Personal Finance

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  • 9 Financial Tips Everyone Should Know

    Trusted Single Mother Resources
    Theresa Leschmann
    26 Feb 2015 | 5:30 pm
    Trusted Single Mother Resources Trusted Single Mother Resources - Grants & Financial Resource For Single Moms Wishing you earned more money, had more tucked away in a savings account or knew how to stretch your dollar farther is all well and good. Wishes are only granted in fairy tales, though and creating financial success is something you must work at. No matter what stage of life you are in, having a [...] 9 Financial Tips Everyone Should Know Theresa Leschmann.
  • The secrets to saving $1 million in your 401(k)

    Bargaineering
    Mitch Strohm
    30 Mar 2015 | 12:00 am
    Mitch StrohmIf you’re striving to save for retirement take some cues from the 401(k) millionaires over at Fidelity Investments. According to recent Fidelity data, 72,379 of its 13 million 401(k) accounts now have balances of over $1 million. That’s more than twice as many as in 2012. And while the average annual compensation for these individuals [...]The secrets to saving $1 million in your 401(k) from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • 5 Reasons Never to Pay Off a Mortgage Early (and 1 Reason You Must)

    The Dough Roller
    Rob Berger
    27 Mar 2015 | 7:02 am
    Whether to pay off a mortgage early is an important decision. For some it’s a question of whether to allocate some extra cash each month to the mortgage. For others it’s a question of whether to pay off the home loan all at once. The lump sum approach often becomes an option from an inheritance or life insurance proceeds. The question presents two key challenges. First, for most the mortgage is just one of many financial goals. In some cases prioritizing these goals is easy. One should tackle a credit card bill charging 20% interest before a fixed rate mortgage at 4%. In other…
  • 5 Money Excuses That Keep You Poor

    iMoney.ph
    imoney
    29 Mar 2015 | 6:43 pm
    Some financial things are out of your control. But it’s also really easy to come up with excuses for not saving money, or not investing, or not fixing your bad financial habits. If you’re not careful, these excuses will put you in a terrible position in the future, and you might find yourself with no money at all. Read on for the money excuses that keep you poor: 1. I’m not ready to save. I’ll do it when I make more money. Photo: Shutterstock If everybody did this, nobody would ever save anything. It doesn’t matter whether you make P10,000 or P100,000 a month — you should be…
  • 7 Expenses to Cut from your Budget

    Advantage CCS » Blog
    Lauralynn Mangis
    19 Mar 2015 | 12:47 pm
      Almost everybody is looking to live within a budget these days, either to live in the manner they would like or to save for a specific life goal, such as...The post 7 Expenses to Cut from your Budget appeared first on Advantage CCS.
 
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    I Will Teach You To Be Rich

  • New — my definitive guide to getting a raise and boosting your income

    Ramit Sethi
    30 Mar 2015 | 2:16 am
    I’m always surprised when I hear that people on Reddit and YouTube don’t hate me. They usually hate anyone who sells anything (“what a scam!!”) or anyone who talks about earning more vs. cutting back on the grains of rice in your dinner (“frugality is everything!”) However, the one area where everybody loves IWT is my negotiation material. I swear to god, just look at these comments. I always tell you, we aim to make our free material better than anyone else’s paid stuff, and apparently it’s working. FINALLY! But the Asian/Indian in me notices the one thing that could be…
  • Tonight — How to find your Dream Job webcast at 9pm

    Ramit Sethi
    23 Mar 2015 | 5:00 am
    Tonight, I’m giving a live presentation on finding your Dream Job. I noticed you haven’t signed up yet, so before you decide, let’s try to put these 3 pieces together. Data point #1: “45% of Americans say now’s a good time to find quality job, highest since May 2007.” Data point #2: Look at this article on unemployment stories. The stories are heartbreaking. Then look at the first comment, where a hiring manager says they’ve had open positions for 2 years but cannot find ANYONE qualified enough to apply. (Other commenters don’t believe it at all. How can this be??
  • Using judo techniques to find your Dream Job

    Ramit Sethi
    20 Mar 2015 | 4:00 am
    I LOVE the email responses to this week’s post about why our parents push us to be mediocre. We’re talking about finding our Dream Job, and the feedback revealed something really interesting. Remember, our job is where we spend 8+ hours a day. If we can find a Dream Job that challenges us, teaches us great skills, surrounds us with amazing people, and pays us what we deserve…THAT gives us a huge amount of freedom in our lives. Notice this: When we think about our careers, it’s so easy to point to the EXTERNAL factors holding us back: Our parents’ expectations, our lack of the…
  • Why do your parents push you to be mediocre?

    Ramit Sethi
    18 Mar 2015 | 5:00 am
    Why are our parents and friends always on our case about getting a “stable” job, getting married, and buying a house? Why are they always crinkling their noses in disgust when they hear us trying something new? “Oh, what is this Paleo thing?? So you have to skip eating rice FOR THE REST OF YOUR LIFE??” In a recent interview, my friend Michael Ellsberg and I were talking about why a lot of our parents and friends took the traditional road to life. Sometimes, even though they’re unhappy, they push us to make the same decisions they did! It’s weird because the very same people who…
  • The NEW 9-5 + unspeakable truths

    Ramit Sethi
    16 Mar 2015 | 5:00 am
    One of the things I love to do is show you what’s going on “behind the curtain” — the truth that nobody will tell you. In the past, we’ve covered “unspeakable truths” with money, dating, business, and careers. For example, how many of us have heard our boss say, “Sorry, times are tough right now, so this year I can’t give you a raise?” Do you know what’s really happening in the back room? While that same manager is telling his employees there’s “no money,” he’s taking his actual budget, doling out pitiful 3% cost-of-living increases to most of the team like…
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • How to interview a prospective employer

    Honey Smith
    30 Mar 2015 | 4:00 am
    This article is by staff writer Honey Smith. Speaking about building wealth, J.D. Roth felt that he could never make this point emphatically enough: “Frugality is important, but if you want to make real progress, increase your income.” It’s in this context that being able to ace an interview becomes a very important skill. And certainly part of the interview process should include your asking questions of a prospective employer to make sure that the job and the company are right for you. If you are early in your career, though, it is natural to approach a job interview as…
  • Ask the readers: How are you saving on spring break?

    Holly Johnson
    27 Mar 2015 | 4:00 am
    This article is by staff writer Holly Johnson. How are you saving on spring break? A few weeks ago, I attended a daytime get-together comprised mostly of mothers of school-aged children. With spring break approaching, the topic inevitably came up, to which everyone in the room simultaneously let out a grunt of frustration. Unlike some parts of the country, our school system works on a modified year-round schedule. So instead of one week of spring break, we have two. That means that, in most cases, even the families who go on vacation are left trying to find childcare for the second half.
  • What does Quantitative Easing mean for me now?

    William Cowie
    26 Mar 2015 | 4:00 am
    This article is by staff writer William Cowie. If you have ever heard talk of Quantitative Easing (QE) and “tapering,” you may have been left wondering what it is exactly. The terms are bandied about so frequently these days that it is rather difficult to parse out the facts from the political hype that surrounds every move the Federal Reserve Board, or Fed, makes. Another, more pointed question to ask might be, “Does Quantitative Easing or tapering really even affect me?” And to answer that question you would need to know: What’s behind the Fed’s thinking…
  • The sharing economy and taxes

    Suba Iyer
    25 Mar 2015 | 4:00 am
    This article is by staff writer Suba Iyer. Etsy, TaskRabbit, Uber, AirBnB, and numerous other technologies make earning a little extra income (or even a full-time income) easier than ever. Almost anyone can be a micropreneur these days, even if they started out just pursuing a hobby. The sharing economy or peer-to-peer economy is growing at a record pace by leveraging disruptive technologies. But a lot of people don’t seem to understand how the sharing economy can impact their taxes, and the IRS has never issued any official publication regarding how to deal with the income and expenses…
  • How to use coupons effectively

    Lisa Aberle
    24 Mar 2015 | 4:00 am
    This article is by staff writer Lisa Aberle. I like saving money — but it has to be easy. And spending hours clipping and organizing coupons, or planning epic shopping trips based on my coupon stash is not easy. Most of the time — if I clip coupons at all — they end up floating around the bottom of my purse, expired. Instead, I usually choose to save in other ways. Yet, there are coupons. And there are people who use coupons. And then there are the people who USE coupons … in a big way. No matter what our method, there is room for all of us to save with the coupon game…
 
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    Consumerism Commentary

  • 5 Reasons Why New Chip Credit Cards Won’t Reduce Fraud

    Luke Landes
    27 Mar 2015 | 7:56 am
    Banks in the United States are undergoing a major transformation in credit card technology, a process similar to the one Europe successfully completed several years ago. Despite the technological advances in mobile payment that have already rendered plastic cards obsolete, the financial industry wants to replace every magnetic stripe credit card in every wallet. When I received a business credit card in the mail last week, in an envelope anyone paying attention would recognize as a new credit card delivery, it featured a new security measure: a chip. The embedded computer chip stores…
  • LearnVest Acquired By Northwestern Mutual

    Luke Landes
    26 Mar 2015 | 9:55 am
    Congratulations to the owners of LearnVest, a financial planning start-up that is in the process of finalizing a deal with Northwestern Mutual wherein the latter will be acquiring the assets and business of the former. In a deal of more than $250 million in cash, a company that provided early funding for the start-up will now be the sole owner. LearnVest entered the market as a service that put women in touch with resources, including financial planners, to help them reach their financial goals. The company later expanded its reach to men, as well. But it’s quite probable, as Michael…
  • Life Is and Isn’t About the Money

    Luke Landes
    25 Mar 2015 | 7:27 am
    Accumulating money is not a real goal for anyone’s life. Growing wealth is not the point. People don’t work hard because they want to see their bank balance grow; those of us who track our finances and chart our net worth over time aren’t trying to compete in some financial competition. I imagine there are individuals who do have an approach to money wherein the increase of the bank balance is the ultimate goal. But this approach misses the point. Perhaps these savers and earners haven’t given enough thought to why they want to grow their wealth, other than believing…
  • The IRS Tax Scam and What Happens When You Owe Taxes

    Luke Landes
    17 Mar 2015 | 8:11 am
    For a few years, a ring of criminals believed by the U.S. government to be based in India have been involved in a pervasive tax scam. Callers impersonate IRS officials, connect with American taxpayers, and convince many that they have an outstanding bill for tax payments. The scam has been so pervasive that it has generated more than $15 million from panicked taxpayers. CNN offers a story from a recent victim of the scam: One of those victims was former NFL player Frank Garcia, who is now a sports radio host in Charlotte, North Carolina. When he got the call, it sounded so authentic, he left…
  • How the Financial Media and Stock Market Analysts Manipulate You

    Luke Landes
    3 Mar 2015 | 11:10 am
    Best Buy, the big box retailer that most shoppers have abandoned sometime in the last decade and a half in favor of Amazon.com, announced better-than-expected earnings for the last three months of 2014, which includes the all-important holiday season. The announcement sent the financial media into a frenzy, as many had all but dismissed Best Buy, even after positive results from the third quarter of 2014. To exemplify Best Buy’s performance and overall sentiment at that time, the Motley Fool presented this five-year chart, comparing Best Buy’s stock price changes over that…
 
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    Forbes - Personal Finance

  • Secular Bull And Bear Markets Explained

    Bill Greiner
    30 Mar 2015 | 3:33 pm
    In my most recent blog I highlighted why, over the long term, it makes sense for most investors to not be completely void of U.S. equity exposure in their investment portfolios. I demonstrated that more than half of the available return in the S&P 500 index since 1979 was generated during the 50 “best” return days. Out of 9,200 trading days, more than half of the market’s overall return occurred in ½ of 1 percent of the trading days. With these odds, it is hard to justify being completely void of equity exposure at any time.
  • Smart Ways To Use Credit Cards For Hotel Loyalty Points

    Alexandra Talty
    30 Mar 2015 | 2:44 pm
    As disruptive hospitality entities like Airbnb or Couchsurfing continue to grow, more and more consumers are looking for ways to spend less for their vacations. Good news for the budget-minded? Using hotel reward points can be just as easy as redeeming miles, if you are smart about it.
  • In Case Of Emergency, You Need To Save... How Much, Exactly?

    Maggie McGrath
    30 Mar 2015 | 1:47 pm
    It's easy to say, "have money for a rainy day," but what can be trickier is determining just how much you need. While three to six months' worth of expenses is the general rule of thumb, a new study and new tool from budgeting service HelloWallet have taken steps to make your emergency savings goal even clearer. According to the service, there are three levels of emergency savings -- a minor emergency, a major emergency, and a job loss -- and what you need to save for each of these depends on your situation.
  • No Emergency Fund? It?ll Cost You

    Maggie McGrath,Dikenta Dike
    30 Mar 2015 | 1:44 pm
    Nearly half of all Americans couldn?t come up with $2,000 without pawning belongings or charging to a credit card. Here?s why your credit card shouldn?t be your lifesaver.
  • Swiss Private Bank BSI SA Admits Aiding U.S. Tax Cheats, Will Pay $211 Million

    Janet Novack
    30 Mar 2015 | 12:22 pm
    Agreement is first under controversial two year old amnesty program designed to flush out Swiss bank enablers and their U.S. customers.
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    Yahoo News - Latest News & Headlines

  • Indiana lawmakers try to quiet firestorm surrounding new law

    30 Mar 2015 | 3:56 pm
    INDIANAPOLIS (AP) — Gov. Mike Pence called off public appearances Monday and sports officials planned an "Indy Welcomes All" campaign ahead of this weekend's NCAA Final Four in Indianapolis as lawmakers scrambled to quiet the firestorm over a new law that has much of the country portraying Indiana as a state of intolerance.
  • Exclusive: Pentagon chief sends military wish lists to Congress with reservations

    30 Mar 2015 | 3:38 pm
    By Andrea Shalal WASHINGTON (Reuters) - U.S. Defense Secretary Ash Carter on Monday sent Congress the military's annual "wish lists," including 12 Boeing Co F/A-18 fighter jets and 14 Lockheed Martin Corp F-35 fighter jets, but said he would not back any of the requests unless lawmakers passed a larger overall defense budget. Carter told lawmakers he was sending the lists of "unfunded priorities" to Congress as required under the fiscal 2013 defense policy law, but registered his concerns about any moves by Congress to restructure the Pentagon's budget request.
  • One dead, two hurt as vehicle tries to ram U.S. spy agency gates

    30 Mar 2015 | 3:19 pm
    By Mark Hosenball WASHINGTON (Reuters) - Two people tried to run their vehicle through the National Security Agency's gates near Washington on Monday before guards at the spy agency fatally shot one of them, said officials, who added there was no evidence of a link to terrorism. The second occupant of the vehicle was also shot, according to one official, and a police officer was injured. Both suspects, who were dressed in women's clothes and may be transgender, tried to drive their sport utility vehicle through an entrance at the agency's Fort Meade, Maryland, headquarters, U.S. law…
  • 1 dead, 2 injured in shooting at gates of NSA

    30 Mar 2015 | 2:59 pm
    Two men dressed as women smashed a stolen car into a police vehicle, prompting officers to open fire.
  • Boston bombing jury hears of grisly deaths, defense calls first witness

    30 Mar 2015 | 12:46 pm
    By Scott Malone BOSTON (Reuters) - The two youngest people killed by the Boston Marathon bombing were torn apart by one of the blasts that ripped through the crowd at the finish line, medical examiners testified on Monday as prosecutors wound up their case against accused bomber Dzhokhar Tsarnaev and defense attorneys began calling witnesses. Massachusetts' Chief Medical Examiner Henry Nields showed the jury 8-year-old Martin Richard’s bloodstained gray New England Patriots T-shirt with holes that correlated with injuries to the child’s torso. On the 15th day of testimony in…
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    My Money Blog

  • The Only Two States of Your Portfolio: Happy All-Time High or Sad Drawdown

    Jonathan Ping
    29 Mar 2015 | 11:35 pm
    Quick question – What was the highest value ever for your investment portfolio? Now, what was the value exactly a year before that? You probably know the answer to the first question, but not the second, even though both have little to do with your final portfolio value. I am currently reading the e-book Global Asset Allocation by Meb Faber and he had a good observation that I don’t recall ever expressed in this specific manner (emphasis mine): It is a sad fact that as an investor, you are either at an all-time high with your portfolio or in a drawdown – there is no middle…
  • Slate from Chase: 0% APR For 15 Months + NO Balance Transfer Fee for 60 Days + Free FICO Score

    Jonathan Ping
    26 Mar 2015 | 7:10 pm
    Updated with free FICO score information. Looking to pay down debt in 2015? Transfer your balances to the Chase Slate® Card and get 0% APR For 15 Months and pay NO BALANCE TRANSFER FEE if done within 60 days of account opening. You won’t pay any more interest until 2016, and all your money will go towards paying down the balance principal. You can literally borrow money for free and pay it back in 15 months with no interest (keeping in mind you’ll still need to satisfy the minimum payment each month until then). $0 annual fee. It is very rare these days to find a no balance…
  • Blue Cash Preferred from American Express Review: 6% Back on Groceries + New Bonus

    Jonathan Ping
    26 Mar 2015 | 7:00 pm
    Update: There is a new link for this card which is offering a $50 statement credit after first purchase within 3 months of card membership, plus another $150 statement credit after $1,000 in purchases within 3 months of card membership. The sign-up bonus is not available to applicants who have or have had this product before. The Blue Cash Preferred® Card from American Express offers: 6% Cash Back at US stand-alone supermarkets up to $6,000 per year in purchases 3% Cash Back on gasoline at at US stand-alone gas stations 3% Cash Back at select major US department stores and 1% cash back on…
  • The Affluent Investor by Phil DeMuth – Book for $100,000+ Club

    Jonathan Ping
    25 Mar 2015 | 11:33 pm
    This week I’ve been trying to catch up on my book reviews (you should see my “to read” shelf!), and after a good beginner book I thought I’d write about a good intermediate-to-advanced book. You’ve probably noticed there are a lot of starter books out there for novice investors but not as many with more advanced advice ($$$… the potential audience is a fraction of the size). Addressing this deficiency is the goal of The Affluent Investor by Phil DeMuth. In terms of the title, the industry classifies you as “mass affluent” if you have investable…
  • Vanguard High-Yield Corporate Bond Fund Review (VWEHX)

    Jonathan Ping
    24 Mar 2015 | 11:23 pm
    The Vanguard High-Yield Corporate Bond Fund (VWEHX, VWEAX) is a low-cost, actively-managed bond fund that invests in medium- and lower-quality corporate bonds and is advised by Wellington Management Company. I don’t own any in my retirement portfolio, but while reading the book The Affluent Investor by Phil DeMuth, I was intrigued by this interesting tidbit: If you have settled on buying them anyway, at least wait until the spread between treasury bonds and junk bonds of the same maturity is wide (say, 4 percentage points). The fund to own is Vanguard’s (ticker: VWEHX), which has a…
 
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    The Simple Dollar The Simple Dollar

  • 50 Small Businesses You Can Start on Your Own

    Trent Hamm
    30 Mar 2015 | 5:15 pm
    In the past, I’ve discussed how it’s a good idea to spend your spare time dabbling in entrepreneurship: It fills your time with something that you choose (and thus you enjoy) and sets up a potential long-term revenue stream. I also discussed how I got a side business going myself. But that was 2007, and quite a bit has changed since then. Where a side business was once a novel idea, it has since become much more mainstream. According to the Bureau of Labor Statistics, freelancers now make up around 15% of the workforce, compared to only 7% in 1995. And the trend isn’t…
  • Where Do Investment Returns Come From?

    Matt Becker
    30 Mar 2015 | 10:00 am
    The whole point of investing is to give yourself the possibility of earning better returns than you can get from a savings account. If you can find a way to make your money work just a little bit harder for you, maybe you can reach those long-term goals a little bit sooner. But where do those investment returns come from? After all, they’re not just appearing out of thin air, and knowing what factors go into your returns can help you make better decisions about how to invest. According to this paper by Roger Ibbotson (who’s kind of a big deal in the world of investing), there…
  • Questions About Wallets, Hybrid Cars, Procrastination, Personal Loans, and More!

    Trent Hamm
    30 Mar 2015 | 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. Tiniest food budget 2. Retirement income drop 3. Dealing with excessive email 4. Long-lasting wallet 5. Long-lasting jeans 6. Personal loan advice 7. Question about buying a hybrid 8. Cash tips and income tax 9. Cell plan for everything 10. Procrastination help 11. Smart kid unready for college 12. Everyday carry 13. Different tax results 14. Unethical accountant? 15. Popcorn When I first started drafting this…
  • Getting the Most Out of Your American Express Rewards Points

    Holly Johnson
    29 Mar 2015 | 2:00 pm
    Exchanging American Express Membership Rewards points for British Airways Avios can help you score a cheap international flight. Photo: Mark Harkin When it comes to earning points and miles, it often pays to focus on flexible, versatile points that can be redeemed in a number of ways. Fortunately, American Express offers its own flexible rewards program that allows consumers to earn travel rewards without being tied down to a specific loyalty program or travel currency. Here’s how it works. How to Earn Membership Rewards Points One of the fastest ways to build a stash of Membership Rewards…
  • Why Coupons Might Not Work for Your Family

    Catherine Alford
    29 Mar 2015 | 9:00 am
    Consider what an hour of your time is worth before devoting too much of it to coupons. Photo: StockMonkeys I’ve been on a quest this year to drastically reduce my grocery spending. I’ve taken extreme measures to save on food, from going vegetarian for weeks on end to eating a ridiculous amount of split pea soup. So far, I’ve been able to cut my spending to only $50-$60 a week for a family of four, and I’m always looking for new ways to cut costs. However, there’s one thing I haven’t done when it comes to saving money on groceries, and that’s clipping…
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    Wise Bread

  • Best Money Tips: Crazy Spring Cleaning Hacks

    Amy Lu
    30 Mar 2015 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on crazy spring cleaning hacks, over 30 ways to use baby oil, and things you don’t need to be happier in life. Top 5 Articles 9 Crazy Spring Cleaning Hacks — Pour some vodka into a spray bottle and...
  • Everything You Need to Know About Fancy Coffee in One Infographic

    Amy Lu
    30 Mar 2015 | 10:00 am
    If you have walked into a coffee shop anywhere, then you know that coffee isn't just coffee — there are many varieties of this roasty, aromatic drink. But what’s the difference between a cappuccino and a macchiato, and how do you get the new barista to make you a cup of Café Bombón?...
  • Best Deals for Monday 03/30

    Amy Lu
    30 Mar 2015 | 9:38 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Burlington Coat Factory Clearance Sale: Up to 90% off, Gap coupon: Extra 40% off sitewide + free 2-day shipping,...
  • 10 Airline Perks From Yesteryear That Seem Unbelievable Today

    Paul Michael
    30 Mar 2015 | 8:00 am
    If you've taken a flight recently, you've probably noticed just how much service has declined. In most cases, meals are no longer free. Checked bags cost money. You have to pay for a movie or TV show, and sometimes the headphones too. Beer, wine, and spirits are extra. Plus, if you're flying coach,...
  • 5 Things You Shouldn't Order on Amazon

    Ashley Marcin
    30 Mar 2015 | 6:00 am
    When I'm in the market to purchase, well, anything, I usually first check Amazon to find the best price. Over the years, however, I've noticed that I can't just use the site as a one-stop shop for everything on my list. Some things are simply cheaper elsewhere. (I've even started using the...
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    Bargaineering

  • The secrets to saving $1 million in your 401(k)

    Mitch Strohm
    30 Mar 2015 | 12:00 am
    Mitch StrohmIf you’re striving to save for retirement take some cues from the 401(k) millionaires over at Fidelity Investments. According to recent Fidelity data, 72,379 of its 13 million 401(k) accounts now have balances of over $1 million. That’s more than twice as many as in 2012. And while the average annual compensation for these individuals [...]The secrets to saving $1 million in your 401(k) from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • Cord-Cutter Alert: Cheap new app pushes cable TV one step closer to obsolescence

    Mitch Strohm
    23 Mar 2015 | 12:00 am
    Mitch StrohmIf you loathe cable TV (and who doesn’t?), there’s now another, cheaper alternative for all of you aspiring cord-cutters. Sling TV, a subsidiary of Dish Networks, is the newest streaming TV service on the block, and it seems to be a viable replacement for cable, especially if you only watch a handful of channels. The [...]Cord-Cutter Alert: Cheap new app pushes cable TV one step closer to obsolescence from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • iPad baby seats are dubious devices

    Naomi Mannino
    16 Mar 2015 | 12:00 am
    Naomi ManninoEvery mom can attest to needing 10 minutes for a shower, to prepare dinner and sometimes even just to put down a colicky baby that has been crying nonstop. If you’ve seen the new iPad baby seats, from infant activity seats to toddler potty seats, featuring an attachment for an iPad complete with “developmentally appropriate [...]iPad baby seats are dubious devices from personal finance blog Bargaineering.com. This blog was posted by Naomi Mannino
  • It’s getting easier to do good by linking your spending to your favorite charity

    Susan Ladika
    2 Mar 2015 | 12:00 am
    Susan LadikaIf you’re one of the 95% of Americans who donate to charity each year, your good will could stretch a little further if you spend your money wisely. You can now support everything from education to the environment through your credit or debit card, bank account or other payment method. Some options provide funds to [...]It’s getting easier to do good by linking your spending to your favorite charity from personal finance blog Bargaineering.com. This blog was posted by Susan Ladika
  • Let’s save ourselves from costly ‘help’ like this

    Jen A. Miller
    16 Feb 2015 | 12:00 am
    Jen A. MillerBeware of yet another start-up that’s out to take advantage of the self-employed and part-time workers trying to make a living from several jobs. Even is a new company launching later this year that promises to help smooth out the erratic income of those of us who don’t have a single, steady employer. They posit [...]Let’s save ourselves from costly ‘help’ like this from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
 
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    James Clear

  • Use This Simple Daily Habit to Add More Gratitude to Your Life

    James Clear
    26 Mar 2015 | 10:51 pm
    I have a simple gratitude habit that I have been following nearly every day for three years. I want to share it with you here. First, let me set the stage. The Minor Tragedy The other day I ordered takeout from one of my favorite Indian restaurants for dinner. My family had a tight timeline that night, which meant we would only be together for an hour before everyone had to run off in separate directions. We picked up the food and drove home, but when we opened the bag we realized that the restaurant had forgotten to include one of the main dishes from our order. In the grand scheme of…
  • My 2015 Integrity Report

    James Clear
    23 Mar 2015 | 4:54 pm
    Today I am publishing my second annual Integrity Report. The main purpose of my Integrity Report is to document the steps I’m taking to set a higher standard in my work, lead with honesty, and build a business that serves first. Integrity is one of those qualities that is easy to talk about, but much harder to live out on a day-to-day basis. My hope is that this report provides a reason for me to revisit my core values each year and consider if I have been living by them. There are 3 main questions that I will answer in this Integrity Report. (You are welcome to replicate these questions…
  • The Goal is Not the Point: Choose a Path and Then Walk It

    James Clear
    19 Mar 2015 | 11:05 pm
    Imagine, for a moment, that your life is like a treasure hunt. It’s not much of a leap, really. Like any good treasure hunt, you have a map to guide you. In life, the map is your corner of the universe. Some of the areas on the map you know quite well. These areas are the places and people and things that you’re familiar with and that are part of your daily life. Other areas of the map are foreign to you. These yet-to-be-explored regions are home to the milestones in life that you can imagine reaching, but that have eluded you thus far. This undiscovered portion of the map is where your…
  • Your First Choice is Rarely the Optimal Choice: 5 Lessons on Being Wrong

    James Clear
    16 Mar 2015 | 11:18 pm
    As a rule, we are incredibly hard on ourselves when it comes to making big decisions in life. If our first five relationships end with a break up, we think we’re destined to be alone forever. If we go to school, get a degree, and spend years training for a job that we end up hating, we feel like a failure for not having it all figured out. If we have a dream of writing a book or starting a non-profit or creating something of value and we stumble on the first try, we say that we’re not cut out for this. In cases like these, when we are attempting to do something that is complex and…
  • Zanshin: Learning the Art of Attention and Focus From a Legendary Samurai Archer

    James Clear
    12 Mar 2015 | 1:54 pm
    In the 1920s, a German man named Eugen Herrigel moved to Japan and began training in Kyudo, the Japanese martial art of archery. Herrigel was taught by a legendary Kyudo master named Awa Kenzo. Kenzo was convinced that beginners should master the fundamentals of archery before attempting to shoot at a real target and he took this method to the extreme. For the first four years, Herrigel was only allowed to shoot at a roll of straw just seven feet away. 1 When he was finally allowed to shoot at targets on the far end of the practice hall, Herrigel’s performance was dismal. The arrows…
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    fivecentnickel.com

  • How to play retirement catch-up

    William Cowie
    30 Mar 2015 | 1:00 am
    I told the story elsewhere of how my wife and I woke up in our late 40s to the fact that our investment cupboard was bare. We were not alone, millions of Americans in their 40s or 50s don’t have nearly enough money saved to retire. So what can you do if you find yourself in that position? After you shake off the scorn of the self-righteous around you and stop beating yourself up, it is time to get to work because the good news is that there is hope. We managed it. You can do it, too. The strategy 1. Cut The first step is you have to cut your expenses to the bone. The key number…
  • How long will oil prices stay low — and what should you do?

    William Cowie
    31 Jan 2015 | 2:14 pm
    image: wikimedia commons If you are old enough, you will remember 1973, when OPEC caused the price of oil to quadruple. (If you’re too young, simply Google “1973 oil crisis images” to see an endless parade of people stranded at gas stations with hand-written signs like the one in the picture.) That crisis changed life in America forever, starting with an almost instantaneous recession, as businesses couldn’t absorb such a dramatic hike in one of the most pervasive costs in the economy. The malaise brought on by the oil shock lasted more than a decade. Inflation became…
  • Twice the opportunity for holiday spending guilt

    Jeffrey Steele
    15 Dec 2014 | 12:00 am
    I ran into my old buddy Jake at the local outpost of a well-known, high-priced donut chain. I had just spent the better part of a sawbuck on a powdered donut hole and thimble of java when I noticed Jake seemed to be lacking his usual Christmas spirit. His brow was furrowed, and he looked worried and perplexed. I wasted no time asking him what in the name of sugarplum fairies was wrong. Didn’t he know this was the holly-jolly time of year for chestnuts roasting on open fires, one-horse open sleighs and stoplights blinking a bright red and green? “That’s it: It’s the…
  • How do you find happiness with money?

    William Cowie
    26 Nov 2014 | 12:00 am
    An acquaintance of ours returned from a missionary trip to Tanzania recently. As these cross-cultural encounters go, each side had plenty to share with the other about their lives. Toward the end the trip, she asked one of the locals what stood out from everything the Americans related. It was that there are people on this earth who actually spend money to walk. (He was referring to Americans either buying treadmills or paying gym memberships to walk on them.) They (everyday folk in Tanzania) have no choice but to walk miles every day, and they simply have a hard time imagining walking as a…
  • The sunny side of pessimism

    Richard Barrington
    24 Nov 2014 | 12:00 am
    From the Declaration of Independence to the space program, optimism was traditionally something of a core American value; however, it is one that has taken quite a beating in recent years. Not too long ago, an NBC-Wall Street Journal poll found that 76 percent of Americans lack confidence that their children will have a better life than they do. That is a stunning reversal from the onward-and-upward America in which baby boomers were reared. Then again, the optimism of the baby boom generation atrophied into a dangerous complacence which has been bad for the economy in general and for…
 
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    AllFinancialMatters

  • 2014 Total Returns for Various Indexes

    JLP
    17 Mar 2015 | 11:33 am
    It’s pretty sad that we are closing out the first quarter of 2015 and I’m just now getting around to posting 2014’s returns. I’ll do better from here on out. Bottom line: 2014 was a very rough year for oil.
  • UPDATE: S&P 500 Total Returns (20-Year Holding Periods)

    JLP
    16 Mar 2015 | 12:23 pm
    It’s been a couple of years since I updated the AFM S&P 500 20-Year Rolling Period Total Return graphic. Here it is: The last several 20-year holding periods have not been very nice to stock holders. S&P 500 Rolling Period Returns (Through 2014) (Adjusted CPI)
  • S&P 500 Total Net Returns 1926-2014

    JLP
    15 Mar 2015 | 8:53 pm
    Here is a handy dandy PDF of the annual total net returns for the S&P 500 from 1926-2014. If you have any questions, let me know. Up next will be an update to the 20-year rolling period returns. Fun stuff.
  • 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…
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    Personal Finance Advice

  • Studies Show Weight Loss Surgery Helps Joint Replacement and Asthma

    Lilian Nwa
    29 Mar 2015 | 7:40 pm
    Obesity is often associated with a high prevalence of psychopathological conditions such as depression and anxiety. Thus, it is no wonder that weight loss surgery can improve a person’s mental health, including his or her body image, self-esteem and self-concept. … Continue reading →
  • Indiana Paying A Financial Price for Signing Religious Freedom Restoration Act

    Lilian Nwa
    29 Mar 2015 | 12:39 pm
    On Thursday, Indiana Gov. Mike Pence (R) quietly signed the Religious Freedom Restoration Act into law. Many claim the law would allow corporations or individuals to use their religious beliefs as a defense when sued by a private party. Opponents of … Continue reading →
  • Limiting Global Warming to 2 Degrees Celsius Is “Utterly Inadequate”

    Lilian Nwa
    29 Mar 2015 | 12:27 am
    In October of last year, scientists David G. Victor and Charles F. Kennel wrote in an article for the journal Nature that for nearly a decade, international diplomacy has set a goal of “stopping global warming at 2 degrees celsius above … Continue reading →
  • Coffee Can Offset Cancer Risk for Those Who Consume 3 Alcoholic Drinks a Day

    Lilian Nwa
    28 Mar 2015 | 7:26 pm
    The liver is one of the body’s hardest working organs responsible for filtering out toxins that circulate in the bloodstream, as well as converting nutrients to usable biomolecules. Given its primary role in keeping the body healthy, cancers of the … Continue reading →
  • What is the Oldest Internet Domain Name?

    Lilian Nwa
    23 Mar 2015 | 11:31 am
    The world’s oldest dot-com address is over thirty years old, purchased on March 15, 1985. Alhough there are barely any functions available on the page, you can still visit it at Symbolics.com. Originally bought by a company with the same … Continue reading →
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    Mighty Bargain Hunter

  • Six costs of free – and how to avoid having them eat your lunch

    John Wedding
    21 Mar 2015 | 4:50 am
    There’s not a thing wrong with free.  In fact, free is one of my favorite four-letter words. But, it always pays to remember that “free” is not the same thing as “without cost.”  Something that’s free may be without monetary cost, but there’s almost always some other cost. There’s no such thing as a free lunch.  Somebody pays for it.  That somebody may be you. Here are six types of costs of free things: 1.  Time Costs Time is not money.  It’s far more valuable than money for a couple of reasons: Time can only be spent once.  Then…
  • Rebate site review: DollarDig.com

    John Wedding
    13 Mar 2015 | 3:27 am
    I use cash-back rebate sites for my purchases whenever it makes sense. After getting a free account at these sites, it’s only 30 seconds or so to save a few bucks — or even lots of bucks! — at thousands of online stores. Using Dollar Dig is simple: Sign up for a Dollar Dig account, which is completely free. Log into Dollar Dig before you shop online. If Dollar Dig offers cash back on some purchases from the store you’re going to buy from, go to that store through the link on Dollar Dig instead of typing it in your browser. That really is it! It’s that simply to start…
  • Nine tricks for buying discounted gift cards safely

    John Wedding
    27 Feb 2015 | 3:22 am
    Buying discounted gift cards can be an easy way to spend a bit less. There are a number of websites that sell discounted gift cards, both physical and electronic. Depending on the retailer, the savings can be a few percent to 25% off, or more. Though buying discounted gift cards is straightforward, I do concede that it’s not completely without risk, for a few reasons: Someone else has the gift card’s information, and could potentially spend the balance down even after they’ve sold the card to the broker website, or directly to you. Physical cards need to be mailed to you,…
  • Five items to stay powered up and warm

    John Wedding
    18 Feb 2015 | 5:26 am
    The winter weather in our area, like other places in the country, has been pretty bone-chilling the past few days.  Not nearly as bad as in the northeast, but still chilly. We learned the hard way a few years back that we weren’t quite prepared for a multi-day loss of power.  We had kind neighbors, and that got us through.  The experience motivated us to prepare a bit so that we could be the kind neighbors the next time around. Our heat was zapped … literally This weekend, we had gale-force winds on top of sub-zero temperatures.  The winds caused power fluctuations at our…
  • If margins are thin, discounts are tough

    John Wedding
    13 Feb 2015 | 1:09 am
    Do you notice how some stores seem to have 50%-off sales a lot of the time?  Does this make you think that the regular prices are about 100% too high? Walmart and Amazon.com aren’t like this at all.  These two retailers are perhaps best known for their low prices.  To offer low prices every day, they have lots of efficiencies built into their business models, and very small profit margins. Some discount tricks don’t work as consistently Many stores offer coupons to bring in shoppers.  But aside from those, there are still a few ways to shave a few percent off here and there on…
 
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    Lazy Man and Money

  • Cox Cable’s Pricing is Banana Pants

    Lazy Man
    30 Mar 2015 | 6:30 am
    I'm going to assume that everyone knows that their cable company is often negotiable. If you didn't know that, then you do now. I live in an area that Cox Communications is the only cable company. There's no Verizon FIOS or competing service. There's is always the Dish and DirecTV options. The Internet speeds promised by those solutions seem to top out at 15MB/s where Cox has 50MB/s and 100MB/s service. The service isn't good enough to even be called "broadband" by the FCC's new requirements. Cox seems to know that they have me over a barrel... and at the same they don't. If that's confusing,…
  • Start Your WordPress Blog Today

    Lazy Man
    27 Mar 2015 | 9:15 am
    Back in 2006, I thought I'd start a blog, because I wanted to learn about why people blog. I also wanted to learn the technical aspects of running your own site. Facebook was still for colleges (for the most part) back then and YouTube had barely been dreamed up. Somewhere along the way, I learned the value of creating a journal for yourself. I learned to connect and share ideas with like-minded people who I wouldn't have run into otherwise. Blogging for money? I often get asked about making money from a blog. My response is pretty much the same, "Don't waste your time." It is very…
  • My Epic Treadmill Desk Purchase

    Lazy Man
    24 Mar 2015 | 7:50 am
    The word "epic" is often way overused, but I think it is fair here. I turned a process that should normally take between 60 and 90 seconds into something that stretched hours. Today, I'd like to take you on a journey to show you how I save money on big purchases... and give you a little peek inside my crazy mind. On Friday, I was in a funk. I'm going to blame it on the snow adding to the record breaking amounts we've had in New England. It was only an inch and if it wasn't the billionth inch of snow this year, would have been picturesque. In any case, I wasn't feeling myself and the snow is…
  • Important Steps to Home Ownership

    Guest Poster
    23 Mar 2015 | 7:00 am
    This post is written and sponsored by U.S. Bank. So, you’re ready to make the big leap into home ownership? Good for you. Home ownership can be a great experience and holds a number of tangible and intangible benefits. But first, you need to actually buy that property, which, especially if this is your first home, can feel more than a little complicated. Understanding the mortgage process Since a home is arguably the biggest purchase you’ll ever make, being prepared is key to having a successful experience. Doing some homework ahead of time – specifically on mortgage prequalification,…
  • Is Every MLM a Scam?

    Lazy Man
    20 Mar 2015 | 7:00 am
    A few weeks ago, I wrote an article asking if Miessense Scam. Here's one of the quotes from their representative in an email to me: "I get the impression that people think you are against all direct selling / network marketing companies. Perhaps one of these days, you can take a look at the company I am involved with ... although we are direct selling / network marketing, we consider ourselves much different than most of the others ... we put an emphasis on obtaining customers more than we do recruiting reps. When you see all the components of our company, you may just be able to write…
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    No Credit Needed

  • DIY Projects – Fixing Stuff Around The House

    NCN
    13 Mar 2015 | 7:14 pm
    Over the past several weeks, I’ve spent my evenings and weekends working on various projects around the house: I replaced our dishwasher.  Our house is ten years old.  We have lived in it for five of those years.  Several months ago, our dishwasher stopped working properly.  I repaired it twice – changing out its pump and replacing the drain hose – but two weeks ago – it just died.  So, we purchased a newer, more energy efficient dishwasher.  We love the new one!  It’s much quieter and does a MUCH better job of washing the dishes.  This was a bit of a…
  • 5 Years In Our New House – Mortgage Update!

    NCN
    9 Feb 2015 | 8:56 am
    I was reminded by my son: As of today, we have lived in our new house for 5 years. So, it’s time for a mortgage update – with handy-dandy chart! When my wife and I financed the purchase of our new home five years ago, our goal was to pay it off in less than ten years. We have a fixed, conventional, fifteen-year mortgage. I use a simple pie-chart to track our progress. Having a visualization keeps us motivated and excited about the progress we are making. We purchased our home in February of 2010. Hopefully, we’ll pay it off in less than 10 years – which is our stretch goal –…
  • Top 10 Ways To Save Money

    NCN
    8 Jan 2015 | 5:29 am
    Looking for some ways to save money?  How about ten ways?  Cool.  Check out my Top 10 Ways To Save Money – Click the links to read individual articles about each tip! Number 10 – Cook and Eat at Home Eating out is expensive, especially for families.  Shop wisely for groceries and eat at home. Number 9 – Give Up Hobbies This can be a tough one, but giving up hobbies (at least temporarily) can save some serious cash. Number 8 – Purchase Fresh Produce Shopping locally, in-season, can result in some real savings. Number 7 – Get Fit This one is tough for me.  I…
  • Paying Off Our Mortgage Early – Update With Chart

    NCN
    7 Jan 2015 | 7:33 am
    My wife and I financed the purchase of our new home five years ago.  We are working hard and paying off our mortgage early.  Our goal is to own our home in less than ten years. I use a simple pie-chart to track our progress. Having a visualization keeps us motivated and excited about the progress we are making. We purchased our home in February of 2010. Hopefully, we’ll pay it off in less than 10 years – which is our stretch goal – but as of right now, we have shaved 6 months off of the length of the loan. Our progress was slowed, just a bit, when I changed jobs, but we are back –…
  • A Super Simple System To Organize Bills And Paperwork

    NCN
    4 Jan 2015 | 12:17 pm
    I have been using this super simple system to organize bills and paperwork for years.  I like this system because it only takes me a few minutes to either file or find bills or paperwork. I can file an entire month’s worth of bills and paperwork in less than five minutes.  Like I said, this system is super simple. Some our bills arrive via email, but a number of them still arrive via regular mail.  Here’s how we manage our bills, paperwork, and receipts – The Setup - I use one letter tray and one expanding file box. That’s it. I’ll create a label for each tab…
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    Free From Broke

  • Paying Taxes with a Credit Card: Pros and Cons

    Glen Craig
    30 Mar 2015 | 2:52 am
    Are you thinking of paying taxes with a credit card? The thought of clearing a debt with the IRS in one fell swoop is certainly appealing, and if your credit rating is not in good standing in order to obtain a bank loan, that credit card can sure look good. But is using a credit card to pay taxes a wise decision? Before we explore the pros and cons of paying taxes with a credit card, let’s examine paying taxes through an installment agreement with the IRS. First things first, contacting the IRS and working out an installment agreement is one possible option to manage your debt.  Complete…
  • What is a Refund Anticipation Loan (RAL) and is it Worth It?

    Glen Craig
    27 Mar 2015 | 3:02 am
    It’s tax season again, and if you’re expecting a tax refund you’ll probably want to get your hands on it as soon as possible. In the past, taxpayers had to wait weeks upon weeks to receive a paper refund check from the IRS, but people sought a faster alternative. The answer for millions has been the refund anticipation loan. This option is offered by some tax preparation firms and is essentially a short-term loan taken out against your anticipated tax refund. How a Refund Anticipation Loan Works The most common reason people are drawn to refund anticipation loans is that they want to…
  • What is the Alternative Minimum Tax (AMT) and How Does It Impact Your Taxes?

    Kevin Mulligan
    25 Mar 2015 | 3:49 am
    There are few things in the world of taxes more terrifying than the Alternative Minimum Tax (AMT). After taking all of that time with your W-2s, donations, and various deductions the AMT steps in and tells you that none of that matters; you suddenly owe thousands more in tax. That’s scary enough for me.  Here’s an overview of the Alternative Minimum Tax and what can trigger it to impact your taxes. What is the Alternative Minimum Tax (AMT)? Did you know there are two versions of income tax in the United States? You have your typical income tax that you have been paying your whole…
  • How to Spend Your Income Tax Refund – 25 Ideas

    Glen Craig
    11 Mar 2015 | 3:16 am
    Are you getting a big IRS income tax refund? It’s always nice to get a nice chunk of change coming back to you, isn’t it? But what will you be doing with your income tax refund? I’m not always fond of looking forward to a large refund but they do happen and I know some people love getting them.  If you are getting a large income tax refund then at least put some thought into how you are going to use that money. Having money in the bank is a great thing and when it’s a sizable amount you can really make some differences with your finances. I came up with some ideas for…
  • Which is More Valuable: Tax Deduction or Tax Credit?

    Miranda
    9 Mar 2015 | 5:15 am
    As Tax Day draws closer, many are looking for documentation and trying to figure out whether they are taking a deduction or credit for each item that they hope will bring a tax advantage. Understanding the difference between a tax deduction and a tax credit is important — especially when you stop to consider that one is more valuable than the other. Is That a Deduction or a Credit? The difference between a tax deduction and a tax credit can be expressed by the way it affects your taxes. Tax deduction: This lowers your taxable income. Deductions are taken before your final income is…
 
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    Blogging Away Debt

  • Another Free Yelp Event

    Ashley
    30 Mar 2015 | 11:00 am
    Remember the last time I talked about a Yelp event? It was in November and husband and I attended a fancy-pants charity event (for free, courtesy of Yelp) and called it our anniversary date. Side note about Yelp: I’m a Yelp Elite member. This basically means I use yelp a lot (they measure your # of reviews, log-ins, likes, picture uploads, etc.). If you are an Elite member you get invited to all kinds of free yelp events – they have at least one or two per month. It’s hard for me to go because you have to RSVP pretty far in advance, but then you aren’t notified if…
  • Free Family Fun

    Ashley
    30 Mar 2015 | 6:00 am
    When I first moved to Tucson I hated it. Like, really hated it. It seemed so….boring! I was originally from Austin, then lived in southern Florida (where all the cities really merge together), so I was used to the feel of a larger city. I was used to there being LOTS of community events, many that were city-sponsored (and therefore FREE), with tons of family-friendly options that were available. There was none of that in Tucson. Or so I thought. To be fair, there really aren’t a lot of city-sponsored free events. They do have some (paid admission) festivals, but they’re…
  • Hello From T-Town!

    Ashley
    27 Mar 2015 | 11:13 am
    I’m back safe and sound in Tucson after a bit of a scary flight. First, we were on a tiny plane and I felt super claustrophobic. Second, we had bad turbulence that left me white-knuckling the armrests for a good portion of the flight. And finally, when we made it back to Tucson the pilot was circling around the airport forever. Finally he came over the speaker and said there was some type of emergency situation at the airport so air traffic control didn’t want us to land until the issue was resolved. I have NO IDEA what the problem was (nothing was on the news either, so maybe just a…
  • Hair Solution

    Ashley
    26 Mar 2015 | 5:00 am
    I was debating what to do about my hair for my upcoming not-an-interview. As you might recall, I went a full 9+ months without a single professional hair cut/color (I cut and colored my own hair at home during that time). The only reason I opted to finally go back to a professional hair salon was in preparation of my last interview. That was almost exactly 2 months ago and I’ve been really torn on what to do for my upcoming trip. I know I want to have a nice, polished look, but I don’t want to spend a lot of money and I feel like I just barely had my hair done! Well, I think I…
  • Read the Fine Print

    Hope
    25 Mar 2015 | 9:00 am
    As with most of us here, I am constantly looking for ways to cut expenses.  In fact, that has been the biggest way that I have been making strides in paying off debt.  So I was so excited when I saw a headline that read…Feed a Family of 5 for $200 per month!  I just knew they had some sort of magic couponing trick to get food really cheap, a great meal plan that lets you stretch things out for several meals and some other super component that I have been missing, because food gets us all the time! So, of course, I clicked right through and the first sentence dashed all my hopes! …
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    Clever Dude Personal Finance & Money

  • Online Shopping Failure: The Rice Cooker Saga

    Brock
    30 Mar 2015 | 4:22 am
    Image courtesy of NayPong at FreeDigitalPhotos.net Hopping online to price compare a product between retailers has become our default mode of operation before buying a new product. Not only does it help us get the very best price, but it also saves us time. Sometimes our investigation leads us down the path of ordering it online and having it delivered to our doorstep. Other times the best price is through a nearby retailer that we are able to verify not only the price, but also whether they have it in stock at our location. Unfortunately, this process doesn’t always work. A few months…
  • Clever Posts Of The Week – March 27th

    Brock
    27 Mar 2015 | 5:50 am
    Today marks the end of my jury duty service time, and I didn’t have to report once.  I missed out on the opportunity to earn a whopping $10 a day.  Jury duty isn’t meant to be a financial boon, but it would have been interesting to be a part of a jury trial just to see what it’s like – since I have no plans to experience one as a defendant.  LOL. Enjoy my favorite posts of the week! What I learned from my taxes from DINKS Finance What To Look For In An Investment Company from Money Smart Guide 4 Common Money Beliefs That Damage Your Marriage from Suburban Finances…
  • Are 0% Introductory Rate Credit Card Offers Worth It?

    Brock
    23 Mar 2015 | 3:09 am
    Image courtesy of Mister GC at FreeDigitalPhotos.net Last week, I received a credit card offer in the mail with a 0% balance transfer option for 21 months. Since I’m always on the lookout for ways to save money, my mind immediately started spinning trying to find a way to take advantage of the offer. Looking through our monthly budget spreadsheet, my eyes gravitated towards the personal loan we have through our local bank. But would transferring our personal loan balance to a new credit card with a zero percent introductory interest rate really save us money? Our first impression was…
  • Clever Posts Of The Week – March 20th

    Brock
    20 Mar 2015 | 5:35 am
    A few weeks ago, I received a letter in the mail stating I had been chosen to perform my civic duty and serve jury duty for a two week period starting on 3/16.  I call in each evening to see if they need me the following day, and half way through my two week period my grouping has not been needed.  That may change next week, we’ll see.  Listening to the instructions each day is kind of amusing.  Even if your number gets called, they recommend bringing reading material or something to keep yourself busy as there may be delays once you arrive.  If I do end up serving, I guess…
  • Clever Dude Reviews the 2015 Hyundai Genesis RWD 3.8 Sedan

    Clever Dude
    19 Mar 2015 | 9:56 am
    By Clever Dude When the Hyundai Genesis first debuted as a 2009 model, it was a big risk for a Korean automaker to try to compete in the Japanese and even German markets with a Rear-Wheel Drive luxury sedan. Whereas Honda, Nissan and Toyota opted to create all-new luxury brands with Acura, Infiniti and Lexus, respectively, Hyundai decided to stick with their own brand and add the Genesis as a higher model to their existing lineup. This is not a Hyundai badge I applauded them for this effort, but also recognized the brand battle they would face when it came to marketing to those individuals…
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    Don't Mess With Taxes

  • It's clear that all tax exempt categories need to be re-evaluated

    skbell1
    29 Mar 2015 | 11:28 pm
    Full disclosure: I didn't watch HBO's documentary on the Church of Scientology last night. We don't get the premium channel and anyway I had zombies walkers to follow. But I plan to catch "Going Clear" when it's available on video on demand or some streaming option. Alex Gibney's two-hour film apparently focuses more on certain specific allegations about the church, particularly in connection with two of its most famous members, actors John Travolta and Tom Cruise, than did the book upon which it is based. From a tax standpoint, how the Scientologists came…
  • Some Final Four teams could suffer under seat tax proposal

    skbell1
    29 Mar 2015 | 2:03 pm
    March Madness is almost over. As with taxes, numbers are critical. We've gone from the First Four to the Select 64 to the Sweet 16 to the Elite Eight to today's games to determine the Final Four. Those four teams will meet up on Saturday, April 4, to decide which two men's college basketball teams will vie on Monday, April 6, for the NCAA championship. Click bracket for a larger view (opens as PDF). Also check out SBNation's full college basketball and NCAA tournament coverage. Ending a college sports tax break: College sports are huge money makers. We're still…
  • Tax scam victim's pregnancy causes crook to relent Moms' pre- & post-delivery costs might be deductible, FSA eligible

    skbell1
    28 Mar 2015 | 4:16 pm
    Apparently some crooks have lines they will not cross. The criminal boundary for a con artist pretending to be an Internal Revenue Service agent was impending motherhood. Sarah Carr was the target of what the IRS says is the largest tax scam ever, in which individuals pose as tax agents and make threatening phone calls to people. The crooks tell call recipients that they will be arrested if they don't immediately pay an outstanding federal tax bill. Click image for the 9News video report. The Broomfield, Colorado, woman got such a message earlier this month on her cell phone. When she…
  • Thinking about & putting tax-wise money away for retirement

    skbell1
    27 Mar 2015 | 1:06 pm
    A couple of weeks ago I mentioned that I was ready to take a break from tax season.  I'm now at that point where I'm beyond wanting a vacation. I'm thinking retirement. When will the hubby and I be able to join this group of happy retirees? Soon we hope! This cycle is not unusual, for me or other folks in jobs where the intensity ramps up to a certain deadline. Things get crazy and you get crazier and some days you just want to chuck it all. This too will pass.  Or not. Retirement ruminations: No, it's not that I hate writing and talking and blogging and thinking about…
  • Deadly Tulsa tornado starts slow 2015 storm season

    skbell1
    26 Mar 2015 | 1:10 pm
    Every year we whine about winter and wish for spring's arrival. Then Mother Nature shows up in a horrid mood and ruins everything. She was particularly nasty yesterday (Wednesday, March 25) to Oklahoma residents. A tornado in a Tulsa-area neighborhood killed one woman and twister magnet Moore about 125 miles to the south was hit again. The March 25 Tulsa-area twister viewed from a downtown hotel. "This was 2 blocks from my hotel & was taken by one of the other hotel guests," writes Gloria Bell on her Facebook page. This morning, Oklahoma Gov. Mary Fallin declared a state…
 
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    Money Smart Life

  • Why a Roth IRA is a Must Have Plan

    Kevin Mercadante
    23 Mar 2015 | 9:22 am
    You are probably aware of some of the virtues of a Roth IRA. But there are at least five reasons why a Roth IRA is a must-have plan. Tax Free Income in Retirement This is the most obvious benefit of a Roth IRA, and it’s repeated in virtually any discussion related to the plan. Even still, this advantage is well worth reemphasizing. Virtually every other type of retirement plan is a deferred plan. That means that the tax liability on the account – both your contributions and the investment income that the account earns – will be taxable when you start making withdrawals from the…
  • The Good and the Bad of Taking Online Courses

    Kevin Mercadante
    16 Mar 2015 | 7:14 am
    Technology has come to the classroom, or – maybe more to the point – technology is moving people out of the classroom. There is an explosion of online courses, whether included in a college degree program, or as part of continuing education. There’s good and bad in taking online courses, but either way, they offer an excellent alternative to traditional classroom based courses. The Good of Taking Online Courses Having taken a few online courses myself, I’m a big fan of them. Here’s what I’ve found to be the biggest advantages. You can take them from home. Since home is…
  • The Dangers of Paying Off Credit Cards With Home Equity

    Kevin Mercadante
    2 Mar 2015 | 8:32 am
    When people accumulate a little too much credit card debt, there’s always a strong temptation to work out some sort of debt consolidation that will make the plastic go away in one fell swoop. On the surface this can seem like an excellent idea. But debt consolidation is really about converting debt from one type to another – without actually paying it off. There are all kinds of riskS to this maneuver, but especially when you use your house for the consolidation. Here are five reasons you shouldn’t use your home equity to pay off your credit cards. 1. Increasing the Mortgage Puts…
  • 6 Signs You Might Lose Your Job

    Kevin Mercadante
    24 Feb 2015 | 12:55 pm
    One of the unfortunate realities of today’s workplace is that we’re usually not given advanced warning about an upcoming job loss. Many employers would have us tool along thinking everything is fine, right up until the day we’re asked to leave. But even if there is no formal notification that your job is in jeopardy, there several ways to know if it is. Here are several strong clues… 1) You’ve Just Had a Bad Review You can virtually assume that you are on probation if you have just had a bad performance review. Even if your employer doesn’t tell you as much, you will most…
  • How to Teach Kids the Value of a Dollar?

    Ben Edwards
    19 Feb 2015 | 8:17 am
    Teaching my kids the value of a dollar is something that’s important to me and I’m always trying to find ways to help them understand that process of earning & spending money isn’t as simple as swiping your credit card. There aren’t as many teaching moments as there were in my childhood because money is less visible in our society now. Credit cards, direct deposit, and auto bill pay mean that I hardly ever have actual cash in my wallet and my kids don’t have as much exposure to money coming in and going out of the household. Teaching through Stories I was…
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    MoneyNing

  • 5 Non-Traditional Ways to Save Money on Your Wedding Day

    Connie Mei
    30 Mar 2015 | 5:00 am
    Your wedding day is one of the most important days of your life, but it can also be one of the most expensive. You want your day to be perfect, but with the average cost of a wedding in America totaling $25,200, that price tag is hard to swallow. That’s a lot of money to pay for a few hours of celebration. It’s tough to cut back on your wedding. After all, it’s a celebration of love in front of the most important people in your life. But at the same time, spending the bulk of your savings doesn’t make sense either. Thankfully, don’t have to spend your life savings to have a…
  • Here’s How Much Money You’re Throwing Away Each Year

    Emily Guy Birken
    29 Mar 2015 | 5:00 am
    A funny thing happens to how you view money once it’s spent: cash loses its value when it’s no longer in your wallet or bank account. This means anything you purchase seems less valuable than the equivalent cash value — and so having to later throw away your purchase doesn’t hurt nearly as much as chucking a $20 bill in the trash would. But wasting purchases, particularly those you never use, is no different from throwing money straight into the trash bin. Here three some common ways we’re wasting money, and some methods for recouping your losses. 1. Throwing Out Food…
  • 4 Budget-Savvy Tips for Saving Money After a New Baby Arrives

    Ashley Eneriz
    28 Mar 2015 | 5:00 am
    I just welcomed my second daughter into the world a month ago, and I am amazed once again at how something so small and sweet can disrupt our money. Newborns bring about a state of sleeplessness and disorganization, which makes it hard to stick to a budget and resist impromptu buys. If you’re experiencing the same thing, here are some budget-savvy tips to help you save money after baby arrives. 1. Just Say No to Fast Food Fast food is a big temptation after the baby comes home. It seems so quick and easy, yet the coffee runs and quick trips to get food add up way too quickly.
  • How to Leave Your Emotions Behind When Making Financial Decisions

    Jessica Sommerfield
    27 Mar 2015 | 5:00 am
    My husband and I are moving from Michigan to Washington in one week. The journey that has led us to this point has been a whirlwind of interviews, decisions, and dealing with the upheaval of hauling ourselves and our stuff across the country in the most fiscally responsible way. It’s been three weeks since we decided to start a new chapter in our lives, and in that time I’ve been dealing with these choices in a very personal way. One of the things I’ve learned very quickly is that on paper, the concept of moving seems so simple: based on the amount of possessions you have…
  • How to Save Hundreds of Dollars By Being Your Own Party DJ

    Travis Pizel
    26 Mar 2015 | 5:00 am
    During the weekend of Memorial Day, my family and I throw a huge party every year. About 120 of our closest friends and family get together to celebrate the unofficial start to summer. I fire up my smoker and grill, we set up a 200-foot water slide down the hill in our backyard that leads into the park, and everyone brings a side dish to share. Naturally, no party would be complete without music. My wife and I have very differing views as to what is needed for our party music. As far as I’m concerned we could tune the radio to the hard rock station, put the volume on about 3 or 4 and…
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    Money Blue Book

  • Traveling abroad? Know these 5 credit card facts

    20 Mar 2015 | 5:22 pm
    Do you believe that 41.8 percent of adult Americans failed to take a single vacation day in 2014? And that another 16.1 percent took fewer than five? Those figures, which comes to you courtesy of the Skift travel website, are derived from an online survey with a sample base of 1,500, so they're hard [...]
  • Easy and cheap ways to boost your home's value

    30 Jan 2015 | 6:13 pm
    Regular readers may be shocked by my grubby little secret: I can waste hours online reading about, looking at floor plans and pictures of, and fantasizing over other people's very expensive homes. What do I get out of this? Some of my motivations may be shameful, and driven by insecurities about my [...]
  • 2 steps to making saving easier

    22 Jan 2015 | 4:37 pm
    It may still be early in the year, but if you're like me, you've already failed at a New Year's resolution (or five). I think one of the reasons so many resolutions fail is because they require that you take an action (or not take action) every single day. Saying I won't buy myself coffee every morn [...]
  • This holiday season, say no to store credit cards

    9 Dec 2014 | 4:42 pm
    I'm such a nostalgia junkie. Even now I'm an adult (allegedly), I can't help but overlay the hell that is getting through holiday preparations with precious childhood memories. There were happy songs on the radio. There was no pressure to judge gorgeously gaudy decorations through the prism of taste [...]
  • Building a better brown-bag lunch

    2 Dec 2014 | 2:57 pm
    If you're anything like me, it's hard enough finding your way to the coffee pot in the morning -- let alone making a plan for a healthy and delicious lunch. As a result, it's easy to fall into bad habits. Takeout and frozen meals may be fast and convenient, but they aren't necessarily the best choic [...]
 
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    My 1st Million At 33 - yes, you can do it too

  • Moving my website to my1stMillionAt33.wordpress.com

    Frugal
    23 Mar 2015 | 9:05 am
    I haven’t posted much, and it does not make sense anymore to host it here. I have moved my entire site to http://my1stMillionAt33.wordpress.com Any future updates will be there instead.
  • Turning down Apple’s job offer

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

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

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

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

  • How to Hedge Against Rising Gasoline and Heating Oil Prices

    Ben
    3 Mar 2015 | 6:55 am
    If you’re like most people, you’re enjoying the benefits of paying less at the pump for a gallon of gas. If you live in a northern state (like me) you’re probably also very happy that it is a lot cheaper to fill up your heating oil tank too! Most experts agree that oil and gas prices won’t stay this low forever and there is a good possibility that prices will start rising again sooner than later. Why will oil prices rise you ask? As more and more oil rigs are shut down there is a growing “perception” (right or wrong) that new oil production will start to…
  • Delta Airline’s VIP Porsche Cayenne Shuttle Service

    Ben
    22 Jan 2015 | 7:13 am
    I had just boarded my Delta flight home in Atlanta, GA bound for Portland, ME when I notice a very peculiar site out my window. There on the tarmac was a brand new white Porsche Cayenne parked right next to the jet-bridge stairs. At first I thought it might have been a private vehicle that had worked out some deal with the airport to pick up a high level corporate executive or celebrity, but when the vehicle drove off there was a subtle “Delta” sticker on the back window. “Hmm…that didn’t seem like a very cost effective vehicle for supporting aircraft…
  • Falling Oil Prices a Boon to Families Heating Their Homes With Oil

    Ben
    18 Dec 2014 | 6:51 am
    A heating oil delivery man battles through the snow to reach a customer’s fill line. By all accounts, the fall in oil prices over the last month or two has been drastic. While falling oil prices might not be good if you’ve just published a book on getting a job on an offshore oil rig (like I did), there are tremendous benefits of lower oil prices to the average consumer. One area where consumers stand to benefit is in home heating oil prices. Every year on this personal finance blog I make predictions on the price of home heating oil and offer advice on whether or not you should…
  • Rental Property Case Study: Renting a Single Family Home

    Ben
    24 Nov 2014 | 5:00 am
    Are you considering the purchase of a single family home to rent out? Perhaps you already own a single family home and you’re wondering if it is better to rent it out or sell it. To help you decide if renting out single family homes is a smart financial move, I’ve prepared this rental property analysis case study specifically focused on single family rental properties. Download My Free Rental Property Investment Calculator! Before we get started, you’ll want to download a free copy of my Excel-based Rental Property Investment Calculator. This powerful tool will help you…
  • Small Business Profile: Winter Wreaths Inc., Franklin, ME

    Ben
    19 Nov 2014 | 5:44 am
    Every once in a while I like to profile a small business on my personal finance blog. Not only do these small business case studies provide inspiration for other prospective entrepreneurs, but the stories behind them are often very interesting as well. Winter Wreaths, Inc. Today I’d like to introduce you to Winter Wreaths, Inc., in Franklin, ME. Winter Wreaths Inc. is a small family run business that decorates and ships traditional and authentic Maine Christmas wreaths and Christmas centerpieces across the United States and beyond. Winter Wreaths, Inc. owner Lisa inspects a fresh…
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    The Frugal Law Student

  • Public Defenders vs. Private Attorneys

    Brett McKay
    3 Mar 2015 | 7:17 pm
    Here are some stats about public defenders vs. those that hire private attorneys. Some of the numbers may shock you! Via: Los Angeles Criminal Lawyers Farar Law Group
  • Tips for Spotting a Lemon When Buying a Used Car

    Mike
    19 Feb 2014 | 2:15 pm
    In the market for a used car? I found this graphic that can provide some tips on how to spot a lemon. Buying used instead of new is generally the way to go, provided you can weed out the lemons: Via: The Lemon Law Attorneys
  • Managing Your Precious Dollars Smartly – Will This Give You A Debt Free Future?

    Mike
    22 Jul 2013 | 10:29 am
    By: Alden Smith Did you ever knew that a time will come when you will have to check where your precious dollars are going out every month? Well, this might not have even come in your mind unless you found that you’re falling short of cash by the middle of every month. If this is happening with you, then chances are high that you’ve incurred huge debt problems. So, what are you thinking to do now so that you do not fall into debt? Do you really know what personal finance actually is? Many people aren’t aware about it since this subject is not taught either in schools or in colleges. You…
  • Interesting Look at the Gun Control Debate

    Brett McKay
    23 Jun 2013 | 12:07 pm
    Every since Sandy Hook, the talk about gun control has been increased. While people focus on changes to federal law, state laws actually vary a lot. States have restrictions on both firearms, as well as non-lethal methods such as pepper spray. Below is an infographic displaying statewide measures: Via: BrickHouse
  • Think You’ll Get Social Security…Think Again

    Brett McKay
    9 May 2012 | 10:08 pm
    When most people think of social security, they think of senior citizens collecting a paycheck. That’s just half the story. A lot of people also receive social security checks due to disability. Due to the poor job market, suddenly more and more are seeking this assistance. This is putting additional strain on the social security system. Between the ponzi-like finance of social security, the aging baby boomers, and now more and more people being disabled, young lawyers can pretty much count that they won’t be getting social security payments until they’re very, very old (if…
 
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    The Dough Roller

  • 5 Reasons Never to Pay Off a Mortgage Early (and 1 Reason You Must)

    Rob Berger
    27 Mar 2015 | 7:02 am
    Whether to pay off a mortgage early is an important decision. For some it’s a question of whether to allocate some extra cash each month to the mortgage. For others it’s a question of whether to pay off the home loan all at once. The lump sum approach often becomes an option from an inheritance or life insurance proceeds. The question presents two key challenges. First, for most the mortgage is just one of many financial goals. In some cases prioritizing these goals is easy. One should tackle a credit card bill charging 20% interest before a fixed rate mortgage at 4%. In other…
  • Synchrony Bank Review

    Abby Hayes
    24 Mar 2015 | 9:00 am
    Synchrony Bank is a newcomer to the online banking market, and it offers an interesting blend of old-fashioned and high-tech banking. Like many online banks, it runs on a lightweight business model so it can offer lower fees and higher rates of return. Unlike online-only banks like Ally, Synchrony has a physical location in Bridgewater, New Jersey. But don’t worry, you don’t have to live in or near New Jersey to open an account with Synchrony.  You can take advantage of this bank’s award-winning CD rates and great Money Market accounts wherever you are in the US. This bank, formerly GE…
  • TradeKing Online Broker – $200 Bonus

    Rob Berger
    23 Mar 2015 | 9:00 am
    TradeKing, one of the best online discount brokers has launched a $200 cash bonus for customers that sign-up for a new TradeKing account.  If you recognize this promotion, it’s because TradeKing does this sort of thing often (this time DOUBLING the cash bonus) but it’s restricted to new accounts only. Click here for the $200 TradeKing $200 bonus offer In order to qualify for the $200 cash bonus, you must abide by the following rules: Account must be opened between now and April 30, 2015. The account must be funded with $3,000 or more within 30 days of account opening. The account…
  • How to Refinance a Student Loan in 15 Minutes

    Rob Berger
    23 Mar 2015 | 6:46 am
    SoFi (short for Social Finance) is a peer-to-peer lending platform, not unlike Lending Club. Its primary focus is student loan refinancing. It offers both fixed and variable rate loans of varying terms from 5 to 20 years. It’s grown in popularity in part because it offers some of the lowest refinance rates available to college graduates. Given the growth of student debt over the past few years, we thought a review of SoFi was in order. Who Is SoFi? Four students from the Stanford Graduate School of Business founded SoFi in 2011. Their concept was to enable alumni to help recent college…
  • Ebates Review – Get Cash Back On Every Online Purchase

    Michael Pruser
    20 Mar 2015 | 9:00 am
    Ebates became the pioneer and leader of online cash back shopping over 10 years ago. The company was founded in 1998 by two Deputy District Attorneys in Silicon Valley who used to prosecute online fraud & identity theft before starting Ebates. Joining Ebates is always free and no matter how much money you spend through their website, Ebates never takes a penny from you . Four times a year or more, they’ll mail you a check, or transfer the money to your PayPal account if you’d prefer. They’ll even send the money to your favorite charity and there is absolutely no charge…
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    Hustler Money Blog

  • Groupon Coupon Codes, Promo Codes, and Discounts

    Baller
    30 Mar 2015 | 3:39 pm
    Groupon offers you amazing deals on the best things to do, see, eat, and buy in hundreds of cities worldwide. Save up to 90% on delightful products, unbeatable travel experiences, and tickets to the hottest concerts, sporting events, shows, and more. Groupon Local Deals: Use the following code for 25% off three Local Deals (Exp: 3/30/2015): MARCH25 Apply Code Here This means great savings on already discounted, restaurants, activities, and more. Groupon Coupon Codes, Promo Codes and Discounts Get free shipping on Groupon Goods orders $19.99+ Find the Best Daily Deal in Your Neighborhood Save…
  • Bank Mutual Referral Bonus Review

    Hu$tler
    30 Mar 2015 | 3:32 pm
    Are you a member of Bank Mutual or that you would like to switch over to Bank Mutual? If so, current members can receive $50 per referral bonus for up to $200 in your account. Those who are being referred can earn $100 checking bonus when you open a new checking account with direct deposit, pay 3 bills, and complete 15 CheckCard transactions. The promotion is valid through May 2, 2015 for residents of Wisconsin and in Minnesota. Print out this PDF with the referral information. Hint: Feel free to comment on this post with your information if you are current Bank Mutual customer or if you are…
  • MainStreetSHARES Review: Online Cash Back Shopping

    Hu$tler
    30 Mar 2015 | 3:09 pm
    MainStreetSHARES, formerly known as BigCrumbs, is now back is business offering cash back for all online shopping. In addition, you can earn virtual shares called msSHARES when you and your referrals shop through MainStreetSHARES. They are promoting that members will ultimately share in the eventual sale of the company based on the number of msSHARES you can accumulate. In the event that MainStreetSHARESis acquired, you’ll receive a cash payout, based on the number of msSHARES you own. Those who have an account with BigCrumbs, then the conversion to MainStreetSHARES is simple by just…
  • Industrial State Bank Review: $100 Checking Bonus

    Hu$tler
    30 Mar 2015 | 1:23 pm
    For residents of Kansas, Industrial State Bank is offering a $100 bonus with a Free Green Leaf Checking account with the following requirements: Pay 3 bills using their online bill pay system Receive electronic statements Make 15 settled non-atm debit card transactions Maintain a $500 average daily balance With a Free Green Leaf checking account, you get free Online banking and bill pay, Electronic statements, Debit/ATM card, Mobile banking, Account alerts, and much more. Visit one of their 3 branches in Kansas City, Kansas to open an account for your $100 bonus. Best Online Bank Accounts…
  • Mr. Rebates Cash Back Rewards Review- $5 Sign-up Bonus

    Hu$tler
    29 Mar 2015 | 3:28 pm
    By far my favorite online cash back rewards site, Mr. Rebates is offering a $5 Sign-up Bonus after your first purchase. Both fast and free to join, Mr. Rebates is easy to sign up with no spam and no spyware! Once you are signed up, shop at over 2,400 different cash back stores such as Amazon, Disney, Home Depot, Priceline, Sephora, Tigerdirect, WalMart, and many more. Simply click on a store and you will get the specified cash back percentage for purchases made at that store. The biggest advantage for joining Mr. Rebates is their 20% cash back referral commission. Send your friends or family…
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    Cash Money Life | Personal Finance, Investing, & Career

  • How to Pay Off Your Student Loans So You Can Get On With Your Life

    Kevin Mercadante
    30 Mar 2015 | 12:40 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Pay Off Your Student Loans So You Can Get On With Your Life. For an entire generation, student loan debt has become a crippling fact of life. Part of the problem is the sheer size of student loan debt. For the Class of 2013, average student loan debt is approaching $30,000 and about 70% of graduates are carrying them. How can you pay off your student loans so you can get on with your life? Here are some strategies to help you do just that.   Public Service Loan Forgiveness…
  • TradeKing Promotions – Best Promo Ever – $200 Cash Bonus, or Get $1,000 in Commission Free Trades!

    Ryan Guina
    20 Mar 2015 | 6:05 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at TradeKing Promotions – Best Promo Ever – $200 Cash Bonus, or Get $1,000 in Commission Free Trades!. UPDATE: $200 New Account Bonus. Celebrate TradeKing’s 10-Year Anniversary – Receive a $200 cash bonus when you open a new TradeKing account between 3/20/2015, at 1am ET and expiring at 11:59pm ET on 4/30/2015. See below for more details, or click the promotion link to open an account. TradeKing is one of the leading online discount brokers, and they are well known for…
  • Should You Track Your Spending Manually?

    Miranda Marquit
    18 Mar 2015 | 12:41 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Should You Track Your Spending Manually?. For many consumers, the rise of financial apps like Mint are exciting. These types of apps make it easy to track spending, and look for patterns. However, these types of apps that automatically track spending also tend to disconnect some consumers from their finances. While I understand that these types of financial apps work well for some people, it’s not really my thing. I’d much rather track my spending in a more active manner.
  • Why You Need All Three of Your Credit Reports Right Now

    Neal Frankle
    6 Mar 2015 | 9:15 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Why You Need All Three of Your Credit Reports Right Now. Ryan has done an excellent job explaining why you need the highest credit score possible and how to make that happen. I completely agree with Ryan. One of the things that many people do in order to make sure their credit score is clean is to order their credit report. This is also a wise step. But where many people go wrong is they order only one credit report at a time rather than all three at once. Why People Only Order One Credit…
  • Are You Being Paid What You’re Worth?

    Kevin Mercadante
    13 Feb 2015 | 3:45 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Are You Being Paid What You’re Worth?. If you want to know if you’re being paid what you’re worth, here are five websites that can help you do that. These can be especially important if you’re thinking of asking for a salary increase. You want to make sure you’re being paid the going rate for your job, but at the same time you must be careful that you’re not asking for more than is typically paid for your job classification (or substantially more than your peers). You can…
 
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    Grad Money Matters

  • 4 Free Ways To Stay Active

    GMM
    30 Mar 2015 | 12:00 am
    Staying active is very important to me and I’m constantly finding new ways to exercise in fun ways, but also free. I work from home, and sometimes staying active can get away from you.Staying active when you are so busy in all other areas in your life is very important. It helps keep you refreshed and motivated.Incorporating different activities in my life is very important because it mixes things up and keeps me excited. I tend to get bored easily doing certain workouts, so I make sure to switch things up every few months. I also love starting new physical activities, which leads me to…
  • 5 Tips On Letting Go Of Stress

    GMM
    25 Mar 2015 | 1:40 am
    Whether you are still in college, you are starting your own business, you are trying to manage your family and your career, letting go of stress is crucial to having a healthy body and mind.If you are full of stress, whether it be on your muscles or mind, you are setting yourself up for disaster. I used to never participate in an kind of stress relieving techniques and I remember never being at ease.Below are my five tips on letting go of stress.1. Get outside. Go on a bike ride, hike, absolutely anything outside. Vitamin D is needed for every human body and it helps the body function…
  • 4 Tips To Prepare For Tax Time

    GMM
    23 Mar 2015 | 1:30 am
    Tax season is in full swing right now. If you haven’t filed your taxes yet, you have just a few weeks left. Don’t worry though if you have not filed your taxes yet, many people wait until the very last moment.However, let’s get you started sooner rather than later so that you can be a little less stressed out about taxes, as we know most people are!Whether you are filing your taxes for the very first time or it’s the 10th time you’ve done them, it can still be tiring, stressful, and sometimes even scary.Below are my four tips to help you prepare for tax…
  • Traveling and Working – Is It Possible?

    GMM
    20 Mar 2015 | 2:00 am
    Traveling and working at the same time is the dream of many. This is something that I am attempting to do right now. I love traveling and being able to earn an income at the same time, but it can be difficult.Please do not fall for the myth that traveling and working at the same time is a vacation. This is something that too many people think. You obviously still have to earn an income.It can be hard, but there are ways to make it work for you. If you really want to be able to travel and work, you will have to work hard in order to do so.Here are tips to make traveling and working possible…
  • 3 Ways Being Cheap Can Impact Your Business

    GMM
    16 Mar 2015 | 2:00 am
    In the beginning of owning a business, you might not think much about the expenses that you incur. Many business owners just think about the tax deduction that buying things for their business will lead to, which is a huge disaster. Just because you can deduct an item from your business does not mean that the item is free.Eventually, this mindset will catch up to you. Hopefully sooner rather than later.Owning a successful business can be a great thing, but sometimes expenses can grow to be very large. You’ve probably experienced this in your personal life as well, as this is quite…
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    Everybody Loves Your Money

  • How to Use Multiple Savings Accounts to Reach Your Financial Goals

    Me
    30 Mar 2015 | 10:16 am
    I first started using ING Direct (now Capital One 360) years ago and was smitten with the fact that I had the ability to easily create and name multiple savings account. Five years later I’m still dividing up my savings account to help me stay on track with my financial goals. If you’re new to the idea of using multiple savings account here are the benefits plus how I use them! Why Use Multiple Savings Account? Before learning of ING I had my savings account with my local bank. I was saving for several different things yet my money was all lumped together.  While I loved seeing my one…
  • The Top Five Ways to Save Money Online

    Me
    24 Mar 2015 | 9:15 pm
    I find myself talking about making money online far more than saving money online, but the truth is today’s technology has enable us to do both. We not only have the ability to earn extra money from the comfort of our home but we also have the ability to score some significant savings with just a few clicks of a mouse. Here are the top five ways to save money online. Coupon Blogs Coupon blogs like Hip2Save or Money Saving Mom are some of my favorites for checking deals. If there’s something I’m on the search for I’ll hit up Hip2Save and search the sites to see if I can get a good deal…
  • How to Spring Clean Your Finances

    Me
    24 Mar 2015 | 10:41 am
    Has anyone else caught the Spring cleaning bug yet? While I’ve been walking around whipping my house into shape, one place I haven’t wanted to touch is the enormous stacks of papers lying in my office drawers. But, if I don’t get it dealt with now I can only imagine what I’m going to have to deal with in just a few months’ time. In order to tidy up all of my financial paperwork here are the steps I’m taking to spring clean my finances. Shred Documents You No Longer Need This is my number one most dreaded task which is why I’m starting with it first. I have a stack of old bills…
  • 5 Non Stock Market Investment Ideas

    Me
    18 Mar 2015 | 9:04 am
    Not everyone wants to put their hard earned money in the stock market. I can totally relate. It took me awhile to get comfortable with the idea of investing in the stock market and even now I lean more toward non-traditional investment ideas. If you’re looking to make your money work for you but are reluctant to start buying stocks or other similar assets here are five non stock market investment ideas. Your Own Business Thanks to the internet you can make a little bit of money go a very long way with an online business. And the business you start can be virtually anything. (No pun…
  • 3 Benefits of Frugal Living (Plus 2 Drawbacks!)

    Me
    16 Mar 2015 | 6:07 am
    We talk about frugal living quite about on ELYM. But frugal living without a purpose is pretty pointless. So today I wanted to go over five benefits of frugal living and the ways it’s helped to improve my life. (Plus two drawbacks!) You’ll Have Less Stress When you make the conscious choice to live frugally and spend less than you earn you’ll naturally have less stress. You won’t have to worry about having enough money to pay your next bill because you’ve chosen to live frugally and save the remaining portion of your money. And since money can be one of the largest sources of stress…
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    CreditCards.com

  • Are American Express cards losing their luster?

    Kelly Dilworth
    27 Mar 2015 | 6:00 am
    I've been thinking pretty seriously lately about applying for my first American Express card after receiving some tempting offers. But with all the bad press the card issuer has been getting over the past few months, I'm starting to wonder: Are American Express cards as valuable as they used to be? American Express continues to rank highly in customer satisfaction surveys. Until recently, it held the No. 1 spot for credit card customer satisfaction, according to J.D. Power and Associates' annual Credit Card Satisfaction study. In 2014, the card issuer tied for first place with Discover card,…
  • Study: Millennials struggle to find financial balance when saving for retirement

    Sienna Kossman
    25 Mar 2015 | 2:00 pm
    Most millennials start saving for retirement early, but they aren't saving nearly enough. A March 2015 study by Principal Financial Group found that 63 percent of millennials started saving for retirement at or before age 25, and 83 percent take full advantage of matching contributions offered by employer-sponsored retirement plans. However, less than one-third of survey respondents are saving enough to secure a strong retirement later on. "Our analysis over the years has found that saving 10 percent of your salary, plus any employer match, over the course of a working career is the key to…
  • Resisting the siren call of convenience checks

    Karen Haywood Queen
    25 Mar 2015 | 7:03 am
    While on a walk, I started making a mental list of all the things we could buy and do once our savings account again reached critical mass. Carpet for the rec room concrete floor. A new range top with four working burners. New dishes to go with it. I was already over $5,000. Then, my dreams got bigger: new furniture, a hot tub and a screened-in porch to house the hot tub. That made another $25,000. On the practical side, my car -- a reliable Toyota -- has more than 250,000 miles and could last another 250,000 or conk out tomorrow. My husband's car, a less reliable brand I won't name, has…
  • Please, let us keep our expensive overdraft loans, prodded consumers cry

    Fred Williams
    20 Mar 2015 | 12:13 pm
    Overdraft loans on prepaid cards cost many times the interest rates charged on credit cards, even high-rate ones. But the costly little loans can be hard to live without, according to a flood of comments from users of NetSpend cards. "Leave the prepaid cards alone," Mary Hall wrote in a formal filing March 11. "We depend on them." Hall was among hundreds of NetSpend customers who -- after prompting from the company -- filed official comments in the past few weeks with the U.S. Consumer Financial Protection Bureau.   Most of the bureau's proposals get few comments from consumers, so the…
  • Despite wider availability, credit scores still baffle consumers

    Kelly Dilworth
    20 Mar 2015 | 6:36 am
    It's now easier than ever to see your credit score for free thanks to a growing number of credit card providers offering free credit scores to cardholders. But according to a study released March 12 by the credit bureau TransUnion, more access hasn't led to more understanding. Many consumers remain mystified by the three-digit number. The study, which included results from a February 2015 poll of 1,000 adult American consumers, finds we are especially confused by the data that goes into our credit scores and are frequently uncertain about what's included in our credit reports. For example, 45…
 
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    One Frugal Girl

  • The More You Give The More You Will Receive

    One Frugal Girl
    26 Mar 2015 | 8:49 pm
    In January of 2013, (a little over a year after my first son’s birth), I gathered up two large bags of clothes ranging in size from newborn to six months. At the time I didn’t hesitate at the thought of passing them on to someone else.  A friend of my husband’s delivered her baby fourteen weeks earlier than expected and that bag of gently used hand-me-downs was the least I could do for her. At the time I was pretty certain I wanted more children, but given my year and a half long struggle to conceive my son I didn’t know if it would be possible. What I knew in that…
  • Free Books: I Am in Love!

    One Frugal Girl
    25 Mar 2015 | 8:07 pm
    One of the best things about blogging is revisiting old posts. Reading my own words helps keep me accountable to myself. As a result of recent home renovations I created a little note to myself called A Few Things I Learned While Nesting, Purging and Streamlining. Lesson #7 including the following: Books are a huge waste of money if I never find the time to read them. I am not allowed to bring any new books into the house until I read the ones I already own. After I read them I will pass them on to someone else. I almost never read the same book more than one time so why on earth am I putting…
  • Medical Insurance Update – Labor and Delivery Costs

    One Frugal Girl
    20 Mar 2015 | 2:07 pm
    Our medical bills for the delivery of baby #2 just arrived and so far we owe just over $560. This included a $250 copay plus hospital inpatient charges up to our $3000 deductible. Our insurance rolled over on December 1st and it seems we racked up $3000 worth of medical charges between then and now. Due to my history of blood clots and advanced maternal age the doctors required weekly ultrasounds beginning in early February. Those radiology services amounted to nearly $900 worth of charges, but those weren’t the biggest hits to our wallet. Interestingly enough my husband’s…
  • Radio Silence: Baby #2 Arrives

    One Frugal Girl
    15 Mar 2015 | 11:43 am
    Baby #2 arrived a bit earlier than expected; three weeks early to be exact. I thought I had one more week to prepare for the arrival, but it simply wasn’t meant to be. As I labored in the hospital my husband and I walked the halls and tried to agree on names. In fact, up until an hour or two before delivery we were still hashing out ideas and going back and forth about our favorites. We settled on a name for a boy relatively quickly, but since we didn’t know the gender we continued to discuss girls names until my labor became too intense to think about anything other than giving…
  • A Guide to Saving for Maternity Leave

    One Frugal Girl
    5 Mar 2015 | 3:40 pm
    This post is part of Women’s Money Week. In my opinion as soon you decide to have children, (no matter how far into the future that day may seem), you should start setting money aside for the big day. Think of having a child like any other big financial goal in life. You know you need to save to buy a house, a new car or to travel on an exotic vacation, so why not save to expand your family? The sooner you decide to save the larger that sum will swell. If you don’t earn a lot of money set aside a little bit each paycheck. You’d be surprised how quickly those numbers can add up…
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    My Dollar Plan

  • Use a Best Rate Guarantee for a Free Hotel Room

    Madison
    30 Mar 2015 | 6:29 am
    After we spent the holidays on our free trip to Steamboat, I was hooked on a new hobby, finding ways to travel for free. Many of us are familiar with earning points and redeeming them for free nights using hotel rewards programs. Then I stumbled on a fascinating way to pick up free rooms without rewards: the best rate guarantee! What is a Best Rate Guarantee? Many of the hotel chains offer a best rate guarantee (BRG) program that rewards you with a free or discounted room if you find a lower rate on another website after you book your room (usually within 24 hours or so). Each hotel chain has…
  • Claim Your US Bank Cash Plus Extra $25 Bonus

    Madison
    27 Mar 2015 | 6:29 am
    Awhile back I converted my U.S. Bank FlexPerks Card to the US Bank Cash Plus Card to avoid the annual fee. Since you have to sign up for the Cash Plus 5% categories now, I added it to our list of Quarterly Rotating Rewards Cards. One of the benefits of the Cash Plus card is the redemption bonus. Every time you redeem $100 or more, you’ll get a $25 cash back bonus! However, my statement last month includes this note: Beginning April 1, 2015, the $25 Cash+ Bonus you receive when you redeem cash rewards for $100 or more in a single redemption will now be limited to one per the lifetime of the…
  • Did You Know You Can Claim the Foreign Tax Credit Without Living Abroad?

    Amanda
    26 Mar 2015 | 6:37 am
    There is a possibility that you may be suffering from double taxation. I know, we all suffer from double taxation, like when we pay sales tax when we purchase items with money that has been taxed by the federal government. Or when I used to work for the state government, and when I used my money (that was already taxed—federal income) to pay for things that were later reimbursed…I was taxed again (I know, sounds ridiculous; I had the HR department look into this and it is actually in the IRS code). But when you suffer from double taxation between countries—from your home country and…
  • New 2nd Quarter 2015 5% Rotating Cash Rewards Credit Cards

    Madison
    25 Mar 2015 | 6:21 am
    2nd quarter cash back is here and it’s focused on restaurants and home improvements this spring! It’s time once again to get all the cards organized, activated and into a regular rotation. Reevaluate Quarterly Cash Rewards It’s our quarterly check-in to reevaluate the cards we are carrying to take advantage of the best 2nd quarter 2015 cash rewards credit cards bonuses. Every quarter we reevaluate the cash back cards to make sure we get the highest cash back on each purchase including the credit cards that offer cash back on a rotating quarterly schedule. As you switch out…
  • Quitting the Rat Race at Age 39

    Madison
    24 Mar 2015 | 7:42 am
    My husband’s office at the university is closing this fall. While he was offered another position (with a raise!), he turned it down and he’s taking this opportunity to finally quit the rat race. He will be 39. Congratulations Scott! Later this year, my husband is finally joining me on a new adventure. Just like when I quit my job, I don’t really know what to call it… does this milestone in our lives really need a label? Leaving the corporate rat race is really a combination of being able to spend more time as stay at home parents, pursue part-time enjoyable self…
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    MoneyCrush

  • How to Create a Grocery Pricebook

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    23 Mar 2015 | 5:00 am
    Have you ever gone shopping for groceries and stocked up on things, only to find out that they went on sale the following week? It’s annoying, right? I don’t know about you, but I hate spending more than I need to on the items I buy on a regular basis. To avoid that, I’ve made note of what constitutes a good (or great!) price on those items and where it’s typically best to get them at. Get the right things at the best prices Setting up a price book allows you to buy the right items at the right places, for the best prices. In my case, I focus more on the right places…
  • A Life Lesson from my German Teacher

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    16 Mar 2015 | 5:00 am
    My high school German teacher hated it when people were late to class. But, there always seemed to be one smart-aleck student who would come in late anyway, announcing “better late than never”. “But better never late”, my teacher would reply. That same idea can be applied to funding retirement. It depends on where you’re at If you’re well into your career, but haven’t yet started funding retirement, it’s better late than never. If you’re just entering the workforce, it’s better never late. That’s because it’s so much…
  • If It Matters, Prove It

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    9 Mar 2015 | 5:00 am
    What’s your primary focus right now when it comes to financial goals? Are you getting out of debt, saving for a house, or building your career? Or maybe you’re gearing up for a leap out on your own into a small business. Regardless of your goal, identifying your primary focus is the first step. It’s an important one, but it’s still only the first one. After that, you have to prove that your financial goal matters to you if you want to achieve it. Why you’ve got to prove it It’s easy to say that you want to do certain things, but as the saying goes, actions…
  • Are You Blaming the Wrong Thing?

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    2 Mar 2015 | 4:00 am
    It’s pretty common to blame the wrong thing for financial troubles, a lack of fulfillment, or even just the inability to get ahead. I know, because I’ve been guilty of it too. A classic example A classic example often happens when working on getting out of debt. “If only the interest rates weren’t so high!” we think. Or, “By the time I get done paying all my bills, there’s nothing left to put toward debt. How am I ever going to dig my way out when something always comes up?” Common thoughts, right? The real problem The real problem, though,…
  • Digit Automates Your Savings Like Magic

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    23 Feb 2015 | 4:00 am
    Let me start out by saying that I pretty much never rave about things the way I’m about to now. (Unless you ask me about Antarctica! Then I won’t shut up.) And I’m sure not doing so here for the $5 I’ll earn if you sign up through one of my links. But hey, I AM a personal finance blogger, so it’d be silly not to offer the referral link :) Read on for an introduction to a money-related service that I think you’ll love. It’s like magic Ever wish you could save money like magic? Without having to think about it or spend a bunch of time setting things up?
 
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    Million Dollar Journey

  • Preparing for the Income Tax Deadline (2014-2015): Personal Taxes

    FrugalTrader
    30 Mar 2015 | 4:30 am
    Income Tax Deadline With the income tax deadline just around the corner for tax year 2014, which is April 30, 2015 it’s time to start thinking about what’s required to file.  If you are a small business owner, you have until June 15th to file, but any taxes owning must be paid by April 30th.  If you are entitled to a tax refund,  although the deadline is at the end of April, the sooner you file, the sooner you get your tax refund. When preparing to file, there is paperwork required to be collected for information purposes, or even to be submitted to CRA.  For me, I use a…
  • How our Family of Four Lives off One Government Salary

    FrugalTrader
    23 Mar 2015 | 4:30 am
    In my 2014 financial summary post, I mentioned that our family of four currently lives off one salary – mine.  Since then, I’ve received a number of emails from readers looking for details on how we do it.  It’s not only online readers who have questions, when I tell friends/co-workers that my wife is taking the year (or two) off, a pause and blank stare usually follows.  I can almost see the cloud above their head thinking…”how the heck are you doing that?” It’s one thing to have a stay at home spouse when the other spouse is a high income…
  • How To Score Well On Your Life Insurance Medical Test

    Guest Blogger
    16 Mar 2015 | 4:30 am
    Applicants looking to purchase a life insurance policy usually have to go through a life insurance medical test. This test consists of two components: a physical evaluation and a questionnaire session. Passing this test allows applicants to be approved for a life insurance policy. Many insurance companies also offer other benefits to applicants who score well on the medical test. These benefits include lower premium rates and a better risk classification (this makes it easier for the life insurance companies to qualify you for their life insurance products). If you’re thinking about…
  • Norbert’s Gambit w/ BMO, RRSP Withdrawal Tax Traps, Housekeepers, Homeschooling and more!

    FrugalTrader
    13 Mar 2015 | 4:30 am
    I was browsing through the archives yesterday and came by a gem of an interview with a 36 year old millionaire. Not only did QCash accumulate $1.5M by age 36, he retired at the age of 35! Norbert’s Gambit is a way to save on currency exchange costs at discount brokers. The process varies by the institution; Michael James on Money wrote about how to do a Currency Exchange with Norbert’s Gambit at BMO InvestorLine. Most, if not all, financial institutions provide a questionnaire for a potential investor to fill out; this helps them (and the investor) gauge the risk tolerance. Boomer…
  • Smith Manoeuvre/Dividend Portfolio Update – Q1 2015 Update – The Oil Plunge!

    FrugalTrader
    9 Mar 2015 | 4:30 am
    For those of you just joining us, listed below is my portfolio that is leveraged with money borrowed from my home equity line of credit (HELOC). As the money borrowed is used to invest, the interest charged is tax deductible. I started this portfolio in 2008 (at the height of the market) and write updates every quarter (or so) to show new positions added along with any market gains/losses. For more details on the strategy and procedure, check out my modified smith manoeuvre strategy and my comparison of online stock brokerages. Since the last update (August 2014), oil prices have plunged…
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    Bible Money Matters

  • The Legacy Journey By Dave Ramsey: Building Wealth And Leaving A Legacy

    Peter Anderson
    27 Mar 2015 | 11:04 am
    Dave Ramsey's new class, The Legacy Journey, looks in depth at building wealth, investing and God centered stewardship as a way to leave a legacy. The post The Legacy Journey By Dave Ramsey: Building Wealth And Leaving A Legacy appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • When Making Big Decisions, Consider The Opportunity Cost

    Peter Anderson
    26 Mar 2015 | 10:32 am
    Recognizing the opportunity cost of our decisions, and analyzing them closely is key in choosing the best financial path. Here's how you can count the cost. The post When Making Big Decisions, Consider The Opportunity Cost appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Swagbucks: What Is It, How Does It Work And What Can You Win?

    Melissa
    24 Mar 2015 | 9:21 am
    Swagbucks just celebrated their seventh birthday, and many people are just learning about this company that helps you earn free gift cards and prizes. The post Swagbucks: What Is It, How Does It Work And What Can You Win? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Great Big Cord Cutting Manual For Cost Conscious Consumers

    Peter Anderson
    19 Mar 2015 | 10:58 pm
    It's easier than ever to drop your expensive cable subscription. So how you can cut the cord, save some money and still watch all your favorite shows? The post The Great Big Cord Cutting Manual For Cost Conscious Consumers appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • TurboTax 2015 Review: Simplifying A Complex Tax Filing Process

    Peter Anderson
    17 Mar 2015 | 3:33 am
    TurboTax has gone through changes over the years, but one thing that hasn't changed is how easy it is to file using their product. Here's an in depth review The post TurboTax 2015 Review: Simplifying A Complex Tax Filing Process appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • Student Lines of Credit

    bigcajunman
    30 Mar 2015 | 4:48 am
    For my regular readers you will remember that I have a deal with my children, that I will attempt to pay for their first degree, in exchange I will not pay for their wedding ceremony, with the proviso that if I am asked to help out on the wedding (which I will do, I am not as heartless as I’d like to think I am), it is my party as well.  A follow on proviso is that they pay for any future degrees (although I will attempt to help out if it is possible). With this in mind, my middle daughter decided to go to Chiropractic College, and applied for a Student Line of Credit. Most of the big…
  • Death of EPost, More Madness, and #BestMoneyStories

    bigcajunman
    27 Mar 2015 | 6:11 am
    It does look like Canada Post’s Epost service is falling out of favor with some of their customers. I got a note from Bell stating that my bill will no longer be sent to Epost and that I should go to the Bell web site to get my bill. Bell would be a large client for Canada Post, wonder if other services are thinking of abandoning the service? I don’t really have a high opinion of the service, given I cannot attach it to Outlook or other E-mail readers (just as background). Another one of my favorite Ant Eaters actually an Aardvark (from the Pink Panther animated series) Brackets…
  • Best Financial Decision Ever

    bigcajunman
    25 Mar 2015 | 5:13 am
    Whilst wandering through my massive archive of older articles, I tripped across Take the Money or Leave It? which I wrote about a month after I got laid off from Nortel. Image courtesy of Stuart Miles at FreeDigitalPhotos.net In that article I mused the following interesting question (remember this was 2008 during the great crash): The options I have are: Leave my money in my former (or soon to be) employer’s pension scheme and start drawing from it at either age 55 or later. Take the money out and put it into a Locked In Retirement Account (LIRA), or at least the portion that the…
  • First Real Post from 10 Years Ago

    bigcajunman
    23 Mar 2015 | 4:08 am
    For those aficionados of my site, here is the my actual first post, where I sound like I am afraid I might give out bad advice (who me), so very lawyer like in content Greetings and salutations Well I have decided to give up some of my valuable TV watching time to put down on paper some of the tricks, traps, foibles and parables in the world of home finances (stuff like don’t spend more than you make, etc.,). Why should you read this? Well, I am NOT a financial planner or advisor and I do not try to pass myself off as one (I have the highest respect for anyone who wishes to use one),…
  • Spring has Sprung, Ten Years, The Madness and #BestOfThisWeek

    bigcajunman
    20 Mar 2015 | 4:52 am
    Spring has sprung, but the grass has most assuredly not risen (at least not here in Ottawa). Snow is everywhere, and most folks still have their snowtires on, so Spring may be officially here, but I can assure you, it is not spring here yet. Saw this in My Backyard, I think I agree I celebrated 10 years of writing here this week, with some flashbacks to my first days. Look on my twitter feed and maybe on this site for more of my more popular articles. Basketball March Madness continues down south, and in Canada the Carleton Ravens Men’s Basketball Team continues their dominance in…
 
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    Early Retirement Extreme

  • Democracy, Hollingworth, and the ingenuity gap

    Jacob
    30 Mar 2015 | 11:36 pm
    Hollingworth’s research in intelligence showed that the communications range from one person to another extends about two standard deviations(*) of IQ(**) points. [Suddenly certain communications barriers you may have make perfect sense, no? ] (*) Note that discussions on IQ rarely mentions which standard deviation is used which of course makes the number almost meaningless. The typical sd used are sd=15 (Wechsler), sd=16 (Binet), and sd=24 (Cattell). Most tests, texts these days use Binet numbers. Most older texts use Cattell numbers. Hence, an IQ of 145, 148, and 172 can be the same…
  • Active learning

    Jacob
    30 Mar 2015 | 11:29 am
    I just learned the toe drag scoop which is probably my greatest shot at ever pulling off the Michigan move in inline hockey. Of course any 12 year old player can probably do this. Then again it’s been years since I was 12. Learning is most effectively achieved when three conditions are present Quality instruction – You probably experienced the difference between a good teacher and a bad teacher. They come in four flavors. The best teachers teach the right subject well. Good teachers teach the right subject poorly. Bad teachers teach the wrong subjects poorly. The worst teachers…
  • Why it is so hard for Americans to be healthy and not spend money

    Jacob
    29 Mar 2015 | 11:22 pm
    The American health care system is broken. The reason is not that employer group plans makes insurance more expensive for those who don’t have an employer. No, the reason that the American health care system is broken is because Americans universally tend to believe that Technology can solve all problems. If you spend enough, you can get the technology needed for step 1. This is also the reason why so many people believe that they need a lot of money just to get by. Possibly this attitude comes from the country being one of engineers and businessmen (eggheads and peddlers? ), so lets…
  • First impressions count — fitting square pegs into round holes

    Jacob
    29 Mar 2015 | 11:17 am
    I’m still amused by a comment about Early Retirement Extreme I just read on reddit. Granted reddit is the archetypical site of the “tl;dr, but have opinion anyway”. Perhaps this is why the comment was so funny. On the other hand, it also shows the challenge of this site to enlighten the public opinion to what would be the third alternative; the two others being 1) go to college, get a job, buy a house and car, fill them with stuff, spend the rest of your life working to pay them off, or 2) sell cheesy crappy e-books on the web to fund your awesome lifestyle design. (Oh, how…
  • Rant on society’s expectations …

    Jacob
    28 Mar 2015 | 11:15 pm
    If I may … It seems that certain people take issue when certain other people decide to opt out of the “popular choice”, here, a lifetime spent working for the sake of accumulating stuff, in other words, a typical career. One of the most common complaints can be traced to the first half of the Marxist refrain: “From each according to his ability … “. Wow! Just wow! I really thought we had moved past collectivism. Yet, indeed, certain people would have you believe that if you are talented or have an education, then you are obliged to use it and keep on doing…
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - February 2015 ($1,998,602, +$28,830)

    webmaster@pfblog.com
    8 Mar 2015 | 7:37 am
    Recovering from the temporary setback in January, our net worth advanced almost $29K in the month and is now tantalizingly close to $2M. 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 - January 2015 ($1,969,771, -$12,136)

    webmaster@pfblog.com
    21 Feb 2015 | 5:07 am
    Our back-to-back five-figure monthly asset growth finally came to an end. In the month of January 2015, our net worth dropped over $12K, or about 0.6%. On a trailing 12 months basis, our war chest still delivered a comfortable improvement of $305K, or 18.4%. 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 - December 2014 ($1,981,908, +$68,396)

    webmaster@pfblog.com
    25 Jan 2015 | 4:12 am
    Our net worth closed the year of 2014 in a high note, climbing a whopping $68K in December. For the full year, we added over $322K to our bottom line, the largest of any year in our history. In fact, we recorded 5-figure monthly improvement in 10 of the 12 months in 2014, including nine back-to-back months between Q2 and Q4 of 2014. 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 - November 2014 ($1,913,512, +$57,816)

    webmaster@pfblog.com
    13 Dec 2014 | 10:36 pm
    November has been a great month for us. Riding on some substantial portfolio gains, our net worth climbed to a new high of over $1.9M, making this the 8th month of back-to-back five-figure growth. This year so far, we grew our financial fortune by over $250K. If 2014 ends today, it will be our largest annual gain, ever. 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 - October 2014 ($1,855,696, +$18,816)

    webmaster@pfblog.com
    11 Nov 2014 | 5:15 am
    Our net worth continued its steady growth in the month of October. The monthly gain of $18,800 propelled our year-to-date asset growth to almost $200K, handily beating our net worth improvement of $172K in the first 10 months of 2013. 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

  • February 2015 Net Worth Update (+$44,489)

    2million
    8 Mar 2015 | 8:46 am
    Highlights for FebruaryWe have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses last 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. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the…
  • January 2015 Net Worth Update (-$20,867)

    2million
    2 Mar 2015 | 3:46 pm
    Highlights for JanuaryWe have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses last 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. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the…
  • December 2014 Net Worth Update (+$1,239)

    2million
    15 Jan 2015 | 9:36 pm
    Highlights for DecemberWe 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. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the…
  • November 2014 Net Worth Update (+$26,286)

    2million
    22 Dec 2014 | 5:01 pm
    Highlights for NovemberBetween 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. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have…
  • Free EPIX HD Online Trial till March 6

    2million
    20 Dec 2014 | 6:25 am
    EPIX is offering a free trial until March 6 for their online movie streaming subscription. No credit card or existing cable account required to signup. I've signed up and used my account on an Android tablet and Chromecast. Per their website they also have apps for Apple, Roku, XBOX, PS3/4 devices. What is EPIX? Its a cable movie channel and the service is similar to a netflix subscription with focus on movie content. hat tip to slickdeals.net for the find.
 
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    Wealth Creation and Saving Strategies | OnMoneyMaking

  • Three Things To Look For In A Corporate Sign Company

    admin
    29 Mar 2015 | 7:22 pm
    These days, many business owners have realized that they need to enhance and optimize their advertising campaign. If this is the case for you, you may have realized that adding professional signs to your marketing campaign can help you attain the visibility and conversion rates you desire. To ensure that you find the perfect company from which to purchase your signs, be sure to look for the following characteristics in the business: 1. Industry Experience. When it comes to buying corporate signs, one of the first things you want to look for in the company is industry experience. Organizations…
  • Most Desirable Features of a Virtual Shopping Cart

    admin
    29 Mar 2015 | 6:04 pm
    Most online business owners understand that they need to have a reliable check out process for visitors who purchase items from their website. Today, this process usually involves a virtual shopping cart. Online shoppers send items to a website’s virtual shopping cart as they peruse the inventory. There are a few features that online business owners look for when they are choosing a shopping cart design. Take a look at some of the most common features that online business owners want in a virtual shopping cart. Security Shoppers want to know that their financial information is safe when…
  • Saving is the Best Way to Make Money

    admin
    4 Mar 2015 | 6:59 am
    You might be a bit baffled by the title of this article, but if you think about it a bit, you will see that it’s true: every dollar not spent is one extra dollar in your pocket. Sometimes the best way to increase the amount your wallet has is to choose services and products that are better value than others. Note that I don’t say “cheaper” – a lower price often means lower quality and value as well. Here are a few tips on how to save some extra bucks on things you use every day. 1. Learn to DIY DIY, or “Do It Yourself” has become a trend in the last…
  • Starting Up Your Own Business

    admin
    27 Feb 2015 | 1:59 pm
    Starting a small business can be a fun and exciting way for people to gain their own financial independence. It is also a way for people to escape working for a boss they hate at a job where they are not appreciated and underpaid. No matter what type of business you choose to start, you will need to promote it and let people know it exists. This is the part of starting a small business that many people get wrong. They spend so much time worrying about their inventory and finding suitable employees that they don’t stop to consider the best ways to let the public know about their…
  • A Case For Self-Reliance In Stock Trading

    admin
    25 Feb 2015 | 4:53 pm
    Before the financial crisis, the world of high finance had become its own priesthood. If anyone could understand derivatives, then they were considered the physicists of finance. However, when Lehman Brothers collapsed, the financial system went into a seizure. In those scary times, the world economy almost toppled over. Although the economy has rallied despite an $18 trillion deficit, our naiveté has also returned and the default state when it comes to investments is to go with an investment banker rather than manage our own investments. Perils on the Path of Least Resistance According to a…
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    How I Save Money.net

  • Should I Pay Rent Early To Get A Chance At One Month Free?

    Lulu
    30 Mar 2015 | 6:43 am
    I am wondering if I should pay my rent early to get a chance to win one month free. My apartment complex has been having issues with people paying rent late and then having to charge them late fees. To alleviate this problem they came up with the idea of having a raffle of everyone who pays rent early, so those people can win a chance to win one month’s rent! The bad thing is that you have to pay before the last day of the month, meaning that if I enter now I would be paying twice in one month. The good thing is that if I win I could get one month totally rent free and that means money…
  • Finally Filed My Taxes

    Lulu
    23 Mar 2015 | 12:38 am
    So I finally filed my taxes, despite trying to get them done early. One of the reasons I was procrastinating is that I kept thinking I was missing a document. I kept looking for that document and even requested for it to be resent to me, without realizing that I was not supposed to get one in the first place. I finally realized my mistake and ended up filing online using one of the free systems. I got word that my return was received and I should look forward to my tiny return in a few weeks. Related posts: Finally Filed My Taxes! So I finally filed my taxes and I am so... Taxes Are Completed…
  • One Reason To Bank Online: Mobile Deposits

    Lulu
    20 Mar 2015 | 3:31 pm
    Banking online is so easy and one reason to bank online is the feature of mobile deposits. What could be easier than taking a picture of the front of your check and having the deposit go straight to your account? For most banks the method is the same: -Log in to your mobile banking app -Select deposits -Snap a photo of the front of the check using your smart phone -Snap a photo of the back of the check -Type in the deposit amount -Hit done In a few minutes you get an email saying your deposit was received and you get a date when you can destroy the check. No more waiting in line at the bank…
  • I Need New Pots And Pans

    Lulu
    17 Mar 2015 | 7:10 pm
    I need new pots and pans but I really don’t want to go shopping for them.  When I moved here for school two years ago I bought a really cheap set of pots and pans because that was all I could afford. I usually take very good care of my things and they last me a long time…BUT my first room mate used my things when I was not at home and ended up using some of my pans. The bad thing is she used metal utensils on my pots and pans and scraped some of the lining.  She also melted some of my plastic spatulas but that is a different story. In any case, the lining of my non-stick pans…
  • Friday Finances: March 2015 Week 2

    Lulu
    13 Mar 2015 | 8:08 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month. This week my expenses were: $5.39 for lunch after a midterm. I had already planned in advance that I would buy lunch on that  day because I had been very stressed out over that exam. This was part of the budgeted ‘eating…
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    Funny About Money

  • Not-a-Cancer: Updated Update

    funny
    30 Mar 2015 | 8:14 am
    Isn’t it lovely: today I do not have to go to the Mayo! Friday I drove out to the clinic on the far side of Scottsdale, having been summoned by the medical oncologist WonderSurgeon works with. When I asked them what the appointment was for, they told me it was “a six-month followup.” So I say, “Follow-up to WHAT? What’s this conversation going to be about?” You understand, it’s a fifty-mile round trip and I don’t want to spend two hours and a quarter-tank of gas to schlep out there for nothing. She refused to tell me. When I got the printed…
  • Time to Move Along?

    funny
    28 Mar 2015 | 7:48 am
    Lately, I’ve been thinking it’s time to move — and by that, I mean move a long way away. The news of where this country is headed has become that alarming. The Arizona legislature is infested with crazies whose politics and thinking are so extreme, so far to the right (if “right” is the word to use: “wrong” is where they’re coming from) that these people can only be described as the new Taliban. Right now we have a nut case who proposes, apparently with a straight face, a bill requiring everyone in the state to attend church. This red-blooded…
  • Prerogatives of the Self-Employed

    funny
    26 Mar 2015 | 11:41 am
    Okay…hang onto your hats. In about 15 minutes, I’m going to knock off working and take a nap. It’s 11:07 a.m. as I scribble.  And why? you ask? Because I can. It’s a prerogative of self-employment. Before you go “That’s exactly what I suspected self-employment was all about,” bear in mind that another prerogative of the self-employed is to work from 5:30 a.m. to 10:00 or 11:00 p.m., seven days a week. We might call that, actually, a “definition” of the self-employed. Last night, as usual, I knocked off around ten o’clock. This…
  • The Costco/AMEX Strategy: It WORKED!

    funny
    24 Mar 2015 | 5:44 pm
    A month has gone by since I resolved to visit Costco once (count it: 1ce) a month and no more! This, in hopes of keeping the spending more or less under control. The theory was that Costco is a gigantic hole into which to throw money, an effect amplified by the refulgent impulse buys that call out to one the instant one enters the door. So last month I flew in said door on the first day of the February/March budget cycle, which begins on the 22nd of any given month (the day after the AMEX billing cycle closes). Being out of just about everything, I dropped $350 that day. Holy mackerel.
  • Monday Morning Mountain Walk

    funny
    23 Mar 2015 | 1:23 pm
    Early this morning the dogs and I walked about a mile and a half through the neighborhood. And once again I was left thinking, This is not the kind of exercise that’s gonna take the flab off the belly. Wrestling a half-trained dog around a park and up a few sidewalks does not, alas, fill that bill. We got back to the house early enough, however, that I realized that I could lock up the puppy, throw on a pair of boots, and head over to North Mountain Park for a short hike over at least some terrain that offers a little up- and downhill walking. It’s been a year since I’ve…
 
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    Lending Club Blog

  • Lending Club 2 – Back in the Race

    Lending Club
    26 Mar 2015 | 1:58 pm
    We’re excited to see Renaud back at the helm! Renaud is teaming up with famed American sailor Ryan Breymaier for several races and world speed sailing record attempts to take place in the UK and on the East and West coasts of the U.S. over the next 6 months. The two men have chartered a 105-foot maxi trimaran they generously named “Lending Club 2.” While stationed in New York and San Francisco, Lending Club 2 will be taking guests, including kids from New York and Bay Area schools, for a fun sail in New York Harbor and San Francisco Bay. Stay tuned for status updates on the new…
  • Lending Club Store’s Grand Opening

    Lending Club
    20 Mar 2015 | 10:20 am
    We were thrilled at the support we received from all of you during our IPO, and at the number of inquiries we received about the bright red jackets our team and guests wore on the floor of the New York Stock Exchange. So, we’ve decided the easiest thing to do would be to just open our online company store to all of you. The store features a number of Lending Club-branded gifts and apparel, including the now famous red jacket! Our brand is meaningful to us – we wear it with pride, and hope you will too. Welcome to the Club! Click here to start shopping! The post Lending Club Store’s…
  • LendIt is just one month away!

    Lending Club
    13 Mar 2015 | 10:22 am
    Congratulations to the LendIt team, who rang the opening bell at the NASDAQ in NYC this week in anticipation of LendIt 2015. Footage from last year’s LendIt Conference was featured on the NASDAQ’s big billboard. We’re excited to head back to NYC for the biggest marketplace lending industry event to reunite with old friends and meet new ones. Check out the conference agenda to see a list of panels and speakers – let the countdown begin! The post LendIt is just one month away! appeared first on Lending Club Blog.
  • Nearing Retirement – How an IRA Can Help

    Lending Club
    25 Feb 2015 | 3:27 pm
    An Individual Retirement Account (IRA) can help you prep for retirement If you’re preparing for retirement, you may have opportunities to contribute to an IRA. A Lending Club IRA[1] can combine steady monthly cash flow with tax advantages. Have you considered one to help grow your nest egg? The good news is that you still have time. Catch up contributions and annual contributions Individuals who were age 50+ by the end of 2014 can make “catch-up” contributions to certain retirement accounts. For Traditional and Roth IRAs, the catch-up amount is $1,000 above the standard limit. And, if…
  • How an Individual Retirement Account (IRA) can help you reduce your taxes

    Lending Club
    23 Jan 2015 | 12:33 pm
    For many investors, January is the time for financial New Year’s resolutions, revising retirement strategies, and looking for ways to reduce their tax bill. January is a great time to think about an IRA, which can offer solid returns and tax advantaged growth. Why now? The start of the new year is a great time to think about IRA contributions for 2015. The sooner you fund your IRA, the sooner you can start earning tax-advantaged returns. You could earn more money just by starting your investment earlier. If you didn’t deposit money into your IRA for your 2014 contribution, it’s not too…
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    MintLife Blog | Personal Finance News & Advice

  • Property Detective: A Checklist for Renters (Infographic)

    CoverHound
    26 Mar 2015 | 10:01 am
    Choosing a place to live can be tricky – so before checking out a new property, it’s important to make sure you’re armed with the right supplies and questions to ask so you don’t run into any surprises on move-in day! Click on “Launch Infographic” for an expanded view.  This infographic was sponsored by CoverHound, where you can compare car insurance rates in as little as 3 minutes.
  • Raising Kids Who Are The Opposite of Spoiled: An Interview With Ron Lieber

    Kim Tracy Prince
    23 Mar 2015 | 8:07 am
    Journalist Ron Lieber has been writing about the complicated relationship between humans and money for two decades. In his newest book, The Opposite of Spoiled, he attempts to identify just what the opposite of spoiled is, in order to guide parents as they prepare their children to become financially wise adults. Lieber collected stories from families who seem to have figured it out. The key, it seems, is to involve children in family money matters from a young age. Between speaking engagements on his book tour, I talked with Lieber about why kids should not do chores to earn their weekly…
  • 5 Financial Spring Cleaning Tips & Tricks

    Mint.com
    19 Mar 2015 | 7:17 am
    After a brutal winter, many of us are ready to embrace spring with open arms! The arrival of spring also signals seasonal cleaning duties such as cleaning windows, putting away the winter wardrobe and breaking out the flip flops. But don’t forget to include your personal finances in your spring cleaning “to do” list!  Spring is the perfect time to tackle financial clutter–from refreshing budgets to going paperless to cleaning up your credit score. Here are 5 tips that make it easy to do a financial clean sweep this spring: 1. Refresh your budget Kick off your financial spring…
  • 4 Ways to Preserve Your Pot of Gold

    Matthew Amster-Burton
    17 Mar 2015 | 6:53 am
    ’Tis the season to think green! So let’s do as the leprechauns do and celebrate a goal shared by real and imaginary creatures alike: protecting one’s stash. Whether you’ve got an overflowing pot of gold or a more modest balance sheet, here are four principles for protecting your wealth. Insure Your Stash The biggest threat to your wealth is unforeseen expenses, especially medical bills; home and car repair; liability; and lost income due to death or disability. Failing to carry insurance against catastrophic losses isn’t thrifty; it’s shortsighted. The good news is that more…
  • Budgeting Basics: 4 Things Everyone Needs to Know

    Holly Perez
    13 Mar 2015 | 7:52 am
    I spoke at the Women’s Money Conference recently and asked the audience how many of them put everything on their calendars. Nearly every hand shot in the air. When I asked the women how many use their calendars to schedule time to manage or revisit their budgets, the sea of hands went down. Surprising? Not really. Budgeting is often seen as intimidating, time consuming or a sacrifice. But good news, it doesn’t have to be. Whether you’re just starting out as a recent college grad or entering your golden years of retirement, here are 4 budgeting basics everyone needs to know. Get…
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    Ultimate Money Blog- Save Money and Live Green!

  • Diono Pacifica Review

    Mrs Money
    26 Mar 2015 | 11:27 am
    Since Penny was born, we’ve had a few car seats: her infant car seat, and two convertible car seats.  The first convertible we bought Penny she didn’t like because she couldn’t see out the windows.  We bought a new one that sat her higher up and she much preferred that to the old one.  As she grew, it became harder to get her in and out of the car seat due to the high sides.  I grew frustrated of having to lift her in the seat and sometimes almost hit her head on the top of the car!  We started researching and came across the Diono Pacifica, and fell in love.  The…
  • Homemade Stain Remover Recipe

    Mrs Money
    17 Feb 2015 | 1:13 pm
    The other day I ran out of my normal laundry stain remover and had to make some with items I already had on hand. Here’s what I used: -1 part blue Dawn (I used 1/2 cup of the original that I buy at the Dollar Tree. It is the non concentrated but any Dawn will work) -2 parts hydrogen peroxide I put it in my old stain remover bottle, which is dark blue, so that the hydrogen peroxide will still work when I use it on my clothes. You have to keep hydrogen peroxide in dark bottles. I used blue Dawn because it cuts through grease on EVERYTHING, and so far it hasn’t disappointed with…
  • One and Only Child

    Mrs Money
    12 Jan 2015 | 11:01 am
    After the birth of our daughter Penny, I said I wanted at least two more babies.  My thinking was that since we had such a hard time conceiving the first time (we were even considering adoption at one point) surely the second time it would be much easier.  Unfortunately that wasn’t the case.  Last year about this time we decided we would like to try to have another baby.  I met with a new doctor who is a fertility specialist, and she devised a plan to help us get pregnant.  I went through various medications, shots, hormones, ultrasounds, etc. and no progress.  Mr. Money and I…
  • 2015 Goals

    Mrs Money
    2 Jan 2015 | 9:14 am
    Now that it’s 2015, I’d like to get our financial and life goals written down so we’ll have focus.  It is really hard for me when I don’t have some idea of what my goals are.  I feel like I’m lost!  Mr. Money and I discussed the things that are important to us, and where we’d like to be in a few years.  Here are some of the things we touched decided we’d like to accomplish: -Pay $5,000 down on the principal of our house.  According to the amortization, this puts us ahead.  We decided that paying off our house is probably not the number one…
  • 2014 Goals Review

    Mrs Money
    1 Jan 2015 | 9:13 am
    Happy New Year!!  I cannot believe it is 2015. I feel like I just wrote our 2014 goals!  For the past few years (2009, 2010, 2011, 2012.) I have made and updated our financial and life goals here on my site.  I’d like to review our 2014 goals and see how we did!  Here are our goals, and how we measured up. -I’d like to get $5,000 paid down on the principal of our mortgage.  SUCCESS! We actually paid off $5105.29 this year!  I didn’t make any huge extra principal payments- we refinanced last summer and went with a 20 year mortgage and because of that a lot more of our…
 
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    Money Crashers

  • What Is Bike Sharing? – 10 Best Bike Share Programs in North America

    Brian Martucci
    26 Mar 2015 | 7:10 am
    Not everyone can be a regular bike commuter. Some folks live too far from work, some have erratic schedules, some would have to traverse dangerous roads or brave adverse weather conditions, and others – including yours truly – work out of a home office. But even if you don’t bike to work, you can still bike […] What Is Bike Sharing? – 10 Best Bike Share Programs in North America is a post from the Money Crashers personal finance blog.
  • 9 End-of-the-Year Teacher Appreciation Gift Ideas on a Budget

    Jacqueline Curtis
    24 Mar 2015 | 9:00 am
    As the end of the school year approaches, parents’ top concern is likely signing up their little ones for swimming lessons, summer camp, or any of a host of extracurricular activities. However, before the final school bell rings, it’s also important to say thanks to their teachers. Educators often work long hours for low wages, […] 9 End-of-the-Year Teacher Appreciation Gift Ideas on a Budget is a post from the Money Crashers personal finance blog.
  • The Future of Automobiles & Car Technology – Hybrid, Electric & Driverless Cars

    Michael Lewis
    23 Mar 2015 | 8:00 am
    In a single century, the introduction of the automobile has spurred massive changes in American culture, the communities in which we live, the environment, the economy, and personal independence. Every aspect of daily life has changed, from the places we live, to the food that we eat. Automobiles, increasingly available to anyone, have blurred social […] The Future of Automobiles & Car Technology – Hybrid, Electric & Driverless Cars is a post from the Money Crashers personal finance blog.
  • How to Stop Cyber Bullying and Keep Your Kids Safe Online

    Michael Lewis
    20 Mar 2015 | 9:00 am
    While constitutionalists and libertarians can argue about the rights of free speech on the Internet, it’s an entirely different matter when you’re the victim of sustained harassment or threats of physical violence. According to a Pew Research poll, 73% of adult Internet users have seen someone harassed online, and 40% have been victims. Another Pew […] How to Stop Cyber Bullying and Keep Your Kids Safe Online is a post from the Money Crashers personal finance blog.
  • 7 Ways to Make Audrey Hepburn Your Fashion Style Icon on a Budget

    Jacqueline Curtis
    19 Mar 2015 | 9:00 am
    According to Marie Claire, a 2015 survey by skincare brand Artistry by Amway found that, even after all these years, silver screen darling Audrey Hepburn is women’s most popular style icon. Others in the top 10 include Marilyn Monroe, Grace Kelly, and Sophia Loren, so the competition obviously wasn’t easy. Audrey Hepburn’s style, grace, and sophistication […] 7 Ways to Make Audrey Hepburn Your Fashion Style Icon on a Budget is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Six costs of free – and how to avoid having them eat your lunch

    John Wedding
    21 Mar 2015 | 4:50 am
    There’s not a thing wrong with free.  In fact, free is one of my favorite four-letter words. But, it always pays to remember that “free” is not the same thing as “without cost.”  Something that’s free may be without monetary cost, but there’s almost always some other cost. There’s no such thing as a free lunch.  Somebody pays for it.  That somebody may be you. Here are six types of costs of free things: 1.  Time Costs Time is not money.  It’s far more valuable than money for a couple of reasons: Time can only be spent once.  Then…
  • Rebate site review: DollarDig.com

    John Wedding
    13 Mar 2015 | 3:27 am
    I use cash-back rebate sites for my purchases whenever it makes sense. After getting a free account at these sites, it’s only 30 seconds or so to save a few bucks — or even lots of bucks! — at thousands of online stores. Using Dollar Dig is simple: Sign up for a Dollar Dig account, which is completely free. Log into Dollar Dig before you shop online. If Dollar Dig offers cash back on some purchases from the store you’re going to buy from, go to that store through the link on Dollar Dig instead of typing it in your browser. That really is it! It’s that simply to start…
  • Nine tricks for buying discounted gift cards safely

    John Wedding
    27 Feb 2015 | 3:22 am
    Buying discounted gift cards can be an easy way to spend a bit less. There are a number of websites that sell discounted gift cards, both physical and electronic. Depending on the retailer, the savings can be a few percent to 25% off, or more. Though buying discounted gift cards is straightforward, I do concede that it’s not completely without risk, for a few reasons: Someone else has the gift card’s information, and could potentially spend the balance down even after they’ve sold the card to the broker website, or directly to you. Physical cards need to be mailed to you,…
  • Five items to stay powered up and warm

    John Wedding
    18 Feb 2015 | 5:26 am
    The winter weather in our area, like other places in the country, has been pretty bone-chilling the past few days.  Not nearly as bad as in the northeast, but still chilly. We learned the hard way a few years back that we weren’t quite prepared for a multi-day loss of power.  We had kind neighbors, and that got us through.  The experience motivated us to prepare a bit so that we could be the kind neighbors the next time around. Our heat was zapped … literally This weekend, we had gale-force winds on top of sub-zero temperatures.  The winds caused power fluctuations at our…
  • If margins are thin, discounts are tough

    John Wedding
    13 Feb 2015 | 1:09 am
    Do you notice how some stores seem to have 50%-off sales a lot of the time?  Does this make you think that the regular prices are about 100% too high? Walmart and Amazon.com aren’t like this at all.  These two retailers are perhaps best known for their low prices.  To offer low prices every day, they have lots of efficiencies built into their business models, and very small profit margins. Some discount tricks don’t work as consistently Many stores offer coupons to bring in shoppers.  But aside from those, there are still a few ways to shave a few percent off here and there on…
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    Spilling Buckets Personal Finance

  • Good Credit Scores: The Best Kept Secret to Immediate Savings

    Ryan
    26 Mar 2015 | 11:29 am
    As the struggle to make ends meet becomes more challenging for households around the US, everyone is looking for ways to cut back. From switching insurance providers to cutting back on entertainment expenses, every penny saved is a penny that can be contributed to other expenses. While there are plenty of methods you can use to save money, one that is often overlooked is improving your credit score. Most would assume that you improve your credit score so that you can borrow money or qualify for certain services, but what is not clearly understood is that a good credit score equals instant…
  • Essentials to look for in your next home

    Ryan
    11 Dec 2014 | 3:22 pm
    Shopping for a new home is always exciting. There are so many aspects to consider and requirements to be met. However, other than the size of the kitchen or the number of bedrooms, you should also pay attention to the building’s energy efficiency rating. If you are not careful a poorly constructed or designed house can cost you thousands in utility bills and climate-control costs. Luckily, it is possible to have a beautiful home that is economically sustainable as well as environmentally friendly. Below are some energy and cost-saving features you should look out for when choosing your next…
  • Expat wealth is possible if you follow a plan

    Ryan
    9 Dec 2014 | 8:14 am
    The road to financial freedom is a bumpy one, and debt seems to creep up on us in the middle of the night. Opening a Qatar current account is likely to be the least of your worries when moving to the tiny peninsular Gulf state to live and work. That’s because it’s a fairly straightforward procedure. Indeed, armed with an international account, courtesy of your bank back home in the United States or Britain, you may not even need to open one. But if you do, it’ll prove useful for all of your day-to-day banking needs. Simply apply to the Qatari bank of your choice, provide…
  • 3 Questions to Ask Yourself Before Taking Out a Payday Loan

    Ryan
    7 Dec 2014 | 4:08 pm
    Just about everyone has been strapped for cash at one time or another. A family emergency or some other out-of-the-blue expense leaves you short, with no idea of how you’re going to make it through until your next payday. Where can you turn for the cash you need to stay afloat?   Situations like these are exactly why payday loans were created – but hold it right there before you rush off to apply for one. A payday loan may help you get by in the short term, but could it snare you in a debt trap? Will you get caught up in a never-ending cycle of high interest rates, hidden fees, and…
  • How to Trade Put and Call Options

    Ryan
    30 Oct 2014 | 2:59 pm
    How to trade put and call options is not all that difficult, nor are they the most volatile or riskiest of investments, once you understand the basics. To explain how to trade a call option let’s look at the below example. ABC Paper Company On June 1, the stock of ABC Paper Company is $67. There is a July 70 call with a cost of $3.15. This means the expiration of the call is the third Friday in the month. The strike price is $70. The total cost for 100 is $315. Do not worry about commissions for right now. Remember when you by a stock option you are purchasing 100 shares. The price of the…
 
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    Girls Just Wanna Have Funds

  • CySEC Regulation of Binary Option Brokers

    Ginger
    30 Mar 2015 | 5:40 am
    Ever since the introduction of binary options, there have been a number of complaints from traders regarding the regulation of brokers that offer binary options. Even though there are a few binary option brokers that aren’t placed on the regulation agency list, most of the platforms are now required to follow the rules and guidelines provided by the CySEC regulation agency. By doing so they will be able to build trust with their clients and increase their confidence in the financial services provided. The agency that is responsible for regulating all derivative market agencies is known as…
  • GoBank: Breaking Down Brick And Mortar Banks One Swipe At A Time

    Ginger
    16 Mar 2015 | 5:00 am
    GoBank (owned by Green Dot) is one of the newer competitors on the prepaid debit card scene.  And if you’re like me, you like when the new kid on the block challenges the status quo. In this case, brick and mortar banking. Mobile Banking GoBank wants you to bank on the go.  The handy mobile app?  That’s your bank.  They’ve managed to change the game in this regard because let’s face it, we all have busy lives and I don’t look forward to making a trip down to my bank to conduct transactions I can easily do from home.  Allowing me to bank from home is a major…
  • When Your Deadbeat Partner Ruins Your Credit

    Guest Contributor
    9 Mar 2015 | 5:31 am
    If you suspect that your partner is wrecking your good credit it can be a frightening situation. How do you really know what’s going on?  How do you protect yourself? How can you clean up the wreckage? These are just a few of the important questions you need answers for pronto.  The good news is you have options and you don’t have to let Mr/Mrs. Spendthrift trash your financial future. The thing is, when your partner sinks their credit, this behavior can have far reaching consequences for you.  My guess is you’ve worked way too hard to get to where you are today to sit back and…
  • 4 Of The Best Career Lessons From Jobs I Hated

    Ginger
    5 Mar 2015 | 4:00 am
    Hate is a strong word, but I’ve been there.   And I suspect you have too. Getting up everyday for a loathsome job we detest for any number of reasons. Moody menopausal boss. Coworkers with personalities that rival Gemma from Sons of Anarchy.  Clients who force you to reconsider your reason for living. Been there.  Punched the clock! However, at the time, I had no idea the lessons that were being shoved down my throat would be invaluable.  I’m certainly aware of them now.  These are lessons I would have never learned had I not been put in certain positions. Honoring My Worth…
  • 4 Tips for Women Entrepreneurs for 2015

    Ginger
    4 Mar 2015 | 11:49 am
    Women entrepreneurs have a lot to look forward to in 2015.   The economy is continuing to pick up, and small businesses are enjoying renewed success. But, that doesn’t mean there won’t be any challenges ahead. Whether you’re dealing with financial decisions, marketing woes, or another business issue, use these tips to thrive as a woman entrepreneur in 2015. Track for Finances Efficiently You’ll need the right accounting tools at your disposal if you want to stay on budget in 2015. Many entrepreneurs don’t realize just how important it is to look at their…
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    The Finance Buff

  • 2015 and 2016 HSA Contribution Limits

    Harry Sit
    26 Mar 2015 | 10:25 am
    The contribution limits for various tax advantaged accounts for the following year are usually announced in the fall, except for HSA, which come out in the spring. The IRS will announce contribution limits for Health Savings Account (HSA) for 2016 soon. Due to mild inflation and rounding rules, the 2016 HSA contribution limit for individual coverage will stay unchanged. The 2016 HSA contribution limit for family coverage will go up by $100. HSA Contribution Limits 2015 2016 Change Individual Coverage $3,350 $3,350 none Family Coverage $6,650 $6,750 +$100 Age 55 Catch Up Contribution As…
  • 2015 Federal Poverty Levels (FPL) For Affordable Care Act

    Harry Sit
    26 Mar 2015 | 9:36 am
    People who don’t have health insurance from work can buy health coverage under the Affordable Care Act, also known as Obamacare. The premiums are made affordable by a premium subsidy in the form of a tax credit calculated off your income relative to the federal poverty levels (FPL), also known as HHS poverty guidelines. You qualify for the premium subsidy only if your modified adjusted gross income (MAGI) is at 400% FPL or below. Modified Adjusted Gross Income for Obamacare is basically your gross income minus above-the-line deductions, plus tax-exempt muni bond interest, plus untaxed…
  • Schwab Intelligent Portfolios: Primary and Alternate ETFs

    Harry Sit
    24 Mar 2015 | 7:45 am
    I went through the questionnaire for Schwab’s new robo-advisor product Schwab Intelligent Portfolios. There were 12 questions. The interface looked very good. Asset Classes Breakdown I answered the questions truthfully as myself. I was given this portfolio of 16 asset classes, 77% invested in stocks, 11% in fixed income, 4.7% in commodities, and 7.3% in cash. The 16 asset classes were exactly the same as the ones given in Schwab’s FAQs for Investor 1 and Investor 2. This is more aggressive than how I currently invest. So are the portfolios recommended to me by Wealthfront and…
  • Adjust Cost Basis for ESPP Sale In H&R Block Software

    Harry Sit
    18 Mar 2015 | 10:26 pm
    After reading my article Adjust Cost Basis for ESPP Sale In TurboTax, reader Roger asked me how to do the same in H&R Block software. The new IRS regulation for ESPP shares acquired in 2014 requires adjusting the basis. Otherwise you will pay double-tax on your gain. When to Report Before you begin, be sure to understand when you need to report when you have ESPP. You report when you sell the shares. If you only bought shares under ESPP but you didn’t sell during the tax year, there’s nothing to report yet. Wait until you sell, but write down the full per-share price (before the…
  • Schwab Intelligent Portfolios: The True Cost of A Cash Drag

    Harry Sit
    17 Mar 2015 | 7:48 am
    Duke University behavior economics professor Dan Ariely described in his book Predictably Irrational that people give special treatment to zero more than the number itself deserves. If good-tasting chocolate costs $1.25 and bland-tasting chocolate costs $0.25, some will go for the better taste and some will go for the cheaper price. If good-tasting chocolate costs $1.00 and bland-tasting chocolate is free, a lot more people will go for the now free bland-tasting chocolate even though the price difference between the two is still the same. We see this effect alive and well in the reaction to…
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    Maximizing Money

  • TradeKing $200 New Account Bonus Offer – Biggest Ever

    Max Messner
    30 Mar 2015 | 2:35 pm
    There is a TradeKing $200 new account bonus offer that is available through April 30, 2015. You'll get a $200 TradeKing New Account Bonus when you open an account with at least $3,000 and make 3 trades. This is the biggest TradeKing bonus ever for $200, as it is usually only for $100 at the most. Read more details about this TradeKing $200 New Account Bonus that is only available for a limited time. Review these other Brokerage Account Promotions for more investing deals. The post TradeKing $200 New Account Bonus Offer – Biggest Ever appeared first on Maximizing Money.
  • Chase Total Checking Coupons $300 Bonus thru May 7, 2015

    Max Messner
    30 Mar 2015 | 2:30 pm
    Chase now has coupon codes available for a $300 Total Checking account bonus with a direct deposit as well as a $150 Savings account bonus with a $10,000 deposit for 90 days. Get your $300 Chase Personal Checking Bonus Code now before they are all gone. The post Chase Total Checking Coupons $300 Bonus thru May 7, 2015 appeared first on Maximizing Money.
  • Astoria Bank Checking Account up to $250 Bonus in New York

    Max Messner
    30 Mar 2015 | 2:27 pm
    Astoria Bank (formerly Astoria Federal Savings) is offering a $50 bonus for both new and current checking account customers when you activate a direct deposit, plus new customers can get a $250 bonus for a limited time with Simple+ and Select checking accounts. Astoria Bank services Brooklyn, Queens, Nassau, Suffolk, and Westchester counties in New York. Check out this Astoria Bank Bonus for more details. The post Astoria Bank Checking Account up to $250 Bonus in New York appeared first on Maximizing Money.
  • American Airlines Credit Union $25 Personal Checking Bonus

    Max Messner
    30 Mar 2015 | 2:25 pm
    The American Airlines Credit Union is offering a $25 personal checking bonus. The AA Credit Union is open to anyone working in the Air Transportation Industry and their families. Check out these AA Credit Union Promotions for more details. The post American Airlines Credit Union $25 Personal Checking Bonus appeared first on Maximizing Money.
  • Bank Mutual Refer A Friend Program Returns with Bigger Bonuses

    Max Messner
    30 Mar 2015 | 2:22 pm
    The Bank Mutual Refer A Friend Program has returned with bigger bonuses than ever before, as current customers can now earn $50 for each friend that you refer (previously $20), plus new customers will get $100 for opening a new checking account. Bank Mutual branches are mostly located in Wisconsin, but there is a single branch in Minnesota if you live along the border in Woodbury. The post Bank Mutual Refer A Friend Program Returns with Bigger Bonuses appeared first on Maximizing Money.
 
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    Abacus Wealth Partners

  • Laura, Nancy and Me: Living Simply and Doing the Right Thing

    Susan Olson
    26 Mar 2015 | 12:57 pm
    I read voraciously as a girl, so books that came in a series that I could read one after another appealed to me. Cleaning my attic last month revealed some old first-edition copies of two favorites, Little House on the Prairie and Nancy Drew. On one hand, you have the self-sufficiency and simplicity of early pioneers. I’m sure life on the prairie was no picnic, but there was a comforting feeling of abundance amongst the simplicity, even in a world where a beloved rag doll really was made of rags. Nancy Drew, on the other hand, was a well-dressed feminist, kicking the butts of criminals…
  • Mind the (Age) Gap

    Barrett Porter
    19 Mar 2015 | 1:23 pm
    I could hear the pain in her voice when she shared her biggest concern: not being able to spend more time with her retired, much older spouse because she has to work to support their lifestyle. Since they didn’t do any advance planning and weren’t good at saving in their 40s and 50s, early retirement is not an option for her. Having just begun my own relationship with someone older, it got me thinking about the challenges that might lie ahead for us. My guess is that he will be winding down with work or outright retiring while I’m still going strong with my career. So does…
  • Can’t vs. Won’t—Why We Spend What We Do

    Neela Bushnell Hummel
    12 Mar 2015 | 10:14 am
    When I was in high school, I had one financial priority: to get my own car. I got a job and eschewed pricey off-campus lunch options so that every penny I made would go toward the car. In the end, I was able to buy my very own (and very used) Ford Explorer. No lunch would have tasted as good as buying that car felt. As I’ve gotten older, my financial trade-offs have evolved. A house has unseated a car as my top savings goal. And thankfully, I’m no longer hoarding baby-sitting money in order to fill up my gas tank. But buying that car taught me my first lesson in financial…
  • Protecting Your Pet (And Your Wallet)

    Kari Jean Glosser
    5 Mar 2015 | 11:54 am
    My dog, Katie, turned 5 this week. Katie is energetic, loving and healthy, but this wasn’t always the case. In 2012, she underwent major surgery for a life-threatening liver condition. The costs were well beyond what I could have ever imagined. All of the appointments, prescriptions, hospital stays and tests leading up to and following her surgery totaled over $13,000. For anyone who feels that protecting a pet is non-negotiable, pet insurance can save you a lot of money in the long run. If I had purchased pet insurance for Katie when I adopted her as a puppy, the majority of the…
  • Leaving Money to Kids

    Spencer Sherman
    26 Feb 2015 | 2:23 pm
    Billionaire Warren Buffett was famously quoted as saying that when it came to leaving our children money, the sweet spot is “just enough so that they would feel that they could do anything, but not so much that they would feel like doing nothing.” Bill Gates said more or less the same thing. He has left less than a tenth of 1% to his kids (albeit that is $30 million!). Twenty years ago, my clients routinely left their entire net worth to their children. There wasn’t a question or decision to be made; it was automatic. Now clients at all levels of wealth are re-evaluating…
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  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
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  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
 
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  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
  • add this feed to my.Alltop

  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
  • add this feed to my.Alltop

  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
 
  • add this feed to my.Alltop

  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
  • add this feed to my.Alltop

  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
  • add this feed to my.Alltop

  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
 
  • add this feed to my.Alltop

  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
  • add this feed to my.Alltop

  • Strategies to ensure you ace the interview

    30 Mar 2015 | 7:06 pm
    Strategies to ensure you ace the interviewGettyWhether you've gotten the call for the job of your dreams or are looking to make a career change, these tips can help you stand out.4 tricks to wow your interviewerMore on the job huntClues as to why you're not hired How to handle a promotion denial
  • Victim officially identified in fatal NYC explosion

    30 Mar 2015 | 7:06 pm
    Victim officially identified in fatal NYC explosionAPOfficials said Monday that a 23-year-old man was pulled from the rubble caused by Thursday's blast in Manhattan's East Village.Investigation takes a new turnMore news2 federal agents charged with fraudGuinea closes border to fight Ebola
  • 10 symptoms your man shouldn't ignore

    30 Mar 2015 | 7:06 pm
    10 symptoms your man shouldn't ignoreGettyMen are notoriously lax about getting a doctor's opinion -- but certain signs call for action. If he does this frequently, be worriedMore from Lifescript11 signs of a prostate problemIs hormone therapy the answer?
  • Prince William takes to the air with new job

    30 Mar 2015 | 7:06 pm
    Prince William takes to the air with new jobAPKensington Palace said William, 32, began work Monday as an air ambulance helicopter pilot. How the move will impact his royal dutiesMore headlines10 dead after church van crashOfficials probe mobile park killing
  • Boston bombing trial ends with grisly testimony

    30 Mar 2015 | 7:06 pm
    Boston bombing trial ends with grisly testimonyAPAt least three jurors cried and wiped their eyes with tissues on Monday as the prosecution rested their case against Dzhokhar Tsarnaev.Chilling words from the final witnessMore newsWorld leaders' personal info leakedLand mines kill Iranian border guards
 
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    Bible Money Matters

  • The Legacy Journey By Dave Ramsey: Building Wealth And Leaving A Legacy

    Peter Anderson
    27 Mar 2015 | 11:04 am
    Dave Ramsey's new class, The Legacy Journey, looks in depth at building wealth, investing and God centered stewardship as a way to leave a legacy. The post The Legacy Journey By Dave Ramsey: Building Wealth And Leaving A Legacy appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • When Making Big Decisions, Consider The Opportunity Cost

    Peter Anderson
    26 Mar 2015 | 10:32 am
    Recognizing the opportunity cost of our decisions, and analyzing them closely is key in choosing the best financial path. Here's how you can count the cost. The post When Making Big Decisions, Consider The Opportunity Cost appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Swagbucks: What Is It, How Does It Work And What Can You Win?

    Melissa
    24 Mar 2015 | 9:21 am
    Swagbucks just celebrated their seventh birthday, and many people are just learning about this company that helps you earn free gift cards and prizes. The post Swagbucks: What Is It, How Does It Work And What Can You Win? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Great Big Cord Cutting Manual For Cost Conscious Consumers

    Peter Anderson
    19 Mar 2015 | 10:58 pm
    It's easier than ever to drop your expensive cable subscription. So how you can cut the cord, save some money and still watch all your favorite shows? The post The Great Big Cord Cutting Manual For Cost Conscious Consumers appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • TurboTax 2015 Review: Simplifying A Complex Tax Filing Process

    Peter Anderson
    17 Mar 2015 | 3:33 am
    TurboTax has gone through changes over the years, but one thing that hasn't changed is how easy it is to file using their product. Here's an in depth review The post TurboTax 2015 Review: Simplifying A Complex Tax Filing Process appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • How to Avoid the Negative Influences of the Wealth Effect

    Joe
    30 Mar 2015 | 9:00 am
    Did you know that recessions are good for your savings account, but a booming economy tends to drain your savings? It’s true. In April, 2005, when the stock market was booming, personal savings in the United States dipped to 1% but jumped to as high as 6% during the recent recession. Why this phenomena? Because we instinctively cling to what we have when times are tough, but we also loosen those purse strings when good times return. Meir Stratman, a behavioral finance expert at Santa Clara University, explains that this tendency, known as the wealth effect, has occurred predictably during…
  • Why You Should Build Your Savings Before Paying Off Debt

    Kevin
    27 Mar 2015 | 9:00 am
    So many people who are in debt try – and repeatedly fail – to get out of it. They might beat themselves up for being “weak” or utterly incapable of mastering their finances. In truth, they’re neither weak nor incapable. They’re probably just going at it in the wrong way. Simply resolving to get out of debt isn’t enough to make it happen. You have to make changes in your life that will enable you to do it. One of the best ways to enable yourself to begin getting out of debt is to first focus on building your savings. To many, this can seem like the exact opposite of what’s…
  • 5 Free & Insanely Helpful Apps To Help You Get Control of Your Money

    Bob
    26 Mar 2015 | 2:05 pm
    1. Personal Capital See all your accounts in one place with their award-winning software. Their free tools let you manage your entire financial life from one secure place – the one app to eliminate the rest of them. They have become the go-to app for managing your total financial picture.  One of my favorite features is their fee-checker in which they analyze your 401k (and all other investments) to make sure you aren’t paying too much in fees. Find out more about Personal Capital here. 2. MoneyStream Never miss paying a bill again. Organize your bills with their automatic bill…
  • How Cars Affect your Financial Freedom

    Bob
    25 Mar 2015 | 6:05 am
    I had a revelation about cars that has caused me to not really care what mine looks like. It’s not that I don’t want a really fast car, it is just that there is something I want a bit more: financial freedom. Is any car worth your financial freedom? The thing I have noticed is that so many people give up financial freedom for their whole lives solely because of the decisions they make with their cars. I know it sounds like a bold statement, but I think it is frightening how true it is. For most people, a car is the second largest purchase they ever make. Second only to their home.
  • Why Term Life Insurance is Your Best Bet

    Kevin
    23 Mar 2015 | 8:00 am
    We normally don’t think too much about life insurance. And since it’s a type of insurance that relates to the end of our lives, it’s the kind we really don’t like to think about much either. After all, health insurance helps to keep us alive, and auto insurance is required by law. But life insurance? But the reality is that if you have dependents, survivors, or simply people who love you, then you need to have a life insurance policy. And just like other insurance policies, we never want to pay too much for life insurance. The way to do that is by buying term life…
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    PT Money

  • TradeKing $200 Cash Bonus for New Accounts

    Michael Pruser
    22 Mar 2015 | 2:00 pm
    TradeKing, one of our favorite online discount brokers has launched a spring promotion where new customers earn a $200 cash bonus!  In order to receive the bonus, there are a few stipulations that must be met. The account must be opened before April 30th, 2015 $3,000 or more needs to be deposited A minimum of $3,000 (minus losses) must be left in the account for at least six months Three trades need to be executed within the first 90 days. A $200 bonus link must be used when signing up.  No promo code is required or accepted so click any link within this post for the bonus. If any of these…
  • Progressive Auto Insurance Claims Review

    Michael Pruser
    16 Mar 2015 | 11:00 am
    Insurance.  It’s a staple within the realms of responsible personal finance, but one I absolutely despise. I hate the idea of insurance, the process of claiming insurance and generally speaking the companies which offer insurance. Every month I write a $600 check for my families health insurance, I grind my teeth on the way to and from the mailbox. Be that as it may, I understand that without insurance, I’m taking risks I cannot afford to. And so, I currently spend $1,100 on a total of four different insurance policies. When I turned 18, I started with buying my own auto…
  • Women Aren’t Talking About Money – Here’s Why

    Emily Guy Birken
    20 Feb 2015 | 8:57 am
    A recent study by Fidelity Investments has uncovered some intriguing paradoxes about women’s relationship with money. Despite the fact that 92 percent of the women involved in the study want to learn more about financial planning, and 83 percent want to get more involved in their finances in the next year, a whopping 80 percent admitted that they have refrained from discussing money with family and friends. In addition, only 47 percent feel confident when talking about finances with a financial professional—compared to 77 percent who would be comfortable discussing medical issues with…
  • How to Plan a Move Across the Country

    Jason Price
    11 Feb 2015 | 1:01 pm
    Have you ever thought about packing up and relocating to a new city or state? A lot of people do so (on average 7,628,000 move to a different state each year) for many reasons which may include pursuing job opportunities, moving closer to family and friends, or simply a change in lifestyle. Relocation can be fun, a growing experience for your family and certainly full of learning opportunities. Just over a year ago my wife and I moved to Southern California to pursue a dream to live closer to the coast and enjoy all the beauty and nice weather SoCal has to offer. We spent about a year…
  • TradeKing Advisors Review | New Investment Advisory Service with No Fees for a Year

    Jason Price
    5 Feb 2015 | 6:07 am
    Are you comfortable managing your own investments or do you prefer a professional to do it for you? Personally, I’ve worked with financial advisors in which I was completely hands off (too much so) as well as subscribed to a professional momentum investment strategy where I did all the trading and rebalancing based on their monthly recommendations. After a while of working with my commission based financial advisor, I began to get the feeling the investment choices weren’t in my best interest. After a while of conducting my own trades and rebalancing, I got lazy and didn’t manage my…
 
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    RetirementRevised

  • Medicare doc fix: something for everyone to dislike, but a needed reform

    Mark Miller
    26 Mar 2015 | 5:22 am
    Congress is headed toward a bipartisan solution to the long-standing threat of sharp reductions in Medicare’s payments to doctors. But the so-called “doc fix” will be expensive, and Medicare beneficiaries will pay part of the bill. The big questions: How much? And, could a doc fix be achieved without hitting up seniors to pay part of the bill? The phrase “doc fix” refers to the annual threat to cut Medicare payments to physicians under a payment formula called the Sustainable Growth Rate (SGR). Enacted as part of the Balanced Budget Act of 1997, the SGR seeks to keep physician…
  • Lump sum pension offers: Don’t count on your employer for advice

    Mark Miller
    19 Mar 2015 | 2:15 pm
    If you are due a pension from a former employer, there is a good chance you were or soon will be offered a lump-sum payment in exchange for giving up that guaranteed monthly check for life. Should you take it? Probably not, but making a smart decision depends on a complex set of assumptions about future interest rates, possible rates of market returns and your longevity. It is a tough analysis unless you have an actuarial background. Unfortunately, employers are not providing enough information. That is the conclusion of a recent review by the U.S. Government Accountability Office of 11…
  • Aging in place is popular, but does it always make sense?

    Mark Miller
    13 Mar 2015 | 2:17 pm
    It’s been a mantra in recent years: most Americans want to stay right where they are in retirement. Aging in place is the preference expressed by older Americans in most surveys – a view that springs, in part, from rebellion against the notion that retirement communities in the Sunbelt states or institutional settings like nursing homes are the right place for all older people. Aging in place can be a good option – but it’s not always realistic. Issues to consider include the cost of upkeep and healthcare and proximity to family, recreation, leisure activities and…
  • Building retirement security by avoiding job burnout: A Q&A with Kerry Hannon

    Mark Miller
    12 Mar 2015 | 6:43 pm
    Kerry Hannon If you are counting the days to retirement because you hate your job, career expert Kerry Hannon has a message for you: “Stick with it.” Burnout is one of the biggest problems in the workplace, especially for older workers. An annual survey on retirement by the Employee Benefit Research Institute consistently finds that about half of workers retire earlier than they expected – and that job burnout is a key factor. But sticking it out is important to retirement security, Hannon says in her new book Love Your Job: The New Rules for Career Happiness (Wiley, 2015).
  • How Your Social Security Benefit Is Calculated

    Mark Miller
    12 Mar 2015 | 5:00 am
    Stephen C. Goss If you’ve checked your annual Social Security statement lately, you probably know the size of the benefit you’re projected to receive in retirement. But do you know how that number is calculated? Social Security determines your initial benefit at full retirement age (FRA) using a complex formula that takes into account your earning history, wage inflation, and a present-value calculation. If you want to understand how the math in those formulas works, there’s no better person to ask than Stephen C. Goss, chief actuary of the Social Security Administration…
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    Intelligent Speculator

  • Apple ($AAPL) Remains A Screaming Buy

    IS
    23 Mar 2015 | 2:00 am
    One of the key metrics/charts that I always look at when trying to judge Apple is the distribution of revenues for the company. Analyst Horace Dediu (a must follow @Asymco) updates several charts after each earnings update and here is the most recent one following the 2014 Q4 results: Clearly, Apple is all about iPhones at this point and that is likely to remain the case as long as the smartphone is at the center of our digital lives. I would also argue that as the ecosystem continues to expand, the revenues coming from the periphery will expand. In terms of hardware, that will translate…
  • Ultimate Sustainable Dividend Portfolio – March 2015 Update – The Good and The Bad

    IS
    19 Mar 2015 | 3:13 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. I usually do monthly updates but I got late on this latest update and one month slow became 2-3… but I’m back, and ready to get more active:) There is certainly good and bad news here: 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: TickerNameSharesMar 18 PricesMar 18 Values OMCOmnicom…
  • The Ecosystem Play Update ($AAPL, $AMZN, $FB, $GOOG, $MSFT)

    IS
    16 Mar 2015 | 2:00 am
    Last night I saw a very interesting video about the main ecosystems which got me thinking. It’s a quick view if you have a few minutes: Then this morning I decided I’d write a bit more and started looking back for my previous posts about the ecosystem play. My first post about it seems to have been posted 2 years ago to the day. In that article, and many others that followed, I argued that the ecosystem companies will dominate the tech space and that as technology enters our daily lives, they will become incredibly powerful. I’ve said multiple times that owning all of them…
  • Top 100 Dividend Stocks – March 2015 Edition – Net Neutrality?

    IS
    3 Mar 2015 | 1:00 am
    Today, I’m back with a look at the top dividend stocks (in terms of yield) in the S&P500. As is often the case, 4 of the top 9 names (WIN, CTL, T, FTR) are in the telecom space and will end up being impacted by the ruling regarding net neutrality. I’ll personally be very interested to read more about the impact over the entire industry and how it will impact some players more than others. Something that will be discussed more over time. Who Rises To The Top? I often talk about the danger of looking at the top of these rankings to find the best dividend plays and that…
  • New Trade: Long Apple ($AAPL) & Short Blue Nile ($NILE)

    IS
    2 Mar 2015 | 1:00 am
    We’re 2 months in and the portfolio is up over 10% so I really cannot complain but I know that every time I open a short position, there is risk of a decent size loss so there’s certainly no reason to celebrate yet. As is always the case you can see my long & short trades (from 2015 but also past years) here: http://www.intelligentspeculator.net/livetrades Let’s start off by looking at the numbers for today’s trade, two stocks that I’ve paired off against each other very often over the years: TickerNamePricePE RatioPE Next YearReturn YTDSales GrowthAnalyst…
 
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    Kingdom Calling

  • A Coming Storm Update

    Wes Bridel
    3 Mar 2015 | 4:06 pm
    The following is a reprint of the March 2015 Coming Storm newsletter… A Coming Storm Update Good news.  The work of the Lord is progressing.  I haven’t written much in the past couple years in part because I didn’t have anything different to say than what I’ve already said.  I would write from time to time to say that I felt we probably had a couple more years before the economy turned down again.  Today I have a different opinion. I believe this is the year that we begin to see the economy begin to crack apart.  My guess is that if I’m correct and these things begin in…
  • A Couple Updates

    Wes Bridel
    25 Mar 2014 | 5:17 pm
    It’s been too long since our last post and as you’ll read below, we hope to get this blog a little more active.  I wanted to make this quick post just to point out a couple things going on with: 1) The newest addition to our team here at Kingdom Calling 2) A friend’s blog and business who helps writers get published as New York Times Best Sellers & 3)  A short word on geopolitical & macroeconomic events Welcome Robin Slaughter!Robin has joined us as the Office Manager here at Kingdom Calling and our other related businesses.  I’ll probably speak more about a…
  • The Government has “Saved” us from the Government!

    Wes Bridel
    16 Oct 2013 | 12:47 pm
    It appears as I write this that the government will come to a Debt Ceiling agreement just in the nick of time.  Of course, that has probably been their plan for months (and is exactly what I would have told you months ago if you had asked what they will do).  This appears to be a favorite strategy of Pres. Obama’s although he provides no leadership in these matters, so it’s hard to say it’s his strategy. Do you believe that crises as been averted?  Or do you see this as more along the lines of the politicians creating a crises so that they can avert one for their own political…
  • QE to Infinity

    Wes Bridel
    11 Oct 2013 | 10:56 am
    Could QE go on forever?  I think Jim Sinclair coined the term “QE to Infinity” to mean that the US Fed’s printing of money will never stop.  They can’t possibly stop it based on their current thinking and objectives.  What they are doing is an incredibly stupid idea, but their choice is basically to have crises soon, or keep printing and hope that the crises comes on the next guy’s watch…even though that means the crises will be bigger than it had to be. Well, when we put out the August newsletter, we told you all of this.  At that time, just about everyone on Wall Street…
  • Gold & Silver: Backwardization & Conclusion

    Wes Bridel
    9 Sep 2013 | 3:10 pm
    The gold and silver markets have had a crazy year with big drops in US dollar prices and a big bounce from the lows.  We’ve been discussing these markets here and here.  Today we’ll look at another big issue and conclude the focus on silver and gold before moving on to other topics… Backwardization This is why the gold futures prices have been in backwardization for months now.  This is unprecedented.  As it stands now, the market will pay you to hand over your gold bars today and collect new ones in the future.   (We’re talking big bars here, this isn’t something…
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    Don't Quit Your Day Job...

  • Dow Jones Return Calculator

    PK
    30 Mar 2015 | 4:00 am
    On this page is a calculator for investment returns on the Dow Jones Industrial Average with a unique benefit not found anywhere else – it allows you to estimate the return contribution of dividends reinvested in the index! The Dow Jones Industrial Average Dividends Reinvested Price Calculator (With Inflation Adjustment) Ed: Consider this calculator a beta – and we need your help.  Just like when our S&P 500 Calculator was first posted (what, two years ago?), there are probably a number of bugs with this early version.  Please let us know in the comments or by email if…
  • Pay Down Debt or Invest the Cash?

    CameronDaniels
    25 Mar 2015 | 4:00 am
    Over much of the internet, it is encouraged to pay down your high interest debt before investing in a Roth IRA or putting money into a 401(k) above the employer match. The difficulty has always been in defining what, exactly, high interest means. The true break-even solution is when the returns you make on your investment is equal to the interest rate on the debt. In this scenario, it is effectively a wash… But what number should you use for determining your investments? What about inflation? What about the psychology of paying down debts? What about the specter of uncertainty? These…
  • First Month Living Without a Car

    CameronDaniels
    23 Mar 2015 | 4:00 am
    Recently, I moved to San Francisco and as part of the move I decided to sell my vehicle and live car-less. I felt (and feel) that I could get most of my transportation around the city done with bicycle or public transportation. So long as I can get to/from work and to/from a grocery store, then I should be fine. I’d like to report in on my progress so far. Expenses: Bus/Light Rail – $72.75 Commuter Rail – $36.50 Subway – $9.65 Uber/Lyft – $33.96 Total: $152.86 The real question, comes, would this be more or less than owning a car? Let’s do some simple math: Gas @ 25 mpg @ 20 miles…
  • Payday Lending and its Economics

    CameronDaniels
    18 Mar 2015 | 4:00 am
    Spurred by a recent article, I wanted to touch on a particular industry that we have discussed previously here at DQYDJ: payday lending. Traditionally, this industry (estimated $46 BB sizing from the article) has skirted some of the other unsecured lending regulations (like credit cards) by restructuring the terms of the agreement to not technically be a loan or a lending product but instead a cash advance or an advance on a paycheck. These advances often come at extremely high APR-equivalents due to the small dollar amount involved, the short time-frame and the inherent risk involved. Very…
  • Should You Ignore Inflation in Investment Returns?

    PK
    16 Mar 2015 | 4:00 am
    No, you shouldn’t ignore inflation in stock returns. Well, actually – when you go to pay taxes on a sold investment… you need to ignore inflation when calculating your capital gains.  However, when you’re evaluating your investment performance, you better pay attention to how you performed against inflation – considering that simply buying Treasury Inflation Protected Securities would have, you know, protected you from inflation. What’s The Argument Against Adjusting For Inflation? I realized that there was an anti-adjustment advocate while reading Barry…
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    Quizzle Wire

  • Where the super-rich are buying homes

    Miranda Marquit
    30 Mar 2015 | 6:00 am
    If you’re looking to live like the super-rich, where would you move? For the most part, according to data from the U.S. Census, the super-rich cluster around coastal cities in the United States. And, even on a global scale, the U.S. is a destination for the super-rich — at least when it comes to buying multiple homes. ManhattanMiami Real Estate reports that a recent Knight Frank Wealth Report ranks London the top global city for individuals with ultra-high net worth, with New York coming in second. Other cities gaining ground in the world of ultra-high net worth include Singapore and…
  • How to Stop Paying PMI

    Cathy
    27 Mar 2015 | 6:00 am
    Sometimes when you buy a house with a mortgage, the mortgage lender requires you to also buy Private Mortgage Insurance or PMI. PMI is the lender’s way of protecting itself from the risk that you might fail to pay back the mortgage – if you default on the loan, the issuer of the PMI policy will pay the lender most or all of the outstanding balance. The cost of a PMI policy customarily depends upon the amount of the mortgage and can vary widely – anywhere from $30 to $100 per $100,000 borrowed. Although the lender is the beneficiary of the PMI policy, the borrower is required…
  • Why Apple turned to bonds for fundraising

    Miranda Marquit
    25 Mar 2015 | 6:00 am
    At the beginning of February 2015, Apple raised more than $6 billion by selling bonds on Wall Street. So, did Apple need to raise that money by selling bonds? Honestly, probably not. However, companies need to raise cash, and one way to do that is to sell bonds, in addition to selling stock. And with bond rates low right now, and Apple at the center of debates over the way American companies stash billions in cash overseas to avoid paying taxes, it makes sense to look at a low-cost bond offering to raise some money. Low-cost money for AAPL Many companies have multiple ways to get the capital…
  • Why you should keep your business credit separate from your personal credit

    Miranda Marquit
    23 Mar 2015 | 6:00 am
    For many entrepreneurs and solopreneurs, it’s common to create a business with personal financial resources. For someone like me, with a solo business and no employees, it’s especially tempting to use my business financial resources as my personal financial resources. After all, my income is my family’s income. It all goes to the same place, so it doesn’t matter if it’s a little mixed up, right? Actually, it does matter. Keeping your business finances separate from your personal finances is important if you want to make things easier for you, and reduce trouble come tax time.
  • How to do a balance transfer the right way

    Miranda Marquit
    20 Mar 2015 | 6:00 am
    If you’re looking to pay down debt, one of the best tools at your disposal is the 0% APR balance transfer. Using the balance transfer strategy, it’s possible to take your high-interest credit balances and get a break on the rate, allowing you to boost your principal payment each month. “Many credit card companies offer these low rates anywhere from six to 21 months,” says Andrew Gauthier, the founder of Red Cedar Advisory. There are a number of places to find credit cards offering balance transfer deals, including consumer credit sites like Quizzle. (See what cards may be available to…
 
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    Get Out of Debt Guy

  • MSI Credit Solutions Opens New Office in Memphis

    Steve Rhode
    30 Mar 2015 | 1:43 pm
    Frisco, TX (PRWEB) March 30, 2015 MSI Credit Solutions is proud to announce that they have recently opened a new office location in Memphis, TN. The new location will allow the company to expand their services to more consumers in the area. The new office will be located at 930 S. White Station in Memphis, ... The post MSI Credit Solutions Opens New Office in Memphis appeared first on Get Out of...
  • Is the AAFES Military Star Credit Card Screwing Over Veterans?

    Steve Rhode
    30 Mar 2015 | 12:42 pm
    Ashley Woods wrote to me and expressed grave concern about a situation she ran into with an AAFES Military Star credit card she owed. It’s one thing to have a balance due but it’s quite another when the collection company appears to just make up what you owe. Ashley she was contacted by Transworld Systems ... The post Is the AAFES Military Star Credit Card Screwing Over Veterans?...
  • Should We File Bankruptcy Because of Business Debts?

    Steve Rhode
    30 Mar 2015 | 11:57 am
    Money, Credit and Debt Advice – Get Out of Debt Guy Question: Is There Hope for Us in Bankruptcy? Dear Steve, We have roughly $80,000 in credit card debt. We have 4 children, 2 in college and 2 yet to go. We own a small business that we run out of our home in addition ... The post Should We File Bankruptcy Because of Business Debts? appeared first on Get Out of Debt Guy - Steve Rhode.
  • CFPB Stops Bad Check Debt Collector From Frightening Consumers

    Steve Rhode
    30 Mar 2015 | 11:19 am
    Today, the Consumer Financial Protection Bureau (CFPB) announced an enforcement action against a nationwide debt collection operation and its chief executive officer for using deceptive threats of criminal prosecution and jail time in order to intimidate consumers into paying debts for bounced checks. The company also misled consumers into believing that they must enroll in ... The post CFPB...
  • Let The Game of Whack-A-Mole Begin: Feds Put Forward New Payday Rules

    Research Department
    30 Mar 2015 | 11:00 am
    If there’s any industry that has mastered the art of the loophole, it’s high-cost lending. When faced with unwanted regulation, lenders are well-practiced at finding an opening that will allow them to charge triple-digit interest to their customers. As we have reported, they’ve been playing a giant, ongoing game of whack-a-mole with regulators and lawmakers ... The post Let The Game of...
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    Creditshout

  • Discover it Card Review: Still The King of Cash Back in 2015?

    Kevin
    25 Mar 2015 | 6:00 am
    CREDITSHOUT RATING: Excellent Editors Note: We have just updated our Discover it review for 2015. We can confirm that Discover it is still the king of cash back – having gained a some notable perks over the last year including a major partnership with Amazon.com to make redeeming rewards easier than ever. Cardholders also now receive complimentary access to their FICO scores on their monthly statement and through the Discover mobile app. You can read our full updated review below. Click Here to Apply Now on CreditSoup® Discover it Overview The new Discover it® credit card is perfect…
  • Capital One Quicksilver Card Review

    Kevin
    17 Mar 2015 | 7:21 am
    CREDITSHOUT RATING: Very Good If you want a straightforward rewards card that gives you a flat cash back on everything you buy — not just certain categories — then the Capital One QuickSilver may be for you. With no annual fee and 1.5% back on all your spending, it’s hard to beat. Overview of the QuickSilver Card The Capital One QuickSilver card is is revamp of its predecessor, the Cash Rewards card, which gave you a flat 1% back on all spending then a 50% bonus on the cash back you earned at the end of the year. The new QuickSilver gives you the full 1.5% back right away…
  • Ink Bold Business Card Review

    Kevin
    12 Jan 2015 | 4:52 am
    CREDITSHOUT RATING: Excellent Verdict: The Chase Ink Bold was a popular business charge card that was discontinued at the end of 2014. You can still choose between two Ink business cards: the Ink Plus and the Ink Cash, both of which offer great rewards. The Chase Ink Plus is a good alternative to the now retired Ink Bold card, giving you 5x points in popular business spending categories and the ability to transfer points to popular frequent travel programs. The card has a $95 annual fee, waived the first year. If you want a business card with no annual fee, the Chase Ink Cash card earns 5%…
  • Citi Forward Credit Card Review

    Kevin
    12 Jan 2015 | 4:17 am
    CREDITSHOUT RATING: Very Good Verdict: The Citi Forward was one of the best rewards programs around, earning 5 ThankYou points per dollar at book stores, theaters, fast food and restaurants. The Forward card and the student version were discontinued in 2014. If you’re looking for a rewards card that offers 5x points, check out the Discover it card instead. The it card earns 5% back on rotating categories and 1% back on all other spending with no annual fee. It also has a student version if you’re in college. The review below is now for reference purposes. Overview The Citi…
  • The Citi mtvU Platinum Select Credit Card Review

    Kevin
    12 Jan 2015 | 4:13 am
    CREDITSHOUT RATING: Very Good Verdict: The Citi mtvU card was popular among college students for more than seven years, but it was discontinued and coverted to the Citi Forward card in 2012 — which was then discontinued less than two years later. If you’re looking for a good student credit card to establish your credit and give you rewards, you have several great cards to choose from instead. If you’re interested in earning Citi ThankYou points, the ThankYou Preferred Card for Students is a good option. The card has a bonus offer of 2,500 points and it earns 1 point on all…
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    Credit Card Chaser

  • When to Make a Balance Transfer

    Alice
    27 Mar 2015 | 11:22 am
    One of the best ways to keep credit card payments as low as possible is to use a credit card with a low interest rate. In many cases, new credit card customers can get an interest rate of 0 percent for as many as 18 months after signing up. Those who have a large balance on a current credit card account may wish to transfer that balance and save money on their monthly payments. What are some situations when making a credit card balance transfer makes sense? You Don’t Like Your Current Credit Card If you think that you deserve a higher credit line, would like to take advantage of cash…
  • America’s 10 Worst Cities for Renters

    Alice
    19 Mar 2015 | 2:03 pm
    After the financial crisis of 2008, it became almost impossible to buy a home, forcing would-be home buyers into the renters’ market and driving up the prices of apartments around the country. Some of the cities to take the largest hits in rising rent prices are also some of the most well-known cities in the country; however, some might surprise you. Nabbing an apartment in one of these cities can be extremely competitive due to low vacancy percentages so having stellar credit is a must to be considered for an apartment. 1. New York City, NY The Big Apple is notorious for having some of the…
  • Do You Need this Credit Card Service?

    Alice
    13 Mar 2015 | 3:04 pm
    If you’ve obtained a credit card in the past few years, it’s likely that the associated credit card company has attempted to sell you additional services that they offer. Identity theft coverage. Debt consolidation. Credit score tracking. These are all services that credit card companies urge customers to purchase. They sound logical and enticing at the time of the company rep’s pitch, but are they really worth it? Each person has a unique financial situation. However, the universal answer to this question is a resounding, “NO.” These are six examples of…
  • Top Tax Season Tips

    Alice
    6 Mar 2015 | 2:57 pm
    The tax season begins in mid-January, giving filers three months to gather all their information and prepare to file. For filers expecting a refund, tax season might be something to look forward to. It’s almost like a savings plan, receiving untouched money in a lump sum. On the other hand, those who make too much, or do not have enough deductions, or simply did not withhold as much, tax season becomes a thing of dread as they expect to pay the IRS. Furthermore, for those with complex returns with all the itemized deductions, credits and so on, tax season is immediately stressful. Three…
  • How Can You Retire Rich?

    Alice
    26 Feb 2015 | 2:46 pm
    Everyone envisions retirement as the golden years where you live a lavish life off your substantial nest egg. The sad reality is that most retirees find themselves having to get a second job to maintain their standard of living. Everybody should be rich at retirement. All it takes is the proper long-term planning throughout one’s career. Three of the most important keys to retiring rich are sound investment strategies, smart spending habits, and setting financial goals. Let’s look at these three areas in more detail. Sound Investment Strategies The biggest difference between…
 
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    Ready To Be Rich

  • The Two Pains in Life: Which One Would You Choose?

    Fitz
    29 Mar 2015 | 8:17 pm
    Pain is a part of life. And no matter how much you try to avoid experiencing pain, there will be times when it is inevitable. Pain is good, because when you feel pain, it means that you are still alive. If you don’t feel pain, you’ll never know that touching a flame hurts, and you […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Two Pains in Life: Which One Would You Choose?Attend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
  • Globe myBusiness Launches Samsung Galaxy S6 Offer

    Fitz
    26 Mar 2015 | 3:43 pm
    Today, a few words from our brand partner, Globe myBusiness. Globe Telecom, through its small and medium enterprise (SME) arm Globe myBusiness, continues to inspire success among Filipino entrepreneurs as it offers the best devices that enable them to run their operations while on the go. And their latest offering is the Samsung Galaxy S6 […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Globe myBusiness Launches Samsung Galaxy S6 OfferAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the…
  • On Treadmills, Thailand and That Thing Called Tadhana

    Fitz
    25 Mar 2015 | 5:57 pm
    My current personal best for a 3-kilometer run is around 30 minutes. I believe that’s below average as most friends do the same distance for less than 20 minutes. I know I can improve my time, but I guess the motivation isn’t really there. Because when I run on the treadmill, at that pace which […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: On Treadmills, Thailand and That Thing Called TadhanaAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more…
  • Last Call for Blog Academy Philippines: Learn How To Make Money Online

    Fitz
    23 Mar 2015 | 1:57 pm
    One of the things that kept me busy in the past weeks was preparing the 4-week course of Blog Academy Philippines. Me and my partner, Jon Orana, pre-launched this program early this month and has provided free blog training videos to all registrants. We are starting the live training program after Holy Week and if […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Last Call for Blog Academy Philippines: Learn How To Make Money OnlineAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG…
  • See You at the Financial Fitness Forum on Saturday

    Fitz
    22 Mar 2015 | 4:02 pm
    The Financial Fitness Forum is a one-day personal finance event organized by RFP® Philippines and this year, it’s happening this Saturday, March 28, at the SMX Convention Center in SM Aura Premier, Taguig City. There will be a total of sixteen Registered Financial Planners who will be speaking and sharing their insights on personal finance, […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: See You at the Financial Fitness Forum on SaturdayAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies…
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    Cash Flow Planning for Life

  • Year-End Tax Tips – Have You Considered These?

    Mark
    12 Mar 2015 | 11:30 am
    Are you a business owner counting down the days to the tax deadline? Are you looking for some business tax tips on deductions that you may have missed? Following up on business expenses that can generate a tax deduction can be time-consuming, especially if you are not familiar with them. Trying to figure out which ones you qualify for may be difficult. Having a guideline to follow can help. Here’s a guide on some of the tax tips you may want to consider: 1. Charitable Deductions ✓    You can’t deduct the value of your time or effort spent doing charitable work, but you CAN DEDUCT…
  • Forensic Accounting Grows as a Diverse New Tool

    Mark
    5 Feb 2015 | 8:55 am
    Do you know the value of Forensic Accounting? Are you in need of a Forensic Accountant? Are you familiar with a Cr.FA designation? Today, there is more awareness and less tolerance of fraudulent activity, creating a greater need for Forensic Accountants. Do you have financial data that needs to be collected, prepared, analyzed, and reported for the purpose of shedding light on discrepancies, possibly in court? Or are you taking the time to educate yourself on the benefits of Forensic Accounting? Forensic accounting specializes in a number of areas. Some of them are:    Insurance claims…
  • Are You An Independent Contractor That Knows Your Options?

    Mark
    9 Jan 2015 | 11:45 am
    Do you know what taxes you need to pay? Are you familiar with what tax forms you need to file? Do you have a tax strategy? There are many potential pitfalls that independent contractors should be aware of. Receiving a 1099 for income paid to you means it is time for you to review your options as an independent contractor. The key is to understand what taxes you are responsible for and what tax forms you need to file. As an independent contractor, not being prepared at the year-end can be very stressful. This is especially true if you find out you owe a large amount of money for taxes that you…
  • Are You Ready to File Your Independent Contractor Tax Forms?

    Mark
    19 Dec 2014 | 10:00 am
    You probably think you are ready to file because you have received a 1099 for your services, held on to all your receipts, and have all your documents in order. This is the sixth installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. It seems like everything is falling into to place with your Independent Contractor status. Once you file your Independent Contractor Tax Forms, it will be smooth sailing! Wrong! Have you… … done all of your homework? First – did you determine your independent contractor status based on The…
  • Do You Know the Business Deductions You Qualify For as an Independent Contractor?

    Mark
    26 Nov 2014 | 12:00 pm
    Home office business deductions is another area that has changed recently. The Internal Revenue Service has provided a $5 per square foot (max $1,500) standard deduction for individuals that qualify. This is the fifth installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. The rules to qualify for a deduction have not changed and you should review your situation with a tax professional before taking any deduction as it relates to a home office. If you use your personal vehicle to travel to/from client(s) sites or run errands for business…
 
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    JoeTaxpayer

  • Still Hungry, Still Walking

    Joe
    30 Mar 2015 | 4:00 am
    A message from my friend, Stephanie – Hello JoeTaxpayer readers! I’m Stephanie, and I blog over at Graduated Learning.  For the past few years, Joe has been incredibly generous by donating to the Walk for Hunger, providing challenge funds toward my fundraising efforts.  It’s been great having that extra push to get family and friends to donate to this very worthy cause.  I’m excited that he’s offered up a challenge for my 4th year doing the Walk! So, here’s some quick information about the Walk for Hunger: The Walk for Hunger is an annual fundraising…
  • What’s happening to FSB?

    Joe
    13 Dec 2014 | 3:00 am
    A  post aimed at my friends across the pond – I don’t know if you’ve noticed, but there is currently a huge push on Financial Spread Betting (FSB). Just about everywhere you look, it seems, there is a bright and shiny offer to take the plunge and enjoy the thrills, spills and rewards of riding the market. Don’t tell me you haven’t noticed. Now, there is plenty to be said about FSB, but no-one seems to be saying anything very much about this all-too visible marketing trend. So let’s do just that; exactly what is going on with FSB right now? by kenteegardin Clearly the main…
  • TurboTax 2014 Marketing Mistake

    Joe
    18 Nov 2014 | 5:00 am
    Remember New Coke? Remember Qwikster? My Spidey senses tell me that Intuit’s TurboTax product is about to have its own moment of marketing mishap. Now. As a tax nerd, I don’t put my TurboTax on the shelf after I file my return. I open it regularly to plan my year. Since one of my goals is to avoid paying more tax than I have to, I use it to plan my stock sales, Roth conversion, if any, and forecast my tax bill well in advance of April 15th. It’s been a ritual of mine to buy the new tax year software the weekend it’s out, usually the weekend after Thanksgiving. This…
  • 2015 Tax Rates Announced

    Joe
    5 Nov 2014 | 3:00 am
    The 2015 tax rates have just been announced by my friends at the IRS. If you’ve been reading this blog for a while, you know how taxes work, more or less. The tables aren’t the actual tax you pay on gross income, but on taxable income which is gross less a number of items, including the personal exemption which rises to $4,000 in ’15 and the standard deduction for single $6,300 or joint $12,600. I’ll be referring back to this article over the next year whenever the tax table is part of the conversation. Check out the new rate table and start planning for 2015. Single…
  • The Next Chapter of My Life by JoeTaxpayer

    Joe
    3 Nov 2014 | 3:00 am
    This post has been in the works for some time, nearly two years. Talk about a bit of writer’s block! Attending FinCon14 (The Financial Bloggers Conference) gave me a chance to share my story, and hear so many people encourage me to write and share it with my readers as well. Two years ago, shortly after my 50th birthday, my wife and I were both let go in a company layoff. 30 years, working for the same company, had come to an end. We both had our eye on our number and we had already agreed that she could retire as soon as she was ready to. The numbers all pointed to me taking a bit of…
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    Simplified Saving

  • 15 Non-Candy Easter Basket Fillers

    Lisa Thompson
    30 Mar 2015 | 5:57 pm
    When my older girls were growing up, I filled their Easter baskets with all kinds of candy!  I threw in a few practical things like fuzzy socks and my favorite lip balm, but for the most part, their baskets were full of all things chocolate, sugar, and dye! When the twins came along, we found out that they can’t have dye, gluten or high fructose corn syrup without turning into purple minions.  So Easter baskets have had to change dramatically.  We now do mostly non candy items with a few things like YumEarth Sour Jellybeans, YumEarth Lollipops, and some chocolate. If you’re…
  • Gluten-Free Baked Chicken Nuggets

    Lisa Thompson
    30 Mar 2015 | 8:47 am
    Disclosure:  I received complimentary Zaycon chicken in order to create this recipe.  I have been ordering from Zaycon for 2+ years as they have the best chicken around.  I’m so excited to partner with them in this way. As always, all thoughts and opinions are my own! This past week was Zaycon chicken delivery in our area.  If you’ve never ordered from Zaycon, you’re missing out.  Zaycon provides fresh, high quality products, which come straight from their suppliers…cutting out the middle man which saves you a bunch of money.  The pick-up day happened to fall…
  • Retail Coupon Roundup {3/28/2015}

    Lisa Thompson
    28 Mar 2015 | 12:11 pm
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Carters – 15% Off Entire Purchase (exp: 4/1/2015) Express - $15 Off $30, $30 Off $100 or $40 Off $120 Purchase (exp: 4/1/2015) Kirklands - 15% Off Entire Purchase (exp: 3/29/2015) Kohls – $10 Off $30 Juniors Apparel (exp: 4/1/2015) Lifeway Christian – 30% Off 1 Regularly Priced Item (exp: 3/31/2015) Lord and Taylor – 15% Off Regular & Sale Price Items (exp: 3/31/2015) Osh Kosh BGosh – 15% Off Entire Purchase (exp: 4/1/2015) Party City…
  • Restaurant Coupon Roundup {3/28/2015}

    Lisa Thompson
    28 Mar 2015 | 12:08 pm
    We’re on spring break this week which means we’ll be eating out more than usual!  Eating out sure can get expensive, so I’m so thankful that there are so many coupons available to make it more affordable!  Below I’ve included the top printable restaurant coupons for this week! I’m really excited about the Sweet Tomatoes coupon as I love eating at Sweet Tomatoes and we don’t have one near us! Bertuccis – $10 Off $25 Carry Out Purchase (exp: 3/29/2015) Bob Evans – $4 Off $20 Purchase (exp: 3/31/2015) Buca Di Beppo – Dinner for Four for $40…
  • Retail Coupon Roundup {3/20/15}

    Lisa Thompson
    20 Mar 2015 | 11:06 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Aaron Brothers – 50% Off 1 Regularly Priced Item (exp: 3/28/2015) Aeropostale – 30% Off Entire Purchase (exp: 3/22/2015) Big 5 Sporting Goods - 20% Off Up to 2 Regular Priced Items + More (exp: 4/24/2015) Carters – 25% Off $40 Purchase (exp: 3/23/2015) Express – $15 Off $30, $30 Off $100 or $40 Off $120 Purchase (exp: 4/1/2015) Hancock Fabrics – 15% Off Entire Purchase (exp: 3/24/2015) Kohls - 20% Off Entire Purchase (exp: 3/22/2015) Lord…
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    Personal Dividends

  • Instant Savings with Groupon Coupons

    Miranda Marquit
    24 Mar 2015 | 5:00 am
    I’m not known for penny-pinching. However, in the last couple of years, I’ve seen the value in looking for ways to save money — as long as they don’t take up a lot of my time and energy. If I can go to a site and quickly see if I can save money on something, I’ve started doing so. Some of this effort has paid off recently. Last year, my son and I enjoyed a great San Diego-based spring break for more than “half off.” Last November, I saved more than $100 just by searching out a promo code before completing the purchase of our new Christmas tree. When I…
  • Have You Tried a Spending Diet?

    Miranda Marquit
    17 Mar 2015 | 5:00 am
    Since Christmas has passed, my husband and I have been on something of a spending diet. It hasn’t been a conscious decision; we’ve just been a little too busy to worry about buying things, and, besides, it seems a lot like overkill to go out and spend money after the most materialistic of holidays has just passed. Our spending plan hasn’t changed. We just haven’t found anything that we really care to spend money on. But I do know that a lot of people going on “spending diets” this time of year. The whole concept of a spending diet interests me, even though…
  • 3 Questions to Ask Yourself Before Starting a Home Business

    Tom Drake
    10 Mar 2015 | 5:00 am
    Many of us want to make money on our own terms. It’s tempting to start a home business with the hope of creating a little income diversity, or even of building it to the point that you can quit your day job altogether. However, running a home business isn’t for everyone. If you are just looking for a couple hundred extra bucks a month, you might not need to worry too much about how “serious” you are about it. On the other hand, if you want your home business to be a part-time or full-time income, things get a little more interesting. Before you embark on the journey…
  • 5 Ways to Invest in Real Estate

    Miranda Marquit
    3 Mar 2015 | 5:00 am
    Real estate isn’t really my thing, but I understand that many investors like the idea of including property in their portfolios. The good news is that there are a number of ways to invest in real estate, even if you don’t relish the idea of property management. If you think you’d like some portfolio exposure to real estate, here are 5 ways to invest in real estate: 1. Rentals One way to invest in real estate is to rent out your property. Some investors get started down this path by renting out their own homes. Perhaps you have to move, but you aren’t happy with the…
  • Why Don’t You Want to Talk About Money?

    Miranda Marquit
    24 Feb 2015 | 5:00 am
    Growing up, we didn’t talk much about money. My parents talked about the importance of saving and of the importance of tithing, but we didn’t really talk about my parents’ financial situation, or talk much about what other people made. Talking about money — sharing the numbers — was taboo. It’s still fairly taboo to talk about money. Not too long ago, a survey came out that indicated that most Americans would rather talk about their weight than talk about their finances, and parents aren’t overly keen to address financial topics with their children. A…
 
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    Much more than debt, IVA and personal finance from ClearDebt.

  • ClearDebt agrees mass variation to enable IVA closures

    Kristian Stock
    27 Mar 2015 | 10:13 am
    On Friday 20 March 2015 ClearDebt agreed a mass variation with creditors that finally enables completion certificates to be issued to those customers whose IVAs could not be closed because of the need to investigate PPI mis-selling claims for the benefit of the IVA estate. Commenting, ClearDebt CEO David Mond said, It’s a great relief […]
  • IVAs hit an all-time high

    Kristian Stock
    29 Jan 2015 | 8:33 am
    The Insolvency Statistics today show some 99,196 personal insolvencies were recorded in 2014, which is the first time the total has dropped below 100,000 since 2005. This represents a 1.8% fall in personal insolvencies compared to 2013, the lowest it has been for nine years. IVAs however have risen to record heights while bankruptcies and […]
  • Was 2014 a record year for IVAs?

    Andrew_F_Smith
    27 Jan 2015 | 7:07 am
    Back in October 2014 ClearDebt predicted it would be a record year for IVAs. There had already been more than 40,000 Individual Voluntary Arrangements in the first nine months of the year and here at ClearDebt we were pretty confident the total for the year would top 50,000. Well, on Thursday the Insolvency Service will issue […]
  • FCA authorisation: ClearDebt and Abacus’s position

    Kristian Stock
    14 Jan 2015 | 8:51 am
    ClearDebt Limited and Abacus (Financial Consultants) Limited are both wholly owned by ClearDebt Group plc. ClearDebt Limited is an IVA company which only provides advice in reasonable contemplation of an insolvency appointment and which manages and administrates IVAs for customers and creditors. As such ClearDebt benefits from the Insolvency Practitioner Exemption from the need for […]
  • ClearDebt Christmas opening hours

    Jo Gordon
    15 Dec 2014 | 3:23 am
    For anyone struggling financially, a mountain of festive financial pressure has begun. This is the time of the year where you may be thinking of how to proceed in 2015 and tackle your debt issue. Pressure from families and children may have made you dip into your savings or even try and get additional credit. […]
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    Money Watch

  • Gocompare.com Launches Enhanced Current Account Comparison Service

    Rob Lewis
    25 Mar 2015 | 11:00 pm
    Price comparison website Gocompare.com has launched its new current account comparison service, which makes use of midata to enable people to carry out more meaningful current account comparisons. For the first time customers of the big five banks – Barclays, HSBC, Lloyds, RBS and Santander – and Nationwide building society, will be able to use information from their statements to compare all personal bank accounts on the market to see which one is best for them. This innovation is expected to increase switching by empowering people to use the data that companies hold about them to their…
  • Donate To Comic Relief With Barclays Pingit

    Rob Lewis
    10 Mar 2015 | 3:42 pm
    If you’re a Barclays Pingit user, there’s a new way for you to donate to this year’s Comic Relief, as this can now be done through the app. To add a viral angle to this form of donation, you can also take a “Red Nose Selfie” through the app, and share your funny creations with your family and friends on social media, to let them know you’ve donated, and to encourage them to do the same. There’s also an option to add add an extra 25% to your donation through Gift Aid. To download the app, in which you can send and receive payments with just a mobile…
  • Infographic: Financial Services & Social Media

    Rob Lewis
    5 Mar 2015 | 3:10 pm
    Given the increased buzz surrounding social media and the transformative effect it can have on brand engagement, Datamonitor highlight what financial institutions stand to gain by making their services more sociable in this huge infographic.
  • Halifax Website Redesigned

    Rob Lewis
    5 Mar 2015 | 12:00 am
    Halifax have redesigned their website to give it a fresh new look, and made it “responsive”, so that it works across all types of device. The new site is “responsive”, which means its layout adapts how it looks depending on the type of device you’re using to browse it with. We’ve been working hard to improve your online experience, whether you’ve been banking with us for years or you’re here for the first time. We’ve come a long way and you’re now looking at our new website, all with you in mind. More and more of you are visiting us from your mobiles…
  • Financial Technology Competition Launched

    Rob Lewis
    4 Mar 2015 | 2:37 pm
    Financial technology startup companies are in with the chance of winning funding of £35,000 thanks to a new competition. Innovate UK is offering 5 businesses up to £35,000 each to encourage innovation around financial technologies across the themes of education, cyber security, transactions, personal finance management, compliance and regulation. Through their IC tomorrow programme, they are looking for proposals from companies with innovative digital ideas relevant to the financial sector. The companies will not only benefit from funding, but also from the opportunity to work with…
 
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    Yes, I Am Cheap

  • 6 Strategies For Saving Money On Your Mortgage

    Sandy Smith
    23 Mar 2015 | 6:00 am
    Now that I am the proud owner of a new mortgage of my rental property, I’ve been thinking about how quickly I can pay this loan off and reduce my mortgage costs. What I’ve realized is that paying off a large loan such as a mortgage can seem decades away, but if you apply a few strategies, not only can you pay your mortgage off faster, but you can save thousands of dollars in the process. I’m all about having this as simple as possible, so I looked for the easiest ways to get both of these tasks accomplished. Today I present you with six simple ways to reduce your mortgage…
  • I Opened 3 Credit Cards And My Credit Score Went Up

    Sandy Smith
    13 Mar 2015 | 10:33 am
    At the end of January while I was snowed in one day, I sat down and threw a few of the rules that many personal finance experts recommend right out the window.  I applied for three different credit cards in one sitting.  Egads, you say! Yes, three new credit cards.  I know that you want to ask what could possible have motivated me to do that and you’re probably concerned that I am developing bad habits that will plunge me back into debt.  Not at all.  What I’m doing is using my credit wisely. The three cards that I added each have 50,000 point rewards when spending…
  • IRS Early Filing Tax Refund Scam Growing Like Mad

    Sandy Smith
    23 Feb 2015 | 6:00 am
    There’s a relatively new scam in town that’s been picking up speed like a bullet train and you might already be a victim. This scam involves identity thieves using your information to file electronic returns with the IRS claiming refunds, some much higher than you would be entitled to, and pocketing the funds before you have had a chance to file your tax return.  The U.S. Government Accountability Office (GAO) states that there was a 62% increase in this crime from 2011 to 2012.  Haven’t heard about it? Get ready to be scared into action. Identity thieves used to be…
  • I’ve Been Hacked and My Identity Stolen. Now What?

    Sandy Smith
    20 Feb 2015 | 8:17 am
    Somewhere in the world, some hacker – who I hope is living a lonely existence – is pretty proud of himself.  Not to be sexist here because girls can code too, but I envision a twenty-something basement dweller with little to no social life except the persona he has created online and the constant reminders from his mom to take out the garbage.  Some moron, maybe government sponsored, with no conscience and what I hope is a face full of pimples sits in his mom’s basement and bangs out code designed to steal people’s identity and peace of mind. Earlier this month, Anthem Blue…
  • 10 Ways to Save Money on Life Insurance

    Sandy Smith
    16 Feb 2015 | 8:30 am
    There are few concerns that are more stressful than wondering what would happen to your family in the event of you passing.  If some tragedy were to come against you, how would your family survive?  Do they already have the means necessary to maintain their current standard of living?  Or do they face the risk of losing their home?  Fortunately, there is a way to meet your family’s needs even after your demise.  A life insurance plan will ensure that your family members receive the help they need at a time when they need it most.  Of course, saving money on your life insurance plan is…
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    Money Reasons

  • Can You Really Negotiate Rent Prices

    Money Reasons
    18 Mar 2015 | 4:17 pm
    You might be wondering can you really negotiate rent pricesA landlord has the right to increase your rental rate once your lease expires. At that point, you will, of course, have had a heads up of this happening. So should you sit around and just accept it or move out? No, you should try to negotiate your rent. Negotiation can be done based on monetary value as well as time saving factors. The worse that can happen is your landlord says no.Review Your Good Tenancy with ThemTalk to your landlord about how much you appreciate your living situation. You are a good tenant, and it is worth their…
  • Should You Downsize Your Home To Rightsize Your Life?

    Money Reasons
    27 Jan 2015 | 9:19 pm
    Should You Downsize Your Home To Rightsize Your Life?Sometimes downsizing your home may just be the best way of rightsizing your life. If you’re wondering how you could possibly manage to live in a smaller home, let’s put things in perspective….In the 21st century, most American families live in much larger homes than those enjoyed by previous generations with far larger families. In the 1950s, average houses were about 1,000 square feet. In the 1970s, average houses were about 1,400 square feet. Then, by 2004, average houses were as much as 2,330 square feet. And now, they are…
  • Five Reasons Moving Just Might be the Change You Need

    Money Reasons
    27 Jan 2015 | 9:15 pm
    Today I’m going to list five reasons moving just might be the change you need!Imagine living in a world where nothing ever changed…everything remained just as it was the day before. While this might be interesting for a little while, over time, it would become very boring to say the least. Change is good and a very necessary part of life. As you navigate through life’s peaks and valleys, embracing the changes as they happen is often what makes life worth living. Moving to a new place is often a very scary notion when you first think about it, but it can really end up being just the…
  • 2014 Year End Financial Results

    Money Reasons
    15 Jan 2015 | 7:55 pm
    So how did I do this past year, especially with respect to net worth and my “Secret Wealth Goal“?First the good news!  Near the end of 2014, my net worth finally crossed over into the PAW (Prodigious Accumulator of Wealth) status that is mentioned in the book the “The Millionaire Next Door“.  This is the first time this has happened to me, and I have to admit I was pretty ecstatic!Second, the even better news!  For 2014, my “Net Worth to Accumulated Salary” Ratio (again from my Secret Wealth Goal mentioned above) is now 51.43% (vs 37.40% for the end of year…
  • Cheap Workout Report 13 – The Sickness

    Money Reasons
    15 Jan 2015 | 6:57 pm
    Maybe it’s because this would be my 13th report (pretty spooky huh…), but sadly, I’ve been derailed in my workout efforts!Everything was humming along nicely, then BAM we had Christmas at my house this year and someone was sick, and so I got sick as a side result.  It was bad, in fact it was so bad that the week I took off from work I ended up spending mostly in bed sick!it’s started out as a cough, but by the third day I was pretty bad.  I was coughing up badness for two weeks, then it stopped.  The coughing subsided and I thought I had beat it, I was wrong. …
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    Financial Woman

  • The Forbes 400 Didn’t Get There By Investing

    Camille Gaines
    25 Mar 2015 | 11:34 am
    Who do you know that’s rich? Seriously, who comes to mind when you think of a wealthy person? Richard Branson? Oprah Winfrey? Bill Gates? Warren Buffett? The Walton heirs? Mark Zuckerberg? Steve Jobs family? Take a minute to scroll through the Forbes 400 list that you can see by clicking here. Is there anyone on the list that got rich by earning 10% on their investment account? Sure, the often quoted Warren Buffet is known for being a famous investor. He’s right near the very top of the wealthiest Americans. But, in reality, Warren Buffett got wealthy by taking ownership in undervalued or…
  • 5 Financial Tips for Female Investors

    Camille Gaines
    18 Mar 2015 | 8:14 am
    Did you know that the median age that a woman loses her husband is 59? I didn’t realize this fact until I ran across this excellent article from financial powerhouse Blackrock via Investopedia, which ties in love and money between couples while referencing John Gray’s Men are From Mars, Women Are From Venus. This paradigm makes sense, because money is frequently a tender spot among couples, since our money attitudes and habits come from our parents. More often than not, couples are attracted initially to the different approach that their spouse brings to the relationship. Later in the…
  • How To Work with a Financial Adviser and Keep Your Money Power

    Camille Gaines
    4 Mar 2015 | 9:08 am
    Do you work with a financial adviser? Hiring a financial adviser can make you feel like “Ok; whew! That’s done! Now I can stop thinking or worrying about my money.” Let me ask you this: Would you hire someone to remodel your home, and then never go to see how it looks during the remodeling process? Or would you ever hire anyone, especially someone who cost a lot of money, and never monitor their results? It’s not likely! At the far end of the financial service relationship, there’s micromanaging, and this rarely happens when a woman works with a financial adviser. At the other…
  • Mother and Daughter Entrepreneurs

    Camille Gaines
    27 Feb 2015 | 8:14 am
    Mothers, grandmothers,aunts and all women: Read this article from TimesFreePress and be inspired! Here’s my favorite part about this mother and daughter entrepreneur success story: “At that time (2007), I had read an article in the Wall Street Journal that said only 12 CEOs leading the Fortune 500 were women. I started to think about my daughters,” says Renee. “If such a small percentage of women were being entrusted with leading Fortune 500 companies, we were misrepresented. Would my daughters be sitting in front of someone being evaluated for a promotion one day?
  • Money Lessons for Women from Long Ago

    Camille Gaines
    25 Feb 2015 | 7:46 am
    The Financial Woman article of the week is about money lessons for women learned from Mary Todd Lincoln. It addresses preparing women for being on their own financially as a result of divorce or death of a spouse. Studies have shown that over 90% of women will be in sole charge of their money at some time in life, yet so often women are caught off guard when they lose a spouse. Once again, we read that many women fire their financial advisers soon after their husband’s death since they have not been involved in the relationship with their adviser….but why haven’t they been?
 
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    Credit Card Blog | UniBul

  • Social Media Have Become The New Frontier For Credit Card Marketing

    UniBul
    13 Mar 2015 | 8:39 pm
    The guys over at CardHub.com have looked at a lot of data to see how the latest credit card trends are affecting millennials and have come up with some interesting findings. Noting that the days that credit card companies used tables on campuses as mobile college student recruiting stations are gone with the passage of […] Read more on the same topic: On Holiday Shopping, Free Shipping and E-Commerce Marketing A beautiful infographic illustrates the way e-tailers approached this holiday shopping season, their top marketing channels and most successful promotional tactics.... Social Data…
  • High Risk Payment Gateway

    UniBul
    11 Mar 2015 | 8:39 pm
    As a company specializing in international card-not-present credit card processing, at UniBul we understand the importance of a solid, reliable high risk payment gateway. Every time a customer enters the checkout area of your site, everything should work flawlessly, as there is absolutely no room for error. Well, this is why we have designed our […] Read more on the same topic: How to Find the Right Merchant Account for Your High-Volume, High-Risk Business There are processors, which specialize in serving the high-risk, high-volume end of the merchant spectrum and they are always…
  • Should You Use Verified by Visa or Not? Here Is What You Need to Know About It.

    UniBul
    25 Jul 2014 | 3:00 am
    If you have a problem with fraud-related chargebacks, you would benefit from Verified by Visa; otherwise a traditional merchant account will work just fine. Read more on the same topic: What Is American Express SafeKey and Should You Be Using It? Built on the 3-D Secure protocol, American Express SafeKey helps e-commerce merchants to authenticate their customers during online transactions.... Should You Use a 3-D Secure Merchant Account? If you have a big problem with fraud-related chargebacks, you would benefit from a 3-D solution. For everyone else, a traditional merchant account would…
  • Yet Another Infographic Promises A Bitcoin-Dominated World… Do The Cryptocurrency Guys Ever Learn? Anything?

    UniBul
    21 Jul 2014 | 3:00 am
    The cryptocurrency crowd refuses to learn from reality, history, economics or anything that is not related to the purely algorithmic aspects of cryptomoney. Read more on the same topic: This Infographic Is Strikingly Beautiful. What It Tells Us Is Shocking. Credit card fraud losses are much higher in France than in the US, even though the French were one of the earliest adopters of the safer smart-card technology.... On Market Irrationality, Solvency, History and Bitcoin A beautiful infographic illustrates Bitcoin's history - a digital currency failing as a medium of exchange, but thriving on…
  • The Basics About MasterCard’s Excessive Chargeback Program That You Absolutely HAVE To Know

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

  • Chase Freedom: The Credit Card Triple Crown

    Jason Steele
    30 Mar 2015 | 4:00 am
    There are three great things that a credit card can offer new applicants – a competitive rewards program, a strong promotional financing offer, and a generous sign-up bonus. If there things are the Triple Crown of credit cards, then the is a winner. Freedom’s rewards program Cardholders earn 1% cash back rewards on all purchases, and an additional […]
  • Rewards Pro – Redeeming Points For Others To Travel

    Jason Steele
    27 Mar 2015 | 4:00 am
    When people earn credit card rewards, they generally tend to redeem them for their own use. But what many travelers don’t realize is that they can redeem their points and miles to enable someone else to travel instead. For example, a family that may want to visit a loved one out of town may not […]
  • Discover it Offers Leading Benefits

    Jason Steele
    25 Mar 2015 | 4:00 am
    The card offers both interest free promotional financing and competitive rewards, with no annual fee. Cardholders have their choice of 14 months of 0% APR financing on both new purchases and balance transfers, or 18 months for balance transfers and six months for new purchases. There is a 3% balance transfer fee with both offers, […]
  • 8 Things To Look For In A Credit Card

    Jason Steele
    23 Mar 2015 | 4:00 am
    How should applicants choose a credit card? The thing to do is to consider all of the important factors. Here are eight factors that applicants should be aware of: 1. Annual fee. This is the fee that cardholders are required to pay each year, although some cards waive cardholder’s first annual fee. 2. Rewards. Credit cards can offer rewards in […]
  • Considering The Hilton HHonors Visa Signature Card From Citi

    Jason Steele
    20 Mar 2015 | 4:00 am
    Hilton is one of the largest hotel chains in the world, and it offers no fewer than four different credit cards in the United States though its banking partners Citi and American Express.  The is a great choice for those who are looking for a hotel rewards card. Benefits of the This card offers new applicants 40,000 […]
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    Credit.com

  • How to Get a Car Loan After Bankruptcy

    Gerri Detweiler
    29 Mar 2015 | 9:01 pm
    Buying a car can feel stressful enough, but when you have been through bankruptcy it may feel downright terrifying. No matter what the circumstances that led to your filing — large medical bills or a job loss, for example — you probably feel embarrassed and afraid that no one’s going to want to give you the time of day, much less a decent loan. “The most important thing to know is that you do have options,” says Phil Reed, senior consumer advice editor for the car buying platform Edmunds.com. He says lenders are interested in working with borrowers who are recovering from…
  • What Happens to a Debt Collector That Gets Shut Down

    Bob Sullivan
    29 Mar 2015 | 9:01 pm
    Travell Thomas is desperately trying to save his business, or at least part of it. His debt collection firm, Four Star Resolution, was raided during the morning on Feb. 11, as a result of a lawsuit filed by the Federal Trade Commission. Employees were told to leave immediately. A temporary restraining order now prevents Thomas — and any company employee — from entering the premises, seeing any company files or accessing any financial records. Employees can’t be paid and consumers can’t make payments, Thomas says. The lawsuit has thrown the firm, among the largest in…
  • 22 States Where You Could Lose Your License for Not Paying Your Student Loans

    Christine DiGangi
    29 Mar 2015 | 9:01 pm
    Failing to repay student loans has all sorts of terrible consequences, but in some states, more than just your financial well-being is at risk — student loan default could cost you your professional certification or even your driver’s license. Two state legislatures (Iowa and Montana) are considering bills that would repeal laws that allow states to suspend the driver’s licenses of student loan defaulters, Bloomberg reported in a March 25 piece on the topic. Even if those repeals succeed, several other states have such laws in place. Some states suspend licenses needed to…
  • Can I Get a Seller to Pay My Closing Costs?

    Chris Birk
    29 Mar 2015 | 9:01 pm
    Closing costs are one of the most confusing and misunderstood parts of the homebuying journey. About a third of prospective buyers feel “not very” or “not at all” aware of them, according to a recent survey from real estate data and technology firm ClosingCorp. That can be a problem for buyers who jump into the homebuying process without budgeting for these costs and fees, which can total 2% to 5% of the purchase price or more. The good news is you may not have to spend a dime. You can ask the home’s seller to cover some or all of your closing costs. Every transaction is different,…
  • Alleged Identity Theft Victim Stranded in Mexico

    Christine DiGangi
    29 Mar 2015 | 9:01 pm
    An American who travels frequently to Mexico has been stuck there since the beginning of March because someone reportedly stole his identity, the man’s lawyer said. Carlos Montoya lives in Los Angeles but went to Mexico for epilepsy treatment, his lawyer said in a March 23 news conference. When border agents took Montoya’s fingerprints as he attempted to cross the border a few weeks ago, a different man’s photo was associated with Montoya’s name, reportedly leading the agents to arrest Montoya. Montoya’s lawyer, Luis Carrillo, said agents accused his client of…
 
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    Credit Repair - How to Improve Your Credit Score » Blog

  • Do Student Loans Affect Your Credit Score?

    Chane
    15 Mar 2015 | 6:56 am
    Why are student loans so important to your credit score? Student loans can be a credit killer, especially for young people. Student loans have a major impact on the consumer credit scores of young people for a number of reasons. These reasons are: 1. Student loans are typically given to individuals with a brief credit history. These loans are given to college students and are typically repaid by people who have recently finished college, many of whom only have a couple credit cards and their student loans listed on their credit history. If you have a shorter credit history, then defaulting on…
  • Charge-offs – the Facts You Need to Know

    Chane
    23 Feb 2015 | 4:51 am
    Understanding how charge-offs work is important if you want to repair your credit and get back on your feet. Here are the facts about charge-offs that will help you make the right decision when it comes to improving your credit. Charge-offs Still Leave You on the Hook Because calls and letters from the original creditor often stop when charge-offs occur, many people think that they are in the clear once the collection activity stops. The truth is that creditors are required to charge-off your debts within 180 days of nonpayment. It’s an accounting practice that allows them to report the…
  • Different Types of Bankruptcy

    Cameron Smithson
    1 Feb 2015 | 12:10 pm
    Going through bankruptcy is confusing enough; the last thing you want to realize is that there are different types. There are actually five types of bankruptcy; but you will probably only have to worry about a couple of them. So not only are you going to have to deal with all the paperwork, etc. that goes along with bankruptcy, but you are going to have to decide which ones to file for. Figuring out the differences between them all can be a daunting task, so we have put together a brief summary of what each one is and what a bankruptcy novice might need to know about them. The Five Types of…
  • How Can I Get Free Credit Repair Help?

    Ereika
    10 May 2012 | 8:15 pm
    Often, when a person has credit problems, their finances are also in need of assistance. Free credit repair is not a new concept — there are many do-it-yourself websites out there that show individuals how to repair their credit. However, the process can seem overwhelming and confusing to an individual that has never had to deal with their credit directly. If you are wondering about free credit repair help, this post will give you the information you need to get started on the right track. Free Credit Repair Help — The DIY Method If you want to repair your credit on your own, you…
  • BBB Releases Report on Credit Repair Scams

    Ereika
    6 May 2012 | 7:57 pm
    The Better Business Bureau is one of the most well-known organizations for protecting consumers’ rights and allowing them to get satisfaction from the companies they do business with. Recently, the BBB turned their attention to the credit repair industry and released a report on credit repair scams. What it boils down to is a clear illustration of how important it is to make sure you’re not being lured into a scam when you are just trying to get your credit repaired. According to the study, the average paid by individual consumers to (often unsuccessfully) repair their credit is…
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    The Allstate Blog

  • 10 Years of Quirky Car Features

    Brendan
    26 Mar 2015 | 3:15 am
    Unique car features and weird car accessories have come and gone throughout history. It seems manufacturers have always looked for new ways to stand out from competitors, and in some cases, it has resulted in some quirky ideas. Below is a list of some of the most original car features from the last 10 years. Get an Insurance QuoteCurious what Allstate can do for you? Get a quote here. Get a Quote Perfume Dispenser Ever wanted a built-in perfume dispenser so you don’t ever have to hang those little scented trees on the rearview mirror? The 2011 Fiat 500 was introduced with a perfume…
  • Maintenance Tips for Garage Doors and Openers

    Cristel Mohrman
    25 Mar 2015 | 6:00 am
    Your garage door is the biggest moving part in your home, according to Bob Vila. To help ensure it provides you easy, safe and reliable access, it is important to keep the door and its opener working properly. Basic, routine maintenance can help extend the life of your garage door and opener. The International Door Association (IDA) recommends checking and testing your garage door system monthly. This includes looking at your garage door opener, springs, rollers, cables and pulleys for signs of wear. The IDA says you should also make sure the door is lubricated and balanced, and that…
  • Spring Cleaning: Electronics Edition

    Cristel Mohrman
    19 Mar 2015 | 6:00 am
    As you organize and declutter your home this spring, you may come across old or unused electronics. Before you toss those unwanted gadgets, though, you may want to consider recycling them. Recycling or finding new homes for old electronics isn’t just an environmentally friendly option; throwing them in the trash may be illegal in your state, says Consumer Reports. So what should you do with old electronics? Here are a few options. Recycle Old Electronics Eectronics are composed of metals, plastics and glass, and the U.S. Environmental Protection Agency says these materials are mined…
  • Increase Your Awareness to Help Prevent Vehicle Theft [INFOGRAPHIC]

    Brendan
    18 Mar 2015 | 3:00 am
    Even if you don’t realize it, if you regularly drive a car, you’re often moved to protect your vehicle against theft. The simple, often mindless act of pushing that button on your key fob after you park your car locks it and helps deter thieves. Despite that, hundreds of thousand of vehicles are stolen each year, and more than 1.5 million vehicles have items stolen from them. Check out the theft statistics and consider employing the safety tips in the infographic below to help educate yourself about the realities of vehicle theft. Auto Insurance Basics & MoreLearn more about…
  • While You’re Away: Pet Care Options for Dogs and Cats

    Nicole Markle
    17 Mar 2015 | 11:33 am
    Many people see spring break as a great opportunity to take a family vacation. But, what about your four-legged family members? Pets can’t always tag along, so you may have to plan for their care while you’re away. Here are several pet care options to consider before deciding which makes the most sense for your dog or cat. Boarding Kennels A popular option for pet care services is boarding. According to the American Boarding Kennels Association (ABKA), kennels usually provide a private space for sleeping and an exercise area for playing. Depending on the layout, says the ABKA,…
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    Centsible Life

  • Car Maintenance: Know When To Replace Your Tires {sponsored}

    Kelly
    30 Mar 2015 | 9:58 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Spring Break Menu Plan

    Kelly
    30 Mar 2015 | 8:25 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • 15 Essential Baby Items with Chicco {sponsored}

    Kelly
    27 Mar 2015 | 10:43 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • How and Why You Should Use Dry Shampoo

    Julie Meyers Pron
    26 Mar 2015 | 8:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Better Baking & Easier Dieting With Fraser Scale {sponsored}

    Kelly
    24 Mar 2015 | 11:34 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
 
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    The Daily Reckoning

  • The Final Battleground — Saudi Arabia!

    Byron King
    30 Mar 2015 | 12:47 pm
    This post The Final Battleground — Saudi Arabia! appeared first on Daily Reckoning. Traders bid up oil prices last week, based on reports of major escalation of hostilities in Yemen, just south of Saudi Arabia. One way or another, it’s the “Oil Wars” scenario at work, which I’ve discussed here in the Daily Reckoning for many years. Indeed, things are hot and getting hotter in Yemen. Now that Saudi Arabia has engaged in the fight — dropping bombs and reportedly sending troops across the border — we may see an oil price recovery much sooner than many…
  • Kids and Cavities Still Go Together

    Stephen Petranek
    30 Mar 2015 | 11:00 am
    This post Kids and Cavities Still Go Together appeared first on Daily Reckoning. The Centers for Disease Control and Prevention (CDC) published a remarkable study based on the most recent evidence available of tooth decay in children. Despite tooth sealants, better toothpastes, electric toothbrushes and an increased number of people with dental insurance, cavities are remarkably prevalent in the teeth of U.S. children. About a fourth of all children ages 2–5 have had at least one cavity. Then the numbers rise sharply with age — nearly 60% of kids 6–8 had at least one cavity in a baby…
  • Here’s Why the Chinese Year of the Bull Will Be Great for You

    Greg Guenthner
    30 Mar 2015 | 8:43 am
    This post Here’s Why the Chinese Year of the Bull Will Be Great for You appeared first on Daily Reckoning. See this? It’s the famous Wall Street Bull in lower Manhattan, right? Wrong. This picture’s from Shanghai. The capitalistic communists…or communistic capitalists (whatever the hell they are) think Shanghai’s the next major financial capital. So they made their own damn bull. And as you’re about to see, it’s in the perfect place… That’s because the Chinese stock market is on fire right now. And if you’re smart you’ll jump on this bull today for some blistering…
  • Beware: Fracking Is Where Money Goes to Die

    Wolf Richter
    27 Mar 2015 | 1:34 pm
    This post Beware: Fracking Is Where Money Goes to Die appeared first on Daily Reckoning. The fracking boom has been cash-flow negative for oil and gas drillers from the very beginning. The steep decline rates of fracked wells force producers to drill more wells just to keep production and revenues flat, even at high oil prices. They fund this drilling with debt. To show revenue growth, drillers have to get on an ever faster-moving treadmill of more production and more debt. To support that growing debt, they have to produce more and take on even more debt. They can never get off that…
  • Biking the Tube

    Stephen Petranek
    27 Mar 2015 | 11:00 am
    This post Biking the Tube appeared first on Daily Reckoning. Every city in the world seems to be jealous of New York’s marvelous High Line, an ancient abandoned elevated rail line that has been converted into a park. New Yorkers love it, visitors love it and by making walking extraordinarily pleasant, it dramatically reduces the carbon footprint in the city. Now cities everywhere are looking at their abandoned transportation lines to see how they can be reused. In London, a new award-winning proposal from design firm Gensler seems like a remarkable solution to the fact that the city is…
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    Canadian Finance Blog

  • The Best Cash Back Credit Cards of 2015

    Tom Drake
    30 Mar 2015 | 2:00 am
    Who doesn’t like free cash? If you are looking for a way to get a little extra back at the end of each month, a good cash back card is right for you. Most cash back cards offer you a percentage of your purchases as a reward. Cash back credit cards can help you make the most of your every day purchases. This year, the biggest change is that the TrueEarnings Card from American Express has been discontinued. In its place, I’ve included two other options that you’ll find further down the page. Look for a cash back card that is likely to provide you with maximum rewards in the…
  • 5 Tools That Help My Small Business

    Tom Drake
    23 Mar 2015 | 6:00 am
    When you’re running a small business, you need all the help you can get. The good news is that there are plenty of tools available to help you on your way to success. As I run my small business, here the five things that help me the most: 1. Proper Office Setup If you want to be able to focus on your small business, and the work you do, a proper office setup is essential. Of course, the proper setup for one business might not be the proper setup for another business. Consider what helps you focus your thoughts on your business. Create your space around your business, and what you…
  • Is the Costco Executive Membership Worth It?

    Tom Drake
    16 Mar 2015 | 2:00 am
    One of the best ways to save money, especially if you buy in bulk, is to join a warehouse club. These clubs charge you an annual membership fee, and in return you get access to special deals on different products — and even some services. One of the most popular wholesale stores is Costco. Most people agree that a Costco membership is worth the $55 a year. That amount can be saved in one trip with some of the non-grocery items sold at Costco. I’ve found products like KitchenAid mixers and Ralph Lauren dress shirts, both at half the price found in other stores. In some cases, just…
  • The Best Travel Rewards Credit Cards of 2015

    Tom Drake
    9 Mar 2015 | 2:00 am
    If you travel a great deal, it makes sense to get the most out of your experiences. One way to do that is with the help of travel rewards credit cards. These are cards that reward you for booking hotels and scheduling airline flights. You can earn points to redeem for more travel down the road. With Capital One recently discontinuing their original Aspire Travel World MasterCard (my previous top pick), I thought we should have a look at the top cards for 2015. The best travel credit card is the one that works with your preferences and habits. Look for a card that will help you earn free stays…
  • Can Debtors Anonymous Help You?

    Tom Drake
    2 Mar 2015 | 2:00 am
    More and more, the compulsion to spend money is being recognized as an issue that needs to be addressed in some consumers. We often think of addiction as something that occurs only in those who abuse substances like drugs or alcohol. In some cases, we recognize that some behaviors, like gambling, can be compulsive. But we often don’t think about the reality that shopping, and paying for our purchases with debt, can be habit forming. The reality is that, like many other behaviors, spending money can provide a feeling of reward in the brain. These reward centers can lead us to continue…
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    The Dividend Guy Blog

  • Introducing Mike’s BUY List

    DivGuy
    30 Mar 2015 | 2:00 am
    After reading our 6 Days to Dividend Growth Investing Series, I thought of giving you a great starting point. I’ve decided to create my own “buy list”. Before we start with our buy list, first I wanted to share a few thoughts on how the list was created. When we built our DSR portfolios back in 2013, it was a good time to buy most companies in our portfolios. You can see by our strong results that we did a good job picking the right stocks at the right time. On the other hand, the market is up remarkably from 2013 to early 2015. Now that the easy money is gone, it doesn’t mean that…
  • Dividend Reads for the Weekend

    DivGuy
    27 Mar 2015 | 2:00 am
    Wow! What a week! (again!). This week I officially bought The Dividend Monk (you can read the full story here). I started to work on this acquisition in January, I’m very happy the deal is closed can I can move forward. I have set monthly income goals for my websites in order to be able to leave next year around America. After three months, my results are in line with my projections. I hope this purchase will increase my passive income and confirm that I will be financially free in 2016. In the meantime, I’m still working 2 evenings per week + 1 full day on my blogs (this is why I can do…
  • Day #6 Portfolio Management Tips

    DivGuy
    26 Mar 2015 | 2:06 am
    We have already arrived at Day #6 of our 6 Days to Dividend Growth Investing Series. For the final day, I would like to suggest a few tips for when you will have more than a few stocks to manage. These are among the best tricks I’ve learned over my 10 years + in the investing world.   #1 Don’t fall for high yield stocks – Go for strong dividend growth High dividend yield stocks are usually paying great distributions for a reason; because the market fears they will stop. At best, the company will continue paying its dividend but you won’t see any growth from neither the payout nor…
  • Day #5 Tools of the Trades – Dividend Investing Resources

    DivGuy
    23 Mar 2015 | 2:24 am
    Today’s article is part 5 of my 6 Days to Dividend Growth Investing series. I have concentrated all investing websites on this page. I have done this in the past, but this is the most up-to-date list. I read/use each investing resource listed below. Please make sure to add yours in the comment section!   Top 10 Dividend Blogs I love reading investing blogs because they feed me on a daily basis with high quality information on stocks, the market or even about a great way of living. I’m lucky enough to have found like-minded individuals who share my passion for investing. Here is my…
  • Dividend Reads for the weekend

    DivGuy
    20 Mar 2015 | 6:52 am
    Wow… that was a BAD week… or should I say a bad two weeks! I came back from vacation on March 2nd, fully energized with my brain ready to explode with plenty of ideas. Then, two days later, I found my two feet in two inches of water in my fully finished basement. Needless to say that I’ve spent more time in my basement than on my computer since then! But I’m finally back and this is behind me. After all, I just wrote a post about perseverance! In the good news department, my portfolio is still showing +10% after almost three month on the market beating by far both US and Canadian…
 
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    Gen Y Wealth

  • 5 Rules Millennials Must Follow to Grow their Wealth

    Matt
    30 Mar 2015 | 11:48 am
    Millennials are the group of people born in the early 80s up to late 90s. They’re the generation of massive student loan payments, living at home until their mid-20s (or later) and spending their day texting their friends. Though this may describe some millennials, it most certainly doesn’t describe them all. Millennials are also self-starting entrepreneurs, successful business owners and innovative thinkers. They’re educated, creative and extremely influential. If you’re a millennial hoping to grow your wealth, retire early or quit your 9-5 and start working for yourself, you won’t…
  • ChexSystems: Watchdog of the Banking World

    Matt
    20 Feb 2015 | 8:03 am
    Have you ever attempted to open a banking account, only to be turned down? Beyond the undoubted embarrassment that such a situation created, it may also have given you pause to reflect on just why you were being considered too “risky” to be given an account. You may well have wondered if it was due to you having made some poor decision that ended up being reflected on your overall credit record. And, if so, you were correct. It’s all there on your file, waiting to bite you when you least expect it! A bad credit score can cost you plenty of opportunities, from buying a house…
  • The Advantages of Online Banking

    RJ
    12 Jan 2015 | 10:14 am
    When it comes to banking in the 21st century, there are certainly some adjustments that need to be made. For Generation Y kids, it’s maybe a bit easier to adjust to the new world of online banking, online bill pay, online brokerage, online everything! For those who hail from previous generations, the adjustment may take some time. However, it’s definitely worth it to get familiar with the idea of handling the majority of your banking online. Online Banking Is Simply So Much More Convenient To begin with, let us assure you: Online banking is simply so much more convenient than the…
  • Blogging For Bucks: How To Do It the Right Way

    RJ
    5 Jan 2015 | 10:02 am
    If you’re interested in making money using the Internet as your arena, there are a thousand good ways to pursue this noble goal. One of the best is to purchase a domain and start a blog of your own. You can make use a blog for many functions, from venting your emotions to selling your own line of products. In fact, many blogs are multi-purpose, and can take in many different aspects of self expression and self promotion. Here is a list of the things that you need to do in order to order get your blog up and running. We’ll also throw in some advice on how you can ensure traffic to…
  • The Best Online Checking Account

    RJ
    29 Dec 2014 | 1:38 pm
    One of the best  and most effective ways to maximize the ease by which you conduct your banking activity is to locate and secure the services of a reputable online banking establishment. There are several very worthy candidates to choose from, but Charles Schwab offers the very best online banking service at the time of writing. There are several reasons for this. Why Is Online Checking Important? First of all, why is online checking such an important modern development? Who needs it? The answer is very simple: You do. Let’s face it, the entire world is moving online. This covers…
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    The SpendLessTV.com Money-Saving Blog

  • 7 Sensational Recipes to Celebrate Passover (That Won’t Cinch Your Wallet)

    SpendLessTV.com
    25 Mar 2015 | 9:00 am
    Like so many holiday celebrations, the Passover celebration is centered around the dining table. Stories of long ago are shared while tasting foods that symbolize the meaning of this holiday. This is a time to appreciate a delicious and creative meal together with family and friends. But a holiday feast for all does not have to be a budget stretch. Here are delicious, affordable spins on traditional recipes taken from all around the world that would make any Passover feast (or any feast at all) a memorable one. Moroccan Charoset Truffles - Recipe for a Passover traditional food, Charoset,…
  • Party on St. Patrick’s Without Blowing Your Pot of Gold

    SpendLessTV.com
    15 Mar 2015 | 6:14 am
    photo: “Rainbow Over Knocknara” Ireland You know spring is right around the corner when St. Patrick’s Day arrives. Green is springing up everywhere, and that alone is enough reason to celebrate! Here are seven videos with tips on meals, recipes, decorations, games, and crafts to bring some festive green and great luck to any St. Patrick’s Day party… with these budget-friendly ideas, you won’t need to tap into your pot of gold to enjoy a great time! St. Patrick’s Corned Beef & Cabbage – Irish Chef Bobby Flay shows how to cook an affordable enhanced…
  • 9 Lucky Links to Celebrate St. Patrick’s Day in Style and On Budget

    SpendLessTV.com
    14 Mar 2015 | 8:42 am
    4-Leaf Clovers found in Jamie’s yard in 2002. Looking for fun and festive to enjoy St. Patrick’s day? You’re in luck – we’ve found a pot of gold in the videos featured below; they’re full of tips to have you celebrating in style while keeping your pot of gold growing, so go ahead – go (and save) green! St. Patrick’s Inspired Eye Makeup - Tutorial for green green green green St. Pat’s party eyes. St. Patrick’s Day, Host a Party - Tips to make your budget bash a success from BillSavings.com St. Patrick’s Day Last Minute Party…
  • Winter Car and Driving Money Saving Tips

    SpendLessTV.com
    2 Mar 2015 | 4:37 am
    It’s winter, and if you haven’t done so already, it’s not too late to take the proper measures to be sure your vehicle is in good shape to get you safely where you want to go. Whether you do it yourself, or have an auto shop do it, the pointers in these videos will serve as a guide to steer clear of potential costly car maintenance and driving mistakes to keep you safer on the winter roads. Stuck in Snow? Don’t Rock Your Car - Rocking a car stuck in snow back & forth to free it could end up costing thousands in broken engine mounts, stripped wiring, &…
  • Roll Out the Red Carpet, Not Your Wallet, Oscar Party Ideas

    SpendLessTV.com
    14 Feb 2015 | 7:45 am
    Academy Awards night is a great opportunity to enjoy some Hollywood glitz, glamor and celebrity excitement right in your own home. Whether a full fashion formal sparkling event, or just snuggling on the sofa with a ballot and a sparkling drink, Oscar night can be enjoyed without breaking the bank or straining your budget.  The videos here give tips on hosting, easy recipes, quick cocktail ideas, games, and even swag bag favor ideas, to make your red carpet party at home fabulous. Oscar Party Worthy of Awards - Early Show contributor Katie Lee shows how to host an Oscar party with simple…
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    MoneyProblems.ca

  • Developing A Money Management System

    Sarah Milton
    25 Mar 2015 | 5:00 am
    When I look back on my own debt journey, I can see that one of the biggest obstacles always standing between me and financial stability was the fact that I didn’t want to budget. Even though I wanted to get organized and I knew I needed to do something to... Read more The post Developing A Money Management System appeared first on MoneyProblems.ca.
  • How To Balance A Special Diet and Your Budget

    Moneyproblems Answers
    18 Mar 2015 | 5:00 am
    Guest author Melanie Sandwith is a Credit Counsellor, Daycare Provider and Triathalete. She talks about managing her family budget while meeting the challenge of following a gluten free and allergy restricted diet. With the rising cost of food I have many clients that struggle with keeping their grocery bill under control.  When... Read more The post How To Balance A Special Diet and Your Budget appeared first on MoneyProblems.ca.
  • Good Money Management Means Knowing Needs vs. Wants

    Gail Vaz-Oxlade
    11 Mar 2015 | 5:00 am
    I meet people all the time who can’t tell the difference between a need and a want.  In our consumption-crazed world, virtually everything has become a need. And with the ease of a credit card swipe we can turn every need into a purchase. What are needs? Let’s clarify, shall... Read more The post Good Money Management Means Knowing Needs vs. Wants appeared first on MoneyProblems.ca.
  • 5 Steps To Retire Debt Free

    Moneyproblems Answers
    4 Mar 2015 | 4:00 am
    Recently one of our advisors, Doug Hoyes, was interviewed by newretirement.com about how debt can be a handicap for those approaching retirement. Roughly two-thirds of Canadians 55 and over carry debt in their pre-retirement years and only half of those will pay off that debt before the5 y retire. So... Read more The post 5 Steps To Retire Debt Free appeared first on MoneyProblems.ca.
  • 5 Times You Should Not Use Your Credit Card

    Moneyproblems Answers
    25 Feb 2015 | 4:00 am
    Credit cards are a convenience but there are times you should think about leaving them in your wallet rather than adding to your credit card bills. Before you charge it, potentially increasing your credit card debt, here are some situations when using your credit card to make a purchase is a... Read more The post 5 Times You Should Not Use Your Credit Card appeared first on MoneyProblems.ca.
 
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    JoeTaxpayer

  • Still Hungry, Still Walking

    Joe
    30 Mar 2015 | 4:00 am
    A message from my friend, Stephanie – Hello JoeTaxpayer readers! I’m Stephanie, and I blog over at Graduated Learning.  For the past few years, Joe has been incredibly generous by donating to the Walk for Hunger, providing challenge funds toward my fundraising efforts.  It’s been great having that extra push to get family and friends to donate to this very worthy cause.  I’m excited that he’s offered up a challenge for my 4th year doing the Walk! So, here’s some quick information about the Walk for Hunger: The Walk for Hunger is an annual fundraising…
  • What’s happening to FSB?

    Joe
    13 Dec 2014 | 3:00 am
    A  post aimed at my friends across the pond – I don’t know if you’ve noticed, but there is currently a huge push on Financial Spread Betting (FSB). Just about everywhere you look, it seems, there is a bright and shiny offer to take the plunge and enjoy the thrills, spills and rewards of riding the market. Don’t tell me you haven’t noticed. Now, there is plenty to be said about FSB, but no-one seems to be saying anything very much about this all-too visible marketing trend. So let’s do just that; exactly what is going on with FSB right now? by kenteegardin Clearly the main…
  • TurboTax 2014 Marketing Mistake

    Joe
    18 Nov 2014 | 5:00 am
    Remember New Coke? Remember Qwikster? My Spidey senses tell me that Intuit’s TurboTax product is about to have its own moment of marketing mishap. Now. As a tax nerd, I don’t put my TurboTax on the shelf after I file my return. I open it regularly to plan my year. Since one of my goals is to avoid paying more tax than I have to, I use it to plan my stock sales, Roth conversion, if any, and forecast my tax bill well in advance of April 15th. It’s been a ritual of mine to buy the new tax year software the weekend it’s out, usually the weekend after Thanksgiving. This…
  • 2015 Tax Rates Announced

    Joe
    5 Nov 2014 | 3:00 am
    The 2015 tax rates have just been announced by my friends at the IRS. If you’ve been reading this blog for a while, you know how taxes work, more or less. The tables aren’t the actual tax you pay on gross income, but on taxable income which is gross less a number of items, including the personal exemption which rises to $4,000 in ’15 and the standard deduction for single $6,300 or joint $12,600. I’ll be referring back to this article over the next year whenever the tax table is part of the conversation. Check out the new rate table and start planning for 2015. Single…
  • The Next Chapter of My Life by JoeTaxpayer

    Joe
    3 Nov 2014 | 3:00 am
    This post has been in the works for some time, nearly two years. Talk about a bit of writer’s block! Attending FinCon14 (The Financial Bloggers Conference) gave me a chance to share my story, and hear so many people encourage me to write and share it with my readers as well. Two years ago, shortly after my 50th birthday, my wife and I were both let go in a company layoff. 30 years, working for the same company, had come to an end. We both had our eye on our number and we had already agreed that she could retire as soon as she was ready to. The numbers all pointed to me taking a bit of…
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    Financial Samurai

  • How To Maximize An Umbrella Policy Like A Champ

    Financial Samurai
    30 Mar 2015 | 3:08 am
    If you have assets that amount to more than what your car insurance and home insurance coverage provides, then you should probably get an umbrella policy for protection. The amount of umbrella policy coverage you should have is an individual choice. If you want to be safe, get an umbrella policy equal to your estimated net worth.Read More...
  • How To Get Hired If You Are Overqualified Or Don’t Need The Money

    Financial Samurai
    27 Mar 2015 | 3:08 am
    Convincing your spouse to allow you to go on a trip with friends to Vegas is easy compared to convincing an employer to hire you if you’re overqualified, too old, or don’t need the money. Finding any type of work is like dating. The older you get, unfortunately, the harder it seems to find a match. ButRead More...
  • Clarifying The $250,000 / $500,000 Tax-Free Home Sale Profit Rule

    Financial Samurai
    25 Mar 2015 | 2:08 pm
    The Financial Samurai community rocks. There’s just so much collective knowledge from each of you that ensures the content published here (posts and comments) is as accurate and helpful as possible. As the conductor of the site, it’s my job to highlight as much good as possible. In the post, Buy Real Estate For Capital Appreciation,Read More...
  • Can Anyone Be An Accredited Investor? The Government Can’t Tell

    Financial Samurai
    24 Mar 2015 | 3:08 am
    One of the questions I asked in my accredited investor post is whether the current definition of accredited investor is fair or not. 61% of you voted that the Securities And Exchange Commission (SEC) should not dictate who can and cannot invest in private offerings. Only 31% of you said the definition is currently fair, while the otherRead More...
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    Personal Finance Blog

  • Amazon Home Services Marketplace

    Twila VanLeer
    30 Mar 2015 | 1:50 pm
    Amazon has launched its Home Services (formerly Amazon Local Services). If you are looking for voice lessons, yoga classes, furniture assemble, mounting wall televisions, setting up baby gates, house keeping or even assembling those products you buy at Ikea, now you can order them directly on Amazon. You can list your services on Amazon if you are a service provider or you can look for services close to you. Using geo based technology, Amazon matches your queries with your zip code. How will this impact your lifestyle? Hopefully it will make it much easier for you to get help with simple to…
  • How To Shrink Your Energy Bills

    Twila VanLeer
    23 Mar 2015 | 9:08 am
    Lower your utilities bills by getting a programmable thermostat.Winter may be on the downside this year, but it isn’t too late to trim your energy consumption and save money at the same time you are helping the environment. Tips to reduce your bills while trimming your carbon footprint include: Heating & Cooling Invest in a programmable thermostat. It can be set to reduce heat when you are not going to be home. No point in keeping things toasty when there’s no one around. It could save as much as $180 per year. Some of these thermostats can be set by mobile device in case the…
  • Avoid Financial Troubles

    Twila VanLeer
    13 Mar 2015 | 10:52 am
    Keeping your household out of financial hot water isn’t always easy and it takes the cooperation of an entire family. But it can be done and the best way is to keep on top of things and take steps to balance the picture before there is serious trouble. These tips will help you organize and then recognize warning signs that might prevent upsets: Create a realistic budget and then stick with it. A budget is not set in concrete and needs periodic analysis and tweaking to be certain it is still adequate. If there are changes to your income or new demands on the outgo, create a new budget to…
  • 307 Money Saving Tips

    Sherry Tingley
    12 Mar 2015 | 6:10 pm
    You’ve heard it all before, right? Money-saving tips can sometimes be plain boring. Maybe you’re all tipped out. But don’t be. Saving money is good. It is one of the elements of successful personal finance. Our editors have searched the web for the top ten articles on saving money and this is what they have found. Article 1 – 55 Painless Money Saving Tips Saving can be the key to achieving almost any financial goal, according to Rob Berger, a litigation attorney who founded DoughRoller.net. Comfortable retirement? Down payment on a house? A new car or stereo? You get there by…
  • How To Get A Good Credit Score

    Twila VanLeer
    10 Mar 2015 | 12:11 pm
    Want to be the kind of consumer the creditors want? The kind that they bend over backwards to accommodate? The sort that breezes through a loan process with nary a wrinkle? It can be done. At the crux of it all is your credit report. That’s the elusive data collected by credit reporting agencies that only surfaces when your finances are being discussed, usually with large ticket purchases in mind –things such as houses and cars. The reporting agencies use a system known as FICO to create an individual credit profile, an acronym derived from the name of the California company that…
 
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    Unbiased financial advice from fee-only financial planners

  • Are CEOs Talented or Just Lucky?

    Matthew J. Illian, CFP®, AIF®
    10 Mar 2015 | 3:07 pm
    For too long, the only voices accusing many of America’s corporate executives of excessive pay came from a small group of academics and activist investors. When the divorce of a billionaire oil executive went to court, an unlikely voice joined the chorus. The legal defense of Harold Hamm, chief executive of Continental Resources, hinged on the belief that a majority of his wealth was simply the result of happenstance and luck. The defendant wasn’t talented, they argued, he was simply part of an energy industry experiencing a rising tide of growth. If the courts agreed with…
  • Where to Keep Your Emergency Fund

    Jim Blankenship, CFP®, EA
    8 Mar 2015 | 6:00 am
    Ask any qualified financial planner and they’ll generally tell you to have at least 3 to 6 months of living expenses set aside in order to fund a “rainy day” in the future. This emergency fund is there to help you pay bills such as your mortgage, utilities, and groceries in the event you lose your job, become disabled, or to pay for an unexpected emergency (such as a car or home repair). Some folks may need greater than 6 months expenses if they lose a job that may be hard to find again or a single income family that …
  • How to Choose a Financial Planner

    Jim Blankenship, CFP®, EA
    5 Mar 2015 | 2:00 am
    Before you sign a contract or buy a product consider the following before choosing your financial planner. Make sure they’re a CFP®. At the very minimum, a CERTIFIED FINANCIAL PLANNER™ has the met the education, exam, ethics and experience requirements in order to be qualified to discuss your financial planning needs. Anyone can call themselves a financial planner, but not everyone is a CFP®. This should be the starting point of your search. Just because the planner is a CFP®, doesn’t mean you should automatically work with them. Make sure they’re a fiduciary. A fiduciary is…
  • Why Social Security Decisions Are So Tough

    Jim Blankenship, CFP®, EA
    4 Mar 2015 | 5:10 am
    If you’re facing the decision of when to file for your Social Security benefit, you’ve probably noticed just how confusing it can all be. There are so many decision-points in the system, it’s no wonder folks are confused.  Depending on your point of view and how you count the decision-points, each person facing this decision has thousands of possible combinations to consider as they decide when to pull the trigger and file for benefits. Recently I was going over a decision tree that I had built to describe the decision-making process for filing, and within this review I have counted…
  • Keeping Your Investing Resolve

    Roger Streit, CFP®
    3 Mar 2015 | 1:38 am
    Two months past New Year’s Eve and it’s quite likely your own “resolutions” are merely well-intentioned memories. It’s not easy to resist temptation and some might ask why, indeed, they should. Investors may have been tempted, for example, to eschew equities entirely after global stock prices crashed in 2008. However, for those who kept their resolve and their wits about them, they benefited from the past few years, which saw stock prices soaring, eventually rising even past their pre-crash highs. About this time last year, investors questioned why they should hold onto bonds.
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    Budgets Are Sexy

  • 4 Memories That Impacted My Finances the Most

    J. Money
    30 Mar 2015 | 2:02 am
    One of the beauties of running Rockstar Finance is that I get to see a ton of cool ways to talk about money that doesn’t sound like the same thing over and over again, even though it is ;) Unfortunately that also means I have to sift through hundreds of articles every day that DO actually sound the same (the point of Rockstar is to feature only the “gems” I come across), but it’s a small price to pay so my readers don’t have to – hah. Anyways, this post was inspired by Jon who coincidentally had one of my same financial memories growing up too. Though he…
  • How to Eat on Less Than $1.00/meal

    J. Money
    27 Mar 2015 | 2:04 am
    Welcome to part II of the Food Budget Battle! If you missed our last post, a reader of this site – Braden – called malarkey on our blogger friend, Dan Miller, that there’s no way in God’s name you can eat meals for under a dollar (175+ comments so far!). Being the gentlemanly guy that I am, of course, I had to allow Mr. Miller himself a chance to rebuttal and show once and for all if it’s indeed possible ;) So feast your eyes on how he and his wife feeds their family of 8 for $700/mo with tips (and scanned in receipts) to prove it! (Then be sure to check out his…
  • How in GOD’s NAME do you spend so little on food??

    J. Money
    25 Mar 2015 | 2:12 am
    I am DYING over here friends… Dying. Just received one of the feistiest emails ever on food budgeting and can’t stop laughing at this guy. He’s on a mission and needs our help to get to the bottom of it! ;) How do people eat on only $1.00 a meal?? What’s a fat man (his words) to do?? Review this at your leisure and then chime in below if you will… I’ll admit I’m pretty curious how people finagle such low food budgets as well – especially in a healthy way. What’s the secret, friends?? Mr J. Money. I have been a long time reader, or at least…
  • The 15 Minute Trick to Getting Stuff Done

    J. Money
    23 Mar 2015 | 2:08 am
    There’s a beautiful line in the movie We Bought A Zoo that goes like this: You know, sometimes all you need is twenty seconds of insane courage. Just literally twenty seconds of just embarrassing bravery. And I promise you, something great will come of it. I’ve watched a lot of movies in my lifetime (and many featuring Matt Damon – I blame my wife!), but I’ve never forgotten that quote since hearing it. Sometimes it really does just take a handful of seconds to rip off the band aid and do something you’re scared out of your gourd to do. Whether that’s…
  • 40+ Financial Acronyms – Which Are You?

    J. Money
    20 Mar 2015 | 2:12 am
    I got a good laugh the other day when a friend of mine shot me the following article that was too easy to click (thanks Trinnie!): Here is your dumb new acronym for moneyed millennials: HENRYs If you resisted checking it out right now, a HENRY is someone who’s “High Earning, Not Rich Yet.” I.E. a good problem to have. Unless you’re not rich yet due to spending all that high income you’re earning instead of saving and investing it. Which would then make you a HENRY BIAD – high earning not rich yet because I’m a dummy! ;) (You heard it hear first,…
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    Smart On Money

  • Is It Time to Dip Into Your Emergency Fund?

    Miranda Marquit
    24 Mar 2015 | 10:08 am
    One of the most important things you can do for your financial security is to build an emergency fund. Unfortunately, many Americans aren’t prepared with a fund that they can tap in the event of a financial emergency. The Americans that do have an emergency fund, though, might not know when to tap into it. It’s easy to feel as though any setback is an emergency. Another temptation is the fact that you have a large amount of money sitting there, and it seems like you could do something better with it, like buy a new TV or go on a vacation. Before you dip into your emergency fund,…
  • Is A Zero Based Budget Right For You?

    Miranda Marquit
    13 Mar 2015 | 8:04 am
    One of the budgeting techniques that has gained some popularity in recent years is the zero based budget. In this budget, you make sure that every dollar is accounted for at the beginning of the month. You look at what you expect to get in terms of a paycheck, and then use every penny to pay bills, or accomplish your goals. As part of your budget, you decide what will go to debt reduction, or to building an emergency fund, or to your retirement account. You can also put money toward a vacation or some other goal, on top of making sure your groceries, gas, insurance premiums and other expenses…
  • How To Recover After Bankruptcy

    Miranda Marquit
    10 Mar 2015 | 9:54 am
    For the most part, bankruptcy should be the action of last resort when it comes to your money issues. However, there are times when bankruptcy really is the last option you have left. If you have experienced a long-term employment problem, or if you have had a medical problem that causes you financial distress, bankruptcy might be your last option. Once you have filed for bankruptcy, however, it doesn’t mean that it’s the end of your financial life. You can rebuild after bankruptcy, but it takes effort. As you work to overcome bankruptcy, and avoid financial setbacks in the…
  • Ways To Pay For College Without Breaking The Bank

    Contributor
    23 Feb 2015 | 8:06 am
    Going to college can be stressful in so many ways. If you are just getting out of high school, you are being pushed into the real world on your own. Your responsibilities just increased ten-fold. You now have to get yourself to class everyday, do your homework, study for tests, and maybe even work. As if that is not enough, you also have to worry about how you are going to pay for college. If you don’t have money saved up to pay for tuition, you are basically on your own trying to find out how to pay for it. Luckily, you have quite a few options. College is far from cheap, but if you…
  • How To Avoid Falling Into A Bad Credit Score

    Contributor
    9 Feb 2015 | 11:35 am
    Building good credit is a years-long process, while destroying credit only takes a few bad decisions. With this in mind, it’s important for new credit users to avoid the many mistakes which lead to bad credit scores. Too often it seems inexperienced credit cardholders underestimate the ease through which bad credit can be acquired. For these folks – the young ones especially – we thought it necessary to highlight the five best ways to avoid a bad credit score: Maintain A Healthy Debt-To-Income Ratio Credit score criteria includes something called the debt-to-income ratio.
 
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    Financially Poor

  • 6 Tips for Financial Success

    Kevin
    29 Mar 2015 | 3:31 am
    Most people make resolutions at the start of every year to improve their financial situation by spending less and earning more, but only a few people actually follow it. However, just like any other resolution, a plan for financial success is very much achievable if you put in a little effort. Here are some tips to get you started. Get paid for what you are worth Most people are just not aware of their actual worth in the market, or they get exploited by their employers, and end up earning a lot less than they should actually. So if you are working in the marketplace, make sure you research…
  • Getting Legal Advice Online

    Kevin
    27 Mar 2015 | 3:22 am
    When people want to get medical advice, they go online. When they want to know who the 16th president of the United States was, they go online. Legal advice can also be obtained online these days, but not all legal sites should be trusted. If you’re going to do your legal research online, you better know what you’re getting into and use a trusted source. Finding Legal Advice The best way to find legal advice online is to fist search for attorney’s offices. Most law firms have websites, and their sites list a frequently asked questions section. Here you can find the very…
  • Ways to avoid filing bankruptcy – Save yourself from being dragged to the court

    Kevin
    25 Mar 2015 | 3:14 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…
  • Investing with Exchange-Traded Funds (ETFs)

    Kevin
    23 Mar 2015 | 2:56 am
    Guest post by Ori Tal III. Check out the Ori Tal Flicker Account. Exchange-traded funds, or ETFs, are a type of investment vehicle that capitalizes on the robustness of the stock market as a means of generating profit for investors. The popularity of the ETF stems from many advantages that are unique to these types of funds. Not surprisingly, it is these advantages which helped push ETFs into the mainstream as a viable investment asset allowing investors to further diversify their portfolios to manage risks without compromising profitability.  At its core, an ETF is only slightly different…
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    Couple Money

  • Are Store or Discount Brands Always the Best Bang For Your Buck?

    Elle Martinez
    24 Mar 2015 | 7:30 am
    If you see the title, you may have picked up on the fact that price is only part of the equation. While we do enjoy saving money whenever we shop, we also consider purchases for their value. I had a great conversation last week with Len about finding the best deals with store and name brands. Len has been running a fantastic series where he has a panel of family and friends test out foods like potato chips, sodas, and cereal. While the store brands were cheaper and scored better, they weren’t winners all the time. Sometimes, the panel picked the name brands. And that’s okay with…
  • How Much House You Can (Really) Afford

    Elle Martinez
    17 Mar 2015 | 5:51 am
    With our baby’s arrival and my returning to work, we’re focusing our attention on two of our goals for this year – paying off the student loan and buying a house. As we begin the process one of our first steps is seeing how much of a mortgage we can comfortably afford and figuring a down payment goal. If you’re also in the market for buying a home, I hope our notes can help you two be better prepared. True Housing Costs When figuring out how much we can afford on a house, we tried to keep in mind that there are certain expenses to owning a home. Lenders typically…
  • Finding Balance When Automating Your Money

    Elle Martinez
    12 Mar 2015 | 10:32 am
    Based on several posts I’ve written about how helpful automating our finances has been, you may feel like it’s the perfect solution for a busy couple. While I believe it’s a fantastic way to simplify family finances, I think it’s smart to weigh the costs and benefits before signing up. Being Careful with Automating With technology rapidly changing, companies are offering more ways to automate finances. It can be tempting to sign up for a service, especially one that offers to help you save money. But you have to remember you are giving over some control or access…
  • Moneystepper’s 2015 Savings Challenge Update #2

    Elle Martinez
    10 Mar 2015 | 4:42 pm
    I’ve signed up for MoneyStepper’s 2015 Savings Challenge as a way to build up our net worth and savings.  The two main goals of the challenge are: Grow Your Net Worth Save % of Your Net Income For 2015 our family will do our best to increase our net worth by 25% and have a 15% savings rate. With March here, it’s time to reflect and look at how we did last month. February Net Worth and Savings Results While February was a quiet month work wise for me, we had plenty to do when it came to finances. We had two big bills that had some numbers that didn’t add up. Hospital…
  • The Best Kept Secrets to Planning a Wedding on a Budget

    Elle Martinez
    3 Mar 2015 | 5:00 am
    Our 2 year anniversary is coming up on March 16, which means 2 years ago from today, I was freaking out. I’m talking about a first class, total meltdown. My meltdown was not a case of cold feet or pre-wedding jitters, but a sudden and harsh realization that weddings are expensive. Everyone knows this, but until you plan one for yourself, it doesn’t sink in all the way. So after it did, I let myself hyperventilate. If this is where you’re at, go ahead. Scream into a pillow. You’ll feel better. Afterward, you’ll realize there is good news. You can have your Pinterest-worthy wedding,…
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    Beating Broke

  • Would You Consider Moving to Improve Your Standard of Living?

    MelissaB
    30 Mar 2015 | 6:28 am
    Last July, our family moved from the near suburbs of Chicago to the suburbs of Tucson, Arizona.  We knew that there would be some significant changes to get used to, like the change in weather, but honestly, we weren’t sure how our lives would change. Had my husband not been offered a job in Tucson, we never would have considered moving so far away from family and friends.  However, making this move turned out to be a wonderful decision. Even though my husband is only making $2,000 more than he was making in Chicago, our quality of life has improved tremendously. Benefits of Moving to…
  • 3 Easy Ways to Get a Home Cooked Meal on the Table: Save Time and Money

    MelissaB
    9 Mar 2015 | 6:53 am
    Do you cook at home?  If so, how many times a week? Chances are, your answer will vary depending on whether or not you work outside the home, your age, and your income. Sure, cooking at home can save you plenty of money, but not a lot of us do it.  According to Harris Interactive, “Two in five (41%) say they prepare meals at home five or more times a week and three in ten (29%) do so three to four times a week.  One in five (19%) of U.S. adults prepare meals at home one to two times a week, and 11% say they rarely or never prepare meals at home.” There aren’t always easy ways to…
  • 4 Ways to Spend Less on Groceries Each Month

    MelissaB
    2 Mar 2015 | 5:33 am
    Are you familiar with the USDA food plans?  These plans state how much food should cost a family each month based on four categories:  thrifty, low-cost, moderate and liberal.  The plans are updated each month to accommodate food price increases.  You determine how much your family should spend by choosing one of the four plans, and choosing the ages and members of your family. For instance, according to the most recent USDA food plan, my family of five (2 adults and 3 kids ages 4 to 10), we should be spending approximately $176.60 a week on the thrifty plan up to $348.90 on the liberal…
  • Achieving True Diversification in Your Portfolio

    Thomas Bawdy
    1 Mar 2015 | 7:21 am
    “Don’t put all of your eggs in one basket.” I’m sure you’ve heard that expression before. Most people at least understand the idea of diversification. The idea is to prevent you from losing all of your investments if something bad were to happen. The idea is simple, but many investors fail to achieve true diversification in their portfolio. I can’t tell you how many times I have heard someone talk about their diversified portfolio that consists of 10 stocks. Ten stocks isn’t anywhere close to diversified. This false sense of diversification is a very…
  • Living on What You Earn Can Make You Feel Broke, and That’s a Good Thing!

    MelissaB
    23 Feb 2015 | 5:04 am
    Living on what you earn can be a difficult thing.  For many, it seems like a little like a foreign language; difficult to learn to do, and backwards.  But, if you can learn it, and transform your life into one where you’re living on what you earn, it can make a whole lot of difference.  You’ve got to start somewhere, though.  I, like you, haven’t always lived on what I earned. Almost all of my life, I’ve owed someone something.  When I was 19, I needed a car.  My parents, tired of having me call them late at night after my old, beater car had broken down—AGAIN!—,…
 
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    Stack The Chips

  • 5 Ways You Can Invest Your Tax Refund

    Edwin C
    24 Mar 2015 | 12:11 am
    When you think of investing money, you normally think about the return on your investment. When it comes to investing, you have to remember that higher the risk of the investment, the higher the return. If you’ve received a tax refund this year, you might be wondering where you can invest your money. Here are a few ways you can invest your refund this year. Bonds, Bank CDs & Insurance Investment in Bonds, Life insurance and bank certificates of deposits are the safest ways to invest money. Those are safe investments they often give you a very low return on your investment. They can…
  • 7 Income Streams Anyone Can Create

    Edwin C
    19 Feb 2015 | 10:40 pm
    Lets face it, the days of having one job your whole life, retiring and receiving a nice pension are gone. For years our parents and grandparents put their hearts and souls into companies looking forward to their retirement date. Unfortunately, that type of job security is long gone and it’s more important than ever to have multiple income streams in case something doesn’t work out and you suddenly need to add to your income. Read on for 7 income streams anyone can create. Save Your Raise If you get a yearly raise, but can live on what you were making before, put the extra money in the…
  • Store Credit Cards: The Pros And Cons

    Edwin C
    23 Jan 2015 | 1:33 am
    You’re at the checkout counter at your favorite department store and the clerk asks if you’d like to open a store card. You hesitate. They sweeten the deal by offering you 15 percent off your purchase. What do you do? Here in this post I’ll provide an unbiased view on store credit cards. Store credit cards are just one way that businesses make money. The clerks are trained to push the plastic cards in hopes that frequent customers sign up and rack up the balances. Often, cards come with high interest rates which will mean more money for the store. If you’ve ever been…
  • 9 Ways To Make Money Off Old Electronics

    Edwin C
    5 Dec 2014 | 11:26 pm
    If you have an old smartphone, laptop or other electronic device sitting around, and who doesn’t, you could be sitting on a potential goldmine. Well maybe not a goldmine, but you could have up to one thousand dollars sitting around collecting dust. But unlike valuable antique coins, these electronic items depreciate in price rapidly. I still have one of those old Nokia cell phones, a Palm PDA and an old Dell computer that are all now worthless. I could have sold those items for a few hundred bucks back in the day. Now I don’t let that happen anymore. When I upgrade my laptop,…
  • Use Store Brands To Save Money At The Grocery Store

    Edwin C
    19 Nov 2014 | 1:19 am
    If your grocery bills have skyrocketed, you’re not alone. Some name brand products are going up in price. Others are keeping the prices the same but just giving you less. Either way, it’s becoming more expensive to feed your family. One way people are easing the pain at the register is by switching to store brands. This method saves you money and requires no extra effort on your part. If you’re considering making the switch, rest assured that consumer reports have shown that many shoppers actually prefer the taste of store brands. As a bonus, prices can be as much as 25…
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    MichaelHaltman.com

  • Senator Ted Cruz Announces His Bid For President

    MichaelHaltman
    23 Mar 2015 | 8:48 am
    According to Fersen Lambranho and LinkedIn, the 2016 Presidential campaign began in earnest yesterday with the announcement by U.S. Senator Ted Cruz of Texas that he is officially running for President. Senator Cruz made his announcement on Sunday via Twitter and other social media posts. He is scheduled to make a formal announcement today at Liberty University in Lynchburg, Virginia. Cruz Announces His Bid for 2016 Presidential Campaign While Cruz is the first major candidate to announce, it is expected that he will be only one of a crowded field of republican contenders, including former…
  • Beohner Seeks to Quell GOP Opposition to Border Security Bill with Lawsuit Threat on Amnesty

    MichaelHaltman
    19 Mar 2015 | 9:39 am
    It may be that House Speaker John Boehner really does not want to engage the president on any piece of legislation that is combative. It seems to be the belief of the establishment GOP that the best approach is to work with the president to get some sensible legislation passed in a spirit of bipartisanship. That does not sit well with core conservative lawmakers who got elected promising voters they would thwart the president’s policies. Thus far, the party has failed to deliver on repealing Obamacare partially or in total. House Speaker Boehner, who is loath to use the power of a…
  • France and Germany Join Asian Investment Bank

    MichaelHaltman
    18 Mar 2015 | 7:13 am
    France and Germany recently announced that they will follow the lead of the United Kingdom and join the newly formed Asian Infrastructure Investment Bank, (AIIB). Germany and France Side with U.K. and Join Asian Investment Bank This news is significant as the United States recently noted its disappointment with the U.K. decision to join the AIIB, citing that the new Asian Investment Bank undercuts the authority of the International Monetary Fund, (IMF). Considered the principal western banking global regulatory entity, the role and clout of the IMF is now in question as three of its strongest…
  • Ret. General George Petraeus Still Serving His Country Despite Felony Plea

    MichaelHaltman
    17 Mar 2015 | 7:47 am
    Retired General David Petraeus plead guilty to a felony count for releasing classified information to his mistress. The context of the crime was a biography she was assembling on his military service. Regardless, the man behind the Iraqi “surge”, which is credited for turning around the US military effort to stabilize Iraq, will have a felony record. Despite having issued his guilty plea a fortnight ago, Petraeus is still serving his country. The Obama administration confirmed today that they still consult with Petraeus regarding the Islamic State of Iraq and the Levant (ISIS). As…
  • Conspiracy theory question shakes Republican Presidential candidates

    MichaelHaltman
    16 Mar 2015 | 11:43 am
      A video of a question and answer session at the South Carolina National Security Action Summit released by CipherCloud has generated large numbers of views on the Internet when one delegate claimed President Obama tried to explode a nuclear bomb in Charleston, South Caroline, Bloomberg reports. Senator Rick Santorum answered a fews of the points raised in the long question, but largely ignored the revelation of a plot to destroy a major US city. The question stated the nuclear bomb plot was designed as a false flag attack that are said to be used to scare then public and push through…
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    The Economic Peephole

  • Senator Ted Cruz Announces His Bid For President

    MichaelHaltman
    23 Mar 2015 | 8:48 am
    According to Fersen Lambranho and LinkedIn, the 2016 Presidential campaign began in earnest yesterday with the announcement by U.S. Senator Ted Cruz of Texas that he is officially running for... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Beohner Seeks to Quell GOP Opposition to Border Security Bill with Lawsuit Threat on Amnesty

    MichaelHaltman
    19 Mar 2015 | 9:39 am
    It may be that House Speaker John Boehner really does not want to engage the president on any piece of legislation that is combative. It seems to be the belief of the establishment GOP that the best... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • France and Germany Join Asian Investment Bank

    MichaelHaltman
    18 Mar 2015 | 7:13 am
    France and Germany recently announced that they will follow the lead of the United Kingdom and join the newly formed Asian Infrastructure Investment Bank, (AIIB). Germany and France Side with U.K.... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Ret. General George Petraeus Still Serving His Country Despite Felony Plea

    MichaelHaltman
    17 Mar 2015 | 7:47 am
    Retired General David Petraeus plead guilty to a felony count for releasing classified information to his mistress. The context of the crime was a biography she was assembling on his military... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Conspiracy theory question shakes Republican Presidential candidates

    MichaelHaltman
    16 Mar 2015 | 11:43 am
      A video of a question and answer session at the South Carolina National Security Action Summit released by CipherCloud has generated large numbers of views on the Internet when one delegate... [[ 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

  • 6 terrible credit card lessons from The Simpsons

    Elizabeth Barry
    30 Mar 2015 | 6:13 pm
    What The Simpsons taught me about using a credit card…and about being credit savvy in general Love it, hate it, or admit your growing obsession with it, The Simpsons is a cultural phenomenon that has crossed global borders and stood the test of time (both in TV land and, well, real land). The show has […] The post 6 terrible credit card lessons from The Simpsons appeared first on Compare Australian Credit Cards and Offers.
  • Finding the best credit card for Netflix and internet tv subscriptions

    Elizabeth Barry
    25 Mar 2015 | 3:27 pm
    What’s the best way to fund your binge-watching habits? Netflix is here. The pricing has been announced and the TV show and movie library has been released and pored over by every Australian keen to get their money’s worth. So if you’re ready to sign up — maybe you already have — there’s definitely ways to […] The post Finding the best credit card for Netflix and internet tv subscriptions appeared first on Compare Australian Credit Cards and Offers.
  • ANZ First Student Card Offer – Rates and Fees

    Jonathan
    4 Mar 2015 | 10:01 pm
    Review of the ANZ First for Students Offer Visa Card The ANZ First for Students Visa card provides many features that can be ideal for students, with interest-free days on purchases and various types of protection for peace of mind and convenience. ANZ offers up to days interest-free on purchases and also covers you with […] The post ANZ First Student Card Offer – Rates and Fees appeared first on Compare Australian Credit Cards and Offers.
  • Westpac Low Rate Credit Card

    Elizabeth Barry
    16 Feb 2015 | 8:31 pm
    Westpac Low Rate Credit Card Review This low rate card option from Westpac offers you a convenient line of credit that won’t charge you much in the form of interest or fees. When you use your card for purchases you’ll be charged a competitive rate of , and the card also comes with a relatively low […] The post Westpac Low Rate Credit Card appeared first on Compare Australian Credit Cards and Offers.
  • bankmecu Platinum Rewards Visa – Balance Transfer Offer

    Elizabeth Barry
    15 Feb 2015 | 5:41 pm
    bankmecu Platinum Rewards Visa Credit Card Review bankmecu offers you a competitive card option with the Platinum Rewards Visa. The card comes with a balance transfer rate offer that can help you pay down an existing debt, as well as competitive standard features. These includes complimentary overseas travel insurance, the ability to earn up to  […] The post bankmecu Platinum Rewards Visa – Balance Transfer Offer appeared first on Compare Australian Credit Cards and Offers.
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    Money Spruce

  • How to Get a Loan When You Have Bad Credit

    Justin Weinger
    16 Mar 2015 | 10:16 am
    Unfortunately, for many having bad credit is a part of everyday life. Mistakes and unfavorable circumstances happen, such as hospitalizations, job loss, and repairs needed around the home. These situations can place you behind on your bills, and late payments will reduce your credit score. This doesn’t make you a bad or irresponsible person, but it does reflect negatively on your credit report. If you have bad credit and are in need of a loan, check out the below four ways to get the loan you need. Use the Equity in Your Home If you own a home or condo, check and see if you have equity in…
  • Why I Just Gave Up Freelancing For A Full-Time Gig

    Justin Weinger
    10 Mar 2015 | 6:16 pm
    In my last post, I talked a bit about my experience in three years of freelancing. What I didn’t share is that I’ve been in discussions to take on a full-time job. And sure enough, Monday was my first day at the job. So why did I do it? There are several reasons for this. They made me an offer I couldn’t turn down At the time, I wasn’t really looking for a full-time job. But I always had it in my mind that I would take one if the right job came along. And then one day a few weeks ago, it did. To me, this isn’t any “normal” job. There are a few key…
  • 3 Years of Freelancing Full-Time: What Have Been The Biggest Surprises?

    Justin Weinger
    24 Feb 2015 | 1:18 am
    My friend Melanie asked me at happy hour tonight what I thought the biggest surprises of freelancing were for me. It’s an interesting question to think about. And to be honest, it’s a little hard to remember back to when I wasn’t freelancing. But I know I’ve had a few good ideas all along. So if you’re thinking about freelancing full-time, here are some things I learned that may help you. It takes a while to get started I planned about 8 months ahead of time to quit my job and go freelance full-time. And yet I thought once I started, I’d be booked solid in…
  • Easy ways to cut the cost of your lunch hour

    Justin Weinger
    23 Feb 2015 | 2:00 am
    Update: Even though it’s four years since I first wrote about this, I’m still very aware of it today. The streak has ended (can’t pass up $6 food truck lunches in Portland), but I’m still very far from buying lunch every day. 125 Days.  That’s how long since the last time I bought myself lunch on a workday.  That’s 92 consecutive workdays (and counting).  To me, it’s a huge feat that I’m proud of and has also saved me a ton of money.  Conservatively assuming that eating out for lunch costs $5 more than bringing my own lunch, I’ve saved…
  • Why Understanding APR is Important to Your Finances

    Justin Weinger
    23 Dec 2014 | 10:35 am
    For most of us, we look at the APR, or Annual Percentage Rate, of our loans and other financial obligations and usually don’t see much difference in them over the actual interest rate. In fact, it’s all too easy for someone to just casually compare the two and figure that they are paying more or less the same. However, this is not true. Failing to consider the APR, especially in a variable interest rate loan, is something that will cause you to slowly lose money over time, because you’ll be paying extra interest. That’s because where an interest rate is the exact figure you’re going…
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    Good Financial Cents

  • Are Annuities a Good Investment? The Good, Bad, and Real Ugly

    Jeff Rose
    28 Mar 2015 | 4:39 am
    Annuities. You may have heard investment advisors – or insurance advisors – talk about them in the past. In fact, earlier I described several reasons you should and shouldn’t buy annuities. If you catch me on the street and ask if annuities are a good investment, I’d tell you the short answer is that it depends. If you press me further, I’d tell you that most of the time they aren’t a good investment. If you demand clarification, I’d probably just shoot you a link to this article – unless you’d like to take me to In-N-Out Burger and pick up the…
  • 15 Ways to Invest $10,000

    Jeff Rose
    23 Mar 2015 | 12:44 pm
    Do you remember the first time you wrote a check for $100? The first $100 check I wrote was for my cell phone waaayyy back in 1997.  Whoa….that brings back memories. What about your first, $1,000 check? Even better, your first $10,000 check? The first time I wrote a check for $10,000 was to pay off my student loan debt.  That was, by far, the best check I ever wrote! It’s not too often that you have an extra $10,000 lying around, but if you did it would definitely be a good problem to have.   But the answer as to what to do with the money isn’t always clear. Allow me to…
  • 5 Ways You’re Networking Terribly Wrong

    Jeff Rose
    19 Mar 2015 | 8:22 pm
    We’ve all been there. You’re at an event and get cornered by a narcissist. You try to escape, but it’s no use. You’re stuck in networking hell. In life — and especially in business — your network is everything. Author and former Yahoo director Tim Saunders says it this way: “Your network is your net worth.” One man that knows about networking is John Corcoran, an attorney, entrepreneur and founder of SmartBusinessRevolution.com. By networking, he was 23 when he landed a job at the White House. He now shares with others how to build better…
  • 16 Hobbies That Can Actually Make You Money

    Jeff Rose
    15 Mar 2015 | 5:34 pm
    It all started with the 1986 Donruss Jose Canseco Rated Rookie Card. At the time, it was the holy grail of any kid that loved sports. And it was also my introduction of my favorite hobby as a kid: collecting baseball cards. My dad loved taking me to baseball card shows and we would work the room scanning the vendors tables hoping to score some great finds. He honestly believed it would help pay for my college tuition. I just hoped I would make a few extra bucks so I could buy a new pair of Nike Air Jordan’s. Either way, we truly believed that we could make money off a hobby that we…
  • 8 Secrets Your Life Insurance Agent Might be Keeping From You

    Jeff Rose
    9 Mar 2015 | 8:37 pm
    We would like to think of life insurance agents as trusted advisers whose only aim is to get us the right coverage. But the nature of life insurance -– and the job of life insurance agents -– makes them something close to our natural enemy. One easy way to prevent being taken advantage of is to find an independent agent. “Independent agents save you time and money,” said Chris Huntley, co-founder of JRCInsuranceGroup.com. “Rather than completing applications and medical exams with 15 different insurance companies to see which one will approve you at the best rating, make…
 
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    One Family's Blog

  • Tracking Michael Price's MFP Portfolio - Q4 2014 Update

    ks
    16 Mar 2015 | 12:07 am
    Below is a spreadsheet that highlights the changes to Michael Price's MFP Portfolio US long stock portfolio as of Q4 2014. Please check out our previous update to have an idea on how the portfolio is progressing: To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy.  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Jim Chanos' Kynikos Portfolio - Q4 2014 Update

    ks
    15 Mar 2015 | 11:59 pm
    Below is a spreadsheet that shows the changes to Jim Chanos' Kynikos US long portfolio holdings as of Q4 2014. To have an idea of how the holdings have progressed click on our previous update: As Kynikos is focused on short-selling, his long positions covered in the 13F are probably hedged. For an introduction to short-selling, check-out the book "Short Stories from the Stock Market: [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Dinakar Singh's TPG-Axon Portfolio - Q4 2014 Update

    ks
    15 Mar 2015 | 11:40 pm
    Below is a spreadsheet that shows the changes to Dinakar Singh's TPG-Axon US long portfolio holdings as of Q4 2014. To have an idea of how the holdings have progressed click on our previous update:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy.   [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Thomas Gayner's Markel Portfolio - Q4 2014 Update

    ks
    15 Mar 2015 | 11:32 pm
    Below is a spreadsheet that highlights the changes to Thomas Gayner's Markel Portfolio US long stock portfolio as of Q4 2014. Please check out our previous update to have an idea on how the portfolio is progressing:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy.  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Larry Robbins' Glenview Capital Holdings - Q4 2014 Update

    ks
    15 Mar 2015 | 11:23 pm
    Below is a spreadsheet that shows the changes to Larry Robbins' Glenview Capital Holdings US long portfolio holdings as of Q4 2014. To have an idea of how the holdings have progressed click on our previous update:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Cash The Checks

  • 5 Ways To Make More Money By Building Your Personal Brand

    Edwin C.
    23 Mar 2015 | 11:24 pm
    No matter what industry you work in or what your title is, there’s always room to improve yourself and move up the ladder. The easiest thing you can do is to become an invaluable asset for the company so they’ll want to keep you around and develop your personal brand through training, promotions and extra education. Read on for 5 ways to make more money while building your own brand. Create Your Own Blog When you create your own blog, you can share your expertise on a particular subject or even just let others know what you think about a topic. You can create an engaging blog by posting…
  • 7 Free Apps To Save You Money On Your Next Vacation

    Edwin C.
    1 Mar 2015 | 8:49 pm
    Traveling is meant to be fun, but planning the vacation and then staying within budget while you’re away from home can take the fun right out of your trip. Fortunately, there are many apps that are available to help you plan your vacation and save money while you’re out. Read on to discover 7 of the best free apps to help you save money on your next vacation. Kayak Kayak is a website that helps you compare airfare and hotel prices. While that alone doesn’t sound like anything special, it actually goes a step farther and gathers prices from multiple booking sites so you can easily find…
  • 9 Free Shopping Apps You Need To Download

    Edwin C.
    22 Feb 2015 | 9:18 pm
    Clipping coupons is a pain, but if you have a smartphone there are plenty of apps that can make your life much easier. There are tons of money-saving apps available that let you view, save and use coupons right from your phone. You’ll never have to clip a coupon and you’ll still enjoy the savings at the register. Read on for 9 shopping apps you need to download right away. Cartwheel by Target If you’re a Target shopper, you need this app. The app lets you see the latest deals in the store and add special offers to your cartwheel. Then, you can use all of the coupons you’ve selected at…
  • 7 Factors That Affect Car Insurance Rates

    Edwin C.
    15 Feb 2015 | 1:45 am
    Shopping for car insurance can be stressful and confusing. How much insurance do you really need? While many drivers choose to reduce rates by opting for lower coverages or raising deductibles, smart drivers can lower rates by being aware of factors that affect car insurance rates and changing things that are within their control. Here are 7 factors that can affect your car insurance rates. Gender And Age Of The Driver It’s no secret that young men have the highest car insurance rates. The reason is that women are usually better drivers according to statistics. Don’t worry guys –…
  • 6 Financial Tips For New Parents

    Edwin C.
    17 Jan 2015 | 9:18 pm
    Whether your pregnancy was planned or not, seeing those 2 lines on the test strip will change you entire life. Thinking about your future and the financial responsibilities you’ll soon face can trigger anxiety and stress in the most frugal of people. Once parenthood is impending, it’s important for mom and dad to start thinking about finances and to get their priorities in order. Read on for 6 financial tips for new parents. Get Life Insurance If you don’t already have a life insurance policy, get one. Once you have a family, a death could leave behind not just a grieving spouse, but a…
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    AuctionWally.com

  • Contemporary Colonial Style Brass Chandelier Appraisal

    walt kolenda
    22 Mar 2015 | 7:07 pm
    Contemporary Colonial Style Brass Chandelier Appraisal Mark asks: What is the appraised value of my brass chandelier?  It is 30″ wide x 28″ high 6 arms all brass porcelain accents AW says: That’s a very nice quality colonial revival American brass chandelier. It has stylings of European influence, as per the porcelain faux oil pots and white shades.  The quality is evident from the construction and contour of the brass work and the fact that it is all solid brass. This may be a Hubbell piece, or quite possibly a Stiffel fixture, although I don’t recall this model…
  • Lucy M Lewis Acoma Pottery Turkey Appraisal

    walt kolenda
    9 Mar 2015 | 8:36 pm
    Lucy M Lewis Acoma Pottery Turkey Appraisal We bought this pottery in New Mexico in the late 60’s. It’s possible th it was ‘over-fired’ since there are some black marks on it. Otherwise it is in perfect condition We bought a fine bowl by J. Lewis at the same time. AW says: That’s an excellent example of Lucy Martin Lewis Acoma pottery. These piece of hand coiled pottery are pit-fired.  It’s rare that these pieces of clay art come out perfect. Lucy began making pottery at the age of eight years old under the supervision of her aunt. She mastered the…
  • Antique Boston Rocker Appraisal

    walt kolenda
    2 Mar 2015 | 6:39 am
    Antique Boston Rocker Appraisal Stephen asks: We are looking for information that you can give us on this chair, is it possibly a Hitchcock Rocker? Also what price range could we sell this at? antique boston rocker   AW says: This is an early Boston rocker, but it’s not a Hitchcock piece of furniture, rather it’s what we would call “in the style of Hitchcock” Lambert Hitchcock produced thousands of chairs that made popular the stenciling technique that is on the back of your chair. This technique helped to speed up production as it was a much faster decorating…
  • Appraisal for Antique Frame

    walt kolenda
    28 Feb 2015 | 5:19 am
    Vondel asks: What is the value of my antique wooden frame? AW says: Your frame is not actually all wood. It’s a American Victorian era frame (circa 1870s-1910) made with a wood as a base, but the gold decoration,sometimes referred to as gold gilt, is actually made out of plaster. One of the rare things about your frame, is that it’s in excellent condition. As you can imagine these frames being made of plaster are very fragile, and it’s difficult to find them without a lot of the decoration chipped away. The portrait or photo inside of it has little value unless there is…
  • Cut Glass Bowl Daisy and Button

    walt kolenda
    19 Feb 2015 | 4:47 pm
    Hi Walt, Here’s the 2nd of 3 pieces for appraisal.  This should be an easy one for you, but I have yet to master the art of identifying cut glass.  This bowl is 3 1/2″ in height, 6″ diameter at top, 3 3/8″ diameter at bottom.  Weighs  1 lb. 13oz.  No cracks, no chips, no repairs.  Thanks! < AW: That’s A beautiful cut glass bowl. In The right like it should throw colors like a diamond. The pattern is Daisy and buttons. It appears to be a piece of American Brilliant Period cut glass. (1876-1915) At…
 
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    Credit.com

  • How to Get a Car Loan After Bankruptcy

    Gerri Detweiler
    29 Mar 2015 | 9:01 pm
    Buying a car can feel stressful enough, but when you have been through bankruptcy it may feel downright terrifying. No matter what the circumstances that led to your filing — large medical bills or a job loss, for example — you probably feel embarrassed and afraid that no one’s going to want to give you the time of day, much less a decent loan. “The most important thing to know is that you do have options,” says Phil Reed, senior consumer advice editor for the car buying platform Edmunds.com. He says lenders are interested in working with borrowers who are recovering from…
  • What Happens to a Debt Collector That Gets Shut Down

    Bob Sullivan
    29 Mar 2015 | 9:01 pm
    Travell Thomas is desperately trying to save his business, or at least part of it. His debt collection firm, Four Star Resolution, was raided during the morning on Feb. 11, as a result of a lawsuit filed by the Federal Trade Commission. Employees were told to leave immediately. A temporary restraining order now prevents Thomas — and any company employee — from entering the premises, seeing any company files or accessing any financial records. Employees can’t be paid and consumers can’t make payments, Thomas says. The lawsuit has thrown the firm, among the largest in…
  • 22 States Where You Could Lose Your License for Not Paying Your Student Loans

    Christine DiGangi
    29 Mar 2015 | 9:01 pm
    Failing to repay student loans has all sorts of terrible consequences, but in some states, more than just your financial well-being is at risk — student loan default could cost you your professional certification or even your driver’s license. Two state legislatures (Iowa and Montana) are considering bills that would repeal laws that allow states to suspend the driver’s licenses of student loan defaulters, Bloomberg reported in a March 25 piece on the topic. Even if those repeals succeed, several other states have such laws in place. Some states suspend licenses needed to…
  • Can I Get a Seller to Pay My Closing Costs?

    Chris Birk
    29 Mar 2015 | 9:01 pm
    Closing costs are one of the most confusing and misunderstood parts of the homebuying journey. About a third of prospective buyers feel “not very” or “not at all” aware of them, according to a recent survey from real estate data and technology firm ClosingCorp. That can be a problem for buyers who jump into the homebuying process without budgeting for these costs and fees, which can total 2% to 5% of the purchase price or more. The good news is you may not have to spend a dime. You can ask the home’s seller to cover some or all of your closing costs. Every transaction is different,…
  • Alleged Identity Theft Victim Stranded in Mexico

    Christine DiGangi
    29 Mar 2015 | 9:01 pm
    An American who travels frequently to Mexico has been stuck there since the beginning of March because someone reportedly stole his identity, the man’s lawyer said. Carlos Montoya lives in Los Angeles but went to Mexico for epilepsy treatment, his lawyer said in a March 23 news conference. When border agents took Montoya’s fingerprints as he attempted to cross the border a few weeks ago, a different man’s photo was associated with Montoya’s name, reportedly leading the agents to arrest Montoya. Montoya’s lawyer, Luis Carrillo, said agents accused his client of…
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    StepChange MoneyAware

  • Nuisance calls: 5 things other countries do that should happen here

    StepChange Debt Charity
    19 Mar 2015 | 5:55 am
    The telephone rings. You pick it up, and at the other end of the line is somebody trying to sell you a payday loan, or help you reclaim PPI, or telling you how to get money for an accident that wasn’t your fault (and, amazingly, one you didn’t know you’d had). Annoying isn’t it? But it’s not just annoying. It’s also harmful. These calls can leave those in financial difficulty vulnerable to making decisions that will make their situation worse. That’s why in October 2013 we launched our Got Their Number campaign; to increase the level of protection offered to hard-pressed…
  • 20 more weird and wonderful ways to make money

    Rachel
    18 Mar 2015 | 9:09 am
    Just when you thought it was safe to make money like a boring person, we come at you with 20 more creative, compelling and crazy ways to generate some extra dosh. Ain’t we swell? Our first round-up of weird money-making methods last year proved so popular that it would’ve been criminal not to follow it up with a second list, and here it is! From selling your story to setting up Twitter for your local chippy, there are lots of unusual ways to get an extra bit of cash flowing. It’s time to shake your money-maker once more… (Fancy seeing some nice photos? You can also check out…
  • Don’t leave home without these 5 money-saving apps

    Rory
    18 Mar 2015 | 6:25 am
    Among your games, messaging and social media apps there should always be a dedicated money-saving section to fire up whenever you’re looking for a bargain. However with so many apps out there, which ones offer you genuinely quick, easy ways to save money? We set out to do the hard work for you by testing a heap of different apps to see which offered the best value, discounts and ease-of-use. Here’s our round-up of 5 free apps you shouldn’t leave home without. App-solutely fabulous phone apps 1. Vouchercloud Vouchercloud (available for iOS, Android, Windows Phone and Blackberry) was…
  • 5 cheep ways to make Easter egg-stra special

    Laura
    18 Mar 2015 | 2:26 am
    Easter was one of my favourite holidays as a kid. Sweets were usually rationed in my house, so we all looked forward to the one day a year when we could eat chocolate for breakfast! Looking back on it, I now see why my mum limited our sugar intake. For anyone looking after kids this Easter; good luck. Having two energetic nephews to entertain this Easter myself, I realise that luck probably isn’t enough. That’s why I’ve put together a list of my favourite thrifty egg-themed Easter games, DIY activities and recipes (as well as many egg-related puns) to give you a few ideas for the long…
  • March’s top debt and money news stories

    Rachel
    13 Mar 2015 | 6:19 am
    March 2015 debt news It’s been a busy month for debt news, not least the staggering 372% jump in council tax arrears our clients have seen over the last five years. And in other news, unions have warned that wages have plummeted in Scotland over the last six years, at a rate not seen since the 19th century. It’s not all doom and gloom, however. Her Majesty’s Revenue and Customs (HMRC) plans to scrap automatic fines of £100 for late tax returns, which will come as a relief for many self-employed people. Read more in this month’s round up… Bills are soaking up over half of our…
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    Free Money Wisdom

  • Round Up to Save For Retirement

    Jon the Saver
    23 Mar 2015 | 1:48 pm
    How do you start saving for retirement on a limited budget? For some the concept of investing money to build a more financially secure future is second nature, a habit that seems to be built into their DNA. For many others it seems like a foreign language, or something that is reserved for those who might be found lounging pool side by their summer home three months out of the year. With a margarita. No, a dry martini. And a small dog. No wait, a wolf. Sorry. Anyway, saving for retirement, a college fund or the adventure of a lifetime is a habit anyone can learn and the Acorns app makes it…
  • The Frugal Lawn and Garden Guide

    Jon the Saver
    18 Mar 2015 | 2:25 pm
    The Frugal Lawn and Garden Guide – Gardening Tips, Lawn Care, and More for Less If you are searching for frugal ideas that pertain to gardening tips and lawn care, you will benefit immensely from reviewing this lawn and garden guide. If you reside in a region that experiences distinct seasonal changes throughout the year, you are probably currently looking over a lawn and garden that is brown, weed-ravaged, and in a complete state of despair. Purchasing the tools, seeds, fertilizers, and compost to get your lawn and garden back in shape is a costly endeavor; however, the expenses that most…
  • Investment Opportunities – Put Your Money in the World Wide Web and Watch it Work for You!

    Jon the Saver
    8 Mar 2015 | 5:36 am
    Investment Opportunities – Put Your Money in the World Wide Web and Watch it Work for You! If you are in search of potentially profitable investment opportunities, you should put your money in the World Wide Web, sit back, and watch it work for you! In the past decade, the real estate market has experienced such a high degree of fluctuations that it is no longer considered to be a viable option for those that seek to have a financially stable future. The housing market rapidly moves from one extreme to another, with no consideration for the average investor; however, there is one real…
  • Easy Ways to Save on Travel Expenses

    Jon the Saver
    19 Feb 2015 | 9:57 am
    Save on Travel – Easy Ways to Save on Travel Expenses to Greece There are numerous ways to save on travel available for those that have an interest in visiting various locations around the world. In today’s world, the “Bucket List” is becoming increasingly popular. This has been especially true since the release of the American comedy-drama movie, “The Bucket List”, in the year 2007. Essentially, this type of list outlines the achievements, experiences, and travel adventures that an individual hopes to have, experience, and/or accomplish during their lifetime. In evaluating the…
  • Financing Your Bucket List

    Jon the Saver
    10 Feb 2015 | 6:54 pm
    How to Achieve Success in Financing Your Bucket List and Saving for Retirement It is now possible to achieve a high level of success in both saving for retirement and bucket list planning, according to financial experts. It is a known fact that most of us could create a massive list of experiences and adventures that we would like to take part in before we “kick the bucket”, so to speak. The idea of creating a list of these experiences and adventures gained an immense amount of popularity with the release of the popular movie, “The Bucket List” in the year of 2007. In this…
 
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    Help Me To Save

  • £19 a Night for a Room at the Holiday Inn Express London Park Royal

    Karen Bryan
    29 Mar 2015 | 11:07 pm
    I was looking for cheap accommodation, to extend a one night hosted trip to London for an event organised by a finance company. I had a look at Expedia Secret Saver Hotels one week before my proposed stay, to see if I could find any bargains. When I saw a three star hotel in the Ealing/Chiswick […]£19 a Night for a Room at the Holiday Inn Express London Park RoyalHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #110

    Karen Bryan
    28 Mar 2015 | 11:41 pm
    The My Money Podcast #110 summarises the recent Help Me To Save article below. listen to ‘My Money Podcast #110: Recent Article Summary’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Can You Make a Quick Profit from a Pension? – I examine how non and low earners […]My Money Podcast #110How to save money. Copyrighted content published on Help Me To Save.
  • Cash ISAs Not Looking Alluring

    Karen Bryan
    27 Mar 2015 | 11:59 pm
    Normally in late March/early April I’m on the lookout for the highest fixed rate Cash ISA, in order to put in the full ISA allowance at the start of the new tax year on 6 April. I’ve always gone for fixed rate accounts in order to get the highest rate of interest and I’ve been […]Cash ISAs Not Looking AlluringHow to save money. Copyrighted content published on Help Me To Save.
  • Making a Claim Through Nationwide’s Flex Plus Current Account Mobile Phone Insurance

    Karen Bryan
    25 Mar 2015 | 11:09 pm
    When I decided to spend £240 on a Sony Xperia Z Ultra phablet (a mobile phone with a large screen), I thought it wise to take out mobile phone insurance. The best option appeared to be to open a Nationwide Flex Plus Current Account, which for a £10 monthly fee offers various insurance policies including both […]Making a Claim Through Nationwide’s Flex Plus Current Account Mobile Phone InsuranceHow to save money. Copyrighted content published on Help Me To Save.
  • Five Tips On How To Keep The Cost Down When Learning How To Drive

    Karen Bryan
    22 Mar 2015 | 11:00 pm
    Driving is a vital skill. It makes your life more convenient and it also opens up more job opportunities. However, it comes at a cost. From study materials to lessons and exams, you are sure to find yourself raiding the piggy bank. Don’t fear though, there are some ways to lessen the cost and here […]Five Tips On How To Keep The Cost Down When Learning How To DriveHow to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Credit Cards 101

    Lindsay Konsko
    30 Mar 2015 | 4:08 pm
    Quick quiz: What’s the difference between a credit card and a debit card? Why is it important to carry credit? How do credit cards work? Don’t panic if you don’t know the answers to these questions off the top of your head. The Nerds are here to explain everything you need to know about credit card basics. What is a credit card? A credit card is a tool that allows you to use borrowed money to pay for goods and services. It works like this: When you’re approved, the bank hands over a hunk of credit in the form of a plastic card to use at your discretion. In swiping your credit card,…
  • 4 Things to Do Before Buying a Home

    Tony Armstrong
    30 Mar 2015 | 3:57 pm
    As exciting as it is to buy a home, the lead-up can be a dizzying experience, especially for first-time buyers. But don’t fret. Breaking down the process into smaller steps can help ease your anxieties. Here’s a look at the kinds of questions you’ll want to ask yourself, as well as a few other practical tips. Judge readiness for responsibility Although the thought of homeownership is generally a pleasant one, the reality can be much more stressful. That’s why it’s crucial to ask yourself whether you’re really ready for the hassles of buying and owning a home. Gone will be the days…
  • How to Get Press Coverage for Your Small Business

    Benjamin Pimentel
    30 Mar 2015 | 2:20 pm
    Big Mama’s & Papa’s Pizzeria scored a publicity coup on Oscar night in 2014 when host Ellen DeGeneres ordered pizza from the small Southern California chain while the show was being broadcast live to an audience of tens of millions. It’s tough to match the exposure you’d get from being asked to deliver and serve pizza to movie stars during a TV show with a global audience. But don’t worry — there are plenty of easier ways to get the media to pay attention to your small business, giving you free marketing that could attract new customers, suppliers or even would-be investors.
  • How to Choose a Travel Credit Card

    Erin El Issa
    30 Mar 2015 | 9:27 am
    A good travel card earns you free trips, covers travel-related emergencies and doesn’t charge you fees overseas. But finding a card that offers all of these perks is can be challenging. If you know what to look for, though, you can sort through the array of travel credit card offerings and find one that best suits your lifestyle. Aim for high rewards and a signup bonus While we can appreciate the credit-building aspects of credit cards, we really love plastic for the rewards. Credit card rewards are available on many credit cards due to interchange fees. As a general rule,…
  • Best School Districts for Your Buck in California

    Kamran Rosen
    30 Mar 2015 | 6:00 am
    California boasts some of America’s top public schools and competition for homes in these districts can be fierce. Take Piedmont, considered by some to be the best district in the San Francisco Bay Area. The average home price in Piedmont, according to Zillow, is $1,737,900. In Southern California, every single one of the schools in La Cañada Flintridge earned a perfect 10 at the popular school rating website GreatSchools. To buy a home there, be prepared to spend an average of $1.5 million. Both of these communities are well out of reach of the average worker in California, who earns…
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    Card Hub

  • Credit Card Fraud: What It Is & How To Prevent It

    Debra Wei
    30 Mar 2015 | 9:01 am
    Financial scammers – especially those who are tech-savvy – are thriving in our digital age. Nearly 70% more Americans were impacted by financial data breaches in 2012 than in 2010, according to CardHub research, and $94 million worth of credit card fraud was reported in 2012. Credit card fraud can be classified into two different categories. One is a form of identity theft, which occurs when someone else impersonates you in order to open credit card accounts under your name. Alternatively, the other type happens your credit card or card information is retrieved to make unauthorized…
  • Common Tax Scams & Tips for Avoiding Fraud

    Liana Arnold
    25 Mar 2015 | 11:27 pm
    With Tax Day fast approaching, we’re all aware that our personal finances will be under the microscope for the foreseeable future. Unfortunately, not everyone parsing our private information will have the requisite authority to do so, as the history of tax fraud is just as long as that of taxes. In order to avoid the monetary loss, credit score damage, and inconvenience that are so often byproducts of tax malfeasance, consumers must understand not only what the most common types of tax fraud are, but also how to thwart them. Source http://www.cardhub.com/edu/tax-scams-and-fraud-prevention/
  • Pay Taxes with a Credit Card: Pros & Cons

    John Kiernan
    25 Mar 2015 | 5:00 am
    The IRS does indeed accept payment by plastic – a fact that leads many people to wonder about the viability of paying their taxes with a credit card. There are various arguments to be made both in favor of and against such a strategy, and we’ll do our best to lay them out below. Source http://www.cardhub.com/edu/pay-taxes-with-credit-card/
  • How to File for Chapter 7 Bankruptcy: A Step-by-Step Guide

    Richie Bernardo
    24 Mar 2015 | 12:37 pm
    Filing for Chapter 7 bankruptcy can be a daunting process for those who are going through it for the first — and hopefully last — time. But with adequate preparation and the proper guidance of a bankruptcy attorney, you can rest assured that the process will go without unexpected surprises. Generally, the entire Chapter 7 process — from filing to discharge — will last between three and six months. It is a much swifter affair compared to the three- to five-year timeline of Chapter 13 bankruptcy, in which debtors reorganize their debts. In a typical Chapter 7 case, you will make only…
  • Debt Collection Scams: What They Are & How To Protect Yourself

    Debra Wei
    24 Mar 2015 | 6:19 am
    Are you receiving demanding phone calls from debt collectors? And are you being threatened with a lawsuit? If your situation remotely resembles that of a loan shark hunting down its prey, then consider waiting before turning your wallet inside out – because there is a chance that you’re the target of a debt collection scam. Debt collection scams have grown more prevalent in recent years, catching thousands U.S. consumers off-guard. These schemes often involve fraudsters impersonating debt collectors to con individuals into repaying their “debts,” while simply pocketing the money…
 
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    CreditDonkey

  • Cashback Credit Cards: Chase Freedom vs Discover It vs Blue Cash Everyday

    30 Mar 2015 | 12:00 am
    Considering a cash back credit card? With so many options, it can be tough to narrow down the list of possibilities to a final choice. A good cashback card will help you earn money on what you spend on everyday purchases and necessities — and you get to put the cash you earn toward the occasional splurge.
  • Study: Best Baby Bouncer: 4Moms vs Fisher Price vs Tiny Love

    27 Mar 2015 | 12:00 am
    Choose the wrong baby bouncer and you could end up with a baby screaming his head off rather than snoozing to a lullaby.
  • What to Buy (and Not to Buy) in April

    26 Mar 2015 | 12:00 am
    You can find some great deals in April if you know what’s on sale and what to stay away from. Buying a house this month would be smart, as would purchasing some mulch. But steer clear of buying a ticket to paradise.
  • 23 Prom Night Statistics Every Parent Should Read

    25 Mar 2015 | 12:00 am
    We spend that much on prom night? Read on for 23 statistics every parent should read, including the dangers of prom night car accidents and date rape.
  • 23 Research-Proven Ways to Build Wealth in Your 20s

    24 Mar 2015 | 11:00 am
    Get in the habit of spending and saving wisely in your 20s and you’ll be on solid footing when you’re older. Go ahead and use our tips for how you can build wealth, starting now. You can thank us later.
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    Recent Blog Posts

  • Debt Owed by Contractor to Homeowners Was Fraud and Non-Dischargeable

    25 Mar 2015 | 12:47 pm
    As I regularly review court cases to keep up on the law, I often run into ones that provide a good way to help my readers understand some important aspect of bankruptcy. Today's blog post does this through a recent decision by the federal Ninth Circuit Court of Appeals, whose jurisdiction covers California and other western states. In Deitz v. Ford the court looked at whether Shawn Deitz, a building contractor, could discharge—legally write off—his obligation to Wayne and Patricia Ford, his customers, in Deitz' Chapter 7 case in spite of the Fords' allegations that he…
  • Avoiding an Administrative Freeze on Your Bank Account

    1 Mar 2015 | 12:14 am
    WHAT'S AN "ADMINISTRATIVE FREEZE" OF A BANK ACCOUNT? I discussed bank administrative freezes in a very recent article called Court of Appeals Allows "Administrative Freeze". If you have a checking or savings account at a bank or other financial institution and you file bankruptcy, normally your money in that account is protected from the blanket protection you receive under bankruptcy law against your creditors pursuing you and your assets. So usually that money is fully accessible to you after your bankruptcy case is filed. Indeed creditors are forbidden from trying…
  • Can Stores Enforce Their Credit Card Security Agreements in California

    16 Feb 2015 | 9:08 pm
    In a recent blog post I addressed the question, "Can Stores Repossess What You Bought with the Store Card?" The basic answer was that they can if their store credit card contract gave them a right to do so. In other words, the issue is whether the store's contract states that you give them a "security interest" in the items purchased—a right to repossess if you don't make the agreed payments on the card. So, if you bought a dining room table from Mor Furniture, and three months later you couldn't make the monthly payments, could the store repossess the…
  • Court of Appeals Allows "Administrative Freeze"

    28 Jan 2015 | 12:34 pm
    AREN'T CREDITORS USUALLY PREVENTED FROM TOUCHING YOUR BANK ACCOUNT ONCE YOU FILE BANKRUPTY? Yes. The powerful federal law called the "automatic stay" strictly forbids your creditors from garnishing your checking or savings account from the moment you file a bankruptcy case. In fact, "any act to collect, assess, or recover" a debt by a creditor is forbidden under the Bankruptcy Code. This applies to both Chapter 7 "straight bankruptcy" and Chapter 13 "adjustment of debts." BUT WHAT IF A CREDITOR HAS A JUDGMENT AND IS GARNISHING MY BANK ACCOUNT? It…
  • A Chapter 13 Plan Can Help You Deal with Secured Personal Property

    27 Jan 2015 | 10:38 am
    The Advantages under Chapter 13 of Dealing with Creditors Secured by Personal Property Collateral This last summer I wrote in this Bankruptcy Blog about "Reaffirming Personal Property Other Than Your Vehicle." It was about how to file bankruptcy and yet be allowed to keep the furniture, appliances, electronics, and anything else you bought on time or gave as collateral on a loan. That blog post focused on how this works in a Chapter 7 "straight bankruptcy" case. The bottom line was that if a debt was legally "secured" by the items purchased or the collateral…
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    The Penny Hoarder

  • 10 Unethical Jobs: Would You Work Any of These Gigs?

    Steve Gillman
    30 Mar 2015 | 10:00 am
    Decades ago, when I worked at a fast food restaurant, my boss asked me to put less than the advertised amount of meat on customers’ sandwiches, so the restaurant could meet certain efficiency goals. He also asked me to lie to the restaurant owners about these actions so they could believe we were meeting their efficiency goals by honest means. I refused — and didn’t last long at the job. Employers in any industry might present you with occasional ethical challenges. But some jobs, by their very nature, are more likely to present you with difficult decisions. And sometimes,…
  • Are You Paying for Mortgage Insurance You Don’t Need?

    Christine Edwards
    30 Mar 2015 | 3:00 am
    Are you throwing money away? If you have a mortgage, you may be giving away hard-earned money every single month because you didn’t send one measly document to your mortgage company. If your down payment was less than 20% of the value of your home, you’re likely paying for mortgage insurance in addition to the cost of your mortgage. When you’ve paid back enough money to get the mortgage value to less than 80% of your home’s value, the mortgage insurance premium should disappear from your monthly bill… but it doesn’t always work that way. Lenders don’t automatically cancel…
  • Buying a Home in Ohio or Florida? This Bank Will Give You $1,000

    Kristen Pope
    27 Mar 2015 | 12:00 pm
    Planning to buy a home this spring? One Cleveland-based bank has an extra incentive for you to do business with them when it’s time to take out your mortgage. Third Federal Savings is offering $1,000 to homebuyers who take out a mortgage through the institution. The catch? Your new home must be in Ohio or Florida. Also, it must be a new purchase (meaning you can’t get the $1,000 for refinancing your current home) and, of course, the mortgage needs to be through Third Federal Savings. While picking up and moving to Akron, Ohio, for $1,000 probably isn’t a great financial…
  • DIY Savings: How I Saved $5,000 by Building My Own Furniture

    Chris Ronzio
    27 Mar 2015 | 10:00 am
    When I bought my first house last year, I accidentally threw a hammer at my father-in-law’s head (true story). A year before, I sawed my toolbox in half as it was propping up a piece of wood I was cutting (it now opens in two ways). Yet, by some miracle, I’ve been able to save almost $5,000 by building my own furniture. Like a custom sofa table and desk: $1500 at Pottery Barn, but only $187 in my backyard. Or our new dining room table: $73 in materials, instead of $1650 at Ballard Designs. And it’s not just me… my friends are doing the same thing. Russ built his own outdoor furniture…
  • Love Red Robin? Here’s How to Save Money on Your Next Visit

    Kelly Clay
    27 Mar 2015 | 8:00 am
    During one of my first lectures in college, a professor was explaining his background and said something that would eventually become a driving force in my life: “Everyone should become a waiter or waitress. It teaches you more than college ever will.” During the next eight years, I waitressed at Red Robin — not necessarily because of what my college professor said, but because I was a stereotypically broke college student and then a victim of the recession. I started as a host managing to-go orders, then bounced around four different locations as a waitress. I opened, I closed,…
 
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    Learn Financial Education

  • How to Invest in Unit Investment Trust Fund (UITF) through BPI Express Online

    Gily Tenorio
    26 Mar 2015 | 4:42 am
    Before you invest in UITF, I have written an article about it several months ago. Just read it here before investing your money so that you can have better idea about this kind of investment. Most banks these days offer different types of investments such as mutual funds, insurance and UITF. In addition, BPI and Metrobank have their own stock broker company catering for those people who want to buy and sell stocks.   If you are decided to invest in UITF, it is easier to open an account if you already have a BPI Express online (EOL) account. If you have a BPI account and you want to…
  • How to Get Rich Quickly By Doing it Slowly

    Gily Tenorio
    13 Mar 2015 | 7:56 am
    In the light of recent events about One Lightning Corporation and EmGoldex Corporation, I just want to write something about this. All people who were recruited with these companies have one purpose in mind: to get rich quickly. It is not that bad exactly because they have legitimate reasons why they want to get rich. Perhaps, majority of them want to buy their own house and lot. Others maybe want to buy their dream car.   However, still many people don’t know how to get rich quickly by doing the other way: how to get rich slowly. Before returning to South Korea last month, I…
  • What are the Good Investments for 2015?

    Gily Tenorio
    31 Jan 2015 | 5:55 am
    Perhaps you are looking for a good investment opportunity this year and you are wondering where to put your hard-earned money so it can be more profitable. There are several investments that you can start with that requires small amount of money coming maybe from your savings and salary.   Before actually diving into the investment thing, you should also might consider this tip so that you will be prepared on what will be going to happen. This tip will just give you insights on what to expect from your investment.   There are many investments available today in the Philippines. If…
  • How to Share Your Blessings This Christmas and Beyond

    Gily Tenorio
    12 Dec 2014 | 5:12 pm
    Christmas is the time of the year when many people receive gifts, Christmas bonus and other bonuses you can imagine. It’s also the time of the year when more people share and give gifts to each other.   Mostly these gifts are in the form of money or material things. However, the best gift that you can give this season is the gift of love through any kind or form. It can be a service to your church or community, volunteering to an organization or your company and offering your talents to the less fortunate people like orphanage.   I would like to give you one recommendation on…
  • How to Spend Your Christmas Bonus the Smart Way

    Gily Tenorio
    28 Nov 2014 | 11:21 pm
    I assumed most of people working for a company have already received their Christmas bonus and 13th month pay. It’s one of the  great benefits as an employee.   When I was still working in the Philippines, I eagerly wait for that Christmas bonus to land on my payroll account. Who doesn’t want extra money in his pocket? I don’t know anybody.   Most people have already planned where or how to spend that money. Perhaps, most of you will buy a new gadget like a new smartphone or laptop. Some people may be planning to visit a good vacation place like Boracay or Bohol.
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    Bankruptcy and Student Loan Lawyers - 866.787.8078

  • Get Rid Of Your Debt Once And For All (Without Bankruptcy)

    JayFleischman
    30 Mar 2015 | 11:47 am
    No matter how deep your hole of debt, you want to keep bankruptcy as a last resort. If there’s a way out of debt that doesn’t involve a trip to a bankruptcy lawyer, that’s what you want to do. After all, bankruptcy costs money and takes time. You have to give up all sorts of financial information, and it doesn’t cover all types of debt. Most important, bankruptcy is a tool you can’t use all the time. Better to save your best option for last. Most of my job as a bankruptcy lawyer is to help my clients understand that I’m the last stop on the train, not the…
  • Announcing A New Podcast For Bankruptcy, Student Loans, Credit and Debt

    JayFleischman
    27 Jan 2015 | 2:00 am
    Sometimes you’ve got a question you need answered before you make the decision to hire a lawyer. Questions such as: Can I transfer property out of my name to protect it from a bankruptcy filing? Can I get a mortgage after filing bankruptcy? Can a school withhold my transcripts for not paying a student loan? Is it a good idea to have my parents co-sign for my student loans? How do I stop a debt collector from calling me? How long does negative information remain on my credit report? It used to be that you had two choices when you needed those questions answered – you could sit on…
  • 6 Questions To Answer Before Settling Your Debts

    JayFleischman
    20 Jan 2015 | 1:00 am
    I get dozens of questions each day from potential clients, but the top question when it comes to bankruptcy is this: Isn’t it a better idea to settle my debts instead of filing for bankruptcy? Sadly, there’s no right or wrong answer to that question. For some people, filing for bankruptcy makes the most sense. For others, debt settlement is the weapon of choice. Here are some of the considerations you should take into account when making the decision between filing for bankruptcy and engaging in debt settlement. How many debts do you have? If you’ve got only 1 or 2…
  • How To Deal With Private Student Loans When You Fall Behind

    JayFleischman
    14 Jan 2015 | 3:00 am
    If you’ve got private student loans, you’re more likely to fall behind on them than on your credit card debt. Given the way private student loans are structured, that shouldn’t be a surprise. Balances on private student loans tend to be in tens of thousands of dollars, and the notes often carry interest rates approaching those of a standard Visa or MasterCard. But with private student loans given out to people with little or no income and years of low earnings before they hit their financial stride, those debts are far more likely to fall into default. Because private…
  • Midland Funding – What You Need To Know About This Debt Buyer

    JayFleischman
    12 Jan 2015 | 3:00 am
    Midland Funding is a company that buys old credit card debts. But that’s just the tip of the iceberg. If you go past due on a credit card debt, it’s going to be sold to another company. That’s how credit card companies make their money – by selling old debts that they can’t collect on their own. The companies who buy old debts usually pay far less than face value for the account, so your $5,000 debt may be sold for as little as $500 depending on the exact nature of the account. Once the deal is done, the credit card company is out of the picture and only the…
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    John Rothe | Market Strategist, Portfolio Manager, Quant Guy, And Sometime Superhero To My Kids

  • Will The Collapsing US Macroeconomic Data Keep The Fed At Bay?

    John Rothe
    26 Mar 2015 | 8:13 am
    It is starting to feel like the release of any good economic data is being cheered on by an army of PR people nowadays. People are quick to point to the improving unemployment rate and the rise in housing data. But the reality is, economic data is still mixed and does not paint a rosy picture. Below are two data points that I think we should all be closely watching: The Deterioration In US Profits: Albert Edwards, global strategist at Societe Generale, has warned that investors are ignoring a “savage deterioration in US profits”. In his latest research piece he states: The downturn in…
  • Is It Time To Sell Equities?

    John Rothe
    11 Mar 2015 | 8:23 am
    From a trading perspective, this has been a frustrating market. For most of 2015 the markets have been stuck in a sideways trading pattern. Every time the market looks like it is going to break out (either up or down) of its trading range, we get a lackluster follow through and move back into a widening trading range. Investors don’t seem too committed at this point. Uncertainty about what the Fed’s next move will be, combined with the mixture of good and bad economic data, has many scratching their heads. All we can do at this point as active, technical traders is follow the…
  • Global Asset Allocation Strategy: March 2015 Update

    John Rothe
    3 Mar 2015 | 8:35 am
    Each month I post an update to my global asset allocation strategy. This strategy is a relative strength, ETF based model that allows us to better gauge how global investors are feeling about the strength (or weakness) in the global economy and markets. If you are not familiar with the strategy, here is a quick overview: “A Better Global Asset Allocation Strategy?” Strategy Performance In 2015 After a phenomenal January, the model gave back some of its gains as the market began to shift from a defensive posture to a more aggressive (and positive) outlook for equities. January 2015…
  • Riverbend Folios Are Here!

    John Rothe
    18 Feb 2015 | 4:45 am
    Have you noticed the markets are getting a bit more “bumpy”? Is it time to get your investment accounts organized before the markets take a major hit? Riverbend Folios Are Here! (click here to learn more) I want to share with you an exciting new launch: Riverbend Folios, actively managed portfolios designed for active markets. Riverbend Folios is an online platform that allows you to create a custom blend of our proprietary investment strategies. Our actively managed strategies have been guiding clients since 2006, and can benefit investors during volatile markets using: Actively…
  • Markets Are At An Interesting Crossroad

    John Rothe
    13 Feb 2015 | 8:36 am
    The US stock market has been stuck in a sideways trading range since early December. Now we are at a point where the next few trading sessions may decide the fate of the next few months. Some of the patterns that I have been watching during this time frame are starting to shift. If this shift in investor behavior continues, there may be an opportunity for investors to take early advantage of an emerging (and new) trading pattern. US Equities Money looks like it is on the verge of flowing more aggressively back into equities:   The weekly chart shows that the MACD is nearing a crossover…
 
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    Thirty Six Months

  • Learning to invest-Researching Stocks the Smart Way

    Marissa Anwar
    11 Mar 2015 | 2:00 am
    As a follow up to my rant a few weeks ago about women not investing, I figured I should put my blog with mouth is and at least have some simple instructions on how to get started. I am not a financial planner by any stretch of the imagination, but I have common sense and a somewhat informed sense of the basics. So please don’t sue and do your own research before you hand over your money to anyone. I am not promising that you will learn how to pick stocks or learn how to invest by reading this series. I am promising that it will give you the basic overview if you have never thought about…
  • Want to Become a Professional Traveller? Check this out! #TravelDreamJob

    Marissa Anwar
    8 Mar 2015 | 1:56 am
    Some of you might know that I’m currently in Europe working, and travelling with Eurail. Travelling is such a big passion of mine, and I know that not everyone else is lucky enough to be able to do that. In the spirit of sharing, I wanted to let you all know about this fantastic dream job that just came up! I can’t say enough good things about the travelling Eurail. It’s convenient and stress free. And let’s not start with how amazing it would be to travel across Italy. I’m currently in Naples (look for that post later on this week!), eating gelato, and pizza,…
  • 6 Great Tax Tips for Entrepreneurs and Freelancers (+ Giveaway)

    Marissa Anwar
    4 Mar 2015 | 4:07 am
    I love tax time. I know I say this all the time, but tax season is one of my favorites. And finding great tax tips of freelances is one of my favorite things to do. Not only because I truly enjoy getting my financial house in order, but because it’s a great way to see how I manage my income easily. While most employed people think doing their taxes is pretty simple and straightforward, entrepreneurs and freelancers see things quite differently. We’re thinking about taxes all year round. That’s just how things when you work for yourself. So whether you’re a consultant…
  • Three Ways to Earn a Passive Income

    Marissa Anwar
    1 Mar 2015 | 11:56 pm
    Few buzzwords and phrases related to building wealth have gained as much traction as “passive income.” A passive income refers to any earnings derived from any enterprise that the individual isn’t actively involved in, and they go a long way to making sure you’ve got a bit extra to retire on when the time comes. There’s a perception that passive income streams are something of a get rich quick scheme, but that couldn’t be further from the truth. It actually takes quite a bit of time, planning and money to create such a thing. If you think you’ve got what it takes, here are a few…
  • How to make your Resume Stand Out from the Rest

    Marissa Anwar
    28 Feb 2015 | 11:59 pm
    Applying for a new job is hard enough as it is, especially when you’re competing against multiple other applicants who may have exactly the same experience and prospects as you do. So how do you get one step ahead of these people? How do you compete? Below are some easy tips to follow to make your resume stand out from the rest. Gain Qualifications The best way to beef up your resume is with a broad range of qualifications that demonstrate diversity as well as a dedication to knowledge growth. However, everyone’s availability is different, and becoming a full-time student or spending…
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    Thirty Six Months

  • Learning to invest-Researching Stocks the Smart Way

    Marissa Anwar
    11 Mar 2015 | 2:00 am
    As a follow up to my rant a few weeks ago about women not investing, I figured I should put my blog with mouth is and at least have some simple instructions on how to get started. I am not a financial planner by any stretch of the imagination, but I have common sense and a somewhat informed sense of the basics. So please don’t sue and do your own research before you hand over your money to anyone. I am not promising that you will learn how to pick stocks or learn how to invest by reading this series. I am promising that it will give you the basic overview if you have never thought about…
  • Want to Become a Professional Traveller? Check this out! #TravelDreamJob

    Marissa Anwar
    8 Mar 2015 | 1:56 am
    Some of you might know that I’m currently in Europe working, and travelling with Eurail. Travelling is such a big passion of mine, and I know that not everyone else is lucky enough to be able to do that. In the spirit of sharing, I wanted to let you all know about this fantastic dream job that just came up! I can’t say enough good things about the travelling Eurail. It’s convenient and stress free. And let’s not start with how amazing it would be to travel across Italy. I’m currently in Naples (look for that post later on this week!), eating gelato, and pizza,…
  • 6 Great Tax Tips for Entrepreneurs and Freelancers (+ Giveaway)

    Marissa Anwar
    4 Mar 2015 | 4:07 am
    I love tax time. I know I say this all the time, but tax season is one of my favorites. And finding great tax tips of freelances is one of my favorite things to do. Not only because I truly enjoy getting my financial house in order, but because it’s a great way to see how I manage my income easily. While most employed people think doing their taxes is pretty simple and straightforward, entrepreneurs and freelancers see things quite differently. We’re thinking about taxes all year round. That’s just how things when you work for yourself. So whether you’re a consultant…
  • Three Ways to Earn a Passive Income

    Marissa Anwar
    1 Mar 2015 | 11:56 pm
    Few buzzwords and phrases related to building wealth have gained as much traction as “passive income.” A passive income refers to any earnings derived from any enterprise that the individual isn’t actively involved in, and they go a long way to making sure you’ve got a bit extra to retire on when the time comes. There’s a perception that passive income streams are something of a get rich quick scheme, but that couldn’t be further from the truth. It actually takes quite a bit of time, planning and money to create such a thing. If you think you’ve got what it takes, here are a few…
  • How to make your Resume Stand Out from the Rest

    Marissa Anwar
    28 Feb 2015 | 11:59 pm
    Applying for a new job is hard enough as it is, especially when you’re competing against multiple other applicants who may have exactly the same experience and prospects as you do. So how do you get one step ahead of these people? How do you compete? Below are some easy tips to follow to make your resume stand out from the rest. Gain Qualifications The best way to beef up your resume is with a broad range of qualifications that demonstrate diversity as well as a dedication to knowledge growth. However, everyone’s availability is different, and becoming a full-time student or spending…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: March 21-27, 2015

    Chris Mettler
    27 Mar 2015 | 7:57 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 March 21-27, 2015. American Express Seeks Stay of Ruling After recent ruling that declared Amex in violation of antitrust laws, American Express CEO announced it will appeal the ruling that could potentially ban Amex from continuing the practice of prohibiting…
  • No Strike Outs With the MLB BankAmericard Cash Rewards MasterCard

    Bethany Carlson
    24 Mar 2015 | 1:36 pm
    Spring has arrived, which means the weather will be getting warmer and summer is right around the corner. It also means that in just a few weeks one of America’s favorite pastimes will again entertain us over the next several months; baseball season. Major League Baseball (MLB) has grown from its humble beginnings in the late 19th century into a cornerstone of American culture in the present day. Professional baseball is broadcast live on television, radio and over the internet. MLB set the record for the highest season attendance of any sports league in the world with close to 74 million…
  • How Credit Cards Help With Tax Preparation

    Kari Luckett
    20 Mar 2015 | 12:06 pm
    Tax time is here and the deadline to file your taxes is now less than a month away unless you requested an extension. If you haven’t yet filed your taxes, you should really start gathering all those documents, receipts, and financial data. Many Americans will procrastinate filing their taxes, then at the last minute they will rush around to make the deadline. That approach just opens the door for potential costly errors and unwanted stress. You may also fail to take advantage of lucrative loopholes and deductions if you hurry the process too much, so the prudent thing to do – and the…
  • Credit Cards in the News: March 14-20, 2015

    Chris Mettler
    20 Mar 2015 | 7:15 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 March 14-20, 2015. Amex Partners with Well-Known Brands for Customer Loyalty Program American Express is partnering with a coalition of well-known brands for a customer loyalty program called Plenti. The program, launching this spring, includes companies like…
  • Pros and Cons of Paying Taxes With A Credit Card

    Jason Steele
    19 Mar 2015 | 5:08 pm
    There are several stages that savvy credit card users go through when they find out that they can pay their taxes with a credit card. Their first reaction is usually one of delight. Paying taxes with a credit card can initially appear to create numerous opportunities ranging from interest free financing to earning rewards. But then the second stage arrives, when taxpayers realize that there will be considerable “convenience fees” from using a credit card to pay their taxes. This fact will dash their hopes of getting a free loan or earning additional points, miles, or cash back…
 
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    Feeds : Dailyworth

  • I Achieved the American Dream — and It Was Awful

    24 Mar 2015 | 9:00 pm
    The year was 2008. I was 25, pregnant with twins, and very much in love. And we had just hit the quintessential American rite of passage: We bought our first home. The large, open floor plan beckoned us. Before the ink was dry, we’d bought a lawnmower, buckets of paint, and some new appliances. We were all in. We wanted to get as much done as we could before the babies came. A month later, my husband brought home a pink slip and the housing market died a fiery death — both results of the economic crash. Overnight, instead of a homeowner’s blissful daydream, the house became…
  • 8 Basic Money Lessons Everyone Should Know

    23 Mar 2015 | 9:00 pm
    Get Schooled Where should we learn how to handle money? School. But we don’t. Instead, what you know — or don’t know — about finances stems from a number of factors: how you were raised and what you learned from friends, financial advisors, a spouse, random Internet searches, and so on. Which leads to money habits that aren’t ideal. So we talked to the pros to find out what you should have learned in school. Here’s what they said. Learn: How to Think About Money Many people have complicated feelings about money — from being intimidated by it, to…
  • 10 Flexible Side Gigs to Bring in Extra Income

    17 Mar 2015 | 9:00 pm
    Because You Want More Making extra money is always a bonus. No contest. Even better? When you can do it in your pajamas or while binge-watching Broad City. Whether it’s because you can’t currently expect to make more at your day job or need an extra few thousand to pay off debt (or make a splurge or invest!), there are some surprisingly easy ways to get paid. Here are 10 simple side gigs to get you started. Be a ‘Middleman’ on eBay “When people think of making money on eBay, they usually think about selling the junk in their garage and basement, which of course offer…
  • Don't Make These 10 Common Money Mistakes

    16 Mar 2015 | 9:00 pm
    As a DailyWorth editor, I’m often asked for financial advice. By everyone. When people know what I do for a living, they instantly want to show me their student loan statements. They want my opinion on their 401(k) contributions. They ask what credit cards I swear by. I’m not a financial advisor, nor am I doing any credit card plugging. But I often encounter at least one, if not more, of the following financial pitfalls perpetuated by my professional sisterhood. Here are the 10 most common money mistakes I've seen. 1. You aren’t automating deposits to savings. Even…
  • 10 Tips for Saving on Your Next Mattress

    13 Mar 2015 | 9:00 pm
    Nobody wants to buy a new mattress — it’s a mundane process that can set you back anywhere from a few hundred to several thousand dollars. No wonder we’re all losing sleep. But a little-known fact is that you can negotiate the price. Here’s how. 1. Go in with the understanding that stores inflate the prices of their mattresses. You’ll likely be able to talk them down significantly. 2. Shop around. Markups vary from store to store, so get a sense of what other stores are offering so you can have the most leverage. 3. Mention that you like the mattress but…
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    Money Q&A

  • You’re Collecting Information You Are Not Using

    Hank Coleman
    30 Mar 2015 | 5:00 am
    We all understand that companies collect information on our behaviors, our shopping patterns and the like. But we collect data about ourselves, too. The problem is that we’re not analyzing much of it. And we’re missing a big opportunity to improve our lives and our finances. A friend was recently asking me about Fitbit. Most of my friends know that I’m a huge fan of Fitbit, those little pedometers on steroids, that help you monitor the number of daily steps you take and things like calories burned, food consumption, weight, sleep patterns and other health statistics. I love…
  • What is the Beal Conjecture / Who is Andy Beal?

    Hank Coleman
    25 Mar 2015 | 5:29 am
    Just how good at math is Andrew Beal? The answer to that question depends on which qualifier you’d like to use as proof of his skills. On the one hand, there’s the fact that he is worth several billion dollars. There’s the fact that a mathematical proposition called Beal’s Conjecture named after him. And, there’s the fact that he’s won the largest single game of poker ever, taking in eleven million dollars with the right cards. If you’ve never heard of Andy Beal, you can be forgiven. He’s a much less visible billionaire than Bill Gates or…
  • Do You Really Want to Retire Early?

    Guest Contributer
    24 Mar 2015 | 5:33 am
    The following is a guest post by Donny Gamble Jr. Donny is an online entrepreneur, author, and runs investing blog Personalincome.org.  If you’d like to submit a guest post on Money Q&A, please check out the site’s guest posting guidelines. Early retirement has been a hot topic lately. It seems that the new goal of many is to retire early and live out their lives on a beach somewhere. While that dream sounds great, retiring early isn’t meant for everyone. For starters, you have to be able to fund this dream of yours. With more than one-third of Americans not even saving…
  • All You Need To Know About Financial Spread Betting

    Hank Coleman
    23 Mar 2015 | 12:49 pm
    Financial spread betting is exciting, it’s potentially profitable and whilst it may take a lifetime to master, and it takes only a few minutes to learn how to play. Those are the headline plus points. Inevitably, there is more to this relatively recent innovation than this description alone, and it is worth knowing precisely what is involved before deciding whether or not FSB is appropriate for you. FSB was pioneered in the 1970s when it was originally set up as a vehicle enabling a small number of London brokers to bet on the price movements of gold. The advent of the internet and the…
  • Euro Dollar Exchange Rate Downhill To 1.07 For 2015?

    Guest Contributer
    22 Mar 2015 | 5:33 am
    It’s quarter of the year, March 2015, and all forecasts point to possible weakness ahead with the Euro Dollar Exchange Rate with the guys on Barclays, with a possible conversion rate of 1.07. The expectations of the analysts on the big boys from RBS, HSBC, Nomura and Morgan Stanley, are that the euro will actually suffer lows in the following year, or could we say current first quarter? Going into the facts, the EUR to USD exchange rate at the time of this article was written is 1 EUR = 1.068 and inversely at 0.9382. Being at it’s lowest of all times! An air of a fresh kickstarter…
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    Forex Weekly Technical Indicators Statistic Record

  • EUR-USD Technical Analysis 30 March 2015

    Meiji Jap
    30 Mar 2015 | 9:32 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: 30 March 2015 Time: 11:42 PM (+8 GMT) EUR-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD Down Up Down Down Full Stochastic Up
  • Oil Price Down when will it go up again?

    Meiji Jap
    29 Mar 2015 | 10:24 am
    Despite of the fact oil is one of the highest value of commodity being used in everyday of human life - still it is not an exception to escape from the fluctuation cycle. Just like any other cycle either it is economic cycle, currency values, interest rates, etc Oil is now facing one of the significant downtime after 6 years floating at average of USD $110 per barrel. As war raging in the
  • GBP-CHF Post Technical Analysis

    Meiji Jap
    18 Jan 2015 | 4:46 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: Time: Once i have witness it myself the unpredictable thing that happens in Forex history. After the swiss bank release its cap against the European currency any of the
  • EUR-USD and GBP-USD Technical (1 - 5 December 2014)

    Meiji Jap
    29 Nov 2014 | 5:00 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2Date: 29 November 2014Time: 8:05 PM (+8 GMT) EUR-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD UP UP DOWN DOWN Full Stochastic UP DOWN
  • Post Technical Analysis (16 - 22 Nov 2014)

    Meiji Jap
    21 Nov 2014 | 9:18 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2Date: 22 Nov 2014Time: 12:55 AM As expected all the pairs including EUR-USD, GBP-USD, USD-CAD, USD-CHF, USD-JPY, GBP-JPY, EUR-GPY, AUD-USD, etc are in the zone of turbulence this week due
 
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    Creative Money

  • Why you need Weight Watchers for your money

    Mindy Crary
    24 Mar 2015 | 10:45 am
    I recently had a conversation with my friend about Weight Watchers that went a little like this: Friend:  Ugh, I could never join Weight Watchers, I don’t want to share my feelings or weight loss trials in front of a bunch of people! Me: I would hate that too…I never share at the meetings I go to. Friend: I like doing things on my own. Me: Me too. Friend: I should be able to do this on my own. Me: I feel like that too… Friend:  So why do you go to Weight Watchers meetings? Me:  Because that hasn’t been true for me… and regardless of how I feel about meetings, Weight…
  • Want an extra $2,000? Here’s how to get it…

    Mindy Crary
    17 Mar 2015 | 2:08 pm
    Try this little experiment: Go back through a month of your credit card statement and your banking statement and answer the following two questions: How many times did you eat out? How many times did you go to the grocery store? I’m not especially frugal myself, but I am organized.  I know generally how many times I should be grocery shopping every month (1-2x per week) and how many times should be eating out (2-4x per week).  Knowing these numbers keeps me relatively on track in terms of spending. Therefore, it’s shocking to me to see a family eat out upwards of 25 times per…
  • Which is your financial loophole?

    Mindy Crary
    10 Mar 2015 | 3:34 pm
    Gretchen Rubin, author of The Happiness Project has been posting about loopholes, because she  has made a study of loopholes as part of her research for her next book, Better Than Before, about habit-formation.    When we try to form and keep money habits, we often search for a financial loophole, for justifications that will excuse us from keeping this particular habit in this particular situation. However, if we catch ourselves in the act of loophole-seeking, we can perhaps reject them. The 10 Loopholes Here are the explanations of Rubin’s 10 Loopholes and how I see them relating to…
  • 8 simple steps to finding a top notch business coach (while avoiding the scammy ones)

    Mindy Crary
    3 Mar 2015 | 4:35 pm
    Years ago when I was first launching my practice, I hired a business coach based on a referral. My coach made wildly attractive claims, telling me he was well-networked in my city, and even went so far as to say, “I’ll send you so many clients, you won’t know what to do with them.” The coach was charismatic and I wanted to buy what he was selling: effortless success.  Did my coach deliver on his promise? Um…Sort of.  He gave me a business plan that I was too green to challenge and make my own. He also sent me one client. In hindsight, I recognize the promise to fill my office…
  • The couples and money roundup

    Mindy Crary
    24 Feb 2015 | 2:20 pm
    All couples argue, but what are couples fighting about the most? According to a 2012 survey from the American Institute of CPAs, money is the most common reason married or cohabiting couples fight. Of over 1,000 American adults polled, 27 percent of participants said that disagreements over finances were most likely to erupt into an argument — not children, chores, work or friends. The survey also found that couples average three arguments a month about financial issues. Researchers believe that the conflict may stem from failing to discuss money on a regular basis. Fifty-five percent…
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    Three Thrifty Guys

  • How the Road to Debt Freedom is Filled With Boring Decisions

    Charlie
    30 Mar 2015 | 2:00 am
    In 2007, after reading Dave Ramsey’s Total Money Makeover, my wife and I decided to start putting our family on the road to freedom from debt. We want to live an extra-ordinary life. We wanted to live like no one else, so we could later live like no one else. Que the radio show intro! With motivation in hand, we had about $25,000 in student loan debt and about $145,000 in mortgage debt. Not a lot by most peoples’ standards, but it was all future commitments that our family was obligated to pay. $170,000 in future commitments to be exact. Fast forward eight years, with only $75,000…
  • Integrity in Finances

    Matthew
    27 Mar 2015 | 5:21 am
    Writing this post is going to cost me. I did the calculation today, actually. It’s going to cost me $7. It’s not for an internet fee (TTG pays that). It’s not for the Dr. Pepper I had to drink to stay up late to write it (that was $1.27 at QuickTrip). It’s what I owe the United States government after the dust settles and I add this “Other Income” to the amount of money I make for the year. Now, hopefully I will make more than $8 for writing this post (this is not a subliminally shady indirect ask for a raise…or is it???) so there will be a net income for me. However, I was…
  • How to Setup the Ooma Wireless + Bluetooth Adapter

    Charlie
    20 Mar 2015 | 4:54 am
    As I’ve invested a lot in my Ooma home phone service, I decided to stack up my investment even more, and get the Ooma Wireless + Bluetooth Adapter. I want to have the flexibility to put my base phone unit anywhere in the house. The Ooma Wireless + Bluetooth Adapter with USB connection allows me to be able to make this move. As I unboxed and demonstrated in the setup video, here are a few things you need first. Requirements: Ooma base unit Network cable Computer Phone and analog cable As the Quick Start Guide that is included with the unit explains, it is extremely easy to setup. The…
  • Groupon Coupons Review

    Ruser
    18 Mar 2015 | 5:20 am
    Groupon made a name for itself with its deal-of-the-day discounted gift certificates. With Groupon Coupons, the company now has a more traditional way to save. Groupon Coupon is free to use: it has thousands of coupons from thousands of retailers, available to anyone with no upfront cost. But the name “Groupon Coupons” is a bit of a misnomer. The site says it has over 55,000 coupons from over 8,000 retailers, but many — if not most — of these “coupons” are just descriptions of current sales.  For example, as of March 17th, the site lists 66 total coupons for Target but 47…
  • Important Steps to Home Ownership

    Aaron
    16 Mar 2015 | 8:56 am
    This post is written and sponsored by U.S. Bank. So, you’re ready to make the big leap into home ownership? Good for you. Home ownership can be a great experience and holds a number of tangible and intangible benefits. But first, you need to actually buy that property, which, especially if this is your first home, can feel more than a little complicated.  Understanding the mortgage process Since a home is arguably the biggest purchase you’ll ever make, being prepared is key to having a successful experience. Doing some homework ahead of time – specifically on mortgage…
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    Nerd's Eye View | Kitces.com

  • Why I Do Not Believe The SEC Should Create A Uniform Fiduciary Standard For All Brokers And Investment Advisers

    Michael Kitces
    30 Mar 2015 | 4:01 am
    With 2015 shaping up to be a potentially significant year for fiduciary regulation, recent comments by SEC chairwoman Mary Jo White suggests the SEC will soon begin to consider how to draft rules that could subject broker-dealers to a similar fiduciary standard as the one that applies to investment advisers. Most likely, this would occur by creating a “uniform fiduciary standard” that would apply equally to both groups, given that the lines between the two types of “financial advisors” have blurred to the point that consumers no longer understand the differences. Yet the reality…
  • Weekend Reading for Financial Planners (Mar 28-29)

    Michael Kitces
    27 Mar 2015 | 11:45 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the big announcement that traditional insurer Northwestern Mutual has bought out "robo-advisor" LearnVest for a sum reported to be more than $250M in cash, though it's not entirely clear whether Northwestern is looking to grow and adapt LearnVest's fee-only financial planning business model, or simply adopt LearnVest's unique technology, including a consumer Personal Financial Management (PFM) app and financial planning software, internally for Northwestern's own agents and…
  • LearnVest Sells (Out?) To Northwestern Mutual – Successful Robo Sale Or Just Another FinTech PFM Software Deal?

    Michael Kitces
    26 Mar 2015 | 7:50 am
    The first quarter of 2015 has been a record-breaking flurry of merger and acquisition activity in the world of financial advisors, not just amongst advisory firms buying each other, but with acquisitions of the technology companies that serve advisors. In fact, 2015 continues to shape up as a breakout year for advisor FinTech. The latest news is this week’s announcement that “robo-advisor” LearnVest is being acquired by traditional insurance company Northwestern Mutual for an undisclosed sum. Yet for all the buzz about the robo-advisor movement, the reality is that LearnVest’s…
  • Qualified Charitable Distributions From IRAs Have Lapsed Again For 2015 But May Be Reinstated Again – Defend By Doing Them Anyway!

    Michael Kitces
    25 Mar 2015 | 4:01 am
    While the Internal Revenue Code does allow those who donate funds to charity to receive an income tax deduction to offset a portion of their income, in practice the two rarely offset perfectly. Income is counted “above the line”, increasing Adjusted Gross Income and impacting a wide range of tax credits and deductions, while charitable contributions only apply for those who itemized deductions in the first place and face further charitable contribution deduction limits. As a result, there is often some “tax slippage” between the two. In recent years, retirees who have “more than…
  • Crafting An Annual Client Service Calendar To Illustrate A Financial Planner’s Value To Prospective Clients

    Michael Kitces
    23 Mar 2015 | 4:01 am
    In a relationship-based service business like financial planning, a lot of work goes on behind the scenes to provide value to clients. On the one hand, this is the whole point of hiring a financial advisor – to delegate at least some of that work to a professional – yet at the same time, when much of the service work becomes invisible “shadow work”, clients may not fully appreciate how much is really done on their behalf. For existing clients, bringing the shadow work out of the shadows can be as simple as tracking and documenting all the service work done throughout the year, and…
 
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    Epic Finances - Investment Blog

  • Looking to Invest in Annuities

    Carmello
    24 Mar 2015 | 3:00 am
    Saving for retirement means putting as much money away as possible and placing it in different, diverse investments in order to protect it best. When it comes to many of these investments, including employer-sponsored 401(k) plans, individual retirement accounts (IRAs) and so forth, many plans have contribution limits that make them a bit restrictive. Not to say that they aren’t a great way to put money away, because they are, but if you’re looking for a less restrictive investment option, annuities are definitely a great choice. Two of the most common contract types of annuities…
  • Vanguard Group is Now the Driving Force in the ETF market

    Carmello
    17 Mar 2015 | 3:00 am
    Because of the flexibility that they give investors, letting them buy and sell at any time during the trading day, Exchange-traded funds or ETF’s have become extremely popular among traders as well as long-term investors. While Vanguard Group used traditional mutual funds to build its reputation, of late it has become one of the driving forces in the ETF market and is now the number 3 provider of ETFs, challenging their competition with their big emphasis on keeping costs low. Indeed, the company offers over 50 ETFs and, since they offer them on a commission-free basis, the enticement…
  • Pros and Cons of Choosing an Investment and/or Advisor

    Carmello
    10 Mar 2015 | 3:00 am
    Let’s face it, you can certainly hire a financial advisor to help you choose your investments, but most of them sell high-priced investments on commission or charge incredibly high fees for managing your assets. If you’d like to avoid those charges and fees, below are some of the pros and cons of 4 types of investments and/or advisors so that you can make the choice yourself. Enjoy. #1: Asset Allocation Funds These are designed to be a type of “one-stop shop” where you can get everything from bonds and stocks to alternative investments like commodities and real estate.
  • 9 Things you Need to Know about Investing in Bonds

    Carmello
    4 Mar 2015 | 3:22 pm
    If you’ve ever wondered what bonds actually are, how they work, and whether or not they’re a good investment choice for you, today’s blog will give you the Top 9 things you need to know so that you can make an educated choice. Enjoy. #1) Bonds are issued by large companies and oftentimes the government Large companies, the federal government and state governments issue bonds as a way to raise money to fund or finance a specific project. Basically what you’re doing is loaning them your money for a specific period of time and, in return, you get the loan back plus interest.
  • Why Index Investing is an excellent investing strategy

    Carmello
    25 Feb 2015 | 4:01 pm
    Index funds, at their most basic, are mutual funds that copy a specific market. For example, some index funds copy the US stock market, others the US bond market and some copy the international stock markets. There are quite a few different index funds tracking different markets all over the world but they all have the same basic goal; match their return to that particular market. While some might believe that index investing, which is a type of passive investing, only allows someone to achieve average returns, the fact is that index investing has been shown to outperform many active…
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    cheapbohemian

  • Not Pictured: 16 Years and Change

    Lisa Schamess
    30 Mar 2015 | 6:34 pm
    I have stood at this window more than six thousand mornings. Gil and I took possession of this house just yesterday, in May 1998, a day that poured rain. When we woke the next morning, the first sound we heard was the raucous augury of crows, nesting in a half-dead tree we hadn't noticed out back.I came down to investigate. Through this window, I saw a sanitation truck lurching past, the trash workers tossing in the wet boxes from our move. They followed behind the truck on foot, patting its iron flanks to forge onward, crying, Hey-up! I drank my tea and tried to fathom how we'd own this…
  • In the Practice of Her Calling

    Lisa Schamess
    24 Feb 2015 | 5:16 pm
    My mother was a nurse, and it defined her life. She fought her parents to become one, put herself through school without their money. They believed nursing was beneath her. All those bedpans. All that blood and stink. But my mom, who created doll hospitals in the backyard and ministered to stray cats and dogs all her childhood, marched herself to nursing school in 1949 and never once looked back.I looked back for her. Playing at the back of her closet, I would lift the lids from two hat boxes to reveal her enticing separate selves before marriage: in one, the glad girl’s turquoise pillbox…
  • The Angel of the House Has Left the Building

    Lisa Schamess
    29 Oct 2014 | 6:51 pm
    Here is all I know about the day my mother left:I wasn't alive. For as long as I could remember, the family had told hilarious stories of hijinks and mayhem that did not involve me. They always went something like this:Older sister: Mom, Dad, remember that time when we had all those jars of pennies, and we counted the pennies, and there were so many that we had enough for all four of us go to Six Flags together?Mom: Of course!Dad: That was so fun!Older brother: Haha, yeah!Me: When was that? I don't remember.Everyone in unison (turning to me): YOU WEREN'T ALIVE.I was six years behind my…
  • 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…
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    The Savvy Scot

  • Cutting Back on My Basic Spending

    savvyscot
    13 Mar 2015 | 12:16 pm
    Click HERE for Part 2 I want to start this post by saying that the cupcakes that I blogged about making yesterday were a massive success! Although it did take me two full hours and a lot of energy! I know it is not polite to give kudos to your own cooking, but the cupcakes were unreal!! All credit goes to The Alchemist who kindly confirmed today that it was OK for me to display her recipe. After reading Nelson’s recent post about plagiarism over at Financial Uproar  which is targeted at another PF blogger (I won’t name and shame) it prompted me to send an email of to check with…
  • I Can’t Believe It’s March Already!

    savvyscot
    3 Mar 2015 | 1:02 pm
    It seems like only a few days ago I was writing a January update post… where the heck did February go? February was an EXPENSIVE month for me. Within a four week period, I have to contend with the following – Mum’s Birthday Valentines Day Mrs Scot’s Birthday Mother-in-laws Birthday Car Insurance Renewal Paying for Summer 2013 Holiday I don’t think it will come as a surprise after reading the above list that we didn’t manage to save much. I still managed to invest all the income from SavvyScot in Stocks and Funds towards my goal of generating a Passive…
  • Moneystepper’s 2015 Saving Challenge

    Pauline
    17 Dec 2014 | 10:05 pm
    Fancy a new challenge in 2015? Want to save more money and become wealthier? If you do, Moneystepper.com may have just the thing for you. The Moneystepper 2015 Savings Challenge is a free community where participants in the challenge are working together to accelerate their climb up the steps to financial freedom. So, how does it work? Well, the general idea is that each member of the challenge will work towards two annual goals: % Increase in Net Wealth Savings Rate % Let’s have a look at these goals in a bit more detail.   % Increase in Net Wealth Net wealth is one of the most…
  • 10 things to know before you get a Great Dane

    Pauline
    8 Dec 2014 | 2:05 pm
    Little Napoleon, the cutest Great Dane to ever walk the Earth, has been with us for a few months now, and in an attempt to see how to keep him happy and healthy, I have learned quite a bit that I wanted to share if you are considering a giant breed.   They are huge I know, duh. He was so tiny as a puppy he fit in the motorcycle pannier to get home, but I think he will get almost as big as the entire motorcycle. The average height of a Great Dane is around 90cm, 180cm if they stand, and the average weight 120lb. That is a small adult! Think about it when it is time to go on a road trip or…
  • A word about helping and gratefulness

    Pauline
    7 Dec 2014 | 10:13 pm
    Lately, I have lent my old car, a beaten up Suzuki Samurai from the end of the last century, to a couple of Airbnb guests. I have always been into sharing what I have, be it on Couchsurfing or Freecycle or just with random strangers. I am in a remote location and public transportation is not ideal, so it was kind of necessary to ensure guests remained happy. And now that I have two cars, it is not such a big deal. The first person stayed at my place for a week, and used the car heavily. I didn’t charge him a penny, so was at least expecting a clean car and full tank in return. He gave it…
 
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    I Need Money

  • Identifying the Risks that Can Cost your Business Money

    admin
    29 Mar 2015 | 1:12 pm
    Whenever you establish your business start-up, you must factor in a number of fixed and variable costs that will impact directly on profit margins. While many of these are relatively obvious and even universal across multiple business types, there are also additional, ad-hoc costs that can arise during the course of running a venture. These costs can arise due to a number of factors, whether you consider changes to the law or negligence of health and safety regulations. It is therefore crucial that you recognise the risks that are inherent to your business, understanding both their potential…
  • Selling your Home: How to Choose the Best Option

    admin
    22 Mar 2015 | 1:40 pm
    The global property market has continued to boom during the first financial quarter of 2015, with house prices rising in 31 of the world’s 41 established sectors. This is certainly creating a sellers’ market, although the rising demand for property is making it proportionally harder for home-owners to distinguish their houses. Although there are a number of options available to home-owners in the current market, your choice must be informed and dictated by trends, demand and your own personal circumstances if it is to deliver rewards. 3 Options for selling your Home: Making an Informed…
  • How to save Money on your Car Insurance

    admin
    21 Feb 2015 | 1:22 pm
    The cost of car insurance has risen slightly in recent times, and this may come as a surprise to some motorists in Europe and the UK. It may also cause considerable consternation, as rising insurance premiums can hit consumers hard and force them to spread their disposable income further than it can comfortably stretch. Even if you can cope with an increase in your monthly financial outlay, it is important to make provisions and attempt to reduce costs where possible.   3 Ways to cut the cost of Car Insurance   With this in mind, what proactive and practical steps can you take to…
  • Can Car Leasing help you to free some Cash?

    admin
    19 Feb 2015 | 1:20 pm
    Thanks to increasingly affordable fuel and an improving economy, the new car sales market has grown at a considerable rate in the last eighteen months. This is also represents a global trend, with growth in the U.S. matched by the UK and Europe.   While buying a new car may be increasingly accessible for citizens, however, it does not mean that this is necessarily the best course of action for every single set of circumstances. For those with an average income and a lack of permanent job security, leasing a vehicle can be far more cost-effective.   How does Car Leasing help you to…
  • Where to Source a Used Vehicle for Business Purposes

    admin
    17 Feb 2015 | 1:19 pm
    The state of the economy is likely to serve as a key battle ground in the upcoming general election, with the Conservatives holding a distinct edge due to their sterling work in the last two years. From austerity to widespread growth, the coalition government has created a prosperous economy where small and medium sized businesses can thrive over a prolonged period of time. While businesses can look forward to a successful future should the Conservative party be re-elected, however, they will still need to be proactive and look to reduce costs where possible.   Where to Source a Used…
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    Zoho Blogs

  • 9 Quick and Easy Tips Every Zoho Docs User Should Know

    Chinmayee Mishra
    30 Mar 2015 | 11:01 am
    Remember how when the year started, we were all geared up with exciting new resolutions! From kickstarting driving classes to joining the salsa dancing class or going backpacking around Europe – we had it all set. I did too. My goal was to help my users be ‘uber-productive’ this year! Yes, my resolution was to help you spend less time figuring out stuff and more time doing it right. And if your goal was to be more productive this year – here’s a shot in the arm to keep you going. Laid out below are the 9 best productivity tips from Zoho Docs to help you save time…
  • What Makes a Poor Candidate Experience? How You Might Be Losing Top Talent and Potential Customers

    Austin Ries
    30 Mar 2015 | 9:00 am
    Before we can reach our terminus of enlightenment for the “ultimate candidate experience,” our pilgrimage requires a pit-stop in the land of the bad, the depraved and the nefarious. Here we will leap into the turbulent waters of ​long and complicated job applications, and pore over characteristics of candidate experiences so awful that people spread the word like tent-revival evangelists. Don’t worry, we won’t stay here long. No, our final destination is far from this land. Our purpose here is simple. In order to overhaul the way candidates interact with your…
  • 5 easy ways intelligent triggers can increase your sales conversions by automating website visitor engagement.

    Ambi Moorthy
    27 Mar 2015 | 10:00 am
    Measuring and understanding how engaged your website visitors are is key to increasing sales conversions. I’m sure you audit visitor engagement through a monthly website analytics report. But that still gives you only data from the past, not actionable insights in real-time “Action is the real measure of intelligence” – Napoleon Hill. What if you could take all intelligence from your visitor information and act on it in real-time? That would be quite impressive indeed. Let me take you through a bunch of examples to help you understand the potential of Zoho…
  • When Uncle Sam Pays You Back: Tax Refund Statistics for 2015

    Krupa Subramanian
    27 Mar 2015 | 9:37 am
    For some of you, your tax season headache is over for 2014. For those who have received a refund or are ​expecting one, Uncle Sam is rewarding you for your hard work and dedication. Did you think about what you are going to do with your refund? Are you planning to splurge and take a fancy vacation or simply play it safe by saving and investing? We’ve put together an infographic of the tax refund statistics of 2015. This infographic covers the total number of refunds issued this year, what Americans plan​ to do with their refunds and suggests some of the best and worst ways to spend your…
  • This food-delivery startup guy just got serious about social media marketing (​and why you should too!)

    Praval Singh
    25 Mar 2015 | 9:00 am
    After we released Zoho Social last month, I’ve been talking to a lot of customers, replying to love and hate emails, helping them set up their accounts and what not. It’s fun helping small businesses get better at social media marketing! Last weekend, I was looking forward to meeting someone at my favorite cafe. No, this wasn’t about work. It was about food! A young entrepreneur who started a food-delivery business right after he graduated got in touch with me over Twitter. He said he was meeting some foodies in the city over the last couple of weeks and wanted to meet me to talk about…
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    Money Estate - Personal Finance Tips Blog

  • Top Tips for Managing Your Business’ Finances

    Money Advisor
    26 Mar 2015 | 3:54 am
    Efficient financial management is key to running a successful business enterprise. It is an essential vehicle for both survival and growth, and is fundamental to orchestrating the most effective use of resources, gaining competitive advantages, and maximising your profit margins. But what, exactly, does the concept refer to? Financial management involves planning, organising, controlling and […]
  • A Brief Guide to Investing

    Money Advisor
    11 Mar 2015 | 4:41 am
    Many of us have little to no experience when it comes to investing; we think that it’s something we probably should do, but we’re not sure of how to go about actually doing it. The sheer number of savings and investment options on the market doesn’t help matters – in fact, it only serves to […]
  • Use These Tips to Reduce Personal Debt

    Money Advisor
    26 Feb 2015 | 9:54 pm
    Each year, countless personal money managers use the first quarter to assess their finances. The New Year represents a fresh start, so January, February and March lend themselves to financial health checks, which can be quite revealing. Unfortunately it isn’t always good news, especially considering the season. Christmas spending comes due during the first quarter, […]
  • Relocating your Business Venture to London: The Pros and Cons

    Money Advisor
    20 Nov 2014 | 2:40 am
    In recent times, the London property market appears to have decoupled from the rest of the British economy. More specifically, it has managed to maintain steady growth and consistently high property prices while other regions have floundered, and this trend gather further credence in 2014 as the value of London real estate peaked. There are […]
  • How do I find my pension?

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

  • 5 Ways to Earn an Extra $500 Per Month From Home

    Alexa Mason
    25 Mar 2015 | 1:15 am
    Making money from home is such an awesome feeling. It’s great to be able to contribute to your family’s financial situation from the comfort of your home. And it’s also great that there are online jobs that will fit just about every single personality. If you’re looking to make some extra cash here are five ways to make an extra $500 per month from home! Become a Search Engine Evaluator Search engine evaluators are hired by search engines like Google to verify the accuracy of certain search engine results. These jobs typically pay around $10-$12 per hour which would mean you’d need…
  • How to Make Your Job Prospects a Golden Opportunity

    Robert Farrington
    25 Mar 2015 | 1:05 am
    Gold – in our own ways, we’re all digging for it. Back in the good old days, prospectors flocked to California for the promise of shiny nuggets. And although they largely left with nothing more than a few flecks of dust as a souvenir, some hit it big – these former peasants were now monocle-wearing millionaires. Nowadays, prospecting for success has a far different face. We’re not searching for gold, per se. We’re hunting for that one golden opportunity, a job that will send us racing to the top of the career ladder. But unlike the olden days, you don’t have to sieve through…
  • 5 Ways to Make Money Spring Cleaning

    Alexa Mason
    18 Mar 2015 | 1:15 am
    As of today there are only two more days left until spring and I could not be more ready. After I-don’t-know-how-many feet of snow this year, the white blankets on the ground are finally starting to melt off and the temperature is slowly but surely rising. (Fifty five degrees is feeling pretty darn good!) And if you’re anything like me this type of weather makes you go into spring cleaning mode. Instead of throwing your old stuff in the trash I want to show you the five best ways you can spring clean and make money! Sell Your Old Cellphones As I was going through my belongings I found not…
  • 10 Ways for Kids to Make Money

    Alexa Mason
    11 Mar 2015 | 1:15 am
    Kids pick up on money management at an extremely young age. That’s why allowing your child to earn her own money and spend her own money can be one of the greatest financial gifts you can give. Take my six year old daughter for example. She has been saving every dollar she’s earned for more than a year. She was near $150 last month and decided it was time to go and buy an American Girl Doll bed. (The knock-off kind from Target, of course.) That’s the item that she had been saving for all along so I took her to Target to let her spend her money. When we got there she meticulously looked…
  • Get Out of the Debt Rut – With the Little Things

    Robert Farrington
    5 Mar 2015 | 12:41 pm
    Your finances are a wreck, bills swarm your letterbox and your bank balance is prone to panic attacks – it’s time to sort your cash out. Yet, gaining some satisfaction in your bank balance is a mean feat. It takes time, patience and the type of self-control that’s usually reserved for Franciscan monks. But there are tons of ways to stem that haemorrhaging cash flow – all you have to do is cut back on the small stuff. With that in mind, we’ve come up with a load of ways to put a cork on your cash to stop it brimming over. Have a look. Know your post Underestimate effective mail…
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    PFhub - Business, Financial & Economic News

  • YouTube Launching Twitch-like Streaming Service

    Angela Kaye Mason
    26 Mar 2015 | 11:11 am
    In 2011, a service called Twitch was launched, which was similar to Justin.tv but instead just honed in on gamers. It has quickly become one of the biggest video platforms and communities for video game enthusiasts. YouTube now wants a piece of that market. The Google-owned video sharing juggernaut is attempting to launch its own […]The post YouTube Launching Twitch-like Streaming Service appeared first on PFhub - Business, Financial & Economic News.
  • Payday Loan Lenders Watch Out, CFPB is After You

    Andrew Moran
    26 Mar 2015 | 10:51 am
    After talking the tough talk on the payday loan industry, the Consumer Finance Protection Bureau (CFPB) is now walking the tough walk after it released a series of rules for the sector. CFPB director Richard Cordray is scheduled to outline a proposed regulatory framework Thursday aimed at payday lending businesses. Ahead of the news conference, […]The post Payday Loan Lenders Watch Out, CFPB is After You appeared first on PFhub - Business, Financial & Economic News.
  • Google Inc. Under Fire With Leaked FTC Report

    Kaitlin Longmire
    23 Mar 2015 | 10:48 am
    Google Inc. (NASDAQ:GOOG) has come under fire numerous times by competitors in court due to its alleged monopolistic behavior. Google has denied the use of any unfair means while conducting its business. However, according to a recently leaked report by the Federal Trade Commission (FTC), Google Inc. is guilty of indulging in monopolistic behavior, as […]The post Google Inc. Under Fire With Leaked FTC Report appeared first on PFhub - Business, Financial & Economic News.
  • Burger King Cologne Will Have You Smelling Like a Whopper

    Andrew Moran
    23 Mar 2015 | 10:44 am
    April Fool’s Day is upon us, a day when many newspapers, brands and companies pull pranks and jokes on an unsuspecting general public. Is the latest publicity stunt and public relations move from Burger King nothing but a prank? One of the most popular fast-food joints in the world announced Friday (via Associated Press) that […]The post Burger King Cologne Will Have You Smelling Like a Whopper appeared first on PFhub - Business, Financial & Economic News.
  • Sony Unveils its Latest Cord-cutting Service ‘Vue’

    Andrew Moran
    19 Mar 2015 | 7:37 am
    Will conventional cable companies become extinct in the next several years? If the trend of cord-cutting expands and a greater number of organizations unleash streaming services then perhaps everything we know about the traditional television-viewing experience may become obsolete. Case in point, Sony recently launched Vue, an Internet television service that features 55 channels, including […]The post Sony Unveils its Latest Cord-cutting Service ‘Vue’ appeared first on PFhub - Business, Financial & Economic News.
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    Slave to LenderSlave to Lender | The Rich Rule Over the Poor...

  • How I Plan to Get Out Of 56,000 in Debt in One Year

    Tony
    8 Mar 2015 | 4:25 pm
    Getting out of Debt in One Year It is often said that story really happens when a character in the story identifies something that he/she wants and overcomes obstacles to get it. Think of the epic stories that you really identify with..the ones that leave you rooting for the character to get the girl/guy/job/etc. These are the stories that I dream about. This is the type of story that I want to live out in my life. What is is that I want? To be free from debt and also to be fully self-employed. There are some other things that I really want out of my life and in the life of my family, but I…
  • When You Think You Hit Bottom

    Tony
    13 Feb 2013 | 4:45 am
    If you’re anything like me, you have busted some serious butt to dig yourself out of debt. Maybe you have been extraordinarily successful in doing so, maybe you’re still on the journey. Either way, you know what it is like to work your tail off, only to have old Murphy move into your spare bedroom. In our journey of debt freedom, this has happened more times than I care to count. We have made great strides in our strategy of killing debt…Then, IT happens. Often it is something that we couldn’t really have predicted, like unexpected medical expenses in an otherwise very…
  • The Places I’ve Been

    Tony
    16 Jul 2012 | 7:00 am
    I’m writing to catch you up on the places I’ve been… Working, for the most part. The past several months have been filled with numerous hours of overtime, airplane trips, and beginnings of a new ministry. In the industry in which I work, busy seasons runs from about Easter until New Year’s day. There are good points and some not-so-good points to this. The main good thing is that essentially, I can work as much overtime as I want. The bad side is that I can work as much overtime as I want. For the past several years, this season has provided for my family in some…
  • Six Budget Trimming Ideas

    Tony
    9 Mar 2012 | 6:30 am
    Six Budget Trimming Ideas People on the journey to debt freedom are always looking for ways to trim the fat from their budgets. There are plenty of line items in my own budget that are due to get on a diet. For many people, these budget fattening items vary from daily expenses to monthly bills that are just really not necessary. Trimming these not-so-necessary items from your budget will do a few things. First, they will create margin for you. You won’t stress so much about getting your debts paid off because you’ll actually have extra cash to throw at them! Second, you’ll begin to get…
  • As a Dog Returns to His Vomit

    Tony
    8 Mar 2012 | 6:30 am
    As a Dog Returns to His Vomit As a dog returns to its vomit, so fools repeat their folly.  – Proverbs 26:11 Have you ever seen a dog throw up and then return to lick it up? For me, this has to be one of the more interesting behaviors of dogs. I mean seriously, I have gotten sick a handful of times in my life and I’ve never had the compulsion to slurp it back up. Gross enough for you? It is for me! But, I’ve been prone to returning to my financial vomit over the course of my life. Evidently the taste isn’t so bad that I cannot stomach returning to my own financial vomit. As a Dog…
 
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    Wealthy Turtle

  • Never Go Food Shopping With An Empty Belly

    Mike Collins
    30 Mar 2015 | 6:16 am
    This article is part of Money Saving Mondays, a regular series devoted to sharing simple, actionable tips that you can use right away to start saving money immediately. My wife does most of the big food shopping trips for our family by herself.  She finds it easier and faster to just go alone during the week without the kids (and husband) in tow.  But fairly often she asks me to swing by the supermarket and pick up a fresh veggie for dinner or something we’re running low on. I don’t mind making a pit stop at the Stop and Shop on my way home from work, but these trips can be…
  • Just One More Reason I Love Amazon

    Mike Collins
    27 Mar 2015 | 8:19 am
    When people have a bad experience with a company, they’re all more than happy to complain about it to everyone they know both in real life and on their social media profiles. But few people take the time to congratulate the companies who get customer service right, so I’m going to take this opportunity to give one of my favorite companies some props for a job well done. I’m a loyal Amazon customer who has spent thousands of dollars at the site over the last decade or so and I’ve only experienced one customer service snafu…which was immediately rectified when I…
  • The Creative Income Savings Account Challenge

    Mike Collins
    24 Mar 2015 | 6:01 am
    A few months ago J. Money from Budgets Are Sexy wrote about his efforts to save money by challenging everything and keeping all those savings in a separate account.  He’s keeping it separate to demonstrate the power of cutting recurring expenses and to keep him motivated to keep saving and making that balance grow. Well, I’ve really enjoyed reading his monthly updates and seeing how much money he’s socking away and it’s inspired me to tweak his idea and do something similar. The difference is that instead of trying to cut expenses and save money, I’m starting…
  • Borrow Books From Your Libary

    Mike Collins
    23 Mar 2015 | 6:15 am
    Today’s Money Saving Monday tip is pretty simple: start borrowing books from your local library instead of buying them. I love reading and do it pretty much every day. My home office has shelves full of books and I love looking for new ones to read. But reading can be an expensive habit so I no longer buy every book that piques my interest. These days I only buy the books I really want to add to my collection, and I borrow the rest from the library for free. My town’s library is pretty small but it still has thousands and thousands of books to choose from.  Plus, they have a…
  • Breaking the “College for Everyone” Mindset

    Mike Collins
    21 Mar 2015 | 12:29 pm
    I’ve seen far too many young people graduate college with tens of thousands in dollars in student loan debt and still struggle to find full-time work, so when I had an opportunity to grab a free review copy of “Job U” from BloggingForBooks.org I couldn’t resist. Written by Nicolas Wyman, CEO of the Institute for Workplace Skills and Innovation, Job U is an ambitious book that aims… “…to change the entire conversation about what the right path to a rewarding and prosperous career can look like: the conversation going on at company headquarters, in…
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    Bank On Yourself

  • Can You Put a Lump Sum into a Bank On Yourself Plan?

    Pamela Yellen
    18 Mar 2015 | 12:55 pm
    This is the fifth installment in our series of answers to the most-asked questions we got on our recent “Ask the Bank On Yourself Advisors” online event. This question is about whether you can pay a larger amount of premium into a Bank On Yourself policy in the early years, to supercharge the growth. The answer is “yes,” and the big advantage is that it allows you faster access to a higher amount of cash value that you can use for a variety of purposes. Here are three common situations where people do “lump sum” funding of their plans… Situation #1:…
  • Is it Too Late? Am I Too Old to Benefit from Bank On Yourself?

    Pamela Yellen
    5 Mar 2015 | 11:39 am
    One of the most-asked questions we got on our recent “Ask the Bank On Yourself Advisors” live online event was when is it “too late” to start a Bank On Yourself plan? A number of people said things like… I’m only 10 years away from retiring. Can I still benefit from this?” In most cases, the answer is “yes.” In fact, one of the Advisors who presented during the event walked us through a case study of a couple who became Bank On Yourself policy owners at the ages of 59 and 60. Is it too late for a comfortable retirement? I started my own…
  • Can you Roll Over your 401(k) or IRA into a Bank On Yourself Plan?

    Pamela Yellen
    20 Feb 2015 | 9:40 am
    One of the most-asked questions we got on last week’s “Ask a Bank On Yourself Advisor” live online event was… “Can I roll over funds from my 401(k)/IRA/403(b)/TSA into a Bank On Yourself plan – and what are the tax consequences?” This is actually a common method people use to fund a Bank On Yourself plan. Here’s how a retirement plan rollover works… Any time you’re funding a tax-deferred plan – like a 401(k), IRA, 403(b) or TSA – you will pay taxes on your withdrawals. There’s no getting around that. But if you haven’t…
  • How Sequence of Return Risk Can Devastate Your Retirement Lifestyle

    Pamela Yellen
    29 Jan 2015 | 8:41 am
    There are three words that could have the biggest impact on whether you enjoy a comfortable retirement… or you have to struggle and forego life’s luxuries – and even life’s necessities. But almost no one is talking about these three words. And there’s a good chance you’ve never even heard of them. These three words could have more impact on your retirement lifestyle than living longer than you expected… or than being forced to retire sooner than you planned (which happens to nearly 50% of Americans, according to the Employee Benefit Research Institute).
  • Slacker’s Guide to Goal Setting

    Pamela Yellen
    20 Jan 2015 | 11:31 am
    Many of us spend half our time wishing for things we could have if we didn’t spend half our time wishing.” – Alexander Woollcott It’s still early in the year and time to set our bright and shiny new goals for the next twelve months, often with the grand title of “New Year’s Resolutions.” Give me a break! Aren’t we busy and stressed enough just trying to keep up with where and what we are without the added effort of trying to make our lives better? Why waste our time going after goals when we can put our feet up and watch new episodes of The Good…
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    Smarty Cents

  • The Best Apps to Save Money When Shopping

    alissaharb
    30 Mar 2015 | 12:39 pm
  • How Do Small-Business Credit Cards Work?

    alissaharb
    30 Mar 2015 | 2:00 am
    By opening business credit cards, small-business owners can appear more professional, gain access to more working capital to fund their operations, and streamline their record keeping system. If you’ve started a money-making venture, even if it’s just providing a service, look into opening a small-business credit card to expand your financial possibilities. Who Qualifies? Small-business credit cards are different than corporate cards in that small-business cards are tied to an individual, rather than a company. Corporate (as opposed to small business) cards are issued to large businesses…
  • 4 Essential Ways to Arm Yourself Against Data Theft

    alissaharb
    27 Mar 2015 | 2:00 am
    Now more than ever, identity theft is not only a realistic fear, but it actually happens all the time. In fact, according to a 2014 Javelin Strategy & Research report, there is a new identity fraud victim every two seconds. Yep, you read that correctly. Hopefully the institutions you trust with your financial and personal information will do their due diligence to protect you, but in all ways, it is your responsibility to protect yourself to the best of your ability. Here are several ways to protect yourself from financial data theft. 1. Take your passwords seriously. Yeah, it’s…
  • 7 Ways to Win a Home Bidding War

    alissaharb
    25 Mar 2015 | 2:00 am
    Today’s higher home prices and tighter housing inventory mean greater competition for consumers and real estate investors. And that competition often results in a home bidding war that sends the sale price soaring way above the list price. More sales are being financed, too, increasing the number of potential buyers for any home—and since fewer homes are on the market, this makes a bidding war all the more likely. In November 2014, the National Association of Realtors reported that all-cash sales had dropped nationwide to 25 percent of all existing-home sales for the month, which…
  • 15 Ways to Save Big on Wedding Expenses

    mvanmeter2015
    24 Mar 2015 | 2:00 am
    No need to
 
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    Investment Fraud Attorneys | Hermann, Cahn & Schneider, LLP

  • Can a Stock Broker or Investor Be Sued?

    Stock Market Loss
    9 Mar 2015 | 9:33 am
    This article was originally posted on Stock Market Loss Losing money in the stock market is not unheard of; many investors may even expect it. However, some investors may find that the loss they experience is not necessarily due to the market, but is instead a product of the stock broker’s conduct. When this happens, the investor can sue the stock broker to recover some of his or her losses. How to Sue a Stock Broker An investor can try to sue a stock broker for a variety of reasons, for example, unsuitable investments, unauthorized trading, and misrepresentation. While the investor may…
  • Reverse and Home Equity Conversion Mortgages

    Stock Market Loss
    9 Mar 2015 | 8:36 am
    This article was originally posted on Stock Market Loss A home equity conversion mortgage, also known as a reverse mortgage, is a federally regulated type of loan available to people over the age of 62. A reverse mortgage permits borrowers to convert the equity from their homes into cash while maintaining ownership of their homes. It may be a good option for seniors who find they are holding a large amount of equity in their homes but are short on cash. These types of loans are created and controlled by the U.S. Department of Housing and Urban Development. The loan is issued to the borrower…
  • How to File a Loss Deduction on Your Income Taxes if you were the Victim of Investment Fraud

    Stock Market Loss
    17 Feb 2015 | 8:34 am
    This article was originally posted on Stock Market Loss Unfortunately, investment frauds and Ponzi schemes are on the rise in this country.  In times of economic hardship, these conspiracies often victimize the most vulnerable in our society. However, as the federal income tax deadline looms, victims of investment fraud may be able to deduct their losses from their yearly tax bill owed to the Unites States government. Theft Loss Deduction The Internal Revenue Service allows tax deductions for casualty or theft loss related to your home and items within the home on your federal income tax…
  • HC&S Partner Hugh Berkson Quoted in National Press Regarding FINRA’s Biased Arbitrator Pool

    Jay Salamon
    5 Feb 2015 | 3:12 pm
    This article was originally posted on Stock Market Loss An article in Barron’s last week entitled “The Street’s Due-Process Joke” reports that investors who sue their brokers must accept an arbitration process run by officials appointed in an inscrutable manner. The author describes FINRA as a “a secretive, combative, industry-controlled, self-regulatory organization” and notes that some accuse FINRA of having a biased arbitrator pool selected through a secretive process. Our partner Hugh Berkson, Executive VP and President-Elect of the Public Investors Arbitration Bar…
  • HC&S Partner Hugh D. Berkson Selected to Serve as Executive Vice-President and President-Elect of the Public Investors Arbitration Bar Association

    Jay Salamon
    15 Jan 2015 | 12:18 pm
    This article was originally posted on Stock Market Loss It’s always nice to have one of our lawyers receive national recognition from our peers in the investor advocacy bar. Thus, we’re pleased to announce that Hugh D. Berkson, one of our team members in Hermann Cahn & Schneider’s Stockmarketloss practice group, has been named Executive Vice-President and President-Elect of PIABA, the Public Investors Arbitration Bar Association. PIABA, an international bar association boasting more than 400 members, was established in 1990. Its website (www.piaba.org) states, in part, “The…
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    DINKS Finance

  • Would You Take a College Do Over?

    Kristina
    30 Mar 2015 | 2:00 am
    Good morning Dinks.  This year marks the 10 year anniversary of my college graduation.  I can’t even believe it but I graduated from college in December of 2005.  It seems like a lifetime ago, but at the same time I remember it like it was yesterday. What have you accomplished since graduation? So much has happened since I walked that stage with my diploma in hand: I’ve had nine different jobs (some overlapping and two of my own), I’ve moved twice, I got my certified financial planners designation and I’ve gone back to school twice to study business law and…
  • Weekly roundup: Debt, NYC and Waffles

    Kristina
    27 Mar 2015 | 2:00 am
    Good morning Dinks.  I don’t know about you, but I’m ready for the weekend.  Sleeping in and waffles is what’s on my agenda over the next two days.  If the weather continues to cooperate maybe I’ll get outside and go for a walk…maybe. I probably shouldn’t admit this but there are some weekends that I never leave my apartment.  I’m OK with it, but it seems to shock other people.  I like to get all my errands done during the week so I can truly have the weekends to myself.  Is that weird? Have a great weekend and enjoy these good reads from our…
  • Save money with these home renos

    Kristina
    26 Mar 2015 | 2:00 am
    Good morning Dinks.  It’s officially spring, well it is on the calendar anyways, and that means it’s prime time for the real estate market.  Home owners around the country are getting their homes ready to be put on the market and hopeful home buyers everywhere are looking for their dream home. Are you looking to buy or sell a home this spring? I have a friend who put her condo on the market back in January and she didn’t even have a visit until mid March.  I’m not sure if she just listed it at a bad time, if it’s overpriced or exactly why it’s not…
  • The time I almost broke up with my boyfriend

    Kristina
    25 Mar 2015 | 2:00 am
    Good morning Dinks.  As always I’m being a little bit dramatic, I didn’t actually almost break up with my boyfriend of fifteen years, but we did have a discussion about his recent financial decision.  Last week my boyfriend Nick bought the new Samsung Edge smart phone for $650.  Actually he pre-ordered the phone and it should be delivered by mid April. How do you handle financial decisions in your house? When you and your spouse have different views on how to spend money how do you decide what to do?  I have to say Nick’s purchase wasn’t without warning, he did…
  • What I learned from my taxes

    Kristina
    23 Mar 2015 | 2:00 am
    Good morning Dinks.  I just finished my taxes.  Yes that’s right I spent Friday night doing our taxes and it gave me a huge headache.  I finished our taxes, took two Tylenol, watched Shark Tank and went to bed at 10 pm.  Yes I know you’re jealous of my extremely exciting life. You probably want to know if Nick and I are getting a refund or if I owe money; the truth is I don’t know yet.  When I say I did my taxes I should actually say that I prepared my taxes.  On Monday I’m going to take all my receipts and total income and expenses to my accountant for filing. I…
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    rVoice | rplan

  • Why Diversifying is Important

    23 Mar 2015 | 12:25 pm
    All investors worry about risk. The secret to managing it effectively really does lie in that old adage about not holding all your eggs in one basket. Diversification is crucial to investors who don’t want to end up in a yolky mess. In practice, that means holding different asset classes in your portfolio of savings and investments. The reason for doing so is that in normal times, asset prices move independently of one another and for different reasons. For example, equity returns rise and fall in line with investors’ expectations about the performance of companies, while bond
  • Rplan is a chart topper

    23 Mar 2015 | 4:54 am
    Everyone likes a bit of praise from time to time, so when we asked an independent research agency to look into the platform sector, we crossed our fingers that rplan wouldn’t fare too badly. Fortunately, our silent prayers have been answered – rplan is the best platform in the business according to Moneycomms, the independent analyst that did the work for us. Now, cynics will naturally raise an eyebrow. But we can honestly say that while it was rplan that commissioned Moneycomms to do this work, we left its researchers completely free to work out how to do the analysis and to get
  • What's in a Name? Decoding Fund Names

    17 Mar 2015 | 9:44 am
    If you’re new to investing, you may find the vast choice of fund options and names a bit confusing. With quite a lot of investment jargon, along with unfamiliarity to the different types of investments and fund managers on the market - could you recognise and understand the type of fund just by looking at the name? Fund names have been created to show you a short summary of their investment aims, lengthy though some of them may seem. In some cases you will notice a number of the words have even been abbreviated to make it shorter (which often causes more confusion), while other
  • Income vs Growth

    2 Mar 2015 | 6:36 am
    Are you investing for income or growth? That is, do you need your investments to generate a regular income that is as high as possible, or are you focused on generating as large a capital sum as possible for the future? These are deceptively simple questions. For one thing, many investors want both income and growth from their investments. Also, many of the assets you might traditionally associate with one objective or the other can be just as useful for the opposite purpose. Income Funds In order to provide a stream of income to investors, fund managers usually look for
  • The 5 Investment Books Everyone Should Read

    23 Feb 2015 | 8:32 am
    There’s no single right way to invest: different approaches suit different people and different circumstances. But before you can work out which approach is right for you, it’s important to think about all the options – to get to grips with the basic debates in investment and where you stand on them. In the age of the internet, it’s easy to assume that every last bit of information you need is online. But some of the most engaging and enduring advice on investment is to be found in books published well before the web came along. Here’s five all-time classics that will give you the
 
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    Wallet Hub

  • 2015’s March Madness By The Numbers

    John S Kiernan
    13 Mar 2015 | 2:23 pm
    Posted by: John S Kiernan Can Kentucky go 40-0? Will a 16 seed finally take down one of the top dogs? Could the likes of North Florida or UC Irvine finally find their glass slipper? There are plenty of intriguing questions that remained to be answered as the 2014-15 NCAA Tournament approaches. And as March Madness grips fans across the country – burning billions of dollars in corporate productivity and inciting an estimated $12 billion in betting globally – plenty of eyeballs will be tuned into the action, perhaps explaining why plenty of sponsors have their wallets open as well.
  • St. Patrick’s Day By The Numbers

    John S Kiernan
    11 Mar 2015 | 2:59 pm
    Posted by: John S Kiernan Shares in Diageo (DEO) – the London-based owner of Guinness – may be down in recent months, but plenty of us will be raising pints and garbed in green come March 17th. Despite its religious undertones, St. Patrick’s Day ranks among the calendar’s biggest drinking days, when the more than 33 million Irish-Americans and their compatriots around the world combine cocktails and cabbage all in the name of the Emerald Isle. Unfortunately, these good times are too often ruined by drunk driving incidents – which can have a devastating impact on both your life in…
  • 2015’s Best Tax Blog Contest – Voting Complete

    Matei Nicolae
    1 Mar 2015 | 10:20 pm
    Posted by: Matei Nicolae It’s time to find the Best Tax Blogs the Internet has to offer! WalletHub’s Editors have identified 50 finalists, from industry titans like TurboTax to one-man dynamos like the Tax Girl. Now it’s your job to vote. Tell your friends, alert the neighbors and show us why your favorite website deserves the title of 2015’s Best Tax Blog. Voting will run from Monday March 9 through Monday March 23. Only one vote can be submitted per blog. The results of the contest will be announced on Tuesday March 24. Voting is now complete, and the final results are displayed…
  • Valentine’s Day By The Numbers

    John S Kiernan
    12 Feb 2015 | 11:00 pm
    Posted by: John S Kiernan Valentine’s Day is the third largest consumer holiday in the United States by amount spent, with the roughly $19 billion we shell out in Cupid’s name each year coming in just behind the $20 billion spent on Mother’s Day and the $602 billion we devote to the winter holidays. So, whether you love or hate this holiday (or if you even think it’s a holiday to begin with), there is no denying the role of St. Valentine on our nation’s economy. With that in mind and to help people embrace that loving feeling in a manner that’s safe for their wallets, the personal…
  • Major League Bullies: Teams Seek Hypocritical Trademark Ruling

    Odysseas Papadimitriou
    9 Feb 2015 | 3:08 am
    Posted by: Odysseas Papadimitriou Can a Major League Baseball team own the alphabet?  MLB seems to think so, as it has been on a two year mission to block WalletHub’s application for this trademark:.  Why would a professional sports league care about the logo of a financial services company, you might ask? Good question.  The league alleges that WalletHub’s logo could easily be confused with the registered trademarks of the Washington Nationals and the Chicago Cubs.  But aside from the fact that none of their marks look anything like the WalletHub logo(and very few people would…
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    Student Loan Calculator, Pay off student loans | Student Loan Hero

  • Debt and Mental Health: Are Student Loans Making You Depressed?

    Melanie Lockert
    26 Mar 2015 | 4:00 am
    At the height of my student loan journey, I was paying $900 per month towards my student loans while struggling to find work. All of a sudden, everything I had worked so hard for in school started to feel like it was out of reach. I wondered if my debt would ever pay off. At […]
  • 6 Easy Ways To Improve Your Credit Score That You Can Start Today

    Jeffrey Trull
    23 Mar 2015 | 4:00 am
    If you’re like the average credit user, you’ve probably made a few credit mistakes in the past. Maybe you forgot to make a payment once, and a late payment showed up on your credit report. Or perhaps you got a little too carried away spending on your credit card in college (something I know from […]
  • Student Loan Grace Period Over? 5 Things You Should Do Next

    Jeffrey Trull
    19 Mar 2015 | 4:00 am
    Your student loan grace period is like spring break for your loans. There’s nothing you need to worry about during this time, and barring other concerns, your financial life should be fairly stress-free. But once the period ends, reality sets in. The end of your grace period means that it’s time for you to begin […]
  • 7 Top Student Loan Calculators That Do Money-Saving Math For You

    Jeffrey Trull
    17 Mar 2015 | 9:28 pm
    You might have hated taking math in high school and wondered why you had to continue studying the subject in college (or why crazy people like me take three semesters of calculus). Yet, while you might not use it in your career, math is necessary at times. One of those times is repaying your student loans, […]
  • For-Profit Colleges: What You Need to Know Before Taking on Student Loan Debt

    Jeffrey Trull
    15 Mar 2015 | 9:21 pm
    Usually when you compare colleges to select one, you look for a few key features: cost, majors offered, and the possibility of financial aid, among others. But now there’s another feature that you might want to investigate: whether the college is for-profit. Unfortunately, being for-profit might be a feature that you want to avoid in […]
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    Everyday Financial Strategies

  • My Debt Free Anniversery

    Robert
    30 Mar 2015 | 2:38 am
    This year marks our five-year anniversary of being debt free (consumer debt). The question is, would we do it again if we could go back? Is it worth it? The answer is yes times 100! Although being debt free (except for our mortgage) took discipline and sacrifice, it allowed us to give, save, and spend money more freely. Our net worth has quadrupled simply because instead of sending payments to a bank, we send them to our 401ks and IRAs. Our nine-year old has two years of college funded and our 6-year has one year funded. Not having payments has allowed us to put money into their 529 college…
  • Are You Sleeping Through Your Personal Finances

    Robert
    23 Mar 2015 | 3:38 pm
    Sleeping through your personal finances is a good recipe for ending up broke and in debt. Not paying attention to money coming in or going out demonstrates a lack of diligence. Proverbs 10:4 says, “Lazy hands make for poverty, but diligent hands bring wealth.” If you are going to win with money, then there are some things you must pay attention to. When I say “win with money,” I mean being able to do the following without the stress of worrying about debt and paying your bills: Give money to charity or to people that need help. Save money for retirement and purchases. Spend…
  • How to Make Financial Planning Goals

    Robert
    20 Mar 2015 | 4:42 am
    How do successful business people make things happen? How do successful athletes make things happen? How to successful leaders make things happen? The answer is goal setting. Success I could go on and on with goal setting in various occupations, but hopefully I made the point. Goals determine what you consider success. This concept is no different when it comes to personal finance. Setting realistic financial planning goals will help you stay on track for where you want to go or how successful you want to be. Becky (my wife) and I set financial goals at the beginning of each year and review…
  • 10 Steps to Financial Freedom

    Robert
    16 Mar 2015 | 4:15 am
    Financial freedom sounds as easy as losing a hundred pounds. But, both can be accomplished if done step by step. Following ten simple steps will get you to financial independence. As a financial coach and a coordinator of Dave Ramsey’s Financial Peace University, I find that families can get overwhelmed with steps while getting out of debt and doing all the financial tasks that one is supposed to do such as having the proper insurance in place and knowing what investments to pick for retirement. I am not a detailed person, but I am process oriented, meaning that I like to follow…
  • Three familiar financial problems, Which do you want to overcome?

    Robert
    9 Mar 2015 | 4:10 am
    What are your financial problems or challenges? Which one of these bugaboos are preventing you from  winning with money? As a financial coach, I have encountered many different issues and challenges from clients, however, they usually fall into one (or all) of three common issues and challenges. Just because I am a financial coach and I handle my finances well does not mean I am not susceptible to the same issues and challenges. In fact, I have struggled with all at times. The most common financial problems people face are the ability to save money, control spending, and giving. Basically,…
 
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    Modest Money

  • What is the Return on Investment of a Financial Education?

    Adam
    30 Mar 2015 | 8:12 am
    Countless studies show that Americans are not financially literate. For the most part. It’s easy to harp on this topic, ranting doom and gloom despair. But it’s time to look the reality of this situation in the face and make a change. Financial illiteracy makes individuals much more vulnerable to exploitation and poverty, weighs down the world economy, and leads to misery and discontent. This isn’t about all about money. It’s about people, possibilities, and the future. The problem is, most people aren’t going to learn this stuff from their parents. They also won’t take a class on…
  • The Life Insurance World is a Changin’ – Better Get Ready for The Ride

    Adam
    27 Mar 2015 | 6:15 am
    For more than a century, life insurance was one of the most static businesses in existence. This is partly because the very nature of life insurance is extremely basic. The consumer pays a certain amount each year in premiums, to provide a windfall for their dependents in the event of their death. And the entire flow was largely controlled by the insurance companies. But fundamental changes are sweeping through the life insurance industry, and changing the very nature of the business. In most respects, the consumer is now in the drivers seat. That should be good news, not only for…
  • Does Philanthropy Help You Create Good Customer Relationships?

    Adam
    26 Mar 2015 | 3:15 pm
    In today’s competitive business world, it is important that customers feel connected to your company to encourage loyalty to your brand. Philanthropy helps foster a feeling of good will and camaraderie that cannot be matched with mere words. Philanthropy is action that helps people and communities become better and stronger places to live, work, and grow. It can foster innovation that can lead to benefits for people well beyond the initial circle of beneficiaries. Some businesses do not have a large public presence due to the nature of the business they are. All too often these sorts of…
  • The Place of Forex Trading in a Diversified Portfolio

    Adam
    26 Mar 2015 | 12:15 pm
    Forex trading is something you see a lot in the personal finance blogosphere. So I think it’s important to write about, to explain the ins and outs, and help my readers make educated decisions when stepping into Forex investment. For those reading about this for the first time, Forex is short for “foreign exchange” and officially refers to the trade of one currency for another. The two currencies will have been issued by different national governments. On the large scale, governments swap currencies to make trade deals, and because currencies gain and lose value every day, one side of…
  • 8 Characteristics of Successful People

    Adam
    26 Mar 2015 | 6:15 am
    Have you ever looked at Steve Wynn’s profile and wondered what makes him and other entrepreneurs so successful? While there’s not a one-size-fits-all solution, there are a number of characteristics that many successful people share. By learning how successful people think, you can start becoming more successful in your own career, too. They’re excited about what they’re doing and they think of money after they think of creating. Making a difference starts with action; if you build a quality product or service, money will follow. You can’t expect people to pay for what you offer…
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    Take A Smart Step

  • How to Prepare for Maternity Leave When You are Self Employed

    Andrea
    10 Mar 2015 | 12:00 am
    I love being self employed. I love setting my own schedule, making my own decisions and controlling my future. My husband fielding calls from clients a couple hours after our son was born in the hospital room – NOT a great part of being self employed. Business does not seem to care if you want to take a maternity leave, or for that mater get the flu or go on vacation! Yet, there are things you can do to prepare your business and your finances for your maternity leave. We will look at this from two directions – the finances part and then the business management part. Preparing Your…
  • Small Business Tax Deductions

    Andrea
    24 Feb 2015 | 12:00 am
    It is that time of year again where we all have taxes on our minds.  One of the most frequent questions that I get around taxes is what exactly can I deduct? A few things pop into my mind when I think about small business tax deductions.  Since they really don’t have a “theme” to them this is going to be a generic small business deductions chat. This Topic Sucks Yes you read that right this is the un-fun, boring, dreary part of running a business.  There is simply no way for me to spice this up, although I will try in one of the topics below! With that said, it is…
  • Your Problem is Not Lack of Financial Education

    Andrea
    10 Feb 2015 | 6:20 am
      Financial education- we all know we need more, we don’t teach it and education is the key to having financially wise people. I am here to say – bullshit!   Financial education is every where- trust me I have been trying to compete in this space for 8 years now.   Education is not our problem.   Lack of self responsibility and taking action is our problem.   Your finances are a mess not because you can’t find information on them but because you are not ready to own the fact that you are the reason they are not working and that you are the one who…
  • Morning Ritual for Mom Entrepreneurs

    Andrea
    3 Feb 2015 | 12:02 pm
    Every entrepreneur wants to find ways that can improve their effectiveness and keep themselves sane. One such way to do this, and is currently a very popular topic, is the morning ritual. I am a big fan of the morning ritual.  It is the reason I can function in the morning! However, there is one thing that most of the people talking about the morning ritual skips right over. And that is how a mom entrepreneur, especially if the kids are elementary age or younger, can actually manage to pull off a ritual on a regular basis. The standard advice is that you just need to wake up early, but every…
  • Four Steps to Ensure You Achieve Your Resolutions

    Andrea
    27 Jan 2015 | 10:04 am
    As we find ourselves at the end of January (seriously where did it go, I just finished Christmas!), you may find yourself wondering if you will be able to tackle those goals and resolutions that you set for yourself. This is the time where the motivation starts to slip and we begin to slide back into our regular routine. The problem with this is your business and personal finances could really the attention that your resolution was going to provide. It is all too easy to let our finances slip behind in priority again – after all we have plenty of time to get around to them!  And there…
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    NerdWallet News

  • Roth IRAs: So Much More Than a Retirement Account

    Advisor Voices
    30 Mar 2015 | 12:28 pm
    By Andrew Comstock (438) Learn more about Andrew on NerdWallet’s Ask an Advisor The Roth IRA is a popular way to save for retirement, and with good reason — its flexibility before and after retirement makes it an ideal savings method for many Americans. While saving for retirement is the best use of a Roth, there are some other options that make it a powerful lifelong financial tool. One of the key advantages is that contributions to a Roth IRA are made with after-tax money, so you don’t have the same restrictions as a traditional IRA. You can always withdraw your contributions tax- and…
  • At Tax Time, What Do You Do If You Owe the IRS Money?

    Advisor Voices
    30 Mar 2015 | 12:07 pm
    By Craig Smalley Learn more about Craig on NerdWallet’s Ask an Advisor You have completed your tax return and done your best to eliminate your tax liability. However, you still owe money to the Internal Revenue Service — and you don’t have enough funds to pay Uncle Sam. What are your options? A lot of people who owe money to the IRS think they can file an extension and pay their taxes at a later date. However, your taxes are due April 15. An extension is only an extension of time to file — it is not an extension of time to pay. An extension, in other words, will stop the IRS from…
  • Feds Allege Deceptive Threats at National Corrective Group

    Doug Gross
    30 Mar 2015 | 11:40 am
    A company specializing in collecting on bounced checks pretended to be law enforcement, threatening people with criminal prosecution and jail time if they didn’t pay up, according to a federal agency. National Corrective Group also falsely made consumers believe they needed to sign up for an expensive financial-education program to avoid criminal charges, says the Consumer Financial Protection Bureau. “National Corrective Group masqueraded as prosecutors and used deceptive tactics to intimidate consumers into paying hundreds of dollars in extra fees to avoid potential criminal…
  • Amazon Launches ‘Home Services’

    Doug Gross
    30 Mar 2015 | 9:08 am
    Amazon’s come a long way from just selling books. Now, the online retail giant wants to help you find a plumber, mechanic, handyman or herd of goats willing to come to your home. Amazon Home Services launched Monday. It’s a marketplace for what the company calls on-demand professional services. Handpicked by Amazon, more than 2 million offers of 700 different services are available at launch, according to a news release. “With this expansion beyond physical and digital goods, Amazon is now making purchasing professional services as easy as buying products,” the…
  • Borrowing From Your Solo 401(k)? Be Cautious

    Advisor Voices
    30 Mar 2015 | 9:07 am
    By Dmitriy Fomichenko Learn about Dmitriy on NerdWallet’s Ask an Advisor Solo 401(k) plans are versatile retirement plans, especially useful for small-business owners and independent contractors thanks to their low fees and ease of customization. Another attractive feature of Solo 401(k) plans is a loan option, which allows the plan owner to borrow money at a low interest rate. Such a loan can be a nice advantage, especially when an influx of cash is needed due to financial difficulty. However, plan owners should be cautious. The Solo 401(k) loan option, which is not available with an IRA,…
 
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    The Truth About Credit Cards.com

  • Citizens Bank CashBack Platinum MasterCard Offers 10% Cash Back on Gas

    Colin Robertson
    25 Mar 2015 | 3:11 pm
    Does that headline sound too good to be true? A full 10% in cash back on all gas purchases with the Citizens Bank CashBack Platinum MasterCard? No way! Well, it is, sadly. Because there’s a huge caveat. That 10% cash back on gas is only good for the first $1,000 in gas purchases. And they [&hellip
  • Serve Will No Longer Allow Non-Amex Credit Card Loads

    Colin Robertson
    16 Mar 2015 | 4:14 pm
    Big (bad) news for those of you who use American Express Serve to pay monthly bills and increase your credit card spending. Come April 16th, 2015, you will ONLY be able to load your Serve account with a credit card if it’s an American Express card. Put another way, Discover, MasterCard, and Visa credit cards [&hellip
  • Bank Launches Scented Credit Card to Attract Female Customers

    Colin Robertson
    9 Mar 2015 | 11:23 am
    Forget about Apple Pay and virtual wallets. Plastic credit cards are still being innovated and we’ve yet to really maximize their potential. That is…until now. A bank in the United Arab Emirates has just launched a credit card that emits an odor that is pleasing to women. The aim of the new “LAHA Al Hilal” [&hellip
  • The Citi Costco Credit Card: Coming in 2016

    Colin Robertson
    4 Mar 2015 | 2:27 pm
    For Citi and Visa, it’s great news. For American Express, not so much. Last month, American Express announced that it was ending its ongoing relationship with Costco, which included a co-branded credit card and merchant acceptance agreements. The current arrangement is set to end on March 31st, 2016, at which point American Express cards will [&hellip
  • American Express Is Raising Interest Rates: Who Cares!

    Colin Robertson
    3 Mar 2015 | 11:46 am
    So major media recently reported that American Express is raising interest rates after discovering that its APRs were “significantly lower than market rates.” They have already begun sending out letters to customers who are affected by the change. The move apparently affects a “small percentage” of the company’s 55-million strong customer base, with the average [&hellip
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    Moneycation

  • Financial news: March 30, 2015

    A.W. Berry
    30 Mar 2015 | 3:00 am
    • OQ: Eventually, oil prices will rise as exporters gain the upper hand• MW: Tax preparation services only require an application & fee for a PTIN • NYT: Less expensive & younger employees are employers first choice• ZH: Remedying next recession to be difficult due to overuse of stimulus• NYT: Republican Senators agree income inequality is a problem• BI: Young talent is cheaper for Wall St. than more expensive veteran bankers• Bloomberg:  Financial market data indicates a Greek default is 72% likely to occur • BBC: The Greek government prefers to default on the…
  • Interest rates and their history

    A.W. Berry
    27 Mar 2015 | 6:00 am
    Interest rates differ between countries, but are used by central banks to impact economic activity. When employment and inflation are high, raising interest rates helps limit the supply of money and acts as a brake to control overheated economic growth. This helps reduce the risk of financial cataclysm or excessive asset valuations and speculation. To the contrary, when economic activity is slow, monetary policy often lowers interest rates for the purpose of stimulating lending and economic activity. By making money cheap, the incentive to borrow rises or the disincentive is reduced. Low…
  • Financial News: March 27, 2015

    A.W. Berry
    27 Mar 2015 | 3:00 am
    • Reuters: Apple Inc. CEO to donate $785 million of personal wealth to charity• ZH: U.S. median home prices rose 17.3% between 2012-2014• NYT: Payday loans are the third largest cause of bankruptcy• Bloomberg: Freight train oil logistics negatively impacted by oil prices• CNN: Middle-class college entrants in '04 had a graduation rate of 40% by '12  • AP: Slow pace of oil extraction needs early start for energy independence • BI: Large smartphones are the reason for flat iPad sales• CNBC: Brazil's economy shrunk by .1% in 2014• BBC: France's deficit for 2014 was 4%, .4%…
  • Financial news: March 26, 2015

    A.W. Berry
    26 Mar 2015 | 3:00 am
    • BI: Institutional investors to account for 25% of hedge fund inflows by 2020• Zero Hedge: A flattening Treasury yield curve contradicts monetary policy• MW: Forward PE ratios are weak indicators of downturns during boom times• CNN: Multiple economic warning signs scared investors on Wednesday• BBC: US-EU trade deal has been misrepresented per trade partnership organization• CNBC: Total  401(k) mutual fund fees and expenses can be as high as 2%• AP: Heinz to acquire Kraft foods for $45 billion• Bloomberg: China to invest $35 billion in green-friendly hydrogen tram…
  • Are credit cards a boon or a bane?

    A.W. Berry
    25 Mar 2015 | 6:00 am
    Life has a way of throwing surprises at us and there are going to be times when we need some emergency funds to get us through a sudden expense, like fixing the roof or replacing a water heater. These are the situations that credit was created for and it has served these purposes well for years. Unfortunately, credit is becoming so ubiquitous that many people are losing touch with their finances and spending beyond their means. This has led many to decide that credit cards are not worth the risk, but are credit cards really to blame?The benefits of creditWhen emergencies occur, credit cards…
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    LCF on Personal Finance

  • 6 Things Consumer need to know about Financial Planning in Malaysia

    ChingFoo Lieu
    25 Mar 2015 | 11:45 pm
    The Abusive use of the term “Financial Planner” Just about everyone who is involved in some small way in personal finance related business claims to be one. And that includes anyone from insurance agents to mortgage agents and bankers. Even loan shark call themselves financial advisers. One of the grouses we all have is the fact that unqualified and uncertified people are claiming to be financial planning advisers and there is no enforcement to make sure people are not hoodwinked by non-professionals. This has created lots of confusion in the market place as to who and what…
  • 11 non-complicated personal finance rules to break

    ChingFoo Lieu
    13 Mar 2015 | 10:11 pm
    1. Clear all debts before start investing for [insert your financial goals] Although setting your debt is a prudent thing to do, there are a few justifications for breaking it. First of all, personal finance isn’t an all-or-nothing practice. Good financial planning involves balance and attentiveness to your unique situation. If your debt is low-interest and of the good debt kind (mortgage for example, as opposed to consumer debt, like personal loan), it always make sense to pay it off more slowly in favor of saving money first (such as for retirement or major expenses). Remember:…
  • Why you should have an Investment Policy Statement

    ChingFoo Lieu
    24 Feb 2015 | 9:35 pm
    An Investment Policy Statement (IPS) is an integral part of a Financial Plan, but it can be a modular implementation as well. IPS provides the framework for your investment decisions. The IPS ensures that the decision-making process with respect to the management of your money will be consistent, even when unexpected market fluctuations tempt to distract you from your long-term strategy. Investment recommendations will always be made based on the guidelines that agreed upon and outlined in this document. Having said that it is still very important that you review your strategy on a regular…
  • The Definitive Guide to Retirement Readiness in 10 Years or Less

    ChingFoo Lieu
    14 Feb 2015 | 9:47 pm
    From the moment we start working or got into business, retirement planning process has been,  more often than not, intentionally oversimplified so that we don’t get distracted by unnecessary information that might divert or delay accomplishing the most important tasks – such as setting a automated savings”system” to accumulate wealth and increasing financial intelligence. In other words, it is about building a solid foundation of good financial habits. If you have 10 years or less to retirement – now it is time to up the ante because you can literally…
  • The top 3 investing truths I tell my financial planning clients – point blank

    ChingFoo Lieu
    10 Feb 2015 | 2:41 am
    Most of the time, my role as a financial adviser extends beyond what most people think – dealing solely with wealth management. It is not written in the stone, but when it comes to the most important aspect, it is actually to keep emotions from creeping into monetary decisions, especially the investment aspect. If you ask me what the next hot investment trend will be, I will almost always say, “I don’t know.” If you insist on wanting me to agree with you or go against my recommendation (which mostly focus on picking products which fits the recommended asset allocation…
 
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    Money Soldiers

  • The Many Benefits of Quick Sale Companies

    Arnel Ariate
    30 Mar 2015 | 7:30 am
    When money is tight, debts are mounting, and financial ruin looms large on the horizon, sometimes the only asset left to stave off your creditors is your home.  Most of us loathe to resort to the drastic measure of selling our houses, yet when the choice is between this or repossession and bankruptcy, it can […]The Many Benefits of Quick Sale Companies is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • E-Commerce at its Best

    Arnel Ariate
    29 Mar 2015 | 5:56 am
    Starting an online business seems easy, and if you have the drive, you can make it a big success.  However, it takes hard work and some tech-savvy.  One of your first goals should be good Internet marketing.  The three main ways to market online is through your website, through emailing and through social media.  Once […]E-Commerce at its Best is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Grow Your Business Bigtime in 6 Small Steps

    Arnel Ariate
    25 Mar 2015 | 7:07 am
    Your business relies on a lot of small “moving parts” to make it function.  But, for most companies, there are 6 major areas that push growth.  Whether you’re just starting out, or you’re a Fortune 500 giant, here are the 6 small steps that lead to big profits.   Get a Better Value Proposition Even […]Grow Your Business Bigtime in 6 Small Steps is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Best Way to Consolidate Credit Card Debt

    Arnel Ariate
    24 Mar 2015 | 5:33 am
    You may wish to consolidate credit card debt when you’re unable to deal with a number of credit card balances.  Credit card consolidation enables you to forward all your balances into a single card and continue making payments on it till the time your entire debt is paid off.  In case you don’t follow the […]Best Way to Consolidate Credit Card Debt is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Three Ways to Make Your Company a Force for Good

    Arnel Ariate
    24 Mar 2015 | 5:07 am
    You’ve seen the offers that promise a certain portion of the proceeds go to charity.  One offer making the rounds from a certain glasses company promises a free pair of glasses to a needy child for every pair you buy.  One Laptop per Child (OLpC) started out that way. One thing is for certain: these […]Three Ways to Make Your Company a Force for Good is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • Employee Stock Purchase Plans and Stock Options – Your Investing Archimedes’ Lever?

    Jason Hull
    26 Mar 2015 | 6:00 am
    “Δός μοι πᾷ στῶ καὶ τὰν γᾶν κινήσω “ (translated) “Give me a lever long enough and a fulcrum on which to place it, and I shall move the world.” –Archimedes In the last article, “Investments Where You Can Influence the Outcome” we talked about investments where, rather than doing your research beforehand, investing your […]Learn to beat your Monkey Brain and Accelerate Retirement. Employee Stock Purchase Plans and Stock Options – Your Investing Archimedes’ Lever? is a post from Fort Worth Financial Planner Hull Financial Planning…
  • Investments Where You Can Influence the Outcome

    Jason Hull
    19 Mar 2015 | 6:00 am
    “Every man gotta right to decide his own destiny.” –Bob Marley I recently read a blog post by venture capitalist Fred Wilson about how they focus on the company that they invest in, not necessarily the investment. One sentence really stuck out to me: Venture capital is one of those asset classes where you can […]Learn to beat your Monkey Brain and Accelerate Retirement. Investments Where You Can Influence the Outcome is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Investments That Are Too Good to Be True? Are We Too Conservative in Our…
  • Lies, Damn Lies, and Anchors

    Jason Hull
    12 Mar 2015 | 6:00 am
    “Above all, don’t lie to yourself. The man who lies to himself and listens to his own lie comes to a point that he cannot distinguish the truth within him, or around him, and so loses all respect for himself and for others.” –Fyodor Dostoyevsky “The best lies about me are the ones I told.” […]Learn to beat your Monkey Brain and Accelerate Retirement. Lies, Damn Lies, and Anchors is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Monkey Brain’s White Lies Why Does Monkey Brain Think Public Knowledge Gives Him an Inside Investing Edge?
  • Should You Just Donate to Charity Instead of Going to IHOP’s Free Pancake Day?

    Jason Hull
    3 Mar 2015 | 6:04 am
    “He who goes to bed hungry dreams of pancakes.” –Proverb (probably attributed to Aunt Jemima) March 3, 2015 is National Pancake Day from IHOP. You go, get free pancakes, and the cost is a donation of whatever you think is appropriate to give to the Children’s Miracle Network Hospitals. I love the notion and the […]Learn to beat your Monkey Brain and Accelerate Retirement. Should You Just Donate to Charity Instead of Going to IHOP’s Free Pancake Day? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Should I Pay for Financial Advice When…
  • President Obama Calls for a Stronger Fiduciary Standard. Should You Care?

    Jason Hull
    27 Feb 2015 | 4:00 am
    “…back-door payments or hidden fees for steering people into bad retirement investments that have high fees and low returns…” –Barack Obama On February 23, 2015, President Barack Obama threw his support behind a forthcoming (as of the writing of this article, it had not been released) Department of Labor fiduciary standard. According to a White […]Learn to beat your Monkey Brain and Accelerate Retirement. President Obama Calls for a Stronger Fiduciary Standard. Should You Care? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why…
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    Listen Money Matters

  • Refinancing with Benefits: A Chat with Dan Macklin from SoFi

    Candice Elliott
    30 Mar 2015 | 3:00 am
      Are you one of the 40 million Americans struggling with student loan debt? Refinancing can help. Dan Macklin from SoFi tells us the benefits. Like LMM, SoFi has gotten bigger since they last joined us. Started as a company to help refinance student loans, they have now branched out to personal loans and mortgages. If you have a federal student loan that has an interest rate of 6-8%, that is too high! SoFi can reduce that rate and consolidate your loans at the same time. Fixed rates are about 3.5% and variable rates start as low as 1.9%. SoFi offers some nice protections, like helping…
  • The Pink Tax

    Candice Elliott
    29 Mar 2015 | 3:00 am
      The pink tax is one that only about half of the population is subject to. And they probably aren’t even aware of it. Are you paying the pink tax? The pink tax refers to the extra amount women are charged for certain products or services. Things like dry cleaning, personal care products and vehicle maintenance. So not only do we make less but we pay more. Some bullshit.  How much more?  About $1351 more a year in extra costs. Where are we paying more? Below are the some of the biggest culprits. Clothes Old Navy got busted last year for charging more for women’s plus sized…
  • Destroy Hidden Fees with Uri Levine from FeeX

    Candice Elliott
    27 Mar 2015 | 3:00 am
      We are anti-fee at LMM whether they be bank fees, credit card fees, or investing fees. Uri Levine from FeeX joins us to discuss avoiding investing fees. Americans pay $600 billion in investing fees every year. That is 4% of the Gross Domestic Product! On an individual basis, you lose about one third of your retirement money to these fees. You might know what percentage you are paying but how much is that in real dollars? FeeX will analyze your investments to uncover where you are paying fees and how much you’re paying. They will then find you cheaper alternatives with the same…
  • Pet Expenses

    Candice Elliott
    26 Mar 2015 | 3:00 am
      Having a pet can be a wonderful experience. But pets come with expenses. Before you adopt a furry family member, make sure you know what to expect. Furry kids are less expensive than human kids but they can still cost a small fortune. Once you adopt a pet, their care is your responsibility so it’s a good idea to know what some of the expenses might be and to set money aside for them. Until he passed away in June, I had a kitty friend named Shadow. I got him as a tiny kitten while I was in college and we were together nearly half my life. He was a great cat and I love him but…
  • Being a Successful Penny Stock Trader with Timothy Sykes

    Candice Elliott
    25 Mar 2015 | 3:00 am
      What is a penny stock?  Can they make you rich?  Well, it worked for our guest Timothy Sykes who turned $12,000 into $4.2 million by trading them. Timothy took his bar mitzvah money and started trading. What his parents thought would be a hard lesson in the value of a dollar, turned into a small fortune. Penny stocks are stocks sold by speculative companies for under $5 per share. Timothy plays the momentum of these stocks, he’s not looking for the next Apple. He also cuts loses quickly. He’s wrong about a third of the time and gets out fast.  It takes discipline to make…
 
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    Equifax Finance Blog

  • What to Know When Filing a Tax Extension

    Eva Rosenberg
    30 Mar 2015 | 1:46 pm
    April 15, the deadline to files your taxes, is nearly here. Perhaps you are still waiting for the right paperwork in order to file your tax return. Or maybe your life circumstances have changed,and you are feeling overwhelmed. You may be considering filing for either a federal or state extension in order to effectively manage this annual obligation. When you file an extension on April 15th, you could have until October 15 to file your taxes. June 15th is the extension due date for people in the military, and those who are living outside the United States and Puerto Rico and with a main place…
  • Seven Last-Minute Tips to Maximize your Tax Refund

    Eva Rosenberg
    30 Mar 2015 | 1:20 pm
    Tax season has begun, and while you may think it’s too late to do anything that can impact your 2014 taxes, that’s not the case. Even now you still can maximize your tax savings and perhaps your tax refund. What’s the secret? Digging through your records. The more details you have saved from your purchases, the more deductions and expenses you potentially can generate to reduce your taxes. What should you be looking for? 1. On a personal level, you can deduct medical expenses, sales taxes on some large personal purchases, such as vehicles, donations, education costs, investment…
  • What To Do Now If You Can’t Pay Your Taxes in April

    Eva Rosenberg
    30 Mar 2015 | 1:18 pm
    When it comes to your taxes, the best way to avoid stress and problems is to use the old fashioned method—pay as you go—either through payroll withholding or timely estimated tax payments. Unfortunately, even with the best intentions it’s possible to get behind. Millions of people owe back taxes, falling behind for a number of reasons including illness, a change in financial circumstances, or simply forgetting to file. If you’re one of these millions, here are some suggestions that can help you get back on track with the IRS: Pay as much as you can afford to pay in April and file for…
  • Debunking the Top Five Renter’s Insurance Myths

    Heidi Petschauer
    27 Mar 2015 | 5:54 am
    Most of us are familiar with the saying, “There’s no place like home.” Unfortunately, unforeseen incidents, such as fire or water damage, can quickly turn your home upside down. While most homeowners have insurance to cover them in case issues arise, many renters don’t believe they need insurance. Every day, I hear from people who don’t believe they need a renter’s insurance policy. Many renters believe some or all of the following, and subsequently don’t purchase insurance: My landlord’s insurance will cover me. My stuff isn’t worth very much. I don’t entertain or have…
  • Tax Credits vs. Tax Deductions: What's the Difference?

    Eva Rosenberg
    26 Mar 2015 | 9:13 am
    When it’s time to file taxes, navigating the world of tax credits and tax deductions can be confusing. They seem similar, yet they work differently. How do you know what to claim? What will save you the most money? The Basics: What’s the difference between tax credits and tax deductions? Tax credits reduce your actual tax liability—the amount you owe to the IRS—dollar for dollar, while tax deductions reduce your taxable income—how much taxable income you claim. With tax credits, $1 in tax credits is worth $1 off what you owe in taxes. With deductions, $1 in deduction can only be…
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    The Simple Money Blog

  • Saving for your future (video number one!)

    Kirby
    30 Mar 2015 | 5:00 am
    KJ: This blog post is taking a little bit of a different spin and approach. We’ve created our very first video using Moovly. Check it out – we hope you like it! Saving for your future (video number one!) is … Continue reading →
  • How to spend what you don’t have without going broke

    Angela and Kirby
    23 Mar 2015 | 5:15 am
    AJ & KJ: We were having a conversation about vacations with family the other day and the question came up “how do you take a last minute vacation, spend a few thousand dollars and NOT tap into your emergency fund?” … Continue reading →
  • Deal sites – avoid or jump on the bandwagon?

    Angela
    16 Mar 2015 | 5:00 am
    AJ: I learned the value of a good deal early on in life. Money doesn’t come easily in life and spending it should be thoughtfully done. Being mindful of your spending and watching your budget doesn’t mean you’re cheap just … Continue reading →
  • New must-know grocery tips

    Angela
    9 Mar 2015 | 5:00 am
    AJ: Two weeks ago my well-planned, meticulously maintained loyalty to Tom Thumb’s Just 4U program came to an abrupt, unwelcome halt. Thanks to Minyard purchasing Tom Thumb my years of building up my profile and acquiring rewards and discounts are … Continue reading →
  • Why we chose to refinance our 3.75% mortgage

    Kirby
    2 Mar 2015 | 5:00 am
    KJ: One of the benefits of lower interest rates these days is the very low cost of credit: be it mortgage loans, home equity lines of credit, car loans, student loans (er, generally…), etc. Well, for some reason, credit card … Continue reading →
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    My Money Design

  • What Habits Are On Your Morning Routine Checklist?

    MMD
    30 Mar 2015 | 2:00 am
    Usually I don’t tend to buy into headlines like “how to be more productive” or “how to improve your efficiency”, but recently I was pleasantly surprised by something I heard. One of the latest Pat Flynn Smart Passive Income podcast episodes was a whole thing about his daily habits and morning routine.  Normally I tend to gravitate more towards his bits about blogging and entrepreneurism.  But with the big recent changes in my health, I’ve been more open to trying just about anything. And I’ve got to say – I was glad I did! I’m not sure I’ve ever really realized how much…
  • Where to Park Your Rainy Day Savings for Growth Without Much Risk

    MMD
    23 Mar 2015 | 2:00 am
    We all know that part of a good, healthy financial well-being is to have a decent sized chunk of money set aside in your emergency fund or rainy day savings fund as some people call it. Some advisers tell us it can start off with as little as $1,000 (I believe that one is a Dave Ramsey thing).  More commonly I see suggestions to have as much as 3 months, 6 months, even 12 months worth of living expenses set aside in easily accessible bank account. Fortunately for my wife and I we have done a pretty good job of building up our rainy day fund over the years to as much as $20,000!  That’s a…
  • 14 Reasons Why Writing an eBook Will Be My Next Make-Money Project

    MMD
    16 Mar 2015 | 1:00 am
    It’s time to let the cat out of the bag!  For a while now I’ve been hinting that my next big extra income project will be to officially release an eBook. This is something I’ve wanted to do for a very long time.  Quite frankly I’m way overdue and should have tried it a long time ago.  As a matter of fact making money writing eBooks was on the table as one of my next projects as far back as this post in 2013.  Better late than never though, right? If you remember, I actually did experiment with writing a whole eBook back over the summer.  But I got cold feet about taking the next…
  • My Cancer Update – 8 Weeks Later

    MMD
    12 Mar 2015 | 1:00 am
    I wanted to give everyone a quick update on my health and how things are going. In case you didn’t know, I found out in January that I have cancer – specifically Type II Hodgkin’s Lymphoma. As you can probably guess that came as a HUGE shock to me to because I’m an otherwise pretty young, healthy guy. However, as I’ve learned, cancer doesn’t discriminate its victims.   And so now this is just simply something I have to deal with and put behind me without hesitation. Since when I first broke the news to you my dear readers, I’ve received my official regimen of treatments:…
  • 3 Painless Ways to Build Your Emergency Money Fund

    MMD
    11 Mar 2015 | 3:00 pm
    The other day I was having a conversation with a few of my coworkers about how long we’d be “okay” financially if we were to lose our jobs.  (None of us were in any sort of trouble, it was just one of those conversations.)  Much to my surprise most of them said they didn’t think they’d last more than a month. A month?  Perhaps I’m brain-washed from living in this money-blog community of mine, but doesn’t everyone know by now that you’re supposed to have 3 to 6 months worth of emergency money stashed up at all times?  Disaster could strike at…
 
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    The Quizzle Wire

  • Where the super-rich are buying homes

    Miranda Marquit
    30 Mar 2015 | 6:00 am
    If you’re looking to live like the super-rich, where would you move? For the most part, according to data from the U.S. Census, the super-rich cluster around coastal cities in the United States. And, even on a global scale, the U.S. is a destination for the super-rich — at least when it comes to buying multiple homes. ManhattanMiami Real Estate reports that a recent Knight Frank Wealth Report ranks London the top global city for individuals with ultra-high net worth, with New York coming in second. Other cities gaining ground in the world of ultra-high net worth include Singapore and…
  • How to Stop Paying PMI

    Cathy
    27 Mar 2015 | 6:00 am
    Sometimes when you buy a house with a mortgage, the mortgage lender requires you to also buy Private Mortgage Insurance or PMI. PMI is the lender’s way of protecting itself from the risk that you might fail to pay back the mortgage – if you default on the loan, the issuer of the PMI policy will pay the lender most or all of the outstanding balance. The cost of a PMI policy customarily depends upon the amount of the mortgage and can vary widely – anywhere from $30 to $100 per $100,000 borrowed. Although the lender is the beneficiary of the PMI policy, the borrower is required…
  • Why Apple turned to bonds for fundraising

    Miranda Marquit
    25 Mar 2015 | 6:00 am
    At the beginning of February 2015, Apple raised more than $6 billion by selling bonds on Wall Street. So, did Apple need to raise that money by selling bonds? Honestly, probably not. However, companies need to raise cash, and one way to do that is to sell bonds, in addition to selling stock. And with bond rates low right now, and Apple at the center of debates over the way American companies stash billions in cash overseas to avoid paying taxes, it makes sense to look at a low-cost bond offering to raise some money. Low-cost money for AAPL Many companies have multiple ways to get the capital…
  • Why you should keep your business credit separate from your personal credit

    Miranda Marquit
    23 Mar 2015 | 6:00 am
    For many entrepreneurs and solopreneurs, it’s common to create a business with personal financial resources. For someone like me, with a solo business and no employees, it’s especially tempting to use my business financial resources as my personal financial resources. After all, my income is my family’s income. It all goes to the same place, so it doesn’t matter if it’s a little mixed up, right? Actually, it does matter. Keeping your business finances separate from your personal finances is important if you want to make things easier for you, and reduce trouble come tax time.
  • How to do a balance transfer the right way

    Miranda Marquit
    20 Mar 2015 | 6:00 am
    If you’re looking to pay down debt, one of the best tools at your disposal is the 0% APR balance transfer. Using the balance transfer strategy, it’s possible to take your high-interest credit balances and get a break on the rate, allowing you to boost your principal payment each month. “Many credit card companies offer these low rates anywhere from six to 21 months,” says Andrew Gauthier, the founder of Red Cedar Advisory. There are a number of places to find credit cards offering balance transfer deals, including consumer credit sites like Quizzle. (See what cards may be available to…
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    Credit Card Insider » InsiderCredit Card Insider

  • Activate Your Credit Card Rewards Now To Start Saving

    Brendan Harkness
    30 Mar 2015 | 2:54 pm
    If you have a credit card with quarterly reward categories, the time has come to activate your rewards. There are several cards that offer these rotating category rewards, which generally provide 5% cash back in a category that changes every 3 months.  You’ll usually need to activate each new category yourself, and the easiest way […] The post Activate Your Credit Card Rewards Now To Start Saving appeared first on Credit Card Insider.
  • How I Use My Credit Cards: John Ganotis

    John Ganotis
    30 Mar 2015 | 7:06 am
    Instead of describing credit cards as we usually do, we’re going to take a different approach here. We’ll be discussing our personal experiences with the cards we use ourselves: why we use them, for what kinds of purchases, any particular strategies we employ, and any experiences we’ve had with customer service. Here’s how John Ganotis, founder […] The post How I Use My Credit Cards: John Ganotis appeared first on Credit Card Insider.
  • Review of the Kaiku Visa Prepaid Card

    Brendan Harkness
    26 Mar 2015 | 7:34 am
    The Kaiku Visa Prepaid Card is a reloadable prepaid debit card, not a credit card. It requires no credit check to get, and can be obtained by anyone over 18 with a Social Security number. You can load the card with money in a variety of ways, online and off, and you can use the […] The post Review of the Kaiku Visa Prepaid Card appeared first on Credit Card Insider.
  • Q&A Video – What If I Do The Wrong Math For A Tip And Pay With A Credit Card?

    John Ulzheimer
    24 Mar 2015 | 8:41 am
    Have you ever wondered just what is going on when you give your credit card to a waiter and they disappear for a few minutes? What if you do the math wrong when you write the tip on a receipt and add up the total amount? Who is in charge of charging the amount to […] The post Q&A Video – What If I Do The Wrong Math For A Tip And Pay With A Credit Card? appeared first on Credit Card Insider.
  • Life Without A Credit Card

    Kimberly Rotter
    17 Mar 2015 | 11:02 am
    Life without a credit card is certainly possible but can be inconvenient, to say the least. Consumers who choose to forego credit will be at a distinct disadvantage when it comes to reaching certain pivotal financial goals. Credit Card Required Some transactions are difficult or impossible to make. Car rental agencies are a great example. […] The post Life Without A Credit Card appeared first on Credit Card Insider.
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    SideHustle HQ

  • Starting a Catering Business on the Side

    SideHustleHQ
    13 Mar 2015 | 9:01 am
    One of the most appealing profit opportunities for entrepreneurs without deep pockets is a side catering business. For as little as a few thousand dollars, anyone can start a successful catering concern from their home given the right plan and a little careful execution. Better still, such a business allows entrepreneurs to make decent money without throwing all of their metaphorical eggs in one basket. If things really take off, you can parlay it into a full-time enterprise. Do the following if a catering side business sounds good to you. Settle on a Market Niche The first big decision to…
  • How to Turn Your Hobby Into a Side Business…and Should You?

    SideHustleHQ
    10 Mar 2015 | 3:35 am
    For many, the easiest way to go into business for oneself is by turning a hobby into a profit-oriented enterprise. After all, your participation in a hobby gives you all of the knowledge and expertise you’ll need to potentially pull in a significant income. The problem is that there’s no specific road map for turning a hobby into a legitimate business. Most have trouble figuring out if they should even take the risk. If you’re contemplating this action, it’s important to ask yourself a few probing questions before moving forward. Determine If It’s a Wise Move…
  • Side Hustle Success: Staying Warm with Wool and Whiskey

    SideHustleHQ
    22 Feb 2015 | 8:52 pm
    “There are always excuses not to, there is never enough time, and there are always negative things you can tell yourself that impede you from taking that first initial step – but the experiences you are missing out on and the possibilities your ideas could lead to if you just try will most likely outweigh any of those initial doubts. ” ~Jessie McShane Name: Jessie McShane Day Job: Administrative Assistant and Program Coordinator at the Luann Dummer Center for Women  and Counseling and Psych Services at the University of Saint Thomas & Graduate Student getting an MA in…
  • Doing Business with the NFL

    SideHustleHQ
    20 Feb 2015 | 1:38 am
    Like every other country in the world, the United States is just mad about sports. To be more specific, Americans are all about football. Therein lies the opportunity. In 2013, NFL revenue clocked in at $9 billion, which makes it the most remunerative league in the world. If you partner up with the NFL, the profits are always reliable and quite attractive. Doing so is easier than you’d think when you go in with a plan. If that sounds appealing, just follow these simple steps. Consider Your Options There are ultimately two really solid ways to make money by teaming up with the NFL:…
  • Make Money Giving Feedback To Lawyers

    SideHustleHQ
    15 Feb 2015 | 1:48 pm
    There are so many ways to make money online, but being an online juror is probably one that you haven’t heard of before. Two websites, eJury and Online Verdict, allow you to sign up as online jurors and review legal cases presented by attorneys in your area. You will be presented with the facts about the case, along with the evidence and witness statements. Once you have reviewed all of this information, the attorney will provide you with an online questionnaire that you will be required to fill out. This is where you leave your feedback about the case and your thoughts about what the…
 
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    Covenant Trust Company

  • What are your plans for your tax refund?

    Covenant Trust Company
    26 Mar 2015 | 6:15 am
      Although it may not always be ideal to have a large tax refund, it’s definitely better than owing the IRS. If you’re not sure how to spend it yet, check out Mint’s suggestions in their infographic, “When to Expect Your Tax Refund (and how to spend it!)” While it is tempting to go shopping after receiving a…
  • Required Minimum Distributions for Traditional IRAs

    Covenant Trust Company
    24 Mar 2015 | 7:39 am
    A Traditional IRA requires you to take a distribution after you turn 70 ½. This is called a Required Minimum Distribution, often referred to as an RMD. Your RMD is calculated by dividing the amount in your IRA as of December 31st of the previous year by your life expectancy (as estimated by the IRS). So,…
  • CTC tips: 2015 tax limits

    Covenant Trust Company
    16 Mar 2015 | 6:01 am
    It’s March, so it must be tax season. For the first several months of the year we focus a significant amount of time on the tax side of our work.  There is always something new – some new regulations to incorporate into reporting and new rules to work through. We like to use this time early…
  • Getting out of debt: snowball vs. avalanche

    Covenant Trust Company
    13 Mar 2015 | 1:04 pm
    Want to get out of debt? If you have some extra money to put towards your debt every month, the debt snowball and debt avalanche repayment methods have proven to be popular and effective. We’ve written about these before, but Forbes has a nice video that summarizes the two methods for all of you visual learners out there.Filed…
  • Inflation risk

    Covenant Trust Company
    10 Mar 2015 | 5:53 am
    Twenty cents for a gallon of milk; 10 cents for a loaf of bread. A new house for $10,000. A new car for $2,000. These prices may seem like a pipe dream but this was the reality in the 1940s. Prices are much higher today because of inflation – the rate the prices of goods…
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    Debt Consolidation USA

  • 5 Things To Help Children Understand The Concept Of Money

    al
    26 Mar 2015 | 11:37 pm
    The concept of money is not something that comes to anyone in the middle of the night and they wake up the next morning all-knowing about money management and their finances in general. This takes years of learning and even more years of actual experience to get a good handle of. Even then, there are […] The post 5 Things To Help Children Understand The Concept Of Money appeared first on Debt Consolidation USA.
  • 7 Things To Remember When Looking For A Job

    al
    25 Mar 2015 | 1:06 am
    A lot of people are looking for a job because this is one sure way of earning a steady income to pay for various living expenses. The class of 2014 might have a bigger reason to do so especially that WSJ.com shared that they have an average of about $33,000 in student loans to repay […] The post 7 Things To Remember When Looking For A Job appeared first on Debt Consolidation USA.
  • 4 Types Of People That Might Be A Target For Identity Fraud

    al
    20 Mar 2015 | 4:52 pm
    Identity fraud is a scary financial nightmare where the effects can ripple out to large areas of your life and can be felt for years after the fact. According to BJS.gov, about 7% of persons aged 16 and above fell victim to this scheme in 2012. This shows how young the victims are and how […] The post 4 Types Of People That Might Be A Target For Identity Fraud appeared first on Debt Consolidation USA.
  • How Spring Cleaning Can Help You Clean Up Finances

    al
    17 Mar 2015 | 11:10 pm
    We all want to clean up finances and spring gives us a great reason to start this process. No one wants to go through life by winging their finances. This is a recipe for disaster when you do not know the current state of your finances and you are not equipped to handle future situations […] The post How Spring Cleaning Can Help You Clean Up Finances appeared first on Debt Consolidation USA.
  • Are You In Financial Trouble? Here Are Sign To Help You Answer This Question

    al
    11 Mar 2015 | 4:49 am
    It is nerve racking to know that you are in financial trouble considering that we are coming from a recent Great Recession that rendered a lot of people jobless. This also saw employment opportunities plummet to all time lows which compounded the financial problems of people who got laid off and are left with no […] The post Are You In Financial Trouble? Here Are Sign To Help You Answer This Question appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Using Equity in your Home to Pay Credit Card Debt…A Good Idea?

    Kate Swenson
    16 Mar 2015 | 9:52 am
    With a fixed income, rising living costs, and unexpected expenses it is easy to see how credit card debt can accumulate.  As balances go up, credit card payments start increasing. This puts a further strain on the monthly budget – causing even more dependence on credit to cover basic expenses.  How the debt was created doesn’t even matter at this point.  What matters now are the changes you make in order to get out of and stay out of debt. Home equity can seem like a quick solution to all of your credit card debt problems. But before you tap into your equity to repay your debt,…
  • How to plan a summer vacation on a budget

    Kate Swenson
    16 Mar 2015 | 9:34 am
    If you’re anything like me, you’re ready for this winter to be over…NOW! We have a couple months to go, but that’s actually a good thing. It will give you time to put away some funds for a summer vacation. For the last few years, our little family of 4 has embarked on a week long road trip in the summer. Why? Because there is no gift that lasts longer or has more value than memories with your family. However, as we all know vacations cost money. So the sooner you start planning and saving, the more relaxing and enjoyable your time away will be. STEP 1: CREATE VACATION FUNDS…
  • Confessions of a Financial Counselor; Part Two

    Kate Swenson
    3 Mar 2015 | 10:56 am
    People come to see us because of debt issues and we are the experts on dealing with debt, after all. We’ve got a highly trained counseling staff and a great Debt Management Plan (DMP) product. The DMP, though, only works with a balanced budget which is a fancy way of saying there isn’t more money going out than is coming in. So, we counselors go over budgets and suggest ways to trim expenses. (Confession: It’s a lot more fun to slash someone else’s spending than your own!) The easiest place to make changes is with the non-essential expenses, otherwise known as “Wants.” My first…
  • Student Loan Debt: Know Your Rights

    Kate Swenson
    18 Feb 2015 | 12:22 pm
    pictured: Cate Rysavy, Tricia Grimes, Representative O’Neill Student loan debt is a major challenge for individuals the moment they graduate or leave college. Difficulty in repayment can become a major obstacle that prevents student loan borrowers from successfully pursuing their career and life ambitions. Our Senior Director, Cate Rysavy, testified at the Minnesota House of Representatives Higher Education Policy and Finance Committee on Tuesday regarding student loan debt. Student loan payments and defaults can have a major impact on the borrower and the economy: Student loan payments…
  • Get a Jump Start on Spring and Save $$!

    Kate Swenson
    17 Feb 2015 | 9:25 am
    February in Minnesota. The days are noticeably longer – we gained an hour of daylight in January. Woo hoo! And a girl finds her attention turning to the pile of seed catalogs that started accumulating in December when spring wasn’t even a distant hope. Starting your own garden vegetables and flowers from seed can be a great cost-saving strategy. Besides saving money, the other great benefit to starting your own plants is choosing what you want instead of what the nursery has. Extreme caution is advised, though, because the renewed hope of another growing season can lead to unrestrained…
 
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    Minting Nickels

  • Tips to Help You Save for Retirement

    Justin
    20 Mar 2015 | 5:39 am
    If you have worked hard all of your life, you deserve to have a peaceful and relaxing retirement. Of course, this will often depend on the preparations a person has made prior to their retirement. Unfortunately, there are millions of people who do not start planning for their retirement until it is only a few years away. By that time, it is impossible to get everything in order. You need to be very proactive when it comes to your preparation. Here are some tips to help you save for retirement. 1. Save early and often As far as your retirement is concerned, you can never save too much. The…
  • Questions to Ask if You Are Experiencing Cashflow Problems

    Justin
    14 Mar 2015 | 12:00 am
    Your company is only as successful as the direction of your cashflow; it’s the indicator of your organisation’s financial health. The skill of managing your cashflow effectively protects the financial reputation of your company and the security of your future in the business community. If you are experiencing cashflow problems, use the checklist below to determine some of the mistakes that you are making so that you can begin to repair them and remain a viable entity in the marketplace.   1. Have you ever experienced an overdraft in your business account and had to quickly arrange a…
  • Quick Ways to Make Extra Money

    Justin
    8 Mar 2015 | 6:59 am
    Have you found yourself in desperate need of cash? I think we have all been in that position one time or another. Depending on your specific situation there are actually a number a different ways you can come up with cash in a pinch. If you’re a health individual, then giving blood or plasma is one way. There is always a shortage of blood and plasma, and companies are willing to pay decent money for “donations”. There are also the gender specific items that can be sold as well. More specifically, men can be paid for their semen, and women’s breast milk is surprisingly always in high…
  • Don’t Waste a Windfall

    Justin
    2 Mar 2015 | 7:32 am
    The recession provided a salutary lesson for everyone.  It had been extremely tempting to borrow money and lenders were all too happy to approve applications or enroll new clients for their credit cards. The financial environment changed suddenly and unexpectedly. The result was misery for many and few were completely immune from any sort of problem.  It is important that everyone takes on board the need to put themselves on a firm financial footing. Borrowing remains a part of everyday life and there is nothing wrong with it as such.  That said if you receive a pleasant surprise in terms…
  • Shop Savvy: How to Make your Budget Go the Extra Mile

    Justin
    23 Feb 2015 | 9:29 am
    Shopping for things you need is one thing, but getting the things you want can be a bank breaker. Magazines, tailored ads from cookies, and social media make us want the finer things in life. From designer fashions, the latest home appliances, luxury travel–it’s hard enough to pay the bills, let alone let loose and feel frugally free. Below are some great ways to help you make the most of your money and free time.   Get Your Coupon On Couponing can be intimidating. There are clubs and groups dedicated to the $100 shop, and somehow  you get $10 back. How does that work? Coupons.
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    Debt RoundUp

  • I’m a Money Hoarder!

    Grayson Bell
    30 Mar 2015 | 2:15 am
    I have a confession my friends.  It’s not something I’m really happy about, but the truth hurts sometimes. I have a problem and I’m working hard to fix it. I’m a hoarder, everyone. Yes, that’s right, I hoard, but not things, just money!  I’m a money hoarder and I’m working to change it.  While it might not look so bad on the outside, I realized my addiction for stashing money is hurting me financially. That’s just not cool with me. I even wrote on another blog to tell people to stop saving money. Seriously. If you’re a money hoarder…
  • How to Make Money Freelance Writing in 30 Days or Less

    Grayson Bell
    28 Mar 2015 | 5:45 am
    So, you want to make more money, who doesn’t?  When I surveyed my readers earlier this month, they overwhelmingly told me they want to learn more ways to make more money. Well, I’m going to oblige. If you’re struggling with money, you can only cut so many expenses until you hit the bottom. What’s the next step in the progression? Making more money!  Earning more outside of my job changed my financial life. I’ve been able to achieve many of the goals I set for myself ever since starting this blog and launching my business. It’s been great. Now, it…
  • How Do You Compare? The Average Monthly Disposable Income Around the World

    Grayson Bell
    26 Mar 2015 | 6:50 am
    How much money do you have to spend each month? Too personal?  Well, get over it!  I picked up this interesting infographic (I love graphics) about the average monthly disposable income around the world. I think it would be a fun exercise to compare to how you do on a world scale. Luckily for you, this infographic has translated all currencies into dollars to make it easy for us Americans! Who do you think makes the most monthly disposable income?  Give it a guess?  Well, it might not be who you think. I’m not going to spoil it for you, so make sure to scroll down this long…
  • Four Keys to Forming Healthy Spending Habits

    Mike Collins
    25 Mar 2015 | 2:08 am
    Spending money can be a lot of fun.  Many of us even get a temporary high whenever we buy something new.  But spending habits can be dangerous and even downright destructive if you get carried away and let them get the better of you. Awareness of your spending habits and the money triggers that make you overspend is the first step in reigning in your spending and taking control of your finances. Follow the four simple steps below to start forming healthy spending habits that might just change your life for the better… Live Within Your Means It seems so simple doesn’t it?  Just don’t…
  • Getting a Tax Refund? You’re Doing it Wrong!

    Grayson Bell
    23 Mar 2015 | 7:01 am
    Last week, I put up an infographic about how Americans will spend their tax refunds this year.  This graphic had an average of about $3,100, but after doing some research, that might be going up.  Either way, this is over $3,000 of a refund. That’s a big chunk of change.  What irritates me about this number is the number of companies that want you to spend your tax refund buying something. Use your refund to get into a new car. Buy new furniture, and so on.  There are so many ads out there trying to pry that refund right our of your hands the moment it lands in your bank account.
 
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    The Smile Lifestyle - Phroogal

  • 5 Books Every Millennial Should Read About Money

    Yaroslav Tashak
    29 Mar 2015 | 5:12 pm
    Editor’s note: I met Yaroslav Tashak at a Montclair State University entrepreneurial Meetup where I had the pleasure of speaking to students and entrepreneurs at the Feliciano Center for Entrepreneurship. Yaroslav is a 20 year old college student majoring in accounting, an avid reader of personal finance books and an entrepreneur. I’ve been impressed by his spirit and desire to succeed. I’m fortunate to have him guest post to share his favorite money related books. Where I originally came from, opportunity is not knocking at the door and it isn’t easy to find. I was…
  • Money Journey: My First Step Into Investing

    Ossiana Tepfenhart
    24 Mar 2015 | 5:00 am
    Well, for the first time in my life, I decided that it’s time to get serious about investing. I’ve learned that, with my new job, I will have a lot of extra money to throw around. Instead of doing the normal spending spree of computers and shoes, it made more sense to just put it into accounts that would profit in some way or another. After all, I am worried about being broke. Obviously, there was a small problem with the whole investing issue – aside from the fact that I had not yet earned the cash I’d be investing. No one really told me anything about investing, what my options…
  • 5 Ways to Buy Healthy Food While Saving Time and Money

    Kayla Sloan
    21 Mar 2015 | 10:31 am
    One of the biggest myths when it comes to eating healthy is that it’s more expensive to focus on a healthy and balanced diet than to eat whatever you want.  We all want to eat healthier but eating healthy requires consuming the correct daily balance of all the major food groups including fruits, vegetables, grains, proteins, and dairy. The USDA My Plate resource provides information about how to correctly balance these food groups. Choosing less healthy food might be the solution for some cost cutting people but fortunately, there are some things you can do to get healthy food and still…
  • 7 Times You Should Absolutely Rethink Getting a Loan

    Valencia Higuera
    16 Mar 2015 | 6:00 am
    Since banks and credit unions create loans everyday, you may think getting a loan is no big deal. You may also argue that if it weren’t for banks most people wouldn’t be able to buy a house, get a car or complete a college degree. So, loans are available to make our life a bit easier, right? It really depends on the situation. Just because loans are available doesn’t mean everyone should run out and apply for money whenever the mood hits. A loan can put cash in your bank account or make it easier to buy things you can’t afford to purchase outright, but getting a loan isn’t…
  • Old School Stores, eBay Or Amazon: Which One Has The Best Fashion Savings?

    Ossiana Tepfenhart
    13 Mar 2015 | 6:18 am
    If you are a fan of designer clothing and perfume, you probably are feeling the financial punch that having a penchant for the latest gear can have. In a world where the desire for Michael Kors can lead to a person shelling out $50 for a simple wallet, it’s crucial to know what sites suit your needs the best when you’re shopping. Check out this comparison guide. Amazon.com The Perks: Amazon doesn’t have as many knockoff designer brands being sold on its site as eBay. The prices are often lower than what you would find in stores, and you are able to comparison shop with different…
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    Student Debt Relief | Student Loan Forgiveness

  • Student Aid Bill Of Rights

    Demetrios Sourmaidis
    26 Mar 2015 | 9:10 am
    Student Aid Bill Of Rights President Obama recently proposed a new Student Aid Bill of Rights to help take action on the student debt problem, and provide borrowers with more rights and protections.  With the current average borrowers student loan debt at $28,400, and the average default rate at nearly 14%, its neither a surprise nor secret that the country is […] The post Student Aid Bill Of Rights appeared first on Student Debt Relief | Student Loan Forgiveness.
  • How to Avoid a Tax Offset From Your Student Loans

    Demetrios Sourmaidis
    8 Dec 2014 | 7:56 am
    How to Avoid a Tax Offset From Your Student Loans If your federal student loans are in default, the Department of Education can refer your account to the Department of Treasury for collection by an offset of your federal (and in some cases state) tax returns.  The Department of Treasury can withhold the entire amount of your refund to satisfy the debt that is owed.  If […] The post How to Avoid a Tax Offset From Your Student Loans appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Co-Signing a Student Loan – A Parents Dilemma

    Kevin Findley
    30 Oct 2014 | 7:30 am
    Co-Signing a Student Loan – A Parents Dilemma In 2009, 27 year old Lisa Mason died suddenly from liver failure. She had graduated two years earlier from Nursing School, quickly found work and began paying off her private student loans on time and without fail. After her death, while her parents had barely begun to grieve, the first call from one of the […] The post Co-Signing a Student Loan – A Parents Dilemma appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Are Student Loan Defaults Going Down?

    Demetrios Sourmaidis
    15 Oct 2014 | 7:08 am
    Are Student Loan Defaults Going Down? 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
    Predatory Student Loan Lenders Sued In Illinois Court 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.
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    iMoney.ph

  • 5 Money Excuses That Keep You Poor

    imoney
    29 Mar 2015 | 6:43 pm
    Some financial things are out of your control. But it’s also really easy to come up with excuses for not saving money, or not investing, or not fixing your bad financial habits. If you’re not careful, these excuses will put you in a terrible position in the future, and you might find yourself with no money at all. Read on for the money excuses that keep you poor: 1. I’m not ready to save. I’ll do it when I make more money. Photo: Shutterstock If everybody did this, nobody would ever save anything. It doesn’t matter whether you make P10,000 or P100,000 a month — you should be…
  • Are You Ready To Invest?

    imoney
    26 Mar 2015 | 7:03 pm
    The world of investing sounds so promising and so scary all at once. High returns! Quick earnings! But then — the stock market might crash! You might end up losing all your money and have to live in a ditch somewhere! Quite polarizing, isn’t it? Like many things, investing comes with risks and rewards. But before you look at investment products and start counting your eggs before they hatch, there are a few crucial steps you should take. You’ll need to assess your current financial situation to make the best investment plan. Here’s how to make sure you’ll start off on the right foot…
  • Get Ahead In The Workplace With These Skills!

    imoney
    24 Mar 2015 | 6:29 pm
    There’s more to getting ahead in the workplace than meeting quotas and showing up on time. “These days, just doing your job isn’t enough — you have to constantly expand your role, learn new skills, and grow your network if you want to stay relevant,” writes Dan Schawbel, career and workplace expert. No matter what your position in the company, you can get ahead in the workplace by working on these three skills: 1. Learn a new language. Photo: Shutterstock “’I feel pretty stupid that I don’t know any foreign languages,” Bill Gates once said. So get one up on one…
  • Road Trip Hotspots For Holy Week

    imoney
    22 Mar 2015 | 8:23 pm
    For the upcoming Holy Week, everyone in Manila will be in a mad rush to leave the city for a few days of rest, relaxation, and reflection. Don’t know where you should go? We’ve picked a road trip destination for every interest. So if you’re into nature, feel like going for a hardcore hike, or just feel like chilling on the beach or going on a food trip, we’ve got you covered. Read on for the best road trip hotspots for Holy Week in Luzon: For nature and history lovers: Naga City, Camarines Sur Photo: Geopoet / CC-BY-SA-3.0 What’s there: Naga City is famous for its historical…
  • The Top 10 Highest Paying Jobs In The Philippines In 2015 [Infographic]

    imoney
    19 Mar 2015 | 6:00 pm
    We all want a good job that pays well. Salary is one of the main concerns jobseekers take into account when choosing a career path or applying for a job. So which ones are the top 10 highest paying jobs in the Philippines in 2015? JobStreet.com’s Annual Salary Report for 2015 is out, and it’s good news for IT specialists, especially employees in IT – Software and IT – Network, System, and Database Administration! No matter if you’re a fresh grad or a manager, specializing in IT will give you a good salary as the industry is booming. To compile this list, JobStreet.com focused on…
 
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    FinancingLife.org

  • What is an ETF? Part 3 of 3 (video)

    Rick Van Ness
    15 Mar 2015 | 12:44 pm
    Summary of video: What is an ETF Mutual Fund? Key points about an ETF from this video: Has slightly less overhead than an open-ended mutual fund Can dynamically grow and shrink Can have very low annual expenses (expense ratio) Most ETFs are not actively managed Link to first video: What is an ETF? Part 1: Open Ended Mutual Funds Link to last video: What is an ETF? Part 2: Closed Ended Mutual Funds Transcript of What is an ETF? Part 3: Exchange Traded Funds So far we looked at open-end mutual funds that can grow and shrink depending on how many investors want to invest in that fund. They can…
  • What is an ETF? Part 2 of 3 (video)

    Rick Van Ness
    15 Mar 2015 | 12:41 pm
    Summary of video: What is an ETF? Part 2: Closed Ended Mutual Funds Key points from this video: You don’t need to learn about closed end funds, but his discussion might help you understand what it means that most mutual funds are open-ended. Closed-end funds are also similar to ETFs, so this may help you understand that. Don’t concern yourself with closed-end funds too much because there is no circumstance where this would be a better idea than low-cost index funds that are open-ended. In an open ended fund (the most common type of mutual fund), when an investor wants their money…
  • John Bogle Says: Don’t Trade ETFs! (video)

    Rick Van Ness
    14 Mar 2015 | 3:25 pm
    Summary of video: John Bogle Says: Don’t Trade ETFs! For long-term investments, Jack Bogle says using either ETFs or the traditional index funds can be a perfectly intelligent strategy. At Vanguard they both own the exact same portfolio. And for investments greater than $10,000 the costs are identical. His objection is the basic ETF selling proposition, which is the ability to get out of the market in the middle of the day. Market timing or speculation is gambling. Anything other than total market funds is another form of speculation. Buy the broad market indexes and don’t trade…
  • ETF investing: Why John Bogle Doesn’t Like ETFs (video)

    Rick Van Ness
    14 Mar 2015 | 3:12 pm
    Summary of video: ETF investing: Why Jack Bogle Doesn’t Like ETFs Actually, for long-term investments, Jack Bogle couldn’t care less whether an investor prefers ETF investing or the traditional index funds. At Vanguard they both own the exact same portfolio, and for investments greater than $10,000 the costs are identical. His objection is to those who believe there is an advantage to being able to trade all day long. Speculation is gambling. Anything other than total market funds is another form of speculation. Transcript of ETF investing: Why Jack Bogle Doesn’t Like ETFs…
  • What is an ETF? Part 1 of 3 (video)

    Rick Van Ness
    14 Mar 2015 | 1:37 pm
    Summary of video: What is an ETF? Part 1: Open Ended Mutual Funds Key points from this video: You don’t need to learn about closed end funds, but his discussion might help you understand what it means that most mutual funds are open-ended. Closed-end funds are also similar to ETFs, so this may help you understand that. Don’t concern yourself with closed-end funds too much because there is no circumstance where this would be a better idea than low-cost index funds that are open-ended. Mutual funds are regulated by the Securities and Exchange Commission (SEC) in the U.S. Fund…
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    Personal Finance Advice

  • Saving on Groceries: Easier than you Think

    Chris Bibey
    20 Mar 2015 | 6:03 am
    When you step foot into a local grocery store, you will have two things on your mind: Finding and buying everything you need Saving money along the way It is easy to put a variety of items in your cart. It is not so easy to check-out, knowing that the final total could be more than you wanted to spend. While many people are resigned to the fact that they will overspend on groceries, you don’t have to go down this path. Instead, use these tips to your advantage: Buy what’s on sale. It may not be what you want, but it could go a long way in saving you money. No matter which store you visit,…
  • Don’t Buy a New Car Until you Answer these Financial Questions

    Chris Bibey
    27 Feb 2015 | 6:11 am
    Has the thought of buying a new car overcome your mind? Are you ready to make a deal happen? While you don’t want to kill your excitement, it is important to first consider what you are doing from a financial point of view. Here are three financial questions to answer before signing on the dotted line: Would you be better off purchasing a used vehicle? This is a question many people struggle to answer. The primary benefit is the ability to save money when compared to a similarly equipped new car. On the flipside, you are not going to be the first owner. For this reason, it can be difficult…
  • 3 Reasons you Need an Emergency Fund

    Chris Bibey
    30 Jan 2015 | 6:06 am
    When you look at your emergency fund what do you see? While some people are happy with the amount of money they have saved, others come to realize the following: they need to make up ground in a hurry. Nobody wants to be faced with an emergency, but you never know what is going to happen in the future. Why not prepare for the worst but hope for the best? Here are three reasons why you need an emergency fund: Home repairs. No matter what type of home you live in, there could come a time when you are in desperate need of a repair. Did your furnace break? Do you need a new roof? Is your basement…
  • 3 Reasons to Use LinkedIn even if you have a Job

    Chris Bibey
    17 Dec 2014 | 6:38 am
    As the “World’s Largest Professional Network,” many people are under the impression that LinkedIn is only beneficial when searching for a job. While this is a great time to turn your attention to the service, there are other situations in which you should do the same. Here are three reasons to use LinkedIn, even if you have a job you plan on keeping well into the future: The future is unclear. Just because you have a job now doesn’t mean this will always be the case. You never know when something could change and you find yourself searching for another position. The more connections…
  • Save your Small Business Money in 2015

    Chris Bibey
    12 Dec 2014 | 6:14 am
    With the new year right around the corner, the time has come to look towards the future. As a small business owner, this means making changes that will help your company reach new heights. While there is nothing wrong with spending money, especially if you are getting something in return, you don’t want to go overboard to the point of being wasteful. As we move into 2015, there are small steps you can take to save your business big money. A few adjustments here and there could save you thousands. These three ideas will get you in the right frame of mind: Cut back on the use of office…
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    Mad Fientist

  • Adventures Abroad

    The Mad Fientist
    16 Mar 2015 | 6:29 am
    One of my favorite parts of any trip is when the plane breaks through the clouds and you can see the new world you’re about to enter. The buildings are different, the landscape is different, and it’s the first time you realize you’re not in Kansas anymore. This experience is even better after a really long flight because the sleep depravation and drastic disruption of routine only adds to the surreal feeling of entering another world. We were lucky to have that experience multiple times over the last few months during our incredible Early Retirement Preview. We visited Czech…
  • 30% Higher Net Worth in Just One Year

    The Mad Fientist
    26 Jan 2015 | 4:38 am
    I’ve been looking forward to writing this article for a long time. As you know, we’ve been running a little experiment here to see how all the strategies I write about can actually impact someone’s journey to financial independence. The Guinea Pig experiment follows two people with identical incomes and identical spending on their journey to financial independence, using real-time decision-making and market returns. This is the one-year update of that experiment and due to the way taxes were computed, it is the first apples-to-apples comparison since the experiment started…
  • Geographic Arbitrage and an Early Retirement Preview

    The Mad Fientist
    22 Dec 2014 | 5:00 am
    I think the shock really hit about halfway through the flight. Although the strong smells of drying fish, the weird food, and the jet lag made the previous few days in Hong Kong unique, it wasn’t until we boarded the regional Chinese plane to Wenzhou that a bit of panic started to set in. At first, it was a normal flight and we were excited to get to the place that would become our new home for the next three months. As we sat on the flight though, the Chinese man next to us began hacking up a lung (possibly two) and depositing said lung(s) onto the floor of the aircraft. He…
  • After-Tax Contributions and a Surprise Gift from the IRS

    The Mad Fientist
    20 Nov 2014 | 8:22 am
    Isn’t the IRS great? Most people imagine the people at the IRS as stuffy, grey-suited, money-grubbing villains but I see things differently. I imagine a bunch of sexy, lab-coated fientists cooking up interesting ways to help us retire even earlier. Since they are like us, they understand the enjoyment we get out of solving complex problems and they cater to our desire to prove our intelligence by setting convoluted rules and giving conflicting guidance. Sometimes, however, when things are particularly fuzzy and even the best financial minds are unable to agree on an appropriate…
  • 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…
 
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    Getting Ahead, A Personal Finance News & Exchange

  • Corralling Financial Clutter - Part 2

    30 Mar 2015 | 12:15 pm
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/corralling-clutter-pt-239E13DD7CDE1.jpg?sfvrsn=2" title="Corralling Clutter Pt 2" style="vertical-align: middle;" /><br /> <p >Last time, we discussed the first three steps to <span style="text-decoration: underline;"><a href="http://www.usequityadvantage.com/getting-ahead/blog/2015/03/26/corralling-financial-clutter-part-1">getting control of paper clutter</a></span>. So far, we've gotten everything cleared out and sorted,…
  • Corralling Financial Clutter - Part 1

    26 Mar 2015 | 12:23 pm
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/corralling-financial-clutter0264E7FB722B620B87144ADE.jpg?sfvrsn=2" title="Corralling Financial Clutter" style="vertical-align: middle;" /><br /> Do you feel overwhelmed at the thought of getting your financial paperwork organized once and for all? If so, you're not alone. It's probably one of those nagging things on your perpetual to-do list. Yet you just can't stomach wading through hip-deep piles of paper, and then trying to figure out what to do with it all. But…
  • Curb Your Car Costs

    12 Mar 2015 | 11:22 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/curb-your-car-costs-infographic.png?sfvrsn=2" title="Curb Your Car Costs Infographic" style="vertical-align: middle;" />
  • You May Be Getting a Bonus Paycheck This Year

    26 Jan 2015 | 5:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/payroll-leap-year.png?sfvrsn=2" alt="Payroll Leap Year" title="Payroll Leap Year" /> <h1></h1> <h1>2015 is a Leap Year</h1> <p>If you're an employee who gets paid on a biweekly basis, you may be in luck this year as you'll have 27 pay periods instead of 26. This is because 26 (two week) pay periods occur every 364 days, but there are 365 days in a year. That one additional day accrues each year until eventually you have an entire extra pay period. Your…
  • Organization Tips for Your Financial Life

    19 Jan 2015 | 5:00 am
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/organization-tips-for-your-financial-life.jpg?sfvrsn=2" alt="Organization tips for your financial life" title="Organization tips for your financial life" /><br /> <br /> If you think that having a eye for stock-picking is the only important skill for successful money management, you may be underestimating the importance of staying organized. By not actively tracking and monitoring your investments, you'll miss out on opportunities to make adjustments in your strategy…
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    Rockstar Finance

  • ★ Empty Decks and Misguided Frugality

    Team
    30 Mar 2015 | 3:02 am
    “Expense reduction and optimization isn’t about avoiding the daily Starbucks or always flying out on a Tuesday. Those things help, for sure, but you need to look at expenses the same way you look at saving…” —— Photo Credit: Kayla Casey
  • ★ 5 Ways to Trick Yourself to Save More & Spend Less

    Team
    30 Mar 2015 | 3:01 am
    “At first, it’s painful. But then you begin to enjoy it, or at least realize the uncomfortableness is worth it. Realizing you spend too much money isn’t fun, but the pain that comes with massive credit card debt is worse.”
  • ★ Type II Fun – as Explained by an Astronaut

    Team
    30 Mar 2015 | 3:00 am
    “Type II fun, meaning you don’t necessarily enjoy it during the process; the true fun comes after it’s over with.”
  • ★ Financial Independence in 3 Easy Steps

    Team
    27 Mar 2015 | 3:02 am
    “Although I illustrated it here with an outrageous but very common example of high income and high spending, the principles work just as well, and are even more important if you are living on an average income.”
  • ★ Shitphone: A Love Story

    Team
    27 Mar 2015 | 3:01 am
    “I was an iPhone man once, like you. Then Shitphone changed everything.”
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    Doctor Of Credit

  • Credit Card Losing A Benefit? Ask For Compensation

    William Charles
    30 Mar 2015 | 3:45 pm
    Credit cards often have new benefits added, but they also have benefits removed or modified. Whenever this happens, you should always call in and ask for some type of compensation. This has worked extremely well for me in the past and is something I realized I haven’t talked about before. Examples Of It Working Let me give you three specific examples of this working: Chase recently removed announced that they would be removing the Lounge Club benefit on their Chase Ink cards. User Diamond sent a secured message asking for 5,000 Chase UR points as compensation and received it. American…
  • American Express Will Add A Minimum Order Size To ShopRunner Benefit

    William Charles
    30 Mar 2015 | 3:35 pm
    One of the benefits of having an American Express credit card is that you can get free access to ShopRunner (normal price is $79 annually), which gives you free two day shipping at a number of different merchants and also free return shipping on eligible items. This was a great benefit as it meant you could purchase a lot of low cost items and still get free shipping (a lot of sites require you to order $50+ to get free shipping directly from them or flat out don’t offer free shipping). Unfortunately people have received the following e-mail: So basically starting May 1st, 2015 some…
  • 15 Things Everybody Should Know About American Express

    William Charles
    30 Mar 2015 | 11:30 am
    Each & every card issuer is slightly different in what they offer and how they handle different things. I thought it would be a good idea to have a look at 15 different things everybody should know about American Express. You might know some of these already, but hopefully you’re able to find one or two useful gems that you didn’t know before. If you don’t already have an American Express card, wait for a good offer to come along. American Express is very aggressive when it comes to acquiring customers that don’t have any American Express issued credit cards and…
  • “Final” Credit Card Coming Soon – Increased Security & Budgeting Tools

    William Charles
    30 Mar 2015 | 9:26 am
    When I first saw the marketing for Final Credit Card I thought it was another “All In One Credit Card” such as Coin or Stratos (or Plastc, Wallby, Swyp) but it turns out this isn’t the case and Final will actually extend you credit themselves and act as a credit card issuer (unless this is just a white labelled product with an undisclosed partner). How It Works Final’s main selling point is security. The basic premise is that for each credit card transaction you make, Final can create a unique credit card number and use that. This means if financial data is…
  • Round Up Of All The Current Chase Southwest Bonuses

    William Charles
    30 Mar 2015 | 8:30 am
    Chase & Southwest have been sending out all sorts of targeted and non-targeted offers recently, I thought it might be helpful to list all of the current bonuses and who is eligible for what. In total Chase & Southwest offer three different cards: Southwest Airlines Rapid Rewards Plus Personal Card, Southwest Airlines Rapid Rewards Premier Personal Card & Southwest Airlines Rapid Rewards Premier Business Card. Personal Plus 50,000 points via referral. This is better than the standard 25,000 point offer but requires you to get somebodies referral link. This bonus publicly goes…
 
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    moneypantry.com

  • Quick Cash Ideas: Make Postcards from Pictures Taken on Your Phone

    Satrap
    30 Mar 2015 | 2:03 pm
    Since cell phones allow us to carry a camera at all times, many of us have gained an affinity for taking pictures. If you’re one of those people, you’ll be pleased to learn that there is a way to make money with your digital photography, even with photos you post to Instagram. It won’t cover... Read More The post Quick Cash Ideas: Make Postcards from Pictures Taken on Your Phone appeared first on MoneyPantry.com.
  • The Simple Secret of How You Can Get Rich by Working Less

    Satrap
    27 Mar 2015 | 9:37 am
    Some people work their hands to the bone just to survive, and some people kick their feet up and live in luxury. It seems really strange, but we’re used to this idea by now. Sometimes people speak about things like a “millionaire code,” or other ideas for making money that don’t require years of work... Read More The post The Simple Secret of How You Can Get Rich by Working Less appeared first on MoneyPantry.com.
  • Win $3 Playing an Online Game Created by MIT/UPenn Research Labs

    Satrap
    19 Mar 2015 | 11:10 am
    I have talked about sites that pay you to play games, before. Today, I am going to share a very fun and exciting game that is part of an experiment conducted by the researchers of the Social Innovations Lab at the University of Pennsylvania (UPenn) and the Massachusetts Institute of Technology (M.I.T.). This study revolves... Read More The post Win $3 Playing an Online Game Created by MIT/UPenn Research Labs appeared first on MoneyPantry.com.
  • 5 Ways to Get Free Xbox Codes (No Surveys)

    Chris
    18 Mar 2015 | 1:12 pm
    More and more people are playing video games these days, and it’s no wonder why. Not only have video games come a very long way in the last 30 years, but the consoles they run on make good media devices, to boot. While the new Xbox and Playstation are duking it out in a sales war,... Read More The post 5 Ways to Get Free Xbox Codes (No Surveys) appeared first on MoneyPantry.com.
  • How to Sell Your Instagram Photos for $10 a Piece

    Satrap
    13 Mar 2015 | 2:17 pm
    If you own a cell phone today, you almost definitely have a camera in your pocket at all times. And these aren’t the slouch cameras of yesteryear, no way– today’s phones have high quality cameras inside them, which has facilitated services like Instagram to become very popular, and made it a prime platform to make... Read More The post How to Sell Your Instagram Photos for $10 a Piece appeared first on MoneyPantry.com.
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    CompareHero Malaysia

  • Applying for a Credit Line: Things You Should Know

    CompareHero
    25 Mar 2015 | 6:00 pm
    As you make your way through life juggling tons of adult responsibilities, it sometimes helps to know where you can turn to for a convenient but secure source of cash. If you’re making a big one-time purchase, like home renovations or a family trip abroad, then a personal loan may be the way to go. But what if your spending habits lean more towards smaller, regular expenses like bills and school tuition fees? A personal loan may be incompatible for your needs, given certain constraints. One alternative you may consider is to apply for a credit line at your local bank. What is a Credit Line?
  • 3 Million Discounted Seats Up for Grabs in Latest AirAsia Promotion

    CompareHero
    24 Mar 2015 | 10:49 pm
    Plan a vacation ahead and score amazing deals on your air ticket with AirAsia’s Free Seats promo. AirAsia is offering 3 million discounted seats until March 29 for trips from September 1, 2015 to May 31, 2016. Domestic and international flights are up for grabs in this latest promo from AirAsia. Base fare for the promo seats start at MYR 0 and since the fuel surcharge have been removed, guests will only have to pay airport taxes and fees. Booking online is easy, especially with your credit card. So book your dream destinations now! Fly to Kuala Terengganu, Penang, Johor Bahru, Tawau, and…
  • Personal Loan for Debt Consolidation: Why It’s a Good Idea

    CompareHero
    24 Mar 2015 | 6:00 pm
    Do you want to get on top of your credit card debt? There are several ways you can manage your debt, such as with the snowball method. You can also try improving your budgeting in order to free up more cash for paying off your credit card balances. Another excellent way you can manage your credit card debt is by applying for a debt consolidation loan. What is a Debt Consolidation Loan? As the name suggests, a debt consolidation loan is a type of loan you can take out to consolidate or combine different loans. Say for example you owe MYR 1,000 on a credit card, and you have another card that…
  • Service Tax on Annual Credit Card Fees to Be Scrapped When GST Rolls Out

    CompareHero
    24 Mar 2015 | 12:23 am
    These days, most Malaysians are worrying over how the new Goods and Services Tax (GST) will affect their daily finances. With prices on everything from food to toiletries set to go up by 6% starting this April 1, the average consumer will definitely have cause for concern. Credit card holders, however, may get some small relief thrown their way. No, they’re not exempt from the GST, but they are sure to welcome the news of the MYR 50 service tax on annual credit card fees being dropped when GST rolls out. In response to the 6% GST being applied to annual fees for credit cards, the government…
  • Quick Guide to Malaysia Tax Loans

    CompareHero
    22 Mar 2015 | 6:00 pm
    Tax season in Malaysia starts from March 1 to April 30 of every year. Everyone earning from a business or profession, employment, dividends, interest, and other sources of income should be filing their income tax returns before the deadlines. But for anyone who has had to file their own taxes and compute their tax liability, there can be that sinking feeling that you get when you discover that you may not have enough money right now to cover your taxes. It’s not like you could just forget about your tax obligations. You could face fines or even jail time for failing to pay your income tax…
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    Pierre Roy & Associés

  • Paying off Credit Card Debt: It Can Take More than a Lifetime!

    Jonathan Roy
    20 Mar 2015 | 11:07 am
    September 1st, 2010, new information of major importance has made its way into your credit card statement: the time required to pay off your balance if you only make the minimum payments required. You may have been surprised to see that the time required to pay off the balance could be up to several years. Just for fun, I compared the life expectancy of some animals with the time needed to pay off credit card balances. The result is… surprising! Cet article Paying off Credit Card Debt: It Can Take More than a Lifetime! est apparu en premier sur Pierre Roy & Associés.
  • The Tax-Free Savings Account: Too Good to Be True?

    Taylor Marshall
    13 Mar 2015 | 3:12 pm
    According to Statistics Canada, the Canadian population is evidently aging. With the 50 to 54 age group being the highest in number, it goes without saying that perhaps most of us are concerned about building a solid RRSP for retirement. But let’s not forget the option of investing in a tax-free savings account is here! The tax-free savings account is definitely not something to pass up or dismiss; beginning in 2009, the TFSA (tax-free savings account) program purposes as a special vehicle for anyone (over the age of 18) who wishes to save long-term, perhaps for a major expense. In…
  • New Office Opening in Montreal Near the Jean-Talon Metro

    Pierre Roy &#38; Associés
    29 Aug 2014 | 8:11 am
    Pierre Roy & Associés is proud to announce the opening of a sixteenth office in Quebec and a seventh office on the island of Montreal. The new office is located at 1384, Jean-Talon Street East in Montreal and is easily accessible via the Jean-Talon and Fabre metro stations. The new office will be serviced by Guylaine Houle, Trustee in Bankruptcy, and Céline Esculier, Financial Reorganization Advisor. Madam Houle and Madam Esculier have many years of experience in the field of bankruptcy and insolvency. They will be happy to meet with you to assess your situation if you are having…
  • Can my tax debts be included in my bankruptcy or my proposal?

    Jonathan Roy
    26 May 2014 | 10:18 am
    At this time of year many people ask us if their tax debts (personal income taxes, company taxes, GST, PST, etc.) can be included in a personal bankruptcy or a consumer proposal. The answer is yes. Tax debts are generally included in a bankruptcy or proposal. Most people do not realize that tax debt (Revenu Québec and the CRA) are treated just like credit card debt, lines of credit, etc. In fact, a significant proportion of bankruptcies in Quebec and Canada include tax debts. However, take note that your tax debts may not be dischargeable if it is a case of fraud or a fine. Otherwise,…
  • Pierre Roy & Associés is proud to announce the opening of a new office in Saint-Jérôme

    Pierre Roy &#38; Associés
    2 Apr 2014 | 8:46 am
    SAINT-JÉRÔME, April 2nd, 2014 – Pierre Roy & Associés, trustee in bankruptcy, is proud to announce the launch of a new office at 60 rue de Martigny Ouest in Saint-Jérôme. The new office is the 15th location in Quebec for the bankruptcy trustee firm established nearly 25 years ago in L’Île-Perrot. “The area of ​​Saint-Jérôme is a growing region where we wanted to be present for many years. The stars aligned and we seized the opportunity to get closer to the people in the Laurentians,” says Jonathan Roy, director at Pierre Roy & Associés. Mr. Roy…
 
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    Money International

  • Chancellor Unlocks Annuity Trap For 5m Pensioners

    David Vaughan
    25 Mar 2015 | 10:35 pm
    Five million retirees trapped in poor paying annuities will have the chance to pull out of the deals under new rules Chancellor George Osborne will announce in Budget 2015. Osborne has confirmed that he is introducing a new law that releases the grip of financial firms on retirement income by extending flexible access pension reforms to annuities. The full details of his proposals will be published with his Budget 2015 speech on March 18. He plans to remove any restriction on annuity contracts so pensioners locked into contracts can buy or sell annuities as they please without breaching the…
  • Have You Heard The News About Your Pension?

    Martin Hughes
    24 Mar 2015 | 10:53 pm
    One in three over 55s who could benefit from the government’s new pension freedoms have no idea what they are and how they can benefit. Despite ongoing publicity and a government awareness campaign in the media and on TV, a third of people know nothing about the reforms. However, those that are aware have made significant changes to financial plans for their retirement, according to research by The Prudential. Astonishingly, 2% intend to blow their cash on cars, holidays and luxury purchases to face the consequences later. Another 33% are changing their financial plans to take advantage of…
  • Scammers Want Your Pension Cash, Warns Minister

    Patricia Smith
    24 Mar 2015 | 10:53 pm
    Financial watchdogs are warning pension savers to watch out for scammers after their cash. The Pensions Regulator (TPR) is issuing the alert ahead of new government freedoms that will let the over 55s take money from their pensions to spend how they wish. The reforms are set to start from April 6, 2015. Regulators are concerned that scammers will change take from setting up pension liberation firms seeking to defraud savers out of their cash and turn to offering duff investment advice for a high fee instead. TPR is already working with financial services firms and other government agencies to…
  • Eurozone Property Prices Slip Into A Sweet Spot

    Steven Wilson
    23 Mar 2015 | 9:47 pm
    Buying property in Europe could just have hit a sweet spot for British investors and expats as the value of the euro dives. The Pound has just hit a seven-year high against the euro, climbing to an exchange rate of 1.4 euros to the pound, an increase of around 15% over the exchange rate of 12 months ago. That means the spending power of expats and investors now packs a real punch as property prices in many favourite hot spot destinations are at their lowest for some time, while owners and banks are ready to talk to cash buyers making sensible offers. The bad news is British expats who want to…
  • Cyclone Pam Rips Through Pacific Islands

    Vicky Dixon
    23 Mar 2015 | 9:47 pm
    The latest in a series of increasingly regular and severe tropical storms has ripped through the Pacific leaving a path strewn with damaged buildings and casualties. Cyclone Pam’s 210 mph winds have ripped through flimsy shacks after carving a path of destruction across the islands of Fiji, New Guinea and Vanuatu. Unconfirmed reports put the death toll across the three island groups at more than 50, but a lack of communications and the remoteness of some islands mean an accurate casualty list may take many days to compile. Meanwhile, Pacific nations, such as Australia and New Zealand are…
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    SuperMoney!

  • Bitcoin: Wave Of The Future Or A Thing Of The Past?

    Tania Galloway
    26 Mar 2015 | 1:36 am
    For those of you who’ve heard the buzz but have no idea what it is, Bitcoin is an internationally available, anonymous, electronic form of currency (known as crypto-currency) that’s unregulated by any one government or institution. It’s traded on Bitcoin exchanges, just like other currencies are traded in stock markets. It’s been around since 2009, but gained a lot of popularity in the last couple of years, resulting in the value of one Bitcoin going almost as high as an ounce of gold, hitting $1,242 in November 2013.The Value Of A BitcoinIf you look at the historical trading charts…
  • Top 10 Things You Must Do After Starting A New Job

    Theresa Cummings
    24 Mar 2015 | 5:20 pm
    Starting a new job can be an exciting yet nerve-wracking time. Adjusting to a new workplace and new co-workers can be a challenge, and it is important to start off on the right foot with your new colleagues.To make sure you take the right steps into your new career, we offer some great advice and bits if wisdom from some experts (such as Businessinsider.com and Forbes.com) with the following tips and important things to remember:1. Start Off On The Right Foot“The first three months of any new job are an extension of the interview process,” says Amanda Augustine, career expert at…
  • Prepare To Retire Rich If You’re Under 30 And Already Have These Things Completed

    Julie Bawden-Davis
    18 Mar 2015 | 8:29 am
    You’ve heard the stories of those seemingly lucky people who have retired young and really rich, and you’d love to do the same. Bill Edgar wants you to control your financial destiny, too, which is why he wrote the book, The Minimum Wage Millionaire: How a Part Time After School Job Can Change Your Financial LifeThe book is designed to help young people skip the school of financial hard knocks he attended.“When I got my first job as a paperboy at 12 years old, I immediately took the money from my first paycheck…and bought a bottle of Coke and tons of baseball cards,” says Edgar…
  • Reverse Mortgages: When Do They Make Sense?

    Andrew Latham
    11 Mar 2015 | 5:19 pm
    Reverse mortgages are probably the most misunderstood loan product around. Depending on who you ask, they are described as abusive loans that prey on the old and poor or the panacea to all retirement problems. They are neither.Let’s be clear. Reverse mortgages are an expensive way to borrow money. Senior citizens with good credit and enough income to make monthly payments should look into cheaper alternatives, such as a home equity loan, before even considering reverse mortgages.They are a loan of last resort for senior homeowners who want to keep their homes and don’t qualify for…
  • Billion Dollar Battle At The Port

    Theresa Cummings
    9 Mar 2015 | 5:16 pm
    The battle between the dockworkers International Longshore and Warehouse Union (ILWU) and the Pacific Maritime Association (PMA) took over 9 months to settle.  From Seattle to San Diego, all 29 west coast ports in the union were affected, but the massive ports of Los Angeles and Long Beach were most critically hit.They are the two busiest seaports in the United States, combining to bring a total of 40% of the nation’s incoming container cargo, with $1 billion in goods moving through daily. During the extended dispute, shipping gridlocked and essentially came to a halt, with the Pacific…
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    Your Smart Money Moves | Personal Finance Blog

  • Is The Best Gift For A New Baby A Domain Name?

    Ted Jenkin @ Your Smart Money Moves
    28 Mar 2015 | 1:20 pm
    The birth of a baby is one of the most life changing events for a family.   As parents, friends, and family rejoice in the new addition to their family, many people often wonder what to get the infant for a baby gift.   Over the years, I’ve witnessed being showered with baby blankets, rattles, piggybanks, and designer outfits.   I’ve even bought these gifts myself.  Unfortunately, within six to twelve months most of these gifts are unusable anymore, and wind up in a box that you’ll rummage through 15 years from now.   While a Tiffany’s battle rattle might seem like a good…
  • Diamond Jewelry Valued For More Than the 4 C’s

    Ted Jenkin @ Your Smart Money Moves
    26 Mar 2015 | 8:38 am
    People are flocking to jewelry stores around the country to buy that special someone something that sparkles. So what makes one diamond more valuable than another? Ask any diamond and jewelry professional, and they will tell you the factors that influence the value of diamonds are much more complicated than the commonly referred to 4 c’s: Clarity, Color, Cut, and Carat Weight. But, the 4 c’s are really just the beginning of the factors that make up the value of a diamond. I call the remaining considerations ‘Characteristics,’ making a fifth c if you will. Characteristics include any…
  • Don’t Get Social With Your Social Security Number

    Ted Jenkin @ Your Smart Money Moves
    24 Mar 2015 | 7:27 am
    If someone gets their hands on your social security number, they can wreak havoc on your life by using your social security number illegally and assuming your identity to create numerous financial problems.   When it comes to protecting you against items such as identity theft and tax fraud, keeping your social security number sacred is in my opinion the number one priority for confidentiality within your records. Tax Returns- We have seen this type of theft escalate in droves over the past five years.  Someone who grabs your social security number can file a tax return in your social…
  • 3/24/2014 | 5 Financial Gifts to Give Your Newborn

    Ted Jenkin @ Your Smart Money Moves
    24 Mar 2015 | 4:21 am
    How to Get Rich w/ oXYGen Financial Topic: Are you financially cheating on your spouse? Taped 3/24/14 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
  • Pinterest Bathroom Remodel Ideas For Under $5,000

    Ted Jenkin @ Your Smart Money Moves
    21 Mar 2015 | 9:21 am
    Kitchens and bathrooms are the two common areas in a home they owners often want to remodel. However, when you get the bid on redoing an entire bathroom or kitchen it could give you a case of sticker shock. If you can’t stomach shelling out $10,000, $20,000, or more for a complete overhaul, then it might be time for some cool ideas to do a mini makeover without busting up your bank account. Here are five ideas from Pinterest that can give your bathroom a little makeover for less than $5,000. Vanity Sink- this could be the centerpiece in your bathroom than can make a great initial impression…
 
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    Money On Trees

  • Recognize it! Top ten scams to watch out for.

    Fabio Marrama
    26 Mar 2015 | 11:53 am
    It’s still March! Which means it’s still Fraud Prevention Month here in Canada. I recently saw a report by Global News that talked about the top ten scams to watch out for this month. Scams can come in all sorts of forms, so be on the look out to make sure you don’t become a victim this year. Equifax Canada suggests fraud accounts for 54 per cent of all cybercrimes reported to police, citing Statistics Canada data. Plus, Equifax reports that fraud-related crime costs Canada between $15-billion and $30-billion annually. The following ten scams are believed to be the most pervasive of…
  • March is Fraud Prevention Month – How to protect your finances!

    Fabio Marrama
    19 Mar 2015 | 10:50 am
    March is Fraud Prevention Month. It’s a great 31 day period to focus on making sure you’re taking the necessary steps to protect yourself.  Making sure your personal information is secure is important, it can protect you from fraudulent activity like I.D. theft which can lead to financial fraud. Fraudsters will target things like your social insurance number, any personal ID and even your home title, just to name a few. Plus, scams can come in all sorts of forms so be on the look out! Don’t be a victim this year! Take the time this March to learn how to protect yourself and in what…
  • Are You a True Entrepreneur? (Feat. Ejaz Nadeem, MA, CFP, CLU)

    Fabio Marrama
    13 Mar 2015 | 11:50 am
    Industry Canada states that, at the end of 2012, there were over one million small businesses in Canada, employing 7.7 million people. It represents almost 70% of the total private labour force. Small businesses are also experiencing rapid growth. The net increase in the number of small business was almost 22,000 over the 2008-2009 period, the latest year for which data is available. This week, we turned to Ejaz Nadeem for 8 things to consider when developing a successful business model. Ejaz is the Vice President of FirstOntario Wealth Management and has been in the industry for over 25…
  • Shake Your Money Tree Contest – Chance to Win $2500!

    Fabio Marrama
    5 Mar 2015 | 12:41 pm
    You know the old saying goes “money doesn’t grow on trees”. Not in this world at least! It’s time to shake it up! We created a money tree growing paradise all for YOU! This is our way to have a little fun. We’d like to introduce you to the Shake Your Money Tree Contest. Here’s your chance to win $2500* in a place where “money does grow on trees”. Perhaps a little cash toward your RSP contribution will help. Enter into our wonderful world. Playing our game is simple – Place your basket, shake your tree and catch those money leaves. Each leaf you catch gives you ballots to…
  • Save Money and Eat Well Too (With Anna Olson)

    Fabio Marrama
    12 Feb 2015 | 9:19 am
    I think it’s safe to say we all agree it’s important to follow a balanced diet of nutritious foods to stay healthy. However, it can be difficult at times to make smart purchases when grocery shopping. Is it because healthier foods cost more money than unhealthy food? Or is it because we don’t always know what foods are best for us? Well, that’s why we turned to the help of Celebrity Chef Anna Olson. Like myself, she believes that eating well doesn’t have to mean buying expensive foods or shopping at pricey health food stores. To be quite honest, it can actually be quite easy to eat…
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    Bankrate.com » Rates

  • Mortgage rates in Chicago, Illinois

    Mitch Strohm
    26 Mar 2015 | 7:15 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 Los Angeles, California

    Mitch Strohm
    26 Mar 2015 | 4:30 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 Los Angeles.
  • Mortgage rates in Dallas, Texas

    Mitch Strohm
    26 Mar 2015 | 4:25 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 Philadelphia, Pennsylvania

    Mitch Strohm
    26 Mar 2015 | 4:20 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 Philadelphia.
  • Mortgage rates in Boston, Massachusetts

    Mitch Strohm
    26 Mar 2015 | 4:10 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 Boston.
 
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    Stock News Desk

  • The Jamstik+: create your own music easily

    Phillip Wilson
    27 Mar 2015 | 9:34 am
    Houston, TX – (StockNewsDesk) – 03/27/2015 — The Jamstik+ is latest technology blessed smart musical instrument that has appeared to better your guitar experience. This instrument can also be termed as smart guitar. It is very much known to us that playing guitar could be a rewarding experience. We generally envy folks those who know how to play a guitar. Those who cannot play guitar, they love listening to music and keep a wild dream deep inside their heart for playing guitar someday. But this is true that playing a guitar or learning it is not an easy task to do. Hence it…
  • The Remix: Android tablet with laptop experience

    Greg Henderson
    26 Mar 2015 | 8:13 am
    Eldon, Missouri – (StockNewsDesk) – 03/26/2015 — The Remix is newly introduced to make your Android experience better. It is a big Android tablet which is capable of giving a laptop like experience. Now you can get hold of the best ever Android productivity and communication experience. The Remix is all set give you the finest experience of using and creating content, and using Android apps. The best part you will find in this gadget is using multiple apps at a time with multiple windows. The Remix is powered by a 4.4.2 base Android. Hence it can be said that this 11.6” ultra…
  • The mDrawBot: unique 4 in 1 drawing robot

    Andy Manalis
    24 Mar 2015 | 8:00 am
    Santa Barbara, CA – (StockNewsDesk) – 03/24/2015 —The mDrawBot has brought something completely new and unique to the tech market and world of art as well. It is a robot kit that can draw amazing pictures. All the parts of the robot kit can be easily assembled into four different drawing robots. The four drawing robots are mScara, mSpider, mCar and mEggBot. All the robots can draw effortlessly and perfectly as per your desire and produce amazing error free results. The robot kit is composed of Make block parts. The robots are controlled by powerful software named mDraw. The…
  • The Coros LIVE: a smart watch with long battery life

    James Smith
    23 Mar 2015 | 8:55 am
    New York City, New York – (StockNewsDesk) – 03/23/2015 — The Coros LIVE is all set to take the tech market into next stop. It is an amazing smart watch with the latest features. The concept of a smart watch may be nothing new in the tech world but Coros LIVE surely is. It will give you a stylish and casual display of a traditional watch while it will perform various other important tasks. The battery life is long, up to 6 we