Personal Finance

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  • Loyal3 Investment Update #1

    Clever Dude Personal Finance & Money
    Brock
    16 Apr 2014 | 3:41 am
    At the beginning of March, I opened an account with Loyal3 and invested a small amount of money in one of my favorite bar and grill restaurant, Buffalo Wild Wings. I only invested $60, but the point wasn’t to get rich quick. The goal was to simply to play around with the stock market and see if an average joe like myself could make some money in the stock market using an easy to use trading platform like Loyal3 After about six weeks, it’s time to see how my investment is doing. Current value of my $60 investment: $58.43 Everything I read about Buffalo Wild Wings is positive.
  • The 25 Best Places To Retire in 2014

    Forbes - Personal Finance
    Ashlea Ebeling
    23 Apr 2014 | 9:32 am
  • 7 Kick-Ass Ways To Fight That Afternoon Laze & Pump Up Your Energy Levels

    SuperMoney!
    Suchi Rudra
    22 Apr 2014 | 10:47 am
    Wondering what to do when that caffeine crash hits you in the afternoon? Anyone else would tell you to go for more coffee. But that’s not a good idea, you see. Check this, this and this out. Here are some effective alternatives to coffee that can still help you effectively fuel your work productivity and keep your energy levels at a high for the rest of the work day: 1. Jump around or do some yoga! Do whatever tickles your fancy, but you need to get active, get your heart pumping. Stretch your limbs, take a 15 minute walk and breathe in some good old fresh air into your lungs. Do some…
  • Get Rich Slowly: The Course

    Get Rich Slowly - Personal Finance That Makes Sense.
    J.D. Roth
    23 Apr 2014 | 4:00 am
    This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. Here it is, 2:22 on a Tuesday afternoon. I’ve been up for more than 48 hours straight with only brief naps snatched here and there. I’m exhausted — but I’m happy. What’s the deal? Am I a proud new papa? Well, as most of you are aware by now, I am a father of sorts. This morning at 9 a.m., after nearly a year of effort, I launched my latest project, a 52-week guide to building wealth. Like this site, the course is called Get Rich Slowly,…
  • Owning gold – a small downside with a huge upside.

    Owning Gold Blog
    dhkenrick
    20 May 2013 | 4:19 pm
    When you invest money there is usually a reasonable upside and a huge downside. Just ask anyone who invested their savings in Enron or with Bernie Madoff. Yes, those are extreme examples. But there are thousands of other cases where honest people invested their savings in the hope of a reasonable growth in their savings, but instead lost it all. It was the same with real estate. People invested what they had, borrowed heavily, and hoped that their home would grow in value and cover their debts. But that didn’t happen. Instead they faced foreclosure. They lost everything. Even of you play it…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Get Rich Slowly: The Course

    J.D. Roth
    23 Apr 2014 | 4:00 am
    This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. Here it is, 2:22 on a Tuesday afternoon. I’ve been up for more than 48 hours straight with only brief naps snatched here and there. I’m exhausted — but I’m happy. What’s the deal? Am I a proud new papa? Well, as most of you are aware by now, I am a father of sorts. This morning at 9 a.m., after nearly a year of effort, I launched my latest project, a 52-week guide to building wealth. Like this site, the course is called Get Rich Slowly,…
  • More on how to stop buying clothes you never wear

    April Dykman
    22 Apr 2014 | 4:00 am
    This article is by staff writer April Dykman. More than four years ago, I wrote a post for Get Rich Slowly about how to stop buying clothes you never wear. I wasn’t sure how it would go over, to be honest. We don’t discuss fashion much in our little corner of the Internet, and I also worried about being judged for my sordid, non-frugal past. But it was a problem I’d had struggled with, and it was a problem that cost me a lot of money over the years. And in the 100+ comments on the original post, many of you said that you’ve struggled with the same problem. So here we…
  • Cutting grocery bills: Aldi and bulk-food stores

    Lisa Aberle
    21 Apr 2014 | 4:00 am
    This article is by staff writer Lisa Aberle. No matter what I do, we’re still spending more on food each month than I want to be spending. Two of my weapons in the battle to lower my food bill that I haven’t talked about yet are Aldi and bulk-food stores. One thing I don’t like to do is stop at several different stores, so I don’t shop at all stores every week, or even every two weeks. Both these stores are small, and I prefer to shop at these stores instead of Walmart or other huge stores. (Does anyone else get exhausted by the sheer number of decisions, people, and…
  • Talking with Gretchen Rubin about money and happiness

    J.D. Roth
    20 Apr 2014 | 4:00 am
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money, where he recently wrote about how to be happy. As part of the Get Rich Slowly course (out this Tuesday!), I interviewed 18 of my favorite financial experts (and non-financial experts). Combined, these interviews comprise over eight hours of audio and more than 200 pages of written transcripts, all of which will be available as part of the package. For instance, I had a fantastic 40-minute conversation with my friend Gretchen Rubin, author of the…
  • Best CD Rates | Certificate of Deposit

    J.D. Roth
    18 Apr 2014 | 3:30 pm
    Current Certificate of Deposit Rates A certificate of deposit (CD) is considered a time deposit because it is not a liquid asset that can be accessed on demand. Instead, the amounts deposited into a CD are expected to remain untouched for a specific period of time. (In general, the longer the term, the higher the interest rate for a CD.) Historically, interest rates for CDs have been higher than for high-yield online savings accounts, and both types of accounts are generally FDIC-insured. There is usually a penalty if you withdraw your funds before the end of the term. Interest rates are a…
 
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    Consumerism Commentary

  • Why Big Wins Are the Best Way to Boost Your Saving Rate

    J.D. Roth
    22 Apr 2014 | 9:11 am
    This is a guest post from J.D. Roth, who founded the Get Rich Slowly blog and currently writes at More Than Money. J.D. recently launched a year-long "Get Rich Slowly" course, which is based on the idea that you’d have greater financial success if you managed your money as if you were running a business. I’ve previously written about approaching your finances like a business. I’m convinced that more people would achieve financial success if they managed their home economy as if they were running a small business. We all know that a company needs to earn a profit to…
  • Three More Invalid Criticisms of David Bach’s Latte Factor

    Luke Landes
    22 Apr 2014 | 6:00 am
    I recently appeared on the Stacking Benjamins podcast to talk with Joe Saul-Sehy about the Debt Avalanche and the Debt Snowball, two very similar methods of paying off existing debt — usually applied to situations that involve mutiple credit cards. They two approaches differ in one important aspect, and I’ve discussed that in detail on Consumerism Commentary. You can listen to that podcast episode here. We go beyond the details of debt payoff and discuss the mindset that comes about from being hopelessly devoted to gurus and strong personalities. And one thing that comes out of…
  • Two Invalid Criticisms of David Bach’s Latte Factor

    Luke Landes
    21 Apr 2014 | 11:26 am
    More than seven years ago, I encouraged readers to forget about the Latte Factor. The Latte Factor — a registered trademark — is the core marketing message from personal finance guru and author David Bach. The concept uses a daily morning latte as a metaphor for all small, habitually repeated expenses, that add up to a lot of money over time. A lot of that money could better serve us by being placed in savings or investing than being spent through an unnecessary habit. The Latte Factor and its bigger meaning have drawn much criticism. Not all financial experts are interested in…
  • Want to Fail? Ignore Survivorship Bias.

    Luke Landes
    16 Apr 2014 | 11:55 am
    Whether you’re making a decision that has apparent, immediate consequences that could affect the rest of your life, like deciding to quit your job and open a business, or making a purchasing decision big or small, it is worthwhile to gather information and think about the future. When you gather information, you have to be careful, because people, businesses, and even statistics that provide that information might contain inherent biases. Survivorship bias is often hidden in plain sight, but recognizing the bias when it exists could be the difference between building wealth over the…
  • Home Grocery Delivery: Peapod vs. FreshDirect

    Luke Landes
    9 Apr 2014 | 12:54 pm
    Although I don’t take advantage of this type of service every time I need to go food shopping, grocery delivery is one luxury I enjoy about once a month. I’ve been a customer of Peapod for about eighteen months. Peapod is a company associated with Stop & Shop, a supermarket in my area. The food they offer is the same as Stop & Shop’s items, including store brands. Throughout almost this entire period, living in a New Jersey suburb, Peapod has been my only choice for food delivery. That changed a few weeks ago when FreshDirect expanded its delivery service to…
 
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    Yahoo News - Latest News & Headlines

  • Court tosses $3.4M award to child porn victim

    23 Apr 2014 | 11:57 am
    Supreme Court says man found with pictures not responsible for entirety of woman's losses.
  • Ukraine militants: We're holding U.S. journalist over 'destabilizing' reports

    23 Apr 2014 | 12:21 pm
    Pro-Russian separatists in eastern Ukraine on Wednesday confirmed they are detaining a U.S. journalist working with Vice News. The self-declared separatist mayor of Slaviansk told reporters the journalist, Simon Ostrovsky, had been detained for reporting what he said was false information that was "destabilizing for us" but that he was being treated well. Mayor Vyacheslav Ponomaryov attempted to joke about the situation. Vice News has said on its website that it is in contact with the U.S. State Department and other government authorities to work toward securing the safety of its…
  • Oldest living ex-MLB player dies in Cuba at 102

    23 Apr 2014 | 12:06 pm
    HAVANA (AP) — Conrado Marrero, the diminutive Cuban right-hander who pitched for the Washington Senators in the 1950s and in 2011 became the oldest living former Major League Baseball player, died in Havana on Wednesday. He was 102, just two days short of his 103rd birthday.
  • Prince Charles' brother-in-law dies in NYC after fall

    23 Apr 2014 | 11:46 am
    LONDON (AP) — The brother of Camilla, Duchess of Cornwall, has died after sustaining a serious head injury following a fall in New York, British royal officials said Wednesday.
  • Shakeup marks new era for pardon process

    23 Apr 2014 | 9:23 am
    New program focused on thousands of clemency petitions from nonviolent federal inmates.
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    My Money Blog

  • Lyft Promotion Credit Codes: Free Ride Credits

    Jonathan Ping
    22 Apr 2014 | 7:59 pm
    Lyft is a smartphone-based ride service that competes with traditional taxis. They are similar to Uber, but Lyft calls their fares “donations” and aggressively recruits casual drivers who can apply directly from their app. (Uber does a similar thing with their UberX service whereas their UberBlack and UberTAXI service employs professional full-time drivers.) Lyft drivers are screened with DMV and background checks, as well as provided $1 million in liability coverage. Riders pay entirely through the smartphone app. Drivers keep 80% of the total fare. Here is a list of all the…
  • Kayak.com Airfare Price Prediction Tool: Don’t Bother

    Jonathan Ping
    22 Apr 2014 | 12:18 am
    In 2007 I wrote about a site called Farecast.com that used past data to offer a prediction on whether airfares would rise or fall in the future. I even used it to book tickets a couple times. It was soon bought and absorbed by Bing Travel (Microsoft) for $115 million in 2008 and but it has recently been killed off and is no longer available. In a recent FiveThirtyEight.com article, Kaiser Fund tested out Kayak.com’s own price prediction tool. It wasn’t a broad survey – he tracked 32 different requests and tracked the prices until Kayak said to buy. Here are the results: Out…
  • Retirement Portfolio Spending Strategy – Withdrawal Order Flowchart

    Jonathan Ping
    21 Apr 2014 | 12:28 am
    According to research from the Vanguard Group, another area where a skilled financial advisor is supposed to able to add value is helping retirees manage withdrawals from their portfolios in order to minimize taxes. According to their paper: Advisors who implement informed withdrawal-order strategies can minimize the total taxes paid over the course of their clients’ retirement, thereby increasing their clients’ wealth and the longevity of their portfolios. This process alone could represent the entire value proposition for the fee-based advisor. The paper goes on to show how correct…
  • How Good Portfolio Management Can Improve Real-World Returns

    Jonathan Ping
    17 Apr 2014 | 11:16 pm
    Vanguard has released a research paper called Putting a value on your value: Quantifying Vanguard Advisor’s Alpha, which provides the data and methodology behind its previous statement that a good financial advisor should be able to affect the performance of client’s portfolio by about three percentage points. The areas where good management can add value are summarized in the graphic below: As a DIY investor, this chart also provides suggestions for areas to focus your energy. The biggest single “value-add” appears to be in the area of behavioral coaching. This basically…
  • Citi® Hilton HHonors™ Visa Signature® Card – Limited Time Offer

    Jonathan Ping
    17 Apr 2014 | 12:07 pm
    Last update: Offer expires Friday, 4/18/14. Citi has a new limited-time promotion for its Citi® Hilton HHonors™ Visa Signature® Card. The sign-up bonus has been improved by 10,000 points and a $50 statement credit over their standard offer. This offer is only available on a handful of sites, not even on Citi.com. LIMITED TIME: Earn a $50 statement credit after spending $50 on your first stay at any hotel and resort within the Hilton HHonors Portfolio during the first 6 months of cardmembership as well as 50,000 Hilton HHonors Bonus Points after $1,000 in purchases within the first 4…
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    The Simple Dollar

  • The Simple Dollar Weekly Roundup: Child Medical Issues Edition

    Trent
    23 Apr 2014 | 7:00 am
    At almost the exact same time, our youngest child got a large facial rash and our daughter got an extremely sore baby tooth. This led to medications. Doctor’s appointments. Worry. Being a parent would be far easier if you could simply rely on perfect health from your children. Human lives are fragile, though. I am thankful for the health that they do have. How to Stop Buying Clothes You Never Wear I think this advice applies to anything that people buy without using. I’ve been guilty of doing this with books and games in the past. (@ get rich slowly) Is Your Financial Situation…
  • 7 Excuses People Use to Avoid Financial Responsibility – And Why They’re Useless

    Trent
    22 Apr 2014 | 1:00 pm
    This article first appeared in U.S. News and World Report Money. The recipe for finding financial success is an easy one. Spend less than you earn and do something sensible with the difference. If you do that over and over, you will see financial success. The challenge is actually making that happen. It’s not easy and most of us eventually hit a bump or two along the way. The challenge comes when you recover from that misstep. Do you brush yourself off and get back to work? Many people don’t. Instead, they find excuses for why they made that move. Even better, that excuse usually still…
  • Discover the Forest

    Trent
    22 Apr 2014 | 7:00 am
    One of the coolest online tools I’ve seen in a long time came to my attention this past weekend as I was thinking about our family’s weekend plans between now and Memorial Day. With the arrival of spring, I was looking for outdoor activities, when I came across DiscoverTheForest.org. DiscoverTheForest is a website that allows you to see all of the parks, hiking trails, forests, and other natural areas within a small radius of where you live. Simply type in your zip code and set a radius (say, 25 miles) and a map pops up showing you all of these locations. You can click on each one…
  • Underpromise. Overdeliver.

    Trent
    21 Apr 2014 | 1:00 pm
    One common tactic that people use to wow their clients or bosses is to promise a little less than what can be achieved, then deliver more than what was promised. If you promise everything you think you can achieve, you create a very tight and difficult schedule for yourself, one that’s prone to disaster if you begin to fall behind, and you’re also struggling to simply deliver what was promised. On the other hand, if you promise a little less than you can achieve, you create a looser schedule for yourself, one that can deal with a few small setbacks without disaster. Not only that,…
  • Reader Mailbag: Mushrooms

    Trent
    21 Apr 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. Balancing savings and risk 2. Cheap automobile situation 3. Finding auction deals 4. Property and income tax 5. Children and careers 6. Archiving old magazines 7. Trying to avoid more mistakes 8. Prepping for a home sale 9. Long road trips? 10. Smart phone or cheap one? One of the clearest signs of the arrival of spring in my family is the presence of morels in the woods. Morels are a delicacy and can easily be…
 
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    Wise Bread

  • 4 Reasons Why Starting a Small Business is Easier than You Think

    Linsey Knerl
    23 Apr 2014 | 4:00 am
    Sponsored by Skype — Use Skype Credit to call mobiles and landlines home and abroad at low rates. When I began dabbling in online media in 2007, it never occurred to me that I was “building a business.” I understood people who started companies as high-profile risk takers, trust-fund babies, and those with an invention the world just couldn’t live without. Little did I realize that there was a market for the distinctive skills and abilities I would bring to the table as a freelance writer and social media enthusiast. Work ethic, the willingness…
  • What You Can Learn From People Who Take Vitamins (It's Not What You Think)

    Philip Brewer
    23 Apr 2014 | 2:36 am
    For decades, in study after study, people who take vitamin supplements have been shown to be healthier than people who don't. And yet, for just as long, in every good randomized trial where some people were given a supplement and others a placebo, taking the supplement gave no benefit. New published reports mean we finally have enough data to draw some definite conclusions. (See also: Know What You're Getting With Herbal Supplements) The studies that suggested there might be a benefit were associational studies. Take a large population and divide them into the people who take supplements and…
  • 15 Ways to Stay on Budget — Even With Your Spendy Friends

    Ashley Marcin
    23 Apr 2014 | 2:24 am
    We all love spending time with our friends. But if you find yourself dipping deeper into your pockets than you'd like for get togethers, you might wonder how to cope. I, too, am on tight entertainment funds. In fact, now that I'm a full-fledged adult, I thought it would be prudent to put myself back on an allowance to stay in check. (See also: Build Your First Budget in 5 Steps) Thing is, it can feel awkward or even embarrassing when I'm asked to take part in an activity I can't afford or don't want to find room for in my budget. If you find yourself in a similar boat, consider these tips for…
  • Best Money Tips: Essential Things to Do to Retire Early

    Ashley Jacobs
    23 Apr 2014 | 2:00 am
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on retiring early, saving on wedding reception food, and simple ways to cut household expenses. Top 5 Articles 8 Essential Things To Do To Retire Early — If you want to retire early, live below your means and make a good salary. [Retire By 40] 10 Ways to Save on Wedding Reception Food — To save on wedding reception food, find a culinary school to cater your reception. [PopSugar Smart Living] Four Simple Ways to Cut Household Expenses — Did you know you can ask your phone or cable company…
  • You CAN Learn a New Language — Just Use One of These 3 Apps

    Linsey Knerl
    23 Apr 2014 | 1:48 am
    Learning a new language used to mean taking years of classes in high school. When you graduated, you knew enough Spanish, French, or German to buy a sandwich, find a bathroom, or ask if anyone speaks English — should you travel to another country. Learning a new language outside of school meant buying expensive CD sets that you listen to while you were driving or sitting around your home. You could go at your own pace but didn't have anyone to converse with or practice your new skills. (See also: 5 Ways to Learn a Language) Thanks to the growth in technology and the development of…
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    Bargaineering

  • Can CDs be a good place for your emergency fund?

    Darci Swisher
    21 Apr 2014 | 12:00 am
    Darci SwisherIf your emergency fund is sitting in a savings account that pays virtually nothing you might consider investing those dollars in a certificate of deposit. CDs are just as safe and you’ll earn a little more interest. The only caveat is that you’ll have to make sure you don’t get hit with stiff early withdrawal [...]Can CDs be a good place for your emergency fund? from personal finance blog Bargaineering.com. This blog was posted by Darci Swisher
  • Do loyal customers really get treated better?

    Kristin Wong
    14 Apr 2014 | 3:00 am
    Kristin WongWhether it’s through rewards programs or special invites, companies often tout an appreciation for customer loyalty. Yet, every few months, I find myself challenging my Internet service provider over a “promotional offer” that has expired, which means I’m paying more than new customers. It’s become a pretty standard call, and with a little negotiating, I [...]Do loyal customers really get treated better? from personal finance blog Bargaineering.com. This blog was posted by Kristin Wong
  • Blindly chasing any and every job isn’t a smart way to launch your career…Here’s how to do better

    Alissa Fleck
    6 Apr 2014 | 11:00 pm
    Alissa FleckI think we can all agree that time = money. But, when it comes to job hunting, that may not be the only equation worth considering. I’m in my mid-twenties, and since graduating college, I have always been told to apply for jobs, as many as I can, even those that seem far out of [...]Blindly chasing any and every job isn’t a smart way to launch your career…Here’s how to do better from personal finance blog Bargaineering.com. This blog was posted by Alissa Fleck
  • Boss ripping you off? Here’s what to do about it

    Kristin Wong
    30 Mar 2014 | 11:00 pm
    Kristin WongEarlier this year, beloved celebrity chef Mario Batali agreed to settle a lawsuit brought by his employees for $5.25 million. Their claim? Batali’s restaurants were allegedly confiscating tips from workers to increase profits. Maybe it comes as a surprise to you; maybe it doesn’t. But wage theft is a pretty common occurrence in the United [...]Boss ripping you off? Here’s what to do about it from personal finance blog Bargaineering.com. This blog was posted by Kristin Wong
  • Student raises $1,000 to take burrito skydiving

    Kristin Wong
    24 Mar 2014 | 3:00 am
    Kristin WongA design student from Chicago recently launched a fairly ridiculous Kickstarter campaign: He wanted to buy a burrito and graph its “deliciousness.” With an original funding goal of $8, Noboru Bitoy has blown that target out of the water. As of this post, he’s raised a whopping $1,050, all based on this simple promise: “Just [...]Student raises $1,000 to take burrito skydiving from personal finance blog Bargaineering.com. This blog was posted by Kristin Wong
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    fivecentnickel.com

  • Enter a new chapter in personal finance success

    Jeffrey Steele
    23 Apr 2014 | 1:00 am
    One of the telltale signs you’re rapidly becoming an annoying elder statesman is an increasing tendency to buttonhole much younger people and dispense advice they haven’t sought, don’t want and are unlikely to take to heart. You know the kind of guidance I’m talking about. Always eat your green vegetables. Exercise regularly. Look both ways before crossing the street. Never attempt to domesticate a bobcat. I’ve caught myself serving up a not-dissimilar course of counsel lately. Just about any conversation I have with a decades-younger adult, whether about recent…
  • Make an appointment with yourself to manage your money

    FCN Staff
    22 Apr 2014 | 9:30 am
    This is a guest post from J.D. Roth, who founded the blog Get Rich Slowly in 2006. Roth wrote Your Money: The Missing Manual and is the “Your Money” columnist for Entrepreneur magazine. His latest project is a year-long course on how to master your money, which explains how to slash costs and boost income so that you can pursue early retirement and other goals. This article is one piece of this course. In nearly a decade of talking to people about personal finance, I’ve seen that one of the biggest barriers to financial success is how little attention is given to the work.
  • Time to think about taxes, again!

    Suba Iyer
    21 Apr 2014 | 1:00 am
    Yes, I know we’re just past last year’s tax season, but good tax planning works only if we start early enough for the current year. Having last year’s tax return still fresh in memory gives us a great start for next year’s tax planning. Understand how your income is being taxed Do you know what your effective tax rate is? Do you have more than one income source? Do you know how each of your income sources is taxed? Income can be broadly classified as: Ordinary — Income from a regular job, self-employment and freelancing; interest income and non-qualified…
  • 5 Vehicles With the Longest Lifespans

    FCN Staff
    18 Apr 2014 | 1:00 am
    This post comes from Anna Williams at our partner site LearnVest.com. There are dozens of factors to consider when it comes to buying a new car—everything from safety features to the length of the loan. But if durability is high on your lists of musts, a new study might help steer you in the right direction. Automobile website ISeeCars.com sifted through 30 million used car listings over nearly 30 years to pinpoint which models were most likely to have at least 200,000 miles clocked in—and still be on the road. The verdict? Your best bet might be an SUV or larger pickup, USA Today…
  • How your life is changing in a Heartbleed

    William Cowie
    16 Apr 2014 | 1:00 am
    No, that’s not a typo. If you haven’t heard of “Heartbleed” yet, listen up. Events that radically change our lives don’t come along that often. The 9/11 attacks changed not only how we travel, but how we think and act when we go out. Having your belongings searched when you go out to a ballgame was unthinkable before; now it’s routine. Heartbleed is such an event, and over the next few years it will change how all of us do business. What is Heartbleed? It’s a security breach, but not just any security breach. Think of the infamous Target breach as a…
 
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    AllFinancialMatters

  • Is the Market Overvalued? Interesting Thoughts from Fortune’s John Cassidy

    JLP
    2 Apr 2014 | 12:20 pm
    I found this tidbit from John Cassidy’s latest column in Fortune to be interesting: “A couple of months ago I mentioned the cyclically adjusted price/earnings (CAPE) ratio, which was flashing amber. Another warning sign is provided by the so-called Q ratio, which compares the market value of corporate assets with their replacement cost, and which was developed by the late James Tobin, a Yale economist. As of March 6, when the S&P 500 closed at 1,877, the Q ratio was indicating that the market was overvalued by 76%, says Andrew Smithers, a London-based analyst who helped…
  • America’s Future Doom and Gloom or Overblown?

    JLP
    14 Mar 2014 | 11:51 am
    I have been (slowly) working my way through a book titled “Changing Texas – Implications of Addressing or Ignoring the Texas Challenge.” It’s a pretty dry read. I came across this part that I wanted to share with you [brackets] mine: 1. The U.S. workforce is becoming more racially and ethnically diverse; 2. The racial and ethnic groups that are less well educated (e.g., Hispanics) are the fastest growing due to higher rates of natural increase and [illegal?] immigration; 3. The increasing rate of retirement of “baby boomers”–the most highly educated…
  • As Goes January…?

    JLP
    10 Feb 2014 | 7:53 am
    The S&P 500 Index was down 3.46% in January. There’s a saying that goes something like “As goes January…” Well, based on history, that’s not necessarily true. Take a look at the following two graphics. The first one is all the returns (these are total returns) for the month of January listed in order from worst to best. The other column shows the total return for the remainder of that year (February – December). The second graphic summarizes those results, looking only at the Januaries with negative returns. Of the 33 Januaries with a negative return,…
  • The Periodic Table of Dow Jones Total Market Index Sector Total Returns (Through 2013)

    JLP
    2 Jan 2014 | 8:29 am
    Here is a newly-updated Periodic Table of Dow Jones Total Market Index Sector Total Returns:
  • 2013 Total Returns for the S&P 500 and Other Indexes

    JLP
    1 Jan 2014 | 6:30 am
    2013 Wow! What a year. • The Dow Jones Industrial Average was up 29.65% • The S&P 500 Index was up 32.39% • The S&P MidCap 400 Index was up 33.50% • The S&P SmallCap 600 was 41.31% Of the ten indexes I keep track of here at AFM, 7 were up. Of the three that were down, Gold was by far the worst, losing 28.24% for the year. The S&P 500′s 2013 return was its best since 1997 (it ranks 14th in the 88 years that I have data for). You can view the full report (along with the numbers for 2011 and 2012) by clicking on the following graphic.
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    Personal Finance Advice

  • The Obamacare Loophole that Isn’t a Loophole

    Jeffrey Strain
    23 Apr 2014 | 9:36 am
    No matter what your personal feelings are about the Affordable Care Act (commonly referred to as Obamacare), it’s important to understand how it works for your personal finances. Not fully understanding how it works, or making assumptions that you can … Continue reading →
  • Is Costco Gas Quality the Same as Exxon, Shell and Chevron?

    Jeffrey Strain
    22 Apr 2014 | 10:28 am
    There are many reasons to love Costco. They treat their employees much better than many businesses, and they have competitive prices when it comes to the things that they sell. While there might be some reasons that you wouldn’t want … Continue reading →
  • Go Ahead and Be a Sellout

    Jennifer Derrick
    22 Apr 2014 | 6:01 am
    A long time ago I had high artistic ideals. I wanted my work to change the world, to bring awareness to important issues, and to be “great.” That lasted until I was out of college. That’s when I realized that … Continue reading →
  • Don’t Expect a Big Raise This Year: Ask for These Perks Instead

    Jeffrey Strain
    21 Apr 2014 | 12:36 pm
    Getting a raise at work continues to be difficult, and it doesn’t appear that it’s going to be any easier in the next few years. According to the April edition of the quarterly survey from the National Association of Business … Continue reading →
  • Gas Prices Inch toward $4 a Gallon: Ways to Save

    Jeffrey Strain
    21 Apr 2014 | 10:05 am
    Gas prices continue to inch toward $4.00 a gallon, although the increases have leveled off over the past week. According to AAA, gas prices have reached a national average of $3.67 a gallon. That’s an increase of three cents from … Continue reading →
 
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    Personal Finance Resources

  • IPO of WonderLa Holidays

    Team RupeeManager
    23 Apr 2014 | 7:19 am
    As the stock market is turning bullish, it is time for IPOs to start launching. You will never hear of an IPO in a bear market as it is impossible to get a good price for promoters in a depressed market. If you want to research on the upcoming IPO of WonderLa Holidays, here’s two posts that you may find useful: Deepak Shenoy’s review of the WonderLa IPO Shiv Kukreja’s review on OneMint While on stocks and IPOs, you may also like to read Exposing IPO Scams and Behavioral Aspects of investing in Stocks Thanks for reading. Please check out our financial planning workshops and…
  • How to Setup your Financial System: Part 1

    Team RupeeManager
    21 Apr 2014 | 10:46 pm
    We are in the process of designing a workshop that is aimed at helping you create your personal financial system in a matter of 30 days. We are going to give you an overview of the workshop in a series of posts outlined as under: Part 1: Overview, Who is it for and the topics that would be covered in the workshop. Part 2: The problems that the workshop would solve. Part 3: Lesson plan for each topic mentioned in part 1. So here’s part 1 of the details of setting up your financial management. The workshop will be a structured program on personal finance where you will learn all the money…
  • All about Senior Citizens Savings Scheme (SCSS)

    Team RupeeManager
    18 Apr 2014 | 8:41 am
    BeMoneyAware has a detailed writeup on Senior Citizens Savings Scheme (SCSS) which offers an interest rate of 9.20 % for the year 2014-15. The article has details of who can invest, the amounts that can be invested and the tax treatment of the proceeds, etc. Go to BemoneyAware’s article on SCSS You may also be interested in reading up on retirement planning Thanks for reading. Please check out our financial planning workshops and our book on money management You can send us email for details about the workshops and book. Related PostsBasic Facts to start your Retirement PlanningPension…
  • Basic Facts to start your Retirement Planning

    Team RupeeManager
    5 Mar 2014 | 11:40 pm
    Let us start with the basic information that you need to be able to select the pension plan for yourself. A pension plan is an annuity bought to generate income after retirement. Pension plans are offered by insurance companies as well as mutual funds. Insurance companies’ pension plans come with safety of capital and assured returns. 1/3rd of the maturity corpus withdrawn under pension plans is tax free. Rest has to be invested in buying an immediate annuity plan. Pension plans come in two variants– deferred annuity and immediate annuity. Deferred annuity plans need to be bought in…
  • Tax Planning for 2013-14

    Team RupeeManager
    4 Mar 2014 | 8:08 pm
    A savvy financial planner would have already planned his taxes for the year. But there are a lot of people who are last-minute-doers. In any case, if you want to know more about tax planning, tax saving options in India, how to save taxes from the tax-man and reduce your tax burden, here’s two useful links: Tax Planning Guide 2014 from PersonalFn Five Tax Saving Options which you always ignore from InvestmentYogi Archives on Tax planning Thanks for reading. Please check out our financial planning workshops and our book on money management You can send us email for details about the…
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    Lazy Man and Money

  • Aereo TV: Why Waste the Supreme Court’s Time?

    Lazy Man
    23 Apr 2014 | 8:45 am
    [Editor's Note: I wrote this article a couple of days ago before news of how the trial had occurred. I deemed it more important to go with the Solar power article on Earth Day. So I'm publishing this today, with an update at the end.] There was an interesting article on CNET yesterday that I think leads to an interesting thought exercise: Why the Aereo Supreme Court case over TV’s future is too tough to call? I encourage you to click that link which will open up in a new tab/window, read it or follow along. Ms. Solsman makes the big bucks explaining the issue and does a wonderful job. I…
  • Exploring the Savings of Solar Power

    Lazy Man
    22 Apr 2014 | 9:15 am
    A couple of months ago, when I was reviewing my necessary expenses, I thought to myself, how can bring these down? There are personal finance tips on how to save money on almost anything, including utilities. However, they all see to amount to sacrifice and conservation. These are noble things, but I love my technology... and I use a lot of technology. I can only lower my electricity bill so much... ... or maybe I lower it to zero? I remember a personal finance blogger from years ago, Boston Gal's Open Wallet, had solar panels on her home. She would talk about how the decision had paid off…
  • One Year Ago…

    Lazy Man
    21 Apr 2014 | 5:15 am
    You Can Scar Me, But You Can't Stop Me It's been quite a ride this parenting thing. It's amazing to watch as they pick up new skills. The ability to smile, the ability to hold their own bottle. Our three month old just found his feet and his tongue. About one year ago, my 7 month old son discovered something new in the house though it had always been there. He discovered the television. He had seen it before, but only when positioned just so and with Baby Einstein on it. Never with the television shows aimed at the general audience. If it was a few hours earlier, he would have seen the Red…
  • MonaVie Mynt is Coming For Your Kids

    Lazy Man
    18 Apr 2014 | 5:15 am
    As regular readers know, I find it interesting and amazing that multi-level marketing companies still exist to scam people in 2014. It's been more than 25 years after Money Magazine called the scam a mess looking to take in the gullible. Regular readers also know that I learned about MLM from writing about MonaVie, when one of their distributors tried to get my wife to buy a $45 bottle of juice. MonaVie Mynt is Coming For Your Kids! I've gone on to exposing quite a few of these companies and their fraud. A few years ago, I covered one called ViSalus that was getting press in that community…
  • Aldi – A Different Kind of Grocery Store

    Lazy Man
    16 Apr 2014 | 5:15 am
    Many months ago I saw these Temkin Customer Service Ratings that included the top and bottom rated companies. I noted that USAA is at the top (as it should be) and Comcast and Cox cables services were at the bottom. This is exactly how we feel about these companies, so it wasn't a surprise. My wife feels the same way, so I sent an email to her with the article. Her email back to me was a surprise, "Number 15 is Aldi Grocery. It is opening up near us. I saw the sign when I drove by this AM." As far as grocery stores go, I'm pretty much all set. I've got the military commissary and a Wal-Mart…
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    Free From Broke

  • Four Simple Ways to Cut Household Expenses

    Contributor
    17 Apr 2014 | 3:12 am
    The following was written by none other than personal finance expert Jean Chatzky.  When I got word that she was interested in sharing an article with my readers I screamed (well typed) a big YES in response. I recently wrote a short report — not quite an ebook, not quite a blog post — about how you can save money on household expenses.  I did it to offer up the tips I use in my own home, and so far, the downloads have been off the charts. This is clearly something we all care about. When Glen asked me to guest post, I knew that pulling my favorite tips from this report would be a big…
  • Free Tax Day Snacks, Giveaways and Deals

    Melissa
    15 Apr 2014 | 8:56 am
    You got all your forms and receipts together to tackle your taxes. Did you file everything yet in or are you still procrastinating? If you are really one of those last minute folks then you better make sure your return is in either electronically by day’s end or post-marked by the end of the day on April 15th (expect the post office to be crowded). To help everyone get over the tax-day malaise, there are a number of stores that are offering up free tax day snacks, giveaways, and deals. These companies are helping ease your tax woes: Arby’s – For the 4th year in a row…
  • To Itemize or Take the Standard Deduction, That is the Question

    Contributor
    10 Apr 2014 | 7:40 am
    When life becomes more complicated, so do your taxes. As you claim dependents, purchase a home, or are involved in a major loss or theft you can claim specific items on your taxes that will reduce your tax burden. Other reasons such as owning your own small business, earning money in more than one state, or if you have investments or property that can be claimed as a loss then your taxes become slightly more difficult to file. Most single people will file a Form 1040-EZ, but if you have any type of deduction that is greater than the standard deduction it may be best to file using a Form 1040.
  • Where’s My Tax Refund? How to Check the Status of Your Tax Refund

    Miranda
    9 Apr 2014 | 5:23 am
    When you are expecting a tax refund, it is normal to file a little bit early. The very next thing you say once you file is “where’s my refund?”  We can’t wait to get that money owed to us. Indeed, many people have already received their tax refunds. When you get refunded depends on two main factors: How you filed (mail or e-file) How you receive your refund (paper check or direct deposit) If you mail in your tax return, and opt to receive your refund in the form of a check from the United States Treasury, it can take as long as two months or more to see your tax…
  • File Later Or Fix A Mistake? – Extension of Time to File Taxes vs. Amended Tax Return

    Miranda
    8 Apr 2014 | 9:36 am
    This year, you have until April 15 to file your tax return (some years the date is off). But that doesn’t mean that you’re ready to file. You might want a little more time to get things together, or you might need to make changes to an already-filed return. It is important to understand the difference between a tax extension and an amended return. Read on and you’ll know for sure which of these 2 choices is right for you. Extension of Time to File Taxes If you don’t think that you will be able to complete your tax return on time, you can file a Form 4868. This short…
 
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    Blogging Away Debt

  • I got a new job!

    Hope
    23 Apr 2014 | 3:00 am
    From the beginning I’ve thought that increasing my income was my best bet to speeding up my debt free journey.  And with summer approaching and the kids being older, I thought it was the perfect time to explore that theory as a reality.  And now it’s here!  I start my new job…TODAY! Woohoo! I’ll be working 12-15 hours a week, doing whatever needs to be done, and it’s outside my home.  This is so huge.  I haven’t worked outside of the house in almost 11 years.  I’m excited about the ‘adult’ time, yes, I’m aware most people…
  • How I Save on Groceries

    Jim
    22 Apr 2014 | 2:00 pm
    So with the comments that I have gotten in my last post, I wanted to write about how I do some of my groceries, and in particular how I get some of my meat. One of the biggest chunks of my food budget, is meat.  Unless you are a non-meat eater, I bet you’re in the same predicament.  Yes you can shop the sales and the mark downs, but one of the tested and proven ways is to simply buy in bulk.  In the past, I have split costs on buying cows and pigs with a few people.  Last year I wasn’t able to find anyone interested, that is where Zaycon Foods comes in.  Zaycon is my favorite/ goto…
  • Birthday Expenses

    Jim
    22 Apr 2014 | 4:00 am
    Saturday was my little man’s birthday party.  And let me tell you, these things wear me out!  Cleaning the whole entire house, cooking all the food, decorating the house according to the party’s theme.  All of this does such a toll.  Almost four days non stop if you count in Easter. But all in all, it was a huge success!  Probably the most people we had in our house at any given time.  To top it all off, it was such a beautiful day.  I had an idea that I would be grilling in the rain or something.  Which turned out to be a faulty gut feeling, what a relief. Everyone knows that…
  • I got a raise!!!

    Ashley
    21 Apr 2014 | 3:00 pm
    Can I get a “woohooo!!!!” But before we get too excited, let’s have a little #truth. I don’ know if you can really consider it a “raise” because what happened is I took on additional work. So, yeah, my income is going to raise (and not by just chump change…a pretty decent upward improvement), but it is in exchange for additional work. It was a bit unexpected, but I’m very grateful for it. Even though I’m not an “employee” (I work on a contract-basis), I still somehow feel like a very valuable “team member” at this…
  • Fighting Mad

    Ashley
    21 Apr 2014 | 10:00 am
    Arrrrgh, I am SO MAD at Wells Fargo! As you may recall, I recently paid off my Capital One credit card (which had been my highest APR), and have moved onto focusing on my Wells Fargo credit card (my second highest APR). A few days ago I received a credit card offer from another bank. It offered 0% APR as an introductory rate for the first 24 months. To be clear, IN NO WAY do I want to open a new credit card account. But I thought maybe I could use this letter as leverage. I called Wells Fargo to see if I could negotiate a lower interest rate. I’ve read advice on how to approach the…
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    Clever Dude Personal Finance & Money

  • Product Review And Giveaway: Honeywell Wi-Fi Programmable Thermostat

    Brock
    22 Apr 2014 | 3:09 am
    Note: I received the RTH9580 Wi-Fi enabled thermostat from Honeywell in exchange for the review included in the post below. However, all experiences and opinions are 100% my own. When we built our home ten years ago, our builder installed the most basic of thermostats. A sliding button switched the system between off, cool, and heat. Then there were the two buttons that allowed the user to turn up and down the set temperature. That was it. I knew there were thermostats out there with more features, but purchasing one was never a priority. So, we manually adjusted the thermostat whenever we…
  • Overpaying For Groceries While Traveling

    Brock
    21 Apr 2014 | 4:24 am
    Image courtesy of Stuart Miles / FreeDigitalPhotos.net Note: Today’s post was supposed to be a product review and giveaway. Unfortunately, it wasn’t quite ready to go yet. Please enjoy the post below, and then come back tomorrow to check out my very first give away here at CleverDude! The family and I headed out of town on Friday to spend Easter weekend at the home of some in-laws. They were hosting Easter dinner on Sunday, but invited us to come for the weekend since we hadn’t seen them for a while. We needed some supplies for the items we were going to contribute to the dinner.
  • Clever Posts Of The Week – April 18th

    Brock
    18 Apr 2014 | 4:41 am
    I’m excited.  Ok, I’m almost uncontrollably excited.  The weekend is upon us, BUT I’m looking forward to a very special post on Monday. I’ll give you a hint: Giveaway. I’ll be hosting my very first giveaway here at Cleverdude.  I’m going to be honest, it’s a good one, too.  I’ll be reviewing a product that could potentially save a household a lot of money, and then giving one away.  What is it, you ask?  You’re going to have to come back on Monday to find out…… Alright, it’s time to get our Clever on with the best…
  • Loyal3 Investment Update #1

    Brock
    16 Apr 2014 | 3:41 am
    At the beginning of March, I opened an account with Loyal3 and invested a small amount of money in one of my favorite bar and grill restaurant, Buffalo Wild Wings. I only invested $60, but the point wasn’t to get rich quick. The goal was to simply to play around with the stock market and see if an average joe like myself could make some money in the stock market using an easy to use trading platform like Loyal3 After about six weeks, it’s time to see how my investment is doing. Current value of my $60 investment: $58.43 Everything I read about Buffalo Wild Wings is positive.
  • Sampling Grapes In the Produce Section: Smart, or Just Being Cheap?

    Brock
    14 Apr 2014 | 3:16 am
    Image courtesy of Sura Nualpradid / FreeDigitalPhotos.net Walking through the produce section, I glanced down at my grocery list and saw that grapes were on the list.  I rolled my cart to the cooler section stuffed with separate bags of red and green grapes.  My wife’s words replayed in my head from when we sat at the kitchen table meal planning and making out list for this week’s trip to the grocery store. “Get some grapes, but only if they’re good.” They certainly looked good, but from experience I know that looks can be deceiving.  I casually looked around, and not seeing any…
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    Don't Mess With Taxes

  • IRS awarded $1 million in bonuses to tax-owing employees

    skbell1
    23 Apr 2014 | 10:28 am
    The Internal Revenue Service's policy that allows it to award bonuses to employees who haven't paid their taxes is wrong. So is rewarding employees who faced disciplinary action. That, however, is what happened. A Treasury Inspector General for Tax Administration (TIGTA) audit found that the IRS paid $2.8 million in bonuses to employees with recent disciplinary problems. Just more than $1 million of those rewards went to workers who owed back taxes. In addition to cash rewards, the employees in question also received additional time off from work as bonuses. Source: Awards data from the…
  • Rough roads ahead as Highway Trust Fund runs out of money

    skbell1
    22 Apr 2014 | 12:47 pm
    Since my mom moved to the Austin area three years ago, I've been driving the 100 or so round-trip miles every other week to visit her. I am very glad I filled up my Chevy before the last visit and that it gets good mileage. Earlier in April, regular gasoline was just a nickel more than $3 per gallon. Now at some Central Texas stations, the pump price is pushing $3.60 a gallon. Fuel costs are on my mind today not only because it's almost time to hit the road to mom's again, but also because today is Earth Day. Since its inception in 1970, April 22 has been dedicated to…
  • How are you spending your federal tax refund?

    skbell1
    21 Apr 2014 | 3:45 pm
    Just days before the April 15 filing deadline, the Internal Revenue Service reported that most taxpayers had already submitted their returns. Of the almost 113 million returns the IRS had in its hands on April 11, more than 85 million resulted in refunds. The latest federal tax refunds are a bit bigger than those received by players of early Monopoly games. The average refund amount as tax-filing season was winding down was $2,751. That's slightly larger than the average refund a year ago. It's also this week's By the Numbers figure. Have your received your refund from Uncle…
  • Easter faith, films and tax breaks

    skbell1
    20 Apr 2014 | 2:38 pm
    Many folks spent Easter, either the full weekend starting on Good Friday and ending on this important Christian holiday, going to church services and/or visiting family. But sometimes, a break is welcome. A good one on this Easter Sunday is to take in an appropriately themed movie. Faith-based movies are in vogue right now, with several recent releases, including Noah, Heaven is Real and Son of God doing well at the box office. Hey, believing is important, but so is paying real-life bills. Check your local Cineplex to see if these flicks are still on the wide screen in your town. If there…
  • Some of VP Joe Biden's Social Security is taxed. Is yours?

    skbell1
    19 Apr 2014 | 4:42 pm
    Almost 40 million people age 65 or older currently collect Social Security benefits. Vice President Joe Biden is one of them. The 71-year-old veep also is among those who pay income tax on at least some of their federal retirement benefits. Vice President Joe Biden meets with the original six "Rosie the Riveters" who worked in a shipyard during World War II. They, like the veep, are eligible for Social Security benefits. (Office of the Vice President photo.) That revelation was one of the things we learned with the release of the president's and vice president's 2013 tax…
 
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    Money Smart Life

  • Thrift – Your Best Friend After a Layoff

    Kevin Mercadante
    21 Apr 2014 | 6:00 am
    A layoff attacks you emotionally, mentally, spiritually, and, most significantly, economically. Suddenly there is the demand of living as you have been but doing it on a lot less money. There could be some severance pay, and you’ve no doubt applied for unemployment compensation, but neither will keep your lifestyle going forever. Thrift is your best friend after a layoff, and the sooner you implement it, the better your chances of financial survival will be. Here are some tips to help you through this difficult time: 1. Don’t assume the layoff will be temporary. This is a mistake that a…
  • How to Make the Most of Underemployment

    Miranda
    14 Apr 2014 | 6:00 am
    In many cases, underemployment means doing work you don’t enjoy for less than you’re worth. Sometimes, being underemployed means only working part-time hours, even though you want to work full-time. Underemployment can be a drag on your morale, and it is especially difficult, since you can’t usually collect unemployment benefits when you’re underemployed, so you end up struggling financially. Here are some of the ways that you can make the most of underemployment: 1. Improve Your Marketable Skills If you want a better job, it can make sense to improve your marketable skills. In some…
  • Seven Steps to Investing in Yourself

    Ben Edwards
    10 Apr 2014 | 3:43 am
    Many of us spend the majority of our lives investing in other people’s projects and dreams.  We work long and hard each day to achieve the goals of our employers. We pay 15–45% of our income in taxes to pay for the plans and efforts of our country, state, and county. We invest our money in small and large corporations for a return so they can use it to earn multiple times that return. We’re using a lot of our time and money to further the cause of things bigger than us.  If you’d like to make an investment in yourself for a change, here are some tips you…
  • How to Stay Motivated While Looking for Jobs

    Miranda
    7 Apr 2014 | 9:00 am
    It’s not fun being unemployed or underemployed. In fact, there are a number of studies that indicate that being unemployed can be bad for health, and long-term unemployment and underemployment can be more damaging to your overall mental health and wellness than many other negative life events. One of the issues is that it can be difficult to stay motivated as you look for a new job. It’s hard to focus when you don’t have a purpose for your day, and many people take a self-esteem hit when they’ve been unemployed for long periods of time. After awhile, motivation…
  • What You Shouldn’t Do After a Layoff

    Kevin Mercadante
    31 Mar 2014 | 11:08 am
    You’ve cleaned out your office and moved everything back home. There’s some severance pay coming and unemployment should start before too long. Now you have all the time in the world. What you do with that time – and what you avoid doing with it – will make all the difference in how quickly you find a new job. Naturally, you should give priority to looking for a new job. That’s pretty obvious. But there are also some very destructive things you shouldn’t be doing. Unless you consciously resist them, you’ll fall into doing them by default. What are activities you should avoid? 1.
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    BeingFrugal.net

  • Honeywell Wi-Fi Smart Thermostat Review and Giveaway

    Pinyo
    20 Apr 2014 | 8:37 pm
    In January, Honeywell contacted me about doing a review of their RTH9580WF Wi-Fi Smart Thermostat. I agreed and received the unit a few weeks ago, installed it, and have been using it for about 3 weeks. The following […] Recommended For You: 5 Frugal Ways to Lower Your Heating Bills This Winter Christmas Presents for the Frugal Person in Your Life Tax Day Celebration (or Commiseration?) – NeatReceipts Is the iPhone Worth the Money? Pear Budget Review Read the rest of Honeywell Wi-Fi Smart Thermostat Review and Giveaway at BeingFrugal.net.
  • 5 Basic Principles for Growing Wealth

    Miranda Marquit
    4 Feb 2014 | 3:00 am
    One of the goals many of us have is to grow our wealth over time. In many cases, it’s more about the financial security and the ability to live a comfortable lifestyle, than it is about […] Recommended For You: 3 Good Reasons to Take More Risks 3 Things to Know Before You Invest 4 Easy Lifestyle Habits That Lead to Financial Freedom Being Realistic about Your Investment Returns 8 Simple Steps to Financial Freedom Read the rest of 5 Basic Principles for Growing Wealth at BeingFrugal.net.
  • Easy Way to Make Money from Home with Swagbucks

    Miranda Marquit
    3 Dec 2013 | 5:00 pm
    Many stay at home parents are interested in earning a little extra money from home. While you can start your own business, that can involve a great deal of effort and work. If you are look […] Recommended For You: Quick and Easy Ways to Make a Little Extra Cash How to Save Money: 96 Ways to Cut Your Spending How to Find Great Deals on Christmas Presents How to Shop Frugally Start a Christmas Savings Accounts with SmartyPig Read the rest of Easy Way to Make Money from Home with Swagbucks at BeingFrugal.net.
  • Rebalance Your Investment Portfolio to Stay On Track

    Miranda Marquit
    29 Oct 2013 | 8:02 pm
    One of the basics of investing is the use of asset allocation in your strategy. Asset allocation, or the way your portfolio is built, matters a great deal to the long-term success of your investment strategy. […] Recommended For You: What are Exchange-Traded Funds and How to Use ETFs in Your… Beginners’ Guide to Asset Allocation Real Estate Investing with REITs Quite Possibly the Best Free Personal Wealth Management Tool The Advantages of Being a Boring Investor Read the rest of Rebalance Your Investment Portfolio to Stay On Track at BeingFrugal.net.
  • 3 Ways to Lower Your Food Budget without Using Coupons

    Miranda Marquit
    15 Oct 2013 | 7:00 pm
    Many of us are interested in saving money on groceries. This is especially important as food prices inflation becomes increasingly problematic. Drought has struck across the country, causing problems with harvest yields, and resulting in higher […] Recommended For You: The Best Grocery Rewards Card: 6% Cash Back! How Meal Planning Can Save You Money How to Save Money on Groceries 5 Reasons Why I Love My Slow Cooker Menu Planning and the Pantry Principle Read the rest of 3 Ways to Lower Your Food Budget without Using Coupons at BeingFrugal.net.
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    MoneyNing

  • 5 Tips for Throwing a Fabulous Kid’s Birthday Party on a Budget

    Alexa Mason
    23 Apr 2014 | 5:00 am
    Sometimes, throwing a kid’s birthday party can be a real pain. You have to prepare a bunch of food for your guests, entertain a house full of kids, and pull it all together with a little style. It can be expensive and stressful — but it doesn’t have to be! Here are five tips for throwing an awesome kids birthday party on the cheap: 1. Choose a theme While choosing a theme isn’t a necessity, it can help you pull your party together. When you choose a theme, you can come up with snack ideas, games, and décor more easily. Choose a simple theme that your kid is sure to love, and use…
  • Is Your Financial Situation Limiting Your Family’s Size?

    Miranda Marquit
    22 Apr 2014 | 5:00 am
    I’m satisfied with my family size. I only have one child, and, to tell the truth, I’ve never really been that interested in having a big family. I think I could handle maybe one or two more, but having several children has never been my ideal. That being said, my satisfaction with one child puts me in the minority — at least according to a recent study from the Pew Research Center. The organization compiled research on ideal family size versus actual family size, and they found that many Americans wish they had slightly larger families. According to the study, 52 percent of…
  • What You Need to Know About Payroll Debit Cards

    Emily Guy Birken
    21 Apr 2014 | 5:00 am
    If you’re one of the more than 70 million Americans who work as hourly employees, chances are good that you may soon be offered a payroll debit card instead of a traditional paper check on payday. While these debit cards are much less expensive for employers, they can come at a cost for the employees who are depending on them. What’s worse, some employers are (illegally) telling their employees they have no other choice than to accept their pay in the form of a fee-laden debit card. Before you find yourself in a confusing and potentially contentious conversation with your boss,…
  • The Surprising Place I Taught My Daughter About Money

    Travis Pizel
    18 Apr 2014 | 5:00 am
    I never would’ve imagined that a simple trip to Target could have evolved into such a great financial learning opportunity for my eleven-year-old daughter. The automatic doors opened before us, my daughter’s purse slung over her shoulder. We headed to the video section, as she was looking to purchase her very own copy of “The Hunger Games: Catching Fire,” which had recently been released. She mentioned she also wanted to get a slushy from the deli on our way out. “You sure you have your money with you?” I asked. She opened her purse, carefully counted out twenty five…
  • If You Work for This Online Retail Giant, They’ll Pay You — To Quit

    Jessica Sommerfield
    17 Apr 2014 | 5:00 am
    Did you know that the online retail giant Amazon offers its workers money to quit? In any normal business, this would seem anti-productive and a waste of money. Sure, people quit all the time. But should you give them an incentive for it? Amazon and Zappos (the company that first came up with the idea) seem to think so. Here’s why: It Weeds Out the Slackers Offering a large lump sum to workers who want to quit naturally filters out those workers who are discontent, or otherwise unmotivated. Based on the employee’s years of service, the sum offered begins at $1,000 (after one…
 
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    Money Blue Book

  • Health care sharing ministries: An alternative to Obamacare?

    15 Apr 2014 | 5:11 pm
    The first open enrollment period for the Patient Protection and Affordable Care Act, commonly known as Obamacare, has come to a close, and a reported 7.1 million new enrollees are currently settling into their new health insurance plans. Now that open enrollment is over, Americans who chose not to p [...]
  • How lottery tickets are helping people save money

    8 Apr 2014 | 12:42 pm
    Imagine this: You walk into a credit union to open a savings account, and the teller responds by selling you lottery tickets. Odd as it may seem, this type of scenario plays out all over the world. They're called prize-linked savings accounts, and a few states in the U.S. are making use of them to g [...]
  • Helping a financially troubled friend (without spending a cent)

    3 Apr 2014 | 3:41 pm
    So you've done it: Your financial life is under control. You've strengthened your finances by completing most, if not all, of these key financial tasks: Created a budget to ensure you're not spending more than you earn. Stashed some funds in a high-interest savings account in case of an emergency. [...]
  • Help! My teen is a money monster

    28 Mar 2014 | 4:07 pm
    Short of bequeathing them so much money ($150 million each should do it) that they never have to worry about their finances, there are few gifts you can give your kids that could be more valuable than the skills and attitudes they need to be great money managers. By the time they reach their mid-tee [...]
  • Growing your savings with a zero-sum budget

    14 Mar 2014 | 4:32 pm
    People would probably laugh if they saw my checking account balance toward the end of the month. There have been times when I've had as little as $20 in it, and all I could do was count the days until the 1st of the month rolled back around. However strange this may seem, rest assured that it's tota [...]
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    The Dough Roller

  • DR 057: 9 Things to Know About the myRA

    Rob Berger
    23 Apr 2014 | 10:07 am
    In the most recent State of the Union Address, President Obama unveiled the myRA – My Retirement Account. Another retirement savings option? Yes. In addition to 401k, 403b, IRA, Roth IRA and a host of other types of retirement accounts, later this year we can add the myRA to the list. In this article we’ll cover what you need to know about a myRA and whether it’s a good option. Spoiler Alert: I believe myRAs aren’t right for most people. While they do have some advantages, the disadvantages for outweigh them. 1. It’s a workplace savings account with a twist You…
  • 5 Tax Moves to Make Now (Yes, After Tax Day)

    Rob Berger
    22 Apr 2014 | 5:02 pm
    With April 15th behind us, taxes are probably the last thing on your mind. They shouldn’t be. If you only think about taxes at the beginning of April, you’re missing out. Making the right tax moves now – even after tax day – will help improve your tax situation next year. At a minimum, planning now could spare you a lot of grief when taxes are due next year. So here are five tax moves to make now, after April 15th has passed: 1. Use Your Refund Wisely This tip won’t help much for next year’s taxes, but if you got a refund this year, use it well. You may…
  • DR 056: 7 Ways to Budget Like a Zen Master

    Rob Berger
    21 Apr 2014 | 5:33 am
    How can you budget like a Zen master without tracking every dime you spend? How do you budget for those oddball expenses that pop up from time to time? As someone who goes in budgeting spurts, I’ve learned the hard way how to make our budget work. Recently, this has been at the forefront of my mind as I’ve worked to refocus our family budget. I tend to go hot and cold with budgeting. Sometimes I’ll go months without a formal budget, and I always wind up regretting it. This weekend I fired up my copy of YNAB (You Need a Budget). I’ve been very focused on budgeting…
  • DR 055: Beverly Harzog: How She Paid Off $20,000 of Credit Card Debt in 2 Years

    Rob Berger
    18 Apr 2014 | 5:14 am
    A great success story can be very motivating. And that’s exactly what Beverly Harzog brings us in today’s podcast. Beverly describes how she sunk into $20,000 of credit card debt, maxing out all seven of her cards. But her story doesn’t stop there. She then shares with us how she climbed out of the debt in just two years and has remained debt-free ever since. Author of Confessions of a Credit Junkie, Beverly shares some of the mistakes she made along the way, how she controlled her spending, and what it feels like to be debt-free. Topics Covered in the Interview How Beverly…
  • 5 Factors to Consider Before Using a HELOC for Your Emergency Fund

    Rob Berger
    17 Apr 2014 | 3:00 am
    A reader named Brian asks whether it’s a sound move to use a home equity line of credit as an emergency fund: Rob, I enjoy your podcast, and I have great respect for your approach to personal finance. The 31-Day Money Challenge actually had me looking forward to my daily commute. I have a simple question regarding an emergency fund. We currently have a net worth of about $400,000, which is net of my mortgage of $190,000 and a car loan of $15,000. We maintain an emergency fund of $10,000 earning .85% in a savings account. I am considering opening a HELOC (Home Equity Line of Credit) of…
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    Moolanomy Personal Finance

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

    Pinyo
    1 Apr 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? What to Do With Your Unwanted Gift Cards Save Money Giving Discounted Gift Cards This Holiday Season How to Find Cheap Gift Cards and Save Money Read the rest of 5% Cash Back Credit Cards, April 2014 Promotion Calendar at Moolanomy.com.
  • 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.
  • Best Banks with the Highest Interest Rate for Savings Account

    Pinyo
    2 Jan 2014 | 6:00 pm
    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…
  • 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

  • Chase $200 Total Checking & $200 Savings Coupon Promotion

    Hu$tler
    22 Apr 2014 | 11:20 pm
    Available on eBay, you can get a Chase $200 Total Checking and Chase $200 Savings combo that is valid until May 19, 2014. Up to $400 total in bonuses, there is no direct deposit requirement for the promotion. You can use 1 or both of them at the same time, but code can only be redeemed ONCE. Chase $200 Total Checking & $200 Savings Coupon Bid or Buy It Now on eBay to receive one coupon code card to get up to $400 when you open a Chase checking & savings account ($200 for each account).  In order to qualify for the promotion, you must not be a current Chase customer. The first $200…
  • AMEX Gift Card Promotional Codes for Mother’s Day

    Hu$tler
    22 Apr 2014 | 4:35 pm
    Mother’s Day is on May 11th and there is no better way to show appreciation than an American Express Gift Card. They are now offering NO Purchase Fees on Consumer American Express® Gift Card and Business Gift Card Orders with Code FPMOM. The offer code expires 5/15/14 and is only available through our promotional link. Terms: *Offer is only valid on the purchase fee. Shipping fees will apply. Offer valid through 5/15/14 and only for web orders on americanexpress.com/gift. Offer does not apply to Gift Cheques, Logo Gift Cards and eGift Cards. Terms and conditions apply to Gift Cards and…
  • Capital One Bank $250 Spark Business Checking Account Bonus

    Baller
    22 Apr 2014 | 6:07 am
    If you sign up with Capital One Bank Spark Business Checking, you can earn a $250 checking bonus by 4/30/2014. You will receive this credit to your checking account if you deposit at least $5,000 within 30 days of account opening into your Capital One Spark Business Checking. Make sure to complete 1 online bill payment within 30 days of account opening. Keep in mind that you will need to sign up with a promotional coupon related to the $250 bonus. Availability: For residents of Connecticut, Washington D.C., Delaware, Louisiana, Maryland, New Jersey, New York, Texas, and Virginia. Terms: The…
  • SimplyCash Business Card from American Express Review*

    Hu$tler
    22 Apr 2014 | 3:23 am
    *Sign up now, offer expired 4/28/2014! American Express is now offering a $250 statement credit bonus when you spend $3,000 within three months to their SimplyCash® Business Credit Card. In addition to the $250 statement credit, you’ll earn 5% cash back at office supply stores and wireless phone providers with no annual fee! SimplyCash Business Card from American Express Review Automatically crediting unlimited cashback for business expenses and offering discounts with participating merchants, the SimplyCash® Business Card from American Express is one of the best credit cards…
  • American Airlines Credit Union $25 Checking Account Bonus

    $aver
    20 Apr 2014 | 8:07 pm
    American Airlines Credit Union is offering a $25 bonus when you open a new qualifying Checking Account. This offer expires April 30, 2014. Hot Deal: Capital One 360 Checking Account offers $50 bonus promotion with 3 debit purchases and no direct deposit requirement. There is no minimum or monthly fees and free Online Bill Pay. Earn $1,000 in bonuses by referring friends and family! Full Review American Airlines Credit Union Checking Review: $25 Bonus Becoming a member with AA Credit Union is simple. Just meet membership eligibility requirements and join by opening up a savings account with a…
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    Cash Money Life | Personal Finance, Investing, & Career

  • What To Do If You’re Unhappy With Your 401(k) Plan Options

    Kevin Mercadante
    23 Apr 2014 | 4:35 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What To Do If You’re Unhappy With Your 401(k) Plan Options. Of all of the various employee benefits, 401(k) plans are right up there with health insurance as the most important. But what do you do if you’re unhappy with your 401(k) plan? You may think that your only choice is to hold your nose and make the best of it. But you can actually develop a strategy that will help you to create better options, and improve your overall retirement picture in the process. Let’s take a look at the…
  • Rebalance IRA – Expertly Managed Investment Portfolio Service at Half the Industry Standard Cost

    Ryan Guina
    22 Apr 2014 | 9:51 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Rebalance IRA – Expertly Managed Investment Portfolio Service at Half the Industry Standard Cost. Are you getting the most out of your investments? If you are running your own investment portfolio without any outside help, you might be leaving money on the table. I know I have been guilty of this. Thankfully, there are a host of new investment advisory services out there that can help you maximize your resources so you can meet your financial goals more quickly. For many that means…
  • What Do You Know About Your Partner’s Finances?

    Miranda Marquit
    21 Apr 2014 | 4:37 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What Do You Know About Your Partner’s Finances?. One of the most important things you can do for your finances is to talk to a potential partner about their situation. If you are going to combine households and finances, you need to know what you’re getting into. But how much should you know? And when should you know it? Here are some things to consider as you start to delve into your partner’s finances: How Serious is the Relationship? Do you share financial information…
  • Why Your Second Car Should Be a Beater Car

    Kevin Mercadante
    18 Apr 2014 | 9:22 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Why Your Second Car Should Be a Beater Car. It’s become a fact of life for many families that there should be at least one car for each adult member of every household. Often, that arrangement includes late-model cars. And with late-model cars, that more often than not includes a car loan. While we might think about it as the new normal in our culture, it’s also very expensive way to live. This is why your second car should be a “beater.” This 1991 Honda Accord is an inexpensive…
  • Could You Make Money in the “Sharing Economy”?

    Miranda Marquit
    17 Apr 2014 | 2:35 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Could You Make Money in the “Sharing Economy”?. If you’ve been paying attention to trends in the world of business and finance, you probably know that there has been increased interest recently in what is known as the “sharing economy.” In this setup, you make money by sharing your own resources, usually your car or your home. According to an estimate from FlightCar, the sharing economy was worth $3.5 billion in 2013. That’s not a bad pie — if you…
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    Grad Money Matters

  • Business Costs You Should Think About Keeping

    GMM
    23 Apr 2014 | 4:00 am
    If you have a business, then occasionally you may go through your expenses and look for things to cut. There is nothing wrong with saving money. However, how do you know if you should keep a business expense? Some expenses are worthwhile, and if you cut it then you may actually cost yourself money.Below are three different business costs that you might want to think twice about before you eliminate it. You don’t want to end up hurting your business and costing your business money instead of saving it money.Your accountant.You may think that your accountant is expensive, but you should…
  • Asking For A Raise

    GMM
    22 Apr 2014 | 3:00 am
    Have you ever asked for a raise before? Whether you say yes or no, it’s almost always difficult to do it again. I don’t think there are many people out in the world who actually enjoy asking for a raise, as it can be difficult each time. No one wants to feel embarrassed, or be told no to their request.Here are my tips to ask for a raise:What do others in similar positions make?If you are about to ask for a raise, you should know what others in similar positions to yours make. You can’t usually justify a raise just because you need the money. Having proof of what others make…
  • Job Hunting Mistakes

    GMM
    21 Apr 2014 | 3:11 pm
    I often hear from others that they can’t find a job. Some of the times it is understandable, but other times I see huge mistakes that these people are making. The below doesn’t apply to every job or every industry, but there are some mistakes that you may be making that may be costing you a potential job or even just an interview.Having a bad resume.A resume is always important. If you are very comparable to another applicant, then it may come down to your resume and the effort that you put into it. You should always:Check for any typos. I have seen resumes with such obvious…
  • How To Get Out More When You Work At Home

    GMM
    18 Apr 2014 | 2:00 am
    When working from home, it can be easy to get caught up in work and forget to stop working. Yes, I just said it can be hard to stop working. However, if you are like any normal person, then getting out of the house and socializing with others is important.Life can’t be all about work. Every now and then you need to get out and enjoy yourself. Taking a break is a good thing because if you are feeling stuck in a rut, then a break to interact with others may be exactly what you need to brainstorm for a new idea.Plan breakfasts, lunches or dinners.If you never get out of the house, then you…
  • What You Should Think About Before You Rent Retail Space

    GMM
    16 Apr 2014 | 2:00 am
    If you have finally decided that you need a physical location for your business, the next step is actually finding a location for your business. This can be stressful though, because the location of your business can sometimes make or break your business.Below are things that you will want to think about before you make a contract on a retail space.Where’s your target market?When you are looking for a new retail location, you should think about where your target market is. For example, if you are opening up a clothing store for teenage girls, then putting a contract on a location that…
 
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    brip blap

  • avoiding the Waiting Place

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

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

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

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

    Steve
    11 Dec 2012 | 6:54 pm
    Q: Did you always dream of drawing and writing, or were you about to happily settle for a so-called normal job? Was it the misery of “humiliating and low-paying jobs,” or the joy of drawing and writing, that pushed you this way? A: I pursued a normal job so I wouldn’t starve to death while figuring out how to have an extraordinary job. I just didn’t know how it would play out. –Scott Adams, creator of Dilbert (link) How can you find an extraordinary job? What’s the secret to a fulfilling career? The perfect job. Who doesn’t dream of finding that perfect job? Flexible…
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    Poorer Than You

  • Poorer Than You is on Hiatus

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

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

    Stephanie
    17 Feb 2014 | 7:41 am
    True story: back in July, I got a notice that my rent was being raised. I’d lived in the apartment for almost two years, and they pulled this trick on me the previous year: raising my rent by $104/month. The first time, I just accepted the rate increase. After all, I’d received a sign-on deal of “$50 off each month’s rent!” when I first moved in, so it only seemed like an additional $54/month rent increase (above the deal wearing off). But after the second year, they wanted to raise it another $114/month! And actually, they offered an “alternative” as well: to install all new…
  • I Sold My Hair on Ebay

    Stephanie
    5 Feb 2014 | 5:00 am
    Do you ever look around your home, at all the varied things you own, and think “There’s just so much stuff here… I bet I could pare it down and that at least some of it would be worth some cash.” Or maybe someone (like one of us crazy personal finance bloggers) said that you can pick up some extra cash unloading some of your unused junk on eBay. It’s a nice thought, right? Get rid of something you’re not using, pocket the cash. Well, something along those lines happened to me. Sort of. Warning: If the title of this post grossed you out, you’re probably not going to like the rest…
  • Net Worth Update: January 2014

    Stephanie
    3 Feb 2014 | 9:18 am
    I’m officially declaring this “The Most Topsy-Turvy Month Ever.” Why? Because even though the worth of my assets went down in several key categories, the reasons those decreased were not bad; and even though my total net worth increased this month, the reason it did so is bad. Welcome to Bizarro World, folks! Change: +$1,117 or +16.96% January Net Worth: -$5,469 The Good-Bad (Where I Lost Money) My cash reserves went down by a staggering $3150 dollars in January. That’s because I finally paid out money for two things I’ve been saving up for: my upcoming vacation in Ireland (now paid…
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    The Wisdom Journal

  • 12 Truths About Procrastination and You (and me, too)

    Ron Haynes
    22 Apr 2014 | 3:20 am
    We’ve all done it: put off what we know we should do, waiting until a later time. While many of us are professional procrastinators, the truth is very few people always do everything on time. Sometimes a “wait-and-see” approach pays off, but that process requires thoughtful judgment, and really isn’t the same as procrastination. Forms of procrastination: Classic Procrastination – where someone delays getting started on a task Contract Procrastination – where someone doesn’t do what they’ve previously agreed to do Completion Procrastination – where someone just cannot…
  • Why I Left My Cushy Corporate Job To Strike Out On My Own

    Ron Haynes
    14 Apr 2014 | 12:39 pm
    Some of you will think I was nuts. Some of you will understand. But one thing I do know, I’m writing this article more for me than for anyone else. Sometimes I need to think on paper (or on my blog) and nothing is better than seeing your thoughts in print … especially when you’re going from a corporate job to one as a Human Resources and Management consultant. My old job wasn’t exactly cushy, but as jobs go, it wasn’t too bad. Expense account, decent wages, company laptop and cell phone, car allowance, title, laser printer, working from home … it all sounds…
  • Office Politics – How to Manage Your Boss, Your Co-Workers, and Yourself

    Ron Haynes
    11 Apr 2014 | 11:02 am
    Office politics are no different than any other politics. They are a generalized set of (mostly unwritten) rules that govern how we interact with each other. You may be thinking, “Nice definition, Ron, but office politics are what gets me in trouble, keeps me from advancing in my career, and keeps me from making a decent wage.” How you view the politics in your office will go a long way toward making you more likable, increase your chances for promotion, and help you at salary review time. Office politics aren’t about competency but likability and the ability to grant…
  • Beware of These Four Tax Preparation Scams

    Ron Haynes
    8 Apr 2014 | 3:30 am
    Though most people who prepare tax returns are professionals and render correct, honest, thoughtful and excellent service to their tax return clients, some DO occasionally make a basic math error of miss a deduction. Those aren’t the people you need to beware of. No, I’m talking about the fly-by-night types that engage in fraud and other illegal activities. These scammers set up shop one day and are gone a few weeks later. When the unsuspecting tax filer discovers their mistakes and fraud, these guys are no where to be found. Dishonest tax return preparers can cause big trouble…
  • Don’t Panic: There’s Still Time To Complete Your Taxes

    Ron Haynes
    3 Apr 2014 | 6:45 am
    Yes, the deadline is just around the corner but even if you’ve waited until today, you still have time to get your taxes completed. Even if you don’t think you have time, you can always use one of the big tax software firms to file IRS form 4868, getting an extension until August. Get ‘em done or get ‘em extended by using: TurboTax April 18th Alert! You Can Still Do Your Taxes FREE & Get Your Maximum Refund with TurboTax! FREE to Prepare, to Print, to E-File with TurboTax! E-File and Get Your Max Refund in as Few as 8 Days with TurboTax.com! H&R Block H&R Block At Home…
 
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    Everybody Loves Your Money

  • Why Thinking Long Term is Hard (And Why You Should Do it Anyway)

    Alexa
    22 Apr 2014 | 9:15 pm
    Save for you future. Invest ten percent of your income. Open up a Roth IRA. It goes in one ear and out the other. I should know. The long term mentality has only kicked in with me over the past couple of years. As some of my close family members near retirement age I cringe. Without any savings to fall back on retirement is going to be rough. And this is could have been avoided if they would have thought about their futures and put in a little bit of effort at an early age. Since this is a common scenario I wanted to dive into some reasons why people don’t think long term. # 1 – YOLO (You…
  • How Do You Know if You Have a Solid Business Idea?

    Alexa
    20 Apr 2014 | 9:15 pm
    Do you want to start a business but aren’t sure whether or not you have a good idea? Sometimes I think I may be slightly too obsessed with businesses. I’m constantly coming up with ideas and waiting for that one idea that makes me really excited. Not only that but here lately, I’ve had several other entrepreneurs ask me to critique aspects of their businesses, which has made me even more fired up. And I have finally found a business idea that I’m ready to move forward with. If you’re not sure whether or not you have a viable business idea here are some questions you can ask…
  • Link Love 04/18/14

    Alexa
    17 Apr 2014 | 9:15 pm
    Photo Credit: Jesadaphorn It’s Friday once again! Good Friday to be exact. We’re supposed to have our hottest day of the year so far tomorrow so I’m excited to get my butt outside! If you’re in need of some weekend reading here are some of my favorite posts from the week. My Journey to Financial Literacy @Living Rich Cheaply Our “A-HA” Money Moment @The Frugal Farmer Do I Need Travel Insurance @The Broke and Beautiful Life Bill and Ted’s Excellent Investing @Done by Forty A Kick In the Teeth Guide to Investing @Johnny Moneyseed Have a good weekend and a Happy Easter!
  • Working from Home – Some Jobs for The Stay At Home Mother

    Me
    15 Apr 2014 | 11:23 pm
    Being a mother is a full time job in and of itself, without even thinking about money. Money is important, however, so the question becomes: How do I make enough money to support the family, and still be there for the children? The answer to that question can be found in your home. There are plenty of different fields that enable the hard working mother to earn a decent buck from the comfort of her home. Here is a couple: Writer It does not matter where a writer works, thanks to the imminently portable nature of the finished product and the Internet. A writer can do anything from write short…
  • Earning More Money vs. Spending More Money: Which is Better?

    Alexa
    15 Apr 2014 | 9:15 pm
    Photo Credit: Ratch0013 If your financial life isn’t panning out like you’d hoped you have two choices: earn more money or save more money. While both of these options will help improve your finances the key is using them together. In some situations, though, it’s clear that one method will be far more beneficial than the other. Let’s take a look. Is it more important to earn more money or save more money? Saving More Money I’m all for saving money – by making smart purchases and stashing away as much as cash as possible. But I’ve got to admit that the trendier being frugal…
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    One Frugal Girl

  • The Cost of Preschool

    One Frugal Girl
    22 Apr 2014 | 1:08 pm
    I am not much closer to choosing a preschool for my son, but I did take some time to write down a list of pros and cons for each. Co-op Preschool Pros: No Forced Separations Shorter Days (2.5 hours) Parent Participation Parents Love the Co-op Approach Price Socialization between Myself and Other Moms Co-op Preschool Cons: Didn’t Get a Happy Feeling There Dingy/Dark Facility Larger Class Size Less Field Trips/Activities Mandatory Meetings Assume an Administrative Role Clean the School Felt Like a Large Play Date Traditional Preschool Pros: Better Overall Vibe Weekly Music &…
  • Preschool: Traditional or Co-op?

    One Frugal Girl
    18 Apr 2014 | 1:14 pm
    Believe it or not I still haven’t settled on a preschool for my son. I began contemplating the preschool versus no-preschool option at the end of last year and visited a few open houses in January. I applied to two schools in our area and my son was accepted into both. Initially I wavered on the idea of sending him to school at all. I really enjoy my time at home with him and I certainly don’t want to kick him out of the nest any sooner than necessary, but there are not a lot of children in our neighborhood to play with during the day. The majority of kids attend daycare or…
  • I’m Still Here

    One Frugal Girl
    5 Apr 2014 | 3:03 pm
    My postings have been quite sporadic over these past two months. I seem to fill my week with an assortment of activities which either involve entertainment for my son in the form of trips to the playground and toddler classes or trips to medical professionals to help me with my newly diagnosed neuropathy. I am grateful to all of my long time readers who left comments and sent emails about my illness. I was in a very dark place two months ago and your words lifted my spirits more than you could ever imagine. One evening my husband came up to check on me and I collapsed into a puddle of tears.
  • $1500 Slipped Through My Hands

    One Frugal Girl
    26 Mar 2014 | 2:13 pm
    In the past four weeks I spent over $1500 on treatments to cure neuropathy caused by antibiotics! Here is a snapshot of those costs. $45 – Reiki Treatment $55 – Therapeutic Massage $150 – Acupuncture Consultation and First Treatment $85 – Acupuncture Treatment $85 – Acupuncture Treatment $255 – Another Acupuncture Consultation and First Treatment $110 – Acupuncture Treatment with Second Acupuncturist $300 – Five Therapeutic Massage Treatments $178.95 – Three Months Worth of Vitamins $30 – Copay to Neurologist $157.48 – General…
  • Two Quotes for Very Gloomy Days

    One Frugal Girl
    11 Mar 2014 | 5:53 pm
    Years ago a friend bought me two refrigerator magnets. These days my fridge is overloaded with photos of my son playing and laughing, but right on the front amidst those images are two beautiful quotes that keep me moving on dark, gloomy days. The first reads: for a long time it seemed to me that life was about to begin – real life. but there was always some obstacle in the way, something to be gotten through first, some unfinished business, time still to be served, a debt to be paid, at last it dawned on me that these obstacles were my life, this perspective has helped me to see there…
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    My Dollar Plan

  • 8 Ways to Save on Moving Costs

    Kristen
    23 Apr 2014 | 6:29 am
    Moving is an emotional rollercoaster. In many cases, it’s exciting and joyous if you’re moving somewhere you are happy to be living. It can also be intimidating and nerve wracking if you’re moving because of a new job or moving to a new place where you aren’t familiar with the area or know anyone. Moving is also a chaotic, busy time since you’re trying to pack up and move everything you own. Whatever moving is to you, the one thing that everyone has is common is that moving can be expensive. The last thing you want to do before settling down somewhere new is be broke because moving…
  • Free Gift Cards from Recycle Bank

    Madison
    22 Apr 2014 | 6:49 am
    It’s Earth Day! To celebrate, I went through all of our articles from the last six years to find the most popular article that combines a green lifestyle and financial rewards. For long time readers, remember when we introduced RecycleBank a few years ago? And for new readers, have you heard of ReclycleBank? Here’s a recap of the ReclyceBank program. RecycleBank RecycleBank allows you to earn points for taking green actions like recycling household goods and cutting back on your energy use. What is RecycleBank? RecycleBank trades the actions you make that have a positive, green…
  • 13 Free Ways to Reduce Stress

    Kristen
    21 Apr 2014 | 6:29 am
    As wonderful as it is, life can get pretty rough sometimes. Between dealing with work, finances, personal relationships, and the everyday stresses of life, things can get difficult. Sadly, it could be somewhat of a vicious cycle, too. Often, when we’re stressed, we might feel like we need to go shopping for some retail therapy, buy something to make ourselves feel better, or head out for a pricey night on the town. Being stressed also causes us to be disorganized and off track, which directly impacts our finances. Stress may be unavoidable, but here are free ways to deal with stress. Photo…
  • Finance Tips: Track Your Net Worth as a Wealth Building Strategy

    Kate
    19 Apr 2014 | 6:29 am
    Even with tax time behind us, we found some great finance reads out there this week on taxes, travel, retirement and more! Featured Finance Tip Wealth Strategy: Track Your Net Worth – I have to agree that I think this is one of the best things you can do to set yourself on the path towards building wealth. -Million Dollar Journey Finance Reads Devil’s Advocate: Give Uncle Sam a Free Loan! – I also tend to err on the side of preferring to give Uncle Sam a free loan. What are our readers’ thoughts? -Lazy Man and Money Marriage Penalty or Bonus Poll Results - This had some…
  • Serve $50 Statement Credits Per Month via Isis

    Kate
    18 Apr 2014 | 6:29 am
    American Express’ Serve is offering a cool rebate offer through their Isis Mobile Wallet. Every time you make a purchase over $1 you’ll get $1 back, with potential for up to $150 back during the next 3 months – it’s this week’s Free Money Friday offer! How to Get Your Bonus If you haven’t already, sign up for Serve from American Express. Use your Serve card through the Isis Mobile Wallet. For any purchases you make over $1 through June 30, 2014, you’ll get $1 back in statement credits. Terms and Conditions Transit and parking purchases are excluded.
 
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    My Financial Journey

  • Retirement Nestegg Report – March 2014

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

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

    MFJ
    1 Mar 2014 | 5:54 am
    Well another great month for the stock market and another great month for my retirement nestegg. Once again my investments outperformed the SP 500 and my retirement nestegg is inching up on $400,000 – which is absolutely mind boggling since I just hit $300k in July! This also marks the 100th monthly report in a row that I have done for this blog. To put the power of compound interest into perspective – my first monthly report was filed in December of 2005 and my nestegg was at $24,616.93 and that had represented over 3 years of savings to that point. This month my retirement…
  • What am I saving money for?

    MFJ
    3 Feb 2014 | 12:22 pm
    This seems like kind of a horse after the cart type of moment, but I’ve more recently started to wonder what I am saving all of this money for. My retirement nestegg has grown exponentially and overall I think I have done a pretty decent job of saving a significant portion of my income for retirement. I’ve set goals and have met them and I have toyed with setting new goals for myself. For example I set that $1M for 40 goal 2-3 years ago and never wrote a post as to what, why, or how I was going to do that. Part of the reason was that I didn’t know really the why and well the…
  • Retirement Nestegg Report – January 2014

    MFJ
    3 Feb 2014 | 6:52 am
    Well I we started out 2014 with a down month for the market and to be honest that kind of excites me. Again I am young and am contributing so a bad market benefits me tremendously. Also as you can see I put over $9000 of new money into my accounts this month so have money to deploy should things start falling. Once again I have bested the SP500 by a significant margin and while the time period is still short I am very excited at the prospect that I will be able to get market beating returns with my individual stocks and this will increase the already amazing power of compound interest. We…
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    MoneyCrushMoneyCrush

  • How I Nearly Threw Away $10,000 in Free Money

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    21 Apr 2014 | 5:00 am
    Way back in high school, I tried hard to get 100% on all of my assignments and tests, and usually succeeded. When I didn’t, I figured out where I went wrong, got help, and tried harder. I also ended up doing really well on the ACT test. So of course my parents encouraged me to apply for scholarships when it was time to think about college. Excuses, excuses Now scholarships weren’t as easy to find out about back then as they are now. There was no Google to search with, and there weren’t any scholarship web sites to check. Almost no one even had a (huge) PCs, let alone access…
  • The Real Secret to Personal Finance Success: Your Backup Plan

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    7 Apr 2014 | 5:00 am
    Planning is key to so much of personal finance — it’s how we get ahead and stay ahead. Without planning, we just scramble to react, or make decisions that can be bad for us because they aren’t well thought-out. (You know how it is when you’re forced to give an answer quickly, and then later you think of something better you could have said or done…) But it’s not just planning for things you want to have happen that matters. You’ve also got to plan for the what ifs; the things you actively don’t want to have happen. Why planning for the bad stuff…
  • The Secret Power of No

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    31 Mar 2014 | 5:00 am
    It’s tempting to think of “no” as a bad word, because who likes to be told no? But get to know the secret power of no, and you’ll discover that “no” is a great word. Why? It can help you in two ways. It allows us to focus on the things that matter First, we’re all bombarded with requests for things, and we’re constantly asked to buy. However, since we all have limited amounts of time and money, saying no to things that aren’t our priority allows us to focus on the things that really do matter. By saying no to things and events that…
  • How to Find Time to Do the Things That Matter

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    24 Mar 2014 | 5:00 am
    Are you thinking of starting a side business or working on some other big project this year, but feeling stressed out because you’re not sure how you’ll be able to fit it in? If so, you’ve probably uttered these six words: “If only I had more time”. But the truth is, you’re lamenting the wrong thing. You already have all the time you’re ever going to have. It’s a matter of how you use that time. Every day. Do some analysis It pays to do a little bit of self-reflection before you begin to change how you use your time. So first, do a little…
  • Three Reasons You Should Create a Bare Bones Budget

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    17 Mar 2014 | 5:00 am
    I have two spending plans — one that amounts to a bare bones budget, and another that’s what I really typically spend each month. Why do I have a bare bones budget that I don’t use? (And why do I think you should give creating one a try too?) Three reasons. 1. It forces a detailed look Creating a bare bones budget forces you to take a detailed look at all of the things you’re spending money on. You can evaluate just how easy/hard it would be for you to live without them (and how much value you’re currently receiving in exchange for your money.) Often this results…
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    Million Dollar Journey

  • Estate Planning for a Family Business using the Tax Free Spousal Rollover

    FrugalTrader
    22 Apr 2014 | 4:30 am
    One topic that I’ve been thinking more about lately is estate planning.  It’s a pretty morbid topic and most would rather avoid the topic altogether.  However, poor estate planning can lead to a much higher tax bill than neccessary.  While I’ve written about preparing a will, testamentary trusts and even living trusts, I’ve never really touched on the topic on the sucession and tax planning of transferring a family business upon death. For business owners, the succession of their business is something that can keep them up at night.   Besides the obvious challenge…
  • How to Start Making Money with YouTube

    FrugalTrader
    18 Apr 2014 | 4:30 am
    One of the oft-written about topics on financial blogs involves ways to save money. Saving money is certainly one piece of the ‘earn more and/or spend less’ mantra. Supplementing one’s primary income with part-time gigs/ventures can provide a fillip to stretched budgets and/or offer additional contribution to savings/investment accounts. With the ubiquity of the Internet, content creation and monetization is a path that may provide some additional income for people who can create and display their craft. One popular channel (pun intended) for posting and monetizing content…
  • Preparing for the Income Tax Deadline (2013-2014): Personal Taxes

    FrugalTrader
    14 Apr 2014 | 4:30 am
    Income Tax Deadline With the income tax deadline just around the corner for tax year 2013, which is May 5, 2014 it’s time to start thinking about what’s required to file.  Why isn’t it April 30 like other years?  CRA had to close down their NETFILE services for a few days due to an internet security vulnerability called Heartbleed Bug.  In light of this, they have extended the deadline. If you are a small business owner, you have until June 15th to file, but any taxes owning must be paid by April 30th.  If you are entitled to a tax refund,  although the deadline is…
  • TurboTax Coupon, Why You Don’t Have to Save, Emotional Investing, Bad Retirement Advice, and more!

    FrugalTrader
    11 Apr 2014 | 4:30 am
    For those you who use TurboTax to file taxes online, here is a 15% off coupon! A Canadian Money Forum member shares an interesting story about Inheriting a house that isn’t your parents, where the mortgage payments were made by the parents but the deed is in another family member’s name. Life offers choices most times and one is free to choose but being prepared to deal with the consequences is a lesson that is likely forgotten by many as highlighted by the Retire Happy Blog in Why You Don’t Have to Save. Being debt free before retirement is a big step to a successful future.
  • Wealth Strategy: Track Your Net Worth

    FrugalTrader
    8 Apr 2014 | 4:30 am
    This post was originally published in early 2009, but brought to the forefront as I believe it’s one of the more important strategies for growing wealth. For those of you who have been following my journey, you’ve probably noticed that I’m a big believer in tracking and managing progress to help achieve desired goals.  I can’t believe I haven’t explicitly written about this strategy before as I’ve been publishing my net worth updates for several years now. That is, if your aim is net worth (or any financial) growth, track and record it on a regular basis.
 
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    Bible Money Matters

  • 30 Quotes About Easter And Resurrection: He Is Risen!

    Peter Anderson
    20 Apr 2014 | 4:02 am
    Here are 30 quotes about Easter and the resurrection to help us to think about the meaning behind the day.The post 30 Quotes About Easter And Resurrection: He Is Risen! appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • FeeX Review: Are Fees Killing Your Investment Returns?

    Peter Anderson
    18 Apr 2014 | 12:56 pm
    FeeX calls themselves the "Robin Hood of Fees", and their goal is to help people avoid the "tyrrany of unfair fees" in their investments. Here's a review.The post FeeX Review: Are Fees Killing Your Investment Returns? appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • You Need A Budget 4 (YNAB) Is Now Free For College Students

    Peter Anderson
    16 Apr 2014 | 1:14 pm
    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.
  • Top 5 Lessons I Learned At FinCon

    Peter Anderson
    14 Apr 2014 | 7:10 am
    There were quite a few things I learned at FinCon last year. Here are my top 5 lessons learned .The post Top 5 Lessons I Learned At FinCon appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • My Top 5 Favorite Banks And Brokerages

    Peter Anderson
    10 Apr 2014 | 11:43 pm
    Today I thought I would give a list of the top 5 banks and investing companies that I actually use and have accounts with.The post My Top 5 Favorite Banks And Brokerages appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • Financial Wastefulness

    Big Cajun Man
    23 Apr 2014 | 5:08 am
    The Pope in his Easter message had one very interesting line: Help us to overcome the scourge of hunger, aggravated by conflicts and by the immense wastefulness for which we are often responsible. The phrase that really caught my eye was “.. the immense wastefulness for which we are often responsible…”, and specifically in terms of what this does to our finances. Overcoming hunger is very important but I will leave that to the religious blogs to discuss, but monetarily there are countless examples of waste financially, do any of these ring a bell? How much clothing have you…
  • Decreasing Electronic Footprint

    Big Cajun Man
    22 Apr 2014 | 4:32 am
    After the past few weeks of fun and excitement on the Web, I have decided to practice what I preach by starting to decrease my Electronic Footprint.  The Heartbleed Bug will mean that we must all go and change all of our passwords and such to get back to a less vulnerable stance (sorry I have been watching MI-5 on Netflix). One of the first steps I have taken is to minimize financial issues, and I had a small account with Mint.com, which was mostly to just try things out, that I have deleted.  The account was not being used, all it did was tell me once a month that  one of my credit cards…
  • Inflation Jumps in March 2014

    Big Cajun Man
    21 Apr 2014 | 5:12 am
    Thanks to the new Energy Crisis (or energy gouging depending on how you want to look at it), Inflation started to jump in March (year over year) by 1.5%. Specifically Stats Canada points out in their report: The larger year-over-year rise in the CPI in March compared with February was led by energy prices, which rose 4.6% in the 12 months to March, following a 1.6% increase in February. Gasoline prices rose 1.4% on a year-over-year basis, after decreasing 1.3% in February. In addition, the natural gas index increased 17.9% in March, following a 5.5% rise in February. The rise in the natural…
  • Easter is Here and a Saturday #BestOf for the Weekend

    Big Cajun Man
    19 Apr 2014 | 7:49 am
    Easter is here, the most important festival in the Christian religion (sorry Christmas, without Easter you kind of don’t have Christianity). I haven’t written too much about it this year, but to me this is a time of renewal and restarting things, which I am going to try to do (both health wise and financial wise). On this Holy Weekend What is the True Faith of Investing? It is the Stanley Cup and NBA Playoff season, which is heaven for a “Sporto” like me. Heck I find myself even watching Premiership Soccer on Saturday mornings, and of course Formula 1 (and it’s…
  • Good Friday

    Big Cajun Man
    18 Apr 2014 | 5:22 am
    The Easter season begins today with Good Friday, with that in mind I am going to enjoy this weekend with my family, and will be back on Monday. Good Friday I have spoken about Good Friday before so I leave you a short excerpt from my Faves page: Personal Financial and Planning Don’t Be Afraid to Change Banks Some useful advice I gave a friend that still is very true! Free Banking One of my favorite topics on how to get your bank to give you FREE banking for a while at least. Quarterly Personal Finance Status Report A way for couples to keep each other up to date on their financial status.
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    Early Retirement Extreme

  • Can I retire with 2 million dollars?

    Jacob
    23 Apr 2014 | 10:34 am
    This, and various perturbations, is one of the most frequent Google search terms that hit this site. I think my very general answer would be that if you have to ask that question, then the answer is, “PROBABLY NOT!” If you ask whether you can retire with $10 million, the answer is still no. The problem is essentially scale-less. Asking the question implies that one has accumulated X dollars without any thought towards expenses and jobless income. I posit that if those things are considered, the answer would be obvious and the question would not have to be asked. However, until one figures…
  • The last pair of boots I’ll ever buy

    Jacob
    22 Apr 2014 | 10:28 pm
    I have used the same pair of boots almost every day since my early 20s. I’ll be 35 in a few months. Like with most “extreme” stats, a pair of boots which are 13+ years old blow the normal expectation values out of the water; much like being able to retire in five years… or having more than 2 page views per blog visit I don’t know how many reheelings (resoling the heel only) I have had done on them. I lost count around 8. I know the full sole has been replaced once because I found an excellent cobbler in the city I live in. Vibram Skywalk. Don’t get anything…
  • Great post, I agree, and other common blog comments

    Jacob
    22 Apr 2014 | 10:23 am
    Ever wondered why some comments appear more than others and why some comments only appear on blogs with many readers? The explanation is fairly simple: human psychology and statistics. Great timing. I was just doing this … It is self-evident that for a post with some relevance to real life activities, the probability of a person engaged or about to be engaged in such an activity multiplied by the probability of the person commenting (these probabilities are not necessarily independent, but I doubt the cancel each other out, if anything they increase as someone with some reason to…
  • Does retiring early lead to a shorter lifespan?

    Jacob
    21 Apr 2014 | 10:14 pm
    Not according to this graph, which shows an almost inverse correlation between retirement age and lifespan, that is, the sooner you retire, the longer you will live. The graph shows linearity going into earlier years. It is interesting how long that relation holds. This somehow contrasts with this study which comes to the opposite conclusion. However, if, as stated in the comments, the study was not corrected for the poorer health of some early retires, e.g. people retire early because they are in poor health, the conclusion that one doesn’t live long is obvious, no? A priori reasoning…
  • Travel, tourism, and living abroad

    Jacob
    20 Apr 2014 | 9:59 pm
    A couple of weeks ago I posted the controversial statement that travel is not worth it. This elicited many comments and so it is obviously something people feel strongly about. I think, therefore, I should clarify things a bit. First some definitions: Travel: The process of getting from point A to point B. Tourism: Using the WTO’s definition, tourism is traveling to some place and being away from home for more than 24 hours and less than 1 year and NOT being remunerated from the destination. (Being away for longer than one year while not being paid would not be tourism.) Living abroad:…
 
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    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.
  • New Year Resolution: I'll Mow My Own Lawn

    webmaster@pfblog.com
    16 Mar 2014 | 8:41 am
    It has been a year since we bought our new home on an acre-shy lot. I am not a particular fan of gardening over my life so far, and hence for most of last year, I had conveniently outsourced the yard work to my gardener for $330 a month, including tax. He is a good young man who bought an established lawn care business and does adequate work. I even introduced him to our neighbor across the street, from whom he won the lawn maintenance business too. By November we mutually agreed to pause the service until grass will grow again in March. I also sent him a Christmas gift card for appreciation.
  • Monthly Update - February 2014 ($1,676,362, +$12,539)

    webmaster@pfblog.com
    2 Mar 2014 | 9:29 am
    Advancing $12,539, or 0.75%, our net worth closed the month of February at $1,676,362. Trailing 12 months improvement is $190,398, or 12.8%. 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.
  • What I Benefitted From Filing My Own Tax

    webmaster@pfblog.com
    26 Feb 2014 | 6:58 am
    I spent several hours this Sunday morning to put some finishing touches to our federal tax return, and the 27-page return is now on its way to IRS this week. I have worked on the tax return since the late January, and by my estimate, I spent around 20 hours on TaxAct to prepare the return, not to count the time throughout the year with Quicken to keep a clean financial record. This is higher than the 15 hours average time burden for filing a tax return on 1040 as estimated by IRS. Maybe I could work on my math in the coming year so I can beat the average :-) I enjoyed acquiring tax knowledge…
  • How To Get Your Previous Years' Tax Returns?

    webmaster@pfblog.com
    17 Feb 2014 | 8:07 am
    As part of the HELOC application process, we were asked to sign a 4506-T form to authorize banks to get from IRS transcripts of our prior years' tax returns. This makes me think: as taxpayers, can we get such information ourselves? Yes, we can. A quick search on the IRS website yields two different options: 1) One may request a tax return "transcript" for free. A "tax return transcript" contains "most line items from your tax return (Form 1040, 1040A or 1040EZ) as it was originally filed, including any accompanying forms and schedules." 2) Or, one may order an exact copy of tax return, which…
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    2million's Personal Finance Blog

  • Car Purchasing Decision: Minivan or Not?

    2million
    7 Apr 2014 | 11:28 am
    My wife and I are actively working on buying a replacement car. My 1998 Nissan Sentra is currently having some problems (significant oil leak) and I've decided that I don't want to continue to invest in the car since we plan to replace it in the near future. The biggest discussion point for us has been whether or not we think we need to purchase a minivan for the family or a commuter car for myself. My wife currently drives a small SUV, a Hyundai Santa Fe, that we really enjoy and our family currently can manage distance travel in. However we recognize our family needs are continuing to…
  • March 2014 Net Worth Update (+$14,117)

    2million
    3 Apr 2014 | 3:28 am
    Highlights for FebruaryWe are close to finishing 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.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 interested, our March Zillow property…
  • Chairmen Letters to Shareholders

    2million
    9 Mar 2014 | 5:59 pm
    Its that time of year again --the close of fiscal years means an overload of annual reports including Letters to Shareholders. Two annual letters that I read each year are those from Berkshire Hathaway (Warren Buffet) and Fairfax Financial (Prem Wasta). Both of these annual letter to shareholders have been posted in the past couple weeks for 2013. Some highlights from Warren Buffet's Letter to Shareholders: Berkshire spent $18 billion on 2 large investments in NV Energy and Heinz and continues to look for more elphapents. Charlie and Warren have always considered a “bet” on ever-rising…
  • February 2014 Net Worth Update (+$21,948)

    2million
    4 Mar 2014 | 4:58 pm
    Highlights for FebruaryWe are in the middle of 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.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 interested, our February Zillow property estimates are: $214,838; $130,790; $298,749; and $236,374 (total:…
  • Investment Performance January 2014 (-2.94%)

    2million
    23 Feb 2014 | 5:55 pm
    January 2014 Investment Report: January Highlights: January was a bad way to start out the year, but our portfolio performed slightly better thank our benchmark (-2.94% vs -3.17%). We made our regular monthly investments in our Roth IRAs, and some dividends & dividend reinvestments. It was an active month as we took a more substantial amount out of our investments by selling portions of our Genworth (GNW) and Bank of America (BAC) holding as they hit new highs. I don't see a whole lot that I'm excited about in the short term so I expect I will be holding a bit higher amounts of cash this year…
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    FIRE Finance

  • Happy Patriots' Day

    21 Apr 2014 | 12:12 am
    Apr 21, 2014: We wish you all a Happy Patriots' Day. Traditionally April 19th was designated as Patriots' Day in observance of the anniversary of the Battles of Lexington and Concord, the first battles of the American Revolutionary War. Since 1969, however, the holiday has been observed on the third Monday in April, providing a three-day long weekend! Here's an inspiring part on the advents of Click on the post title to continue reading .....
  • Wish you a Happy Easter

    20 Apr 2014 | 9:09 am
    Apr 20, 2014: We wish you a happy Easter :). As children, we remember that Easter was a wonderful holiday! It was always so much fun to search for our bunny baskets filled with Easter eggs. And our joy knew no bounds when we found them :). Our Easter baskets would be loaded with treats and we'd play with them all day. Memories filled with simple joys of life! It's interesting to note that Easter Click on the post title to continue reading .....
  • Top Traffic Referrers for FIRE Finance - March 2014

    17 Apr 2014 | 2:32 pm
    Apr 17, 2014: March is a special month since it ushers in spring. Students love it because of a welcoming spring break which gives them a chance to see beautiful places :). In the spirit of new creation and a warm summer ahead we express our heartfelt thanks to our audience for your continued support and loyalty. Here's our gratitude to fellow publishers who have sent traffic our way in March: Click on the post title to continue reading .....
  • Double Your Tax Deduction Every Time You Fund Your IRA!

    15 Apr 2014 | 2:12 pm
    Apr 15, 2014: Most of us try to maximize tax deductions. After all we'd like to pay Uncle Sam bare bone taxes. On that line we discovered a neat trick that'd double your tax deduction every time you put money into a traditional tax deductible IRA. If you are thinking of contributing to your IRA, then do not use any cash. Instead, you can sell one of your stocks that has declined in value and use Click on the post title to continue reading .....
  • Short on Tax Money - File an Extension or Pay in Installments

    10 Apr 2014 | 12:12 am
    Apr 10, 2014: With Tax Day less than a fortnight away, you are either done with taxes or are hurrying to finish the formalities. But what if you don't have enough money to pay your taxes? The first step is not to panic. If you can’t pay your taxes immediately, you can consider a couple of alternatives: 1. Pay in installments If you owe $25,000 or less in combined tax, penalties, and interest Click on the post title to continue reading .....
 
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    Ranjan Varma| Ranjan Varma

  • Learning Never Stops……

    Ranjan Varma
    23 Apr 2014 | 6:04 am
    I have started learning graphic designing today. I have chosen to start with still images and will learn about motion graphics later. Here’s the first image that I created. Pointers to improve will be much appreciated.     Recommended postsNovember 23, 2011 -- Death From Opinions (3)November 27, 2011 -- Saving Tips or Garbage? (0)March 22, 2011 -- Pictures Are Worth Thousand Words (1)December 25, 2011 -- Spending Money (1)January 3, 2011 -- Hare & Tortoise Story on Investing (7) Share/Save
  • How Politics & Personal Finance have Curious Similarities!

    Ranjan Varma
    20 Mar 2014 | 6:04 am
    Warning: Useless rant ahead, read at your own risk. It was a startling thought for me too when I saw some curious similarities between the political scene and the personal finance scene. Bear with me while I elaborate In the political scene, we have two or more different political parties each of them wanting your vote. In the personal finance scene, we have insurance companies, banks, mutual funds, stock exchanges and each of them want your note! Supporter of one political party does not get swayed by opponents and continues to support the party despite all evidence that goes against their…
  • Xmas/New Year offer to get started on money management @ just Rs 95

    Ranjan Varma
    19 Dec 2013 | 10:24 pm
    The most important step towards achieving anything is to “Get Started”. Here’s a chance to buy a book on getting started on money management @ just Rs 95. More about the book Have you taken the right financial decisions in your life? Answer the following questions to yourself: Are you aware of the cost of free advice? Do you know how to get better, professional, independent and honest financial advice? Do you know that buying online financial products can save you a lot of money? Are you aware of how your subconscious mind is taking automatic decisions that may not be in…
  • Religion and Morality

    Ranjan Varma
    26 Sep 2013 | 11:01 pm
    Chew on this! Check out this FB page too Recommended postsMarch 25, 2013 -- Opinion versus Facts (1)October 29, 2012 -- The Bankster by Ravi Subramanian (1)March 27, 2013 -- To Change or Not to Change (0)March 29, 2013 -- Industry Reviews on Housing & Infrastructure (0)September 21, 2013 -- Complain about Negativity Around? It could be within You (0) Share/Save
  • Outlook on the Indian Economy: A Report

    Ranjan Varma
    25 Sep 2013 | 9:02 am
    The MBA Finance guys that I spoke to today had a number of questions on the economy and I told them about reading up on CRISIL’s reports on the economy. The CRISIL’s report, The State of the Nation is an interesting research. CRISIL’s take on currency, inflation, agriculture, exports, forex, CAD, etc is a recommended read. Recommended postsOctober 29, 2012 -- The Bankster by Ravi Subramanian (1)August 24, 2012 -- India’s Olympic Achievement: Participating but not Winning (2)September 20, 2013 -- Rajan, Chidambaram aur Woh (0)March 29, 2013 -- Industry Reviews on…
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    How I Save Money.net

  • I Have A Lower Credit Card Rate (And Why I Don’t Care)

    Lulu
    23 Apr 2014 | 8:45 am
    So one of my credit cards just informed me that I have a new lower credit card rate for purchases. The original rate was 17.99% and they have now graciously lowered it to 13.99%. I never pay attention to the rates on my credit cards because those only matter if you carry a balance from month to month. While the drop of 4 percentage points seems like a great improvement I am really not impressed. I don’t care what the interest rate on my credit cards is for purchases because I simply do not pay interest on my purchases. While I do use my cards on a daily basis for everything from rent…
  • What To Do If You Are A Victim Of Identity Theft

    Lulu
    20 Apr 2014 | 11:01 pm
    Every year people become the victim of identity theft in some form or fashion. No one wants to think it can happen but with the amount of data we all have it is getting easier for crooks to take advantage of us. In many cases the victims do not realize what has happened until it is very late and they have already lost hundreds, if not thousands of dollars. The theft may also have totally wrecked their credit score because the thieves run up large bills that they do not pay and the victims are unable to pay as well. If you do become a victim of identity theft there are a few steps you can take…
  • Friday Finances: April 2014 Week 3

    Lulu
    17 Apr 2014 | 8:26 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 income was: Nothing at all but that is not a surprise as I only get paid once a month. This week my expenses were: $5.37 on lunch for the day. I was part of a panel where lunch was provided over two days. On the second day I had to leave early to get some work done so I ended up buying lunch as I had been on…
  • Friday Finances: April 2014 Week 2

    Lulu
    10 Apr 2014 | 11:01 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 income was: Nothing! I only get paid once a month and I did not have any gift cards to cash in yet. This week my expenses were: $9.14 on lunch with my protege. We meet every other week and we were supposed to only get coffee but then we both decided we were starving and needed to eat. It was a very productive…
  • One Week Left For (Regular) Income Tax Filing

    Lulu
    8 Apr 2014 | 11:01 pm
    You only have one week left to get in on the regular income tax filing schedule. Taxes are due on 15th April and if you don’t get yours in by that date you have to deal with extensions. Why bother with all of that..just get your taxes done now and save yourself the hassle! I filed my taxes already so I have nothing to worry about. Related posts: How To Turn An Irregular Income Into A Regular Cash Flow Tax Time Taxes Have Been Filed
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    Funny about Money

  • Prescription Pills: Proceed with Caution

    funny
    22 Apr 2014 | 6:14 am
    The past few weeks, what with a new pup to tend to, a bunch of paying work (and more incoming), the scheme to self-publish three books, and a busy Holy Week, I’ve hardly had any sleep at all. Pup regularly lobbies to go out at 4 in the morning, and once awakened, I rarely go back to sleep. And night after night, bed-time has come along about midnight. Nothing out of the ordinary…but then there’s also the slacking off in the exercise department. When I’ve had time to exercise or walk, I’ve been too tired to bother. Result: ta DAAA! Resurgent back pain. Sunday…
  • Monday, Monday

    funny
    21 Apr 2014 | 9:56 am
    Another week gone by in a blink. How can it be Monday again? It was Tuesday yesterday, I’m sure of it… This Holy Week seemed unusually hectic in the singing department. In addition to the usual Wednesday rehearsal, we had Maundy Thursday and then Good Friday with the Stations of the Cross followed by the Chamber Choir singing the amazingly lovely Seven Last Words by Bern Herbolsheimer followed by us — the Senior Choir — singing Lizst’s Via Crucis (yes, in Latin and in German). Then Saturday the Great Vigil with a baptism and a religious service. Then the Easter…
  • Happy Easter Egg!

    funny
    19 Apr 2014 | 3:47 pm
    Cassie and Ruby’s Easter “Egg”: The THING, one of Cassie’s toys, hanging from a piece of clothesline rope off a rafter on the back  porch (click on the images for bigger and better resolution). Cassie examines the object, to be sure it’s safe for Pup. Ruby tackles the object… A-n-n-n-d…the game is on! Happy Easter to those of you who are believers. And to everyone else, a beautiful weekend, a magnificent Sunday, and a superb year to come! aaa Related posts: KJG’s Irises!
  • First Experiment in Self-Publishing!

    funny
    16 Apr 2014 | 10:32 pm
    Well, this is cool. The eBook Builder says our first adventure in self-publishing will be ready to go this week. And my old friend Jim Metcalf came up with a very handsome cover, despite the fact that every image of the rest of us could unearth with was totally, hopelessly politically incorrect. It is, IMHO, amazingly good. I really like this. He came up with another with these sort of shadowy handcuffs. But those evoke law enforcement, to my mind, more than indentured servitude. The kind of cracked marble effect evokes the crumbling of the academy, a phenomenon epitomized by the fact that 50…
  • Check Out Funny’s New Blog

    funny
    16 Apr 2014 | 7:11 am
    LOL! Yesterday was too hectic for much writing — or to get much of anything done — but I did manage to choke out a fairly hilarious post on my Corgi blog, a site I expect to feed into yet another planned book. A new RSS feed appears at left.  Check out this (wee hours!) morning’s post. Related posts: Decomplicate Me!
 
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    Lending Club Blog

  • We’ve acquired a company!

    Lending Club
    17 Apr 2014 | 6:49 am
    Today we’re excited to share the news that we have acquired Springstone Financial, a company founded in 2007 by Mike Gilroy, Mike Donovan and Jim Donovan.  The company has over 50 team members, who all joined Lending Club this morning and make for a great addition to our growing team of 500+. We are extending a warm welcome to our new fellow Lending Club team members! Springstone offers affordable financing options for consumers looking to finance private education and elective medical procedures through a network of over 14,000 schools and healthcare providers. This product fits well…
  • Lending Club customer information safe from Heartbleed Bug

    Lending Club
    11 Apr 2014 | 12:49 pm
    You may be hearing about a security vulnerability in OpenSSL (theencryption software used by the majority of sites on the Internet) dubbed the Heartbleed Bug that was disclosed earlier this week. We became aware of the OpenSSL vulnerability when it was first reported, and our security team took immediate action to conduct a comprehensive review of our environment. Our comprehensive review verified that our own infrastructure was not vulnerable. A service provided by a third-party was vulnerable, but the vendor promptly patched its software to fix the vulnerability. As a precaution, the…
  • New: Loan Origination Data Update

    Lending Club
    3 Apr 2014 | 3:40 pm
    An update for users of our platform statistics and historical downloadable file.  We are changing the frequency with which we post data about new loan issuance on the platform. This change relates to overall platform data that we provide on the Lending Club Statistics Page. The change will not reduce the frequency of data updates about Notes that you hold. Instead of posting new issuance data daily, we’ll now post new issuance data quarterly within 30 to 45 days after the quarter ends. We will, however, continue to provide daily data updates on payment and performance in our downloadable…
  • Lending Club Launches Business Loans

    Lending Club
    20 Mar 2014 | 1:00 am
    Today, Lending Club announced the launch of business loans to meet the needs of America’s small businesses, a topic that Lending Club CEO Renaud Laplanche discussed with members of the U.S. House of Representatives in December 2013. As our latest infographic shows, small businesses need access to capital to continue to be a driving force and foundation of the US economy. This is a huge milestone for us. For the past seven years, Lending Club has been working hard to grow our first product. Today, we launched the first in what will be a series of new products, designed to address a variety…
  • Lending Club Extends Privacy Protections for Borrowers

    Lending Club
    19 Mar 2014 | 4:43 pm
    At Lending Club we pride ourselves on embracing new technologies and open communication, but we’re also very aware that we provide a financial service that calls for a very high standard of privacy and identity protection. To that end, we have implemented a change that will reduce the possibility of exposing personally-identifying information about borrowers.   Starting today, instead of writing a free-form loan description, borrowers will simply choose a loan purpose. In addition, borrowers will no longer be able to answer questions. Historically, borrowers were able to provide a…
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    MintLife Blog | Personal Finance News & Advice

  • 8 Tips for Updating Your Kitchen On a Budget

    Frugal Foodie
    23 Apr 2014 | 9:28 am
    Once the spring-cleaning bug bites you, you might start to look around your home and think about bigger projects—like finally giving your kitchen a facelift. Of course, the allure of a stainless steel fridge, high-end stove, and Pinterest-worthy array of customized cabinetry could come at a hefty price tag. A major kitchen remodel costs an average $54,909 if it’s a midrange project, or as much as $109,935 if it’s upscale, according to Remodeling Magazine. Even a minor kitchen remodel costs an average $18,856! It’s not just about what you want, either. “When making the investment in…
  • Which Superhero Are You, When It Comes to Saving?

    Mary Hiers
    22 Apr 2014 | 11:30 am
    Are you a superhero with your money? You are? Great! But here’s the thing — there are so many superheroes, and so many different ways to handle funds, that considering yourself a monetary superhero might actually be considered a form of self-loathing. With that in mind, we thought we’d gather up a few popular heroes and assign them a particular saver type. Which one are you? Are you an awesome savings superhero, or a sad one who might be better living a life of crime? Let’s find out! You Live Simply and Save Every Penny: You are Superman, the Man of Steel with a wallet…
  • How to Start Investing: Part 3

    Matthew Amster-Burton
    22 Apr 2014 | 10:46 am
    Happy Financial Literacy Month! Welcome back to MintLife columnist Matthew Amster-Burton’s three-part series on how to be a great investor. Week 1: Before you invest Week 2: The secret of great investing Week 3: Staying in the game In addition to this column, I write a food blog. Sometimes. Let’s see…it’s currently April, and the last time I updated my blog was in November. This makes me a lousy blogger, but a pretty good investor. In the first two weeks of this series, I explained what you need to do before investing (get out of debt and read a good book) and the key to being a great…
  • 5 Tips to Avoid Hiring Movers

    Rent.com
    21 Apr 2014 | 11:30 am
    Let’s face it: moving is expensive. Hiring movers certainly has its benefits, but the costs add up. If you can’t afford to hire a moving company, here are six tips to get you through your move: Make Estimates Plan ahead to avoid paying more money to move than you initially thought you would. Make a list of all the potential expenditures you can think of. Include items like gas, tolls, hotels and meals if you’re driving far. You’ll also need packing supplies like boxes and tape. Remember that time is a commodity. You’ll be spending time organizing and packing your…
  • Why are Retail Credit Cards Easier to Get Than General Use Ones?

    John Ulzheimer
    21 Apr 2014 | 9:56 am
    “John, I want to establish credit and I know one of the ways to do so is to open a new credit card.  I’ve done some research on the Internet and I’ve seen a bunch of articles about how it’s easier to get a retail card than it is to get an Amex or some other credit cards.  Can you explain why that’s the case?” First off, congratulations on taking the big step to get your first credit card. When used wisely a credit card can be a great way to build a solid credit report and solid credit scores, without taking on any debt. Just be sure you always pay your balance in full each month…
 
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    Free Money Finance

  • In Case You Were Wondering

    NA
    23 Apr 2014 | 6:46 am
    You may have noticed that my site has been down for the past few days. Typepad, the service I use to run this blog, was attacked system-wide and most, if not all, of their blogs have been down since the weekend. Thanks to those of you who emailed or tweeted me. I appreciate your concern and thank you for looking out for me. Anyway, I hope we're back to normal and things will proceed as usual. Thanks for reading FMF. Update: Here's a newly posted piece featuring advice from top personal finance bloggers. Click through to see what I had to say. :)
  • A Money Expert Who Knows What She's Talking About

    NA
    23 Apr 2014 | 2:29 am
    In contrast to many financial "experts" in the media who know very little about money management (I noted this in Money 101: How to Measure and Track Wealth and Another Financial Media Mistake), Business Week magazine interviewed Ann Kaplan, a woman after my own heart.Here's what started off the interview: What’s the biggest financial mistake people make?The biggest mistake isn’t bad investment choices, it’s overspending. Most people are very surprised when they analyze their spending to discover that a lot of it doesn’t reflect their priorities. Maybe they’re eating out a lot when…
  • The Importance of a Thank You Note

    NA
    21 Apr 2014 | 2:29 am
    There's a newsletter that gets passed around our office that recently quoted the following: According to a CareerBuilder survey, 58% of employers said it's important to send a "thank you" after an interview; 24% said it's very important. We've discussed this issue a lot in the past. Here are some highlights: Another Plug for the Thank-You Note  Do You Send a Thank You Note After a Job Interview? And Yet Another Recommendation for the Lowly Thank-You Note Thank You and Follow-up An HR Professional Recommends Thank You Notes Here are a few thoughts from me in case you've missed them throughout…
  • How Bad Americans Have It

    NA
    18 Apr 2014 | 2:29 am
    Money magazine released the following stats in their April issue. This set is for households making below $100,000 a year: 55% are living paycheck to paycheck 66% couldn't handle an unexpected $10,000 expense 47% couldn't live comfortably even three months if breadwinner lost his job 47% would find it tough to get new job if laid off Now here are the percentages for households making more than $100,000 a year: 37% are living paycheck to paycheck 38% couldn't handle an unexpected $10,000 expense 32% couldn't live comfortably even three months if breadwinner lost his job 37% would find it tough…
  • Are You in Your Dream Job?

    NA
    16 Apr 2014 | 2:29 am
    A reader wrote the following comment to Money magazine in its April issue: One of the facts and figures packed into your March issue stood out: the Money Poll item that 14% of people are in their dream career. So 43 out of 50 commuters are going somewhere other than where they would like. Wow. If these people only knew that when you like your job, it isn't really work at all. I have a few thoughts on this one: I certainly like my job. I've been here eight months now and am so glad I made the move. I don't think it's my "dream career." My dream career would be where I made $10 million a year…
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    Money Crashers

  • 5 Ways to Stay Within Your Budget When Buying a House

    Valencia Higuera
    22 Apr 2014 | 12:30 pm
    A house is likely to be the most expensive purchase you’ll ever make. And if you’ve waited a long time for this day to come, you’ve undoubtedly thought about the features you desire – maybe you’re craving a huge master bedroom with walk-in closets, or perhaps a gourmet kitchen. While you don’t want to skimp […] 5 Ways to Stay Within Your Budget When Buying a House is a post from the Money Crashers personal finance blog.
  • 10 Cheap & Frugal Celebrities – Lessons You Can Learn About Money

    Jacqueline Curtis
    21 Apr 2014 | 9:30 am
    Anytime you page through the latest issue of a tabloid magazine, you receive a lesson in excess: celebrities frolicking on expensive vacations, wearing thousands of dollars in designer clothes, and driving the latest must-have $100,000 SUV. Of course, it’s expensive to maintain that Hollywood image, so it’s never too surprising to hear about celebrities going […] 10 Cheap & Frugal Celebrities – Lessons You Can Learn About Money is a post from the Money Crashers personal finance blog.
  • How to Dye Your Hair at Home – 9 Tips to Get Salon-Quality Color

    Jacqueline Curtis
    18 Apr 2014 | 6:15 am
    If you’re like me, you just don’t have three hours to sit in a salon chair to get your hair cut and colored. After realizing that a professional-looking treatment isn’t very hard to copy – and in the interest of saving my time, money, and sanity – I set about perfecting my home hair coloring […] How to Dye Your Hair at Home – 9 Tips to Get Salon-Quality Color is a post from the Money Crashers personal finance blog.
  • Importance of Community Banks and How They’re Threatened by Dodd-Frank

    Michael Lewis
    17 Apr 2014 | 3:00 pm
    Malcolm Holland, president of $650 million Veritex Community Bank in Dallas, Texas, worries about the future of community banks as a result of increasing federal regulations and growing compliance costs. His concern is based upon the increasing expansion of federal rules that limit the flexibility of community bankers to meet the needs of their customers: […] Importance of Community Banks and How They’re Threatened by Dodd-Frank is a post from the Money Crashers personal finance blog.
  • How to Get a Mortgage Loan If You’re Self-Employed With Fluctuating Income

    Mary McCoy
    16 Apr 2014 | 11:30 am
    Even with tighter regulations on property financing, folks with “normal” income from an employer can be approved for a home mortgage loan fairly easily. You simply have to prove that you have steady paychecks, a credit score of 640 or above, and enough money in the bank to cover your down payment. However, if you’re […] How to Get a Mortgage Loan If You’re Self-Employed With Fluctuating Income is a post from the Money Crashers personal finance blog.
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    SmartAsset Blog

  • The Economics of ASMR

    Alex Silady
    23 Apr 2014 | 11:30 am
    Ilse Blansert rearranges her stick-straight brown hair so that it’s out of her face and puts on a couple dabs of makeup to even out her pale complexion. Satisfied after checking her appearance in her webcam’s display, she gingerly attaches … Continue reading →The post The Economics of ASMR appeared first on SmartAsset Blog.
  • 5 Perfectly Practical High School Graduation Gifts

    Tonya McCleary
    23 Apr 2014 | 9:30 am
    Prom, baccalaureate and awards assemblies are just around the corner and high school graduation plans are underway. Parents, grandparents, family, and friends are making plans for the big day that was 12 years in the making. 13 if you count … Continue reading →The post 5 Perfectly Practical High School Graduation Gifts appeared first on SmartAsset Blog.
  • Worst Money Moves for Retirement Planning

    Rebecca Lake
    23 Apr 2014 | 7:00 am
    Over the last few years, the way Americans view retirement has changed significantly. Although millions of baby boomers are nearing retirement age, whether or not they’ll be able to leave the 9 to 5 behind any time soon remains to … Continue reading →The post Worst Money Moves for Retirement Planning appeared first on SmartAsset Blog.
  • How to Prepare Financially for a Freelance Career

    Rebecca Lake
    22 Apr 2014 | 11:30 am
    If you dream of leaving the 9 to 5 behind and making it big as a freelancer, it may be time for a reality check. While there are some definite perks to working for yourself, it’s not something you can … Continue reading →The post How to Prepare Financially for a Freelance Career appeared first on SmartAsset Blog.
  • 4 Reasons to Make the Switch to a Credit Union

    Rebecca Lake
    22 Apr 2014 | 9:30 am
    Switching banks can sometimes make sense, especially if you’re trying to pay less for banking services or get a better rate on a loan. With many banks hiking their fees to offset some of the losses associated with the economic … Continue reading →The post 4 Reasons to Make the Switch to a Credit Union appeared first on SmartAsset Blog.
 
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    Liberta

  • The answer is: 5 years

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

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

    Francois Viljoen
    23 Mar 2014 | 2:13 pm
    Many people have a weird obsession with homeownership. When it comes to buying a house, they are willing to overlook, or even completely throw out, a bunch of financial values and principles they claim to hold dear. The unfortunate truth is, for many middle-class folks, buying a house is often a very silly financial decision, […]
  • Oscar Pistorius Trial… We are so screwed

    Francois Viljoen
    10 Mar 2014 | 1:08 pm
    I thought it was only in America… … but then my girlfriend told me DSTV has a dedicated channel to cover the Oscar Pistorius Trial. I did a quick search and what do you know? It is true. Turns out the average South African middle class citizen is just as obsessed as the rest of […]
  • Economic Zombies

    Francois Viljoen
    25 Feb 2014 | 11:40 pm
    Via Monty Pelerin’s World, Common sense is all that is required to be a good economist. Unfortunately, in order to get your union card, you must pretend to have none. Belief in fairy tales like more spending and “free lunches” is also necessary. What Is A Zombie? Webster defines zombie as … a will-less and […]
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    Girls Just Wanna Have Funds

  • Is It Possible To Find Good Sample Business Plan Generators Online?

    Ginger
    13 Apr 2014 | 7:28 am
    Writing a business plan may seem easy, but that’s not necessarily the case, even for those who have experience writing proposals. Some budding entrepreneurs spend more than three months to write their business plans. However, there have been entrepreneurs who have never written a business plan but have still managed to become multimillionaires. So what does that mean? Can you do without a business plan? If you do need a business plan, how can put one together easily and quickly? Map It Out Business plans are meant to help fledgling business owners set up their business. However, every…
  • I’m a collection agent. Here’s how you get rid of me

    Ginger
    7 Apr 2014 | 5:55 am
    Let’s say you owe money.  This could be a medical bill, old cell phone bill or even a delinquent credit card balance that a lot of late right now.  Now you have an annoying collection agent calling you throughout the day and even on weekends and you find yourself screening every call that comes through.  You might as well have debt collector PTSD.  You hide from phone calls, avoid opening the mail, have nightmares about being yelled at by a debt collector – the whole thing is just a mess! Have you been there?  Maybe you have, it’s possible you haven’t.  But if…
  • Join The Fem-Pow!er Movement: Meet Me In DC!

    Ginger
    25 Mar 2014 | 5:55 am
    What’s a Fem-Pow!er Movement Event Like? You + Knowledge + Fun = Fem-Pow!er First, you’ll sit your awesome self down and have a nice continental breakfast while you listen to the CEO (Chief Empowerment Officer) introduce you to Fem-Pow!er and your speakers for the day.   Alex Elle, Author & Entrepreneur: Alexandra L. Smith, more frequently known as Alex Elle, has made an immense impact on women, both of her generation and beyond. She has quickly gained recognition for her candid, honest words, most notably in her acclaimed debut book, Words from a Wanderer. Alex is also a…
  • Manage Your Business Finances Like A Boss

    Ginger
    19 Mar 2014 | 5:40 am
    Getting ahead in business can often seem like being Alice trapped by the Red Queen. You need to run as fast as you can just to stay where you are, never mind catching a break and really pushing forward. However, while juggling stock inventories, staffing, market penetration and finance can be a hard task, there is a way to make life easier. Taking a serious look at your finances isn’t always about cutting back or shifting money to avoid over extending yourself. It’s just as important to streamline the way you keep track of your money. Having a consolidated, secure and easy access credit…
  • 6 Money-Saving Tips for Freelancers

    Ginger
    12 Mar 2014 | 5:55 am
    Working freelance has become an extremely attractive option for many. It presents many advantages, including the freedom to manage your time, the chance to earn more than what you can from a regular job, and choose the projects you work on. But with great freedom comes great responsibility—as we often hear—and freelancing also entails the need for discipline when it comes to managing your resources, such as time, and most especially, your finances. New technologies and innovation have given birth to an aggressively growing freelance market. However, freelance work still comes with a…
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    The Finance Buff

  • Elfcu HSA Still The Best Despite New Wire Transfer Fee

    Harry Sit
    21 Apr 2014 | 4:50 am
    In previous articles I said Eli Lilly Federal Credit Union (Elfcu) offered the best HSA for investing HSA money. I moved my HSA there. I documented the setup process in details in Setting Up HSA at Eli Lilly Federal Credit Union. New Wire Transfer Fee Reader John brought to my attention that Elfcu started a new wire transfer fee for transfers from the savings account to TD Ameritrade for investing. I logged into my account and lo-and-behold I see a fee change notice in the message center, which reads: Effective April 15th [2014], Elfcu will be assessing a $24.00 wire transfer fee for all…
  • Internet Retirement Police Rule Book

    Harry Sit
    16 Apr 2014 | 4:50 am
    The more I think about retirement, the more I realize it’s a very loose concept. You hear in the media how many Americans can’t afford to retire. If retirement itself isn’t very well defined, what exactly does it mean by saying someone can or can’t retire? Blogger Pete MMM was profiled in a Washington Post article Meet Mr. Money Mustache, the man who retired at 30. The article said he and his wife “retired from middle-income jobs [at 30] before they had their son.” Detractors say they didn’t retire. They just changed jobs, from engineering to home…
  • Find A Financial Advisor Outside Your Local Area

    Harry Sit
    14 Apr 2014 | 5:25 am
    While looking for a feature photo for my articles on using a financial advisor, I only found ones like this: The pictures show either a couple sitting across the table at the advisor’s office or the advisor coming to their home. The common phrase for working with an advisor is “sit down with an advisor.” Obviously it’s not saying you shouldn’t be standing up; it implies you should work with someone local. The popular lead-generation sites for fee-only advisors — NAPFA, FPA, Garrett Planning Network — all lead the search by your zip code, because most…
  • Save Money Or Make Money

    Harry Sit
    11 Apr 2014 | 5:25 am
    Starting next week, my weekly digest like this one will move to e-mail delivery only. I’m making this change because I want to populate the blog website with only full-featured articles. Regular articles will still be posted to the blog and included in the RSS feed. Current e-mail subscribers will continue receiving both new blog articles and the digest. No action is required on your part. If you are reading the blog articles in some other ways, I encourage you to switch over to e-mail subscription so you won’t miss the digest. If you prefer you can also sign up for just the…
  • 2013 and 2014 AMT Tax Brackets

    Harry Sit
    9 Apr 2014 | 5:28 am
    Up to the end of 2012, there had been news articles every year saying if Congress didn’t act how many millions of taxpayers would be caught by the Alternative Minimum Tax (AMT). Every year, Congress came to the rescue with a patch, saving those millions of taxpayers from the claws of AMT. They got tired of doing that. In January 2013, Congress passed American Taxpayer Relief Act of 2012, which permanently indexed the AMT for inflation, in addition to making most of the Bush tax cuts permanent. When Congress did the annual patches, they only adjusted one number: the AMT exemption amount.
 
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    Maximizing Money

  • URW Community Federal Credit Union $50 Referral Bonuses in Virginia

    Max Messner
    23 Apr 2014 | 12:14 pm
    The URW Community Federal Credit Union in Virginia offers a $25 bonus to both new and current members via their referral program. URWFCU membership is open to anyone who lives, works, worships, volunteers, or attends school in the City of Danville, Pittsylvania County, or Caswell County in Virginia as well as family and household members of current members. URWFCU will provide both the current and new member with a $25 bonus. How To Earn URWFCU $25 Referral Rewards 1. The new member must bring a completed URWFCU Referral Coupon into a branch when opening a new account in person, or the new…
  • Capital One Spark Business Checking Account $250 Bonus Offer

    Max Messner
    22 Apr 2014 | 9:45 am
    Capital One is offering a $250 bonus when you open a Spark Business Checking account by April 30, 2014. This offer is available in person at Capital One branches in Connecticut, Washington D.C., Delaware, Louisiana, Maryland, New Jersey, New York, Texas, and Virginia. How To Earn $250 with Capital One Business Checking 1. Just open a Capital One Spark Business Checking account by April 30, 2014. 2. Deposit at least $5,000 within 30 days of account opening. 3. Complete 1 online bill payment within 30 days of account opening. You’ll receive a $250 credit to your business checking account…
  • JackThreads Menswear Free $5 Credit and $10 Referral Rewards

    Max Messner
    22 Apr 2014 | 9:42 am
    JackThreads is a free online shopping club that offers street, skate, surf, and other contemporary men’s fashion brands at up to 80% off retail prices with new sales introduced on a daily basis. New JackThreads customers can get a $5 credit to use toward your first order when you sign up through a current member’s referral link. Plus, current JackThreads members can get a $10 referral credit for each new member that you refer who makes their first purchase. JackThreads Free $5 Credit for New Members Just sign up for free through this JackThreads $5 Referral Link to get an instant…
  • Starwood Preferred Guest Promotions – Earn Away for Triple Starpoints

    Max Messner
    21 Apr 2014 | 1:16 pm
    Review this list of the best Starwood Preferred Guest promotions for bonus Starpoints, free nights, and discounts on your SPG hotel stays. These SPG promotions are available on all eligible stays at any participating hotels and resorts in the Starwood Preferred Guest program including: St. Regis, The Luxury Collection, W, Le Méridien, Westin, Sheraton, Aloft, Element, and Four Points. Starwood Earn Away up to Triple Starpoints The Starwood Preferred Guest Earn Away promotion lets you earn up to triple Starpoints for stays from May 1st through July 31, 2014. You’ll earn double…
  • Hilton HHonors Surpass Card from American Express 75,000 Bonus Points

    Max Messner
    21 Apr 2014 | 1:15 pm
    The Hilton HHonors Surpass Card from American Express is offering a special promotion for 75,000 bonus points after $3,000 in spending within the first 3 months with a $75 annual fee. Alternatively, the Hilton HHonors Card from American Express is offering 50,000 bonus points after you spend $750 within the first 3 months, and there is no annual fee. Hilton HHonors Surpass Card 75,000 Bonus Points You’ll earn 75,000 Hilton HHonors bonus points when you make $3,000 in purchases within the first 3 months. This card does have a $75 annual fee, but if you take advantage of the bonus points…
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  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
 
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  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
 
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
 
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
  • add this feed to my.Alltop

  • Most popular athletes in each state

    23 Apr 2014 | 12:43 pm
    Most popular athletes in each state APA new map shows the most popular athletes in each state, based on how often their name is searched for on the Internet.See who cracked the listMore in sportsFlying octopus nearly hits goalieKid catches pass from Manning
  • Is new clue in jet hunt another dead end?

    23 Apr 2014 | 12:43 pm
    Is new clue in jet hunt another dead end?AMSAHopes were buoyed Wednesday after an object washed up on an Australian beach, while Bluefin-21 continued probing the ocean depths.Initial analysis of the materialMore newsDictator's childhood pics revealed JetBlue pilots vote to join union
  • Dad furious over TSA's actions with kids

    23 Apr 2014 | 12:43 pm
    Dad furious over TSA's actions with kidsGettyA man was outraged when his kids, ages 2 and 6, got pat-downs, but opinions on his video are mixed. Why TSA says it was 'necessary'Take a look JetBlue pilots vote to unionize Simple way to protect phones
  • Bieber says he's 'extremely sorry' for online photo

    23 Apr 2014 | 12:43 pm
    Bieber says he's 'extremely sorry' for online photoGettyThe troubled pop star posted a photo on his Instagram account, and after a major backlash, quickly pulled it down.Image that ignited the outrageMore news Strahan makes his 'GMA' debut' Trump criticizes Obama's walk
  • Grim find made on bodies being pulled from ferry

    23 Apr 2014 | 12:43 pm
    Grim find made on bodies being pulled from ferryAPDivers are reporting that many of the children's corpses recovered from the ferry have broken fingers.Reason they say so many have that same injuryMore on the sunken ferryDeath toll climbs past 150 Crew's acts of bravery surface
 
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    Bible Money Matters

  • 30 Quotes About Easter And Resurrection: He Is Risen!

    Peter Anderson
    20 Apr 2014 | 4:02 am
    Here are 30 quotes about Easter and the resurrection to help us to think about the meaning behind the day.The post 30 Quotes About Easter And Resurrection: He Is Risen! appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • FeeX Review: Are Fees Killing Your Investment Returns?

    Peter Anderson
    18 Apr 2014 | 12:56 pm
    FeeX calls themselves the "Robin Hood of Fees", and their goal is to help people avoid the "tyrrany of unfair fees" in their investments. Here's a review.The post FeeX Review: Are Fees Killing Your Investment Returns? appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • You Need A Budget 4 (YNAB) Is Now Free For College Students

    Peter Anderson
    16 Apr 2014 | 1:14 pm
    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.
  • Top 5 Lessons I Learned At FinCon

    Peter Anderson
    14 Apr 2014 | 7:10 am
    There were quite a few things I learned at FinCon last year. Here are my top 5 lessons learned .The post Top 5 Lessons I Learned At FinCon appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • My Top 5 Favorite Banks And Brokerages

    Peter Anderson
    10 Apr 2014 | 11:43 pm
    Today I thought I would give a list of the top 5 banks and investing companies that I actually use and have accounts with.The post My Top 5 Favorite Banks And Brokerages appeared first on Bible Money Matters and was written by Peter Anderson.Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • Why Should You Buy Disability Insurance?

    Jason Price
    21 Apr 2014 | 9:00 am
    A few years ago I realized the importance of having good disability insurance. If something were to happen to me, if I became disabled, and was unable to work, my family would face a significant financial hardship. According to David Bach, in his book Smart Couples Finish Rich, 60% of Americans lack any form of disability insurance. The reality is that my wife would have to go back to work and provide for me and our two children. But beyond trying to replace my current income, she might be responsible for additional healthcare costs and potentially place our children in a daycare when they…
  • 24 Excellent Scriptures about Business

    Bob
    18 Apr 2014 | 9:00 am
    It never ceases to amaze me how relevant the Bible still is even with some of the books being thousands of years old. Solomon said there is nothing new under the sun and he was right. Methods may change, but thousands of years ago people were still people dealing with issues just like we do. I did some digging to find some scriptures about business, because I want to do business the right way. So whether you are a business owner, an employee of a business, or just buy stuff from businesses (that covers just about all of us – right?) there is some wisdom to be received from these scriptures.
  • 10 Creative Easter Egg Decorating Ideas

    Bob
    16 Apr 2014 | 8:47 am
    It seems like until Pinterest came around, everyone decorated Easter eggs exactly the same way: with the vinegar and colored tablets. And while you can exercise a little creativity with that dye method, why not explore some other ideas for decorating eggs this year? These are some ideas that we found and be sure to let us know which ones you like best in the comments below! Washi Tape Easter Eggs Source: Pinterest Drizzled Easter Eggs Source: Pinterest Glittered Easter Eggs Source: Pinterest Hand-painted Easter Eggs Source: Pinterest Gold-penned Eggs Source: Pinterest Electrical Tape Eggs…
  • 6 Things You Can Buy That Will Pay for Themselves in a Year

    Bob
    14 Apr 2014 | 8:00 am
    I really get a kick out of doing little things that will pay big dividends. So each of these six items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that you can run out and buy everything mentioned here and actually be richer in a year! Yes, you are welcome! 1. “SmartStrip” Surge Protector If your computer setup is anything like mine you have an overflowing surge protector behind your computer desk that is powering all kinds of peripheral computer devices. This is where the SmartStrip starts to shine. Whenever you power down…
  • What Does “Storing Up Treasure In Heaven” Mean?

    Jason Topp
    11 Apr 2014 | 8:00 am
    What could be better than the American Dream? A steady job, money in the bank and a hefty 401(k) for retirement – coupled with a nice house in the ‘burbs, a white-picket fence, two kids and a dog, a swagger wagon for mom and a sedan for dad. Life couldn’t get any better than that, right? Isn’t There More to Life? I mean, do we just go through life trying to reach the next promotion so we can move into a better neighborhood with a better school system so our kids can do better than we have done? I often think about what Jesus might say regarding the American Dream. Would he…
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    PT Money

  • Should You Go to College or Start a Business?

    Emily Guy Birken
    17 Apr 2014 | 10:32 am
    It’s been almost four years since former PayPal Chairman and CEO Peter Thiel started the 20 Under 20 program—the controversial initiative that paid 20 college students up to $100,000 to drop out of school. Basically, Thiel’s initiative hoped to show that the best path to success is not necessarily through education (and its attendant debt burden), but through entrepreneurship and innovation. While none of the young entrepreneurs that Thiel sponsored back in 2010 have catapulted to success and business stardom, the actual question behind the initiative still seems to be a valid one: Is…
  • Small Business Finances: The Key Financial Pillars of Building a Start-Up

    Philip Taylor
    14 Apr 2014 | 12:58 pm
    Here’s a note from a reader: “…thank you for the information you provided on Entrepreneurship on Fire. I was deeply encouraged and felt led to contact you. I am a 24 year old entrepreneur, economics and finance major, former athlete. Recently I quit my IT sales job to focus on my a project I have been working on since December. My partner and I are launching the site in 6 weeks- online sports media business. Just wanted to ask a question- What are the key financial pillars of building a start-up?“ I would suggest a few things: 1. Create a partnership agreement and…
  • Time Management for Part-Time Entrepreneurs

    Emily Guy Birken
    7 Apr 2014 | 9:13 am
    Part-time entrepreneurs have the best and worst of both worlds. While they face less financial risk by keeping their full-time jobs while growing their business, they run up against the problem of time management. How do you find the time to grow your business when so much of your time is already spoken for? The secret to managing your time is all about using the time you have in the wisest possible way. Here are four tips for doing just that: 1. Know where your time goes. Managing your time is no different from creating a budget: your first order of business is to track your expenses. You…
  • Hawaiian Airlines Elite World MasterCard Review – 35,000 Bonus Miles

    Michael Pruser
    2 Apr 2014 | 6:00 am
    If I were to ask you to pick one state you would want to vacation in, which would you choose?  Sure, some might say Florida, California, even South Dakota if you’re a “I love monuments” kind of guy; but I think the overwhelming majority would exclaim HAWAII. Hawaiian Airlines has 29 different locations within the continental US which allow for flights to the Aloha state.  Not all of them are direct flights (unless you live on the West Coast, the only direct flight is from New York) and while the cost can be pretty expensive, a great way to defer flight fees would be to be…
  • Don’t be a Fool: Setup a Fee-Free Financial System

    Philip Taylor
    1 Apr 2014 | 5:30 am
    Did you get fooled this April Fool’s day? If you did, now is your chance to redeem yourself. Today I’m going to show you how to set up a fee-free financial system. Photo Credit: purplemattfish via Compfight cc Getting dinged with an unexpected fee can make you feel like a fool. And paying for something when there’s an equal and free alternative available, well that’s just foolish. Certainly don’t die on the hill of “all things free”. But we live in a time where you can get quite a few financial tools for free. So take advantage… Start with Free…
 
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    RetirementRevised

  • Social Security will resume mailing paper statements for some workers

    Mark Miller
    19 Apr 2014 | 9:40 pm
    Paper Social Security benefits statements, which used to be mailed out every year and then fell victim to budget cuts, are going to make a partial comeback. Starting this September, the Social Security Administration (SSA) will resume mailings at five-year intervals to workers who have not signed up to view their statements online, an agency spokesman told Reuters. The statements will be sent to workers at ages 25, 30, 35, 40, 45, 50, 55, and 60, he said, adding the agency would continue to promote use of the online statements. The SSA stopped mailing most paper statements in 2011 in response…
  • Long-term care: Why your location really matters

    Mark Miller
    17 Apr 2014 | 10:26 am
    Location, location location: Not only is it key to the value of real estate, it’s also a big driver of the cost of long-term care. A study of long-term care costs in the United States released this week shows that the cost of long-term services and support varies dramatically by location. For example, the national median cost of a private nursing home this year is $87,600 – but it’s $155,125 in Connecticut, $87,180 in Ohio and $57,487 in Oklahoma. “The differences are driven by general demand and supply of labor, the cost of living and level of affluence in a particular…
  • Time to raise – or scrap – the Social Security payroll tax cap

    Mark Miller
    15 Apr 2014 | 12:07 pm
    It’s Tax Day, and a small number of wealthy Americans will have something to celebrate: They’ll be done paying Social Security taxes for the year. The payroll tax that funds Social Security is levied only on a certain amount of income. This year it’s capped at $117,000. That means most wage earners will pay 6.2 percent of every dime they earn in 2014, but high earners will stop paying after passing the cap. If you’re among the 318,400 workers who will earn $407,000 or more this year, you’re done paying Social Security taxes today, according to the Center for Economic and Policy…
  • Considering retirement abroad? What you need to know

    Mark Miller
    11 Apr 2014 | 12:29 pm
    Are you thinking of retiring abroad? It’s a growing trend: the number of retirees, spouses and widows receiving Social Security benefit payments outside the U.S. rose 26 percent to 542,451 between 2006 and 2012, according to the Social Security Administration. And that figure likely understates substantially the number of retirees living abroad, since many retirees abroad simply withdraw their benefits from U.S. bank accounts. Retiring abroad can reduce the expense side of a financial plan in some cases – retirees can live comfortably on just $25,000 a year, according to Suzan Haskins…
  • Out of work and under 65? Here’s how to retool your retirement plan

    Mark Miller
    10 Apr 2014 | 9:02 am
    We reached a milestone last week when the government reported that the U.S. economy has regained all the jobs lost during the Great Recession. Yet for many older workers the recession never ended; long-term joblessness has morphed into de facto premature retirement. Now, millions are performing financial triage on retirement plans that had been based on assumptions of working longer. The overall job market does look promising, and on the surface, the outlook for older workers doesn’t look bad. The jobless rate for workers over 55 was 4.7 percent last month, well below the national rate…
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    The Financial Blogger

  • What is The Best Emergency Fund?

    The Financial Blogger
    15 Apr 2014 | 3:00 am
        It may sound like a financial planning topic but this is only common sense: you need an emergency fund. If you are young and starting your career; you need an emergency fund to cover for a job loss. You have a young family and a mortgage; you need an emergency fund to cover a broken washing machine. You grow older, don’t have any debts; you still need an emergency fund to cover for healthcare. As you can see, all your life, you will need an emergency fund.   HOW MUCH SHOULD BE IN AN EMERGENCY FUND?   In financial planning, we often talk about 3 to 6 months worth of…
  • How I earned a second paycheque in my spare time

    The Financial Blogger
    8 Apr 2014 | 3:00 am
      This is a guest post from a blogger fella Robb Engen. After some discussion, I realized that he was running several online gigs on the side and his wife has even stopped working! He would definitely qualify for my post “Successful Double Income Stories That Don’t Lead to Quitting Your Job.” Enjoy!   One thing I’ve always admired about Mike is that he has managed to negotiate a four day work week so he could devote more time to his side business.  He’s struck the perfect balance between entrepreneurship and a steady paycheque. I don’t have a four day work week but I…
  • Private School is the Way to Go – Public School….

    The Financial Blogger
    3 Apr 2014 | 3:48 am
      I just had a very interesting discussion about money with my partner not so long ago. He is the only guy on earth with whom I can discuss this incredibly taboo topic of sex money!  We both know each other’s salary, bonuses, net worth, debt level, etc. We don’t judge and simply share.   Sometimes it is quite a relief as I couldn’t tell anybody about my financial situation (besides you guys, but it’s not like a real face-to-face discussion!).   I was telling him how my saving plan was going to fund my children’s private education. I opened a TFSA last year and…
  • Successful Double Income Stories That Don’t Lead to Quitting Your Job

    The Financial Blogger
    1 Apr 2014 | 3:00 am
        We often read on the web about dotcom moguls who quit their job to live free and happily in the marvelous world of internet. For a while, I was skeptical about these crazy stories until I met a few of these bloggers personally. Still, I can totally understand why some of you are not too convinced it’s possible to literally live from your computer.   I recently dug into my network to find people who actually decided to increase their income and live a better life by creating a lucrative sideline. Through these five stories, I want to show you how it is possible to put your…
  • Index Investing; Is It Always Better Than Mutual Funds?

    The Financial Blogger
    27 Mar 2014 | 3:04 am
        Sometimes, I have the feeling that people think that managing their investments is as easy as making a peanut butter sandwich in the morning…   From what I’ve read in the financial industry for the past ten years, high management fees (called MERs) charged on mutual funds hurt a small investor’s portfolio. In fact, if we look at the Canadian industry, most investors pay about 2% (and sometimes more!) to invest in mutual funds. In other words, if you invest $1,000 and your fund make 5%, you only earn $30. The other $20 is paid to the mutual fund company to cover their…
 
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    Intelligent Speculator

  • Passive Income Update – April 2014

    IS
    23 Apr 2014 | 2:00 am
    When we hear about being a millionaire, it’s generally meant in terms of net worth but that certainly brings a new dynamic to those of us that have a significant part of their net worth in their house. It’s something I can worry about at some point down the road but it’s safe to say that I’ll reach the $1M in net worth a few years before getting $1M in investable assets. Why Do I Post This? The main reasons why I post this monthly account of my passive income are to keep myself accountable and also establish a clear process where I can build and track my journey.
  • My Live Long & Short Trades & Closing 1 Of Them

    IS
    21 Apr 2014 | 2:00 am
    I love writing on this blog and over the time what I’ve been writing about has changed significantly but one thing has remained. Mondays are my favorite day because I’m usually able to open a new long & short tech trade. I started last weekend with that exact intention once I saw I’d have a free spot. Unfortunately, as sometimes happens, I didn’t find a trade that I felt good about. A few years ago, I would have forced myself to find one but I’ve learned the hard way that those usually don’t work out. Just as a reminder, when looking for possible…
  • Weekend Readings

    IS
    18 Apr 2014 | 9:07 am
    Ahhh it’s about time, but I think winter and cold weather is finally behind us. I can’t tell you how big of a relief that is for me;) In the meantime, here area few interesting readings that you will hopefully enjoy:) General Readings -Interview with legendary investor Fred Wilson @ BusinessInsider -The new venture landscape @ K9Ventures -Clean coal is the future @ Wired Dividend & Passive Income Readings -Top 20 most powerful dividend stocks to buy @ TheDividendGuyBlog Tech Stock Readings -Google buys drone maker @ TechCrunch -Google getting good at lobbying @ WashingtonPost…
  • The Stock Market

    IS
    17 Apr 2014 | 3:15 am
    The other day I ran across this quote which is one of my favorite ones about the markets: “In the short run, the market is a voting machine but in the long run, it is a weighing machine.” ― Benjamin Graham I strongly believe in that concept. One clear question though is what the “short run” represents. I’d argue that over  few days or even a few weeks, stocks move mostly based on how “popular” they are but if a stock stays “out-of-value” for too long, a longer term fund or asset manager will end up buying or taking a short position. That is…
  • The Biggest Battle Yet For Ecosystems ($AAPL, $GOOG, $FB, $MSFT, $AMZN)

    IS
    16 Apr 2014 | 2:00 am
    As i continue to be fascinated by the ecosystem battle that is raging on, it is becoming very clear that there will not be one winner that will take the whole market. Instead, we will have a few strong players that have dominant ecosystems and specific apps will be dominated by players no matter what the ecosystem is. Some of those battles already have clear winners: -Social: Facebook (FB) -Search: Google (GOOG) -Mobile O/S: Apple (AAPL) and Google (GOOG) -App stores: Apple (AAPL) and Google (GOOG) -Maps: Google (GOOG) -Online Commerce: Amazon (AMZN) -Physical Shipping: Amazon (AMZN) -Online…
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    Don't Quit Your Day Job...

  • How Long Should Debt Be a Responsibility?

    PK
    23 Apr 2014 | 5:15 am
    We became aware of a particularly interesting Government policy about 2 weeks ago (along with the rest of America) when the Washington Post wrote about the Social Security Administration attempting to collect debts that were generations – quite literally – removed. Am I My Father’s Keeper? For the first time in the history of the internet, that word ‘literally’ was actually used literally: the outrage at the SSA manifested itself because the Washington Post highlighted debt collections from overpayment to fathers and mothers(!).  Notably, the lady featured in…
  • How Much Did You Save in 2013?

    PK
    21 Apr 2014 | 5:10 am
    Some of our longer term readers enjoy this time of year on DQYDJ, because we post a Personal Finance article actually directed inwardly – namely, an expose of the PK household spending habits. We appreciate being held accountable on this front – it’s hard to trust random voices on the internet, so only by looking at results and history can you truly level a fair judgement.  We wouldn’t want you to blindly trust us if we were secretly part of that oh-so-annoying “fake it until you make it” crowd. So, today we share wit you and we ask: how much did you save…
  • The DQYDJ Weekender, 4/19/2014

    PK
    19 Apr 2014 | 8:53 am
    A reminder – you can get me in audio form too!  Catch the recent episode of Stacking Benjamins, where I talk about Dollar Cost Averaging. So, we’re pretty annoyed about this whole Census Bureau changing their health insurance questions thing. You know, especially considering that the Census Bureau’s director started reporting to the White House for the first time in 2009.  You know, because the major ACA provisions go into effect this year, and 2013 isn’t a good baseline since some minor provisions (say, 26 year olds on parental plans 2011) already went into…
  • A Visualization of IRS Collections Since 1960

    PK
    17 Apr 2014 | 2:15 am
    On this page is a visualization of the sources for tax revenue collected by the IRS between fiscal years 1960-2013 in the United States. All data in the visualization comes from the IRS’s 2013 Data Book. Apologies to our cell phone readers – you should view this on a tablet, laptop, or desktop (or something with a big screen).  If you’re in a Reader, please click through for the whole effect.  IRS Tax Collections By Year, 1960-2013 Note that we ignored the time-frame switch in 1976 by dropping that data from the visualization. Read the data book for more information. All…
  • Oh, Your House? It Was a Bad Investment.

    PK
    14 Apr 2014 | 5:15 am
    In this article, we present a Home Investment Calculator.  We estimate median values and actual returns for any of 356 American Metropolitan Statistical Areas in an attempt to tell all of our American readers exactly how well their homes have performed as an investment. Real Estate Return Calculator For those of you reading this on feed readers or through other non-traditional methods of DQYDJ consumption, please click through to use this calculator. Estimated Values – We automatically populate 356 Metropolitan Statistical Areas, and attempt to guess the values of median homes at the…
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    Quizzle Wire

  • Your Credit Score and Your Car Loan

    Stephanie Halligan
    23 Apr 2014 | 6:00 am
    If you’re in the market for a new car, you probably have a couple numbers on your mind: the mileage, the price of the car and the monthly payment. But the one number you may not not be thinking about that could seriously impact how much you pay for your new ride? Your credit score. Unless you’re paying for a car with straight-up cash, you’ll like have to shop around for a car loan. And your credit score will impact what kind of rate you can get on your auto loan – or even whether you’ll qualify for a loan at all. Just how does your credit score impact your auto loan? Like other…
  • The Effects of Divorce on Your Credit Score

    Cathy
    22 Apr 2014 | 8:15 am
    In many marriages, one spouse pays little to no attention to the household finances. But if the marriage is coming to an end, both spouses need to be concerned because divorce can have a substantial impact on both of their credit ratings. The act of divorce itself doesn’t impact your credit. But divorce is rife with financial issues, and the division of assets and debts can have a huge impact on the credit history of both you and your spouse. Perhaps the main impact of divorce on credit involves joint accounts. A divorce decree will spell out who is responsible for which accounts, but…
  • Make Quarterly Tax Payments Electronically

    Miranda Marquit
    21 Apr 2014 | 12:00 pm
    Now that Tax Day is passed, it’s a good time to take stock of your situation, and make arrangements to be better prepared for next year. One of the ways you can do this is by setting up quarterly payments if you own a business or are self-employed. As Forbes reports, the IRS is with the times, making it easy for you to pay your tax bill four times a year, as is expected of you. There’s no reason to make your quarterly estimated tax payments with the help of vouchers and checks and trips to the post office. Instead, you can use the Electronic Federal Tax Payment System (EFTPS) to manage…
  • Why a Credit Card Can Be a Good Idea

    Miranda Marquit
    21 Apr 2014 | 6:00 am
    Many of us are used to thinking of credit cards as evil. And it’s true that carrying credit cards and using them too freely, without a plan for paying off the balances, can lead to crushing high-interest debt. However, having a credit card doesn’t have to lead to debt bondage. With the right mindset, a credit card can be a good idea. With the right approach, a credit card is just another financial tool. Convenience First of all, a credit card is convenient. It’s much more convenient to carry a card than it is to carry a wad of cash. When you travel to other countries, a credit card is…
  • Quizzle Top 5 Weekly Must-Reads – April 20, 2014

    David Quilty
    20 Apr 2014 | 6:00 am
    A collection of Quizzle’s Must-Read Articles for the week ending April 20, 2014: First Baby? Here are 4 Products Worth Splurging On Just like any other purchases, some baby gear is worth the investment, while some will clutter up the nursery until you have a yard sale a decade later. Getting in shape without paying a dime Using body weight and leverage is possible to put stresses on the body that would correspond to a couple of hundred pounds in the gym. Why You Need To Tackle A Difficult Task Today If you’ve been putting off a difficult task for any length of time, then putting it…
 
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    Get Out of Debt Guy

  • The Scott Law Group Adds Lexxiom and The Iniguez Law Firm to List

    Steve Rhode
    21 Apr 2014 | 11:00 am
    The Scott Law Group out of Washington State has added two new companies to their list of companies they are pursuing. According to tracking, the firm added Lexxiom, Inc. and The Iniguez Law Firm, PC to their list here on April 17. Get Out of Debt Guy – Twitter, G+, Facebook I can always use ... Read the full article at The Scott Law Group Adds Lexxiom and The Iniguez Law Firm to List
  • Consumer Rights Help Center – Consumer Complaint – April 21, 2014

    Steve Rhode
    21 Apr 2014 | 10:55 am
    Consumer Statement: My husband and I have been scammed by a company in California named CR Help center: www.crhelpcenter.com. The owners name is Scott Brown in Temecula CA. They took money up front for a loan mod. They say in their contract that the money is collected after the work is done. This is a ... Read the full article at Consumer Rights Help Center – Consumer Complaint –...
  • How Do I Deal With This Old Debt from the Collection Agency? – Tai

    Steve Rhode
    21 Apr 2014 | 10:49 am
    “Dear Steve, A collection agency is reporting that I opened a credit card in 2011. I was actually totally unable to get credit by 2011 because in graduate school I became unemployed and had some serious financial problems. I think this is a debt from 2004. Is there anything I can do about this? Thanks ... Read the full article at How Do I Deal With This Old Debt from the Collection Agency?...
  • Dirty Dozen Credit Card Debt Strategies If You’re Laid Off


    Guest Post
    21 Apr 2014 | 10:20 am
    Layoffs are happening at big name companies like IBM, JPMorgan Chase, La-Z-Boy, and Sony, as well as family-owned businesses. You’re not alone if you’ve been blind-sided by a layoff. Or you may have some advance notice. Either way, losing your job can trigger feelings of unworthiness, powerlessness and lack. (Three of the big six core ... Read the full article at Dirty Dozen Credit Card Debt...
  • Free Student Loan Money for Veterinarians

    Steve Rhode
    18 Apr 2014 | 9:26 am
    The National Institute of Food and Agriculture, USDA, has announced there is money available in fiscal year 2014 for their Veterinary Medicine Loan Program (VMLRP). Veterinarians eligible must serve in two ares: (1) geographical areas that the USDA Secretary determines have a shortage of veterinarians; and (2) areas of veterinary practice that the Secretary determines ... Read the full article at...
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    About.com Financial Software

  • Webby Awards Nominees: Financial Online and Mobile Apps

    17 Apr 2014 | 3:37 am
    There are just a few more days left to cast your People's Voice votes in the 18th Annual Webby  Awards, which honor the most useful and cool websites and mobile apps of the year.  I've outlined the nominees in the Banking Financial Services Websites and Real Estate Websites and Mobile Apps categories here in 2014 Webby Awards for Personal Finance Websites and Mobile Apps. There are two links to the voting in the article, and although I explain the financial websites and apps that have been nominated, you can vote for any category using one of those links....Read Full Post
  • 4 Best iOS Apps for Easy Home or Apartment Search 2014

    16 Apr 2014 | 12:18 pm
    The best apps for finding a home or apartment on your iPhone, iPad or iPod Touch include the dependable "old timers", Trulia and Zillow, which have real estate and rental apps. You'll want to check out the comparatively new Movoto or Homesnap apps if you're in the market to buy a home. Movoto connects you with vetted real estate agents, and Homesnap gives you info after you snap a photo of a property that's for sale (how cool is that?)....Read Full Post
  • How to Avoid Paying Income Taxes with Your 2014 Return

    15 Apr 2014 | 10:10 am
    Had to pay income taxes with your return this year? You don't have to next year, and the IRS is providing an of online app to help with that....Read Full Post
  • 2014 Best Android Real Estate and Rental Apps

    15 Apr 2014 | 7:32 am
    Here are my annual top picks for the best apps to help you with your home or apartment search on your Android mobile device. While all of these apps help with rentals as well as home purchases, renters need to check out the Lovely app....Read Full Post
  • 10 Minutes or Less to Get a 6 Month Extension on Filing Taxes

    14 Apr 2014 | 9:32 am
    You have until midnight tomorrow, April 15, to file your income tax return if you haven't already done so.  If you have a simple return and about 30 minutes to spare, use the free or basic version of online tax software to complete and e-file your return....Read Full Post
 
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    Credit Card Chaser

  • The Risks of Credit Card Churning

    Alice
    18 Apr 2014 | 3:20 pm
    Everyone wants to rack up their rewards to earn free flights, hotel stays, cruises, and discounts. And travel credit cards give consumers the opportunity to get these rewards fast. Many of these cards even have special introductory offers, allowing cardholders to earn thousands of free frequent flier miles as part of the sign up bonus. In the hopes of earning more rewards, consumers have started churning credit cards. This is the process of opening multiple credit card accounts to earn the introductory travel bonuses, then closing these accounts soon afterwards to avoid any fees. Oftentimes,…
  • How to Lower Your Credit Card Interest Rates

    Alice
    11 Apr 2014 | 3:44 pm
    Are you paying too much interest on your credit card? If you have high interest rates, you may want to consider calling your credit card company. A quick phone call to your credit card issuer can end up saving you hundreds of dollars in interest charges. And although it may seem too good to be true, simply calling your issuer and asking for a lower interest rate can work. In many cases, your credit card issuer will be more than happy to please you to keep your business. Many consumers end up dealing with high interest rates for years, just because a card may seem fixed. And it can be quite…
  • Spring Cleaning Your Finances

    Alice
    7 Apr 2014 | 9:02 am
    It’s spring, and that means spring cleaning! Time to start going through the house, getting rid of old things, and cleaning from top to bottom. And with all the dusting, scrubbing, and organizing going on, you probably haven’t thought much about your finances. But your finances may need some cleaning too. By simply going through your finances and organizing them, your finances, along with your house, can have a fresh start this spring. Here are some easy ways to organize and set yourself up for financial success: Organize your spending, and make a budget if you don’t already have one.
  • How Can I Get the Best Credit Card for Me?

    Alice
    21 Mar 2014 | 3:59 pm
    From great rewards to special promotions and easy approvals, each credit card has its own thing. And with hundreds of credit cards to choose from, it can be hard to make the right decision. So, before you choose just any credit card, do your research. Although the flashy advertisements may make a certain card more appealing than others, that card may not have the best deal for you. By making sure that you understand the following, you can get the best credit card for you. First, it is important to pick a card that is right for you. Do you travel a lot? Do you spend a lot of money on gas and…
  • Citi ThankYou Preferred Card for College Students – Earn 2,500 Bonus Points

    Logan
    20 Mar 2014 | 11:34 am
    The Citi ThankYou Preferred Card for College Students – Earn 2,500 Bonus Points is a new credit card from Citi geared towards college students. Overview of Benefits The Citi ThankYou Preferred Card for College Students – Earn 2,500 Bonus Points allows student cardholders to earn 2,500 bonus ThankYou Points after they spend $500 in the first 3 months that they have the card. In addition, cardholders earn 2 ThankYou Points for each dollar spent on purchases at restaurants and on entertainment, and 1 ThankYou Point on purchases anywhere else. Citi ThankYou Points never expire, and…
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    Ready To Be Rich

  • 5 Questions That Will Help You Discover Your Passion and Calling in Life

    Fitz
    22 Apr 2014 | 5:37 pm
    Finding your passion is important if you want to be a successful entrepreneur. Well actually, finding your passion is important if you want to be successful, period. So how do you know your passion? How do you discover your calling in life? Asking these five questions will certainly help. Does it hurt inside if you’re […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: 5 Questions That Will Help You Discover Your Passion and Calling in LifeHelp your kids become Money Smart: Click here to enroll them in the…
  • Mr. Skeptic and Mr. Optimist: A Business Story

    Fitz
    20 Apr 2014 | 1:01 pm
    This is the story of two friends, Mr. Skeptic and Mr. Optimist. They both want to start a business, but they don’t know how and where to begin. So they went to Mr. Entrepreneur and asked him… “What’s a good business to start today?” — This is Mr. Entrepreneur’s answer: It all depends on what […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: Mr. Skeptic and Mr. Optimist: A Business StoryHelp your kids become Money Smart: Click here to enroll them in the Money Smart Kids…
  • I’m Giving Away Tickets to Randell Tiongson’s ICON 2014

    Fitz
    19 Apr 2014 | 12:26 pm
    Yes, I’m giving away tickets to Randell Tiongson’s ICON 2014, so read on to find out how. But first, what is this event about? Now on its second year, this conference is an opportunity for you to transform from being a spender to saver to investor. My good friend and financial planning mentor, Randell Tiongson, […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: I’m Giving Away Tickets to Randell Tiongson’s ICON 2014Help your kids become Money Smart: Click here to enroll them in the Money…
  • Think, When You Were Still a Kid…

    Fitz
    15 Apr 2014 | 1:38 pm
    Think, when you were a KID. Everything was POSSIBLE. You put a BLANKET over your back, then you became SUPERMAN. You take your mom’s BROOM and ride on it, then you became a WITCH. You climb up the TREE, not knowing that you might fall. You simply MADE IT. You just had an IDEA and […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: Think, When You Were Still a Kid…Help your kids become Money Smart: Click here to enroll them in the Money Smart Kids Workshop.
  • How To Know If You’re Ready to Start a Business

    Fitz
    13 Apr 2014 | 2:00 pm
    Many people dream of starting their own business, but unfortunately only a few are able to do so. The reasons vary – from having no business idea, to lack of startup capital; from having no time, to just being too scared of failure. In short, a lot of them delay becoming an entrepreneur because they […]Note:This preview is to inform you that there's a new post over at Ready To Be Rich. You may now read the full article here: How To Know If You’re Ready to Start a BusinessHelp your kids become Money Smart: Click here to enroll them in the Money Smart Kids Workshop.
 
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    Cash Flow Planning for Life

  • 4 Tips for Business Year-End Tax Planning

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

    Mark
    26 Mar 2014 | 9:45 am
    When you are reviewing your personal income taxes, it’s important to know all the tax deductions you qualify for. This is the second installment of 16 Year-End Tax Tips for 2013 which can also be downloaded from our eBook library. Here are six tips to consider: Tip #1: Go Green! Installing certain energy saving devices in your personal residence may qualify you for a tax deduction. This may include devices such as solar energy systems, small wind turbines, geothermal heat pumps, and Energy Star appliances (if they qualify). You can deduct up to 10% of qualified expenses, up to a maximum…
  • 6 Tips to Recover the “Not-So-Common” Charitable Deductions

    Mark
    5 Mar 2014 | 10:30 am
    Do you like to give back to your community or help those in need? Although you can’t deduct the value of your time or the effort you spend on behalf of any charity, you can deduct donations and actual out-of-pocket expenses you incur. Tracking these expenses, like transportation, can generate a nice tax deduction. This is the first installment of 16 Year-End Tax Tips for 2013 which can also be downloaded from our eBook library. You do not need to be a board member to qualify for charitable deductions. Here are some deductions affiliated with charitable work that you may not be aware of:…
  • 16 Year-End Tax Tips That You Should Know

    Mark
    13 Feb 2014 | 11:45 am
    It’s that time of the year again. Time to work on your taxes. Have you reviewed your tax deductions? Getting the correct paperwork together and knowing what expenses can generate a tax deduction can take time. Trying to figure out what deductions you qualify for can be stressful. However… …taking the time to research the deductions can be worth it. Having a guideline to direct you can help. At Makara & Associates, we are offering a new eBook: 16 Year-End Tax Tips for 2013, which will guide you through sixteen tax tips you may want to consider. In the next few months, we’ll…
  • Financial Planning – “2013 and Beyond Tax Planning”

    Mark
    23 Jan 2014 | 1:00 am
    Tax planning and investment planning are important to your financial future. Staying on top of your financial plan and meeting with your tax and investment advisor more than once a year are beneficial steps to take now to… …save you tax dollars and increase your cash flow. My FREE eBook, “2013 and Beyond Tax Planning”, is geared to help you understand the spreading of income and expenses as a new method for both tax and investment financial planning. Here are the topics the eBook reviews: What’s Going to Expire? Investment & Tax Planning for Your Portfolio(s) Estate,…
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    JoeTaxpayer

  • 2015 Federal Budget – Extending the Exclusion From Income for Cancelled Mortgage Debt

    Joe
    19 Apr 2014 | 4:00 am
    For as long as I could remember, a cancelled debt came with a tax bill. If you defaulted on a loan, the discharged debt amount was treated as income and taxed at your marginal rate, i.e. simply added on top of your income and taxed. Soon after the housing crisis of 2004-5, congress passed a waiver so those who lost their homes didn’t find insult after injury, and were not taxed on their discharged debt. The new proposed code will extend this rule until the end of 2017, presumably long enough for those in difficult economic times to get back on track. In theory, I think this forgiveness…
  • 2015 Federal Budget – Extending the American Opportunity Tax Credit

    Joe
    18 Apr 2014 | 4:00 am
    The American Opportunity Tax Credit is a College Tuition benefit. Specifically, Taxpayers may claim an AOTC for 100 percent of the first $2,000 plus 25 percent of the next $2,000 of qualified tuition and related expenses (for a maximum credit of $2,500) per student. This is not a deduction, but a credit, in effect, you are being handed $2500 towards the first $4000 in college expenses. As with many such benefits, this one is phased out for singles with AGI from $80K to $90K and for joint filers with AGI from $160K to $180K. The AOTC overlapped with the Hope credit and Lifetime Learning…
  • 2015 Federal Budget – Increasing Standard Mileage Rates for Charitable Driving

    Joe
    17 Apr 2014 | 4:00 am
    There are times that you can deduct the cost of operating your car, and more specifically, write off the mileage you’ve driven for particular reasons. From the IRS site, above is a brief summary. You can see the disparity between what you can deduct for miles driven for business vs medical, moving, and charity. Strangely, the deduction for charity is not currently indexed to inflation, and requires a specific change authorized by congress. It’s been stuck at 14 cents per mile for a very long time.  The budget proposal would change the rate for charitable driving to the same rate…
  • 2015 Federal Budget – Simplify Required Minimum Distribution Rules

    Joe
    16 Apr 2014 | 4:00 am
    This proposed change to the tax code is a simplification, but at what cost? One bit of the proposal offers to eliminate RMDs on retirement account that are worth less than $100K. A good thing, I suppose, although those with a low IRA balance are also likely to be in such a low tax bracket that the withdrawal wont be a burden. The next part of this change is add RMD requirements to the Roth IRA. I have mixed feelings about this. One view is that retirement accounts are meant for just that, retirement. These accounts have morphed into estate planning tools, especially for those of modest means.
  • 2015 Federal Budget – Limiting the Size of Retirement Accounts

    Joe
    15 Apr 2014 | 4:00 am
    We continue our look at the proposed 2015 Government Budget, and today it’s one that is bound to impact people by surprise. The proposal itself may seem well intended, at face value, it puts a limit on what one can accumulate in their retirement accounts. In light of the Mitt Romney $400M IRA, such proposals have gotten public approval. To be clear, it’s not the spirit of the proposal that I object to, but the math behind its implementation. Let me first offer the limits and how they will be calculated. First, an annual benefit of $210,000 has been deemed enough. For a single…
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    Simplified Saving

  • My Goals for the Week {4/14/2014}

    Lisa Thompson
    14 Apr 2014 | 8:46 am
    I’ve literally been in survival mode for the last month, but I need to get my life back on track!  With that in mind, my goals are a little bit different than usual, but hopefully this will get me moving in the right direction. Family/Homemaking Goals 1. Read 6 chapters of The Boxcar Children to the twins. 2. Make bed and do 1 full load of laundry every day. 3. Go through 10 bins in the garage. This should hopefully help me get the 11 bags I still need for the 40 Bags in 40 Days challenge. Personal Goals 4. Exercise 5 times. 5. Drink 3 liters of water per day. 6. Be in bed by 10:00…
  • 5 Tips for When You Feel Overwhelmed

    Lisa Thompson
    14 Apr 2014 | 7:10 am
    The past 6 months have been seriously hard.  The past 8 weeks have been the hardest of my life.  During this time I’ve felt extremely overwhelmed.  Without going into details, here’s a brief overview of the last 6 months. 10/1 – Adoption of the twins finalized 10/8 – We decide to homeschool our son since he is extremely behind academically and is exhibiting behavior problems at school (Hubby and I both work full time, but we work from home so we juggle our schedules to make this work). November – Basketball season begins and we have lots of late nights with…
  • Mabel’s Labels: Save $2 on the Limited Edition Camp Combo

    Lisa Thompson
    9 Apr 2014 | 1:28 pm
    As a mom of 4, my life tends to be busy year round.  But summer is busiest of all!  The kids are out of school, we have various camps, our daughter K plays travel basketball and then throw in a family reunion and some other vacation and life is officially insane.  With camp season just around the corner, you’re probably already scrambling to sign your kids up (or trying to find 10 extra jobs to pay for all the crazy camp fees) and soon you’ll be sorting through the piles of sunscreen, swimsuits and sneakers. If you want to help your kids be a little more organized and if you…
  • Crazy 8 Sale

    Lisa Thompson
    9 Apr 2014 | 1:16 pm
    This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.  Warmer weather is quickly approaching, but not as quickly as your kids grew out of last year’s clothes! I’ve been going through the twins spring and summer clothes and I can’t believe how much they’ve grown! It’s time to start stocking up on this season’s styles for spring. Luckily, Crazy 8 is offering 20% off markdowns so your kids can get everything they need (and some they don’t!) without cleaning out your wallet. That’s up to…
  • Kiwi Crate: Creativity Kits for Kids

    Lisa Thompson
    9 Apr 2014 | 12:39 pm
    I love being crafty and it’s one of my favorite activities to do with the kids!  Even though my craft room is in our boring basement with concrete floors and cinder block walls, it’s still one of our favorite places to be in the house! While I love crafting, sometimes after a long day of work, figuring out what to make with the kids can be overwhelming! Thankfully there is Kiwi Crate! Kiwi Crate is an award-winning, monthly subscription service that provides all the hands-on materials to inspire creative, educational fun. With themes like Music, Color, Robots, and Safari, these…
 
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    Personal Dividends Money+Lifestyle

  • 5 Money Making Ideas You Can Do in Your Pajamas

    Tom Drake
    22 Apr 2014 | 5:00 am
    What if you could make a little extra money each day, without getting dressed? Who doesn’t love the idea of making money in their pajamas? If you are looking for some money making ideas that can be done easily, no matter what you are wearing, here are 5 activities to explore: 1. Freelancing If you have some skill that lends itself well to freelancing, this can be a great way to make money in your pajamas. Some of the things you can do on a freelance basis include: Writing Graphic design Web development Software development Coding Offer your skills as a freelancer, and you could get a…
  • Are You Teaching Your Child About Money?

    Miranda Marquit
    17 Apr 2014 | 5:00 am
    One of the most important things you can do for your child is to teach him or her about money. A good financial foundation now can lead to better success with money later. Recently, Citi publicized the results of a survey of U.S. adults and the way they teach their kids about money. The results are interesting, and offer insight into how parents are preparing their children for the future. Parent-Child Financial Education Activities According to the survey, close to 90 percent of parents are already teaching their kids about money. This is encouraging, although about 70 percent of the…
  • Get Ready to Enjoy the Coming Lunar Eclipses

    Miranda Marquit
    14 Apr 2014 | 5:00 am
    When I was younger, my dream was to be an astronomer or an astrophysicist. This dream followed after the reality set in that my chances of becoming an astronaut were relatively slim. Even now, I still love looking at the sky. I have been known to lay outside on the grass for hours, watching the night sky change. I’ll even sit outside in freezing temperatures to watch for meteors or just enjoy the stillness that comes with a diamond-laden sky. What’s cool right now is that we are coming up on what is known as a lunar eclipse tetrad. For the next two years, there will be a lunar…
  • Are You Keeping Up With the Joneses – Or With Their Debt?

    Miranda Marquit
    10 Apr 2014 | 5:00 am
    The latest information from the Federal Reserve indicates that credit card debt is on the rise again. In the years directly following the financial crisis, many consumers reduced their debt load. Household debt – including credit card debt – fell. However, that is not the case anymore. As the economy slowly recovers, it is clear that many consumers feel more comfortable with spending again. And that spending is often done with debt. Now that people feel a little safer about the situation, they are more willing to take on debt. The latest report on household debt from the Federal Reserve…
  • How to Reduce the Impact of Jet Lag

    Miranda Marquit
    8 Apr 2014 | 5:00 am
    When you travel across time zones, jet lag can be a very real concern. However, it doesn’t always have to cause you serious problems. If you are interested in reducing the impact of jet lag, here are some strategies that can help: Drink Plenty of Water One of the best things you can do for your body in almost any circumstance is to drink plenty of water. This applies when you fly as well as in almost any other circumstance. Staying hydrated can help you cope with most situations, and help you get over jet lag a little easier. You can’t bring a full water bottle through security, but it is…
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    Benzinga Feeds

  • Possible Bearish Head & Shoulder Pattern On The NASDAQ?

    Gary Kwapik
    23 Apr 2014 | 12:38 pm
    The recent downturn in the markets has traders looking at all possibilities of chart patterns. Looking at the NASDAQ chart the recent sell off has one wondering if this is a negative pattern shaping up in this index. So the question is will the index resume its five year bull market? Or break the neckline and drop into a good old correction?
  • Facebook Earnings Preview: Reassurance Required After M&A Heavy Quarter

    Jayson Derrick
    23 Apr 2014 | 12:21 pm
    Facebook (NASDAQ: FB) will report its first quarter results on Wednesday after market close. The social media giant is expected to earn $0.24 per share on revenue of $2.34 billion. Facebook last reported its quarterly results on January 29, in which the company earned $0.31 per share and beating the consensus estimate of $0.27.
  • Apple Earnings Preview: Will iPhone Sales Disappoint Investors?

    Jayson Derrick
    23 Apr 2014 | 11:53 am
    Apple (NASDAQ: AAPL) will report its second quarter results on Wednesday after market close. Apple is expected to earn $10.13 per share on revenue of $43.55 billion. Apple reported its first quarter results on January 27 when its earnings of $14.50 per share blew past the consensus estimate of $14.09.
  • Home Sales Data Hits Homebuilder ETFs

    David Fabian
    23 Apr 2014 | 11:04 am
    On Wednesday, the U.S. Commerce Department released its housing data which showed sales of single-family homes dropped 14.5 percent in March.  The seasonally adjusted rate of 384,000 sales is the lowest since the summer of 2013 which has some economists worried about weakening demand.
  • #Premarket Technical Update - Crude Futures Trading Slightly Lower

    Hal Lindon
    23 Apr 2014 | 9:01 am
    Crude futures are trading lower by $0.10 at $101.65 per barrel in Wednesday's session. After breaching Tuesday's low (101.51), Crude continued lower before finding support at $101.20. It did manage to rally back above the close ($101.75), reaching $102.08. After making the high, it attempted to make a new low for the day, but was unable to and has rallied back to its current level.
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    Yes, I Am Cheap

  • How I Went From Being Broke to Being Cheap

    Guest Blogger
    16 Apr 2014 | 7:48 am
    My financial life: Oh boy has it changed Good morning Yes, I am Cheap friends.  My name is Kristina and I’m the daily blogger over at Dinks Finance.  Today Sandy has graciously invited me over here to share the story of how I went from being broke to being cheap.  I turned my financial life around in three years and this is how I did it. My out of control spending ended in $50k of debt From my mid to late twenties I was living the high life, or at least I thought I was.  I had a wallet full of credit cards and I spent money whenever I wanted something.  I would spare no expense and…
  • Help A Reader: I’ve Got Serious Student Loans

    Sandy Smith
    20 Mar 2014 | 6:00 am
    I’ve been stuck, seriously stuck with the worst case of writer’s block.  I could not get one word on a page…that is until I received an e-mail from Terri.  Here goes! Hi there! Your story is inspiring and I could use some practical, objective advice. I will give you the outline version of my situation. - Graduated from college with $90k in student loan debt *anxiety strikes just from typing that number* - That is for both undergrad and grad school - Employed full-time but only making $19/hr - No credit card debt (thankfully) - Car is paid off. Nothing too fancy, a…
  • Video: Stop Giving Uncle Sam A Free Loan

    Sandy Smith
    12 Mar 2014 | 9:05 am
    With Tax Day only a month away if you haven’t already filed your taxes, you’re probably thinking about it. According to the IRS, of the 48 million tax refunds processed through the end of February, the average tax refund was $3034. That’s a pretty healthy amount of money! Finance experts argue that with such a large return, you are doing yourself a disservice throughout the year by reducing your take home pay and giving Uncle Sam an interest free loan all year long. I’m of the opposite mindset since I’d much rather get a tax return than learn that I owe the…
  • Grow Your Own Dough Challenge 2 Months In

    Sandy Smith
    3 Mar 2014 | 11:58 am
    Way back at the beginning of the year I hopped into a friendly little wager among personal finance people to see who would have the highest value portfolio at the end of the year.  Now that we’re passed two months, it’s time to see how my investments are doing. First, let’s recap a little.  Unlike most of the challenge participants, I am not relying on stock for the bulk of my wealth building in this challenge.  I split my $1,000 initial investment into peer-to-peer lending (25%), stock investing (25%) and my own little side business (50%). I’m going to go in order…
  • How I Doubled My Net Worth In Five Years On A Crappy Salary

    Sandy Smith
    14 Feb 2014 | 8:22 am
    With all of the things that I share on this site my net worth has never been one of them.  It’s not like I’m an incredibly private person, but I always felt as if I should hold at least ONE thing close to the chest.  That’s about to go right out the window. Blogging buddy J. Money asked bloggers if we were willing to share our net worth and I guess I felt challenged enough to (1) calculate that number and then (2) share that with the world (okay, the three of you who read this site). You already know about my debt.   This blog was established with the sole purpose of…
 
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    Money Reasons

  • Checking Out Southwest Airlines Rapid Rewards Program

    Money Reasons
    22 Apr 2014 | 7:08 pm
    I’m flying out on a business trip soon, and I heard about the following information which I believe is pretty interesting. flying Southwest Airlines works together with Chase Bank to provide loyal customers with the Rapid Rewards credit card program. These cards are available for both regular and business travelers who frequently use Southwest Airlines to get to where they need to go. They will receive preferential treatment at the airport as well as gain access to great deals on hotels, car rentals and events only available to Rapid Rewards members. Points can be redeemed for…
  • Boosting Your Income: How to Earn Money on the Side

    Money Reasons
    17 Apr 2014 | 4:10 pm
    Boosting Your Income: How to Earn Money on the SideIt feels like our money never quite stretches far enough these days. With wages stagnating while inflation rises, it is getting harder and harder to meet our expected standard of living; and that’s before we start even considering taking levels of debt into account. Due to this, more and more people have now started trying to earn money on the side. From betting to arts and crafts to car boot sales, there are a number of ways that this can be done. Due to the technology involved in 21st century life, however, you can now earn money without…
  • Puddles Pity Party “Royals – by Lorde” Cover Review

    Money Reasons
    21 Mar 2014 | 10:08 am
    As a fan of Lorde’s Royals, I heard about a cover that was as good as Lorde’s original, but with a different flavor.  Intrigued, I had to go and check it out and much to my surprise I wasn’t disappointed!  While the singing is great, what really makes this a great cover is the facial expressions by the singer!As someone who doesn’t really like clowns, this time it’s different!  This might be one of the coolest clown singers ever.  He also has a site called puddlespityparty.com.  I’m actually thinking about getting a shirt from the store page! I…
  • Why It’s Wrong When Billionaires Try To Destroy Companies

    Money Reasons
    11 Mar 2014 | 8:37 am
    I stumbled across this article Today on the NYtimes: “Staking $1 Billion That Herbalife Will Fail, Then Lobbying to Bring It Down” and it made me sick to my stomach.It’s not that I’m a big fan of Herbalife, but the fact that Bill Ackman is shorting the company with a huge position first, and now trying to get it destroyed seems unethical to me.  Herbalife pretty much follows a similar model of business that Avon follows, the reps buy the goods then peddle the goods.  I wonder if Bill will go after EBay sellers too?  They buy goods in bulk and sell them individually…
  • Why You Should Not Own Bitcoins And I Never Will

    Money Reasons
    7 Mar 2014 | 6:42 pm
    Okay, there exists plenty of lot of reasons not to buy into Bitcoin, but I’m going to start with the ones that bother me the most.  So let have at it:Nobody know who created it!  This is huge and means that the creator could have an unmeasurable amount of Bitcoins in his/their possession already.  Shoot for all we know, the creator could be some of these large Bitcoin exchanges that are losing the money by “hackers”…  What if in reality they (the Bitcoin exchange) was taking the bitcoins?  That reaching, but possible.  More likely the creator has a massive stash…
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    Financial Woman

  • Learn How To Invest; Create Financial Freedom

    Camille Gaines
    17 Apr 2014 | 11:31 am
    How to Invest – Part One on the Journey to Wealth… After my longtime girlfriend from college emailed me again to ask how to invest her teacher retirement fund, I decided once and for all to start sharing more information about traditional investing here at Financial Woman. Telling someone where to invest money is a huge responsibility, and it’s not one that I want right now. What I do is share what I’ve learned from over 30 years of investing so that you can make better, more confident choices about investing, have peace and confidence about your money, and live rich.
  • Do You Know About This Smart Investing Tool?

    Camille Gaines
    8 Apr 2014 | 8:41 am
      Do you have that nagging feeling signaling you need to know more about how to invest if you’re going to reach your life and financial goals? You may have read about how to invest with index funds here at Financial Woman. Investors can easily invest in stock and bond indexes with either mutual funds or etf’s (exchange traded funds). (Remember, smart investors always check the price tag before buying anything, and understand the markets or work with a financial advisor.) Both index funds and etf’s have advantages and disadvantages for investors. Investor’s…
  • Women and Investing: Are You Checking the Price Tag before Buying?

    Camille Gaines
    21 Mar 2014 | 8:14 am
    Women and Investing….and Smart Shopping Did you know that the stock market fell a whopping 58% from the end of 2007 to March 2009? Since that 2009 bottom, the stock market (index for large company stocks) has risen 179%. (1) Last week a money coaching client told me that she had some money she wanted to put into the stock market so she could diversify her investments. She currently has a lot of real estate, and owns her own small business. Here’s the thing: Diversification makes a lot of sense; but when buying anything, whether it’s a house or a stock fund, check the…
  • Net Worth, Women and Homes

    Camille Gaines
    18 Mar 2014 | 8:29 am
    Net Worth, Women and Homes… It’s so great to see that real estate and financial professionals are addressing the female market after decades of being under served! The first sentence in the article below states that Trulia launched a marketing campaign aimed at women. I would dare to guess that women have a lot of input into purchasing a home….it’s our nest in the world! As a real estate investor and home owner, I love both of these sites for research. They’re a great resource to estimate the market value of your home, an important factor in net worth for most…
  • Millionaire Financial Planning Tips

    Camille Gaines
    17 Mar 2014 | 1:44 pm
    This article from Investor’s Business Daily has some good financial planning tips geared toward millionaires. The one thing I would add is that tax smart additional income streams can be created by individuals who don’t yet have enough funds for life, such as a part time consulting business based on skills and expertise. Creating new income streams is more important than ever, especially since a $1,000,000 retirement account will not sustain the income needed for the lifestyle desired by most millionaires after taxes and inflation are factored in. Additionally, consider longer…
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    Control Your Cash: Making Money Make Sense

  • The Best Alternatives to a 401(k)

    admin
    9 Apr 2014 | 4:07 am
    The well of creativity is barely a trickle at this point. Our muse went to St. Tropez with someone younger and better-looking, and that was months ago. Is she ever coming back? We’ll leave a light on. Spend more time at the gym. Buy more flattering clothes. Vacuum the house once in a while. Damn, it would have been so easy to keep her. Cinderella were right, you don’t know what you got (till it’s gone).So here’s the latest in what’s become a weekly series, our recycled Investopedia pieces. We still write for them, by the way. In fact, here’s our latest,…
  • Carnival of Wealth, Back from the Dead Edition

    admin
    8 Apr 2014 | 4:53 am
    You can’t kill a dead man, but apparently a part-timer can break his streak If you missed last week’s Carnival of Wealth…well, you weren’t the only one.First, the excuse: we use a couple of hosting services to organize the carnival submissions for us. One of those services has been down for a while now, the other one takes submissions and watches them disappear into the ether. So we should have been suspicious when Sunday night came around and we’d received posts from a grand total of 2 sites, one of them with only a tenuous connection to personal finance.
  • An Investopedia Repost About Lockouts and Such

    admin
    2 Apr 2014 | 4:42 am
    From our Investopedia files, a piece about sports labor strife. Which doesn’t pertain to your life unless you’re an athlete, an agent, or maybe a team owner, but it’s an entertaining read. Trust us, we wrote it. Here’s an enticing sample:By 2011, pro football had metamorphosed from popular sport into national obsession. That spring, the NFL’s collective bargaining agreement had expired. The owners attempted to implement some draconian new measures, including an extended season (two additional chances to suffer a career-ending injury!) and a tight salary cap for…
  • Carnival of Wealth, Andrew Pohl Edition

    admin
    31 Mar 2014 | 4:56 am
    Andrew and his best friend, Gord That’s the problem with being selective. You accept only the good submissions, or the stupendously awful ones, and pretty soon the number of submitters dwindles to a trickle. Presenting another edition of the Carnival of Wealth, the only personal finance blog carnival worth a damn. Even with only 2 submitters. One of whom is one of the aforementioned awful contingent, the other of whom is a rookie. When you’re the only legitimate submitter, unbowed by threats of search engine optimization punishment, the least we can do is name a weekly…
  • March’s (F)RotM. You’re in Trent Hamm’s House.

    admin
    28 Mar 2014 | 4:23 am
    “Qwirkle.” “Belfort.” “Ingenious.” These aren’t even real words! The biggest problem with Trent Hamm of The Simple Dollar – aside from his repetition, impractical advice, stubbornness in the face of evidence that proves him wrong, unhealthy love of adverbs, repetition, comical overuse of the word “wonderful,” and repetition – is that there’s just too much to make fun of. We can read him only in spurts, then have to take a few weeks or months off or we’ll find ourselves making our own deodorant or recording…
 
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    Credit Card Blog | UniBul

  • The Evils of Payday Lending Visualized

    UniBul
    22 Apr 2014 | 3:00 am
    People have been really busy thinking up ways of visualizing the evils of taking out payday loans and of demonizing the lenders themselves. Read more on the same topic: Payment Processing for Payday Lenders: The Solution Payment processors are once again willing and able to serve payday lenders on reasonable terms and things are slowly beginning to normalize.... Payday Lending vs. Credit Unions: A U.K. Update Payday lenders serve a niche, which no one else would touch -- not on the types of terms politicians and regulators, or Archbishop Welby, would want to see.... Are There Any Alternatives…
  • These 5 Mobile Payment Infographics Will Change The Way You Think of Shopping. Especially #3.

    UniBul
    17 Apr 2014 | 3:00 am
    Something big is happening in the world of retail: our mobile phones are taking it over. And it's not just that we are using them to pay for things -- no, the biggest transformation is in our access to information. Read more on the same topic: What Is the Most Popular Type of Mobile Payment? It may not be as glamorous as Square, nor as well-funded as Google Wallet, but the lowly direct carrier billing approach to mobile payments beats them both.... On Infographics, Holiday Shopping and Credit Scores A nice infographic is tracking the latest holiday shopping trends and projections for us and…
  • How Blogging Is Making Us Money

    UniBul
    14 Apr 2014 | 3:00 am
    Much as I enjoy blogging (and it is huge fun!), I do it for one reason and one reason only: growing our company's client base and, by extension, our revenue. Read more on the same topic: On Debt, Credit Scores, the North-South Divide and Making Payments on Time If you want to keep your credit score high, you can either use common sense or move to Boston; if you want to kill it and do it immediately, just move to Texas.... The Evolution of Money: From Shells to Bitcoin Learn what our forebears used for currency to help them transact with one another when they were not too busy bashing each…
  • Americans Like Payday Loans, Even If Their Government Doesn’t… And You Will Not Believe Why.

    UniBul
    10 Apr 2014 | 3:00 am
    Not being part of the mainstream financial system is much more a matter of personal choice and lack of financial education than it is the result of being shut out of it. Read more on the same topic: Being Unbanked Is a Choice, but the Alternatives Are Getting Better Staying out of the traditional financial system is much more a matter of choice and lack of financial education, than it is about being shut out of it.... Payday Loans Get a Facelift, or Do They? While it's better not to get to the point of needing a payday loan to pay your phone bill, BillFloat is a better option than many of the…
  • Economists Keep Telling Them This Cannot Go On. Yet Americans Keep Slashing Credit Card Debt. Wow.

    UniBul
    9 Apr 2014 | 3:00 am
    More than 5.5 years after the collapse of Lehman Brothers crippled the financial infrastructure of the Western World, the aftershocks of the catastrophe are still being felt. Still, just how is it possible that our collective credit card debt is much, much lower than its level at the eve of the meltdown and has remained […] Read more on the same topic: Americans Pay down Credit Card Debt, Student Debt Keeps Rising Americans paid down some credit card debt in March, but kept taking out more student and auto loans, the latest Federal Reserve data show.... Americans Take on More Auto and…
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    Smart Balance Transfers

  • Best 0% APR Offers For April

    Jason Steele
    23 Apr 2014 | 4:00 am
    This spring, many credit card users are looking for break from interest charges as they contemplate purchases of summer vacations and summer camps for their kids. Thankfully, there are still plenty of great credit card offers that feature interest free financing for 12, 15, or even 18 months. Here are some of our top offers […]
  • Best Balance Transfer Offers For April

    Jason Steele
    21 Apr 2014 | 4:00 am
    This spring, credit card users are going all out to cut their interest payments and get out of debt. As the economy starts to pick up, more credit card users are looking to balance transfer offers with 0% APR financing so they can eliminate their interest costs. Without interest payments, they can pay off their […]
  • Top Credit Cards For Students

    Jason Steele
    18 Apr 2014 | 4:00 am
    Students who use credit cards have unique requirements. First, they need a product that they can be approved for, as young adults will have less of a credit history than most applicants. Next, they will want a relatively simple card with no annual fee. Finally, they will enjoy some rewards for the kinds of spending […]
  • Chase Annual Exclusives Bonus

    Jason Steele
    16 Apr 2014 | 4:00 am
    The is one of the most popular reward cards offered. It features 1% cash back on all purchases, or 5% bonus cash back on up to $1,500 spent each quarter at qualifying merchants. But what few people know is that Chase also offers a 10% annual Exclusives bonus when cardholders have both a card a […]
  • Rewards Pro – Start Booking The 2014 Holidays This Spring

    Jason Steele
    14 Apr 2014 | 4:00 am
    Amongst my family and friends, I am known as the guy that can help you travel for free. Yet every year, people try to get me to help them book a last minute trip over the holidays. Often, there is not much that I can do. How to book an award trip There are three […]
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    Credit.com

  • What Will a Bad Credit Score Cost You on a Home?

    Gerri Detweiler
    22 Apr 2014 | 9:01 pm
    You’ve heard mortgage professionals and personal finance experts practically harp on you to check your credit well in advance of getting a mortgage and you may or may not have taken their advice. But what if you knew that better credit could save you enough to pay for your kid’s college education — or even two of them? Or that you could buy a new car or two, for cash, with the money you saved? Would that motivate you enough to make sure your credit is as accurate, and as strong, as possible? Those are very real savings that can be achieved today. Here’s an example. Based on recent…
  • What Your Credit Reports Won’t Tell You

    Christine DiGangi
    22 Apr 2014 | 9:01 pm
    A credit report is a pretty simple concept: It’s a report on your past use of credit and loans. That part is generally pretty easy for people to grasp. It’s some of the other stuff on the report — and the stuff that’s not on the report — that confuses some and leads to misunderstanding the credit report’s purpose. As a consumer, it’s important for you to review your credit reports regularly, because inaccuracies can seriously harm your credit standing. You’re entitled to a free annual credit report from each of the three major credit reporting…
  • How to Make Your Taxes Way Easier Next Year

    Christine DiGangi
    22 Apr 2014 | 9:01 pm
    The secret to tax success is apparently a multi-pocket file folder. I know you’d probably like nothing more than to forget about taxes for the next several months. Some of you will certainly go about 50 weeks before you get going on another tax return, but your life will likely be much less hectic next April if you take a minute to think about what you might learn from your most recent tax year. I’m here to tell you that early 2015 does not need to be riddled with tax stresses. If the idea of reduced stress hasn’t intrigued you, perhaps this will: Planning ahead for your…
  • I Sold My Dream Home So I Could Retire Debt-Free

    Gerri Detweiler
    22 Apr 2014 | 9:01 pm
    Call it a revelation, a crisis, a turning point — or all three — but while writing her latest book, The Smart Women’s Guide to Retirement, Mary Hunt realized she had to make a life-changing decision. Years before, she dug out of more than $100,000 in debt without declaring bankruptcy. Now she found herself facing a hurdle that appeared almost as daunting: taking her own retirement planning advice and selling her dream home. For the first time, Mary shares the details of this difficult but life-alerting decision. Mary, you’ve written numerous books about debt and personal…
  • How to Pick a Debt Payoff Strategy

    AJ Smith
    22 Apr 2014 | 9:01 pm
    The idea of beginning to save can seem impossible when you are carrying a large amount of debt. In fact, sometimes just figuring out how to pay off your debt can be difficult. There are some strategies financial experts advise when it comes to deciding how to take care of your debt. Here’s how to decide which is right for you. Different Kinds of Debt It’s important to have a clear picture on your entire financial situation. Listing all your debt may be depressing, but it can help get you started on a road map to get rid of it. Think of your list of debts as a starting point and imagine…
 
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    Centsible Life

  • 15 Simple Ways to Live on Less

    Kelly Whalen
    22 Apr 2014 | 9:51 am
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  • Gluten Free Bar {Review + Giveaway}

    Kelly Whalen
    21 Apr 2014 | 8:39 am
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  • April 21st Meal Plan

    Kelly Whalen
    21 Apr 2014 | 8:09 am
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  • CVS Savings Tips {Giveaway}

    Kelly Whalen
    19 Apr 2014 | 4:00 am
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  • Easter Crafts: Paper Roll Bunnies

    Tonya Staab
    18 Apr 2014 | 9:45 am
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    The Daily Reckoning

  • Why Americans Shouldn’t Worry About Income Inequality

    Jim Mosquera
    23 Apr 2014 | 12:28 pm
    The subject of income inequality makes for great election year discussion, and of course 2014 represents the mid-term election. Recall how the Occupy [fill in the blank] movement catalyzed around the 99% vs. 1% issue. The spate of articles discussing income inequality has risen along with the stock market. The political “solution” to income inequality has its foundation on tax or regulatory policy and perhaps outright legislation. Is this the answer? Before I address that question, we should probably ask what the catalysts of income inequality are. Readers of this section of…
  • One ETF to Play Asymmetric Warfare

    Addison Wiggin
    23 Apr 2014 | 11:03 am
    It was the night the lights went out in Silicon Valley — almost. The events read like something from an action novel — definitely. And the story matters to you if you enjoy the convenience of household electricity… or if you’re looking for a lucrative and cutting-edge investing opportunity. In the early hours of April 16, 2013, saboteurs cut telephone cables about a half-mile from an electrical substation in San Jose, Calif. A half-hour later, they opened fire on the substation — likely with AK-47s — and during a 20-minute span, they knocked out 17 giant…
  • What Small-Caps are Saying About the Current “Bubble”

    Greg Guenthner
    23 Apr 2014 | 8:26 am
    “There is a clear consensus that we are witnessing our second tech bubble in 15 years,” Greenlight Capital’s David Einhorn said yesterday. “What is uncertain is how much further the bubble can expand, and what might pop it.” Einhorn is the latest high-profile name to hop on the bubble bandwagon. That’s just fine with me. Heck, he might be right. But I’m not sure what you are supposed to do with this information. After all, we don’t know if the market will continue to grind higher for one, two or five more years. Einhorn even says so himself. That’s the big problem with…
  • How Gold Will Respond to Declining Discovery

    Henry Bonner
    23 Apr 2014 | 7:53 am
    As metals prices boomed during the last decade, small explorers and big miners spent billions of shareholder dollars seeking new deposits. Investors wanted the high rewards of a discovery as metals soared in price. At $1,900 per ounce of gold, even mediocre finds could make money. Richard Schodde, of MinEx Consulting, has studied past exploration cycles in detail. He says we are seeing a tightening of the sector, as the availability of capital has plummeted. Costs of exploration are coming down as companies cut back on high-salaried employees and reduce operating costs. The following chart…
  • A Simple Strategy for Investing in the US Energy Boom

    Byron King
    22 Apr 2014 | 2:10 pm
    “There are no dry holes,” the man said. “Every well produces good oil and pays for itself.” That’s what I learned during a talk with an oil company executive not long ago. The man’s operations are mostly in the Eagle Ford play of south Texas. He told me that just a few years ago, his first well cost nearly $30 million to drill and complete, over almost 60 days. Now, with multiwell drill pads and reusing everything from rig roads to fracking water, his average cost per well is under $6 million; and drilling takes about seven days, with another seven days for completion. Savings go…
 
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    Canadian Finance Blog

  • Guaranteed Investment Certificates: Are GICs Risk Free?

    Tom Drake
    23 Apr 2014 | 2:00 am
    One of the most interesting, and safest, investments that Canadians have access to is the GIC. With a GIC, you invest your principal at a set rate of return. You receive the same interest yield, regardless of what is happening in the markets. Because of their safety and stability, GICs are popular among those who lived on fixed incomes. They are desirable during retirement because the offer a regular source of income. Guaranteed Investment Certificates are generally considered to be risk free investments. It’s important to understand, though, that no investment is completely without…
  • Tax Refunds Are a Bad Thing

    Tom Drake
    21 Apr 2014 | 2:00 am
    There are many jokes about how terrible tax time is, but the truth is that many people actually enjoy tax time. While the paperwork is never a good time, the result of filing your taxes can mean that you end up with a nice, big refund. However, getting a big refund isn’t always the best way to go about things. The truth is this: while many people get excited about large tax refunds, all it really means is that you lent the government money throughout the year, interest free. Use Your Money for You, All Year Long Many people think of a tax refund as a windfall. It feels as though you…
  • Tax Deadline Is May 5th, Have You Filed Your Taxes Yet?

    Tom Drake
    16 Apr 2014 | 2:00 am
    Notice: The tax deadline has been extended to May 5, 2014 for filing 2013 taxes. The delay is due to the Heartbleed vulnerability found with the CRA web site. The fix has been made, and it’s safe to use the CRA site. However, the CRA disabled some of its functions while making the fix in order to protect taxpayer information. Now that everything is up and running again, the CRA is accepting EFILE and NETFILE again, and you have a little extra time to get your documents in. Tax season is in full swing, and you might be one of those looking to get your information turned in. The deadline…
  • Four Ways to Deal with a Home That Won’t Sell

    Tom Drake
    14 Apr 2014 | 2:00 am
    The rate of foreclosures down in the US is certainly bad news but some economists believe that before the housing market can rebound, the balance of the toxic mortgages have to be flushed out of the system. Here in Canada where the real estate market hasn’t been quite as bad, you may not be close to foreclosure but you may be one of the homeowners who still have an underwater mortgage. If you have a home that won’t sell or is underwater, you may be looking for options and sometimes, the options aren’t in your favour. I’ve put together a list of the best of the worst options when…
  • Is Your Investing Too Emotional?

    Tom Drake
    7 Apr 2014 | 2:00 am
    One of the problems that many Canadians have with investing is that they become too emotional. A survey by the Bank of Montreal found that two-thirds of Canadians have a hard time keeping their emotions in check when they invest. While it’s impossible to get rid of emotion altogether when any type of money decision is involved, it is important to do what you can not to let your emotions overrule you when you make investing decisions. It’s especially important not to let fear rule you when you make your investment decisions. Fear and Investing Fear is one of the strongest emotions…
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    The Dividend Guy Blog

  • A Dive Into The Dark World of Shadow Banking

    DivGuy
    23 Apr 2014 | 2:00 am
    On Monday, I discussed the major bubble crisis in China. I’ve mentioned the term Shadow Banking. This new banking term caught my attention – is shadow banking legal? What is Shadow Banking anyways? And most importantly, how can Shadow Banking affect your portfolio?   With a name like this, it’s hard to think shadow banking is good for the economy. From my understanding, shadow banking is like steroids; it boosts your performance and exacts a toll to pay later at a critical price for your excesses.   Shadow Banking and the 2008 Crisis   The term “shadow bank” was…
  • Why China is about to Crash Your Portfolio this Year

    DivGuy
    21 Apr 2014 | 2:00 am
    There is something going on at the other end of the planet…   You know me; I’m not the guy who predicts the next market crash on a quarterly basis. And this time, I’m very worried about China. I don’t know yet how hard it will hit our country, but one thing is for sure; China’s bubble is going to burst and hit the stock market like a rock. Since 2008, the market has gone up every year (besides 2011 in Canada). 2013 was an amazing year for dividend investors where my US stock picks did 37.06%. Since then, I’m looking everywhere for the next bubble. I’m a pretty optimistic…
  • The World of Utilities

    DivGuy
    16 Apr 2014 | 8:39 am
        Bonds are not paying enough interest and you’re looking for « safer » dividend stocks to compensate? Utilities stocks may be the solution for your portfolio. But, don’t think that all utilities are safe investments. They are still companies and can still leave you with a sour taste in your mouth. This is why we will look into the world of utilities. First; Why Invest in Utilities?   The utility sector is particularly interesting in the US for dividend investors. This is the realm of steady and high dividend yields. In this sector, it’s not hard to find a 4%…
  • The Top 20 Most Powerful Dividend Stocks to Buy Now

    DivGuy
    14 Apr 2014 | 5:45 pm
        Last week, I gave as much detail as possible on my dividend growth model The goal of this model is to build a ranking where all companies would be evaluated based upon several criteria. This leads to The Rock Solid Ranking available exclusively at Dividend Stocks Rock. But I also wanted to share a bit of this ranking with the top 20 most powerful dividend stocks to buy now for your portfolio.   Since the ranking is based on fundamentals but also on the current stock value, the top 20 is definitely showing the most powerful dividend payers that are traded at an attractive…
  • Dividend Reads for the Weekend

    DivGuy
    11 Apr 2014 | 5:39 am
        This week, I’ve wrote about how we calculate The Rock Solid Ranking. It was a teaser for next Monday’s post where I will publish the top 20 of our ranking.   Good Read for the Weekend:   I’ve shared my #1 investing advice in a compilation of 22 Dividend Bloggers sharing their investing advice @ Dividend Growth Stock Investing   Dividend Growth Investor explains how to manage new cash from dividend payouts   Using Dividend Stocks as an Emergency Fund? @ Dividend Mantra   Dividend Income update @ My Own Advisor   Captain Dividend sold Intel…
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    Steadfast Finances

  • 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…
  • Quick and Easy House Sales which are Also Cost Effective

    CJ
    22 Oct 2013 | 8:35 am
    In my experience the selling of a property is never a straightforward one, and as time drags on with no completion it starts to cause stress. This is not how it should be, as selling a property should be an exciting time in your life as it means that you are moving to somewhere new. All of this excitement can be gone however by the time the sale has gone through, and all that’s left is relief that it has been completed. As well as slow sales being a problem, another aspect that will add to the stress is that selling a home can also be expensive, and this comes in the form of estate agents…
 
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    Fiscal Fizzle

  • How to Instill Work Ethic in Your Kids With Paid Chores

    Wojo
    22 Apr 2014 | 5:00 am
    Last weekend, I was listening to the Beyond the To Do List Podcast with Erik Fisher and caught bits and pieces (in between my kids screaming) of an interview with Rachel Cruze, Dave Ramsey’s daughter. They were chatting about a new book she co-authored with Ramsey on raising money-smart kids: Smart Money Smart Kids. I haven’t checked out the book yet, although it sounds worthwhile enough to make it to my queue. What raised my curiosity was Erik’s conversation with Rachel about how to raise kids that understand what it means to work, and understand how work equates to earning…
  • Top Auto-Advancements to Consider When Buying a Car

    Wojo
    2 Apr 2014 | 7:30 am
    Whether you’re in the market for a new luxury vehicle or looking to upgrade to a newer, more reliable model, you likely have an idea of what you want in a new ride. From deciding on the color and size of the vehicle to the number of doors and amount of cargo space, you have many options to choose from when buying a car, including the latest automobile technologies. Purchasing a car with some of the most recent innovations in the automotive industry can help you recoup a larger portion of your investment when you’re ready to sell. Learn about the top auto-advancements to consider when…
  • Everything You Need to Get the Most out of Your Will

    Wojo
    31 Mar 2014 | 2:50 pm
    While no one wants to think about the inevitable, the sad truth about life is that no one can avoid death. While this is a hard pill for many to swallow, it doesn’t mean that you can’t take steps to ease the burden on your loved ones after you’re gone. A well planned and professionally designed will is one of the strongest assets your family can have to make life a little easier. Of course, all of this is easier said than done. With that in mind, here’s a breakdown of everything you need to make a great will that ensures you take care of your loved ones and other matters…
  • Spring Cleaning for Your Finances

    Wojo
    13 Mar 2014 | 5:41 am
    It’s March, which means that the weather is turning warmer in many parts of the country, and it’s time for some Spring Cleaning in preparation for summer. Like our homes, our finances tend to get bogged down with dirt and clutter, and it’s a good idea to clean house at least once a year. What might a Financial Spring Cleaning routine look like? Here’s one example, based on what I do for my family with the addition of other tasks that might be relevant to you: Review your will and emergency documents for consistency with any new developments in the last year. Go through…
  • 5 Ways to Lose Me as a Customer With Your Website

    Wojo
    9 Mar 2014 | 11:58 am
    It’s 2014, and for many people, your business website is one of the first ways we interact with your brand or service. If your website doesn’t deliver, I consciously (and subconsciously) assume you won’t either. But my customers aren’t the type to check websites first, you say, or the type of business I’m in doesn’t demand websites. 5 years ago, I may have conceded that you were right. Today, there’s not a single “type” of business nor a single “type” of customer I interact with where I know the Web can play a critical role…
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    The SpendLessTV.com Money-Saving Blog

  • 8 Earth Saving and Money Saving Household Tips

    SpendLessTV.com
    21 Apr 2014 | 1:58 pm
    Earth Day: April 22 We’ve been eco-conscious for decades (more decades than we care to mention.) We consider ourselves to be fairly eco-friendly, and are happy to do our bit in terms of recycling, reusing, repurposing, shopping eco-friendly whenever possible, planting trees over and above our carbon footprint; and we do know that being green also adds up to some real decent money savings, which makes us even happier… and even still, while grocery shopping recently, we came across one astonishing little fact that really took us back. Printed on the front of a plastic bag of brown…
  • Make Money With a Yard, Garage or Tag Sale

    SpendLessTV.com
    19 Mar 2014 | 8:20 am
    The good ol’ garage sale. While we don’t think it’s quite a relic yet, there is no doubt the internet has changed the way we think about reselling our household goods. Now, reselling just about anything can take place 24/7/365 through websites like Ebay and Amazon.com.  But there is nothing like a “real” (as opposed to a “virtual”) yard, garage or tag sale to free up some much needed closet space and bring in some quick cash. But even though it’s a tried-and true method for easy money-making, there are some pitfalls. Here are some pointers to…
  • 9 Lucky Links to Celebrate St. Patrick’s Day in Style and On Budget

    SpendLessTV.com
    9 Mar 2014 | 8:42 am
    4-Leaf Clovers found in Jamie’s yard in 2002. Looking for fun and festive to enjoy St. Patrick’s day? You’re in luck – we’ve found a pot of gold in the videos featured below; they’re full of tips to have you celebrating in style while keeping your pot of gold growing, so go ahead – go (and save) green! St. Patrick’s Inspired Eye Makeup - Tutorial for green green green green St. Pat’s party eyes. St. Patrick’s Day, Host a Party - Tips to make your budget bash a success from BillSavings.com St. Patrick’s Day Last Minute Party…
  • Roll Out the Red Carpet, Not Your Wallet, Oscar Party Ideas

    SpendLessTV.com
    17 Feb 2014 | 7:45 am
    Academy Awards night is a great opportunity to enjoy some Hollywood glitz, glamor and celebrity excitement right in your own home. Whether a full fashion formal sparkling event, or just snuggling on the sofa with a ballot and a sparkling drink, Oscar night can be enjoyed without breaking the bank or straining your budget.  The videos here give tips on hosting, easy recipes, quick cocktail ideas, games, and even swag bag favor ideas, to make your red carpet party at home fabulous. Oscar Party Worthy of Awards - Early Show contributor Katie Lee shows how to host an Oscar party with simple…
  • 20 Big Time (& Budget) Valentine’s Day Ideas

    SpendLessTV.com
    5 Feb 2014 | 9:00 am
    Valentine’s Day… and we’re on it, with videos full of ideas to say you care, and ways to celebrate in warm, cozy, and ultra romantic style, without over-spending or draining your bank account… so go ahead, indulge: Rich Romantic Times for Less - Relationship expert, Sean Stephenson gives inspiring ideas for a hot date, no matter what your budget, that are sure to “wow” your honey. Valentine, Impress Your Honey for Little Money - Amy Lewis, DebtFreeAmerica.com Valentine Gifts for Men Under $50 - David Greg from BehindTheBuy.com shows great ideas for the…
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    MoneyProblems.ca

  • Debt Relief Guide: Self-Help To Bankruptcy

    Moneyproblems Answers
    23 Apr 2014 | 4:00 am
    Moneyproblems.ca was created to provide a complete picture about debt relief in Canada. This means providing support for individuals who are able to pay off their debts on their own, but need guidance. Resources like our free e-book, Budget You Way Out of Money Problems. We also provide information about... Read more The post Debt Relief Guide: Self-Help To Bankruptcy appeared first on MoneyProblems.ca.
  • Teach Your Children About Debt Problems

    Ted Michalos
    16 Apr 2014 | 5:00 am
    I may not win many friends with this article, but I am of the opinion that one of the most effective ways to reduce bankruptcies and debt problems in the future is for people going through the process to share their experiences with family and friends. I am not suggesting... Read more The post Teach Your Children About Debt Problems appeared first on MoneyProblems.ca.
  • 5 Signs You Are In The Credit Card Debt Danger Zone

    Moneyproblems Answers
    9 Apr 2014 | 4:18 am
    It’s easy to pay for purchases using your credit card but it’s not always easy to keep your use of credit under control. In fact 93% of all insolvent debtors owed money on several credit cards at the time they sought debt relief. Their average outstanding balance was $25,400, so... Read more The post 5 Signs You Are In The Credit Card Debt Danger Zone appeared first on MoneyProblems.ca.
  • What To Expect if Your Credit Card Debt Has Been Sold

    Ted Michalos
    2 Apr 2014 | 4:00 am
    Credit card companies are in business to make money. When they issue you a credit card they make money by charging the merchant a transaction fee every time you use your card, and they earn money if you carry a balance or incur late payment or other credit card fees.... Read more The post What To Expect if Your Credit Card Debt Has Been Sold appeared first on MoneyProblems.ca.
  • Don’t Get Caught In Bank’s Market Share Grab

    Moneyproblems Answers
    27 Mar 2014 | 6:20 am
    The Bank of Montreal slashed 5-year mortgage rates today to a low of 2.99%. It looks like our Canadian banks are thinking about starting a bidding war to gain your business and boost their mortgage portfolios. Before you jump at these ultra low rates, consider the long term impact on... Read more The post Don’t Get Caught In Bank’s Market Share Grab appeared first on MoneyProblems.ca.
 
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    JoeTaxpayer

  • 2015 Federal Budget – Extending the Exclusion From Income for Cancelled Mortgage Debt

    Joe
    19 Apr 2014 | 4:00 am
    For as long as I could remember, a cancelled debt came with a tax bill. If you defaulted on a loan, the discharged debt amount was treated as income and taxed at your marginal rate, i.e. simply added on top of your income and taxed. Soon after the housing crisis of 2004-5, congress passed a waiver so those who lost their homes didn’t find insult after injury, and were not taxed on their discharged debt. The new proposed code will extend this rule until the end of 2017, presumably long enough for those in difficult economic times to get back on track. In theory, I think this forgiveness…
  • 2015 Federal Budget – Extending the American Opportunity Tax Credit

    Joe
    18 Apr 2014 | 4:00 am
    The American Opportunity Tax Credit is a College Tuition benefit. Specifically, Taxpayers may claim an AOTC for 100 percent of the first $2,000 plus 25 percent of the next $2,000 of qualified tuition and related expenses (for a maximum credit of $2,500) per student. This is not a deduction, but a credit, in effect, you are being handed $2500 towards the first $4000 in college expenses. As with many such benefits, this one is phased out for singles with AGI from $80K to $90K and for joint filers with AGI from $160K to $180K. The AOTC overlapped with the Hope credit and Lifetime Learning…
  • 2015 Federal Budget – Increasing Standard Mileage Rates for Charitable Driving

    Joe
    17 Apr 2014 | 4:00 am
    There are times that you can deduct the cost of operating your car, and more specifically, write off the mileage you’ve driven for particular reasons. From the IRS site, above is a brief summary. You can see the disparity between what you can deduct for miles driven for business vs medical, moving, and charity. Strangely, the deduction for charity is not currently indexed to inflation, and requires a specific change authorized by congress. It’s been stuck at 14 cents per mile for a very long time.  The budget proposal would change the rate for charitable driving to the same rate…
  • 2015 Federal Budget – Simplify Required Minimum Distribution Rules

    Joe
    16 Apr 2014 | 4:00 am
    This proposed change to the tax code is a simplification, but at what cost? One bit of the proposal offers to eliminate RMDs on retirement account that are worth less than $100K. A good thing, I suppose, although those with a low IRA balance are also likely to be in such a low tax bracket that the withdrawal wont be a burden. The next part of this change is add RMD requirements to the Roth IRA. I have mixed feelings about this. One view is that retirement accounts are meant for just that, retirement. These accounts have morphed into estate planning tools, especially for those of modest means.
  • 2015 Federal Budget – Limiting the Size of Retirement Accounts

    Joe
    15 Apr 2014 | 4:00 am
    We continue our look at the proposed 2015 Government Budget, and today it’s one that is bound to impact people by surprise. The proposal itself may seem well intended, at face value, it puts a limit on what one can accumulate in their retirement accounts. In light of the Mitt Romney $400M IRA, such proposals have gotten public approval. To be clear, it’s not the spirit of the proposal that I object to, but the math behind its implementation. Let me first offer the limits and how they will be calculated. First, an annual benefit of $210,000 has been deemed enough. For a single…
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    Financial Samurai

  • From Debtor To Millionaire: How A Windfall Changed My Life

    Financial Samurai
    23 Apr 2014 | 4:25 am
    This is a guest post from J.D. Roth, who founded the blog Get Rich Slowly in 2006 and is the author of Your Money: The Missing Manual. I first met JD four years ago for lunch up in Portland when I was still working. By that time, J.D. was already a mini-celebrity in the personal finance world through his story telling abilities and topical focus of paying down debt and living a more frugal lifestyle. We came from opposite ends of the financial and topical spectrum, but as fate would have it, we’re in pretty similar boats now. I admire J.D. because he is a “blogging purist”…
  • Use A Credit Card To Protect You From Everything Bad

    Financial Samurai
    20 Apr 2014 | 4:23 am
    I don’t understand people who don’t use credit cards. Not only do you get an interest free loan for 30 days, you also get rewards points. Perhaps even more importantly, you get fraud and conflict protection. In “When Saving Money Is No Longer Worth Your Time But You Do It Anyway,” I called up my credit card company to dispute my $35 Walgreen charge out of principle because I felt the pharmacist had misled me. Instead of the credit card company filing a dispute, they simply credited me back $35 dollars, no questions asked. Getting double travel rewards points with the…
  • Interview With Bo Lu, CEO Of FutureAdvisor On Startup Life, Online Wealth Management, And More

    Financial Samurai
    18 Apr 2014 | 4:18 am
    It’s been a while since I last interviewed a CEO of a San Francisco-based tech startup so I’m pleased to share an interview I did with Bo Lu, the CEO of FutureAdvisor. FutureAdvisor is an algorithmic money manager as opposed to Personal Capital, which employs human financial advisors to help clients manage their money. The target clientele is quite different due to the services offered, the asset management threshold, and the corresponding pricing. I was introduced to Bo through Sam Yount who used to work at Personal Capital as the VP of Marketing and now works at FutureAdvisor in…
  • The Best Time To Buy Property Is When You Can Afford It

    Financial Samurai
    16 Apr 2014 | 4:25 am
    Now that I’m back in the property hunt, I realize more than ever that the best time to buy property is when you can afford it. Perhaps my belief is not as true for cities that are dying from the inside. But for those people who want to buy property because their incomes are growing, a baby or two are on the way, or they simple no longer want to be price takers in an ever rising rental market, buying property when you can afford to buy is most likely a good choice. It’s important to realize that if you rent, you are short the property market. Every time rents and property prices go…
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    Personal Finance Blog

  • Make Your Kids Money-Wise

    Twila VanLeer
    11 Apr 2014 | 12:42 pm
    When you start thinking about the facts of life that your children need to know, remember that money is one of those facts. It’s the rare human being who doesn’t need to know, early or late, how to manage personal finances. And in this case, early is always better. A foundation in finance can protect your children as they venture into the adult world. For instance, when they come up against the cold hard facts of things such as student loans. The Consumer Financial Protection Bureau estimated in 2013, for instance, that seven in ten college seniors graduating in2012 had an average…
  • Don’t Let Lifestyle Inflation Overwhelm Your Finances

    Kevin Mercadante
    10 Apr 2014 | 8:57 am
    Protecting Your Money So It Can Grow In Value So often, people watch their careers flourish and their incomes grow – but no matter how fast they do, somehow their overall financial situation seems to go nowhere. Sometimes, it even gets worse. How can that be? It’s called lifestyle inflation, a kind of financial cancer that can render your finances a complete wreck, even as your career takes off. It’s important to realize that income and net worth are not the same thing. Income is how much you make, but net worth is what you’re left with after all your living expenses are paid. If…
  • Powerful Budgets Help You Get What You Want

    Sherry Tingley
    5 Apr 2014 | 9:51 am
    We all have them: Expenses we can’t sidestep, things we would like to have and long-term hopes and plans that require up-front planning. Budgeting Helps You Keep Your Dollars That’s what budgeting is all about. It gives you a clear picture of what you have, what you must spend and what’s left over for those things that are only dreams in the making. For most of us, it’s clear that the “musts” will eat up most of the paycheck. Surveys show that the average American household spends 80 percent of its income on essentials. Sixty percent, right up front, goes…
  • 10 Travel Tips To Stay Within Your Travel Budget

    Sherry Tingley
    24 Mar 2014 | 6:19 am
    A vacation is something that most people enjoy, but few are able to afford consistently. However, a fun vacation doesn’t have to break the bank. Whether you want to take vacation to the beach or to an exotic location you will need to plan ahead. By discovering your hidden thrifty streak and checking out these ten travel tips, you can make a vacation affordable for you. Prioritize Before you start thinking of where you’d like to go, consider what you want to do on your trip. If you’re after a five-star vacation, you’re likely going to need to save for it. However, if…
  • Debit Card Pre-Authorization Holds

    Twila VanLeer
    3 Feb 2014 | 11:14 am
    You insert your debit card. You pump the gas. You cringe (the current average price- per-gallon for premium is $3.62) and you leave the filling station assuming the $40 total will be subtracted from the balance in your debit card account. Simple, right? What you don’t know is that behind the scenes, computers are doing their thing and when they are done, your bank may have put a pre-authorized hold on your account. It may be larger than your actual balance, especially if you are chronically hovering about the edges of the account. That means that when you drive from the gas station to the…
 
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    Control Your Cash: Making Money Make Sense

  • The Best Alternatives to a 401(k)

    admin
    9 Apr 2014 | 4:07 am
    The well of creativity is barely a trickle at this point. Our muse went to St. Tropez with someone younger and better-looking, and that was months ago. Is she ever coming back? We’ll leave a light on. Spend more time at the gym. Buy more flattering clothes. Vacuum the house once in a while. Damn, it would have been so easy to keep her. Cinderella were right, you don’t know what you got (till it’s gone).So here’s the latest in what’s become a weekly series, our recycled Investopedia pieces. We still write for them, by the way. In fact, here’s our latest,…
  • Carnival of Wealth, Back from the Dead Edition

    admin
    8 Apr 2014 | 4:53 am
    You can’t kill a dead man, but apparently a part-timer can break his streak If you missed last week’s Carnival of Wealth…well, you weren’t the only one.First, the excuse: we use a couple of hosting services to organize the carnival submissions for us. One of those services has been down for a while now, the other one takes submissions and watches them disappear into the ether. So we should have been suspicious when Sunday night came around and we’d received posts from a grand total of 2 sites, one of them with only a tenuous connection to personal finance.
  • An Investopedia Repost About Lockouts and Such

    admin
    2 Apr 2014 | 4:42 am
    From our Investopedia files, a piece about sports labor strife. Which doesn’t pertain to your life unless you’re an athlete, an agent, or maybe a team owner, but it’s an entertaining read. Trust us, we wrote it. Here’s an enticing sample:By 2011, pro football had metamorphosed from popular sport into national obsession. That spring, the NFL’s collective bargaining agreement had expired. The owners attempted to implement some draconian new measures, including an extended season (two additional chances to suffer a career-ending injury!) and a tight salary cap for…
  • Carnival of Wealth, Andrew Pohl Edition

    admin
    31 Mar 2014 | 4:56 am
    Andrew and his best friend, Gord That’s the problem with being selective. You accept only the good submissions, or the stupendously awful ones, and pretty soon the number of submitters dwindles to a trickle. Presenting another edition of the Carnival of Wealth, the only personal finance blog carnival worth a damn. Even with only 2 submitters. One of whom is one of the aforementioned awful contingent, the other of whom is a rookie. When you’re the only legitimate submitter, unbowed by threats of search engine optimization punishment, the least we can do is name a weekly…
  • March’s (F)RotM. You’re in Trent Hamm’s House.

    admin
    28 Mar 2014 | 4:23 am
    “Qwirkle.” “Belfort.” “Ingenious.” These aren’t even real words! The biggest problem with Trent Hamm of The Simple Dollar – aside from his repetition, impractical advice, stubbornness in the face of evidence that proves him wrong, unhealthy love of adverbs, repetition, comical overuse of the word “wonderful,” and repetition – is that there’s just too much to make fun of. We can read him only in spurts, then have to take a few weeks or months off or we’ll find ourselves making our own deodorant or recording…
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    FiGuide - A Retirement Plan That Works!

  • Retirement Account Rollover Options

    Eric J. McClain, CFP®
    23 Apr 2014 | 9:12 am
    Where can my retirement account go when I retire or change jobs? For the most part, when you retire or otherwise end your employment you may direct transfer or direct rollover your retirement account(s) to a new IRA account established at a qualified custodian. Here are some special situations that come up where you may separate accounts to receive the transfer. Simple IRA Small businesses can establish a SIMPLE IRA retirement plan. It’s similar to a 401k with but with much simpler and therefore less costly record-keeping and administrative requirements. In the SIMPLE plan you have your…
  • Is it Really Cheaper to Buy Than Rent?

    Don Martin
    23 Apr 2014 | 7:18 am
    Recently news stories indicate that in some cities it is much cheaper to buy a home than rent. The reason why that may be is that perhaps a fifth of the population may have needed and still needs to use “Easy Qualifier” mortgages to qualify for a loan. These borrowers can’t play the housing game so they have to rent. Or some potential buyers lost their equity after going into foreclosure and have no down payment money. Recently lenders started offering Easy Qualifier loans but at junk bond spreads instead of offering loans at the same rate as fully documented loans which was the custom…
  • Tax Time is Over. Maybe.

    sraskie
    23 Apr 2014 | 5:59 am
    For most folks tomorrow marks the one week anniversary of filing their 2014 tax return. Not much needs to be done after they’ve filed except for deciding to have more withheld in 2014 for those folks who had to write a check to Uncle Sam or deciding what to do with the refund (hint: put it in an IRA) for those folks who got a refund. What happens when the return may have been submitted with mistakes or perhaps costly errors? Generally, if the error is minor the IRS will correct errors or accept returns without certain forms or schedules attached. For those returns that have a change in…
  • Be Careful When Converting

    Jim Blankenship, CFP®, EA
    23 Apr 2014 | 5:00 am
    When converting from a 401(k), traditional IRA, 403(b), SIMPLE IRA, SEP or 457(b) to a Roth IRA there are some important tax considerations to keep in mind. First, converting from a tax deferred plan to a tax free plan it’s not always the best idea. Generally, it’s going to make sense to convert if the tax payer believes that he or she will be in a higher income tax bracket in retirement. For example, John, age 28 has a 401(k) and recently left his employer. He’s currently in the 15% bracket but expects to be in the 28% bracket or higher in retirement. It may make sense for John to…
  • What Happened to the Gold Standard?

    Matthew J. Illian, CFP®, AIF®
    23 Apr 2014 | 5:00 am
    The U.S. dollar was first regulated by the Coinage Act of 1792 and prescribed as 371.25 grains of pure silver. The eagle, worth $10, was 247.5 grains of gold. One cent, worth a hundredth of a dollar, was 24 grains of copper. The value of the metal contained in the currency kept prices relatively constant before the founding of the Federal Reserve. During those 120 years, prices rose only 3%. In contrast, during the 100 years since the Federal Reserve, prices have risen 2,280%. The Constitution gives Congress the power to “to coin money” and “regulate the value…
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    Budgets Are Sexy

  • Our Renters Renewed For Another Year!

    J. Money
    23 Apr 2014 | 2:48 am
    The best thing you can hear as a landlord :) At least of course if they are *good* tenants, as my friend Lazy Man was quick to point out when I announced the good news on Twitter. I asked him why he’d even offer his tenants the chance to renew if they sucked so much anyways?, and he said they tried doctoring the contract so he had to take ‘em to court! Ouch! The joys of rental properties, eh? But this post is about me, not him (sorry Lazy Man ;)) and I’m in the mood to celebrate! Opah! And this now closes out two large questions we’ve been mulling over the last two…
  • 12 Months / 12 Income Streams

    J. Money
    22 Apr 2014 | 2:28 am
    I have a friend who goes by Whiskeytrail. He’s been a reader of this blog for years now, and every few months he emails me with interesting experiments he’s trying out. Currently he’s on a mission to land 12 new income streams, one for every month of the year :) Hoping to “change it up some” and learn a ton in the process. I thought you guys would get a kick out of this (and maybe get a little motivated yourself?) so I’ve copied and pasted the entire last update he shot me below. Which includes these latest endeavors, as well as an update on his own…
  • My A-Ha Moment: Accumulation

    J. Money
    21 Apr 2014 | 2:12 am
    You might have noticed a bunch of A-Ha moments floating around last week as Shannon rocked her Financial Literacy Awareness project. But in typical J. Money fashion, I missed the boat so I’m blabbering about mine today :) And big shock – it has to do with my 401(k) account. (But I promise not to harp on it as much as I did last week, since I’m only permitted one harping per month). Consider today’s post mainly about ACCUMULATION. It happens to use the vehicle of a 401(k) account, but keep your eyes glued strongly to the money parts of the article vs the tool.
  • QUIZ: How Broke Are You?

    J. Money
    18 Apr 2014 | 2:42 am
    Happy Friday, money hoarders! Y’all getting ready for the big Easter weekend? Gonna down lots of food and drink and be merry? I hope so. But before you go to it, make sure to take this quiz my friend Anna found, and then tell all your family members at Easter dinner to do the same. You’ll be the hit of the party ;) Though, I should point out that a majority of these items they categorize under “being broke” is more like “being a financial bad-ass.” So in a way you DO want to check yes for some of them, but at the same time not check any of them off.
  • When Mixing Passion With Hustling Can Fail

    J. Money
    17 Apr 2014 | 2:46 am
    [We've got a great article today by my boy Zee from Work-to-Not-Work.com. He brings up something good to consider while y'all are out there looking for new side hustles!] Most personal finance sites I read have at least 1 post (or entire sections) about having a side hustle. The reasons behind why you should do this usually falls into “diversify your income streams” or simply, “increase your income.” The two ideas go hand in hand so it really doesn’t matter which reasoning you are using because all apply. I’ve been told that the best side hustles are doing…
 
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    Smart On Money

  • How To Handle A Canceled Flight

    Miranda Marquit
    1 Apr 2014 | 10:18 am
    I‘m getting ready for a few months that include quite a bit of travel. While I don’t usually run into problems when I fly, my husband has had a couple of experiences with canceled flights. Twice he’s experienced flight cancellations in the midwest due to tornadoes. And, of course, if you travel during the winter you might run afoul of extreme weather. If your flight is canceled, how you handle it matters. While it’s never pleasant to be stranded, the reality is that you can make the situation better or worse, based on your actions. Here are some things to keep in mind:…
  • Your Grocery Bill Could Rise with Dairy Prices

    Miranda Marquit
    20 Mar 2014 | 8:52 am
    One of the items that consumers have to contend with is inflation. Prices are always going up — even if wages are stagnating. Recently, one of the areas that has seen some rather dramatic inflation is dairy. According to Marketwatch, dairy prices rose 0.7 percent between January and February of 2014, and milk has risen by 10 cents a gallon since September 2013. What does this mean for your grocery budget? It means that you could be spending more at the store. Rising dairy prices mean that you pay extra for more than just milk. Cheese, butter, cream, and other items also cost more when…
  • Can You Trust Your Tax Preparer?

    Miranda Marquit
    14 Mar 2014 | 11:25 am
    My tax preparer is a life saver. Ever since I formed my LLC and began investing, my taxes have been a bit on the complex side. As a result, an accountant prepares my tax returns each year (one for the business, and one for my husband and me, plus our state tax return). This makes my life easier, since I don’t spend hours filling out the forms and tracking down the latest information on tax law changes. I’m fortunate because I trust my tax preparer. My accountant will represent me to the IRS free of charge if I’m audited, and he makes it a point to go over the return with me…
  • 4 Financial Things to Talk About Before Marriage

    Miranda Marquit
    3 Feb 2014 | 8:06 am
    Before you tie the knot, it makes sense to get to know your potential marriage partner. One of the things it helps to know is how your potential partner will deal with finances. My husband and I got engaged after three weeks, and married two months after that. We didn’t have a lot of time to get to know each other — although we did spend a lot of time together talking about important things. We did talk about some money issues, but probably not all the issues we should have. Before you get married, and especially if you decide to merge your finances, here are 4 financial things to…
  • Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff

    Mr. Money
    16 Jan 2014 | 3:58 am
    One thing that always makes me cringe is when I hear about someone who has been asked to co-sign on a loan for a friend or family member. I cringe because I know just how often those situations can turn bad, and how the co-signer can often be left holding the bag. Usually there’s a reason why the borrower is being asked to get someone to co-sign for them.  Because they’ve a risky loan for the bank to make. You Are Liable For A Cosigned Loan The problem with co-signed loans is that far too often people don’t know what they’re signing up for.   They think…
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    Financially Poor

  • Does Saving Excite You?

    Kevin
    21 Apr 2014 | 10:06 pm
    It’s not a question that you often hear asked but there is no denying its positive value especially for those who are concerned about their future; so we ask, does saving excite you? Are you one of those people looking to prepare for the rainy days? If your answer to these questions is “yes”, then perhaps it is time for you to choose a cash ISA account.  For those who are wondering, a cash ISA is much like most savings accounts offered by banks. It offers a great way to stash away a fraction of your earnings and convert it into savings. It is not uncommon for many people today to head…
  • Credit repair – Is it really needed?

    Kevin
    20 Apr 2014 | 12:00 pm
    Credit repair can mean rebuilding your credibility in the eyes of the lenders. While doing this is no overnight activity, it is not an impossible one too. As you know, credit score is the most important thing in individual’s life as by people’s credit score lenders decide weather to lend money or not, to qualify for home loan, business loans, auto loan everything depends on the credit score. Even the rates given on insurance also depend on the credit score of a person. There are firms which give you ways to repair your credit score quickly but most of them are scams so here are some…
  • Prepare to get rid of the hurdles in home loans

    Kevin
    20 Apr 2014 | 11:58 am
    Getting home loans was never as tough as it is today. However, knowing the hurdles you may face in getting these loans can make your work a lot easier and can guarantee your success for approval of the same.  When the situation gets tough everything gets tough. Well, the same applies to loans, the lending business and even the financial status of the individuals. If you are really wondering what we are talking about, you need to just look at a few years back only. The state of recession fuelled by the sub- prime crisis, triggered an atmosphere of uncertainty where people got fear for their…
  • How To Obtain Car Finance With Bad Credit

    Kevin
    19 Apr 2014 | 9:59 pm
    Getting loan for car can be a bit tough if your credit score doesn’t present a positive picture. There are both traditional and modern-day institutes which are eager to lend money to potential car buyers. However, they weigh in all your risks and credit-worthiness before handing you the money and deciding the rate of interest. It can be really difficult to convince a traditional institute like bank to grant you car finance if you are running in bad credit. Even if they do grant you finance, they will charge you very high rates which can cost you a lot more money than you had prepared…
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    Couple Money

  • Launching a Business as a Creative Entrepreneur

    Elle Martinez
    22 Apr 2014 | 6:27 am
    Besides financial independence, I have discovered many couples also want creative freedom when it comes to their careers. For some, getting their financial freedom leads to have the resources to make the leap while others take the opposite approach – they use their creative talents to work their way towards financial independence. Whether it’s with hobby that becomes a business or a side projects that leads to a new career, more and more couples are looking to gaining more options with their time and money. Using Your Creativity to Launch Your Career I’ve written a few times…
  • 10 Ways for Couples to Master Their Money

    Elle Martinez
    15 Apr 2014 | 7:31 am
    One of the most powerful tools you have to tackle and master your finances is not some fancy calculator or new app, but your spouse. You two are in this journey together and that means using this opportunity not just increase your net worth, but to actually becoming closer. 10 Things You Two Can Do to Build Your Net Worth When I first started Couple Money, I shared some tips on building a financial plan together. Now older (and hopefully just a little bit wiser), I’ve adjusted my suggestions and added two more. Whether you are newlyweds or have been married for a few years, there are…
  • Keeping Tabs on Our Retirement Accounts

    Elle Martinez
    7 Apr 2014 | 10:59 am
    Over the last few years as we’ve been working together and I’ve been sharing our progress on Couple Money, you may have noticed a few constant themes coming across in several posts, two of them being automate your finances when possible and save for retirement. I think that one of the most helpful things we have done as a couple is creating a financial system that basically takes care of the essentials so we are freed up to  spend more time on people and activities that matter to us. As working parents, we would honestly rather do other things than looking over everything…
  • Republic Wireless: No Contract Moto G for $149

    Elle Martinez
    25 Mar 2014 | 8:54 am
    If you’re trying to manage your bills, one area where you may be able to save some significant money is by switching your cellphone provider. With many couples, paying for an unlimited family plan for 4 people can set them back about $180-$200/month. How would you like to cut that bill down in half,  $100/month? Starting next month, Republic Wireless is selling the Moto G (starting at $149) , a very capable smartphone. Customers can choose what cell phone plan works best for them, including: Unlimited talk, text, and data on WiFi only – $5/month Unlimited talk and text on WiFi…
  • How Much Should You Tip?

    Elle Martinez
    19 Mar 2014 | 1:29 pm
    I was catching the news this morning and one of the stories caught my eye - how digital transactions affect tipping for services. I thought it fascinating that businesses had seen hikes in the amount of tips collected when they use services like Square to handle their transactions. Lately I’ve noticed more and more business leaving out tip jars and other hints at the register. While I certainly understand that employees are trying to maximize their pay for service, I sometimes get frustrated because I’m trying to figure out what’s appropriate (and that’s even before…
 
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    Beating Broke

  • How a Drop in Income Turned Out to Be a Good Thing

    MelissaB
    22 Apr 2014 | 5:53 am
    Over the last few months, my husband and I have lost some income.  Not a little drop in income.  About 20 to 25% of our monthly income.  And let me tell you, we weren’t earning more than the median income for a family of five to begin with. Our budget was already tight, so when the drop in income happened a few months ago, I’ll admit, I panicked a bit.  I felt a little bit desperate.  I’m sure those of you who’ve been in a similar situation know the feeling. And then I took a deep breath, and told myself we’d be alright.  And we are alright.  We’re…
  • Keeping Up With the Smiths

    Shane
    15 Apr 2014 | 5:54 am
    Keeping up with the Joneses is bad.  We know that.  From a financial perspective, we spend a great deal of our time overcoming the green monster called envy in order to keep our lives in some semblance of financial order.  We know the Joneses down the street with their big, fancy new SUV.  We see them going on long family vacations.  And we know the guy that mows their lawn.  But, we also know that there’s a pretty high probability that they still owe a ton of money on that SUV.  That that family vacation likely was financed through a credit card.  Their entire financial life…
  • Do You Have a Rainy Day Cash Fund?

    Shane
    3 Apr 2014 | 6:03 am
    Everyone should have a rainy day cash fund.  Not an emergency fund.  Although, you should have one of those as well.  No, a rainy day cash fund should be exactly that.  Cash.  Easily accessible, and easily spendable. Ahhh!  Did he just say “easily spendable”?  Yes.  I did.  Why would I say something like that?  Common advice is that you should put your money in an account where it isn’t easily spendable.  Especially your emergency fund.  You don’t want any everyday “emergency” to drain your emergency fund dry.  It’s for real emergencies.
  • Frugal Estate Planning

    MelissaB
    31 Mar 2014 | 6:15 am
    One of the joys of getting married and having kids is that you then must face your own demise.  The poet Donald Hall wrote about this in his poem, “My Son, My Executioner” stating, as a man and his wife look down on their newborn son, “We twenty two and twenty five/who seemed to live forever/observe enduring life in you/and start to die together.” Cheery, thought, eh? Estate Planning Isn’t for the Faint of Heart Yet, if you have children, you must plan for their future should you die while they’re still young.  I know, no one wants to do this.  In fact,…
  • Composting; You’re Doing it Wrong

    Shane
    27 Mar 2014 | 7:17 am
    Each and every year, for the last several years, I’ve said that I plan on finding a space for a compost heap and create one.  Several years ago, I went so far as to take all of the grass trimmings and garden trimmings and dump them into a pile in the back yard.  And that’s where they sat, untended, and somewhat forgotten.  I’m still hoping that this year is going to be the year that I get off my duff and actually create the compost pile that creates actual compost. Every year, we end up buying several bags of garden dirt for our container garden, and it would be really…
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    Savvy Saving Bytes

  • The Best Place to Work When You Die – Google

    SSB
    15 Apr 2014 | 8:37 am
    Researching another topic, I was surprised to come across the super generous benefits Google pays to an employee’s family when that worker dies. Every year for the next 10 years the employee’s spouse or partner will receive half of that worker’s salary. The average yearly income at Google is $141,000. This means the deceased employee’s […]
  • Five Sensible Reasons for Eating Bugs

    SSB
    25 Mar 2014 | 2:41 pm
    Put aside the ick factor and consider this: for many people around the world, eating insects is neither strange, disgusting nor exotic. Bugs are their food, their meals, what they and their ancestors have been eating for ages. Why? Number one – the buggers are packed with powerful nutrition. Comparing iron content, beef has  6 […]
  • Dutch Tulip Mania Began with a Virus

    SSB
    10 Mar 2014 | 6:51 pm
    Contrary to popular thought, tulips didn’t originate in the Netherlands. They arrived as gifts from the Sultan of Turkey just as the Netherlands, enriched by its hugely profitable East Indies trade, was embarking on its Golden Age. Eager to show off their wealth, merchants built estates with luxurious  gardens that showcased this dazzling new flower – […]
  • Why Do Vegetarians Have Lower Blood Pressure?

    SSB
    26 Feb 2014 | 8:24 am
    What’s known for sure is that vegetarians DO have lower blood pressure than meat eaters. Numerous studies have conclusively shown this, including most recently a report in Journal of the American Medical Association: Internal Medicine by Dr. Neal Barnard of Physicians Committee for Responsible Medicine (PCRM). He and his colleagues based their conclusions on at […]
  • Are Stomach Balloons in Your Weight-Loss Future?

    SSB
    3 Feb 2014 | 7:55 pm
    Recently launched in the UK and already used throughout Europe, new weight loss pills that inflate into stomach balloons are now in the investigational stage in the US. Here’s how they work. A patient swallows a large pill attached to a long catheter. Inside the pill is a balloon that’s inflated once the pill arrives […]
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    Owning Gold Blog

  • During times of global uncertainty, buy more gold.

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

    dhkenrick
    14 Dec 2013 | 1:51 pm
    It would be reasonable to think that the price of gold is determined solely by the supply and demand of the physical product – gold bullion. But that is not the case. Most of the “gold” traded each day is paper gold, not physical gold. This paper gold is traded in the form of ETFs, futures and the like. Gold is also leased. And as you probably know, when you want to buy gold bullion you are often given the choice between buying physical gold, allocated gold (which the banks stores on your behalf) and unallocated gold. Unallocated gold is nothing. It’s simply the promise of gold. And…
  • Owning gold – a small downside with a huge upside.

    dhkenrick
    20 May 2013 | 4:19 pm
    When you invest money there is usually a reasonable upside and a huge downside. Just ask anyone who invested their savings in Enron or with Bernie Madoff. Yes, those are extreme examples. But there are thousands of other cases where honest people invested their savings in the hope of a reasonable growth in their savings, but instead lost it all. It was the same with real estate. People invested what they had, borrowed heavily, and hoped that their home would grow in value and cover their debts. But that didn’t happen. Instead they faced foreclosure. They lost everything. Even of you play it…
  • Why you should buy physical gold, not paper gold.

    dhkenrick
    19 Apr 2013 | 6:48 am
    The quick answer to why you should own physical gold is that you can’t trust the banks or your government. Eric Sprout, the billionaire precious metals trader, recently conducted an audit of how much gold the U.S. government has been buying and selling over the last few decades. Here is his conclusion: “We used this framework to analyze supply and demand in the US going all the way back to 1991, which is as far back as the FT900 documents go. Over the span of 22 years, the total amount of gold that the US has exported – above and beyond its supply capability – is almost 4,500 tonnes!
  • I bet you have never seen this much gold before.

    dhkenrick
    9 Dec 2012 | 11:59 am
    Here is a sight you won’t see very often. In fact, I’m not sure this gold vault has ever been made public before. This video shows you just some of the gold that is stored by the Bank of England. As you watch the video, you’ll get a sense of just how much is there, and how much it is worth. Take a look. Seeing all this gold in storage should be reassuring to all of us as owners of gold. First, it confirms the real value of gold as a reserve currency. Central banks don’t own and store gold just because it is rare and shiny. They own it because it represents real wealth, outside of the…
 
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    Compare Australian Credit Cards and Offers

  • Citibank Rewards Credit Card – Classic Card

    Isaiah James Peralta
    28 Mar 2014 | 2:24 pm
    Get rewarded when you spend on the card As Citibank’s base level rewards product, the Citibank Rewards Credit Card – Classic offers one Citibank Rewards point for every dollar spent on eligible purchases. Cardholders can earn up to 60,000 points in a year with points being capped after this point. If you use your card [...] The post Citibank Rewards Credit Card – Classic Card appeared first on Compare Australian Credit Cards and Offers.
  • Spending over your credit limit

    Matt Corke
    27 Mar 2014 | 9:14 pm
    Lenders that let you spend over your credit limit, and charge you for it. Do you often spend over your credit limit? If the answer is yes then you’re probably familiar with credit card overlimit fees. It’s when you to spend over your credit limit, even by as much as a dollar or two, either [...] The post Spending over your credit limit appeared first on Compare Australian Credit Cards and Offers.
  • The Low Rate Credit Card from American Express

    Jeremy Cabral
    26 Mar 2014 | 3:00 pm
    Features of the Low Rate Credit Card American Express is offering cardholders a range of features with this card that make it a viable option to consider. Annual fee. The card comes with an annual fee of . Balance transfer offer. American Express is offering a balance transfer rate of for up to months, with [...] The post The Low Rate Credit Card from American Express appeared first on Compare Australian Credit Cards and Offers.
  • Citibank Signature Rewards Credit Card

    Elizabeth Barry
    3 Mar 2014 | 2:48 am
    Features Promotional balance transfer rate. If you have an existing balance you can bring it over to the Citibank Signature card for a low rate for up to months. Interest free period. Cardholders can enjoy up to days interest free on purchases. Additional cardholders. You can add up to four additional cardholders over the age of 16 for [...] The post Citibank Signature Rewards Credit Card appeared first on Compare Australian Credit Cards and Offers.
  • Compare Low Interest Rate Platinum Credit Cards

    Marc Terrano
    25 Feb 2014 | 10:11 pm
    Take advantage of platinum credit cards with all the bells and whistles, including competitive interest rates. There is something to be said about platinum credit cards and interest rates. While they offer complimentary insurance, lucrative rewards offers and travel benefits, it’s hard not to be enticed by the generous incentives these cards offer. But what [...] The post Compare Low Interest Rate Platinum Credit Cards appeared first on Compare Australian Credit Cards and Offers.
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    Good Financial Cents

  • 9 Money Tips Every College Student Should Know So They Don’t Graduate Broke

    Jeff Rose
    22 Apr 2014 | 8:30 am
    I knew nothing about managing money in college. Even though I was a finance major, I was horrible at actually managing money. How horrible?   How about unnecessary student loan debt, 2 credit cards nearly maxed out, and literally nothing in my savings account even though I had two part-time jobs and National Guard money coming in each month. (I share many of early money struggles in my book, Soldier of Finance) Yes, that horrible. I can’t go back in time and make it right.  Trust me, there’s many times I wish I could. What I can do is make sure that other college bound kids…
  • GF¢ 025: Top 6 Mistakes That Will Screw Up Your Retirement

    Jeff Rose
    13 Apr 2014 | 11:48 am
    No one likes to get screwed. It’s not a fun feeling and personally it irritates the crap out of me. But what happens when you screw yourself? That’s definitely not cool! I’ve been a financial advisor for over 12 years now and I’ve seen plenty of people screw themselves out of a successful retirement. The most frustrating aspect on my end is that many of it could have been avoided if the person took a little bit of time to review their situation. Fact: More people spend time planning their family vacation than they do preparing for retirement. Don’t be one of…
  • IRS Gifting Rules for 2014

    Jeff Rose
    11 Apr 2014 | 11:15 pm
    The holiday season is already behind us but that doesn’t mean you still can’t give the perfect gift. In the financial world, the term gift has a whole new meaning as it pertains to estate planning. Many investors look to “gift” a portion of their estate to prevent having to pay a hefty estate tax down the road. If you want the bottom line about the gifting tax here it is: If you make gifts to friends or family that is large enough, there is the possibility that you may owe the federal government some tax money. Of course, you probably want more information about the…
  • Changes to the Child Tax Credit for 2014

    Jeff Rose
    9 Apr 2014 | 10:19 pm
    If you’re like me, you like to get every tax credit that you can. Why not, right? It’s like buying something that you know you are going to have to buy, and having a coupon for it. It would be silly not to use it. The only problem with tax credits is that it’s hard to keep track of them all. One such credit is the Child Tax Credit. Here are the rules behind the tax credit of 2014; see if you qualify. Who Can Claim the Child Tax Credit? Families who earn under $130,000 a year and have one or more dependent children under the age of 17 may take advantage of the Child Care Tax…
  • GF¢ 024: How to Buy Back More of Your Time With Outsourcing

    Jeff Rose
    9 Apr 2014 | 1:34 pm
    Chris Ducker is the outsourcing king. He runs an outsourcing company that helps small business owners grow their business, and has also automated his own business to “buy back” more of his time, so he can spend it doing what he loves. In short, Chris Ducker is my hero. Summary: Chris Ducker moved to the Philippines, set up a successful business as an outsourced call center. After deciding to blog about the process of becoming a virtual CEO, a comment on one of his posts gave him the idea to create http://www.virtualstafffinder.com , to help people find quality virtual assistants.
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    Cash The Checks

  • How to Get Cash for Your Old Electronics

    Edwin C.
    22 Apr 2014 | 6:54 pm
    How much cash are you hoarding? According to CNN Money, the average household has more than $7,000 worth of stuff sitting around. That’s not including big ticket items like TVs and furniture, either. But what may surprise you is how much old and broken electronics are worth. Even though you’ve upgraded your phone, tablet, or other electronic device, your old one may still be worth hundreds of dollars. Of course, how much money you can get varies by make, model and condition. Here are 4 places to sell your unused gadgets. eBay With eBay you are almost eliminating the middle man.
  • I Received A Credit Limit Increase With Capital One

    Edwin C.
    18 Apr 2014 | 8:54 pm
    Today I got quite the unexpected surprise in the mail. Capital One sent me a letter and I figured it was more spam like a car loan, home loan or credit card offer. I was just going to throw it away like I do with the other junk mail I get on a daily basis. What The Letter Said But boy am I glad I didn’t. I opened it up and I was pleasantly surprised to find a note stating they had raised my credit limit on my credit card. They didn’t just raise by a little bit. They raised it by $5,000. So I went from $7,500 to $12,500 right away. What This Means To My Credit Score No I’m…
  • 5 Ways To Make Life Insurance More Affordable

    Edwin C.
    8 Apr 2014 | 12:20 am
    It seems like every year the price of well, just about everything goes up, but wages remain the same. It’s not just groceries, gas and home prices that increase, but also the cost of insurance and other things that responsible adults have to buy. Life insurance is a great example of something that gets more expensive as you age. Young people often pass on life insurance, especially if they don’t own a home or have a family. Once you get married, all of a sudden it becomes important to make sure those you love are covered financially in the event of a catastrophe. If you think that life…
  • Should Homeowners Prepay Their Mortgages?

    Edwin C.
    29 Mar 2014 | 1:23 pm
    Paying off a home mortgage is a wonderful milestone of adulthood. It allows homeowners to rid themselves of one of life’s biggest debts. It’s natural to think about doing this ahead of schedule to save on interest payments and reduce debt. Why wait 10, 20 or 30 years for the financial and emotional freedom that mortgage-free living could bring? Paying off mortgages early is absolutely the right decision for some homeowners, but not for everyone. Before taking the plunge, examine existing debt, savings and future life expenses. Living debt-free is not the most important factor in a…
  • 4 Home Improvements That Will Save You Money

    Edwin C.
    24 Mar 2014 | 10:47 pm
    TV shows and commercials make home improvement projects look fun, but that’s anything far from the truth. Because of the work required in DIY projects, many home owners put off basic repairs and other projects that can save them a lot of money in the long run. If that sounds like you, it’s time to stop procrastinating and finally take care of some home improvement projects that can actually save you money in the long run. The Basement For those that live in a humid climate, installing a dehumidification system can be a cost-saver. Getting rid of the humidity in the basement will make your…
 
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    Financial Highway

  • How Much Should You Give Your Kids for Allowance?

    Miranda
    22 Apr 2014 | 4:00 am
    Chances are that you want to provide your children with opportunities to learn about responsible money management. As a parent, I want to make sure my son understands the importance of making good choices, and that he gets off to a good start with good money habits. However, your child can’t learn how to manage money if he or she doesn’t have any money to take care of. This is where allowance comes in. You might decide that you want your child to do certain chores in order to “earn” an allowance, or you might just allot some money for him or her to use. (I myself…
  • Ready, Set, Build A Better Business

    Guest
    21 Apr 2014 | 3:00 am
    Folks dissatisfied with their present careers (or lack of) are good candidates to make their dreams of working for themselves come true. All it takes is the right idea and the dedication necessary to draw up a plan and stick with it. Not everyone is cut out for the entrepreneurial life however, and knowing when to quit one’s day job and go for it is often a matter of good timing and having an understanding of opportunity when it knocks. Step One: Is There A Market For Your Product or Service? So you want to be your own boss? Great, the very first thing that you should consider doing is…
  • How to Get the Best Gas Mileage for Your Buck

    Guest
    16 Apr 2014 | 4:25 am
    According to Gas Buddy, you have to go all the way back to 2010 to find a time when drivers paid under $3 for a gallon of gas in the U.S. Given this upward trend in gas prices, it’s no wonder so many people are thinking about ways to improve their vehicle’s gas mileage. Here are seven strategies for getting the best gas mileage for your money. Know Your Starting Point Even though owner’s manuals or dashboard displays may offer you a specific fuel efficiency level for city and highway, many people feel these numbers overstate your car’s gas mileage. So, figure it out…
  • Top 8 Ways to Prevent Financial Loss

    Guest
    15 Apr 2014 | 4:00 am
    When dealing with financial loss, plenty of us will experience serious problems in the short and long run. While not always easy to avoid, if you employ a proactive approach and take steps to protect you and your loved ones, you can avoid problems. Here are the top eight ways to prevent financial loss. Insurance: You need to carry home, health and car insurance. If you rent, you need renter’s insurance. With adequate coverage, you will protect you and your family in case of a serious catastrophe. Otherwise, with one car accident or health scare, you can lose plenty of money and end up in…
  • Step 1 For Setting Up Your Future: Getting Your Finances in Check

    Guest
    1 Apr 2014 | 4:00 am
    When you want to get your finances in order, you will face an uphill battle if you do not have a plan. While this is true, if you devise a smart strategy, you will enjoy long-term success and will not deviate from your plan. While this sounds easy, it is not always the case. Here is a short guide to get your finances in check by organizing your bill pay functions. Online options: Without a doubt, if you want to pay your monthly bills on time and without taking a long time to send a letter and fill out the envelope, you should head online. When doing so, you can make payments on time and…
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    Credit.com

  • What Will a Bad Credit Score Cost You on a Home?

    Gerri Detweiler
    22 Apr 2014 | 9:01 pm
    You’ve heard mortgage professionals and personal finance experts practically harp on you to check your credit well in advance of getting a mortgage and you may or may not have taken their advice. But what if you knew that better credit could save you enough to pay for your kid’s college education — or even two of them? Or that you could buy a new car or two, for cash, with the money you saved? Would that motivate you enough to make sure your credit is as accurate, and as strong, as possible? Those are very real savings that can be achieved today. Here’s an example. Based on recent…
  • What Your Credit Reports Won’t Tell You

    Christine DiGangi
    22 Apr 2014 | 9:01 pm
    A credit report is a pretty simple concept: It’s a report on your past use of credit and loans. That part is generally pretty easy for people to grasp. It’s some of the other stuff on the report — and the stuff that’s not on the report — that confuses some and leads to misunderstanding the credit report’s purpose. As a consumer, it’s important for you to review your credit reports regularly, because inaccuracies can seriously harm your credit standing. You’re entitled to a free annual credit report from each of the three major credit reporting…
  • How to Make Your Taxes Way Easier Next Year

    Christine DiGangi
    22 Apr 2014 | 9:01 pm
    The secret to tax success is apparently a multi-pocket file folder. I know you’d probably like nothing more than to forget about taxes for the next several months. Some of you will certainly go about 50 weeks before you get going on another tax return, but your life will likely be much less hectic next April if you take a minute to think about what you might learn from your most recent tax year. I’m here to tell you that early 2015 does not need to be riddled with tax stresses. If the idea of reduced stress hasn’t intrigued you, perhaps this will: Planning ahead for your…
  • I Sold My Dream Home So I Could Retire Debt-Free

    Gerri Detweiler
    22 Apr 2014 | 9:01 pm
    Call it a revelation, a crisis, a turning point — or all three — but while writing her latest book, The Smart Women’s Guide to Retirement, Mary Hunt realized she had to make a life-changing decision. Years before, she dug out of more than $100,000 in debt without declaring bankruptcy. Now she found herself facing a hurdle that appeared almost as daunting: taking her own retirement planning advice and selling her dream home. For the first time, Mary shares the details of this difficult but life-alerting decision. Mary, you’ve written numerous books about debt and personal…
  • How to Pick a Debt Payoff Strategy

    AJ Smith
    22 Apr 2014 | 9:01 pm
    The idea of beginning to save can seem impossible when you are carrying a large amount of debt. In fact, sometimes just figuring out how to pay off your debt can be difficult. There are some strategies financial experts advise when it comes to deciding how to take care of your debt. Here’s how to decide which is right for you. Different Kinds of Debt It’s important to have a clear picture on your entire financial situation. Listing all your debt may be depressing, but it can help get you started on a road map to get rid of it. Think of your list of debts as a starting point and imagine…
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    StepChange MoneyAware

  • The MoneyAware taste test: risk it for a (chocolate) biscuit?

    Rachel
    16 Apr 2014 | 7:34 am
    It’s the battle of the biscuits! Ah, the humble chocolate biscuit. What can be more sublime than making a nice cup of tea (or coffee, if that’s your thing…) and dunking a delicious disc of chocolatey goodness into your brew?  That statement alone is enough to spark fiery debate at MoneyAware HQ. “You dip chocolate biscuits in tea?” Pavan gasped. “What are you, some kind of savage?” Not to mention that several people on our team swear blind that you can tell no difference between a famous brand of chocolate biscuit and a no-name brand chocolate biscuit. With choccy…
  • March debt news – know your rights

    StepChange MoneyAware
    7 Apr 2014 | 8:07 am
    March debt news March came and went and with it the official start to summer. While we wait for the sun, here’s this month’s debt news… Bailiffs are dead, long live bailiffs From April 6th bailiffs are getting a name change. They’ll be forever known as enforcement agents.  This is part of the changes to bailiff law which intends to make the whole process clearer and easier to understand.  Much of the legislation has remained the same for hundreds of years. Medieval language will be replaced with plain English terms and terms like ‘warrant of execution’ will be dropped.
  • What help can I get towards my childcare costs?

    Pavan
    7 Apr 2014 | 2:28 am
    They’re totally worth it! The big events in life keep getting more and more expensive. Owning a house, getting married, travelling the world, having kids, even learning to drive and owning a car is becoming too expensive. Most people would consider a house to be the biggest expense you’ll ever have, but recent figures have shown that childcare costs are similar to the average annual UK mortgage payment (which was estimated at £7,207 in 2012). This, along with the statistic that it costs an average of £227,000 to raise a child could be enough to put anyone off having kids…but as we…
  • How can I reduce my childcare costs?

    Pavan
    7 Apr 2014 | 2:25 am
    Choose the right childcare for you and your child There are so many options out there when it comes to childcare. Having recently been through the turmoil of entrusting the most precious thing in my life into the hands of relative strangers, I totally empathise with anyone having to do the same! No matter what you choose, it’s important that you plan early. There may be waiting times if your area is oversubscribed so thinking ahead will help to ensure that you’re not forced into making a decision. You’ll ultimately go with your gut instinct and what you feel is best for you and your…
  • 6 truths about debt I’ve found from working at StepChange Debt Charity

    Matthew
    2 Apr 2014 | 2:00 am
    Peer, Pav and Mat back in the early days of the MoneyAware team As this is my last blogpost for MoneyAware and my last day as an employee of StepChange Debt Charity I wanted to sum up what I’ve learned in my six years working here. I started at the height of the credit crunch, and debt was a subject on everyone’s lips. In my time here the economy has been in turmoil and there’s been a squeeze on wages that has affected most people. My first job in the charity was as an IVA drafter in our sister company StepChange Voluntary Arrangements (this was in the days when the charity was known as…
 
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    Free Money Wisdom

  • The Essentials of Silver Investing Under New Fed Leadership

    Jon the Saver
    7 Apr 2014 | 4:31 pm
    The following post is by David Parker from www.easy-forex.com. Silver investing is a great way of entering the commodities markets as it allows traders to diversify their investment portfolio with a safe haven asset. It also has the added attraction as it goes through periods of volatility giving great trading opportunities. With the change of chair of the US Fed we could see some interesting trading for silver. Since the beginning of the latest global financial crisis in 2008, the number of investors who went in search for alternative investments grew dramatically. The downhill slide of…
  • Four Mistakes I Realized after Years of Blogging

    Jon the Saver
    3 Apr 2014 | 10:04 am
    I’ve been blogging for some years now and during that time I’ve seen plenty of ups and downs. I’ve seen projects come and go, bloggers start and stop, and revenues grow and crash. I guess if they say hindsight is 20/20, then this is that time when it all makes sense. What I want to do in these following items is to share some of those mistakes I’ve made and hopefully help you avoid disruptions that could cloud your blogging horizon. 1. You can get too involved There is a dilemma at this time in my years of blogging: I’m in too deep. Those first few months (and years) are kind of…
  • How Studying Online Can Save You Money

    Jon the Saver
    27 Mar 2014 | 1:05 pm
    Online learning has become a very popular option because it is so accessible and easy to work into your schedule. There is no need to commute or change your work schedule to take an online class, and you can generally study at your own pace. However, there is one perk of online learning that is often overlooked: substantial financial savings! Compared to traditional brick-and-mortar classes, online courses save you money in several ways: Back to School Shopping- If you’re studying at home, there’s really no need to stock up on a back-to-school wardrobe. Other than a new pair of…
  • Looking Ahead: Five Types of Insurance That Save You Big in the Long Run

    Jon the Saver
    18 Mar 2014 | 12:11 pm
    Insurance is a necessity to safeguard your assets. In the event of a car accident, fire, or medical emergency, having insurance is a way to make sure you don’t have to cover the costs yourself. So what kind of insurance policies should you have? These five types of insurance are important for everyone. Automobile Insurance At least some level of auto insurance is required in all U.S. states, but you should consider purchasing more than the minimum liability insurance. If you are involved in an accident that causes injury or property damage, you could face an extremely costly lawsuit. Even…
  • Making Big Profits with a Powerful Shopping Cart

    Jon the Saver
    13 Mar 2014 | 9:29 am
    Making Big Profits with a Powerful Shopping Cart More and more people are using the Internet to take part in one of the greatest wealth creating opportunities, running their own business. But making big profits right away isn’t always easy, and with positive cash flow crucial for a small business to cover original startup costs and overhead expenses, many small business owners can get overwhelmed. Many are so focused on doing what they need to cover their expenses now, they tend to overlook things they could do to grow profits in the future. All small business owners have the resources…
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    Help Me To Save

  • I’d Like to See an Index Linked Personal Pension Fund

    Karen Bryan
    21 Apr 2014 | 11:41 pm
    When doing my evaluation of the recently announced changes to access of personal pension pots, I came up with the idea of an appealing product – an index linked personal pension fund. This pension fund would retain the spending power of your pension pot by being annually uprated by the rate of inflation, using the […]I’d Like to See an Index Linked Personal Pension FundHow to save money. Copyrighted content published on Help Me To Save.
  • Review of Travelodge Edinburgh Central Waterloo Place

    Karen Bryan
    18 Apr 2014 | 12:08 am
    I stayed at the Travelodge Edinburgh Central Waterloo Place for one night in February 2014. I booked the room three weeks in advance of my stay. At the time, the price was £32 on a Flexible Rate, which you can cancel free of charge up to the day of arrival, or £30 on the non-refundable […]Review of Travelodge Edinburgh Central Waterloo PlaceHow to save money. Copyrighted content published on Help Me To Save.
  • Check Minimum Monthly Payments on 0% Balance Transfer Cards

    Karen Bryan
    15 Apr 2014 | 12:01 am
    With cashback earned on a couple of my credit cards falling, I’ve been investigating if I could earn more by going for a 0% balance transfer card with a long 0% period and a low transfer fee. Every month, I either pay off the credit card balances in full, or for my 0% interest on […]Check Minimum Monthly Payments on 0% Balance Transfer CardsHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #78

    Karen Bryan
    11 Apr 2014 | 11:27 pm
    The My Money Podcast #78 summarises the recent articles below. listen to ‘My Money Podcast: #78: Recent Articles Roundup’ on Audioboo Subscribe to the My Money Podcast from Help Me To Save in iTunes Nationwide Regular Saver Cash ISA - This account pays a variable interest rate of 2.5% and is suited to savers who […]My Money Podcast #78How to save money. Copyrighted content published on Help Me To Save.
  • Would a ‘Two Together’ Railcard Save You Money?

    Karen Bryan
    11 Apr 2014 | 12:02 am
    There’s a new kid on the block in the railcard stable – the ‘Two Together’.  This new rail discount card offers two people travelling together one-third off most rail tickets on off-peak services for an annual fee of £30. The ‘Two Together’ railcard is not transferable, as it has photos of both holders on the […]Would a ‘Two Together’ Railcard Save You Money?How to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • I Cosigned on a Loan That’s Defaulted. Now What?

    lindsay
    22 Apr 2014 | 3:50 pm
    “Neither a borrower nor a lender be, for a loan oft loses both itself and friend.” So says William Shakespeare, and he wasn’t referring to taking out a mortgage, but borrowing money from a friend. He also wasn’t aware of cosigning a loan, because by cosigning you are taking on the responsibility for paying that loan if it goes delinquent. Alas, I speak from personal experience. Understand your obligation First, don’t ever cosign for a loan unless you have the means to repay it. You should assume the loan will go bad, and be prepared to have to make good on it. Never assume the…
  • These Are The 10 States With More Men Than Women

    Julia
    22 Apr 2014 | 2:14 pm
    Source: 2010 US Census
  • Broken a Resolution to Pay Off Your Credit Card? Get Back on Track With These Tips!

    lindsay
    22 Apr 2014 | 1:51 pm
    Making New Year’s resolutions is an annual event. Unfortunately, most of us give up on those goals pretty quickly, reverting to our bad old habits by the time Groundhog Day rolls around. If you neglected a New Year’s resolution to pay off your credit card debt, don’t worry — the Nerds have some ideas for getting your good intentions back on track even at this late date. Take a look at our tips below. 1. Evaluate what went wrong Find the reason you didn’t follow through. Did you run into a big emergency where you relied on your card to pay the bill? Did you forget about your…
  • How to Really Deal With Debt Collectors

    lindsay
    22 Apr 2014 | 11:49 am
    For whatever reason, you’ve gotten that call. It’s from a collection agency, or attorney, or a debt collector. Maybe you didn’t realize you’d defaulted or went delinquent. Maybe a creditor jumped the gun and sent you to collections for being one day late. The point is you must deal with this issue immediately so that it minimally impacts your credit score. Know your rights and play hardball First of all, know your rights under the Fair Debt Collections Practices Act by clicking here. Next, we’re assuming that you are honest, and want to fulfill your obligation as best you can. That…
  • Earth Day and Green Banking Q & A

    nico
    22 Apr 2014 | 9:36 am
    Since 1970, Earth Day has been a driving force for increasing environmental awareness and supporting sustainable living. After its launch in the U.S., Earth Day is now supported by millions of people around the globe. Its impact is evident not only in new laws focused on improving the environment, but also in the changes ordinary people have made in their day-to-day lives to reduce their carbon footprint. But sustainable living doesn’t apply only to the food you eat and the car you drive. Did you know that you can also bank green? To find out more about how a green bank operates and how…
 
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    Card Hub

  • Ask The Experts: Evaluating the CFPB’s Final Rule for Stay-at-Home Parents & Credit Cards

    Odysseas Papadimitriou
    16 Apr 2014 | 4:52 am
    Say what you will about the NRA and the AARP, the most powerful lobby around might be that of motherhood.  Just think:  public pressure from women’s groups in the interest of stay-at-home mothers actually led the Consumer Financial Protection Bureau to go back and tweak the landmark CARD Act of 2009 – legislation enacted to reform the personal finance landscape. The Change That Sparked a Movement You see, the CARD Act contained a so-called “ability-to-pay” clause which required banks to abandon the long-held practice of evaluating household income and personal debts in making credit…
  • Ask the Experts: If I Could Make One Change to the Tax Code, I Would…

    John Kiernan
    14 Apr 2014 | 10:15 am
    In this edition of our “Ask the Experts” series, we at Card Hub surveyed authorities on tax policy from around the country about how they would choose to alter the tax code in an ideal world. With tax season in full swing, the economy still floundering, and the federal government’s budget mess yet unresolved, it seems that no one is immune to money woes these days.  That’s not likely to change anytime soon either, what with Congress acting like kids on a cross-country road trip and the economic recovery doing its best impression of the University of Maryland mascot. We can still…
  • 2014 Credit Card Landscape Report

    John Kiernan
    8 Apr 2014 | 5:17 pm
    CardHub’s quarterly credit card landscape reports take the pulse of interest rates, rewards and fees across the credit card market. This analysis unearths market trends of great significance to consumer sentiment, banking industry operations, and our overall economic stability and can be leveraged by consumers and industry professionals alike. Q1 Main Findings Data & Graphs Other Years’ Reports Q1 Main Findings Interest Rates Credit card interest rates were higher across the board during the first three months of 2014 relative to the same period last year – rising an average of…
  • What is a Good Credit Score?

    Odysseas Papadimitriou
    27 Mar 2014 | 12:07 pm
    The FICO credit score is what most banks and lenders use, and anything in the 660-720 range is considered a good credit score under the FICO model (the higher the better). However, there are more than 1,000 different types of credit scores, and they often utilize different score ranges. So, what’s a good credit score under one model might not be considered good under another. For example, 700 would denote good credit if it’s from FICO but would be below the good credit score range of the Vantage scale. The chart below shows the breakdown for the two most popular credit scores. Why is Good…
  • Ask the Experts: How Can We Improve Financial Literacy in the U.S.?

    John Kiernan
    27 Mar 2014 | 10:23 am
    Despite signs of economic recovery, it seems like the list of problems standing in the way of a secure financial future for the U.S. is getting longer by the day. From out-of-control student loan debt and habitual consumer overleveraging to Medicare insolvency and an overcomplicated tax code, we clearly have a lot to figure out in a political landscape that’s far from conducive to progress. Underpinning, and perhaps exacerbating, all of these problems is the disturbing lack of financial literacy in this country. Far too many people know far too little about personal finance, and our poor…
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    Forex Research Blog

  • USDJPY: Sells Off, Target Additional Weakness

    FXTechstrategy Team
    23 Apr 2014 | 3:27 am
    USDJPY: With USDJPY breaking out of consolidation to the downside, there is risk of further weakness. Support lies at the 102.00 level with a breach of here targeting the 101.32 level where a violation will aim at the 100.75 level and then the 100.00 level followed by the 99.00 level. On the other hand, resistance resides at the 102.72 level where a break will aim at the 103.00 level. A breach will turn focus to the 103.50 level. Further out, resistance is seen at the 104.00 level and then the 104.50 level. Its daily RSI has turned higher supporting this view. On the other hand, On the whole,…
  • AUDUSD: Strengthens, Faces Further Bull Risk

    FXTechstrategy Team
    22 Apr 2014 | 1:27 am
    AUDUSD: The pair seems to have ended its correction and triggered a recovery higher during early morning trading today. Support lies at the 0.9303/7 levels. A reversal of roles as support is likely to occur here. Further down, support comes in at the 0.9250 level followed by the 0.9200 level where a break will turn focus to the 0.9166 level. On the upside, resistance resides at the 0.9400 level where a break will aim at the 0.9460 level. Further out, resistance is seen at the 0.9500 level and subsequently the 0.9550 level. All in all, the pair remains biased to the upside on bull risks medium…
  • CRUDE OIL: Vulnerable To The Downside On Correction

    FXTechstrategy Team
    21 Apr 2014 | 2:24 pm
    CRUDE OIL: With the commodity closing lower the past week, further downside pressure is envisaged. Despite its present price hesitation our immediate outlook on Crude Oil remains lower. On further weakness, support comes in at the 102.94 level where a breach will aim at the 102.04 level. A cut through here will target the 100.68 level with a push below here if seen exposing the 99.93 level. Further down, supports are seen at the 99.81 level and the 98.86 level where a breach will set the stage for a move towards the 98.00 level. Conversely, resistance comes in at the 104.98 level. A breach of…
  • GOLD: Extends Weakness On Bearish Momentum

    FXTechstrategy Team
    20 Apr 2014 | 6:45 pm
    GOLD: With GOLD continuing to maintain its downside bias, further decline continues to be envisaged. However corrective recovery may occur in the new week. Support lies at the 1,280.00 level where a break will pave the way for a run at the 1,277.58 level. A turn below here will shift focus to the 1,250.00 level followed by the 1,230.00 level. Its weekly RSI is bearish and pointing lower supporting this view. On the upside, resistance is seen at the 1,318.30 level where a violation will target the 1,331 level. Above here if seen will trigger further gains towards the 1,359.00 level followed by…
  • EURUSD: Faces Bear Threats.

    FXTechstrategy Team
    20 Apr 2014 | 6:55 am
    EURUSD: With the pair closing lower the past week, a continuation of that weakness is envisaged in the new week. Support lies at the 1.3779 level where a break will aim at the 1.3737 level followed by the 1.3676 level. Further down, support stands at the 1.3600 level where a violation will target the 1.3550 level. Its daily RSI is bearish and pointing lower supporting this view. Conversely, medium term outlook on EUR remains higher but will have to recapture the 1.3966 level to annul its present bear pressure. Further out, resistance resides at the 1.4000 level, its big psycho level. All in…
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    CreditDonkey

  • New Survey: 39.4% Have Less Than $500 in Savings

    23 Apr 2014 | 12:00 am
    Four in 10 people have not set aside at least $500 in savings, according to a new 2014 survey by CreditDonkey.com, a credit card comparison website. That leaves a very small safety net for emergencies and is pretty risky. For those with lots of assets or large families, $500 can go very quickly in a crisis. Just one week out of work or a broken-down car could send those without an emergency fund into an ugly place — one where they are overly dependent on credit or become delinquent payers ...
  • Orbitz Credit Card Review: 2% Rewards with No Annual Fee

    22 Apr 2014 | 4:00 am
    Travel-related credit cards have a reputation for high annual fees, confusing reward structures, blackout dates, and frequently unrealized paybacks. There’s a new card on the market, from online travel site Orbitz, which goes against that grain. When used as intended, the Orbitz Rewards Visa Card can provide travelers some serious breaks on their vacation budgets.
  • Study: Happiest Cities in New York

    22 Apr 2014 | 12:00 am
    The state of New York is one of the epicenters of the global media, finance, and entertainment industries, and, by extension, is home to some of the coolest companies in the world. But sometimes it’s really hard to drag yourself out of bed every morning if the pay isn’t that good, the job’s not that fun, and the office is boring.
  • What to Buy (and Not Buy) in May

    21 Apr 2014 | 12:00 am
    The month of a May offers a huge lead-time for deal hunters. You have the whole month to plan for some big savings; with Memorial Day weekend and its reliable three-day opportunity for price breaks, you can score some discounted purchases to round out your spring organizational tasks or start your summer off right.
  • Study: Happiest Cities in California

    15 Apr 2014 | 12:00 am
    California is home to some of the coolest industries - and by extension, some of the coolest jobs - in the world. But it’s still hard to drag yourself out of bed every morning if the pay isn’t that good, the job itself isn’t that fun, and the office is boring. That reality goes double in California, where for many residents, the commute to work involves a clogged eight-lane freeway filled with angry drivers who have 45-plus minutes before getting to their destination.
 
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    Rhonda Sherwood

  • Your Home Equity May Not Be Enough to Fund Your Retirement. Why It Makes Sense to Diversity

    Rhonda Sherwood
    21 Apr 2014 | 6:35 am
    Many people, especially people living in major cities where the price of real estate is quite high, see their homes as an important asset. Owning a home is one of the most important purchases we make, but you don’t want to make the mistake of thinking of the place where you live in the same way as you would an investment property. Ideally, you wouldn’t want to have to tap into your home equity as a source of income to fund your retirement right away; it would be kept as part of a backup plan in case something unexpected occurred. Why Your Home Equity May Not Be Enough to Fund Your…
  • Can You Save for Retirement and Help your Adult Children Too?

    Rhonda Sherwood
    14 Apr 2014 | 5:48 pm
    When children are grown up, parents provide food, shelter, and the resources they need to grow up to be responsible adults. We assume that our children will grow up, leave the nest and strike out on their own at some point. They will finish their education, establish their own families and we’ll have a quieter, emptier nest to deal with. For this generation, the reality has not been like that at all. According to reports, 60 percent of parents are providing financial support to their children well into adulthood. In some instances, these young adults are still receiving money from their…
  • Why You Should Introduce Your Adult Children to Your Financial Advisor

    Rhonda Sherwood
    9 Apr 2014 | 2:03 pm
    Even though we have become more open about many subjects, the topic of money is one that many of us find difficult to discuss, even when our children have grown up. You should introduce your adult children to your financial advisor once you have established a good working relationship. It will benefit all of you. Let’s say that you have covered all of your financial bases properly and you have made a will and you have a power of attorney in place. You know the details of your estate and your assets and where all of your accounts are held. You have also thought about where you would like to…
  • Three Tips to Spring Clean Your Financial House

    admin
    17 Mar 2014 | 5:00 pm
    As soon as the temperature starts to warm up, we start to think about cleaning out those those cobwebs hiding all the nooks and crannies of our homes. And although our intentions start off really well, somehow we always find an excuse to dodge the hefty job of cleaning our “financial house”. This is usually the largest and most cluttered area that we need to sort through. How to Spring Clean Your Financial House Here are three simple strategies to help make decluttering and reorganizing your financial papers a less daunting task: 1. Preparation First, we must understand what makes…
  • Is Your Financial Plan Flexible Enough to Include Caring for Your Elderly Parents?

    admin
    10 Mar 2014 | 3:05 pm
    If you are caring for your own children and your elderly parents, you are not alone. Welcome to the Sandwich Generation – and you’re in good company. According to a survey conducted by Ipsos-Reid, one in three Canadians between the ages of 45 and 60 are caring for older family members. The brunt of this unpaid caregiving falls squarely on the shoulders of middle-aged women. Statistics Canada has released figures which show that women within this age group are spending 26.4 hours a month caring for an elderly parent. Given these figures, the question becomes not will you be looking…
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    Recent Blog Posts

  • Filing Bankruptcy without Your Spouse in California, Part 2

    10 Apr 2014 | 11:07 pm
    In my last blog post I discussed how, in a community property state like California, property in a marriage is either "community property" or "separate property," and how those types of property are treated if only one spouse files bankruptcy. The couple's entire community property is included in the individual spouse's bankruptcy (not just that spouse's half of it), as is his or her separate property. The bottom line of that last blog post was that filing bankruptcy individually (instead of both filing jointly) generally only makes sense—at least from a…
  • Filing Bankruptcy without Your Spouse in California, a Community Property State: Property Issues

    9 Apr 2014 | 4:19 pm
    IF BANKRUPTCY IS A FEDERAL COURT PROCEDURE, WHY DOES CALIFORNIA LAW MATTER? Even though the U.S. Constitution gives the federal government the power "to establish . . . uniform laws on the subject of bankruptcies throughout the United States" (Article 1, Section 8, Clause 4), state laws still have a tremendous role in how bankruptcy cases work. For example, state laws to a large degree govern the basic rights between debtors and creditors, and also the rights between spouses. As a result, it is state law that determines under what circumstances a creditor of one spouse can force…
  • Can I Buy a Vehicle During a Chapter 13 Bankruptcy?

    6 Mar 2014 | 5:36 pm
    Chapter 13 "adjustment of debts" is an incredibly good tool for dealing with many situations, often much better than Chapter 7 "straight bankruptcy." If you owe income or property taxes, are behind on child support or your mortgage, have a second mortgage or vehicle loan you have trouble paying, or any other situation not handled well by Chapter 7, you definitely want to check out the potential benefits of Chapter 13. HOW FLEXIBLE OR RIGID IS CHAPTER 13 GENERALLY? The immediate downside of Chapter 13 is that it generally lasts 3 to 5 years—in contrast to the 3 to 4…
  • Four Potential Steps to Take in California against a Creditor Violating Fair Debt Collection Law

    7 Feb 2014 | 6:24 pm
    My last blog post was about what creditors and collection agents are allowed and are not allowed to do under the federal and California Fair Debt Collection Practices Acts. There is no doubt that some debt collectors violate these laws. WHAT CAN YOU DO ABOUT IT IF CREDITORS OR COLLECTION AGENTS VIOLATE THE LAW? You can take action in one or more of four ways: 1. File a complaint with the California Attorney General's Public Inquiry Unit, for violations of the California Fair Debt Collection Practices Act (CFDCPA). 2. File a complaint with the Federal Trade Commission, for violations of…
  • What Are the Ways that Creditors and Collection Agents May, and May NOT, Contact You in California?

    7 Feb 2014 | 5:44 pm
    WHAT DOES THE "FAIR DEBT COLLECTION PRACTICES ACT" SAY ABOUT THIS? To start, there are both a federal Fair Debt Collection Practices Act (FDCPA) and a California one (CFDCPA). They both prohibit abusive, deceptive, and unfair methods of collecting debts. Neither eliminates debts like bankruptcy does, but instead these laws protect you from inappropriate collection behavior. In practice, if a creditor violates one of these sets of laws, you may be able to use that as leverage to settle the debt on much better terms. Creditors and collectors in California have to comply with both the…
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    The Penny Hoarder

  • There’s Probably Cash Hidden in Your Walls. Here’s How to Find it…

    Steve Gillman
    18 Apr 2014 | 9:29 am
    You might think a treasure hunt means diving in the ocean to find sunken ships or exploring ancient ruins in faraway countries looking for hidden chambers full of gold and jewels. But fortunately, you can also become a treasure hunter in and around your own house, starting with nothing or perhaps a small investment in a metal detector. Most of us don’t believe there’s anything valuable hidden in the house, but after you hear these 10 stories, don’t be surprised if you start knocking down a wall or two… Inside the Walls It isn’t easy to look in your walls, but…
  • 5 Unusual Ways to Make Money in Your Backyard

    Steve Gillman
    16 Apr 2014 | 5:49 pm
    One of the most efficient strategies for making money is to use what you already have in new and profitable ways. For example, if you own your home you can rent out a room, taking in long-term tenants for steady income or renting it out for short periods for quick cash. I made tens of thousands of dollars renting out bedrooms in my first home and paid off my mortgage quickly. Okay, that’s inside your home. Now how do you use the property outside in new and profitable ways? Here are five examples of how to make money in your backyard. Rent Out a Shed Years ago, in Michigan, I built a…
  • How to Sell Used Stuffed Animals for Extra Cash

    Steve Gillman
    16 Apr 2014 | 3:45 pm
    While camping at some hot springs in Arizona my wife and I watched a man arrive and unload large plastic bags onto the roof of his van, apparently to free up space inside for camping. That evening we talked to him and discovered the bags were full of stuffed animals. He told us he made $4,000 in one month selling used stuffed animals on the side of the highway. Later, when we were flea market vendors, stuffed animals were one of our best sellers. We bought them at thrift stores for less than $3 (sometimes just 25 cents), and sold them for $2 to $12 each. Are you interested? Then you should…
  • 23 Expert Ways to Save on Your Gas Bill

    Steve Gillman
    8 Apr 2014 | 7:50 am
    Filling up the gas tank is a thoroughly miserable experience. My wife and I recently bought a minivan and watched the gas pump tally roll past $70 for the first time (ouch). We’ve gathered the best tips on how to spend less on gas from various experts. You can save hundreds of dollars on gasoline by using even a few of these twenty-three suggestions. 1. Share Rides If you live near your co-workers, and have similar schedules, take turns driving so you can all drive less each week. 2. Check Tire Pressure Having tires underinflated can lower your gas mileage by 0.3% for every 1 psi,…
  • This Might Be The Craziest Budget Advice You’ve Ever Heard….

    Kyle Taylor
    4 Apr 2014 | 8:40 am
    I’m sorry to say that I’ve always felt like most of the personal finance advice on the internet seems to be lacking in reality. I love people like Suze Orman and Dave Ramsey, but the idea that cutting out Starbucks from my budget is going to magically make me a millionaire is ridiculous. When I was rolling pennies to pay my rent, you can bet your ass I wasn’t thinking about Starbucks. I’ve since fixed my broken budget and I’m well on my way to saving for a prosperous retirement, but I didn’t get there with the normalfinancial advice out there. I had…
 
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    Don't Go Alone: Your Freedoms and the Law

  • Bankruptcy Filing Fees Increase on June 1, 2014

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

    Justin Kelsey
    26 Feb 2014 | 7:00 am
    A sealed criminal record in Massachusetts does not mean the record is sealed for all purposes.  While a potential employer would not be able to view a sealed record, there are exceptions.  One example of an exception is for a "legitimate law enforcement purpose."Even if your criminal record is sealed, an application for a firearms license in Massachusetts is deemed to be a "legitimate law enforcement purpose", and the reviewing agency would be able to see that there is a sealed record. In addition, if the sealed record were a conviction for a disqualifying crime, you would remain…
  • Can I qualify for a License to Carry if I've been arrested?

    Justin Kelsey
    18 Feb 2014 | 7:00 am
    In Massachusetts, only certain criminal convictions are deemed to be disqualifications under M.G.L. c. 140 s. 131.  However, if you are arrested or charged with certain crimes, such as assault and battery, the licensing officer in your town may still consider this in determining an applicant's suitability for a license. Firearms licensing (with respect to the License to Carry Firearms) in Massachusetts utilizes a two-prong test, and grants significant discretion to the chief law enforcement officer as to whether the license will issue.  Although the offence will not disqualify you…
  • How to avoid Objections to a Bankruptcy Petition.

    Kelsey &amp; Trask, P.C.
    5 Feb 2014 | 7:00 am
    A significant majority of Chapter 7 Bankruptcy filings are completed without any significant problems to the Debtor or objection by Creditors, provided the Debtor (and their counsel) properly and accurately discloses all necessary information required by the bankruptcy laws. However, the bankruptcy laws provide the grounds for creditors to object to the discharge of debts (meaning you will still owe the debt, even after filing bankruptcy) under certain circumstances.If a creditor objects to the discharge of any of the debts listed in your petition or schedules, such objection must be raised…
  • Can a Mortgage Prevent you from Filing for Bankruptcy?

    Kelsey &amp; Trask, P.C.
    22 Jan 2014 | 7:00 am
    Individual bankruptcies, typically Chapter 7 or Chapter 13, are limited in certain ways.  For instance, Chapter 7 bankruptcy has income limitations, while Chapter 13 bankruptcy has debt limitations.   Below we will explain how your mortgage could disqualify you from filing Chapter 13 bankruptcy under the debt limitations.A mortgage is a legal instrument typically securing a debt against real property, such as your residence. In our current real estate market, many homes are underwater. Not in the literal sense.  Figuratively, when a home is described as "underwater" it…
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    Musings of a Money Manager | The Personal Blog of John Rothe

  • 7 Charts For Investors Who Are Worried About The Market

    John Rothe
    22 Apr 2014 | 7:45 am
    So far in 2014, the US equity markets haven’t impressed investors. An expanding trading range and increasing volatility in technology names has some TV talking heads calling for the next major bear market.  Investors who are worried about the market should review the next few charts. The data is still mixed, but the longer term trends are still in place. First, The Bad News 1) Consumer spending is getting weaker. This is not good for an economy that is based on the spending of consumers. Approximately 68% of our GDP comes from consumer spending (source: The World Bank):   2)…
  • Global Asset Allocation Strategy Update – April 2014

    John Rothe
    2 Apr 2014 | 8:55 am
    April 2014 update to the global asset allocation strategy 2014, so far, has been a volatile and choppy market here in the US. Global investors have begun to look outside the US for value opportunities – specifically within PIIGS countries (Portugal, Ireland, Italy, Greece and Spain). This has caused a change in leadership within the model – and may be the start of a global shift in investors’ portfolio allocations. Below is an update on my global asset allocation model, including changes and a few key highlights. How the strategy performed in March:   Italy continues to…
  • A Couple of Quick Thoughts On Current Market Conditions

    John Rothe
    13 Mar 2014 | 12:41 pm
    As I write this, the market continues its decline for the week with the Dow being down nearly 250 points. Is it time to worry, or is this just a pullback in a rising market? Well, I wanted to share a couple of items I am currently looking at: Market Trend The longer-term trend in the market is still up: Until this upward trend is broken, we are experiencing normal volatility in a trending market. Volatility levels have barely flinched:   Many look towards the “VIX” (aka the fear gauge) as a measurement of fear and worry in the markets. Typically levels below 20 are very…
  • How To Turn Your Kid Into A Millionaire

    John Rothe
    7 Mar 2014 | 9:07 am
    Somehow, I have friends whose kids are about to graduate from college this year (time goes by way too fast!). I started to think, what would I want my kids to know about after graduation? The “fun Dad” in me thought about visiting far-off lands and enjoying life. But the “math Dad” in me thought of something more practical — the magic of compounding interest. (Sorry kids.)   Retirement – The Bleak Outlook A theme among pre-retirees that is becoming more and more common is the lack of retirement savings. The average 50 year old has approximately $44,000…
  • Global Asset Allocation Strategy – February Update

    John Rothe
    24 Feb 2014 | 6:27 am
    Each month I like to post an update to our global asset allocation strategy. This month has been a bit busy and I am late to post the changes. Below is how the strategy performed in January - Overall, performance was rather dismal as volatility increased in global markets. However, in February, the model has bounced back a bit: Model testing and research done with ETFreplay Strategy Rules: The rules for the model are to examine a prescreened global ETF universe to find the top ten ETFs with the highest relative strength. Those 10 ETFs are then allocated equal weight within a portfolio, then…
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    Simple Debt-Free Finance

  • Save Money During Spring Cleaning

    admin
    15 Apr 2014 | 8:07 pm
    Like many Americans, Spring time means Spring cleaning and like many people you have heard about Swiffer products. If you are industrial cleansing buyer or even a domestic cleaner, Swiffer has one thing for you. Best of all, your best cleaner assist firm Swiffer offers you an opportunity to read more for less. That is from the Swiffer coupons. You can help to save a whole lot by permitting various quality merchandise that you might want for every day use in a lower fee. The Swiffer coupons allows you save whilst your home clean. Obtaining a Swiffer coupon means that one could entry a…
  • Top 5 Reasons to Invest in Gold

    admin
    19 Jan 2014 | 11:19 am
    Gold investment comes with a great deal of benefits. To start with, it is unique as compared to other asset investment. This is because it involves one of the most precious metals which is not found in most of the countries across the globe. Moreover, Gold is always of great value hence the best option for investment. Below are some of the key reasons why you should invest in gold: NEVER LOSES VALUE One thing you will like about gold is the fact that it does not lose value. Never at one time will you go at a loss while investing in gold. Research reveals that the value of gold either remains…
 
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    Thirty Six Months

  • Make Family Vacations Easier with a Southwest Rapid Rewards Card

    Marissa
    21 Apr 2014 | 8:37 am
    Vacations are a great way for families to reconnect and take a break from the hectic pace of everyday life; however, these trips can be a bit costly. One of the best ways to save money on travel is to use a rewards credit card: Earning points that can be redeemed for airfare and other rewards can help make those vacation dreams come true. Many families prefer to fly Southwest Airlines due to their extensive network of routes and flexible policies; for these families, the Chase Southwest Rapid Rewards card can be used to earn miles toward their flights. The card allows members to earn points…
  • PayPal Makes It Easy to Not Carry A Wallet Anymore

    Marissa
    14 Apr 2014 | 8:42 am
    There are very few luxuries that I have a hard time giving up- my Starbucks Canada App is one of them. Not only does it make is easy for me to track all my points (I’m a Gold Card member after all), but I don’t have to carry my wallet, or change when I step into any Starbucks location. I’m not saying that having change with you is a hard chore, but having the option to just walk into a coffee shop with just your smartphone is pretty awesome. This is where this post gets even better! PayPal is now making it easier for you to pay your bills at 50 locations with your PayPal…
  • 4 Jobs That Will Propel Your Finance Career

    Marissa
    14 Apr 2014 | 7:35 am
    Do you have what it takes for a successful finance career? The applicant pool is unfortunately large while the job pool is often small. That doesn’t mean you can’t find happiness in the career of your dreams, however.  The following four jobs aren’t glamorous, but they all function as stepping-stones that just might propel you to the next level of your finance career. Volunteer Work Volunteer work is a great way to get a leg up against the competition in any field. Job seekers can post their volunteer credentials on LinkedIn in the Volunteer Marketplace section. By…
  • Let’s do your taxes ( A Giveaway)

    Marissa
    19 Mar 2014 | 1:17 am
    Ah, taxes! It’s one thing to  pack all of our receipts and T4’s and head to an accountant, and completely other thing if you tackle doing them yourself. Perhaps it’s the personal finance nerd in me, but I find doing taxes exciting! Don’t get me wrong, doing your taxes can be a very scary thing, especially if it’s your first time filling them yourself. Most of that fear is most likely rooted in not understanding tax laws. I get it, the code is can make anyone’s head spin, but trust me – it’s a lot less complicated than you think. I’ve been doing my taxes since…
  • Tips for Choosing the Right Running Shoes

    Marissa
    18 Feb 2014 | 6:30 am
    Have you run so much that you have just worn through your old running shoes? Whether you run in marathons, train for local 5Ks or just jog to stay in shape, no shoes are going to last forever. You do not want to keep running in the same pair for too long, or they could grow very uncomfortable, and they may even lead to injury. When you go to get a new pair, though, it can be hard to know what you should buy, especially if you loved the old shoes and you need to find something else that you like just as much. These tips can help you choose the right ones. 1. Check to see if the sizing charts…
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    Thirty Six Months

  • Make Family Vacations Easier with a Southwest Rapid Rewards Card

    Marissa
    21 Apr 2014 | 8:37 am
    Vacations are a great way for families to reconnect and take a break from the hectic pace of everyday life; however, these trips can be a bit costly. One of the best ways to save money on travel is to use a rewards credit card: Earning points that can be redeemed for airfare and other rewards can help make those vacation dreams come true. Many families prefer to fly Southwest Airlines due to their extensive network of routes and flexible policies; for these families, the Chase Southwest Rapid Rewards card can be used to earn miles toward their flights. The card allows members to earn points…
  • PayPal Makes It Easy to Not Carry A Wallet Anymore

    Marissa
    14 Apr 2014 | 8:42 am
    There are very few luxuries that I have a hard time giving up- my Starbucks Canada App is one of them. Not only does it make is easy for me to track all my points (I’m a Gold Card member after all), but I don’t have to carry my wallet, or change when I step into any Starbucks location. I’m not saying that having change with you is a hard chore, but having the option to just walk into a coffee shop with just your smartphone is pretty awesome. This is where this post gets even better! PayPal is now making it easier for you to pay your bills at 50 locations with your PayPal…
  • 4 Jobs That Will Propel Your Finance Career

    Marissa
    14 Apr 2014 | 7:35 am
    Do you have what it takes for a successful finance career? The applicant pool is unfortunately large while the job pool is often small. That doesn’t mean you can’t find happiness in the career of your dreams, however.  The following four jobs aren’t glamorous, but they all function as stepping-stones that just might propel you to the next level of your finance career. Volunteer Work Volunteer work is a great way to get a leg up against the competition in any field. Job seekers can post their volunteer credentials on LinkedIn in the Volunteer Marketplace section. By…
  • Let’s do your taxes ( A Giveaway)

    Marissa
    19 Mar 2014 | 1:17 am
    Ah, taxes! It’s one thing to  pack all of our receipts and T4’s and head to an accountant, and completely other thing if you tackle doing them yourself. Perhaps it’s the personal finance nerd in me, but I find doing taxes exciting! Don’t get me wrong, doing your taxes can be a very scary thing, especially if it’s your first time filling them yourself. Most of that fear is most likely rooted in not understanding tax laws. I get it, the code is can make anyone’s head spin, but trust me – it’s a lot less complicated than you think. I’ve been doing my taxes since…
  • Tips for Choosing the Right Running Shoes

    Marissa
    18 Feb 2014 | 6:30 am
    Have you run so much that you have just worn through your old running shoes? Whether you run in marathons, train for local 5Ks or just jog to stay in shape, no shoes are going to last forever. You do not want to keep running in the same pair for too long, or they could grow very uncomfortable, and they may even lead to injury. When you go to get a new pair, though, it can be hard to know what you should buy, especially if you loved the old shoes and you need to find something else that you like just as much. These tips can help you choose the right ones. 1. Check to see if the sizing charts…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • State Farm Rewards Credit Cards Review

    Tom Kerr
    23 Apr 2014 | 7:00 am
    If you thought that State Farm was only in the insurance business, you may be pleasantly surprised to learn that they also have a rather wide range of other financial products including several Visa credit cards. They offer a few different rewards cards that allow you to earn points that can be redeemed for a variety of State Farm-related purchases such as for your insurance premiums, auto loans, home mortgages, health savings accounts, and CD’s. You can even fund your retirement account with State Farm rewards points. There is no limit on how many points you can earn with any of their…
  • Win $100, $250, or a Roku 3 with CompareCards!

    Kari Luckett
    22 Apr 2014 | 1:41 pm
    Every now and again CompareCards.com likes to host contests and giveaways to give our fans a chance to win a great Apple product, cash back, and other prizes. Our most recent contest was launched on April 16th and will extend through the end of the month.  Now through April 30th, participants will have the chance to win one of four prizes; a $100 gift card and a new Roku 3 (a $100 value), a $250 gift card, or a gift card worth $100 (two winners will be chosen). Interested in entering? Here are the details… So, What are the Prizes? We will select 4 people to win the contest. Three…
  • Don’t Get Strapped for Cash in a Foreign Land

    Tom Kerr
    22 Apr 2014 | 4:51 am
    Most people have heard that it’s important to notify your card issuing bank (s) before you take a trip, but for many, it’s still not a high priority or gets overlooked. As an unfortunate result, travelers who forget that small, but vital detail often wind up experiencing stressful frustrations while far from home. They try to use their ATM card as a financial lifeline, but it does not work. Ever go out to a meal and hand over your card only to have the waiter tell you your card was declined? It’s an embarrassing situation, but happens a lot when traveling in foreign countries and even…
  • Credit Cards in the News: April 12-18, 2014

    Chris Mettler
    18 Apr 2014 | 9:41 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about fraud. That’s why we provide you with a summary of the top stories on the blog at CompareCards.com so you can read what matters the most and not worry about all the other stuff. Here are the highlights for April 12-18, 2014. 3 Million Customers Affected by Michaels Data Breach The first real details of the Michaels data breach were recently released via their website. The arts and crafts retailer, along with subsidiary Aaron Brothers, reported two separate eight-month…
  • More States Join Investigation into Experian Data Breach

    Tom Kerr
    17 Apr 2014 | 8:37 am
    This week media outlets including Reuters and the Chicago Tribune reported that Iowa and North Carolina have joined Illinois and Connecticut in raising concerns about a data breach involving a subsidiary of Experian. The incident reportedly exposed confidential financial information including the social security numbers of some 200 million Americans. NBC News quoted a representative of the Illinois Attorney General who referred to it as a multistate investigation. The states involved are trying to determine whether or not businesses took appropriate steps and used sufficient measures to…
 
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    Feeds : dailyworth

  • 11 Money Mistakes You Probably Don’t Know You’re Making

    22 Apr 2014 | 5:00 pm
    Are You Sabotaging Your Savings? Three years before reaching retirement age, a friend of mine quit his (full-pension, government) job, and soon began subtracting money from his 401(k) in order to pay off his mortgage. This was obviously a huge lapse in financial judgment, but it got me thinking about subtler money mistakes that we’re all prone to — errors you might even think are the right move, until they turn around and sabotage your budget.  “Many of these costs recur year after year, which really adds up — and often the savings from…
  • How to Create a Recession-Proof Life

    21 Apr 2014 | 5:00 pm
    Get on the Defense Now that we’ve slogged through the Great Recession and long, slow recovery, it’s painful to imagine suffering through that again. But while economic ups and downs are bound to occur, that doesn’t mean you have to participate. By making careful preparations during more stable times, you can truly create a financial life that will be practically recession-proof. “When guarding against the risk of a recession, the best offense is a great defense,” says Kimberly Foss, CFP, founder and president of Empyrion Wealth Management in…
  • What Can We Do About My Husband’s Student Loan Debt?

    21 Apr 2014 | 5:00 pm
    Our family is suffering from my husband's overwhelming student loan debt. He took out a loan for graduate school, and when there were no jobs after graduation, deferred his loan payments then went into forbearance. As a result, his private lender loan with Sallie Mae has not shrunk in the 12 years he has been making payments, now in excess of $450 per month. He is still paying the interest! The lender won't renegotiate the loan.   It is affecting every part of our financial lives. We can't buy a home, my son is about to enter college and we have no savings for him, and it…
  • Don’t Want Your Identity Stolen? Better Do This

    14 Apr 2014 | 5:00 pm
    ID, Please Linda Foley of San Diego didn’t think twice about filling out the tax forms her employer handed her. That is, until a credit card company called her to confirm her change of address — and she hadn’t moved. That’s when she learned her employer had used her Social Security Number to get credit cards and a cell phone. The trauma of that experience — and the months it took to repair her credit — led Foley to start the Identity Theft Resource Center to help the millions of others trying to recover their identities, too. Identity theft costs…
  • Lessons From Secret Millionaires

    7 Apr 2014 | 5:00 pm
    Unexpected Fortunes Eugenia Dodson grew up on a Minnesota farm, the daughter of poor Swedish immigrants. Her childhood poverty affected her so profoundly that even in her old age, she refused to replace a stove with only one working burner — even though by then she was worth tens of millions of dollars. Dodson, who left nearly $36 million to the University of Miami when she died in 2005 at age 100, is just one of many secretly wealthy people who live quiet, frugal lives and then leave unexpected fortunes to charity. I’ve been collecting stories of such secret…
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    Money Q&A

  • The New Retirementality by Mitch Anthony – You’re Thinking About Retirement Is All Wrong!

    Hank Coleman
    21 Apr 2014 | 4:00 am
    Is our idea of retirement outdated? Is it absurd to have an arbitrary age, a mark on the wall, for retirement? Mitch Anthony makes the case that the retirement of our parents isn’t, and shouldn’t, be our ideal of retirement in the latest edition of his book, “The New Retirementality: Planning Your Life and Living Your Dreams…at Any Age You Want”. Age is just a number. Do you love what you do for a living? Why end your career simply because you hit 62 or 67 years-old? Why not keep working if you love it? Why not test out mini-retirements along the way? Are we doing it all wrong?
  • Win a Free Toshiba Chromebook from Money Q&A and CouponPal!!

    Hank Coleman
    14 Apr 2014 | 5:00 am
    Money Q&A is teaming up with the guys at CouponPal and a couple of other bloggers to giveaway a free Toshiba Chromebook to one lucky reader! Unlike regular laptops, the Toshiba Chromebook is completely web-based. There is no need to install software. It’s all on the cloud. A Toshiba Chromebook uses Google’s Chrome operating system. With Google Chrome OS, users have access to Google Drive and other Apps even when you’re not connected to the internet. You may remember CouponPal from previous articles here on Money Q&A. I’ve interviewed CouponPal’s…
  • Short Selling Stocks: Why You And I Should Probably Stay Away

    Hank Coleman
    31 Mar 2014 | 3:00 am
    For many investors, experienced and novice alike, the idea of short selling stocks can be enticing. You can make money investing even if the stock market is in a downturn. You can earn a profit on days when others are losing money. But selling a stock short can severely punish investors — especially if they don’t understand the risks. What Is Short Selling? You can win on a bet — no matter which way the stock is moving — as long as you’re guessing the right direction. Short selling allows you to invest in stocks even when you think that their share price will…
  • Ten Top Insurance Payouts In Recent Years

    Guest Contributer
    27 Mar 2014 | 3:18 pm
    Whether claims are due to natural disasters or man-made ones, the insurance industry has had several huge payouts to make over recent years. This list sums looks back at some of the biggest insurance payouts. The financial collapse – Billions There has not been a figure set in stone as to the amount lost in the 2008 banking collapse, but billions of pounds is a conservative estimate. While the exact figure may still be unknown, what is known is the knock-on effect of bailouts and unemployment has caused the insurance industry to lose out in a big way. Hurricane Katrina – £78 billion A…
  • How To Find Great Undervalued Stocks To Invest

    Hank Coleman
    24 Mar 2014 | 12:10 pm
    It’s not easy to find a great stock. In almost every case, investors have already priced good and bad news about the company into the stock’s share price. But every once in a while, the market misprices a stock. So how do you find these hidden gems? A company’s price-to-earnings ratio, or P/E, is one of the fundamental metrics that every stock picker should know. It’s is a great place for every investor to start when trying to find undervalued stocks to purchase. How to Calculate a P/E Ratio To calculate a company’s P/E ratio, simply divide the share price of a…
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    Creative Money

  • What to do if you hate dealing with your money

    Mindy Crary
    22 Apr 2014 | 5:00 pm
    Whenever someone tells me that they hate looking at their money numbers, it reminds me of how I hate stepping on the scale after a long weekend or holiday season of excess.  I KNOW that I have been behaving in a way that isn’t conducive to losing or maintaining my weight, but I went for the short term gratification anyway.   So there are a couple of things at work, I think, when someone avoids looking at their numbers. Issue #1:  Behavior Alignment Just as I mentioned earlier, looking at the numbers forces you to admit that your behavior isn’t in alignment with your goals.  And a lot…
  • Download the April issue of #MoneyRebel Mag now!

    Mindy Crary
    15 Apr 2014 | 11:57 am
    Welcome to the fourth issue of Money Rebel magazine! I created this magazine to help women entrepreneurs see that just because their businesses (and money) are different than what they perceive to be the ideal—and far from perfect–doesn’t mean it’s bad.  What I am loving about this series is that we are seeing how success might not be what you originally pictured—losing your resistance to how things should be going is a huge part of building your business, and I hope my Money Rebels are inspiring you to get started or to get excited about working on the next phase of your business.
  • Do you choose intimacy or control in your money relationships?

    Mindy Crary
    7 Apr 2014 | 5:00 am
    I am a recovering control freak and codependent.  And throughout my earlier life, money was been a tool to tip the scales in my favor—because money can control others.  Even the lack of money can be used to control others (as in, see how much I am giving up to be with you?). Money Manipulation I realized I had created a world for myself where I had control, but no meaningful connections.  No true collaboration or support.  People were around because of what I could do for them, and not because of my intrinsic, lovable self.  That sucked.  So I changed. My entire network fell away. …
  • Are you at risk for a tax audit? (roundup)

    Mindy Crary
    31 Mar 2014 | 4:57 pm
    This week I decided to do a roundup of timely and relevant articles about your money and taxes!  What are the chances of a tax audit? Eighteen million calls to the Internal Revenue will go unanswered, and more than half of people’s letters will take over a month to respond to, according to IRS Commissioner John Koskinen via the Wall Street Journal last week.   But even though the agency is both underfunded and understaffed, it’s still ready to audit.  To make sure everything adds up, the Wall Street Journal offers some guidelines for avoiding and surviving the agency’s suspicious…
  • The truth about your tax return

    Mindy Crary
    18 Mar 2014 | 3:27 pm
    I do not prepare tax returns, nor do I play a CPA on TV.  But as a financial planner, I understand taxes and have been around enough to help with tax strategy.  And it’s that time of year when I want to punch financial services providers in the neck for making you freak out about your tax return.  The TV ads, warning you that tax mistakes add up to billions of dollars; the articles going over all of the potential deductions, making you scared you’re going to miss something.  The truth is, most of your tax story for 2013 was set in stone months ago, and there is very little you can do…
 
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    Three Thrifty Guys

  • How to Hedge Against Food Inflation

    Charlie
    23 Apr 2014 | 2:00 am
    Over the last month I’ve done our family’s grocery shopping and the prices seem to be increasing every week! It is amazing how sneaky these prices will increase too. Whether it be in reducing the quantity you get in a product or paying a few cents more for the products. It’s all inflation! In looking at what we are spending on food over the last few months, I can see a definite trend in our food bills increasing. In particular, I’ve seen lately a dramatic increase in meat and dairy prices. The news headlines and trends don’t show any sign of decreasing any time…
  • 5 Things You Should Avoid Spending Money On in Your First 30 Years of Life

    Aaron
    21 Apr 2014 | 3:50 am
    I ran across this interesting question posed up on Quora the other day: What are some things you should avoid doing in your first 30 years of life? Someone chimed in: Getting married Having children Addictions* that waste time, energy, and resources and keep you from focusing and working on your goals. Needless to say, the writer got a lot of responses from these answers. Since this is a personal finance site, I believe the question can also be refrained as, “things you should avoid spending money on in your first 30 years of life“. Here’s my list and explanations for…
  • How to Be the First to Know When People Are Giving Away Free Stuff in Your Neighborhood

    Aaron
    18 Apr 2014 | 2:46 am
    Would you like to be the first to know when someone in your neighborhood posts something you might find useful up on Craigslist for free? Now you can with a really neat new online tool called IFTTT (If This Then That). It’s free and very easy to use. I created a little 4 minute video that shows you how to set-up a “recipe” so that you can be the first to know about that new-er gas grill or metal file cabinet the church down the street are getting rid of (that would go perfect in your garage). Find free stuff in your neighborhood Basically IFTTT uses different “recipes”…
  • How to Negotiate for More Vacation Time

    Charlie
    16 Apr 2014 | 2:00 am
    In starting any new job, most people are worried about one thing. MONEY! In the my mind, Rod Stillwell’s request of Jerry Maguire is what I usually want to ask the hiring manager, “SHOW ME THE MONEY!!” In all the commotion of deciding to switch jobs often the other benefits are forgotten about. One of those important benefits to consider is vacation.  When agreeing to a salary with a new company vacation time isn’t necessarily on your mind, and many companies will state upfront that “this is non-negotiable”. Or that all the other benefits are fixed and…
  • Does Walmart’s Savings Catcher Work?

    Aaron
    14 Apr 2014 | 2:24 am
    As I was listening to some tunes via Pandora last week, an ad for Walmart’s Savings Catcher came on. They advertised that you could enter your receipt into their new “Savings Catcher” app and if they find a competitor’s advertised price cheaper than what you paid for it at Walmart, they’ll actually refund you the difference in the form of an e-gift card. The idea sounded interesting, so I gave it a try on a recent short shopping excursion.  More about the Savings Catcher app My first impressions of their Savings Catcher were a bit mixed. “So, Walmart is…
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    Kitces.com

  • Active, Passive, Strategic, Tactical – What’s Your Investment Management Style?

    Michael Kitces
    23 Apr 2014 | 4:01 am
    Historically, the active vs passive divide has been primarily a question of how to invest within an asset class. Is it better to utilize an active manager who will try to outperform an index (at the risk of underperforming it), or simply buy the index itself in the form of a fund that at worst should simply “underperform” by the margin of a very small fee. Either way, most investment managers will still implement a remarkably similar asset allocation – regardless of the active vs passive divide – based on the principles of Modern Portfolio Theory. Yet a deeper look at MPT reveals that…
  • Vanguard Personal Advisor Services (VPAS): The First Low-Cost "Indexing" Solution For Financial Planning Services?

    Michael Kitces
    21 Apr 2014 | 4:01 am
    As financial planning continues its rise, more and more advisors are getting the CFP certification, and an increasing number of firms – from insurance companies to wirehouses to RIAs and everything in between – have been incorporating financial planning into their offering to varying degrees. And now it looks like a new player is entering the space, likely to make a big splash: Vanguard. In fact, the new “Vanguard Personal Advisor Services (VPAS) offering may have the potential to do to financial planning what their launch of the index fund has done to investment management: create a…
  • Weekend Reading for Financial Planners (Apr 19-20) - Practice Management Edition!

    Michael Kitces
    18 Apr 2014 | 12:01 pm
    Enjoy the current installment of "weekend reading for financial planners" - Practice Management Edition! This week's edition kicks off with the results of the FPA's latest practice management study on time management, which finds that if you feel like you're not in full command of your time and schedule as a financial advisor, you're not alone; as the results show, only about 1/3rd of advisors are feeling in control of their time these days! The FPA study provides some suggestions of "what's working" for advisors who do feel in control of their schedules, and is part of their broader rollout…
  • Is There A "Robo-Advisor" Bubble? Wealthfront, Betterment, & LearnVest Raise $95M In Capital In Two Weeks!

    Michael Kitces
    16 Apr 2014 | 4:01 am
    As the buzz around the "robo-advisors" continues, this week marks another two big announcements: Betterment has raised another $32M in a fresh round of venture funding, with another $28M for Learnvest, following on the heels of $35M from Wealthfront just two weeks ago. Collectively, the three platforms have raised a whopping $95M in just the past two weeks, with the total collective funding for the robo-advisor space approaching a quarter of a billion dollars. Yet despite all this focus, the actual business and revenue growth results for robo-advisors has been fairly meager, at least so far.
  • Sage Scholars Tuition Rewards - A "Loyalty Points" System For Providing Wealth Management Services?

    Michael Kitces
    14 Apr 2014 | 4:01 am
    As financial planning and wealth management become increasingly popular, advisors are increasingly experiencing a "crisis of differentiation" where it's difficult to distinguish themselves from the competition. This has not only slowed the organic growth rates of many advisory firms as it gets harder to generate referrals, but made client retention all the more crucial to maintain the revenue of an advisory firm. A new offering for financial advisors called SAGE Scholars offers a unique new way for advisors to offer a "client perk" that can help to support retention and potentially generate…
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    Epic Finances - Investment Blog

  • Did some tech insiders dump their shares ahead of the slump in March?

    Carmello
    19 Apr 2014 | 9:05 am
    In a move that has caused more than a bit of unease among many investors, insiders at some of the hottest private and publicly traded Internet companies got rid of substantial personal stock stakes before the March slump began. Many believe that this reveals a lack of confidence in their stock prices and see it as an opportunistic move that, while not particularly illegal, borders on unethical. “Individuals selling before going public is always a bad sign,” said Mr Sebastian Thomas, a portfolio manager at Allianz Global Investors. “If you believe in the business, why would…
  • What’s the secret behind top-performing mutual funds? Just ask Joe Huber

    Carmello
    3 Apr 2014 | 6:15 pm
    When it comes to owning mutual funds, nearly half of the households in the United States own them today, according to the Investment Company Institute. Their “2013 Investment Company Fact Book” found that most of these families have their employers to thank, as 72% of households that have invested their money in them have done so through a sponsored retirement program from their employer. Indeed, one of the mainstays of retirement these days are mutual funds and there is a steadily growing number of funds to choose from.  While waiting back in 1940 there were less than 70 mutual funds to…
  • Calculate Retirement Age | When Can I Realistically Retire?

    Carmello
    31 Mar 2014 | 6:49 am
    There are about a hundred retirement calculators available online that supposedly make it simple to see just when you should retire. However, these calculators are really nothing more than simple adding machines. They have no powers to affect your completely individual situation. In fact, there’s no way that any of these calculators can do much more than show you what you already know to be true. 4 Factors That Determine Your Retirement Age (no calculators needed) When do you want to retire? How much do you want each year to live on? How long will you live after retirement age? How much…
  • Why are so many people Investing in ETFs?

    Carmello
    20 Mar 2014 | 5:13 pm
    Over the last few years there has been a great proliferation in ETF’s, both in the number and type that are being offered to investors. Indeed, approximately 700 new ETF’s have come into existence since 2010, which has created a much greater access for investors to a wider variety of asset classes. Since ETF’s trade on a major stock exchange they can, unlike mutual funds, be bought and sold during the trading day at any time. $188 billion was the net inflow last year of US listed ETF’s, just a hair shy of the record in 2012 of $190 billion, according to Morningstar, a financial…
  • Permanent vs Term Life Insurance

    Carmello
    16 Mar 2014 | 4:55 pm
    Though not many people like to discuss death, it is of course an unavoidable aspect of life. And whether you are able to come to terms with the concept of no longer being here, you’ll naturally want to be able to provide for your family after you’ve gone. As far as life insurance is concerned, there are two main ways to go about doing this. One is permanent or whole life insurance, the other is term life insurance. There are benefits and disadvantages to both, and your selection should be based on your personal situation. Term Insurance The chief benefit to term insurance is that…
 
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    The Savvy Scot

  • Ode to grocery delivery and online grocery shopping

    Pauline
    21 Apr 2014 | 11:05 pm
    Credit I love love love online grocery shopping and delivery. And those days, supermarket websites make it so easy for you to find your products and shop in just a few clicks. Think about it. You are at work, thinking that after those excruciating 9 hours in your cubicle, you still have to go to the supermarket, face the after-office-hour crowd, fight for the last salad, queue at the cashier for 15 minutes, and carry your groceries home. Or worse: spend your precious weekend time with even more people at the grocery store. Why not try grocery delivery instead? You can spend your lunch hour…
  • Carnival of retirement, Happy Easter!

    Pauline
    20 Apr 2014 | 6:17 am
      Welcome to the Carnival of Retirement! You can submit for next week’s here.   Hope you are enjoying the long weekend and have a nice Easter.   Flower bed for Easter processions in Guatemala   Maria @ The Money Principle writes Who Earns More: Commercial Landlords or Property Investors? – Commercial landlords vs. property investors: the battle is on. Dominique Brown @ YourFinancesSimplified writes Your Financial Relationships: How Much Should We Save? – How much should you save? Tricky question huh! While there is a lot of variance in the answer, I do my…
  • Budgeting to be a guest at weddings

    Pauline
    17 Apr 2014 | 11:05 pm
    Credit Weddings are expensive, and not just for the bride and groom. As a guest, sure you are getting invited to an awesome party and to free food and booze, but all the rest is yours to pay and it can add up quickly. One of my cousin told me he was thinking about chartering a 200 seater plane to fly all guests 3 hours away for a sunny destination wedding. The cost of the flight would have been 200 euros, but then he said most people would spend about that much just to get to the countryside by car, and he was right! Attending weddings cost a lot of money. Flights and transportation I always…
  • Banking while living or traveling abroad

    Pauline
    14 Apr 2014 | 11:05 pm
    Credit As I have lived in 5 countries and travelled to over 70, people often ask me “how do you deal with money?”. Handling money is a bit different whether you are just travelling once or twice a year to a different country or living in one for extended periods of time, as an expat or retiring abroad.   Bless the Euro Since most of Europe adopted the Euro, life for travellers has been made much easier. In an attempt to unify banking transactions, with any French card you can withdraw Euros in any country where the Euro is the main currency, without any fee. Same thing for paying for…
  • Planning ahead for your summer holiday

    Pauline
    10 Apr 2014 | 11:20 pm
    Credit I am not a planner, more kind of a go with the flow person. But I love to travel, and stretch my hard earned cash further when I do. Which is why I always try to plan ahead for a holiday. No kids? Go in low season For summer holidays, there is peak season, which is from June to September, and super high peak which would be July and August, when all the kids are off school. Worst time ever to plan a cheap holiday. So if you are not stuck with those dates, around mid September you will have the beaches to yourself, and accommodations at a fraction of the price. It gets a little bit…
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    I Need Money

  • Changing Your Career for Supplemental Income: When to Make the Move

    admin
    22 Apr 2014 | 3:08 pm
    Why People Change Careers Most individuals will need to change a career several times during their lifetime in order to maintain an income. Needing to learn new skills to earn supplemental income is often the result of a job layoff, geographic move or aging. As people live longer life spans, returning to school to learn how to perform a different job is often necessary. Anyone interested in making a career change can find short-term educational programs that will lead to jobs that make it possible to earn supplemental cash with a part-time job. Working as a Foreign Language Tutor Just about…
  • 5 Reasons Women Can Be Great at Budgeting

    admin
    21 Apr 2014 | 2:28 pm
    Almost everyone is aware that there’s still a significant gender gap in pay, but in recent years, studies by Financial Finesse (http://www.financialfinesse.com/), a provider of workplace financial education in the U.S., have revealed another disparity between men and women. Women lag behind men in several areas related to financial knowledge, confidence, and smart money practices. Although the gap has reportedly narrowed since 2010, studies in 2011, 2012 and 2013 showed that women still have a lot of catching up to do. While the 2013 report showed an encouraging reduction of the gender gap…
  • 5 Ways to Simplify Your Budgeting Routine

    admin
    20 Apr 2014 | 3:03 pm
    Every responsible consumer has some sort of budgeting process they use to pay their bills. The problem is that budgets can start to get complicated when more bills get added and the income situation changes. It is great that you want to keep track of your money, but it can be frustrating when you make it complicated. There are some ways that you can reduce the frustration that comes with a complex budgeting routine. The important thing is to make sure that your bills always get paid, but it also helps when you can keep accurate accounting records as well. Use Online Bill Paying Services…
  • The Starters Guide to Entrepreneurship

    admin
    18 Apr 2014 | 3:00 pm
    There are some individuals who simply have that entrepreneurial spirit that causes them to yearn the independence of running their own business. There is a great deal to be said about the freedom of running your own business, but there are challenges that must be addressed as well. The perils of entrepreneurship are well documented, so there is no need to go into them in-depth here. The point to focus on here is that the majority of these perils can be avoided by simply being prepared. When preparing to open a new business, there are several steps that are vital to preparing for success while…
  • Budgeting Your Business: Don’t Cut Here

    admin
    16 Apr 2014 | 2:21 pm
    When running a business, it is easy to cut expenses and believe you are helping your cause. While it is not difficult to cut costs, it is not easy to do so in an intelligent way. All too often, an entrepreneur will slash expenses and hurt the company. Here are five examples where you should not cut your budget. Appropriate insurance packages: If you run a business, you will eventually end up in court. An employee, customer or contractor will eventually try to take you to court over a trivial or non-trivial manner. With contractor liability insurance, you can avoid serious issues when this…
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    Zoho Blogs

  • Zoho CRM – Discontinuing Integration with LinkedIn

    Gopal
    23 Apr 2014 | 12:19 am
    Back in 2011, to help our customers focus more on selling and less CRMing, we started offering integration with LinkedIn along with various other important features. Our users quickly embraced the integration with leads and contacts modules and it became one of the popular features in Zoho CRM. Fast forward to today, we are unhappy to announce the discontinuation of the LinkedIn integration with Zoho CRM immediately. The latest changes in LinkedIn’s Developer API agreement do not allow us to offer this integration to customers any more without strategic partnership.…
  • Collaboration just got easier with the New Real-time Editor in Document Library

    Radhika Bhangolai
    22 Apr 2014 | 1:52 am
    Last year, we released Document Library, which made it easy to manage all your sales collateral, marketing material, proposals and more, right within Zoho CRM. Now, we’ve gone a step further and improved our editor in Zoho Docs to support chat collaboration and real-time editing. Take this case of the Sales Team at Zillum Corp. Patricia, one of the sales reps, is excited! She has just closed a big deal, which she had been working on for a few months.…
  • 2 Ways Live Chat Can Enhance Your Customer Service

    Ambi Moorthy
    16 Apr 2014 | 7:05 am
    Landing a new customer is 5x more expensive than keeping an existing customer. How do we keep our customers happy? By providing outstanding support. LiveDesk let’s you delivers outstanding customer service and keeps your retention rates high. Let’s look at a scenario below that is all too typical in business. Riley and Karen, both customer service managers, are upset. One of their biggest customers is threatening to leave. José Pérez, the COO of B2B SellingStrategies, just complained of bad service during a critical time This is a pretty common conversation today.…
  • Work smarter (even while offline) with the new Zoho Writer for iPad

    Chinmayee Mishra
    16 Apr 2014 | 6:55 am
    The new native Zoho Writer for iPad app lets you create, edit and share professional documents anytime and while on the go. No Wifi? Work Offline With offline support, you can create and edit documents without going online. All the documents are automatically saved and can be exported in different formats. The Rich Editor Create documents quickly and easily with images, tables, lists and more using the simple and elegant Primebar, the toolbar that is placed above the keyboard. The app also supports external keyboards, for more convenient and quick typing.…
  • Check – in to your office with the Zoho People mobile app!

    Aarthi Elizabeth
    16 Apr 2014 | 1:12 am
    You can check-in and check-out your time directly from your mobile phone. With the Zoho People mobile time clock you can set IP restrictions to ensure control over where and when your employee clocks-in.  Combined with features like the easy buddy search and on-the-go colleague information (already available on the iPhone app), Zoho People for android goes above and beyond.    …
 
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    Money Estate - Personal Finance Tips Blog

  • How do I find my pension?

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

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

    Aira
    21 Mar 2014 | 1:18 am
    So much of our time is now spent online. From work, to social networking, entertainment and shopping. With virtually almost everything being done online now it’s easy for the things that we do off-line to pushed to the side and even forgotten. The trick is figuring out how to integrate all of those tasks to […]
  • Struggling To Get A Mortgage? Top Tips For Getting On The Housing Ladder

    Aira
    19 Mar 2014 | 1:29 am
    Many people in the UK believe that their financial status means that they’ll never be able to get on the housing ladder, as the prospect of getting a mortgage just seems to unrealistic. However, in many situations there are things that you can do to help turn the tables on your financial situation and work […]
  • How to get more from your car insurance

    Aira
    17 Mar 2014 | 1:34 am
    You face a number of choices when it comes to insuring your car. It is something you should take into account when buying the vehicle in the first place. The cost of insuring a large quality car is inevitably far greater than the cost of insuring a small second hand car. It’s a matter of […]
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    Cult Of Money

  • Think Outside of The Box: Create Financial Independence and a Life You Love

    Alexa Mason
    23 Apr 2014 | 1:15 am
    If you want to create financial independence and live the life you love, you can. Unfortunately there are no direct steps you can take because each and every one of us are different. There are some basic principles you can follow though that will guide you in creating financial independence and a life that you were meant to live. *Most Important* Stop Caring What Other People Think When I got divorced in 2012 I went back and forth on my housing options. I could have bought a house. I could have rented. I could have lived with my Dad for the rest of my life. But I decided to do something…
  • How to Buy Nothing

    Robert Farrington
    21 Apr 2014 | 1:15 am
    The name may sound like a paradox, but in the today’s world where we are surrounded by shops and stores, being able to walk along and not buying anything seems to be a real art that you should surely master if you want to stay on a budget and pay your bills. The following steps will help you become happier without buying. Examine your shopping habits. If you do this to reward yourself or to have a common activity with your friends, or in any other reason except for actual buying – replace it with something new.  Leave your money at home. It is the easiest way to buy nothing is not having…
  • Gaining Control of Your Finances: 5 Habits to Take On

    Robert Farrington
    20 Apr 2014 | 1:15 am
    Getting control of your finances is one of the best gifts that you could give to yourself. When you get a hold of your expenses, know how to save for the future and learn to live within your means, you lessen the odds of going deep into debt or having no money for retirement. What are some things that you can do to get control of your finances? 1) Protect Your Assets The best way to get a hold of your finances is to make sure that you are not putting what you already have in danger. Buying life insurance protects you in the event that you are too sick or hurt to work. Installing a burglar…
  • 5 Eco-Friendly Ways Your Business Can Save Money

    Robert Farrington
    17 Apr 2014 | 1:15 am
    In today’s economy it’s extremely important to set your business apart from the rest, no matter what niche you’re operating in. And one easy way to do this is to run your business in an ecofriendly way. No matter the size of your business there are several ways you can do this. Let’s take a look. #1 – Go Paperless Going paperless is an easy and efficient way to not only save money but to also reduce office clutter. Opt for electronic billing whenever possible and enroll in an online banking program. Also consider storing your documents electronically rather than using paper. By…
  • The Secret to Getting Stuff Done: Practice Self Discipline

    Alexa Mason
    16 Apr 2014 | 1:15 am
    Practicing self-discipline in one area of your life will automatically impact all the other areas of your life. If you want to save more money you need self-discipline. If you want to start a business you need self-discipline. If you want to be a better parent you need self-discipline (and patience!) Practicing self-discipline is the key to molding your life into what you want it to be. But this is an area where many people struggle. So how exactly do you create the life you want? Try the following. Just Do It Procrastination is the arch enemy of self-discipline. By procrastinating we are…
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    PFhub - Business, Financial & Economic News

  • Danish political party considering internal blockchain voting

    Andrew Moran
    23 Apr 2014 | 10:55 am
    The technology of bitcoin has been lauded by both its staunch supporters and avid opponents. One common statement is that the cryptocurrency technology can move far beyond a currency, such as electronic payments systems and now perhaps voting. A Danish website, Version2, is reporting that Denmark’s Liberal Alliance is considering the possibility of utilizing the […]The post Danish political party considering internal blockchain voting appeared first on PFhub - Business, Financial & Economic News.
  • Google mobile ads update suggests apps based on user history

    Katrina Manning
    23 Apr 2014 | 10:13 am
    Google Inc. (NASDAQ:GOOG) is making good use of their mobile AdWords update. Their highly targeted app ads gauge how you use apps to make suggestions for other apps. So, say you play CandyCrush often, well, you might get an ad promoting a game with similar features. This makes sense for Google, and it makes sense […]The post Google mobile ads update suggests apps based on user history appeared first on PFhub - Business, Financial & Economic News.
  • Apple Inc. (AAPL) Q2 2014 earnings report due at 4:30 PM EST today

    Rhian Hunt
    23 Apr 2014 | 10:00 am
    The earnings of Apple Inc. (NASDAQ:AAPL) seem to be watched more closely than those of most other companies, even though the Cupertino tech firm’s stocks are highly undervalued according to most analysts. Any deviation from the expected earnings – even if the overall financial health of the company remains good – is sufficient to trigger […]The post Apple Inc. (AAPL) Q2 2014 earnings report due at 4:30 PM EST today appeared first on PFhub - Business, Financial & Economic News.
  • FEC (Federal Election Commission) mulling bitcoin donations for political campaigns

    Andrew Moran
    23 Apr 2014 | 7:38 am
    Several political incumbents and hopefuls in the United States have already established bitcoin platforms for financial contributions, despite concerns that it might not be fully permitted by the Federal Election Commission (FEC). This could help transform the way campaigns finance their operations. The FEC announced that it would be reviewing a request Wednesday to allow […]The post FEC (Federal Election Commission) mulling bitcoin donations for political campaigns appeared first on PFhub - Business, Financial & Economic News.
  • Tesla to manufacture cars in China within next four years

    Andrew Moran
    23 Apr 2014 | 7:16 am
    Speaking at a crammed Geekpark Conference in Beijing on Monday, Tesla Motors CEO Elon Musk said that the company will begin to manufacture vehicles in China within the next three to four years. Also, Tesla will begin establishing a large network of battery-charging stations in the economic powerhouse. “At some point in the next three […]The post Tesla to manufacture cars in China within next four years appeared first on PFhub - Business, Financial & Economic News.
 
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    Squawkfox

  • Repair or replace: When does it make sense to mend the threads you’ve got?

    Kerry
    15 Apr 2014 | 9:19 pm
    Having trouble viewing this? CLICK HERE Repair or replace: When does it make sense to mend the threads you've got? Fashion, Saving There's a general rule for replacing stuff. Emotion can get in the way. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Where to download free eBooks for your digital device

    Kerry
    10 Apr 2014 | 6:59 pm
    Having trouble viewing this? CLICK HERE Where to download free eBooks for your digital device Saving The best legal places to download eBooks for free. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Should You Buy It? A flowchart for smart consumers

    Kerry
    7 Apr 2014 | 6:54 pm
    Having trouble viewing this? CLICK HERE Should You Buy It? A flowchart for smart consumers Saving A free download with a few fun questions. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Save 61% by brewing coffee with a K-Cup reusable filter

    Kerry
    3 Apr 2014 | 7:48 pm
    Having trouble viewing this? CLICK HERE Save 61% by brewing coffee with a K-Cup reusable filter Saving The environment will thank you too. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Would you buy H&M’s $99 wedding dress?

    Kerry
    26 Mar 2014 | 7:45 pm
    Having trouble viewing this? CLICK HERE Would you buy H&M's $99 wedding dress? Weddings A $99 wedding dress is an outstanding bridal bargain. Would you wear it for your wedding? Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
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    Finance and Money Savings Tips

  • 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

  • Parents ‘Frozen’ Out of Merchandise From Hit Movie

    Mike Collins
    17 Apr 2014 | 4:46 am
    If you have young children who are experiencing Frozen-mania you’re probably sick to death of hearing them belt out the lyrics to “Let It Go” at the top of their lungs.  You may also be tired of hearing them beg for all the dolls, outfits, clothes, and stuffed animals of Elsa, Anna, and Olaf. Unfortunately you may be listening to their pleas for a long time as many parents are finding it utterly impossible to find any Frozen merchandise at all.  Stores everywhere are completely wiped out and if you check online auction sites like eBay you’ll find anything…
  • 12 Times It’s Okay To Be Cheap

    Mike Collins
    15 Apr 2014 | 8:12 am
    This morning I read an article on Yahoo Finance titled 12 Times Being Cheap is Totally Worth It.   The author shares 12 examples of items where you don’t need to spend a lot of money to get good quality.  I’m all for saving money at the supermarket whenever possible, and I also love shopping at Costco because there are so many great deals to be had. Below I have listed each of the 12 examples along with some thoughts of my own.   Shampoo.  I don’t put much thought into shampoo but my wife swears it pays to spend a little extra.  I’m fine with using whatever is on sale or…
  • Darth Vader’s Top 5 Tips For Saving Money

    Mike Collins
    7 Apr 2014 | 6:37 am
    Okay, I admit it…I’m a bit of a Star Wars nerd. I used to beg my dad non-stop for the newest Obi-Wan or Admiral Ackbar figures. And I completely wore out my VHS tapes of the original trilogy until they were virtually unwatchable (much like any of the prequels when Natalie Portman was not on screen). So as I sat brainstorming for new ideas to write about, I naturally wondered what the great Lord Vader would do to save some cash. I mean let’s face it, running a Galactic Empire isn’t cheap. And how embarrassing would it be to call home to Emperor Palpatine begging for beer money? So here…
  • Capital One 360 Online Savings Review

    Mike Collins
    2 Apr 2014 | 4:18 am
    If you’re looking for an online bank that offers interest rates far better than any brick and mortar bank plus a bunch of other customer-friendly features, I strongly recommend you consider opening a Capital One 360 savings account. I’ve had a Capital One 360 account for over two years now (back then it was called an ING Direct Orange Savings Account, until the company was acquired by Capital One).   Setting up and funding a new account  is a piece of cake and I couldn’t be happier with their services so far. Why I Love My Capital One 360 Savings Account I don’t know…
  • 5 Reasons an Online Business Beats Brick and Mortar

    Mike Collins
    1 Apr 2014 | 4:09 am
    A couple years ago a buddy of mine had a backyard birthday party for his son and a few of us were sitting at a table knocking down beers and talking about how quickly time flies by. Inevitably, the conversation turned to work and everyone started complaining about how much they hated their job and wished they could quit.  Right there at the party we started brainstorming business ideas and thinking of ways to escape the rat race. One guy wanted to start a hot dog stand.  Another wanted to buy a truck and ship furniture up from North Carolina to New Jersey.  Someone else suggested we all…
 
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    Bank On Yourself

  • Mutual Fund Fees are Silent but Deadly Wealth Killers

    Admin
    18 Apr 2014 | 8:24 am
    How would you feel if you discovered that every time you put $10,000 into your retirement account, $4,000 or more of it ended up going to pay fees over the next 20 years? And another ten years later, nearly $8,000 of your initial investment had vanished into other people’s pockets? I’m guessing you wouldn’t be a very happy camper. In fact, you’d probably be mad as heck. I hate to be the bearer of bad news, but this is exactly what’s happening to most investors right now. Which means there’s a VERY good chance it’s happening to you. You see,…
  • Is Wall Street rigged?

    Pamela Yellen
    8 Apr 2014 | 4:48 pm
    How would you feel if you went online to buy something – for example, a TV that’s listed at $495.00 – but when you get your order confirmation and credit card statement, you realize you got charged $535.00 for it instead? When you inquire about the price hike, you’re given the run-around, but eventually you’re told that there was only one TV available at that price, and someone else bought it a split second before your order got processed. So they filled your order with the same TV at the then-available best price, which was higher. And, they remind you, they have an…
  • Scratchy toilet paper, lattes and retirement

    Pamela Yellen
    26 Mar 2014 | 4:36 pm
    My husband Larry and I hate scratchy toilet paper so much that when we travel, we pick up some “Charmin Ultra Soft” at a local store. Larry, who likes to be prepared for any emergency, even keeps a roll of his preferred cushy paper in the trunks of both of our cars. Larry says… You just never know when it’ll come in handy” (There are some questions you learn to stop asking…) So why am I telling you about our personal hygiene preferences? Last year, the Obama administration floated a proposal to tie already paltry Social Security cost-of-living increases to…
  • Are we living in the United States of Amnesia?

    Pamela Yellen
    12 Mar 2014 | 10:06 am
    It was announced last week that Americans’ wealth 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 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 sell your assets and lock in your (hopefully) gains, you have nothing more than a bunch of eye-popping numbers on paper. Those numbers…
  • Bank On Yourself Revolution hits New York Times best-seller list!

    Pamela Yellen
    28 Feb 2014 | 1:45 pm
    I just found out my new book, The Bank On Yourself Revolution, hit #4 on The New York Times best-seller list the first week it was released! It also hit #1 on Amazon and the Barnes & Noble website. And it hit the USA Today best-seller list. Order your copy here today and save 27%! One week after the book was released, my publisher had to rush to do a second printing, because they said the book has been flying off the retailers’ shelves. I’m incredibly gratified by this response, as I poured my heart and soul (along with a lot of blood, sweat and tears) into this book.
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    DINKS Finance

  • It only takes one person

    Kristina
    23 Apr 2014 | 2:00 am
    Good morning Dinks.  Have you ever had one of those days when things just didn’t go as planned?  I like to plan.  I like to wake up in the morning and know what’s coming.  I like to know what the day has in store for me.  Unfortunately things don’t always go as planned.  It only takes one person to change your life – for better or worse. Last week I had a really bad money day.  It seemed from the time I woke up to the time I went to sleep everything related to money went wrong in my life.  It was just one event after another of things that went wrong.  First…
  • Rental Property Sold!

    Miel
    22 Apr 2014 | 12:17 pm
    We just took a big step in selling one of our rental properties. This was actually James’ baby, which he purchased in August of 2003, four months before I moved out to Washington. This studio apartment, in the heart of Dupont Circle and a whopping 336 sq ft, was what we initially cut our teeth on for managing rental properties. Since then we’ve purchased two more rental properties in the neighborhood (in 2005 and 2010). We’ll be the first to tell you that being a landlord is not for the meek at heart and shouldn’t be entered into lightly. You may not know that you…
  • A step by step guide to buying a home

    Kristina
    21 Apr 2014 | 2:00 am
    Good morning Dinks.  Are you thinking of buying a house? We are here to help. Our friends at Rate Supermarket are back to help you buy a home with a step by step guide of everything you need to know. Step 1 – Seek out a mortgage broker / compare the market Start by exploring your financing options. Mortgage brokers are ideal because they will take your personal financial situation into account, and will help you find a rate best suited for your needs. Be sure to ask if they have access to all market rates, or if they’re working for a specific lender only. Step 2 – Get a…
  • Weekly Roundup: Easter, Lent and Spring

    Kristina
    18 Apr 2014 | 2:00 am
    Good morning Dinks, happy Friday and happy Easter.  In just two days people all over the world can once again indulge in the vices that they gave up for Lent. This year I decided not to give up anything this year.  Instead I decided to improve upon something – so I gave up swearing.  It wasn’t a total success, it’s more of a work in progress.  But at least I’m trying to better myself. What did you give up for Lent? Happy Easter and enjoy these posts from our friends. Money Talks News – 7 Steps to Make Millions With Your Bright Idea Money Beagle – 9…
  • Are you taking full advantage of your credit card?

    Kristina
    17 Apr 2014 | 2:00 am
    Credit cards can be the frenemy of consumers.  They can be your best friend if you use them wisely but they can also be your worst enemy if you aren’t financially responsible.  Using your credit card for smart purchases every month and paying it off in full saves money on interest payments.  It also helps maintain or increase your credit score. Take advantage of your credit card – don’t let it take advantage of you A smart credit card purchase comes two fold.  The first feature of a smart purchase makes sure the benefit is worth the cost and the second ensures you get a…
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    Wallet Hub

  • Ask The Experts: Making Sense of Dynamic Pricing

    John S Kiernan
    16 Apr 2014 | 7:14 am
    Posted by: John S Kiernan Here’s a riddle for you:  What all-American seats go up and down and all around, bringing strangers peanuts and proximity in nearly all weather? The answer:  Tickets for an American Airlines flight and a Major League Baseball game.  You see, the airline industry and professional sports – American and MLB, in particular – have been innovative with their use of “dynamic pricing” in recent years, offering blueprints for other consumer-facing businesses to embrace the role of auction-based technology and big data in the modern buying-and-selling process.
  • Trend Investing Made Easy

    George Kesarios
    10 Apr 2014 | 1:45 pm
    Posted by: George Kesarios Is it possible to invest money and be successful at it, without knowing anything in particular about what you are investing in? In theory yes, and there are people who are successful in this style of investing. This school of investment thought says that everything is accounted for in the market at any point in time, therefore it is hopeless to try to outsmart the market based on fundamentals. And since the fundamentals are baked in the cake, why bother? The only think investors need to bother with is the trend. If the trend is up, you should be invested, and if it…
  • Infographic: The 2014 Masters Tournament By The Numbers

    John S Kiernan
    7 Apr 2014 | 12:50 am
    Posted by: John S Kiernan The number most significant to the 2014 Masters Tournament is undoubtedly 1.  It will be the 1st Masters since 1995 without Tiger Woods, the world’s No. 1 player, in the field.  And three individuals – Adam Scott, Henrik Stenson and Jason Day – actually have a chance to overtake Woods in the world rankings come Sunday. This just goes to show how much things have changed since 2005 – the last year Woods took home the green jacket.  Both the golf industry and the economy were riding high then, buoyed by the real estate market’s bubblicious growth.  But…
  • Ask The Experts: Inside the Household Budget

    Richard Serlin
    2 Apr 2014 | 8:28 am
    Posted by: Richard Serlin While the economy has been displaying begrudging improvement of late, there is still reason for concern at the household level – primarily when it comes to spending and debt.  The average household owes more than $7,000 to their credit card company, according to CardHub research, and outstanding student loan balances total well over $1 trillion.  What’s more, after displaying year-over-year improvement in credit card spending and payment habits –indicative of overall reliance on debt – in six out of the previous seven quarters, U.S. consumers added 8% more…
  • Avoiding Identity Theft: Expert Tips from CSUN Police Services

    Unknown
    2 Apr 2014 | 8:27 am
    Posted by: Unknown In today’s world, an individual’s prevention efforts against identity theft/fraud have to span far beyond tearing up credit card offers. Technology has made the criminal’s job much easier to target a larger group of unsuspecting victims. Phishing scams can be like shooting fish in a barrel, opposed to the “old school” ways of diving through a neighborhood of dumpsters for personal information haphazardly thrown away. Therefore I’ve included several best practices that cover simple to tech-wise ways to keep personal information protected. For starters, control…
 
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    Student Loan Calculator, Pay off student loans | Student Loan Hero

  • 3 Small Changes That Produce Big Gains for Student Loan Borrowers

    SLH Staff
    22 Apr 2014 | 9:52 am
    When was the last time you thought about paying off your student loans? If you’re like most student loan borrowers, you probably try hard not to think about them – unless it’s to dream about winning the lottery and paying them off in one fell swoop. But what if I told you there are easy […]
  • Should you pay off your student loan debt or invest?

    Kaitlin Butler
    18 Apr 2014 | 10:03 am
    Borrowers often ask us, what financial strategy should I focus on first? Paying off my student loan debt or contributing to 401(k) and/or other retirement investments? Obviously, you want to start saving for retirement as early as possible to take advantage of compounding interest, but you’re also facing large student loan payments each month, every […]
  • Grad Students: Need To Lower Your Monthly Payments? CommonBond Can Help…

    Andrew Josuweit
    20 Mar 2014 | 11:02 am
    Leaving graduate school with six-figure student loan debt can be daunting. But by earning a professional degree, you invested in your career and your future, and that can pay dividends for the rest of your life. Still, there is no denying the burden of student loan debt. Now there’s a company that wants to invest […]
  • 6 Unconventional Ways to Manage and Repay Student Loans

    Stephanie Halligan
    25 Feb 2014 | 7:56 am
    Sick of cutting down on things you love to afford your student loan payments? Feel like you’re not making progress on your debt? It’s easy to feel stuck dealing with the same student loan debt payment month after month – a couple hundred bucks out of your checking account, and only a couple hundred bucks […]
  • Living the Good Life while Paying Off Student Loans

    Stephanie Halligan
    24 Feb 2014 | 7:28 am
    Thought you’d left your ramen-eating days behind in college? If you’re staring at a large monthly student loan payment, you may feel like you’re still living the life of a poor college student – even with your college diploma in hand. It’s easy to feel like student loan payments are getting in the way of […]
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    From the Desk of Robert Jacobs

  • 7 Ways to Beat Financial Stress

    Robert Jacobs
    21 Apr 2014 | 3:09 am
    One of the top reasons for divorce is financial stress due to the inability to manage money. Don’t let money problems take your marriage (if you are married). photo credit: puck90 via photopin cc Constantly worrying about money affects all aspects of your life. They can effect your mood, how you treat people, how you treat your spouse, or affect your health. Financial stress can be avoided or alleviated by taking these 7 simple steps:  Start saving for an emergency fund: If you are living by crisis, then you are probably not prepared for emergencies. Emergencies cause unnecessary…
  • Who else wants to be debt free?

    Robert Jacobs
    14 Apr 2014 | 5:23 pm
    Back in 2007, My wife and I had financed a 50 inch plasma television, a mattress, and not to mention large payments on a Toyota Camry and 4-Runner. We wondered why we couldn’t save money. Then the answer hit us in the head like a baseball bat; debt payments were robbing us from saving money. We decided we needed to become debt free. The insanity had to end. photo credit: StockMonkeys.com via photopin cc So how do you become debt free? There are several steps to get there. But first, you need to ask yourself why you want to become debt free. For my wife and I, we wanted to build savings…
  • Discipline: The Essential Ingredient in Financial Planning

    Robert Jacobs
    31 Mar 2014 | 4:00 am
    This is a post that was originally published on 10/11/2012 Discipline is a dirty word to many of us. Not because it is a bad thing, it’s because most of us lack it and it is so essential to our success in life. Those who have a positive attitude and refrain from engaging in “victim thinking” or constant complaining are more likely to have discipline in their lives then those who do not.  Success and discipline go hand in hand. The use of discipline in financial planning can mean the difference between being wealthy or being poor. Hebrews 12:11 says, for the moment, all…
  • What to do about debt collector calls

    Robert Jacobs
    17 Mar 2014 | 2:21 am
    Follow @robertjacobs01 Debt collectors are ruthless. They harass the crap out of you until they get what they want, your debt payment. They can be rude and they break the law. So what can you do about debt collectors? photo credit: StockMonkeys.com via photopin cc The answer is two-fold; be diligent and be calm. Sounds easy? No, it’s not, but its better than making a mistake like giving in to a collector to pay an old credit card debt which cause you not to pay your electric bill or another necessity. Being diligent is an essential skill in all aspects of life. It involves being able…
  • The Zero Based System is the Only Way to Budget

    Robert Jacobs
    3 Mar 2014 | 3:00 am
    Follow @robertjacobs01 Wouldn’t it be great if congress had a balanced budget? A balanced budget means income minus outgo equals zero. Another term for a balanced budget is zero based. Although congress has the luxury of spending more than they bring in, unfortunately you cannot or you will go broke. photo credit: 401(K) 2013 via photopin cc Broke is exactly what many Americans are. The reason for this is simple; not paying attention to what income comes in and what expenses go out. They lack a plan. A budget is a plan, and a zero based budget is a plan for every dollar that prevents…
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    Modest Money

  • Prosper Review – For Borrowers

    Josh Rodriguez
    23 Apr 2014 | 6:00 am
    We’ve been taking a close look at several different apps for quite a while now. A few months ago, we did a detailed review of Prosper, but noticed that there was something wrong. Prosper has two sides; it’s designed for both investors and for borrowers. Therefore, it didn’t make sense to have an all-encompassing review. So, today, we’re going to take a close look at Prosper strictly from a borrower’s perspective. This way, we can get into the intricate details that only borrowers will be concerned with! What Is Prosper Prosper is a peer to peer lending platform. Peer to peer lending…
  • Choosing A Visa Card Design

    Adam
    22 Apr 2014 | 6:00 am
    The following is a guest post about visa card design. If interested in submitting a guest post please read my guest post policy and then contact me. Who wants a boring debit card? Say goodbye to the dull standard versions issued by your bank. With a little boldness and an eye for flair, you can be on your way to shopping in style. Black Black is the staple color of credit cards, so choosing this one means that your debit or prepaid card will be indistinguishable from all the sleek, shiny plastic of high rollers. Some brands, like the Kaiku Visa prepaid card, go all-out minimalist for…
  • Financially Preparing To Become a Small Business Owner

    Josh Rodriguez
    21 Apr 2014 | 6:00 am
    Being modest with your money doesn’t just mean you spend less, look for deals, and maintain good credit; it goes far beyond that. Most of our readers aren’t just looking for credit score tips. You guys are coming up with side hustles, starting websites, starting your own home business, and eventually living a financially free life. With that said, today, we’re not going to talk about personal finance basics…you’ve got tons of resources for that! Today, we’re going to talk about financially preparing to become a small business owner. Imagine Your Credit Score Not Being As Valuable…
  • Four Considerations for Purchasing Your Glasses Online

    Adam
    18 Apr 2014 | 6:00 am
    Many people still believe that purchasing eyeglasses has to be done in person, but that is no longer the case. As time has passed, technologies have predictably improved, allowing the process of choosing a pair of prescription glasses online to be much easier than ever before. Not only is it easy, but there are a number of significant benefits to buying your glasses online, including the affordability that an online retailer is able to offer. When it comes time to buy your next pair of eyeglasses, consider an online store, as you may be able to find a much wider selection of frames and lenses…
  • Importance of Brand Recognition when Buying Auto Insurance

    Adam
    17 Apr 2014 | 6:00 am
    The following is a guest post about auto insurance. If interested in submitting a guest post please read my guest post policy and then contact me. Auto insurance companies aim to be known by large number of motorists. Recognizing a brand is like getting a recommendation for it from a trusted friend. This time, it is your brain that tells you to buy from this company unconsciously. That is why companies pay millions of dollars every year to establish their brands. They keep drilling the same name through advertisements. This would still be the case even though you have never had any dealings…
 
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    Save Invest Give

  • Reading Review: Week 11

    S. B.
    21 Apr 2014 | 8:35 pm
    The High Dividend Yield Return Advantagehttp://www.tweedy.com/resources/library_docs/papers/TheHighDivAdvantageStudyFUNDweb.pdfThis 17-page study from value shop Tweedy Browne investigates the importance of dividends and their contribution to attractive long-term investment returns.  Whether your approach is deep value, dividend growth, or something else, it's important to make sure you understand the theory and the historical perspective of the particular approach.  Otherwise, there is a substantial risk that without this grounding, you will panic and abandon the approach during…
  • Reading Review: Week 10

    S. B.
    16 Apr 2014 | 9:17 pm
    4 Things to Know About Dividend Investing http://www.cleareyesinvesting.com/2014/04/4-things-to-know-about-dividend.htmlThis article is actually a summary of another article, so I don't want to create a summary of a summary!  Instead, I'm going to comment on the excellent third point of the article, which is that "the market is good at sniffing out dividend cuts well ahead of time."  I stress this point because it's a widespread practice of many dividend investors to sell when dividends are cut and/or frozen.  Some investors do this for portfolio style reasons - they want…
  • Planning versus Doing

    S. B.
    9 Apr 2014 | 5:31 pm
    "All things are created twice: first, a mental creation; second, a physical creation." - Stephen CoveyThis past year has been a time of deep introspection for me.  Sometimes I thought the insights I needed would never come.  But eventually they arrived, and usually when I least expected them.  I would like to gradually share some of these insights, especially those that relate to finances in some way.Planning vs DoingSome people almost instinctively want to plan.  Others are wired to act.  Yet we all know that the best results are obtained when there is some…
  • Reading Review: Week 9

    S. B.
    31 Mar 2014 | 8:30 pm
    Frank Voisin: Book Reviewshttp://www.frankvoisin.com/books/book-reviews/I wish I had the time to review books, instead of just articles.  But at least I can point people to a good collection of reviews of various business and finance books.Bot & Dolly and the Rise of Creative Robotshttp://www.businessweek.com/articles/2014-03-20/bot-and-dolly-and-the-rise-of-creative-robotsIf you've seen the short film Box and wondered how it was made, this article will help you understand.  The crazy thing is that it was made in live action, without postproduction tricks.  There is a…
  • Reading Review: Week 8

    S. B.
    26 Mar 2014 | 4:54 pm
    How High-Speed Traders Are Like Fishhttp://www.bloombergview.com/articles/2014-03-23/how-high-speed-traders-are-like-fishThis is a short, yet interesting, article about price discovery and market synchronization.  It has been decades and decades since any retail trader could realistically hope to consistently trade off of primary news.  Even in the old days, if a company released bad earnings or announced that they lost a major lawsuit, the stock would tank almost instantaneously.  But it wasn't too long ago that traders could profit from delayed moves in related securities…
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    Take A Smart Step

  • Who to Help? Financial Advisor, Coach, Educator or Mentor

    Andrea
    22 Apr 2014 | 2:00 am
    Do you ever get confused when trying to figure out what type of  financial help that you need? There seems to be a never ending line of different titles that you can choose from: financial advisor, financial planner, wealth coach, financial coach, financial mentor, and on and on…. Here is a brief run down of what the differences are, so that you can find the help that you need.   (text summary at end)   Financial Advisor or financial coach? (Click to watch on YouTube) Financial Mentor  -  Financial mentoring is typically when an older person helps a younger person on their way…
  • Five Tips for Picking a Financial Coach

    Andrea
    15 Apr 2014 | 2:00 am
    Thinking about hiring a financial coach? Not exactly sure what to look for in a coach? It is your lucky day – here are my tips in what you should look at and ask any financial coach you are interviewing. (If you would rather watch the video: What to look for in a financial coach) 1. Check their qualifications.   What training have they had? What’s their background? Did they go through coach’s training and then just say they were going to be a financial coach, or do they actually have financial background? You want to make sure that when you’re getting ready to hire…
  • Tax Extension: Everything You need to Know

    Andrea
    8 Apr 2014 | 2:00 am
    Getting close to the tax deadline and still don’t have your taxes done? It might be time for you to consider a tax extension. Here is everything you need to know to get it done correctly and no time! (text version below video)     What you need to know about Tax Extensions: Filing an extension gives you six extra months to get the paperwork done. It does not extend the time you have to pay your taxes due – those must be paid when you file the actual extension paperwork. If you do not pay your taxes with the extension then you may be subject to penalties and interest. The…
  • Financial Independence vs. Retirement

    Andrea
    1 Apr 2014 | 2:00 am
    So you are saving for retirement, but is that the right goal? Today our video looks at the difference between retirement and financial independence. What you will learn in this video: What the difference between retirement and financial independence is. Time to contemplate which you would like to be saving for! Please share your comments below on your views on each of these items. Watch on YouTube: Financial Independence vs. Retirement Need help figuring out how you can find your financial independence or retirement?  Check out my financial coaching services!
  • The Best Way to Create Financial Independence: Follow Your Heart

    Andrea
    25 Mar 2014 | 3:00 am
    Know what really gets me fired up?  Well, lots of things, but today specifically, when I am reading something that goes something like this: You are an idiot if you are not building your own business…. You are an idiot if you are not working to early retirement….. You are an idiot of you are not in real estate…. Why do these bother me so much?  Because the only way to create both happiness and financial independence is to follow your heart. You need to do what makes you happy and not what makes others happy!  That is exactly what I cover in this video, why it is so…
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    NerdWallet's Money-Saving Tips

  • Is a Lack of Confidence Killing Women’s Careers?

    Kevin Voigt
    23 Apr 2014 | 3:00 am
    Women have made great strides in the workforce in recent generations: More women now graduate from college than men, and since 2009 there are as many women in the workforce as men. As I wrote five years ago for CNN, the greatest growing economic force in the world isn’t China or India, it’s women. Yet in the upper echelons of the business world, women have made few statistical strides in recent years. According to the research outfit Catalyst, women’s 16.6% share of corporate board seats hasn’t grown since 2004. The percentage of female executives at Fortune 500…
  • Measure your performance relative to…what?

    Advisor Voices
    22 Apr 2014 | 10:58 am
    By Matt McCoy Learn more about Matt on NerdWallet’s Ask an Advisor How often do you compare your investment portfolio performance to that of the overall domestic stock market, namely the S&P 500? If you are like most investors, you probably have fallen victim to this all too often. We have been conditioned by the financial industry to use these popular market indices as a way to directly compare our portfolio performance. And as human beings, we sure do love to compare our circumstances relative to that of others, don’t we? But is this a fair comparison for your investment…
  • How Do You Do Money? Kelly, Designer

    Heather Yamada-Hosley
    22 Apr 2014 | 4:00 am
    NerdWallet’s How Do You Do Money? series asks people from various walks of life to share their attitudes and approach to personal finance, with the goal of bringing transparency to discussions surrounding money. In this installment we speak with Kelly Jepsen, a 24-year-old designer living in Hamilton, New Zealand. This is how he does money. What do you do for your main source of income and how did you get into that line of work? I am a designer. Specifically, I studied computer-based graphic design and found myself in a full-time UI/UX designer position which has also grown to include…
  • How Rich Do You Have to Be to Actually Feel Rich?

    Kevin Voigt
    22 Apr 2014 | 3:00 am
    Pity the poor rich, it ain’t easy being a one percenter. In a Bloomberg article last week, writer Ben Steverman took on a daunting task: making us feel sorry for America’s top 1%—that is, households earning an adjusted gross income of $389,000 or more in 2011. After an arm-length list of caveats, Steverman makes the case that the top earners in the world’s largest economy have greater trouble making ends meet than the 99% might think. “[P]ut aside the tone-deaf rich and their caricatures in pop culture. Hold the class warfare,” he writes. “High-earning Americans who…
  • Is Your Car One of the World’s Most Popular?

    Kevin Voigt
    21 Apr 2014 | 3:00 am
    Thanks to the unusually tough winter in much of the United States, there is great pent-up demand for buying automobiles this spring—and better deals as dealerships hope to regain lost traction from frigid weather. As car buyers return to the sales lot, a look at the top-selling cars worldwide in 2013 might help whet your appetite for a new ride. The bestseller list also highlights the fact that the U.S. car market is no longer king of the road. China overtook the U.S. as the world’s biggest car market in 2009 and hasn’t looked back since. The rising fortunes of the middle class in…
 
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    The Truth About Credit Cards.com

  • Why Do Credit Cards Have PINs?

    Colin Robertson
    16 Apr 2014 | 3:06 pm
    You may have heard news lately regarding chip and PIN technology. Come October 2015, credit card issuers in the United States will migrate to smart chip technology in an effort to combat fraud that is so prevalent with magnetic stripe cards. In the rest of the world, these smart chip credit cards are already widely [&hellip
  • When Do Credit Cards Actually Expire?

    Colin Robertson
    4 Apr 2014 | 10:55 am
    There seems to be a lot of confusion about credit card expiration dates, mainly because credit card issuers only list the month and year on the card, as opposed to the day in most cases. So I decided to go straight to the source to get to the bottom of this once and for all. [&hellip
  • The Credit Card Cold War Halts Visa and MasterCard Payments in Russia

    Colin Robertson
    25 Mar 2014 | 12:43 pm
    The recent military action in Crimea has conjured up memories of the Cold War, which some believe really never ended, especially now that Russia is flexing its muscles once more. Back in the 1980s, blue jeans were smuggled into the Soviet Union because the Motherland wanted nothing to do with products from the consumerist West. [&hellip
  • There’s a New Gameboy-Esque Device the Size of a Credit Card

    Colin Robertson
    10 Mar 2014 | 11:03 am
    If you’re new to this site, let me first point out that I attempt to cover all products the size and shape of a credit card. That means I’ve reviewed the credit card knife and fork, the credit card bottle opener, the credit USB charge card, and the CombiBar, which is a small gold bar [&hellip
  • Amex EveryDay Card Review: Smart Chip Technology and 0% APR

    Colin Robertson
    3 Mar 2014 | 12:42 pm
    The crowded credit card lineup at American Express is about to get even more jam-packed. Coming to a wallet near you soon will be the “Amex EveryDay Credit Card,” which sounds an awful lot like the Blue Cash Everyday credit card, but has its own unique qualities. Amex EveryDay Is Big on Membership Rewards The [&hellip
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    PennyMac's Mortgage Blog

  • Understanding the Rules for Deducting Home Mortgage Interest

    15 Apr 2014 | 2:11 pm
    The IRS's home mortgage interest deduction is one of the most valuable tax write-offs for American families. While its effect can vary depending on your income, other deductions, and your mortgage, it's likely that it will reduce your annual tax costs by thousands of dollars. Claiming it is relatively simple for most people, as long as you follow the IRS's rules. 1) Itemize or Else To claim the deduction, you have to itemize by filing a long-form 1040 tax return and attaching Schedule A. This means that you have to give up the standard deduction, which is $6,200 for a single…
  • Understanding ARMs - The Basics of How ARMs Work

    3 Apr 2014 | 4:38 pm
    An adjustable rate mortgage (ARM) is most simply defined as a home loan with an interest rate that can go up or down over time. Part of the rate is typically based on a broader measure of interest rates, called an index. Like any other loan, the initial agreement spells out the terms, so you should have a clear understanding of all the details before you make a decision. Some of the factors you should consider when evaluating an ARM include the initial rate, the initial rate period, and the adjustment period. We'll use the example of a lender offering a customer a "5/1 LIBOR…
  • Tax Time - Deducting the Expenses of Owning a Home

    31 Mar 2014 | 4:40 pm
    According to a 2009 paper from the National Association of Home Builders, a relatively typical American household taking out a typical mortgage can save around $8,600 on taxes in the first five years of homeownership. While you might know that you can write off your mortgage interest, this deduction is one of many that you may be eligible to claim. While laws vary and your situation may be different, here are some of the many expenses that might be deductible for your home. Mortgage Interest (Including Refis, Seconds and HELOCs) The IRS lets you write off the interest on up to…
  • 4 Things to Do After a Short Sale

    25 Feb 2014 | 10:12 am
    If you've sold your house in a short sale, you aren't necessarily destined to renting for the rest of your life. While you might not be able to move right from the house you sold into a new one that you bought, buying a home after a short sale is something that you can do in time. Here is a simple four-step process that can get you from short sale to homeowner in less time than you might expect. 1. Confirm the Sale Was Reported Correctly Once the short sale process is finished, ask your lender for a short sale letter. The letter is a document that confirms that you negotiated a…
  • Veteran Home Loans: Understanding VA IRRRLs

    21 Feb 2014 | 12:13 pm
    One of the many benefits current and former service members may have is special financing through the Veterans Administration. Veterans Administration loans, or VA loans, offer simple qualifying terms, low rates, and minimal equity requirements. VA loans do not require mortgage insurance nor PMI if you have less than 20 percent equity in your home. When buying a home, qualifying military personnel may not even need a down payment when working through the VA loan program. When it's time to refinance, VA borrowers don't have to give up their current loan's benefits. The VA IRRRL -- interest…
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    Moneycation

  • Why did the government allow the Mortgage Forgiveness Debt Relief Act to expire?

    A.W. Berry
    23 Apr 2014 | 6:00 am
    By Paul Ritz Mortgage debt forgiveness helps "underwater" home ownersThe Mortgage Forgiveness Debt Relief Act expired on December 31st 2013. Since then there has been a constant demand for its re-enactment, but until now the government has maintained its silence over this issue.Even though the current state of American economy is far better than what it was 4 years ago but a lot of people are still facing financial hardships.Numerous surveys and opinion polls have confirmed that the general American population was in favor of re-enactment of the Mortgage Forgiveness Debt Relief Act. The law…
  • Financial news 04/23/2014

    A.W. Berry
    23 Apr 2014 | 3:00 am
    • NYT: U.S. middle-class wage growth outpaced by foreign countries• AP: College grad. unemployment rate is 10.9% per the U.S. Dept. of Labor• ZH: More low down-payment subprime loans indicates ↓ mortgage standards• CNBC: Private student loans may  immediate payment clause per CFPB• CNN: New Netflix customers to be charged more than existing customers• NAR: Used home sales ↓.2% in March, yr-over-yr median home price ↑7.9%• Bloomberg: Barclay's bank to withdraw from commodities trading business• Business Insider: Amazon sales ↓ 10% in states requiring sales tax…
  • Behavioral finance: The inefficiency of human financial decision making

    A.W. Berry
    22 Apr 2014 | 6:00 am
    People are slow to react and over optimistic when it comes to financial decision making according to behavioral finance. They also like to pay more in trading commissions and capital gains taxes in addition to insufficiently diversifying their assets. Whether or not that is actually true depends on who is being included in academic research and how accurately the numbers represent the population of investors. Nevertheless, that fact these kinds of financial behaviors exist at all does indicate that perfect market efficiency is a myth so long as humans are directly involved. Behaviour finance…
  • Financial news: 04/22/2014

    A.W. Berry
    22 Apr 2014 | 3:00 am
    • CNBC: Stock market correction probable per money manager• CNN: Survey finds 73% of Americans are wary of the stock market• MW: Successful tech stocks from 2013 reporting weak earnings in Q1 • Bloomberg: Companies to spend $100 billion exploring Arctic over 10 yrs• Reuters: Court decision could make prosecution of insider trading difficult• NYT: California drought could leave 7% of state farmland unsown• Zero Hedge: Deflation benefits consumers, but not banks and financiers• Business Insider: LinkedIn's demographic make it appealing to marketers• BBC: Kraft has recalled…
  • Do project consultants need to be involved in the requirements management process?

    A.W. Berry
    21 Apr 2014 | 7:00 am
    By Beth Nicholas The requirements management processes within any project are a notoriously challenging aspect that have the potential to unhinge even the most organised of projects. Achieving optimal efficiency within requirement management is not merely a matter of meticulous documentation, but can actually take a decidedly stubborn shift over to the PR and customer communications realm. Taking a look at the basics of requirements management In order to appreciate what requirements specification management really is one must break it down and strip it back to its most basic level.
 
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    LCF on Personal Finance

  • This guy insurance policy doesn’t pay him, and you won’t believe WHY until you read this

    ChingFoo Lieu
    21 Apr 2014 | 3:27 am
    This is quite an unusual scenario where a man in his 40′s, Stephen Ng, has prostate cancer. Apparently, he wrote a letter to Tan Sri Zeti some time ago, then 2 opens letters which got published at FreeMalaysiaToday and Malaysiakini when Zeti didn’t respond. Anyway, the man’s urological surgeon suggested that he should avoid surgery, because radiotherapy and hormonal treatment is less invasive and will give an equally good outcome. This would cost Stephen about RM33,000. A medically sound decision, yes, but after consulting his insurance company about the medical treatment,…
  • Economic contraction in 2014? See this similarity with 2008 to believe it

    ChingFoo Lieu
    8 Apr 2014 | 9:12 pm
    How likely is it to face an economic recession this year (2014)? If we are able to detect a trend before that happens, then we could prepare ourselves to “brace for the impact”, instead of being taken by surprise – when we are able to see the trend is already there. You can throw the fundamentals (of any form of investment or any company) out the window when the down cycle comes – that is not to say we should panic but it’s more of managing the risk of macroeconomics. We analyze what we can control based on data and manage what we can not. And the data we want to…
  • Why Job Security is overrated, and Why Businessman Makes Bad DIY Investor

    ChingFoo Lieu
    31 Mar 2014 | 4:36 am
    Whether you are an employer or employee, this makes a good read. They say – the fool makes the same mistakes and never learns, smart man made the mistakes and learn from it while the wise man learns from others’ mistakes. The below are the words from Millionaire Investor Program founder, Ken Chee (the first part) and Lim Dershing, an active angel investor in digital media startups in SEA in his article at DrWealth (second part). I am not affiliated to the products or services offered at the time of this writing, and I am not promoting them. It is for the sole purpose of sharing…
  • How to really write a fool-proof personal will for asset preservation

    ChingFoo Lieu
    22 Mar 2014 | 9:36 pm
    Most people thought they are not “old” enough or don’t “have enough assets” to have the need of writing a will. Frankly, I used to think like that too but I want to share with you the intricacies of not having a will after something passed on. Then you can look at your current situation and judge whether it is necessary. Even if you already have a will, check a few pointers below because the writing a will is just a start of doing the right things right the first time; the more important thing is the execution part. The Agonizing Process of getting Letter of…
  • Why Healthcare Costs & Insurance Premiums are bound to increase

    ChingFoo Lieu
    11 Mar 2014 | 6:22 am
    The title of a newspiece I read in Focus Malaysia last week is blunt – “Outrageous medical fee hike”. Referring to my previous commentary on medical fee hike – 1 Additional Rise (Surprise) in Cost of Living which will Hit us Hard – up to 300%,  the HCK editorial team really lives up to its slogan “Open to all business but influenced by none”.  Subscription to its newspaper is Highly recommended. The below are the excerpts from the article why analyzes the whole scenario at a deeper level. Hospital charges are not regulated by the government, thus, the…
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    Money Soldiers

  • Saving on Print Costs when You’re Starting Out in Business

    Arnel Ariate
    18 Apr 2014 | 9:12 pm
    When you’re starting out in business, it’s important to keep all costs to a minimum.  You need to establish yourself in your chosen sector without having to pay out a great deal of money and one area which is important is print costs associated with marketing materials and stationery.  Printing can range from business cards […]Saving on Print Costs when You’re Starting Out in Business is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • 4 Wacky Car Insurance Claims

    Arnel Ariate
    15 Apr 2014 | 10:30 pm
    There are millions of vehicles and all types of drivers.  On any given day a stranger than fiction scenario can happen out of the blue that leads to a wacky or weird auto insurance claim.  These four real life incidents show why it is necessary for everyone to have the protection of good car insurance. […]4 Wacky Car Insurance Claims is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Types of Student Loans

    Arnel Ariate
    7 Apr 2014 | 10:05 pm
    College can be expensive, so it’s important to have a basic understanding of different types of student loans before you borrow.  That way, you can feel more in control of your financial standing, maximize the amount of federal aid you receive and minimize the amount you have to repay down the line.  Whether you’re enrolling […]Types of Student Loans is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Why Do You Need to Consider the HECM Program?

    Arnel Ariate
    6 Apr 2014 | 9:04 pm
    HECM or “Home Equity Conversion Mortgage” is a program which was presented as a safe arrangement for senior citizens and constrained income groups, to get maximum financial security throughout the later phases of their life.  FHA Loan Matcher is one of the sample organizations that offers important reverse mortgage programs for senior natives to lead […]Why Do You Need to Consider the HECM Program? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How Can Your Business Prepare for a Natural Disaster?

    Arnel Ariate
    3 Apr 2014 | 10:00 pm
    Now that winter is over, it might be tempting to believe that your business is safe from the weather, especially if you live in the Northeast or Midwest.  It makes sense as winter was very tough this year, and many places experienced record snowfall, causing businesses to close or lose business.  While the winter certainly […]How Can Your Business Prepare for a Natural Disaster? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • Does Unemployment Affect Your Investing Decisions?

    Jason Hull
    23 Apr 2014 | 3:06 am
    “The singer-songwriter has always played music that was stylistically rooted in the ’30s and the Great Depression and the Dust Bowl. But the fact of the matter is that none of us remember the Depression firsthand.” –Steve Earle My grandparents grew up in the Great Depression. Both of them lived in agricultural areas that weren’t […]Learn to beat your Monkey Brain and Accelerate Retirement. Does Unemployment Affect Your Investing Decisions? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: House Underwater and You Have to Move?
  • What to Do With the Money You Make From the Sale of Your Company

    Jason Hull
    21 Apr 2014 | 3:02 am
    “Exits are the best part of being an entrepreneur or investor. It’s when we get financially rewarded for all of the creativity, hard work, investment and risk we put into our companies.” –Basil Peters When I finally inked my buydown from the company I co-founded, it was a surreal feeling. Over the next 3 years, […]Learn to beat your Monkey Brain and Accelerate Retirement. What to Do With the Money You Make From the Sale of Your Company is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Should I Work for a Company That Only Wants to Pay Me in…
  • Maximize Your Lifetime Utility

    Jason Hull
    18 Apr 2014 | 3:20 am
    “I think Smithers picked me because of my motivational skills. Everyone says they have to work a lot harder when I’m around.” –Homer Simpson When we hit PIRE, we plan on doing a lot of world travel rather than seeing places in the United States that we haven’t seen. It’s not that we don’t think […]Learn to beat your Monkey Brain and Accelerate Retirement. Maximize Your Lifetime Utility is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Are You Measuring the Utility of Your Spending? Save for Now or Save for Later? Where’s the…
  • Perspective

    Jason Hull
    16 Apr 2014 | 3:24 am
    “It is a narrow mind which cannot look at a subject from various points of view.” –George Eliot I’ve had a tricky back for a long time. I remember first going to the doctor about it when I was a plebe. It didn’t really bother me much and would occasionally spasm up, but then the […]Learn to beat your Monkey Brain and Accelerate Retirement. Perspective is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why a Conflicted Adviser Doesn’t Help You by Disclosing His Conflict of Interest What to do if You Receive a Life Insurance Benefit Why…
  • Should I Pay Down the Mortgage or Invest the Difference?

    Jason Hull
    14 Apr 2014 | 3:19 am
    To quote a reader, this article is “worth getting to the end,” so, make sure you get to the end! “Worm or beetle – drought or tempest – on a farmer’s land may fall, Each is loaded full o’ ruin, but a mortgage beats ‘em all.” –Will Carleton This is one of the most common […]Learn to beat your Monkey Brain and Accelerate Retirement. Should I Pay Down the Mortgage or Invest the Difference? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Hull Financial Planning Personal Finance FAQ Series: Should I Pay Additional…
 
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    Listen, Money Matters!

  • The Psychology of Money with Kristin Wong (Ep. 36)

    Matt Giovanisci
    21 Apr 2014 | 5:00 am
    On this episode we welcome blogger Kristin Wong to discuss the psychology of money. She grew up in a frugal home, but didn’t have any guidance in investing. The post The Psychology of Money with Kristin Wong (Ep. 36) appeared first on Listen, Money Matters!.
  • The Wisdom and Pitfalls of Zero Percent APR Financing (Ep. 35)

    Matt Giovanisci
    14 Apr 2014 | 5:00 am
    On this episode, we talk about how zero percent APR financing, when not utilized intelligently, could come back to bite you in the ass. The post The Wisdom and Pitfalls of Zero Percent APR Financing (Ep. 35) appeared first on Listen, Money Matters!.
  • Money For The Love of Freedom (Ep. 34)

    Matt Giovanisci
    10 Apr 2014 | 5:00 am
    On this episode, we discuss why you should stop thinking about money because it will make you rich and start thinking about how it will give you freedom. The post Money For The Love of Freedom (Ep. 34) appeared first on Listen, Money Matters!.
  • Is Frugality More Trouble Than It’s Worth? (Ep. 33)

    Matt Giovanisci
    8 Apr 2014 | 5:00 am
    On this episode, we discuss frugality and why sometimes it can be more trouble than it's worth. The post Is Frugality More Trouble Than It’s Worth? (Ep. 33) appeared first on Listen, Money Matters!.
  • 4 Hacks To Pay Off Your Student Loans

    Adam Carroll
    4 Apr 2014 | 5:00 am
    Each factoid below is followed by one or more student loan hacks that can help you get rid of that student loan debt once and for all! The post 4 Hacks To Pay Off Your Student Loans appeared first on Listen, Money Matters!.
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    Personal Finance Updates

  • 6 Tips to Help You Reduce Credit Card Debt – Military Saves

    MColden
    14 Apr 2014 | 1:52 am
    6 Tips to Help You Reduce Credit Card Debt – Military Saves 3. Leave your card at home. If you truly want to begin decreasing your credit card debt, begin leaving your card at home. Doing so will prevent impulse purchases of items you don’t really need. If you have trouble doing this, … Original article […] The post 6 Tips to Help You Reduce Credit Card Debt – Military Saves appeared first on Personal Finance Updates.
  • 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet

    MColden
    14 Apr 2014 | 1:51 am
    5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet Besides the emergency-related planning that you need to do, there are many ways single parents can manage their finances in an effective manner. Read on to learn five finance tips for single parents, and how to make them … Original article on http://wallstcheatsheet.com Sun, […] The post 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet appeared first on Personal Finance Updates.
  • Home Mortgage Tips That Can Help You Out |

    MColden
    14 Apr 2014 | 1:49 am
    Home Mortgage Tips That Can Help You Out | Buying a home can be a life changing experience, so be sure that you know what goes into getting approved for your home mortgage. There are quite a few things that you’re going to need to do, and this article is going to … Original article on […] The post Home Mortgage Tips That Can Help You Out | appeared first on Personal Finance Updates.
  • 8 tips for spring cleaning your finances – - MSN Money

    MColden
    8 Apr 2014 | 1:41 am
    8 tips for spring cleaning your finances – - MSN Money It’s time to toss those dusty bank statements and shop around for better rates. – MSN Money how-to-budget tips and articles. Original article on http://money.msn.com Tue, 01 Apr 2014 15:15:00 GMT Read more … The post 8 tips for spring cleaning your finances – - MSN Money appeared first on Personal Finance Updates.
  • Get your house in order: Repairing your credit before you buy a home – Fox News

    MColden
    8 Apr 2014 | 1:39 am
    Get your house in order: Repairing your credit before you buy a home – Fox News Get your house in order: Repairing your credit before you buy a homeFox NewsFor those with bad credit, buying a home can feel like an impossibility. Even if you can qualify for a mortgage, a bad credit score will […] The post Get your house in order: Repairing your credit before you buy a home – Fox News appeared first on Personal Finance Updates.
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    Bargains with Brittanie

  • Reward Programs to Join!

    Brittanie
    23 Apr 2014 | 12:18 pm
    Taking advantage of reward programs means you are putting money back into your pocket. There are several FREE Reward Programs to Join that give you rewards just for making purchases. I have compiled a huge list for you below and recommend you sign-up for as many of them as you can to maximize your savings. […] The post Reward Programs to Join! appeared first on Bargains with Brittanie.
  • Hancock Fabrics Extra Savings Sale! Save up to 20% off!

    Brittanie
    23 Apr 2014 | 10:17 am
    It’s Spring and it’s great time for crafting. Hancock Fabrics wants to celebrate by hosting an Extra Savings Sale at HancockFabrics.com where you can save up to 20% off! Get 10% OFF on $30 or more with coupon code AYTTH. Get 15% Off on $60 or more with coupon code AYTFT. Get 20% Off on […] The post Hancock Fabrics Extra Savings Sale! Save up to 20% off! appeared first on Bargains with Brittanie.
  • The Madison Reed Giveaway Winner Is…

    Brittanie
    23 Apr 2014 | 8:57 am
    Thank you to everyone who continues to enter giveaways on the site. The Winner of the Madison Reed Hair Color Gift Set Giveaway  Is… a Rafflecopter giveaway Congratulations! If your name is listed above please check your e-mail. I have sent an e-mail to the e-mail address provided in your entry. Winner has to claim their prize within 48 hours […] The post The Madison Reed Giveaway Winner Is… appeared first on Bargains with Brittanie.
  • FREE Bottle of Fabuloso All-purpose Cleaner at Lowe’s!

    Brittanie
    23 Apr 2014 | 8:41 am
    Right now you can get a FREE Bottle of Fabuloso All-Purpose Cleaner after Cash Back from TopCashBack.com! This is a $1.00 value! Here is how: Head over to TopCashBack.com and sign-up for a new account. Once you’ve created an account search for “Lowe’s” in the search box. You will see where is says “up to $1.10″ click on get cashback. […] The post FREE Bottle of Fabuloso All-purpose Cleaner at Lowe’s! appeared first on Bargains with Brittanie.
  • Baby Bathing Protect Soft Cap Hat only $1.39 + Free Shipping!

    Brittanie
    23 Apr 2014 | 8:29 am
    If you have a baby then you have to check out this item because it will make your life so much easier! Right now you can get this Baby Bathing Protect Soft Cap Hat for only $1.39 + Free Shipping! 100% brand new and high quality. Quantity: 1 It is available for 0-6 years’ kids Soft […] The post Baby Bathing Protect Soft Cap Hat only $1.39 + Free Shipping! appeared first on Bargains with Brittanie.
 
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    The Simple Money Blog

  • Feedback

    Angela and Kirby
    21 Apr 2014 | 6:30 am
    AJ: Over the course of my life I have become increasingly aware of the amount of feedback people have about other people’s lives. We’re all guilty of inserting our opinions where they might not have been requested, but what happens … Continue reading →
  • Finding financial faith

    Angela and Kirby
    7 Apr 2014 | 6:45 am
    KJ: How do you find financial faith? Those times in your life when you’re struggling with “is it enough” or “am I on the track that I need to be?” With so many unknowns – especially in your more long-term … Continue reading →
  • A target to aim for: what do I need to save for retirement?

    Kirby
    24 Mar 2014 | 5:10 am
    KJ: One of the commercials that Fidelity had running a few years ago had a green arrow with a number above each person. The magic number was the amount of money that person needed to have socked away for retirement. … Continue reading →
  • The simple secret to building long-term wealth

    Kirby
    17 Mar 2014 | 4:30 am
    KJ: So, here goes. The simple secret to building long-term wealth. A strategy so simple, how can it possibly be true? Is it a genius idea, is it working 70+ hours per week, eliminating your weekends from your personal life, … Continue reading →
  • Eight super fun things to do with your tax refund

    Kirby
    10 Mar 2014 | 4:15 am
    KJ: With the average tax refund for 2012 coming in at a whopping $2,803 – just shy of the average for 2011 that was even higher at $2,913 – what should you do with your income tax refund? With this … Continue reading →
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    Money Street Smart

  • 7 Ideas for Using Spare Change

    Catherine Alford
    16 Apr 2014 | 6:01 pm
    These days, most people use credit cards and debit cards to pay for their purchases mostly out of convenience. However, there are still many people out there who love using cash, especially when they are fans of all that loose change! If you have a ton of loose change hanging out in your pockets or […]
  • Smart Saving When It Comes to New Babies

    Catherine Alford
    18 Mar 2014 | 12:00 am
    Any day now, I’m going to become a mother to twins! To say I’m excited is an understatement. This is my first pregnancy, my first time being a parent, and I feel so lucky that my husband and I will be welcoming not one but two new little people into our home very soon! Because […]
  • How I Saved $7,000 for Moving Costs

    Catherine Alford
    12 Mar 2014 | 7:36 pm
    Last year was a really great year in terms of reaching my savings goals, and a large part of that success was due to working tons of extra hours and heavily monitoring my spending. Just a few months ago I wrote about how I saved a $10,000 savings fund when I found out I was […]
  • Clever Ways to Avoid Useless Fees and Bills

    Catherine Alford
    6 Mar 2014 | 8:48 pm
    There’s nothing worse than handing over your hard earned cash just because of some hidden cost or because you were disorganized. But don’t worry; there are so many ways to avoid useless fees and bills. Plus, we’re not too far into 2014, so you can absolutely make it your goal to avoid fees this year. […]
  • 4 Things a Newbie Investor Shouldn’t Do

    Catherine Alford
    25 Feb 2014 | 8:37 pm
    I’ve recently becsme interested in investing and the global markets in the past year, so I still consider myself a “newbie” investor. However, I’m always surprised at those who jump into the game too quickly, as I personally am a very cautious, conservative person when it comes to investing my hard earned cash. So for […]
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    My Money Design

  • Why You’re Not Making Any Website Income and The One Thing You’re Not Doing About It

    MMD
    21 Apr 2014 | 2:00 am
    Stop me when this sounds familiar … You read about all the money everyone else is making on their websites. You get all excited because it sounds like a great and extremely easy wealth generation strategy. You convince yourself that you could make that same amount of website income too. You slap some ads up.  […] The post Why You’re Not Making Any Website Income and The One Thing You’re Not Doing About It appeared first on My Money Design. [Click here to read more]
  • Why Do You Need to Know Your Credit Score?

    Staff
    17 Apr 2014 | 9:36 am
    Why exactly does everyone always say you need to know your credit score?  What is it about it that makes it so important? First things first, you need to understand what it is.  Your credit score is the statistical method that lenders use to determine how likely you are to pay back money borrowed, states […] The post Why Do You Need to Know Your Credit Score? appeared first on My Money Design. [Click here to read more]
  • Can the Experts Really Help Us Find Good Stocks to Invest In? Let’s See for Ourselves

    MMD
    14 Apr 2014 | 2:00 am
    One of the most thrilling and scary things you can do with your money is to buy individual stocks. I like to hold a small portion of my investments in individual stocks because I have found it to be a very useful component to my overall plan for financial freedom (my money design as I […] The post Can the Experts Really Help Us Find Good Stocks to Invest In? Let’s See for Ourselves appeared first on My Money Design. [Click here to read more]
  • Make Sure You Choose Your Family Health Care Insurance Wisely

    Staff
    11 Apr 2014 | 4:44 am
    For all the millions of people in the world who don’t work, freelance, or are semi self employed, they take on the ultimate responsibility of finding their own family health care insurance. Unfortunately we live in a society nowadays where any and all medical care is somehow influenced by what sort of health insurance you […] The post Make Sure You Choose Your Family Health Care Insurance Wisely appeared first on My Money Design. [Click here to read more]
  • 14 Easy Ways How to Cut Power Bill Expenses During the Winter

    Staff
    9 Apr 2014 | 9:50 am
    The winter-time can be a very challenging time for most people. It’s cold.  It’s dark.  And it’s hard to travel. Unfortunately all of those things can make people want to stay indoors during that time.  And that can lead to a big increase in your energy bill. All of the sudden you’re dealing with drafty […] The post 14 Easy Ways How to Cut Power Bill Expenses During the Winter appeared first on My Money Design. [Click here to read more]
 
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    The Quizzle Wire

  • Your Credit Score and Your Car Loan

    Stephanie Halligan
    23 Apr 2014 | 6:00 am
    If you’re in the market for a new car, you probably have a couple numbers on your mind: the mileage, the price of the car and the monthly payment. But the one number you may not not be thinking about that could seriously impact how much you pay for your new ride? Your credit score. Unless you’re paying for a car with straight-up cash, you’ll like have to shop around for a car loan. And your credit score will impact what kind of rate you can get on your auto loan – or even whether you’ll qualify for a loan at all. Just how does your credit score impact your auto loan? Like other…
  • The Effects of Divorce on Your Credit Score

    Cathy
    22 Apr 2014 | 8:15 am
    In many marriages, one spouse pays little to no attention to the household finances. But if the marriage is coming to an end, both spouses need to be concerned because divorce can have a substantial impact on both of their credit ratings. The act of divorce itself doesn’t impact your credit. But divorce is rife with financial issues, and the division of assets and debts can have a huge impact on the credit history of both you and your spouse. Perhaps the main impact of divorce on credit involves joint accounts. A divorce decree will spell out who is responsible for which accounts, but…
  • Make Quarterly Tax Payments Electronically

    Miranda Marquit
    21 Apr 2014 | 12:00 pm
    Now that Tax Day is passed, it’s a good time to take stock of your situation, and make arrangements to be better prepared for next year. One of the ways you can do this is by setting up quarterly payments if you own a business or are self-employed. As Forbes reports, the IRS is with the times, making it easy for you to pay your tax bill four times a year, as is expected of you. There’s no reason to make your quarterly estimated tax payments with the help of vouchers and checks and trips to the post office. Instead, you can use the Electronic Federal Tax Payment System (EFTPS) to manage…
  • Why a Credit Card Can Be a Good Idea

    Miranda Marquit
    21 Apr 2014 | 6:00 am
    Many of us are used to thinking of credit cards as evil. And it’s true that carrying credit cards and using them too freely, without a plan for paying off the balances, can lead to crushing high-interest debt. However, having a credit card doesn’t have to lead to debt bondage. With the right mindset, a credit card can be a good idea. With the right approach, a credit card is just another financial tool. Convenience First of all, a credit card is convenient. It’s much more convenient to carry a card than it is to carry a wad of cash. When you travel to other countries, a credit card is…
  • Quizzle Top 5 Weekly Must-Reads – April 20, 2014

    David Quilty
    20 Apr 2014 | 6:00 am
    A collection of Quizzle’s Must-Read Articles for the week ending April 20, 2014: First Baby? Here are 4 Products Worth Splurging On Just like any other purchases, some baby gear is worth the investment, while some will clutter up the nursery until you have a yard sale a decade later. Getting in shape without paying a dime Using body weight and leverage is possible to put stresses on the body that would correspond to a couple of hundred pounds in the gym. Why You Need To Tackle A Difficult Task Today If you’ve been putting off a difficult task for any length of time, then putting it…
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    Credit Card Insider » Insider

  • What is The Best Credit Card For Summer Travel?

    John Ulzheimer
    22 Apr 2014 | 7:24 am
    If you don't have the cash to pay for your summer vacation, taking advantage of the points earning potential on certain travel-oriented credit cards can put a little cash back in your pocket after you splurge on your getaway. But which card is the best earner?  Here’s a look at some of the best credit… Continue Reading › The post What is The Best Credit Card For Summer Travel? appeared first on Credit Card Insider.
  • Best Cash Back Credit Cards – Spring 2014

    Gideon Sandford
    21 Apr 2014 | 11:30 am
    Why cash back? Travel rewards credit cards are enormously popular right now, as you may have noticed if you’ve visited an airport in the last decade. But while I love earning travel rewards on my credit card purchases, I carry several cash back credit cards as well. Why? Because in addition to being enormously flexible,… Continue Reading › The post Best Cash Back Credit Cards – Spring 2014 appeared first on Credit Card Insider.
  • Best Hotel Credit Cards, Spring 2014

    Andrea Osmun
    18 Apr 2014 | 8:06 am
    You’re a frequent traveler and want a credit card that will earn you rewards, save you money, and even offer you some luxury. These three hotel credit cards generally offer the best overall value. This card generously rewards purchases with points toward free nights and airline miles. Its reward program is extremely flexible and popular,… Continue Reading › The post Best Hotel Credit Cards, Spring 2014 appeared first on Credit Card Insider.
  • Review of the Starwood Preferred Guest card from American Express

    Kimberly Rotter
    16 Apr 2014 | 3:00 am
    The Starwood Preferred Guest card from American Express is a popular rewards-earning card for individuals and businesses with great credit. The offer New cardmembers can earn up to 25,000 bonus points: 10,000 after the first purchase is made with the card, and an additional 15,000 after spending $5,000 within the first six months of membership.… Continue Reading › The post Review of the Starwood Preferred Guest card from American Express appeared first on Credit Card Insider.
  • How Can I Help My Children to Establish Credit Properly?

    John Ulzheimer
    15 Apr 2014 | 7:54 am
    A recent survey conducted by Experian Consumer Services indicates two out of three Millennials (aged 18 to 30) surveyed have needed a cosigner to qualify for things like college loans (35 percent), residential leases (32 percent), and car loans (19 percent). Regardless of how responsible your child is, however, co-signing means putting your own credit… Continue Reading › The post How Can I Help My Children to Establish Credit Properly? appeared first on Credit Card Insider.
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    SideHustle HQ

  • Starting a Perfume Business on the Side

    SideHustleHQ
    4 Apr 2014 | 2:22 pm
    These days, luxury consumer goods are often the best way to make serious money as a small-time entrepreneur. High-volume, low-margin businesses are really more appropriate for entrepreneurs with deep pockets. If you’re looking for an entrepreneurial opportunity with the potential for massive profits, a fragrance business is a good place to begin. Launching your own line of perfumes isn’t even that difficult if you know what you’re getting into beforehand. The following rough business outline will help you to get your fledgling fragrance enterprise off of the ground in short…
  • Starting a Kids Bounce House Business

    SideHustleHQ
    21 Mar 2014 | 10:59 pm
    Parents consistently spend billions of dollars every year ensuring that their children create memories that will last a lifetime. Consequently, you can make a lot of money by starting a business that revolves around birthday parties and other events for kids. Founding a bounce house business is one way to take advantage of this bustling industry. Building a bounce house company isn’t as costly as you might think if you plan out your enterprise in advance. By having a solid blueprint in place, you can make a bounce house quite profitable over time. Select Your Business Model…
  • 9 Ways to Make Money with Food, Cooking & Recipes

    SideHustleHQ
    14 Mar 2014 | 2:16 pm
    A decade ago, the term “foodie” was barely on anyone’s radar. Nowadays, you can’t go anywhere online or in the real world without running into it. Such is the strength of the renewed interest in eating well. Clearly, there’s money to be made by exploiting this movement. Here are nine solid ways to make a pretty penny from food-related entrepreneurship. Create a Food Product Let’s start out with the obvious. Launching your own product is the most direct way to profit from your love of good food. Whether it’s specialty popcorn, maple candy, beef jerky,…
  • Starting a Cloth Diaper Business

    SideHustleHQ
    10 Mar 2014 | 6:57 am
    In the pursuit of entrepreneurial success, practically any idea can eventually blossom into a profitable venture. While outside-the-box thinking is always a plus, it’s hardly necessary to make serious money. Oftentimes, getting back to basics is the surest path to profits. A cloth diaper business  is one such enterprise with lots of potential. Nowadays, there’s a major push for quality in commerce. People don’t mind paying more for quality, especially when it comes to their children. Cloth diapers can prove to be a real hit if you go into it with a plan. Outline a Business…
  • 9 Great Ways to Make Extra Money in Retirement

    SideHustleHQ
    7 Mar 2014 | 2:30 pm
    If you’re like most people, you’ve probably spent most of your career anticipating retirement. Ironically, many retirees quickly find themselves looking to get back into the workforce either out of boredom or to make extra money. Starting a side business is a fulfilling way to spend your retirement. Here are a few ideas to get you started. Craft Homemade Goods If you’re not already adept at a handicraft like basket weaving or woodworking, retirement is the best time to pick up such a skill. You can make a pretty penny assembling custom furniture such as desks and cabinets.
 
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    Covenant Trust Company

  • CTC tips: preparing for Spring and Summer

    CTC - Ruser Saldaña
    14 Apr 2014 | 1:28 pm
    Winter officially ended several weeks ago, but it doesn’t quite feel like Spring yet  – at least, not here in Chicago. But just because the weather hasn’t warmed up yet doesn’t mean you shouldn’t prepare your finances for the warmer weather.  Your expenses and financial goals may change as the weather changes. In the Spring […]
  • Identifying wants and needs

    Covenant Trust Company
    4 Apr 2014 | 5:52 am
    Earlier in the week, we discussed the importance of deciding which of your expenses are needs and which are wants. Today’s infographic from Paula Pant and About.com can help you make those decisions. Remember: there’s nothing wrong with spending money on things you want. However, to reach your financial goals and maintain your financial health, there may […]
  • CTC tips: needs vs. wants

    CTC - Ruser Saldaña
    2 Apr 2014 | 9:54 am
    It’s important for your financial health to identify which of your expenses are needs and which are wants. It can be easy to think of everything we want as things we need: we need an internet connection; we need a car. In certain cases, this may be true. Usually though, we probably only need these things to maintain our […]
  • Kiplinger’s personal finance quiz

    CTC - Ruser Saldaña
    28 Mar 2014 | 8:16 am
    It might be hard to think about quizzes during Spring Break but I encourage you to to take Kiplinger’s personal finance quiz. It has great questions on retirement planning, taxes, credit, saving, and investing. Online quizzes like these may seem trivial and that’s mostly true. Acing them doesn’t necessarily mean you’re a personal finance guru any more than […]
  • Questions for new investors

    CTC - Ruser Saldaña
    25 Mar 2014 | 12:31 pm
    If the world of investing is completely new to you, you might not know where to start. There are thousands of websites and books out there that are designed for beginners – but even sources like those can be intimidating or hard to grasp. So instead of learning about the world of investing from other […]
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    Debt Consolidation USA

  • On Having Money Problems In Marriage And Still Make It Work

    Lizzy Bale
    23 Apr 2014 | 6:47 am
    Money problems in marriage is common. All married and unmarried couples discuss and argue about money. All relationships will encounter financial troubles together. All partnerships will have one person that will make money mistakes that can frustrate and drive the other crazy. But not all of them end up in flames. In fact, some of […] The post On Having Money Problems In Marriage And Still Make It Work appeared first on Debt Consolidation USA.
  • 6 Lessons Teens Need For Grown Up Financial Responsibility

    Lizzy Bale
    21 Apr 2014 | 6:53 am
    There are money habits that will make you a financial failure but it can be corrected if you only learn financial responsibility. Learning to be responsible with your money is tough and it becomes more difficult if you do not start early. The more you get used to being reckless with your finances, the more […] The post 6 Lessons Teens Need For Grown Up Financial Responsibility appeared first on Debt Consolidation USA.
  • 3 Conditions Before Borrowing From Your Retirement Fund

    Lizzy Bale
    18 Apr 2014 | 2:21 am
    There are many mistakes to avoid in retirement planning. One of the most prominent is taking money out of your retirement fund. It is high on the “No-No” list together with not saving early for your retirement. There is just too much at stake if you decide to take money from your retirement plan – […] The post 3 Conditions Before Borrowing From Your Retirement Fund appeared first on Debt Consolidation USA.
  • Despite Student Debt, 70% Of Americans Still Believe In College Education

    Lizzy Bale
    16 Apr 2014 | 4:09 am
    If you think about the student loan crisis, you will realize that we have a long road ahead of us. We have yet to put a huge dent on solving it. In fact, if you look at the statistics, you will realize that it does not seem like we are doing anything to solve it. […] The post Despite Student Debt, 70% Of Americans Still Believe In College Education appeared first on Debt Consolidation USA.
  • 5 Money Concepts You Can Teach Young Kids To Keep Them Debt Free

    Lizzy Bale
    14 Apr 2014 | 6:07 am
    Considering the way we react to our finances, it should be safe to say that we find money concepts quite confusing. Either that or we just do not have the discipline to put what we know into practice. But while financial education is not enough to keep consumers from money problems, you need to understand […] The post 5 Money Concepts You Can Teach Young Kids To Keep Them Debt Free appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Seniors and Bankruptcy: Making the Leap

    Kate Swenson
    21 Apr 2014 | 9:23 am
    I’ve been a bankruptcy counselor with LSS for many years now and it’s been a perfect fit with my legal background. My counseling experience has shown that people of all ages file bankruptcy, from their early twenties right into their eighties. Just as folks of different ages find the need for bankruptcy protection, just as varied are the reasons they file. In all these years, there has been only a small handful of clients’ that I felt carelessly accumulated debt knowing they could wipe it out in bankruptcy if they wanted. But the cases I find most troubling are when elderly clients face…
  • How to Pay Collection Debt

    Kate Swenson
    17 Apr 2014 | 11:54 am
    Like so many during the Great Recession, you lost your job and had to prioritize expenses.  Maybe you had to break a cable contract so you could manage the house payment, or you had to defer paying medical bills until things improved.  It wasn’t easy not paying all your bills because you always had, but it was the right thing to do. You are working again.   Maybe earning less than at the job you lost, still things are looking up.  You received a nice tax refund that you prudently hung on to until you had a complete plan for it.   Part of your plan is to pay off some of those bills…
  • How To Get Fit On A Budget

    Kate Swenson
    14 Apr 2014 | 7:29 am
    It’s that time of year again: we’re on the verge of summer. Thank goodness! Many of us hibernated more than normal this year because this winter was, well…let’s just say less than desirable. If you’re like me, it also took away my usual motivation to exercise because I wanted to just curl up on my couch with a blanket and watch Netflix. However, my health is important to me. So here’s what I did to get out that rut, along with other ideas to exercise and get (or stay) fit on a budget. Choose a goal There are many different types of goals out there. My friend asked me if I wanted…
  • Savings 101: Emergency savings vs. periodic savings

    Kate Swenson
    7 Apr 2014 | 11:26 am
    Everyone knows that having money set aside in savings is important, but either we can’t afford to put away money right now or we choose not to because living in the present is much more enjoyable. When you’re cold and miserable stuck in Minnesota during the coldest winter in years, you would likely rather go on a Caribbean vacation than build up savings. In this case, however, instant gratification is probably not worth it if you’re depleting all of your savings or worse - accruing debt. If you go on that trip and come back to a car that needs a repair, you might not have cash…
  • How to manage credit through different stages in life

    Kate Swenson
    4 Apr 2014 | 6:48 am
    People have different views of credit depending on what’s going on in their lives. How good (or bad) our credit is can affect everything from car insurance rates to getting a job to buying a home. Read ‘Why is credit important?’ for more details about how credit impacts our daily lives. Establishing and/or improving credit When you’re just starting out and have no credit or if you’re trying to rebuild your credit after a bankruptcy (for example), a great way to create good credit history is to open up a secured credit card. Do this through your local bank or credit union and make…
 
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    Minting Nickels

  • Tired of Funding Wars and Global Violence?

    Kyle Taylor
    18 Apr 2014 | 7:13 am
      You might not know it, but if you’re paying your taxes – as hard-working people arguably should – then you’re funding wars and violence around the world. In the UK, Trident, the nuclear submarine programme agreed by MP Thatcher and President Carter which is tax-payer funded, would save the tax payer 83bn if it was scrapped, according to one think tank.  Similarly, in the US, the government is about to spend $1.5 trillion on a fighter jet, while billions will be cut from the food-stamp programme. Tragedies such as this are happening all across the world, and the…
  • The Benefits of Trading With Binary Options

    Kyle Taylor
    16 Apr 2014 | 6:21 am
    In the recent times, the binary option has evolved as one of the finest trading approaches which yield higher returns. This is the reason that it has gained a lot of popularity and more people are going for it. Binary trading is though sophisticated but if your predictions are right, there are higher chances of making profits. So if you wish to get better returns then binary option is definitely the most suitable trading. Let us explore how binary trading is beneficial for the people and what are the advantages associated with it. Less risky As compared to the other trading options, binary…
  • How Not To Break the Bank During a Trip to Las Vegas

    Kyle Taylor
    7 Apr 2014 | 10:50 am
    So, you’ve decided to plan a trip to Las Vegas, one of the most popular destinations within the Continental United States. Whether it’s for a weekend-getaway, a bachelor/bachelorette party, a wedding, or an educational conference, it’s no secret that trips to this destination can either be reasonably-priced or cost you a fortune.  However, by planning ahead with some of the tips discussed below, you can make sure that this fun time will also fit within your personal financial limits as well. Be Wise About Spending Money on Drinks and Gambling According to About.com, if you are on the…
  • Do You Know How Australian Money is Made? (Infographic)

    Kyle Taylor
    2 Apr 2014 | 3:53 pm
    So we all know that Australian dollars are some of the most striking currency visually. But, do you know how they make them? In addition to all of those colors, there are a ton of different security features that are included to make the currency unique. We thought’d we share this cool info graphic on how Australian money is made… Courtesy of: LendMe Finance Related posts: How to Get Back on Track… (Infographic) 6 Ways to Make & Save Money with Your Car How to Make Money through Your Hobbies
  • 6 Ways to Make & Save Money with Your Car

    Melissa Batai
    2 Apr 2014 | 6:10 am
    The average Australian family owns 1 car, though from the number of 3 and 4 car garages many new homes have, it’s clear that plenty of Australian families have multiple vehicles. Cars offer great independence, but they can also cost us quite a bit.  From the seemingly never ending rise in gas prices, to monthly lease or loan payments, to auto insurance, to regular maintenance and routine repairs, our cars cost us. However, there are plenty of ways that you can make money from your vehicle.  Consider these five ways: 1. Sign Up for the Office Car Pool Car pools help people save money…
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    Debt RoundUp

  • Signs Your Debt is Out of Control

    Mike Collins
    23 Apr 2014 | 2:45 am
    Most people have some debt in the form of a mortgage, credit cards, or student loans.  But while debt can be useful when used wisely, too many people use it for all the wrong reasons and quickly let their debt get the better of them. Below are some signs that your debt has gotten out of control.  If any of them sound familiar it’s time for you to take charge and straighten your finances out. You’re Only Paying the Minimum Amount Each Month When you receive your monthly credit card statement do you pay it off in full or do you just pay the minimum balance due? Carrying a balance on…
  • The World Through the Eyes of a Defensive Pessimist

    Grayson Bell
    21 Apr 2014 | 2:45 am
    I have a big confession everyone.  I am a pessimist!  Yes, that is right, I do not see all of the rainbows and unicorns throughout the world like those that exude optimism.  In my mind, everything can have a bad outcome.  When someone tells me something, my mind automatically starts calculating the risk involved.  I have never been a big risk taker.  Some people might think that I do take risks, but I typically plan out every scenario that I can think of.  I make calculated moves.  I know that I get this trait from my father.  He is the exact same way.  The funny thing is that this…
  • A Reader Needs Your Help! – Stuck Between a Rock and a Hard Place

    Grayson Bell
    18 Apr 2014 | 3:45 am
    I was looking through the back end of my server yesterday and I found an email that didn’t go through to my main email address.  I can’t find out why it happened, but it seems to be a legitimate email.  I have another reader that needs your help.  You guys came up big for my last reader that needed help, so I am asking again.  I am not going to give out this person’s name, but I will say he is desperate. I am going to show you the email, which doesn’t have a lot of detail, but gives enough to come up with some assertions.  This man’s problem is all about…
  • My Biggest Money A-Ha! Moment

    Grayson Bell
    16 Apr 2014 | 12:00 am
    Today, Debt Roundup and many other great personal finance blogs are sharing their biggest money a-ha moments.  We are part of a financial literacy carnival put on by the wonderful and talented Shannon, from The Heavy Purse. If you didn’t know, April is financial literacy month and I believe it is an important month to celebrate.  This is the month when you can turn around your bad financial ways and start working toward debt freedom and wealth creation.  Today, I am sharing my biggest money a-ha moment with you. My Money A-Ha! If you are a reader of this blog, then you know that I…
  • Want to Start Investing? Here is How!

    Grayson Bell
    15 Apr 2014 | 5:30 am
    Investing can be a scary topic for many.  When I first got out of debt, I had no idea what I wanted to do with my money.  Where would I put it?  How would I grow it?  I was a little ahead of the game because I setup a 401(k) when I first started working.  The issue was that I was not contributing much to it.  That was by design, but that was my first step into investing.  I changed my percentage withheld from each paycheck and started looking at what else I could do.  Investing is only as complicated as we make it out to be.  Yes, there is a slight learning curve, but it is not that…
 
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    Phroogal Blog

  • 10 Frequently Asked Questions on Financial Retirement Planning

    The Phroogal Jason
    22 Apr 2014 | 4:30 am
    At Phroogal, we get excited when we network with others who share in our vision in making financial information more readily available for the masses. Today, we had the opportunity to ask David Lee, Certified Financial Planner™ and founder of Simple Money Concept – Organic Investing, the top 10 questions asked by people seeking financial retirement information. Here are the Top 10 Questions Asked About Financial Retirement Planning Q: Can I retire with what I have? A: This is always a tough one as it’s not solely determined by how much money you have. I remember doing a financial…
  • 3 Unique Ways for Young Adults to Make Money via the Internet

    The Phroogal Max
    21 Apr 2014 | 12:27 pm
    It’s hard for a college grad or an adult to find a job these days, so I can only imagine what it’s like for a young adult (high school or young college student) trying to find one.  Certain jobs require some sort of experience in the industry or are looking for a type of person, so it makes it even harder for someone so young to find work. Combine that with the fact that school and other activities also take up a lot of time, and you will realize why so many young adults aren’t working. With all that being said, if a young adult wants to make money, today’s technology gives them the…
  • The Lesson I Learned the First Time I was Hired and Fired.

    Steven Bartomioli
    18 Apr 2014 | 1:59 pm
    (Editor’s Note: While everyone’s job experience is different we all have one thing in common. We all have “first job” experiences. Campus Ambassador Steven shares his first job experience and the lesson he learned.) I had a job since I was 12 and now when I am about to turn 22, I can reflect on nearly a decade of working. In looking back at the different trends I noticed several important commonalities, several valuable lessons, but most of all how my development through these jobs helped me to be the successful person I am today. While a job is important, they will…
  • Control Credit: A Review of Credit Sesame

    The Phroogal Jason
    17 Apr 2014 | 10:09 am
    These days, your credit score is the most important 3 digit number you’ll come across in your lifetime. With a good credit score, you’ll be able to qualify for a mortgage, great credit card, and better auto loans. In some cases, a good credit score can even help you land the job of your dreams. However, with poor credit scores, all of that may seem to be out of reach. That being said, every single consumer has a need to know what their credit score is, and what they can do to make it better. That’s what Credit Sesame is all about. What Is Credit Sesame? Credit Sesame is an online app…
  • 12 Questions on Credit Reports and Credit Scores You Wanted Answered

    The Phroogal Jason
    16 Apr 2014 | 1:45 pm
    Some of our most read blogs pertain to demystifying credit reports and credit scores. In fact, when went live with Phroogal.com we found many questions being asked and added into the database pertained to credit. We’ve compiled the Top 12 Questions You Wanted Answered About Credit Reports and Credit Scores. 1. What is a credit report? A credit report contains information about your credit history and the status of your credit accounts. This information includes how often you make your payments on time, how much credit you have, how much credit you have available, how much credit you are…
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    Financial Advice

  • 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…
  • Cash Crunch: 5 Ways You Could get Quick Cash Within a Day

    Hannah Whittenly
    15 Apr 2014 | 2:22 pm
    It happens to the best of us. Payday is a few days away, but you need cash now. Maybe your car broke down or your kids need money or a field trip at school. No matter the reason, here a few ways to get extra cash to help you make it to payday. Use Your CarOffer to give someone a ride. Websites like Uber and Lyft allow you to connect with visitors to your city that need a ride. You simply input the times you are available and customers will come to you.Pros: You can make extra money and meet interesting people. Cons: You never know who you are going to meet, so this could be a bit risky.
  • Loan Checklist: Comparing Five Quick Loan Options

    Hannah Whittenly
    3 Apr 2014 | 2:17 pm
    Sometimes, emergencies occur that require a quick source of money. There are several different loans that are available that will be able to provide access to this money.1. Small-Dollar LoansBecause of the increasing need for smaller, short-term loans, the FDIC created the Small-Dollar Loan Pilot Program in 2008 that makes money available for loans less than $1,000 at roughly the same ease of access as payday loans, but without the high APRs and fees. The APRs for these loans tend to be between 5% and 36% and are slightly more difficult to obtain, but are usually relatively safe.2. Payday…
  • Quick Rundown of the Legal Side of Bankruptcy

    Hannah Whittenly
    28 Mar 2014 | 8:28 am
    All bankruptcy cases are taken care of through any of the three bankruptcy courts that are based in Pennsylvania. Although the United States codes for bankruptcy are uniform in every state, there are various regulations that are based on data from each state. For example, every bankruptcy court has its own specific rules concerning managing cases and filing petitions. Here is a quick rundown to help you understand the legal processes in bankruptcy.Chapter 7 Bankruptcy Laws Anyone is eligible to take advantage of a Chapter 7 bankruptcy. However, it is not always the best option. It is normally…
  • Navigate Your Way Out Of Debt with These 4 Methods

    Hannah Whittenly
    13 Mar 2014 | 3:20 pm
    Many people struggle with debt, so you are not alone. Getting out of debt is possible, but it takes time, money and effort. If you are tired of living under a mountain of debt, consider these four methods for finally breaking free.Consolidate DebtsFind out if you are able to consolidate all your debts into one lump sum. This takes all your smaller bills with high interest rates and combines them into one bill with a lower interest rate. If you are unable to lower your interest rate with this method, it may not be the right option. If you do choose to consolidate your debts, don't assume the…
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    Investing in Your 401k Kid | Investing in Your 401k Kid

  • Why We’re Doing This: Part One

    Tracie
    19 Apr 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids We’ve been at this now — writing, blogging, public speaking – for nearly two years now.  I’ll be honest: it hasn’t been easy – but it’s been a great adventure.  Why am I having so much fun?  To understand that, you have to know more about why we’re doing this. Jimmy goes to the movies.  To get into the movie, he will need a ticket, which costs $5.50.  He’d also like to buy a soda for $3.00, popcorn for $4.75 and candy for $2.50.  How much money will…
  • Twelve Age-Appropriate Ways to Teach Kids About Money

    Bret
    9 Apr 2014 | 10:35 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids By: Pawel Loj Many parents find that talking to children about money is awkward, but it’s just as important to talk to your kids about money as it is to talk to them about the facts of life, choosing good friends, or the dangers of drugs. If you look back at your younger years and cringe at how you handled money, recognize the opportunity you have to help your children do better. Here are 12 age-appropriate ways to teach children how to save money: Ba a good example for your children Give young kids a piggy…
  • Take the ACT or SAT Exam Early for Financial Gain

    Bret
    2 Apr 2014 | 3:33 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids By: Alberto G. Hey!  It’s ACT and SAT season again!  Most high school seniors have already taken their exams, because they wanted to get scores back earlier to make their entrance decisions.  But what about younger students?  Did you know that there’s no minimum age requirements to take the exams?  And did you know that there are a ton of benefits for taking them early, and often? Our sons started taking these exams as early as sixth grade.  They didn’t score particularly well at first…
  • Dogs Can Teach Kids About Money, Too

    Bret
    26 Mar 2014 | 4:34 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids If you have a family pet, and kids older than seven or eight years old, it’s likely that you’re giving some of the responsibility for taking care of the pet to your child. This is a great idea – it not only helps teach a child some responsibility and compassion, but it also makes your life just a bit easier. For older teens, you might think of upping your game, for an even bigger payoff: have your child take responsibility for managing the pet’s finances, as well. Wait? What’s that? Your pet…
  • Chore Magnets – A Creative Chore Chart

    Bret
    19 Mar 2014 | 7:10 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids We’re big fans of having kids do chores just as a way to “pull their own weight” around the house – but we’re also fans of having extra chores available to earn some spending money, or some other privileges.  Chore Magnets are a great way to get your kids motivated into taking on some bonus jobs around the house. Here’s how it works: Make a list of jobs you’d like done around the house.  Some of these don’t even need to be “jobs” – you could…
 
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    iMoney.ph

  • Own A Home in Five Years

    imoney
    21 Apr 2014 | 2:22 am
    The National Wages and Productivity Commission reports that 623,631 families or 26.96% out of 2.46 million households in the Philippines plan to acquire a home.  Sixty one percent of them are willing to pay a down payment worth P70, 000 or less. Most financing companies require at least 20% down payment before they hand you the keys to your dream home. But, with a daily wage rate ranging from P429 to P466, how can a low-income earner save money to pay for the down payment over a five year period? For sure there are some ways to cut back in order to one buy your house one day. Here are…
  • Why is it Important to Do Internet Speed Tests

    imoney
    21 Apr 2014 | 12:38 am
    Can you imagine how our life is without the internet? The internet revolutionized not only how we look for information, but how we also access entertainment, and even perform banking. If you are someone who lived to see the internet-less decades, you will agree that nothing beats the convenience of the World Wide Web. Nowadays, it is not enough that you have access to the internet. Internet speed is also a crucial consideration. Internet speed will dictate the types of activities that you do in the World Wide Web. Are you going to use the internet to download movies? Or maybe, you are using…
  • Get the Best Internet Service Provider Now

    imoney
    21 Apr 2014 | 12:38 am
    In the early days, access to the internet was very limited. If you are not affiliated in any way with the government or to a university, most likely, you won’t have an internet access. These things changed after the internet service providers came. In the late 1990s, there were a great number of ISP companies that tried to establish their market in different parts of the world. In the late 1990s, the number of ISP companies reached 10,000 all over the world. Today, the numbers have become bigger. The internet revolutionized the way we conduct our lives. In fact, thanks to the World Wide…
  • 5 Extreme Money Saving Tips [VIDEO]

    imoney
    16 Apr 2014 | 3:20 am
    Saving money is tough task for most of us, it requires a lot of delaying gratification and intense self – control, but how far are you willing to go to save money? This video was aired on TLC in the US, though these are extreme ways of saving money, you are free to do it for yourself. Don’t Use Toilet Paper According to the makers of Charmin (a toilet paper brand in the United States) on an average person uses 20,805 sheets of toilet paper per year. Multiplying that by four would get you to 83,220 sheets of toilet paper that can be used by a family. A normal roll of toilet paper…
  • Summer Jobs For Students That Pays

    imoney
    15 Apr 2014 | 4:36 am
    Summer time is not only the time to visit the beach and relax, but also that time of the year when you can actually be productive and be part of the workforce. For some, they maximize this time to gain employment or work as a freelancer. Whether you are looking to boost your bank account for the incoming 2014-2015 school opening, or you are planning to find work experience early in the game, a summer job opportunity is always a good option. What do you need to have? Before getting excited with our list of job opportunities for the summer, it is important to look at the possible requirements…
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    Life House Financial - Education Center

  • Saving Money through Diligence

    Life House Financial
    23 Apr 2014 | 7:08 am
    If you’re interested in saving money, you need to know it’s not always easy.  To save money, you need to be diligent about your income and expenses. First and foremost, you must have a budget. It is nearly impossible to save without a clear budget that includes all income and expenditures. Without a budget, it […]
  • How to Spend Less on a Vacation

    Life House Financial
    7 Nov 2013 | 4:06 pm
     Who doesn’t love a vacation? No matter what type of person you are, a person that wants to travel overseas or someone who likes to take a weekend adventure, everyone likes an escape from time to time. However, even the smallest vacation can be expensive. Listed below are a few things you should do that […]
  • Getting to the Roots of Overspending

    Life House Financial
    4 Nov 2013 | 4:01 pm
    Are you among the millions of Americans nationwide that seem to have little to no money to save at the end of the month, despite earning a decent wage? If you have answered yes to this question, you may have an overspending problem. One of the biggest reason people cannot save is not their income, […]
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    Personal Finance Utopia

  • The Secret to Getting Out of Debt

    Mr. Utopia
    17 Apr 2014 | 11:34 pm
    Let’s face it, we are a society that is buried in debt. The average US household has $15,191 in credit card debt and also owes $33,607 on outstanding student loans. Add in auto loans and other types of financing and it is easy to see the typical American family is burdened by over $70,000 of debt! And, of course, that figure is ignoring any mortgage debt.We have become a debtor nation. That is probably not going to change anytime soon. Our culture, society, and even economy are driven by consumption. When consumption is a priority, people will continue to incur debt by spending more…
  • Perfectionists Listen Up! This Accounting Concept Can Help

    Mr. Utopia
    9 Apr 2014 | 10:04 pm
    Hi. My name is JC and I am a perfectionist. I strive to be as thorough and accurate as possible in nearly every given situation. Sometimes the outcome is a rewarding job well done. More often than not, I get bogged down in all of the details – striving to ensure complete accuracy in exchange for inefficient use of time and, unfortunately, frustration.Don’t confuse perfectionism with being an overachiever. The two often go hand-in-hand, but can be mutually exclusive. And when your perfectionism is not helping you overachieve, then watch out, it can be a recipe for disaster. I often…
  • Graduates – Welcome to the Real World!

    Mr. Utopia
    6 Apr 2014 | 11:34 pm
    Today I am happy to share a guest post from Syed at The Broke Professional. In this article, Syed examines the many financial challenges faced by recent graduates. Please be sure to share your thoughts and feedback in the comments section.Times they definitely are a changing. I’m pretty sure it was someone who grew up in the Southern US who said that, but it applies to the whole world at the moment. And it couldn’t be more true for those that are graduating with a professional degree. Be it a new graduate in medicine, business, law, engineering, dentistry or optometry (my…
  • Career Advancement: Stay Put or Jump Ship?

    Mr. Utopia
    2 Apr 2014 | 10:17 pm
    Career advancement is on the forefront of nearly everyone’s mind. From entry level to middle-management, employees seek ways to enhance their upward mobility. Even executive management jockeys for position in the hopes of advancing higher up.The way a junior employee seeks a promotion will be different from a senior manager. For instance, someone just embarking on their career will likely concentrate on gaining experience or honing excellent customer service skills. Conversely, a seasoned manager will be more focused on high level performance to gain an inside edge.While there may be…
  • A Money Mindset: Do You Have One?

    Mr. Utopia
    30 Mar 2014 | 10:43 pm
    Think about your typical day. You’ll likely make hundreds of decisions as the day unfolds. A few of these choices will be big and the others small. Unless the choice to be made has heavy impacts, there’s a good chance you could go through your entire day without so much as giving things a second thought.Your brain is programmed to automatically assess situations and make decisions as efficiently as possible. We don’t wrestle for hours on what shirt to wear to work (well, I’m sure some women probably do ) or how much toothpaste to put on our toothbrush. As humans, we…
 
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    Enwealthen

  • Simple Tax Mistakes You Want To Avoid

    Jack
    17 Apr 2014 | 9:03 pm
    Another tax year come and gone. How did you do last year?  Did you make a tax plan and stick to it, or did you make some mistakes like me, and end up paying more taxes than you should have? … Continue reading →Copyright © 2013 Enwealthen.  Follow us on Twitter.
  • 2014 Financial Goals: Are Yours Smart?

    Jack
    15 Jan 2014 | 5:49 am
    Another dreary New Years’ Resolution post?  Really? No. Boring is reading someone else’s resolutions to save more or spend less on knick knacks, knowing they’re going to end up like the resolutions of millions – abandoned by February, relegated to … Continue reading →Copyright © 2013 Enwealthen.  Follow us on Twitter.
  • Want to Save $100,000 on Your Mortgage? Improve your Credit Score

    Jack
    18 Nov 2013 | 6:26 am
    What!?! $100,000? There must be a catch, right? Well, you’re right.  There’s always a catch when you’re talking big numbers.  But that number was what caught my eye in this recent infographic from Quizzle. When you’re talking a 30 year, … Continue reading →Copyright © 2013 Enwealthen.  Follow us on Twitter.
  • Great Enwealthen Anniversary Giveaway 2013

    Jack
    5 Nov 2013 | 10:27 pm
    Has it been a year already? Wow! It seems like just yesterday that I decided to share the first steps of my journey to financial independence by starting Enwealthen.  Granted we got off to a slow start, recording my thoughts … Continue reading →Copyright © 2013 Enwealthen.  Follow us on Twitter.
  • Upcoming California Real Estate Tax Deed Auctions November 2013

    Jack
    10 Oct 2013 | 11:20 am
    Attention West coast real estate auction lovers! Interested in tax deed auctions and tax lien investing?  Pay attention, because we have some more real estate auctions coming up in November! Here in California, real estate auctions are tax deed auctions, … Continue reading →Copyright © 2013 Enwealthen.  Follow us on Twitter.
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    Find Your Balance

  • Debt-to-Income Ratios Can Derail Your Home Purchase

    llok11
    22 Apr 2014 | 7:45 am
    You’ve got your down payment. Your credit score is fantastic. You’ve even figured out your monthly budget for housing expenses. So now you’re ready to charge ahead into the home buying process, right? Maybe not. If you’ve overlooked your debt-to-income ratios, you might not be as mortgage-ready as you thought. What are they? As the name suggests, debt-to-income ratios (DTIs), are ways of measuring a person’s monthly debt payments as they relate to incoming cash. There are two main types of debt-to-income ratios used by mortgage lenders. These are known as the…
  • Quinceanera Saving Tips

    llok11
    17 Apr 2014 | 8:45 am
    Your daughter’s 15th birthday is only going to happen once and you want to make it special. But you also want to contribute to her college fund and maybe help her out with buying a car at some point. While a Quinceanera can easily run into tens of thousands of dollars, there are ways to keep the costs under control and have money left over for other financial goals. Have a budget When your daughter wants that special something for her celebration, it can be hard to say no. However, if you develop a budget for the Quince before you start shopping, you give yourself a better chance of…
  • When to Pull the Plug on your Small Business

    llok11
    15 Apr 2014 | 8:45 am
    If you’ve ever operated your own business, you know how personal its success can become. Pondering the end of the endeavor can feel like preparing to end a cherished relationship. But as many successful executives will tell you, knowing how to fail prepares you to succeed. Thus, knowing the warning signs for calling it quits can help you move onto better things. Preset limits Ideally, you would have started your enterprise with a way of measuring when it was time to pack it in. If you didn’t do that as a part of your original business plan, you need to do it now. Otherwise, in…
  • Heartbleed

    llok11
    14 Apr 2014 | 12:34 pm
    Earlier this week, it was revealed that a flaw in a common piece of computer software used to protect sensitive information was actually making that data vulnerable to identity theft. Known as the “Heartbleed” vulnerability, this loophole in the OpenSSL system of data encryption has threatened to offer criminals a path to private information on: Mobile devices Computers Email systems Social media sites Financial websites E-commerce sites Other electronic records of sensitive data Upon learning of this potential issue, BALANCE immediately initiated an assessment of all our SSL sites and…
  • Why you Should Have a Business Checking Account

    llok11
    10 Apr 2014 | 8:45 am
    If you own a business and have been using your personal checking account for company expenses, there are several ways a business checking account could help you. It may be required If your business is an LLC or a corporation, you are legally bound to keep its expenses separate since your company must be kept apart from any individual dealings. Accounting If your personal and business expenses are muddled, you’ll need to pay an accountant more to sort through everything – or waste more of your time doing it on your own. Tax preparation Separating your business expenditures from…
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    snarkfinance.com

  • Extreme Cheapskates:Bathroom Edition

    Mitchell Pauly
    31 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!I am a cheapskate of a guy when compared to your average American sheeple.  I save money by eating out sparingly, cutting down on driving, ensuring that my spending is in line with my needs and not necessarily my wants, and by not having any affairs on my wife.  Since I have managed to save […]snarkfinance.com - Welcome to Snarkfinace!
  • A Great Investment: Your Body

    Mitchell Pauly
    24 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!Investing in you body is a great investment.  Face it, pop-culturally speaking, the fat guy rarely gets the girl.  Seth Rogen aside, we’re all able to admit that this is true.  What we are all not willing to admit is that this is often true in real life as well.  While I’m sure we have […]snarkfinance.com - Welcome to Snarkfinace!
  • Dealing with Bad Bosses: Where is the Line?

    Mitchell Pauly
    20 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!  Bad bosses are pandemic in America, like binge drinking and twerking.  The U.S has roughly 100 million full-time working professionals and 70% of them report being unengaged at work or actively disengaged.  Since 2000 that figure has remained relatively flat[1].  No wonder Facebook has grown immensely in popularity. Bad bosses may be to blame: […]snarkfinance.com - Welcome to Snarkfinace!
  • Cutting Cable By Streaming Your Entertainment

    Mitchell Pauly
    17 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!Comcast, RCN, Time Warner and Verizon all are out to rip your off.  They think you aren’t savvy enough to cutting cable.  Presently, they are likely correct.  Roughly one-third of Americans have digital cable, according to the National Cable and Television Association[1], and the number grows to about 58% when non digital cable customers are […]snarkfinance.com - Welcome to Snarkfinace!
  • Review of Lending Club: a Fringe Investment

    Mitchell Pauly
    10 Mar 2014 | 3:00 am
    snarkfinance.com - Welcome to Snarkfinace!Sometimes we need money we don’t have and for this there is debt.  For many in the personal finance realm, debt is akin to a creepy admirer who follows you around reminding you of your poor alcohol induced decision making.  The fact is debt is often unavoidable if you want to own a house, buy […]snarkfinance.com - Welcome to Snarkfinace!
 
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    Options Rising Star-

  • Events 1

    Pok Chow
    4 Apr 2014 | 8:05 am
    Hello readers! I’ll be heading to both these events listed in the links below. Should you be going too, don’t forget to say hi to me https://www.eventbrite.sg/e/lift-your-career-to-new-heights-with-our-train-to-trade-programme-tickets-8314168903 https://www.dbs.com.sg/Contact/dbs/ea/lifesim/default.page – I want to see how the set up is for a professional trader in SG! Interesting! Thanks Pok The post Events 1 appeared first on Options Rising Star-. No related posts.
  • What If

    Pok Chow
    29 Mar 2014 | 8:55 pm
    What If? http://pivotedmonds.com/ What if one day you find that all you’ve known till now about investing is wrong? What if all the beliefs and practice of analysis on the market is wrong? What if this is a conspiracy to keep individual investors like you in the dark? We have been programmed to accept low returns of 5-10%. Individual investors have also been programmed to believe that going into savings account in a bank with a >1% return makes you an investor, going into the 1% return in fixed deposits makes you a “smarter” investor; going into the few percent return…
  • Common Sense Trading

    Pok Chow
    22 Mar 2014 | 9:24 am
    Common Sense Trading   “If it were easy, everyone would do it”-Eric Thomas I’m starting off my post with a motivational quote from my go-to and favourite motivational speaker, Eric Thomas. In this post, I will be talking about how common sense fail in the trading of most people, the general public. Then I’ll proceed to introduce the common sense in trading and summing it up with E. T’s line in at the end. But first, I would like to seek understanding for my inactivity. University is staked, assignments followed by quizzes followed by mid-term. But hey,…
  • Unfair Advantage Download

    Pok Chow
    9 Feb 2014 | 4:44 am
    Dear all, I think there is some problems with the application form for the “Unfair Advantage” report that I wrote. I just did a test and there seems to be a problem. If you have requested for the report but have never gotten a reply from me, it’s not because I’m ignoring you, it’s that I didn’t receive your request. Shoot me an email directly with your name to neopokchow@gmail.com and I’ll reply you ASAP. Apologies Pok Chow The post Unfair Advantage Download appeared first on Options Rising Star-. Related posts: Update
  • Triple Oh Yeah

    Pok Chow
    4 Feb 2014 | 5:47 am
    Triple Oh Yeah   And they say it’s gonna go up and up and up! That’s toy story’s Buzz Lightyear, not the market. Market’s down. Ohh yeah! VIX over 20! Ohh yeah! And finally, STI went below 3000 (analyst says it wouldn’t happen). Oh yeah! There you have it. Bang bang bang! Nailed all 3 of them. Today, I told my dad to take a look at STI, rmb he’s a long term investor. No rush yet of course, I just informed him to take a look. That’s all. As for the US market, as premium sellers, when the VIX is up, you better be active with putting on positions!
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    Gajizmo.com

  • 150 Famous Quotes By Famous People

    Gary
    7 Apr 2014 | 3:23 pm
    Famous quotes are famous for a reason – they motivate, inspire, and teach us to live better, happier, and more successful lives. The best quotes provide us insight into life, death, love, work, success, failure, entrepreneurship, education, change, etc. and are universally accepted truths, regardless of your own experiences, hardships, and opinions. The following are some of the most famous quotes by famous people, including Einstein, Abraham Lincoln, JFK, Winston Churchill, Steve Jobs, John Lennon and the like. Famous Quotes “Your time is limited, so don’t waste it living…
  • What Is A Good Credit Score?

    Gary
    25 Mar 2014 | 2:22 pm
    A good or bad credit score can affect every facet of an individual’s or family’s financial life, from mortgage rates and auto loans to employer background checks and life insurance rates. Lenders, landlords and even employers consider a credit score a reflection of an individual’s reliability and honesty – correlating an individual’s management of their personal finances to their level of responsibility, integrity, and business or financial skills. Generally speaking, a good credit score is anything above 720; however, different credit bureaus use different formulas and…
  • Best Business Schools For An MBA – 2014

    Gary
    21 Mar 2014 | 3:02 pm
    The dynamics of MBA programs and business schools have changed the last few years, and not just in terms of higher median GMAT scores, GPAs, and lower acceptance rates due to higher application numbers, but also in regards to huge increases in full-time tuitions and total costs of attendance per year. Even application costs have become astronomical when you consider application fees, GMAT preparation classes, exam costs, and visits to post-graduate campuses, meaning applicants aren’t just competing with the best and brightest any more, but with candidates who are well-funded and/or…
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    Personal Finance AdvicePersonal Finance Advice

  • 3 Home Exterior Maintenance Jobs that can Save you Money Later

    Chris Bibey
    11 Apr 2014 | 5:44 am
    When it comes to the exterior of your home, there is nothing more important than keeping up to date with regular maintenance. The longer you avoid this the worse things are going to get. Not only can this wreak havoc on the overall appearance of your property, but it can go a long way in costing you plenty of money over the long haul. Is this a risk you are willing to take? Tip: when you perform regular maintenance, your home will never “get ahead of you.” Therefore, you will not find yourself faced with time consuming, expensive tasks down the line. Although each and every homeowner is…
  • Need an Online Coupon Code? 5 Tips for Finding One

    Chris Bibey
    28 Mar 2014 | 6:15 am
    If you enjoy shopping online, you are probably aware that a coupon code can save you quite a bit of money. While these are often times simple to find, there are situations in which you may run into a challenge. Some retailers distribute online coupon codes on a regular basis, while others hold back for one reason or the next. If the time has come to make a purchase but you don’t have a coupon code to use, these five tips can help you find one without delay: 1. Search the internet. It goes without saying that this is the best way to dig up a coupon code. From services, such as RetailMeNot,…
  • 5 Ways your Realtor should be Marketing your Home

    Chris Bibey
    14 Mar 2014 | 5:29 am
    When you put your home on the market, there is one thing going through your mind: selling it as quickly as possible for as much money as possible. While this may be your goal, whether or not you accomplish it is another thing entirely. Most people understand the benefits of hiring a realtor. This person will work on your behalf, doing whatever they can to sell your home quickly and for a big profit. With so many realtors in a given area, you are never going to be lost when it comes to finding a person who can help. When making a decision, you should put a lot of stock into which realtor has…
  • What are the Benefits of Buying Car Insurance Online?

    Chris Bibey
    27 Feb 2014 | 4:24 am
    Many years ago, buying a car insurance policy meant one of two things: Calling various companies on the phone, hoping to find an agent who was able to meet your needs Meet with agents in person Either way, you were sure to spend a lot of time on the process. Along with this, you never really knew if you were getting a good deal. In today’s day and age, there are benefits of using the internet when it comes time to buy a policy. When compared to strategies of the past, this is an entirely new way of doing things. Here are five benefits that should get you excited: 1. No more wasted time.
  • Life Insurance Myths that could Cost you Big Time

    Chris Bibey
    21 Feb 2014 | 7:29 am
    When buying life insurance, there are going to be many details moving through your mind. Among the most important is this one: you are going to pass on at some point in the future. Not exactly a fun thought, is it? Despite the fact that buying life insurance can be a bit of a downer, if you truly care about your finances it is a purchase you need to make at the right time. There are many life insurance myths that have cost people a lot of time and money in the past. If you are not careful, one or more of these could take you down the same path. Five Common Life Insurance Myths To ensure that…
 
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    Mad Fientist

  • JD Roth – Get Rich Slowly

    The Mad Fientist
    22 Apr 2014 | 11:28 am
    JD Roth, one of the most respected writers in the personal finance world, was kind enough to join me for an episode of the Mad Fientist Financial Independence Podcast! In less than ten years, JD went from having $35,000 of consumer debt to becoming a self-made millionaire. Since selling his incredibly popular blog, getrichslowly.org, he now spends most of his time writing about life and money at his personal site, jdroth.com. He has also just released an excellent new guide that teaches you how to become the Chief Financial Officer of your life – Be Your Own CFO: The Unconventional…
  • Forever Jobless – Internet Business Investing

    The Mad Fientist
    7 Apr 2014 | 7:50 am
    Billy Murphy from ForeverJobless.com is a successful entrepreneur and ex-professional poker player who joined me for an episode of the Mad Fientist Financial Independence Podcast to share some of his business knowledge and talk about his experiences investing in internet businesses. What if I told you you could create $2,000 of monthly recurring income from a single $25,000 investment? Thanks to the low multiples some online companies are selling for, you could potentially fund your early retirement with a very small initial investment. Billy takes us through how he went from being a…
  • How to Retire Early with 13 Kids

    The Mad Fientist
    20 Mar 2014 | 6:02 am
    A reader named Rob recently left a comment on the FI Laboratory post saying that according to the FI Tracker, he’ll be able to retire in 13 years. While achieving financial independence in 13 years is great on its own, what makes this number extremely impressive is that he’s doing it on a single income and he has 13 kids! I asked Rob if he’d be interested in writing a guest post to tell his story and thankfully, he said yes. Take it away, Rob! You have how many kids? 13. Seriously? I wouldn’t joke about something like that, cry maybe, but joke? Never. Don’t you know what…
  • FI Laboratory

    The Mad Fientist
    6 Mar 2014 | 11:52 am
    Today, I’m excited to release the first version of the FI Laboratory! The FI Laboratory is a web application I’ve been working on that contains useful tools to help you on your journey to financial independence and early retirement. If you’ve read the classic book, Your Money or Your Life, you’ll recall that the authors suggest tracking your progress to financial independence on a wall chart. While tracking your progress is a great idea, I can’t imagine anyone in this day and age would want to sit down with a ruler and a pencil every month so I decided to create…
  • Guinea Pig – Update #1

    The Mad Fientist
    19 Feb 2014 | 7:55 am
    If you didn’t understand why I’m a big fan of tax-advantaged accounts before, this post will convince you. Welcome to the first update in our Guinea Pig experiment, the experiment where we start from scratch and watch the entire journey of someone going from $0 net worth to financial independence. Thank you to everyone who participated in the survey included in the first post of this series – Crowd-Sourced Financial Planning. Here are the results: Survey Results Income $40,000 – 12% $50,000 – 15% $60,000 – 19% $70,000 – 15% $80,000 – 12% $90,000…
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    Getting Ahead, A Personal Finance News & Exchange

  • Six Ways to Prepare Yourself to Buy Your First Vehicle

    23 Apr 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/Blog/Images/six-ways-to-prepare-yourself-to-buy-your-first-vehicle.jpg?sfvrsn=2" alt="Six Ways to Prepare Yourself to Buy Your First Vehicle" title="Six Ways to Prepare Yourself to Buy Your First Vehicle" style="vertical-align: middle; margin-bottom: 10px;" />Buying your first car is a significant step in your life. Having reliable transportation is necessary. Additionally, when you buy a car, you start building your credit that will help you in the future. However, it can be a…
  • Seven Steps for the Beginning Investor

    21 Apr 2014 | 5:37 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/shutterstock_85769425.jpg?sfvrsn=0" title="shutterstock_85769425" /></p> <p>Investing is one of the basics of personal finance. That's because it's not enough for you just to save your money, you need to put those dollars to work so inflation doesn't eat away your savings.</p> <h2>1. Know the Enemy</h2> <p>Inflation is an enemy that devalues the money you save. In 1990, <em>Driving Miss Daisy</em> won four Academy Awards, George H.W.
  • Heartbleed Bug Notice

    18 Apr 2014 | 6:00 am
    The Heartbleed Bug has been major news since its discovery April 7, 2014.  Heartbleed is a flaw in OpenSSL that affects the technology used to encrypt confidential information online.... This is only a content summary. Be sure to visit usequityadvantage.com for the full story.
  • Small Changes for Big Trade-In Value

    16 Apr 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/small-changes-for-big-trade-in-value.jpg?sfvrsn=2" alt="Small Changes for Big Trade-In Value" title="Small Changes for Big Trade-In Value" /></p> <p>Nothing beats the feeling of driving your brand new car off the lot &mdash; until that nagging voice in your head reminds you that the minute you left the dealership, the car&rsquo;s value dropped. An average of 11%, by the way. </p> <p>But here&rsquo;s how to keep that upbeat feeling going…
  • 10 Ways Online Banking Can Improve Your Life (and Save the Planet)

    14 Apr 2014 | 8:21 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/10-ways-online-banking-can-improve-your-life-(and-save-the-planet).jpg?sfvrsn=2" alt="10 Ways Online Banking Can Improve Your Life (and Save the Planet)" title="10 Ways Online Banking Can Improve Your Life (and Save the Planet)" /></p> <p>You might have known that online banking is convenient, but did you also know that it can help you improve your credit, cut the clutter in your home, carve out a comfortable retirement, <em>and</em> save the planet?
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    Rate Zip News

  • When is the Right Time to Buy Life Insurance?

    Erin El Issa
    23 Apr 2014 | 2:00 am
    No one wants to think about the death of themselves or their family members. Unfortunately, it is an inevitability. One way to prepare financially is by purchasing life insurance to cover your funeral costs and help replace your income in the event of unexpected death. The question is — when is the right time to buy life insurance? The answer will vary depending on your age, dependents or lack of dependents, and financial situation. Ideally, you will live a very long life and insurance won’t be necessary until much later. However, there are also benefits to getting insured when you…
  • Avoid the Pitfalls of a Balance Transfer

    Miranda Marquit
    21 Apr 2014 | 2:00 am
    A balance transfer is typically considered one of the best ways to consolidate debt so that you can better manage your finances and pay off your obligations at a lower rate. While a balance transfer used in the right way can be a great financial tool, there are also some pitfalls. Here are some of the things to watch out for when you decide to use a balance transfer: Short Introductory Period One of the issues you have to watch out for is a short introductory period. Once that period is over, the interest rate on your loan can shoot up much higher. That can mean trouble for your finances. If…
  • Debt vs. Investing: A Game of Rates

    Stephanie Halligan
    18 Apr 2014 | 2:00 am
    Should you pay down your debt or put that money to good use by investing it? It’s a tricky question, especially if you’re also saddled with thousands of dollars of debt. You’ve only got so many dollars to spend. On one hand, you may have a pile of debt that’s eating away your money and racking up interest. On the other hand, you’ve got the opportunity to put your money to work for you and earn something back by investing it in the market. Both are appealing. So what’s the best use of the money you have? The decision usually comes down to one specific number: your return on…
  • What is a living trust?

    Cathy
    16 Apr 2014 | 2:00 am
    A living trust is an estate planning document used to distribute property upon death while avoiding probate court. It is called a “living” trust because it is created while the property owner is alive, rather than upon his or her death. When you create a living trust, you transfer ownership of your assets into the trust, which is then administered for your benefit (usually with yourself as trustee). Upon your death, the trust’s assets are distributed according to your wishes. Most living trusts created as part of an estate plan to avoid probate are revocable, meaning the…
  • Interest Rate News: Debt is up, Rates are down

    Stephanie Halligan
    15 Apr 2014 | 2:00 am
    Feel a little more flexible with your credit card spending lately? Staring at that pile of student loan debt like it just won’t go away? Did you just take out a mortgage to buy the house of your dreams? You’re not alone. Debt is on the rise for everyone in the U.S. and interest rates are down. According to the latest from the Federal Reserve Bank of New York, household debt (which includes things like the mortgage, credit card debt and student loan debt) increased by the largest amount since the end of 2007 – leading up to the big economic tanking in 2008. Now we see debt on the…
 
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    Rockstar Finance

  • Reverse Engineer Your Retirement

    J. Money
    23 Apr 2014 | 3:24 am
    “Too often I hear the wrong questions about retirement. It’s like putting the cart before the horse. Asking how much you should save, or where to invest – before you have a goal – is not going to lead to the best possible outcome! …Retirement is fundamentally about that dream you have.  After working for decades, what kind of life do you want? We have to start there.  Really dig in to make sure we have the picture fully developed.” Check out the entire article here: JamesDelles.com ——- [Awesome calculator watch pic by Jon Rawlinson]
  • Financial Matters

    J. Money
    23 Apr 2014 | 3:14 am
    “Doesn’t Matter: Your theories on tax policy. Does Matter: Taking advantage of tax sheltered retirement accounts. Doesn’t Matter: The daily value of your portfolio. Does Matter: The value of your portfolio when you retire.” Check out the entire list of “matters” here: AWealthOfCommonSense.com —– [Photo cred: Eric]
  • You Are The 1 Percent

    J. Money
    23 Apr 2014 | 3:04 am
    “Remember the occupy movement?… The protestors thought of themselves as being part of the 99% of the rest of America, who suffered through the economic collapse. However noble their efforts were, their slogan was way off. In actuality if you make the average salary in America (around $40,000 a year) you are almost assuredly part of the top 1% of income earners in the entire world. If you want to see where you stack up globally you can check it out at globalrichlist.com… If you find yourself being dissatisfied with your current situation, remember you are among the most…
  • The One-In, One-Out Rule

    J. Money
    22 Apr 2014 | 3:22 am
    “A one-in, one-out rule like this one makes you carefully consider purchases. Is that new shirt really better than any of the shirts you already own? Is this DVD more essential to own than any of the ones already in your collection?… This tactic reduces clutter, reduces the growth of one’s stuff (saving on potential housing costs), and saves money on purchases. That’s a victory in three directions.” Read about this (awesome) rule in detail here: TheSimpleDollar.com —— [Photo cred: Calgary Reviews]
  • The History of Retirement

    J. Money
    22 Apr 2014 | 3:12 am
    “Retirement as we know it is a new phenomenon, but retirement is not altogether new. It is true that throughout most of history we pretty much worked until we died. Why? We worked until we died because people died young. Life expectancy at birth stayed below age 30 until the Medieval Islamic Caliphate period. Even then, life expectancy if one reached the age of 20 included another 40 years. We did not retire at age 65 and live a life of leisure for 30 years. We were already six feet under by then.” Check out the entire (fascinating) history here: DebtFreeGuys.com ——-…
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    Doctor Of Credit

  • KeyBank: $200 Checking Bonus With A $500 Direct Deposit [AK, CO, ID, IN, ME, MI, NY, OH, OR, UT, VT, or WA]

    William Charles
    23 Apr 2014 | 4:22 am
    The Offer Direct link to offer Receive a $200 bonus when you set up an eligible account with KeyBank & make at least one qualifying direct deposit of $500 or more within 60 days of account opening. Make sure you use offer code ONFT0314 The Fine Print Valid until May 2nd, 2014 Available to those in the following states: AK, CO, ID, IN, ME, MI, NY, OH, OR, UT, VT, or WA Bank account bonuses are treated as interest, as such you must pay taxes on them Eligible checking accounts are as follows: Key Express Checking Account Key Coverage Checking Account Key Advantage Checking Account Key…
  • [NY Only] Bethpage Credit Union – Receive A $100 Bonus When You Open A Checking Account

    William Charles
    22 Apr 2014 | 11:20 pm
    The Offer Direct link to offer Receive a $100 bonus when you open a Beth Page checking account and create a reoccurring direct deposit to the new account.  The first direct deposit must be received within 60 days of account opening. You’ll also receive a bonus $25 for every friend you refer to Beth Page that opens a bonus checking account (they’ll also receive the $100 bonus), up to a maximum of 10 people per year ($250). Click for more information. The Fine Print All bank bonuses are counted as interest and as such they will be reported to the IRS, you have to pay taxes on…
  • BB&T Checking Sign Up Bonus Of $125, Direct Deposit Not Required. Expires April 30th, 2014 [AL, DC, FL, GA, IN, KY, MD, NC, SC, TN, TX, VA, WV Only]

    William Charles
    22 Apr 2014 | 10:40 pm
    The Offer Direct link to offer Receive $125 when you open any checking account with BB&T and complete at least one of the following: Complete at least three BB&T OnLine® bill payments over $25 within 90 days of account opening OR Receive two direct deposits (minimum of $100 each) within 90 days of account opening The Fine Print Valid from 1st January, 2014 until April 30th, 2014 Only available to customers in the following states: AL, DC, FL, GA, IN, KY, MD, NC, SC, TN, TX, VA or WV One per household Bonus will be reviewed for eligibility 90-120 days after account opening Account…
  • Get Your Free Experian Credit Report & PLUS Credit Score From American Express

    William Charles
    22 Apr 2014 | 7:34 pm
    The Offer Direct link to offer Get a free copy of your Experian credit report and your PLUS credit score based on this credit report once per year from American Express The Fine Print You must be an American Express cardholder to receive this offer You can only access this offer once every 12 months Our Verdict Your PLUS credit score isn’t used by lenders, it’s a FAKO score which is only educational & designed specifically for consumers. As such it’s not a good idea to put a lot of stock into this score, it should only be used as a very general outline of how your…
  • Join Garuda Airlines & Get 1,000 Miles For Free

    William Charles
    22 Apr 2014 | 7:04 pm
    The Offer Direct link to offer Join Garuda Miles & receive 1,000 miles for free The Fine Print No end date Our Verdict When we joined only 200 out of 1,000 bonus miles posted instantly, hopefully the rest of them post shortly. Unfortunately 1,000 miles isn’t enough to redeem for anything and it’s also not possible to transfer the miles on the site directly or through a third party site such as points.com. Personally I’d only sign up for this deal if you plan on using Garuda airlines in the future (they are based out of Indonesia).
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    moneypantry.com

  • New Paid Survey Site for Women & Jewelry Lovers

    Satrap
    22 Apr 2014 | 3:17 pm
    If you like jewelry, you’re going to like this. There is a brand new paid survey panel that is dedicated to jewelry lovers and their opinion about various jewelery products. It’s free to join and like any legit paid survey panel, they reward you for your participation. It is called Lets Talk Jewels, and they are currently looking for new U.S. members. So, if you live in the U.S., hurry up and register before it’s too late.   What is Lets Talk Jewels? Think of it as a survey site that only conducts surveys about jewelery. This panel is basically conducting market…
  • Product Testing Items for Free: 30 Legit Companies

    Satrap
    21 Apr 2014 | 5:18 pm
    There are many companies that give out free products to test. Unfortunately, many people don’t know how and where to get these product testing items. Sure, there are some survey sites and review sites where you can buy products to test and you get paid for them, but we are talking about companies that give away totally free samples. Here you don’t get paid for testing, but you do get almost anything for free.   30 Legit Companies that Give Free Samples to Try If you’re looking for legit product testing opportunities, these companies are known for giving free samples and…
  • How to Get Almost Anything for Free: Real Free Stuff

    Satrap
    20 Apr 2014 | 8:08 pm
    How would you like to get almost anything you want for free?… Yes, it is possible! Here is how… First, sign up with Listia. It’s totally free and you never have to pay anything.   What is Listia? Listia is the free version of eBay. It’s a fun little site where you can get rid of unused stuff and things you don’t need anymore, and get new things you really want in return. It’s based on a credit system. Basically, every time you give something away, you earn certain amount of credits. You can then use those credits to get free stuff other members are…
  • Earning One Hundred Dollars a Month Testing Websites!

    Satrap
    19 Apr 2014 | 1:39 pm
    Not everybody is trying to make a living online. There are many people who would be happy with an extra one hundred dollars a month. If you are one of them, this article is for you. Lately, there has been a proliferation of websites that are happy to pay you money to test drive other websites. My focus today is on one of the most well-known and trusted ones, Usertesting.com. But before we get to explaining the idea of earning an extra hundred or perhaps a few hundred dollars a month with this site, let me stress that this is not a way to get rich, nor is it a way for you to make a living, but…
  • Paid Surveys: Get Paid from the Top 30 Legit Survey Sites

    Satrap
    17 Apr 2014 | 4:15 pm
    Looking for something to do to in your free time that can earn you a little extra cash and/or free gift cards and prizes? Give paid surveys a try!… You won’t get rich doing surveys, but taking online surveys is a fun and easy way of earning that little extra side income you’ve always been looking for.   How Paid Surveys Work? The mechanics involved here is pretty straight forward. First you have to register with a particular paid survey site as a member, during which time you are required to fill up your details. The backend database would then do job matching…
 
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    CompareHero Malaysia

  • Look into These Aspects When You Go for Broadband

    CompareHero.my
    17 Apr 2014 | 7:00 pm
    If you’re thinking of upgrading to—or getting—the best broadband plan for your use, here are just a few things to help you make a well-informed decision before you find yourself signing up for a contract. Broadband Type There are three types of broadband technology available in Malaysia. ADSL, an older broadband technology, is cheaper and more widespread. ADSL can reach download speeds of up to 8Mbps Fiber broadband connections are faster than ADSL, with download speeds reaching up to 100Mbps. Due to its technology and broadband speed, Fiber broadband connections are more expensive than…
  • Petrol Credit Cards that Trump the Rest

    CompareHero.my
    15 Apr 2014 | 7:00 pm
    Everyone who has ever spent money on gas knows perfectly well how expensive petrol has gotten over the years. It is coming to a point that the simple joy of driving around is beginning to be detrimental to one’s regular budget. It is a good thing though, that many credit card companies offer benefits that address everyone’s petrol needs, like cashbacks and discounts. However, with the great number of credit card companies out there, it is hard to choose one that definitely suits our own lifestyle and individual needs. So, we have taken it upon ourselves to take a look at some of the best…
  • How to Save Money When You First Start Earning It

    CompareHero.my
    13 Apr 2014 | 11:39 pm
    Getting your very first pay check is possibly one of the sweetest and most memorable experiences of your life. It’s like a badge that says you are now, without a doubt, a member of the real world. Unfortunately, living in the real world also means having to fend for yourself. No more waking up to breakfast on the table, no more allowances, and no more bailing you out if you run out of money in the middle of the week. As an entry-level employee, your salary is most likely lower than you’d like, so saving might seem out of the question. The good news is that it’s still very possible.
  • Amanah Saham Bumiputera 2: Is this the best investment option for Malaysia’s Generation Y?

    CompareHero.my
    10 Apr 2014 | 7:02 pm
    The Amanah Saham Bumiputera 2 (ASB2) was officially launched on 2nd April 2014. Also known as ASB2, the unit trust fund is an extension of a program of the same name originally launched by Permodalan Nasional Berhad (PNB) on 2nd January  1990. PNB manages the fund which stands at a total of 10 billion units. The initiative is especially designed for the Bumiputeras and meant to boost the community’s economy by providing an alternative savings and investment vehicle. ASB’s goal was to offer long-term, competitive, and consistent returns. To achieve this, the fund was designed as a…
  • Housing Loan Advice and House-Buying Tips for Newlyweds

    CompareHero.my
    10 Apr 2014 | 2:58 am
    Congratulations on your wedding! Now that you have finally tied the knot, you will want to secure a house for you and your family. Acquiring property in Malaysia, though, is a long process. Still, no matter how tiresome the process, owning your own home is always a great investment in the long run. It is also a wonderful feeling to know you have someplace you can relax in after a long day at work, one that can also give your children enough space to play in eventually. Of course, buying a home can be very scary and intimidating, especially because the cost of living is always on the rise,…
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    ChaseBelgrave.Net

  • Over £3 billion worth of pension funds misplaced by savers

    Jamie
    3 Apr 2014 | 8:02 am
    The Pension Tracing Service, the government body responsible for helping people track down their misplaced workplace pensions, has released shocking figures revealing the jaw-dropping scale of their work. According to the statistics at least £3 billion from over a million savers has been misplaced, and The Pension Tracing Service was called on by some 150,000 savers on 2013, almost double the figure for 2010. The research (somewhat unrealistically) predicts that by 2050 there’ll be more than £750 billion worth of lost pension funds from some 50 million misplaced funds. So why so many…
  • Will David Cameron Really Drop the Inheritance Tax Threshold?

    Jamie
    28 Mar 2014 | 10:15 am
    David Cameron’s proposal to increase the inheritance tax threshold has been met with applause from the public at large but has certainly left financial experts sceptical, particularly as the Conservative’s promised this reform in their last manifesto in 2010 and it failed to materialise. Inheritance tax is paid by a single person with an estate worth more than £325,000, or for married couples and civil partners, a combined value of £650,000. Any assets above that threshold are taxed at 40 per cent. However, David Cameron told Saga members in Peacehaven, Sussex that “inheritance tax…
  • Personal Allowance Review Raises Question Marks on Expat Financial Security

    Jamie
    26 Mar 2014 | 3:35 am
    Amidst all the fanfare surrounding Chancellor George Osborne’s pension reform, there’s a good chance you may have missed the announcement that personal allowances for non UK residents will soon be under review. As you’ll no doubt be aware, during the 2014/2015 tax year the limit is set at £10,000, and next tax year will rise to £10,500. However, whilst non-residents are currently eligible for the same benefits as UK residents, George Osborne has suggested that this is subject to change. “To ensure the UK personal allowance remains well targeted, the government intends to consult…
  • HMRC Gains New Powers in Fight Against Pension Liberation

    Jamie
    20 Mar 2014 | 4:45 am
    The most trumpeted aspect of George Osborne’s Budget 2014 was undoubtedly his self-proclaimed “most far-reaching reform to the taxation of pensions since the regime was introduced in 1921″. However, alongside this much needed shake up of the pensions system came an equally vital but less newsworthy change: greater action against pension liberation. Budget 2014 has granted new powers to HMRC to defend against pension liberation fraud, with a notice on HMRC’s website highlighting the tighter rules that a scheme must adhere to in order to be registered by HMRC. HMRC may now…
  • HMRC Tightening Up on QROPS as Pension Liberation Moves Offshore

    Jamie
    18 Mar 2014 | 9:21 am
    Under increased scrutiny from The Pensions Regulator and its affiliates, pension liberation scammers have changed tack; falsely marketing QROPS and other offshore pensions as means of accessing one’s pension pot early, a recent industry forum heard. The news came through HMRC’s latest Pension Stakeholder Forum, and highlights how pension liberators are becoming more sophisticated in their attempts to avoid prosecution. HMRC said “Some arrangements involve transfers to pension schemes outside the UK – HMRC are monitoring all cases, whether within or outside the UK, extremely closely…
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    Financial Market Vigilante

  • Emerging Market Debt Options to Hedge Fed Taper and Stock Volatility

    10 Apr 2014 | 4:16 am
    Managing money in the current financial market is beginning to resemble the game of musical chairs I played years ago in grade school.  Last year, at virtually the same moment in the year, the market “forces” decided that the music would stop and the debt market, primarily the longer duration bond market as well as high dividend paying stocks such as utilities (VPU), telecom (VZ) (T) and REITs (VNQ), would not have a seat at the table.  Municipal bonds (MUB) last summer were also ostracized from the game, with the fears of bankruptcies in Detroit and Puerto Rico looming large…
  • Stock Market Ends Q1 2014 on an Uptick on Charitable Rate Fed Speak – Buyers Beware

    1 Apr 2014 | 9:39 am
    On March 31, 2014, the last trading day of the quarter, the stock market moved higher allowing the S&P500 to eke out a gain of 1.6% YTD, while the DOW shows a YTD loss of -.7%.  Fed Chair Janet Yellen took center stage giving a heart wrenching speech about the lack of work for the under employed and her perspective that excessive slack remains in the economy.  It sounded more like a speech by for the head of a charitable organization like the Red Cross than the head of the most the most powerful central bank on the planet.The extremely “dovish” speech by Chair Yellen should…
  • Is the U.S. Energy Boom all it's “Fracked Up” to be?

    26 Mar 2014 | 11:51 am
    You can hear the heightened expectations in the current business news every trading session.  The exploration and production activities which are cranking up in the Bakken, Eagle Ford, Marcellus and other plays are producing a glut of oil and gas which will lead to energy independence and cheaper energy well into the future for American consumers.  Laudable goals and U.S. citizens which think to the contrary are definitely a minority.  The expectations have become so ingrained the psyche of the market that the forward price curve for the benchmark WTI NYMEX delivered crude oil…
  • New All-time S&P500 Highs - What will Derail the Stock Market Party?

    3 Mar 2014 | 7:45 am
    To help investors looking for a system to track the relative attractiveness of the U.S. equity market, the Financial Relativity Index has been created based on a set of leading indicators derived from the research contained in the book, Theory of Financial Relativity.  The index is a heuristic used to gauge the relative attractiveness of investing in stocks at a given time based on the interaction of major market forces and the resulting impact on the rate of change in the price levels of stocks (DOW Signal), money (Interest Rate Spreads) and energy (Oil).  All of the signals in the…
  • Bernanke’s Legacy - Lessons in QE and an 800 lb Gorilla

    30 Jan 2014 | 6:50 am
    The Federal Reserve members bid farewell to Ben Bernanke at his last formal FOMC meeting on January 29th, 2014.  The story surrounding his departure as Fed Chairman for me is what he has taught the investing community about the power and limitations of Federal Reserve policy.  In addition, the forming story is that investors are beginning to adjust their portfolio to deal with the 800 lb gorilla he is leaving behind for Chairwoman Janet Yellen to manage.  His legacy, in my opinion, will be shaped by what happens to the $2.4 Trillion dollars (and still growing) in excess…
 
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    Money International

  • What Sort Of Home Does £250,000 Buy An Expat?

    Vicky Dixon
    22 Apr 2014 | 10:19 pm
    Expats often quote the lure of warmer weather and a more laid-back lifestyle as reasons for moving overseas, but another bonus is more space for the money when buying a home. According to the latest figures from the Office of National Statistics, an average British home now costs £254,000. For most that means a three-bedroomed semi in the suburbs with hardly enough room to swing the proverbial cat. That stereotype has prompted many to take a look around the world to see exactly what that £250,000 will buy in some of the favourite destinations for expats. According to migration research by…
  • Expats Ready To Plough Cash Into UK Buy To Let

    Vicky Dixon
    22 Apr 2014 | 3:28