Personal Finance

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  • How to become a stock market ninja

    Creative Money
    Mindy Crary
    19 Aug 2014 | 10:30 am
    Despite 91% of women saying it’s important that they feel confident in their abilities to invest, 58% of these women don’t have any interest in learning about the stock market.  As USA TODAY reports, millennial women show less interest and confidence than millennial men when it comes to the stock market. For instance, 49% of women, compared to 69% of men, agree the stock market is the best place to invest for retirement.   At some point, ladies, you’re going to need to take the stock market plunge.  Why?  It’s the best way to grow your money over the long term.  I’ve…
  • Seven Simple Solutions for the Lazy Gourmet

    Financial Highway
    Myscha Theriault
    5 Aug 2014 | 4:00 am
    Love to cook? Looking to take your gourmet kitchen to the next level affordably? Here are six simple solutions for lazy gourmet cooks. Deglazing Don’t feel like scrubbing the sauté pan after cooking those chicken breasts? Take advantage of the flavor opportunity by adding some butter, lemon juice or white wine and a tad of corn starch and water whisked together. Include a few secret ingredients, and use a flat edged spoon or spatula to loosen the crunchy bits while the sauce starts bubbling and thickening over the heat. Presto, a restaurant quality sauce without dirtying any extra…
  • Building an intentional early retirement community

    Early Retirement Extreme
    Jacob
    27 Aug 2014 | 1:38 am
    Suppose someone initiated a real estate development project in a fairly central location close (no need for cars) to markets and jobs with housing sizes ranging from 100–500 sqft, optional lawns (likely no lawns), but plenty of plots for gardening, likely arranged in a permaculture fashion. These could either be part of the rent or they could be rented separately or even set up as a CSA. There would be a central laundromat. There would be wifi with area antennas.There would likely be a central tool library which could work with a deposit to become a member or alternatively, it could…
  • I Was the Victim of a Financial Bully

    fivecentnickel.com
    Jeffrey Steele
    27 Aug 2014 | 1:00 am
    These days, there’s a lot of attention being focused on the subject of bullying. This emphasis is well justified. The whole bullying experience tends to be destructive and wreak long-term consequences. As one who was, at times, both bullied and a bully as a kid, I can testify that while I have almost repressed the former experience, I’ll never be able to live down the latter. I join the chorus of those arguing the more we can reduce bullying, the better off society will be. It’s fitting, too, that we are finally getting around to acknowledging there is such a thing…
  • Retiring at 35 – Crazy Idea?

    The Dividend Guy Blog
    DivGuy
    13 Aug 2014 | 2:00 am
        All right, I must warn you; this is a little bit of a weird post. I’ve been thinking about this scenario for about two months now. Maybe it’s the sun beating on my head too hard, or maybe it’s just a funny thought that will evaporate into thin air in a few weeks. Or… maybe I’m really tired about this whole crazy lifestyle where you have to run from 5am in the morning till 10pm and hope to have a good weekend to recharge for the next week. Anyhow, I wanted to have your feedback on this crazy plan.   Where I’m at right now But before I share my plan with you, I…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Ask the readers: Whom do you turn to for money advice, humans or robots?

    April Dykman
    29 Aug 2014 | 4:00 am
    This article is by staff writer April Dykman. My personal finance education began here at Get Rich Slowly. I went from owing more money than I had to being debt-free (although now I have a mortgage). And along the way, I learned about money on websites and blogs. I used Mint to get my spending aligned with my goals and to track debt repayment. I opened and started managing my husband’s and my Roth IRAs online too. Basically, I did it all via the Internet, no human contact involved. That really worked for me, both because I’m a research-nerd and because, as a perfectionist, I…
  • The high cost of infertility

    Linda Vergon
    28 Aug 2014 | 4:00 am
    When we asked you how to improve Get Rich Slowly, you told us you’d like an article on “The horrible, terrible, no good, very bad reality of paying for fertility treatments.” We can’t fit all of that into one post, but we did ask Joanna Lahey, who gave us a series on health insurance, to give a broad overview of the issue in this guest post. Joanna Lahey isan associate economics professor at the George H. W. Bush School of Government and Public Service and a faculty research fellow at the National Bureau of Economic Research. The opinions expressed in this post do…
  • My unconventional plans to pay for my daughter’s college education

    Holly Johnson
    27 Aug 2014 | 4:00 am
    This article is by staff writer Holly Johnson. I just sat down to write this post a moment ago and literally stared at the screen for twenty minutes. I’m still ready to bolt out the door at a second’s notice, if needed, and the tears won’t stop rolling down my face. But thankfully, these are good tears. My mother told me I might feel this way on my daughter’s first day of kindergarten. Like it or not, the little person I gave birth to five years ago is no longer a baby, but a little girl. A fearless little girl. I looked into her eyes this morning and told her how much…
  • Hiccups on the way to combining finances

    J.D. Roth
    26 Aug 2014 | 4:00 am
    This is a guest post from Kathleen O’Malley, who writes about finding joy in a simple, frugal life at Frugal Portland. It happened fast. We barely talked about it, but all of a sudden, about a week after we got engaged — and before we were really ready — my fiancé and I had combined our finances. I can pinpoint the impetus: Southwest Airlines was offering a promotion where if you got both the Plus and the Premier credit card and spent x dollars on one, y dollars on the other, you got a Companion Pass through the end of 2015. “We fly Southwest a lot anyway,” we reasoned.
  • Preventing failure before it is an option

    Lisa Aberle
    25 Aug 2014 | 4:00 am
    This article is by staff writer Lisa Aberle. When I wrote an article about poverty, I wasn’t sure where Brandon and Leah, the two people I shared about, would be in the next few months. I needn’t have wondered. Turns out, nothing has changed. Despite receiving money from various people for rent, access to free babysitting, and bags of groceries, the last few months have been peppered with evictions, arrests, jail, and now prison. Unfortunately, I am not surprised, and you probably aren’t either. It is really easy for me to identify their stupid financial (and life!)…
 
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    Consumerism Commentary

  • Naked With Cash: Betsey S, July 2014

    Luke Landes
    28 Aug 2014 | 6:33 pm
    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…
  • Naked With Cash: Laura and Leon, July 2014

    Luke Landes
    27 Aug 2014 | 10:47 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…
  • Naked With Cash: Jake and Allie, July 2014

    Luke Landes
    26 Aug 2014 | 1:23 pm
    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…
  • Naked With Cash: Brian, July 2014

    Luke Landes
    25 Aug 2014 | 8:50 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…
  • Quicken 2015 for Mac Review and Giveaway

    Luke Landes
    21 Aug 2014 | 8:48 am
    I have one free download code for Quicken 2015 for Mac to give away to a lucky reader. Instructions are at the bottom of this article. It’s been nine years since Intuit released a version of Quicken that was both fully-featured and designed to run on Apple’s hardware and operating systems. The Quicken Essentials for Mac bridged a technology gap between Quicken Mac 2007 and the Windows versions of the software, but many important pieces were missing. Intuit has no announced their plans to release Quicken 2015 for Mac, and the software is available for pre-order beginning today. I…
 
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    My Money Blog

  • Citi® Double Cash Card Review: Earn 1% When You Buy + 1% As You Pay = 2% Total Cashback

    Jonathan Ping
    28 Aug 2014 | 5:11 pm
    Citi has just launched an all-new cash back credit card and it is actually quite compelling. With the Citi® Double Cash Card, as the name suggests you earn cash back twice: 1% unlimited cash back on every purchase you make Plus an additional 1% unlimited cash back as you pay for those purchases, whether you pay in full or over time. That makes a possible 2% total cash back with no caps, no category restrictions, no quarterly enrollment hoops, no rotating categories. All with no annual fee. The only way you don’t get your 2% total is if you default on your bill and don’t even make…
  • $15 iTunes Gift Card for $10 – Groupon

    Jonathan Ping
    28 Aug 2014 | 10:23 am
    Pretty straightforward. $10 for a $15 iTunes Code from Groupon, limited quantities available, limit one per person. If you buy iTunes music, iPhone apps, Mac apps, or even TV shows or books in the App Store, save yourself five bucks. Code arrives within minutes, ready to apply to your account. From 8/29-9/1 also get an extra 10% off Groupon Goods with coupon code LABOR10. $15 iTunes Gift Card for $10 – Groupon from My Money Blog. © MyMoneyBlog.com, 2014.
  • TopCashBack: Shopping Portal That Promises Highest Payout + $10 Bonus

    Jonathan Ping
    27 Aug 2014 | 11:45 pm
    Updated with $10 bonus for new users. When you shop online these days, it’s become habit to search out a coupon or go through a shopping portal that gives a percentage back on purchases made through their links. Well, talk about a race to the bottom. Instead of rebating you part of their merchant commission, TopCashBack.com promises to rebate you all of it (and make money via ads on their website). In addition, they even have no minimum payout threshold. You wouldn’t think that would be a viable business model, but the company is already the #1 cashback site in the UK so…
  • ShareBuilder Promotion Codes: Free Stock Trades (Updated 2014)

    Jonathan Ping
    27 Aug 2014 | 11:43 pm
    Added another new code. Here are some promotion codes for ShareBuilder, a discount brokerage now owned by Capital One. Real-time trades are now $6.95 and automated trades are $4. They give out codes for various promotions, and like coupon codes they often work in your account even if you weren’t given the code directly. Sometimes they don’t though, so have reasonable expectations. Don’t have an account yet? Get a up to a $600 opening bonus depending on your initial deposit size, and then add the promo codes below afterward. You can often double-dip on codes if you have both…
  • Baby Gear Reviews: Playards, Swings, and Baby Carriers (Part 1 of 5)

    Jonathan Ping
    27 Aug 2014 | 12:09 am
    As a father of a 2-year-old and 2-month-old, I am now an unquestionable expert on all things parenting (that’s how it works, right?). Funny how parents can come off that way when in reality we live in constant fear of messing up our kids permanently. Since a few readers have asked to write about baby-related things, here is a multi-part series on my opinions baby stuff organized according to Amazon’s Baby Registry system. I realize this only applies to a certain subsection of readers so I’ll space the posts out to once a week. The first three items on Amazon’s…
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    The Simple Dollar The Simple Dollar

  • Affordable Online Bachelor’s Degree Programs

    Mike Jelinek
    28 Aug 2014 | 8:14 pm
    This is part of a four-part series on affordable online colleges and degree programs. The other articles cover affordable online colleges, affordable online master’s degree programs, and affordable online MBA programs. Our goal with this series is to help anyone interested in online education find the best programs for the money and walk away with a quality degree. Who Should Consider an Online Bachelor’s Degree Before getting into the list of the top five schools for an affordable online bachelor’s degree, let’s explore who an online degree is best for. That way, you can…
  • Self-Reliance, Part Two

    Trent
    28 Aug 2014 | 7:00 am
    Three weeks ago, I shared with you the first third of my favorite essay of all time, Self-Reliance by Ralph Waldo Emerson. Self-Reliance has profoundly affected my life in countless ways, and I find myself re-reading it every month or two. Each time I read it, it reveals something new to me, giving me something to think about. The original essay, published in 1841, outlines the value and need for each of us to follow our own path in life, one that relies mostly on our own efforts. It’s a call to do our own thing and to focus our energies in making our lives as independent as possible so…
  • The Spending That Makes You Happy

    Trent
    27 Aug 2014 | 7:00 am
    I love buying a new book. To me, a book represents many hours of getting lost in a story or learning about something new. It’s a portal to another place and having a number of books just waiting to be read when I have time for them makes me happy. I also love opening, learning, and playing board games. I love reading the rules, punching out the tokens, and playing games with my friends. Our game nights are most fun when they feature a mix of old and new games. Spending on those things – as well as on occasional things like a cup of coffee at the local coffee shop – bring me…
  • Thirteen Strategies for Financial Independence Through Self-Sufficiency

    Trent
    26 Aug 2014 | 7:00 am
    My primary financial goal is what I call financial independence. Though financial independence can have a number of meanings, I define it as being a state in which I no longer have to actively work for money and my savings and investments cover all of my needs and reasonable wants for the long-term future. In other words, I live off of part of my investment income, with the rest being channeled back into investments so that the system is sustainable even with inflation. Naturally, one key part of achieving this is to reduce my expenses as much as possible. If you spend less, then you have…
  • Questions about Silver Certificates, Microwaves, Outlet Stores, TVs, and More!

    Trent
    25 Aug 2014 | 7:00 am
    What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Figuring out financial goals 2. Credit card sign up bonus 3. Child not worth cost? 4. Saving in a Roth IRA 5. Water is cheap but… 6. Outlet stores and quality 7. Musicians and money 8. Confused about buying a TV 9. Old currency 10. Money blog for seniors 11. Inherited house 12. Buy it for life: microwave 13. Balancing full-time and freelance work 14. Favorite games under $10 15. Showing up for a job I had…
 
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    Wise Bread

  • Skip the Buffet and Other Simple Rules for Healthier Travel

    Deia B
    29 Aug 2014 | 4:00 am
    The World Health Organization (WHO) estimates that 20% to 50% of travelers — about 10 million people — get traveler's diarrhea every year. No bull. (See also: How to Travel This Holiday Season Without Getting Sick) It may be impossible to truly eliminate the risk of getting food poisoning, but you can take some precautions to reduce that possibility. Food Groups There are some food groups that are especially risky. Meat and Seafood Raw meats and seafood may contain viruses, bacteria, or parasites that can make you sick. It's only when they have been handled and cooked properly…
  • Best Money Tips: The Best Sites for Renting and Buying Textbooks

    Ashley Jacobs
    28 Aug 2014 | 1:06 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on the best sites for renting and buying textbooks, steps to financial prosperity, and things you should know about the U.S. economy. Top 5 Articles The 11 Best Sites for Renting and Buying Textbooks Online — Half.com and Student2Student are a couple great textbook rental and buying sites. [The Real Deal] 6 Steps to Financial Prosperity — To be financially prosperous, choose a career and do it and marry your soulmate. [Learn Play Give] 6 Things You Should Know About the U.S. Economy — The…
  • 15 Ways to Get People to Respond to Your Email

    Damian Davila
    28 Aug 2014 | 10:00 am
    The average person spends about 13 hours every week sorting through email. With the number of worldwide email accounts expected to hit nearly 4.1 billion by 2015, it seems that those hours are likely to keep on growing and growing. (See also: This Thing You Use Every Day Is Ruining Your Productivity) If you want to cut through the noise (78% of us receive up to 100 emails per day) and make your emails stand out from the crowd, start using these 15 techniques. 1. Update Subject Lines Some people have a lot of email sitting in their inboxes. For example, the senior director of Yahoo! email…
  • Best Deals for Thursday 08/28

    Amy Lu
    28 Aug 2014 | 9:34 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Victoria's Secret Clearance: Up to 75% off (from $3!), Up to 40% Off Select Rubbermaid Products, A-Fashion Women's Racerback Striped Maxi Dress for $9, and more!
  • Are You Eating the 10 Most Over-Priced Restaurant Menu Items?

    Christa Avampato
    28 Aug 2014 | 8:00 am
    Americans love to dine out. We spend an average of $1,000 annually just on going to lunch. In total, we each spend about $2700 annually in restaurants and on take-out. And where I live (New York City), it's that much worse. So I decided to do a price comparison to discover the restaurant menu items that serve up the biggest cost difference from homemade versions. As a reference, I used the menus of my local, reasonably priced diners and mom-and-pop restaurants. If you eat out at more expensive restaurants, the price difference will be even more extreme. Here's what I found. 1. Pasta Nothing…
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    Bargaineering

  • How to get the most from your auto insurance claim

    Amy Fontinelle
    25 Aug 2014 | 12:00 am
    Amy FontinelleBeing involved in a car accident is scary and stressful. So is dealing with the aftermath. It’s in the insurance company’s best interest to minimize your claim, but you’ll be able to secure a fair settlement with these four tips. Don’t admit fault You typically must file a police report after a car accident. There [...]How to get the most from your auto insurance claim from personal finance blog Bargaineering.com. This blog was posted by Amy Fontinelle
  • ‘Free’ smart phone game is a shameless money suck

    Jen A. Miller
    18 Aug 2014 | 12:00 am
    Jen A. MillerAs always, there’s another scam to separate you from your hard earned money. Only this time, we can stop the madness. The latest money grab comes from none other than Kim Kardashian, who has partnered with Glu Mobile on Kim Kardashian: Hollywood, a smartphone game where users advance by living the celebrity lifestyle. In order [...]‘Free’ smart phone game is a shameless money suck from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • New law mandates in-state tuition for vets studying at all public colleges starting next year

    Jen A. Miller
    11 Aug 2014 | 12:00 am
    Jen A. MillerGood news for U.S. vets: starting next year, you’ll qualify for in-state tuition at any public school, no matter where you live. This perk was part of the $16.3 billion Veterans Administration reform bill that President Obama signed into law last Thursday. Thirty states already offer in-state tuition to all veterans. But this will extend [...]New law mandates in-state tuition for vets studying at all public colleges starting next year from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • Some surprising help turned my long search for new windows into a low-cost (or lower-cost) reality

    Darci Swisher
    4 Aug 2014 | 12:00 am
    Darci SwisherI was clicking around the Groupon app one evening on my iPad when I ventured beyond the food and drink deals I normally scout to ones for home services. I expected to find discounted housecleaning, not a significant savings on windows and installation. But two months later, five new vinyl replacement windows graced our condo [...]Some surprising help turned my long search for new windows into a low-cost (or lower-cost) reality from personal finance blog Bargaineering.com. This blog was posted by Darci Swisher
  • Stop worrying…You probably didn’t pay too much for your new car

    Russ Heaps
    28 Jul 2014 | 12:00 am
    Russ HeapsMost of us like to tell “fish stories,” and they often include tales about the great deal we negotiated on our new car or truck. But behind closed doors, many of us obsess that we really paid too much. At least that’s the conclusion of the first annual TrueCar Buyer Study, which polled more than [...]Stop worrying…You probably didn’t pay too much for your new car from personal finance blog Bargaineering.com. This blog was posted by Russ Heaps
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    fivecentnickel.com

  • Moving ASAP? Follow These Steps!

    FCN Staff
    29 Aug 2014 | 1:00 am
    This post comes from Anthony Fontana at our partner site Zing! Is there anything worse than moving? Before you call me lazy, I’m not talking about moving from the couch to the refrigerator for a beverage. I’m talking about moving from one home to another. It’s a pain, right? Not only do you have to find a new place to live, you’ve got to deal with switching addresses, packing and finding a new favorite pizza joint – to name a few. One thing that many people have going for them when it comes to moving is time. Time to find a new home. Time to pack and make sure nothing important is…
  • I Was the Victim of a Financial Bully

    Jeffrey Steele
    27 Aug 2014 | 1:00 am
    These days, there’s a lot of attention being focused on the subject of bullying. This emphasis is well justified. The whole bullying experience tends to be destructive and wreak long-term consequences. As one who was, at times, both bullied and a bully as a kid, I can testify that while I have almost repressed the former experience, I’ll never be able to live down the latter. I join the chorus of those arguing the more we can reduce bullying, the better off society will be. It’s fitting, too, that we are finally getting around to acknowledging there is such a thing…
  • Stretch Your Dollar with Fabulous Freebies

    Suba Iyer
    25 Aug 2014 | 1:00 am
    After having my baby, I quit my job to stay home with her and money has been tight. Grocery couponing doesn’t work well for our family. So to stretch our dollars further without spending too much time and effort, I started paying attention to freebies around our everyday activities. I already wrote about free summer activities for the whole family. This post will extend it further and explore ways to find free stuff for kids, free repairs, services and skills. Free services Learn more about personal finance, investing or wealth planning: You read this site, which is a great start. If…
  • A Home Warranty Can Be a Great Safety Net for First-Time Home Buyers

    FCN Staff
    22 Aug 2014 | 1:00 am
    This post comes from Mike Nickele at our partner site Zing! First-time home buyers have enough to worry about, like finding the right house for the right price, coming up with a sensible down payment and securing a mortgage. After putting down a hefty sum for the purchase, many first-timers may not have the extra cash on hand for major fails like the furnace, the air conditioner or kitchen and laundry appliances; a home warranty can be a good fix. What’s a home warranty? How does it work and what does it cover? Let’s find out! What Is a Home Warranty? Let’s start with the basics. A…
  • Are You Looking For A New Job?

    William Cowie
    20 Aug 2014 | 1:00 am
    If so, you might be in a better position than you think. The Bureau of Labor Statistics, or BLS as it’s more commonly known, keeps track of more than just unemployment statistics. Any time geeks try to analyze something, they go into inordinate detail, which glazes over the eyes of everyone trying to understand what they say, until the audience finally cries, “No! Stop! Please … just bottom-line this for me.” Always happy to oblige, the geeks then distill everything down to a single number. You would think that would make the readers/hearers happy. You would be wrong, of…
 
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    AllFinancialMatters

  • The Light at the End of the Tunnel

    JLP
    8 Aug 2014 | 3:35 pm
    Nearly a year ago we found out we were moving. My wife accepted a new position that was too far for her to commute long-term. Unfortunately, our old house was not market ready. We bought the house in 1999. It needed a lot of work then but we were low on funds. In fact, we didn’t do our first major renovation until the Fall of 2007. With that project, we took out a wall between the family room and kitchen, relocated a corner fireplace to a different part of the room, gutted the entire kitchen, installed new custom cabinets and bookcases, and tile throughout the kitchen, family room, and…
  • Quote of the Day from James Allen

    JLP
    27 May 2014 | 7:43 am
    I couldn’t sleep last night, so I got up and did some reading. I read the book, As a Man Thinketh by James Allen. The following quote stood out to me: Here is a man who is wretchedly poor. He is extremely anxious that his surroundings and home comforts should be improved, yet all the time he shirks his work, and considers he is justified in trying to deceive his employer on the ground of the insufficiency of his wages. Such a man does not understand the simplest rudiments of those principles which are the basis of true prosperity, and is not only totally unfitted to rise out of his…
  • 70% of Americans Can’t Answer These Three Questions Correctly

    JLP
    12 May 2014 | 7:37 am
    IF this is true, it’s very sad. According to Business Insider, 70% of Americans cannot answer all three of these questions correctly (not sure how they came up with that number, but we’ll go with it). 1. Suppose you had $100 in a savings account and the interest rate was 2 percent per year. After five years, how much do you think you would have in the account if you left the money to grow? A) more than $102 B) exactly $102 C) less than $102 D) do not know; refuse to answer 2. Imagine that the interest rate on your savings account is 1 percent per year and inflation is 2 percent…
  • I Have Officially Been Banned from Pamela Yellen’s Blog

    JLP
    6 May 2014 | 10:10 am
    There is no discussing facts Pamela Yellen. Here’s a copy of our back and forth for your entertainment: JLP says: April 28, 2014 at 5:49 pm Why did you choose to use price returns for the S&P 500 and Dow Jones Industrial Averages instead of real returns, which would include dividends? Pamela Yellen says: May 1, 2014 at 12:28 pm I DO discuss the impact of reinvested dividends right below my S&P 500 chart, as follows: “Even when you include reinvesting dividends, the real purchasing power of your investment remains negative after 14 years! And this assumes you have no fees,…
  • Unemployment Rate Funny Business

    JLP
    2 May 2014 | 9:12 am
    Did you hear the news? Non-farm payrolls increased 288,000 in April and the unemployment rate “plummeted” .4% to 6.3%. See this Yahoo! story. At the same time the employment participation rate fell .4% to 62.8%. In case you don’t know, the participation rate “refers to the number of people who are either employed or are actively looking for work. The number of people who are no longer actively searching for work would not be included in the participation rate.” (Source). Here is what that rate has looked like since 1990: It’s dropped 2.9 percentage points…
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    Personal Finance Advice

  • Are Post Offices Open on Labor Day 2014?

    Jeffrey Strain
    28 Aug 2014 | 4:12 pm
    It’s often difficult to remember what is and isn’t open when the different holidays arrive. This can be especially true when the holiday lands on a weekday when most stores and businesses are open. A perfect example of this is … Continue reading →
  • New App Lets You Buy What You Like on Instagram and Drain Your Bank Account

    Emma Harrison Clark
    28 Aug 2014 | 3:18 pm
    Marketers and Retailers across the country will be pleased to hear that Instagram, the popular photo sharing site, can now be used to convert customer “likes” to customer purchases. Consumers may not be as happy to see what this does … Continue reading →
  • Great Labor Day Sale Deals: Wine

    Jeffrey Strain
    28 Aug 2014 | 12:05 pm
    There are a lot of discounted items to look for during Labor Day sales, but one item which is often overlooked by many who are shopping these sales is wine. The reason wines are often discounted at this time is … Continue reading →
  • Are Grocery, Drug and Liquor Stores Open for Labor Day 2014?

    Jeffrey Strain
    28 Aug 2014 | 7:44 am
    Many people consider Labor Day weekend as the unofficial end of summer, and the holiday gives friends and family a last chance to enjoy doing outdoor activities such as barbecuing before the weather turns colder. If you’re planning to have … Continue reading →
  • Climate Change Causes Serious Threat to World Health

    Emma Harrison Clark
    27 Aug 2014 | 5:30 pm
    Many of us know the damage that the human desire for fossil fuels and transport is having on the world. But not so many have thought beyond that to the realities of living in a world desiccated by our continued … Continue reading →
 
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    Mighty Bargain Hunter

  • Five ways to save $5 in five minutes

    John Wedding
    26 Aug 2014 | 12:32 am
    The pillar of responsible personal finance is to spend less than you earn.  If you’ve heard that once, you’ve heard it thousands of times. There are three ways to work towards spending less than you earn: Earn more. Spend less. Both 1. and 2. One area that discourages people with finding ways to spend less is that “spending less” often translates to “doing it yourself,” and that takes time.  Indeed it can. There are ways to spend less that don’t involve spending a ton of time.  I’ll describe five ways that you’ll be able to easily save…
  • Rebate site comparison engine update

    John Wedding
    18 Aug 2014 | 9:00 pm
    Rebate sites are a great way to save money easily when shopping online. Just click through these sites instead of going directly to the store, and they’ll keep track of your visit and rebate you a portion of your purchase. There are quite a few of these sites out there, and they compete against one another. These rebate sites get paid when you shop there, too. That’s how they earn the money that they share with you. I’ve been working on an improved version of my cash back comparison engine. It now has a browse feature for the stores.  You can do a rebate site comparison…
  • Large families and activity discounts

    John Wedding
    5 Aug 2014 | 8:58 pm
    I was chatting briefly with a colleague yesterday about married life.  (He was going to be best man in a friend’s wedding in a couple of weeks.)  In the course of the conversation, I admitted that saving money was a heck of a lot easier before I was married, but that I wouldn’t go back to being single by choice for anything.  Everything has pros and cons. He saw the picture of my daughter that I have in my cube, and pointed to that as one of the pros.  I certainly agreed. Our daughter is our one and only.  Being an only child has pros and cons, too, of course.  One of the…
  • Rebate site review: Mr. Rebates

    John Wedding
    30 Jul 2014 | 8:40 pm
    I use rebate sites for as many of my online purchases as I can.  After getting a free account, it’s only a small amount of extra work to save a few dollars — or even more than a few! — on thousands of online stores. Mr. Rebates is one of a number of rebate sites available.  Using Mr. Rebates is simple: Sign up for a Mr. Rebates account, which is completely free. Log into Mr. Rebates before you shop online. If Mr. Rebates offers cash back on purchases from your favorite stores, go through the links on Mr. Rebates to get to the store instead of typing it into your browser.
  • Want a used washer? Budget some time

    John Wedding
    29 Jul 2014 | 8:32 pm
    A washer and dryer are mainstays in many households.  They are in our household, for sure. We bought a used washer and dryer set four and a half years ago.  Over the past couple of weeks, the washer was whining loudly.  First we heard it within the drain cycle, then in the spin cycle.  When it started squealing during the wash cycle, I sensed that its time was almost over, because that sounded like a transmission problem. Our family had done some repairs on it already to fix a bent support frame, but a new transmission runs upwards of $100.00.  Considering we paid $200 for the whole…
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    Lazy Man and Money

  • What If We Were Too Transparent?

    Lazy Man
    29 Aug 2014 | 5:15 am
    It is very rare that I see a commercial that makes me laugh out loud, but this one did: I could watch it a hundred times. In fact, I probably have. If you haven't watched the commercial (come on, it's only 30 seconds), the grandfather is too transparent about his answers to some questions and unfiltered with his thinking. The commercial was the first thing that came to mind this blog post by John Hempton, Chief Investment Officer, Bronte Capital: "I agreed with Bill Ackman that Herbalife is mostly about ripping off distributors and people at the end of the chain. The product is more than…
  • The Lazy Guide to Budgeting – 7 Ways to Make It Easier to Stick With

    Guest Poster
    28 Aug 2014 | 5:15 am
    The following is a guest post by Fanny Seto. She is the creator of Living Richly Budget Printables, a 20-page printable bundle and budgeting system that makes it 20-seconds easier to stick to a budget. She is also the Editor-in-Chief of Living Richly on a Budget, a personal finance blog. I met Fanny when I was living in San Francisco and she's a smart, smart woman. I realize that printable budgets aren't for everyone, but if you are going to go that route, I'd recommend picking these up. They are gorgeous. Many people start budgets but they don’t seem to stick with them. Why is that?
  • Are Roth 401(k)s and Roth TSPs Better? (Part 2)

    Lazy Man
    27 Aug 2014 | 5:15 am
    [Editor's Note: I'll do my best to catch you up, but today's article depends on the foundation I laid in yesterday's article. If you find yourself a little lost, my best advice is to catch up with that one first.] Yesterday, I wrote about Money magazine article which is slightly different than the version that is now online. The article made a case that Roth 401(s) are better. I found the explanation of pointing to T. Rowe Price's research lacking. I broke down my thinking that (for the most part) the biggest difference between Roth and Traditional 401(k)s is when you pay your taxes. I even…
  • Are Roth 401(k)s and Roth TSPs Better? (Part 1)

    Lazy Man
    26 Aug 2014 | 5:15 am
    On page 37 of this month's Money Magazine, Penelope Wang makes a strong suggestion that everyone should stop passing up on Roth 401Ks because they are better than traditional 401Ks. This was shocking news to me. I figured that if this is true, it should be "Front Page" material, not a buried in a one-page article with an extremely vague title: "Stop Passing Up This Great Deal." When I was writing this article originally, it wasn't available online. Thus my research was limited to a spirited debate of it in the Boglehead forums. However, in the spirit of doing a little true journalism and…
  • From Ice Buckets to Polar Dips: Making Your Fundraising Go Viral

    Lazy Man
    25 Aug 2014 | 5:00 am
    [Editor's Note: This is a guest post from a reader who goes by Tanya O. I had thought about not publishing an article about ice bucket challenge since it gets so much media coverage already. I changed my tune after seeing a commercial last night about the dangers of the "fire challenge" where (mostly) teenagers dangerously and stupidly set themselves on fire for no reason other than to try to get YouTube views. To quote the immortal Jayne Cobb, "Where's that get fun?" So in stark contrast to that, I figure why not post about the ice bucket challenge, that when done correctly is relatively…
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    No Credit Needed

  • 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…
  • I Still Buy Stuff I Do Not Need

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

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

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

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

  • Tips Komputer Dan Trik bermain komputer serta merawatnya

    Kitaa Bersamaa
    21 Aug 2014 | 8:09 am
    Disini saya akan berbagi Informasi blog terbaik yang pernah saya temui, dan ini bukan hanya satu-satunya di Indonesia, disini anda bisa belajar komputer, merawat komputer, dan menjaga komputer agar bisa awet atau tahan lama. Dibawah ini adalah daftar semua postingan dari blog tersebut yaitu MULTI AJAIBMemuat...▶ Accordion TOCSemoga dengan ini bisa membuat anda lebih baik dan lebih memahami cara merawat komputer, bermain komputer dengan baik, sampai-sampai bisa menghasilkan uang dari komputer atau dengan cara Bisnis Online
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    Free From Broke

  • ShareBuilder Review – Easy to Use and Low Commissions, Great For the New Investor

    Kevin Mercadante
    27 Aug 2014 | 3:11 am
    Glen’s Note: Below is a review of the online broker ShareBuilder.  This particular broker happens to be the first one I opened up and it’s still the one I use today when I buy stocks or funds outside of my retirement accounts.  I’ve loved the features of ShareBuilder for years including the fact that they are owned by Capital One and my Capital One 360 accounts are linked up so I can easily transfer funds.  I think ShareBuilder is a great online broker that you should take a close look at if you are considering opening up a new brokerage account. ShareBuilder isn’t the…
  • How Will Your Student Loans Affect Your Credit Score?

    Miranda
    20 Aug 2014 | 4:53 am
    You’d be hard-pressed to make it through college these days without student loans. With the cost of a post-secondary education rising each year, most people can’t afford to attend university without the help of student loans.  Even a 529 plan and a partial-tuition scholarship might not be enough to avoid student loans. While there are many advantages to student loans, and you can get special treatment with your student loans, it’s important to understand how a student loan can affect your credit. Since your credit score is an important part of your financial life,…
  • How to Teach Your Children to Be Financially Responsible

    Melissa
    18 Aug 2014 | 3:37 am
    As parents, we all want what is best for our children. You may often hear parents boast, “I want my kids to have what I didn’t have.”  We want the next generation to be more successful than we are. Yet, more and more that’s not happening. “Johnny” is a 54 year old man who still lives with his parents.  He moved out briefly when he married and had two children, but 8 years into the marriage, he and his wife divorced, and he moved back home with his parents.  That was 20 years ago.  He is unemployed and has been for over a decade.  His parents pay his…
  • Extreme Couponing: Do You Really Save or is it a Waste of Time?

    Glen Craig
    15 Aug 2014 | 6:19 pm
    Extreme couponing has become quite the craze and there’s no denying there can be significant savings to be had; but at what cost? This sounds like an oxymoron – but depending on the circumstances, couponing can come with a hefty price tag.  There are some great deals to be had out there and there is no debate that coupons can save you a bit of money but let’s closely examination this activity. Can You Really Save With Extreme Couponing? Couponing has evolved over the past thirty years. It used to be that cutting out coupons that appeared in the local paper or the weekly flyers was the…
  • Your Guide to College Student Credit Cards and the Best Cards Out There

    Glen Craig
    12 Aug 2014 | 7:58 am
    Should a college student get a credit card?  That’s certainly a heated question. One the one hand, it’s terribly easy for a young adult to get themselves into credit card debt they may regret years after they graduate. Students loans are bad enough without other debt looming over you. On the other hand, a credit card can be a great tool to help a college student with their cash flow as well as be a means to build up their credit history early on.  Used wisely a credit card can help a student achieve an excellent credit history and score by the time they graduate. Sure a student can use…
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    Blogging Away Debt

  • Radio Silence

    Ashley
    29 Aug 2014 | 6:00 am
    Hi all! I was hoping to have a post about my version of “balance” (inspired by this post) to go up today. I’ve gotten it half-written but it’s not finished and, being that I’m practicing this new work-life balance and work is a bit on the heavy-side, it’s going to have to wait for the time being. Hopefully I’ll have it finished to go up on Monday. So sorry for the relative radio silence today. I did want to pop in and say “Hi! Happy Friday!!!” Also, another super-brief update….. I just applied for another job (this one is an…
  • Completely Blown Up

    Hope
    27 Aug 2014 | 11:30 am
    My budget is completely blown for this month and probably next as well.  Why you ask? The house needs to be painted, and power washed, landscaping cleaned up and prettied up, two inside doors need replacing, and the list goes on and on and on.  I mean, like 20 things that need to be done around here that I cannot do.  While my dad said he would take care of getting the house ready to sale once I moved out, I don’t feel right leaving him with that.  It’s our mess (it’s not really a mess, just day to day living and things you do to sell a house) and we should be…
  • Found a Cheat!

    Hope
    27 Aug 2014 | 6:14 am
    As of yesterday we are a book free house…at least temporarily.  We gathered every single book in the house and sorted them into four piles… Goes to the apartment – mostly schoolbooks but a few personal books Goes to donation Schoolbooks to sell – homeschoolers have lots of sites they sell/trade used curriculum so I’ll try that route with my old stuff before just giving it away Book Exchange (this is a link to their Facebook page in case you wanted to check them out and maybe find one near you.  It is NOT an affiliate link of any kind.) The fourth one is my new…
  • Garage Sale Time

    Hope
    27 Aug 2014 | 3:00 am
    With my job, part time job, school starting, part time foster kids and getting ready to move…not to mention regularly scheduled kids’ activities our lives are humming right along.  And before I know it we will be packing up a truck to move just a few miles away. That being said, I’ve scheduled our IT’s DONE DAY otherwise known as Garage Sale day.  My goal with this is to inspire us to continue working through things a steady if not rushed pace.  We are making every other day trips to local thrift stores to drop things off, the garage is full of things listed for…
  • Dirty Little Secret

    Ashley
    26 Aug 2014 | 6:00 am
    It has always fascinated me how people spend their money. It’s such an intensely personal thing and to see what people value is so interesting to me. Case: A 35-year-old adult male who lives in a tiny duplex in a bad neighborhood with 3 other guys to save money….but spends thousands a month playing cards (gambling). Case: A new-parent/college student couple in their mid-twenties struggling to make it. They never eat out (ever) and share a single car to save money, but the wife gets mani/pedis religiously at a neighborhood salon. Case: A low-paid design assistant who doesn’t shop,…
 
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    Clever Dude Personal Finance & Money

  • Clever Posts Of The Week – August 29th

    Brock
    29 Aug 2014 | 3:34 am
    We’ve arrived at Labor Day weekend, the last hurrah of Summer.   I was walking through my local Walmart last night and saw displays of grills, swimsuits, and lawn care products setup all along the main isle way with everything being heavily discounted.  I could see employees working in the seasonal section, likely gearing up for holiday season displays of Christmas lights and wrapping paper.   I’m not ready to say goodbye to summer yet, so I found the scene very depressing.  Are you ready for Summer to end? Maybe reading some great personal finance articles will help cheer…
  • Financial Head Scratchers: Always Buy More Beer

    Brock
    27 Aug 2014 | 2:00 am
    I was in the liquor store over the weekend picking up some adult beverages when I came across the picture above in the display cooler. On the left is a six pack of 12 ounce cans, and on the right a six pack of 16 ounce cans. The fact that they were the same price had me scratching my head. The six pack on the right represents 1/3 more beer than the package on the left (96 ounces vs 72 ounces).   Without hesitation, I selected the 16 ounce cans and headed to the checkout counter. But on the way home I couldn’t help but wonder why these two products would be the exact same price. Here’s…
  • Lack Of Organization Can Cost You Money

    Brock
    25 Aug 2014 | 2:00 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net I’m usually a very organized person, but every once in a while my skills fail me. This was the case recently, and it just about cost me some money. We recently purchased some things we needed for some home improvement projects at a local hardware store. We were delighted to find out from the person at the checkout that they were running an 11% rebate promotion. All we had to do was fill out the form printed out with the receipt, mail it in, and we would get receive a check for 11%. Sounded like a great deal to us. The completed form…
  • Clever Posts Of The Week – August 22nd

    Brock
    22 Aug 2014 | 3:25 am
    I have to admit, I’m not ready for summer to be over.  I’m just not ready.  There are, however, two things that help my transition into Fall:  1.) The NFL football season starting and 2.) my bank account is definitely ready.  After several summertime trips with the family and back to school shopping my debit card is ready for a break. How about you, clever friends, has summer left your finances ready to take a break? Check out my favorite posts from the week, and have a great weekend! How to stop saving like a child and start saving like an adult! from Money Stepper Experience…
  • Cost Comparison: Is Laundry Soap Really Cheaper at a Club Store?

    Brock
    20 Aug 2014 | 2:00 am
    Back in April when I renewed my executive Costco membership, I vowed that I would start buying as many household items there as I could in order to take advantage of the 2% cashback perk. However, it would be foolish to just buy items at Costco for that reason only. If the cost was 10% higher, I really wouldn’t be gaining anything. One thing that I can easily buy at Costco vs where I grocery shop now (Walmart) is laundry detergent. Is laundry detergent cheaper at Costco vs. Walmart? The Champion: We currently use Gain Island Aloha liquid detergent. I usually purchase a small 50oz bottle for…
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    Don't Mess With Taxes

  • 'Moral' tax filing wraps up IRS Orlando Tax Forum

    skbell1
    29 Aug 2014 | 4:45 am
    Well that was fun. Nineteen tax seminars in a little more than two and a half days. I've parceled out a few Nationwide Tax Forum tidbits, both here at the ol' blog and over at Bankrate Taxes Blog, while I've been in Orlando this week. I promise to review my notes and provide some more substantial session posts in the coming days. In the meantime, let me toss out a thought about what filing or not filing Internal Revenue Service tax returns says about a person. During a session on immigration and taxes, the question was raised as to why someone who does not have legal status in…
  • 5 signs that an 'IRS' caller is a crook

    skbell1
    28 Aug 2014 | 2:55 pm
    A friend called me last week, freaking out about a telephone voice mail message she had received. An Internal Revenue Service agent was demanding she pay her tax bill or face dire consequences. She was particularly upset because she had just cleared up some old tax issues with Uncle Sam. What had happened, she frantically wondered, in the few days since her arrangement with the IRS? Nothing. It was a tax scam. The crooked caller's timing was freaky given her recent legitimate interactions with the IRS, but it was still a scam. She confirmed that by calling the IRS herself to make sure. Tax…
  • IRS Orlando tax forum day 2: Health care, humor and tunes

    skbell1
    27 Aug 2014 | 8:34 pm
    Hello New Orleans! I mean, hello Orlando! That geographic confusion reminiscent of Spinal Tap happened at day two of the Internal Revenue Service Nationwide Tax Forum in, you got it, the House of Mouse land. Yep, all of us, including presenters, are finding ourselves a bit overloaded, occasionally flummoxed and feeling a bit dislocated. Still, we're hanging in there and here. Here's an overview of my Wednesday at the final tax forum of 2014. First thing we do, let's mute all the lawyers: Thank god for tax attorneys. Really. That's not a joke or sarcastic slam. These folks…
  • Be tax smart in combining business and personal travel

    skbell1
    27 Aug 2014 | 9:40 am
    I'm on a business trip this week in Orlando, attending the Internal Revenue Service's final Nationwide Tax Forum of 2014. The hubby and I have been here many times on pleasure travel. You're right, we have no kids, but we're kids at heart. What can I say; I loved the Pirates of the Caribbean ride long before Johnny Depp created Capt. Jack Sparrow. We talked about tacking on a few days to this Sunshine State visit to see how Mickey and Harry Potter have held up since we moved from the state in 2005. But after much consideration, the hubby stayed home. He's already been…
  • Some initial observations from Tax Forum 2014 in Orlando

    skbell1
    26 Aug 2014 | 8:40 pm
    I'm back in Florida this week for the Internal Revenue Service Nationwide Tax Forum in Orlando. It's a bit of a homecoming. My very first tax forum was here in 2000 when we lived in Palm Beach Gardens. I try to attend at least one continuing education tax conference, either run by the IRS or by one of the tax professional organizations. I always learn stuff, plus it's fun to be among a large gathering of tax geeks. Things have gone pretty well so far, aside from my smartphone freezing up unexpectedly this morning and me losing my reading glasses during an afternoon session. The…
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    Money Smart Life

  • What To Do With Your Investments After a Layoff

    Kevin Mercadante
    25 Aug 2014 | 1:36 pm
    If you’ve been laid off, but you were working with your previous employer for number of years, you probably accumulated a good chunk of money in your employer-sponsored retirement plan. And hopefully, you’ve also got some promising investments outside of your retirement plan. When you lose your job, and the search for ways to pay the bills is on, all options are on the table – including your investments. There’s no question about it, a layoff forces some tough choices when it comes to your investments. You have to make choices about current needs versus long-term savings plans. In…
  • Can You Keep Your House When You Lose Your Job?

    Miranda
    18 Aug 2014 | 9:53 am
    One of the scariest things about losing your job is trying to figure out what you will do about your living arrangements. After all, if you have a mortgage and lose your job, it might make it difficult to keep up with your payments. Whether or not it is practical to keep your home after a job loss depends on your situation, and what you can expect going forward. Can Your Emergency Fund Make the Payments? The first thing to consider is whether or not your emergency fund can handle your mortgage payments. Do you have enough assets to keep making payments? If you can handle payments, with the…
  • 4 Questions to Ask Yourself When Choosing a Career Path

    Miranda
    11 Aug 2014 | 3:57 pm
    Your career is likely to take up a large amount of time. A “traditional” job often accounts for eight hours of your day, which means that you spend up to 1/3 of your life with your career. When you think about how much time you spend with your career, it makes sense to consider a career that you are likely to enjoy — or at least tolerate. As you consider a career path, whether you are looking for your first-time career, or whether you are trying to reinvent yourself for a better life experience, here are some questions you can ask yourself: 1. What Do I Like to Do? I remember watching…
  • How to Sell Yourself Without Sounding Like a Braggart

    Miranda
    4 Aug 2014 | 1:55 pm
    One of the biggest problems I have in my freelance career is selling myself. First of all, I have a problem with impostor syndrome. But the other issue is that I’m unsure of how to talk myself up without sounding like an arrogant braggart. No one likes a braggart, but, at the same time, when you’re trying to advance in your career, you are often required to toot your own horn. You need to show that you are a valuable addition to the team. It’s especially important to be able to show your value when you are asking for a pay raise. If you want to sell yourself, you need to be…
  • How Early Retirement Could Mean Higher Medical Bills

    Miranda
    28 Jul 2014 | 4:23 pm
    Many of us like the idea of early retirement. We have visions of relaxing on a beach somewhere, enjoying our money. However, this might not be the case when you retire early. In fact, early retirement could actually result in higher medical bills. According to a recent study reported on CNN Money, retiring at age 62 instead of age 65 means an additional $51,000 in medical expenses. Of course, most of us don’t consider retiring at age 62 as early retirement. Most of us think of early retirement as something that happens between the ages of 45 and 55. So the problem is even bigger,…
 
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    MoneyNing

  • 5 Insider Tips for Selling Your Stuff at Flea Markets

    Jessica Sommerfield
    29 Aug 2014 | 5:00 am
    Summer is the time for yard sales and flea markets. So if you have stuff to get rid of, now’s the time to do it. I’ve talked with people who have sold at flea markets, and I’ve learned from their experiences how to get the most out of it. Although the stakes aren’t usually that high or the competition that fierce at local flea markets (you’re just glad to get rid of stuff!), there are many little things that can make the difference between bringing home a pocket full of money or a trailer full of merchandise. Here’s what I learned: How to Sell Your Stuff at…
  • How to Redecorate Your Teen’s Room for Under $100

    Travis Pizel
    28 Aug 2014 | 5:00 am
    I know exactly when my daughter made the official transition from little girl to pre-teen. It was the day she declared she was cleaning her room, then emerged several hours later asking for assistance in removing all the “kid’s stuff.” In a giant pile in the middle of her room was the puppy poster that used to hang on the wall, as well as all her dolls and toys. It was a sad father moment. Fast forward about 18 months, and another transition is taking place — this time from pre-teen to teenager. She wants to liven up her room a little, adding her own personality and flair.
  • So Your Friend Wants to Borrow Money? Here’s What to Do

    Alexa Mason
    27 Aug 2014 | 5:00 am
    You love your friends and family, and you’d do absolutely anything to help them. Then one day, your friend is late on rent and asks to borrow $500 from you. He promises to pay you back when he gets his next paycheck, but you’re not so sure. You’re worried that loaning out money could put a strain on your relationship — but you really want to help your friend in his time of need. What should you do? Just Say No As someone who’s been burned by loaning money to loved ones, I highly caution you against it. You see: When you lend money, your relationship is going to change. Your…
  • How to Encourage Your Kids to Earn More Money

    Miranda Marquit
    26 Aug 2014 | 5:00 am
    One of the things I hear from my son regularly is that he wants a “raise” on his allowance. Usually this conversation takes place after he’s spent his savings on something else. Though he’s pretty good about saving up, like all of us, he sometimes gets off track. While I can sympathize with the idea of earning more money to meet your financial goals or live your lifestyle, I’m also not going to hand my son extra cash just because he wants it. I like to encourage him to earn more money. How Kids Can Earn More Money It can be challenging for kids to earn money…
  • 3 Reasons Why Work/Life Balance Doesn’t Really Exist

    Emily Guy Birken
    25 Aug 2014 | 5:00 am
    I’m a work-at-home-mom with two kids under the age of four. I’ve been doing the freelancing-from-home gig since my eldest was two months old. And despite nearly four years of evidence to the contrary, I still wake up every single morning believing that today will be the day I cross off every item on my to-do list — from paid work to exercise to housekeeping to errands to childcare. And every evening, when I look sadly over the long list of things left undone, I shake my head and wonder if I’ll ever achieve that elusive “work/life balance” I’ve been striving for. As…
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    Money Blue Book

  • Is there a financial literacy crisis among US teens?

    12 Aug 2014 | 2:05 pm
    In what might seem like a dispatch from the Tell-Me-Something-I-Don't-Know Department, the National Center for Education Statistics (NCES) released data last month that indicate American teenagers have a below-average grasp of personal finance for their age. The NCES study, known as the Program for [...]
  • How to save money during a move

    5 Aug 2014 | 4:44 pm
    My husband and I recently moved after living in the same place for over five years. Whew! I'd forgotten how much work it is. While moving expenses can add up fast, your move doesn't have to become a cash emergency. Think ahead and try these strategies on for size. 1. Only move what you have to There [...]
  • Are you suited to real estate investing?

    29 Jul 2014 | 4:12 pm
    The last time I wrote about investing in real estate, I told you I was building up the courage to buy a nearby house to rent out to vacationers. Well, guess what? I didn't. I didn't buy it because I didn't build up the courage. Every time I tried to picture happy families returning year after year t [...]
  • Opening a new bank account? Ask these 5 questions

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

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

  • Lazy Retirement Planning: Don’t Settle for 401(k) Automatic Enrollments

    Ben
    28 Aug 2014 | 2:00 pm
    If you’re not participant in your company’s 401(k) plan there is a very good chance you’re leaving free money on the table from your employer. Thanks to provisions within the US Tax Code, many companies will match your contributions up to a certain percentage of your salary and allow you to defer paying taxes on contributions until you take the money out down the road in your retirement years. But chances are you already knew this… SO WHY ARE AMERICANS SO LAZY ABOUT RETIREMENT? According to the US Department of Labor, millions of eligible employees have still not…
  • The Shocking Cost of Buying a New Car vs. a Used Car

    Ben
    27 Aug 2014 | 7:52 am
    In today’s personal finance analysis, I decided to compare the cost of buying a new car versus buying a used car.  In other words, how much more are you paying for the excitement of that “new car smell”.  The results are shocking. For my new vs. used price comparison I chose the Honda Pilot as my subject vehicle since Honda’s have a very good reputation for holding their value over time and the 2011 and 2015 are nearly identical in design and performance (you can see subtle differences in the pictures below). 8 different vehicle expenses were looked at in my cost of…
  • The 4 Biggest Challenges to Family Budgets and What You Can Do About Them

    Ben
    26 Aug 2014 | 10:04 am
    Getting started on a family budget can seem like a difficult task, but the actual process of setting up a family budget is relatively straight forward (read my tips for starting an easy family budget here). The problem, of course, is sticking to the budget once you and your partner have agreed to the “final” numbers.  It seems like something “always” comes up along the way and the budget gets blown.  Once the budget is blown we get frustrated and go back to our bad money habits. Here’s some of the biggest factors affecting the success of your budget and some…
  • Colleges With the Best Return on Investment

    Ben
    25 Aug 2014 | 7:13 am
    College rankings play an ever increasing role in where high school students decide to attend college.  Whether they admit it or not, college and university officials salivate over the reports each year in hopes that their respective institutions moved up on “the list”. When a college does move up on the list, top administrators issue press releases pontificating their success.  Of course, when a college moves down on a rankings list, its always because of a “flaw” in the ranking algorithms. US News and World Report, Forbes and Princeton Review each have their…
  • How Much Can You Afford to Spend on a Boat

    Ben
    24 Aug 2014 | 7:47 am
    Buying a boat is a very expensive proposition.  Not only does it cost a lot to buy a boat, boats are also much more costly to maintain and operate compared to a car or truck (fuel, insurance, storage fees, repairs, routine maintenance, marina fees, etc.).  Older boats are less expensive to buy but your maintenance costs are going to be even higher (in most cases). So how much should you spend on a new or used boat?  There are many variables to this decision, but here are some basic rules of thumb to to help you decide how much you should spend on a boat without taking too much risk on your…
 
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    The Dough Roller

  • DR 101: Should You Use an HSA for Retirement Savings

    Rob Berger
    28 Aug 2014 | 6:01 am
    Should you use a Health Savings Account (HSA) to save for retirement? That’s the question a listener to the Dough Roller Money Podcast asked recently. Here’s Mike’s email: Hi Rob, I have a question about my HSA at work. I have about $14,000 in it. I have not used it at all in the past as I have not had any significant medical expenses. This year I have medical expenses of about $5000. I have already paid the medical bills with non-HSA money. I would like to leave all of the money in my HSA year after year until I retire and use that money as a pseudo-retirement account. My…
  • Amazon.com Rewards Visa Card Review

    Rob Berger
    25 Aug 2014 | 11:05 am
    A reader named Harold emailed my recently. We discussed a number of topics, one of which was the Amazon.com Rewards credit card. Here’s what Harold had to say: would mention one more to you..the Amazon visa. I’ve been using it over the past year and very happy with it. You get 1% match on everything, 2% restaurants and drugstores and 3% on Amazon purchases. Can use the points to purchase items on amazon.com website. Works very well. I checked it out and the rewards package is as Harold described it: The rewards make the card ideal for those who shop a lot at Amazon. Three percent…
  • How to Calculate Investment Returns–A Simple Approach

    Rob Berger
    22 Aug 2014 | 1:15 pm
    I‘ve had several readers email me about how to calculate investment returns. It seems like it should be a simple task. We all have ready access to our mutual fund and brokerage accounts. These accounts often report a performance measure of some sort. Surely we can bring all of this information into one place to calculate an overall rate of return. If only it were that easy. Several factors make calculating the return more difficult than you might think. First, compound returns need to be calculated over multiple years. Second, for those making regular contributions to 401k, IRA, or…
  • DR 100: 100 Ways to Improve Your Finances (Most in Under 10 Minutes)

    Rob Berger
    21 Aug 2014 | 8:08 pm
    To commemorate the 100th episode of the Dough Roller podcast, I pulled together 100 ways to improve your finances. Let’s get started. 1. Balance your checkbook: Balancing a checkbook helps you focus on where you’ve spent your money and it ensures your bank hasn’t made any mistakes. With the help of budgeting tools such as YNAB, it takes just a few minutes. 2. Learn something new: With sites like Coursera and Udemy, continuing your education is as easy and inexpensive as ever. My next class? Introduction to Computational Finance and Financial Econometrics at Coursera. 3.
  • Should You Consolidate Debt with LendingClub or Prosper?

    Rob Berger
    18 Aug 2014 | 5:00 am
    LendingClub recently launched a new section of its website that lists statistics about borrowers and lenders. One data point that caught my eye is that about 50% of all LendingClub loans are for debt consolidation. Actually, at one point nearly 60% of all borrowers reported that they intended to use the loan to consolidate debt, but that number has come down a bit. Here’s a chart showing the top uses of LendingClub loans: Debt Consolidation Top Purpose for Loans There are a number of ways to consolidate debt. In the past, for example, I’ve used 0% APR balance transfer offers to…
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    Moolanomy Personal Finance

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

    Pinyo
    10 Aug 2014 | 6:00 am
    The following is the 2014 calendar of 5% cashback bonus promotions for some of the credit cards and debit cards that are currently offering a 5% promotion. These cards include Citi Dividend, Discover Card, Chase Freedom, […] Read Another Article: How to Get the Most From Your Rewards Cards Are You Selling Your Credit Score? Can a Prepaid Debit Card Help Your Credit Score? When to Use a Credit Card Instead of a Debit Card What is Your Credit Card Philosophy? Read the rest of 5% Cash Back Credit Cards, August 2014 Promotion Calendar at Moolanomy.com.
  • Best Banks with the Highest Interest Rate for Savings Account

    Pinyo
    5 Aug 2014 | 6:00 am
    Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. […] Read Another Article: How to Choose the Best High Yield Savings Account The Difference Between Money Market and Online Savings Accounts Savings Basics: How to Get Started with Savings Accounts Alternatives to Savings Accounts: CDs and Money Market Accounts Comparing CDs, Peer-to-Peer Lending, and Reward Checking Accounts Read the rest of Best Banks with the…
  • Top 10 Tax Deductions for Rental Property Owners

    Kevin Mercadante
    2 Feb 2014 | 5:00 am
    When you own rental property you are essentially running a small business. Here are 10 primary tax deductions for rental property owners that you can use to reduce your rental income for income tax purposes. 1. […] Read Another Article: How to Build Passive Income Stream With Rental Property Selling vs. Renting: Should You Sell Your Home or Rent It Out? Do I Get a Tax Deduction on Home Sale Loss? When to Hire a Property Management Company How to Invest in Real Estate Read the rest of Top 10 Tax Deductions for Rental Property Owners at Moolanomy.com.
  • Quarterly Estimated Tax Payments Due Dates for 2013-2014

    Pinyo
    2 Jan 2014 | 6:30 pm
    For all the freelancers, small business owners and self-employed individuals out there, staying on top of when the estimated tax payments are due is important to help you stay within the IRS tax payment guideline and […] Read Another Article: Do You Need to Pay Quarterly Estimated Taxes? Self-Employment Tax and IRS Estimated Tax Payment Late Payment Penalty for Quarterly Estimated Taxes Important Tax and Filing Dates for Individuals and Small Businesses Tips For Paying Self Employment Taxes Read the rest of Quarterly Estimated Tax Payments Due Dates for 2013-2014 at Moolanomy.com.
  • How Big Should an Emergency Fund Be?

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

  • Citi Double Cash Card Review: Earn 2 Percent Cash Back On All Purchases!

    Hu$tler
    28 Aug 2014 | 4:51 pm
    Citi® Double Cash Card offers unlimited 2% cash back on all of your purchases with no annual fee(earn 1% when you buy and another 1% when you pay). Unlike the Amex Fidelity card, you don’t need to apply for an extra account to get your cash back. The Citi Double Cash has no restrictive categories and no limits on the amount of cash back that you earn. Cards that offer 2% cash back usually don’t come around often so I strongly suggest to apply ASAP. You will also get 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%,…
  • Featured Cash Back Credit Cards, September 2014

    Hu$tler
    28 Aug 2014 | 2:14 pm
    Americans are good at spending money. Really good. With all the money that flows in and out of our households, it makes sense to try to capitalize on that. When we spend wisely or reward businesses with our purchase, shouldn’t we in turn be rewarded for doing business with them? Now more than ever, credit card companies are offering ways to do that with several cash back credit cards. “Bonus points”, “cash-back programs”, “spending incentives”, and “rebates” are just a few of the terms frequently tossed around by reward-savvy consumers in…
  • First Federal Bank Review: $150 Checking Bonus

    Hu$tler
    27 Aug 2014 | 3:13 pm
    My reader Wendy just emailed me about First Federal Bank $150 Bonus promotion with first mobile deposit and first online bill pay. The offer is valid until 8/31/2014 so hurry! You’ll earn up $150 when you open any checking(student, simple, e-checking, or relationship checking) account with a minimum $50 deposit to open. Your first $50 will be deposited with the opening of a debit card, another $50 will be deposited upon completion of the first Mobile Deposit, and the final $50 will be deposited upon completion of the first Online Bill Pay transaction. May not be combined with any other…
  • Featured Citi Bank Credit Card Bonuses, August 2014

    Hu$tler
    27 Aug 2014 | 3:04 pm
    While Citi is an advertising partner of HustlerMoneyBlog, the opinions and beliefs in this article are those of the author alone, who makes every effort to ensure the accuracy of the information. Are you in need to open a Citibank checking account? For those with nearby locations and thinking of using Citibank as your main everyday bank, you might as well open a Citibank $100 or $50 bonus along with many credit card bonuses available. Currently there is no Citibank Checking Account Bonus Coupons available. Check back on this bank bonuses page often. Don’t get stuck with a fee which will…
  • Sharebuilder Promotion Codes- Complete Bonuses & Free Automatic Investment Credits, August 2014

    Hu$tler
    26 Aug 2014 | 4:20 pm
    Sharebuilder, an online brokerage founded in 1996, is now offering many bonuses and free automatic investment credits. Part of ING Direct, Sharebuilder offers an online trading platform that is ideal for the novice investor; no minimum balance is required, and there are no maintenance or inactivity fees. They are best known for their investment strategies, including dollar cost averaging and free dividend reinvestment. These investment strategies area geared towards helping their clients make money and save money. Need to Open an Account? You can now get this Sharebuilder $600 bonus with…
 
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    Personal Finance News

  • Xulon Press and Geraldine D. Bryant Announce the Release of “Healing By His Spirit”

    ACN Staff
    29 Aug 2014 | 5:22 am
    PHILADELPHIA. Pa — Xulon Press is proud to offer the latest work from Geraldine D. Bryant, “Healing By His Spirit”, available through Amazon.com, Barnes and Noble.com, also Christianbook.com Healing By His Spirit is a compelling true story that spans 40 years in the life of a young woman and depicts a chain of events forcing […]Xulon Press and Geraldine D. Bryant Announce the Release of “Healing By His Spirit” was created by and is property of American Consumer News.
  • Are You Ready For The International Bikini Model Search Reality Show?

    ACN Staff
    28 Aug 2014 | 8:12 pm
    The International Bikini Model Search will be Televised LIGHTNING RELEASES: MIAMI, FL. (8/28/2014) – A new reality television series based on the world’s fastest growing modeling competition, the International Bikini Model Search, in now in development. The IBMS, a biannual event, brings together hundreds of aspiring models, photographers, magazines and talent scouts from around the […]Are You Ready For The International Bikini Model Search Reality Show? was created by and is property of American Consumer News.
  • CS Odessa Announces ConceptDraw PRO v10 New Business Graphics and Diagramming Software Application

    ACN Staff
    27 Aug 2014 | 8:30 pm
    ConceptDraw PRO V10, for Macintosh and PC, has added support for Importing and exporting Microsoft Visio™ 2013 files LIGHTNING RELEASES: San Jose, California (8/27/2014) —CS Odessa announces next highly anticipated iteration of our best-selling cross-platform business graphics and diagramming software, ConceptDraw PRO v10. The latest in the ConceptDraw product line comes in on the heels […]CS Odessa Announces ConceptDraw PRO v10 New Business Graphics and Diagramming Software Application was created by and is property of American Consumer News.
  • Vastly Experienced Entrepreneur Launches New Sales Book, which Lists Hundreds of Best Sales Practices.

    ACN Staff
    27 Aug 2014 | 11:58 am
    ‘The Master Skills in Selling’ is the new book published by experienced salesman, Don Westacott. LIGHTNING RELEASES (8/27/2014) – Don Westacott, who has spent over forty years successfully selling advertising and life insurance, has today announced the launch of his new book ‘The Master Skills in Selling’, which is a guide for salespeople that lists […]Vastly Experienced Entrepreneur Launches New Sales Book, which Lists Hundreds of Best Sales Practices. was created by and is property of American Consumer News.
  • Ion Cameras Partners With Multi Award Winning LED Lighting Manufacturer, Rotolight

    ACN Staff
    27 Aug 2014 | 11:39 am
    LIGHTNING RELEASES: London (8/27/2014) – iON Cameras Ltd, has announced its partnership with multi-award winning British LED lighting system manufacturer, Rotolight. The iON Pro Lighting Kit will be showcased at Photokina, 16-19th September, Cologne on stand A017, Hall 02.1 (iON Cameras Ltd). The partnership marks iON’s LED lighting system debut. Compatible with Air Pro 3 […]Ion Cameras Partners With Multi Award Winning LED Lighting Manufacturer, Rotolight was created by and is property of American Consumer News.
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    Cash Money Life | Personal Finance, Investing, & Career

  • 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…
  • I Joined the Air National Guard

    Ryan Guina
    14 Aug 2014 | 2:23 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at I Joined the Air National Guard. Last week I joined the Air National Guard. If you aren’t familiar with how the military is structured, the National Guard is part of the military Reserve Corps. It is a reserve component of our military that is often used to fulfill needs at the state level, or augment our active duty military. Some Guard members work in a full-time capacity, but for the most part, it is a part-time job often advertised as “one weekend a month, two weeks a…
  • 2014 Sales Tax Holiday – Tax Free Back To School Shopping

    Ryan Guina
    31 Jul 2014 | 2:34 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 2014 Sales Tax Holiday – Tax Free Back To School Shopping. Summer may still be in full swing, but parents of school age children only have a few weeks remaining before the kids are heading back to class. While it may seem a tad premature to be thinking about back to school shopping when many still have summer vacation plans on the horizon, there are definite savings to be found for early shoppers. There are several states that make early back to school shopping even more cost…
  • Net Worth and Personal Worth – Does Money Define You?

    Miranda Marquit
    31 Jul 2014 | 2:11 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Net Worth and Personal Worth – Does Money Define You?. One of the things that has disturbed me recently is the fact that some of the people in my life attach an absurd amount of importance to money. Specifically, they measure someone’s worth as a person by his or her net worth. This disturbs me because, while I think that money can be a great tool, I don’t think it defines your worth as a person. But such is the case. This person feels entitled, by his superior earning power and…
  • Ten Ways to Maintain the Value of Your Car

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

  • Four Tips On Ask For A Salary Raise

    GMM
    29 Aug 2014 | 2:00 am
    Everyone wants a salary raise. Who wouldn’t?Maybe you work hard, you deserve it, you’ve been in your position for quite some time, or you need a reason to stay with your employer - negotiating for a raise can be a great thing.With that being said, negotiating for a raise can be a daunting task. No one wants to be told no to a raise request. However, that’s the worst possible answer that you will probably be told, so I say GO FOR IT!Here are my four tips so that you can ask for a raise and receive a positive answer:1. Do your research.You should always be fair with what you…
  • How To Power Through a Job You Hate

    GMM
    27 Aug 2014 | 2:00 am
    We’ve all been there. You have a job you absolutely despise and you dread nearly every second of it. However, you have bills to pay, goals to meet, and you don’t want to quit, so you need to find ways to power through this job you hate and just stick with it.Here are different ways to power through a job you hate and not quit:Be positive.Okay, I understand that this can be very hard to do when you absolutely hate your job. However, a lot of it can be changed with just your mindset that you have.This is something I always try to do. Just putting a smile on your face, cracking a…
  • 5 Risks of Ridesharing

    GMM
    26 Aug 2014 | 2:00 am
    The other day I published the article Making Money With Uber. There are several different ridesharing companies out there, but they all have very similar risks with taking part in this relatively new way of making extra money.As always with any extra money idea, you should always look into all of the positives and negatives and do your research to see if the money making method is for you.1. Car insurance problems.Car insurance has been a big problem with ridesharing lately. You always need to check with your current car insurance company before you decide to sign up for Uber to make sure…
  • Making Money With Uber

    GMM
    25 Aug 2014 | 2:00 am
    Have you ever heard of Uber? Uber is a relatively new company that connects potential customers to those who own vehicles for ridesharing services. Uber provides this service in multiple cities around the world.Customers can reserve a vehicle by using their mobile app and then a customer can get picked up quickly, just like if you were to call a taxi.How much can a driver with Uber make each year?According to Uber, a driver in New York City can make up to $90,000 a year and a drive in the city of Dallas can potentially make $60,000 per year.These amounts are based on a 40 hour or more work…
  • How To Be The Best Babysitter

    GMM
    22 Aug 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…
 
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    The Wisdom Journal

  • 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…
  • Lying To Ourselves Is The Worst Lie Of All

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

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

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

  • Link Love 8/29/14

    Alexa
    28 Aug 2014 | 9:15 pm
    Happy Friday. I hope you had a good week and have an even better weekend. Just in case you’re in need of some weekend reading here are some of my favorite posts from around the web! How to Use Cloth Diapers @Budget Blonde Why Safety is Important to Your Finances @CNA Finance How to Stop Living in Limbo @Kylie Ofiu Is It Easier to Retire Early if You’re Married? @Retire by 40 Is Pinterest Making You Spend Too Much? @Real Simple Finances Have a good weekend :) The post Link Love 8/29/14 appeared first on Everybody Loves Your Money.
  • 5 Unusual Ways to Save Money

    Alexa
    26 Aug 2014 | 9:15 pm
    You’ve tightened your budget. You’re spending less money on groceries, have lowered your utility and cell phone bills but you still want to save more. Now what? You need some creative ideas to get more out of your money. Luckily, I can help. Here are five unusual ways you can save more money. Raise Your Own Chickens Call me weird but my one of my dreams is to buy a mini farm where I can raise my own chickens. Why, you might ask? Because my kids eat eggs like they’re going out of style and you can’t compare the taste of farm fresh eggs. According to this article from MSN money it costs…
  • How to Stop Payday Loans

    Me
    26 Aug 2014 | 5:39 am
    Are you feeling trapped by payday loans? This feeling can be one of a loss of control over your finances. If this is happening to you then you may have no idea what options you have to move forward. People across Canada look for ways to get out of their payday debt trap and stop the cycle of taking out payday loans. However, the good news is that this means that you are not alone in your fight to stop using payday loans. Here are some options that you have in order to get yourself out of stressful payday situations. Ask For Help It can be very difficult to ask for help when you need it, but…
  • 5 Smart Ways to Keep a Renovation Budget Down

    Alexa
    24 Aug 2014 | 9:15 pm
    After waiting on a contractor for months my boyfriend is finally renovating his bathroom. He lives in a nice, older suburb right outside of town. While his 1950’s brick ranch is in good condition for the most part, the bathroom was not. Aside from the ugly blue tile, toilet, bathtub, and sink there was really one major problem: mold. A problem with the vent in the bathroom had led to mold starting to grow on the ceiling. The whole bathroom needed to be gutted. Over the past week the bathroom has been ripped down to the studs and is slowly being built back up. A complete gut job like this…
  • Link Love 8/22/14

    Alexa
    21 Aug 2014 | 9:15 pm
    Good morning and happy Friday! I hope you’ve had a good week and just in case you’re in need of some weekend reading I’ve rounded up some of my favorite posts for ya. Enjoy. 5 Ways to Combine Finances with Your Spouse @Finance Girl 5 Simple Tips to Prepare for a Career Change @Outlier Model I Paid Off My Mortgage @No Nonsense Landlord Top 3 Frugal Things to Do in New Orleans @Add Vodka Be Kind to One Another @Shop My Closet Project Have an amazing weekend! The post Link Love 8/22/14 appeared first on Everybody Loves Your Money.
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    CreditCards.com

  • 4 tips for saving on baby costs

    Kelly Dilworth
    29 Aug 2014 | 5:00 am
    Soon after my husband and I found out we were expecting, I drew up a list of "must-have" baby items -- ranging from a car seat and stroller to baby sunscreen. I wanted to get a sense of how much our son was going to cost us in his first year, and I was eager to stock up early, just in case he greeted us well before his due date. At the time, I thought I was being selective. I combed through dozens of newborn checklists that itemized "essential" baby gear and only wrote down the supplies that seemed absolutely necessary. I used Amazon.com to help me estimate the cost of every purchase and…
  • Prep for holiday shopping now to save later

    Sienna Kossman
    27 Aug 2014 | 8:00 am
    There are a little more than 17 weeks until Christmas, fewer than 16 weeks until Hanukkah and about 14 weeks until Black Friday.That means you have less than 120 days to prepare for the 2014 winter holidays. Do I hear a collective groan?Summer is just winding down, but I've already seen holiday countdowns on the Internet. It may seem crazy early, but retailers are even now prepping for holiday shopping season. And if you have your finances' best interests in mind, maybe you should be, too.Here are five money-saving strategies to help prevent major debt accumulation (and stress) by the time…
  • Smart money moves for the under-30 set: Are they realistic?

    Kelly Dilworth
    22 Aug 2014 | 5:00 am
    I'm turning 30 in a few weeks and, according to some personal finance experts, I've only completed a fraction of the financial moves I'm supposed to have made by now. I'm not the only one. According to a recent survey by Bankrate.com, 69 percent of millennials aged 18 to 29 still don't have a dime saved up for retirement. And a February 2014 study published by the TIAA-CREF Institute found that many college-educated millennials are still struggling to repay their loans. Nearly half of all millennials with student loan debt, for example, are worried about defaulting on their payments.
  • Tips for staving off student loan debt blues

    Sienna Kossman
    20 Aug 2014 | 6:00 am
    Carrying student loan debt can make you question your life choices, stay in more often on Friday nights and promote higher levels of ice cream consumption. And now there's data to prove it.A Gallup survey of 29,560 Americans who graduated with a bachelor's degree between 1990 and 2014 found that college graduates who carry the highest student loan debt feel the worst about their overall quality of life, not just about low bank account balances.To determine how individuals are or are not thriving post-graduation, Gallup partnered with Purdue University and Lumina Foundation to poll respondents…
  • 6 easy ways to become a great price negotiator

    Teri Cettina
    19 Aug 2014 | 8:00 am
    The same strategies master negotiators use to broker multimillion-dollar business deals can also net you big discounts with retailers, financial institutions and service providers. I interviewed Stuart Diamond, Professor Emeritus at the Wharton School at the University of Pennsylvania and author of "Getting More: How You Can Negotiate to Succeed in Work and Life." He shared his great deal-making tips with me, and encouraged me to test them out firsthand. I have always been a bit timid about haggling, but I was surprised how fun the negotiating process can be -- you don't have to bargain like…
 
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    One Frugal Girl

  • 31 Days of Giveaways

    One Frugal Girl
    20 Aug 2014 | 10:34 am
    Are you gearing up for Back-to-School? Educents is celebrating with the 31 Days of Giveaways Not familiar? For the entire month of August, Educents will host MONTH-LONG giveaways for all of your Back-to-School needs, including an Apple iPad Mini, ink & toner for the whole school year, a family vacation, curriculum and MORE! Make sure to enter the grand prize! Win the GRAND PRIZE from Educents: a NEW Apple 32 GB WiFi iPad Mini
  • Book Review: What Counts Most is How You Finish

    One Frugal Girl
    18 Aug 2014 | 5:00 am
    About the Book: What Counts Most is How You Finish is a book of short essays that shares ideas for addressing life’s challenges. The book (which uses experiences from the author’s life and the lives of others) is written with two ideas in mind:  • Each person has to find his or her own way in life • We can learn worthwhile things from each otherTo make it easier to find an essay that can help the reader address life situations in real time, What Counts Most is How You Finish is divided into seven topic areas: Being You, Taking Care of You, Dealing with People, Overcoming…
  • A Follow Up to That $440 Question

    One Frugal Girl
    17 Aug 2014 | 1:37 pm
    I decided to spend the extra money to avoid the twelve hour round trip drive from our vacation spot to my doctor’s home office. I’m frugal enough in other aspects of my life to weather the $440 bill. Unfortunately, when I arrived at the hospital the clinical staff could not confirm the cost of my test. I was told that my initial estimate was probably correct, but that the hospital could not provide the exact cost. Apparently the hospital farms out their billing processes to a third party who could not be reached to provide an estimate either. I asked if I could receive the total…
  • Just a Few of the Ways I’ve Wasted Money

    One Frugal Girl
    13 Aug 2014 | 9:02 am
    As I was contemplating my decision to stay at the beach I couldn’t help but think of all the ways I’ve wasted money over the years. There was the time we remained on COBRA long after we should have switched over to my husband’s insurance plan. We paid well over $1500 a month and went to the doctor only twice during that period. Switching plans would have saved us over $9,000 a year. With a young son I wanted to know we had the best insurance possible, but I could have paid our entire deductible three times with the extra money we spent. How about the time I paid full…
  • What Would You Do? Drive 12 Hours to Save $440?

    One Frugal Girl
    9 Aug 2014 | 8:56 am
    My doctor wants me to undergo a specific medical test. I am currently out of town and didn’t plan to return for at least three weeks. If I seek medical attention while I’m away all services will be priced out-of-network, which means I will pay full price. We are not even close to meeting our $4000 out-of-network deductible for the year. The estimate for the procedure is roughly $550. In order to use my in-network services I need to drive over six hours home and another six hours back. That’s twelve hours of driving I did not intend to incur. I initially planned to make the…
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    My Dollar Plan

  • This Month’s Most Popular Finance Tips: August

    Madison
    28 Aug 2014 | 6:29 am
    This month our favorite finance discussion topics were budget friendly cooking, purchases that keep costing your money, the Santander repeating bonus, becoming a billionaire, cutting your losses on Amazon, and things your homeowner’s insurance won’t cover. If you missed the most popular finance tips this month, here’s a quick overview: This Month’s Most Popular Tips: August How to Become a Billionaire. Don admits that from the start the odds are against you becoming a billionaire. But it’s a fun discussion anyways! 3 Basic Rules to Be a Budget Friendly Cook. Kristen…
  • What is a Stock Buyback?

    Don
    27 Aug 2014 | 6:29 am
    If you pay any attention to business news, you will no doubt hear stories on how so-and-so company is implementing a stock buyback program or how they are increasing the amount of their current stock buyback program. The question is, what the heck is a stock buyback program and as an investor, should you care? Is this good for you or bad for you? What is a Stock Buyback? Before we get into the advantages and disadvantages of stock buybacks, we need to talk about and understand what a stock buyback is in the first place. A stock buyback is when a company goes out and buys back and retires…
  • 10 Free Things for College Students

    Kristen
    26 Aug 2014 | 6:29 am
    College is an exciting time, but it can be hectic. Between classes, working, and spending time with friends, you may just miss out on great opportunities that are only available to you while you’re in school. Here are ten not to miss: Photo by: Sean MacEntee Free Things for College Students Career Center: From the moment you step on campus, you should be visiting the career center if available to you. From the start, they can help you start building a portfolio or guide you towards actions you should be taking now to help find a job after graduation. They can recommend courses to take,…
  • Focus on These 4 Things for Your Mid-Year Financial Review

    Don
    25 Aug 2014 | 6:29 am
    Most of us sit down sometime around the new year, organize our finances, and create a budget for the upcoming year. We plan out our expenses and how much we want to save. Then, many of us either put the budget aside and never look at it again, or we follow along, exactly as planned. No matter which camp you fall into, I am here to tell you that it is important for you to take a mid-year review of your finances. You don’t need to take a magnifying glass to each and every category, but rather take an hour or so to look things over. Here are some of the things you should be focusing on.
  • US Bank Business Edge 10,000 Point Sign Up Bonus

    Madison
    22 Aug 2014 | 6:29 am
    US Bank is rolling out a new card, the U.S. Bank Business Edge™ Select Rewards card. The card features a 10,000 bonus point sign up bonus; it’s our Free Money Friday offer this week! How to Get Your Sign Up Bonus Open a new U.S. Bank Business Edge™ Select Rewards card. Spend $500 during the first 90 days. Get 10,000 bonus points. Terms and Conditions No annual fee. You are eligible to receive one-time bonus Points for each new U.S. Bank Business Edge Select Rewards account type. Unlimited points with no caps. More on US Bank Edge You Pick the Points Category. You will earn 3 points…
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    My Financial Journey

  • 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…
  • Retirement Nestegg Report – April 2014

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

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

  • Goodbye, Job!

    Jackie Beck
    25 Aug 2014 | 5:00 am
    After 9+ years with the same employer, this will be my last week at my job. It’s bittersweet to leave after all this time, but I’m super excited to just be doing my own thing now. Well, now meaning after Friday :) Maybe I’m a little crazy to quit now, since my husband was just laid off, but in a strange way it seemed like a good time. We can both have a fresh start at the same time. (And I’ve never been one to do things the “normal” way anyway.) So what will I be doing now? Blogging, for starters I’ll be blogging more for starters. More places, that…
  • The FBA Experiment (Part 3)

    Jackie Beck
    18 Aug 2014 | 5:00 am
    I got signed up late last month as a Fulfillment by Amazon (FBA) seller. I wanted to experiment with retail arbitrage as another way to make extra money, and FBA sounded interesting precisely because Amazon would be in charge of fulfilling the orders. Here’s my experience so far. Getting ready I started out by doing a little research so that I could learn at least the basics of what I might be getting into. (See part one of this series for more info on that.) I especially concentrated on Amazon’s shipping requirements, since I wanted to be sure I understood. I decided to look only…
  • Can You Name Your Most Important Asset? (It Might Not Be What You Think)

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    11 Aug 2014 | 6:00 am
    What is your most important asset? Is it your house, your investments, your education, or something else? That’s a trick question of course, because your most important asset isn’t something you can buy or sell. It’s your health. Yet our health is often one of the most-neglected things. Even those who do take excellent care of their health can still be afflicted with diseases or hurt in an accident. It pays to keep that in mind. What if you could no longer work? What would happen if you became disabled and were no longer able to earn an income? Even if you’re not the…
  • 6 Ways to Improve Your Focus (And Beat Procrastination)

    Jackie Beck
    4 Aug 2014 | 6:00 am
    If you’re like me, you may find it difficult to get things done due to a combination of procrastination and distractions. Here are six ways to improve your focus so that you can accomplish the things you want to get done. 1. Prepare Pick a time each day to plan out the things you need to accomplish the next day. Get into the habit of looking through your planner & adding things at a certain time each day, with a final flip through the planner after you complete your work for the day. (I use Google Calendar as my “planner”.) If you have a project coming up soon that…
  • Keeping Things in Perspective

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    28 Jul 2014 | 6:00 am
    Do you have something that you’re struggling with or that you keep beating yourself up over? Especially if it’s something that you don’t have a lot of experience with, or if you have never been taught much about, you may not realize that struggling is normal. It might be time to put things in perspective. Bear with me for a moment and give this exercise a try. (Really do it, because it’ll take less than a minute.) A quick exercise Grab a piece of paper and write out your first and last name. Now switch hands and do it again. What do the two versions of your name look…
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    Million Dollar Journey

  • Working after Retirement, Minimalist Principles, Amazon Student Prime, and more!

    FrugalTrader
    28 Aug 2014 | 4:30 am
    In his ‘best of’ series for the summer, The Blunt Bean Counter discusses about the One Big Happy Family – Until We Discuss the Will. It is likely that at least a few retired people will want or need to return to the workforce at some point; Canadian Finance Blog writes about How to Go Back to Work if You’re Already Retired. Canadian Couch Potato demonstrates the significance of knowing your investment risk tolerance through Do You Really Know Your Risk Tolerance? Sustainable Personal Finance offers multiple reasons for Why You Should Consider Adopting Minimalist…
  • Ending the Mortgage Paydown vs. Investing Debate

    Guest Blogger
    25 Aug 2014 | 4:30 am
    This post is from Mark Seed who runs My Own Advisor. A huge debt can kill your retirement plan.   This is not news.   While servicing debt, you can’t save very much money.   You can’t invest what you don’t save.  Taking on a mega-mortgage could be very stressful for young Canadians.  I should know.   We took on a hefty mortgage when we purchased our current home. I’ve also read some recent counter-arguments to paying down the mortgage.   Mortgage rates are cheap right now and have been for years, this implies debt is “easy” to pay back and you don’t need to rush to…
  • Net Worth Update August 2014 – Sean Cooper

    Sean Cooper
    22 Aug 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.  Sean Cooper was selected as a team member and will post net worth updates on a regular basis.  Here is more about Sean. Profile: Name: Sean Cooper Age: 29 Net Worth: $521,149 Day Job: Employed with a major global pension consulting firm. Family Income: $50,000 (full-time job), $18,600 (rental income before expenses), $20,000 (approximate freelance…
  • The Smith Manoeuvre Resource

    FrugalTrader
    18 Aug 2014 | 4:30 am
    Over the past year so, MDJ has posted many articles on the topic of using a HELOC to invest in equities aka: The Smith Manoeuvre. As I’ve been receiving quite a number of emails regarding the Smith Manoeuvre lately, this article compiles all the posts into a single Smith Manoeuvre Resource. Hopefully, you’ll find it useful. The Basics The Smith Manoeuvre Basics Common Smith Manoeuvre Questions My Complete Smith Manoeuvre Plan The Smith Manoeuvre Money Flow Chart How the new HELOC rules (2013) affects the Smith Manoeuvre The Contrarian Downsides of the Smith Manoeuvre Readvanceable…
  • Traveling Overseas? Check out these Health-related Tips!

    Clark
    13 Aug 2014 | 4:30 am
    Overseas travel is a favorite pastime and/or goal for many people. Travel can provide a new experience through the chance to see great landscapes and monuments and meet new people and learn their culture, not to mention temporary relief from the monotony of everyday life. However, it is vital that a traveler stays healthy to maximize the value from such trips to foreign locales. This post will provide some tips about health and care when traveling to overseas locations. Travel health kit Similar to an emergency kit, the necessity of a travel health kit is probably underestimated until the…
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    Bible Money Matters

  • You Need A Budget 4 (YNAB) Is Now Free For College Students

    Peter Anderson
    27 Aug 2014 | 4:14 am
    You Need A Budget recently announced that they are making YNAB free for college students. Here's a step by step of how you can get the software for free. The post You Need A Budget 4 (YNAB) Is Now Free For College Students appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot)

    Peter Anderson
    26 Aug 2014 | 4:38 am
    You can save a lot of money when attending a state fair or other big event, but in the end, does finding discounts help you rationalize spending more than you might have otherwise? The post Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot) appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 3 Things You Should Know About Consumer Credit Sites

    Miranda Marquit
    25 Aug 2014 | 8:58 am
    Consumer credit sites can be helpful, but you do need to be aware of their limitations. Here are 3 things you should know about consumer credit sites. The post 3 Things You Should Know About Consumer Credit Sites appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 4 Easy Steps To Start Getting Your Finances In Order

    Peter Anderson
    21 Aug 2014 | 9:54 am
    When all the signs are telling you that you should be doing your best to get things under control, and get a fresh start, where should you begin? The post 4 Easy Steps To Start Getting Your Finances In Order appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • If You Want To Save Money, Consider The Costs Of Moving

    Melissa
    18 Aug 2014 | 10:28 am
    We didn't anticipate just how expensive moving, especially moving long distances, can be. Here's what to consider before you pick up and move. The post If You Want To Save Money, Consider The Costs Of Moving appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Canadian Personal Finance Blog

  • Back to School Week

    Big Cajun Man
    26 Aug 2014 | 4:13 am
    In some parts of Canada school is already “back in” but in Ottawa, we have another week until school is back in session, and I am enjoying some time off, but for those who may not be up to date with my encyclopedic library of posts, here are a few good ones for your back to school planning this week. It just all adds up don’t it? When my kids were going to High School I was never very happy with all the hidden costs, little did I know how that was nothing compared to higher eduction:  I Thought Public School was Free? I was running low on ideas and asked my wife for a topic…
  • Broken Humerus, Ebola, Anniversaries, Blood and #theBestFin4TheWeek

    Big Cajun Man
    22 Aug 2014 | 4:40 am
    An eventful week at the C8j household, with young Master C8j breaking his humerus, whilst playing on the Monkey Bars at camp. It was a long process to get him fixed up, Mrs. C8j carried the brunt of the load, but now Master C8j has 4 Kirschner Wires in his elbow and a while until he gets to climb on the Monkey Bars again. This is what 9 year olds do, is what I am told by the surgeon (he says there are many of these same procedures done on kids at CHEO every year). Yesterday all I could think of was Bill Cosby’s old standup routine about the Playground (I have included it at the end of…
  • Financial Advice in the Oddest Places

    Big Cajun Man
    20 Aug 2014 | 5:20 am
    I was reading the latest Cosmopolitan Magazine (August 2014) and found a very good to the point set of advice by their  financial columnist Alexa von Tobel . Let me preface this discussion with a short explanation about why I might be reading Cosmo: First, I am the Father of 3 lovely young ladies and married to a wonderful wife who enjoy reading the magazine, and I have found it an interesting read usually; Second, I was reading it at the Library so it was free, well not really, I was reading it using the Ottawa Public Library’s Zinio App ; Finally, I read many different magazines,…
  • “I’m an indexer. I don’t care what the indexes did today!”

    bigcajunman
    18 Aug 2014 | 5:07 am
    “I’m an indexer. I don’t care what the indexes did today!”  - Preet Banerjee (2014) These words were spoken by a well known financial Media Maven Preet Banerjee , and in that quip he captured the essence of the Index’ing (and Couch Potato) investing method. All Index Investors Do is Balance As an investor aren’t you supposed to watch the markets every single day, to make sure your investments are doing OK? I know people that do that, and I know people who get upset by the “moods of the markets”, my question is: why? If you are that worried…
  • It is Done, Ice Bucket Challenge, Media Perceptions and #theBestFin4TheWeek

    Big Cajun Man
    15 Aug 2014 | 5:10 am
    This week Robin Williams decided he couldn’t deal with the inner demons (or Parkinson’s Disease, evidently) he had, and ended his life. Everyone has choices in life, but if you are having these thoughts, please go get help before you make any final decisions. More likely the photo used if I am ever mentioned in the Media (Cranky Old Guy) The ALS (Amyotrophic lateral sclerosis ) “folks” in the states seem to have found a viral shtick that is catching on and that is the Ice Bucket Challenge. It seems many celebrated folks are dowsing themselves with Ice Water to show…
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    Early Retirement Extreme

  • Intelligence, experience, and wisdom

    Jacob
    29 Aug 2014 | 1:46 am
    Experience without intelligence is just information or a walking encyclopedia. Intelligence without experience is knowledge and knowledge without experience is unwise. Experiences can be bought (and some say they are better than stuff). Intelligence can not be bought with money (but some say it can be developed through effort and time). Ideally one should strive for a balance. The strategy of education is loosely to add experiences until they match our intelligence. But what method if any exists to increase intelligence to match our experiences? Expert advisers? Comment: Incidentally, I am…
  • Children and early retirement

    Jacob
    28 Aug 2014 | 1:42 pm
    Sometimes the question of children and how it factors into extreme early retirement comes up. Now we don’t have children, so what follows is purely my theoretical thoughts on raising a child and how it would impact on early retirement (and the child). I believe that having a stay at home parent is a very good idea and I do not think I would do it otherwise. I had a stay at home parent myself. My mom stayed home full time for the first 6 years and after that she took a part time job, so we never came home to an empty house. This naturally plays very well into the idea of early…
  • Build a worm composting system

    Jacob
    28 Aug 2014 | 1:42 am
    In an effort to reduce the outgoing mass of garbage, this being a good proxy for measuring ecologic inefficiency and by implication, economic inefficiency, I have built a worm composting system out of two plastic totes. I essentially followed the instructions I found on a website. The two grey 10 gallon totes were $3.50 each (lid included) at the local walmart. We had to buy a 1/4″ drill to make the holes in the bottom. I assumed the size of these are critical since the worms eventually have to go through them. In retrospect it’s probably not that important. For the ventilation I…
  • Teaching and talking

    Jacob
    27 Aug 2014 | 1:40 pm
    In my previous life I had to give talks on a regular basis usually running from around 15 minutes to 60 minutes (questions included), although a few were 10 minutes and 120 minutes respectively. I found the size of the audience (usually 10-300) never really matters as much as its composition, here experts are easier to “handle” than non-experts, because the latter may misunderstand the subject and ask strange questions(*). (*) My favorite one being the nuclear physicist who was trying to use the optical theorem (quantum wave scattering) to try to understand a binary star…
  • Building an intentional early retirement community

    Jacob
    27 Aug 2014 | 1:38 am
    Suppose someone initiated a real estate development project in a fairly central location close (no need for cars) to markets and jobs with housing sizes ranging from 100–500 sqft, optional lawns (likely no lawns), but plenty of plots for gardening, likely arranged in a permaculture fashion. These could either be part of the rent or they could be rented separately or even set up as a CSA. There would be a central laundromat. There would be wifi with area antennas.There would likely be a central tool library which could work with a deposit to become a member or alternatively, it could…
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • 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.
  • Monthly Update - April 2014 ($1,689,963, +$19,015)

    webmaster@pfblog.com
    10 May 2014 | 2:34 pm
    After a mild setback in March, our net worth resumed its steady growth. In April with a monthly improvement of $19,015, or 1.1%, making it the best showing in the last six months. 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 - March 2014 ($1,670,949, -$5,413)

    webmaster@pfblog.com
    10 Apr 2014 | 3:21 am
    Our net worth ended the month of March 2014 at $1,670,949, a slight 0.3% retreat from the prior month. All in all, we ended the first quarter of the year with a combined net worth gain of $11,400, or 0.7%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
 
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    2million's Personal Finance Blog

  • July 2014 Net Worth Update (-$12,499)

    2million
    3 Aug 2014 | 12:34 pm
    Highlights for JulyI just signed up for our 4th and 5th new credit card promotion opportunity this year. Since we have no plans to utilize our credit for other financing anytime soon, we plan to make a little money off our credit scores by taking advantage of these promotional opportunities. We have already earned $1,600 in gift cards from 3 of these opportunities in 2014. We are not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet based on their cost…
  • Toyota Sienna 2014 Purchase Breakdown

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

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

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

    2million
    12 May 2014 | 7:11 pm
    Highlights for AprilWe finished up earning $1,000 in credit card signup bonuses for 2 credit card signups w/ spending requirements. Im not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. I redeemed for a $500 Walmart gift card and a $500 Home Depot gift card which both will easily be consumed by our normal run rate expenses.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe…
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    FIRE Finance

  • Check Scam - Don't Be A Victim

    19 Aug 2014 | 11:11 pm
    Aug 19, 2014: We received a letter in the mail which had a check and a notification. It said that we'd won a foreign lottery! So far so good, after all who does not like free money especially lotteries. The next step was to deposit the check but there was a catch which raised our suspicion. We're told to keep the portion representing our winning and wire transfer $3000 back to cover the taxes so Click on the post title to continue reading .....
  • Back To School - Super Savers Guide

    14 Aug 2014 | 11:59 pm
    Aug 14, 2014: Back to school season is here. Parents and students alike are busy planning, budgeting and shopping to meet the semester head on. With rising tuition and increasing costs of school as well as college education, getting our kids back to school can be a major drain on our pockets if we don't plan it well. It gets better if we can get our kids to cooperate with us :). Well, easier said Click on the post title to continue reading .....
  • Top Traffic Referrers for FIRE Finance - Jul 2014

    5 Aug 2014 | 11:11 pm
    Aug 05, 2014: July saw us traveling a lot. It was really a challenge to maintain this blog amidst our busy schedules. Thankfully, we were able to meet the challenge successfully :). Heartfelt thanks to our loyal audience and friends from the personal finance community for sending traffic and visiting FIRE Finance. We express our gratitude to July's top traffic referrers: Equifax Blog Tight Click on the post title to continue reading .....
  • July's Best of FIRE Finance - 2014

    31 Jul 2014 | 12:46 pm
    Jul 31, 2014: July was renamed for Julius Caesar, since he was born in this month. Earlier, it was called Quintilis in Latin, since it was the fifth month in the ancient Roman calendar, before January became the first month of the calendar year. However in the Gregorian Calendar July is the seventh month of the year. We like July since on an average, it is the warmest month in most of Northern Click on the post title to continue reading .....
  • Why do we get laid off? A complicated corporate work culture ....

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

  • Friday Finances: August 2014, Week 4

    Lulu
    22 Aug 2014 | 8:34 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $110.22 for renter’s insurance for the year. I have lived in this complex for the last two years without having renter’s insurance. It was never required by the complex but I guess they have been having issues with people recently. Last year they mentioned that we needed to get insurance but it…
  • CVS Is Teasing Me

    Lulu
    17 Aug 2014 | 11:51 pm
    Hi everyone! The long time readers will remember how I used to combine CVS with coupons to get some amazing items all for FREE!! I stopped doing the whole CVS thing around the time I found out I lost my job. When I moved for school there was not a CVS within a reasonable distance of the places that I frequently go to so I did not bother to start up with the weekly CVS shopping. Now I see that there is a new CVS being built across from campus and within walking distance of my building. Is this CVS teasing me and trying to lure me back? Now that it is a few steps away and I do not have to drive…
  • Friday Finances: August 2014 Week 3

    Lulu
    15 Aug 2014 | 5:08 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: $53.42 on a variety of items including food (dry items that I ordered online) and household products. One very important purchase (in my world anyway) is new shower curtain rings. I have some metal ones that I purchased two years ago when I started school. They have since begun to rust and not only…
  • It Pays To Ask Twice Sometimes

    Lulu
    12 Aug 2014 | 11:01 pm
    I got locked out of one of my banking accounts recently. It is the bank on campus and it is one that I use only on the rare occasions that I have cash to deposit. If I end up having a large amount, well larger than $20, I will go to that bank when I am on campus and deposit the money there. I will then make transfers to my ING/Capital One account which happens to be my main bank. In any case somehow the password got entered incorrectly and I was locked out of the online system. I was on campus and had some cash to deposit so I thought I would ask the reps if they could unlock the account. The…
  • School Starts In Two Weeks

    Lulu
    10 Aug 2014 | 9:08 pm
    Well actually the full fall semester starts in two weeks but I will really begin classes today since I am attending the intersession section. Technically it means I don’t get a break from classes while almost everyone else gets to relax for two weeks. In addition to classes starting up I will have a big tuition bill once again and this is taking a toll on the education fund which is slowly dwindling to a tiny bit of money. In any case I am excited to take on another year in this PhD program because it means I am one year closer to my goal. I pray that everything goes smoothly this…
 
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    Funny About Money

  • Lies and Prevarication

    funny
    28 Aug 2014 | 3:10 pm
    We’re told — I forget where, offhand — that the present generation receives the word “lie” as unforgivably rude. So, to spare any Millennial blushes, let  us discuss the Art of Prevarication. Isn’t it amazing, what people get away with? They get away with it so frequently and so sublimely that they regard it as part of life, their natural privilege. Ms. Neighbor — the one who was prevented from boarding my ship because my son had the cojones to go across the street and tell her “no!” — called the day before yesterday to wish me luck…
  • Never Rains but It Pours…

    funny
    27 Aug 2014 | 8:30 am
    damNAtion! Is this EVER going to stop???? So, having been rescued from a potentially bottomless fiasco, come yesterday afternoon I’m sitting here staring into the computer, trying to decide whether to start on the client’s latest barrage of chapters, whether to try to figure out what my own character is going to say next, whether to give up and just cruise the Web for awhile, or what…when the phone rings. It’s the brand new English Division chair. “We have a problem with your online course,” says he. “Which one?” I ask. I figure the 235 section…
  • Bizarre Day on Wisteria Lane…

    funny
    26 Aug 2014 | 7:13 am
    Yesterday was bizarre. That’s about the only word for it. I swear, we no longer live in a Monty Python Show. We seem to have moved to Desperate Housewives’ Wisteria Lane. I’m racing around trying to get out the door to meet my friend and business partner in Tempe for lunch at the fancy restaurant we favor, there to celebrate her birthday. The doorbell rings. The dogs go batsh!t. It’s my neighbor cattycorner across the street. She’s sold her house and is moving out, apparently having fallen on hard times. The sale closes on Friday, the 29th. As it develops, she…
  • $4333 an Hour??

    funny
    24 Aug 2014 | 8:30 pm
    So along comes an itemized statement of charges from the Mayo Clinic, for the surgery, the anaesthesia, the this, the that and the other. Are you ready? Are you sure you’re ready? Be forewarned: it may not be possible to be ready. Okay, so you’re really ready… Thirteen thousand dollars. That’s right: $13,000. Think of that. The whole adventure from start to finish took about three hours. $13,000/3 = $4,333.33 an hour {sigh} Reminded, once again: we’re in the wrong business.
  • The Worst Threat the World Has Seen Since WW II

    funny
    22 Aug 2014 | 8:33 pm
    The Guardian is running a story titled “‘Apocalyptic’ Isis beyond anything we’ve seen,’ say US defence chiefs.” Now, it’s true, The Guardian tends to exaggerate. But lemme tellya: this one is no exaggeration. I lived in Saudi Arabia for ten years, in one of the remotest parts of a remote kingdom. We lived among the local people, who, during the 1950s, were still dwelling in conditions Europeans would think of as medieval, culturally and materially. No love was lost on Americans among the Saudis, and let me assure you, the murder of an innocent victim such as…
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    Lending Club Blog

  • 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…
  • Is Lending Club Available in My State?

    Lending Club
    7 Jul 2014 | 7:31 am
    Is Lending Club available in my state? That is one of the most frequently asked questions from those thinking of borrowing or investing through Lending Club. Ultimately, we want residents of all states to be able to borrow and invest through Lending Club. However, each state has individual laws about investments in securities, as well as lending rules and regulations. Consequently, it can sometimes be confusing – residents of some states may borrow but not invest, residents of some states can invest but not borrow, and many lucky folks can do both. Here is an up-to-date view of states…
  • 5 Things Everyone Should Do Before a First Interview

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

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

  • The Down and Dirty on Cruise Savings

    Janet Al-Saad
    27 Aug 2014 | 9:00 am
    If you haven’t taken a cruise lately, you might be surprised by the variety of offerings now available. No longer are cruises the sole province of greasy buffets, cheesy dance contests and screaming kids – some of the newer ships are downright luxurious, offering five star dining created by celebrity chefs and onboard activities to rival the fanciest resort. But don’t take my word for it. Here are some down and dirty tips on how to score a cruise vacation so cheap, you’ll almost feel like you took advantage of the cruise company. Don’t Book in Advance No, that’s not a typo. I said…
  • 5 Easy Ways to Save More Money

    Brittney Castro
    25 Aug 2014 | 9:30 am
    If I’ve learned anything in my work as a financial planner during the past eight years, it’s that if something is too hard to implement in our financial lives, chances are we just won’t do it.  Most of us know the importance of saving for financial goals, but go about saving all wrong—and therefore make it much more painful than it needs to be.  So to make things easier for you, I’ve outlined five ways to help you save more this year. 1. Have clear goals. Know what you’re saving for.  How can you reach a target if you don’t know what the target is?  Having clearly defined…
  • Labor Day Travel on a Budget (infographic)

    Holly Perez
    21 Aug 2014 | 9:00 am
    Labor Day is a time to recognize the hard work we all put in year-round. Why not get away for the weekend? Here are some helpful tips to save money while you relax, plus a look at Labor Day’s origins and some fun facts.
  • Squeezing in a Last Minute Summer Getaway

    Holly Perez
    20 Aug 2014 | 9:00 am
    It’s not too late to squeeze in a last-minute summer getaway.  Whether you’re looking for something adrenaline pumping or serene   – there’s no doubt that creating a budget will help you plan. Here are seven budget-friendly tips to help you make your dollar and your fun go farther. 1. Budget first.  Before you plan anything, know how much you can spend. Keep in mind you’ll have to cover travel to the destination as well as lodging, meals and activities. The Mint.com Travel Calculator will help you save money today so you can enjoy a debt-free getaway. It lets you add in…
  • Cocktails on the Cheap: 4 Ways to Save on Drinks This Summer

    Mint.com
    15 Aug 2014 | 9:00 am
    Scorching summer temperatures and outdoor gatherings with friends and family have people  thirsting for cool,  refreshing cocktails on a budget.  Here are four easy ways to mix up some mouth-watering beverages without putting a strain on your wallet. Choose Your Booze Prefer vodka to gin? Stick with your preference and use the money you’d spend on other alcohol for different mixers. The price of an additional bottle can easily equate to the cartons of orange juice, tonic water and cola that let you create a variety of tasty drinks. There are some great non-alcoholic beverages that will…
 
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    Personal Finance Buzz - Published news

  • Discounting cash flows versus using multiples

    Moneycation
    27 Aug 2014 | 2:35 am
    The present value of future cash flow and ratio multipliers are different financial metrics that yield insights about corporate value and commercial viability.
  • How To Get Pre-Approved For a House

    repaid
    26 Aug 2014 | 8:24 am
    The mortgage process can be full of highs and lows, but nothing can make you feel worse than finding the perfect home only to be denied for a mortgage. That ultimate low can be avoided by being pre-approved.
  • HOW TO KNOW YOU’RE FINANCIALLY READY FOR CHILDREN

    frugalrules
    26 Aug 2014 | 8:22 am
    Being financially ready for children is a big reason many couples wait to have kids until later in life. How can you know when the time is right for you?
  • How to Beat the 401k Retirement Age

    frugalrules
    26 Aug 2014 | 8:20 am
    The 401k retirement age is something that is often thought of as set in stone. I share ways you might be able to get around it if looking to retire early.
  • Commercial impact of online sales tax

    Moneycation
    26 Aug 2014 | 8:17 am
    How the Marketplace Fairness Act affects business competition, cost and revenue in addition to legal complications associated with the business tax law.
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    Free Money Finance

  • A Film About the Retirement Crisis

    NA
    29 Aug 2014 | 2:29 am
    Most people like movies where the main characters get into a world of hurt but then, somehow, escape at the last minute and all is well.The movie I'm about to tell you about is not like that. At least not completely.The first part is what you'd expect (the world of hurt part), but unfortunately there's no happy ending.Yep, it's a film about the retirement crisis in America. Here's a video summary of the movie:The film covers several people planning to retire with absolutely no financial plan to do so. As you might imagine, that plan isn't going well.A few key quotes: "Twenty years from now…
  • The Wealthy Look at Money Differently

    NA
    27 Aug 2014 | 2:29 am
    The Business Insider says that the way millionaires view money is different from everyone else. Here are their thoughts and my comments on them: 1. The wealthy focus on earning. I have to agree on this one. That's why I post so much about managing your career, growing your investments, and investing in real estate. 2. The wealthy use leverage. I think this is true for the big business millionaires, but I think the millionaire next door types actually shy away from debt. I know I do. 3. The wealthy think about money in non-linear terms. I'm not sure what they mean here other than "come up with…
  • Five Myths and Misconceptions about Indexing

    NA
    25 Aug 2014 | 2:29 am
    Vanguard lists five myths and misconceptions about indexing as follows: Myth #1: Indexing only works in "efficient" markets Myth #2: Who wants to be "average"? Myth #3: You get what you pay for—Higher cost + Higher ratings = Higher returns Myth #4: Market-cap weighting overweights the overvalued Myth #5: Index funds underperform in bear markets The myths I want to highlight are #2 and #3.I've had many people say to me that they don't want to "settle" for average returns which are what they believe index investing provides. However, this is not the case. Indexing provides average gross…
  • It Takes $130k to Live the American Dream

    NA
    22 Aug 2014 | 2:29 am
    We've seen how many Americans find it difficult to make it on much more than this, so I was surprised when USA Today said it takes $130,000 to live the American dream. How did they arrive at this number? Here's the basic premise: "It's not about getting rich and making a lot of money. It's about security," he said. It's also as much about hope for the next generation as it is about the success of this one. "They want to feel that their children are going to have a better life than they do," said Hirschl.In their book, the authors write that besides economic security, the American dream…
  • Podcasts that Provide Great Value

    NA
    20 Aug 2014 | 2:29 am
    On my post titled Almost Infinite Investment Return, I had one reader ask me what podcasts I listened to (thinking that something we get for free could certainly have an infinite return). I responded there, but also thought it would be fun to post these for all to see and we could each share the podcasts we like. Here are my top podcasts: This is Your Life -- Great for both career and life. Ex-CEO Hyatt knows what he's talking about as he speaks on work, productivity, and developing a platform. I know him personally as well, so it makes listening to his podcast extra special. Smart Passive…
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    Money Crashers

  • 6 Tips to Stop Being Ashamed of Your Debt and Take Control

    Jacqueline Curtis
    28 Aug 2014 | 6:00 am
    What would you be more embarrassed to shout from the rooftops: your weight or your credit score? For the general public, the answers are pretty surprising. The National Foundation for Credit Counseling conducted a poll asking participants to finish this sentence: “I’d be most embarrassed to admit my…” And respondents made it clear that debt shame in the […] 6 Tips to Stop Being Ashamed of Your Debt and Take Control is a post from the Money Crashers personal finance blog.
  • What Is an Exchange-Traded Note (ETN) – How They Differ From ETFs

    Brian Martucci
    27 Aug 2014 | 10:45 am
    Like a bond, an exchange-traded note (ETN) is a debt instrument with a set maturity date upon which its issuer promises to repay your investment. However, unlike a bond, it does not accrue interest or guarantee to pay a fixed percentage of your initial outlay. Instead, it tracks an underlying index or asset class, without […] What Is an Exchange-Traded Note (ETN) – How They Differ From ETFs is a post from the Money Crashers personal finance blog.
  • 8 Habits to Avoid When Teaching Kids Financial Responsibility

    Jacqueline Curtis
    26 Aug 2014 | 11:45 am
    If you have children, you might feel responsible for teaching them everything they need to know. I have two young children, and am constantly helping them work on their math skills, pushing them to read more, and reminding them to practice whichever sport they’re playing that month. But as parents, it’s our actions that say far more than […] 8 Habits to Avoid When Teaching Kids Financial Responsibility is a post from the Money Crashers personal finance blog.
  • 7 Tips to Streamline Your Bank Accounts for Easier Money Management

    Jacqueline Curtis
    25 Aug 2014 | 7:00 am
    I remember watching my mom pay bills each month when I was a child. She’d sit at the kitchen table, surrounded by a mound of paper, envelopes, stamps, and her checkbook as she wrote out the amounts, balanced the budget, and kept all of those slips of papers and bills in a huge folder. Today, […] 7 Tips to Streamline Your Bank Accounts for Easier Money Management is a post from the Money Crashers personal finance blog.
  • 10 Best American Vacation Towns to Live In Year-Round

    Brian Martucci
    22 Aug 2014 | 9:30 am
    While many major population centers are blessed with beautiful surroundings, big cities also have many drawbacks, such as soul-crushing traffic and long commute times, pressure to conform to social expectations, and high living costs. For some, these tradeoffs are worth it. For others, the lure of a slower pace and quieter surroundings wins out. Every year, thousands […] 10 Best American Vacation Towns to Live In Year-Round is a post from the Money Crashers personal finance blog.
 
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    Mighty Bargain Hunter

  • Five ways to save $5 in five minutes

    John Wedding
    26 Aug 2014 | 12:32 am
    The pillar of responsible personal finance is to spend less than you earn.  If you’ve heard that once, you’ve heard it thousands of times. There are three ways to work towards spending less than you earn: Earn more. Spend less. Both 1. and 2. One area that discourages people with finding ways to spend less is that “spending less” often translates to “doing it yourself,” and that takes time.  Indeed it can. There are ways to spend less that don’t involve spending a ton of time.  I’ll describe five ways that you’ll be able to easily save…
  • Rebate site comparison engine update

    John Wedding
    18 Aug 2014 | 9:00 pm
    Rebate sites are a great way to save money easily when shopping online. Just click through these sites instead of going directly to the store, and they’ll keep track of your visit and rebate you a portion of your purchase. There are quite a few of these sites out there, and they compete against one another. These rebate sites get paid when you shop there, too. That’s how they earn the money that they share with you. I’ve been working on an improved version of my cash back comparison engine. It now has a browse feature for the stores.  You can do a rebate site comparison…
  • Large families and activity discounts

    John Wedding
    5 Aug 2014 | 8:58 pm
    I was chatting briefly with a colleague yesterday about married life.  (He was going to be best man in a friend’s wedding in a couple of weeks.)  In the course of the conversation, I admitted that saving money was a heck of a lot easier before I was married, but that I wouldn’t go back to being single by choice for anything.  Everything has pros and cons. He saw the picture of my daughter that I have in my cube, and pointed to that as one of the pros.  I certainly agreed. Our daughter is our one and only.  Being an only child has pros and cons, too, of course.  One of the…
  • Rebate site review: Mr. Rebates

    John Wedding
    30 Jul 2014 | 8:40 pm
    I use rebate sites for as many of my online purchases as I can.  After getting a free account, it’s only a small amount of extra work to save a few dollars — or even more than a few! — on thousands of online stores. Mr. Rebates is one of a number of rebate sites available.  Using Mr. Rebates is simple: Sign up for a Mr. Rebates account, which is completely free. Log into Mr. Rebates before you shop online. If Mr. Rebates offers cash back on purchases from your favorite stores, go through the links on Mr. Rebates to get to the store instead of typing it into your browser.
  • Want a used washer? Budget some time

    John Wedding
    29 Jul 2014 | 8:32 pm
    A washer and dryer are mainstays in many households.  They are in our household, for sure. We bought a used washer and dryer set four and a half years ago.  Over the past couple of weeks, the washer was whining loudly.  First we heard it within the drain cycle, then in the spin cycle.  When it started squealing during the wash cycle, I sensed that its time was almost over, because that sounded like a transmission problem. Our family had done some repairs on it already to fix a bent support frame, but a new transmission runs upwards of $100.00.  Considering we paid $200 for the whole…
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    Girls Just Wanna Have Funds

  • 3 Mortgage Programs You Haven’t Considered – Yet

    Ginger
    29 Aug 2014 | 4:50 am
    If you’re buying your first home, the mortgage application process can be a bit overwhelming. From shopping for mortgage rates to choosing a notary, you may not know where to begin. Thankfully there are several mortgage programs out there for homeowners in any financial situation. Find the mortgage program for you: Lock in the interest rate for the long term. A 10 year mortgage gives homeowners an alternative to the traditional 30 year mortgage. This option has typically has lower interest rates and fixed monthly mortgage payments over the short term. If you have a traditional 30 year…
  • 6 Crucial Mistakes You’re Making When Applying For A Mortgage

    Ginger
    28 Aug 2014 | 5:33 am
    Buying a home is a big decision; that’s why it’s a smart move to have as much information with you as possible when you go to the bank and apply for a mortgage. Having your entire financial life flashed right before your eyes can be an overwhelming experience, especially if you’re not prepared for it. Buying a home is a big financial commitment, so before you sign on the dotted line use these tips to make sure you know what you’re getting into. Make sure to get a pre-approval from your bank. Before you start looking for a new home, it’s a good idea to go to your…
  • How I’m Finally Slaying My Financial Demons

    Ginger
    27 Aug 2014 | 4:50 am
    Really, this post should be titled how I got my financial life together after ignoring it for 2 years.  But we’ll go with slaying financial demons since I discuss the critters in depth below. After my divorce I gave up financially.  While my bills were paid, my focus wasn’t on paying down credit card debt, student loan debt or planning ahead.  My plan?  I had none.  I just wanted to tow the line and keep moving forward as if I didn’t have demons lurking in my financial closet. I slipped into a financial depression and didn’t care to figure out how to dig myself…
  • How To Stop Hiding From Your Debt Conquer It Once And For All

    Ginger
    26 Aug 2014 | 4:50 am
    Whether loans or credit card debt, the old saying ‘Out of sight, out of mind,’ won’t do you much good. In fact, it can lead to disaster. You have to face your debt squarely or it’s going to demolish your financial future. This is especially true when it comes to credit card debt. You can try to dance around your debt load by paying the bare minimum. When you do this, the only winner is the credit card company. Every time you pay only the minimum, your debt gets larger and larger thanks to compound interest. Avoiding your debt by giving it the bare minimum isn’t…
  • 11 Burning Questions You Must Answer If You Want Financial Freedom

    Ginger
    25 Aug 2014 | 4:50 am
    The summer is quickly coming to an end. As you enjoy the leisure and mellowness of the long summer days, don’t forget to use this hassle-free time to your advantage.  With summer being the slow work season, make sure you use the freedom to do some real planning and reflecting on the state of your finances.  To best prepare for this planning session, you will need 2-3 hours of quiet time, a journal, and a comfortable, private spot at your local coffee shop, in your office, or in your home. On top of that, keep your phone and/or computer near you so you can retrieve specific data from your…
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    The Finance Buff

  • Merrill Edge + Bank of America = Free Trades + Free Checking + No ATM Fee

    Harry Sit
    25 Aug 2014 | 4:47 am
    I moved some ETFs from E*Trade to Merrill Edge. I also opened a new Bank of America checking account. The combo deal gives me free trades on any ETF and a free-everything checking account with branch access and  no ATM fee. Merrill Edge Merrill Edge is the self-directed online investing service from Merrill Lynch, which is owned by Bank of America. Among major discount brokers, Merrill Edge is relatively new and not as well known. Fidelity, Schwab, TD Ameritrade, and E*Trade have been around longer. Since its parent Merrill Lynch has a much larger brokerage business and a longer history,…
  • 2015 401k 403b IRA Contribution Limits

    Harry Sit
    19 Aug 2014 | 6:10 am
    The government released the Consumer Price Index for July 2014. Inflation is higher this year but still low by historical standard. Although we don’t have all the necessary numbers yet, because the way rounding works, I’m able to comfortably project the 2015 contribution limits for 401k/403b/457 plans and IRAs. 401k/403b/457 Elective Deferral Limit 401k/403b/457 contribution limit will increase by $500 to $18,000 in 2015. If you are age 50 or over, the catch-up contribution limit will also increase by $500 to $6,000. If you are self-employed, the total employer plus employee…
  • IRS Guidance On Circular Reference in Obamacare Premium Subsidy and Deduction

    Harry Sit
    11 Aug 2014 | 4:52 am
    Some of you may remember this post I wrote last year: Circular Reference In Self-Employed Health Insurance Deduction Under Obamacare Premium Subsidy. It pointed out a circular reference math problem between the premium subsidy under Obamacare and the health care premium deduction for the self-employed. If you are self-employed, the health care premium is deductible, which lowers your MAGI, which potentially qualifies you for a premium subsidy, which lowers the amount you can deduct because you can’t double dip, which raises your MAGI and reduces your premium subsidy, which increases the…
  • Stop Using Vanguard Money Market Fund

    Harry Sit
    4 Aug 2014 | 4:55 am
    The SEC released news rules on money market funds last week. Money market funds for retail investors will still keep the $1 fixed NAV. They can impose fees and restrictions when they face liquidity problems. I don’t think Vanguard’s money market funds will face those problems. I still say stop using Vanguard money market funds, at least in accounts with only Vanguard mutual funds. I haven’t used one myself for a long time. I say this not because of the new SEC rules, but because it’s really unnecessary to use a Vanguard money market fund for buying and selling Vanguard…
  • Social Security Claiming Strategy Calculators Compared

    Harry Sit
    28 Jul 2014 | 4:50 am
    Financial Engines was founded by Nobel laureate William Sharpe. It offers investment advice primarily through workplace retirement plans. Recently Financial Engines launched a free Social Security planner. I test-drove it with some hypothetical cases. I also ran the same cases through the free calculators by AARP, T. Rowe Price, and SSAnalyze via Bedrock Capital. Because Social Security benefits for singles are relatively straight forward. I chose only married couples for my test cases. Case 1 In case 1, both husband and wife have similar age and earnings history. Assumptions: Husband was…
 
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    Maximizing Money

  • Amazon $10 Promo Code with $50 Gift Card Purchase – Targeted Offer

    Max Messner
    28 Aug 2014 | 3:16 pm
    Amazon.com will give you a free $10 promotional code with a $50 Gift Card purchase, valid for targeted customers only. Just click on this Amazon Gift Card Promo Link to see if you qualify for this offer. The post Amazon $10 Promo Code with $50 Gift Card Purchase – Targeted Offer appeared first on Maximizing Money.
  • New Citi Double Cash Card Offers 2% Rebate On All Purchases

    Max Messner
    28 Aug 2014 | 3:10 pm
    Citibank has introduced the new Citi Double Cash Card that offers you 2% cash back on all of your purchases with no annual fee, as you'll earn 1% when you buy and another 1% when you pay. The post New Citi Double Cash Card Offers 2% Rebate On All Purchases appeared first on Maximizing Money.
  • Salem Five Bank Checking Account $100 Visa Reward Card Bonus in Massachusetts

    Max Messner
    28 Aug 2014 | 12:23 pm
    Salem Five Bank is offering a $100 Visa Reward Card bonus when you complete qualifying actions with your new Salem Five checking account. Check out this Salem Five Checking Promotion to earn a $100 bonus reward card. The post Salem Five Bank Checking Account $100 Visa Reward Card Bonus in Massachusetts appeared first on Maximizing Money.
  • First Tennessee Bank Express Checking Account $100 Bonus Promotion

    Max Messner
    28 Aug 2014 | 12:22 pm
    First Tennessee Bank is offering a $100 bonus with a new Express Checking account when you set up a direct deposit, valid through November 30, 2014. First Tennessee Bank is available to residents of Alabama, Arkansas, Georgia, Mississippi, North Carolina, Tennessee, and Virginia. Review this First Tennessee Bank Express Checking Promotion to apply online or at your local branch. The post First Tennessee Bank Express Checking Account $100 Bonus Promotion appeared first on Maximizing Money.
  • AnchorBank $50 New Checking Bonus, Referrals and $150 Debit Card Rebates in Wisconsin, Illinois, Iowa, and Minnesota

    Max Messner
    28 Aug 2014 | 12:20 pm
    AnchorBank has introduced new promotions for Wisconsin, Illinois, Iowa, and Minnesota residents, including a $50 new checking account bonus, a referral program, and up to $150 in debit card cash back rewards. Just visit this $50 AnchorBank New Checking Account Referral Link that was provided by a reader to open your account and receive a $50 gift card of your choice. Check out these AnchorBank Promotions if you live in Wisconsin, Illinois, Iowa, or Minnesota. The post AnchorBank $50 New Checking Bonus, Referrals and $150 Debit Card Rebates in Wisconsin, Illinois, Iowa, and Minnesota appeared…
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    Abacus Wealth Partners

  • The Volatile-Income Saver

    Barrett Porter
    28 Aug 2014 | 10:27 am
    Ever heard the story of the guy who burned through a fortune worth $150 million and still had debts to pay? If only Cher could have delivered a second smack on the cheek of Nicolas Cage and another “Snap out of it!” Then maybe things would be different. One thing that’s certain with those who work in “the biz” is the lack of certainty around earning and saving. Volatile-income professionals (VIPs) of all types often share feelings of scarcity even in the midst of their big-income years. Here are a few ideas for those of you who are VIPs. When a Little Hoarding Is…
  • Guiding Financially Reckless Friends

    Spencer Sherman
    21 Aug 2014 | 3:53 pm
    In 2009, my close friend Ben, who is in his 60s, told me that he had just inherited $1 million. I told him about the Rainbow Portfolio™, which offers innovative sustainability screening and diversifies risk by allocating to seven distinct categories of stocks. “Your $1 million, if all goes well, will likely grow to over $2 million in 10 years. And you’ll be providing capital to the best business ideas all around the world.” But Ben’s friend Walter persuaded him to invest that same $1 million into a tech startup, telling him, “An investment into this tech…
  • The Dangers of Not Updating Beneficiary Designations

    Neela Bushnell
    14 Aug 2014 | 12:19 pm
    “When my husband died, not only did I lose my life partner, but all of his retirement assets went to his ex-wife. Now I’m fighting her in court. It is a disaster.” Stories like this seem improbable but are sadly all too common. Selecting a beneficiary for your investment accounts can seem morbid (and admittedly, unexciting), but the importance of doing so cannot be overstated. Though you work hard saving diligently into your accounts, many people overlook keeping that one little designation form up to date. And that oversight could have vast ramifications for the people you…
  • Coffee with the CIO

    Darius Gagne
    13 Aug 2014 | 2:05 am
    An opportunity to sit down with a small group of fellow investors and find out how you can better position your portfolio in today’s market. Learn about Whether today’s market is overheated The biggest mistakes investors make How to judge if your portfolio is right for you An exclusive conversation with Darius Gagne, Ph.D., CFA, CFP Partner and Chief Investment Officer Abacus Wealth Partners Teaches “The Science & Art of Investing” at UCLA Register today! Space is limited. Register below or by calling 424-229-6727. Online Ticketing for Coffee with the CIO powered…
  • Money Mind Training: Waking Up Your Financial Life

    Spencer Sherman
    12 Aug 2014 | 2:59 am
    Is money causing you stress? Are you stuck in earning, spending, debt or investing patterns? Do you want more confidence and abundance around money regardless of your circumstances? Enlarge your wallet and decrease your stress, not by learning about a new mutual fund strategy, but through Money Mind Training™ (MMT). Learn how to use money-oriented meditations, the Money Breath™, writing, and other MMT exercises to cultivate clarity, generosity, equanimity and abundance. To register or learn more, contact Santa Rosa Junior College at 707-527-4372 or visit…
 
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
 
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
 
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
 
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  • CDC: 'It's even worse than I'd feared'

    28 Aug 2014 | 7:35 pm
    CDC: 'It's even worse than I'd feared'GettyAs the outbreak continues to accelerate, officials say the number of Ebola victims could increase sixfold.Staggering new predictionMore newsWHO: Current Ebola tollJohn Lennon's killer says sorry
  • Ukraine invaded, president says

    28 Aug 2014 | 7:35 pm
    Ukraine invaded, president saysAPWestern powers expressed outrage as newly released photos appeared to support Petro Poroshenko's claim that Russia forces have entered Ukraine.Obama's remarks on potential US military involvementMore newsSecond American killed with ISIS?Gun range owner speaks out
  • Amy Poehler sounds off on male privilege

    28 Aug 2014 | 7:35 pm
    Amy Poehler sounds off on male privilegeAPWhen the comedian was asked what women really want to see in men, she surprised everyone with her deft response.Honest, unscripted answerMore from MAKERSAniston on pressures to be a momWhen is it okay to catcall?
  • Hillary Clinton breaks silence on Ferguson

    28 Aug 2014 | 7:35 pm
    Hillary Clinton breaks silence on FergusonGettyUntil Thursday's remarks, the potential 2016 presidential candidate had yet to acknowledge the protests surrounding Michael Brown's death.Why she's speaking up nowDid you see these stories?Bobby Jindal's presidential ambitionsWhat millennials are doing online
  • Obama still weighing strikes on ISIS in Syria

    28 Aug 2014 | 7:35 pm
    Obama still weighing strikes on ISIS in Syria The president blasted the Islamic militants for 'the slaughter of innocent people' but said a specific strategy has not yet been formed. Options the Pentagon is exploringRelated newsWesterners joining ISIS terrorGroup captured Syrian soldiers
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    Bible Money Matters

  • You Need A Budget 4 (YNAB) Is Now Free For College Students

    Peter Anderson
    27 Aug 2014 | 4:14 am
    You Need A Budget recently announced that they are making YNAB free for college students. Here's a step by step of how you can get the software for free. The post You Need A Budget 4 (YNAB) Is Now Free For College Students appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot)

    Peter Anderson
    26 Aug 2014 | 4:38 am
    You can save a lot of money when attending a state fair or other big event, but in the end, does finding discounts help you rationalize spending more than you might have otherwise? The post Saving At The Minnesota State Fair (Saving Money Doesn’t Mean You Didn’t Spend A Lot) appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 3 Things You Should Know About Consumer Credit Sites

    Miranda Marquit
    25 Aug 2014 | 8:58 am
    Consumer credit sites can be helpful, but you do need to be aware of their limitations. Here are 3 things you should know about consumer credit sites. The post 3 Things You Should Know About Consumer Credit Sites appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 4 Easy Steps To Start Getting Your Finances In Order

    Peter Anderson
    21 Aug 2014 | 9:54 am
    When all the signs are telling you that you should be doing your best to get things under control, and get a fresh start, where should you begin? The post 4 Easy Steps To Start Getting Your Finances In Order appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • If You Want To Save Money, Consider The Costs Of Moving

    Melissa
    18 Aug 2014 | 10:28 am
    We didn't anticipate just how expensive moving, especially moving long distances, can be. Here's what to consider before you pick up and move. The post If You Want To Save Money, Consider The Costs Of Moving appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • If God promised to give you anything, what would you ask for?

    Bob
    27 Aug 2014 | 9:04 am
    This is a good question to ask ourselves, because it reveals a lot about our hearts. Solomon basically had a ‘genie in a bottle’ moment with God, and he chose wisely. In 1 Kings 3:5 God asked Solomon this question:  “In Gibeon the LORD appeared to Solomon in a dream at night; and God said, ‘Ask what you wish me to give you.’” This is what Solomon asked for: “…give Your servant an understanding heart to judge Your people to discern between good and evil.” 1 Kings 3:9 Because he asked for wisdom on how to help people God responded with…
  • 20 Ways to Organize Your Car

    Dawn
    26 Aug 2014 | 9:47 am
    All moms know that their car is like a bottomless pit… well at least that’s what the kids think!  It’s surprising what a Mom will find that their child(ren) left in the car, or maybe even hiding in the car. When you’re a Mom, or even a Dad, you realize the importance of keeping your car organized. Your car is a home away from home for your family. And parents always expect the unexpected, right? We will have snacks, toys, a change of clothes and more…on hand… just in case. Organizing your car, like anything, will not only save time but also promote less…
  • 8 Practical Ways to Love God More Than Money

    Joe
    25 Aug 2014 | 8:00 am
    I write this article as much to myself as to you: I fully realize how money will persistently and insidiously seek to capture a bigger and bigger portion of my heart and my life. I also know that drifting through life doesn’t work because I seldom drift closer to God. Perhaps this is why Jesus declared these two loves to be polar opposites: No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money. – Matthew 6:24 NIV I am convinced that we need to be very intentional about…
  • The Best Way to Buy a Musical Instrument

    Tim
    22 Aug 2014 | 9:00 am
    I remember signing up to play the saxophone in band almost over a decade ago. I could hardly wait to start! I loved the idea of playing the saxophone so much that I wrote it down for choice #1 and #2 – the director got a kick out of that and said that I’d get one of the coveted sax chairs. There was only one problem. I didn’t own a sax, and we couldn’t afford the $1,400 price tag of the saxophones from the local dealer. My dreams were about to shatter, until I came home to find that my dad had picked up a used saxophone from a pawnshop for $400. I couldn’t believe how great of a…
  • Why Money Doesn’t Solve Money Problems

    Bob
    20 Aug 2014 | 8:39 am
    The raise you are hoping to get is not going to fix your financial squeeze. I mean even if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle called Parkinson’s Law that essentially says that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer. I know it may sound like this is bad news, but really this is great news. This is because money problems (difficulty paying bills, paying off debt, getting into debt, difficulty saving) are…
 
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    PT Money

  • Citi Double Cash Card Review – 2% Cash Back has ARRIVED!

    Michael Pruser
    28 Aug 2014 | 9:00 pm
    Many years ago, the idea of a 2% cash back credit card was fairly common.  With bank interest rates above 4% and the economy on the rise, credit card companies were doing whatever they could to bring in new business.  Then, in the blink of an eye, big bonus offers and high cash back percentages were gone.  Cards like the Chase Freedom and the Discover it have been the best of the best in terms of cash back credit cards, and they offer a meager 1% on all purchases.  That was until today of course, when Citi announced a brand spankin new cash back credit card called the Citi Double Cash…
  • Got Medical Debt? Here’s Good News About Its Effects On Your Credit Score

    Jason Price
    28 Aug 2014 | 2:09 pm
    According to the Wall Street Journal, 64 Million Americans have medical debt on their collection report.  That’s an astonishing number and certainly raises awareness and some concern for this financial issue.  People are fighting to get out of medical debt, or buried so deep they don’t know what to do. Is that you? Financial gurus advise people to save for emergency situations, such as with the unplanned medical expense. That’s certainly sound advice and the right place to start, but sometimes the basics of an emergency savings account aren’t enough to support a major illness or…
  • The Best Canadian Part-Time Jobs with Benefits (Updated 2014)

    Emily Guy Birken
    21 Aug 2014 | 5:00 am
    Canada offers its citizens a single payer health care system, which means that all Canadians are covered for basic health services. Knowing this, an American might be forgiven for thinking that employer-sponsored health insurance benefits would be redundant. But the operative word for Canada’s public health insurance is “basic.” The state-run system guarantees primary care services and physician and hospital visits, but other important services—including dental care, prescriptions, and vision care—simply are not covered. Canadians generally bridge those coverage gaps by purchasing…
  • Think You’ve Answered the Renting vs Buying Question? Read this Renting Convert’s Perspective

    Jason Price
    15 Aug 2014 | 5:30 am
    Last year my wife and I decided to make the biggest change in our 12 years of marriage.  We decided to pursue our dream of living by the coast.  We sold our house in Dallas, TX, packed our belongings, and moved to sunny SoCal! Well, it wasn’t exactly that simple. It took almost a year of praying, planning, and a lot of work. But we did it, and almost a year later we’re still pleased with our decision and enjoying our new lives in the sand and sun. As you can imagine, there were a lot of considerations for our move, with housing and finances being amongst the most important. We knew…
  • Rebalance IRA: A Balanced Approach to Managing Your Retirement Portfolio

    Jason Price
    8 Aug 2014 | 5:30 am
    I’m certainly not an investment guru, but I’m always interested in learning about investment services such as Rebalance IRA. Why? Let’s face it, picking and managing investments for an IRA, (or any retirement account) isn’t easy for the average Joe and it’s serious business. After all, these decisions impact you in your retirement years! Wouldn’t you agree that it’s not typically a good idea to become a do-it-yourself investment manager unless you’re willing to take the time determine your all your long-term goals, evaluate your risk tolerance and certainly, make sure you’re…
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    RetirementRevised

  • Why ‘unretirement’ might be your best retirement strategy

    Mark Miller
    28 Aug 2014 | 5:24 am
    Chris Farrell Chris Farrell has a hot retirement investing tip for you, but it’s not a stock or bond. Farrell wants you to invest in yourself. In his new book, Unretirement (Bloomsbury Press), he argues that developing skills that can help you earn income well past traditional retirement age offers a better return on investment than any financial instrument – and it can help transform the economy. Farrell is senior economics contributor at public radio’s Marketplace, a contributing editor at Bloomberg Businessweek and a columnist for the Minneapolis Star Tribune. In an…
  • How to interpret your Social Security benefit statement

    Mark Miller
    23 Aug 2014 | 11:43 am
    The Social Security Administration will be mailing annual benefit statements for the first time in three years to some American workers. That’s good news, because the statements provide a useful projection of what you can expect to receive in benefits at various retirement ages, if you become widowed or suffer a disability that prevents you from working. But if you do receive a statement next month, it is important to know how to interpret the benefit projections. They are likely somewhat smaller than the dollar amount you will receive when you actually claim benefits, because they are…
  • How Washington is leading the way on phased retirement

    Mark Miller
    14 Aug 2014 | 11:15 am
    Gwendolyn Ross will turn 66 in November, but she isn’t ready to retire. A deputy comptroller for the U.S. Coast Guard in Miami Beach, Florida, she hopes to work until she’s 70 – but she would like to cut back her hours. “I have some health issues that require a lot of visits to the doctor, and I’d love to have more time to visit my family in Michigan,” she says. At the same time, she needs to keep working to prepare for retirement. “As I get closer to it, I realize I’m not as financially ready as I thought I would be when I was younger. The time…
  • Take the pension buyout, or wait for a better deal down the road?

    Mark Miller
    12 Aug 2014 | 4:23 pm
    If you work for a company with a pension plan, don’t be surprised if you get an offer soon for a lump sum buyout – a deal where you accept a pile of cash in exchange for the promise of lifetime income when you retire. The price tag for these offers is especially attractive right now, from the plan sponsor’s perspective. But workers might do better by holding out for a better deal, or by rejecting the buyout altogether. A growing number of plan sponsors are trying to get out of the pension business, or lighten their obligations, by buying out workers. The number of buyout offers has…
  • Medicare costs: How long can the good news go on?

    Mark Miller
    7 Aug 2014 | 2:05 pm
    Medicare turned 49 years old last week, and the program celebrated with some good financial news for seniors: Premiums will not rise in 2015 for the third consecutive year. The question now: How long can the good news persist? Worries about Medicare’s long-range financial health continue, but for now low healthcare cost inflation will translate into a monthly premium of $104.90 next year for Part B (outpatient services), according to the Medicare trustees. Meanwhile, the Centers for Medicare & Medicaid Services (CMS) says the average premium for a basic Part D prescription drug plan…
 
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    Intelligent Speculator

  • Small Break:)

    IS
    22 Aug 2014 | 3:00 am
    Good morning, I just wanted to send out a quick message to say that even though no new blog posts appeared this week (or will in the coming week), everything is going well, great in fact:) I’m just getting a bit of rest before the end of summer, and did not have any new long & short trades to open anyway (all 7 trades are within my open/close limits).  Hopefully we get more trading volatility this fall (especially if Europe continues to struggle), which should create more trading opportunities. I hope you’re all doing well, some fascinating stuff is going on and I…
  • New Trade: Long Twitter ($TWTR) & Short Demand Media ($DMD)

    IS
    11 Aug 2014 | 2:00 am
    Ahhh, today I decided to finally go ahead after hesitating. I’ve been talking about my temptation to trade Twitter and after being a doubter following its IPO, I did finally declare that I was looking for an entry point. Unfortunately, I did not move quickly enough as Twitter announced very solid earnings which caused its stock to jump in a big way. I’m unsure of how I’ll trade it as a longer term speculative pick but for now I’m ready to trade it as a long & short trade. This morning, as you might have seen, I closed out a successful trade on Facebook and Adobe so…
  • Closing Trade ($FB, $ADBE)

    IS
    11 Aug 2014 | 1:30 am
    This morning, I will be closing out a new trade at the open, closing out a successful trade from June 9th, where I went long Facebook (FB) and short Adobe ($ADBE). As regular readers know, I’m very much a believer in Facebook and also hold a longer term position. FB data by YCharts Disclosure: Even after closing out this trade, I will remain long Facebook The post Closing Trade ($FB, $ADBE) appeared first on Intelligent Speculator.
  • Ecosystems Rule The World ($AAPL, $GOOG, $MSFT, $AMZN, $FB)

    IS
    7 Aug 2014 | 2:00 am
    I’m sure that some of you think I should move on from this topic. I can’t:) I’m sorry but even though this gets talked about a decent amount, I still feel like most of us underestimate the impact of the ecosystems in this new “digital” era. The bigger ecosystems are able to create a world where they can leverage the network in multiple ways. I’ve discussed the fact that I consider there are currently 5 core ecosystem plays: -Apple (AAPL) -Google (GOOG) -Microsoft (MSFT) -Amazon (AMZN) -Facebook (FB) Each have their own strenghts and weaknesses but they are…
  • Top 100 Dividend Stocks – August 2014 Edition – WIN A Winner?

    IS
    5 Aug 2014 | 2:00 am
    It’s that time of the month again. Things are always slower in the summer in terms of news, dividend increases, etc. 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 portfolio and provide a good potential/downside risk ratio.
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    Don't Quit Your Day Job...

  • What is the Savings Rate in Other Countries?

    PK
    27 Aug 2014 | 4:00 am
    Savings articles tend to be among the most popular articles here on DQYDJ (as in our most popular savings article – our Savings Rate Calculator for determining when you can retire), but we often concentrate on our own savings rate… or at most the savings rate of America.  When we saw a link to an OECD tabulation of savings rates across a fine selection of countries, we knew we’d found an interesting data set that you folks would love to see. So, how about it – if your savings rate was the sole determinant of what country you lived in, where would you be teleported?
  • Where Do Residents of the States Come From? A Demographic Study of 2012 Census Data

    PK
    25 Aug 2014 | 4:00 am
    This article contains a calculator which allows you to input an age range and select a state and delivers demographic results broken down by country and state of origin. It uses Census Bureau data compiled by the University of Minnesota’s IPUMS-USA project (2012 American Community Survey) and reports where the members of your selected age range in a state were originally born. If you consume Don’t Quit Your Day Job… through email or in a reader, please click through for interactive content. Interactive Birth Location and Origin Calculator for the United States   How…
  • The DQYDJ Weekender, 8/22/2014

    PK
    23 Aug 2014 | 6:00 am
    Sorry about skipping a week, I’ve been pretty engrossed in my video card project hosted offsite on Hackaday’s project log website.  For those who care, right before the deadline I dropped the mic by presenting the first working prototype. It’s not built from scratch in the sense of “first, acquire a shovel, then build a fab”… but I assembled it from discrete components and wrote the firmware.  If that’s something you’re interested in, go check it out… maybe there is something you can use (all of it is open source, licensed MIT).  Still…
  • Time and Well-Being

    CameronDaniels
    20 Aug 2014 | 6:00 am
    Everybody has heard the old adage “Time is money,” but very few have considered what it means in their own lives. Every hour you spend on something could potentially be costing you lost wages, leisure, lost weight (through exercise), skills, hobbies, etc. When taken literally, time is entirely interchangeable with money. Money can buy you time (Don’t think so? Save money on your electric bill by selling your dishwasher and washing machine!) and my article today is about a cool feature on Amazon called Subscribe & Save. Here is the necessary disclaimer portion of the article where I…
  • Is the Stock Market Making You Anxious?

    PK
    18 Aug 2014 | 4:00 am
    We read with great interest – and perhaps a little incredulity – the recent Wall Street Journal piece reminding investors that a little stock market anxiety can be a good thing. Now, don’t get us wrong – that conclusion is exactly right.  If you’re of the mind that the stock market can be ‘beaten’, as two-thirds of the writers on this site are, then you certainly agree that the times that allow the stock market to be beat are during times of high anxiety.  Our issue is more with the timing of the article. Is it true that stock market investors are…
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    Quizzle Wire

  • How to Keep Kids Occupied When Taking a Long Distance Road Trip

    Melissa Batai
    29 Aug 2014 | 6:00 am
    If you’ve traveled with young kids for any distance over an hour, you likely know how quickly the “Are we there yet” chant can begin. My husband and I recently made a 1,750 mile drive with our three kids, and we made sure we were armed with their favorite activities to keep them busy for most of the trip. For Kids Up to Age 6 For the preschool and early elementary set, water color books work great.  These books are made of thick cardboard and have a “paintbrush” that is filled with water.  When the kids color with the water, colors magically appear on…
  • Tips for shopping for the best mortgage rate

    Miranda Marquit
    28 Aug 2014 | 6:00 am
    One of the biggest financial commitments you are likely to make in your life is the purchase of a home. Of course, the financial commitment is so large that you need to borrow money and pay it back over the course of 30 years. When shopping around for a mortgage, the type you get, as well as the rate you end up with, matters in terms of how much you will repay over time. A longer mortgage with a higher interest rate means that you could pay an extra hundred thousand dollars over the life of your home loan when all is said and done. Here are some tips for shopping for the best mortgage rate:…
  • Live the multi-millionaire life for $2,500 a month

    Miranda Marquit
    27 Aug 2014 | 12:00 pm
    When you think of what it must be like to be a multimillionaire, chances are that your first thought is to the home. A huge, expensive home. But what if you could live in a home worth millions and only pay $2,500 per month? That’s the idea behind Showhomes, a company that specializes in staging homes for sale. According to CNN Money, Showhomes operates on the principle that homes are more attractive to buyers when they are lived in. So, the company “hires” people to live in expensive homes to give them that “lived in” feel. Many times, the homeowners have multiple houses, and they…
  • The Pros and Cons of Bankruptcy

    Cathy
    27 Aug 2014 | 6:00 am
    The feeling that your finances are out of control, and that you’ll never be able to afford anything again, is a terrible one. But if you’re overwhelmed by debt and you can’t see how you could possibly get out from under it, bankruptcy is an option you may want to consider. Bankruptcy is a legal process through which existing debts, under the protection and supervision of a court, are eliminated or reduced, and/or the repayment period is extended. Individual bankruptcy is usually done under Chapter 7 of the federal Bankruptcy Code (hence, it is often referred to as…
  • Reasons a non-borrower needs good credit

    Miranda Marquit
    26 Aug 2014 | 6:00 am
    If you don’t intended to borrow money, you don’t need good credit, right? What does it matter if a credit agency views you as “unscoreable” if you aren’t going to apply for credit anyway? While this sentiment makes sense in a lot of ways, the reality is much different. Even though a credit report is meant to provide information on your credit habits, the truth is that it’s more than lenders that look at your credit history and make judgments about you. In recent years, your credit history has become more than just an indication of whether or not you are likely to repay a loan.
 
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    Get Out of Debt Guy

  • United Debt Services Sends Official Notice Mailer That Makes Odd Sounding Statement

    Steve Rhode
    12 Aug 2014 | 3:22 pm
    An amazing reader Karen sent in a new debt relief mailer through my I Buy Junk Mail program. Karen lives in Alabama where she received this mailer for debt help from United Debt Services. The outside of the mailer says Official Notice and does not give the name of the company on the outside. It ... The post United Debt Services Sends Official Notice Mailer That Makes Odd Sounding Statement...
  • Rescue My Student Loans / Student Loan Rescue USA – Consumer Complaint – August 12, 2014

    Steve Rhode
    12 Aug 2014 | 12:22 pm
    Consumer Statement: First off, They are asking 500.00. 125.00 in 4 payments starting in Sept. I don’t have there phone number just the company they are calling from. 305-330-9947. The company is Student Loan Rescue, USA. then they said all money owed will be cancelled after they sent in paperwork. Consumer Action Taken: I want ... The post Rescue My Student Loans / Student Loan Rescue USA...
  • CFPB Bitch Slaps Bait-and-Switch Mortgage Scheme

    Steve Rhode
    12 Aug 2014 | 11:46 am
    Today, the Consumer Financial Protection Bureau (CFPB) took action against Amerisave Mortgage Corporation, its affiliate, Novo Appraisal Management Company, and the owner of both companies, Patrick Markert, for engaging in a deceptive bait-and-switch mortgage-lending scheme that harmed tens of thousands of consumers. The Bureau found that Amerisave lured consumers by advertising misleading...
  • I’m Being Chased in Australia for Debt From Dubai. – Greg

    Jon Emge
    11 Aug 2014 | 2:54 pm
    “Hi Jon, I had a bit hit financially in Dubai and failed to service a C Card debt that rose to 120K AED. Though Im working out of AU, the banks were badly harassing my family. I notified them to say as I know for a fact this is not legal I will report them ... The post I’m Being Chased in Australia for Debt From Dubai. – Greg appeared first on Get Out of Debt Guy.
  • EZPass Email – Scam Alert

    Steve Rhode
    11 Aug 2014 | 1:45 pm
    The following information appears as a scam warning for consumers to avoid. A reader sent in the following email and wanted people to watch out for it. The email pretends to be from E-ZPass but is actually sent from an email address in Russia, automania-group.ru. If you get an email like this, delete it, do ... The post EZPass Email – Scam Alert appeared first on Get Out of Debt Guy.
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    Credit Card Chaser

  • Can Student Loans Be Forgiven?

    Alice
    28 Aug 2014 | 3:50 pm
    With the aggregate national student loan debt now at more than $1 trillion, many people are increasingly finding themselves in difficult financial situations. The question of reducing or forgiving student loans is therefore becoming increasingly common. The average student loan debt for the class of 2014 is approximately $33,000 – the highest amount ever for any graduating class. For those that cannot fully pay back the debt, the balance grows and becomes higher and higher over time. For people in financial distress as a result of student loans, the possibility to reduce or even…
  • Saving on Back to School Shopping

    Alice
    15 Aug 2014 | 9:48 am
    There never seems to be enough money for parents of small children or college students looking to buy clothes and supplies for the upcoming school year. However, there are ways that those who need to get their kids or themselves ready for the upcoming school year to buy all needed items without breaking the budget. What are some ways to create a back to school budget and stick to that budget? Part I- Create a Plan Get a List of Supplies The first step is to create a list of everything that is needed to prepare yourself or your children for the upcoming school year. Kids who are in elementary…
  • Secrets to Successful Budgeting

    Alice
    7 Aug 2014 | 2:31 pm
    Good financial practices and money management skills are necessary for virtually everyone, regardless of how much they earn or the amount of disposable income that they have access to. Proper planning for the future is also an essential part of successful money management. For instance, discovering where each dollar goes and budget development are two wise activities for anyone who wishes to avoid financial crisis. However, sometimes a person may need help with designing an appropriate budget. Here are some essential tips on successful budgeting and other money management skills: Developing a…
  • Charge Card vs Credit Card: Which is Better?

    Alice
    1 Aug 2014 | 1:48 pm
    The allure of a black charge card is undeniable. Anyone who is handed the card will usually immediately recognize a black card by its unusually heavy weight as it is made of pure titanium. Yet, aside from the vague notions of elite wealth that a black charge card implies, very few actually understand how black cards, or charge cards for that matter, even function. Charge cards operate very differently from a credit card as with a charge card the holder is required to pay the entire balance of the card every month or face an initial late fee comparable to a checking account’s overdraft…
  • Does Your Age Influence Your Credit Score?

    Alice
    25 Jul 2014 | 9:22 am
    Your credit score has a lot of influence over your finances. And you know that there are ways to build up your credit score: make payments on time, have a mixture of different credit types, keep debt down, apply for credit only when needed, and more. But are there certain things that you can’t control? It is often hard for younger applicants to get approved for credit. Why is this? Does age influence your credit score? Looking at Age Is Perfectly Legal Lenders are entitled to look at age. However, no company should use age to discriminate against an applicant. State and federal laws on…
 
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    Ready To Be RichReady To Be Rich

  • Listen: An Inspirational Short Film

    Fitz
    28 Aug 2014 | 10:46 am
    What would you do if you had P1,500? For Josh Ortiz, a young US-based Filipino filmmaker, the decision was easy – make an inspirational short film. With only $30 as budget, he was able to produce this 3-minute video about failure, motivation and success. Watch and be sure to listen carefully to the words. I […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Listen: An Inspirational Short FilmSign up for the Family Finances Seminar-WorkshopLearn how to create a do-it-yourself educational plan for your child. Click here for more info.
  • Seminar on Financial Planning for Parents this September

    Fitz
    26 Aug 2014 | 3:21 am
    The Ready To Be Rich: Family Finances Seminar is happening again on September 20, 2014. Now on its 4th run, this innovative workshop is your hands-on training on how to create a basic financial plan for your family. In this event, you will learn practical tips and a step-by-step guide on: How to create and […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Seminar on Financial Planning for Parents this SeptemberSign up for the Family Finances Seminar-WorkshopLearn how to create a do-it-yourself educational plan for your child. Click here for…
  • 7 Compelling Reasons Why You Should Get a Virtual Office

    Fitz
    22 Aug 2014 | 12:17 am
    Harold is a friend who works as freelance wedding photographer. He meets clients in coffee shops, and he does this at least twice a week. His clients don’t really mind, but sometimes it gets too noisy and they’d have to transfer. His home office is not that presentable to clients. Additionally, he’s also not too […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 7 Compelling Reasons Why You Should Get a Virtual OfficeSign up for the Family Finances Seminar-WorkshopLearn how to create a do-it-yourself educational plan for…
  • Are You Financially Secure? Here’s A Simple Test To Find Out

    Fitz
    19 Aug 2014 | 5:50 pm
    To be financially secure means having enough resources to support your standard of living today and in the foreseeable future. To be financially secure means being able to sleep well at night, with no fear and worry that you won’t have enough money to provide for yourself and your family. If you want financial freedom, […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Are You Financially Secure? Here’s A Simple Test To Find OutSign up for the Family Finances Seminar-WorkshopLearn how to create a do-it-yourself educational plan…
  • The Rewards of Questioning Your Every Spending

    Fitz
    17 Aug 2014 | 2:34 pm
    If you want to lessen your expenses, one simple trick is to ask yourself, “Is this worth it?” before making any purchase. Doing this will prevent you from buying things on impulse, but more importantly, it will raise the quality of your life because you’ll find yourself spending more on things that really matter. Avoid […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Rewards of Questioning Your Every SpendingSign up for the Family Finances Seminar-WorkshopLearn how to create a do-it-yourself educational plan for your…
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    Cash Flow Planning for Life

  • 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…
  • Is Your Retirement Planning Built on “3 Key Plans”?

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

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

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

  • When the Middle Class is No Longer

    Joe
    22 Aug 2014 | 4:00 am
    A couple weeks ago, I read a Times’ article The Typical Household, Now Worth a Third Less. The punchline of this article was the fact that the US median household saw their net worth fall from $87,992 in 2003 to $56,335 in 2013. The article linked to a report, Wealth Levels, Wealth Inequality, and the Great Recession. It offered further context to the median wealth numbers. Keep in mind, during this period, stocks, as measured by the S&P 500, rose by an inflation adjusted 61%. Yet, total wealth (look at the first line, the mean number) fell by 8.6%. This would be disturbing enough,…
  • Farewell to a Great Comedian

    Joe
    16 Aug 2014 | 4:00 am
    I was watching an old tape of Comic Relief ’87 when I saw the Tweets that Robin Williams had passed away. He had an amazing career, graduating from stand-up comedy to TV, to roles in movies which showed his amazing range of talent. The only other celebrity that I believe can claim such range is Tom Hanks. Let me know if you have another nomination for ‘best range’. Rest in peace, Mr. Williams.
  • Lobster-Nomics

    Joe
    25 Jul 2014 | 4:30 am
    I was away for a weekend, at a friend’s house on the lake in New Hampshire, and we went to pick up lobsters for diner. The price list caught me a bit off guard. I always understood the larger lobsters would cost a bit more per pound, so for example, the 1-1/2lb lobster is $18 vs $10 for the 1lb’er. No issue with that. What struck me was the drop in price per pound for the 4lb or bigger. Let’s do the math, 2lbs for $26, 3lbs for $39, 4lbs for $32. Let’s fill in the gap, 2.5lbs for $32.50. I did the math and wondered why anyone would buy one between 2 and 4 pounds. If…
  • Are We Close to the Age of Solar?

    Joe
    25 Jul 2014 | 4:00 am
    When we look at where we were just a decade ago, Solar Power has come a long way. The little solar voltaic cells were enough to power a calculator, and I thought of it as saving me $5 every year or two for as long as owned it. In hindsight, it was less about the $5 and more about having a dead calculator when it mattered most. We’ve come a long way and solar now seems to be hitting the mainstream, getting close to the point where it’s economical to power one’s home from these panels during the day. I specify day as there’s still a bit of an issue with storage of excess…
  • The Student and Family Tax Simplification Act

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

  • Restaurant Coupon Roundup {8/23/2014}

    Lisa Thompson
    23 Aug 2014 | 9:07 am
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Bakers Square – $5 Off 2 Entrees & 2 Drinks (exp: 8/29/2014) Biggby Coffee – $1.99 Any Size Iced Coffee (exp: 8/31/2014) Boston Market – Free Kids Meal with Individual Meal Purchase (exp: 8/31/2014) Carrabba’s – $10 Off 2 Dinner Entrees (exp: 9/30/2014) Corner Bakery – Free Bakery Fresh Sweet with Lunch or Dinner Entree (exp: 9/9/2014) Juice It Up – Buy 1 Get 1…
  • Retail Coupon Roundup {8/23/14}

    Lisa Thompson
    23 Aug 2014 | 8:49 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Aeropostal - $10 Off $50, $15 Off $75, or $25 Off $100 Purchase (exp: 9/14/2014) Ann Taylor Factory - 15% Off Full Price Purchase Starting 8/22 (exp: 8/24/2014) Bath & Body Works - Free Signature Collection Item with $10 Purchase (exp: 9/2/2014) Bealls – $10 Off $25 Purchase (exp: 9/1/2014) Bonton/Carson’s – 25% Off Sale Price Womens, Mens & Kids Apparel + More (exp: 8/26/2014) Kohl’s – 20% Off $100 Purchase or 15% Off Under $100…
  • 100 Cooking Hacks You Need to Know

    Lisa Thompson
    22 Aug 2014 | 11:03 am
    Have you ever started to cook and realized you don’t have buttermilk?  Have you tried to bake chocolate chip cookies and realized that your brown sugar has turned into a large rock?  Thought you had baking powder and realized you only had baking soda?  Here are some hacks that will make your life less stressful in the kitchen!!!  Make sure to pin this so you can find these helpful tips when you need them! Don’t have any buttermilk? Add 1 tbsp. vinegar or lemon juice to 1 cup of milk. Ready to peel the shells off eggs? Wet your fingers first—the peels won’t stick. Guesstimating…
  • Project 38: Update 1

    Lisa Thompson
    14 Aug 2014 | 5:39 pm
    It’s hard to believe that it’s been a month since I turned 38.  It’s been a crazy month.  We decided to move, bought a house, and closed on it in the last month!!!  Two of our kids started new schools this month and we have one more starting in a new school next week. With as much craziness as has gone on, I was quite pleased with my accomplishments so far! 1.  Read through my Bible twice 2.  Memorize 38 Bible verses 3.  Lose 10 pounds 4.  Lose 10 pounds 5.  Lose 10 pounds 6.  Lose 10 pounds 7.  Lose 10 pounds 8.  Lose 10 pounds 9.  Lose 10 pounds 10. Lose 10…
  • My Goals for the Week {8/11/2014}

    Lisa Thompson
    11 Aug 2014 | 1:48 pm
    We are moving in one week!  AAAAHHHHH!!!  I’m feeling a little overwhelmed, but I know that a routine and some discipline will help to make things go more smoothly!  We’re also putting our house on the market this week.  Please pray that it sells quickly! Here are my goals from last week: Family & Homemaking Goals 1. Go through school supply stockpile and find what we need for school this year and purchase whatever is missing. 2. Pack all clothes in my dresser and move dresser to the garage. 3. Put together 10 crockpot freezer meals.  (I did plan out some meals, I just…
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    Move To Portugal

  • Wardrobe Interiors

    Laura
    14 Aug 2014 | 5:09 am
    The apartment doesn’t give us a lot of room for wardrobes, but I managed to fit one in each bedroom with the help of the Ikea Pax system. Bedroom #2. Main clothing wardrobe for both of us with (not yet added) high gloss white sliding doors Clothing + linens (top shelf) added (+ a view of my untidy desk!) The shelves are very deep and I can fit my (2) handbags at the back of a shelf. Most of my clothes are folded. There’s 75cm of hanging space for M’s work shirts and suits + my (2) coats and (4) trousers. Then we have two baskets each for underwear. Bedroom #1 – The…
  • Living Area (Before Decoration)

    Laura
    13 Aug 2014 | 8:04 am
    A few photos of  how we’ve set up our new living space using our old furniture .The sofa’s are probably too big for such a small apartment, but we tried to make them work. Usual disclaimer: please ignore my bad photography skills! ^Books and DVD’s are stored in the wooden cupboard + our old bedroom curtains are used at the window^ ^ the new home for my large books^ ^storage^ There’s a small(ish) to do list for this room, but it’s probably going to be one of the last area’s we tackle. Change light fittings Paint all Change flooring Hang small amount of…
  • BEDROOM #1 – PLANNING

    Laura
    6 Aug 2014 | 3:22 am
    I seem to have a big to-do list (I’ll share soon) for such a small apartment, but I’m keen to get working on it straight away. The main issue we’ve faced over the last ten days of living here is the lack of storage. Apart from the kitchen, there isn’t any. The apartment is an empty box – perhaps a good thing as it means I can start from scratch. BEDROOM #1 Bedroom 1 is the main bedroom in the house (it has an ensuite), but we’re not using it as our bedroom. Instead this room is going to be a multi-tasker. It’s going to be the guest/office/dressing…
  • Our New Apartment

    Laura
    22 Jun 2014 | 7:37 am
    Hello! I’m still posting over on my other site but this quiet little home on the internet seems like a good place to keep a record of the updates we’ll soon be making to our actual little home. Our Small Home: I have big hopes for our small apartment. It’s a basic, modern two bed/two bath with a living room/kitchen. The agents details tell us it’s less than 700 sq ft (we haven’t checked yet), which compared to our current home is tiny. It’s going to be a challenge, but a good challenge at that. Minimalism: The ‘smallness’ of our new home will…
  • Simplifying

    Laura
    19 Mar 2014 | 5:42 am
    I read Leo’s poston Zen Habits last week and knew instantly what I had to do. I’ve been on a simplifying journey since 2005 and in that time I’ve had three children leave the nest, re-married, renovated a home, left my soul destroying job, paid off a considerable amount of debt (consumer & mortgage) and de-cluttered more items than I care to think about! I’ve also been trying to run two blogs. And it’s time to simplify this. I’ve taken the sad decision to cease posting over here at Move to Portugal. It’s not an easy decision to make, but I make…
 
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    Personal Dividends

  • What You Need To Know About Digital Distribution Platforms

    Tom Drake
    29 Aug 2014 | 5:00 am
    The chances of an indie band making it are already slim enough without factoring in the absolute power of distribution that a record label brings. Not every band can sign with Universal, but you can still find ways to distribute your music online and make money with it. Even if it is a modest sum from a side gig. The scene is thriving, so there has never been a better chance for new music. This collection of tips shows how the indies are competing with pros. Copyright Roundup It’s worth exploring the origins of copyright before discussing how to distribute music online. Copyrights provide…
  • New Airline Fees Make an Appearance

    Tom Drake
    26 Aug 2014 | 5:00 am
    You’re probably used to the checked bag fees that airlines have been charging for years now. Most of us are used to paying between $20 and $30 for the first checked bag, and paying even more for additional bags (some airlines charge $100 for a third checked bag). Unless you’re flying Southwest or JetBlue, which both allow your first bag to fly for free, and unless you belong to an airline rewards program that gives you free checked bags, you’re probably resigned to this fee. But what about other airline fees? Airlines are looking for ways to boost profits, and one way to do…
  • Are You Letting These 5 Emotions Rule Your Finances?

    Miranda Marquit
    19 Aug 2014 | 5:00 am
    One of the biggest problems that many of us have when it comes to money is that we often let our emotions get the best of us. Strong emotions cloud our judgement and lead to poor decisions that, too often, we regret later. “Money is an emotional currency,” says business coach Meriflor Toneatto. “It’s tied to our sense of self-worth and self-confidence, and our feelings of safety and security. These feelings often translate into self-limiting decisions.” Toneatto identifies 5 emotions that you want to avoid taking control in your financial life: 1. Fear There are…
  • Life Without Banks, Is It Possible?

    Tom Drake
    12 Aug 2014 | 5:00 am
    I don’t really use banks in the same way my parents did. It is conceivable that I could get along just fine without one. Many people do. What would it be like to completely ditch the bank? How would it change the way we transact business. Would it be a huge imposition, or would we even notice the change? It is important to take this disclaimer seriously. What follows is not investment advice, but a consideration of possibilities. Before closing out your account, let’s see what the possibilities are. Where will your money live? I honestly don’t know the answer to this question. It is…
  • Retirement or University Savings – Which Should Come First?

    Kevin Mercadante
    5 Aug 2014 | 5:00 am
    Most people don’t have the luxury of being able to address all financial concerns at the same time, at least not in any substantial way or even in equal measure. Most of us have to make choices and set priorities. This is often the case when you’re facing a choice between funding your retirement or university savings for your children. Both are major funding projects, and both involve goals that have great strategic significance in virtually every household. After all, you want to be in a position to be able to help your children attend university, but you also need to provide adequate…
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    Much more than debt, IVA and personal finance from ClearDebt.

  • Does TV portray debt in a positive manner?

    Jo Gordon
    8 Aug 2014 | 7:45 am
    Does TV portray debt in a positive manner? is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Does TV portray debt in a positive manner? is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. There have been many references to debt recently on the TV, from fictional portrayals in the soaps to documentaries, but does this exposure help or hinder people who find themselves […]
  • Budgeting today: are we suffering from bad budgeting education?

    David Taylor
    31 Jul 2014 | 7:44 am
    Budgeting today: are we suffering from bad budgeting education? is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Most of the younger generation I’m coming across these days have no basic knowledge of cooking healthy, cost effective meals. The easier alternative of buying pre-packaged, readymade food is a more attractive option, it costs more but no effort is required.
  • Are IVAs cannibalising Debt Management Plans?

    Kristian Stock
    30 Jul 2014 | 9:00 am
    Are IVAs cannibalising Debt Management Plans? is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Individual Voluntary Arrangements (IVAs) maintain their position as the most used personal insolvency procedure according to the latest Insolvency Service Statistics. But are IVAs cannibalising other forms of personal insolvency and debt management plans?
  • Cleardebt And Abacus Offer Free Debt Management Plans To Clients Of Failed Debt Management Firms Debt Help & Advice And First Step Finance

    Andrew_F_Smith
    22 May 2014 | 7:51 am
    Cleardebt And Abacus Offer Free Debt Management Plans To Clients Of Failed Debt Management Firms Debt Help & Advice And First Step Finance is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Cleardebt And Abacus Offer Free Debt Management Plans To Clients Of Failed Debt Management Firms First Step Finance and Debt Advice & Help
  • Failure Of Debt Management Firm “Debt Help And Advice”

    Chris Brown
    22 May 2014 | 7:24 am
    Failure Of Debt Management Firm “Debt Help And Advice” is a blog post from: ClearDebt a leading UK licensed insolvency services company. ©2013, All Rights Reserved. Debt Help & Advice Ltd based in Stockport, Manchester announced that it had ceased trading on Tuesday 20th May. Find out more about what you can do if you are affected.
 
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    Money Watch

  • MoneyDashboard Adds New Functionality

    Rob Lewis
    19 Aug 2014 | 1:56 pm
    MoneyDashboard have recently added a few new features to their site to help improve the management of the accounts you aggregate through their service. They’re hoping that the following features will make it easier to manage your money through the site: Add additional financial items – if you’ve got accounts which don’t have online access, or assets you wish to add manually, such as your house price, then you can now enter them. You can edit and update them in the future as their values change. This is something I’ve done on Yodlee for a while; getting a recent…
  • goHenry vs Osper

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

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

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

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

  • 3 Simple DIY Projects That Will Save You Money

    Sandy Smith
    24 Aug 2014 | 9:53 pm
    You might hear the words, “Do it yourself” and the butterflies in your stomach awaken (and bounce around for a while). I admit that there are quite a few stories out there where a DIY project has gone terribly wrong and may have even cost the homeowner more (after something has exploded) to eventually get the issue fixed by a professional. But, for every one horror story, there are at least 10 success stories. With all of the help out there online, there is certainly enough information to learn how a project is done, and that DIY project can typically be completed with ease and for an…
  • My Carpets are Ruined! Will My Homeowners Insurance Replace Them?

    Sponsor
    24 Aug 2014 | 7:48 pm
    When many people think of a home insurance claim, they think of major damage, such as storm damage, fires, floods, and other potentially catastrophic events. The idea of homeowners insurance in most people’s minds is to protect you and your family from damage so extensive that you’d never be able to afford fixing it on your own in a reasonable amount of time. In other words, your savings account might not cover the cost of fixing that gigantic hole in the roof, but you need to find a way to keep your family out of the rain tomorrow. While it’s true that nearly all home insurance…
  • Mom Fired For Working At McDonald’s While Kid Plays In Park…Was She Wrong?

    Sandy Smith
    28 Jul 2014 | 7:56 am
    Despite my headline, let me first say that it appears as if McDonald’s has communicated with this mom’s attorney that there was a misunderstanding about her employment status and that she been offered the right to return to work. See what had happened was, Debra Harrell, a McDonald’s employee in North Augusta, South Carolina was arrested and charged with a felony with unlawful neglect towards a child for leaving her 9 year old daughter in a playground for hours at a time while she worked at the nearby McDonald’s. The girl would then make the 1.5 mile trek to the…
  • 8 Possible Reasons Why You Didn’t Get the Job

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

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

  • Which types of people and groups are not eligible for life insurance?

    Money Reasons
    21 Aug 2014 | 8:09 pm
    I’ve recently read some interesting information about the types of people and groups that are not eligible for life insurance that I’d like to cover with you!Are there any Groups of People who can’t get Life Insurance?You may be wondering if you’re within a section of the population that may struggle to find a life insurance provision. It can be difficult for some people to get a plan, and potentially expensive, but there are provisions in place for some groups who find it difficult to get private life insurance.It’s often said that you can only buy insurance when you…
  • Real Estate Search – Marble Restoration Edition

    Money Reasons
    20 Aug 2014 | 9:57 am
    Lately, I’ve been pretty busy!So what am I doing that is dominating my time?  2 words… Real Estate!I’m both looking for a slightly bigger house and/or a decent piece of rental property to purchase.So why is this called the “Marble Restoration” Edition?  Well basically I found a pretty decent house, but the marble bathrooms (and in particular the showers) in the larger house has some aged but still pretty marble areas.  While the house in general looks amazing, the granite has a somewhat shoddy looks and needs restored or replaced.At first, I thought about…
  • IRS Audit and Audit Representation – How to Handle an Audit

    Money Reasons
    30 Jul 2014 | 10:52 pm
    With changes to federal regulations in tax law every few years, it can become difficult to keep track of the details of your taxes. Perhaps you made a mistake when you filled out your W2 form, or maybe the details of your life have changed and you forgot to file the necessary changes with the IRS. Whatever the reason behind your audit, it can be a stressful and worrisome experience if you aren’t familiar with tax law. Fortunately this guide is available to help you through the difficult experience of facing an IRS audit, and audit representation is easier to come across than you might have…
  • I’ve Been on a Personal Finance Hiatus

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

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

  • Rewards Pro – Loyalty Programs I Love

    Jason Steele
    29 Aug 2014 | 4:00 am
    Airlines and hotels often receive a bad reputation for being too complicated and for changing their programs without advanced notice. For the most part, they deserve much of their criticism. Nevertheless, there are still some programs out there that have earned my admiration, trust, and yes, loyalty. Southwest Airlines Rapid Rewards Don’t believe it when […]
  • Discover It Vs. Chase Freedom, Which Card Has The Best Benefits?

    Jason Steele
    27 Aug 2014 | 4:00 am
    and have both hit on winning formulas for credit card users. Both offer cash back rewards in the form of 1% for all purchases and an additional 4% for purchases from select categories of merchants that change each quarter, on up to $1,500 of eligible spending each quarter. Both cards also come with competitive promotional […]
  • Chase Freedom Versus Discover It

    Jason Steele
    25 Aug 2014 | 4:00 am
    and the card are two of the most popular reward cards on the market. They both offer 1% cash back on all purchases, and an additional 4% cash back on purchases from select categories of merchants that change each quarter, on up to $1,500 of eligible spending each quarter. There is no annual fee for […]
  • Rewards Pro – Is Retail Purchase Protection More Generous Than You Know?

    Jason Steele
    22 Aug 2014 | 4:00 am
    When you are approved for a credit card, the card comes in the mail a few days later, along with a booklet that details all of the benefits of this card. Most people just throw away this brochure full of fine print, but as a credit card expert, my job is to actually read it. […]
  • Choosing The Right Discover Offer

    Jason Steele
    20 Aug 2014 | 4:00 am
    The card does a great job of trying to be one card for all purposes. It features introductory financing offers, rewards for spending, and a range of other features and benefits. In addition, it also comes in three different versions. Here are those versions, and who should apply for which: with 14 months of interest […]
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    Credit.com

  • Can You Use the GI Bill to Pay Off Student Debt?

    Gerri Detweiler
    28 Aug 2014 | 9:01 pm
    Johnnie, a veteran, has $12,000 in student loan debt he is struggling to repay. He wrote to us recently, wondering if there is a way to tap his GI Bill benefits to help pay off that debt: I enlisted in the Marine Corps in May of 2002, ended enlisted service in December of 2008 (technically checked out of my unit in January of 2009), and received my Honorable Discharge and completed my DOD contract in May of 2010. I never utilized my Montgomery GI Bill benefits, but not due to not trying. I got the run around every time I requested information or made appointments to speak with Veterans…
  • Should You Get a Prenup?

    AJ Smith
    28 Aug 2014 | 9:01 pm
    Getting married is usually surrounded by romance and excitement, but becoming a married couple typically entails some lifestyle changes. It can be overwhelming to focus on the big day itself, but it’s also important to think about what happens after the wedding. Talking about your finances before walking down the aisle can help you make them a priority as a couple. Too often finances can be an uncomfortable topic for couples. Not all marriages last a lifetime but some people feel discussing an end to marriage before it begins is a bad sign. Others believe thinking about it can save…
  • Is Student Debt Really Hurting the Housing Market?

    Christine DiGangi
    28 Aug 2014 | 9:01 pm
    Young Americans with student loan debt have to earn 34% more, or an extra $8,969 a year, than their peers without education debt in order to buy a median-priced home, a new analysis from RealtyTrac finds. That may seem upsetting to debtors at first glance, but when you think about it, the figure makes a lot of sense: When applying for a mortgage, you have to exhibit an ability to repay the loan, and if a portion of your income is going toward other debt obligations, you’ll need to make up the difference with more income to reach an acceptable debt-to-income ratio. Of course, when…
  • How Buying Gas Could Cost You Your Identity

    Christine DiGangi
    28 Aug 2014 | 9:01 pm
    Labor Day weekend presents a welcome opportunity to get out of town, spend a few days with friends and family and look forward to a shortened work week, but consumers aren’t the only ones excited about the holiday. Nearly 35 million Americans are expected to travel more than 50 miles from home this Labor Day weekend, the AAA travel forecast says, and about 29.7 million will do so in their cars. That means they’ll need to fuel up, and gas stations are a favorite target of credit card thieves. Credit card skimming has been around for years, but people still forget (or don’t…
  • I Got a Credit Card Offer in the Mail. Now What?

    Jason Steele
    28 Aug 2014 | 9:01 pm
    Perhaps you just received a credit card offer in the mail, or were handed one in the airport, or at the cash register in your favorite store. So now that you have this offer, what should you do with it? You may not come by credit card offers every day, but there is no shortage of them. The credit card industry is extremely competitive, and customers with good or excellent credit are in the driver’s seat when it comes choosing a new card offer. (You can see your credit data, including two scores, for free on Credit.com.) So take the offer you have, and do some basic research to find…
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    The Allstate Blog

  • Canning Safety 101

    Melissa
    29 Aug 2014 | 4:00 am
    While canning your home-grown produce is a great way to enjoy the bounty of your garden year round, it is important to know how to do so in a safe manner. If canning is done improperly, there is a risk of contracting botulism poisoning from the finished product. Botulism poisoning is a serious disease caused by a germ found in soil, according to Centers for Disease Control and Prevention. If you can your food improperly, the CDC warns, the toxin that causes botulism can grow in your canned food, and can make you sick when you eat it. Canning safety can be broken up into two parts:…
  • Did Your City Make the Best Drivers Report?

    Brendan
    28 Aug 2014 | 2:47 pm
    It seems no matter where you live, people often complain about bad drivers. But there have to be good drivers out there, right? There are! Each year since 2005, Allstate has released an annual report called Allstate America’s Best Drivers Report that ranks America’s 200 largest cities in terms of car collision frequency to identify which cities have the safest drivers. This year marks the 10th anniversary of the Best Drivers Report and to celebrate this milestone, we created a fun, interactive page where you can search for rankings both by year and by five major statistical categories.
  • Protecting Your Car During Denver’s Hail Season

    Brendan
    28 Aug 2014 | 8:56 am
    Denver residents are all too familiar with the North American Monsoon, which brings afternoon thunderstorms — and often hail — from mid- to late-summer, according to the Desert Research Institute (DRI). Colorado’s Front Range is in the heart of “Hail Alley,” which receives the highest amount of large hail in the world, according to the Rocky Mountain Insurance Information Association (RMIIA). Denver residents usually experience three or four catastrophic ($25 million-plus in damage) hailstorms each year, the RMIIA says, adding that Colorado’s 10 most costly hailstorms were…
  • ParkChicago App Lets Drivers Pay for Parking Via Mobile Device

    Brendan
    28 Aug 2014 | 8:44 am
    You’re in the middle of an important business lunch, but you need to fill the parking meter. It’s inconvenient — and a little embarrassing. But now there’s an app that lets Chicago residents pay for parking without interrupting more pressing activities. ParkChicago provides drivers the option to pay for metered street parking using their mobile phone, tablet or computer, says Scott Burnham, spokesman for ParkChicago. Android and iPhone users can download the free ParkChicago app on Google Play or iTunes, Burnham says. “Motorists can now park without having to visit a meter box,…
  • Move-Over Laws Can Help Pave the Right of Way for Emergency Responders

    Cristel Mohrman
    28 Aug 2014 | 8:28 am
    Labor Day is approaching, and with the long weekend often comes holiday traffic. To help ensure safety, it is important to remember to follow the rules of the road not only for your protection, but for others as well. In addition to requiring drivers to yield to approaching emergency vehicles with activated sirens, most states also have “move-over” laws that dictate what drivers should do when certain vehicles are stopped on the side of the road. Nearly every state has a move-over law that applies to police, fire and other emergency vehicles. Some states’ move-over laws…
 
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    Centsible Life

  • 25 Fall Family Activities for Less

    Kelly Whalen
    28 Aug 2014 | 9:29 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Light the Night Walk: Help Raise Funds to Cure Blood Cancers {donated}

    Kelly Whalen
    26 Aug 2014 | 3:28 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Back to School 2014

    Kelly Whalen
    26 Aug 2014 | 9:10 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • The Cost of Straight Teeth: Invisalign versus Braces #InvisalignTalk {sponsored}

    Kelly Whalen
    26 Aug 2014 | 5:00 am
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  • Back to School Meal Plan with ACME’s #MyMixx {sponsored}

    Kelly Whalen
    25 Aug 2014 | 7:15 am
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    The Daily Reckoning

  • The Currency that is Winning the “Race to the Bottom”

    Jeff Desjardins
    28 Aug 2014 | 12:50 pm
     “Printing dollars at home means higher inflation in China, higher food prices in Egypt and stock bubbles in Brazil. Printing money means that U.S. debt is devalued so foreign creditors get paid back in cheaper dollars. The devaluation means higher unemployment in developing economies as their exports become more expensive for Americans. The resulting inflation also means higher prices for inputs needed in developing economies like copper, corn, oil and wheat. Foreign countries have begun to fight back against U.S.-caused inflation through subsidies, tariffs and capital controls; the…
  • “How to Get Rich” is Not How You’d Expect

    Chris Mayer
    28 Aug 2014 | 12:19 pm
    Today, I’m going to impart one the world’s most colorful entrepreneur’s secrets to building lasting wealth. I’ll also bid him adieu. His name is Felix Dennis. He died on June 22, 2014, at the age of 67 from throat cancer. If you’ve never read his book, How to Get Rich, you’re missing out on the best book of its kind. But more on that in a bit. Felix Dennis was one of the richest self-made men in Britain. He started with nothing. No capital and no college education. Dennis made his money publishing hobbyist and lifestyle magazines, beginning with Kung-Fu Monthly in 1974. He then…
  • How “Travel Hacking” Can Help Improve Your Credit Score

    Chris Campbell
    28 Aug 2014 | 10:44 am
    Yesterday, I showed you how to get free airfare to almost anywhere in the world. Today, I’m going to take it one step further… Let’s say you already have the Chase Sapphire card I mentioned yesterday and you’re using it on your normal expenses. (Again, if you can’t meet the minimum with normal expenses, don’t worry! I’ll show you the really cool trick in a moment.) Once you notice you’re getting close to the minimum on your Sapphire card, go ahead and find another attractive rewards offer. Stay smart and travel hacking will inevitably HELP your…
  • Huge Gains Waiting in a Forgotten Corner of the Market

    Greg Guenthner
    28 Aug 2014 | 8:58 am
    While every other investor on the planet is distracted by the S&P 500’s new highs, you have the opportunity to book serious gains in one forgotten corner of the market. Metals are setting up to deliver traders and investors impressive returns. And I’m not talking about gold and silver. Instead, you need to check out the base metals. Sure, copper and aluminum are not as glamorous as gold and silver. But I doubt you’ll complain much when you see these powerful setups… First, let’s take a look at these base metals through the PowerShares DB Multi-Sector Commodity Trust Metals Fund…
  • The Greatest Challenge Facing America’s Economic Dominance

    Alasdair Macleod
    27 Aug 2014 | 2:50 pm
    There will be a defining geopolitical event next month when India, Pakistan, Iran and Mongolia become full members of the Shanghai Cooperation Organisation (SCO). This will increase the population of SCO members to an estimated 3.05 billion. We should care about this because it is the intention of the SCO to do away with the US dollar for trade settlement. The nations joining in September are currently designated as Observer States and the only one left will be Afghanistan, which will presumably join when it can untie itself from NATO. Dialog Partners, defined as states which share the goals…
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    Canadian Finance Blog

  • 5 Ways to Eat Healthier and Save Money on Food

    Tom Drake
    25 Aug 2014 | 2:00 am
    One of the complaints that many people have about eating healthy is that it can be expensive. If you go to the grocery store and look at the low, low cost of high-sodium, high-sugar pre-made convenience foods, it becomes apparent that this is the case. Sugary drinks like soda and Kool-Aid cost less than healthier juice and milk choices. Single serve microwave dinners are often on sale for less than the cost required in stocking up on fruits and vegetables. However, it is possible to eat healthier and save money on your overall food bill. Here are 5 ways to save more money on food, and improve…
  • Tips for Negotiating a Better Deal

    Tom Drake
    18 Aug 2014 | 2:00 am
    One of the traditions the recent trend toward frugality has resurrected is negotiating. Whether you are negotiating for a car, or asking for a discount in a department store, knowing how to negotiate can save you quite a bit of money, especially if you employ negotiation techniques on various purchases over the course of a lifetime. Here are a few tips you can use to help you get a good deal, no matter where you shop: Know Your Stuff First of all, it helps to know what something is worth. Do a little research so that you know what a good deal is. You want to be reasonable, not a bully.
  • How Do Credit Cards Work?

    Tom Drake
    11 Aug 2014 | 2:00 am
    Plastic is becoming one of the most popular ways to pay. And no wonder: It’s convenient and relatively safe. With credit cards, you don’t need to carry around wads of cash, and if your credit card is stolen, you aren’t liable for purchases. If your cash is stolen, it’s gone. But how do credit cards work? The Technical Transaction Each credit card as information embedded somewhere on the card. This information might be in a magnetic strip, or in a small chip in the card. Your account number, bank information, and other items are stored on the card, and can be accessed…
  • Are Group Deal Vouchers All They’re Cracked Up To Be?

    Tom Drake
    5 Aug 2014 | 2:00 am
    We do everything socially these days. The Internet has made it easier to share your life with others – and that includes your shopping habits. The rise of sites like Groupon and LivingSocial make it possible for you to enjoy great deals along with all of your friends. But are these group deal vouchers all they’re cracked up to be? Why are You Buying the Vouchers? One of the first things you have to ask yourself is why you are buying any given voucher. When you see that your Facebook friend has just bought a voucher for 75% off on shoes, it looks like a great deal. But would you have…
  • What is Income Investing?

    Tom Drake
    28 Jul 2014 | 2:00 am
    You’ve probably heard this phrase: “Put your money to work for you.” The idea is that your money can earn money, through the power of interest. When you invest your money, there is a chance that it will work on your behalf. Your principal is put to work by others, and the returns are shared with you. This is the idea behind income investing. When you are involved with income investing, you make investments that are designed to provide you with regular cash flow. The goal of income investing is to invest capital in such a way that your regular returns can fund your every day…
 
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    The Dividend Guy Blog

  • The Bond that Will Kill You

    DivGuy
    27 Aug 2014 | 2:19 am
    What’s the worst thing that could happen to a retiree?   a)      2 golf balls in the lake the same day b)      A Barista at Starbucks putting cinnamon topping with whole milk on his Non-Fat Vanilla Latte c)       Outliving his savings   Once you retire, it’s finally time to enjoy life. It’s time to relax, do what you love most and stop stressing. Unfortunately, this definition of retirement is pretty rare. Most retirees still have to work to fill the hole in their budget and others worry about how long they can hold on to their savings before the well dries-up.
  • Is There Growth Left Inside the Canadian Banks and Telecom Sectors?

    DivGuy
    20 Aug 2014 | 2:00 am
        Since 2009, two Canadian sectors had proven to the world the Canadian market can provide strong dividend growth stocks. It’s not by luck that four out of the ten Best Canadian Dividend Stocks for the Next Decade come from these two sectors.   Both sectors are quite similar on many fronts. They both oligopolies, this is a mature market, but natural growth is still available and federal laws protect them from other competitors (mind you, it has become less protected for telecoms in recent years). In my opinion, they are the backbone of dividend stocks in Canada and all…
  • Retiring at 35 – Crazy Idea?

    DivGuy
    13 Aug 2014 | 2:00 am
        All right, I must warn you; this is a little bit of a weird post. I’ve been thinking about this scenario for about two months now. Maybe it’s the sun beating on my head too hard, or maybe it’s just a funny thought that will evaporate into thin air in a few weeks. Or… maybe I’m really tired about this whole crazy lifestyle where you have to run from 5am in the morning till 10pm and hope to have a good weekend to recharge for the next week. Anyhow, I wanted to have your feedback on this crazy plan.   Where I’m at right now But before I share my plan with you, I…
  • Do You Need a Million Bucks to Retire?

    DivGuy
    6 Aug 2014 | 2:00 am
        This article idea came to mind after discussing with one of my readers. His questions looked like this: “I’ve heard I need about a million dollars to generate a $40,000 income at retirement”   There are lots of rules of thumb surrounding retirement. You need to generate 70% of your job income at retirement. You should consider a 4% withdraw rate. You should invest differently (safer investments) now that you are retired. You should always save at least 10% of your income to retire happy. The average rate of return of a stock portfolio should be 8-10%. Which ones of…
  • Dividend Readings

    DivGuy
    2 Aug 2014 | 7:14 am
    This week, I’ve wrote a huge piece about high dividend yield stocks vs dividend growth stocks. This 2,000+ words piece got lots of attention and I’m already at 30 comments!   I’ve also wrote a guest post at Retire Happy; Dividend Investing to Retire on Passive Income.   Here are some other great reads for the weekend: I’ve discovered another dividend blog! Dividend & Whisky (two great passions ;-)). He recently bought LMT and MCD. Gross profitability and Dividend aristocrats @ Sure Dividend Working toward financial freedom @ My Own Advisor Key points for beginners…
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    Steadfast Finances

  • If I have a Pre-Existing Condition is it Covered by my Health Insurance?

    CJ
    19 Aug 2014 | 2:18 pm
    If you already have a health condition you will want to know that your medical care will be covered by your health insurance.  You don’t want to have pay out large amounts of money if you’re not covered. There was a time when a pre-existing condition meant that insurance providers were wary.  Some could veer away from applicants who already had a condition and applications could be refused.  The situation changed with the arrival of the Affordable Care Act. Click this link to read more about HBF & how they handle pre-existing conditions. So how did the Affordable Care Act affect…
  • Finance101 for School Leavers: What Schools Don’t Tell You

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

    CJ
    10 Dec 2013 | 9:33 am
    When you decide that you want to take out a loan there are many things that you need to consider. Firstly you need to know about the range of loans that are available so that you know what sort of things you need to be thinking about in order to make a decision based upon the things that are important for you. Once you are armed with the facts on what is out there, bring it back to you. What is it that you need to consider? Amount It sounds silly but take considerable time thinking about the amount that you want to borrow. For example: If you are taking out a loan to make up a shortfall in…
  • Reasons to Get Life Insurance

    CJ
    24 Nov 2013 | 12:45 pm
    I was talking to a friend of mine the other day who is almost 3o and his wife is pregnant. When I asked him what type of life insurance he had, he looked puzzled. “Surely you have life insurance at your age, with a child on the way?” I asked him. I was shocked to find out that he did not think he needed life insurance because he was ONLY 30. Unfortunately, younger generations are failing to get adequate life insurance to protect their loved ones from financial challenges in the event that something happens to them – and they are using the worst excuses to ignore the problem.
  • Ways to Avoid Losing Money when Selling your Home

    CJ
    23 Oct 2013 | 12:21 pm
    If you are putting your home on the market, the chances are you want to get the best offer possible for it. The sale process is punctuated with a number of pitfalls that can result in a homeowner losing money on their home. Here are three ways to squeeze as much money as possible out of your house sale. Price your Property Appropriately When it comes to pricing your property, it is essential that you are bang on the mark. Pitching your price too high can prolong the sales process and cost you more in the long run. The current economic climate means that buyers are savvier than ever and you…
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    MoneyProblems.ca

  • Is A Reverse Mortgage A Good Idea?

    Ted Michalos
    27 Aug 2014 | 5:00 am
    In my practice I see a lot of older Canadians finding themselves facing debt problems they never expected to face in their senior years. In fact, debt among seniors is a growing trend, something to be concerned about. So when I first heard of reverse mortgages (quite a few years ago) my... Read more The post Is A Reverse Mortgage A Good Idea? appeared first on MoneyProblems.ca.
  • Understanding Debt Consolidation In Canada

    Moneyproblems Answers
    20 Aug 2014 | 5:00 am
    You have a few outstanding debts and are having trouble keeping up with the monthly payments. A debt consolidation loan can be an efficient alternative to consolidate these multiple payments into one. You end up with a simpler debt repayment plan and may be able to lower your overall monthly... Read more The post Understanding Debt Consolidation In Canada appeared first on MoneyProblems.ca.
  • Are You On The Path To Bankruptcy?

    Moneyproblems Answers
    13 Aug 2014 | 5:00 am
    Every year more than 120,000 Canadians find themselves so deep in debt that filing insolvency becomes the only way to recover. It’s not the path of choice for anyone. No-one takes on debt assuming they won’t be able to repay what they owe. For most, it’s the combination of overwhelming... Read more The post Are You On The Path To Bankruptcy? appeared first on MoneyProblems.ca.
  • Of Grasshoppers and Ants

    Gail Vaz-Oxlade
    6 Aug 2014 | 5:00 am
    Remember the story Aesop wrote about the grasshopper and the ant? In a field one summer’s day a grasshopper was hopping about, chirping and singing to its heart’s content. An ant passed by bearing along with great toil an ear of corn he was taking to the nest. “Why not... Read more The post Of Grasshoppers and Ants appeared first on MoneyProblems.ca.
  • Constant Overdraft A Warning Signal

    J. Douglas Hoyes
    30 Jul 2014 | 5:00 am
    How do you know if you are at risk for money problems?  The obvious answer is that if you are getting constant collection calls and are threatened with court action you have money problems, but for most people there are many warning signals long before court action begins. A better... Read more The post Constant Overdraft A Warning Signal appeared first on MoneyProblems.ca.
 
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    JoeTaxpayer

  • When the Middle Class is No Longer

    Joe
    22 Aug 2014 | 4:00 am
    A couple weeks ago, I read a Times’ article The Typical Household, Now Worth a Third Less. The punchline of this article was the fact that the US median household saw their net worth fall from $87,992 in 2003 to $56,335 in 2013. The article linked to a report, Wealth Levels, Wealth Inequality, and the Great Recession. It offered further context to the median wealth numbers. Keep in mind, during this period, stocks, as measured by the S&P 500, rose by an inflation adjusted 61%. Yet, total wealth (look at the first line, the mean number) fell by 8.6%. This would be disturbing enough,…
  • Farewell to a Great Comedian

    Joe
    16 Aug 2014 | 4:00 am
    I was watching an old tape of Comic Relief ’87 when I saw the Tweets that Robin Williams had passed away. He had an amazing career, graduating from stand-up comedy to TV, to roles in movies which showed his amazing range of talent. The only other celebrity that I believe can claim such range is Tom Hanks. Let me know if you have another nomination for ‘best range’. Rest in peace, Mr. Williams.
  • Lobster-Nomics

    Joe
    25 Jul 2014 | 4:30 am
    I was away for a weekend, at a friend’s house on the lake in New Hampshire, and we went to pick up lobsters for diner. The price list caught me a bit off guard. I always understood the larger lobsters would cost a bit more per pound, so for example, the 1-1/2lb lobster is $18 vs $10 for the 1lb’er. No issue with that. What struck me was the drop in price per pound for the 4lb or bigger. Let’s do the math, 2lbs for $26, 3lbs for $39, 4lbs for $32. Let’s fill in the gap, 2.5lbs for $32.50. I did the math and wondered why anyone would buy one between 2 and 4 pounds. If…
  • Are We Close to the Age of Solar?

    Joe
    25 Jul 2014 | 4:00 am
    When we look at where we were just a decade ago, Solar Power has come a long way. The little solar voltaic cells were enough to power a calculator, and I thought of it as saving me $5 every year or two for as long as owned it. In hindsight, it was less about the $5 and more about having a dead calculator when it mattered most. We’ve come a long way and solar now seems to be hitting the mainstream, getting close to the point where it’s economical to power one’s home from these panels during the day. I specify day as there’s still a bit of an issue with storage of excess…
  • The Student and Family Tax Simplification Act

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

  • The Secret To Happiness Revealed! Make Over $500,000 A Year

    Financial Samurai
    29 Aug 2014 | 4:18 am
    In an amazing Gallup poll highlighted by the Wall Street Journal, it says that 100% of those who make more than $500,000 are “very happy”! That’s right. Not 98%. Not 99%. But pure 100%. This is a breakthrough research finding that has amazingly received little publicity. When you find perfection, it must be revealed! Surely this study is more earth-shattering than a PhD at the University of Alabama finding that those who ate more fried chicken and “Southern food” had a higher chance of a stroke. More money, more delirious happiness, not more problems, silly…
  • Is An MBA A Big Waste Of Time And Money?

    Financial Samurai
    27 Aug 2014 | 4:08 am
    During the summer of 2014, Personal Capital had the luxury of hosting three MBA interns in the marketing department where I consult part-time. One was actually a Harvard JD/MBA, which is darn impressive because she has to get into both schools separately. The other two were from Stanford. They did a great job brainstorming and executing fantastic ideas. In addition to our summer MBA interns, our head of business development (Stanford), our head of client engagement (Stanford), our digital marketing executive (Michigan), our CMO (Cornell), and our CEO (Harvard) also have MBAs . Then…
  • Someone Stole My Credit Card – What To Do?

    Financial Samurai
    25 Aug 2014 | 3:48 am
    Just when I said nothing much happens with my credit card, somebody goes ahead and steals my credit card! But perhaps “stealing” is the wrong word to use in this situation, so let me clarify. The last place I used my credit card was at the local Kelly Moore paint store. I remember taking it out, but not taking it back before I left. I remember the clerk who swiped my card for $43 for a gallon of hybrid paint. Yet, when I called back a day later to see if they had my card, the clerk said “no.” Then I went back to the store the next day to ask the employees face-to-face…
  • Are Personal Finance Bloggers Some Of The Sexiest People On Earth?

    Financial Samurai
    22 Aug 2014 | 4:08 am
    I was eating dinner at my local Indian joint when a late 20s couple sat at the table right next to me. The guy, a new pharmacy graduate from UCSF was with a female pharmacy student. He was buttering her up with praise about how she’s so popular now that her research report got published in some pharmacy journal. She blushed with pride. I tuned out their entire conversation for 20 minutes as I stuffed my face with chicken tikka masala until I couldn’t help but overhear one phrase. He awkwardly said, “I think I’ve gotta build myself an emergency fund, you know? I hear…
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    Automatic Finances

  • Can We Finally Send Money to Friends Without a Fee?

    Jason Unger
    28 Aug 2014 | 5:05 am
    I’m that guy. You know me. When we go out with friends, and the check comes, I’m the one who never has any cash for splitting the bill. Sorry. I know. It’s just that I don’t carry cash on me – or else it burns a hole in my pocket. I pay for everything with a debit card, and do all of my banking online. So when the bill comes, I’m either a) asking if we can get separate checks b) paying for the whole bill, and getting re-paid, or c) having someone cover for me and I’ll pay them back Yeah, I know – it’s annoying. Sorry. If we’re…
  • Public Service Announcement: Change Your Online Banking Password

    Jason Unger
    26 Aug 2014 | 5:28 pm
    When was the last time you changed the password for your online banking account? Seriously. Think about it. Have you ever changed it? I wouldn’t be surprised if most of you – even though you’re a savvy online banking user – rarely, if ever, change your banking passwords. This is especially true if you use an account aggregator like Mint or Yodlee, where your password is needed to update your external accounts. According to new research from YouGov Omnibus, 53% of Americans have changed their online banking password in the past year. I’m actually pretty…
  • Review: Capital in the Twenty-First Century

    Fred Siegmund
    19 Aug 2014 | 1:50 pm
    Capital in the Twenty-First Century by French economist Thomas Piketty studies and examines the only controversial question in economics: the distribution of income and wealth. It studies distribution between capital and labor, among wage earners, among capital owners, between countries and over several hundred years. Few authors of economics books more than 500 pages with analytical foundations and a reflective data driven discussion attract attention in the popular media as Piketty has done. Paul Krugman comes to mind, but his notoriety comes in small doses from his New York Times…
  • Are You Getting the Best Rates Possible?

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

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

  • Free Two Year Subscription to LEGO Magazine

    Mike
    4 Aug 2014 | 7:12 am
    Whether you collect LEGO as an investment or just for fun, this is an offer that you simply cannot turn down.  Just sign up at the link below and you’ll receive a two-year membership in the LEGO club including free copies of LEGO Club Magazine.  You can also elect to receive LEGO Club Jr if you sign up with your child’s information. Click here to grab your free LEGO Magazine subscription.
  • Sizing Up Your Debt

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

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

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

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

  • Set Emotion Aside During a House Sale

    Twila VanLeer
    28 Aug 2014 | 9:05 am
    Be objective about selling your home.A home seller who is making decisions based on emotional feelings about their property may find the going very slow, real estate experts say. Failure to look at the sale as a financial transaction (although a very important financial transaction) may thwart efforts to consummate the sale. Cold, hard decisions should be made without sentimentality getting in the way, they say. The experts offer these suggestions to avoid pitfalls related to emotion: Don’t expect a potential buyer to see the value you attach to certain features of your property. They are…
  • Be Certain Your Resume Reflects The Real You

    Twila VanLeer
    27 Aug 2014 | 7:12 am
    Your Resume Is Crucial For Landing Your Next JobWhen your resume is a large part of the first impression a prospective employer sees, you want to be sure that the resume tells the true story. It’s enough to keep you awake nights before a crucial interview as you try to decide how much information is necessary and at what point it becomes fluff. Experts share these tips for the job hunters: By all means showcase your professional accomplishments, but relate them to the job you are seeking. How does what you have done relate to the skills required for this new employment opportunity? The…
  • Small Business Hires Are Up

    Twila VanLeer
    25 Aug 2014 | 1:07 pm
    Companies are leaving behind their post-recession caution and stepping up hiring.For some time, financial experts have been predicting a surge in hiring among small businesses. Now it’s happening. As the demand for their products and services swell, the companies are leaving behind their post-recession caution and stepping up hiring, economists report. The growth in the small business arena also is reflected in a spate of new businesses such as car care, spas, cosmetology and special service areas. This suggests that Americans as individuals also are moving beyond the recession mode and…
  • Cut Costs on College Textbooks

    Twila VanLeer
    22 Aug 2014 | 9:02 am
    Save money on college textbooks by buying used books.After tuition, the biggest financial challenge for many college students is the soaring cost of textbooks. On average, students pay about $1,200 per year on class texts and other materials, according to the College Board, whose members represent colleges universities and other educational institutions. The costs rose about 6 percent a year from 2002 to 2012, about three times the rate of overall inflation, the Government Accountability Office reported. One of the reasons is the frequent issuing of new textbooks with little new material.
  • Work At Home? Balance Job, Family

    Twila VanLeer
    15 Aug 2014 | 9:15 am
    Over 18 million home based businesses exist in America today.Home-based businesses have gained respectability in the economic arena as their numbers have grown. The Bureau of Labor estimates that 18.3 million home-based businesses now exist in the country and some other sources say that number is too low, that there probably are closer to 38 million such businesses. Maintain A Healthy Balance That means a lot of people are balancing the competing demands of their work and their households, where children and other necessities make their presence felt. It’s the epitome in convenience coupled…
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    FiGuide - A Retirement Plan That Works!

  • Key Investment Insights: The Benefits of Diversification

    Roger Streit, CFP®
    17 Aug 2014 | 4:04 pm
    Welcome to the next installment in our series of Key Investment Insights: The Benefits of Diversification. In our last post, “The Myth of the Financial Guru,” we concluded with our explanation of the formidable odds you would face if you tried to outsmart the market’s lightning-fast price-setting efficiencies. Today, we turn our attention to the many ways you can harness these and other efficiencies to work for, rather than against, you. Among your most important financial friends is diversification, arguably your “best” friend. After all, there is no other single action that you…
  • Fear and Greed

    Troy Von Haefen, CFP®
    14 Aug 2014 | 9:47 am
    There are two emotions that can derail an investment plan faster than a Nolan Ryan fastball: fear and greed. Fear and greed tend to push investors in the wrong direction at the wrong time.  Let’s take a look at these two emotions and how they can impact your portfolio. Fear Fear is a great motivator, and it’s easy to find common examples today as it relates to investing.  Simply turn on your TV and wait for the next commercial pushing gold and silver as a safe haven against the next great downturn. Often a retired actor states that he will only trust his hard earned assets to gold. …
  • Estate Planning Lessons from Celebrity Deaths

    Roger Wohlner, CFP®
    14 Aug 2014 | 9:40 am
    Sadly the world lost two well-loved celebrities this week:  comic and actor Robin Williams and actress Lauren Bacall.  I’ve already seen a few articles discussing Williams’ financial situation and praising him for trusts he had established for his three children. In recent years the estate planning moves of actors Phillip Seymour Hoffman and James Gandolfini and others have also made the news for some of the things they did and didn’t do and in some cases the resulting extra costs incurred by their heirs.  While some might say these types of articles are an invasion of their privacy,…
  • Windfall Elimination Provision May Impact Spousal Benefits but not Survivor Benefits

    Jim Blankenship
    13 Aug 2014 | 5:27 am
    When your Social Security retirement benefit is subject to the Windfall Elimination Provision (WEP), you’re likely painfully aware of the reduction to your own benefit by this provision. What you may not be aware of is that the effect goes beyond your own benefit – your spouse’s and other dependents’ benefits are also impacted by this provision. However, the impact of WEP does not continue after your death.  Spousal Benefit impacted by WEP The Windfall Elimination Provision results in a recalculation of the Primary Insurance Amount, or PIA, of the individual who is receiving a…
  • Key Investment Insights: The Myth of the Financial Guru

    Roger Streit, CFP®
    11 Aug 2014 | 1:05 pm
    Welcome to the next installment in our series of Key Investment Insights: The Myth of the Financial Guru. In our last post, “News and Market Prices,” we explored how price-setting occurs in capital markets, and why investors should avoid reacting to breaking news. It’s clear that the cost and competition hurdles are simply just too high. Today, we will explain why you’d be ill-advised to seek out a pinch-hitting expert, the so-called “financial guru,” to compete for you. As Morningstar strategist Samuel Lee has said, managers who have persistently outperformed their benchmarks are…
 
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    Budgets Are Sexy

  • How To Stream Media/Internet To Your TV – For Free! [Plus: Chromecast Giveaway]

    J. Money
    29 Aug 2014 | 2:02 am
    [This is part 2 of our 3-part series on how to save money with your cable, phone, and internet bills (while also FAILING at the same time). You can find part #1 here.] We’re back! Last article we went over how to get home phone service for practically free by using Ooma, and this time around we’re tackling the heated Cable/TV part of the telecom trifecta. And just like with our home phone line, I unfortunately screwed myself multiple ways in this department too – one of which out of frugality itself! (See that big honkin’ TV up there? That’s ours. It’s…
  • How To Get [Basically] FREE Home Phone Service!

    J. Money
    27 Aug 2014 | 2:02 am
    [This is post #1 in a 3-part series on how to save money with your cable, phone, and internet bills. And also how to FAIL at it the same time.] This post is going to be bitter sweet. On one hand I found a KILLER way to save some dough on our home phone line and am super excited about it (it’s basically FREE now for us!!), but on the other hand I might have just screwed myself and potentially paying more. (Wait, didn’t he just say this trick SAVES you tons of money? How could you pay more when you’re actually saving? Ugh… read on…) The Challenge Everything mission…
  • Ask J. Money Anything Day!

    J. Money
    25 Aug 2014 | 2:02 am
    Did you wake up this morning wondering to yourself, “Gee, I sure wish my favorite blogger EVER would let me ask him a question today! I’ve never been able to reach him via email or twitter or facebook or linkedin or pinterest or even through his newsletter – when will he finally let us chat with him??” If so, today’s your lucky day :) For the next 24 hours I’ll be doing Round II of the popular “Ask J$ Anything Day” as we last did, *ahem*, three years ago. It’s your chance to ask me anything you’ve ever wanted to but been too…
  • How to Score a Kick-Ass [Cheap] Wardrobe

    J. Money
    22 Aug 2014 | 2:02 am
    Okay, so wow. I have a new store crush: Plato’s Closet I’m not sure if you’ve ever heard of them before (their site claims they’re “the fastest growing retail franchise in North America” so people seem to love them!) but regardless I hit one up for the first time in 10 years and damn was I pleasantly surprised. High quality clothes for a fraction of the price!! For both men and women too. I highly advise you checking them out, or a similar store like it. It’s like combining the best parts of yard sales, thrift stores, and fashion all in one,…
  • 12 Month Goals and Workaholism (word?)

    J. Money
    20 Aug 2014 | 2:06 am
    Back from the beach and ready to party hearty! I mean, talk about money… :) It was a long and interesting vacation (the wife got incredibly sick and literally stayed in bed for 4 days, while baby nickel woke up every 2 hrs at night), but overall there was plenty of beach and pool time to be had, and by the end of it everyone was happy and healthy. We even got to check out a new brewery! Westbrook, which fellow blogger Joel recommended – it was awesome (and we got to take a tour while there too!). Here’s what I sampled below: While away a few articles here on Budgets Are Sexy…
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    Smart On Money

  • 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…
  • 3 Tips for Keeping Your Summer Budget Under Control

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

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

  • Save Money On Your Cellphone Bill

    Kevin
    27 Aug 2014 | 9:52 pm
    Sometimes all you have to do for a deal is ask. But a lot of companies are cutting back on deals and sprint is no exception. I called them up several different times a just asked “Is there any deal I can get on my plan” and they always told me no. So what I did is look around the net for any site that could get me a percentage of my bill cut off. I then stumbled onto Student Rate. They can get you a bunch of discounts at different places. For instance, with sprint it will give you 15% off your monthly bill, for AT&T and T-mobile it’s 10%. They have many other discounts…
  • Saving Money on the Road

    Kevin
    25 Aug 2014 | 9:30 pm
    With how often we think about our financial investments and bottom line, it’s easy to forget about the investment we must make in our mental health. Nothing could be more important to the future of your life than acknowledging the role our emotional and psychological well-being plays in our decision-making process.  You may spend 60-70 hours a week hooked up to computers, constantly checking your cell phone, trading stock quotes, reviewing Cavalry Portfolio Services, and noodling around with your companies dividends—still, the deals you make in one day pale in comparison to the…
  • How To Create A Binary Options Trading Strategies To Profit From Simple Market Trends

    Kevin
    23 Aug 2014 | 9:11 pm
    If you have spent any time reading about financial trading then you will no doubt have come across references to the trend. The trend is the directional basis in which financial markets move and is considered to be one of the most important factors when identifying future market moves. Analysis of the trend is used by all styles of traders.  It can however prove particularly powerful when combined with binary options trading methods. The ability to identify whether a market will move higher or lower when combined with the Call and Put digital contracts available in the world of digital…
  • Advice on Secured Loans

    Kevin
    21 Aug 2014 | 8:55 pm
    When you are searching for options to fund a new purchase, you have to make a choice between unsecured and secured loans. There are advantages to each of these, and it ultimately depends on the financial condition of the borrower, as to which alternative becomes preferable.  Unsecured Loans versus Secured loans Unsecured loans are a recent innovation in finance, unlike secured loans which have been around for centuries. Even in the older days, people used to borrow money after keeping their land as security. This was the way most farmers were able to get money to finance buying of seeds and…
 
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    Couple Money

  • Know How Deep Your Debt Is

    Elle Martinez
    25 Aug 2014 | 7:53 am
    As promised, to help couples get out of debt faster I’m creating a new series that will take you step by step through the process. Over the years, between our personal experience with paying off the car loan and discussing with other couples about becoming debt free, I’ve found that there is an effective way for the two of you to reach your goals. It comes down to: Know How Deep Your Debt Is Review Debt Methods as a Couple Choose the Method that is Easiest to Keep Build Up Your Debt Payments Make It Automatic Today I’ll talk about how you can run the numbers on your debt. …
  • Reach Financial Independence on Your Terms

    Elle Martinez
    23 Aug 2014 | 4:00 am
    As a member of the personal finance community, I’m amazed at how many people are a part of it. Unfortunately that often means that I can’t always keep up with everyone. It’s a shame because there are some wonderful bloggers with their stories and advice on handling finances responsibly and with fun. To counteract that and get the word out on other sites, I’m interviewing bloggers in the community. Pauline from Reach Financial Independence is the star this week.  What inspired you to start Reach Financial Independence? I had been writing for several travel blogs for years, and…
  • The Couple Money Guide to Starting Your Emergency Fund

    Elle Martinez
    18 Aug 2014 | 12:32 pm
    There are plenty of Americans who don’t have any savings (one estimate puts it around 26%). That’s a scary situation to be in, even with dual income couples and families. What if you get laid off from your job (or if they reduce your pay/hours)? What if someone gets injured? A car repair can sometimes be a big wallop too. If you two don’t have an emergency fund and you want to get started, I am going to show you step by step how to build an emergency fund that fits your family.  Two heads are better than one and couples have the ability to pool their resources to achieve…
  • Paying Off Almost $100k in Debt as a Family

    Elle Martinez
    16 Aug 2014 | 10:40 am
    As a member of the personal finance community, I’m amazed at how many people are a part of it. Unfortunately that often means that I can’t always keep up with everyone. It’s a shame because there are some wonderful bloggers with their stories and advice on handling finances responsibly and with fun. To counteract that and get the word out on other bloggers, I’m interviewing bloggers in the community. This week Brian from Debt Discipline is answering my questions. I hope you check him and his site out.  What inspired you to start Debt Discipline? After hitting rock bottom in…
  • Simple Loan Tips When You’re Having a Budget Gap

    guest poster
    12 Aug 2014 | 4:27 am
    There are plenty of companies offering loans and credit but it’s important for anyone looking to cover a shortfall to make sure they chose a lender carefully. According to a new infographic from MYJAR, a million Brits are turning to payday loans to cover basic monthly household bills.    MYJAR is a responsible lender who will only lend you money if you have a predictable and regular source of income, and of course they will never encourage you to borrow more than you can afford to repay.  Advice on Finding a Lender Although some people find it easy to deal with budgets and deal…
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    Beating Broke

  • 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 Up Your Household Energy Savings

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

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

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

  • What’s Missing in Your Sales Leadership?

    Rick Swygman
    18 Aug 2014 | 10:28 am
    One of the most overlooked and unaddressed issues in the financial services industry – most notably in banking – is around sales leadership and coaching. It is, therefore, one of the biggest opportunities for firms to realize breakout growth. In our work throughout the financial services industry, we consistently hear executive leaders talk about the need to strengthen their sales leadership, while very few actually commit the time and resources needed to do so. (A recent study showed that only 11% of organizations provide training for their sales managers!) And when they actually do…
  • 3 Common Client Experience Mistakes Made by Financial Institutions

    David Greene
    12 Jun 2014 | 12:17 pm
    Delivering a great client-centric experience will increase the number of referrals that you get, expand your current client relationships, and increase client retention. To learn about a few best practices for leading a distinguished, client experience, watch the video below. 3 Common Client Experience Mistakes Made by Financial Institutions 1.    Focusing on a client tiering approach 2.    Overlooking the importance of the sales experience 3.    Not having a formal service recovery process
  • 2 Major Flaws in the Wealth Management Sales Process

    David Greene
    10 May 2014 | 7:23 pm
    The purpose of a sales process is to provide clarity around an organization’s sales approach by mapping each aspect into a defined sequence that is easily followed and replicated. The presumption is that this level of definition and documentation will drive consistent sales force execution, leading to better sales results, more effective pipeline management, and more accurate and predictable sales forecasting. At Greene Consulting, we work with financial services firms to develop sales processes, the training strategy and delivery to support effective introduction, adoption, and execution…
  • 3 Key Strategies to Delivering a Successful Retail Banking Customer Experience

    Becky Young
    9 May 2014 | 1:54 pm
    While defining a customer experience in Retail Banking may be easy, the challenge comes in the consistent execution and delivery by the front-line bankers. We have worked with many organizations on their strategy, and have identified three key strategic elements to help your bankers deliver a successful customer experience – in each and every interaction.
  • So What is a Competency?

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

  • Playing Devils Advocate: 10 Reasons Why Renting Is Best

    Edwin C
    12 Aug 2014 | 12:09 am
    Americans have always been told that homeownership is part of the American dream and that renting makes you a second-class citizen. Until recently, many people fell for that fallacy, struggling to find and afford a place to house their families. However, times are changing and more people are taking a rent-friendly attitude than ever before. Don’t think renting is a good idea? Maybe I’ll change your mind with these 10 reasons why renting is best. Utility Bills Will Cost Less Sure you’ll need to pay for electricity and some other utilities when you rent, but you’ll pay…
  • Turning The Tables On The Credit Card Companies

    Edwin C
    4 Aug 2014 | 2:19 pm
    Credit cards get a bad rap. After all, they can cause everything from bad credit scores to bankruptcy. According to the latest data the average household carries over $15,000 in credit card debt. With the average interest rate of credit cards being 13%, that’s a lot of money being spent on interest charges. But when utilized effectively, credit cards can be used to your advantage. To take advantage of credit cards, you’ll need two things, a rewards credit card and a lot of self control. Here’s how I effectively use my credit cards. I Take Advantage Of Them Credit cards…
  • Top Personal Finance Posts From July ’14

    Edwin C
    4 Aug 2014 | 12:07 am
    Here were my favorite blog posts from the personal finance blogosphere for July. Check them out! Saving How A Smartphone Can Make You A Savvy Consumer by The Write Budget Fun (Cheap) Things To Do In NYC by Blonde And Balanced Building An Emergency Isn’t As Annoying As You Think by Frugal Confessions How Budget Leaks Cause Financial Havoc by Frugal Rules How To Find Online Freebies And Contests by All The Frugal Ladies Emergency Fund – The Healthy Kind by Even Steven Money Spending How To Get A Grip On Your Emotional Spending by Color Me Frugal Quality Or Budget: My New…
  • 7 Super Simple Ways To Build Your Credit

    Edwin C
    31 Jul 2014 | 11:50 am
    Unfortunately, credit is something that you just can’t live without these days. If you want to buy a house, for example, unless you’re Warren Buffet you’ll need to have a solid credit profile. If you’re young and want to get a loan for a car, you can’t do it unless you already have a credit history. If you don’t have credit and are applying for your first job after college or getting your first apartment, again you’re going to need some credit history. However, in order to build credit, you need to have credit in the first place. It’s a catch-22…
  • 6 Purchases That Pay For Themselves

    Edwin C
    25 Jul 2014 | 11:35 pm
    You always hear about the pitfalls of shopping. But sometimes some purchases can actually help save you money in the long run. Here are 6 purchases that can help save you hundreds or even thousands of dollars every year. TV Streaming Device With cable bills creeping up to $100 per month, now is a great time to quit your cable television service. You won’t have to give up all of your favorite shows though. You can purchase a TV streaming device like an Apple TV or a Roku to stream content. With Hulu Plus and Netflix going for less than 10 bucks a month, you can keep up to date on the…
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    Savvy Saving Bytes

  • Why Are Debt Collectors Chasing 1 in 3 Americans?

    SSB
    7 Aug 2014 | 4:13 pm
    That’s right. According to CNN Money, an Urban Institute study estimated 77 million Americans with credit histories — or one in every three — has debt collectors on their tail. Taking into account non-mortgage debt, including credit card and utility bills, car loans, medical expenses and child support payments, the average amount of debt in collections  […]
  • Savvy Buyers Scorn Big Brands for Generics

    SSB
    27 Jul 2014 | 11:56 am
    Why do people willingly pay more for national brands when they could save a bundle buying cheaper generics products instead? Simple.  A long-term study reported by Bloomberg shows that the more you know — the better informed you are — the more likely you’ll select less expensive generic products over more expensive big brands. Take aspirin, for […]
  • Kicking Budworms Off My Deck

    SSB
    27 May 2014 | 10:14 am
    After too many years of fighting budworms that destroyed my terrace flowers every summer, I finally said: “No more! Enough.”  I was through with spending money to feed legions of voracious caterpillars whose only aim in life was to transform my beautiful flowers into skeletal sticks sticking out of my flower pots. For the first […]
  • Are Your Kids Eating Foods Loaded with Dyes?

    SSB
    20 May 2014 | 9:08 am
    Up until recently consumers didn’t know precisely the amount of artificial dyes used in specific foods. No More. Thanks to a study conducted by Purdue University, published in the journal Clinical Pediatrics, everyone can now see the exact dye amounts in packaged foods consumed by children including breakfast cereals, candies, baked goods and beverages. The […]
  • You’re Considering Buying Food from China?

    SSB
    30 Apr 2014 | 8:07 am
    If you’re thinking of saving some bucks and picking up some canned food grown in China, consider this startling piece of news. In a report, earlier labeled a “state secret”, the Chinese government recently announced that 20% of the country’s farmland is heavily polluted. As in loaded with cadmium, nickel and arsenic. Additionally, thanks to […]
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    Owning Gold » Blog

  • When evaluating gold, forget the markets and look to the Central Banks.

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

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

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

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

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

  • Highest American Express Membership Rewards points earn rate credit card

    Jeremy Cabral
    29 Aug 2014 | 12:54 am
    The market for reward credit cards is always changing, so you need to be able to get maximum value from your spending by choosing a card with a membership program with high rewards. The ideal reward membership program for you to join will be determined by your spending patterns and what your needs are i.e. frequent flying, hotel accommodations, shopping at stores. Our guide will provide valuable insight on how credit cards with membership programs work and how you can find a card that suits your spending habits while giving you maximum points each time you spend. The post Highest American…
  • Credit cards with travel cancellation insurance

    Jeremy Cabral
    29 Aug 2014 | 12:31 am
    Credit cards providing travel cancellation cover are a great option for frequent flyers or for those who take elaborately-planned vacations and want the extra reassurance that already paid for travel expenses will be reimbursed in case of a cancellation. The post Credit cards with travel cancellation insurance appeared first on Compare Australian Credit Cards and Offers.
  • HSU Members Credit Union Classic Solutions Visa Credit Card – Rates & Fees

    Shirley Liu
    28 Aug 2014 | 9:19 pm
    The HSU Members Credit Union Classic Solutions Visa credit card offers a competitive interest rate and up to 45 interest-free days on purchases. You can use it for balance transfers and you can also earn reward dollars. The post HSU Members Credit Union Classic Solutions Visa Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • Bankwest Executive MasterCard Credit Card – Rates & Fees

    Isaiah James Peralta
    25 Aug 2014 | 12:19 am
    Finding ways to manage expenses in a medium to large business can be challenging. With the Bankwest Executive MasterCard it’s possible to streamline these tasks and limit the spending of your employees, and even earn rewards for spending. The post Bankwest Executive MasterCard Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • Travelscene American Express Australia

    Jeremy Cabral
    12 Aug 2014 | 1:05 am
    Travelscene American Express is one of the largest travel agent networks in Australia, providing you with premium travel experiences and high-quality booking services. The post Travelscene American Express Australia appeared first on Compare Australian Credit Cards and Offers.
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    Good Financial Cents

  • 16 Reasons That Your Budget Sucks

    Jeff Rose
    27 Aug 2014 | 8:39 am
    If you’ve ever started a budget, you’ve most likely started with good intentions. Sometimes your budget gets the job done, but other times, it’s a serious crash and burn that can leave you in worse shape than when you started. Every time I’ve tried to budget in the past, I would always start with a pad and paper. Unfortunately, by the time I got done trying to do my budget the sheet a paper looked more like a hardcore tournament of tic-tac-toe just took place. Why? Because I HATE budgeting and even though I suck at tic-tac-toe it’s a whole lot more fun than…
  • GF¢ 036: Dropping Some Beats with Matt and Andrew of ListenMoneyMatters.com

    Jeff Rose
    25 Aug 2014 | 1:49 pm
    Personal finance people love crunching numbers but that doesn’t mean that we’re all geeks. I mean…look at me. Do you think I’m a geek? Matt and Andrew of ListenMoneyMatters.com have a Top 20 podcast currently in iTunes and I love what these guys are doing. They are also a prime example of how you can love personal finance and not be a total geek. Well, the jury is still out on Matt for that one.   Haha….. (Love you Matt!) Not only are they putting out great content on their podcast and blog, but they also produced this amazing personal finance rap video: The…
  • 15 Business Lessons From Warren Buffet

    Jeff Rose
    17 Aug 2014 | 6:21 pm
    There are people in the world who are best known for being famous for being famous Think Kim Kardashian and Paris Hilton. Warren Buffett is not in this crowd (thank goodness!). He is widely considered to be the most successful investor of all time. He is one of the very wealthiest people in the world – often THE wealthiest, depending on stock market valuations. He has gotten to where he is by being a brilliant and insightful investor. Like me, he wasn’t born into money, and he didn’t sign a fat contract for a book, a movie, a TV show or a record deal.  (Note:  I did sign a contract…
  • 4 Ways to Save For Your Kids’ College Education (including what I chose)

    Jeff Rose
    15 Aug 2014 | 1:06 pm
    One day all my 3 boys are probably going to be attending college. You know what that means: $Cha-Ching. My wife and I already decided that we don’t plan to pay 100% of their tuition, but we will try to help them out so as long as they are working towards getting a degree. A recent study by Fidelity reveals that other parents have similar aspirations in that parents plan to pay 62% of their child’s college costs but they’re only on track to pay 1/3 of that cost. Knowing that college isn’t getting any cheaper, we started saving for our first son basically after he was…
  • GF¢ 035: How to Invest a Million Dollars (without blowing it like a rockstar)

    Jeff Rose
    13 Aug 2014 | 6:44 am
    They say you have a 1 in 10,000,000 chance of winning the lottery. Well, today is my lucky day, because I just won – yeah baby!! Okay….maybe I didn’t actually win. We’re just going to pretend I did for the sake of this post.  I once had a client ask me, “Jeff, if you had a million dollars, how would you invest it?” I’m not one who is usually into playing these games of pretend. Sure, as a kid, I loved to pretend that I was He-Man and that the big cardboard box in our basement was Castle Grayskull.  “I have the power!”  <<<He-man quote. …
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    One Family's Blog

  • Tracking John Armitage's Egerton Capital Holdings - Q2 2014 Update

    ks
    13 Aug 2014 | 1:32 am
    Below is a spreadsheet that highlights the changes to John Armitage's Egerton Capital US long stock portfolio as of Q2 2014. Please check out our previous update to have an idea on how the portfolio is progressing: To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy.  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Leucadia National Portfolio - Q2 2014 Update

    ks
    13 Aug 2014 | 1:24 am
    The spreadsheet below show Leucadia's US stock holdings as of Q1 2014. Please visit our previous updates to get an idea on how the portfolio has progressed: To learn more about their investing style and philosophy and how to profit from such strategies, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy .  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Charlie Munger's Daily Journal Portfolio - Q2 2014 Update

    ks
    11 Aug 2014 | 8:26 pm
    The spreadsheet below show Charlie Munger's Daily Journal US stock holdings as of Q2 2014. Please visit our previous updates to get an idea on how the portfolio has progressed: To know more about Charlie Munger, check out the book Poor Charlie's Almanack: The Wit and Wisdom of Charles T. Munger. To learn more about how to profit from a strategy of cloning hedge fund picks, check out our [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Thyra Zerhusen's Fairpointe Portfolio - Q2 2014 Update

    ks
    11 Aug 2014 | 2:55 am
    Below is a spreadsheet that highlights the changes to Thyra Zerhusen's Fairpointe Portfolio US long stock portfolio as of Q2 2014. Please check out our previous update to have an idea on how the portfolio is progressing:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking David Swensen's Yale Endowment Holdings - Q2 2014 Update

    ks
    11 Aug 2014 | 1:43 am
    Below is a spreadsheet that shows the changes to Yale Endowment's US long portfolio holdings as of Q2 2014. To have an idea of how the endowment's holdings have progressed click on our previous update: To learn more about their investing style and philosophy and how to profit from such strategies, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy .  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
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    Cash The Checks

  • 7 Ways To Save On Back To School Shopping

    Edwin C.
    27 Aug 2014 | 8:17 pm
    For most parents, back to school time is a wonderful time of year. The kids are out of the house learning and you’ve got some more time to get things done. However, along with the freedom that comes from sending the kids back into the classrooms comes the burden of purchasing school supplies and back to school clothes. Kids tend to grow a lot over the summer and everyone likes to start the school year with new clothes which makes back to school expensive. Read on to discover 7 ways you can save money on your back to school shopping. Sell Their Old Clothes To make money for their new…
  • 3 Types Of Insurance You Might Not Need

    Edwin C.
    17 Aug 2014 | 12:57 am
    You know it’s important to have a big emergency fund, but with all of the different insurance policies available, you may not know why you need it. While it’s always nice to have cash on hand if you’re faced with a crisis, having an emergency fund can actually give you the freedom to cancel some insurance policies and add the monthly premium to your emergency fund. The reason you can cancel some policies is because if you have enough money saved up, you can handle the cost that the insurance company would normally cover. That gives you the freedom to get rid of the expensive insurance…
  • 5 Ways To Save On Prescription Costs

    Edwin C.
    6 Aug 2014 | 2:19 pm
    With changes to the healthcare laws and the implementation of the Affordable Care Act, many people are finding their prescription drug coverage being slashed in half. Like every other household cost such as food and clothing, most people don’t have an unlimited budget for prescription drugs. Elderly people and those on a fixed income including families with young children often find themselves choosing between their prescriptions and putting food on the table. Instead of sacrificing to afford your prescriptions or going without the medications you need, use these 5 tips to save on your…
  • 8 Of The Best Mobile Coupon Apps

    Edwin C.
    5 Aug 2014 | 8:28 pm
    You already know that couponing can save you a lot of money. But you just don’t have the time or energy to hunt out the best coupon, clip them and fumble through the checkout lines at the grocery store. If that sounds like you, a mobile coupon app can help you get the savings you want with far less effort than traditional methods of hunting, clipping and saving coupons. Read on to learn about 8 of the best mobile coupon apps for your smartphone. SnipSnap SnipSnap operates like a coupon binder. It allows you to search stores for coupons and then download them to the app where you can access…
  • CashTheChecks.com Stats Report For July 2014

    Edwin C.
    5 Aug 2014 | 1:55 am
    In order to keep me motivated I’ve decided to start keeping track of the progress of my blog. I’ve been blogging for about 10 years and this site has seen its ups and downs. It’s gone through periods of neglect and a had a resurgence or two. Hopefully jotting down my stats can motivate me to keep working on this blog. This past month these were the top 3 articles: 5 Tips For Improving Your Productivity Working At Home 7 Things You Should Buy In Bulk How To Save Cash By Getting Rid Of Old Tech My top three referrers were: wisebread.com twitter.com feedly.com Now on to the…
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    Appraisal Archive - Online Antique Appraisals

  • Appraisal of Vintage John Deere Vintage Banner

    walt kolenda
    19 Aug 2014 | 12:43 pm
    I am trying to find out what this vinyl banner is worth.  It is brand new out of the box and the box was postmarked 1960 or 1961. PERFECT CONDITIONJOHN DEERE presents the New Generation of Power 1010, 2010, 3010 & 4010 series 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…
  • Appraisal for Lovely Crystal Chandelier w 6 Metal Arms

    walt kolenda
    18 Aug 2014 | 5:08 am
    Elle asks:We inherited this chandelier with our house.  The previous owner had great (expensive) taste, i.e. 100% wool carpets, so hoping it might be worth something.  I'm trying to sell ASAP to help pay for a surprise garage remodel for my hubby.  Thank you! Elle  Mid to late 20th century chandelier AW says: Your husband is a luck man to have such a thoughtful wife! That's a beautiful 20th century, contemporary chandelier. It has metal arms that appear to be of brush nickel, brush pewter.In your email you mentioned that it was a "custom" chandelier and that is the…
  • Appraisal for Exquisite Glass & Crystal Chandelier

    walt kolenda
    17 Aug 2014 | 9:40 am
    Kellie asks:How much is my chandelier worth? It is not an antique. Thanks AW says: This is one of the most detailed and exquisite chandeliers I've ever seen! Wow. It's absolutely amazing and I'm sure it must reflect the light around the room like a diamond. You mentioned that it's not an antique, but it would be very helpful if you knew the manufacturer. For example, if it were a Waterford piece, that would certainly affect the value and salability. Since we don't know and it's virtually impossible to tell without knowing if the item is marked with a maker's mark or has solid…
  • What's it worth? Appraisal of French Armoire

    walt kolenda
    20 Jun 2014 | 9:08 pm
    French Armoire Circa 1920s French Armoire with Doors Open Roberto asks:Please tell me about my armoire AW says: That's a turn of the 20th century piece. 1910s-20s.  It looks to be made of Cherry wood. It's of very good quality. We know this by several clues including the beveled mirror on the door, and the brackets that hold the inner shelves. It has kind of an art nouveau style to it and was most likely made in Europe, probably France. Retail value: $525-$575Wholesale value: $250-$300KeywordsArt nouveauarmoireclothes closet
  • What's it worth? Appraisal for Jade and 18kt Pendant

    walt kolenda
    3 Jun 2014 | 2:18 pm
    Stephanie says,Hi, can tell me how much my jade pendant is worth. It is 2 iches long and 8 to 9 mm wide. Thank you for your time. the bail says 18k. AW says: The 18kt mark on the bail tells us that it's circa late 20th century to present day,  It is likely made for the Western market. It's charming and jade is in vogue right now. One interesting thing to see will be whether or not jade picks up the slack in the ivory market, which is virtually crippled with strict new regulations. The collector and investor appeal has parallels.Retail value: $250-$300Wholesale:…
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    Financial Highway

  • 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…
  • 5 Current Financial Decisions that can Ruin Your Retirement Future

    Miranda
    13 Aug 2014 | 4:00 am
    As humans, we sometimes have a hard time looking to the future and preparing for what could happen. The result is that, all too often, the things we do now negatively impact the future. This is true of financial decisions as well as other choices we make. For many of us, a comfortable retirement is the financial end goal. However, the things you do right now might be keeping you from that goal. Here are 5 financial decisions that could be undermining your retirement future: 1. Putting Others First Our society puts value on selflessness, but it’s not always a good thing — at least…
  • 5 Ways Poor Credit Can Cost You

    Miranda
    6 Aug 2014 | 4:00 am
    Your credit is one of the most important aspects of your finances. Your credit situation can mean savings — or costs. In fact, poor credit can cost you significantly. And the costs aren’t always in terms of money. While the most obvious costs of poor credit are financial, you also have to watch out for some of the other costs of bad credit. Here are 5 ways that poor credit can cost you, financially and in other ways: 1. Pay More In Interest Anytime you borrow money, you are required to pay interest. When someone lends you money, the goal is to earn, and that means that they charge…
  • Seven Simple Solutions for the Lazy Gourmet

    Myscha Theriault
    5 Aug 2014 | 4:00 am
    Love to cook? Looking to take your gourmet kitchen to the next level affordably? Here are six simple solutions for lazy gourmet cooks. Deglazing Don’t feel like scrubbing the sauté pan after cooking those chicken breasts? Take advantage of the flavor opportunity by adding some butter, lemon juice or white wine and a tad of corn starch and water whisked together. Include a few secret ingredients, and use a flat edged spoon or spatula to loosen the crunchy bits while the sauce starts bubbling and thickening over the heat. Presto, a restaurant quality sauce without dirtying any extra…
  • Is It Too Late to Get Heath Insurance if My Wife is Pregnant?

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

  • Can You Use the GI Bill to Pay Off Student Debt?

    Gerri Detweiler
    28 Aug 2014 | 9:01 pm
    Johnnie, a veteran, has $12,000 in student loan debt he is struggling to repay. He wrote to us recently, wondering if there is a way to tap his GI Bill benefits to help pay off that debt: I enlisted in the Marine Corps in May of 2002, ended enlisted service in December of 2008 (technically checked out of my unit in January of 2009), and received my Honorable Discharge and completed my DOD contract in May of 2010. I never utilized my Montgomery GI Bill benefits, but not due to not trying. I got the run around every time I requested information or made appointments to speak with Veterans…
  • Should You Get a Prenup?

    AJ Smith
    28 Aug 2014 | 9:01 pm
    Getting married is usually surrounded by romance and excitement, but becoming a married couple typically entails some lifestyle changes. It can be overwhelming to focus on the big day itself, but it’s also important to think about what happens after the wedding. Talking about your finances before walking down the aisle can help you make them a priority as a couple. Too often finances can be an uncomfortable topic for couples. Not all marriages last a lifetime but some people feel discussing an end to marriage before it begins is a bad sign. Others believe thinking about it can save…
  • Is Student Debt Really Hurting the Housing Market?

    Christine DiGangi
    28 Aug 2014 | 9:01 pm
    Young Americans with student loan debt have to earn 34% more, or an extra $8,969 a year, than their peers without education debt in order to buy a median-priced home, a new analysis from RealtyTrac finds. That may seem upsetting to debtors at first glance, but when you think about it, the figure makes a lot of sense: When applying for a mortgage, you have to exhibit an ability to repay the loan, and if a portion of your income is going toward other debt obligations, you’ll need to make up the difference with more income to reach an acceptable debt-to-income ratio. Of course, when…
  • How Buying Gas Could Cost You Your Identity

    Christine DiGangi
    28 Aug 2014 | 9:01 pm
    Labor Day weekend presents a welcome opportunity to get out of town, spend a few days with friends and family and look forward to a shortened work week, but consumers aren’t the only ones excited about the holiday. Nearly 35 million Americans are expected to travel more than 50 miles from home this Labor Day weekend, the AAA travel forecast says, and about 29.7 million will do so in their cars. That means they’ll need to fuel up, and gas stations are a favorite target of credit card thieves. Credit card skimming has been around for years, but people still forget (or don’t…
  • I Got a Credit Card Offer in the Mail. Now What?

    Jason Steele
    28 Aug 2014 | 9:01 pm
    Perhaps you just received a credit card offer in the mail, or were handed one in the airport, or at the cash register in your favorite store. So now that you have this offer, what should you do with it? You may not come by credit card offers every day, but there is no shortage of them. The credit card industry is extremely competitive, and customers with good or excellent credit are in the driver’s seat when it comes choosing a new card offer. (You can see your credit data, including two scores, for free on Credit.com.) So take the offer you have, and do some basic research to find…
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    StepChange MoneyAware

  • Breathe new life into your tech – revive your old mobile

    Rory
    21 Aug 2014 | 2:44 am
    The 4S is strong with this one, Luke Phones are constantly being upgraded these days. The relentless battle to keep up-to-date means that often your old mobiles end up in the ‘tech junkyard’ that is your bedroom drawer. If you’re feeling brave enough to dig around then we’ve got some handy ideas for breathing life into your old mobiles and saving you a few bob at the same time. 1. Music player Re-using your old smartphone as a dedicated music player for your car is a perfect way to keep you entertained on your daily commute. Clear off the old apps and you should have enough space for…
  • Thrifty birthday gift ideas

    James
    21 Aug 2014 | 2:32 am
    Oh you shouldn’t have… Birthdays should be a time of fun and happiness but if you’re short of cash then finding money for birthday gifts can be a major cause of stress. Don’t fear though, with a bit of thought and creativity you can avoid shelling out your money and give a birthday gift that the recipient will love. Most people will agree that the presents they really remember are the ones that took effort rather than ones that were pulled off the shelf in a shop and hurriedly shoved in a gift bag. So giving a gift that’s low on cost but high on thought is more likely to be…
  • Skint Dad’s top 10 back to school tips

    Skint Dad
    21 Aug 2014 | 1:00 am
    Our pal Ricky Willis A.K.A. Skint Dad has written a great guide to getting full marks on all the back to school essentials – over to you, Ricky! Are you ready for the back to school rush? With September and ‘back to school’ rearing its head, my mind begins to wander towards autumn mornings, wet leaves lining the roads, and hauling myself out of bed while wishing the alarm would just leave me be!  Every year, without fail, the start of the school term manages to sneak up on me. Even though I knew it was coming, it always feels light years away when you’re in the throes of…
  • How I supported my partner through redundancy

    Charlotte Bjorndal
    20 Aug 2014 | 4:08 am
    You can get through this by working together Redundancy is far from a pleasant thing to deal with. That’s why it’s important that a person going through redundancy gets the support they need from their partner – emotionally as well as financially. How do I know this? Because in 2012, out of the blue, it happened to us. I remember my husband telling me he’d been made redundant like it was yesterday. He looked so worried, so uncertain of what lay ahead. We hadn’t had any major money worries since we were students, and now it would be up to me to keep us trucking along until he found…
  • Payday loan problems? Watch the latest video from the Ombudsman

    James
    19 Aug 2014 | 8:41 am
    Payday loans often add to your worries Taking out a payday loan to deal with a money problem can be tempting but we know that it can lead to a slippery slope of debt and stress. That’s why it’s great to see the Financial Ombudsman Service’s new video, aiming to highlight the dangers of taking out a payday loan. As the video says, payday loan might give you short term relief but often only postpones the problem and the loan becomes an extra thing to worry about. We talk to people who’ve fallen victim to this all too often. Watch the Financial Ombudsman’s video How can the Financial…
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    Free Money Wisdom

  • 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…
  • How To Stick To Your Budget (infographic)

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

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

    Site Manager
    2 Jul 2014 | 1:15 pm
    Your credit score is one of the most important numbers in your life. It determines your buying potential when it comes to getting credit and getting approved for loans.  To check out your credit score and find out where you rank, use Credit Sesame for FREE! The better the score the better the interest rates on the loans. The information that’s on your credit report directly affects your credit score, so the only way to improve your score is to improve that report. Unfortunately, many people find that they have less than perfect credit. This could be due to bad decisions or happenstances…
 
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    Help Me To Save

  • Free Doors Open Days in Scotland during September 2014

    Karen Bryan
    28 Aug 2014 | 11:43 pm
    During every weekend in September there are free Doors Open Days in various regions in Scotland. Many of the venues aren’t always open to the public, so it’s a great opportunity to do something different. I’d advise you to spend some time organising your day out as some venues are only open on one of […]Free Doors Open Days in Scotland during September 2014How to save money. Copyrighted content published on Help Me To Save.
  • Review of Paragon Bank 120 Day Notice Account

    Karen Bryan
    27 Aug 2014 | 11:41 pm
    Notice savings accounts are a half-way houses between instant access and fixed rate savings accounts. A notice account usually offers a higher rate of interest than an instant access account in exchange for a notice period to withdraw cash.  I think this can be a good product if you don’t want to tie up your […]Review of Paragon Bank 120 Day Notice AccountHow to save money. Copyrighted content published on Help Me To Save.
  • Club Lloyds Monthly Saver Pays a Fixed Rate of 4%

    Karen Bryan
    26 Aug 2014 | 11:45 pm
    Some of the highest rates of interest on savings are available on regular savings accounts. Last year I opened a Norwich and Peterborough E-Regular Savings account which paid a fixed rate of 4% with a maximum deposit of £250 per month. I liked the fact that this account was open to all, as frequently you […]Club Lloyds Monthly Saver Pays a Fixed Rate of 4%How to save money. Copyrighted content published on Help Me To Save.
  • Review of Annuity Line

    Karen Bryan
    25 Aug 2014 | 11:26 pm
    As my husband had received the best quote from Annuity Line when buying an annuity, I decided that I’d definitely be contacting them when the time came for me to look at pension income options. As I’d already consulted with an online independent financial adviser and done a lot of personal research, I was happy […]Review of Annuity LineHow to save money. Copyrighted content published on Help Me To Save.
  • Using the Financial Ombudsman Service

    Demetrius Vouyiouklis
    24 Aug 2014 | 11:08 pm
    I had a problem with my Cash ISA transfer with Santander and they had admitted error. During my  dealings with Santander, I had claimed compensation for time/effort/upset caused by them, in addition to putting my financial losses right. Although Santander eventually paid for the financial losses they had caused me, I felt that they had been […]Using the Financial Ombudsman ServiceHow to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Bank Hacked Prescription: Take These Steps for Self-Protection

    Teddy Nykiel
    28 Aug 2014 | 1:31 pm
    Consumers concerned about the safety of their bank and credit accounts should take defensive and proactive steps right away to protect their financial well-being if hackers have attacked. And these days, that seems to include just about everybody. Last year alone, more than 13 million Americans were victimized by identity fraud, according to Javelin Strategy & Research in Pleasanton, Calif. More recent data breaches at major U.S. financial institutions and retailers have exposed potentially millions more. Russian hacker attacks on JPMorgan Chase and at least four other banks in August…
  • Transfer a Credit Card Balance to Another Card, Plus 4 Other Tips to Pay Off Debt Fast

    Lindsay Konsko
    28 Aug 2014 | 8:00 am
    Let’s face it: Paying off credit card debt is a smart financial move, but it can take a really long time to accomplish. If you have thousands in old charges sitting on your card, it could take years to get out of the red. Luckily, the Nerds have a few tips for speeding the process along. Ready to learn more? Let’s dig in! 1. Transfer your high-interest balance to a 0% card One reason paying off credit card debt is so challenging is that high interest rates take a big bite out of your progress every month. As of August 2014, the average credit card interest rate is hovering around 15%.
  • Square Releasing an EMV-Compatible Credit Card Reader – How Will it Impact Small Business?

    Lindsay Konsko
    28 Aug 2014 | 7:30 am
    Most successful entrepreneurs have certain personality traits in common. Ambition, drive and an adaptable spirit are all key if you’re trying to get your venture off the ground. That adaptable spirit is about to come in handy: Many small business owners use Square to process plastic payments, but the company recently announced it’s introducing a new card reader in 2015. Why the change, and how will it impact small businesses? Let’s take a look. The need to read … a new type of card Given the popularity of Square’s current credit card readers, you might wonder why they’re planning…
  • Travel Credit Cards: How to Know If They’re the Right Choice for You

    Lindsay Konsko
    28 Aug 2014 | 7:00 am
    Travel cards can be enticing and glamorous. Maybe you’ve spent time looking at travel cards and their amazing rewards offers, and now you think you want one. But is it the right choice for you? The decision isn’t always as easy as it looks. Here are some things to consider. What do you value? First ask yourself: What do you really value? Because if you believe cash is king, then don’t get a travel reward card. A cash-back reward card is almost always going to give you greater long-term dividends than any other card. That’s because the true value of a mile or a point is always going…
  • Should I Check My Credit Before I Apply for a New Credit Card?

    Brian Gilbertson
    28 Aug 2014 | 6:00 am
    Imagine you just perused all of NerdWallet to find the very best credit card for you. You might wonder: Is it important to check your credit before you apply for that new credit card? Does it really matter? If the issuer is going to do it anyway, why is it important for you to check your credit before you apply for that new credit card? It’s not essential to check your credit before you apply for a new credit card, but it’s a good idea. Here’s why. Your credit report may contain errors You may find an error in your credit report. It doesn’t happen often, but it can happen. You…
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    Card Hub

  • 2014 Credit Card Application Study

    Alina Comoreanu
    5 Aug 2014 | 7:03 am
    How easy is shopping for a credit card online? From one website to the next, how easily can you discern what your interest rate will be on purchase transactions? How about balance transfers? And how much will those rewards points get you in cash, travel or merchandise? Can you readily find this information on the issuers’ websites, or must you read the fine print to find out the real cost and benefit of the card? In our fifth annual Credit Card Application study, CardHub set out once again to find the answers to these questions. In our analysis, we examined and scored the credit card…
  • Ask The Experts: Can Employers Screen Job Applicants Based on Criminal Records?

    Mark Huffman
    4 Aug 2014 | 9:00 am
    An employer’s use of a job applicant’s criminal history in making employment decisions may, in some instances, violate the prohibition against employment discrimination under Title VII of the Civil Rights Act of 1964. The U.S. Equal Employment Opportunity Commission (EEOC) has issued new guidance, urging employers to review their hiring policies to make sure they are not engaging in racial discrimination when they screen applicants based on any previous criminal history. “National data supports a finding that criminal record exclusions have a disparate impact based on race and national…
  • Ask The Experts: What Should We Do with the Charitable Giving Tax Deduction?

    John Kiernan
    4 Aug 2014 | 5:15 am
    Just picture all of the starving children and imprisoned puppies.  That’s exactly what opponents of proposed changes to the 96-year-old charitable giving tax exemption want public opinion to center on.  But those who do support some sort of fundamental change will counter with images of a bedraggled, homeless Uncle Sam begging for food money on a street corner somewhere.  The question is, who’s right? It’s hard to decipher right from wrong when you’re ostensibly choosing between the lifeblood of philanthropy and the federal government’s long-term financial security, especially…
  • Ask The Experts: Tips for Turning Summer Break Into A Brighter Future

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

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

  • GBPUSD: Vulnerable, Loses Upside Steam

    FXTechstrategy Team
    29 Aug 2014 | 3:26 am
    GBPUSD: GBP closed slightly higher on a rejection candle on Thursday leaving risk of a downside trend continuation on the cards. On the downside, support lies at the 1.6550 level where a break will aim at the 1.6500 levels. A break of here will turn attention to the 1.6450 level. Further down, support lies at the 1.6400 level. Conversely, resistance resides at the 1.6656 level with a break aiming at the 1.6700 level where a violation will aim at the 1.6950 level and possibly higher towards the 1.7000 level. On the whole, GBP continues to retain its downside bias short term UNPARALLELED…
  • USDJPY: Sees Further Corrective Weakness

    FXTechstrategy Team
    28 Aug 2014 | 7:28 am
    USDJPY: Having continued to face downside pressure, USDJPY extended its weakness today. This leaves risk of further downside on the cards. On the downside, support comes in at the 103.50 level where a break if seen will aim at the 103.00 level. A break if it occurs will aim at the 102.50 followed by the 102.00 and then the 100.00 level. Resistance resides at the 104.00 level followed by the 104.50 level where a break will target the 105.00 level. Further out, resistance comes in at the 105.50 level where a violation will aim at the 106.00 level. On the whole, USDJPY remains exposed to the…
  • USDCAD: Weakens, Targets The 1.0850 Level

    FXTechstrategy Team
    27 Aug 2014 | 3:53 am
    USDCAD: With USDCAD selling off strongly, further downside is likely in the days ahead. On the downside, support lies at the 1.0850 level followed by the 1.0800 level where a break will aim at the 1.0750 level and then the 1.0700 level. Its daily RSI is bearish and pointing lower supporting this view. On the upside, resistance is seen at the 1.0950 level where a violation will target the 1.1000 level followed by the 1.1050 level. Further out, resistance comes in at the 1.1100 level where a reversal of roles is expected to occur and turn it lower. But if further recovery is triggered…
  • GBPJPY: Faces Corrective Pullback Risk

    FXTechstrategy Team
    26 Aug 2014 | 3:57 am
    GBPJPY – With corrective pullback threat hanging on its neck, GBPJPY faces downside risk in the days ahead. On the downside, support comes in at the 170.08 level where a violation will aim at the 169.50 level. A break below here will target the 169.00 level followed by the 168.50 level. Further down, support lies at the 168.00 level. Resistance lies at the 173.50 level followed by the 174.21 level where a break will aim at the 175.50 level. A cut through here will aim at the 176.00 level. All in all, the cross remains biased to the upside medium term UNPARALLELED ANALYSIS covering EURUSD,…
  • EURJPY: Declines, Faces Further Pullback Risk

    FXTechstrategy Team
    25 Aug 2014 | 6:22 am
    EURJPY- With a follow through lower seen on the back of its Friday weakness today, more decline is now envisaged. Support comes in at the 137.00 level where a break will aim at the 136.50 level. A break will target the 135.72 level with a breach turning focus to the 135.00 level. Below here will aim at the 134.50 level where a violation if seen will aim at the 134.00 level. On the upside, resistance resides at the 137.66 level where a break if seen will threaten further upside towards the 138.00. Further out, resistance resides at the 138.50 level where a break will aim at the 139.27. We may…
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    CreditDonkey

  • Home Depot Credit Card Review: Worth It?

    29 Aug 2014 | 12:00 am
    If you’re a homeowner, chances are you’re intimately familiar with your local Home Depot. It can become the weekend destination of choice for anyone looking to spruce up their walls with a fresh coat of paint, add some color to their garden with some new flowers, or finally repair that leaky faucet. All those visits can add up to a hefty tab if you were to put it on a credit card. Like most retailers, Home Depot hopes that you will rack up a tab – on its own branded card. The card comes ...
  • Study: Best Place to Buy Appliances

    28 Aug 2014 | 12:00 am
    Appliances are one of the few items that really shouldn’t be bought sight unseen. Even if you purchase your next fridge or dishwasher online, you’d be a savvy shopper by testing out the doors and seeing the appliance in person. Chances are, to do these test touch-and-feels, you’ll be making a trek to one of these major retailers: Sears, Lowe’s, or Home Depot. These stores are easy to find and navigate, and offer a wide selection of name brands for the machines you need use every day.
  • Study: Best Place to Buy School/Office Supplies

    27 Aug 2014 | 12:00 am
    Though it might be a bit of an exaggeration, office and school supplies are essentials — for some people, their pens and paper are right up there with food and water. Still, the move toward a paperless society and the rising costs of ink and paper have made stores dedicated to these “essentials” struggle.
  • Study: Best Places to Buy Textbooks Online

    26 Aug 2014 | 12:00 am
    We’ve all been there. It’s the second day of the semester and you overlooked one of the books listed in the syllabus. You go down to the campus bookstore, and sure enough, the line not only extends outside the store but it’s sold out of the book you need.
  • Best Time to Buy Kitchen Appliances

    25 Aug 2014 | 12:00 am
    If you’re lucky, the next time you have to run out to buy a kitchen appliance isn’t because of an emergency. You don’t want to be desperately waiting in line the Wednesday before Thanksgiving because your $300 mixer just went kaput.
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    Rhonda Sherwood

  • What Does the Second Chapter of your Life Look Like?

    Rhonda Sherwood
    25 Aug 2014 | 1:09 pm
      After a number of years in the workforce and dealing with deadlines, demands (and way too much office politics) you are more than ready for an infinite amount of rest and relaxation. You have marked the day on the calendar when you are finally free to enter the mysterious world of retirement and can enter the Second Chapter of your life at last. Six months after you leave work, you are well rested. You have slept in every day ignored the news and have kept your distance from all things relating to your past employment. Life has been easy but you have found yourself at loose ends. How…
  • Are you Looking at Joint Tenancy for Financial Assets? Proceed Carefully

    Rhonda Sherwood
    18 Aug 2014 | 2:02 pm
    Holding financial assets in a joint tenancy is quite common, and in some circumstances it can make good sense. When bank accounts, real estate, mutual funds, bonds, and securities are owned by a couple, the title is passed to the survivor automatically if one of them dies. (Often, the only legal documentation which must be produced is a death certificate.) When the two (or more) people who will be taking ownership as joint tenants are parents or grandparents and children, the situation can become much more complicated. Legal Owner and Beneficial Owner The courts have made a distinction…
  • Tax-free Savings Accounts Make Savings Easier for Canadians

    Rhonda Sherwood
    11 Aug 2014 | 3:47 pm
    A Tax-Free Savings Account (TFSA), is an easy way to save for your financial goals throughout your lifetime. It can be used to save for that down payment on your first home or maybe to start a new business. Over time your goals may change. Travel, retirement or other life events may become your priority. Regardless of why you’re saving, the flexibility and tax-free growth TFSA’s offer make them ideal for just about anyone. Main Benefits of Tax-free Savings Accounts Tax-free Growth. Regardless of the type of investment you choose for your TFSA contributions, they grow tax free. This, of…
  • 7 Steps to Take Control of your Family Finances Now

    Rhonda Sherwood
    4 Aug 2014 | 3:00 pm
    Do you feel that you are in charge when it comes to managing your family’s money? Do you know the state of your family’s financial health? If your spouse were no longer in the picture would your financial situation deteriorate? If a sudden change in your health made working implausible would you have enough disability insurance and savings to get by? What if you die, would your family be able to financially continue on intact? If the answer to any of these questions, is “No”, you need to take control of your family finances now. No One is Guaranteed Freedom from Financial Hardship If…
  • The Spousal RRSP: a Financial Tool for a Comfortable Retirement

    Rhonda Sherwood
    28 Jul 2014 | 3:34 pm
    A spousal RRSP is a financial tool where one spouse can make a contribution to a plan opened in the other spouse’s name. Couples can then split income in retirement so that each person has a equal amount. This strategy helps to lower their income tax payable. When the Spousal RRSPs Makes Sense A spousal RRSP makes sense when one person earns significantly more than the other. It can be considered when one spouse is earning and the other one is at home caring for children. Spousal RRSPs can also be used where both spouses are working but there is a significant difference in their respective…
 
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    Recent Blog Posts

  • 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.
  • Reaffirming Personal Property Other Than Your Vehicle

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

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

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

  • Want to Get Paid to Binge-Watch TV? Netflix May Have a Job for You!

    Kelly Gurnett
    29 Aug 2014 | 3:00 am
    If your idea of the perfect day is an Orange Is the New Black marathon followed by a Walking Dead marathon, you now have a great excuse when friends (or your mom) ask what you’ve been doing with your time: You’re training for your new career. Netflix recently announced that its London office is looking to hire a new tagger — someone who watches movies and TV shows and identifies appropriate tags to help categorize them, like “sports comedy” or “drama with strong female lead.” These tags allow Netflix to present you with genres of entertainment you might find interesting,…
  • Got Breast Milk? How Some Moms Earn $60 a Day Selling “Liquid Gold”

    Laura Agadoni
    28 Aug 2014 | 3:00 am
    While it might seem like a weird business at first, once you get past the shock factor of selling your own breast milk, you’ll probably realize it’s a great idea for everyone involved. You can make some extra money while helping babies (or others) in need. I first heard about selling breast milk in the “general comments” area of a writer’s chat room I sometimes attend. One woman wanted our opinion on whether she should sell her breast milk — she was concerned about it being a “taboo” topic. She was expecting her third child, always produced too…
  • Get Paid to Live Your Grand Theft Auto Fantasy: Work as a Repo Man

    Steve Gillman
    27 Aug 2014 | 10:00 am
    “Did anyone ever pull a gun on you?” is usually the first question people ask when I tell them I was once a repo man. Yes, twice. The first time, I heard a shot as I drove away. The second time, I convinced the man to put away the gun he was pointing at us, and calmly explained to him how to get his car back. Dangerous? Yes. But legally stealing cars in the middle of the night is a lot of fun. Although I wouldn’t do it again, when I was twenty-two it was exciting. So if you’re young, invulnerable and looking for an interesting career or just some extra cash and…
  • Drop and Give Me 20 (Dollars): How to Make Money Running Fitness Boot Camps

    Mike Thorpe
    27 Aug 2014 | 3:00 am
    Even if you’ve never been in the army, you’ve probably seen snippets of boot camps in popular war movies like Full Metal Jacket, G.I. Jane or Stripes – one of Bill Murray’s finest films. What do you recall about those scenes? You’re probably envisioning a mammoth instructor in sun glasses and a brimmed hat, barking at recruits and forcing them to do push-ups in the mud. Am I close? Fitness boot camp isn’t much different. You’ll play the role of the tough instructor with the heart of gold, and your friends and family will play the new recruits.
  • How Pretending to be Your Favorite Fictional Character Could Put Money in the Bank

    Lauren Tharp
    26 Aug 2014 | 3:00 am
    If you’ve always dreamed of writing professionally online –- or are already earning money as a freelance blogger –- then you’re going to love this. You can earn a nice chunk of change each month simply by writing as one of your favorite fictional characters. It’s called character blogging. While it’s technically a form of ghostwriting – or ghostblogging, if you prefer – it’s very similar, in principle, to writing fan fiction. And how many of us have a lovingly-crafted written tribute to our favorite character hidden under our beds? If you’ve ever dabbled in fan fiction,…
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    Learn Financial Education

  • Why is it Hard to Save Money

    Gily Tenorio
    1 Aug 2014 | 6:53 pm
    I’ve been blogging about personal finance and saving money for quite few years now. Many readers may find it difficult to save money because of various reasons. When I am starting to save money,  I have also the same experience. One author I remembered said, everything is hard before it is easy. It is much the same as saving money. At first, it will be very difficult but as you started to act, it will be easier for you to do so.   Here are the several reasons why many people find it difficult to save money and how you can win over these obstacles.   1. You Don’t Have…
  • We are Leaving Again

    Gily Tenorio
    24 Apr 2014 | 5:27 pm
    It’s been months since I posted in this blog and I feel I’m a newbie blogger. It’s hard to compose sentences when you stopped writing for a long time. Anyway, it’s good to be back here in this site. For almost a year, I don’t have a regular income. My family relied on the income of this blog and the savings we have. By the grace of God, I have given another opportunity to work abroad where I had previously worked, in South Korea. It’s a great feeling that I will go there together with my family. Not all OFW have this chance so I’m very thankful to the…
  • Happy New Year!

    Gily Tenorio
    1 Jan 2014 | 6:31 pm
    I just want to greet everybody a Happy and Prosperous New Year! Let’s face 2014 with a high optimism that this year will be great despite of many hardships and calamities we have faced last year. What to Read Next: Happy New Year! Happy 2nd Anniversary FMB! Happy Mother’s Day
  • The Importance of Saving Money

    Gily Tenorio
    16 Dec 2013 | 6:08 pm
    Hello, I just want to share a good video about saving money from a very popular TV show in the Philippines, “Kapuso Mo, Jessica Soho”. Perhaps some of you may already watched this but it is good to watch again to give you inspiration to set aside even small amount of money.   You can watch the video here or click the play button below. I hope you like this video and share it to other people you know. We can all save money even you have small salary. What to Read Next: Saving is the First Step to Wealth and Financial Freedom 3 Easy Ways to Save Money How to Start Saving
  • How to Calculate Simple Interest

    Gily Tenorio
    9 Dec 2013 | 7:07 pm
    In my old post, I compared simple interest with compound interest and what are the differences between the two. In this article, I would like to show you how to compute for simple interest since it is a basic lesson in finance that every people should learn.   To give you basic understanding, an interest is the fee paid to a depositor like you for the use of money you put in the bank. For example, if you put P10,000 in your savings account or time deposit, the bank will pay a fee (interest) to you as a depositor in form of an interest which can be simple or compounded. In order for…
 
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    Don't Go Alone: Your Freedoms and the Law

  • 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…
  • Rumors and Lies: How does a Law Abiding Resident Determine if a Firearm is Legal to Purchase in Massachusetts?

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

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

  • 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…
  • The Tao Of Being Sued For A Private Student Loan

    Jay Fleischman
    21 Aug 2014 | 3:00 am
    Until a private student loan lender decides to file a lawsuit against you, there’s nothing but chaos and uncertainty. That’s all replaced, for better or worse, the instant the case is filed. There’s a natural order to things. Up is above, and down is below. For every day there is night. That’s the concept of Tao, and it enables us to walk through the world with a sense of certainty. That certainty, unfortunately, is thrown out the window when it comes to dealing with a past due private student loan. Consider all the points of uncertainty when your student loan goes…
  • Win A Debt Collection Lawsuit Using These 2 Magic Words

    Jay Fleischman
    19 Aug 2014 | 11:06 pm
    Did you know that two magic words can help you defend – and possibly win – a collection lawsuit? Whether you’re being sued for a private student loan, a credit card debt gone bad, or a bank loan it’s unbelievable that the lender or debt buyer can be scared off so easily. At least, that’s the sense Ira Glass gives in the prologue to the episode of This American Life that aired on August 15, 2014. Relaying a story by Jake Halpern, Glass tells of a Georgia couple who had fallen on hard times. They went past due on their credit cards and got sued by LVNV Funding…
  • 6 Things That Won’t Happen When You Get Out Of Debt (And 1 Thing That Will)

    Jay Fleischman
    19 Aug 2014 | 3:00 am
    There are things I haven’t told you about the world after you get out of debt. That nobody else has told you is at once a source of vindication and shame. I’m not the only one who’s left out the tidbits, so that’s good – but someone should have clued you in. Rather than let it drag on even longer, I thought I’d give you a quick rundown. This way you’ll never again be able to point your finger at me and claim I was somehow untruthful. You won’t be better looking. When you get out of debt, the years won’t fall off you like fairy snowflakes.
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    Musings of a Money Manager | The Personal Blog of John Rothe

  • What Is The Best ETF Hedging Strategy?

    John Rothe
    13 Aug 2014 | 3:00 am
    What is the best ETF Hedging Strategy? Sometimes the simplest is the best. So, What Is The Best ETF Hedging Strategy? — A Systematic Approach To Protect A Portfolio Against Another 2008 Style Decline Lately I have been reading more and more articles in the financial press about how another major stock market decline is at our doorstep. The problem is how to decide when and if another major stock market decline will occur and how to protect your portfolio without missing any potential market upside. Typically, I like to use inverse ETFs in a portfolio during a long term decline in order…
  • How To Take Advantage Of The Current Stock Market Pullback: Global Investment Strategy Update

    John Rothe
    5 Aug 2014 | 11:04 am
    Last week, the US stock market quickly sold off its July gains. Some are starting to wonder if this stock market pullback is a buying opportunity in the markets, or the start of a major decline. Taking a look at my global asset allocation strategy can give us some clues into what global investors are thinking. ETF Portfolio Selections For August 2014 To start, this month’s changes in the portfolio still reflect strong relative strength in the US and global markets. Typically, at the start of a major bear market decline, we will begin to see early warning signs: Relative strength in our…
  • Knee Jerk Reaction… Or Something More?

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

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

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

  • 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 One Shift . 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…
  • When the going gets tough: A lesson from Alice

    Marissa Anwar
    21 Aug 2014 | 9:29 pm
    By and large I like to accentuate the positive in these pages. I’m a fairly upbeat kind of a person and I like to think my life is heading on a fairly upward trajectory. I get a kick out of sharing that positive energy. But when a friend of mine lost their job last year, I realised that not everyone is necessarily going to be in quite the same place. And that got me thinking. My friend Alice had enjoyed a well-paid position with a local small firm. She’d been there straight from college and she liked it. She was really happy there. And that made it all the more difficult when the company…
  • What Does Your Vanity Cost You?

    Marissa Anwar
    19 Aug 2014 | 7:49 am
    How much do we really spend on looking good? Have you actually ever sat down to figure it out? Looking is good isn’t cheap. And everyone who claims that they “WOKE UP LIKE THIS” is pretty much lying. I’m not just talking about the money that we spend on our gym membership, or the shakes that we buy, but the creams, lotions, etc. They all add up. The obvious: This is where you see gym fees, fancier cars, and tanning and everything else. We do what we can to hold back the hands of time. Gym fees alone can cost anywhere between $30-$100 a month. Let’s not even talk…
  • The Banking Basics of a Credit Union

    Melissa
    11 Aug 2014 | 7:08 am
    This is the second post in our series about Credit Unions. As mentioned last month, Melissa Grosser, lifestyle PR professional in Toronto, is exploring the alternatives to banks, and seeing if a credit union is right for her. You can read the first article in the series: What is a Credit Union? Uncovering the Financial Institution Alternative   Even though I have been a long-standing client of a typical bank since my early teenage years, as I move further into adulthood, I always wondered the following: Am I getting the best deal here? Is there an alternative that my money should seek…
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    Thirty Six Months

  • 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 One Shift . 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…
  • When the going gets tough: A lesson from Alice

    Marissa Anwar
    21 Aug 2014 | 9:29 pm
    By and large I like to accentuate the positive in these pages. I’m a fairly upbeat kind of a person and I like to think my life is heading on a fairly upward trajectory. I get a kick out of sharing that positive energy. But when a friend of mine lost their job last year, I realised that not everyone is necessarily going to be in quite the same place. And that got me thinking. My friend Alice had enjoyed a well-paid position with a local small firm. She’d been there straight from college and she liked it. She was really happy there. And that made it all the more difficult when the company…
  • What Does Your Vanity Cost You?

    Marissa Anwar
    19 Aug 2014 | 7:49 am
    How much do we really spend on looking good? Have you actually ever sat down to figure it out? Looking is good isn’t cheap. And everyone who claims that they “WOKE UP LIKE THIS” is pretty much lying. I’m not just talking about the money that we spend on our gym membership, or the shakes that we buy, but the creams, lotions, etc. They all add up. The obvious: This is where you see gym fees, fancier cars, and tanning and everything else. We do what we can to hold back the hands of time. Gym fees alone can cost anywhere between $30-$100 a month. Let’s not even talk…
  • The Banking Basics of a Credit Union

    Melissa
    11 Aug 2014 | 7:08 am
    This is the second post in our series about Credit Unions. As mentioned last month, Melissa Grosser, lifestyle PR professional in Toronto, is exploring the alternatives to banks, and seeing if a credit union is right for her. You can read the first article in the series: What is a Credit Union? Uncovering the Financial Institution Alternative   Even though I have been a long-standing client of a typical bank since my early teenage years, as I move further into adulthood, I always wondered the following: Am I getting the best deal here? Is there an alternative that my money should seek…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Temporary Authorization Numbers Provide Added Security

    Tom Kerr
    28 Aug 2014 | 5:00 am
    Have you noticed that almost all of the major thefts of confidential financial data are happening in the U.S. and not in Europe? A few years ago, Americans were not really targeted any more than people in other industrialized countries. In the U.S., we are now more susceptible since our credit card technology is so out of date it presents a golden opportunity for tech-savvy criminals to potentially access our information. As we’ve been pointing out for the past 18 months, banks and major corporations across the U.S. should have seen this risk coming. I imagine that most of them probably…
  • 50,000 Bonus Miles With Chase United MileagePlus Explorer Card

    Tom Kerr
    26 Aug 2014 | 5:00 am
    I am a big fan of Chase credit cards because they tend to offer exceptional customer service, robust rewards programs and uniquely valuable benefits and features. Now for a limited time, those who sign up for the Chase United MileagePlus Explorer Card can earn 50,000 bonus points. The card is tied to United Airlines, so it is appropriate for those who travel with that particular carrier or who want to earn points toward future travel served by United Airlines. Act fast, though, because the offer is set to expire on September 2nd, right around Labor Day. Limited Time Offer Details To be…
  • Changes Coming to Chase Sapphire Preferred

    Tom Kerr
    25 Aug 2014 | 11:07 am
    Chase Sapphire Preferred is consistently ranked very highly for customer service and praised for its rewarding menu of features and benefits. One small example that illustrates that customer-centric approach, for example, is that whenever calling the customer service number you will talk to a real person, never a voicemail type menu of computerized options. With the U.S. transitioning to PIN-and-chip cards, current Chase Sapphire Preferred cardmembers that have a card about to expire will receive replacement plastic that will come equipped with a “chip-and-signature” technology. That…
  • Credit Cards in the News: August 16-22, 2014

    Chris Mettler
    22 Aug 2014 | 9:19 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for August 16-22, 2014. Visa is Ramping up Card Security Efforts Visa announced new software, the Visa Transaction Advisor, which can detect the true card user when fueling up at the pump. The software will analyze 500 pieces of data in less than one second and…
  • Behavioral Psychology is Used to Strengthen Finances

    Tom Kerr
    20 Aug 2014 | 5:00 pm
    Behavioral economics is a field of study that melds psychology with financial management. Those who work in this field observe that even though people may study the lessons of finance and learn about financial literacy, they often fail to save as much as they should, stick to a budget or make other smart financial choices. Behavioral Economists discovered that people often lack the mental discipline or emotional motivation to follow through on their plans. The combination of economics and psychology were studied to come up with strategies and techniques that really do work and help people…
 
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    Feeds : dailyworth

  • Back-to-School Savings Tips You Can Use All Year

    26 Aug 2014 | 9:00 pm
    Spend Less, Stress Less For parents, the beginning of a new school year requires more than just getting children back on a regular schedule and helping out with homework. It requires money — often lots of it. The average family with grade-school children will spend $669.28 on apparel, shoes, supplies and electronics, up 5 percent from $634.78 last year, according to the National Retail Federation’s 2014 Back-to-School Survey.   But going back to school doesn’t have to cost so much. Savvy shoppers and organized planners can find lots of ways to save on school…
  • Want to Save More? There’s an App for That

    12 Aug 2014 | 9:00 pm
    A Savings for Every Style How’s your bank balance? Could be better? You’re not alone. Only one in four Americans surveyed by Bankrate.com in June 2014 said they had an adequate emergency fund (that’s at least enough savings to cover six months of expenses in a crisis such as job loss or a medical issue). And more than a quarter had no “rainy day” savings at all. Ouch.  But it doesn’t have to be this way. The most direct way to sock away more money each month is to spend less. And cutting down on expenses starts with a prescription that allows…
  • 6 Simple Ways to Save More

    11 Aug 2014 | 9:00 pm
    What Are You Waiting for? It’s no surprise that Americans are not particularly good at saving money. Even after the financial crisis of 2008, the savings rate only went up to about 5.5 percent, and it was back down to 2.6 percent by 2013, according to Sheldon Garon, a Princeton University history professor and author of “Beyond Our Means: Why America Spends While the World Saves.”  More recent data is even less encouraging. A May 2014 study by Interest.com, part of the financial website Bankrate, that analyzed data for 18 major cities from the Bureau of…
  • 8 Excuses for Not Saving Money — Debunked

    11 Aug 2014 | 9:00 pm
    After two decades of personal finance reporting, I’ve heard every excuse in the book for not saving money. That said, none of them really hold up — at least over the long term. Here are eight excuses I hear all the time, why you’re likely saying them and what you should be doing instead: 1. “I’m too busy.” Yeah, you, me and everyone else. Sure, you’re busy, but this excuse really means you’re too lazy to make saving (i.e. your security, wealth and overall future) a priority. It’s a total cop out, especially when you can make it automatic…
  • The Best Times to Buy Big-Ticket Items

    5 Aug 2014 | 9:00 pm
    Savvy shoppers know the best time to get linens is during January’s white sales and that July is a great time to buy swimsuits. But how about the purchases that will really dent your wallet? Do you know — or think you know — the best time to buy a car? A laptop? Furniture? A TV? Evolving retail trends mean that the ideal time to buy many of these items has changed. But knowing when to buy pays off, since in some cases you can cut your purchase price in half. Here’s when to buy: Home Furnishings The best time to buy many items for the home tends to be during holiday…
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    Money Q&A

  • Trade Forex: A Decidedly Directional Strategy for Success

    Guest Contributer
    16 Aug 2014 | 8:04 am
    “The trend is your friend.” You’ve heard that before, right? When you trade forex, many traders live and die by that rule. There’s a reason why. Trend following is a major trading strategy employed by even expert traders. But, it’s not the only trading strategy or methodology out there. Forex is primarily a directional-driven market where traders must decide how they will exploit movements in the market. A static or “sideways” market is nobody’s friend. At the same time, directional trading can easily turn against even the most experienced trader. These trading strategies…
  • How To Apply For Personal Loans Online

    Guest Contributer
    15 Aug 2014 | 12:18 am
    Every once in a while, we all need a little help when it comes to money. Taking out a small, fast personal loan can help you make ends meet when you need it most, whether it is because your car has unexpectedly broken down, or you have been hit with a few unforeseen medical bills. Luckily, these days it is easy to apply for a loan online, and fast. Here are our tips for preparing, applying and getting approved online for a personal loan. Know your credit history Also a key step to managing your finances going forward, knowing your credit history and rating is the best way to determine if you…
  • Coming To Grips With Paying Your Rent On Time

    Guest Contributer
    14 Aug 2014 | 3:16 am
    Whether you have recently left home or full time education or your circumstances have changed, taking responsibility for paying your own rent can be a daunting prospect. Probably your most important outgoing will be your rent cheque, be that owed to a property management company, a private individual, local authority or a relative. Making your payment on time and in line with your contractual obligation takes some organization. For even more practical and clear advice on subjects ranging from universal credit to where to get help if you fall behind with your payments, visit the Money Advice…
  • Don’t Take The Main Road With Your Finances

    Guest Contributer
    13 Aug 2014 | 3:27 am
    Don’t take the main road in finance: try these tips By Paul Watson There you are, your business plan in hand and the bank manager’s office before you. You can feel the sweat dripping from your forehead as that suited, booted, Gordon Gecko-esque manager opens his door and says, “Come in, then. Let’s hear why I should give you a loan”. You sit opposite his plush glass desk, distracted by the clang of the Newton’s cradle atop it, as you recite you’re your wildest business dreams to him. The bank manager stares at his watch for a bit, yawns, looks dreamily out the window and toys…
  • Why Cash Flow Improves With Efficient Invoicing

    Guest Contributer
    2 Aug 2014 | 9:29 am
    A small business owners’ invoicing process seems like a minute detail in the grand scheme of your business. After all, that small business owner is focused on innovating, selling product and growing his or her business. But improving an invoicing process — that part of the business that allows a small business owner to get paid — can actually improve your cash flow, allowing the business owner to grow the business. It’ll also save some headaches along the way. Here are a few tips and tricks to making the invoicing process more efficient. Understanding Invoicing Most small business…
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    Creative Money

  • Three things you forgot to teach your child about money

    Mindy Crary
    26 Aug 2014 | 11:43 am
    Children as young as three years old can grasp financial concepts like saving and spending.  And a report by researchers at the University of Cambridge commissioned by the United Kingdom’s Money Advice Service revealed that kids’ money habits are formed by age 7.  Here are three things that traditional advice forgets when encouraging you to teach your child about money. Three things to teach your child about money Usually when you teach your child about money, it’s the basics about saving, spending and charity…this is pretty standard (and here’s a great article covering some…
  • How to become a stock market ninja

    Mindy Crary
    19 Aug 2014 | 10:30 am
    Despite 91% of women saying it’s important that they feel confident in their abilities to invest, 58% of these women don’t have any interest in learning about the stock market.  As USA TODAY reports, millennial women show less interest and confidence than millennial men when it comes to the stock market. For instance, 49% of women, compared to 69% of men, agree the stock market is the best place to invest for retirement.   At some point, ladies, you’re going to need to take the stock market plunge.  Why?  It’s the best way to grow your money over the long term.  I’ve…
  • Freaked by personal finance? Start with trust and inspired action

    Mindy Crary
    12 Aug 2014 | 11:40 am
     I recently had the opportunity to hear Scott Berkun speak at World Domination Summit 2014. He told us a story about when he and a group of his friends recently rented a vacation home by a lake. They noticed that the boat house had a trapeze that they could use to swing out over the lake, and then jump in. They were all very excited to use it, but when it came time to make the leap, several of them paused to start discussing the “best way” to approach it. The discussion kept them in their heads, instead of taking action. Scott’s friends experienced a pretty common reaction to fear:…
  • Interview with entrepreneur & money rebel @magspatterson

    Mindy Crary
    5 Aug 2014 | 9:53 am
    I’m taking a break from producing the full Money Rebel magazine (you can download prior issues here), but here’s an amazing entrepreneur I just had to share with you, Maggie Patterson!  Here’s her entire interview. Do you think of yourself as a rebel? I don’t really think of myself as a rebel, but I’m starting to realize that I am more of one than I thought.   My approach is more about pushing the limits or throwing away the rule book versus being a bad ass rule breaker. I’m sure if you ask anyone who knows me well, tell will tell you I am a big old rebel, especially when it…
  • Interview with entrepreneur & money rebel @AmyOscar

    Mindy Crary
    29 Jul 2014 | 8:05 am
    I’m taking a break from producing the full Money Rebel magazine (you can download prior issues here), but here’s an amazing entrepreneur I just had to share with you, Amy Oscar!  Here’s her entire interview. Do you think of yourself as a rebel? I don’t. Though the life that I live – as the leader of a tribe of Soul Callers – may seem rebellious to others, it’s the only path I CAN follow. What I mean is, I’m not rebelling against anything – I’m following my heart. Where did you stray from the conventional path and start doing things your own way? Here’s a…
 
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    Three Thrifty Guys

  • Ask the Credit Expert: What’s Ideal Credit Score?

    Guest
    29 Aug 2014 | 4:02 am
    “Kay” is Kayleigh Gaddor, Community Manager at Credit Karma. Dear Kay: Should I leave a credit card open if I’m never going to use it again? -Steve Unless that card has an annual fee, the answer will usually be “yes.” Closing a credit card reduces the overall amount of credit available to you, which affects your credit card utilization rate, a significant factor of your credit score. Having more credit available to you is generally a good indicator of overall creditworthiness, which lenders like to see.  Just keep in mind that you may need to occasionally use the card…
  • Ooma Safety Phone Review

    Charlie
    27 Aug 2014 | 3:33 am
    Over the last two and a half years many of you had heard my enthusiasm about the Ooma Telo home phone system, which has been saving my family money hand over fist. Thus far, the Ooma Telo has saved us over $750 over my previous phone service. However, I’m not here to repeat my glowing reviews about the Ooma home phone service. No…I am proud to announce a new service that Ooma is offering! It is called the Ooma Safety Phone, and it is just as easy to setup as the basic Ooma Telo phone system. This little device can be used for elderly friends or relatives if you are concerned that they…
  • Does Cub Foods Really Have Lower Prices?

    Laurie
    25 Aug 2014 | 3:32 am
    The following post has been brought to you by Cub Foods When we lived in the city, Cub Foods was our “go to” grocery store. The local store there was clean and inviting, the staff was great and the produce was always excellent in quality. After we moved to the country nearly two years ago, however, we had a “budget epiphany” and have since done the majority of our shopping at another store with notably lower prices. Although most other things about this particular store are good, I’ve never been very happy with the produce selection, and have missed the great produce I always found…
  • How to Get Rid of Junk Mail (for Good)

    Aaron
    20 Aug 2014 | 4:34 am
    A few weeks ago I came home to spot a large full plastic bag sitting on the front steps of our house. I thought it may have been a package my wife ordered or some nice baked goods from the neighbor. After getting closer, I discovered what it was: The Yellow Pages phone book.  “Do they still send those out to folks?” I thought to myself. In the Internet age and online directories for everything and anything – I was a bit surprised to see this at the doorsteps. While there still is a segment of the population who doesn’t have access to the Internet (or chooses not to…
  • NEW: Grab Your Free Credit Report

    Aaron
    18 Aug 2014 | 4:05 am
    I remember one of the first times my credit report was pulled for an auto loan (yes, that one that I should have never gotten into). After it came back clean, I remember feeling a sense of pride that I was “staying on the straight and narrow”. I remember the loan officer talking about how it was costing the dealership money to pull it but it was something they needed to do to check my “credit-worthiness”. Do you recall the first time your report got pulled? FREE credit reports? Which leads me to tell you about another new offering that our friends at Credit Karma just came up for…
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    Kitces.com

  • Why Social Security Dependent Benefits For A Child Can Make It A Good Deal To Start Early And NOT Delay

    Michael Kitces
    27 Aug 2014 | 4:01 am
    For prospective and current retirees who are concerned that "unexpected" or extreme longevity may lead them to run out of money, there are few strategies more effective than the decision to delay Social Security benefits. The tradeoff - where payments are not received now, in exchange for higher payments in the future - is similar to buying an income annuity, or investing in a bond ladder that will begin liquidating in the future... except that the implicit "pricing" of the decision to delay Social Security is far better than any commercial annuity or bond yields available today. The caveat…
  • Why Spend Money On Marketing When You Can Get Paid To Market Your Advisory Firm?

    Michael Kitces
    25 Aug 2014 | 4:01 am
    Traditional marketing like advertising can be expensive – so expensive, that few advisors ever engage in such tactics, relying instead on less expensive marketing approaches like generating referrals from existing clients and centers of influence, or focusing on a niche where the advisor can build a brand and demonstrate expertise that attracts niche clients to them through an inbound marketing strategy. Another alternative, though, is to deliberately craft a limited scope solution for clients, valuable enough that clients will pay for it, while giving the advisor the chance to demonstrate…
  • Weekend Reading for Financial Planners (August 23-24)

    Michael Kitces
    22 Aug 2014 | 11:55 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the interesting announcement that TD Ameritrade has launched a program that will refund advisory fees for clients in their Amerivest managed account if their portfolio is down for two consecutive quarters, following on a similar "accountability guarantee" program launched by Schwab late last year, and raising the question of whether such fee rebates may be an emerging trend and/or competitive threat against advisors or just a lightweight marketing promise that few clients will…
  • Why A Roth Conversion May Be A Bad Idea Even If Taxes Are Higher In The Future

    Michael Kitces
    20 Aug 2014 | 4:01 am
    With years of ongoing Federal budget deficits and a large and growing national debt, there is a common perception that "at some point" tax burdens must rise to address the issue. While the timing is not certain, the belief that higher tax rates may be inevitable has become a strong driver for many advisors and clients to do whatever they can to manage that future tax exposure. And one of the most popular strategies: take the tax exposure off the table altogether, by contributing to Roth accounts and doing Roth conversions, with the goal of paying taxes now when rates are lower and not in the…
  • Is GIPS Compliant Performance Reporting Becoming A New RIA Differentiator?

    Michael Kitces
    18 Aug 2014 | 4:01 am
    Historically, financial advisors that help clients with their investment decisions have attempted to differentiate themselves by everything from the merits of the products they offer and the companies they represent, to their expertise and experience, to the personal financial advice they can deliver outside of the portfolio. Yet despite how standard it is in the institutional world, surprisingly few RIAs that work with consumers actually aim to differentiate with their actual performance results and track record... due in no small part to the difficulties in standardizing the process of…
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    Epic Finances - Investment Blog

  • Why you should invest in Stocks

    Carmello
    28 Aug 2014 | 3:00 am
    This quick little blog is going to explain why, if you want to invest, investing in stocks is one of the best choices you can make. The fact is that, over the past 100 years or so, any long-term savings that you invested would have done much better in the stock market than anywhere else you could have invested, including real estate, gold, bonds and definitely collectibles. Now, before you begin, and before you enter any ticker symbols, track the Dow or look deeply into a specific company’s cash flow, you should definitely set some expectations for yourself. One of the very best rules of…
  • Risk Free Lesson on Investing

    Carmello
    20 Aug 2014 | 3:00 am
    If you’ve just started investing the truth is that you’re probably scared to death about putting your hard-earned money at risk. After all, investing is risky and, as a newbie, you have anxiety that you won’t do it “right” and lose some of your hard-earned money. The truth is, a little bit of fear is absolutely normal. That being said, today we’re going to give you some great advice about how to learn some investing strategies, and give them a practice run, before you actually begin to invest your hard earned money “for real”. Enjoy. Create a mock portfolio online Okay,…
  • When’s the best time to make your first investment?

    Carmello
    13 Aug 2014 | 3:00 am
    Not surprisingly, first-time investors usually have a little bit of anxiety about when the best time is to make their first stock purchase. It’s not an unfounded fear, frankly, because if a person were to start at the wrong point in the market, which has a tendency to go up and down quite a bit, they can be left staring at big losses right from the start. The good news is simply this; time is definitely on your side. If you are investing for the long haul, which is recommended, well-chosen investments will have compounding returns that add up quite well no matter what the market was doing…
  • Common Investing Pitfalls the New Investor Should Avoid

    Carmello
    6 Aug 2014 | 5:10 pm
    As a new investor there are definitely a number of common pitfalls that you need to avoid. The reason is simple; avoiding them will save you money. Read below to find out what they are and what you can do to avoid them. Enjoy. First and foremost, doing nothing will net you nothing. What that means is that, while there is no guarantee that the market is going to go up any time after you make your first investments, doing nothing at all will net you nothing as well. It’s better to get started and weather any storms that come along then do nothing. Similar to doing nothing is starting late, as…
  • Saving for Retirement

    Carmello
    30 Jul 2014 | 4:40 pm
    Saving and investing for retirement is no easy task, and the sooner you start the better off you will be later on down the road. The power of compound interest, and years worth of incremental savings will help you achieve a sound and comfortable retirement that will stay with you the duration of your life. You don’t want to save for years, retire, and then after 20 years you find that you are running out of money and need to return to work! Make sure you employ a sound retirement strategy that grows and adapts with you as you age. First things first, if your employer offers a retirement…
 
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    cheapbohemian

  • 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…
  • Poetry Thursday: An Excellent View of the Essence of Things

    Lisa Schamess
    12 Sep 2013 | 6:20 am
    My beloved--and I can't say how very much she is be-loved to me--Stephanie Schamess sent me this poem by Wislawa Szymborska for my birthday today. It's a big birthday--as all birthdays are.We live in a world where life is still inestimable and, unable to count it, we account is as cheap. We live in a world despoiled, corrupted, persistent, contested, impossible to fathom, vulnerable to misery and seemingly impermeable and indestructible due to its very precarity, its very fluidity, its very unknowing unknowableness. But we live. And some of us really know how to do just that.Thimble…
  • What I Did All Summer

    cheapbohemian
    10 May 2013 | 7:38 am
    (...and Also All Fall, Winter, and Most of the Spring)Sorry I'm late. But read on--I have a poem for you at the end of all this. Even better: IT'S NOT MY POETRY!So, I miss you guys, and I miss being the cheeky, moxy-afflicted personality of the Cheap Bohemian.But out in the world, a lot has been happening. I keep meaning to come back here and look at all of it through my Cheap lens, and maybe even impart some money wisdom. But a lot of what has been happening has been so profound (and frankly some of it, so profoundly not funny) that words have failed me. Repeatedly.That's a good thing.
  • Poem Tuesday

    Lisa Schamess
    12 Mar 2013 | 10:00 am
    The ClamMary OliverEach one is a small life, but sometimes long, if its place in the universe is not found out. Like us, they have a heart and a stomach; they know hunger, and probably a little satisfaction, too. Do not mock them for their gentleness, they have a muscle that loves being alive. They pull away from the light. They pull down.They hold themselves together. They refuse to open.But sometimes they lose their place and are tumbled shoreward in a storm. Then they pant, they fill with sand, they have no choice but must open the smallest crack.Then the fire of the world touches…
  • Thrift Shop Boyz

    Lisa Schamess
    30 Jan 2013 | 5:48 pm
    Garrett Wesley Gibbons is a very talented individual.Those guys Macklemore & Ryan Lewis aren't too shabby, either.Also, THIS. Via Alert Reader Amina.
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    The Savvy Scot

  • Only 2 days left! BIG anniversary £300/$500 cash or iPad mini 64gb giveaway

    Pauline
    28 Aug 2014 | 11:55 am
    Credit   Have you entered our BIG £300/$500 giveaway yet? only two more days to go!   Savvy Scot is happy to join its sister sites Reach Financial Independence and Make Money Your Way for a HUGE giveaway, as RFI turns two and MMYW turns one! It has been a great year over at Make Money Your Way. 178 posts from that first welcome one, almost 150,000 pageviews, over $10,500 in revenue, 10% donated to sponsor young girls’ education in my village, a PR3, and thousands of comments and positive feedback that made it a fantastic experience. So to celebrate and say THANK YOU, I am…
  • Check out our side hustle ideas!

    Pauline
    25 Aug 2014 | 1:10 am
    Credit In case you didn’t know,  I have another blog called Make Money Your Way where I talk about all the different ways one can make money (legally!). We have covered a lot of ground, with posts such as Renting your house on AirBnb Making money as an artist Make money with cleaning services Make money with languages Guitar teaching and much more. And recently, I have asked around for more ideas. I got so many answers I broke it into a series, here is part 1, and today part 2 is live. Hope you will join us over there to check them out! The post Check out our side hustle ideas!
  • £16/$25 Airbnb coupon, save money for your summer holiday

    Pauline
    11 Aug 2014 | 5:05 pm
    To register on Airbnb and claim your £16/$25 Airbnb coupon, click here. This Airbnb coupon is valid all through 2014, so enjoy! Summer is here, and you know how hard it can get sometimes to find an affordable accommodation for the holidays. Peak season, the school year is over, prices soar. Airbnb offers you the option to book directly with homeowners, and stay at their place instead. Isn’t it weird? Well for some, sharing a house with complete strangers can be, that is why you also have the option to rent a full home or apartment. It is really easy to look for the right place for your…
  • Would you have roommates as a family?

    Pauline
    30 Jul 2014 | 11:49 pm
    Photo Credit I read an article on The Atlantic about two married couples getting a  house together in D.C. so they could split the mortgage and other household duties “for the next few decades hopefully”. While I have lived with roommates for most of my college years and the first few years as a professional, I always thought about living on my own as the last step to being a grown-up. Living with people mostly was a financial decision in my case. Only once did I live with a friend and more friends of his, the rest of the time I just got a room with complete strangers and hoped we got…
  • My bank is awesome

    Pauline
    24 Jul 2014 | 11:00 pm
    Credit I rarely sing the praises of anything, let alone a bank, but I have to say, Santander, you rock. I already talked around here about their 123 bank account that gives you a 3% interest rate if you keep a balance of over £2,000 ($3,000) on your current account, allowing you to forget about moving the cash back and forth between savings and checking, and paying overdraft fees if you leave your current account underfunded, and about their even more fabulous Zero card that charges zero commission or foreign exchange fee when you pay for stuff or withdraw some cash abroad, which is about…
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    I Need Money

  • 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…
  • Can Insurance Help Your Business Grow?

    admin
    29 Jul 2014 | 3:18 pm
    While the global economy may be growing at a considerable rate, this level of expansion cannot be guaranteed indefinitely. This means that businesses must take greater care to protect their financial investments and assets, so that their growth can be consolidated and secured while the economy remains prosperous. From repairing vehicles to fixing shop windows, insurance is what we turn to when things go wrong. But for many businesses, it can also be one of the building blocks of future company growth and financial success. Investing in good cover isn’t just about preparing for the worst,…
  • Will Having Multiple Insurers Help Your Business Save Money?

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

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

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

  • Zoho on Zoho: How we use Zoho apps to run the show at Zoholics

    Meera Sapra
    25 Aug 2014 | 4:47 am
    Our goal for each Zoholics user event is to make it perfect for attendees – our customers who travel from all over the world to learn and make the most of Zoho apps for their business. Making sure that everything is perfect involves coordinating so many major and minor aspects related to each event. What makes this even more challenging is the fact that most of our teams are geographically distributed and work across various time zones (more about working remotely with cross-cultural teams here.) So, how do we do this for not just one, but four annual Zoholics events? Here is the story…
  • Finding (e)Harmony between Candidates and Companies

    Austin Ries
    22 Aug 2014 | 7:48 am
    For 14 years, eHarmony founder and CEO ​Neil Clark Warren has stood against a white backdrop on our television screens to discuss compatibility. And while his white hair, suit, and glasses make him look a little more like Orville Redenbacher than a matchmaker, the proof is, well…in the wedding cake. Since its inception in August of 2000, eHarmony has yielded 600,000 marriages with a divorce rate of only 3.8 percent – a fraction compared to the national average. So what’s eHarmony’s next move? Matchmaking in the career space. When eHarmony launches Elevated Careers…
  • Easily generate brochures, payslips, contracts and more with Zoho Creator’s Custom Record Summary function

    Aakanksha Jain
    21 Aug 2014 | 7:09 am
    Recently, our facilities team was looking for a simple way to manage purchase orders. They decided to try the Custom Record Summary feature in Zoho Creator and instantly, the tedious task of generating and managing purchase orders was a thing of the past. Needless to say, they were able to retire the old time-consuming purchase order system and process. And, more importantly, now it just takes a few clicks for our facilities team to create beautiful and accurate purchase orders (Print/PDF Version). In case you missed it, the Custom Record Summary was recently released in Zoho Creator. …
  • Work Smart with the Resume Inbox

    Shirley R Graceya
    20 Aug 2014 | 7:30 am
    Recruiters face many challenges, but none as painstaking as processing resumes. Their inbox is always cluttered with a pile of resumes from various sources including candidates, employee referrals, job boards, vendors, etc. Now if you’re a recruiter, you’ll know exactly what I mean! The best news for you would be a parsing tool that can process resumes directly from your mailbox onto the database. That’s exactly why Zoho Recruit is excited to introduce – the Resume Inbox Cluttered mailboxes, hereafter, become a thing of past. The Resume Inbox can be configured in…
  • Secure Cloud Storage and Document Sharing with Zoho Docs

    Chinmayee Mishra
    20 Aug 2014 | 4:20 am
    Gone are the days when file security meant locking the drawer to your file cabinet to protect your sensitive documents. As we all know, today, most of our documents are created and saved online – but are they more secure now than in old file cabinets? Well, with the right precautions, they certainly can be. Cloud storage, online document sharing, and real-time collaboration are just some of the new document management technologies that offer businesses the ability to quickly and accurately generate professional documents that can be shared with colleagues, business partners and…
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    Cult Of Money

  • 4 Ways to Save Money While Wedding Planning

    Robert Farrington
    28 Aug 2014 | 1:15 am
    Planning a wedding can be a stressful, time-consuming, and expensive process. With so many small and large details to consider, it is really easy to become a frazzled bridezilla. And if you are struggling to keep to your budget, it can be even harder to keep a level head and actually enjoy the planning process. Continue reading for a few helpful tips that will show you how you can plan a wedding on a budget and still get everything you always dreamed of for your big day. Purchase a Used Gown Yes, you read that right. There are actually many shops and online stores, as well as former brides,…
  • 3 Creative Ways for the Outdoorsman to Earn Extra Money

    Alexa Mason
    27 Aug 2014 | 1:15 am
    My brother has been looking for a way to make money on the side. Being the idea gal I started scheming up possible side businesses for him. I immediately ruled out anything that had to do with computers or technology. He doesn’t touch computers or even understand how Facebook works. An online business wasn’t going to cut it. Since most successful side businesses are built around hobbies I had to think creatively. What could an outdoorsy, hunting obsessed, woods loving guy do for a side business? After a few quick searches I discovered several things that combined his two favorite hobbies:…
  • Active and Passive Job Search via the Internet: Which is Right for You?

    Robert Farrington
    26 Aug 2014 | 1:05 am
    How to look for a job on the Internet via the Internet? Now, in the modern age many people use the Internet. The Internet allows people to solve the problem (if you have it) – to search for a job through the Internet. Every new year finding a job on the Internet is becoming easier and easier- you can find a job that you will perform in real life and you can find a job in the Internet doing any activity there. To look for a job on the Internet is best at specialized sites where there are numerous vacancies and there is an opportunity to post your resume which will help the employers find…
  • Binary Options for Beginners

    Alexa Mason
    21 Aug 2014 | 6:27 pm
    Binary options are an investment vehicle that have been growing in popularity thanks to their quick returns. If you’re just getting started some of the terminology can be confusing. You’ll quickly learn though, that trading binary options is actually very simple. Here’s an overview of what you should be looking for and what you need to know when it comes to binary options. Choose a Trading Platform Before you can begin trading binary options you need to choose a platform. Not all trading platforms are the same so it’s important that you spend some time on this. Here’s what to look…
  • Late on Rent? 7 Ways to Make Money Today

    Alexa Mason
    20 Aug 2014 | 1:15 am
    It happened. You had more month than you did money. After some unexpected expenses popped up you’re now late on your rent. Yikes. You’ve only got a couple days to come up with the rest of your rent money. You need to make money fast. Here’s what to do. Sell Your Sh*t on Facebook Yard Sales Selling online can sometimes take days – especially if you’re trying to unload your junk on eBay or Amazon. Fortunately this isn’t the case with Facebook Yard Sales. In fact everything I’ve ever put up for sale on Facebook Yard Sales has sold within hours, not days. So go through your stuff…
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    PFhub - Business, Financial & Economic News

  • US Government Launches New Attack on Religion

    Angela Kaye Mason
    28 Aug 2014 | 2:49 pm
    Anti-Prayer Laws Imposed in the Bible Belt The attack on religious freedom is no new story, however, it continues to spread into new locations, including rural areas of the Bible belt, such as Dublin, Georgia. It was in this small town that on August 10th, literally hundreds of citizens rallied in support of their right […]The post US Government Launches New Attack on Religion appeared first on PFhub - Business, Financial & Economic News.
  • Social Media Users Refuse to Share Political Opinions: Study

    Andrew Moran
    28 Aug 2014 | 2:20 pm
    Since the advent of Facebook, Twitter and Instagram, social media users have been sharing the most personal and intimate details of their lives, such as what they ate for dinner, how many times they went to the bathroom, what they think of their date and how much they detest their supervisor. When it comes to […]The post Social Media Users Refuse to Share Political Opinions: Study appeared first on PFhub - Business, Financial & Economic News.
  • Judge Koh Rejects Apple Inc.’s Appeal to Ban Samsung Products in The US

    Kaitlin Longmire
    28 Aug 2014 | 10:40 am
    Apple Inc. (NASDAQ:AAPL) and Samsung, two of the world’s leading tech companies, have been battling against each other for over four years now. Both these tech giants decided to end this battle around the world but the war still wages in the US, the hub of technology. Apple Inc filed a law suit against Samsung […]The post Judge Koh Rejects Apple Inc.’s Appeal to Ban Samsung Products in The US appeared first on PFhub - Business, Financial & Economic News.
  • GDP Grows an Impressive 4.2% in Q2

    Andrew Moran
    28 Aug 2014 | 9:32 am
    The United States economy performed better than expected in the second quarter as the nation’s gross domestic product grew at an annual rate of 4.2 percent, compared to the initial four percent the Department of Commerce reported recently. Economists forecasted the revision to be 3.9 percent. The strong economic output can be attributed to stronger […]The post GDP Grows an Impressive 4.2% in Q2 appeared first on PFhub - Business, Financial & Economic News.
  • JPMorgan and Four Other Banks Attacked by Russian Hackers

    Andrew Moran
    28 Aug 2014 | 8:07 am
    Reports that Russian hackers have allegedly attacked JPMorgan Chase & Co. and at least four other financial institutions this month in a planned attack that led to the loss of an unknown number of gigabytes containing personal customer data. According to two of the people linked to the investigation, who did not reveal their identities, […]The post JPMorgan and Four Other Banks Attacked by Russian Hackers appeared first on PFhub - Business, Financial & Economic News.
 
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    Finance and Money Savings Tips

  • Tips For Students Heading To College This Fall To Find The Right Credit Card Offer

    4 Aug 2014 | 10:18 am
    Graduating college is an exciting time in one’s life. However, going into the world with a degree in hand and no credit can present its challenges. Moving into your own place for example could be costly with high deposits, or you could be denied all together without a credit history. Even starting up utilities or Internet, TV, and phone service could cost you a hefty deposit. Without a credit history, companies cannot assess how credit-worthy you will be going forward and must assume you may be a high risk. As a result, many of them will require a deposit to protect their interests. In…
  • Living Paycheck to Paycheck Increases Potential For Poor Financial Decisions

    2 Apr 2014 | 7:11 am
    Living paycheck to paycheck leaves people vulnerable to financial disaster. The biggest problem is the future uncertainty that this presents should a life altering event take place. Employees think they are safe in their job and have no risk of unemployment. This mindset deceives them into managing their money in a careless manner. They do not feel the threat of financial troubles because they are use to a regular paycheck. Basically, they take this regular check for granted. As a result, they spend every cent they earn as fast as they can. It is a sense of entitlement. They think if they…
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    Wealthy Turtle

  • Will You Be the Next Entrepreneur Success Story?

    Mike Collins
    21 Aug 2014 | 4:13 am
    Are you sick of the rat race? Tired of your boss barking orders at you? Thinking of telling them all to “shove it” so you can start your own business and answer to no one but yourself? You’re not alone. Millions of people dream of going into business for themselves and becoming the next great entrepreneur success story. The United States has long been a nation of innovators and entrepreneurs, dating back to the days when steel and railroad tycoons ruled the world. With every new generation, seemingly ordinary people step forward with brilliant ideas that change the world. Some of the…
  • These Buyer Incentives Will Get Your Home Sold Fast

    Mike Collins
    18 Aug 2014 | 2:38 am
    A decade ago ago selling your home couldn’t have been easier.  Prices soared in what was a true buyer’s market and competition among buyers was fierce.  It wasn’t uncommon to see a bidding war push the sale price tens of thousands of dollars over the initial asking price.  Buyers were practically falling all over themselves to make a deal. Those days are over.  When the housing bubble burst in 2005, selling a home became a lot more difficult.  And while some real estate markets have recovered nicely, most sellers still need to go the extra mile if they want to get a quick…
  • Friday Fun

    Mike Collins
    15 Aug 2014 | 3:01 am
    Ahhh, Friday.   Is there anything more glorious than knowing the weekend is about to begin and you can unshackle yourself from the 9 to 5 doldrums and have some fun? Whatever you have planned for this weekend I hope you have a smashing time! As a new feature at Wealthy Turtle, I’ve decided to make Fridays a little more fun and relaxing by sharing some of the cool stuff I find during the week. I figure I’ll share my Top 3 reads of the week (usually related to money but once in awhile I’ll toss in something just for fun) and a video or something else that caught my eye.
  • What is a 401k Plan and How Does It Work?

    Mike Collins
    13 Aug 2014 | 3:00 am
    You’ve probably heard the term 401(k) a thousand times before and you might even have some of your money invested in one, but how much do you really know about it?   Perhaps you don’t even realize that you’re eligible to participate in a 401(k) plan.  Or maybe you are eligible but you don’t know anything about it and you aren’t sure if it is worthwhile. What is a 401(k) plan anyway? In today’s article we’re going to apply the old journalist method of answering the five Ws to help explain a topic.  By the time you read the who, what, when, where, and why you’ll have…
  • Backyard Projects and Wish List

    Mike Collins
    11 Aug 2014 | 6:18 am
    My daughter Gabriella is turning ten later this month and we’re planning a small backyard party for her.  it’s nothing out of control, just the family and a couple of close friends over for an afternoon of socializing over some expertly grilled burgers and dogs. The other night my wife and I sat outside going over the details of Gabby’s party and we started looking around the yard and thinking of all the things we’d like to do to it.  This is our third summer in the house and we’re making it all our own little by little. When we moved in back in July of 2012 we weren’t in a rush…
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    Bank On Yourself

  • Are we living in the United States of Amnesia?

    Pamela Yellen
    27 Aug 2014 | 10:06 am
    It was announced that more than $1 trillion has been added to the value of American equities since the stock market hit a two-month low on August 7th. Americans’ wealth has reached a record high, thanks to a surge in the value of stocks and homes. I’m sorry to be the bearer of bad news, but here’s a news flash: You haven’t made a penny in the stock OR real estate market! We’ve been here before… Just like those glowing reports about how much Americans’ wealth had ballooned prior to the last financial crash, the new reports are pure fiction. Until you…
  • A Special Message for Women Who Want to Be Financially Independent

    Pamela Yellen
    22 Aug 2014 | 9:30 am
    Free Bonus Report when you subscribe to the Women’s Financial Edge I was really excited when one of the largest consumer newsletter publishers in the world, Agora Publishing, asked me to be the Editor-In-Chief of The Women’s Financial Alliance, a new publishing franchise dedicated to helping women grow their wealth safely and enjoy a richer lifestyle. We launched a free e-letter – The Women’s Financial Edge – at the beginning of May, and it’s being extremely well received. We’ve already been featured in USA Today, CNBC, Huffington Post, The Detroit Free Press…
  • 30 Reasons Not To Worry About A Market Crash

    Pamela Yellen
    21 Aug 2014 | 9:06 am
    My favorite financial journalist is Brett Arends, a regular contributor to The Wall Street Journal and MarketWatch. He’s one of the very few who doesn’t have his head up his you-know-what. Anyhow, Brett just published a tongue-in-cheek article about all the reasons the stock market is just going to keep going up and up. And I strongly encourage you to read it here. Some of my favorites of Arend’s 30 reasons not to worry include… Yes, stocks look expensive compared with annual sales, net asset values, gross domestic product, the replacement cost of company assets, and…
  • Pamela Yellen Named Top Personal Finance Influencer

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

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

  • Weekly roundup: Long weekends and Labor Day

    Kristina
    29 Aug 2014 | 2:00 am
    Good morning Dinks and Happy Friday.  Well it’s Labour Day weekend and you know what that means, our summer is officially coming to an end.  I had a great summer this year and I’m definitely sad to see it go, but I also have a great Fall lined up so I’m really excited for the leaves to change. This weekend I’m headed home for a family picnic, next weekend I’m headed to Philadelphia for four days and after that I’m off to New Orleans for FinCon. I look forward to meeting you all at FinCon and I’m really excited to visit The Big Easy. I have a list of…
  • Ask a CFP: What’s an ETF?

    Kristina
    28 Aug 2014 | 2:00 am
    Good morning Dinks.  Since the market crash in 2008 everyone is trying to save money whenever and where ever possible.  People want discounts on their food, need coupons for their household goods and search for the lowest fees on their investments.  So let me ask you a question, has your investment style changed since the market crash? The market crash forever changed how investors think As a financial planner I have seen a shift in investor behaviour over the last six years.  After the crash investors wanted security because they were afraid of losing more money.  People lost their…
  • Venus and Mars and Shopping

    Kristina
    27 Aug 2014 | 2:00 am
    Good morning Dinks.  Today we’re featuring another post in our Venus and Mars series.  As one half of a couple I have to say that the differences between men and women are astonishing.  Yet we continue to leave (somewhat harmoniously) together here on Earth.  I used to think the difference of opinions in my relationship were a Kristina vs. Nick thing, but now that we have been together several years I am realizing that they’re actually a man vs. woman thing. One of the biggest areas in our relationship that we tend to both agree and disagree on is how we spend money…
  • Ask a CFP: What’s the difference between a financial planner and a stock broker

    Kristina
    25 Aug 2014 | 2:00 am
    Good morning Dinks.  As a financial planner I see all kinds of clients.  When I tell you that everyone is unique it’s true.  Every time someone comes to see me they have a reason why they want to invest – trust me, I hear all kinds of stories from clients.  My job as a financial planner is to listen, give advice and build long term relationships with my clients. Sometimes clients come to see me to invest money in a particular stock because their neighbor told them to and they want to know if it’s a good idea.  Sometimes finance graduates come to see me to invest in…
  • Weekly roundup: The Lion King and Long Distance Relationships

    Kristina
    22 Aug 2014 | 2:00 am
    Good morning Dinks and Happy Friday.  This week I saw The Lion King live in theatre and I have to tell you – what an amazing experience!  Have you seen it?  I love going to watch live theatre and Disney does theatre like no other. What’s your favorite play/musical? Enjoy these great posts from our friends. Sustainable Family Finances – AirBnB Curious? Broke Millennial – FICO Score Changes Could Help Millions of Americans Budget Blonde – How to Afford a Long Distance Relationship Wise Dollar – How to Build Credit from Nothing Club Thrifty – How I…
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    Wallet Hub

  • 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…
  • The Economy, Midterm Elections & Personal Finance: What’s in Store for Your Wallet?

    John S Kiernan
    7 Jun 2014 | 5:24 am
    Posted by: John S Kiernan With midterm elections just around the corner and the economic recovery finally gaining steam, the big question confronting America is whether Washington will still be gridlocked in 2015. In the past few years, we’ve witnessed incessant quarreling in Congress that’s hampered worthwhile legislative action. 2013 was an especially rough year. Remember the government shutdown in October? The fiscal cliff scare that lifted us all from our seats the very first day of the year? Let’s not forget the historic altering of filibuster rules. So many memorable moments. So…
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    Student Loan Calculator, Pay off student loans | Student Loan Hero

  • 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 – […]
  • Student Loan Hero Featured on Hallmark Channel

    SLH Staff
    4 Aug 2014 | 6:53 am
    Producers at The Hallmark Channel decided to have a follow-up episode discussing student loan options. Student Loan Hero was mentioned as a great finance tool to help borrowers aggregate and find student loan information to manage and build a student loan repayment plan. Check out the episode on the Hallmark Channel here.
  • Student Loan Deferment and Forbearance: How to Pause Your Student Loan Payments

    Andrew Josuweit
    30 Jul 2014 | 7:39 am
    If you’re saddled with student loan debt and struggling to make monthly payments, there are 2 short term repayment options to help manage your federal student loan debt: Student Loan Deferment and Student Loan Forbearance. 1) Student Loan Deferment Student Loan Deferment is a federal repayment option that allows you to pause student loan payments […]
  • How to Consolidate Student Loans

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

  • Why 5 out 4 Americans can’t do math in personal finance

    Robert
    25 Aug 2014 | 3:51 am
     Repossessed automobiles, foreclosed homes, and bankruptcies are extreme examples of why 5 out of 4 Americans can’t do math in personal finance. Of course the statement “5 out of 4″ doesn’t make sense, but the intent is to drive home an important point. Most Americans are broke, and the reason they are broke is because they do stupid things with money. If most Americans did math when it came to personal finance, then they would not be broke. I define broke as living pay check to pay check, having a significant amount of consumer debt, and very little to no…
  • Why I Got Out of Consumer Debt

    Robert
    18 Aug 2014 | 3:34 am
     When I initially got on the financial plan that led us out of consumer debt, my first intention wasn’t really to become debt free, it was to get a better handle on money. Back in 2008, my wife and I were getting sick and tired of having a joint six-figure income, yet a checkbook balance $50. How could this be? Where is our money going? I am a simple man, I needed a blueprint that works, and I don’t have the patience for too much detail. That is when I found what I was looking for. Dave Ramsey’s “Financial Peace University” and his book, “The Total…
  • Another Lesson from Yoda, Becoming Debt Free is Possible, Unlearn What You Have Learned

    Robert
    11 Aug 2014 | 4:00 am
     This post was originally published on 10/22/2012. It is time to break out some more Star Wars themes. If you recall, a few months ago, I posted,”A lesson in personal finance from the Jedi Master Yoda. This continues to be my most popular post based on the number of  page views. Well, once again, I will attempt to convey a message about personal finances using a scene from the Star Wars series. In the “Empire Strikes Back,” The Jedi Master Yoda teaches Luke Skywalker how to use the force. Yoda chastises Luke for being cynical and tells him he has to “Unlearn what…
  • Build a Cash Flow Management Plan in 30 days (That Works) Part 5

    Robert
    4 Aug 2014 | 1:35 pm
     Having a purpose, gathering data, organizing, and balancing your budget are necessary steps in building a cash flow management plan. Now, we get to the last step; implementation and tracking your money. You have arrived at step 5 in building a cash flow management plan that works. The previous four steps were: Create a purpose for your budget; the why. Gather and track your spending over a 30 day period Organize and categorize your data Create and balance your budget to ZERO (income minus expenses should be zero) on paper Now you have your budget , hopefully you have agreed on it with…
  • Build a Cash Flow Management Plan in 30 days (That Works) Part 4

    Robert
    28 Jul 2014 | 3:30 am
     Making your cash management plan balance to ZERO (goal setting) is the next step in building a cash flow management plan in 30 days. This can be done after you have followed these steps: Determine why you want to create a plan Gather data over 30 days to determine where your money is going Categorize the data and come up with a grand total of expenses and income Before you start using fancy software, I recommend that you use a plain sheet of paper or use a a monthly cash flow plan form. At the top of the page, of a blank sheet of paper, write down your monthly net income. Next,…
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    Modest Money

  • 5 Reasons to Trade Binary Options Online with Nadex

    Adam
    28 Aug 2014 | 6:15 am
    Do you follow the news? Do you want to take action on your opinion of the financial markets? Are you fed up of the high fees associated with traditional money managers? If so, trading binary options with Nadex might be for you. With a wide array of markets, capped fees, and a trading instrument which clearly defines risk and reward, traders can truly put their knowledge to the test.  All with a Chicago-based, US-regulated binary options provider. Binary options offer a simple way to make a prediction about what will happen in the financial markets. There is a wide range of contracts to trade…
  • Balance Your Business Cash Flow

    Adam
    27 Aug 2014 | 6:15 am
    No one knows better than a business owner how difficult it is to maintain cash flow to cover your expenses and plan for the future. It is a constant struggle for some to make sure that funds coming in exceed those going out. Business finances can be such a dizzying thing to keep track of that this should come as no surprise. Below, we’ve listed simple tips to keep your accounts on track in all circumstances. Payment automation, small business loans, and segmented payments are just a few of the methods we discuss here. Whatever your complex needs, Citizens Bank can help you manage and grow…
  • Get Justice If You’ve Been Financially Wronged

    Adam
    26 Aug 2014 | 6:15 am
    The following is a guest post about justice. If interested in submitting a guest post please read my guest post policy and then contact me. A few years ago I was involved in a hit and run car chase. I was the one chasing! I was innocently driving to work one morning in my small Ford, taking a short cut through a built up residential area rather than using the main roads in a bid to cut out some traffic. All of a sudden, I noticed a large black Subaru closing in behind me. This Subaru was literally trying to get into the boot of my car, it was driving so close. Because I was in a built up…
  • Corporate Social Responsibility Changing the Face of Business

    Adam
    25 Aug 2014 | 6:15 am
    “Greed is good,” declared Gordon Gekko in the famous movie, Wall Street, and, throughout the 1980s, that may have been true; most customers weren’t concerned about the results or consequences of their purchases. They bought products regardless of the company’s reputation and didn’t bother learning about how they were made or who manufactured the product. But times have changed; there is a growing demand among both consumers and stockholders for complete disclosure of how things are made, whether the companies are conducting themselves in a moral fashion, and whether companies are…
  • Carnival World MasterCard Review

    Adam
    22 Aug 2014 | 6:15 am
    This Carnival credit card is an excellent choice for those planning to cruise with Carnival, Holland America, or Princess Cruiselines. Carnival is the largest cruise line in the world, offering service to many of the globe’s most exciting and exotic locales. For cruise lovers, this Carnival MasterCard offers a bevy of “fun points” right out of the gate, after an initial purchase and balance transfer. Apply for the Carnival World MasterCardStart earning free cruises now! Carnival World MasterCard Short Review This MasterCard offers fairly low barriers for entry, including a low APR, many…
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    Take A Smart Step

  • How to Fund a Small Business

    Andrea
    26 Aug 2014 | 2:00 am
    Watch the YouTube video: How to Fund a Small Business Ready to start a new business? Looking for money to grow your existing business? You can find the money to accomplish both without taking out loans.  Here are some things you can do to find the money to grow you business. Lower Personal Expenses & Save The lower your expenses are the less you need to make to cover your expenses!  Then all the extra money can go to growing your business!  If you have not started a business yet, you can use those funds to grow a savings account that you can live on when you do start your business.
  • How Doing Yoga Can Save You Money

    Andrea
    5 Aug 2014 | 2:00 am
    I love yoga. Especially because it calms my mind and helps me improve my balance. Both of which I find highly important to be able to successfully age while being independent. Imagine my surprise and excitement, when I learned that yoga could also help me make better purchasing decisions.  (Journal of Marketing Research) Yes you read that right – yoga can help you make better purchasing decisions. I get into some of the how here in this video and give you some ideas on how to apply some of these ideas without doing yoga right before you go to the store! How are you going to apply these…
  • Are You a Good Candidate for Financial Coaching?

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

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

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

  • The Basics of Last-Minute Labor Day Travel

    Matt Ong
    29 Aug 2014 | 5:00 am
    As summer fades into fall, it’s not too late to plan a last-minute Labor Day getaway before you settle into school and work routines. If you’re flexible on the length of your trip or even your destination, you can find deals on flights and accommodations. And if you’d rather hit the road, gas prices will be in your favor. With these money-saving tips, you can bid summer an affordable farewell with a little adventure. How to get there Every year, airfares drop around the end of summer. You can reduce your ticket price significantly if you add a layover to your itinerary. Don’t…
  • Why Certain Products Are On Sale for Labor Day

    Matt Ong
    29 Aug 2014 | 4:00 am
    Every year, Labor Day deals boast price cuts on items such as mattresses, grills, washing machines and more. While the changing seasons may explain the clearances on some items, the rationale for the bargains isn’t always so obvious. Before you hit the stores for Labor Day shopping this year, find out why retailers mark down certain items above others. Hello Fall, Goodbye Summer As summer turns to fall, stores want to clear out their seasonal inventories to make way for new products. Popular items for Labor Day sales include outdoor furniture, backyard grills and lawnmowers. Other…
  • Labor Day Shopping vs. Cyber Monday Shopping

    Matt Ong
    28 Aug 2014 | 4:29 pm
    For shoppers, Labor Day and Cyber Monday can lift the usual Monday morning drag with great deals on their favorite products. Labor Day, the first Monday in September, celebrates the American laborer and the labor movement. A hallmark of celebrating this historical event, which began in the 1880s, has been consumerism and shopping, marking the end of the summer season with blowout sales. Cyber Monday, a recent addition to the American shopping calendar, is the online shopping day after Black Friday.  This “holiday” was created by the retail industry to keep the post-Thanksgiving weekend…
  • Pre-Labor Day Sales Kick Off Savings Early

    Matt Ong
    28 Aug 2014 | 1:59 pm
    When does Labor Day start in August? When it involves shopping. Retailers across the country are offering considerable Labor Day discounts on a wide array of merchandise well before the first Monday in September. NerdWallet Shopping and DealFinder have rounded up some of the best sales that you can start taking advantage of right now. This year, merchandisers are rolling out discounts earlier, and offering them for longer, in an attempt to move out summer merchandise and make room for fall and winter necessities. You can take advantage of this trend and start shopping – and saving – with…
  • Bank Hacked Prescription: Take These Steps for Self-Protection

    Teddy Nykiel
    28 Aug 2014 | 1:57 pm
    Consumers concerned about the safety of their bank and credit accounts should take defensive and proactive steps right away to protect their financial well-being if hackers have attacked. And these days, that seems to include just about everybody. Last year alone, more than 13 million Americans were victimized by identity fraud, according to Javelin Strategy & Research in Pleasanton, Calif. More recent data breaches at major U.S. financial institutions and retailers have exposed potentially millions more. Russian hacker attacks on JPMorgan Chase and at least four other banks in August…
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    The Truth About Credit Cards.com

  • Chase Freedom Is Getting Rid of the 10% Annual Points Bonus

    Colin Robertson
    20 Aug 2014 | 12:53 pm
    Do you have a Chase checking account and the Chase Freedom credit card? If so, you get a nice little 10% annual bonus on all your points earned throughout the year. So if you earn 100,000 points throughout the year, you’ll get another 10,000 on the house, just for being a Chase checking customer. That’s [&hellip
  • Why You Should Chase Credit Card Rewards, Not Bank Bonuses

    Colin Robertson
    8 Aug 2014 | 11:32 am
    There are two easy ways to make money in the financial world. And no, I’m not talking about stocks and bonds. I’m referring to credit card rewards and bank bonuses. And while both can be quite lucrative, all for doing very little work, there is an important distinction you should be aware of before going [&hellip
  • Credit Cards That Waive the Annual Fee the First Year

    Colin Robertson
    4 Aug 2014 | 12:11 pm
    Often times, it is credit cards with annual fees that offer the best sign-up bonuses and cash back. After all, they’re offering you something other issuers won’t, so they need to recoup some of the associated loss. Unfortunately, this causes a bit of a catch-22, seeing that the cardholder will want the credit card but [&hellip
  • Yes, It’s Possible to Get Two Chase Ink Cards and Earn Two Separate Bonuses

    Colin Robertson
    30 Jul 2014 | 11:32 am
    One of the best credit card sign-up bonuses in existence is the 50k point offer from Chase Ink. But to make the deal even sweeter, Chase offers three different versions of Ink. Two of the three, Chase Ink Bold and Chase Ink Plus, offer the 50k sign-up bonus. The other one, Chase Ink Cash, only [&hellip
  • How to Get the Isis Version of American Express Serve

    Colin Robertson
    29 Jul 2014 | 3:46 pm
    This post should be filed under “frustrating and extremely annoying” because that’s how hard it is to get the Isis version of American Express Serve. Before I get into the how of it, the reason you should want the Isis version of Serve is because it comes with higher monthly load limits and no monthly [&hellip
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    Moneycation

  • Defined benefit – Who benefits the most?

    A.W. Berry
    29 Aug 2014 | 5:00 am
    Annuity purchases are not required for defined benefit pension plansWith this type of pension, you will receive a set, guaranteed level of income without the need to purchase an annuity. This will relate directly to your salary when you retired and the amount of time that you paid in to the scheme. This is where the common name for this type of pension comes from: you receive a defined amount of benefit, based on your final salary. There is no need to purchase an annuity.It works on an accrual basis over the period of time you hold the pension plan. This takes the form of a fraction, and will…
  • Financial news: August 29, 2014

    A.W. Berry
    29 Aug 2014 | 3:00 am
    • Bloomberg: Retirees 65+ with mortgage debt rose 8% to 30% between '01-'11• NYT: U.S. banks including J.P. Morgan were infiltrated by hackers in August• BI: U.S. corporations have $1.7 trillion in cash on balance sheets per research• NAR: Pending home sales rose 3.3% in July per index of 105.9• MW:  Real estate investment as a percent of GDP has been below average• AP: The majority of Americans feel their job security is at risk per survey• CNBC: The S&P 500 is near a top due to drop in buybacks & stimulus• CNN: AAPL, GE, MSFT, PFE, MKGAF, IBM & J&J have…
  • Essential elements of corporate training

    A.W. Berry
    28 Aug 2014 | 7:00 am
    By Margaret Jones Corporate training is one way to improve an employee's skills and enhance his performance by focusing on professional development. Employers use this training to help new employees adjust in the new environment, teach new skills to current employees and move employees to jobs that require different skill sets. This training can be specially designed for a business or it can be general corporate training that can be beneficial for the employees of any business. Many companies have an entire department dedicated to corporate training. This department focuses on the skill…
  • A look at Toyota's corporate history

    A.W. Berry
    28 Aug 2014 | 5:00 am
    Toyota Motor Co. turned 77 years old today. The company's legacy and brand equity is built on a history of progressive engineering, expansionist production goals and a product line that has adapted to meet changing market demands and regulatory requirements. Toyota has done this despite a 62.7 drop in car production that was related to the 2011 Tsunami in Japan. The company has also overcome costly vehicle recalls of 11 million automobiles in 2009 and 2010. This infographic celebrates the 77 years of this automotive giant and charts some of its history and background. Source: Woodstock…
  • Financial news: August 28, 2014

    A.W. Berry
    28 Aug 2014 | 3:00 am
    • Bloomberg: Harvard alumni find fault with endowment's managerial compensation• CBO: The federal government will overspend by $506 billion in FY 2014 • NYT: U.S. GDP growth forecast at 1.5% for 2014; below prior WB & IMF estimates• ZH: Criminal justice & business degrees near 60% underemployment per PayScale• MW: Financial analysts urge caution over Facebook's high stock valuation• DOL: Jobless claims 08/23; 298K down 1K; average 299.75K, down 1.25K• AP: New SEC regulation offers clarity on debt rating conflicts of interest• CNBC: J.P. Morgan favors cyclical stocks in…
 
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    LCF on Personal Finance

  • You won’t believe how easy it is to Tame Materialism

    ChingFoo Lieu
    25 Aug 2014 | 6:55 pm
    We’ve all been there – yes? I am referring to temptations to progressively higher levels of materialism. And if you’ve earned and lived for quite a while, admit it deep down inside that acquiring stuff doesn’t make you happier in the long run. In fact, sometimes you feel guilty especially when loads of cash are involved in one single purchase. But just what keep us happy? Most of us know it’s all about a highly valuable life. However, society dictates a highly valuable life entails bigger houses, bigger cars, luxury good, etc. In fact, it’s just human to…
  • Life Employment versus Life Employability – a Fresh Perspective

    ChingFoo Lieu
    18 Aug 2014 | 8:13 am
    Although this post is not directly about personal finance or financial freedom, it is absolutely relevant in improving our net worth in our wealth accumulation journey and financial wealth being. An article from one of the columnists in Focus Malaysia, Winslow Wong - somewhere in mid Aug 2014. The Shift In the last decade or so, there has been a fundamental shift from lifetime employment to lifetime employability. People want to know that no matter what happens to their current employers, they’ll be able to secure another job somewhere, ideally with equivalent and no lesser pay. And…
  • To Delay is Human but to Will is Divine – Interview with Peter Lee Part 2

    ChingFoo Lieu
    9 Aug 2014 | 11:49 pm
    I really pray and hope people open up their mind. If people say – “I don’t want to do it” or “Not interested” without even listening, remember it’s NOT for me. I tell them – “Let’s be fair to yourself and your family. If you don’t like what you hear – you can then walk away. You listen also free, you walk away also free of charge, so what’s the downside of listening? Would it do any harm to you?” The above is what Peter Lee would tell you if your problem is close-mindedness when it comes to estate planning.
  • The Changing Landscape of Financial Planning Industry in Malaysia

    ChingFoo Lieu
    3 Aug 2014 | 8:12 pm
    Financial planning is too common of a word nowadays. The public gets confused because your unit trust agent, banker and insurance agent also can call themselves financial planner. Those who had bad encounter with one or more of these financial agents will be skeptical of the so-called “financial planners”. So here, I break it down into very layman terms – what it means to be a financial planner cum adviser in its true meaning versus tied agents who use the same term nonchalantly. Licensed Financial Adviser/PlannerTied Financial AgentExamples Minimum Qualifying RequirementsA…
  • To Delay is Human but to Will is Divine – Interview with Peter Lee Part 1

    ChingFoo Lieu
    28 Jul 2014 | 9:19 pm
    Peter Lee is a man with mission. He wants to see more Malaysians write their wills to protect their families who are left behind. He walks the talk – if you see him in Ipoh, chances are his car will “strike” you from afar before you see him (see picture below). Will writing used to be a taboo subject but it isn’t now. The problem now is procrastination, the classic “Wait and See’ attitude. After all, we are all humans anyway and hence the title of the his book – To delay is human, to will is divine. Peter started off as a Company Secretary in 1988.
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    Money Soldiers

  • 5 Reasons We Still Need Fax Services (But Not Fax Machines)

    Arnel Ariate
    26 Aug 2014 | 8:16 am
    Traditional fax machines and services are fast fading.  Small businesses are rapidly switching to alternative messaging methods because they are quick and convenient.  This, however, doesn’t mean that faxing as a service is outdated or irrelevant.  If anything, they are becoming even more entrenched in the business and health sectors. Only this time, they have […]5 Reasons We Still Need Fax Services (But Not Fax Machines) is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Find Your Job Online

    Arnel Ariate
    25 Aug 2014 | 8:40 am
    There are several basic job search techniques.  In recent years one of the most effective ways of finding work has become the use of employment sites or, as recruiters say, job sites or “working” sites. According to our data, there are more than a thousand sites where you can post and search for jobs in […]Find Your Job Online is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Online Coupon Codes: Do They Have Any Disadvantage?

    Arnel Ariate
    21 Aug 2014 | 12:25 am
    In spite of the surge in the popularity of coupon codes (for online shopping), there are many of us, who are still a bit skeptical about using them.  Today, within the scope of the post we will try and discover, the variant pros and cons of these coupon codes so that readers can make an […]Online Coupon Codes: Do They Have Any Disadvantage? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Instant Payday Loan Benefits to be Aware Of

    Arnel Ariate
    18 Aug 2014 | 11:14 pm
    The next time you need cash and you need it fast, instant payday loans have to be considered.  We are talking about a payday loan type that is quite new on the market but that is highly effective.  Traditional loan methods were not at all as beneficial as those that are available at the moment. […]Instant Payday Loan Benefits to be Aware Of is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • What is the Best Way to Consolidate Your Debt?

    Arnel Ariate
    16 Aug 2014 | 6:45 pm
    No matter what any of the personal finance books tell you, having debt isn’t something that you should feel ashamed of.  Don’t sweat it.  Most of us have had to take out loans for school or have had to live on credit cards for a while between jobs.  What matters is how you approach your […]What is the Best Way to Consolidate Your Debt? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • How Much Retirement Does $1 Million Buy?

    Jason Hull
    28 Aug 2014 | 5:00 am
    “If it weren’t for baseball, many kids wouldn’t know what a millionaire looked like.” –Phyllis Diller One of the most commonly asked questions I get as a financial planner is “when can I retire?” followed by “how much money do I need to retire?” The answer, of course, is “it depends.” How much you need […]Learn to beat your Monkey Brain and Accelerate Retirement. How Much Retirement Does $1 Million Buy? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: A Million Dollars Ain’t Worth a Nickel Anymore, or is It? If…
  • Twentysomethings: You Have an ENORMOUS Asset! Do You Realize It?

    Jason Hull
    21 Aug 2014 | 5:00 am
    Most recent college graduates feel like they don’t have a dime to their names. They probably have an old beater car, some second-hand furniture – or, better yet, cardboard boxes and milk crates – and probably a hefty student loan debt from their friends at Sallie Mae. They may be getting a paycheck at the […]Learn to beat your Monkey Brain and Accelerate Retirement. Twentysomethings: You Have an ENORMOUS Asset! Do You Realize It? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Asset Allocation for Early Retirees Four Reasons Why Asset Managers…
  • Can You Handle a Windfall?

    Jason Hull
    14 Aug 2014 | 5:00 am
    “Die and endow a college or a cat.” –Alexander Pope I have clients who have received a substantial windfall and they bring me on to help them navigate the blessing that a windfall means and avoid turning it into a curse. When we read stories of the people who win the lottery only to wind […]Learn to beat your Monkey Brain and Accelerate Retirement. Can You Handle a Windfall? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: If You’re Waiting for an Inheritance, You Are a Sick, Entitled, Teat Sucker Where’s Waldo? My Recent Appearances…
  • Another Evaluation of an Indexed Universal Life Insurance Policy

    Jason Hull
    7 Aug 2014 | 5:00 am
    Several months ago, I provided an evaluation of an indexed universal life insurance (IUL) policy. In the comments, I said that if any insurance agent could come up with a policy that met the standard of beating term + invest the rest when aftcast using the guaranteed levels provided in the policy, I’d change my […]Learn to beat your Monkey Brain and Accelerate Retirement. Another Evaluation of an Indexed Universal Life Insurance Policy is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How Instagram’s New TOS is Like an Indexed Universal Life…
  • Personal Finance is Not About What You Can’t Have

    Jason Hull
    29 Jul 2014 | 3:23 am
    “Denial isn’t just a river in Egypt.” –Stuart Smalley There was once a time when I pretty much turned a blind eye to what was happening with my personal finances. Well, I didn’t turn a blind eye. I at least paid the minimum payment on my credit card and invested money in my IRAs, but […]Learn to beat your Monkey Brain and Accelerate Retirement. Personal Finance is Not About What You Can’t Have is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Denying Yourself Doesn’t Work In Diets or Personal Finance The Personal Finance…
 
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    Listen, Money Matters!

  • Gratitude is the Currency of Life (Ep. 158)

    Candice Elliott
    29 Aug 2014 | 3:00 am
    Money is the currency of living but gratitude is the currency of life. WTF does that mean? We'll let Andrew explain it because we don't know either. The post Gratitude is the Currency of Life (Ep. 158) appeared first on Listen, Money Matters!.
  • The Benefits of Networking (Ep. 157)

    Candice Elliott
    28 Aug 2014 | 3:00 am
    Networking is a buzzword but that doesn't mean it isn't a valuable tool. Learn how doing it right can help advance your career. The post The Benefits of Networking (Ep. 157) appeared first on Listen, Money Matters!.
  • Debt Free College Grad with Shanice Miller (Ep. 156)

    Candice Elliott
    27 Aug 2014 | 3:00 am
    Despite the dire warnings, it is possible to graduate college free of debt. Shanice Miller will tell us how to do it. The post Debt Free College Grad with Shanice Miller (Ep. 156) appeared first on Listen, Money Matters!.
  • What the F**k is an ExPat with David McKeegan (Ep. 155)

    Matt Giovanisci
    26 Aug 2014 | 3:00 am
    David McKeegan talks with us about the benefits of becoming an ExPat and dodging American tax laws by traveling the world. The post What the F**k is an ExPat with David McKeegan (Ep. 155) appeared first on Listen, Money Matters!.
  • You Need a Budget (YNAB) with Jesse Mecham (Ep. 154)

    Matt Giovanisci
    25 Aug 2014 | 3:00 am
    We chat with Jesse Mecham, the CEO of YouNeedABudget.com (YNAB) about his very smart approach to budgeting. The post You Need a Budget (YNAB) with Jesse Mecham (Ep. 154) appeared first on Listen, Money Matters!.
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    Equifax Finance Blog

  • The Tax Implications of Renting Out Your Home

    Eva Rosenberg
    29 Aug 2014 | 5:24 am
    On a recent weekend, I visited the Malibu, Calif. area for brunch and a play. The restaurant had a rack of freebie publications, including a glossy homes-for-sale magazine. Wow! The homes and estates stunning—and so are the prices. The advertised monthly rental prices for Malibu homes and estates ranged from $20,000 to $100,000 per month. Renting out your second home, or even a few rooms in your main home, can be a great source of income, but there are tax implications to consider. Depending on when, how, and how often you rent your home, the tax issues can be simple or extremely complex.
  • How Does My Credit Score Impact My Interest Rate?

    Equifax Experts
    28 Aug 2014 | 1:19 pm
    A low credit score can really cost you. Lenders use a credit score to assess your credit risk as a borrower. There are many different credit scores, and lenders may use one or more scores when considering a credit application. Whether you’re purchasing a home, buying a car, or applying for a new credit card, your credit score can be the difference between a manageable interest rate and a rate that’s sky-high. Over the term of your loan—or the number of months you carry a balance, in the case of a credit card—you could wind up paying thousands of dollars more in interest than someone…
  • There’s a Mistake on My Credit Report—What Should I Do?

    Equifax Experts
    28 Aug 2014 | 1:16 pm
    Your credit score is calculated using the information in your credit report, so it’s important that everything listed is correct. If your credit report incorrectly shows missed payments, collections, or judgments, your credit score could drop and make it difficult—if not impossible—for you to open new lines of credit. The trouble is that many people don’t review their credit history until they’re about to make a big purchase. By then, it might be too late to address any problems. Take Marcela and her husband Ricardo, for example. In January, the 36-year-old newlyweds decided the…
  • How Long Information Remains on Your Credit Report

    Equifax Experts
    28 Aug 2014 | 1:14 pm
    If you faced unexpected financial hardship during the Great Recession, you’re not alone. Millions of Americans found themselves unemployed or struggling to make ends meet. Today, many of those same people are working hard to rebuild their damaged credit. In 2007, Paul, a 44-year-old sales manager living in Atlanta, was one of 50 people laid off from his produce company. He and his family were forced to file for bankruptcy as a result. He has since found a new job and gotten his financial life back on track, but he was recently surprised and frustrated to learn that he could not get approved…
  • Three Tips for Setting Your Financial Goals

    Equifax Experts
    28 Aug 2014 | 1:10 pm
    Are you saving for retirement or trying to pay off a credit card? It’s important to make financial plans, but they can sometimes seem daunting and hard to tackle. No matter what you want to accomplish, setting realistic goals should be your first step. By crafting a plan you can actually follow—and regularly updating it as life changes—you may be able to reach your goals faster. Unfortunately, this is often easier said than done. Katie, a 31-year-old marketing manager, and Jerome, a 31-year-old teacher, were overwhelmed by the amount of work they had to do on their finances. The couple…
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    Bargains with Brittanie

  • Adorable Birthstone Necklace only $6.95 + Free Shipping from Cents of Style!

    Brittanie
    22 Aug 2014 | 8:21 am
    It’s Fashion Friday and yet again Cents of Style is offering a great deal! Today Only you can get this an adorable birthstone necklace for only $6.95 + Free Shipping! These necklaces are normally $19.95 each but today when you use promo code FASHIONFRIDAY you will receive it for only $6.95 and free shipping. In […] The post Adorable Birthstone Necklace only $6.95 + Free Shipping from Cents of Style! appeared first on Bargains with Brittanie.
  • Kohl’s Lowest Prices of The Season + Coupon Codes to Stack

    Brittanie
    22 Aug 2014 | 8:00 am
    If you are wanting to get some weekend shopping done then listen up. Right now Kohl’s is hosting their Lowest Prices of The Season Sale! During this sale you can save a ton on clothing, shoes, accessories, items for your home and more! Plus there are several coupon codes you can stack to maxmize your […] The post Kohl’s Lowest Prices of The Season + Coupon Codes to Stack appeared first on Bargains with Brittanie.
  • FREE Roll of Mentos Chewy Mints!

    Brittanie
    22 Aug 2014 | 7:36 am
    This week’s Friday Freebie is a FREE Roll of Mentos Chewy Mints! Head over and load this eCoupon to your store loyalty card associated with your SavingStar account. Simply swipe that store card while making your purchase of a roll of mentons chewy mints and you will receive 100% back on that purchase making this free! If you don’t have a SavingStar account you […] The post FREE Roll of Mentos Chewy Mints! appeared first on Bargains with Brittanie.
  • Hexbug Nano V2 Bugs as low as $4.99 Each!

    Brittanie
    22 Aug 2014 | 7:30 am
    If you have been searching for the Hexbug Nano V2 Bugs then this post is for you! Right now you can get the Hexbug Nano V2 Bugs for as low as $4.99 each at Toys R Us! I have been searching the web and Toys R Us is currently the only place selling these bugs […] The post Hexbug Nano V2 Bugs as low as $4.99 Each! appeared first on Bargains with Brittanie.
  • FREE Airheads Bites from Kroger & Affiliated Stores!

    Brittanie
    22 Aug 2014 | 6:26 am
    Today Kroger and Affiliated stores are giving away FREE Airheads Bites! Just head over and select your store then log in to your account and add this coupon to your storecard. Then all you need to do is purchase this item, scan your store card, and it’s FREE! You must download the coupon today but the coupon itself doesn’t expire until 9/6/14. The post FREE Airheads Bites from Kroger & Affiliated Stores! appeared first on Bargains with Brittanie.
 
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    The Simple Money Blog

  • Is it more stressful to not have an emergency fund or to spend one you already have?

    Kirby
    25 Aug 2014 | 4:30 am
    KJ: If you don’t have an emergency fund, the answer to you may seem simple, but once you’ve built up that emergency fund, then when it comes time to actually dipping into it for an emergency – yes, that’s right, … Continue reading →
  • 10 signs that your budget needs a makeover

    Angela and Kirby
    20 Aug 2014 | 4:30 am
    AJ & KJ: Here are our 10 signs that your budget needs a makeover: 1) The words “I’ve never made a budget” come out of your mouth WHAT!? Okay, so forgive my shock and awe, but this is a no … Continue reading →
  • New Year’s Resolutions: eight month check up

    Angela and Kirby
    12 Aug 2014 | 4:30 am
    KJ: We’ve written about our goals a lot this year, and part of what we wanted to do was build accountability around the goals we set. With a focus on one of the main things that rich people do differently … Continue reading →
  • The month we made money the weird way

    Angela
    4 Aug 2014 | 4:30 am
    AJ: I love “found” money. My pen and notebook budgeting system is really hardcore. It comes down to the last day of the month every time to see where things will net out. We have all kinds of factors that … Continue reading →
  • The misconception of UTMA and UGMA accounts: what you need to know

    Kirby
    28 Jul 2014 | 5:30 am
    KJ: A bit shocking of a headline I imagine for anyone who has setup an UTMA or UGMA account for their son, daughter, niece, nephew, grandchild, cousin, whomever. In theory, I like the concept of an UTMA and UGMA account, … Continue reading →
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    My Money Design

  • How to Remove Disputes from Credit Report History and Get a Higher Score

    Contributor
    29 Aug 2014 | 2:00 am
    It is always a good idea to keep an eye on your credit score and credit report. I have been been doing my homework in this area, and I am thrilled to report that my credit score has risen dramatically due to some simple efforts I made. Here’s what was holding me back. I’m pretty [...] The post How to Remove Disputes from Credit Report History and Get a Higher Score appeared first on My Money Design. [Click here to read more]
  • Never Let Anyone Compromise Your Goals in Life

    MMD
    25 Aug 2014 | 2:00 am
    My wife and I have been having a lot of discussion lately about some of the changes we want to make that will help us reach our goals in life sooner rather than later. Don’t worry – there’s nothing wrong with us or our marriage.  But for reasons I won’t get into publicly, let’s just [...] The post Never Let Anyone Compromise Your Goals in Life appeared first on My Money Design. [Click here to read more]
  • My Money Design Turns 3!  What I’ve Learned About Writing Blogs for Money

    MMD
    18 Aug 2014 | 1:30 am
    I’m proud to announce that as of last week MyMoneyDesign.com is now 3 years old! Running a blog is something that unfortunately not a lot of other people can claim to have accomplished.  During my tenure I’ve seen a lot of websites start, a lot of them fail, and some of them just completely disappear [...] The post My Money Design Turns 3!  What I’ve Learned About Writing Blogs for Money appeared first on My Money Design. [Click here to read more]
  • Improving the User Experience in Video Collaboration

    Staff
    13 Aug 2014 | 3:21 am
    If you’re operating a business, you probably understand the importance of utilizing only the most functional equipment to help you operate efficiently and effectively. While video collaboration tools have been available for the past few decades, the technology has not always been reliable enough to execute goals in a timely fashion. Struggles equipment installation, low [...] The post Improving the User Experience in Video Collaboration appeared first on My Money Design. [Click here to read more]
  • Can the Experts Help Us with Investing in Dividend Stocks?  6 Month Update

    MMD
    11 Aug 2014 | 2:00 am
    What if there was a really simple way for investing in dividend stocks and knowing which ones were going to do better than others over the next year?  What if all you had to do was just read the expert opinions to know how they were going to do? That’s the fun little experiment I [...] The post Can the Experts Help Us with Investing in Dividend Stocks?  6 Month Update appeared first on My Money Design. [Click here to read more]
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    The Quizzle Wire

  • Tips for shopping for the best mortgage rate

    Miranda Marquit
    28 Aug 2014 | 6:00 am
    One of the biggest financial commitments you are likely to make in your life is the purchase of a home. Of course, the financial commitment is so large that you need to borrow money and pay it back over the course of 30 years. When shopping around for a mortgage, the type you get, as well as the rate you end up with, matters in terms of how much you will repay over time. A longer mortgage with a higher interest rate means that you could pay an extra hundred thousand dollars over the life of your home loan when all is said and done. Here are some tips for shopping for the best mortgage rate:…
  • Live the multi-millionaire life for $2,500 a month

    Miranda Marquit
    27 Aug 2014 | 12:00 pm
    When you think of what it must be like to be a multimillionaire, chances are that your first thought is to the home. A huge, expensive home. But what if you could live in a home worth millions and only pay $2,500 per month? That’s the idea behind Showhomes, a company that specializes in staging homes for sale. According to CNN Money, Showhomes operates on the principle that homes are more attractive to buyers when they are lived in. So, the company “hires” people to live in expensive homes to give them that “lived in” feel. Many times, the homeowners have multiple houses, and they…
  • The Pros and Cons of Bankruptcy

    Cathy
    27 Aug 2014 | 6:00 am
    The feeling that your finances are out of control, and that you’ll never be able to afford anything again, is a terrible one. But if you’re overwhelmed by debt and you can’t see how you could possibly get out from under it, bankruptcy is an option you may want to consider. Bankruptcy is a legal process through which existing debts, under the protection and supervision of a court, are eliminated or reduced, and/or the repayment period is extended. Individual bankruptcy is usually done under Chapter 7 of the federal Bankruptcy Code (hence, it is often referred to as…
  • Reasons a non-borrower needs good credit

    Miranda Marquit
    26 Aug 2014 | 6:00 am
    If you don’t intended to borrow money, you don’t need good credit, right? What does it matter if a credit agency views you as “unscoreable” if you aren’t going to apply for credit anyway? While this sentiment makes sense in a lot of ways, the reality is much different. Even though a credit report is meant to provide information on your credit habits, the truth is that it’s more than lenders that look at your credit history and make judgments about you. In recent years, your credit history has become more than just an indication of whether or not you are likely to repay a loan.
  • What are your options if you can’t sell your house for what you owe?

    Miranda Marquit
    25 Aug 2014 | 12:00 pm
    Right now, I am in the process of a cross-country move. As part of this move, my husband and I have decided to sell our home. We are fortunate right now in that we are under contract for a price that (barely) exceeds what we owe. A few weeks ago, though, we were concerned that we wouldn’t be able to sell our home for what we owe; we thought we would come up short. It’s what happens when you buy at the top of the market and then try to sell before the market is completely recovered in your area. I began considering our options. “If you can’t sell your home for what you owe, you can…
 
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    Credit Card Insider - Research, Discover and Compare Cards » InsiderCredit Card Insider - Research, Discover and Compare Cards

  • American Express And Discover Tie For Customer Satisfaction

    Brendan Harkness
    28 Aug 2014 | 2:48 pm
    American Express and Discover tie for best customer service, according to the J.D. Power 2014 U.S. Credit Card Satisfaction StudySM, released earlier today. American Express has previously ranked as the number one pick since the annual study began in 2007. Card issuers are ranked for customer satisfaction by the following 6 criteria: Credit card terms […] The post American Express And Discover Tie For Customer Satisfaction appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • The Citi® Dividend Platinum Select® Visa® vs The Chase Freedom® Card

    Brendan Harkness
    28 Aug 2014 | 11:18 am
    The Citi® Dividend Platinum Select® Visa and Chase Freedom® credit cards are both valuable rewards cards, each of them offering a rotating set of 5% cash back categories every year and a nice introductory bonus. The APR’s, introductory rates, and fees are similar as well. The Chase Freedom card is also on two of our […] The post The Citi® Dividend Platinum Select® Visa® vs The Chase Freedom® Card appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • The American Express Platinum Delta SkyMiles® Credit Card vs The American Express Delta Reserve Credit Card

    Brendan Harkness
    27 Aug 2014 | 2:10 pm
    The Platinum Delta SkyMiles® and Delta Reserve credit cards are both high-end travel rewards cards from American Express. They come with high annual fees, making them exclusive to those who travel frequently on fairly expensive flights. Cardholders earn the most miles for Delta purchases with both cards, and can earn bonus miles every year. The […] The post The American Express Platinum Delta SkyMiles® Credit Card vs The American Express Delta Reserve Credit Card appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • How To Purchase A Car On A Credit Card

    John Ganotis
    27 Aug 2014 | 8:35 am
    This article was written by my sister, Ann Ganotis, who wanted to share her recent experience buying a used car from a dealership with a credit card. Ann is an insurance underwriter in Syracuse, NY who worked at a car dealership during college. Making large purchases on a credit card can be a great way […] The post How To Purchase A Car On A Credit Card appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Review of The Frontier Airlines World MasterCard®

    Brendan Harkness
    27 Aug 2014 | 12:30 am
    The Frontier Airlines World MasterCard® is a travel rewards card, offering double miles for purchases from Frontier Airlines and a hefty package of bonus miles. There is an annual fee, which pays for World MasterCard benefits, but this also makes it useful only for frequent fliers. The Rewards Cardholders earn 2 points for every dollar spent […] The post Review of The Frontier Airlines World MasterCard® appeared first on Credit Card Insider - Research, Discover and Compare Cards.
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    SideHustle HQ

  • Starting a Doorstep Valet Trash Pickup Side Business

    SideHustleHQ
    26 Aug 2014 | 7:02 am
    Much like indoor plumbing and electricity, efficient and hassle-free trash disposal is a primary hallmark of modern civilization. Long gone are the days of unsightly backyard trash heaps and rusting vehicles being left out in the woods. Nowadays, citizens at every level of the socioeconomic pyramid expect access to effortless trash removal. Unfortunately, municipal services sometimes fall short in the performance department. One sensible alternative in many cases is privatized trash removal. If you don’t mind getting your hands dirty, a valet trash pickup venture can be extremely…
  • Starting a Window Cleaning Business on the Side

    SideHustleHQ
    24 Aug 2014 | 8:18 am
    For first-time business owners and seasoned entrepreneurs alike, ensuring the success of any given venture is of paramount importance. While some ideas are destined to fail for one reason or another, certain types of enterprises will boast better survival rates than others. For instance, a window-cleaning business is a great way to launch an instantly profitable venture with little funding. If you have a solid plan and the will to thrive, a window-cleaning outfit can be a good fit for you. Chart a Prudent Course Hit the Ground Running There are a variety of approaches one could take when…
  • 12 Great Business Ideas for Military Spouses

    SideHustleHQ
    17 Aug 2014 | 6:45 am
    Being married to a military man or woman comes with its own set of challenges. For one thing, frequent moving can seriously impact one’s career opportunities. After all, securing employment is difficult if you don’t know where you’ll be in a year. Consequently, entrepreneurship is often a great option for military spouses. Here are twelve excellent business ideas to get you started. Create an “Of the Month” Club Regardless of your personal hobbies and interests, it’s likely that there’s a large group of like-minded individuals out there who share your…
  • Starting a Board Game Side Business

    SideHustleHQ
    13 Aug 2014 | 10:25 am
      Nowadays, the typical consumer hears the word “gaming” and instinctively thinks of Xbox Live, Minecraft and Steam. In truth, good old-fashioned board games are still a big draw among many. As a result, you can make a lot of money by conceiving and producing a great board game. If you think you’re capable of producing the next Scrabble, Trivial Pursuit or Axis & Allies, this brief but informative board game business guide should help out immensely. Brainstorm Some Creative Ideas In order to create a breath-taking board game that’s able to sell thousands if…
  • How To Make Money with Peer-To-Peer Lending

    SideHustleHQ
    8 Aug 2014 | 3:37 pm
    While pundits love to point out how dicey today’s investment environment can be, the truth is that investing in any economy is inherently uncertain. However, it can’t be denied that traditional investment options leave much to be desired these days. Real estate is rocky and mutual funds offer meager returns. One alternative that’s gaining popularity among savvy investors is peer-to-peer lending. P2P lending provides borrowers with attractive interest rates and allows investors to net excellent returns. If you’re interested in securing consistent, above-average returns…
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    Covenant Trust Company

  • The behavior gap

    Covenant Trust Company
    26 Aug 2014 | 9:50 am
    In a recent article, Bloomberg writer and financial blogger Barry Ritholtz was discussing the significant difference between the returns that an investment earns, and the actual returns that investors get.  Here is an example:  As of 12/31/2013, the S&P 500 Index over the past 20 years returned on average 9.22% per year. The average equity investor earned […]
  • CTC tip: make IRA contributions early in the year

    Covenant Trust Company
    25 Jul 2014 | 7:44 am
    Waiting until the end of the year to contribute to your IRA limits your potential for growth. A recent Money.com article reported that 70% of IRA contributions in 2013 were made near the contribution deadline. Waiting until then can cost an investor over $15,000 over 30 years: “assuming an investor contributes the maximum $5,500 annually for 30 […]
  • What effect do you want your legacy to have?

    Covenant Trust Company
    25 Jun 2014 | 9:53 am
    John Ruskin, a 19th century critic and architect, once wrote: “When we build, let us think that we build forever. Let it not be for present delight nor for present use alone. Let it be such work, as our descendants will thank us for and let us think, as we lay stone on stone, that […]
  • Your personal finances after graduation — part two

    CTC - Ruser Saldaña
    20 Jun 2014 | 8:35 am
    Earlier this week, we shared a few basic ideas that you can use to build a healthy foundation for your personal finances after college. Today, let’s look at some specific things you can do and goals to work towards to get your finances off on the right foot. Create a budget On the surface, a […]
  • Your personal finances after graduation — part one

    CTC - Ruser Saldaña
    16 Jun 2014 | 1:12 pm
    The transition period between college life to the professional world can be a formative time. It’s an opportunity to build a foundation for a healthy lifestyle during the next phase of your life. This includes your personal finances. Some people realize years after they start their careers that they need to get the financial part of […]
 
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    Debt Consolidation USA

  • Consolidate Your Retirement Money: Part IV

    Simi Mira
    28 Aug 2014 | 9:01 pm
    After you have taken the time to sit down with all of your assets and investments in front of you, you might have found some things that you feel need to be changed or replaced. However, it’s important that you don’t just dive in and start moving thing without any research. When you try to […] The post Consolidate Your Retirement Money: Part IV appeared first on Debt Consolidation USA.
  • Important Considerations When Planning To Work In Retirement

    Lizzy Bale
    27 Aug 2014 | 6:41 pm
    Are you planning to work in retirement? Well you are not alone. According to a recent press release published by the FederalReserve.gov, a lot of households are still not prepared for retirement. 1 out of 3 Americans are not prepared for it. 19% are even between the ages of 55 to 64 – the age […] The post Important Considerations When Planning To Work In Retirement appeared first on Debt Consolidation USA.
  • 5 Options To Get Out Of A Cosigned Loan

    Lizzy Bale
    25 Aug 2014 | 8:28 pm
    A cosigned loan is one of the most dangerous financial agreements that you can enter into. This is like you are signing in to allow someone that is less creditworthy than you are to borrow money so you can pay it for them. In most cases, in fact, that is what happens. To co-sign a […] The post 5 Options To Get Out Of A Cosigned Loan appeared first on Debt Consolidation USA.
  • Part 2: American Consumer Habits For 6 Different Financial Areas In A Household

    Lizzy Bale
    22 Aug 2014 | 12:45 am
    In July 2014, the Federal Reserve released the results of a survey that discussed 6 financial areas in an American household. In the previous article, we discussed the two areas where American consumer habits seem to be improving – housing and saving. Our financial behavior should be monitored closely because there are certain habits that […] The post Part 2: American Consumer Habits For 6 Different Financial Areas In A Household appeared first on Debt Consolidation USA.
  • Part 1: American Consumer Habits For 6 Different Financial Areas In A Household

    Lizzy Bale
    20 Aug 2014 | 12:41 am
    A survey featured in one of the articles on this website mentioned how consumers will focus on better credit management in 2014. This is something that Americans have to seriously work on because debt was the avoidable cause of the Great Recession. Although the collapse of the economy was so severe that everyone felt it, […] The post Part 1: American Consumer Habits For 6 Different Financial Areas In A Household appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • A College Student’s Primer on Student Loans

    Kate Swenson
    26 Aug 2014 | 6:33 am
    August is here and school is right around the corner. As a new college student, you may be filled with a mix of emotions about the adventure you will soon begin. Meeting new friends, maybe moving someplace far from home, and starting your adult life can be exciting and even a little scary at times. Settling in to a routine that demands balancing classes, studying, working part-time and having some fun will not only be a challenge, but will also take some time. While in college, don’t put your student loans on auto-pilot or you just may have a painful shock (or loan balance) when it all ends…
  • Tips for Taking the Anxiety Out of Moving

    Kate Swenson
    21 Aug 2014 | 7:25 am
    Moving can be an exciting adventure, especially if you’re heading to your dream home! But it can also be unduly stressful with so many details screaming for attention, not to mention packing up everything you own only to unpack at your final destination. My best advice is to think ahead, pay attention to the small stuff, and give yourself plenty of time. In all honesty, I have not moved in 13 years. But like everything else, things have changed greatly in that time so there is guidance available to make your move go more smoothly. Start with a planning checklist: The last time I moved, it…
  • Giving Financial Help to Family Members—Look Before You Leap!

    Kate Swenson
    19 Aug 2014 | 7:09 am
    A growing number of adult children are turning to the Bank of Mom and Dad and Grandparents. Many families have the impulse to be generous as they watch their young-adult children struggle with a tough job market and challenging economy, so they lend their children money to help pay for basics like rent, debts owed, transportation … or, let adult children move back home. Parent’s want their children to be successful and ultimately not struggle. This poses a huge dilemma for a parent or grandparent. You want to help your children succeed but in doing so you can jeopardize your own…
  • Free Fertilizer and Fun Pets

    Kate Swenson
    14 Aug 2014 | 7:35 am
    I’ve been gardening organically for 35 years on my urban lot.  It used to be difficult to find manure fertilizer living just a stone’s throw from downtown.   I would beg my country relatives for a bag of horse manure or bring an armful of plastic grocery bags to the circus in town to load up on elephant droppings.  That is until I started raising my own manure-producing livestock. My livestock of choice? Worms.  Red Wiggler worms to be exact (Eisenia foetida.)  These aren’t your garden variety earthworm.   Red Wigglers eat garbage. The resulting manure has a technical term:…
  • The Dangers of Cosigning Private Student Loans

    Kate Swenson
    4 Aug 2014 | 8:44 am
    One of my blog teammates recently wrote a post called “Should I Co-Sign For a Loan?” I was very impressed and wanted to piggyback on his insights by further discussing the very real and sometimes bizarre dangers of co-signing private student loans. Borrower Beware Private student loans are fraught with perils and pitfalls that many borrowers and co-signers alike are unaware of until it’s too late. Although many of these dangers are spelled out in the loan contract, either people don’t read the full document, don’t understand all the provisions, or may think “this will never happen…
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    Minting Nickels

  • How would a UK EU exit impact the UK banking sector?

    Justin
    27 Aug 2014 | 3:53 pm
      There has been a lot of speculation about whether or not the UK will imminently leave the EU. Since the election of the coalition government, there have been some hints that an EU exit is possible and much talk of the desire the secure a “better deal” for Britain from the EU. Read on for an analysis of the impact any future EU exit would have on the UK banking sector.   The UK in the EU for good? Following David Cameron’s promise of a referendum on UK membership in 2015 if the Conservatives are re-elected, many have been commenting on what the financial and economic…
  • The true extent of the UK’s debt addiction

    Justin
    26 Aug 2014 | 7:20 am
    AUTHOR BIO Giles Read is a financial commentator, freelance writer and journalist who produces advice articles and editorials for some of the UK’s most authoritative websites.    Recent caps on the cost of a payday loan, proposed by the Financial Conduct Authority (FCA) and due to come into force in January 2015, have been warmly received by many politicians and industry commentators. The payday lenders have undergone sweeping changes and regulatory reform since the FCA took over regulation of the industry from the Office of Fair Trading (OFT) in April 2014. However, short-term…
  • Rental deposit rise prompts an increase in payday loans

    Justin
    26 Aug 2014 | 7:16 am
    AUTHOR BIO   Claire Jones is a widely published blogger and freelance journalist specialising in all things finance and consumer affairs. She has been published on some of the UK’s most authoritative websites and in the mainstream press. The problems facing the average UK consumer in today’s economy have been widely publicised. Consumers face a rising cost of living, while wages for the majority remain stagnant. While the rate of inflation fell by more than expected in July to 1.6 percent, corresponding to an easing of prices of some essential items, the cost of unavoidable items…
  • Why Dental Treatment Abroad is Safe!

    Justin
    11 Aug 2014 | 5:20 am
    It seems that more and more people are taking the option of dental and medical treatment abroad more seriously. Many of these people seeking cosmetic dentistry do so as the cost of such procedures in the UK are becoming prohibitive. Surgery for people is also an option; only this week we read of a gentleman in Wales who sought baric surgery in India as he was refused the treatment here. But, with treatment abroad – both dental and medical – come perceived risks; many assume that the hygiene standards will not meet British standards or our expectations; others falsely believe that the…
  • How to make an honest buck online

    Justin
    4 Aug 2014 | 6:54 am
    The internet has become a part of our everyday life in the last few decades, and an increasingly important one, too. We keep in touch online, read the news online, watch our favorite TV shows online, store our family photos online, and some of us even live our social lives on the internet. We do a lot of useless things online as well, although we could use that time in a much more productive way. Here are a few things that we can do in our free time – online – that might help us supplement our budget. 1. Online polls and surveys Feedback is one of the most important part of…
 
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    Debt RoundUp

  • What If We All Bought Used Cars?

    Grayson Bell
    29 Aug 2014 | 2:25 am
    We are on the cusp of a nice, long three-day weekend.   I am excited for it as I haven’t had a time to relax much.  There is so much painting to be done at the house.  Did I mention I hate painting?  Anyway, instead of putting up a post about saving money or making more money, I wanted to run a hypothetical by you. This is just supposed to be fun and make you think a little about the topic.  OK, onto the topic! One of the longer running pieces of personal finance advice is to never buy a new car.  Seriously, most experts use the word “NEVER!”  I am cool with that,…
  • Regular Home Maintenance Will Prevent Expensive Disasters

    Mike Collins
    27 Aug 2014 | 2:25 am
    As a homeowner, I’ve learned firsthand the importance of planning for the unexpected.  Even when you think your home is well-maintained and you have nothing to worry about, make sure you’re setting money aside for the future emergency repair that is sure to come along. Just a few weeks ago we had a random thunderstorm and out of nowhere the wind picked up to freakish levels and made a mess everywhere. Our patio table was flipped over and the umbrella was in the bushes.  The beach ball that is normally in the pool was nowhere to be found and our recycling barrel had gotten knocked over…
  • 5 Little Known Ways to Save Money at Amazon.com

    Grayson Bell
    25 Aug 2014 | 2:30 am
    One very well known thing is I love shopping at Amazon.com.  I am a prime member and I shop online regularly.  That doesn’t mean I think Amazon is the best price all of the time. For instance, I just bought a desk (finally) for my home office. While I searched Amazon for a desk, I found my desk at Staples.com.  Amazon and Staples both charge sales tax, but Staples was cheaper and the shipping was free.  Just because you love Amazon, doesn’t mean you always save money.  For this reason, I figured I would show you five (there is a bonus!) little know ways to save money at…
  • Straight Talk Review – Bring Your Own Phone and Save

    Grayson Bell
    24 Aug 2014 | 10:55 am
    I have been testing out the Straight Talk service for a little bit now, so I figured I would post a review of how it has been going.  There have been many questions from readers in regards to this topic, as I am sure many have been wondering how to get away from the big carriers, AT&T and Verizon.  Since I am using the Straight Talk bring your own phone program, that is what I will be reviewing.  Straight Talk has expanded this service to allow for both AT&T and T-Mobile service depending on where you live.  This program was initially just limited to GSM technology, but they have…
  • Barclaycard Arrival™ World MasterCard® Review – My #1 Travel Card

    Grayson Bell
    23 Aug 2014 | 8:40 pm
    Update: Barclays just renamed their card earning 2x the miles to the Barclaycard Arrival Plus™ World Elite MasterCard®, which gives you awesome rewards and what I carry with me. My Barclaycard Arrival World MasterCard® is my go-to travel rewards card. Since I earn 2X the miles for every dollar I spend, it is a no brainer for me. I quickly earned my sign up bonus and now I have a trip fully paid for and working on another one as we speak. What is easier than that? You can now earn more miles with your Barclay Arrival™ MasterCard®. They offer a program called RewardsBoost that helps you…
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    Phroogal Blog

  • To Buy, or Not to Buy… That is the Question

    The Phroogal Kevin
    29 Aug 2014 | 5:05 am
    Well, the question really has to do with buying vs. renting… and the answer is not always so simple. Many are faced with this question at a turning point in their lives, though it seems the query is more often addressed by those who chose to dwell in cities. As always, I liken this financial conundrum to my own personal situation living in NYC. I’m twenty three years old, and live on next to nothing in one of the most expensive cities in the world. I have never questioned my current status as a renter, and likely will not be doing so for at least a decade. That being said, I do have older…
  • 10 Great Date Night Ideas Pt 1.

    Athena Lent
    28 Aug 2014 | 5:00 am
    I know I’m not alone in proclaiming this, but I love myself a good date night! With my boyfriend living so far away, we see each other a lot more than other LDR couples and for that I am insanely grateful. Still, I love it when we plan a great date night for just each other. It keeps our bond special, spicy and romantic. So here are a few tried and tested combo ideas for a reliable date night. 1. Bowling & An Old Fashioned Ice Cream Shop  Bring your A-game to the local bowling alley and show your partner exactly how you roll. Bowling is not only a great way to discuss your day, but…
  • You Only Live Once: YOLO on a Budget

    The Phroogal Jason
    27 Aug 2014 | 1:26 pm
    Budgeting with the YOLO Mindset I’ve written about budgeting a number of times. You’ve also probably have read dozens of articles and blog posts on how important budgeting is to financial well-being. I completely agree that budgeting is the single most effective tool in managing money that support lifestyle choices and achievement of goals. Let’s be honest about budgeting. It’s tedious and boring. It can be ineffective. It also used to send chills down my spine. If you’re like me you probably think (well I did anyhow) that budgets limit one’s ability to live life. By choosing to…
  • Being Broke a Blessing in Disguise?!?

    Valencia Higuera
    26 Aug 2014 | 5:00 am
    If you’re a self-proclaimed broke person, you might say that your situation is anything but a blessing; this is typical. But does it have have it to be that? Before you click to the next article or say ‘this chick is crazy,’ let me explain. First of all, when I use the words ‘broke people’ I’m not referring to poverty or the inability to acquire necessities, such as food, clothing and shelter. I’m talking about people who go to work and earn enough money for rent/mortgage and other expenses, but nothing more. They may not have funds to take…
  • How Your Wedding Can Make You Rich

    Phroogie Guest Blogger
    25 Aug 2014 | 5:00 am
    I heard a venture capitalist say once that they love getting into the wedding business because it’s a time in people’s lives when they go crazy and spend irrationally. Apparently this sentiment was true… according to The Knot, the average American wedding today costs nearly $30,000. In fact, many people go INTO DEBT when financing their wedding! Not the best way to start married life, if you ask me. Rather than hitching up a huge financial gallstone to the newlyweds, the wedding can (and should!) be a day that gets the happily wedded couple started on the right financial footing in…
 
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    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.
  • The Latest On Oregon’s Student Debt Plan

    Demetrios Sourmaidis
    30 May 2014 | 11:08 am
    Last year, the students at Portland State University developed a plan to deal with rising student loan debt. We provided the details on “Pay It Forward, Pay It Back” in August. Since then, the state of Oregon has seen their student loan debt balloon to such a high level that even the amount of defaulted […]The post The Latest On Oregon’s Student Debt Plan appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Free Tuition in Tennessee

    Demetrios Sourmaidis
    22 May 2014 | 7:18 am
    At a time when families are going into debt to pay for school, Governor Bill Haslam of Tennessee has come up with a plan to encourage high school students to graduate and then keep them in Tennessee to work and go to college.  His plan also encourages adults to return to college in order to […]The post Free Tuition in Tennessee appeared first on Student Debt Relief | Student Loan Forgiveness.
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    Financial Advice

  • Six Things to Know Before Declaring Bankruptcy

    Rianne Hunter
    4 Aug 2014 | 9:00 am
    Declaring bankruptcy is always an unpleasant thing to consider, but it may be the only way that you can escape crippling debt that is impossible to pay off. If you need to declare bankruptcy, there are some things you need to know.1.      Be prepared to have your finances exposedWhen you file, you will need to appear at a meeting of all of your creditors incourt. A bankruptcy trustee will ask you questions about your finances, and creditors can ask questions as well. You will have to be completely honest and list off all property, assets, creditors and debts.
  • How To Deal With The Financial Burden Of Car Repairs

    Hannah Whittenly
    29 Apr 2014 | 8:49 am
    Hearing a random rattle in the hood or a squeak in the brakes is never too promising. On top of fearing for your safety, you're afraid of the cost. Fortunately, smart planning and intelligent decision-making skills help you to deal with these unexpected costs. Have Money Set AsideWhile you certainly cannot predict the moment when a car problem is going to happen, you can do your best to be prepared for it. Having a completely drained bank account is not smart for a variety of reasons, and unforeseen car issues are some of them. If you always have at least a little bit of money set aside, then…
  • Educate Yourself: 5 Less Known Loan Types And When You Might Need Them

    Hannah Whittenly
    25 Apr 2014 | 10:07 am
    The following loan types can help people in exceptional circumstances. A 203 (K) or a balloon mortgage come with benefits and obligations that will fit different types of borrowers looking to purchase a home. Reverse mortgages and secure loans effectively put up equity or assets as loan collateral. Cash advances are smaller loans that many can use for a short-term occasional cash infusion.FHA 203 (K)203 (K) loans can be put to good use by people handy and knowledgeable in home repair. Finding a shabby house, repairing it and selling a newly-renovated high-value property is the ideal situation…
  • Quick Cash - 5 Ways To Get Money Quickly

    Hannah Whittenly
    23 Apr 2014 | 1:26 pm
    No matter how much money you make from your job, it’s always nice to be able to make some extra cash on the side. However, it can be difficult to find money-making opportunities, with everything else you have going on. Luckily, it can be done. Here are five ways to get money quickly to help you pad your bank account even more. Sell Your StuffEveryone has a ton of old junk lying around their home that they may not think is very useful. However, your old trash may just be considered treasure to someone else. Whether it’s old clothes, electronics or anything else, consider taking your stuff…
  • Selling And Buying Gold - What You Need To Know Going In

    Hannah Whittenly
    21 Apr 2014 | 12:30 pm
    Most people are aware that the gold market offers a lot of opportunities for creating wealth and for safeguarding that wealth. But potential investors have to be aware of a number of issues before jumping in. Price FluctuatesFirst of all, most people have to accept the fact that the price of gold changes constantly and can fluctuate drastically from one day to another. Time when the price of gold drifted boringly between $400 and $500 (per troy ounce) is long gone. Nowadays, moves of $30 and more in a single day are very common. Potential investors can follow those price swings as they happen…
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    Investing in Your 401k Kid | RSS Feed

  • Saving Money on Kids’ Sports

    Tracie
    26 Aug 2014 | 5:18 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Our son started a new school this year. The football coach explained via email that all equipment is provided for the players. I asked my son to email the coach back and clarify if that meant cleats as well.  This caused a discussion. “Mom, he said ALL equipment!” “Really?” I replied.  “Because it seems to me that it would be pretty tough to provide enough different types of shoes to fit the feet of 30 different teenage boys.  I mean, you’re not going to used someone…
  • Want Your Kids Gone? Gotta Let Them Fail!

    Bret
    15 Aug 2014 | 10:24 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids photo (c) davidmican / Flickr “I hope when my kids are in their 30s, and I’m in my 60s, that they come back to live with me for a few years.” Said no parent, ever. Why are so many kids moving back home?  And why are they now moving back home not in their 20s, but now in their 30s? A recent Pew analysis of 2012 numbers found that 36 percent of young adults aged 18 to 31 were living in their parents’ homes. That was up from 32 percent in 2007.  Baltimore Business Journal wrote: The data come as no…
  • Eight Reasons to Hate Your Mortgage

    Bret
    5 Aug 2014 | 5:55 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids I used to have a lot of respect for The Wall Street Journal.  They’ve got some pretty smart writers there.  I saw an article recently, though, that blew my mind.  The gist of the article is revealed in the title: “Nine Reasons to Love Your Mortgage: There’s an Upside to All That Debt” There are no reasons to love your mortgage.  Teach your kids this.  Personal debt is an evil – or at the least, a nuisance – to be tolerated only until it can be squashed like a bug. Why…
  • Kids Can Contribute to an IRA! No, Really!

    Bret
    26 Jul 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Believe it or not, your kids can be making contributions to an IRA (Individual Retirement Account) at any age – provided they have some income. The benefits of having an IRA are awesome: investments grow tax-free in these accounts, so they get the full benefit of compound interest without taxes getting in the way. Kids also have the option of tapping into their IRA if needed for college expenses, and can someday take out up to $10,000 to assist in buying their first house. When opening an IRA for your kid,…
  • Wants vs. Needs: Teaching Kids About Money

    Bret
    19 Jul 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids One of the most important things we can teach our kids – whatever their age – is to recognize the difference between a “want” and a “need.”  Mastering this one simple concept can have a profound impact on future financial health.  Additionally, it’s not enough to simply recognize the difference; it’s important to be unashamed to call a thing what it is.  “I don’t want to buy that, but I really need it.”  “This is the coolest thing…
 
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    iMoney.ph

  • Is Pro Gaming In The Philippines Worth It?

    imoney
    27 Aug 2014 | 6:57 pm
    Goście Intel Extreme Masters (photo by Piotr Drabik) What was your dream job when you were little? Did you want to be an astronaut or a professional basketball player? Or, if you grew up in this age of computers, did you wish that you could play online games and get paid for it? For some, that dream is already a reality. Professional gaming (or e-Sports) is a hit in different parts of the world. In fact, some pro gamers are earning $100,000 – $500,000 annually. That’s a lot of money for playing your favorite games all day. But what’s the scene like in the Philippines? Philippine…
  • 5 Finance Management Apps And Sites For Your Desktop

    imoney
    27 Aug 2014 | 12:30 am
    Last week we showed you how you can control your finances from your smartphone. But what if you need more powerful tools, or want to see a bigger picture of your financial state on your computer? For some of us, creating an entire budget out of a blank Excel sheet is too daunting. Or maybe it looks like too much work. We’ve rounded up 5 finance management apps and sites, so you can finally start that budget you’ve been meaning to for so long now, see how your investments are doing, or even do a little online fundraising. You Need A Budget (desktop app, Mac and Windows — $60; free for…
  • Are You Protecting Your Financial Data Online?

    imoney
    26 Aug 2014 | 7:37 pm
    Banking is no longer confined to a brick-and-mortar building; these days, we have internet banking, mobile phone banking, and electronic wallets. As these options increase, the number of financial cyber attacks has also gone up. In 2013, banks were targeted in 70.6% of all financial phishing activities, way up from 52% in 2012, according to Kaspersky Lab. With all these threats flying around, are you sure you’re keeping your accounts safe from prying eyes online? You should be extra vigilant when it comes to online security. Here are seven ways to protect yourself and your data online. 1.
  • 10 Budgeting Apps For Your Smartphone

    imoney
    20 Aug 2014 | 1:19 am
    Do more with your smartphone than tweet and take selfies. You already use your phone for everything, so why not use it to improve your budget tracking? All the major app stores are full of apps for money management. Here are 10 of the best budgeting apps for your smartphone, so you can keep your finances on track while on the go, and make sure you don’t overspend when you’re out on the town. Goodbudget (iOS and Android, free with in-app purchases)   If you like the envelope budgeting method but don’t want to deal with actual envelopes, Goodbudget is the app for you. Not…
  • 5 Investments You Can Make With P20,000 Or Less

    imoney
    19 Aug 2014 | 7:22 pm
    Let’s say you’ve been saving P2,000 every month from your paycheck, and now you have P20,000. Or you got that amount as a performance bonus from work. Or a particularly generous relative gave it to you for your birthday. What would you do with it? You might be thinking that it’s too little an amount to invest in anything long-term, enough that you’re tempted to just go shopping with it. But if you look around for wiser options, you can find ways to make that money work for you. Below, we’ve put together a list of investments you can make with P20,000 that are financially better for…
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    FinancingLife.org

  • 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?.
  • Bond Basics 3: What Are Bonds?

    Rick Van Ness
    13 Mar 2014 | 9:03 am
    What are bonds? Bonds are simple interest-only loans. It's that simple! Learn what every investor should know about bonds and fixed-income securities. The post Bond Basics 3: What Are Bonds? appeared first on Bond Basics 3: What Are Bonds?.
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    Find Your Balance

  • First-Time Landlady/Landlord Checklist

    llok11
    28 Aug 2014 | 8:45 am
    Getting started as a housing lessor is a really big step. However, by breaking it up into well-defined smaller steps, you can take a lot of the stress out of putting the place up for rent. Business type From a personal finance perspective, becoming a lessor isn’t something it’s wise to rush into. Consult with a financial planning professional and/or an attorney to understand the ramifications of your new venture for your taxes, investments and other money issues. Knowing which type of legal entity you will want to use for your business is central to this new phase in your life.
  • Snow Tires: Are They Worth It?

    llok11
    26 Aug 2014 | 8:45 am
    The dog days of summer probably don’t having you contemplating your vehicle’s winter driving needs, but maybe they should. After all, fall is when older model snow tires typically go on sale as newer versions hit stores. A great deal can be had if you are willing to pick up last year’s latest and greatest. But it begs the question: Is it really money saved or is it money wasted? Argument for Winter tires have been shown to make driving safer in snowy or icy conditions. The money you don’t have to pay for a fender bender or higher insurance rates makes the expense worth…
  • Business Credit Score FAQs

    llok11
    21 Aug 2014 | 8:45 am
    You’ve heard a lot about your personal credit scores, but if you own a business, you may feel a bit in the dark about how your company’s credit is rated. Like your personal score, though, your business score is fairly straightforward once you understand the basics. What is it? As with a personal credit score, a business credit score is an attempt to measure the likelihood of repaying any particular debt. It’s simply a way for other organizations to use measurable data to try to predict the risk of doing business with you. You may also hear the scores referred to as “commercial” or…
  • What Students Can Do About Student Debt

    llok11
    19 Aug 2014 | 8:45 am
    If you’re like most students, you’re putting off thinking about repaying your student loans and other debts until you’re out of school. After all, you’re probably not earning a lot of income and you’ve got other, more pressing things to worry about. However, by starting to think about how you will pay back that debt while you are still in school, you’ll make the process easier for yourself once you leave. Create a plan College is about having freedom, but if you are a little too free with your money, you could risk putting yourself in bad position once you need to start paying…
  • Borrowing From A 401(k): Your Decision-Making Guide

    llok11
    14 Aug 2014 | 8:45 am
    Taking a loan from your 401(k) can help you cover expenses in a time of emergency need, pay off high-interest debts, or get seed money for a larger opportunity. However, it isn’t a decision that should be entered into lightly. To make sure you are making the right choice for your situation, carefully measure both the positive and negative aspects of the decision. Potential pros 401(k) loans don’t require a credit check. The interest rate for 401(k) loans tends to be competitive. You repay the interest on the loan to yourself instead of a financial institution. Application fees are usually…
 
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    Gajizmo

  • Romantic, Unique, Cheap, and Fun Anniversary Ideas

    Gary
    25 Aug 2014 | 1:50 pm
    One of the greatest joys in life is finding the one person you want to create unforgettable memories and spend the rest of your life with. Unfortunately, when we are confronted with personal finances, work-related stress and the “to-do” lists of everyday life, we sometimes forget to show our love to those closest and most important to us. The years come and go quickly, and with every passing anniversary, you realize that it becomes a routine rather than a special day to celebrate. Many couples tend to do the usual dinner and gift thing every year, unless it’s a special anniversary, such…
  • How To Lower Your Monthly Utility Bill

    Gary
    19 Aug 2014 | 10:55 am
    If you’re looking for ways to save money by lowering your monthly utility bill, there are many affordable, efficient and easy strategies that can reduce your water and energy costs by as much as 50%. These simple do-it-yourself changes and renovations require a minimal upfront investment (usually a few dollars), but can save you $100, $200, or even $300 per month. By learning how to lower your utility and/or electric bills, you can easily save more than a $1,000 a year. How To Lower Utility Bills Thermostat Programming First and foremost, the Department of Energy says you can save up to 10%…
  • How Much Should I Save Each Month?

    Gary
    18 Aug 2014 | 1:17 pm
    No matter what stage of life you’re at, saving money and maintaining a strong personal balance sheet is imperative to financial security. It’s one of the primary reasons behind giving allowances to kids: not just to teach the relationship between work and money, but also to introduce the idea of long term planning in regards to money and finances. Without this conditioning in our early years, we are likely to become impulsive spenders as adults; and while this isn’t too problematic in most instances, the consequences of reaching the end of the month with little leftover savings in the…
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    Personal Finance AdvicePersonal Finance Advice

  • 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…
  • How to Approach Potential Clients on LinkedIn

    Chris Bibey
    29 Jul 2014 | 4:55 am
    Are you on the prowl for new clients? Have you come to realize that the use of social media, including LinkedIn, could be the best way to generate business? While the opportunity to use LinkedIn to grow your business is right in front of you, there is a big difference between “saying” and “doing.” The way you approach potential clients on this professional networking site can be the difference between success and failure. Here are three how-to tips that will put you on the right path to success: 1. Personalize your communication. As tempting as it may be to send a “canned message”…
  • The Use of Technology in Retirement

    Chris Bibey
    9 Jul 2014 | 4:34 am
    As a senior, you are likely enjoying your life in retirement. There is no more long commute to the office. There is no more answering to others. There is no more wondering if you are going to lose your job. Along with the above, there is no more income flowing through in the form of a steady paycheck. For this reason, your financial situation today is nothing like it was when you were still part of the workforce. During this stage of your life, it is imperative to have a firm grasp on your finances. This will allow you to answer questions such as: What are your primary sources of income? How…
  • Is Now the Time for a New Car? Three Questions to Answer

    Chris Bibey
    30 Jun 2014 | 4:58 am
    There will come a time in the future when you must decide between keeping your current car and buying a new one. As tempting as it may be to pull the trigger on a new set of wheels, you must take a step back and consider the pros and cons before doing so. Although every buyer is in a unique position, there are three questions you can answer that are sure to put you on the right path to a confident decision: 1. Will a new car fit into your budget? There are many details that go into this question, including your current car payment (if you have one), your new car payment, and insurance and…
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    Mad Fientist

  • 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…
  • Guinea Pig – Update #4

    The Mad Fientist
    21 Jul 2014 | 4:52 am
    Welcome to the six-month update for the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. So, we’re halfway through the first year and the GP is making great progress. Let’s take a look at the FI Laboratory graphs for both the normal and the optimized GP scenarios. If you haven’t started tracking your own progress yet, sign up for a free Personal…
  • Roth IRA Horse Race

    The Mad Fientist
    15 Jul 2014 | 6:50 am
    I have a strategy the guarantees you’ll make a fortune betting on horse races. It’s very simple, actually. The idea is you bet a certain amount of money (x) on the horse that is favored to win. If the horse wins, great! You walk away with x and you can go home happy. If the horse loses, however, you have to bet 2x on the next race’s top horse. If that horse wins, you’ll win back what you lost in the first race and you can go home with x winnings. If the horse loses, you’ll have to double your bet again and continue doing that until you eventually win. The favored…
  • Brand New Lab Coat

    The Mad Fientist
    7 Jul 2014 | 4:57 am
    I’m very excited to introduce a completely redesigned Mad Fientist! I spent the last couple of weeks hacking CSS and HTML and I have to say, I’m actually very pleased with the results. Mobile In addition to being faster, better looking, and easier to read, the site is now responsive as well so that means it will look good on all different types of mobile devices. Try it out now on your phone to see how nice it looks! I’ve added a mobile icon so if you add the site to your phone or tablet homepage, it will put an icon on your screen (which will make it feel more like an app…
 
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    Getting Ahead, A Personal Finance News & Exchange

  • Cool Car Accessories: 4 Ways to Upgrade Your Ride

    27 Aug 2014 | 6:51 am
    <img width="604" height="439" src="http://usequityadvantage.com/images/default-source/Blog/Images/car-accessories.jpg?sfvrsn=0" title="Car Accessories" /><br /> <br /> <p>If you want to ride in style, there are a number of cool car accessories on the market that can make your travels more stylish, more convenient, and even safer. Here are a few techy and trendy possibilities for you to consider.<strong></strong></p> <p><strong>Cool Car Lighting. </strong>Enhancing a car&rsquo;s exterior…
  • Rev Up Your Road Trip with 5 Great Travel Tips

    25 Aug 2014 | 6:00 am
    <img src="http://usequityadvantage.com/images/default-source/Blog/Images/rev-up-your-road-trip.jpg?sfvrsn=0" title="Rev up your road trip" /><br /> <br /> <p>Summer is a great time of year for vacationing by car. Sometimes we tend to focus so much on the destination, though, we forget that the trip can be an adventure in itself. To help punch up the fun factor on your next road trip, we've compiled some great, budget-minded tips to help bring on the vacation vibe as soon as you start your engine.</p> <p><strong>Traveling…
  • PITI Party: Understanding and Saving on Your Mortgage

    20 Aug 2014 | 6:00 am
    <img title="Mortgage Savings " alt="Mortgage Savings " src="http://usequityadvantage.com/images/default-source/Blog/Images/mortgage-savings.jpg?sfvrsn=6" /><br /> <br /> <p>PITI is a very important acronym if you&rsquo;re a homeowner with a mortgage. It comprises four important factors in your monthly housing costs and stands for: <strong><span style="text-decoration: underline;">P</span></strong>rincipal, <strong><span style="text-decoration:…
  • Bond Basics

    4 Aug 2014 | 5:30 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/shutterstock_165023162.jpg?sfvrsn=1" alt="Patriot Bond" title="patriot bond" /><br /> <br /> Like a crowdsourced IOU, bonds allow a company, municipality, government or other entity to borrow money from investors for a defined period of time at a given interest rate. Similar to how stocks allow group ownership in a company, bonds enable multiple investors to lend money to various types of institutions. </p> <p> </p> <p>Many people shy away…
  • The No. 1 Secret to Paying off Student Debt Early

    1 Aug 2014 | 5:30 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/big-money.jpg?sfvrsn=3" alt="Big Money" title="big money" style="vertical-align: middle;" /><br /> <br /> Student debt can really hold you back in life. It can weigh down your finances and significantly delay important purchases like a first home, new car, or much-needed vacation &mdash; and even keep you from saving for retirement. That&rsquo;s why it&rsquo;s so important to have a <a…
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    Rockstar Finance

  • Show Me the Money! [So I Can Ignore It]

    J. Money
    29 Aug 2014 | 3:30 am
    “It is a great step to create a budget spreadsheet; however, if you are not going to check it and confirm your numbers, then it is worthless. You will never be able to achieve your financial goals if you don’t have a grasp of your financial realities.” Check out the entire post here: Financially-Blonde.com —— [Gif credit: Giphy]
  • Figuring Out When Enough Is Enough

    J. Money
    29 Aug 2014 | 3:15 am
    “Once you have reached a point of financial satisfaction, it can be all too easy to fall into the scheme that just another year or another doubled portfolio balance would be much better. If you have say a $1 million portfolio balance, $1.2 million or $2 million might indeed seem a lot better. Yet if your required expenses in a given year are only $25,000 then it does no more for you. Much in the same manner that a full dinner plate would feed your appetite but 100 such plates would add no additional pleasure.” Check out the whole article here: TheCurrencyofTime.com ——-…
  • 12 Ways I’ll Be Saving Money This Fall

    J. Money
    29 Aug 2014 | 3:00 am
    “#9 – Buy out-of-season stuff. I just got water shoes for $1 at Walmart and bought my kids new bathing suits for $4. I love shopping in the off-season for the best bargains.” Check out all 12 tips here: ClubThrifty.com ——– [Photo cred: Michael Whyte]
  • Debt Killed My Dad. Learn From His Mistakes.

    J. Money
    28 Aug 2014 | 3:30 am
    “According to his death certificate, my dad died of myocardial infarction, otherwise known as a heart attack…. It wasn’t his heart alone that killed him — it was his debt. My dad racked up credit card debt faster than a NASCAR driver at Daytona, and he never could get his spending habits in check… If you know someone who is struggling with debt, there are signs that you can watch for — and things you can do.” Check out this entire (thought provoking) article here: DailyFinance.com —– Great, and sad, article by Jeff Rose of…
  • 5 Little Known Ways to Save Money at Amazon

    J. Money
    28 Aug 2014 | 3:15 am
    #1 – Amazon Warehouse Deals. Amazon has a little known section of their site which encompass deals from returns or broken boxes during shipments. They analyze their entire stock and inventory and ones they can’t sell as new goes into their Amazon Warehouse Deals section…  Trust me, this is a great place to start looking for items to purchase.  I found my wife a nice digital camera zoom lens which would have been expensive.  I got it for 50% off because the box was busted during shipment to Amazon’s warehouse.  They didn’t want to sell the item as new because of the busted…
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    Doctor Of Credit

  • Amex Offer: $20 off $100 at J Crew, Possible Money-maker

    Chuck
    28 Aug 2014 | 1:01 pm
    You can see our introduction to AmEx Offers here. See also How to Sign Up for Multiple American Express Sync Offers. The Offer Spend $100 at J Crew or jcrew.com and receive a $20 statement credit. This is a targeted offer; it’s not available on all cards. Check your Amex login to see if it showed up on yours. I got it on most, but not all, of my Amex cards. This offer is not currently available via Twitter, and my guess is that it won’t become available via Twitter. According to this Slickdeals thread, the offer should work on gift cards and even e-gift cards (e-gcs are…
  • Amazon Local Register (update)

    Chuck
    28 Aug 2014 | 3:00 am
    See our original post: Amazon Local Register – 1.75% Payment Processing Fee. We previously reviewed the new service that Amazon rolled out called Amazon Local Register. We’d like to correct/add a few points. Will Everyone Get a 1099k? We mentioned that the pop-up which Amazon sends you when signing up for Amazon Local seems to indicate that everyone will get a 1099k. However, Ariella and another reader correctly pointed out in the comments that in the Amazon Local “help” section they clearly say that only those who exceed 200 transactions and $20,000 in transactions…
  • New restrictions on Evolve Money Payments

    Arielle Bianchimano
    27 Aug 2014 | 11:59 am
    Not all change is good, and it seems that Evolve Money is moving further and further away from being the gift card friendly company it once labeled itself as.  In the past the online billing company has said that it is committed to letting it’s customers pay bills easily with all debit cards including Visa and MasterCard gift cards. But come 9/1/2014, it will be become much harder to do just that. I just received this email.   Dear Evolve Money Customer, Due to changes in our risk and regulatory compliance policies, Evolve Money will be implementing a limit of one payment per…
  • $25 Free Credit When You Join Hotel Engine

    William Charles
    27 Aug 2014 | 3:09 am
    This post contains a referral link. If you use our link you will receive a $25 credit on sign up, we will also receive a $25 credit after you make your first hotel booking. We appreciate you using our links whenever possible. Hotel Engine looks to be a new hotel booking website, similar to sites such as Agoda, Booking.com and others. To help get more people to use their website they are offering $25 in free credit when you sign up for an account. The credit is applied instantly on sign up and can be used straight away, you can apply the discount to your first hotel booking to reduce the room…
  • Citi Adds Two More ThankYou Point Airline Partners (Malaysia + AirFrance/KLM)

    William Charles
    27 Aug 2014 | 1:42 am
    In July Citi Bank announced that ThankYou points would be transferable to 7 different airline partners (along with Hilton HHonors which has been a partner for awhile now). They’ve also just announced two new airline additions. New Additions Below are the two new additions, you can now transfer to these loyalty programs if you have ThankYou points (must transfer a minimum of 1,000 points at a time and must have a Chairman, Prestige or ThankYou Premier card). Click the links below to be taken to the award chart for that airline. AirFrance-KLM Flying Blue Malaysia Airlines Enrich Full…
 
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    moneypantry.com

  • Easy Money: a Simple Way to Make an Extra $65 (or More) a Day

    Satrap
    27 Aug 2014 | 1:49 pm
    Today, I am going to share a truly easy method that I (and so many other people) have been using to make extra cash consistently. This method involves offering a totally free service to others. Free service? But how would I make money?… Well, read on to find out how this system works, and how it can make you an easy $65 or more a day.   The Concept Ok, you are going to be offering a free service, and that free service is website creation. Yes, you are going to create a free website (up to 5 pages) for anyone, under one condition- They have to buy their hosting account through you.
  • Kmart Free Samples: Get them Online & by Mail

    Satrap
    25 Aug 2014 | 8:53 pm
    With more and more established and traditional corporations taking on Internet as a way to attract more customers to their traditional brick and mortar stores, online sample giveaways are becoming even more popular. One of those big retailers targeting the web traffic to drive its in-store sales is Kmart.   How to Get Free Samples from Kmart? Through its FREE Sample Center, Kmart now gives out all kinds of samples and freebies from foods, and beauty supplies, to cleaning, school supplies, and more. To get your free Kmart samples, all you have to do is visit Kmart’s FREE Sample…
  • 40 Best International Work from Home Jobs

    Satrap
    23 Aug 2014 | 6:58 pm
    I recently published a list of work from home jobs which got a lot of attention from our readers. At the same time, I have had many of our readers emailing me asking about companies that hire internationally. Mina from Durban, South Africa, writes: …I checked out almost all the companies on your list of legitimate work at home companies, but seems like most only hire workers from the US and a few other western countries. It would be nice if you could publish a list of companies who hire people from other parts of the world as well… She is right! Sadly, most big companies that hire…
  • 2 Ways to Make Money on YouTube (Step by Step Guide)

    Satrap
    21 Aug 2014 | 3:59 pm
    It is no secret that there are many people who make money on YouTube. There are some who even make their entire living off YouTube, though for most people, it’s just a great way to supplement their income. Some people think its dying down, but there is still room for anyone who wants to make money with Videos on YouTube. Let me be clear about one thing don’t waste your money on so-called “YouTube Money Making Guides”. You know, those eBooks and “courses” that claim they have the secret to making easy money on YouTube, and that you can access their secret…
  • Target Free Samples: How and Where to Get them

    Satrap
    20 Aug 2014 | 10:33 am
    In the past, I have talked about companies and websites that give free stuff. Today, we are going to get some freebies from one of the giants in the retail industry, Target. The Target Sample Spot has been my favorite online spot for the last couple of months. I found this free samples giveaway from Target by chance when I was browsing the web out of boredom, and I have since made regular visits to this site. To get the free samples, all you need to do is simply answer a few questions and enter your address so you can get the free Target samples by mail. To make it easy for you, I have put…
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    CompareHero Malaysia

  • Money Lessons from Malaysia’s Richest (Infographic)

    CompareHero
    28 Aug 2014 | 1:13 am
    They’re rich and controversial—what more can you expect from Malaysia’s billionaires? But if there’s anything we can learn from them, it’s all about how to be successful. No, it’s not one of those “get rich fast” schemes, but definitely wise and practical money lessons on how to reap what we sow. Share this Image On Your Site <p><strong>Please include attribution to CompareHero.my with this graphic.</strong></p> <p><a href='www.comparehero.my/blog/lessons-malaysias-richest/'><img…
  • Is Your Credit Card Secure?

    CompareHero
    25 Aug 2014 | 9:17 pm
    Credit card fraud refers to an incident where someone uses your credit card without permission to make purchases. Credit card fraud usually happens through counterfeit or fake cards, loss or stolen credit cards, skimming using an electronic device, email phishing, and various other ways. The introduction of chip-based credit card security, have caused cases of credit card fraud in Malaysia to go down significantly. In 2004, cases of credit card fraud in the country amounted to MYR 68 million. The figure went down to MYR 20 million in 2006. The MCA Public Services and Complaints Bureau reports…
  • 5 Must-Try Restaurant Buffets in KL

    CompareHero
    22 Aug 2014 | 12:40 am
    Food is one of the greatest delights in the world. People are happier when they are well-fed, and conversations are best paired with delicious food. And did you know buffets are one of the best places to enjoy food, company, and conversation? You only have to pay a fixed price, and every dish at the buffet is yours for the taking! Sampling Kuala Lumpur’s finest is even better when you use your credit card. Widely accepted in Malaysia, experience convenience, enjoy discounts, get access to special dining privileges, and earn more points when you use your credit card every time you dine.
  • The ALS Ice Bucket Challenge Hits Malaysia

    CompareHero
    20 Aug 2014 | 1:15 am
    It’s the latest viral craze to hit the internet these days. Bill Gates has done the challenge, so have Mark Zuckerberg, Justin Timberlake, Tom Hiddleston, and many other celebrities around the world. Celebrity challengers have taken to social media to post videos of them doing the Ice Bucket Challenge, and it has spread through the internet like, ironically, wildfire. The challenge is this: you pour a bucket of ice water over your head and challenge 3 other people to do it, or they'll have to make a donation to the ALS Association within 24 hours. Simple, isn’t it? But what’s the ALS…
  • 5 Financial Decisions You Need to Make Now

    CompareHero
    19 Aug 2014 | 7:37 pm
    Whether or not you think life is short, there are some things that never change: that we’re not getting any younger, and money still makes the world go round. Money matters are hard to deal with, though, so most of us keep putting making financial decisions until the last minute. Stop that! Putting off important financial decisions can haunt you when you get older. The more you put them off, the harder it will be to manage these finances in the future. Here are the financial decisions you need to be making right now: 1. Get Rid of Debt Clearing your accounts of debt ensures that you have…
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    Smart Credit Building | Smart Credit Building

  • Those scores aren’t right!

    Michael Clark
    19 Aug 2014 | 8:35 am
    We hear that often along with the question “Why are they so different than what the lender shows?” The simple answer is actually a question. What scoring model was used? Fair, Isaac and Company (FICO) is a publicly traded company that provides analytics and risk based scoring including credit scoring. This is a widely accepted scoring model and plays a ... Read More
  • Is All Credit Repair Created Equal?

    Michael Clark
    23 May 2014 | 9:15 am
    If you’re here reading about building positive credit, chances are you have some negative credit as well. Through searching for information you have surely come across ads for different Credit Service Agencies that make various claims of helping you remove negative and inaccurate items. For a fee of course. You may have even talked to one or more of them, ... Read More
  • Having a Credit Card: Important or Not

    Michael Clark
    9 May 2014 | 10:50 am
    In the self-focused society we have turned into, buy now pay later and instant gratification are promoted. Credit cards are a way of life for a lot of households, and it can cause a lot of financial woes. So much so that many consumers are shifting away and going to “cash” (Debit card usage is at an all time high), ... Read More
  • CFPB Calls for Free Credit Scores

    Michael Clark
    3 Mar 2014 | 8:58 am
    A huge step for consumers. The CFPB IS on the consumer side. Great job Richard Cordray, and thank you to Fred O. Williams for reporting. Read the full story here
  • How Do I Build Good Credit After a Bankruptcy?

    Michael Clark
    20 Jan 2014 | 7:51 am
    Pardon me for a second while I write a nasty word… Bankruptcy. Now that the fowl language is out of the way, what can be done to recover. I don’t just mean our relationship from my bad language, I’m talking about your credit. Some consider it the end of your credit, but it doesn’t have to be. It was designed ... Read More
 
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    Money International

  • Putin Plays Russian Roulette With Sanctions

    Vicky Dixon
    29 Aug 2014 | 2:10 am
    President Vladimir Putin is playing Russian roulette with the country’s economy in his cat-and-mouse game over sanctions, claim investment experts. Putin has barred food and agricultural imports from the US and European Union following rounds of sanctions imposed by Western states over the Russian backing of the militant uprising in the Ukraine and annexation of The Crimea. The president is trying to flex his muscles in a show of power, but has seemingly recognised he can never win an economic war with the West because Russia needs the imports more than his opponents need Russia. The key to…
  • 12m Saving Too Little For Comfortable Retirement

    Vicky Dixon
    29 Aug 2014 | 1:00 am
    If you want a comfortable retirement income, then you will have to dig deeper into your pocket, warns pension minister Steve Webb. He pledges the government will always put out a state pension safety net to cover basic spending, but anyone wanting to maintain their standard of living after giving up work will have to pay for life’s luxuries, he cautioned. His remarks followed the release of a Department of Work and Pension study into retirement saving habits. The research revealed almost 12 million workers are not putting enough cash aside for their retirement. However, he tempered the…
  • Ebola Spreads To Fifth African Country

    Martin Hughes
    27 Aug 2014 | 11:28 pm
    The Foreign & Commonwealth Office (FCO) is warning British expats, business travellers and holidaymakers to stay away from a long list of global trouble spots. Top of the list are the five West African nations struggling to deal with the deadly Ebola virus. Sierra Leone and Liberia have declared a state of emergency, and many airlines are refusing to fly in or out of the countries. Border posts are blockaded by troops as medical authorities battle to contain the disease that has claimed nearly 1,000 lives since the first case was reported in Guinea in February. Doctors in Nigeria and…
  • US Marijuana Freedom Is A Pot Of Gold For Investors

    Martin Hughes
    27 Aug 2014 | 10:48 pm
    The marijuana industry is proving to be a pot of gold for entrepreneurs in the US. Start-up businesses are capitalising on law changes making the medical and recreational use of marijuana legal in the states of Washington and Colorado, while voters in Washington DC will have their chance of joining the revolution in November. Legalising marijuana has triggered a bonanza of start-up businesses – some legal and some not quite so legal in both states. The boom is nationwide as companies in other states are cashing in on the boom by supplying hydroponics systems for growing cannabis on an…
  • Easy Access Pension Options Revealed

    Vicky Dixon
    26 Aug 2014 | 11:18 pm
    If the new British pension easy access rules were not complicated enough, the government has issued a new stack of guidance explaining three ways retirement savers can take their money. From April 2015, the government is throwing away the old pension drawdown rules and replacing them with a new set that gives retirement savers more control over their cash. Chancellor George Osborne and Pension Minister Steve Webb have scrapped the old method of drawing a 25% tax free lump sum and buying an annuity to provide a guaranteed income for life. Instead, retirement savers can take their money from…
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    SuperMoney!

  • 12 Apps That’ll Help You Split Bills with Your Friends

    Audrey Henderson
    27 Aug 2014 | 5:45 pm
    So, you’re out with your crew and everyone is having a great time. The food and libations are tasty and the atmosphere is chill. That is, until the check arrives. It’s one thing when everyone is splitting a pizza and a pitcher of beer, pop or sangria. But what if each person orders a separate dish? And there’s always that one glutton who orders way more stuff than everyone else – and expects everyone else to subsidize his or her indulgences. Related article: 25 Apps Every College Student Should Have Back in the day, if you were an Urkel type, you would whip out the calculator and…
  • Gender Marketing: How Brands Use the Power of Colors To Persuade You

    Rolla Bahsous
    26 Aug 2014 | 5:24 pm
    Have you ever wondered why men’s body products are always in shades of gray and red? Or why many female products are pink and flowery? These design choices aren’t random, nor are they solely chosen for aesthetic appeal. Positioning and Image Creation Many companies rely on advertising to sell their image, product, and brand. As contemporary semioticians (those who study signs, referents, and meanings) note, advertisers use two main techniques to sell products or brands: positioning and image creation. Positioning refers to having a defined targeted market for a brand or…
  • How to Pay off Credit Card Balances More Effectively

    Andrew Latham
    26 Aug 2014 | 11:16 am
    When it comes to paying off credit card bills, there are so many options and conflicting advice floating around it’s no wonder so many people make such expensive mistakes. However, there are smart ways and dumb ways to repay your credit card debt. Taking the right approach, particularly when you have several credit cards to pay, requires a good strategy. It’s worth it though, because choosing the right approach can save you hundreds, if not thousands, of dollars in interest. This simple approach, often called the Stacking method, will ensure you pay your credit card bills in the most…
  • How To Make Money Online – 24 Ideas That Work‏

    Jennifer Leonhardi
    25 Aug 2014 | 11:14 am
    We all wish we could have a little extra cash now and then. But did you know that an extra income could be easier than you may think? The world is becoming more and more dependent on the world wide web, and because of that there are an increase in money making opportunities available online. Here are 24 ideas of how you can cash in by working online. 1. Become a Seller on eBay One of the most common and easiest ways to make a little extra cash is to become a seller on eBay. . You can open a virtual store front and sell all kinds of items: from clothing to art, or jewelry to electronics.
  • 10 Accounting Tricks the 1% Use to Dodge the Taxman

    Audrey Henderson
    25 Aug 2014 | 8:50 am
    Legendary writer F. Scott Fitzgerald wrote a disparaging view of the rich in the opening of a 1925 short story called “The Rich Boy.” “Let me tell you about the very rich. They are different from you or me.” – F. Scott Fitzgerald As it turns out, Fitzgerald was more right than perhaps even he realized. Rich people not only have more money than everyday Americans, they use that money and the influence to maintain and perpetuate their wealth for themselves and their heirs. Many of their strategies involve accounting tricks used to dodge the long arm of the IRS. But tax-dodging…
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    Your Smart Money Moves | Personal Finance Blog

  • Can You Ditch The Debt Collector?

    Ted Jenkin @ Your Smart Money Moves
    27 Aug 2014 | 1:09 pm
    An estimated 1 in 3 adults with a credit history — or 77 million people — are so far behind on some of their debt payments that their account has been put “in collections. “That’s a key finding from a new Urban Institute study. It examined non-mortgage debt, including credit card bills, car loans, medical bills, child support payments and even parking tickets. The debt in collections ranged from as little as $25 to a whopping $125,000. But the average amount owed was $5,200. (source money.cnn.com).   So, what happens when the debt collector comes calling for you?
  • How to Get Rich w/ oXYGen Financial – 08/26/2014

    Ted Jenkin @ Your Smart Money Moves
    26 Aug 2014 | 7:00 am
    Topic: FIVE CHEAP VACATION IDEAS FOR THE FALL!!! Taped 08/19/14 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
  • The Top Five Things People Like To Steal

    Ted Jenkin @ Your Smart Money Moves
    25 Aug 2014 | 7:53 am
    Tell me lies. Tell me sweet little lies. I do enjoy Fleetwood Mac’s music and for years people have been convincing themselves that there IS a difference between a lie and a ‘white lie’. Y ’know, the lies that don’t really count. If you asked most people on the street, they will vehemently deny ever having been a thief in their lifetime. However, most of us at one time or another have magically ‘borrowed’ something that wasn’t ours and conveniently it never got returned. Here is my top five list of things people like to steal. PENS- Does it really matter when you realize five…
  • VIDEO: Five Vices That Could Ruin Your Financial Future

    Ted Jenkin @ Your Smart Money Moves
    22 Aug 2014 | 2:03 pm
    Read the full post here.
  • Five Vices That Could Ruin Your Financial Future

    Ted Jenkin @ Your Smart Money Moves
    22 Aug 2014 | 10:04 am
    We all have vices.   For some people it is biting their nails when they are stressed out.  For others it is taping and watching every single episode of the Real Housewives on Bravo TV.   Some vices are innocent while others can get you in big trouble.  Here are five financial vices you want to avoid if your goal is to become rich. Gambling- I am not talking about placing a $5 bet on the NCAA basketball championships.   The lottery for most people (especially scratch off tickets) can be a very addictive habit and one that is tough to break.  Spending $40 a week on lottery tickets vs.
 
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    Money On Trees

  • A Little Research May Save Your Textbook Budget

    Fabio Marrama
    21 Aug 2014 | 1:13 pm
    Out of all the costs you can predict when heading back to school, unfortunately textbooks isn’t one of them. Until you know your book list, it can be difficult to budget for this back-to-school essential. I can recall one semester where a single class alone ate up almost $700 of my savings. It seemed almost hard to fork over that kind of cash when I approached the counter to pay – but it’s a reality. Some students are even going as far as illegally downloading textbooks and risking being charged with copyright infringement– yikes. . The good news is, if you think a little outside the…
  • The B-word Every Student Should Know: Budgeting

    Fabio Marrama
    7 Aug 2014 | 3:00 am
    As summer begins to wind down, young people across Canada are getting ready to go back to school. When you’re a kid, parents take care of everything from new sneakers to a fresh new supply of pens and paper (those were good times). But once you set off to post-secondary education, back-to-school is a whole new ball game. It wasn’t so long ago that I myself was a student, and I learned a lot about what it means to control your own finances during my time at college. Over the years I figured out that being proactive with my budget allowed me more financial freedom and security while at…
  • Low Fees, No Fees Makes More Cents

    Fabio Marrama
    31 Jul 2014 | 3:00 am
    When I was little, at the end of a visit with my Grandmother, she would call me over and hand me a $2 or $5 bill. It was a small gesture of her love (her biggest being food of course), but to me that was a huge amount of money. I would use the car ride home to daydream about all the things I could spend it on (usually candy) and never once thought about putting it away for a rain day.. Nowadays, although I’m pretty thrifty, $5 bills and other small transactions still seem to float in and out my hands without a second thought. I use a spending journal or various handy mobile apps like Mint…
  • Why a Credit Union Feels Different

    Fabio Marrama
    23 Jul 2014 | 1:39 pm
    Have you ever wondered why credit unions are different from other financial institutions? I know that I used to question the difference, but as I have become more financially literate, I’ve found that while banks and credit unions have similarities in product offerings, they each have a unique way of conducting their operations, providing service and engaging with their communities. Since I became a credit union member, I’ve noticed that a credit union feels different because I am a Member, not a customer and I actually own the place! That’s right – with a credit union you own where…
  • Banking for Millennials Means Technology and Personal Service

    Fabio Marrama
    18 Jul 2014 | 1:29 pm
    I have a secret to tell you. I may have seen the future…of banking. And it’s beauti ful. As I come from a bloodline of technologically un-savvy people, I think I do okay for myself. Heck, part of my job is to write this fine blog and engage on social media. As our generation increasingly lives, works and socializes digitally – why wouldn’t banking come along for the ride? When it comes to apps, 47 per cent of Canadians said that they use weather apps the most, which given the winter we had doesn’t surprise me. But a close second, 33 per cent of Canadians said they use a banking…
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    Become Successful

  • Is Opportunity Monopolized?

    Mark
    2 Aug 2014 | 5:49 pm
    NO man is kept poor because opportunity has been taken away from him; because other people have monopolized the wealth, and have put a fence around it. You may be shut off from engaging in business in certain lines, but…Read more ›
  • There is A Science of Getting Rich

    Mark
    2 Aug 2014 | 4:23 am
    THERE is a Science of getting rich, and it is an exact science, like algebra or arithmetic. There are certain laws which govern the process of acquiring riches; once these laws are learned and obeyed by any man, he will…Read more ›
  • The Right to be Rich

    Mark
    31 Jul 2014 | 5:38 am
    WHATEVER may be said in praise of poverty, the fact remains that it is not possible to live a really complete or successful life unless one is rich. No man can rise to his greatest possible height in talent or…Read more ›
  • The 17 Principles to Success

    Mark
    12 Jul 2014 | 4:55 am
    Please read carefully because you may discover the secret & the master-key to freedom in this first reading of these 17 principles. Free your mind from any concept you may have right now and remember that ‘whatever your mind can…Read more ›
  • …Visions…

    Mark
    5 Jun 2014 | 2:12 am
    Scott Bursaw is the creator of solar powered roads. He spent years in researching solar power for roads.
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    Bankrate.com » Rates

  • 6-month CD rates in Healdsburg, California

    Mitch Strohm
    28 Aug 2014 | 12:00 pm
    Are you shopping for a short-term CD in California? The average 6-month CD rate is currently at just 0.15 percent. That makes it important to shop thoroughly for the best deals out there. And our tools can help you look for the best CD rates in Healdsburg, CA, today. Traditional CDs are a safe place
  • Mortgage rates in Healdsburg, California

    Clare Mallen
    28 Aug 2014 | 12:00 pm
    Moving and looking for mortgage rates in Healdsburg, CA? Let our site assist you by providing tools to help you make a decision. Our easy rates search function allows you to check local mortgage rates in Healdsburg and throughout California. Rates are subject to fluctuation during the day and week. Use our site to find accurate and current
  • Auto loan rates in Healdsburg, California

    Mitch Strohm
    28 Aug 2014 | 12:00 pm
    You can use our tools to shop for lowest auto loan rates in Healdsburg, CA. You'll find four lenders in this survey offering rates lower than the national average on 48-month new-car loans. The average for that term is currently 3.98 percent. And one lender is offering 2.24. To qualify for the best rates, you'll
  • Retirement planning in Healdsburg, California

    Clare Mallen
    28 Aug 2014 | 12:00 pm
    Surfing for the latest information for your retirement planning in Healdsburg, CA? Then look no further than our site, where you will discover great retirement planning strategies -- including all the tools, calculators and guidelines you will need. Think about investing in a money market account as a safe and protected vehicle for your cash in
  • Money market account and rates in Healdsburg, California

    Mitch Strohm
    28 Aug 2014 | 12:00 pm
    The average national money market account rate is currently at j