is an awful feeling, it’s also a phase in your life where you need to immediately get your financial act together.  Here are my four smart money moves to make when you get laid off from…
  • 10/21/14 Fighting With Your Spouse Over Money?

    Ted Jenkin @ Your Smart Money Moves
    21 Oct 2014 | 3:47 pm
    How to Get Rich w/ oXYGen Financial Topic: Fighting With Your Spouse Over Money? Taped 10/21/14 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
  • Does Jim Cramer Run Your Portfolio?

    Ted Jenkin @ Your Smart Money Moves
    20 Oct 2014 | 9:04 am
    About a week ago, Marketwatch (www.marketwatch.com) ran story called, “The Most Dangerous Stock Market Since 2008.”   In the past six years of bringing you my Your Smart Money Moves Column, I have shared with you how media can influence what happens in the markets in a very significant way.  Without even reading a lick of this column, would it be any stretch of the imagination to say that if the market hits all time highs that the potential danger gets higher and higher for some type of market pullback? If you really want to see something funny, spend eight minutes today watching this…
  • Don’t Accidentally Pay The Homeless Man Again…

    Whitney Lee
    18 Oct 2014 | 7:40 am
    Let’s face it, the city of Atlanta hasn’t quite perfected the art of mass transit, and sometimes driving to an event is not only easier, but could be your only option. However, once you finally make it near the Dome, Turner Field, etc, the daunting task of finding the cheapest parking rip off still remains. You may creep your way over to that one trusty lot you usually rely on, only to find its full or “prepaid only” that day. Or maybe the only Falcons parking that’s still open is that $60 lot. Once you finally find your space, and pay, how many times have you walked away wondering…
  • How You Can Beat The All You Can Eat Restaurant

    Ted Jenkin @ Your Smart Money Moves
    17 Oct 2014 | 10:18 am
    While buffets have been around for centuries, the “all-you-can-eat” buffet has been rumored to originate in the 1950’s in Las Vegas where some of the best buffets in the world are located.    The All You Can Eat platform has been implemented on colleges, cruise ships, and even at a section in the Dodger Stadium.   Our eyes can become bigger than our stomachs when we glance at all of the delicious items on the buffet.  Crab claws, pizza, egg rolls, pasta, shrimp, and every dessert imaginable.   Here are my three smart money moves on how you can ‘beat’ the…
  • add this feed to my.Alltop

    Money On Trees

  • Car Insurance: Can I even afford you anymore?

    Fabio Marrama
    23 Oct 2014 | 7:47 am
    I know exactly what it feels like to fork over 50% of your pay cheque to one thing every single month – and I’m not talking mortgage or rent. That’s what car insurance was like for me. Was I the greatest driver? No, and I’ll be the first to admit that, but the industry wasn’t so much in my favour at the time. Car insurance is definitely not the cheapest thing going for Gen Y’s out there. I recently read an article in the Globe and Mail about the state of car insurance affordability for Millennials these days. It struck me how soaring premiums have nearly priced out Gen Y from the…
  • Happy One Year to Money On Trees

    Fabio Marrama
    16 Oct 2014 | 12:47 pm
    It’s hard to believe one year has already flown by. We’re excited to be a great resource for our community – no matter what age or stage in life. I must say, it’s definitely a great time to celebrate all that we’ve been able to accomplish over the past 365 days. Along with the variety of blogs we post every week, we’ve also had the privilege to present financial literacy seminars to many young adults from various schools, conferences and events in our communities. We have been fortunate enough to bring Money on Trees seminars to different events within our communities this past…
  • Forking it over: Canada’s Highest Tuitions

    Fabio Marrama
    2 Oct 2014 | 10:56 am
    Let’s be honest – Getting a post secondary degree can be a pretty costly decision. If you’re like me, balancing a serving tray on weekends at a local café pinching the tips I’d earned was my way of “paying for school”. In my spare time, I’d be applying for numerous scholarships and bursaries in hopes that one might slash some dollars off my tuition. Eventually, I paid it off. It wasn’t easy, and it’s not getting any easier it seems. I recently read an article in the Huffington Post on Canada’s Highest Tuitions. It looks like they’ve made a jump. According to a…
  • Identity Theft: Are You Leaving a Paper Trail?

    Fabio Marrama
    25 Sep 2014 | 10:20 am
    The start of the school year means many things – tuition payments, reuniting with friends, textbook shopping and a lot of paperwork. From registering for your student card to wrangling your OSAP applications, before you know it your backpac