Personal Finance

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  • 9 Reasons You May Never Retire

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

    Personal finance news - CNNMoney.com
    21 Oct 2014 | 4:21 pm
    Consistently checking whether you're savings is projected to last you through retirement is one of the best ways to create a smart and responsible retirement income plan and manage it along the way.
  • 7 Money Conversations You Want To Have With Your Kids

    Forbes - Personal Finance
    Michael F. Kay
    21 Oct 2014 | 8:31 am
    What you teach your kids about money lasts a lifetime.
  • How Much Debt Are You Comfortable With? 3 Questions to Ask

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

    Forbes - Personal Finance
    Travis Bradberry
    21 Oct 2014 | 3:01 pm
    Toxic people defy logic. Some are blissfully unaware of the negative impact that they have on those around them, and others seem to derive satisfaction from creating chaos and pushing other people’s buttons. Either way, they create unnecessary complexity, strife, and worst of all stress. Studies have long shown that stress
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • 9 Reasons You May Never Retire

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

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

    Linda Vergon
    17 Oct 2014 | 4:00 am
    This article is by editor Linda Vergon. The small, rectangular ceramic flower pots I kept in the two window sills of my bathroom had never budged an inch in the 14 years I owned the home, but one day I saw that one was close to falling out onto the counter below. I wondered if a small earthquake had caused it to move as I pushed it back in place. About a week later, I came home to find that the pot had actually fallen completely off the little ledge and onto the counter. This time I stopped to understand why, and I discovered that the small window was separated from the sill. I went outside.
  • 5 key retirement factors your financial plan may not address

    Robert Brokamp
    16 Oct 2014 | 4:00 am
    This is a post from staff writer Robert Brokamp of The Motley Fool Robert is a Certified Financial Planner and the adviser for The Motley Fool’s Rule Your Retirement service. If you love cat pictures, today is your lucky day. Because I’m back! As longtime readers will recall, I contributed to Get Rich Slowly from 2009 to 2013. I often wrote about more “technical” (i.e., boring) topics, such as taxes and IRAs. In order to provide a reprieve from the technical-ness, J.D. occasionally sprinkled in cat pictures. I tried not to take it personally. Photo: ZUMA Press But for…
  • Lifestyle inflation: How to decide if it’s ever okay

    Kristin Wong
    15 Oct 2014 | 4:00 am
    This article is by staff writer Kristin Wong. Despite that I don’t own it, I like my apartment. It’s got a mountainous view, it’s comfortable, and my neighbors are few but friendly. Sure, I’d like to own a home someday. But, unless I move to another city, that probably isn’t going to happen in the next few years. I’m fine with that. Like my neighbor said, I’d rather live here than anywhere else, at least for now. If you sense a wee bit of defensiveness in my tone, you’re not imagining it. Part of me is trying to justify something. After my…
 
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    Consumerism Commentary

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

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

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

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

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

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

  • IRS Collection Action Can Be Delayed For A Long Time

    Peter J Reilly
    21 Oct 2014 | 5:19 pm
    If you want to contemplate a real IRS scandal, you might take a look at a recent TIGTA report .  The report indicated that in fiscal 2013, the IRS wrote off $16.1 billion in tax debts, which is five times as much as field agents collected.  (The overwhelming bulk of tax collections are from compliant taxpayers just paying.  There are also automated collections.  Field collections is more of a backstop.  Still you would think that they would collect more than they write off.)The steps that TIGTA recommended to address the situation strike me as rearranging the…
  • How Successful People Handle Toxic People

    Travis Bradberry
    21 Oct 2014 | 3:01 pm
    Toxic people defy logic. Some are blissfully unaware of the negative impact that they have on those around them, and others seem to derive satisfaction from creating chaos and pushing other people’s buttons. Either way, they create unnecessary complexity, strife, and worst of all stress. Studies have long shown that stress
  • How To Bare Your Finances To Your New Love

    Larry Light
    21 Oct 2014 | 2:14 pm
    Money is one of the top sources of conflict for couples, so it’s crucial to learn a potential partner’s finances.
  • IRS Sheds Light On The Use Of The Recurring Item Exception

    Tony Nitti
    21 Oct 2014 | 11:41 am
    Moving is the worst.
  • 7 Money Conversations You Want To Have With Your Kids

    Michael F. Kay
    21 Oct 2014 | 8:31 am
    What you teach your kids about money lasts a lifetime.
 
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    Yahoo News - Latest News & Headlines

  • The Ben Bradlee mystique

    21 Oct 2014 | 5:02 pm
    The famed Washington Post editor was a one-of-a kind newsman from an age gone by.
  • Is Iowa's Joni Ernst a pragmatist or a partisan?

    22 Oct 2014 | 2:30 am
    The contest between Iowa state Sen. Joni Ernst and Rep. Bruce Braley is one of the closest Senate races in the country. And whether Iowans believe her claim that she is a middle-of-the-road Republican conservative who likes to solve problems — rather than a tea party candidate who wants to impeach President Barack Obama and abolish the Department of Education and the IRS — will decide the race and possibly determine which party controls the Senate.
  • Giants top Royals 7-1 in World Series opener

    31 Dec 1969 | 4:00 pm
    The Giants snapped Kansas City's eight-game postseason winning streak, riding a Hunter Pence home run, another sublime Madison Bumgarner performance and a mistake-filled Royals showing to a 7-1 victory at Kauffman Stadium on Tuesday.
  • CDC debuts new safety steps in Ebola training for thousands

    21 Oct 2014 | 6:53 pm
    Thousands of New York City health-care workers — from nurses to janitors — learned how to safely put on and take off a full suit of protective equipment to treat a patient with Ebola at an upbeat Centers for Disease Control and Prevention event in Manhattan Tuesday morning.
  • U.S. to funnel travelers from Ebola-hit region through five airports

    21 Oct 2014 | 8:43 pm
    By Jeffrey Dastin NEW YORK (Reuters) - The United States ratcheted up its safeguards against Ebola on Tuesday, requiring travelers from three countries at the center of an epidemic in West Africa to fly into one of five major airports conducting enhanced screening for the virus. Restrictions on passengers whose trips originated in Liberia, Sierra Leone or Guinea were announced by the U.S. Department of Homeland Security and due to go into effect on Wednesday. The precautions stop well short of the travel ban sought by some U.S. lawmakers to prevent more Ebola cases in the United States. ...
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    My Money Blog

  • Prosper vs. LendingClub Investor Experiment: 2 Year Update

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

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

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

    Jonathan Ping
    16 Oct 2014 | 11:17 pm
    In the October 2014 issue of Car and Driver magazine, they have an article “Space Exploration” comparing the space-efficiency of “hatchbacked” vehicles – hatchbacks, wagons, crossovers, SUVs, vans. Their definition of space efficiency was carrying capacity compared to the amount of ground a vehicle occupies. Specifically, the maximum seats-down cargo volume divided by footprint (length times width). Trucks don’t count. I can’t find a version of the chart online, so here is my rundown of the findings: The most space-efficient vehicles were cargo vans…
  • Comparing Three Major Levers You Can Pull On Your Retirement Portfolio

    Jonathan Ping
    15 Oct 2014 | 11:51 pm
    One of the most popular posts on the Vanguard blog is My one piece of investing advice by Andy Clarke. Let’s start with the following baseline scenario: Investor begins working at 25, but starts saving at age 35. 12% savings rate Moderate asset allocation (50% stocks and 50% bonds) Salary starts at $30,000 but increases with age Now, imagine there are three “levers” that you could pull in order to try and increase your final savings balance at retirement – asset allocation, savings rate, or time horizon. In each case, everything else in the scenario stays the same.
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    The Simple Dollar The Simple Dollar

  • Chase Slate® Review

    Heather Catalano
    21 Oct 2014 | 1:00 pm
    Chase Slate® is the best card around to help you pay off credit card debt as quickly as possible, then keep your balance hovering at or near zero with an array of helpful budgeting and payment tools. With Chase Slate®, you’ll receive an introductory balance transfer offer with no balance transfer fee for the first 60 days. You’ll also get the unbeatable introductory rate of 0% APR on all purchases and said balance transfers for the first 15 months. These introductory offers from Chase Slate are ideal if you’ve been struggling to pay off your credit card balance because of high…
  • Keeping Lifestyle Inflation at Bay

    Trent
    21 Oct 2014 | 7:00 am
    One of the biggest challenges that people face when it comes to personal finance success is lifestyle inflation. It’s a subtle thing that people often just take on without even really noticing or thinking about it, but then it turns out to be a vicious enemy of their financial goals. What Is Lifestyle Inflation? Lifestyle inflation simply refers to an increase in spending in response to an increase in income. Whenever a person starts bringing home more money and then, because of that increased income, they start spending more by buying a nicer car, buying more gadgets, and so on,…
  • Student Loans 101: Vocabulary

    Kristen Kuchar
    21 Oct 2014 | 5:00 am
    Money and college can be confusing. Whether you’re just starting out on your college journey or dealing with student loans from years ago, here is a glossary of helpful terms you may need to know: Accredited: If your college and program is accredited, it means that it has met specific requirements by the U.S. Department of Education. You’ll have to attend an accredited school to get federal loans or use any federal aid. Administrative Wage Garnishment: If your federal student loans go into default, the federal government has the ability to take up to 15% of your disposable income…
  • Questions about Baby Exhaustion, Data Plans, Goodwill, Costco, and More!

    Trent
    20 Oct 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. Money discipline with baby exhaustion 2. Never enough 3. Piles of old paperbacks 4. Books for high earners 5. Investing small amounts 6. The $2,000 iPad 7. Buy it for life: Goodwill 8. Comparing quality of life 9. “Costco-sized portions” 10. Are data plans worth it? 11. Trick or treat expense 12. Headphones advice 13. Debt repayment or savings 14. Selling hair 15. NaNoWriMo Recently, I was asked by a…
  • Saving Money in Your Startup Part 2

    Joe Sweeney
    20 Oct 2014 | 5:00 am
    So you’re thinking about starting a business. Congrats! Now what? Odds are good that if you’re starting a business, you’re a “solopreneur” — meaning it’s just you, and you’ve got some questions about what to do next. Whether it’s your first startup or you’ve been down this path before, identifying and accessing key resources — both online and offline — will save you money when you launch your business. Today’s post will explore money-saving tools, software, and practices to help you launch your startup in a cost-efficient…
 
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    Wise Bread

  • 9 Ways You Put Your Life at Risk Every Day

    Tim Lemke
    22 Oct 2014 | 2:00 am
    If you watch cable news, you'd think that we were all at risk of dying from Ebola, falling airliners, or terrorist attacks. But the reality is that the greatest risks to our health stem from activities we take part in nearly every day. Statistically, we are far more likely to get hurt or die doing...
  • 25 Hotel Hacks From Professional Travelers

    Nora Dunn
    21 Oct 2014 | 2:00 pm
    There's nobody better than a professional traveler to know how to get great hotel rates, free upgrades, and tweak their rooms to make their stay as comfortable as possible. In this article, a panel of professional travelers share their 25 best hotel hacks. (See also: 15 Airport Hacks From...
  • Best Money Tips: How to Save Money and Be Green

    Amy Lu
    21 Oct 2014 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some terrific articles on easy ways to save money and be green, breakfast ideas for every kind of morning, and Costco shopping secrets. Top 5 Articles 8 Easy Ways To Save Money & Be Green — Move your fridge away from the...
  • Best Deals for Tuesday 10/21

    Amy Lu
    21 Oct 2014 | 10:40 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Target Clearance: Up to 60% off, Best Buy 1-Day Sale, $100 Toys "R" Us Gift Card for $85, and more!
  • 3 Unbelievable Visualization Board Success Stories

    Brittany Lyte
    21 Oct 2014 | 10:00 am
    Visualization boards, collaged with images and words depicting our goals and desires, are a popular technique for manifesting what we want out of life. It's really quite simple: Paste visual representations of your wishes and intentions on poster board, thereby activating the subconscious mind to...
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    Bargaineering

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

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

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

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

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

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

  • When Taking Vows, Vow to Spend Less

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

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

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

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

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

  • Ten Years Gone By…

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

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

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

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

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

  • Can a $1000 a Pill Hepatitis C Drug Really Save Prisons Money?

    Kendra Smith
    21 Oct 2014 | 3:58 pm
    With over 3 million cases of Hepatitis C in the US alone, it comes as no surprise pharmaceutical companies put great resources into testing new medications to help fight the disease. Gilead Sciences of Foster City received approval for a … Continue reading →
  • McDonald’s Monopoly Boardwalk Rare Piece Scam

    Jeffrey Strain
    21 Oct 2014 | 10:06 am
    As the popularity of McDonald’s Monopoly grows each year, the more people find ways to try to take advantage of people’s greed or their desperate financial situations. For those who decide to play McDonald’s Monopoly in 2014, it’s important to … Continue reading →
  • Ebola Not a Top Five Concern for Americans While Ebola Scams Proliferate

    Julie Morse
    21 Oct 2014 | 9:07 am
    While Ebola is on the radar of Americans, it’s not a top five concern for most. During the week of October 12th, the Gallup polling organization determined that Ebola was one of Americans’ top 10 concerns, yet trailed behind 5 … Continue reading →
  • More Hiring and Jobs Filled but Few Pay Raises in Sight for the Workforce

    Kara Pendleton
    20 Oct 2014 | 10:44 pm
    Despite three straight pay raise increasing quarters, the third quarter of 2014 showed a 43 percent decline in the number of raises from the second quarter, according to a National Association for Business Economics survey. In fact, fewer than one-quarter … Continue reading →
  • Scientist Captures and Studies a Spider the Size of a Puppy

    Julie Morse
    20 Oct 2014 | 8:58 pm
    If you have any type of fear of spiders, you’re going to want to skip this article. Harvard entomologist Piotr Naskrecki was taking a late night walk through the rainforest in Georgetown, Guyana, searching for Katydids, when he thought he … Continue reading →
 
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    Mighty Bargain Hunter

  • Fourteen travel tips for infrequent fliers

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

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

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

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

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

  • The Theoretical Aspects of How Much Insurance Should One Have

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

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

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

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

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

  • Spending in a Fog

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

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

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

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

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

  • Where Will Your Retirement Income Come From?

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

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

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

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

    Lazy Man
    15 Oct 2014 | 5:15 am
    When I started Lazy Man and Money, I started it with the idea that I would explore opportunities to make more money and retire early. I still remember one of my second posts was about a condohotel in Vegas that I was interested in buying into. I thought it was in interesting investment because you own a condo, but rent it out like a hotel... almost like many people are doing with full time AirBnB places today. It was too much money to get in and fortunately I didn't get involved in that mess. I don't think they ever got it off the ground. What I didn't realize is that I had started a business…
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    No Credit Needed

  • Avoid These Budgeting Mistakes

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

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

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

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

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

  • FutureAdvisor Review – Investment Management and Advice With Low Fees (Even Free)

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

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

    Glen Craig
    9 Oct 2014 | 5:25 am
    When you use a credit card wisely it’s a great tool to have in your pocket.  But it’s even better when you can earn some nice, juicy rewards that can help you travel! That’s what the Barclaycard Arrival PlusTM World Elite MasterCard® does. Stick around and keep reading our review and I’ll show you why the Arrival Plus World Elite is aching to be part of your credit card tool set.  You’ll also see what’s it’s a great all-around travel rewards card. The Barclaycard Arrival PlusTM World Elite MasterCard® – Rewards That Are Easy and Keep Coming…
  • Read These 12 Tips and Save on Halloween Costumes for Your Kids

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

    Kevin Mercadante
    1 Oct 2014 | 3:20 am
    tradeMONSTER is a real time investment trading platform that features some of the lowest trading fees in the industry. Though it has only been around a few years, it has grown steadily in to one of the most popular trading platforms for active, self-directed investors.  If this describes you then read on see if tradeMONSTER is for you! Who Is tradeMONSTER? tradeMONSTER was co-founded by Jon and Pete Najarian and Dirk Mueller-Ingrand.  All are professional traders and respected investment industry experts.  When founded, the company was a subsidiary of tradeMONSTER Group Inc. The founders…
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    Blogging Away Debt

  • Don’t Jinx Me, But…..

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

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

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

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

    Hope
    15 Oct 2014 | 7:39 pm
    Yup, the title says it all about how my day went today…not exactly how I’d planned it. Over the weekend, we discovered that our refrigerator had lost power, and it had been off for at least a couple of days.  Can you say grotesque smelling!!!  How? You ask, could I have gone that long without noticing the power was out?  Well, the kids had said, “Hey Mom, the refrigerator light is out?” and I took that to mean that we needed a new bulb, not that we lost power.  Ugh!  I didn’t cook a lot either since I was the event planner for a large event on Saturday and…
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    Clever Dude Personal Finance & Money

  • FREE Software That Can Save You Headaches and Money

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

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

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

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

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

  • NY tax scammers copying fake IRS tax call template

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

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

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

    skbell1
    18 Oct 2014 | 3:25 pm
    Workers have been paying the full 6.2 percent Social Security payroll tax for almost two years now. You remember this so-called tax holiday in place in 2011 and 2012. During those years, the deduction from your pay that goes toward the federal retirement program was reduced by 2 percentage points to 4.2 percent. The matching employers' portion stayed at 6.2 percent. The payroll tax cut for workers was made so that folks would have a few more dollars to spend, giving the sluggish economy a buying boost. But after two years, Congress decided enough was enough and let the payroll tax go…
  • 2014 tax planning starts with your tax bracket

    skbell1
    17 Oct 2014 | 3:37 pm
    The 2013 tax year is finally over. That means it's time to turn your tax thoughts to moves you can make to reduce your 2014 tax bill. A good starting point for any tax planning is with the basics, such as knowing what your tax bill likely will be. While there are a lot of variables that come into play, you can get a general idea by checking out the annual tax brackets. We're still waiting for Congress to finalize many 2014 tax laws, but the seven ordinary income tax rates are the same, starting at 10 percent and topping out at 39.6 percent. And the Internal Revenue Service's…
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    Money Smart Life

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

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

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

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

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

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

  • Halloween Costume Ideas 2014

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

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

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

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

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

  • How Much Debt Are You Comfortable With? 3 Questions to Ask

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

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

    Ashley Eneriz
    18 Oct 2014 | 5:00 am
    Many times when people ask me what I do, I get mixed responses when I explain that I’m a stay-at-home mom. Some people are a little put off by it (which is totally fine), while others look at me as if I have stumbled upon this lucky coin in life. “I wish I could stay at home with my babies too, but we need my income”, is usually the response I hear. For some individuals, staying at home is not a choice because they do need the extra income. However, when another mom tells me how lucky I am, I can’t help notice that they have a nice iPhone, new and trendy clothes, as…
  • 4 Ways to Save for a Cruise Trip Without Earning More Money

    Jessica Sommerfield
    17 Oct 2014 | 5:00 am
    A few months ago, a group of my husband’s online gaming friends mentioned they’re planning to take an Alaskan cruise next spring or fall, and invited us to join. While we’ve mentioned the idea of taking a cruise some time in the future, this conversation put the decision, place, and time right at our doorstep. After some thought, we decided…why not?  We have almost a year to save for it and plan the details, and if we don’t go now — while we’re still without children — it might be a long time coming. But then came the fun part: how are we going…
  • 3 Reasons You MUST Have an Emergency Fund Before Paying Off Debt

    Travis Pizel
    16 Oct 2014 | 5:00 am
    So you’ve made that very difficult first step and decided it’s time to do something about your debt. Maybe you’ve reached the end of your financial rope. Perhaps you signed up for a money management program, enrolled in a debt relief plan, or maybe you’re doing it all on your own. You’re excited about the prospect of finally getting your finances on track and starting down the path to achieve this thing called financial freedom that you’ve heard so much about. But before you take the plunge, there’s one prerequisite to getting started. You need an…
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    Money Blue Book

  • 3 money moves to make before a career change

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

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

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

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

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

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

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

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

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

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

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

  • DR 118: 9 Actionable Tips to Help You Stick to Your Investment Plan

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

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

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

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

    Rob Berger
    10 Oct 2014 | 3:24 pm
    Should you put your emergency fund in a Roth IRA? If you’re considering this option, you’re not alone. Here is an email from a reader named Thomas asking whether it’s wise to rely on Roth IRA in the case of emergencies: Q:I was wondering what you thought about using Roth IRAs for storing emergency/savings funds? My wife and I are both 40 years old and keep about 2 months emergency fund in a savings/CD account and the rest we are putting into Roth IRAs (one for my wife and one for me). 75% of the asset allocation is Vanguard short-term bonds and the other Vanguard 25% is in stock…
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    Hustler Money Blog

  • Chase Ink Plus Business Card Review 2014: Get 50,000 Bonus Points- that’s $625 Towards Travel Rewards

    Hu$tler
    21 Oct 2014 | 8:02 am
    Read all about the Chase Ink Plus Business Card Review 2014 Edition. You can easily earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards. Chase Ink Plus Business Card Review 2014 The Ink Plus® Business Card offers 50,000 bonus points after you spend $5,000 in the first 3 months from account opening- that’s $625 towards travel rewards. With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full. Cardholders earn 5X points per $1 on…
  • SimplyCash Business Card from American Express Review: $250 Statement Credit

    Hu$tler
    20 Oct 2014 | 10:23 pm
    For a limited time only, the SimplyCash® Business Card from American Express offers a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership. To be eligible for this offer, your application must be received by February 24, 2015. The card automatically crediting cashback for business expenses and offering discounts with participating merchants. New cardholders earn 5% cash back at U.S. office supply stores, 5% cash back on services from U.S. wireless telephone service providers, 3% cash back on the category of your choice…
  • VOYA Financial Free $500 Mutual Fund Born Today!

    Hu$tler
    20 Oct 2014 | 4:48 pm
    This is an unusual deal, but hey VOYA Financial is offering a $500 mutual fund for any baby born on TODAY!(10/20/2014) in the USA. If you know of anyone, let them know by forwarding the link. The money is automatically invested into Voya’s Global Target Payment Fund, which according to Morningstar has above-average costs and below-average performance. You will need to register the baby birth by 12/19/2014. Gold Delta SkyMiles® Credit Card from American Express is offering 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement…
  • SunTrust Bank $300 Bonus In-Store Branches

    Hu$tler
    20 Oct 2014 | 4:08 pm
    There is a new $300 checking promotion at participating in-store SunTrust branches located inside Publix, Kroger, Walmart, Bi-Lo retail stores and inside the Orlando Airport.  I suggest you call those locations if you live nearby and see if it’s available. According to the flyer, they will give you $300 bonus when you open a new Everyday, Solid Choice, Signature Advantage, or Signature Advantage Brokerage checking account by November 16, 2014. Make sure to set up direct deposit within 60 days to get the first $150 bonus. Then earn an additional $150 by continuing your direct deposit…
  • Giant Stores and Stop & Shop Free Gas Gift Card Promotion

    Hu$tler
    20 Oct 2014 | 3:07 pm
    For those living near a Stop & Shop or Giant stores, they are offering 3 points per dollar towards discounted gas for buying select gift cards, including Mastercard and Visa gift cards. The Giant stores promotion is valid through 10/25/2014, but Stop & Shop is good through 10/23/2014. Simply put, you can buy a $500 MasterCard or Visa at a cost of $505.95 due to the $5.95 activation fee. You’ll earn 1,500 gas point which is worth up to $52.50 of free gas for up to 35 gallons. You may want to get those gas canisters ready or have another car pull right behind when filling up.
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    Personal Finance News

  • Saginaw, MI Teenagers Can Call New Helpline for Addiction Recovery Advice

    ACN Staff
    22 Oct 2014 | 3:01 am
    A new helpline for troubled teenagers in Saginaw, MI is making it easier for adolescents to locate a teen recovery clinic with expert addiction therapists. LIGHTNING RELEASES (10/22/2014) – Just like elsewhere across the country, teenagers in Saginaw, MI are finding that the allure of drug and alcohol abuse is just too much to resist. […]Saginaw, MI Teenagers Can Call New Helpline for Addiction Recovery Advice was created by and is property of American Consumer News.
  • Euless, TX Teenagers Can Call New Helpline for Addiction Recovery Advice and Guidance

    ACN Staff
    22 Oct 2014 | 12:00 am
    The Troubled Teen Helpline for Euless, TX is now operating for adolescents in search of a reliable advice on a place to overcome substance abuse once and for all. LIGHTNING RELEASES (10/22/2014) – Euless, TX adolescents who are struggling with a serious addiction to drugs and alcohol are in luck because there is a new […]Euless, TX Teenagers Can Call New Helpline for Addiction Recovery Advice and Guidance was created by and is property of American Consumer News.
  • GunAdsUSA.com Celebrates Website Launch

    ACN Staff
    21 Oct 2014 | 10:01 pm
    LIGHTNING RELEASES: Olathe, Kansas (10/21/2014) – Brian and Blake Cornish, accomplished business veterans, recently launched a new Internet company, GunAdsUSA.com. GunAdsUSA.com was born of necessity due to the strong anti-second amendment stance adopted by internet advertising platforms like Google, Bing, Facebook, eBay and Craigslist. The new company offers classified ads, auctions and banner ads to […]GunAdsUSA.com Celebrates Website Launch was created by and is property of American Consumer News.
  • Groundbreaking Nonfiction Book American Boys Earns Kirkus Star

    ACN Staff
    21 Oct 2014 | 10:00 pm
    American Boys: The True Story of the Lost 74 of the Vietnam War is “history at its best,” according to a stellar review in Kirkus Reviews LIGHTNING RELEASES: SOUTHERN CALIFORNIA (10/21/2014)—One of the top honors in the publishing world, seasoned journalist Louise Esola’s American Boys: The True Story of the Lost 74 of the Vietnam […]Groundbreaking Nonfiction Book American Boys Earns Kirkus Star was created by and is property of American Consumer News.
  • Mansfield, TX Helpline on the Forefront of Teen Addiction Recovery Support and Advice

    ACN Staff
    21 Oct 2014 | 7:00 pm
    Troubled Teens Mansfield is a helpline dedicated to providing guidance to teens searching for a dependable teenager alcohol and drug recovery program. LIGHTNING RELEASES (10/21/2014) – A new helpline operating in Mansfield, TX is making it easier for adolescents to discover the drug and alcohol recovery facility which can help them recover from addiction. The […]Mansfield, TX Helpline on the Forefront of Teen Addiction Recovery Support and Advice was created by and is property of American Consumer News.
 
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    Cash Money Life | Personal Finance, Investing, & Career

  • Federal Tax Extension Deadline – October 15

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

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

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

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

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

  • How To Be The Best Babysitter

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

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

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

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

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

  • Money in Your Twenties – 5 Things You Should Know

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

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

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

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

    Alexa
    12 Oct 2014 | 9:15 pm
    If you’re trying to make ends meet you’ve likely put away the credit cards, created a budget, and are diligently tracking your spending. But still, there’s more month than there is money. If this sounds like you here are five (creative) ways to save money on everyday expenses. Use Lozo Before Grocery Shopping I don’t have time to sit down, search sales fliers and look through coupon inserts before grocery shopping and my guess is you don’t either. With Lozo.com you enter your grocery list and they’ll search hundreds of databases for online coupons. If they find any matching…
 
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    CreditCards.com

  • Obama's credit card spurned by NYC eatery

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

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

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

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

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

  • A Three Year Old Birthday Party and Sticking With My Minimum Gift Rule

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

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

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

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

    One Frugal Girl
    10 Oct 2014 | 2:17 pm
    I appealed my unexpectedly high out of town medical bill and received notification that a portion of my $875 bill will be covered after all. Since the facility is out of network I am responsible for 20% coinsurance on the total, which amounts to $175. I also owe the negotiated rate, ($165.59), for a $268 doctor’s bill. Rather than paying $1148 I now appear to owe only $340.59. (I say appear to owe because the Explanation of Benefits have not been finalized yet.) Readers of this blog may remember that I was contemplating the decision to drive twelve hours roundtrip to avoid…
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    My Dollar Plan

  • Holiday Gift Ideas for Wine Lovers

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

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

    Madison
    17 Oct 2014 | 6:28 am
    One of my favorite annual holiday offers is back! It’s our Friday Free Money this week! American Express is running their Small Business Saturday promotion again. This year they’ve tripled the offer! You can now get three $10 statement credits per card! Depending on how many American Express cards you have, this bonus will really add up! How to Get Your $30 in Statement Credits On November 16, register your American Express card for 2014 Small Business Saturday. On November 29th, 2014 (that’s the day after Black Friday) use your registered card for a purchase of at least $10…
  • Ebates Cashback and $10-$75 Bonus

    Madison
    16 Oct 2014 | 9:54 am
    Since we kicked off the holiday season gift guide earlier this week, it’s also time to start highlighting cash back opportunities in our holiday cash back series. If you are like me, you’ll probably do a lot of online shopping over the next few months. We’re highlighting new cashback opportunities and some of our favorite cash programs. To get started, we’re focusing on a reader favorite… Ebates! Since they offer a sign up bonus, it also moves higher up on my list. How to Get Your $10 Ebates Sign Up Bonus Sign up for an Ebates account. Make your first $25…
  • When is the Tax Extension Deadline?

    Madison
    15 Oct 2014 | 7:09 am
    If you filed for a tax extension last April today, October 15, 2014, is the tax extension deadline for your 2013 tax return. The original 2014 tax deadline for your 2013 tax return was on April 15, 2014. If you filed Form 4868 you got an automatic extension, which is due six months after the April tax deadline. Tax Deadline Postmark Whether or not you meet the tax extension deadline is based on the postmark on your taxes. You must have your taxes postmarked by the deadline, but the IRS doesn’t need to receive your taxes by the 2014 tax deadline. If you plan to mail your taxes, deliver…
 
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    My Financial Journey

  • Retirement Nestegg Report – September 2014

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

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

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

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

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

  • Is Your Teen Ready for a Checking Account?

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

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

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

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

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

  • Getting Exposure to the Canadian Energy Industry

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

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

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

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

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

  • Unboxing Of The Republic Wireless Motorola Moto X Smartphone

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

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

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

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

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

  • Tales of Financial Persistence

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

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

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

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

    Big Cajun Man
    14 Oct 2014 | 4:18 am
    Friday before the Long Weekend our friends at Stats Canada published some relatively good news for the Canadian Economy, with 74000 more folks employed in September (2014). Coincidently the unemployment rate dropped 2/10 of a percent as well, so all in all a rosier picture, with unemployment the lowest it has been since December 2008 (nearly the beginning of the economic collapse). Chart 1 Employment for past while The graph seems to look more optimistic. The areas where employment increased the most was youths aged 15 to 24 and women aged 25 to 54. The more youth employment is a…
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    Early Retirement Extreme

  • Do I think Asian? Do you?

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

    Jacob
    21 Oct 2014 | 6:05 pm
    … in which I describe my challenges in dealing with a socialized health care system when it comes to the art of dentistry. Prior to traveling to myCountry(*), I had noticed a what I believed to be a cavity on one of my molars. Not desiring to through the “procedure” at my California dentist which usually takes half a day and leaves me $500+ poorer, I decided to take my chances with my old dentist in Denmark, which I hadn’t seen in 10 years. So I had my parents schedule an appointment—no double booking—and here is how it went. First there was some issues…
  • Fit Dad Fat Dad

    Jacob
    21 Oct 2014 | 6:04 am
    The title of this post is “Fit Dad Fat Dad” partially in honor of Rich Dad, Poor Dad and partially to stir up some controversy in the same way that RDPD does. RDPD has a fairly poor reputation amongst personal finance bloggers. I think the reason is that it questions widely held beliefs on personal finance. The aim of RDPD is to get the reader to stop thinking like a middle-class person and start thinking like a capitalist or an investor. This is about as hard as convincing a Democrat to become a Republican or vice versa. Many readers completely miss this point and instead complain that…
  • Measuring prosperity by less activity, not more

    Jacob
    20 Oct 2014 | 6:04 pm
    The lack of activity is a a core measure for intelligent design. Unfortunately, very few, myself included, are behaving very intelligently these days. Which would be the more intelligent way to feed yourself? To go outside and pluck an apple or shoot something wild and eat it, or to plant seeds every year, harvest, and till? (*) It is certainly clear that the latter ranks high in terms of the sacred “productivity” we worship these days—I guess maybe we still haven’t left the 80s, when being busy and stressed was a badge of honor. Do less useless things! (*) See chapter…
  • Living aboard

    Jacob
    20 Oct 2014 | 6:03 am
    I’m the type that sees life itself as an adventure. I left my home country almost 10 years to go to grad school in another country. When I finished, I left for country number three (this country). I live with the presumption that I live with a sense of purpose or that my life has meaning or that I make a difference in some way. I mean this in a very individualistic sense. For instance, a voter in a democracy makes a difference, but it is a difference as part of a crowd or as part of a system and not as an individual. This is not what I am talking about. It is probably apparent that my…
 
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

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

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

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

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

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

    webmaster@pfblog.com
    8 Jun 2014 | 6:34 pm
    With another five-figure increase in the month of May, our net worth breached $1.7M for the first time. In the trailing 12 months, we grew our net worth by $197K, or 13.1%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
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    2million's Personal Finance Blog

  • GUL Cash Accumulation Fund

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

    2million
    7 Oct 2014 | 10:44 am
    Highlights for SeptemberBetween my wife and I we have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses this year. Our credit scores are still hovering around 800, but since we have no plans to utilize our credit for other financing anytime soon, we are making a little money off our credit scores by taking advantage of these promotional opportunities.We are not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet…
  • Free Museum Day 2014

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

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

    2million
    3 Sep 2014 | 5:14 pm
    Highlights for AugustBetween my wife and I we have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses this year. Our credit scores are still hovering around 800, but since we have no plans to utilize our credit for other financing anytime soon, we are making a little money off our credit scores by taking advantage of these promotional opportunities.We are not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet based…
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    FIRE Finance

  • Happy Columbus Day

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

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

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

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

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

  • The Theoretical Aspects of How Much Insurance Should One Have

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

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

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

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

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

  • I Need Some New Food Ideas

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

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

    Lulu
    9 Oct 2014 | 11:40 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $50.47 for household items that were not food. I also made a partial payment on tuition for the semester and I have two more payments to make before the end of the semester. Luckily I can spread them out to put a portion on my credit card and pay it out of that month’s check so that I can avoid…
  • Friday Finances: October 2014 Week 1

    Lulu
    2 Oct 2014 | 9:41 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $50.94 on gas since I was almost on empty. I filled up the tank to the top but my last trip to the gas station was one month ago so I am not worried about that large amount this month. This week my income was: $Paycheck! As I mentioned before we got a very small raise that allowed me to increase the…
  • Happy First Of The Month!

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

  • Pays to Shop Around…

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

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

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

    funny
    15 Oct 2014 | 3:53 pm
    This morning I get on the phone to an assistant in the gynecologist’s office, to whom I’m trying to explain, for the THIRD time today (not to her, but to two other folks) that because it looks like I’m headed for a mastectomy, a medical oncologist advised me to consult with a plastic surgeon before that comes to pass,  and so I would like a referral to a plastic surgeon who knows what s/he’s doing. She doesn’t quite follow. It’s a complex series of thoughts, after all. So I explain (again) that I need to talk to a plastic surgeon before I get scheduled for…
  • Breast “Cancer” or Not: Another Amazing Adventure in Medical Never-Never Land

    funny
    15 Oct 2014 | 8:24 am
    Okay, so after I had arranged an appointment with the medical oncologist my gynecologist wants me to see for a second opinion about the advisability of further surgical attempts at a successful lumpectomy, Young Dr. Kildare became concerned enough that he unilaterally scheduled an appointment for me with his choice of oncologists. Interesting. I decided to take a chance that I will have to pay for one or both of these worthies out of pocket — surely there’s a limit to what Medicare will cover — just to see what TWO of them would say. Yesterday I spoke with YDK’s guy.
 
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    Lending Club Blog

  • Lending Club Honored with Economist Innovation Award

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

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

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

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

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

  • American Family Budget: One Year Later

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

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

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

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

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

  • Make your own junk food!

    rfindependence
    21 Oct 2014 | 1:28 am
    What if you try to make your own? It will be much healthier, tastier, even cheaper and it is easier than you think.
  • How to establish credit history from scratch

    Moneycation
    18 Oct 2014 | 12:17 pm
    Following these suggestions may help you establish a credit history. Online financial organisations can provide you with other financial products if you feel that your credit history is not up to scratch.
  • How to survive a breakup financially

    rfindependence
    17 Oct 2014 | 5:14 am
    After a few months of ups and downs, BF and I are over. While it has been a little while since we broke up, I needed to be completely over it to announce it to the world.
  • 16 Sneaky Ways to Make Honest Money Offline

    AMABAIE
    16 Oct 2014 | 6:12 am
    There are many legitimate, quick and easy ways to make money without the use of your computer. Here are a few of the many ways to make money offline.
  • Life is how you want to see it

    rfindependence
    16 Oct 2014 | 4:54 am
    Life is how you see it. Even if you are still 5lb overweight, if you imagine yourself at your ideal weight and start acting as such, you will irradiate confidence, attract people to talk to you and get to know you.
 
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    Money Crashers

  • The Real Costs of Back Pain – Treatment & Prevention

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

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

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

    Brian Martucci
    16 Oct 2014 | 11:30 am
    An emerging, highly flexible economic network known as the sharing economy allows people to share resources – such as equipment, services, and skills – with one another, often at significantly lower cost than traditional retail or employment arrangements. You can now get a loan directly from your peers, share the same office space with dozens of […] What Is the Sharing Economy – Example Companies, Definition, Pros & Cons is a post from the Money Crashers personal finance blog.
  • 5 Fitness Exercises You Can Do With a Soccer Ball

    Laura Williams
    15 Oct 2014 | 7:00 am
    According to a 2007 survey by the Federation Internationale de Football Association (FIFA), more than 265 million people worldwide actively compete in soccer each year, solidifying the sport’s position as the most popular sport in the world. But even if you’re not part of the global 4% who partake in the sport, you can still […] 5 Fitness Exercises You Can Do With a Soccer Ball is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Fourteen travel tips for infrequent fliers

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

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

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

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

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

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

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

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

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

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

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

  • Women’s Pay Gap: Playing Devil’s Advocate With The Income Disparity

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

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

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

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

    Ginger
    6 Oct 2014 | 6:40 am
    That empty dark basement you’ve got at home?  It’s a money making machine and I’m here to tell you how to cash out. You may know that buying real estate is a good investment, but what if your home has more money in it than just the market value? The best way to get the most money out of your investment is to maximize its assets – and you may not even have to look further than your staircase. Believe it or not, the basement is a great place to turn for extra income Though many people think to turn their basement into a living room, family room, or play room, there are…
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    The Finance Buff

  • Change Your Cost Basis Method From Average Cost To Specific Identification

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

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

    Harry Sit
    17 Sep 2014 | 7:54 am
    The official announcement for 2015 Social Security COLA will come in October. With two out of three Consumer Price Index monthly numbers required for the calculation, I can estimate what it will come out to be. Inflation was still low so far this year, but it was higher than the previous year. According to the government, the Consumer Price Index for Urban Consumers (CPI-U) in August 2014 was 1.7% higher than the same measure a year ago in August 2013. The annual Social Security cost of living adjustments (COLA) uses a different CPI series, the CPI-W. It’s a similar situation there.
  • Retiring Early: Effect On Social Security Benefits

    Harry Sit
    2 Sep 2014 | 4:49 am
    Social Security has a flat 6.2% tax rate, up to the maximum wages covered by Social Security ($117k in 2014). Social Security benefits bear some positive relationship with your covered wages and the amount of taxes you paid on those wages. The higher your covered wages, and the higher the 6.2% Social Security taxes you paid, the higher your benefits. Social Security calculates benefits using your average earnings over 35 years. If you work less than 35 years, the rest of the years will be filled with zero. Therefore, up to 35 years, the more years you work, the higher your average earnings.
  • Merrill Edge + Bank of America = Free Trades + Free Checking + No ATM Fee

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

  • Bright House Networks Cable Provider Class Action Settlement

    Max Messner
    21 Oct 2014 | 1:35 pm
    If you subscribed to Bright House Networks for residential cable and paid a monthly rental fee for a set-top box from February 2005 through August 19, 2014, you are eligible for a $30 account credit for current customers or a $20 cash payment for former customers. The post Bright House Networks Cable Provider Class Action Settlement appeared first on Maximizing Money.
  • eBay Deals – $100 Toys R Us Gift Card for $85

    Max Messner
    21 Oct 2014 | 12:30 pm
    eBay Deals is offering $100 worth of Gift Cards for Toys R Us for only $85. Check out this $100 Toys R Us Gift Card for $85 for a limited time while supplies last. The post eBay Deals – $100 Toys R Us Gift Card for $85 appeared first on Maximizing Money.
  • Dunkin’ Donuts App Free $5 Gift Card and Medium Beverage

    Max Messner
    21 Oct 2014 | 12:29 pm
    Today only on Tuesday, October 21, 2014, you can get a free $5 gift card and a free medium beverage when you enroll in DD Perks via the Dunkin' mobile app using Promo Code BONUS. The post Dunkin’ Donuts App Free $5 Gift Card and Medium Beverage appeared first on Maximizing Money.
  • Ink Business Cards from Chase up to 70,000 Bonus Points – In Branch

    Max Messner
    21 Oct 2014 | 11:35 am
    The direct online promotion from the Chase website and the referral program offer for the Ink Plus card with 70,000 bonus points is now dead, but you may still be able to find this offer in Chase branches for a limited time. Check out more details on these Chase Ink Business Cards for business credit card solutions and business charge card options from Chase Bank. The post Ink Business Cards from Chase up to 70,000 Bonus Points – In Branch appeared first on Maximizing Money.
  • California Casualty Free $25 Gift Card for Auto Quote in Chat

    Max Messner
    21 Oct 2014 | 11:30 am
    California Casualty is giving away a free $25 gift card when you get an auto quote in their online chat, available in many states. The post California Casualty Free $25 Gift Card for Auto Quote in Chat appeared first on Maximizing Money.
 
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    Abacus Wealth Partners

  • Closing the Philanthropic Divide: What Individuals and Families Want from Their Advisors

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

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

    Susan Olson
    16 Oct 2014 | 2:12 pm
    You’ve heard of the “sandwich generation.” One might say I am in it; however, the name implies I’m getting squished between things. I am beginning to assist my 70-something parents with various tasks and life matters while simultaneously saving for my own retirement and helping my young adult children complete a successful launch. But I’d prefer to enjoy these as opportunities, not to think of them as conflicting stressors, so I’ve been pondering a new metaphor for the role adults play to their family members. You cannot be of service to anyone else unless…
  • Abacus Happy Hour: Whiskey & Wine Tasting

    Brent Kessel
    16 Oct 2014 | 9:55 am
    The Bait: A tasting of the latest and greatest whiskeys and wines The Switch: Learn how to give your charitable giving strategy a makeover Date and Time Wednesday, November 12 5:30 – 7:30 p.m. Location Abacus Wealth Partners 429 Santa Monica Blvd., Suite 500 Santa Monica, CA 90401 After we taste some new whiskeys and wine, we’ll challenge our three panelists—Brent Kessel, Jenn Kenning and Jacqueline Caster—to answer questions such as: Why give? How do you measure the impact of your gifts? Is there finally a way to create impact with your investments without sacrificing returns?
  • Hacking Your Finances: Five Mint.com Problems and Their Solutions

    Neela Bushnell
    9 Oct 2014 | 11:06 am
    I’ve previously written about the benefits of Mint.com, the online tracking tool to organize your finances. While I consider it the best tool available to help people manage their finances online, some of my clients have raised some issues that I would like to address. When you see a credit card payment logged as an expense, you can flag it as a transfer.Click To Tweet - The Biggest Complaints About Mint.com Complaint 1: “I have to manually change too many transactions.” Solution: Create your own rules. If you see transactions show up in the wrong category, you don’t…
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    theBKBlog

  • Free Budgeting Resources to Help You Recover from Bankruptcy

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

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

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

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

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

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
 
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
 
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
 
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
  • add this feed to my.Alltop

  • 'Housewives' star asks judge to alter ruling

    22 Oct 2014 | 3:37 am
    'Housewives' star asks judge to alter rulingGetty Teresa Guidice was sentenced to 15 months in prison after pleading guilty to multiple charges -- but she wants to serve her time elsewhere. 2 alternatives she's petitioned forMore newsSwift discusses public pressureHow 'The Hobbit' created Smaug
  • Wild sight seen over the Golden Gate Bridge

    22 Oct 2014 | 3:37 am
    Wild sight seen over the Golden Gate Bridge Rich SheltonAt a glance, this just looks like an ordinary rush hour pic, but what's just a few hundred feet above the cars makes it beyond extraordinary. Wide view of photo is jaw-droppingMore to seeSatellite photos of 'pumpkin sun'Giant fork turns up in body of water
  • Do you know why we go trick-or-treating?

    22 Oct 2014 | 3:37 am
    Do you know why we go trick-or-treating?GettyWe carve pumpkins and wear costumes -- but most don't know Halloween's unexpected origin. Secrets behind your favorite Halloween activitiesMore to see1956 rock 'n' roll dance contestForgotten animal army in WWI
  • Royals' perfect playoff record on the line in Game 1

    22 Oct 2014 | 3:37 am
    Royals' perfect playoff record on the line in Game 1APKansas City hadn't lost a game this postseason, but the Giants kicked off the 2014 World Series with a first-inning rally.Team that rolled to blowout winRelated contentFull coverage: 2014 Fall ClassicStart times and TV listings
  • More disturbing insight surfaces on Ind. killer

    22 Oct 2014 | 3:37 am
    More disturbing insight surfaces on Ind. killerAPPolice say there were signs years ago of violence against women by Darren Vann, who confessed to slaying seven women in Indiana.Sickening behavior records showMore headlinesFamily, friends remember slain womenFerguson autopsy reveals new details
 
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    Bible Money Matters

  • Unboxing Of The Republic Wireless Motorola Moto X Smartphone

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

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

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

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

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

  • 7 Thoughtful Ways Raise Non-Materialistic Children

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

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

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

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

    Jonathan
    13 Oct 2014 | 9:00 am
    Money flows in and out of your life even if you are not really paying attention to it. You might as well be in the know and tell your money where it should go. Money does not sit idle. Our world is moving too fast. Too many people want to learn how to create a budget before they ever answer some important questions. Your budget has to make sense to you or you are never going to use it. Just because you found some cool spreadsheet online does not mean that you are now good to go. If you do not make it your own, it won’t go anywhere. Here are some questions that you need to ask before you…
 
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    PT Money

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

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

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

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

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

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

  • Quality issues keep dogging Medicare Advantage plans

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

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

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

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

    Mark Miller
    1 Oct 2014 | 5:46 am
    The annual Medicare enrollment period starts on October 15th and ends of December 7th. This is the opportunity for seniors to review their prescription drug or Medicare Advantage coverage, and to select new plans. With dozens of plans available in most parts of the country, Medicare shopping can be a complex chore. Re-shopping your plan annually makes sense — insurance companies often change their offerings year-to-year in ways that can increase drug costs by thousands of dollars, or make it more difficult to get certain drugs. At the same time, your drug needs may have changed since…
 
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    Intelligent Speculator

  • Ultimate Sustainable Dividend Portfolio – October 2014 Update – Tough Market

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

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

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

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

    IS
    18 Sep 2014 | 3:20 am
      As many of you know the Ultimate Sustainable dividend portfolio was built over a year ago as an attempt to slowly become financially free. By that I mean having enough passive income to not “need” to work any longer. I track my progress every month and I’m looking at many different ways to get that done which include real estate, my own business, etc. That being said, the core of my strategy relies on income generated from my portfolios. The USDP, along with my ETF portfolio generate the bulk of my passive income and I decided to track this with a monthly post in…
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    Don't Quit Your Day Job...

  • S&P 500 2014 Performance: Inflation Adjusted and Dividend Reinvested

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

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

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

    PK
    15 Oct 2014 | 7:02 pm
    One situation we’ve been monitoring closely (even before the recent market activity) and has only just started to become a bit dramatic: the rapidly declining inflation expectations among market participants.  One way to follow this measure is to follow the ‘breakevens'; by subtracting real yields on inflation protected securities from treasuries, you can graph the point where the market has converged on inflation expectations. Since June 24th, those expectations have dropped precipitously: The 5-year has dropped .68 percentage points, or ~33% in 3.5 months. We have, of course,…
  • Work Harder, Earn More: 2013 Incomes by Hours Worked

    PK
    13 Oct 2014 | 4:00 am
    “I am a great believer in luck, and I find the harder I work, the more I have of it.” – Thomas Jefferson Back in 2011, we wrote a controversial article with a not-that-startling conclusion: breaking respondents to the 2010 CPS down by income brackets, we found that higher earners averaged many more hours of weekly work. Since we’ve recently been breaking down 2013 CPS data among similar lines, including drawing a cutoff point at full time work (40 hours a week), we decided to revisit that piece with another article… written from the opposite perspective. How Your…
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    Quizzle Wire

  • How to open a custodial investment account for your child

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

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

    Cathy
    20 Oct 2014 | 7:26 am
    A mortgage is a loan that a person takes out to buy a house. The borrower can’t afford to buy the house outright, so he or she borrows the money from a lender, such as a bank, using the house itself as collateral. That means that if the borrower fails to pay off the mortgage, the bank can take ownership of the house and sell it to recoup the loan amount. But what is a reverse mortgage? Consider that in paying off a traditional “forward” mortgage, the borrower builds equity in the house, meaning he or she is increasing the amount of the property he or she owns, while reducing…
  • Do you need disability insurance?

    Miranda Marquit
    19 Oct 2014 | 1:00 pm
    Many of us know that we need to prepare for the possibility that we will die and leave our families without income. We buy life insurance to ensure that they are taken care of. But many of us don’t think about what might happen if we are disabled and can no longer work to provide. Whether it’s a long-term problem or a short-term issue, Daily Finance points out that you need to consider disability insurance. Inability to work can be a financial burden While it’s never pleasant to consider the difficulties related to death or disability, it’s important to face them. Daily Finance points…
  • The Dangers of Co-Signing For a Loan

    Cathy
    19 Oct 2014 | 6:00 am
    What does it mean to “co-sign” for a loan? It basically means you guarantee to pay back the loan if the primary borrower fails to do so. A co-signer on a loan is typically required when the lender is concerned that the primary borrower will not pay back the loan. A common situation is a young adult’s first car purchase – most young adults don’t have the money to pay cash for a car so they need to take out a loan. It’s often their first loan, so the young adult is perceived as a potential default risk because he or she doesn’t have a history of making…
 
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    Get Out of Debt Guy

  • Otto Berges and Consumer Protection Counsel Back in Court Again

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

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

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

    Consumer
    14 Oct 2014 | 7:31 am
    Consumer Statement: This morning my ex-husband called to tell me he had received a call from a “process server” asking for my current address so he could “serve me court papers regarding a debt”. My ex-husband (who I get along very well with and is a PI) refused to give the information. He was then ... The post Coastline Associates / CF Group and Associates –...
  • Nobleton Lending Solution – Consumer Complaint – October 14, 2014

    Consumer
    14 Oct 2014 | 7:18 am
    Consumer Statement: I wired Nobleton Lending Solution two separate money transfers on a proposed loan of 8,000 dollars, and now I can’t contact them no possible way at all. I can’t trace my confirmation numbers back to the senders, by the name of Kenneth Dole, Alex Tanal, I spoke with representatives by the name of ... The post Nobleton Lending Solution – Consumer Complaint...
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    Credit Card Chaser

  • Should You Use Cash For That?

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

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

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

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

    Alice
    10 Sep 2014 | 1:49 pm
    We take for granted that there are stages of our lives we each go through, such as childhood, youth, middle-aged and elderly. So it is with our financial life, which also has, or should have, at least four major stages. Not everyone completes all four, but each of us should be aware of what those stages are, what is required to reach them, and the financial goals we should be pursuing at each stage. Stage One – Survival Most of us have been in this simplest financial stage at some point in our lives. In fact, some people never leave it. For many this is often the beginning stage of…
 
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    Ready To Be Rich » Ready To Be Rich

  • The Amazing Story of the Turtle Traders

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

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

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

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

    Fitz
    8 Oct 2014 | 10:15 am
    A lot of people struggle on being productive. And it’s not simply because they have too many things to do and there’s too little time. All of us gets 24 hours a day and yet, why do some people manage to produce results one after the other, while the rest fumbles and end the day […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 7 Enemies of ProductivityWhich is better, stocks or forex?Learn the difference between the two and discover the winning mindset on how to become a successful stock market and forex trader. Click here for…
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    Cash Flow Planning for Life

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

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

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

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

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

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

  • Suave Family Perks Program

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

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

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

    Lisa Thompson
    13 Oct 2014 | 8:06 am
    Now that the weather has cooled off, we are in hot beverage mode.  My hubs and my 16 year old are drinking lots of coffee, my 19 year old is sipping on her tea, and the twins and I are craving hot chocolate and chai lattes. Our older daughters and my husband and I  each have our own mugs and so the twins have asked for their own mugs. Rather than buy something, I thought I’d take the time to create something fun.  And when I was finished, I realized these would make great gifts this Christmas…especially when filled with hot chocolate mix and Hershey’s kisses! I…
  • Project 38: Update 2

    Lisa Thompson
    10 Oct 2014 | 7:32 am
    It’s been almost 3 months since I turned 38.  Where does the time go?  I’m quite thrilled with the progress I’m making on my goals this year.  I’ve been working out regularly, I’ve lost some weight, and I feel like I’m starting to settle into a routine in our new house!   There are still some areas where I could use progress though.  If you have suggestions of things that have worked for you, please leave me a comment! 1.  Read through my Bible twice 2.  Memorize 38 Bible verses {I’ve memorized 2} 3.  Lose 10 pounds  {WOOHOOOOOOOO!} 4.  Lose…
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    Personal Dividends

  • Can You Really Make Money Following Your Passion?

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

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

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

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

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

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

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

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

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

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

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

  • Mastercard To Launch Thumbprint-Reading Bank Card

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

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

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

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

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

  • October 1 Debt Check

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

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

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

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

    Sandy Smith
    4 Sep 2014 | 10:15 am
    I’m a bit of a social media junkie.  That is to say, my Twitter feed is more alive and buzzing than a bee hive.  My Twitter feed is completely devoted to personal finance so that I can keep on top of new developments within the industry and bring you the latest information possible. I also have one off people in my stream primarily devoted to entrepreneurship because, as you know, I believe that a small business can be the key to financial success.  Anyway, one such individual who I follow is Mark Cuban.  For those of you unfamiliar, Mark is an American businessman and investor…
 
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    Money Reasons

  • Cheap Workout Sunday Report 3

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

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

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

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

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

  • Quickly Test Your Income Idea with This!

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

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

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

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

  • Time Is Running Out For The US Airways Premier MasterCard

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

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

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

    Jason Steele
    13 Oct 2014 | 4:00 am
    Recently, Citi announced that its ThankYou points rewards program would allow select cardholders to transfer points to airline miles with eight different carriers. Those airlines include: Asia Miles EVA Air Etihad Guest Garuda Indonesia Qatar Airways Singapore Airlines Thai Airways Malaysia Airlines In addition, Hilton Hotels was already a transfer partner. What to make of […]
  • Best 0% APR Offers For October

    Jason Steele
    10 Oct 2014 | 4:00 am
    This fall, credit card users should consider a new card with 0% APR promotional financing. These cards offer the ability to make charges without incurring interest rates for as long as 18 months. Cardholders will have to make a minimum payment each month, but interest charges do not accrue, regardless of whether their entire balance is […]
 
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    Credit.com

  • How Fast Can You Get Out of Debt?

    Gerri Detweiler
    21 Oct 2014 | 9:01 pm
    You’ve decided enough is enough and you are going to get out of credit card debt. And you probably want to do it as fast as you can. So how long will it take? Don’t have a clue? That’s not surprising, considering you probably have several cards all with different interest rates and monthly payments. Families with credit card debt carry an average balance of $5,700, according to the 2014 Survey of Consumer Finances. And, of course, that’s often on top of other debts such as auto loans, mortgages or student loans. Paying off this debt means more money to spend on the things you want or…
  • It Might Be Getting Easier to Get a Mortgage With Little Money Down

    Christine DiGangi
    21 Oct 2014 | 9:01 pm
    Melvin Watt, director of the Federal Housing Finance Agency, announced Monday plans to increase mortgage access to borrowers with good credit but limited funds available for a down payment. In a speech at the Mortgage Bankers Association annual convention in Las Vegas, Watt said the FHFA would issue guidelines for making lending to consumers who can afford only 3% to 5% down payments, according to a transcript of his remarks. He mentioned the low-down-payment loans once, saying details are forthcoming, but the idea is part of a broader message to lenders that tight credit restrictions have…
  • The Best Low-Interest Credit Cards in America 2014

    Jason Steele
    21 Oct 2014 | 9:01 pm
    For credit card users who carry a balance from month to month, the interest rate is one of the most important numbers revealed in a card’s terms and conditions. So it only makes sense that finding the credit card with the lowest interest rate is the top priority for many consumers when they apply for a new card. Credit card issuers used to advertise so-called fixed rates, which many cardholders realized were actually subject to change for nearly any reason. When the CARD Act of 2009 became law, credit card issuers were no longer able to market these rates as fixed unless they were…
  • The Surprising Side Effect of Student Loan Forgiveness Programs

    Christine DiGangi
    21 Oct 2014 | 9:01 pm
    As more people learn about and use public service loan forgiveness and income-based repayment plans to make student loan payments more affordable, the U.S. could run into an economic issue. Such loan forgiveness programs incentivize borrowing, according to a recent report from New America Education. The report authors, Jason Delisle and Alexander Holt, analyzed debt and income data of consumers who qualify for public service loan forgiveness and income-based repayment plans enacted in 2010 and 2012. They conclude that under these programs, many graduate and professional school students are…
  • 3 Credit Card Strategies That Could Help You Buy a Home

    Scott Sheldon
    21 Oct 2014 | 9:01 pm
    Your ability to purchase a home with a mortgage depends on how much net income you have after all monthly debts. If your debt payments absorb your income, particularly credit card payments, you may have to put the brakes on the mortgage application. Most homebuyers realize in order to purchase a home they need at least good credit, and that a better credit score means a better chance of qualifying. One of the ways to build and maintain a healthy credit score is the ability to use and manage credit over a period of time. Using three to five credit cards actively, paying them off in full each…
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    The Allstate Blog

  • 10 Situations That Call for an Emergency Fund

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

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

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

    Nicole Markle
    16 Oct 2014 | 4:04 am
    If you’re like many Americans, you’re probably not personally involved in all of your household’s money management. Statistics from Pew Research show that one partner is typically more involved in managing the household’s finances than the other. While splitting responsibilities can make sense, both partners should be involved in important financial decisions, says The New York Times. In the event of an emergency, you may be required to assume full responsibility for household finances, which means it’s important for you and your partner to stay on top of the family’s money…
  • Alternatives to Bagging Your Leaves

    Amy Tyszkiewicz
    16 Oct 2014 | 4:00 am
    As the leaves begin to fall, your love-hate relationship with your rake returns. If you find yourself dreading bagging all those leaves, there’s an alternative disposal method that might be a good solution for you. Fallen leaves shouldn’t be bagged and sent to the trash, according to LocalHarvest. When you throw away fallen leaves, you are also tossing out vital nutrients that your garden, lawn and plants can use. Here are a few tips, provided by LocalHarvest, on how to get more use from those fallen leaves. Get to Know Home Insurance Like a ProProtect what matters most with…
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    Centsible Life

  • Monday Meal Plan: October 20th

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

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

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

    Kelly Whalen
    17 Oct 2014 | 5:00 am
    It’s finally feeling like Fall, time to get the cold weather gear out and make way for the cold weather clothes. That means it’s a great time to donate clothes and accessories that no longer fit or work for you and your family. Block off a few hours to sort through everyone’s clothes, turn on some fun music and follow these tips and in no time you’ll have a clean closet and plenty of room for new Fall clothes. 1. Gather Supplies Collect bags, boxes, bins, or laundry baskets to sort into three piles. Those three categories are donate/sell, store, and clean/repair.
  • Family CFO Interview: Elyse Castillo of Chew Philly Food Tours

    Kelly Whalen
    16 Oct 2014 | 6:00 am
    This entry is part 1 of 12 in the series Family CFO SeriesWelcome to another installment of the Centsible Life Family CFO interview series. This series will share a look behind the scenes at how other families manage their money with useful advice, funny stories, and hopefully we’ll all come out of it a bit more money savvy. Want to be featured as a Family CFO? Simply click over to the  interview form and fill it out. It should only take you about 5-10 minutes. I’d love to feature readers and fellow bloggers alike. If you have suggestions for additional questions I’d…
 
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    The Daily Reckoning

  • In the Year 2024

    James Rickards
    21 Oct 2014 | 2:01 pm
    [Editor's Note from Jim Rickards: The following article describes a fictional dystopia in the spirit of Brave New World or 1984. It is not a firm forecast or prediction in the usual analytic sense. Instead, it's intended to provide warning, and encourage readers to be alert to dangerous trends in society, some of which are already in place. Thank you.] As I awoke this morning, Sunday, Oct. 13, 2024, from restless dreams, I found the insect-sized sensor implanted in my arm was already awake. We call it a “bug.” U.S. citizens have been required to have them since 2022 to access government…
  • Our Ebola Stocks Could Double Overnight

    Paul Mampilly
    21 Oct 2014 | 12:12 pm
    I believe we are in the midst of one of the greatest profit opportunities you’re ever going to see in your lifetime. Stop listening to what the government is telling you. Turn off CNN. Forget what you see on the news. And for God’s sake, forget about the market crashing. Right now, we are in the early innings of the greatest profit opportunities of the 21st century. A biotech boom that’s about to hit epic proportions thanks to Ebola. If I’m right, we are going to see Ebola in New York, Los Angeles, San Francisco and Miami. And when this happens, every single stock that has anything to…
  • Why We Hold Hard Assets II

    Henry Bonner
    21 Oct 2014 | 11:00 am
    Jim Grant is the publisher and editor of Grant’s Interest Rate Observer, a bi-monthly newsletter that he founded in 1983, around the time when bonds were considered some of the worst investments – when they yielded 13 to 15 percent. Rick Rule, Chairman of Sprott US Holdings Inc., often quotes Jim Grant’s description of government bonds as ‘return-free risk.’ (Rick sees US Treasuries as the ‘anti-gold’). Mr. Grant took my questions on interest rates and the bond market – including Bill Gross’ recent departure from PIMCO – via phone from his Manhattan office.     Mr.
  • Housing Bulls Gave Up Here… Big Mistake

    Greg Guenthner
    21 Oct 2014 | 7:48 am
    Another one of Wall Street’s broken forecasts has plopped a new trade in your lap… If you’re listening to the lunatics on the financial news, you’re hearing that there’s no hope for the markets. Just get rid of your stocks and pound sand. Better safe than sorry—none of these talking heads want to get bullish on anything right now because they’re afraid to look like an idiot if the market keeps dropping. For them, selling stocks now is your only chance to make it to the end of the year without pawning the family cat to buy Christmas presents. But the truth is, you’ve been…
  • Why the Fed Will Continue to Print Money in 2015

    James Rickards
    20 Oct 2014 | 1:54 pm
    Editor’s. Note: On Oct. 6, 2014, Jim Rickards was interviewed by Bloomberg TV for his thoughts on gold, currency manipulation and the overall strength of the global economy. You can watch the entire interview by clicking on the video, or read the transcript below… Bloomberg TV: I wonder, Jim, how you… First your reaction to that statement that the economy is stable… at least relatively. Are you encouraged by, for example, the jobs numbers that we saw last week? Jim Rickards: No, not at all. Look… Labor force participation is going down. What Janet Yellen is…
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    Canadian Finance Blog

  • Overview of CPP Disability Benefits: Are You Eligible?

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

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

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

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

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

  • Apple (AAPL) Fourth Quarter Results + Why You Should Buy This Stock

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

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

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

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

    DivGuy
    8 Oct 2014 | 2:00 am
        September wasn’t in perfect harmony with this great year on the market. In fact, it was the opposite; we left the month of September with a sour taste in our mouths… similar to what happened in January.   I don’t know if you recall what happened in January of this year (the human is likely the living being with the largest memory and has an even larger capacity to forget!). After an incredible 2013, investors started to become nervous and greedy. Results were never good enough and everybody started to think the party was ending. It seems we are getting to the same…
 
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    Fiscal Fizzle

  • Thank You

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

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

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

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

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

  • A Not So Simple Lesson About Debt

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

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

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

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

    Moneyproblems Answers
    17 Sep 2014 | 5:00 am
    Debt is a fact of life. While we talk about living debt-free the truth is most people will at some point in their lives carry some form, or several forms, of credit. The trick to keeping your debt under control is to learn to borrow, and repay loans, wisely. Here... Read more The post Simple Advice For Using Loans Smartly appeared first on MoneyProblems.ca.
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    Financial Samurai

  • The Cheapest International City In The World: San Francisco

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

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

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

    Financial Samurai
    13 Oct 2014 | 3:48 am
    Team Photo At The Mission Playground, SF You might have heard about all the Google bus protestors in the Mission District as techies move in and cause rents to rise. Long-time residents are displaced by landlords who want to evict and sell their buildings to buyers who turn around and rent the same units for market prices. Multi-unit buildings are under rent control, which allows for rents to rise by no more than a small percentage a year, usually under 2%. On the one hand, the landlord should be able to sell their building and maximize profits if they so choose. On the other hand, how do we…
 
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    Automatic Finances

  • Simple: Why It’s Incredibly Hard to be a Banking Startup

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

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

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

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

    Jason Unger
    30 Sep 2014 | 7:32 am
    The fine folks over at Mint.com, probably the most popular account aggregator online, reached out to me a few weeks back about sharing the process and thoughts behind automating your finances. Obviously, I was happy to share. They had a handful of questions to ask, including: What’s the advantage in automating your finances? Just how far can we automate the day-to-day stuff? Can we configure it so it’s more or less done automatically? What tools do you use to automate your finances? What alerts should you figure for any sort of finance automation? Is there anything that really…
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    Personal Finance Blog

  • Here’s How The Money Goes!

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

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

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

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

    Sherry Tingley
    17 Oct 2014 | 4:46 am
    Unemployment figures are lower than they have been, but do they mean?You hear all kinds of things: Either the job market is looking rosy after the devastation of the recession, or things are still rocky. What should you believe? Although there are indications of steady hiring and falling unemployment, experts are still baffled by some of the relevant data. At the core of the debate is whether the current 6.1 percent unemployment figure, while it is far below the 10 percent rate registered at the beginning of the recession, really give a true picture, or does it overstate the improvement? The…
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    Unbiased financial advice from fee-only financial planners

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

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

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

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

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

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

  • Republic Wireless Motorola E Giveaway! (x2)

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

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

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

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

    J. Money
    13 Oct 2014 | 2:02 am
    The average life of a personal finance blog is pretty small in the grand scheme of things. Most bloggers can make it past the first two months without burning out/giving up, but many will stop way before they hit their first anniversary. Then you have the hustlers that make it to years 2 and 3 and even 4, putting them in the top 5% of all bloggers, and anyone who makes it past year 5 is just a total bad-ass when it comes down to it (ah thank you). After bad-assity there’s just one last level – granddaddy’hood. The bloggers who have been sharing their thoughts for almost a…
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    Smart On Money

  • 3 Signs You Need Help with Your Debt

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

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

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

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

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

  • The Ultimate Guide To Sharing Your Passion

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

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

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

    Kevin
    18 Oct 2014 | 11:29 am
    It used to be that brands were the province of large, established companies and organisations, a hard to grasp concept that had something to do with their logo design and business ethos. Nowadays, most start-ups, SMEs and cottage industries are aware of the need for a brand strategy that creates a lasting impression. What is a brand? It’s not just your logo, though that forms a part of your branding. Your brand is everything that your company stands for. When people see your name or logo they think of X, Y or Z. For instance, everyone knows the MacDonald’s logo but what does it stand for?
 
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    Couple Money

  • How to Talk About Money Without Starting a Fight

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

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

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

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

    Elle Martinez
    2 Oct 2014 | 3:00 pm
    Yesterday, I got some great news during lunch – Couple Money Podcast is now available on iTunes and Stitcher!  Having the show up makes it easier to subscribe and stay up to date on the latest episodes. You can find it by searching for our name or checking us out in either the investing or family sections. Subscribe on iTunes: Simply click on this link and you’ll be taken to Couple Money’s page where you can subscribe. Subscribe on Stitcher: Please click here so you can catch all episodes. Love to Have Your Support If you reading this and enjoyed the podcast, could you please…
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    Beating Broke

  • 5 Ways to Have a Frugal Halloween

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

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

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

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

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

  • Greek Stock Market Loses 9% on Wednesday

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

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

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

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

    MichaelHaltman
    8 Oct 2014 | 2:02 pm
    Wireless charging stations have been around for a while. By placing your phone on an alternating current mat with a special adapter, you can get a fully charged device without the need of wires. Some phones have even started coming out with built in wireless adapters, but the phone is still stuck on a mat for the duration of the charge. At this year’s All Things Digital Science Fair, uBeam unveiled its new mat-free remote charger. After spending three years in production, the new prototype has the ability to charge a device from up to two feet away. It does this by turning ultrasound,…
 
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    The Economic Peephole

  • Greek Stock Market Loses 9% on Wednesday

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

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

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

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

    MichaelHaltman
    8 Oct 2014 | 2:02 pm
    Wireless charging stations have been around for a while. By placing your phone on an alternating current mat with a special adapter, you can get a fully charged device without the need of wires. Some... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Compare Australian Credit Cards and Offers

  • Bankwest Qantas World MasterCard – Rates and Fees

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

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

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

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

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

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

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

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

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

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

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

  • Tracking Ole Andreas Halvorsen's Viking Global Portfolio - Q2 2014 Update

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

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

    ks
    13 Oct 2014 | 1:15 am
    Below is a spreadsheet that highlights the changes to Dan Loeb's Third Point Portfolio this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To know more about Dan Loeb's Third Point, check-out his letters to shareholders at their site. His activist investing style that is epitomized by scathing letters to CEOs is covered in "Chapter 7: The Poison Pen: Dan [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking David Tepper's Appaloosa Management Portfolio - Q2 2014 Update

    ks
    13 Oct 2014 | 1:08 am
    Below is a spreadsheet that highlights David Tepper's Appaloosa Management Portfolio moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To know more about Tepper's distress investing style, check out Distress Investing: Principles and Technique. To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Carl Icahn's Holdings - Q2 2014 Update

    ks
    13 Oct 2014 | 1:01 am
    Below is a spreadsheet that highlights Carl Icahn's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Cash The Checks

  • 4 Ways To Save On Homeowners Insurance

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

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

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

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

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

  • Coca-Cola Machine 1957 Vendo Coke Appraisal

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

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

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

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

    walt kolenda
    18 Aug 2014 | 5:08 am
    Elle asks: We inherited this crystal chandelier with our house.  The previous owner had great (expensive) taste, i.e. 100% wool carpets, so hoping it might be worth something. I’m trying to sell ASAP to help pay for a surprise garage remodel for my hubby. So please appraise this crystal chandelier Thank you! Elle AW says: Your husband is a lucky man to have such a thoughtful wife! That’s a beautiful 20th century, contemporary crystal chandelier. It has metal arms that appear to be of brush nickel, brush pewter. In your email you mentioned that it was a “custom”…
 
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    Financial Highway

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

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

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

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

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

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

  • How Fast Can You Get Out of Debt?

    Gerri Detweiler
    21 Oct 2014 | 9:01 pm
    You’ve decided enough is enough and you are going to get out of credit card debt. And you probably want to do it as fast as you can. So how long will it take? Don’t have a clue? That’s not surprising, considering you probably have several cards all with different interest rates and monthly payments. Families with credit card debt carry an average balance of $5,700, according to the 2014 Survey of Consumer Finances. And, of course, that’s often on top of other debts such as auto loans, mortgages or student loans. Paying off this debt means more money to spend on the things you want or…
  • It Might Be Getting Easier to Get a Mortgage With Little Money Down

    Christine DiGangi
    21 Oct 2014 | 9:01 pm
    Melvin Watt, director of the Federal Housing Finance Agency, announced Monday plans to increase mortgage access to borrowers with good credit but limited funds available for a down payment. In a speech at the Mortgage Bankers Association annual convention in Las Vegas, Watt said the FHFA would issue guidelines for making lending to consumers who can afford only 3% to 5% down payments, according to a transcript of his remarks. He mentioned the low-down-payment loans once, saying details are forthcoming, but the idea is part of a broader message to lenders that tight credit restrictions have…
  • The Best Low-Interest Credit Cards in America 2014

    Jason Steele
    21 Oct 2014 | 9:01 pm
    For credit card users who carry a balance from month to month, the interest rate is one of the most important numbers revealed in a card’s terms and conditions. So it only makes sense that finding the credit card with the lowest interest rate is the top priority for many consumers when they apply for a new card. Credit card issuers used to advertise so-called fixed rates, which many cardholders realized were actually subject to change for nearly any reason. When the CARD Act of 2009 became law, credit card issuers were no longer able to market these rates as fixed unless they were…
  • The Surprising Side Effect of Student Loan Forgiveness Programs

    Christine DiGangi
    21 Oct 2014 | 9:01 pm
    As more people learn about and use public service loan forgiveness and income-based repayment plans to make student loan payments more affordable, the U.S. could run into an economic issue. Such loan forgiveness programs incentivize borrowing, according to a recent report from New America Education. The report authors, Jason Delisle and Alexander Holt, analyzed debt and income data of consumers who qualify for public service loan forgiveness and income-based repayment plans enacted in 2010 and 2012. They conclude that under these programs, many graduate and professional school students are…
  • 3 Credit Card Strategies That Could Help You Buy a Home

    Scott Sheldon
    21 Oct 2014 | 9:01 pm
    Your ability to purchase a home with a mortgage depends on how much net income you have after all monthly debts. If your debt payments absorb your income, particularly credit card payments, you may have to put the brakes on the mortgage application. Most homebuyers realize in order to purchase a home they need at least good credit, and that a better credit score means a better chance of qualifying. One of the ways to build and maintain a healthy credit score is the ability to use and manage credit over a period of time. Using three to five credit cards actively, paying them off in full each…
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    StepChange MoneyAware

  • Have you bought anything from a rent-to-own store?

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

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

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

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

    James
    14 Oct 2014 | 1:27 am
    Follow our purrrfect sleep tips Not sleeping isn’t much fun. You spend all day feeling weary and longing for that moment when your head hits the pillow and then suddenly – POW! – you’re wide awake and your mind is running over all those pointless thoughts you could have been having hours earlier. As part of our Need to Sleep campaign, we’ve been thinking about ways to cope with sleep problems. There’s lots of advice available on the internet to help you get to sleep but much of it is either common sense or based on questionable research. After trawling through dozens of…
 
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    Free Money Wisdom

  • How to Build An Empire From a Smart Phone

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

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

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

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

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

  • Is the Purpose of a Pension Changing?

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

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

    Karen Bryan
    17 Oct 2014 | 11:20 pm
    Signup for free umoneybook account Free web based software to analyze and boost your finances The My Money Podcast #96 covers the recent articles below. listen to ‘My Money Podcast #96’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Nationwide Drops Rate of Loyalty Saver -  The rate […]My Money Podcast #96How to save money. Copyrighted content published on Help Me To Save.
  • Check Your Travel Insurance If You’re Flying with Non-EU Airline Outside the EU

    Karen Bryan
    15 Oct 2014 | 11:47 pm
    Signup for free umoneybook account Free web based software to analyze and boost your finances As the vast majority of my air travel has been within Europe, I’ve been covered by EC 261/2004 duty of care regulation. This legislation means that an airline departing from an EU airport or any EU based airline has to […]Check Your Travel Insurance If You’re Flying with Non-EU Airline Outside the EUHow to save money. Copyrighted content published on Help Me To Save.
  • Has The Government’s FLS Scheme Really Made Borrowing from Banks & Building Societies Easier?

    Karen Bryan
    12 Oct 2014 | 11:54 pm
    Two years since it was first introduced, it’s about time that someone looked at whether or not the Bank of England’s Funding for Lending (FLS) Scheme has succeeded in trying to make personal loans from building societies and banks a more viable option for the average householder. What is the FLS? For anyone that was […]Has The Government’s FLS Scheme Really Made Borrowing from Banks & Building Societies Easier?How to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • 5 Steps for Starting a Successful LLC

    Claire Davidson
    21 Oct 2014 | 3:17 pm
    Starting a business is the American dream—but figuring out where to begin can be a nightmare. If you’ve decided that a limited liability company, or LLC, offers the best liability protections and tax advantages for your business, there’s good news: the journey from planning to grand opening is relatively simple. Here’s how to start an LLC: 1. Assess the cost. Before you start your LLC, get familiar with the costs and requirements of starting one in your area. “Most people are surprised that there are normally formation and annual fees and taxes due at the state level,” says J.
  • Best Credit Cards to Take to the World Series

    Erin El Issa
    21 Oct 2014 | 12:14 pm
    If you’re headed to Kansas City or San Francisco for a World Series game or two, you’ll want to be prepared. Along with your lucky baseball cap and T-shirts in your favorite team’s colors, you should pack the best credit card for the trip. Here are a few of our favorite credit cards with rewards that really knock it out of the park! Best for the laidback traveler: Barclaycard Arrival Plus™ World Elite MasterCard® If you’re hopping on a plane to cheer on your favorite team, the Barclaycard Arrival Plus™ World Elite MasterCard® is the best choice for…
  • Don’t Let Credit Card FOMO Get the Best of You

    Erin El Issa
    21 Oct 2014 | 10:11 am
    Those darn millennials and their many acronyms — what the heck does “FOMO” mean? FOMO is “fear of missing out” or the feeling that by passing up an opportunity, you’ll miss out on something great. This can apply to parties, trips, job opportunities or even meals. But it can also apply to a really awesome credit card. If you’re currently suffering from FOMO and coveting your BFF’s new credit card, take a step back and ask yourself these three questions before saying “YOLO” and applying for a shiny new piece of plastic. 1. Does this card meet my needs? It’s really easy to…
  • How Is My Credit Utilization Ratio Calculated?

    Lindsay Konsko
    21 Oct 2014 | 9:53 am
    Let’s face it: Credit card terminology is confusing. Even when you’re pretty sure you’ve got a handle on the meaning of a word or phrase, there’s a good chance an extra layer of complexity is hiding in there somewhere. For instance, you’re probably familiar with the meaning of “credit utilization ratio,” but did you know that there are actually two ways to calculate it? If not, take a look at the details below – there’s a little bit of nuance involved, but the Nerds are happy to explain. Why your credit utilization ratio matters As a reminder, your credit utilization ratio…
  • Cities on the Rise in New Hampshire

    Kamran Rosen
    20 Oct 2014 | 1:26 pm
    New Hampshire is a small place that means big business. Even though it’s the fourth smallest state in the country, New Hampshire boasts a surprisingly robust economy. The unemployment rate is low (the eighth lowest in the nation at 4.4%), and the state is enjoying a 5.4% bump in private sector jobs — largely due to growth in professional and business services — after the national low point in February 2010. But how is that success story translating to everyday life in New Hampshire? NerdWallet’s analysis To find the cities and communities that are growing the fastest and why,…
 
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    Card Hub

  • All You Need to Know About Apple Pay

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

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

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

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

    Debra Wei
    8 Oct 2014 | 3:51 pm
    No one enjoys rejection – especially from banks. It’s pretty frustrating to be informed that you are not eligible for the credit card you’ve been waiting for. The reasons are endless; they tell you it’s because of your recent delinquency, or maybe, it’s because you have too many active accounts open. Regardless, it is important to know that you can get your credit card application reassessed and it is often worth a shot – after all, you have nothing to lose. Doing so is often known as a credit card reconsideration, meaning that you reengage with the same issuer to politely…
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    Forex Research Blog

  • AUDUSD: Faces Consolidation Risk

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

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

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

    FXTechstrategy Team
    18 Oct 2014 | 6:19 am
    USDCHF: Outlook for the pair continues to point lower following its bearish price extension the past week. On the downside, support lies at the 0.9350 level with a break targeting the 0.9300 level and then the 0.9250 level. Further down, support comes in at the 0.9200 level. A cut through here will target the 0.9150 level. On the upside, resistance resides at the 0.9450 level where a break will aim at the 0.9500 level. Further out, resistance resides at the 0.9550 level. A breather may occur here and turn the pair lower. All in all, the pair remains biased to the downside on correction…
  • EURJPY: Targets Further Bullishness

    FXTechstrategy Team
    17 Oct 2014 | 5:57 am
    EURJPY- Having reversed its intra day weakness to close higher on a rejection candle formation on Thursday, further recovery higher is likely. Support comes in at the 135.50 level where a break will aim at the 135.00 level. A break will target the 134.50 level with a breach turning focus to the 134.00 level. Below here will aim at the 133.50 level. On the upside, resistance resides at the 136.50 level where a break if seen will threaten further upside towards the 137.00. Further out, resistance resides at the 137.50 level where a break will aim at the 138.00. All in all, the cross faces…
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    CreditDonkey

  • 7 Credit Card Mistakes Even the Rich Make

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

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

    19 Oct 2014 | 12:00 am
    Why do we constantly overspend? Read on to learn how retailers are plotting to outwit us.
  • Citi ThankYou Premier Review

    17 Oct 2014 | 12:00 am
    If you’re looking for an all-purpose rewards credit card that offers a mix of travel perks and a generous promotional bonus, the Citi ThankYou Premier card deserves a close look. This card offers triple reward points for dining and entertainment, double reward points for airfare and hotels, and a long list of travel protections. Read on to see if the card is worth the $125 annual fee (waived for the first year).
  • Study: Best Place to Buy a TV

    15 Oct 2014 | 12:00 am
    You can buy a TV just about anywhere these days, but not all retailers are created equal. When you’re in the market for a new television, you want to get the best deal you can on this pricey purchase. So you need to think not only about what model you’ll buy but where you’ll buy it from.
 
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    Rhonda Sherwood

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

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

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

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

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

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

  • Eliminating Checking and Savings Account Debt in Bankruptcy

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

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

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

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

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

  • A Fun Work-From-Home Job: Write Letters to Members of Congress

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

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

    Steve Gillman
    20 Oct 2014 | 10:00 am
    Do you think you’re pretty clear-headed about money matters? Unfortunately, research suggests that your financial decisions are not nearly as rational as you think. In fact, you are probably a victim of your own “mental accounting.” Behavioral economists devise experiments to see how we actually make our financial decisions. In a previous post on subliminal sales techniques, we looked at a few of the tricky ways companies apply the results of this research to influence you. Now, we’ll look at what science says about one of the ways you trick yourself into bad…
  • Like Being Big Spoon? This Woman Earns $60 an Hour Cuddling With Strangers

    Renee Knight
    20 Oct 2014 | 3:00 am
    This post is part of our series on Weird Jobs. Check out the other articles to learn about more weird jobs you could try! A normal workday for Samantha Hess includes spooning, holding hands and snuggling with people she barely knows. And she gets paid $60 an hour to do it. This Portland-based entrepreneur started her business, Cuddle Up to Me, a little more than a year ago and has not only managed to build a steady client base, she’s become a bit of a worldwide sensation. The 30-year-old has been interviewed for print, radio and television media outlets across the country and globe,…
  • How to Get On a Gameshow (18 Shows Looking for Contestants)

    Kyle Taylor
    18 Oct 2014 | 6:00 am
    Participating in a game show is an easy and fun way to make extra money. Some game shows are tougher to get on than others, but by registering for all of them, you can significantly increase your chances of becoming a contestant. For that reason, we’ve put together a list of 18 of the most popular game shows and how you can audition for each one… 1. Jeopardy! How to Audition: The first step to getting on Jeopardy is to take the online test. Tests are only held on certain dates and upcoming tests are announced on the show and on their website, Jeopardy.com. Online tests are offered…
 
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    Learn Financial Education

  • How to Invest in ETF in the Philippines

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

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

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

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

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

  • Is Making a Firearm in Your Home Legal?

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

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

    Justin Kelsey
    7 Aug 2014 | 7:20 am
    There are many good reasons why you may want to cosign a loan.  Some typical examples include helping a child obtain their college education by co-signing student loans, or assisting your spouse in purchasing a car. With any good idea, however, a small difference in the situation can make it a very bad idea.Many people are unaware of the consequences of cosigning a loan, and in many many instances cosigning may be a very bad idea.  Take just the two examples described above:  If your child is unable to find a job after college and therefore unable to pay their student loan,…
  • Owning an SBR - Part 1: Finding the right SBR for me.

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

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

  • Private Student Loans And Bankruptcy In A Cosigned World

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

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

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

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

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

  • Ebola, The Stock Market, And An Update To Those Trend Lines…

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

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

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

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

    John Rothe
    18 Sep 2014 | 6:52 am
      To watch this video on YouTube click here   Why Worry Now About Bond Funds? Since the early 1980’s, interest rates have been on the decline and are now at historic lows. However, some investors are worried that we may be on the verge of a reversal in trend as the US Federal Reserve (aka the Fed) continues its program of tapering the Fed’s purchase of US Treasury bonds. (Remember: the Fed controls short term rates, while the market controls long term rates.) While retirees typically use bonds as a fixed income source, most investors use bonds as part of an asset…
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    Thirty Six Months

  • You should always seek value  

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

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

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

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

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

  • You should always seek value  

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

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

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

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

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

  • How The Citi Double Cash Card Changes The Game

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

    Chris Mettler
    17 Oct 2014 | 8:41 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for October 11-17, 2014. The CFPB Proposes Rules on Prepaid Debit Cards The U.S. Consumer Financial Protection Bureau has begun to address prepaid debit card rules. The prepaid debit card industry has nearly doubled since 2010, and shows no sign of slowing down…
  • Apple Pay Is Not About Technology, It’s About Popularity

    Jason Steele
    13 Oct 2014 | 10:53 am
    With a flair for the dramatic, Apple loves to introduce new products each fall at their headquarters. Whether it was the late Steve Jobs, or its current head Tim Cook, their single-syllabled CEOs are sure to generate front page news with whatever products they announce. This year much of the buzz from Apple’s event surrounded the announcement of Apple Pay. What is Apple Pay When Apple Pay goes live, it will be a way to use an iPhone (and later its Apple Watch) to wirelessly authorize in-store purchases to the user’s credit cards. Apple pay is a system built into the new…
  • Credit Cards in the News: October 4-10, 2014

    Chris Mettler
    10 Oct 2014 | 8:23 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for October 4-10, 2014. Plastc is the Newest Release in Programmable Credit Cards The newest digital credit card has been revealed. Plastc comes ready with chip and PIN technology as well as the ability to be used by swiping, tapping, scanning and waving. Neither…
  • Credit Card Interest -A game of strategy, not chance

    Bethany Carlson
    9 Oct 2014 | 1:04 pm
    Understanding Credit Card Interest The Consumer Financial Protection Bureau (CFPB) collected 30,000 complaints last year with many of them related to credit cards and debt complaints. With the average interest rate for credit cards currently at 15%, it’s more important than ever to understand how interest rate is calculated and how to avoid over-paying in interest charges. Our newest infographic, Understanding Credit Card Interest, explains how people can save money by simply having a better understanding of how their credit card interest is calculated. We see interest as a game of…
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    Feeds : dailyworth

  • What Do Millionaires Know That We Don’t?

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

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

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

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

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

  • Tips To Recover From Identity Theft

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

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

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

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

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

  • USD-CAD Analysis (21 October 2014)

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

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

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

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

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

  • Pros and cons of putting your money into collectibles

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

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

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

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

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

  • Beware of “Sleeper” Subscription and Service Fees

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

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

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

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

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

  • Best Practices For Buyers Acquiring A Financial Advisory Firm In A Seller’s Market

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

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

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

    Michael Kitces
    13 Oct 2014 | 4:01 am
    The essence of a unique value proposition is to answer the consumer question “what is it the value that you offer, and why should I buy it from you?” In other words, what is it that you uniquely do that can’t be gotten anywhere else, unless doing business with you? In an increasingly competitive advisory firm environment, having a clearly defined unique (and compelling!) value proposition is essential to getting clients to do business with you and not someone else. Yet in a recent new study on advisor value propositions, Pershing Advisor Solutions finds that in reality, most advisor…
  • Weekend Reading for Financial Planners (Oct 11-12)

    Michael Kitces
    10 Oct 2014 | 11:01 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the latest in the ongoing saga of the CFP Board's compensation disclosure woes; the latest news is that another CFP certificant was accused of violating the fee-only rules by also owning an insurance company, but has avoided a CFP Board investigation by dropping his CFP marks, "resolving" the issue but raising questions about how this was even possible (as it violates the CFP Board's own Terms of Service to drop the CFP marks with a pending disciplinary issue) and…
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    Epic Finances - Investment Blog

  • Stock Investing Myths and Truths Part 4 of 4

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

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

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

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

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

  • Trigger Warning: Life

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

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

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

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

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

  • Make your own junk food!

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

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

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

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

    Pauline
    6 Oct 2014 | 11:05 pm
    I own a property in the UK that I bought alone a few years ago. Even though I had a boyfriend at the time, he had no interest in co-signing and I didn’t have much interest in getting him on board. Not that I didn’t love him at the time, but I knew it was not a property that would be good for us as a couple, as we had no long term plans in that city and I was buying something to hold for the long term. For as much as I wanted a comfy place to call home for the near future, I also bought it thinking about its rental potential once I moved away, because I knew I would. It worked out great,…
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    I Need Money

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

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

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

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

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

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

  • Announcing the New and Improved Zoho Docs for Android

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

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

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

    Harish
    15 Oct 2014 | 7:17 am
    Why is calculating the right sales tax crucial? Firstyou may be subject to penalties for collecting and reporting incorrect sales tax. Secondly, inaccurate financials makes your business susceptible to audit. You learn a few tax rates and believe you are doing the calculation properly. Just when you think you’ve got the hang of it, state and local government agencies change rates, AGAIN! Talk about frustration There are more than 10,000 taxing jurisdictions in the U.S. It is literally impossible to remember all therespective tax rates, not to mention keeping up with the constant…
  • Sales Pipeline Optimization through Stage History Analysis

    S B Saravana Bharathi
    15 Oct 2014 | 12:36 am
    “Study the past to define the future,” said Confucius. Businesses that fail are typically those that repeat mistakes made in the past. Historical analysis helps companies to avoid such failures. In the context of CRM, the analysis of sales stage history is essential for a multitude of key business decisions. A sales stage history gives you the number of potentials (opportunities) in each stage for a particular time period. Stage history analysis reports are now available in the advanced analytics add-on for Zoho CRM. Let us see how this can help you gain useful business insights.
 
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    Cult Of Money

  • The 5 Dumbest Ways I’ve Wasted Money

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

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

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

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

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

  • Google Inc. (GOOGL) Strikes $542 Million Deal with Magic Leap

    Kaitlin Longmire
    21 Oct 2014 | 12:37 pm
    Google Inc. and some other firms have invested $542 million in a discreet company for visual-display called Magic Leap Inc. which is located somewhere near Miami. The company is working on building a special device much like eye-glass, which will be able to project images that are generated through computer on real-life surroundings. Although Google […]The post Google Inc. (GOOGL) Strikes $542 Million Deal with Magic Leap appeared first on PFhub - Business, Financial & Economic News.
  • Apple Inc. (AAPL) Shaking Things Up or Just Anxious

    Kaitlin Longmire
    21 Oct 2014 | 12:29 pm
    The retail sale of Apple Inc. (NASDAQ:AAPL) in 2014 grew a mere 6% to $21.5 billion and the last year’s growth was just 7%. This growth is nothing compared to the huge growth Apple had seen in prior years. In 2012 the company saw a growth by 33%, in 2011 44% and in 2010 47% […]The post Apple Inc. (AAPL) Shaking Things Up or Just Anxious appeared first on PFhub - Business, Financial & Economic News.
  • What is Apple Pay and How Can You Use It

    Kaitlin Longmire
    21 Oct 2014 | 9:13 am
    Apple Inc. (NASDAQ:AAPL) has launched it’s Apple Pay mobile payment system for over 10 million iPhone 6 and iPhone 6 Plus users in the U.S. The new mobile payment system will come as an upgrade on the new iPhones and iPads (Mini 3 as well as Air 2); however the tablets will only be able […]The post What is Apple Pay and How Can You Use It appeared first on PFhub - Business, Financial & Economic News.
  • U.S. Companies Optimistic About the Economy

    Andrew Moran
    21 Oct 2014 | 8:55 am
    When was the last time you received a raise, or at least a cost of living adjustment? If it’s been some time since you’ve noticed an increase in your wages then you may have to wait a little bit longer. A new study by the National Association of Business Entrepreneurs (NABE) found that United States […]The post U.S. Companies Optimistic About the Economy appeared first on PFhub - Business, Financial & Economic News.
  • McDonald’s & Coca-Cola Sales Tumble in Third Quarter

    Andrew Moran
    21 Oct 2014 | 8:30 am
    A plethora of third-quarter earnings are being released this week. As some companies have helped the Dow Jones erase last week’s losses with their Q3 earnings, some big corporations are tumbling in sales. McDonald’s The global fast-food juggernaut McDonald’s (NYSE:MCD) reported a net income decline of 30 percent from $1.52 billion to $1.07 billion. McDonald’s […]The post McDonald’s & Coca-Cola Sales Tumble in Third Quarter appeared first on PFhub - Business, Financial & Economic News.
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    Finance and Money Savings Tips

  • Are Home Equity Loans Favorable Options Versus Signature or Personal Loans

    25 Sep 2014 | 9:52 am
    Will a Home Equity loan or a personal loan work better for you If you are short on cash there are a couple of ways you can look into to get some into your pocket. If you have good credit you could apply for a personal loan and borrow against your good credit history and reliability. If you are a homeowner and have some equity built up in your home you could borrow against that in a couple of different way. You could apply for either a home equity loan or a home equity line of credit. A couple of important features that might determine the way you want to borrow your money might be whether the…
  • Tips For Students Heading To College This Fall To Find The Right Credit Card Offer

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

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

  • Are You Sure Your Life Insurance Beneficiary Designations Are Set Up Properly?

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

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

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

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

    Mike Collins
    6 Oct 2014 | 5:04 am
    The other day I was bouncing around the interwebs and I stumbled onto an old Dave Ramsey article that lists ten things Americans waste money on.  For the most part, I agree with his thinking but there are a few items that I don’t agree with. Below I’ve listed Ramsey’s ten money-wasters along with some thoughts of my own. Credit Card Interest. Well I certainly can’t argue with this one!  Using credit cards for convenience and to earn rewards is a smart move, but only if you pay the full balance every month. Deal Websites. I assume Ramsey means sites like Groupon…
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    Bank On Yourself

  • End Your Biggest Money Worries in 90 Days

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

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

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

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

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

  • Not Quite Investments: Binary Options Are Purely A Gamble

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

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

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

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

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

  • 5 reasons I’ll always take the bus

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

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

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

    Kristina
    16 Oct 2014 | 2:00 am
    Good morning Dinks.  This past week one of my colleagues offered to buy me coffee during our break.  Normally I enjoy accepting free Starbucks but there was something about the way he offered that really offended me.  I asked him why he always has the need to pay for things when he’s around me, even if I offer to pay.  I guessed it was one of three things, one: we haven’t known each other long enough for him to be comfortable accepting coffee from me, two: he doesn’t accept gifts from women or three: he feels I can’t afford to buy us both Starbucks. Have a good…
  • The unknown makes me uneasy

    Kristina
    15 Oct 2014 | 2:01 am
    Good morning Dinks.  As you know in a mere three months my company will be out of business because we were sold to one of our competitors.  The new company promised to keep as many jobs as they can and their plan is to keep them in our city.  However at the same time they told everyone the details of the severance package if applicable.  This leads me to believe that not all jobs will be kept.  Maybe come January I won’t have a job (although I hope that’s not the case), maybe the new employer will keep my current job as is in my city or maybe they will offer me a different…
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    Wallet Hub

  • The 110th World Series By The Numbers

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

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

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

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

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

  • How Universities Gamble With Their Students Money

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

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

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

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

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

  • 5 Reasons Why Frugal Living Leads to Winning with Money

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

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

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

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

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

  • Five Things to Consider Before Taking Out a Guarantor Loan

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

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

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

    Adam
    16 Oct 2014 | 6:15 am
    For the last six months or so I have been working on my first novel, a personal finance thriller entitled Cream City Hustle. While there are financial thrillers out there, it is a fairly small genre. I’m not even certain that a would be sub-genre, personal finance thrillers, has any entrants. If so, it has to be a minute number. While I enjoy running my blog, RetirementSavvy.net, I was looking for a different way to be more creative and communicate with those interested in personal finance; something different from the blog or my first book, RENDEZVOUS WITH RETIREMENT: A Guide to…
  • Principles and Guidelines for a Small Business

    Adam
    15 Oct 2014 | 6:15 am
    The Generally Accepted Accounting Principles are a number of rules and guidelines that accountants follow in the preparations of financial statements and record a summary of transactions. GVK Group uses these GAAP rules in all its transactions, which allow them to achieve consistency in reporting records of all its transactions. According to a reputable Vancouver accounting firm – there are five major principles that apply to managerial and financial accounting at GVK Group as discussed below. Accounting Entity: The accountant has to keep all the company’s operations of a business…
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    Save Invest Give

  • Times Like These

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

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

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

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

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

  • Four Ways to Simplify Your Money Management

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

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

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

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

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

  • As World Series Begins, How Much Will Payrolls Matter?

    NerdWallet
    21 Oct 2014 | 5:30 pm
    The World Series begins Tuesday night, and the story going in is the revival of the Kansas City Royals. A franchise that had not been to baseball’s postseason for 29 years swept through the first two rounds, and are just four wins away from ending a long drought. Meanwhile, their opponents, the San Francisco Giants, are going for their third championship in six years. The Royals are here for several reasons: They developed young talent through their minor league system, made a few shrewd personnel moves and have a bullpen that can effectively end games after six innings. They also…
  • Social Lending Circles Help Subprime Consumers Build Credit

    Teddy Nykiel
    21 Oct 2014 | 8:57 am
    Two years ago, Javiar Giron went bankrupt. The 46-year-old father of three had been doing fine since he came to the U.S. in 1985: He learned English on the street, bought a house and managed a carpet business. He began buying and selling, or “flipping,” houses on the side, but that tanked with the housing market and he lost two of his properties to banks. Giron is emerging from the financial hole he spiraled into by participating in a lending circle – a form of peer-to-peer finance – as a way to save money with a no-interest, no-fee microloan and to build up credit. Participants in…
  • Apple Pay Launches Today, But Will It Work With Your Card?

    John Stephens
    20 Oct 2014 | 11:16 am
    Apple’s much-anticipated mobile payment system, Apple Pay, officially launched Monday, Oct. 20, allowing millions of iPhone 6 and iPhone 6+  users to make point-of-sale purchases using their devices. Unlike other mobile wallet systems, such as PayPal and Google Wallet, Apple Pay incorporates users’ existing credit and debit cards, allowing users to virtually switch between cards prior to making a purchase. Will my card work with Apple Pay? Some credit and debit card issuers have been touting capability to their cardholders. Prior to launch, Apple struck deals with Visa,…
  • World Series: 8 Ways Bud Selig Changed Baseball

    Tony Armstrong
    20 Oct 2014 | 9:56 am
    With all the fanfare surrounding New York Yankee Derek Jeter’s final season in the big leagues, relatively little has been made of Major League Baseball Commissioner Bud Selig’s impending retirement in January. Selig’s 22-year reign  has seen the MLB grow from a $1 billion industry in 1992 into one worth nearly $9 billion today. Here’s a look at eight other ways baseball has changed since Selig took the commissioner’s chair. 1. Surging salaries In 1992, New York Mets slugger Bobby Bonilla was the league’s highest-earning player, raking in just over $6 million. While the…
  • 3 Ways President Obama’s BuySecure Move Will Help You

    Teddy Nykiel
    17 Oct 2014 | 7:37 pm
    President Barack Obama is stepping up the government’s cybersecurity battle. Under his BuySecure Initiative to help consumers fight credit card fraud and identity theft—America’s fastest growing crime—he’s issued an executive order designed to accelerate the adoption of more hacker-resistant technology while beefing up resources for victims. Data breaches, like the recent ones at Home Depot, Target, Bank of America and JPMorgan Chase, harmed more than 100 million Americans last year, according to President Obama. Here’s how the president’s latest moves can improve your financial…
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    The Truth About Credit Cards.com

  • MasterCard and Zwipe Launch Biometric Credit Card

    Colin Robertson
    20 Oct 2014 | 11:27 am
    By now everyone is familiar with Apple Pay, which is expected to completely change the way we pay for things. Instead of using a plastic credit card, we’ll be able to touch our iPhones to a payment terminal and select any card in our virtual wallet to complete the transaction. Apple Pay users will also [&hellip
  • Get 5% Cash Back at the Retailer of Your Choice with Discover

    Colin Robertson
    10 Oct 2014 | 12:05 pm
    Discover is running a nice little promo that lets you choose where you want to earn 5% cash back from now until November 30, 2014. This is in addition to their regular quarterly cashback calendar (check right sidebar for current deals), which from October 1st until the end of the year offers 5% cash back [&hellip
  • Get Nearly Free Lunch or a Free Ride with Uber and American Express

    Colin Robertson
    9 Oct 2014 | 9:35 pm
    Have an American Express card? Yes? Good. Use Uber? Yes? Good. You might be able to get a free $10 then. Simply log on to your account at American Express and toggle over to the “Amex Offers for You” section to see if the Uber offer is in there. I found it via my old [&hellip
  • Get $20 for Every Credit Card You Add and Use with Softcard This Month

    Colin Robertson
    6 Oct 2014 | 3:06 pm
    Good deal alert! From now until October 31st, 2014, when you add a credit card to Softcard and simply use it to tap and pay once, you’ll get a $20 Amazon gift card. It’s that easy. Well, there are some restrictions, which I’ll explain. For one, only participating credit cards are eligible for the $20. [&hellip
  • Get 80,000 Ultimate Rewards Points for Referring a Spouse to Chase Ink Plus

    Colin Robertson
    30 Sep 2014 | 10:30 am
    I’ve already talked about how Chase Ink offers one of the best sign-up bonuses in the industry. And I declared that when they were only offering 60,000 bonus points. They’ve since upped it to 70,000 points when you spend $5,000 in the first three months. But that’s not all! Now certain existing Chase Ink Plus [&hellip
 
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    Moneycation

  • Financial news: October 22, 2014

    A.W. Berry
    22 Oct 2014 | 3:00 am
    • CNBC: Changes in currency valuations are showing up in multinational profit margins• CNN: The U.S. wealth to income ratio of 6.5 is at the Great Depression era level • Fox: Consistent cyber-security rules and value-added approach sought by Wall St. group• Bloomberg: The cost of fraudulent forex-rigging could reach $41B this year per Citi• NYT: Only $1.6B of $264.3B digital purchases were made via contactless devices in '13• BI: Market close ↑ S&P 500's 200-day M.A. after breach weakens technical indication• MW: Retirees commonly downsize too little, too late and not…
  • Air travel quality has been stagnant among U.S. airlines

    A.W. Berry
    21 Oct 2014 | 6:00 am
    Americans complained three millionths of a percent less to the government about a declining quality of air travel last year. In other words, out of every 100,000 people, less than one or .3 people had fewer qualms with airline logistics than in 2012. Perhaps it is because they do not have time or because expectations of airline travel are lower, but according to a study conducted by academics at Embry-Riddle Aeronautical University and Wichita State University, the lower level of consumer satisfaction is evident in the Department of Transportation's published Air Travel Consumer…
  • Financial news: October 21, 2014

    A.W. Berry
    21 Oct 2014 | 3:00 am
    • Reuters: Federal Reserve Bank to customize banking rules for smaller banks• Bloomberg: PD-banks hold $38B in corporate debt securities vs $285B in '07• NYT: Traditional T.V. program distributors seek to compete with streamers• BI: IBMs share repurchase program only worked for so long with falling revenue• MW: Restoring lost S&P 500 ROI could take months per technical analysis• AP: Employee raises were less likely in Q3 per business survey data• CNBC: U.S. 10 yr Treasury yield forecast for '14 cut to 2.5% by GS• CNN: Property insurance premiums ↑ up to 9% for a single…
  • How to be efficient at managing office stationery

    A.W. Berry
    20 Oct 2014 | 6:00 am
    Extensive borrowing of stationary adds to office operation costsBy Harry Price So you’ve been given the daunting task of managing your office stationery. It is no easy task and keeping on top of it can be a nightmare. As it can account to as much as 40 percent of a business’s operational costs, it is quite a huge duty to manage, but the cost can be reduced and the job easier to manage.Following the advice below should set you on the way to becoming extremely efficient at managing your office stationery supplies. ConsolidationTake inventory of what supplies you already have in…
  • Financial news: October 20, 2014

    A.W. Berry
    20 Oct 2014 | 3:00 am
    • Reuters: Secured loan documents valid despite errors per Delaware Supreme Court• NYT: Private equity confidentiality restricts pension investors from fee & cost obligations• Business Insider: Californians & Hawaiians have the highest mortgage debt in the U.S.• ZH: Bank Treasury holdings of $1.99 trillion makes them vulnerable to bond sell-off• AP: Investors fear a European recession and lower corporate earnings growth• OQ: S&P 500 downside target of 1803.25 believed to be undercut before upside resumes• CNBC: Divorce after age 50 has worse impact on retirement…
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    LCF on Personal Finance

  • Here’s how you really recognize true wealth which you don’t see

    ChingFoo Lieu
    21 Oct 2014 | 6:33 am
    When you meet someone who drives a RM 300,000 car, do you think this way: That he has RM 300,000 less in the bank now (if he bought in cash)…or… more than RM 300,000 in debt, than he did before he bought the car…or… he earns at least RM 300,000 a year after tax income (it is not uncommon to drive a car that is at least a year’s worth of one’s income in Malaysia). We seldom think of it that way. Most of our perception of wealth is shaped via material possession, especially by what we see other people have. Since we don’t have access to their net…
  • Unbelievable Money mindset we all can learn from this Malay dude’s story

    ChingFoo Lieu
    13 Oct 2014 | 8:43 pm
    We can complain all we want on the hike in fuel prices or when some “experts” said that RM 2,500 monthly salary is sufficient for fresh graduates. If we stick to complaining, nothing is gonna change. Action & execution speak louder than words – best exemplified by Faizul Ridzuan, author of WTF? 23 Properties by 30 in his recent Facebook wall post. Not being racist here but to quote Tan Sri Clement Hii – “…I won’t know how the perception of Malays being “lazy” come about. But I have Malay friends, staff and business associates who are…
  • Road Accidents, Investment and Financial Planning

    ChingFoo Lieu
    2 Oct 2014 | 7:55 pm
    Despite the high road accident rate in Malaysia, we continue to drive everyday as normal. Of course, no one is a fool as we all are aware of the risks on the road but we manage it by cautious driving. And we will definitely disallow our young children to drive as they are not old enough to know the danger. When it comes to investment, there is always a risk of losing money but we still need to invest to hedge against inflation. The risks, then, are managed through careful asset allocation and diversification. As for investment, we learn from own experience or better, from experience…
  • Life Planning – use “Start with Why” to see tangible result

    ChingFoo Lieu
    23 Sep 2014 | 8:26 pm
    Most of us undermine the importance of planning our finances. The maxims of “Spend less than you earn”, “Invest for Long Term”, “Never get into Bad (aka Lifestyle Debt) and “Protect what we cannot lose with insurance” immediately come to mind. Nobody is stupid – we KNOW it is important to practice/kick start them sooner or suffer the consequences in later days,  yet often, we Procrastinate about it. Why? It probably has to do with how we, homo sapiens, are naturally emotional creatures. We act and make decisions driven not by reasons, but by something…
  • The Reality of Mortgage before Marriage

    ChingFoo Lieu
    17 Sep 2014 | 6:59 am
    Which is applicable for you? 1) “First come love, then comes marriage, then comes mortgage and then the baby”. 2) “First comes love, then comes mortgage, then comes marriage and then the baby”. 3) “First comes love, then comes a baby, then comes marriage and then the mortgage” I am in this sequence (2). In our parents time, sequence (1) is more likely but it is just getting rarer now. Anybody who has experience sequence (3) – well, just to acknowledge that it is also not uncommon nowadays! Anyway, I digress. The gist of the matter is that it is just…
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    Money Soldiers

  • Smart Strategies for Forex Money Transfers

    Arnel Ariate
    21 Oct 2014 | 6:18 am
    Some people use the expression that time is money and when it comes to completing a deal or paying for something urgently, there is certainly an element of truth in that statement. If you need to get money to someone abroad safely, securely and swiftly, you will need to find the right system and someone […]Smart Strategies for Forex Money Transfers is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Don’t I Already Have Insurance?

    Arnel Ariate
    18 Oct 2014 | 12:36 am
    Before making any decisions pertaining to insurance and get life insurance quotes or income protection insurance quote, or others, it is always a good idea to evaluate the level of coverage you already have.  This sort of evaluation normally reveals a number of things.  In some cases, it reveals that one is actually over-insured.  This […]Don’t I Already Have Insurance? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Business Planning for Turning Ice Cream into Cash

    Arnel Ariate
    17 Oct 2014 | 11:51 pm
    You’re looking to start an ice cream shop – kudos to you.  One of the major stumbling blocks ahead of you is cash.  Every ice cream shop experience a lean time, usually in the off season when buyers are looking for hot soup instead of cold cream.  Here’s how to make a business plan that […]Business Planning for Turning Ice Cream into Cash is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • What’s Best for Investing: An “Active” or “Passive” Fund?

    Arnel Ariate
    13 Oct 2014 | 7:38 am
    Investors as a group tend to walk a bit of a tightrope, balancing the amount of return they must have on their investments against the risk they are willing to assume.  Some investments have the potential for realizing either a significant return or a massive loss, while others seem to plod along, rising and falling […]What’s Best for Investing: An “Active” or “Passive” Fund? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Why Use a Local Broker for Your Car Insurance?

    Arnel Ariate
    11 Oct 2014 | 8:21 pm
    Time was when practically our every insurance need was likely to be met by the friendly insurance broker found on most high streets up and down the land.  You might think that the services of your local insurance broker have been overtaken by the recent explosion in internet sales of insurance and the use of […]Why Use a Local Broker for Your Car Insurance? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
 
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    Hull Financial Planning

  • The Mental Challenge of Keeping a Manager Who Has Failed Fast

    Jason Hull
    16 Oct 2014 | 6:00 am
    “If at first you don’t succeed, destroy all evidence that you have tried.” –Steven Wright Most entrepreneurs love to embrace new buzzwordy business styles. Six sigma. Lean. Lean six sigma. Agile. Flat organizations. No titles. Lean six sigma flat org charts with no titles. Fail fast. I’ve dealt with all of these types of organizations […]Learn to beat your Monkey Brain and Accelerate Retirement. The Mental Challenge of Keeping a Manager Who Has Failed Fast is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Play the Market Like a Hedge…
  • The Psychology of Debt – A Battle Between Your Two Brains

    Jason Hull
    9 Oct 2014 | 6:00 am
    “Promises make debt, and debt makes promises.” –Dutch Proverb I received my first credit card when I was a plebe at West Point. Perhaps there should have been a hazing ritual to go along with it so that I would have been more scared of it than I was, but, hey, I was a plebe. […]Learn to beat your Monkey Brain and Accelerate Retirement. The Psychology of Debt – A Battle Between Your Two Brains is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Small Business Debt is Debt Too Use Anti-motivation to Pay Down Debt The Psychology of Fiduciary…
  • Making Money in Your Investments Doesn’t Make You a Great Investor

    Jason Hull
    2 Oct 2014 | 6:00 am
    “The one thing that unites all human beings, regardless of age, gender, religion, economic status, or ethnic background, is that, deep down inside, we all believe that we are above-average drivers.” –Dave Barry Do you think that you’re a good driver? You probably do. Why do you think that? You’ve probably only been in a […]Learn to beat your Monkey Brain and Accelerate Retirement. Making Money in Your Investments Doesn’t Make You a Great Investor is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Counting Your Money Isn’t the Same as…
  • If I Probably Will Not Receive a Life Insurance Benefit, Why Buy It?

    Jason Hull
    25 Sep 2014 | 6:00 am
    “Insurance is the only product that both the seller and buyer hope is never actually used.” – Unknown Chances are pretty good that as long as you’re buying life insurance for insurance’s sake – meaning income replacement – and not as an investment or for some other reason, you’re not going to receive the benefit. […]Learn to beat your Monkey Brain and Accelerate Retirement. If I Probably Will Not Receive a Life Insurance Benefit, Why Buy It? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: What to do if You Receive a Life Insurance…
  • Do Financial Planners Know How to Value Your Company?

    Jason Hull
    18 Sep 2014 | 6:00 am
    “Amidst all the hype and hoopla around this business, I wanted to emphasize the challenge—it is seductive but the failure rate is very high. And those who fail have no good place to go.” ― Mahendra Ramsinghani I’ve been fortunate enough to have a company where I eventually saw three different offers for either the […]Learn to beat your Monkey Brain and Accelerate Retirement. Do Financial Planners Know How to Value Your Company? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Life Insurance Companies Should Provide Financial Planners…
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    Listen, Money Matters!

  • Are We Loving Our Kids Too Much with Adam Carroll (Ep. 212)

    Candice Elliott
    22 Oct 2014 | 3:00 am
    We first met Adam when he came on to talk about his movie about college loan debt.  He’s back to discuss loving our kids too much. What a weird concept.  Loving your kids too much.  But it can be true.  By giving them too much, by coddling them from every possible disappointment, we turn them into ineffectual adults. From ensuring that everyone gets a trophy to always giving them money when they ask, kids today can’t handle normal disappointment and have never had to work or struggle for anything.  Mom and Dad are always waiting, poised to smooth whatever path their children…
  • How I’m Escaping Debt With Automation

    Andrew Fiebert
    21 Oct 2014 | 5:00 am
    To the uninitiated, debt happens. For me it came way later in life when I had my guard down. I’ve been an ultra-conscious debt avoiding maniac but it seems after 14 years of focus, all I had to do was take my eye off the ball once. Not only did I take swift action to fix the problem but I leveraged technology and my laziness to make sure it stayed out of my hair. In this article I’m going to detail everything I did to turn my situation around. The Concept In case you didn’t know, I have a daily podcast where I talk money. That meant that I was not only ridiculed by my…
  • 5 Questions: Refinancing, HSA’s, and First Home Mortgages (Ep. 211)

    Candice Elliott
    21 Oct 2014 | 3:00 am
     We answer five of our listener’s questions about loan refinancing, HSA’s, and first home mortgages. This format has become so popular that it’s now a regular feature on LMM.  We answer questions sent in by listeners. 1.  Why is refinancing a loan so important? If you can refinance, it will lower your interest rate, thereby lowering your monthly payment and interest payments.  Refinancing works the same no matter the type of loan, student, mortgage, car etc. "One bank charges and arm and a leg so go to one that charges an arm." 2.  If I invest in the Retirement…
  • How to Find Cheap Flights with Nathaniel Boyle from The Daily Travel Podcast (Ep. 210)

    Candice Elliott
    20 Oct 2014 | 3:00 am
    Wish you could travel more but think it’s too expensive?  Nathaniel Boyle has devoted his life to travel and will teach us how to do it on the cheap. Credit card churning is a great way to fly for free but it can be a burdensome process to book with miles.  There are other, less complicated ways to fly cheap.  Nathaniel Boyle from The Daily Travel Podcast will tell us how he does it. There are so many air travel booking sites, Expedia, Travelocity, Hipmunk.  But the prices are all about the same.  Nathaniel recommends booking directly through the airlines.  It’s often…
  • Surround Yourself with Financial Friends (Ep. 209)

    Candice Elliott
    19 Oct 2014 | 3:00 am
    Do you have financial friends?  If you don’t, you should get some.  Being around liked minded people will help to smooth your personal finance path. You are an amalgamation of the five people you spend the most time with.  Think of those people.  Are any of them financially responsible?  Are any of them materialistic?  Adults though most of us are, we can still be influenced by peer pressure. Peer pressure can help you to make good decisions.  If you have frugal friends, they understand when you can’t afford to go out to dinner and are happy to split a pizza at your place.
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    Equifax Finance Blog

  • Why Estate Planning Documents Should Be Part of Your Financial Planning Strategy

    Steve Repak
    21 Oct 2014 | 5:44 am
    There is an old saying that people spend more time planning for a vacation than they do for retirement. You can imagine that most people spend even less time with estate planning. Planning for death or incapacity might not be on your bucket list, but it must be considered, especially when it relates to your overall financial planning strategy. When you die, your assets will go somewhere Whether or not you have your estate planning documents in good order, your assets will go somewhere. They just might not go where you want them to go if you don’t have your estate planning documents…
  • What to Look For When Buying an Investment Property

    Steve Cook
    20 Oct 2014 | 5:18 am
    There’s nothing new about buying a house and renting it out to make some extra income, but the flood of foreclosures that began in 2007 sparked fresh interest in purchasing rental real estate for investment. Today, millions of individual investors, as well as huge Wall Street hedge funds, have invested billions of dollars into purchasing houses, fixing them up, and renting them out. Rental real estate is one of the few investments that generate significant returns while you still own the asset. But how do you know you’re choosing the right property? What constitutes a good rental…
  • Should I Choose Term or Permanent Life Insurance?

    Loretta Worters
    17 Oct 2014 | 7:38 am
    Let’s face it: few people like to talk about life insurance, let alone buy it. Benjamin Franklin, who was instrumental in creating the first life insurance company, the Presbyterian Ministers’ Fund, subsequently found that various religious authorities were outraged at the practice of putting a value on human life. Criticism cooled, however, when it was seen that life insurance protected widows and orphans. While the fear associated with life insurance has also calmed, choosing the right type of life insurance can be daunting. Here are some guidelines that can help you narrow down…
  • How Do I Change My Name After Marriage?

    Teri Cettina
    16 Oct 2014 | 5:00 am
    So you’re getting married and you’ve opted to change your last name. Congratulations! But as you’ll soon find out, changing your name is not quite as simple as just signing the marriage license. You need to notify a number of different agencies about your name switcheroo. It’s a bit of work, but don’t worry—it’s not nearly as much work as planning a wedding. Tip: You may want to order a dozen or more certified copies of your marriage certificate to make the name change process easier. First stop—the Social Security office. Getting a new Social Security card is a good place to…
  • How to Read Your Equifax Credit Report

    Diane Moogalian
    15 Oct 2014 | 5:19 am
    You are entitled to one free credit report per year from each of the three major credit reporting agencies (CRAs). This means that you have three opportunities to examine your credit report and assess how your credit behaviors and habits have impacted your credit file. Your credit reports may differ slightly between the three national CRAs, but if you order a credit report from Equifax, here’s how your information will appear: 1. Credit summary The credit summary is an overview of credit account activity. For each type of credit account you have, the credit summary shows the number of…
 
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    Personal Finance Updates

  • ‘Invisible’ Credit? (Read This Now!) – NYTimes.com

    MColden
    6 Oct 2014 | 5:47 am
    ‘Invisible’ Credit? (Read This Now!) – NYTimes.com http://opinionator.blogs.nytimes.com/ Thu, 02 Oct 2014 16:30:25 -0700 Millions of financially responsible consumers don’t have credit scores and can’t get loans. Now there are ways to make them ‘visible’ to lenders. If Congress passed a law requiring everyone in the United States to get a license to be considered […] The post ‘Invisible’ Credit? (Read This Now!) – NYTimes.com appeared first on Personal Finance Updates.
  • 6 Tips to Help You Reduce Credit Card Debt – Military Saves

    MColden
    14 Apr 2014 | 1:52 am
    6 Tips to Help You Reduce Credit Card Debt – Military Saves 3. Leave your card at home. If you truly want to begin decreasing your credit card debt, begin leaving your card at home. Doing so will prevent impulse purchases of items you don’t really need. If you have trouble doing this, … Original article […] The post 6 Tips to Help You Reduce Credit Card Debt – Military Saves appeared first on Personal Finance Updates.
  • 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet

    MColden
    14 Apr 2014 | 1:51 am
    5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet Besides the emergency-related planning that you need to do, there are many ways single parents can manage their finances in an effective manner. Read on to learn five finance tips for single parents, and how to make them … Original article on http://wallstcheatsheet.com Sun, […] The post 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet appeared first on Personal Finance Updates.
  • Home Mortgage Tips That Can Help You Out |

    MColden
    14 Apr 2014 | 1:49 am
    Home Mortgage Tips That Can Help You Out | Buying a home can be a life changing experience, so be sure that you know what goes into getting approved for your home mortgage. There are quite a few things that you’re going to need to do, and this article is going to … Original article on […] The post Home Mortgage Tips That Can Help You Out | appeared first on Personal Finance Updates.
  • 8 tips for spring cleaning your finances – - MSN Money

    MColden
    8 Apr 2014 | 1:41 am
    8 tips for spring cleaning your finances – - MSN Money It’s time to toss those dusty bank statements and shop around for better rates. – MSN Money how-to-budget tips and articles. Original article on http://money.msn.com Tue, 01 Apr 2014 15:15:00 GMT Read more … The post 8 tips for spring cleaning your finances – - MSN Money appeared first on Personal Finance Updates.
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    Bargains with Brittanie

  • Treat: Buy One Card, Get One Free!

    Brittanie
    21 Oct 2014 | 5:04 pm
    With the holidays nearing now is the time to start getting those holiday cards made and ready to send out. Through October 27th Treat is offering Buy One, Get One Free Cards! You can create birthday, holiday, wedding, or even just because cards. Simply create two cards and add them to your cart. During checkout […] The post Treat: Buy One Card, Get One Free! appeared first on Bargains with Brittanie.
  • Pack of 2 Black Eyelash Mascara Set only $5.96 Shipped!

    Brittanie
    21 Oct 2014 | 12:07 pm
    How cute is this? Right now you can get this Pack of 2 Black Eyelash Mascara Set for only $5.96 + Free Shipping! Color: Black Convenient and useful beauty tools Quantity:Pack of 2 pcs Black Mascara Size : 13 * 2cm Color : Leopard Everyone will receive free shipping since this is sold through a third […] The post Pack of 2 Black Eyelash Mascara Set only $5.96 Shipped! appeared first on Bargains with Brittanie.
  • Bright Starts Clack and Slide Activity Ball only $8.88! (Reg. $23.00)

    Brittanie
    21 Oct 2014 | 11:47 am
    This Bright Starts Clack and Slide Activity Ball is only $8.88 right now on Amazon! Normally $23.00! Spinning frog character and caterpillar bead chaser Spinning paddle with mirror Squeaker and clacking rings Roller ball with colorful rattle beads Handles with multiple textures are easy for baby to grasp Use your Amazon Prime Membership to receive free […] The post Bright Starts Clack and Slide Activity Ball only $8.88! (Reg. $23.00) appeared first on Bargains with Brittanie.
  • 12 piece Large Assorted Dinosaurs only $8.09! (Reg. $19.99)

    Brittanie
    21 Oct 2014 | 11:41 am
    Calling those Dinosaur Fans! Right now you can get a 12 piece Large Assorted Dinosaurs for only $8.09! These are normally $19.99! 12 assorted dinosaurs per package. Each dinosaur is sealed in individual packaging. Crafted of durable vinyl for years of pretend play. Makes great party favors ! You can use these as stocking stuffers as since […] The post 12 piece Large Assorted Dinosaurs only $8.09! (Reg. $19.99) appeared first on Bargains with Brittanie.
  • HoneyBaked: $4.00 off any Ham Purchase Coupon!

    Brittanie
    21 Oct 2014 | 10:29 am
    HoneyBaked Ham has released a new $4.00 off any Ham Purchase Coupon! Simply click the image above or head over using the link to print your coupon. This coupon is valid in select states (they are listed on the coupon) so make sure your state is listed. *Coupon expires 10/31/14 The post HoneyBaked: $4.00 off any Ham Purchase Coupon! appeared first on Bargains with Brittanie.
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    The Simple Money Blog

  • When was the last time you reassessed your budget?

    Angela and Kirby
    20 Oct 2014 | 4:30 am
    KJ: Sometimes, it seems like money pours out of the bank account, so what better time to see if your current plan is really what is right for you at this stage in your life? It’s easy to keep coasting … Continue reading →
  • Personal umbrella liability insurance: what you need to know

    Kirby
    13 Oct 2014 | 4:30 am
    KJ: If you are like us, you’re working toward your goals. And working toward your goals (be it children’s education, retirement, or just financial independence) means saving money. Over time, you want to see that your money is protected in … Continue reading →
  • Adapting to a better life

    Angela and Kirby
    8 Oct 2014 | 5:15 am
    AJ: I don’t often read Oprah’s magazine, but I read the September 2014 issue and felt a strong connection to a point she drove home in her final thoughts. From her article entitled Best Advice Taking Care of Yourself she … Continue reading →
  • Seven money mistakes you shouldn’t make in your 30s

    Angela
    30 Sep 2014 | 6:45 am
    AJ: KJ and I eat, sleep and breathe money talk. KJ works in finance, I manage a really large budget as part of my job, and we’re budgeting and planning obsessed. So when I come across an article that gives … Continue reading →
  • The oh-so-simple secret to building long-term wealth

    Kirby
    22 Sep 2014 | 4:30 am
    KJ: And…the oh-so simple secret to building long-term wealth boils down to a few basic concepts: time and patience. That’s it. Take patience, and add in a little bit (or a lot a bit) of time, and voila! The inspiration … Continue reading →
 
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    My Money Design

  • Do Grades Really Matter?  What Really Counts When It Comes to Your Career

    MMD
    20 Oct 2014 | 2:00 am
    I was an A-student back in school.  I worked very hard to get them.  I knew that they were my ticket to something bigger and greater.  At least that’s what I used to believe – until I realized that the only things bigger and greater were the ones I found on my own. Don’t think that that’s true?  Then how is it that you and your colleagues can all be so diverse in your backgrounds and academics, yet you all do the same job.  You probably all get paid roughly about the same too.  In some instances the people who did worse in school are the boss or actually make more than you do.
  • Good Scary Movies to Watch this Halloween – 2014 Edition

    MMD
    18 Oct 2014 | 8:14 am
    I wanted to take this opportunity to break up our normal regimen of posts devoted to serious personal finance topics and dive into something far more entertaining: Good scary movies to watch this Halloween! If you’re like me and always looking for some good, cheap fun around Halloween-time, then there is nothing better than renting a couple of really scary movies from the Redbox or Netflix that will leave you scared to go to bed. This is the third edition of my “good scary movies” post.  You can find my past horror movie picks from 2013 and 2012 at these links with reviews of some of…
  • Should I Do a 401k to IRA Rollover?  The Benefits and Drawbacks

    MMD
    13 Oct 2014 | 2:00 am
    Recently during a discussion with my money coach client there was a very important question that came up:  “I have an old 401k with a former employer that is still sitting right where I left it.  I’m wondering if I should make a 401k to IRA rollover or simply leave the money right where it is?” That’s a really good question. I’m sure for a lot of people (myself included) that the money you have in your 401k account is probably the largest percentage of your wealth you have saved up – anywhere!  Even if you’ve got nothing more than the average 401k balance of $81,000 as…
  • Niche Website Update 22 – $1,203 in Income – Exploding Success with ClickBank!

    MMD
    6 Oct 2014 | 2:00 am
    As much as I like to talk about saving and investing, the most lucrative way I’ve found to improve your overall financial situation is to simply earn more money.  While making a side income might be an impossible task for some, I’m here to show you that it is in fact possible if you put your mind to it. Especially if you’re a blogger (like me) or even thinking about starting your own website, then you’ve got a wealth of opportunity sitting right in front of you.   You just have to be willing to be an entrepreneur and work your way at it. This month my collection of niche websites…
  • What is the Minimum Retirement Savings You Could Comfortably Live On?

    MMD
    29 Sep 2014 | 2:00 am
    One of the hallmarks of a solid early retirement plan is thinning out your expenses as much as possible. To a lot of people they will probably interpret this to mean shaving a few hundred bucks off by not eating out every night or scaling back on their trips to the mall.  Those kinds of things are good, but we’re talking about going a whole lot further.  For someone who wants to retire early really, really badly, part of what they’ll do is clip back their expenses to the point of virtual non-existence. Why would they do this?  Simple.  The fewer expenses you have means you’ll only…
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    The Quizzle Wire

  • How to open a custodial investment account for your child

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

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

    Cathy
    20 Oct 2014 | 7:26 am
    A mortgage is a loan that a person takes out to buy a house. The borrower can’t afford to buy the house outright, so he or she borrows the money from a lender, such as a bank, using the house itself as collateral. That means that if the borrower fails to pay off the mortgage, the bank can take ownership of the house and sell it to recoup the loan amount. But what is a reverse mortgage? Consider that in paying off a traditional “forward” mortgage, the borrower builds equity in the house, meaning he or she is increasing the amount of the property he or she owns, while reducing…
  • Do you need disability insurance?

    Miranda Marquit
    19 Oct 2014 | 1:00 pm
    Many of us know that we need to prepare for the possibility that we will die and leave our families without income. We buy life insurance to ensure that they are taken care of. But many of us don’t think about what might happen if we are disabled and can no longer work to provide. Whether it’s a long-term problem or a short-term issue, Daily Finance points out that you need to consider disability insurance. Inability to work can be a financial burden While it’s never pleasant to consider the difficulties related to death or disability, it’s important to face them. Daily Finance points…
  • The Dangers of Co-Signing For a Loan

    Cathy
    19 Oct 2014 | 6:00 am
    What does it mean to “co-sign” for a loan? It basically means you guarantee to pay back the loan if the primary borrower fails to do so. A co-signer on a loan is typically required when the lender is concerned that the primary borrower will not pay back the loan. A common situation is a young adult’s first car purchase – most young adults don’t have the money to pay cash for a car so they need to take out a loan. It’s often their first loan, so the young adult is perceived as a potential default risk because he or she doesn’t have a history of making…
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    SideHustle HQ

  • Jessica Alba’s Side Hustle Success

    SideHustleHQ
    18 Oct 2014 | 5:12 pm
    Actress Jessica Alba famous for roles in Spy Kids 4 and Little Fockers  and her co-founder, launched The Honest Company in 2011, which has since become a great success. Alba’s business idea was to create a subscription e-commerce startup, which allows customers to sign up for different monthly bundles of their eco-friendly line of products for baby, family, and home, and also sells via small-scale partnerships with bricks-and-mortar retailers. Alba became passionate about the idea after she became a mother, and saw the need for a line of safe, convenient, eco-friendly products for babies…
  • Starting a Calligraphy Side Business

    SideHustleHQ
    11 Oct 2014 | 12:56 pm
      In today’s highly technological society, it sometimes seems like there’s little interest in artistry anymore. However, the fact of the matter is that there’s a growing backlash against automation and generic, mass-produced products. You can profit from this trend by starting a boutique calligraphy side business. If you have a genuine love for typography and aren’t afraid of learning a new skill, the calligraphy business can be very remunerative. The key to making such a business worthwhile is knowing your audience and pursuing it in an intelligent fashion.
  • When You Need To Make Money Now

    SideHustleHQ
    4 Oct 2014 | 10:14 am
      Nothing is worse than needing money in a crunch and having no way to accrue it via ordinary means. Fortunately, there are plenty of earnings opportunities available to you when times get tough. Here are more than a dozen great ways to put together a few hundred dollars in a hurry when you need money now. Perform Some Manual Labor You’d be surprised at how much money you can make by hitting up Craigslist and signing on for some one-off gigs. General manual labor such as moving jobs can make you an easy $100 per day or more even in low-wage markets. A weekend of hauling furniture…
  • Sarah Jessica Parker- Stepping into Side Business Success with a Shoe Line

    SideHustleHQ
    25 Sep 2014 | 6:46 pm
    Day Job:  Actress Business: SJP Collection, Shoes, Handbags, & Outerwear Sarah Jessica Parker is well-known for her leading role as Carrie Bradshaw in HBO’s hit show, “Sex and the City”.  Jessica Parker  has turned her character’s on-screen love for shoes to a thriving shoe and handbag business. Recenty, Jessica Parker launched the  SJP Collection, the Nordstrom-exclusive line of shoes handmade in Italy, exquisite handbags and outerwear.
  • Carmelo Anthony – The Digital Athlete

    SideHustleHQ
    25 Sep 2014 | 6:33 pm
      During the current Silicon Valley gold rush, it seems like everyone wants a piece of the action. Celebrities in particular have become major players in the venture capital game. With the launch of his new investment outfit Melo7 Tech Partners,  Carmelo Anthony, the Knicks power forward is joining the tech entrepreneur revolution in a unique way. Melo7 in a Nutshell As a partnership between Anthony and former NBC executive Stuart Goldfarb , Melo7 is a lean operation by design. Melo7 Tech Partners, LLC. provides seed stage funding and advisement to promising tech startups. Unlike…
 
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    Covenant Trust Company

  • After a long period of calm, volatility may be back

    Covenant Trust Company
    16 Oct 2014 | 12:11 pm
    Since the beginning of October concerns about signs of weaker growth abroad have outweighed positive US corporate earnings reports and global stock market volatility has gone extreme. The Dow Jones Industrials saw triple-digit swings several days in a row that wiped out all of the index’s year-to-date gains. This volatility sent investors once again seeking […]
  • Four simple ways to save

    CTC - Ruser Saldaña
    24 Sep 2014 | 1:30 pm
    Jean Chatzky (financial editor for the “Today” show) thinks saving money is simple. At least theoretically. And theoretically, I agree. It’s like losing weight: if you want to drop a few pounds, you must burn more calories than you consume. Similarly, to save money, you need to make more money than you spend. However, we […]
  • CTC tips: calculating debt

    Covenant Trust Company
    17 Sep 2014 | 9:33 am
    According to Nerd Wallet, the national average credit card debt is $15,607; the average mortgage debt is $153,500; and the average student loan debt is $32,656. Even if your debt isn’t as high as these averages, it can still wreak havoc on your finances. Perhaps your debt payments are affordable. However, that doesn’t mean you’re in a financially healthy situation. […]
  • Risk and Return

    Covenant Trust Company
    8 Sep 2014 | 7:24 am
    Risk and return – these are the basic concepts in the investing realm.  In order to achieve a greater return, the investor must be willing to take on greater risk.  We ask clients about their tolerance for risk, their ability to withstand the volatility and negative events that will come at some point. This is […]
  • How much credit card debt is too much?

    Covenant Trust Company
    29 Aug 2014 | 9:21 am
      How much credit card debt is too much? A few years ago, Mint asked people this question and published their results in an infographic (above). Almost half of the people who responded thought any credit card debt is too much. It’s not a surprising response: with the current average (i.e., not highest) credit card interest rate for […]
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    Debt Consolidation USA

  • 8 Important Questions Before Opting For Credit Counseling

    Lizzy Bale
    20 Oct 2014 | 1:58 am
    Do you think credit counseling is the key to get yourself out of debt? There are a lot of things that you can do to help your quest of becoming debt free. All of them will require you to change your ways as your debts evidently show that you are doing something wrong in your […] The post 8 Important Questions Before Opting For Credit Counseling appeared first on Debt Consolidation USA.
  • 4 Non-Financial Reasons To Be Aggressive In Paying Off Debt

    Lizzy Bale
    15 Oct 2014 | 11:00 pm
    Paying off debt is a must for anyone who wants to improve their lives. Until you free yourself from overwhelming amounts of debt, you will always be held back by the money that you are wasting – paying for your credit obligations and the interest rates associated with it. Debt has a devastating effect to […] The post 4 Non-Financial Reasons To Be Aggressive In Paying Off Debt appeared first on Debt Consolidation USA.
  • How To Discuss College Expenses With Your Child

    Lizzy Bale
    14 Oct 2014 | 7:22 am
    College education should not be a problem for most people. However, thanks to the high college expenses, a lot of kids are doubting if they can really afford a higher education. An article published on NPR.org mentioned how President Obama believes that young people want to go to college but the costs are holding them […] The post How To Discuss College Expenses With Your Child appeared first on Debt Consolidation USA.
  • How To Keep Discouragement At Bay While Increasing Your Savings

    Lizzy Bale
    7 Oct 2014 | 12:26 am
    Increasing your savings is not the easiest task in the world. You will find that spending is easier than reaching your saving goals. This is probably why a lot of people are having a tough time boosting their funds in the bank. But despite the difficulty, there are instances in our lives that we are […] The post How To Keep Discouragement At Bay While Increasing Your Savings appeared first on Debt Consolidation USA.
  • How Increasing Your Income May Cost You More

    Lizzy Bale
    29 Sep 2014 | 7:31 pm
    When your finances are tight, you have two options before you. You either cut costs or increase your income. In most cases, people opt for the former because it is the fastest thing to do. You simply choose not to pay for something that you usually do when there is an immediate financial need. However, […] The post How Increasing Your Income May Cost You More appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • YOUR FIRST APARTMENT! FIVE WAYS TO BE PREPARED

    Kate Swenson
    13 Oct 2014 | 12:58 pm
    My 23 year old daughter just moved into her first apartment with friends.  As they were looking at and considering apartments, she asked for advice on various aspects of the process.  I wasn’t much help—I haven’t moved in 35 years!  (I bought my house when I was 12!)  So, I learned with them about renting an apartment. CHOOSE YOUR ROOMMATES WELL You and your roommates will be equally liable for the whole rent, not just your portion.  Are your prospective roommates employed?  Dependable? Choose roommates with a similar lifestyle.  Are you an early riser and your roommates night…
  • Confessions of a Financial Counselor

    Kate Swenson
    8 Oct 2014 | 12:16 pm
    As a Financial Counselor, most people I see in my office are people that are stressed by debt.  I see a huge range of people: 5 digit monthly incomes to 3 digit; single folks to married couples with several children; recent immigrants to those whose people go back to the first bipeds on this continent.  And everyone in between.  Their debt spans a broad range, too:  An unnoticed $118 medical bill that went to collections to $98,000 in credit cards. The anxiety people have about seeing a financial counselor for their debt can fill the office.  Some express it out loud: “I was so afraid…
  • The Green Tomato: The Fruit That Keeps on Giving

    Kate Swenson
    6 Oct 2014 | 7:14 am
    It’s been a good garden year for me.  I’ve supplied my household, friends, family, passersby, and the local food shelf with a variety of beautiful, fresh, organic produce.  I couldn’t even begin to calculate the dollars saved.  (Add in the physical and environmental benefits of gardening and the economic payback rises significantly.) It is early October and the first frost has yet to hit the Twin Cities in Minnesota.  I’m still harvesting summer squash, tomatoes, greens, herbs, peppers, and more.  When frost is finally in the forecast (any time now!) you will find me in the…
  • Keeping Your Home Safe While You Travel

    Kate Swenson
    15 Sep 2014 | 6:10 am
    If you’re planning a trip sometime soon, you have more to do than simply pack your bags. Many home burglaries occur when folks are out of town. We all look forward to coming home after a trip. So, take these few precautionary steps to keep your home secure while you’re away. Experts suggest your home’s lights (both interior and exterior) are your number one defense against intruders. Set your lights on a timer using irregular intervals so there’s no predictable pattern. Use motion sensor lights at many spots around your home’s exterior and make sure the lights illuminate several…
  • More Beneficiary Blunders

    Kate Swenson
    2 Sep 2014 | 7:12 am
    A while back, I wrote a blog called “Avoiding Beneficiary Horror Stories.” At that time I discussed many potential problems that may arise when you don’t review your forms periodically to ensure they’re accurate. Since then, I have come across a few other scenarios I wanted to share so you can avoid these unfortunate blunders. Just like we were all born into this life, we will also pass away from this life. Although not much fun to think about, it will happen sooner or later. Since we have no idea when that may be, it’s always best to be prepared. One way to do that is to make sure…
 
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    Minting Nickels

  • Top 4 Reasons You Shouldn’t Purchase a Home Yet

    Justin
    11 Oct 2014 | 6:59 am
    It goes without saying that one of the biggest purchases an adult will have in their life is the purchase of a new home. When it comes to buying a new home, timing is very important as well as being financially and emotionally ready. The problem is that, when emotions are thrown in, sometimes people make decisions that are not financially sound, and purchase a home that they aren’t ready to afford. The  fact is, there are at least 3 very good reasons that a person should not purchase a new home, even if they feel that they are ready to do so. Those 3 reasons are below. Enjoy. Reason #1:…
  • The Inclusive Wealth Index: A Better Way to Measure Economic Growth

    Justin
    10 Oct 2014 | 11:00 am
    In the second quarter of 2014, GDP in the U.S. increased by 4.6 percent, causing politicians and pundits to insist that the American economy is improving. Unfortunately, many Americans don’t feel like their lives are getting better. Home values in the U.S. still lag far behind their pre-2008 levels, and wage growth for middle and low-income Americans is stagnant. As a result of what’s happening in America and in many other countries, more economists and social scientists question whether a country’s GDP accurately measures its economic prosperity. The United Nations proposed a new…
  • How to Compare Burial Insurance Companies

    Justin
    24 Sep 2014 | 5:34 am
    Some people choose to purchase burial insurance. This insurance is designed to only cover burial expenses and not additional estate or medical expenses. The cost of burial insurance varies by state and by provider as some include more services than others. It is important that you take the time and compare the differences between each company. Use the information below to find the best burial insurance provider for your expected needs. Search among Leading Insurance Companies Always search with the most reputable companies first. This includes companies such as State Farm, Lincoln Heritage,…
  • HIGHER EDUCATION BILL REPORT

    Justin
    19 Sep 2014 | 3:12 pm
    The Higher Education Bill, adopted by the Swiss Federal Parliament in September 2011, to be implemented in 2015, was developed as a means to create a more coherent system of accreditation for both private and public universities in Switzerland. Under previous regulations there was no consistent governing body to oversee both sectors of the tertiary system as the management of higher education was left up to individual cantons (states), and not at a federal, uniformed level. Educational unification has been going on in Europe for over 15 years. These steps were taken in order to promote ease…
  • Ways to Own Your Finances (By Making Just a Few Phone Calls)

    Justin
    11 Sep 2014 | 7:20 am
    I know many people that absolutely dread picking up the phone because they have become too adjusted to using emails and texts on their smart phones. A phone call, however, is always the easiest way to get through to someone when it needs to be personal. The phone is your best weapon when you want to own your finances either through savings, investments, or advice. Here are a few different instances in which a simple phone call can do wonders for your personal finance. 1. Renegotiate your bills Don’t you just hate it when a service provider tacks on additional fees over and over again? All…
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    Debt RoundUp

  • 5 Spending Triggers to Guard Against

    Mike Collins
    22 Oct 2014 | 1:48 am
    There was recently a great article on Yahoo Finance which discussed five overspending triggers that can sabotage your budget.  Despite our best laid plans, we all have things that trigger a desire to spend and recognizing those tendencies is the first step toward stopping them. For example, a few years ago I was stuck in a job I hated.  I couldn’t stand the work I was doing, I didn’t like the people I worked with, and I felt that no matter how hard I worked I could never do enough to make my boss happy. I would often use my lunch hour to “escape” by taking a ride to get some fresh…
  • Good News Capital One 360 Members, You Can Deposit Cash!

    Grayson Bell
    21 Oct 2014 | 2:30 pm
    I received an email yesterday from Capital One 360.  Since I’m a member and have a checking and savings account with them, I was happy to see this change.  Capital One 360 has been going through some changes, but they are making it a little better now. You Can Now Deposit Cash at Capital One ATMs! That’s right!  It used to be a pain to deposit money into Capital One 360, especially cash.  I always just did electronic transfers from my other bank account, but now they are upping the ante.  Now, they do say you can only deposit cash at some Capital One ATMs, but at the end of…
  • How I Saved $60 Per Month With One Phone Call

    Grayson Bell
    20 Oct 2014 | 3:11 am
    Laurie wrote a great post last week about how you should challenge every expense. I mean, that is the way you save the most money. Don’t just accept a charge, challenge it.  You would be surprised how many times you can get a lower price.  Her post was an extension of my early one about just freaking asking for a discount.  The worst that can happen is you get a no.  Ouch, someone said no to you.  Suck it up and move on.  If you have ever run a business or been in sales, then you understand you will hear more “no” than “yes.”  It is a fact of life.  If we…
  • Do We Have a Comprehension Problem?

    Grayson Bell
    17 Oct 2014 | 3:03 am
    My wife and I were talking the other day about something which happened to me at Target.  Yes, I still shop at Target, even though it used to own my soul. I have taken it back, so there!  Anyway, I went in to get some contact solution (Clear Care is freaking awesome!) and a few other items.  Luckily for me, I was able to get everything on my list and get out.  I did go during my lunch break and was surprised how busy it was.  Do other people even work anymore? Anyway, I had three items and noticed the express lane was open with one woman stepping into the line. I considered myself lucky…
  • They Can’t Do That! How I Learned about Debt Collection Harassment

    Grayson Bell
    16 Oct 2014 | 2:48 am
    This is a personal debt story from Lindsey Dahlberg.  I had some debt. Ok, I had a lot of debt. And I was having a hard time paying it off. So, naturally, the debt collectors had come sniffing around. And, as can also be expected, their presence slowly chipped away at my self-esteem. What a loser I was. I couldn’t pay my bills. I was going to forever be labeled as the white-trash mom with bad credit, destine to live out of a cardboard box someday. At least, that is what those collectors seemed to portray. And because I was so emotionally wrung out as a result of my financial stress, I…
 
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    Phroogal Blog

  • The 5 Most Basic Finance Tips for Millennials

    The Phroogal Max
    20 Oct 2014 | 12:12 pm
    Being a millennial, you are surrounded by older adults who want to tell you what is best for you and your financial situation. The truth is that times have changed and there are a lot more things you need to worry about when it comes to your personal finances. Instead of telling you exactly what to do, here are the 5 most basic finance tips for millennials! -Be Realistic Normally, the word realistic has a negative connotation, but when it comes to budgeting, it has the best connotation. Being realistic about your expenses is huge when it comes to preparing a budget. You don’t want your…
  • Is It Wrong to Use a Coupon on the First Date?

    Valencia Higuera
    14 Oct 2014 | 12:55 pm
    A couple days ago I was researching ways to save money on a first date for an upcoming article and stumbled upon this tip — never use a coupon on the first date. Immediately, I thought the tip was outdated — especially since it seems like everyone is interested in saving money. However, after reading the article comments, it appeared that I was alone in my thinking. Many of the commenters agreed with the article writer and felt that anyone who uses a coupon on a first date is a cheapskate who doesn’t deserve a second date. But even after reading…
  • Money Lessons with a Pastry Chef!

    The Phroogal Max
    13 Oct 2014 | 2:24 am
    For part 3 of our Money Lessons series, I had the pleasure of interviewing Chef Jone, a pastry chef here in San Francisco. From growing up with a mom who loved to cook, to affording groceries, to taking his love for food and making it a profession, this interview has it all! Tell everyone a little bit about yourself. My name is Jone Mack, I’m 33 years old, and I have been a pastry chef for a catering company for 8 years now. How did you get into cooking? I’ve been into food and cooking for as long as I can remember. My mom was always cooking and I would always help her out and try to…
  • Friday Five: 5 Ways to Buy Food You Love, Phroogally!

    The Phroogal Jason
    10 Oct 2014 | 3:57 pm
    Its’ been a pretty great week and for many of you a crazy busy one. My iPhone was going crazy throughout the week with family and friends sharing how busy their days were and how they couldn’t wait for the weekend. The weekends are great when you can just sit back and do nothing but frustrations kick in when Monday rolls back. I started asking my family and friends what their plans were for the weekend and it all involved shopping for food. So naturally the conversation went to how food costs just continue to climb upwards and for the most part clipping coupons wasn’t doable because of…
  • How the “Little Things” can Control Your Financial Health as a Millennial

    Phroogie Guest Blogger
    9 Oct 2014 | 6:13 am
    The other day I was in my apartment after a long workday and the internet was down. Seeing as though I didn’t have much else to do without my beloved muse, I decided to re-watch one of my favorite movies: Vanilla Sky. For those of you who have not seen the film (shame on you), the story is focused on Tom Cruise’s character getting in a horrible accident being left with a deformed face. He must then go through life wearing a mask, reinventing his identity and hiding himself from his former life. The movie ends with a quote that I will never forget, “the little things in life……
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    Student Debt Relief | Student Loan Forgiveness

  • Are Student Loan Defaults Going Down?

    Kevin Findley
    15 Oct 2014 | 7:08 am
    Last month, the Education Department released its annual report on federal student loans in default showing results that makes everything look A-OK!. This is the Three-Year Cohort Default Rate and on the face of it, the news is very good. The rate for students going into default on their federal loans in 2011 is 13.7 […]The post Are Student Loan Defaults Going Down? appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Predatory Student Loan Lenders Sued In Illinois Court

    Demetrios Sourmaidis
    2 Oct 2014 | 11:19 am
    In September, the Consumer Financial Protection Bureau filed a lawsuit with the Northern Illinois District Court against Corinthian Colleges Inc. In it, they accuse the corporation, made up of for-profit colleges Everest, Heald and Wyotech, of predatory student loan lending, illegal collection practices and misleading potential students about job prospects and placement after graduation. In […]The post Predatory Student Loan Lenders Sued In Illinois Court appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Looming Student Loan Debt Crisis Creeps Closer

    Demetrios Sourmaidis
    27 Aug 2014 | 11:55 am
    According to data released this month from the Department of Education, the looming student loan debt crisis appears to be getting closer. Over half of all Direct Loans are now behind on their repayment schedule. This isn’t a small number, as Direct Loans make up the largest percentage of federal student loans. Increased Debt, Decreased […]The post Looming Student Loan Debt Crisis Creeps Closer appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Which Student Loan Consolidation Company To Choose

    Demetrios Sourmaidis
    11 Aug 2014 | 6:00 am
    Many companies in the business of helping students and parents through the student loan process are legitimate. They work hard to find the best options for their clients in securing and then repaying their federal student loans. These companies will work in the best interest of their clients, who in many cases are stuck with […]The post Which Student Loan Consolidation Company To Choose appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Dynamic Student Loan Repayment Act

    Demetrios Sourmaidis
    1 Aug 2014 | 12:14 pm
    We’ve reported before on efforts by the Obama Administration and members of Congress to reduce student loan payments and reform the various student loan programs. In particular, Senator Elizabeth Warren of Massachusetts has made this one of her more popular causes. Efforts to deal with the current $1.2 Trillion in student debt have been for […]The post Dynamic Student Loan Repayment Act appeared first on Student Debt Relief | Student Loan Forgiveness.
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    Investing in Your 401k Kid | RSS Feed

  • Just Start: Teaching Teens About Money

    Bret
    19 Oct 2014 | 8:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids We’re in the middle of a webinar-based program for parents right now, and had a Q&A session last week. One of the parents had some great questions: How do I get started teaching my kids about money? If I’m going to to an allowance, which categories should I start with? How much should the allowance be? These are great questions, all centered around the question of “How do I get started?” The simple answer is, the important thing is just to start.  Do anything.  Take the first…
  • Teens Behaving Badly: Allowance Disasters

    Bret
    10 Oct 2014 | 12:42 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids If your teen is on an allowance, you’ve got to be prepared for impending disaster. They will make allowance mistakes. It’s coming, trust me. It’s just a matter of how big, and when. If your teen isn’t on an allowance yet, you’ll want to go a back a few weeks and start at the beginning of our teens and money series. The good news is, any mistakes your teen makes with an allowance should be expected. The better news is, mistakes are completely necessary, and this is one of the reasons that you’re…
  • What Happens After Share, Save, Spend?

    Tracie
    4 Oct 2014 | 12:20 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids   So, you thought the hard work you did to teach your kids about money was working perfectly, until suddenly it wasn’t any more. The piggy bank was great.  Share, Save, Spend jars worked just fine… for a while. But now you have a teenager. And everything is falling apart. We know how you feel.  In one 24-hour period this past week one of our kids ran out of gas in the pouring rain, left his lights on and killed the battery dead AND forgot his uniform for a cross country meet.  Teens are a…
  • Keeping Tabs on Your Teen’s Allowance

    Bret
    27 Sep 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Once you’ve started handing over cash every month, your next goal should be working out how to keep track of your teen’s allowance.  Don’t worry, we’re here to help with some pretty simple ideas. (Don’t worry, this will be fun!) If your teen receives an allowance, you need to have frequent accountability conversations to ensure everything is going according to plan.  These conversations will help you accomplish several important goals: You will know where your teen is…
  • Your Kid’s Allowance: Five Secrets for Success

    Tracie
    13 Sep 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Starting your teen on an allowance Would you like to start your teen on an allowance, but don’t know where to start? Or is your teen already on an allowance that’s not working, and you want to get it back on track? I’ve got some good news hear that should get you on the right path. Here are the five things you need to know to find success with your kid’s allowance: 1. An allowance is a teaching tool. 2. An allowance should cost you zero dollars. 3. An allowance is YOUR money, not the child’s…
 
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    iMoney.ph

  • Deal With Financial Emergencies

    imoney
    21 Oct 2014 | 5:28 pm
    Ever been blindsided by a sudden expense that wiped out all your savings and left you in a financial hole? It happens to all of us. Since emergencies like a sudden medical operation, or your car breaking down, or an unexpected job loss are hard to foresee, they can take you by surprise, and if you’re not prepared, you could be overwhelmed. Dealing with financial crises can be difficult, but there are ways you can address the situation without putting yourself through too much hardship. See how you can avoid being buried in debt when you try to deal with financial emergencies in six simple…
  • Ask For A Raise — 6 Do’s (and 1 Don’t)

    imoney
    19 Oct 2014 | 6:27 pm
    Asking your boss for more money is hard. We can’t all be that Wells Fargo guy who asked for $10,000 raises for more than 250,000 employees at the company. But you’ve been performing really well lately and you think you deserve a raise; how do you go about doing it? You should be paid what you’re worth, and you shouldn’t be afraid to ask for it. So we’ve listed 6 do’s — and one don’t — that you should keep in mind when you ask for a raise. Here’s what you need to do to get the raise you deserve: Time your request. Timing is everything. Some good times to ask for a raise:…
  • 37 Ways To Save Money Right Now

    imoney
    15 Oct 2014 | 6:08 pm
    We all want to start saving. But when money is already tight, it’s hard to find any extra money anywhere that you can put away in a savings account. So to help you out, we’ve found 37 ways to save money right now. You don’t have to do all of these (and we wouldn’t want you to — there is such a thing as being too frugal). But implementing even just a few of these tips can have a dramatic impact on your finances. Find out which tips will suit your lifestyle the best, and you’ll be saving money in no time: Cut your cable. Not only will you save at least P3,600 a year (assuming you…
  • Financially Prepare To Quit Your Job

    imoney
    14 Oct 2014 | 6:20 pm
    Last week, we told you the signs that it’s time to look for a new job. But quitting, while it can feel exciting and relieving, is also scary. After your last day, you’ll have new problems to encounter. How are you going to pay your bills? How will you find a new source of income? Who will support your household? Change hits hard. But a little bit of planning can help soften the blow. Below, we’ve listed a few steps to financially prepare to quit your job, so that you can more easily and more comfortably transition to your new vocation, whether that’s new employment or…
  • What Can You Buy With P1.2 Billion?

    imoney
    12 Oct 2014 | 6:52 pm
    If you’ve been following the news, you’ve seen the senate hearings about the allegedly overpriced Makati City Building. And now, there’s “Hacienda Binay”, which former Makati City vice mayor Ernesto Mercado estimated to have cost around P1.2 billion at a Senate hearing. For his part, Vice President Jejomar Binay has denied that he or his family is the owner of this property: (screengrab from Mercado’s video presentation) But for us regular folk who don’t have billions sitting in our bank accounts, it’s hard to wrap our brains around these amounts of money being thrown around.
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    Find Your Balance

  • Scary Good Halloween Party Savings

    balanceblogwriter
    21 Oct 2014 | 6:57 am
    There was a time when Halloween budgets focused on kid items: colorful plastic superhero costumes, paper spider decorations with moveable legs, and bags full of little sugar bombs. But more and more, Halloween is becoming a major celebration for adults, too. If you’re one of those overgrown kids who loves to celebrate the scariest night of the year, you can do so without being terrified to look at your checking account on November 1. Creative costumes If you wanted to invest in an industry growing at an explosive rate, you could do a lot worse than the adult costume racket. Unfortunately,…
  • Rolling Over a 401(k) to an IRA: You Make the Call

    balanceblogwriter
    16 Oct 2014 | 5:10 pm
    If you’ve got retirement money residing in a 401(k) with a former employer, you’ve probably been wondering whether or not you should roll that money over to an Individual Retirement Account (IRA). You’ll want to consider several criteria before doing so. A rollover to an IRA might be right if you: Want more flexibility and control with your investment choices May need to borrow money from your retirement account and are above age 59.5 Are concerned about a possible large tax hit to your beneficiaries in the future Want to consolidate multiple retirement accounts Are looking to maintain…
  • What are Bankruptcy Risk Scores?

    balanceblogwriter
    14 Oct 2014 | 5:02 pm
    Although much more information has come to light about credit scores and how they are calculated over the past several years, their cousin the bankruptcy risk score has remained mysterious. While what the general public has been told is limited, a few of the basics are known. What are they? Bankruptcy risk scores are an attempt to attach a numerical value to the likelihood you will declare bankruptcy. This differs from credit scores, which attempt to measure the likelihood you will pay back a debt. How are they calculated? Like credit scores, bankruptcy risk scores are based on information in…
  • 5 Secured Credit Card Must-Knows

    balanceblogwriter
    13 Oct 2014 | 1:00 am
    A secured credit card can be a wonderfully effective tool for building a positive credit history or gaining entrance into the world of credit. Because it allows people with little financial history or less-than-perfect past credit to have and use a genuine credit product, a secured card can open up myriad opportunities for the future. However, not all offerings are created alike. There are a few basic criteria to make sure you understand before you jump into this type of account. Deposit Secured credit cards are generally easier to qualify for because you are essentially putting down a…
  • Beware Bait and Switch!

    balanceblogwriter
    10 Oct 2014 | 1:00 am
    Retailers and other companies have gotten very good at convincing you to buy their products. While most of these appeals are perfectly within their rights, there are a few deceptive practices that can actually be illegal. Bait and switch is one of these. What is it? Bait and switch refers to the practice of advertising a product or service at a low price to entice you into the store, only to claim that the original sale item is no longer available. You are then pressured to buy a higher-priced product instead of the one you originally came in for. What’s an example? While browsing ads for a…
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    Gajizmo

  • How Much Car Can I Afford?

    Gary
    20 Oct 2014 | 2:01 am
    Let me preface this article by saying: don’t be one of those people in the grocery store who pays with EBT or food stamps (there is nothing wrong with social welfare) and then puts their groceries into a Range Rover or Cadillac Escalade (there’s something really wrong with that). Alternatively, don’t drive around with a Bentley and then pull up to a rent-controlled apartment. Just a few recent observations that partially fueled the creation of this post. With the US auto industry still in recovery mode from recent years of poor sales, now could be a great time to buy a new or used car…
  • Credit Score Range – What Is A Good Credit Score?

    Gary
    14 Oct 2014 | 2:05 pm
    Credit scores are some of the most confusing, yet essential components of personal finance. Reminiscent of our school days, consumers are basically “graded” on how well we manage our finances, ranging from Excellent to Poor, rather than A to F. If you’ve never applied for a mortgage or auto loan, you’ve probably wondered “what is a good credit score?” The simple answer is that credit scores range from 300 to 850, with 850 being the highest and best score. Additionally, a good credit score is anything above 720. There are a few legitimate ways to view your credit score online, but…
  • 101 Random Acts of Kindness Ideas

    Gary
    10 Oct 2014 | 12:20 am
    When you decide to do something nice for someone, just carry out your random act of kindness, wish them a great day, and walk away. An act of kindness should come with no strings attached, so don’t ask for their phone number, invite them to dinner or a party, or Facebook stalk them later that night. Just knowing that you made someone else smile or feel appreciated should be enough to brighten your own day. Check out our 101 Random Acts of Kindness Ideas below. Random Acts of Kindness 1. Everybody loves a free treat once in a while, why not make someone’s day better by paying for his/her…
 
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    Personal Finance AdvicePersonal Finance Advice

  • How are you Going to Save this Holiday Season?

    Chris Bibey
    17 Oct 2014 | 6:48 am
    With the holiday season right around the corner, retailers are beginning to ramp up in anticipation of what is sure to be an exciting time once again. Although you still have plenty of time to purchase gifts for those special people in your life, there is nothing wrong with getting an early start. Like most, you probably have a budget for holiday gifts. As long as you know what this number is and are willing to stick to it, you will go into the new year feeling good about yourself. Here are several tips to follow if you are looking for ways to save this holiday season: 1. Don’t wait until…
  • Important Mortgage Loan Questions to Ask

    Chris Bibey
    19 Sep 2014 | 7:42 am
    There are a lot of questions to ask and answer as you search for a new home. While the act of finding a property can be downright exciting, the same cannot always be said for securing a mortgage. From local lenders to those that do business all over the country, you will be faced with many options along the way. How you make a final decision is up to you, however, there are steps you can take to improve your chance of success. Here are three mortgage loan questions to ask, regardless of which lender you are speaking with: 1. What is the best interest rate you can offer? Like most, this is the…
  • 5 Common Car Salesman Lies

    Chris Bibey
    12 Sep 2014 | 7:42 am
    Buying a car is a big decision for many reasons. Not only is this the vehicle that will get you around, but it will have some sort of impact on your finances. For this reason, you never want to make a decision until you are 100 percent comfortable with exactly what you are getting. Unfortunately, this is easier said than done because some car sales people don’t have your best interest in mind. Instead, they want nothing more than to make a deal, even if it means you are unhappy in the end. Here are five common lies that you need to be aware of: 1. The car is waiting for you. There is…
  • Three Valuable Changes to make after Moving into a New Home

    Chris Bibey
    28 Aug 2014 | 5:56 am
    There are not many things in life more exciting than buying a new home. While this is sure to be stressful at times, in the end it is your hope that you have a big smile on your face. Just because you move into a new home does not mean it is going to be perfect. In fact, some people purchase a property with the thought that they will move in and make immediate changes, all of which will increase the value and allow them to live more comfortably. If you are looking to make changes that will add immediate value to your property, here are three to consider: 1. New kitchen. When it comes to…
  • How to Pay for College on a Budget

    Chris Bibey
    22 Aug 2014 | 7:22 am
    Are you looking forward to attending college, but unsure of how you are going to make ends meet? With the cost of school on the rise, you have to know what you will be up against as you get started with your first semester. If you are on a tight budget, it does not mean you have to forgo college and enter the working world. There are things you can do to improve your situation, making it possible for you to save money while getting the education you have been dreaming of. Go to School and Get a Job Despite the fact that college courses are sure to take up a lot of your time, if you can work…
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    Mad Fientist

  • Empire Flippers – Buying and Selling Websites

    The Mad Fientist
    22 Oct 2014 | 3:22 am
    Justin Cooke from EmpireFlippers.com was kind enough to join me for an episode of the Mad Fientist Financial Independence Podcast! Justin and his business partner created a marketplace for buying and selling online businesses so today I tap into Justin’s vast knowledge about both sides of online real estate transactions and take a behind-the-scenes look into the process of online business investing. For those of you who enjoyed my interview with Billy Murphy from ForeverJobless.com, you’re going to love today’s interview because we dive even deeper into the process of buying…
  • Guinea Pig – Update #6 and Giveaway

    The Mad Fientist
    14 Oct 2014 | 8:50 am
    Welcome to the ninth month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. I’ve decided to cut back on the GP updates to once per quarter, rather than once per month, so here’s what’s been happening since the last update… The Optimized GP has maxed out his 401(k) (but left enough of a buffer so that he can continue contributing 3%…
  • Why I’m Moving My Money to Betterment

    The Mad Fientist
    15 Sep 2014 | 5:51 am
    I’ve made a big decision. I plan to transfer the majority of my taxable money to Betterment. For those who haven’t heard of it, Betterment is an online financial advisor and portfolio manager that has been increasing in popularity over the last few years. Since my decision to hand over the keys to someone else will likely come as a big surprise, I’ll start this story from the beginning. Chatting with the CEO About a year ago, I attended a financial blogger conference in St. Louis. On the first night, I was having a beer with none other than Jim Collins from JLCollinsNH.com…
  • Guinea Pig – Update #5

    The Mad Fientist
    21 Aug 2014 | 5:51 am
    Welcome to the seventh month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. It’s been another exciting month for the Optimized GP. He maxed out his 401(k) (leaving enough room to continue contributing 3% every month to get the full employer match) and he’s now moved on to his Traditional IRA. To see why he’s going with a Traditional IRA…
  • The Power of Quitting

    The Mad Fientist
    15 Aug 2014 | 5:34 am
    I was nervous when I walked into the meeting room with my boss. Breaking up is never easy to do, even when you are the one doing the breaking up. On my journey to financial independence, I sometimes dreamt about the day I would be able to walk into my boss’s office and quit. On particularly bad days at work, I would think about all the things I would say and that would make the hard times easier to get through. As I sat there though, chatting nervously about work, I mainly thought about the good things about my job. It’s amazing how you are able to see something in a different…
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    Getting Ahead, A Personal Finance News & Exchange

  • Pay Off Student Loans or Save for Retirement — What Should I Do First? (Hint: It's a Trick Question)

    20 Oct 2014 | 6:00 am
    <br /> <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/student-loans-question-mark.dib?sfvrsn=2" alt="student loan, retirement" title="Student loans question mark" /><br /> <br /> <p>For many Americans, student loans are as much a requirement for obtaining a four-year college degree as decent SAT scores. With all of the scare stories in the media about the crushing burden of student debt and the consequences of stretching repayment, young graduates may be tempted to postpone buying a home and saving for…
  • Tapping Your Home Equity - Part 1

    15 Oct 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/tapping-home-equity.jpg?sfvrsn=2" alt="home equity " title="tapping home equity" /><br /> <br /> <p>The mortgage meltdown of the last decade threw cold water on what had been a very popular way to raise cash: tapping the equity in your home. Equity is the difference between what you owe on your mortgage(s) and what you could sell your home for. As home prices rise, some homeowners will find there&rsquo;s a lot of value &ldquo;locked up&rdquo; in their…
  • Money Saving Tips to Stretch Your Fall Clothing Budget

    13 Oct 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/savings-on-fall-clothes.jpg?sfvrsn=2" alt="money saving tips " title="savings on fall clothes" /><br /> <p>When the fall fashion issue of our favorite magazine hits the newsstand, we're often tempted to head straight to the mall to emulate those fabulous runway styles for ourselves. Unfortunately for most folks, designer labels can be a little out of reach. But with the right shopping strategy, you&rsquo;ll be surprised at just how far your clothing budget can take…
  • Student Loans: Don't Get In Over Your Head

    10 Oct 2014 | 6:00 am
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/student-loan.png?sfvrsn=5" title="Student Loan" /><br /> Student loan debt is known as"good debt." Used properly, student loans can be your ladder to a professional career with high earning potential. Used carelessly, student loans are a nightmare that you won't wake up from for up to 30 years. Not borrowing more than you can afford is the best way to avoid the nightmare.</p> <h2>Understanding Student Loan Obligations</h2> <p>Before you incur…
  • Back to School Review: Planning for College Costs

    8 Oct 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/back-to-school-saving-for-college.jpg?sfvrsn=2" alt="student loans" title="Back to school saving for college" /><br /> <br /> <p>If you&rsquo;re the parent of a 12-year-old, I hope you&rsquo;re sitting down. If your child were entering college this year, you&rsquo;d be facing an average cost of $111,744 for a four-year degree &mdash; at an in-state public university. A private college costs more &mdash; a lot more: an average of $219,996. But…
 
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    Rockstar Finance

  • 16 Rich Habits

    J. Money
    22 Oct 2014 | 3:30 am
    “8. Set goals, not wishes. You cannot control the outcome of a wish, but you can control the outcome of a goal. Every year, 70 percent of the wealthy pursue at least one major goal. Only 3 percent of those struggling to make ends meet do this.” Check out all 16 (pretty interesting) habits here: Success.com ——– [Photo cred: extended.epiphany]
  • Confessions of a Financial Services Worker

    J. Money
    22 Oct 2014 | 3:15 am
    “When I hung up the phone I looked at the profit and loss report. Not for the client’s profit or loss, but for my commission. It said $2,000. I felt sick to my stomach. Literally. I went to the bathroom and I sat on the toilet with my head in my hands thinking about how I had charged this great man $2,000 when I knew I could do it for $9.99 at a low discount brokerage firm. I couldn’t handle it. And I quit the firm within 6 months.” Check out the whole (fascinating) article here: PragCap.com —— [Photo cred: epicharmus]
  • Do The Work

    J. Money
    22 Oct 2014 | 3:00 am
    “In today’s world a swipe of plastic can allow you to have anything you want. Debt is so easy, and it’s so available. That’s why so many people are in debt. It’s f*cking easy! Buying a stock is easy, buying a lottery ticket is easy, playing blackjack is easy. Budgeting is hard work! Getting out of debt is hard work! Making real money is hard work! Sounds like if it’s hard, it’s probably worth doing.” Check out the entire article here: ListenMoneyMatters.com
  • I See Dead People, Everywhere

    J. Money
    21 Oct 2014 | 3:30 am
    “I see dead people, every day – people whose dreams died many decades ago. I see their lives unfold inside a cubicle as they devour their sandwiches in front of their excel spreadsheets. I see many others who perpetually chase money to fund their status symbols and are always angsty and never satisfied. Like a rat on the treadmill, their search for peace ended the moment they got onto the treadmill.” Check out the (concise) post here: WhiteCollarFreedom.com
  • What I Know About Myself and Money

    J. Money
    21 Oct 2014 | 3:15 am
    “There are certain people in my life that are really great, but holy jesus they complain a lot about first world problems… day in and day out. I do think that perhaps they have lost a lot of perspective of what real problems are. I also believe that the more you complain about something, the more it infiltrates your life, meaning if you constantly complain about sniffles, headaches, a sore back… the problem seems to magnify itself because you focus on it so much.” Check out the entire post here: BudgetandTheBeach.com —— [Photo cred: MoneyBlogNewz]
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    Doctor Of Credit

  • My Experience Signing Up for REDbird and Some Identity Verification Ponderings

    Chuck
    22 Oct 2014 | 3:00 am
    Getting the Bird I was passing through Maryland, and decided to stop into Target for a REDbird. Currently I have Serve and I’m not planning on switching right now since we all assume that the credit-card-load option will stop sooner or later. But a relative of mine had no problem with me opening a card in his name, so I stopped into a Target to pick one up. Everything went surprisingly smoothly. I found the store stocked with lots of REDbirds, and I had no problem checking one out. The process went as follows: the cashier scanned the REDbird and I requested to load $20. (I know, I…
  • Citi Rebrands AAdvantage Credit Cards & Ups Public Sign Up Bonuses

    William Charles
    21 Oct 2014 | 9:31 pm
    Citi seems to be a company with a mission at the moment and that mission is to gain market share in the lucrative credit card market. They’ve recently launched their double cash card, completely revamped their Expedia cards, announced they will offer free FICO scores to cardholders and all of this was on the back of a massive 100,000 mile AAdvantage credit card offer. Their latest addition is less exciting, they have changed what the AAdvantage cobranded credit cards look like. In addition to this the public sign up bonuses have increased, unfortunately they are still at the same level…
  • President Obama’s New “BuySecure” Executive Order Summary

    William Charles
    21 Oct 2014 | 8:52 pm
    On October 17th, President Obama signed a new Executive Order called the BuySecure initiative. The aim of BuySecure is to help securing transactions and sensitive data in light of all the recent data breaches. When announcing this new intiative President Obama said: When buying the things you need without risking your identity, your credit score or your savings. You can view the speech Obama made at the CFPB headquarters by viewing this C-Span video (warning: ~16 minutes long). We’ve also outlined the major announcements below: Citibank will offer consumers access to their FICO score…
  • Citibank To Start Offering Cardholders Free FICO Scores

    William Charles
    21 Oct 2014 | 10:25 am
    Citibank has announced that starting in January, 2015 they will provide their cardholders with access to their FICO score for free. Unfortunately this won’t be able to all Citibank cardholders, it will only be available to those who hold a Citibank branded card. Those with a co-branded card (e.g Expedia & American Airlines) will not have access to this score. Here is some more key information about this offering: Scores will be updated monthly The score used is the same score used by Citibank for their credit card lending decisions. Presumably an industry specific bank card…
  • $100 Toys R Us Giftcards For $85, Small Money Maker

    William Charles
    21 Oct 2014 | 8:26 am
    The Offer Direct link to offer (make sure you shop through TCB to get 1.5% cash back) eBay is currently selling $100 Toys R Us giftcards for $85 shipped, this is a potential small money maker (see our verdict section) The Fine Print Limit of two gift cards per registered eBay user Offer is while supplies last only Giftcards are supplied via GiftCardMall May be used on purchases at Toys R Us or Babies R Us in the U.S., Puerto Rico and Canada, or at Toysrus.com or Babiesrus.com Our Verdict Here is how to make this a profitable deal: Purchase $100 gift card for $85 (-$85) Use a rewards earning…
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    moneypantry.com

  • 15 Best Places to Sell Used/Old Laptops for Cash

    Satrap
    21 Oct 2014 | 10:35 am
    As the manufacturers of durable electronic products keep modifying their goods to offer better features and facilities to consumers, many electronic items become obsolete a bit too fast, making disposal of older models a bit difficult. You don’t need your old laptop anymore because you got a new one. You don’t like throwing it away either. So, what do you do?… You sell it for cash! Thankfully, there have appeared quite a few websites allowing consumers to get cash for old electronic gadgets like laptops, phones, and TVs that they don’t require anymore. Here are a couple of…
  • 50 Ways to Save Money on Groceries for Large & Small Families

    Satrap
    20 Oct 2014 | 11:22 am
    Food is one of the main expenses for almost every family. If statistic from Bureau of Labor Statistics’ Consumer Expenditure Survey is right, a typical American household spends $537 every month on food, with about 60% of that amount going towards groceries. Now, whether you are a large family or a small one, with better organization, you could spend less. After all, food related expenses got to be the most flexible component of the entire budget. Truth is, you probably have known a number of ways to save on groceries; e.g. using coupons, smart shopping while at the mall, or perhaps turning…
  • Plated is Offering 4 Free Meals Plus a Free Trial

    Satrap
    18 Oct 2014 | 12:32 pm
    We all want to save money on food. And what you are about to read may seem like wasting money on the surface, but for some people it actually can be a great way to save some money on food by helping them eliminate throwing thousands of dollars worth of produce and ingredients in the garbage. Plated, a food delivery service that sends you fresh ingredients along with the recipe for each meal, is offering a free trial and 4 free plates to new members. Although the trial is free, you do have to pay a $20 shipping fee for the 4 free meals. But even with that, it still is a great deal. You are…
  • Get Paid $60 to Install the SavvyConnect App

    Satrap
    17 Oct 2014 | 10:31 am
    I am a big fan of taking surveys for little extra money, but like most people, I would love to have that extra money without actually taking any survey. So when I heard about the SavvyConnect, I knew I had to share it. If you have always been wondering “how to make money with paid surveys without actually taking a survey”, here is your chance. So, Here is the Deal: SavvyConnect will give you up to $60 for installing their app. You can get more details and install the app by visiting SavvyConnect.com. But before you join, read the rest of this post to make sure you know everything…
  • How to Earn Free Gift Cards Online with MyPoints: a Review

    Satrap
    16 Oct 2014 | 10:30 am
    It’s probably not the first time that you’ve heard about MyPoints. Chances are, you’ve read about it from other make money online websites or maybe from a friend raving about it on Facebook. But like many others, you probably don’t know the exact details of how to use it and why it’s such a fantastic program. Well, look no further. Below is a quick review of MyPoints and the things that you need to know about using it to earn free gift cards.   What the Heck is MyPoints Anyway? It’s an online rewards program, much like Memolink, or the most famous one,…
 
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    CompareHero Malaysia

  • Hunting for Great Bargains? Asia’s Top 5 Fashion Shops Online

    CompareHero
    21 Oct 2014 | 9:53 pm
    There’s something to be said about the benefits of shopping in your pajamas in the comfort of your own home. Thanks to the Internet, you can not only do just that, you can also buy great fashion items at lower prices compared to buying from stores! Enjoy a laid-back weekend shopping online for great fashion finds. We found the top 5 fashion shops online in Asia offering the best fashion collections and the greatest bargains just for you! 1. Asia Fashion Inc. - www.asiafashioninc.com   Founded by Timothy Chen and Aidan Yeoh, Asia Fashion Inc. aims to lead the Asia Fashion Revolution by…
  • 7 Surprising Ways to Save Money on Clothing

    CompareHero
    19 Oct 2014 | 10:24 pm
    Shopping, especially clothes shopping, is a big financial trap. Sure, there are many tips and tricks on how to save money when going grocery shopping or living on a budget, but clothes shopping is often where we splurge and binge. These days, everyone is fashion-conscious, which leads almost everyone to buy expensive branded clothes instead of going for the alternative generic basics. But how do you stay fashionable and save at the same time? Ladies, pay attention: here are seven surprising ways to save money on clothing! 1. Off-Season Shopping   Boutiques and department stores usually…
  • Overseas Working Holiday: Is it Good for Your Career?

    CompareHero
    17 Oct 2014 | 3:43 am
      You may have heard of the working holiday scheme, which allows Malaysians to get a working holiday visa to stay and work in New Zealand and Australia for a year. This scheme presents a good opportunity for anyone who wants to travel abroad and get paid for it at the same time. During a working holiday, participants typically take up jobs they won’t normally have in their own country--for instance, picking strawberries on a farm or working as a bartender or waiter in a pub. The scheme, however, is appealing especially to young people because you can earn money and get to see the world…
  • Career Hacks: 5 Tips on How to Dress for Success on a Budget

    CompareHero
    16 Oct 2014 | 6:00 pm
    Whether you’re a fresh grad just starting on your first job or someone who’s been pushing pencils for a while now, it’s always a good to dress for success when you go to work! Not only do you make a good impression, but power dressing actually does wonders for your confidence and motivates you perform better at work. Your appearance also affects how your colleagues and superiors interact with you. You don’t actually need to spend too much on work clothes. Here are our essential tips on how to dress for success on a budget: 1. Inventory Your Basics & Essentials   Every guy or…
  • Need a Career Boost? 7 Online Courses to Help You Earn More Money

    CompareHero
    15 Oct 2014 | 7:40 pm
    Do you feel that you've some wasted potential? Do you want to earn more money but are somehow stuck at your present job? One thing you can try to do to keep you on your toes again is to learn a new skill or further your education. Learning is a continuous process, and your jobs shouldn’t hinder you from gaining new knowledge and learning new skills. Taking a graduate program, however, can be a little tricky. Aside from scheduling and financial issues, some employers might not be so encouraging of your plans to take up an additional course. Luckily, there are now plenty of online classes…
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    Financial Market Vigilante

  • Investors Beware, U.S. Fiscal Spending Shift Coming

    30 Sep 2014 | 6:56 am
    As we approach the 2014 mid-term elections, U.S. fiscal policy is an economic headwind without any apparent current political movement to change.The relatively tight policy as measured by rate of growth is a counter inflationary force foremost, but also potentially slows down economic growth. You can see the evidence that the present fiscal policy is currently tight by reviewing the August 2014 year over year fiscal expenditure growth rate compared to previous years when the stock market peaked.This data is surprising to many investors because they are so accustomed to hearing how Washington…
  • Lending Activity Heats Up – Should Stock Investors Worry?

    22 Sep 2014 | 6:48 am
    One aspect of the recent U.S. economic growth not widely recognized is that it is being fueled by renewed high levels of debt being taken on by consumers, businesses and investors.Unsustainable debt levels are notorious for derailing GDP growth.  This phenomenon was evident prior to the last two stock market peaks, and the risk has returned to the U.S. market once again.If you review the statistics shown in the table below, you will see that just like 2000 and 2007, debt levels in 2014 have risen to warning zone levels relative to the size of the U.S economy (red = historically high, yellow…
  • Stocks Expensive, Force Building to Knock Bull Down

    15 Sep 2014 | 5:43 am
    Many articles have been released in the media in recent weeks concerning whether the stock market is over-valued or “very expensive” and may be approaching a peak.One highly regarded researcher is Robert Schiller, who in August of 2014 was interviewedby many media outlets concerning the high level of the CAPE Ratio (cyclically adjusted P/E) to give his views.Using this analytical approach he notes, “The United States stock market looks very expensive right now.”I take a slightly different approach to look at the relative value of stocks compared to historical norms, but reach the same…
  • Trend in U.S. Treasury Ownership Highlights Precarious Fed Rate Policy

    9 Sep 2014 | 4:46 am
    Fed policy continues to be aggressively accommodative going into year-end 2014, even as it is projecting a wind down of the massive $1.54T QE program begun in January of 2013.The easiest way to see the market rate impact of the Fed’s QE program and ZIRP (zero interest rate) policy is to review the current Treasury yield curve.  As the above graph shows, the current yield curve is Read more »
  • Watch Out for the Stock Buy-Back Taper

    5 Jun 2014 | 9:01 am
    Back in the year 2000 I got a call from a broker wanting me to take a look at particular large cap financial stock.  The pitch was “the company has lagged its peer group, but it has announced a major share re-purchase program.”  I asked what the company plans were for growth.  Awkward silence was evident on the other end of the line.  I then said, “So you are asking me to buy-out certain shareholders who don’t want to own the company anymore because the management team is struggling to find ways to invest?”  Needless to say, I did not invest in the…
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    Money International

  • Fraudsters Scam Investors Out Of £1.2 Billion A Year

    Vicky Dixon
    21 Oct 2014 | 9:55 pm
    Fraudsters are scamming investors out of more than £1.2 billion a year, according to consumer watchdogs the Financial Conduct Authority (FCA). The average victim loses £20,000 to crooked investment advisers, says the FCA. Now, the FCA is launching a campaign to help investors identify fraudsters. Many of the criminals try to con their victims into investing into dubious schemes that are unlikely to ever produce a profit, such as land-banking, carbon credits and rare earth metals. One investor was called out of the blue by a firm offering to buy shares he held in a company. Bogus advisors…
  • Strong Pound Is Good News For Expat Spenders

    Patricia Smith
    21 Oct 2014 | 9:55 pm
    A stronger pound is good news for expats who have more spending power overseas. Sterling has seen a steady rise against other major currencies over recent months, and the signs are that as the UK economy outpaces recovery in Europe, the gap will continue to widen between the value of the pound and other currencies. So far, the pound is around 9% up against both the euro and US dollar. For expats, the good news also spreads further afield as both the dollars in Australia and New Zealand are falling against sterling. Pushing the value of the pound up are the improving UK economy and general…
  • What Does Ethical Really Mean For Investors?

    Vicky Dixon
    20 Oct 2014 | 10:26 pm
    Investors are keen to buy in to ethical funds and companies but feel they do not have enough information to make their investment decisions, according to new research. Around two-thirds of investors want to put money into ethical investments, buy more than half (57%) want to know more about the companies they are taking a stake in. Around 40% also felt they could not drill down deep enough into details of the shares held by funds so that they could determine whether the holdings met their requirements for ethical investing. This has sparked an interest by some fund managers and investment…
  • Uneasy Ukraine Faces Election Unrest

    Martin Hughes
    20 Oct 2014 | 10:26 pm
    Expats and travellers are warned that stability in The Ukraine may worsen as parliamentary elections are taking place. Election day is October 26, 2014, but the Foreign and Commonwealth Office (FCO) is concerned that demonstrations may turn violent in the run-up period. The FCO has told British nationals to leave The Crimea, as tension remains high. All Ukrainian International Airlines flights to and from Simferopol have been cancelled until October 25 – and they may remain grounded after that date. Clashes with separatists and Russian troops around The Ukraine’s disputed borders have led…
  • Triple Terror Alert For British Expats In France

    Martin Hughes
    19 Oct 2014 | 10:03 pm
    French authorities have issued a security alert for expats and travellers after a series of terrorist incidents. The UK Foreign and Commonwealth Office (FCO) have backed up the warning by expressing three major concerns for expats and tourists in the country. Topping the list is an expected backlash from France’s military intervention with other countries against the Islamic State in the Middle East. Islamist groups have threatened violent retaliation and the government has asked travellers to remain vigilant while increasing security across the country. Visits to Corsica are also a cause…
 
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    SuperMoney!

  • The Ultimate Guide To Buying A New Home

    Jennifer Leonhardi
    21 Oct 2014 | 5:35 pm
    For decades, the idea of owning your own home has been one of the biggest parts of living the great American dream. Recently the nation has seen one of the worst financial periods in recent memory surrounding the housing market. Banks were over eager when it came to lending money, especially to those who were less than credit-worthy, which resulted in the bubble collapsing, and the economic crisis that followed.But in the wake of these events, many people are once again finding renewed faith in the real estate market, and some are finding an even greater advantage now than they may have…
  • 16 Things You Should Never Put On Your Credit Card

    Pamela Britton-Baer
    21 Oct 2014 | 2:34 pm
    Be Honest. There have been times when you’ve bought something truly crazy with your credit cards. That set of Walking Dead garden gnomes? Yeah, that. It’s crazy what people purchase with their plastic, but there’s nuts, and then there’s just plain silly. You might recognize yourself in the following list, but we’re pretty certain some of them might take you by surprise.1. Celebrity Appearances (Yes, People Do That)If your credit limit is high enough you could hire any number of A-list celebrities to visit, appear at your party, or even perform. According to allamericanspeakers.com,…
  • What’s the difference between a secured credit card & an unsecured credit card?

    Andrew Latham
    17 Oct 2014 | 9:24 am
    If credit cards were bicycles, secured credit cards would be a set of trusty training wheels.Related article: How to Get a Secured Credit Card: Your Best Options Sure, they don’t do much for your street cred and you certainly don’t want to be stuck with them for life; but they provide a safe way to learn how to manage your credit. They can also help you build or repair your credit score before you qualify for a big boy’s credit card.So what is the difference between secured credit cards and regular credit cards?Regular credit cards are unsecured loans or lines of credit. This means…
  • 14 Critical Financial Decisions to Make Before Turning 35

    Andrew Latham
    16 Oct 2014 | 12:16 pm
    So you’re close to hitting 35, huh? The clock is ticking and the time we could get away with procrastinating about financial decisions is over. Sigh.This doesn’t mean you have to kiss your free spirit goodbye. No financial goal is worth that; but there are some milestones you may want to consider before it’s too late. Here are 14 financial decisions you should think about before you turn 35.1. Should You Pay off Student Loan Debt?If you haven’t already paid off your student loan debt, you’re not alone. Student loan debt is the only type of debt that has grown since the peak of…
  • 10 Simple Ways To Organize Your Finances & Stay in Control

    Gina Roberts-Grey
    15 Oct 2014 | 2:22 pm
    Lackluster or non-existent organizational skills can be just as dangerous to your financial health as being short on cash.Related article: The Complete Guide to Setting Financial Goals and How to Achieve Them Clutter and confusion can make it hard to keep track of balances and payment due dates. And losing sight of those key items can deflate your credit score and cost you unnecessary fees and/or interest charges.To spare your wallet and prevent a financial headache, we’ve got the top 10 ways to stay on top of your bills and accounts and organize your financial life once and for all.1.
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    Your Smart Money Moves | Personal Finance Blog

  • 10/21/14 Fighting With Your Spouse Over Money?

    Ted Jenkin @ Your Smart Money Moves
    21 Oct 2014 | 3:47 pm
    How to Get Rich w/ oXYGen Financial Topic: Fighting With Your Spouse Over Money? Taped 10/21/14 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Regular Guys and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Breathe easier at http://oXYGenFinancial.net
  • Does Jim Cramer Run Your Portfolio?

    Ted Jenkin @ Your Smart Money Moves
    20 Oct 2014 | 9:04 am
    About a week ago, Marketwatch (www.marketwatch.com) ran story called, “The Most Dangerous Stock Market Since 2008.”   In the past six years of bringing you my Your Smart Money Moves Column, I have shared with you how media can influence what happens in the markets in a very significant way.  Without even reading a lick of this column, would it be any stretch of the imagination to say that if the market hits all time highs that the potential danger gets higher and higher for some type of market pullback? If you really want to see something funny, spend eight minutes today watching this…
  • Don’t Accidentally Pay The Homeless Man Again…

    Whitney Lee
    18 Oct 2014 | 7:40 am
    Let’s face it, the city of Atlanta hasn’t quite perfected the art of mass transit, and sometimes driving to an event is not only easier, but could be your only option. However, once you finally make it near the Dome, Turner Field, etc, the daunting task of finding the cheapest parking rip off still remains. You may creep your way over to that one trusty lot you usually rely on, only to find its full or “prepaid only” that day. Or maybe the only Falcons parking that’s still open is that $60 lot. Once you finally find your space, and pay, how many times have you walked away wondering…
  • How You Can Beat The All You Can Eat Restaurant

    Ted Jenkin @ Your Smart Money Moves
    17 Oct 2014 | 10:18 am
    While buffets have been around for centuries, the “all-you-can-eat” buffet has been rumored to originate in the 1950’s in Las Vegas where some of the best buffets in the world are located.    The All You Can Eat platform has been implemented on colleges, cruise ships, and even at a section in the Dodger Stadium.   Our eyes can become bigger than our stomachs when we glance at all of the delicious items on the buffet.  Crab claws, pizza, egg rolls, pasta, shrimp, and every dessert imaginable.   Here are my three smart money moves on how you can ‘beat’ the…
  • Five Financial To Do’s During Open Enrollment Season

    Ted Jenkin @ Your Smart Money Moves
    15 Oct 2014 | 8:00 am
    Fall signals the changing of the leaves, football Sundays, and Halloween.  It is also the time of year where many of the companies in Atlanta offer open enrollment for your benefits.  With the complication of benefits packages, it is more important than ever that you learn how to make smart money decisions during your two weeks of open enrollment.  Here are my five smart money moves to look at when your benefits season comes this fall.  Don’t wait until the last minute to check your options!! Your Health Insurance Plan Is Sure To Change- Insurance companies today hardly ever let a…
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    Money On Trees

  • Happy One Year to Money On Trees

    Fabio Marrama
    16 Oct 2014 | 12:47 pm
    It’s hard to believe one year has already flown by. We’re excited to be a great resource for our community – no matter what age or stage in life. I must say, it’s definitely a great time to celebrate all that we’ve been able to accomplish over the past 365 days. Along with the variety of blogs we post every week, we’ve also had the privilege to present financial literacy seminars to many young adults from various schools, conferences and events in our communities. We have been fortunate enough to bring Money on Trees seminars to different events within our communities this past…
  • Forking it over: Canada’s Highest Tuitions

    Fabio Marrama
    2 Oct 2014 | 10:56 am
    Let’s be honest – Getting a post secondary degree can be a pretty costly decision. If you’re like me, balancing a serving tray on weekends at a local café pinching the tips I’d earned was my way of “paying for school”. In my spare time, I’d be applying for numerous scholarships and bursaries in hopes that one might slash some dollars off my tuition. Eventually, I paid it off. It wasn’t easy, and it’s not getting any easier it seems. I recently read an article in the Huffington Post on Canada’s Highest Tuitions. It looks like they’ve made a jump. According to a…
  • Identity Theft: Are You Leaving a Paper Trail?

    Fabio Marrama
    25 Sep 2014 | 10:20 am
    The start of the school year means many things – tuition payments, reuniting with friends, textbook shopping and a lot of paperwork. From registering for your student card to wrangling your OSAP applications, before you know it your backpack is full of paper. So, how can a piece of paper be more valuable than your expensive new laptop, smartphone or engineering textbook? Because in the wrong hands, the right piece of paper can lead to identity theft, potentially costing you more in the future. Identity theft is a growing concern in Canada and is defined as having an unauthorized person or…
  • Ten More Ways to Save During School

    Fabio Marrama
    18 Sep 2014 | 7:30 am
    I’ve racked my brain and tried to remember some of the ways I saved when I was in school and thought I would share them with you. Also be sure to check out our posts on budgeting, textbooks and more here. Got your own money-saving tips? Feel free to share in the comments.   1. Share everything. Taking a class with a friend? Consider sharing the textbook. Want to order pizza – see who will chip in. Driving home for the holidays? Make room in the backseat and score a little gas money. All it takes is a quick Facebook status update or a text and you could be on your way to a less…
  • Millennials: Low Paycheques Don’t Have to Hurt High Hopes

    Fabio Marrama
    11 Sep 2014 | 7:56 am
    As a young professional, you may get little empathy when your expected salary is unexpectedly small. You may have heard from that “you need to work your way up” or just “be grateful for what you have” however, your small paycheque may result in older generations feeling the pinch too. An article in the Globe and Mail confirms that you are probably making less money than predicted – the average annual salary for grads is not keeping up with inflation and in some cases has declined. Salaries for graduates six months out of school “went from $41,699 in 2006 to just $42,636 in…
 
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    Bankrate.com » Rates

  • Mortgage rates in Dallas, Texas

    Clare Mallen
    16 Oct 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Dallas.
  • Mortgage Rates in Chicago, Illinois

    Mitch Strohm
    16 Oct 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.
  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    16 Oct 2014 | 9:00 am
    See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Washington, DC

    Clare Mallen
    16 Oct 2014 | 9:00 am
    Here are the weekly updated mortgage rates for Washington, D.C., including the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Houston, Texas

    Clare Mallen
    16 Oct 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Houston.
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    Stock News Desk

  • Apple, Housing Data Pushes US Markets Over 1%

    Marcel Jackson
    21 Oct 2014 | 9:04 am
    New York City, New York – (StockNewsDesk) – 10/21/2014 — The S&P 500 has gained for the 4th consecutive day on the back of robust quarterly results of Apple and better than expected housing data. Last week, a series of domestic data released by the government shrugged off wariness and ignited optimism among investors. Another reason supporting today’s rally is the Chinese data. Chinese growth, though, is at its slowest pace since the slowdown of 2009, is slightly above the market expectations. The annualized GDP of China came in at 7.3% compared to expectations of 7.2%.
  • GoDrive: mobile USB micro SD card reader

    Andy Manalis
    21 Oct 2014 | 8:04 am
    Santa Barbara, CA – (StockNewsDesk) – 10/21/2014 — Pilot Electronics is working on a new USB micro SD card reader for mobile and tablets. The project is under Kickstarter and available for preorder in the Pilot Electronic’s website. This gadget is fully functional with smartphones, tablets, PCs and notebooks unlike other card readers are those operating with only PCs. It can also work with other smart devices that come with USB facility. Do you remember how many times you felt alas for