Personal Finance

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  • Expected Returns by Asset Class Tool by Research Affiliates

    My Money Blog
    Jonathan Ping
    23 Apr 2015 | 1:53 am
    In the current environment of historically-high US stock valuations and historically-low interest rates, there is a lot of discussion about what investors should expect in regards to future returns. Predictions are a dime a dozen, but some are better supported than others. Research Affiliates has interactive Expected Returns tool where they freely share both their forecasts and detailed methodology. For example, here is a PDF of their equities methodology. 1st Quarter 2015 Equities 10-Year Forecast. Currently, their forecast for equities predicts that US Large-Cap and US Small-Cap stocks will…
  • Social Security Q&A: Should I File for Benefits Before I Stop Working?

    Forbes - Personal Finance
    Laurence Kotlikoff
    27 Apr 2015 | 5:00 am
    Today's question asks if it would be beneficial to file at full retirement age a few months before quitting full-time work. The answer reviews a potential scenario in which claiming early might be beneficial and explains how to find out if it would be.
  • How to avoid outliving your retirement savings

    Personal finance news - CNNMoney.com
    24 Apr 2015 | 7:46 am
    While the 4% rule may give you a good starting point, a good retirement withdrawal rate isn't always that simple.
  • Infographic: Financial Services & Social Media

    Money Watch
    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.
  • The Up-Side of Being ‘Cheap’

    Money Spruce
    Justin Weinger
    26 Apr 2015 | 3:51 pm
    Okay, we all know that being called “cheap” is usually something that is not a compliment. The fact is however that being frugal is actually very good for your finances, and offers quite a few financial rewards, which we’ll take a look at below. Enjoy. 1) Paying less in interest rates. Saving up money ahead of time will allow you to avoid borrowing so much money and paying a lot working interest when it’s time to purchase a new home or automobile. Choosing a less expensive home is also a way that frugal people save, because they don’t let their egos talk them into buying a huge…
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    I Will Teach You To Be Rich

  • Tonight: Ramit’s “Shark Tank” event on launching an online business

    Ramit Sethi
    27 Apr 2015 | 5:00 am
    Tonight, I’m hosting the “Ramit’s Shark Tank” event, where I’ll critique real business ideas and show you how to turn them into successful online businesses. I’ve taken an ebook that had mediocre sales and turned it into a $1 million product. I’ve developed an idea that tons of other people were doing, then made it into a product that sells thousands of copies a year — automatically while I sleep. And I’ve made tons of mistakes that cost me millions of dollars — mistakes you can avoid. My pain is your pleasure! The event is online, it’s free, and it starts at 9pm…
  • This is what plagiarizers don’t understand

    Ramit Sethi
    23 Apr 2015 | 6:00 am
    Once in a while, somebody decides to plagiarize my material and pass it off as his own writing. I have two problems with this, beyond the obvious emotions of wanting to tie a cannon ball around their ankles and shove them off a bridge: They take a shortcut to the thousands of hours I spent learning my craft, butchering my writing They don’t understand why I did certain things, so they just copy it all! Look closely at #2: This is the difference between a line cook, who can cook a few specific recipes…and a master chef, who truly understands how food and taste work. He can create…
  • “Ramit’s Shark Tank” – free to watch the carnage/love

    Ramit Sethi
    21 Apr 2015 | 6:00 am
    Instead of sending you another 5,000-word email on living a Rich Life and how to start an online business, I’m going to show you. Free. This time, in a “Ramit’s Shark Tank” presentation with real ideas and brutal teardowns — excuse me, “feedback” — for you. I’ll show you how to take a $10,000 idea and turn it into a $300,000 idea. I’ll show you how to take a $100,000 idea and tell you how we turned it into a $1 million idea. And I’ll take some of the worst ideas of all and bury them in front of your eyes. I’m holding it online on…
  • How I handle negative critics

    Ramit Sethi
    20 Apr 2015 | 6:00 am
    Here are some of the names I’ve been called in the last MONTH: “Scammer” “Sellout” “Rip-off artist” “He lies about everything” “Total BS…none of his stuff is good anyway” How would you feel if someone said this about you? How would little Ramit handle this? He would cry   It’s a funny quirk of human psychology: You can get tons and tons of nice comments…and then the MINUTE somebody says something negative about you, you can’t stop thinking about it. As someone who gets thousands of comments a day, I’ve had to learn this first-hand. Take a look at…
  • “Ramit’s Shark Tank”

    Ramit Sethi
    17 Apr 2015 | 6:00 am
    One of the things I love about Shark Tank is the brutal honesty that entrepreneurs get. Shark Tank is the TV show where entrepreneurs go in front of judges, pitch their idea, and either get laughed out of the room…or a major investment. Here’s a 10-year-old getting $60,000 from Daymond John for her lemonade stand.   Think about how rare it is to get honest feedback from somebody who knows what they’re talking about. These days, people are so nervous about giving candid feedback that they hide what they really think in politically correct, polite words. Giving candid…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Job search tips that work

    Honey Smith
    27 Apr 2015 | 4:00 am
    This article is by staff writer Honey Smith. You may have noticed that, since last September, many of my posts here at Get Rich Slowly have focused on the job search. Some of you may have wondered why I would write about such a topic at all, since my job tenure was over seven years. Well, it’s because I have been job-hunting. And I succeeded! As I write this, I just wrapped up my first week at a new job. So I thought it would be helpful to revisit some of the posts I wrote during that time to see what job search tips actually worked for me as I went through the process. Here’s an…
  • Ask the Readers: Cheap luggage or expensive luggage?

    Linda Vergon
    24 Apr 2015 | 4:00 am
    This article is by editor Linda Vergon. It’s spring! Don’t you just feel like hitting the road? Well, maybe you do if you don’t travel for a living. Either way, luggage. I’ve had my fair share of experiences with luggage over the years. Lost luggage, broken luggage, matching luggage — you name it. Currently, I travel with a non-descript, black roller that I can barely distinguish from anyone else’s. I bought it for $49 at Target in 2008. It replaced a smaller roller that lasted two trips and cost all of $19. (No wonder, right?) I can get away (haha) with a $49 roller because I…
  • Caring for your garden tools

    Lisa Aberle
    22 Apr 2015 | 4:00 am
    This article is by staff writer Lisa Aberle. “Spring has sprung,” as they say in my little corner of the Midwest. Our magnolia tree is in partial bloom, the daffodils and hyacinths are in full bloom, and most trees are starting to bud. I love this time of year! If you have been missing J.D. Roth’s garden posts, I plan to share periodic posts with a gardening theme. Speaking of gardening, some of our garden has been planted, the flower beds have been cleaned up, and the old grass in our pastures has been burned off. Yes, spring is here, and you know what that means: time to…
  • The fall and winter seasons of the economic cycle

    William Cowie
    21 Apr 2015 | 4:00 am
    This article is by staff writer William Cowie. (Since April is Financial Literacy Month, a number of articles will be devoted to more educational topics. This is Part III in a series about how understanding economic cycles could inform your financial decisions. Part I is Understanding economic cycles: An introduction. Part II is Recognizing economic seasons: recovery and growth.) You will recall from Part II of this short series about economic seasons that the spring of early recovery and the summer growth season resemble the corresponding seasons in nature fairly closely. In this post, we…
  • How to save money on family vacations

    Holly Johnson
    20 Apr 2015 | 4:00 am
    This article is by staff writer Holly Johnson. Earlier this month, my little family of four embarked on a much-needed spring getaway to the Caribbean. I’m sure that doesn’t sound frugal at all, but rest assured that it was. After a year of planning and a whole lot of strategizing, we were able to book that particular trip for what amounted to a boatload of hotel loyalty points, a bunch of airline miles, and around $700. I know that isn’t cheap by any means, but it was a good deal when you consider the fact that our trip price included round-trip airfare for four, a six-night…
 
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    Consumerism Commentary

  • Can You Blame Them for Not Being Invested in Stocks?

    Luke Landes
    13 Apr 2015 | 7:05 am
    After the stock market closed on Friday, my portfolio was at an all-time high. That was likely also the case for a lot of investors living in the United States who are similar to me: earning income, investing in the stock market with a buy-and-hold strategy for the future, and leaving money invested during the stickier economic times. Continuing to invest in the stock market throughout the recent recession was an essential part of long-term success with investing. Not all investors had this luxury, as the recession hit hard. Many workers lost their job and their income at the same time…
  • 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…
 
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    My Money Blog

  • AT&T Access More MasterCard® from Citi Review – Free Phone Offer (Up to $650)

    Jonathan Ping
    26 Apr 2015 | 11:17 am
    Our partner Citi has launched yet another new card, AT&T Access More MasterCard® from Citi. This AT&T co-branded card obviously targets a niche, but read on if you will be in the market for a new AT&T phone in the next year ($650 is the full price of a new iPhone 6). As such, this card took a little extra research and analysis. Be sure to read all the details before applying, so you understand how to get everything possible out of this offer. “Exclusive New Phone Offer” details. Yes, the offer screams “new phone”! But lots of ads say that. What kind of…
  • The Easiest, Fastest Homemade Pizza Dough Recipe Yet

    Jonathan Ping
    24 Apr 2015 | 12:03 am
    I’m still trying my best to cook at home at least 5 times a week, mostly avoiding the pitfalls in my cooking at home flowchart. We make pizza at least once every other week, as it tastes better than anything from the frozen aisle and is very flexible. We’ve recently topped one with leftover corned beef from St. Patrick’s Day. Suzanne Lenzer of the New York Times recently shared her own pizza dough recipe in Homemade Pizza, Easier and Faster. So let’s assume you already know that homemade pizza is better and quicker and cheaper than what you can buy at the neighborhood…
  • Expected Returns by Asset Class Tool by Research Affiliates

    Jonathan Ping
    23 Apr 2015 | 1:53 am
    In the current environment of historically-high US stock valuations and historically-low interest rates, there is a lot of discussion about what investors should expect in regards to future returns. Predictions are a dime a dozen, but some are better supported than others. Research Affiliates has interactive Expected Returns tool where they freely share both their forecasts and detailed methodology. For example, here is a PDF of their equities methodology. 1st Quarter 2015 Equities 10-Year Forecast. Currently, their forecast for equities predicts that US Large-Cap and US Small-Cap stocks will…
  • Real Estate Crowdfunding Experiment – Patch of Land

    Jonathan Ping
    21 Apr 2015 | 10:27 pm
    After I took out roughly $7,500 out of my P2P lending experiment, I started looking for another place to put my money at risk. I decided on trying out real-estate crowdfunding, which tries to make real estate investing (either through equity or debt financing) more accessible to individual investors. Right now, all of the major sites require you to be an accredited investor as defined by the SEC. Keep in mind that these investments can be quite risky and that this is an experiment with a small portion of my portfolio set aside specifically for such purposes. I’m going to be upfront; I…
  • Chase Total Checking $150 + Chase Savings $100 Bonus

    Jonathan Ping
    21 Apr 2015 | 10:25 pm
    Here’s a Chase Bank Total Checking + Savings account promotion offering up to $250 total for new customers, broken up into the following two bonuses: Chase Total Checking $150 Bonus details. Checking offer is not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. To receive the $150 checking bonus (taken directly from their offer page): Open a new Chase Total Checking account, which is subject to approval; Deposit $25 or more at account opening; Have your direct deposit…
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    Steve-olson.com

  • 12-Year-Old Creates Game for iOS, Android, and HTML5 – Gravity Lines

    Steve
    21 Apr 2015 | 1:05 pm
    Over 8 years ago I wrote a post titled 10 Things I Learned From My 4-Year-Old and it generated a lot interest and controversy on Reddit. Today my son Niklas is 12 years old and he still teaches me things everyday. Now he has accomplished an amazing thing that I promised him I would share with all of you. At 12-years-old Nik has published his first app to iOS and Android! I’ve linked to it at the bottom of this post and I want to encourage you to download the app, rate it, and give it a review. It is a simple game where a line moves along a platform and you tap the screen to flip it to the…
  • How to Be a Luckier Person

    Steve
    15 Apr 2015 | 9:00 am
    When discussing a wildly successful person, I’m sure you’ve heard this: “He was at the right place and the right time. Sure it was a good idea but it was mostly luck.” Some negative nabob throws a wet blanket on the idea that ordinary people can accomplish extraordinary things. However, there is an element of truth to this statement. Success does have a large component of luck but there is more to the story. Was Bill Gates in the right place at the right time with the right idea? Yes. Was that luck? Yes. Were the Beatles in the right place at the right time with the right music? Yes,…
  • Judgmentalism Hurts You

    Steve
    13 Apr 2015 | 11:00 am
    A friend pointed out how judgmentalism holds people back. (I know some of you are already thinking ‘judgmentalism…’is that even a word? I don’t care if it is or it isn’t, you know what I mean. So stop being so judgmental ) Judgmentalism is just as destructive as all the other -isms. She told a story about a coworker of hers who was smart, talented, and savvy, seemingly having everything one needed to climb to the next level. So what was holding him back? His judgmental view of others. He would talk behind other people’s backs and purposely exclude others. When specific names were…
  • Birthday Today – 45 Years Old!

    Steve
    17 Mar 2014 | 10:59 am
    You know, when I was 15 I didn’t think I’d live to see 18 and when I made 18, I didn’t think I’d live to see 21. Well here I am at 45 and in the best shape of my life. I’ve included a tribute to all of us who grew up in those days and made it. Here’s too ya! Just curious, if you’re still reading this blog, drop me a comment and let me know.
  • 5 Simple Ways to Build Self Confidence

    Matt Maresca
    31 May 2011 | 10:40 am
    Guest Post by Matt Maresca Having self confidence is one of the biggest keys to your success. If you do not believe in yourself, it is difficult to accomplish any worthwhile mission. Further, if you do not exude a sense of confidence, other people will not have confidence in you. Below you will find five tips for building self confidence. Don’t just think about these tips, give them a try. Allow them to work for you! 1. Start Each Day with a Smile Don’t ignore this tip because it sounds cheesy. Smiling has a special way of making you feel good about yourself and your life. When…
 
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    The Simple Dollar The Simple Dollar

  • Questions About Boots, Roth IRAs, Expense Ratios, and More!

    Trent Hamm
    27 Apr 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. Car buying dilemma 2. Buying a home with inheritance 3. Expense ratio basics 4. Daily checklist example 5. Buy it for life: boots 6. Roth IRA strategy 7. Personal finance and greed 8. Finding decent free books 9. Martial arts and children 10. Why I want financial independence 11. 529 for future children 12. Thought provoking books 13. Loans or investing first 14. Why pay for subscription music? 15. Creative…
  • 19 Things a New Homeowner Should Do Immediately to Save Money

    Trent Hamm
    26 Apr 2015 | 8:00 am
    So you’ve just moved into your nice new home. You’ve unloaded the boxes and started to unpack your life. Right now is the perfect time to walk through a checklist of ways to save money on your home for years to come. Starting on these things as early as possible will allow you to start saving money sooner rather than later. Plus, some of them will be easier to accomplish before you hang pictures or get too settled in — and lose your move-in momentum. Here are 19 things to check or do immediately that will reduce the energy and maintenance costs of your home over the long…
  • When Living for the Moment Gets in the Way of Living

    Trent Hamm
    25 Apr 2015 | 7:00 am
    A great goal isn’t one that creates “great moments,” it’s one that improves the countless ordinary moments in your life. Photo: d26b73 A few weeks ago, I was absolutely struck by this article from The Atlantic, which talks about Sarah Manguso’s recent book “Ongoingness: The End of a Diary.” Manguso’s book focuses on her personal history of keeping a diary/journal, something I’m very familiar with personally. Her perspective on keeping a diary full of events was, at least in part, pretty negative: I didn’t want to lose anything. That was…
  • How to Build Credit

    Holly Johnson
    24 Apr 2015 | 9:00 am
    When people ask how to build credit, the “chicken or the egg” conundrum often comes up. Having a solid credit history and credit score are important parts of your financial future. Here’s the problem: To get a loan for a house or car, you need to show a history of responsible use and payment of credit. However, in order to show credit history, you need a loan. So how do you get a your first loan without any credit history? The answer is usually a credit card. Although that might sound like an impossible position to be in, you can start to build your credit inch by inch with the…
  • Beating Your Pace

    Trent Hamm
    24 Apr 2015 | 7:00 am
    I love spending time outdoors in the spring. In fact, it’s a constant push and pull this time of year as I balance the need to write and the desire to get out there and walk and jog. One of my favorite things to do is go on a three mile walk/jog out of my front door. I have a loop that I take that takes me right back to my front door at the three mile mark. That walk/jog is a (mostly) daily occurrence. At the start of spring, I’m slow. I usually walk the whole distance at a reasonably brisk pace and I record the time. That’s my benchmark at the start. My goal the next day is…
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    Wise Bread

  • The 7 Most Calorie-Burning Breakfasts

    Laurel Randolph
    27 Apr 2015 | 10:00 am
    Everyone knows that breakfast is the most important meal of the day, but did you know that it can help you lose weight, too? Eating a morning meal jump-starts your metabolism, and leads to better eating throughout the day. Making smart breakfast choices can mean even better weight loss, since some...
  • 10 Things People Without Debt Do

    Kentin Waits
    27 Apr 2015 | 8:00 am
    We live in a world where car payments, credit card bills, and other forms of consumer debt are just assumed to be facts of life — as inevitable as death, taxes, or Kanye West interrupting a music awards show. Anyone lucky or disciplined enough to buck the trend gets little exposure in media....
  • Here's How Much You'd Have Today if You'd Bought Bitcoins a Few Years Ago

    Carrie Kirby
    27 Apr 2015 | 6:00 am
    Virtual currencies like Bitcoins are speculative investments, to say the least. During my time writing about the Bitcoin scene, I've met people who came into unexpected windfalls, like a team of academics who bought Bitcoins for a research project at $5-$15 each and watched the price soar,...
  • Help, I Bought a Stock Dud! — What Now?

    Tim Lemke
    27 Apr 2015 | 4:00 am
    We've all bought a stock that has failed to perform as expected, and we may have even lost a good chunk of change in the process. When you realize you've bought a "dud" of a stock, it's natural to feel a bit helpless. But things may not be as bad as they seem. Consider these ways to...
  • The Easy Way Teachers Can Earn Passive Income

    Kim Owens
    27 Apr 2015 | 2:00 am
    Teaching is a noble profession. However, for all of the important work that is done and the countless young minds that will benefit from their knowledge and passion, it doesn't usually pay so nobly. But teachers don't need to be the educational equivalents of starving artists. Especially now that...
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    Bargaineering

  • Wealth building choices of your richest neighbors

    Nick DiUlio
    27 Apr 2015 | 12:00 am
    Nick DiUlioHere’s a little secret about building wealth. There is no secret. Ask pretty much any self-made millionaire and you’ll get pretty much the same advice. They’re where they are today because they made a few smart and surprisingly simple choices. Choice 1. Spend (way) less than you earn You’d be surprised at the modest lifestyles [...]Wealth building choices of your richest neighbors from personal finance blog Bargaineering.com. This blog was posted by Nick DiUlio
  • How to compare college finanical aid packages and pick the right school

    Dawn Papandrea
    16 Apr 2015 | 12:00 am
    Dawn PapandreaIt’s that time of year, when teens and their families agonize over which college they will pay thousands of dollars to – or borrow thousands of dollars for — over the next four years. By now, acceptance letters and financial aid packages are in hand, so it’s just a matter of doing some side-by-side comparisons. [...]How to compare college finanical aid packages and pick the right school from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • When you want to travel determines when you’ll find the cheapest airline tickets

    Mitch Strohm
    6 Apr 2015 | 12:00 am
    Mitch StrohmIf you’re shopping for a great deal on a plane ticket, the best time to book depends on when you’ll be traveling. During off-peak season, on average, you’ll get the best prices on domestic fares 47 days before takeoff, according to a recent report from CheapAir.com. For summer travel – June to August – 76 [...]When you want to travel determines when you’ll find the cheapest airline tickets from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • 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
 
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    James Clear

  • Design for Default: How to Optimize Your Daily Decisions

    James Clear
    23 Apr 2015 | 10:42 pm
    You might assume that humans buy products because of what they are, but the truth is that we often buy things because of where they are. For example, items on store shelves that are at eye level tend to be purchased more than items on less visible shelves. In the best-selling book Nudge (Kindle | Audiobook), authors Richard Thaler and Cass Sunstein explain a variety of ways that our everyday decisions are shaped by the world around us. The effect that eye-level shelves have on our purchase habits is just one example. Here’s another: The ends of aisles are money-making machines for…
  • The More We Limit Ourselves, the More Resourceful We Become

    James Clear
    20 Apr 2015 | 2:29 pm
    In 1843, Soren Kierkegaard published his first major book, Either/Or (ebook), in which he tries to answer the question, “How should we live?” During a particularly interesting passage, the Danish philosopher discusses our tendency to see boredom as a negative influence and points out that we often use boredom as justification to jump continually from thing to thing. “One is weary of living in the country and moves to the city; one is weary of one’s native land and goes abroad; one is weary of Europe and goes to America, etc.; one indulges in the fanatical hope of an…
  • Announcing the 2015 Motivation and Willpower Seminar (Live Event on April 22nd)

    James Clear
    16 Apr 2015 | 8:27 pm
    Today I am excited to announce the 2015 Motivation and Willpower Seminar, which is a live online class that I will be hosting on April 22, 2015. Spring and summer are upon us and habits have a tendency to fade away when summer vacations and outdoor activities slide back into our schedules. It’s the perfect time to re-energize your efforts and learn how to maximize your willpower and motivation for the middle of the year. If you’re wondering, “Is this different than the Habits Seminar?” Yes, the Motivation and Willpower Seminar is a completely different class. But…
  • How to Declutter Your Mind and Unleash Your Willpower by Using “Bright-Line” Rules

    James Clear
    13 Apr 2015 | 10:49 pm
    “You have the right to remain silent. Anything you say or do can and will be used against you in a court of law. You have the right to an attorney. If you cannot afford an attorney, one will be appointed to you. Do you understand these rights as they have been read to you?” —The Miranda Warning IN THE SPRING of 1966, a man named Ernesto Miranda was arrested in Phoenix. The police had very little to go on, but they suspected Miranda of kidnapping and raping an 18-year-old woman ten days earlier. The officers interrogated Miranda for two hours and were rewarded for their effort:…
  • How to Stick With Good Habits Every Day by Using the “Paper Clip Strategy”

    James Clear
    9 Apr 2015 | 3:00 am
    In 1993, a bank in Abbotsford, Canada hired a 23-year-old stock broker named Trent Dyrsmid. Dyrsmid was a rookie so nobody at the firm expected too much of his performance. Moreover, Abbotsford was still a relatively small suburb back then, tucked away in the shadow of nearby Vancouver where most of the big business deals were being made. The first popular email services like AOL and Hotmail wouldn’t arrive for another two or three years. Geography still played a large role in business success and Abbotsford wasn’t exactly the home of blockbuster deals. And yet, despite his…
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    Personal Finance Advice

  • Two Huge Magma Chambers Sitting Beneath Yellowstone National Park

    Lilian Nwa
    25 Apr 2015 | 10:25 pm
    Apparently, there is more to the Yellowstone National Park than meets the eye. As described in Science Magazine, scientists had already known about a volcanic plume that exists under the Park, which “brings molten rock up from deep in the … Continue reading →
  • The Disciplined Approach to Personal Finance

    Lori Kelley
    21 Apr 2015 | 2:23 pm
    The whole subject of personal finance has been under the microscope in recent decades. Borrowing money has been a way of life across most of the developed world. There is nothing wrong with taking out loans that applicants are able … Continue reading →
  • Teens Quitting Traditional Tobacco, But Triple Percentage Increase in E-Cig Use

    Lilian Nwa
    18 Apr 2015 | 10:03 am
    Despite years of successful anti-smoking advocacy, the number of adolescents using tobacco products could increase given the popularity of electronic cigarettes, also known as personal vaporizers or e-cigs. These battery-powered devices are designed to produce “a similar feel to tobacco … Continue reading →
  • Common Ways Errors Get on Your Credit Report

    Lilian Nwa
    15 Apr 2015 | 5:19 am
    The following article was created in conjunction with Credit Sesame through Kasai Media. We expect certain information to be infallible; however, such an expectation could prove financially fatal especially as it pertains to the veracity of credit reports. According to … Continue reading →
  • What’s the Average Cost of Braces

    Lilian Nwa
    13 Apr 2015 | 2:44 pm
    For those still single, a 2013 survey of 5,500 unattached adults ages 21 and older found nearly 60 percent of men cared most about “good teeth in a potential date,” whereas 71 percent of women ranked “teeth” as essential to … Continue reading →
 
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    Mighty Bargain Hunter

  • This is how your bank feels about your loan payoff

    John Wedding
    26 Apr 2015 | 12:31 am
    As I posted about recently, we paid off our van loan, something we’re very happy about. The financial institution that held our loan recently sent us the title to the van.  They also sent a separate letter notifying us of such. Here’s the text of the letter: RE:  Loan: *******123-4567 Collateral Description:  [Our Van] Payoff Date: 03/27/2015 Dear John Wedding, The above referenced load has been paid in full. If this loan was secured by a vehicle, the lien will be released and the paper title mailed to you within 30 days unless you have a delinquent obligation to the [financial…
  • I forgot about the #1 source for tax information

    John Wedding
    7 Apr 2015 | 11:57 pm
    This week (and probably part of this weekend) I’ll be wrapping up my Tax Year 2014 activities.  As always, there will be much celebration afterwards. Since 2009 I’ve used H&R Block® Online Tax Software every year I’ve been able. In tax years 2012 and 2013, I had an investment vehicle unusual enough that the interview software wasn’t able to navigate through it, so some of the streamlining that I might have achieved had I used it every year was lost. Appreciation for depreciation Now that the complicated investment vehicle was out of my hands, I went back to using…
  • Slain debt dragon? 7 worthy uses for that payment

    John Wedding
    31 Mar 2015 | 10:16 am
    We slayed a debt dragon last week.  The carcass rots in our front yard as I write this.  The greenish-blue smoke from its nostrils abated only this morning. This past Friday marked the last of eighty-four biweekly loan payments on our Toyota Sienna. We paid off the five-year loan nearly two years ahead of schedule by rounding the payment up to the next $100 and making biweekly payments much the same way you can on a mortgage. From fire-breathing to breathing room This debt was consuming $100/week.  It no longer is.  I rather like the feeling! Getting rid of any kind of installment debt…
  • 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…
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    My Open Wallet

  • Juice is My New Financial Kryptonite

    Madame X
    21 Apr 2015 | 6:00 am
    What is it about juice that makes it so expensive sometimes?? I've always enjoyed fresh juices and smoothies made with fruits and vegetables, and they seem to be becoming more and more popular and widely available. There are green smoothie books all over the bestseller lists, and people are always talking about how great their Vitamix blenders are. You can buy all these fancy juices on Amazon, as well as various health food shops, Whole Foods, etc. and they are sometimes $10 a bottle! This is exactly the kind of thing where I'd normally dismiss it as a crazy fad designed to part stupid people…
  • Bonus Time

    Madame X
    14 Apr 2015 | 2:11 pm
    So my last post was about how tax time is usually a happy time of year... this goes hand in hand with bonus time, which is also usually a happy time of year. This year was a bit of an exception.I have mostly had jobs that involve measurable performance in some aspects, so a bonus has often been a significant part of my compensation, sometimes more than I even expected! I always remember my first job in NYC, where my salary started at $25,000. I knew that some sort of bonus would accompany that, but I don't know how much I asked about how big it could be. I was coming from a job where a bonus…
  • Time to Adjust... Withholding, and Attitude!

    Madame X
    16 Feb 2015 | 6:00 am
    Tax time is usually a happy time of year for me. The last few years, I've tended to get refunds. I know it's all a psychological game, because a big refund really means you were overpaying all year, and gave the government a free loan. If you owe money, it's like the government gave you a free loan... though interest rates are so low these days, it's pretty much a wash anyway. What is ultimately important is the net amount of tax you pay... so I try to remember that the refund isn't really like winning the lottery. But this year, although I wasn't expecting to get a big refund, I got none at…
  • Selling My Apartment, Part 2

    Madame X
    11 Feb 2015 | 6:00 am
    I found a very nice broker and we were immediately in agreement about the listing price for my apartment. It was more than what I'd agreed to with my friends, and left me some room to negotiate down a bit and pay a 6% fee and still come out with close to the same net. The broker took lovely photos, did a couple of open houses, and the offers rolled in, fast! I forget the sequence of all the various offers playing out-- we juggled around the various pros and cons of a few for several days-- there were some investors who offered a little low and didn't want to come up to match higher offers.
  • Selling My Apartment

    Madame X
    9 Feb 2015 | 6:00 am
    I realized I never wrote in much detail about selling my apartment, and it's now been over a year since that happened!As a refresher, I had owned the apartment for a couple of years when I met Sweetie. Once Sweetie came along, I gradually started to spend less and less time there, to the point where I was almost never home and kept a lot of things at Sweetie's place. This made me a bit sad, as buying my own home had been a milestone for me, financially and emotionally-- it felt great to have that independence. But as Sweetie and I gradually got to the point of being committed to each other…
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    Lazy Man and Money

  • Treat Social Security as Insurance?

    Lazy Man
    27 Apr 2015 | 6:00 am
    Last year I wrote an article, Take Social Security Early or Late? which came to the conclusion that you should take Social Security as early as possible and invest it until you need it. The theory is that you'll do as well as if you waited, but if you happen to die early, that's money that goes to your estate rather than forfeited. This is a good time to caution readers that, at the age of 39, I haven't put a lot of research into the area of Social Security. Every time I try to wrap my head around it, there are about 3.4 million minor details that change the equation completely. With…
  • Is AdvoCare a Scam?

    Lazy Man
    24 Apr 2015 | 9:00 am
    In the last couple of months, I've received a lot of comments suggesting that I look into AdvoCare. Here are some examples. Each of them had one thing in common, they had someone they loved, a friend of family member sucked in. They seemed to be looking for a way deprogram their brainwashed friend. (Usually, I point people to What to Do When a Friend Loves Woo, which is the best resource I've found.) When so many people ask about one company in such a short time, I make it a priority to give people what they want... call it customer service 101. It's going to be a long article, so let's get…
  • My Gift to Mother Earth: Solar Power Completed

    Lazy Man
    22 Apr 2015 | 6:30 am
    Fifteen months ago, a little after my second son was born, I was doing a routine exercise of reviewing my necessary expenses. I like to go through and see where we are with spending and if there's any place we can save money. It's hard to save money on car and house payments. Short of a refinance those payments are going to be set by the choices you make at the time of purchase. I got to our utility bill and I realized there might be some room there. We've switched to high-efficiency light bulb and have so much insulation that it amazes home inspectors. We picked all the low-lying fruit. I…
  • Book Review: Failure to Launch No More

    Lazy Man
    20 Apr 2015 | 11:45 am
    I usually start every book review of mine with an usual disclaimer... I usually don't like reading books. My reading speed is extremely slow and I'd prefer to have all the information distilled into 10-20 pages rather than 200 or more. I often come away thinking that the cost of reading the book is not actually the money spent on the book, but the opportunity cost of my time to read it. The book I am reviewing today is different. Failure To Launch No More by Martin Dasko is well worth your time to read it. I read it in around two hours... as I was doing a little multitasking. What about the…
  • Are Preggie Pops a Scam?

    Lazy Man
    17 Apr 2015 | 6:30 am
    A couple of months ago, a regular reader sent me an interesting email. His wife is pregnant with their first child. (Congrats!) Like most expecting mothers, she is dealing with morning sickness. Her doctor told her to suck on Preggie Pops, and if that doesn't help, to come back for another visit, and she would prescribe her something for the nausea. After driving all over town looking for Preggie Pops, the couple came home empty-handed. They turned to the internet to order some. It isn't instant relief, but it is better than nothing. Like all brilliant consumers, they looked to see what the…
 
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    No Credit Needed

  • Paying Off Our Mortgage – Update With Chart March 2015

    NCN
    31 Mar 2015 | 8:27 pm
    It’s time for an update on our progress to payoff our mortgage – early.  Our progress chart is below, but first, a few words about our mortgage. We have a fixed, conventional, fifteen-year mortgage.  Our goal is to pay it off in less than 10 years.  Our progress for the first five years was decent – and we managed to reduce the length of our mortgage by 7 months!  However, that’s much slower than we initially planned.  So, over the past few months, we have stepped up our game – and we are aiming to payoff the entire remaining amount over the next five years.
  • 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 –…
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    Free From Broke

  • Don’t Go Broke Celebrating Mother’s Day – 7 Frugal Ideas

    Glen Craig
    23 Apr 2015 | 5:31 am
    Mother’s Day is quickly approaching!  It’s easily a day you can go crazy taking care of the moms in your life.  And by going crazy I mean spending gobs of cash. It’s hard enough trying to figure out what mothers want for Mother’s Day.  Paying for it gets even trickier. That’s not good. But there are ways you can be frugal for Mother’s Day!  Keep reading and you’ll see some easy ways you can celebrate mom and be frugal as well.  You might even get extra points with mom for creating something on your own that was heartfelt. Here Are Some Frugal…
  • Free Tax Day Snacks, Giveaways and Deals 2015

    Melissa
    15 Apr 2015 | 3:13 am
    You got all your forms and receipts together to tackle your taxes. Did you file everything yet in or are you still procrastinating? If you are really one of those last minute folks then you better make sure your return is in either electronically by day’s end or post-marked by the end of the day on April 15th (expect the post office to be crowded). To help everyone get over the tax-day malaise, there are a number of stores that are offering up free tax day snacks, giveaways, and deals. These companies are helping ease your tax woes: Boston Market – Get one individual meal and…
  • File Later Or Fix A Mistake? – Extension of Time to File Taxes vs. Amended Tax Return

    Miranda
    14 Apr 2015 | 5:34 am
    This year, you have until April 15 to file your tax return (some years the date is off). But that doesn’t mean that you’re ready to file. You might want a little more time to get things together, or you might need to make changes to an already-filed return. It is important to understand the difference between a tax extension and an amended return. Read on and you’ll know for sure which of these 2 choices is right for you. Extension of Time to File Taxes If you don’t think that you will be able to complete your tax return on time, you can file a Form 4868. This short…
  • Tools to Help Organize Your Taxes

    Glen Craig
    9 Apr 2015 | 11:42 am
    This post is part of the TaxACT #BeatTheDeadline blog tour which shares tips on how to make tax time a smooth and easy process before the April 15 deadline. TaxACT provides the tools and guidance to help you confidently file taxes easy and fast. Do your own taxes today at TaxACT. You got this. When you’re down to the wire at tax time, organization is your best friend. Your best option is to stay organized year round so that you aren’t scrambling at tax time. There’s not much worse than trying to find a tax document right before you file your taxes or head to the accountant. Whether…
  • How to Fix an Error on Your Credit Report in 4 Easy Steps

    Glen Craig
    8 Apr 2015 | 3:22 am
    According to CBS News, approximately 80% of credit reports contain errors.  Should you be worried about potential errors on your credit report? YES! Here’s why – an error on your report could cause you to be denied a loan or credit when you need it. Not as serious, but still costly, errors on your credit report can cause you to be offered higher rates for loans. Imagine the effect of not having the best rate you should get on your mortgage? Errors can also clue you in to fraudulent activity in your name. Yes, someone out there could have an account open saying they are you. And…
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    Blogging Away Debt

  • Tax Setback

    Ashley
    27 Apr 2015 | 6:00 am
    Husband and I are both self-employed and, therefore, pay our own taxes (as opposed to having taxes withheld from our paycheck). We file “married filing jointly” and I knew that for 2014 we’d be teetering between two tax brackets: between paying 15% and 25%. (Side note: Doesn’t that seem like a huge jump? I don’t want to get political or anything, but the next bracket goes from 25% to 28%, which seems more reasonable. But the 15% to 25% jump hurts! Ouch!). As a result, the amount we paid for estimated quarterly taxes varied (I typically paid about 20ish percent of our income). Well,…
  • Adam and Emily Financial Update

    Adam
    25 Apr 2015 | 4:00 am
    Hello! I’d like to continue our update since we stepped away from blogging here in February 2014.   Here’s what has been going on with our real estate and our debt. Real Estate If you followed our journey previously, you’ll know that we own 2 rental properties (3 units) out of state, and also have a rented guest house at our primary home. 2014 was not a very successful year for us with our investment properties. One unit sat empty for several months during the winter, and one renter abandoned her unit, which ended up needing quite a bit of maintenance and repair.  My…
  • An update from Adam and Emily

    Adam
    24 Apr 2015 | 4:00 am
    Hello everyone! For those of you who don’t know, my wife Emily and I are former bloggers here at Blogging Away Debt. We handed over the reins in February 2014 while we were in the long, hard slog of our debt payoff. I have really enjoyed reading and commenting on the stories from the new bloggers here. Ashley and Jeffrey asked if we’d like to provide an update for the readers. So, thanks to those of you who’ve asked, and thanks to Jeffrey and Ashley for facilitating the opportunity. The last 14 months have been very active for us indeed! There are so many things to update on…
  • Goodbye, Good Friend!

    Ashley
    23 Apr 2015 | 6:00 am
    A little background information about me (this may be a review for long time readers) – husband and I are originally from Texas, then moved to southern Florida (for my Masters degree), and finally out to Arizona (for my PhD). We’ve now been here (Tucson, AZ) for nearly 6 years. But one of the bad things about moving to a place specifically for grad school and then staying there is that all your friends eventually move away! They graduate and get jobs or drop out and move back home. Either way, they leave. So although I had a lot of grad school buddies my first few years here, the further…
  • Don’t Copy My Lucky Escape

    BAD Community Member
    22 Apr 2015 | 10:24 am
    I always wanted to travel from a very young age. Even though color television was relatively new there were plenty of movies at the cinema and color magazines with articles on faraway places to feed my mind. I was never quite sure how I would realize my dreams. After all commercial passenger flight was not like it is today. As time passed it became obvious that many of these places were indeed in reach. An uncle actually spent some time in the Merchant Marine. He crossed the Pacific many times visiting lots of countries in South East Asia though he was rarely in port for long enough to…
 
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    Clever Dude Personal Finance & Money

  • Teaching The Skill Of Cashing A Paycheck

    Brock
    27 Apr 2015 | 4:00 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net We take for granted the complexity of things we do every day. They seem simple to us because we’ve done them countless times, but when we try to explain the process to someone else it comes out sounding extremely complex. I had one of these conversations with my son last week as I tried to explain to him how to cash his first paycheck. He had turned in his electronic deposit form, but he was told it would take a pay cycle or two before it would kick in. Thus, his first paycheck was a physical check which he showed me with pride…
  • Teaching A Teenager How To Budget

    Brock
    24 Apr 2015 | 5:54 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net My son recently entered the workforce with his first part-time job. Last weekend he got his first full paycheck, and I could see the excitement in his eyes. He thought he was swimming in money, and relative to any other time in his life he was right. I came home from work to find that he and a couple of friends had ordered a delivery pizza. After his friends left I found that he hadn’t asked his friends to pitch in to pay for the food. He said it wasn’t that expensive, plus he had plenty of money. That last phrase made alarm…
  • Head To Head Value Match-up: The Olive Garden vs. Noodles And Company

    Brock
    22 Apr 2015 | 5:23 am
    I’m not a big fan of eating out, simply because eating at a restaurant usually doesn’t represent a good use of my hard earned money.  Most of the time I could make the same dish with a higher quality and for a lower cost at home. The absolute worst offenders are pasta dishes. Pasta is dirt cheap, and it just grinds me how much restaurants charge for pasta dishes. The fact that Olive Garden is one of my wife’s favorite restaurants is an endless source of conflict when we do decide to go out for dinner. Recently, we went to different restaurant that may satisfy both my…
  • What Effect Would The Keystone XL Pipeline Have On Americans?

    Brock
    20 Apr 2015 | 5:17 am
    Image courtesy of suwatpo at FreeDigitalPhotos.net I’m going to do something today that as far as I can remember I’ve only done once here on CleverDude. I’m going to get all political. But don’t worry fellow money nerds, it has to do with something that we all talk about and are forced to think about almost every day. Let’s talk about price fixing, monopolies, and the price of oil and gasoline. The price of oil has shrunk in half over the last year to eighteen months from around $110 dollars a barrel to currently right around $50. The global demand for oil…
  • Clever Posts Of The Week – April 17th

    Brock
    17 Apr 2015 | 6:35 am
    Happy Friday, Clever Friends!  Changes are a brewing here at “The Dude.”  We’re contemplating discontinuing the Friday link post in favor of additional content.   We shouldn’t fear change – it’s how we grow, right?  Stay tuned, but in the meantime enjoy my favorite posts from this week! How Little Could You Spend on Food Each Week? from Money Bulldog Accountability Can Improve Results from Money Beagle The State of Savings In The United States from Money Smart Guides Sometimes Less $$$ = More Happiness… But Less Debt is Priceless from Color Me Frugal…
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    Don't Mess With Taxes

  • Cancer survivor gets $19,000 tax bill for GoFundMe donations

    skbell1
    27 Apr 2015 | 6:15 am
    As the sharing economy continues to grow, so do the associated tax problems. The Internal Revenue Service obviously is interested in folks who earn money using their autos as on-call car services or rent their homes to out-of-towners. Money collected for special projects via crowdsourcing sites also is generally viewed by Uncle Sam as taxable income, regardless of whether it's for a movie (yay Veronica Mars) or potato salad. Then there are the contributions to help out folks in need. No tax break for donors: Setting up online money-collection sites to help out folks who've encountered a…
  • Virginia dumps tax refund debit cards for paper checks

    skbell1
    26 Apr 2015 | 10:59 am
    Paper is sooooo 20th century. Even recycled paper has lost its cachet. Everything seems to be going digital. Except in Virginia. Specifically, in the Virginia Department of Taxation. The Old Dominion is going back to the future next year when it comes to state tax refunds. On March 10, Virginia's Democratic Gov. Terry McAuliffe signed into law a bill, sent to him by the Republican-controlled assembly, to do away with the state's tax refund debit card. The new law directs the state's tax department to return to issuing tax refunds as paper checks or via direct deposit. The…
  • Will Michigan voters raise the state sales tax to fix roads?

    skbell1
    25 Apr 2015 | 12:47 pm
    Here in Texas, especially the western part of the state where I grew up and communities are many miles apart, you get used to driving. So when roads start deteriorating, motorists tend to get irritated. The rage over road conditions hit a new high when some of Texas' paved roads were left to return to gravel before the citizenry voted last November to direct some of the state's reserve "rainy day" money to transportation projects. On a more local level, counties and cities still appropriate some funds for relatively rocky roads. My particular subdivision street, for…
  • It's National Tax Freedom Day! Don't forget the civilization those taxes buy

    skbell1
    24 Apr 2015 | 12:10 pm
    Today is the day this year when the nation as a whole has earned enough money to pay its total 2015 tax bill, according to data analysts at the Tax Foundation. Are you partying? Economists at the Washington, D.C., think tank have been calculating Tax Freedom Day since 1990. They use federal budget projections, data from the U.S. Census and the Bureau of Economic Analysis, and projections of state and local taxes. Click image for a larger view. Tax Freedom Day 2015 is one day later than last year, notes the Tax Foundation, primarily because of the United States' continued steady economic…
  • Wrong tax refund amount? What now?

    skbell1
    23 Apr 2015 | 7:03 pm
    Despite all the warnings, the recently wrapped 2015 filing season is shaping up, at least as far as refunds are concerned, to be about the same as last year. Internal Revenue Service filing data through April 17 shows that the number of returns the agency received and processed was, in each case, fractionally greater than at the end of the 2014 filing season. The average refund amount also was very close. It was $2,711 this year, about 1 percent larger than the average 2014 filing season taxpayer check. IRS Action Through April 18, 2014 Through April 17, 2015 Percentage change Tax returns…
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    Money Smart Life

  • Being in Debt is Easy Because Getting Out of Debt is Hard

    Kevin Mercadante
    20 Apr 2015 | 7:01 am
    Have you ever wondered why so many people are in debt? Or maybe even why you’re in debt? It’s because being in debt is easy, and that’s because getting out of debt is hard. Despite all the advice from financial advisors telling people to get out of debt, many millions are still there. Why is it so hard to get out of debt? Saying NO to Yourself The basic reason why anyone is in debt is because they spend more money than they bring in. They make up the difference with debt, which gives the illusion that they can “afford” the lifestyle that they’re living. You can reverse that cycle…
  • The Five Most Expensive Traffic Violations

    Kevin Mercadante
    14 Apr 2015 | 8:04 am
    The cost of incurring a traffic violation has gotten much higher in recent years. Fines in many jurisdictions have doubled, tripled, or even more. Even worse – because they are recurring – are the insurance surcharges that apply after most violations. And at the extreme, some violations can even result in jail time. Here is a list of what are generally the most expensive traffic violations you can have, in no particular order: 1) Reckless Driving Reckless driving is a broad category, that can be defined differently from one jurisdiction to another. Generally speaking, it is driving in…
  • The “Miracle” of Being Debt-Free

    Kevin Mercadante
    6 Apr 2015 | 6:30 am
    Many millions of people struggle with being in debt. No matter how hard they try, they don’t seem to be able to get out of it. Like yo-yo dieting, they go from one failed strategy to another, never able to get control of their debt, and to eliminate it once and for all. The problem may not be the strategy. It may have more to do with motivation. If you have a clear idea as to why you need to be debt free it might be easier to accomplish, no matter what plan you use. There’s a “miracle” of being debt-free, and if you can grasp that concept, the problem may very well take care of…
  • 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…
 
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    Queercents

  • Should LGBT Boycott Fire Island Pines & Out NYC Hotel?

    DJ
    24 Apr 2015 | 5:06 pm
    It seems each week there is another boycott to partake in from Chick-fil-a all the way to what toilet paper we use. I’ll get back to the toilet paper as I feel it is the most important thing to actually boycott right now. The big boycott right now goes to Mati Weiderpass and Ian Reisner […]
  • Free Hillary Clinton for President Stickers

    DJ
    23 Apr 2015 | 3:34 pm
    Seems not long ago we were telling you about I am Ready for Hillary Clinton for President bumper stickers although that was before she officially announced. Now the former Secretary of State has announced her candidacy and we are highly excited. Go here to claim your free sticker that says I ♥ Hillary Clinton.
  • Male Version of Hooters called “Roosters” Coming to Select U.S. Markets

    DJ
    1 Apr 2015 | 1:19 pm
    Hooters announced plans to introduce a fresh restaurant concept called Roosters. A Hooters type dining experience with an all-male wait staff. You can still get your fresh, never frozen, world-famous wings to mouth-watering burgers and fan-favorite fried pickles—all served up by the soon-to-be iconic Roosters Boys. It’s almost like a Hamburger Mary’s but unfortunately no […]
  • Free Human Rights Campaign Address Labels

    DJ
    17 Feb 2015 | 1:54 pm
    We already stocked up on our Harvey Milk stamps from the U.S. Post Office now we need some LGBT friendly mailing labels and you can score them now for free. Just fill out the form to get Free Human Rights Campaign Address Labels.  Sometimes it’s the little things that count!
  • Suze Orman to end show on CNBC

    DJ
    3 Feb 2015 | 8:55 pm
    Suze Orman is certainly one of my favorite if not most entertaining financial guru on TV. “The Suze Orman Show” final days are upon us on CNBC and will be ending in March. The financial diva is developing a new show called “Money Wars” with Telepictures, a production company that specializes in syndicated shows like […]
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    MoneyNing

  • 5 Warning Signs to Know Before Using a Real Estate Broker

    Connie Mei
    27 Apr 2015 | 5:00 am
    In many big cities, like New York, it’s common to work with a real estate broker to find an apartment. In fact, many listings are only shown exclusively through brokers. You can still find one on your own but it’s definitely much more difficult. Unfortunately, when working with a broker to find a place to live, renters have to pay really high fees. A broker fee can cost anywhere from one months rent to 18% of the yearly rent. Lets put that into perspective; for a $2,500 per month apartment that could cost up to $5,400. If you do decide to work with a broker, it’s important to know…
  • 3 Tips for Investing Your Health Savings Account (HSA) Funds

    Travis Pizel
    26 Apr 2015 | 5:00 am
    Using a Health Savings Account (HSA) as an investment vehicle can be a great way to prepare for retirement. It requires a high-deductible health insurance plan in order to participate in the HSA, but you can invest the funds however you wish. I decided to switch to a high-deductible plan with an HSA this year, since my family has low medical expenses, and so far it’s worked out perfectly. We’ve paid for some medical expenses, plus the family’s eyewear for the year, and still have a good sum of money left over. Realizing that an HSA was the right choice for my family is just…
  • Why Being Content is the Most Important Financial Principle

    Ashley Eneriz
    25 Apr 2015 | 5:00 am
    I have a confession to make. The day before I wrote my last post titled, 5 Undeniable Benefits to Living in a Small Home, my husband and I were talking about buying a larger home and a larger car. We flirted with the notion of how nice it would be to have some extra rooms in our home, a bigger yard, and a car with third-row seating (such are the romantic conversations you have once you have kids, right?). The truth is that those things would stress our budget, and truthfully, we do not even need those things. We’re simply suffering from not being content with what we have, and…
  • How to Save Money on Consumables When Living in a Big City

    Jessica Sommerfield
    24 Apr 2015 | 5:00 am
    Moving from a rural, small-town area to a decent-sized city near a major metropolis will definitely mean a higher cost of living — especially when it comes to your rent or mortgage payment. What I’ve discovered, however, is that it doesn’t necessarily require a higher cost of living across the board.  If you know how to budget and shop smart, you won’t have to spend that much more than you did before. While saving money might take a little more focus than it did before, it’s still highly achievable. Here are three tips for saving money on consumables when…
  • Should You Get Pet Insurance Coverage for Your Dog or Cat?

    Emily Guy Birken
    23 Apr 2015 | 5:00 am
    Earlier this year, my husband and I noticed that our nearly twelve-year-old greyhound was limping. Obie is a retired racer, and suffered a broken leg back in his racing days, so we’re used to seeing a slight shuffle to his gait. But this limp was worrisome, particularly since we know that greyhounds are prone to bone cancer. We took Obie to the vet, who thankfully, assured us that his limp was nothing to worry about — but the scare did get me wondering about pet insurance. Considering our dog’s age, we’re probably going to see some expensive vet bills over the next…
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    Money Blue Book

  • How to fix a broken savings strategy

    3 Apr 2015 | 1:36 pm
    The only thing that stands between me and my being a good saver is my inability to differentiate between things I want and things I need. Show me something that it would be nice to have, and I'll show you the spectacular display of mental gymnastics necessary to turn that object of desire into a nec [...]
  • 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 [...]
 
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    The Dough Roller

  • How to Cancel a Credit Card Without Crushing Your FICO Score

    Rob Berger
    25 Apr 2015 | 6:52 am
    A listener to the Dough Roller Money Podcast recently sent in a question about credit scores. He wanted to know how canceling a credit card can affect a person’s credit score. The question comes from a listener named Travis: I was curious how much closing a credit card can hurt your credit score? I understand that paying your bills on time is a major factor, as well as your C.U.R. (credit utilization ratio) and average age of credit. I ask this question because I have United Air Miles Card that I signed up for about 7 years ago, to get their free bonus miles which I ended up not using.
  • The Surprising Lifetime Cost of Car Ownership

    Rob Berger
    22 Apr 2015 | 9:20 am
    Have you ever tallied up what it costs to own a car? I don’t mean on a year-to-year basis, but the total cost of owning a car over a lifetime? According to the American Automobile Association (AAA) it costs $8,876 per year to own and operate an average car. Now if you add that up over 50 years, it comes to $443,800, based on current dollars. But I don’t think that tells the whole story. In fact, we can understand just about everything related to money by examining the financial ramifications of owning a car. So let’s look at the cost of owning a car from a different angle: The…
  • 10 Cool Apps to Help You Save More Money

    Miranda Marquit
    16 Apr 2015 | 12:09 pm
    Technology is wonderful. Not only does technology provide us with ways to amuse and inform ourselves, technology can also be very useful. One of the ways that technology can be useful in your life is by helping you save more money. There are a number of cool apps and web sites designed to help you save more money. Here are 10 places to look for help saving more money: 1. SaveUp SaveUp represents the gamification of saving money and putting it toward debt reduction or other goals. With SaveUp, you connect your financial accounts and then look for ways to save money. As you save money, you…
  • DR 171: How to Retire at 40 – Interview With Chris of Eat the Financial Elephant

    Rob Berger
    13 Apr 2015 | 7:20 pm
    Since launching the podcast in 2013, I’ve had the chance to interview folks about early retirement. It started with Mr. Money Mustache, who retired at the ripe old age of 30. Then we had Todd Tresidder on the show, a former hedge fund manager who retired at 35. More recently, we talked to Jason of Root of Good who retired at at age 33. Today we have another early retiree. Our guest is Chris who blogs over at EatTheFinancialElephant.com. Chris and his wife write about their financial journey toward early retirement. Chris is 38 and his wife is 37, and their plan is to retire at age 40.
  • How to Get An Extension of Time to File Your Tax Return

    Rob Berger
    11 Apr 2015 | 4:26 am
    Recently I Interviewed Mark Steber, Chief Tax Officer at Jackson Hewitt. The interview focused on last-minute tax tips, but he also discussed some tips on how to file an extension for your income tax return. Filing for an extension is a simple process for the most part. That is, as long as you do it right, and you don’t make some common mistakes. Here’s the basic process… Use IRS Form 4868 to File for Your Extension To get  an extension of time to file your income tax return you must complete IRS Form 4868 – Application For Automatic Extension of Time To File U.S. Individual…
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    Moolanomy Personal Finance

  • Best Banks with the Highest Interest Rate for Savings Account

    Pinyo
    14 Apr 2015 | 6:00 am
    Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. […] Read Another Article: How to Choose the Best High Yield Savings Account The Difference Between Money Market and Online Savings Accounts Savings Basics: How to Get Started with Savings Accounts Alternatives to Savings Accounts: CDs and Money Market Accounts Comparing CDs, Peer-to-Peer Lending, and Reward Checking Accounts Read the rest of Best Banks with the…
  • 5 Preparation Tips to Buy and Sell a Home Simultaneously

    Contributor
    7 Nov 2014 | 4:56 pm
    Homeowners preparing to sell their properties and immediately buy new homes must carefully organize their plans to execute smooth transitions from owner, to seller, to purchaser. Prior to making offers on homes or listing current properties, […] Read Another Article: The Cost of Buying and Selling a Home What You Need to Know About Buying Bank-Owned Foreclosure Properties How to Sell Your House Fast – 9 Tips to Get The Most From Your… Selling vs. Renting: Should You Sell Your Home or Rent It Out? Capital Gains Tax Rules on the Sale of Your Home Read the rest of 5…
  • 5% Cash Back Credit Cards, August 2014 Promotion Calendar

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

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

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

  • AT&T Access More Card from Citi Review: Free iPhone 6 or Samsung S6 (Up to $650)

    Hu$tler
    27 Apr 2015 | 2:26 am
    While Citi is an advertising partner of HustlerMoneyBlog, the opinions and beliefs in this article are those of the author alone, who makes every effort to ensure the accuracy of the information. The AT&T Access More MasterCard® from Citi is offering $650 toward the purchase of a new phone from AT&T after you spend $2,000 in purchases within 3 months of account opening. You can get any new phone such as Apple iPhone 6 or Samsung S6 with no contract! You earn 3X ThankYou Points for every $1 you spend on purchases made online at retail and travel websites along with products &…
  • EverBank Money Market Account Review: 1.40% APY for Six Months

    Hu$tler
    25 Apr 2015 | 2:39 am
    For new customers only, Everbank(see table above)offers 6-Month Bonus rate of 1.40% APY on their Yield Pledge Money Market Account up to $50K, Yield Pledge Checking up to $100K, and Small Business Checking up to $100K. Available nationwide, apply for an EverBank’s Yield Pledge MMA today to earn 1.40% APY that is guaranteed for six months. This is an excellent opportunity to make the most of your savings this holiday season and maximize the return on your money. New customers simply need to visit the EverBank’s website, open an account, and meet account balance requirements to…
  • Fandango Buy One Get One Free Movie Ticket for Visa Signature Cardholders

    Hu$tler
    24 Apr 2015 | 3:30 pm
    Fandango offers 2 For 1 Movie Tickets for All Visa Signature cardholders for every Friday good through August 21, 2015. You can purchase 2 movie tickets from Fandango on a Wednesday, Thursday or Friday, for a Friday movie showing for the price of one movie ticket. The free ticket is worth up to $19.50 value good at IMAX and other premium theaters. On the same offer page, you could also buy $25 in instantly redeemable Fandango Gift Cards and get $5 off your order available exclusively for Visa Signature cardholders. There is a limit of 4 $25 gift card per month, so essentially you can get $100…
  • IHG Rewards Club Dining Review: 1,000 Bonus Points

    Hu$tler
    23 Apr 2015 | 7:02 pm
    Sign up now to IHG Rewards Club Dining to earn 1,000 bonus IHG Rewards Club points when spend $30 or more and complete a review within 30 days. IHG Rewards Club Dining is free to join and you can earn points when dining at over 10,000 participating restaurants, bars, and clubs nationwide. Good through June 30, 2015, you’ll earn 1,000 bonus points on your first restaurant visit with the sign and dine bonus. Make sure you complete your dining review within 30 days of dining. Hint: Chase IHG® Rewards Club Select Credit Card is offering 70,000 bonus points after you spend $1,000 in the…
  • Synchrony Bank Optimizer Plus Review: 1.05% APY High Yield Savings

    Hu$tler
    23 Apr 2015 | 5:34 pm
    Synchrony Bank’s Optimizer Plus High Yield Savings(see table above) is offering 1.05% APY for all balances with interest rate compounded daily. It offers one of the best savings accounts on the internet along with a suite of other competitive online products. With the Optimizer Plus High Yield Savings account, there is no monthly fee as long as you keep a $30 minimum balance. Withdrawing money is simple whether you are doing it online, over the phone or with an optional ATM card. You can make six withdrawals per monthly statement cycle with your High Yield Savings account. Enjoy up to…
 
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    Cash Money Life | Personal Finance, Investing, & Career

  • How to File a Tax Extension

    Ryan Guina
    14 Apr 2015 | 1:51 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to File a Tax Extension. I still haven’t filed my taxes. I know, I’m running out of time. I don’t really have an excuse other than trying to do too many things at once. I should have time to finish my taxes this weekend, but for those of you looking to file for a free extension, you can still do that. The IRS allows tax payers to apply for an automatic 6 month extension to file their taxes. There is one big caveat though – if you owe money on your tax return, at…
  • 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…
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    Grad Money Matters

  • 3 Reasons To Have a Business Credit Card

    GMM
    27 Apr 2015 | 2:00 am
    If you have a business, then you might want to look into getting a credit card for it.As I always say, only do this if you are actually good at managing credit cards though. Getting a credit card for any reason is not worth it if it just leads to credit card debt.A business credit card has so many positives, and I only recently realized this. I should have done this years ago as it has helped me earn money and it has made life a little easier as well.Below are three reasons to have a business credit card. If you are currently only using a personal credit card, cash, bank account, etc., then…
  • 5 Ways To Improve The Look Of Your Office

    GMM
    22 Apr 2015 | 4:49 pm
    My last job was a complete bore. The work was hard and stressful, but still boring at the same time. It showed too. I never spent a second longer in my office than I had to and I was always practically running away from the office.This meant that my office was ugly. Since I didn’t care, I didn’t spend any time on making it look nicer.However, everything is completely different now. I’m constantly looking up different ways to improve my office because I believe that a good office that help make a person more productive, as well as making a person actually want to be in their…
  • 8 Things You Must Do Before You Even Start Looking for Clients

    Sam Baker
    22 Apr 2015 | 5:27 am
    So you have decided to give freelancing, one of the most popular money making ideas, a shot.Great!What now? Where do you get started? Well, considering that the three most important words in the world of freelancing are – clients, clients and clients, we may as well get started there.Freelancers work based on the demands of their clients, and without clients, a freelancer would be just another couch potato.Finding clients is the ultimate goal for freelancers, but before you even you start looking for clients, there are 8 things you must do.Let’s take a look at them here, and in the next…
  • Never Let a “Writers Block” Leave Your Site Paralyzed Again

    Sam Baker
    20 Apr 2015 | 2:31 am
    So you’ve found a niche for your money making ideas, identified your keywords and phrases, and set up your website. It’s time to start (and keep) adding content.After all, site visitors aren’t going to hang around long enough to see your ads or listen to your affiliate pitch if they don’t find something on the page that interests them. No matter what your monetization strategy is, you want your site to be something that provides people value so they will keep coming back for more. The only way you are going to accomplish this is by providing good, quality content.Consider good,…
  • Kaiku Visa Prepaid Card Review

    GMM
    16 Apr 2015 | 9:25 pm
    If you are looking for a prepaid card, I found the BEST one for you. I recently had the opportunity to review the Kaiku Visa prepaid card and it did not disappoint.I used the Kaiku Visa prepaid card for a little less than two months so I know I am giving an honest review today. I had no problem whatsoever with the card and it was accepted everywhere I went because of the universal Visa symbol.Below are two main questions you may be wondering when it comes to the Kaiku Visa prepaid card. If you have any other questions, please ask them in the comments and I will be sure to answer them.How…
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    Everybody Loves Your Money

  • How to Use the 10X Rule to Dominate Your Finances

    Me
    27 Apr 2015 | 7:48 am
    I’ve recently been listening to a lot of Grant Cardone’s videos on my phone. I’ll be the first to admit, I was a little turned off by him at first. You see, Grant is a top salesman who has built his business from nothing into the multimillion dollar range. He’s straightforward, unfiltered, and a little obnoxious, but yet I find myself listening to a few of his same videos over and over. They’re extremely motivating. And my favorite nugget of wisdom that comes from Grant is his 10X rule. I think the 10x rule can be a life changer for so many people. How to Apply the 10x Rule to Your…
  • The Complete Guide to Selling on Facebook Garage Sales

    Me
    22 Apr 2015 | 11:08 am
    My love for Facebook Yard Sales began a couple years ago. After trying my hand selling on Craigslist many times I was fed up with receiving tons of texts, phone calls, and emails from people who weren’t really interested in what I was selling in the first place. It was frustrating. So when Facebook Yard Sales and Garage Sales started popping up I decided to try my luck there. And wouldn’t you know it, I sold the first thing I listed within an hour, for the price I wanted. I was hooked. Now I’m convinced that Facebook Yard Sales are the place to sell lower ticket items. Here’s how to…
  • The Five Best Personal Finance Books

    Me
    19 Apr 2015 | 9:15 pm
    I was the kid who always had my nose in a book. During my (early) teenage years I was more worried about getting the highest grade on a test than I was going to the movies or shopping for clothes. My nerdiness and love for books has always been a part of me. So it’s no surprise that when I took an interest in personal finance I read every book on money my library had. Through my readings I discovered that many personal finance books are just re-hashing’s of the same things over and over. Let me cut through crap for you. These are, in my opinion, the five best personal finance books…
  • 5 Popular Work From Home Ideas

    Me
    15 Apr 2015 | 7:08 am
    More and more people are realizing that working from home is now something they can make a reality. In fact, for a lot of people, working from home is far more lucrative than working a day job – especially if you don’t have degree. If you’re wanting to get your foot in the door here are the five most popular work from home ideas. Freelance Writing Freelance writing is how I got my start online and is an easy way for anyone to quickly bring in an at home income. You don’t need any degrees or fancy certifications to become a freelance writer but you do need to be able to string words…
  • 7 Ways to Improve Your Finances Today

    Me
    12 Apr 2015 | 9:15 pm
    Sometimes it’s the quick wins that can motivate you when you feel like you’re not doing very well with your money. In your head you might think you’ll never get ahead or that the small things you do don’t matter. Those thoughts, however, couldn’t be farther from the truth. Like Mr. Money Mustache says, “Millionaires are made ten bucks at a time.” Kill those self-defeating thoughts and instead focus on making several small actions repeatedly. Get started with these seven ways to improve your finances today. Transfer $5 to Your Savings Account Five dollars might not seem like a…
 
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    CreditCards.com

  • The right age for a piggy bank

    Kelly Dilworth
    24 Apr 2015 | 4:53 am
    Toy stores are full of specially designed piggy banks promising to teach kids how to save. According to a new study published in the Journal of Consumer Affairs, however, parents may want to hold off on purchasing a brand-new piggy bank -- or opening a savings account in their child's name -- until their kids are old enough to benefit. "As children grow, they make cognitive, social and linguistic developmental gains that may be essential for using savings accounts and performing savings behaviors," writes study author Terri Friedline in the report. Kids as young as 5 or 6 may be…
  • Federal cybersecurity bills advance

    Sienna Kossman
    21 Apr 2015 | 10:00 am
    UPDATE: Both bills were passed by the House 307 to 116 on April 23 and will now be combined into one bill and moved to the Senate for review. As the list of corporate data breaches gets longer -- from Target and P.F. Chang's to Home Depot and Sony Pictures -- it may seem as if nothing can be done to stop cybersecurity threats and the theft of sensitive consumer information such as payment card and Social Security numbers. While we may not be able to completely deter hackers from going after our digital data, better understanding the threats -- and attacks -- they make against large companies…
  • Student loan problems come to light with new research

    Fred Williams
    17 Apr 2015 | 1:40 pm
    Higher education can be a risky investment, but researching a school's default rate on student loans can help save you from pursuing a costly, dud diploma.New research this week from  Federal Reserve economists sheds light on who has the hardest time repaying their student loans: People from lower-income backgrounds who ended their schooling in 2009, during the depths of the Great Recession."This is the very group of borrowers that student loans are supposed to help," said Donghoon Lee, research officer at the Federal Reserve Bank of New York.Lee was among a group of researchers who…
  • Teach kids about money by sharing your bills

    Kelly Dilworth
    17 Apr 2015 | 5:00 am
    A family in Lexington, Massachusetts, has come up with an unusual game for teaching their 11-year-old son about money: Every month, they hand over a wad of receipts and the family's monthly credit card statements and ask him to play detective. If he spots an incorrect charge on his parents' statements or notices they've been spending more than usual, he flags the charges for review. According to New York Times columnist Ron Lieber, the family's inventive "credit card scavenger hunt" game was designed to teach their son about how much it costs to live in the real world. By steeping their son…
  • Health care data breaches: Why you should be concerned

    Sienna Kossman
    15 Apr 2015 | 5:00 am
    If news broke of another retail data breach, you might not blink an eye. After all, retail security breaches seem to be occurring at a rapid pace lately, and we're still hearing about Target's data breach two years hence.But what if you learned of a health care data breach that didn't involve payment card information. Would you pay as much attention?If your answer is "no," consider the following:While compromised health care data may not specifically include credit card numbers or banking information, this type of breach has the potential to create longer lasting, more significant damage,…
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    One Frugal Girl

  • Would You Attempt to Return an Item to a Store Even If You Knew It Was Not Purchased There?

    One Frugal Girl
    26 Apr 2015 | 9:28 am
    Dear readers, I’d love to hear your thoughts on this one… Here’s the scenario. you receive duplicate gifts at an event, after noticing the duplicate item a family member turns to you and says “is there a gift slip in the bag?” When you answer “no” they say “I bought mine at Target, but I don’t have a receipt, so just take it to Walmart. They take back everything there.” This reminded me of a story from long ago. Way back in 1997 my boyfriend received a computer game for Christmas that was a duplicate of one he already owned. With the…
  • Letting Go

    One Frugal Girl
    20 Apr 2015 | 1:26 pm
    I noticed his picture while panning the shelter’s website. I sent a link to my boyfriend. (I wish I still had that email.) It said something like ‘this is the one for us.’ The little kitten was standing tall staring straight at the camera. His ears and paws seemed much too big for his tiny body. He held one paw up the air, a habit he kept for the first half of his life. Always lifting one paw when he greeted me at the door then switching to the other. Although my boyfriend, (now my husband), picked him up from the shelter I immediately felt as though he were my own. Actually…
  • Savoring Life: I Nearly Died Ten Years Ago Today

    One Frugal Girl
    15 Apr 2015 | 2:37 pm
    My first delivery was much harder than my second. The contractions were stronger, I pushed longer and ultimately spent forty-five minutes after delivery watching the doctor stitch me up. I winced in pain as I felt each stitch tear through my skin. I imagined holding my baby for hours after delivery, not laying spread eagle in pain while my husband held him. In the big scheme of things both my labor and delivery could have been much harder. I didn’t suffer any major complications and I didn’t end up with an emergency c-section. Still labor and delivery was much easier this time…
  • $50 Novica Gift Code Giveaway

    One Frugal Girl
    11 Apr 2015 | 6:00 am
    I’m hosting a contest! Hooray! The fine folks at Novica provided me with a $50 gift code to give away. NOVICA works with National Geographic to give talented artisans around the world a place to express their talents and provide access to the world market. They sell a HUGE range of unique, hand crafted items that you won’t find anywhere else. Novica recently launched the UNICEF Market. Thanks to this partnership between UNICEF and Novica every marketplace order will directly impact families and children through UNICEF’s global programs. The U.S. Fund for UNICEF’s mission is…
  • Book Review: Donkey’s Kite & The Three Little Horses and the Big Bully Donkey

    One Frugal Girl
    10 Apr 2015 | 6:00 am
    Book Description: The three horses Jack, Max, Lax and their friend Donkey are back! In Horse Valley, it’s a perfect day to go kite flying. Jack, Max, Lax, and Donkey decide to get creative by putting together their own homemade kites. However, Donkey‘s kite doesn’t work. No matter how hard he tries to get it to fly, it just keeps tumbling to the ground. How will poor Donkey get his kite to fly? A friendly goose named Gusty is delighted to help him out. In this Horse Valley Adventure, Donkey learns not to give up when all seems hopeless. The friends all learn a lesson about…
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    My Dollar Plan

  • 6 Free Online Allowance Trackers to Help Kids Manage Money

    Amanda
    27 Apr 2015 | 6:29 am
    Do you give your children an allowance, or plan to do so in the future? I remember one of the coolest times in my childhood: when we began to get an allowance. It was $5 a week, and boy did we earn it. Then again, who doesn’t “earn it” on a dairy farm? Most days we were in the barn helping Dad with the cows: getting them in and out of the barn, milking them, feeding them, feeding the calves, sweeping the walkways, scraping the manure…the list goes on and on. That $5 meant so much to us. It was like our parents trusted us with something very adult (money), and at the…
  • Discover it Miles 3% Cash Back Card

    Madison
    24 Apr 2015 | 6:29 am
    The new Discover it Miles is rolling out with a first year offer to double your miles. During the first year, you’ll earn 3 miles on each dollar. They call it a miles card, but the redemption for cash back and travel is the exact same. A mile is worth of 1 cent, which makes the card a 3% cash back card, jumping out in front of the Fidelity 2% Credit Card. It’s Free Money Friday! How to Get Your 3% Cash Back Open a new Discover it Miles card. Earn 1.5x miles on each dollar. After the first 12 consecutive billing periods that your new account is open, all miles earned will double.
  • Finance Tips: How Rich You’d Be if You Stopped Drinking Expensive Coffee

    Madison
    23 Apr 2015 | 6:29 am
    It’s time to see what is happening in personal finance outside of My Dollar Plan! Here’s a great collection of finance tips featuring saving money, making money, going to school and retirement. Featured Finance Tip Here’s How Rich You’d Be if You Stopped Drinking Expensive Coffee – $5 a Day for 40 Years Could Buy a House (in Today’s Dollars). -WiseBread Finance Reads What It Will Really Cost to Ditch Cable for à la Carte TV – A rundown of all the confirmed and rumored prices of the streaming options on the a la carte TV platter. -Gizmodo How…
  • 6 Things to Consider Before Buying a Second Home

    Don
    22 Apr 2015 | 6:54 am
    My wife and I are dreaming. We would love to own a second home. Not for rental income purposes, but for a place to get away. While the idea sounds simple enough, it really isn’t. There are many other things to think about before jumping in and buying a second home. Below are a few things you should consider before buying a second home. Things To Consider When Buying a Second Home Location. The first issue is where the house would be located. Ideally it would be close enough so that we could get there for the weekend. In other words, a few hours drive away. Luckily, we are located in place…
  • Do You Know the Difference Between an ETF and a Mutual Fund?

    Don
    21 Apr 2015 | 9:33 am
    Do you know the difference between an ETF and a mutual fund? When it comes to investing, there are many options for what type of investment to invest in. Your options include: Stocks Bonds Mutual Funds ETFs REITs Commodities Alternative Investments Most investors are familiar with the first three on that list. ETFs have become more popular in recent years. Many times, people question what the difference is between an ETF and a mutual fund. I am going to break down each investment product here so that it is clear to you. Note that I will focus more heavily on ETFs since most investors don’t…
 
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    My Financial Journey

  • Interim Retirement Nestegg Report – I broke $500,000

    MFJ
    16 Apr 2015 | 6:54 am
    Well it took a little longer than last time, but compound interest is still working its magic with my retirement nestegg. Today I officially broke through the $500,000 mark for the first time. This milestone came 14 months after the $400k milestone which was actually slower than it took to go from $300k to $400k, but this market is not exactly the magical market that existed in 2013. The more I update those tables below the more I question why I used a stupid metric like the DOW as an indicator, I think the only reason I chose it was because of the nice symmetry for when I first broke through…
  • Retirement Nestegg Report – March 2015

    MFJ
    1 Apr 2015 | 7:36 am
    Another big contribution month for my 401k due to company bonuses getting paid out this month. Overall a pretty boring month – no $40k swings or anything like that – though I expect/hope there will be some of those coming up in the future one way or the other. Volatility is the investors friend. Taxable Account – $16,030.31 (-3.15%) Traditional Rollover IRA – $36,508.31 (-1.48%) My Roth IRA – $125,964.81 (-1.95%) Wife Roth IRA – $72,647.36 (-4.11%) Traditional 401k – $230,681.99 (+0.79%) Roth/Traditional % = 41.25% (tax free) Total Retirement Nest Egg $481,832.78…
  • Retirement Nestegg – February 2015

    MFJ
    1 Mar 2015 | 6:42 am
    Well another all-time high by a long shot this month. My nestegg increased by almost $39k this month! This was in part by crazy strong returns for the stock market and the fact that I also contributed $14k to my accounts this month. The big contributions were due to two reasons. First I received a very large federal tax refund which I decided to invest entirely in Tesla Motors stock in my taxable account. I know I need to adjust my allowances – I filled out my W-4 nearly 9 years ago when I started my job and I’ve had a handful of kids since then. I also received a portion of my…
  • Retirement Nestegg Report – January 2015

    MFJ
    2 Feb 2015 | 9:30 am
    Well another all-time high and I finally put some good distance between the SP500 and myself when it comes to peformance. Last year I trailed the SP500 by 2.5-3.5% and this month I made up a lot of that ground already. It’s earnings season and a number of my big stock holdings (Netflix, Amazon, Apple, Starbucks) had some great reports and good increases in stock prices this month. Let’s hope this trend continues into February. Taxable Account – $9,719.27 (+1.19%) Traditional Rollover IRA – $35,086.77 (-0.34%) My Roth IRA – $122,362.76 (+3.89%) Wife Roth IRA –…
  • Expenses Cut in 2014

    MFJ
    5 Jan 2015 | 5:02 am
    I’ll admit it I have become comfortable when it comes to personal finance. I did a lot of research and hard work when I was in my 20s. I soaked up all of the personal finance information I could. I was as frugal as they came and I setup my future self very well by saving $100k before I turned 30 and continued to save money into my 30s. My retirement nestegg has grown at astounding (to me) rates and to be totally honest I have not done anything new or special when it came to personal finance in the last 6 or 7 years. I spend money on luxuries and don’t really flinch like I would…
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    MoneyCrush

  • Zero-Based Budgeting: Approve (and “Spend”) Every Penny

    Jackie Beck
    20 Apr 2015 | 5:00 am
    Zero-based budgeting is a less-common approach to budgeting that can benefit you. In zero-based budgeting, you approve the plans for all of your money ahead of time. You don’t just assume that it’s OK to spend on item X this month because you’ve always spent that amount in the past. Instead, you take a few minutes to think about whether or not item X is really what you want to be spending your money on. By contrast, many people who budget only plan out their fixed expenditures, leaving the more variable ones to be taken out of the “extra” that’s available…
  • Feeling Envious? Make It Work For You

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    13 Apr 2015 | 5:00 am
    We all feel envious now and then. Maybe you hear about a coworker’s promotion or something great that a friend is doing, and your gut twists a little inside. “I wish I could do that,” you think wistfully. And you almost certainly can. After all, if the other person can do it, it’s proof that it’s possible. It’s probably even likely that you can get what you want. If you let them, those feelings of envy can spur you to action instead. Take those feelings as a sign Envious feelings can be a sign that there’s something you’d like to go after. It…
  • Money Management: Where to Start?

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    6 Apr 2015 | 5:00 am
    Because money management covers such a wide variety of things, getting your finances into shape can be overwhelming at times. It can be hard to even know where to start, which can leave you paralyzed. This can be true even if you break the things you need to do down by topic. But there ARE a few strategies that can help. Here are some things to keep in mind. Choices can be changed Realize that very few things in your financial life are going to be permanent, so don’t let fear of making the wrong choice paralyze you. If it turns out that you don’t like what you’ve chosen or…
  • Ten Things Truly Wealthy People Do (That You Can Too)

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    30 Mar 2015 | 5:00 am
    When I made very little money, I felt embarrassed using coupons at the grocery store. Of course, I did it anyway because I liked being able to eat. It was only later that I realized that wealthy people might be even more apt to use coupons. After all, they understand the value of money and don’t see the point of spending extra for the sake of spending extra. There are a lot of things that wealthy people do that middle-class or poor people may avoid doing out of a fear of looking cheap. Here are some of the things I’ve personally observed. People who are well-off: 1. Spend less…
  • 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…
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    Million Dollar Journey

  • Net Worth Update April 2015 – Nobleea the Oil and Gas Engineer

    FrugalTrader
    27 Apr 2015 | 4:30 am
    Name: nobleea Age: 36 Net Worth: $747,709 Day Job: Engineering manager at oilfield services company, Teacher (wife) Family Income: $145,000 (main job), $10,000 (part time job), $70,000 (wife main job), $10,000 (wife part time job) Goals: Million dollar family net worth before 40, Retirement from primary job at 50 (for me) Notes: Owns primary house. Owns tear down house across the street. (to be torn down for new family home) We live in Edmonton where incomes are high and housing prices are fairly reasonable. Some may roll their eyes at the high family income and say that a million dollar…
  • New Mobile Friendly Design for MillionDollarJourney.com

    FrugalTrader
    19 Apr 2015 | 12:45 pm
    It’s been a long time coming, but I’ve finally launched a new design and layout for MillionDollarJourney.com! The last time this site received a new design was April 2008, which is about a century ago in internet years. The new design will attempt to keep up with the times with a cleaner layout, and most importantly, the ability for mobile devices to easily read posts. I’m also attempting to make this site more “beginner” friendly – those that are just starting out on their financial journey. On that end, I’ve written a monster 2100 word post called…
  • A Net Worth Update from QCash (he retired at age 36)

    QCash
    13 Apr 2015 | 4:30 am
    Back by popular demand, the 36 year old millionaire retiree, QCash, is back with an update. In the original interview with QCash in 2007, he explained about how he became financially free by accumulating a $1.5M net worth by the age of 36.  It’s been about 8 years since that interview, which has resulted in a lot of growth in his portfolio.  See below for the numbers. You can read QCash’s other articles on MDJ here. First, thanks to FT for allowing me to provide you all with an update.  When he asked me to do an update, I looked at my last post and realized that six years had…
  • Futurpreneur Canada Programs

    Clark
    6 Apr 2015 | 4:30 am
    If you are a younger budding entrepreneur who believes that you have what it takes to become successful including a solid business plan, then this article may be useful to you. Futurpreneur Canada (formerly known as the Canadian Youth Business Foundation or CYBF) has been involved with emerging entrepreneurs since 1996 and their services are designed to facilitate the entry of young entrepreneurs into the business world. An earlier post on this blog had discussed about the Start-up and Newcomer Programs but there is new information available at this time that warrants a separate article.
  • 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…
 
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    Bible Money Matters

  • The Latte Factor: Can It Really Help You To Retire Wealthy?

    Peter Anderson
    23 Apr 2015 | 8:02 am
    Changing your habits even just a little bit over time can mean big changes for your financial future. Can The Latte Factor help you to retire wealthy? The post The Latte Factor: Can It Really Help You To Retire Wealthy? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Jesus Was Tempted In Every Way, Including Wealth And Power

    Tim
    20 Apr 2015 | 11:05 pm
    It's easy to forget that Jesus was tempted in every way, including areas of worldly wealth and power. The post Jesus Was Tempted In Every Way, Including Wealth And Power appeared first on Bible Money Matters and was written by Tim. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Leave An Inheritance For Your Children

    Jason Price
    16 Apr 2015 | 4:55 am
    Do you plan to leave your children an inheritance? If so, what steps are you taking today to do so? The post Leave An Inheritance For Your Children appeared first on Bible Money Matters and was written by Jason Price. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Diagnose Your Check Engine Light For Free

    Peter Anderson
    14 Apr 2015 | 1:05 pm
    When your check engine light comes on, it can get expensive to get problems diagnosed. Thankfully there are now ways check the OBD-II PID codes for free. Here's how. The post How To Diagnose Your Check Engine Light For Free appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Credit Sesame Will Give You A Free Credit Score, Credit Monitoring And Identity Theft Insurance

    Peter Anderson
    12 Apr 2015 | 11:15 pm
    Credit Sesame is a service that gives you FREE monthly credit scores and credit monitoring. Here is what they have to offer, and why you should sign up. The post Credit Sesame Will Give You A Free Credit Score, Credit Monitoring And Identity Theft Insurance 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

  • Ontario Budget 2015 M’eh…

    bigcajunman
    27 Apr 2015 | 5:05 am
    The Ontario Provincial budget appeared last week to little fan fare, even though it looks to me like an austerity budget ( the media has dubbed it a Tory budget) and a long-term austerity plan, trying to balance the ever mercurial Ontario Budget (i.e. Ontario’s economy has been up and down like a dory in 20 foot swells). If you use public transit (as you should (but I don’t)) there is money there for new programs (in Toronto) but not much for other areas. I suppose they could have cut Ottawa’s Light Rail money, but there doesn’t seem to be money there for the…
  • RRIF Allowances, Bursary Changes, Budgets and #BestMoneyStories

    bigcajunman
    24 Apr 2015 | 4:59 am
    This week’s Federal Budget had plenty of election goodies for everyone, which I have already done some commenting on, but the RRIF allowance changes is an interesting choice for the Tories to choose as a plank in their Election Platform. For the opposition it is the Tories pandering to the Rich Retirees who want to avoid taxes, but to me, it just looks like the Government figuring out that folks are living longer and taking that into their calculations. The other nice thing is with the larger TFSA room, if seniors are frugal and save some of their money, they can grow it in their TFSA,…
  • How to Find the Right Tax Preparer

    bigcajunman
    23 Apr 2015 | 5:01 am
    As the tax deadline looms on the horizon, I felt folks might need a few helpful hints on how to choose the right tax preparer for you, or maybe more accurately, which tax preparers not to choose (especially if you are in a rush, the wrong decision here could end up being quite costly for you). An Accountant with a Sense of Humor? Image courtesy of iosphere at FreeDigitalPhotos.net If your prospective tax preparer has any of the following problems or character flaws, don’t choose them to prepare your taxes: If they say that they are not very good with numbers, but that doesn’t…
  • Budget 2015 What’s In It For Me ?

    bigcajunman
    22 Apr 2015 | 4:52 am
    When I say, what is in it for me (the Federal Budget for 2015), I mean ME, the BCM, since you should really read it yourself and figure out what is good (and bad) for you. What are the things that I (the Big Cajun Man) dislike about this budget? I am not fond of the “sleight of hand” accounting that is going on to claim the “balanced budget”, I am not that worried about it being balanced, and having odd pay outs on programs (and cutting programs without necessarily mentioning it), smacks of “Nortel-ian” accounting practices. Budget Cuts Image courtesy of…
  • Expensive Food in Canada in March

    bigcajunman
    20 Apr 2015 | 4:42 am
    Our friends from Stats Canada say that our basket of goods that makes up the Consumer Price Index went up only 1.2% year over year (with the year ending March 2015), which sounds just fine, but (as we know) the devil is in the details of these numbers, isn’t it? The numbers sound lovely, except if you throw gasoline out of the equation and then your numbers change by increasing by a full 1 % (i.e. 2.2%). CPI with and without Gasoline over the past little while Given that gasoline had a 19.2% price drop (year over year) there must have been something else that went up a lot to keep the…
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    Early Retirement Extreme

  • Clotheslines

    Jacob
    27 Apr 2015 | 2:38 am
    A clothesline is not just a wrestling move on WWE Monday Night Raw, it also used to be a place where people hung their wet clothes out to dry. The concept is uniquely simple. When the washing cycle is done, clothes are hung up on a taught string until they are dry. Sometimes pegs are needed to hold the clothes in place but often they aren’t . At some point I guess some genius got the idea of building a machine much like a washing machine that threw the clothes around while blowing hot air on them. Thus for $300 and little hike on the utility bill, it is possible to dry clothes today…
  • Impossible is easy

    Jacob
    26 Apr 2015 | 2:33 pm
    Jake7: Is it possible to run a mile in under 4 minutes? TruckerJohn: Haha, you are dreaming. You need at least 15 minutes to run a mile. Runnergirl: That’s not true. A 6 minute mile is a decent number for someone who runs on a regular basis. Tacho500: Yes it is possible. This man did it and many others. TruckerJohn: @Runnergirl – That hardly sounds comfortable. How do you have time to hydrate when you only have 6 minutes? Runnergirl: You don’t need to hydrate for that short a period of time, you just run. TheSun: I have been running for a few years and I run a mile in 8…
  • That word “retired”

    Jacob
    26 Apr 2015 | 2:25 am
    The word “retired” as it is commonly used and defined in the dictionary belongs to the industrial world, say the years 1920 to 2020, where it is understood in the sense of disposing of a worn out piece of machinery or employee. We can call this the social security era. This is one understanding of the word retirement. When the world was poorer with less access to information of different solutions and all followed the same solution, as seen on TV, beginning some 30 years ago, there was a transition period wherein only some old people would reach the financial independence stage.
  • It is not the supreme court, it is you …

    Jacob
    25 Apr 2015 | 2:22 pm
    The recent supreme court decision sure riled up a lot of people, but answer me this. Presuming that voters rationally make up their mind, does it not stand to reason that… If you do not like that corporations now contribute to the advertising campaigns of politicians, are you not free to not vote for the politicians in question? If you do not like that the two political parties agree on practically everything save stem cells, abortion, and gay marriage, are you not free to vote for a third party? If you do not like corporations that only look out for their shareholders or their CEOs are…
  • Why work?

    Jacob
    25 Apr 2015 | 2:18 am
    Many say they work because they need the money to support themselves (“make a living”). Of course this explanation is greatly exaggerated. Most working people in the developed world earn far more than they need to eat, be healthy and have a place to sleep. Most people, however, also want a TV, phone(s), car(s), computer(s), extra bedrooms, trips, and so on. They work because they see paying as the only means of getting the things they want. Many, therefore, simply consider work a necessary evil, which they would avoid if they could. Thus work is often pursued with the paycheck in…
 
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    2million's Personal Finance Blog

  • March 2015 Net Worth Update (+$5,216)

    2million
    13 Apr 2015 | 2:18 pm
    Highlights for MarchWe have earned approx $3,000 (in gift cards, points, and miles) through credit card signup bonuses in the part year. The last one I did in January and Im actively looking for some additional bonus opportunities.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. We booked a beach condo rental @ Myrtle Beach for $950 for a week in June. We normally try to take a beach vacation in…
  • 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…
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    Wealth Creation and Saving Strategies | OnMoneyMaking

  • 5 Tips for Succeeding in Business

    admin
    24 Apr 2015 | 7:44 pm
    Are you looking to make an impression in the business world? Or maybe you just have a great idea and are eager to share it with consumers. Whatever your reasons for starting your own brand, here are just five tips to help you achieve the fame and fortune you’ve always wanted. Know Thyself What are your strengths and weaknesses? What do you think will be your single greatest obstacle to success? Be honest with yourself in these self-evaluations. No one is watching. You don’t have to impress a job interviewer. The goal is to seriously understand where you might fail in your future…
  • Need a Lawyer?

    admin
    1 Apr 2015 | 4:25 pm
    All people hope they will be able to go through their lives without the need to hire a lawyer to represent them in a protracted legal battle. However, these situations occasionally present themselves. When you encounter a point in your life when legal action is the only way to get the compensation you deserve, it is important to hire the right lawyer for the job. This process is not as simple as picking up the phone book and calling the first name you see listed under attorneys. If you have that sort of cavalier attitude when it comes to selecting workmans comp lawyers, you will be doing…
  • 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…
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    How I Save Money.net

  • Friday Finances: April 2015 Week 4

    Lulu
    23 Apr 2015 | 11:04 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month. This week my expenses were: $17.03 on household items that I had to run to the store for because I ran out mid week. I did not have any coupons so I did not save money this week and I am now out of money that category for the…
  • Still Alive

    Lulu
    20 Apr 2015 | 6:09 am
    Hi everyone, I just wanted to let you all know I am still alive and the blog is still functional. I am just so VERY busy with school right now that I have been neglecting trying to find ways to save money. I hope to get back on track pretty soon because we all know how important it is to save money and make your money work for you. In the mean time, please enjoy these blasts from the past. Being Broke Is A State Of Mind. Here I talk about my thoughts that being broke is simply a state of mind. I think there is a big difference between being poor and being broke! Every Dollar Should Have A…
  • I Snagged A Discount Because The Sales Clerk Was Lazy

    Lulu
    12 Apr 2015 | 5:23 pm
    I am not much of a shopper and I tend to shop the sales and clearance racks before even looking at the regularly priced items. Recently I snagged a discount because the sales clerk was too lazy to go back and check the actual price of an item. I had bought a purse on clearance some time last year for under $5 and I was really happy with my purchase. I don’t know if the purse was cheaply made or if it had dry rotted but it ripped last week. I decided to look for another one and was searching the sales and clearance racks of a popular store in my area. The purse section was a bit messy…
  • 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…
 
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    Funny about Money

  • Wanna Lose the Weight? Hold the Salt

    funny
    27 Apr 2015 | 7:42 am
    Wow! I’ve gained over two pounds in two days! And over the same period, the blood pressure shot up from 124/80 to 135/75. And what might be the cause of this development? Salt. Saturday at Whole Foods I picked up an impulse buy: “sea salt and olive oil sourdough crackers.” They’re pretty good — not great, but interesting — and very salty. Also grabbed some buffalo cheese stuff from the low-cost “experiment” basket at the deli counter. Pretty good, but salty. Also at Whole Foods that day, I bought a package of (very nice!) sushi, which I consumed…
  • A Shop Vac Is a Girl’s Best Friend!

    funny
    25 Apr 2015 | 6:49 pm
    Years ago, when dear SDXB was living with me — or maybe shortly after he moved into his own palace — I took it into my pretty little head that I must have a shop vac. “Oh, no no no, little woman,” said he. “You don’t need a shop vac.” Well, of course forthwith I flew to Home Depot and bought myself a fine shop vac. And…it was one of the best buys ever for the Happy Homeowner. I can’t even count the amazing messes it’s cleaned up, from leveling Himalayan mounds of leaves to cleaning up after various repairmen to inhaling broken glass…
  • America’s Standard of Living: Are We Moving Forward?

    funny
    24 Apr 2015 | 10:07 am
    Dick Tracy’s wrist radio is here! You’d think we’d all be thrilled. The future has arrived. Back in the day, when men were men and, every morning, they competed with the kids to read the comic strips over breakfast before they went off to their mill jobs, we all thought the intrepid detective’s trademark two-way-wrist radio was the ultimate promise of the future. This was the way “progress” was taking us! By golly! And, by golly, so it came to pass. Now we have, among many other improvements, a handy-dandy two-way wrist radio that will convert your job from…
  • Comments are back…i think

    funny
    23 Apr 2015 | 10:02 pm
    So after the old Thesis theme got reinstated with a plug-in to make it mobile-friendly, a couple of readers emailed to say they couldn’t post comments. The problem doesn’t seem to be the plug-in…and Thesis is pretty far over my furry little head. It looks like changing the theme back to Twenty-Fourteen may bring back the comments function. Try it and let me know if it works!
  • Is Costco Shopping an Addiction?

    funny
    22 Apr 2015 | 1:00 am
    She took my silver spurs, a dollar and a dime, And left me cravin’ for More summer wine… Something weird is going on here. Yesterday I ran up to the Costco to pick up a month’s supply of dog meat and other Beloved Costco Necessaries. This is normally a $300 to $350 venture. But…in spite of buying two pairs of  camis ($20 + 10% sales tax) and a lifetime supply of electric toothbrush heads ($30 + etc.), and a bottle of wine ($9 + etc. + some other gouge), I only spent $202! If I took the camis back this afternoon, we could claim I spent only $180. But I’m not…
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    Lending Club Blog

  • Renaud Talks to Jim Cramer

    Lending Club
    15 Apr 2015 | 10:50 am
    A few months ago, Jim Cramer remarked that he had questions about Lending Club’s business model, and challenged Renaud to come on the show to explain it. Never one to shrink from a challenge, Renaud took him up on it, and yesterday, after his keynote presentation at LendIt, made his debut appearance on Mad Money. Watch the clip here. http://clips.shadowtv.net/media/download/31b3d169394e4a5bb078920fce5e63af/lendingclub_1.mp4 The post Renaud Talks to Jim Cramer appeared first on 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…
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    MintLife Blog | Personal Finance News & Advice

  • MintFamily with Beth Kobliner: Last-minute Advice for Parents Paying for College – Part I

    Beth Kobliner
    24 Apr 2015 | 7:50 am
    Four years of homework. Two years of SAT madness. Half a dozen AP classes. And countless hours at volleyball games, debate team competitions, and soup kitchen volunteer work. And now comes the hard part: high school seniors—and their families—have just a few days left to make some final decisions about selecting the right college. It ain’t easy. Not only is the cost of attending college at an all-time high, but financial aid packages are excessively complex, confusing, and, at times, misleading. It’s no wonder a just-released Gallup poll found that the number one financial worry for…
  • My Tax Refund: To Spend or Save? [Infographic]

    Mint.com
    23 Apr 2015 | 7:53 am
    If there’s one upside to doing your taxes, it’s the refund that you might get once you file. And while almost 40 percent of Americans who get a refund use the money to pay down debt — you may be wondering what else you can do to put your money to work. Check out this infographic courtesy of TurboTax to see where you stack up and learn about other smart ways to use that refund money.
  • 9 Ways to Save Money While Saving the Earth

    Kim Tracy Prince
    22 Apr 2015 | 6:40 am
    As we celebrate Earth Day, remember that many things you do help preserve our planet for future generations and will save money, too! Here are some suggestions for efforts you can make, big and small, to cut your costs and be kind to the environment at the same time. Food and Packaging Grow your own. You can nurture seedlings of herbs and vegetables in pots if you don’t have yard space. Try growing the vegetables that you consider pricey at the store – you won’t save much money on carrots or kale, for example, but you will if you grow some asparagus. Meanwhile you’re not…
  • Insurance Trends to Help You Save and Simplify

    CoverHound
    20 Apr 2015 | 7:52 am
    Let’s face it. Who doesn’t like saving time and money? While it may seem hard to do when you are paying for both auto and home insurance, there are ways to simplify and save. Here are a few ideas! Digital ID Cards You can do pretty much anything from your smartphone these days — including providing proof of insurance. More than half of states now accept digital forms of your insurance ID cards, via your smartphone. This means no more waiting for a new card to be sent to you or having to worry about accidentally carrying the expired version. These are the states that accept digital…
  • Kids & Cash: Tips for Managing the Piggy Bank [Infographic]

    Mint.com
    18 Apr 2015 | 2:29 pm
    As a parent, you’re the biggest influence on the way your kids will manage money, but talking to them about personal finances can be tough. With April being Financial Literacy Month — it’s a perfect time to begin the conversation! Get started with our infographic on teachable moments for children of all ages. Click on “Launch Infographic” for an expanded view. 
 
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    Money Crashers

  • 12 Simple Ways to Save on Newborn Baby Expenses

    Maurie Backman
    24 Apr 2015 | 10:30 am
    When my husband and I set out to have a second child, we never imagined we’d be blessed with a bonus baby. But sure enough, when I went for my first trimester ultrasound around the eight-week mark, there it was: the image of twins floating around in my belly. That day, we experienced a host […] 12 Simple Ways to Save on Newborn Baby Expenses is a post from the Money Crashers personal finance blog.
  • 5 Problem Solving Steps – Process & Strategies for Success

    Michael Lewis
    23 Apr 2015 | 6:15 am
    Modern humans are the greatest problem solvers the world has ever seen. While our predecessors developed primitive tools to better live in their environments, humans are the first to develop the mental acuity necessary to transform their living space. As a consequence, we thrive around the world, altering hostile, barren desert lands and freezing climates […] 5 Problem Solving Steps – Process & Strategies for Success is a post from the Money Crashers personal finance blog.
  • 11 Best Free Checking Accounts at U.S. Banks

    Brian Martucci
    21 Apr 2015 | 10:15 am
    It’s becoming increasingly difficult to find truly free checking accounts. At many banks, you’re now required to pay a monthly maintenance fee for the privilege of keeping your checking account open. Such fees can range from a few dollars to $20 or more, depending on the bank and other associated perks. To avoid these fees, you […] 11 Best Free Checking Accounts at U.S. Banks is a post from the Money Crashers personal finance blog.
  • 11 Unique & Creative Wedding Gift Ideas on a Cheap Budget

    Jacqueline Curtis
    16 Apr 2015 | 4:30 am
    When wedding season is in full swing, you can spend a big part of your personal budget celebrating the brides and grooms in your life. Of course, gifts are important tokens of love to the people you care about, but there comes a point at which they cross over from gracious to burdensome. Conventional wisdom […] 11 Unique & Creative Wedding Gift Ideas on a Cheap Budget is a post from the Money Crashers personal finance blog.
  • The Rise of Virtual Financial Robo-Advisors for Your Investments – Types, Pros & Cons

    Michael Lewis
    14 Apr 2015 | 6:15 am
    In the past five years, a new type of financial advisor has emerged to compete with traditional investment advisory firms. Funded by venture capitalists, these new advisors exploit the latest technology to offer competent investment advice in exchange for drastically reduced fees. Just as technology changed the full-service brokerage industry by lowering transaction costs and enabling online […] The Rise of Virtual Financial Robo-Advisors for Your Investments – Types, Pros & Cons is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • This is how your bank feels about your loan payoff

    John Wedding
    26 Apr 2015 | 12:31 am
    As I posted about recently, we paid off our van loan, something we’re very happy about. The financial institution that held our loan recently sent us the title to the van.  They also sent a separate letter notifying us of such. Here’s the text of the letter: RE:  Loan: *******123-4567 Collateral Description:  [Our Van] Payoff Date: 03/27/2015 Dear John Wedding, The above referenced load has been paid in full. If this loan was secured by a vehicle, the lien will be released and the paper title mailed to you within 30 days unless you have a delinquent obligation to the [financial…
  • I forgot about the #1 source for tax information

    John Wedding
    7 Apr 2015 | 11:57 pm
    This week (and probably part of this weekend) I’ll be wrapping up my Tax Year 2014 activities.  As always, there will be much celebration afterwards. Since 2009 I’ve used H&R Block® Online Tax Software every year I’ve been able. In tax years 2012 and 2013, I had an investment vehicle unusual enough that the interview software wasn’t able to navigate through it, so some of the streamlining that I might have achieved had I used it every year was lost. Appreciation for depreciation Now that the complicated investment vehicle was out of my hands, I went back to using…
  • Slain debt dragon? 7 worthy uses for that payment

    John Wedding
    31 Mar 2015 | 10:16 am
    We slayed a debt dragon last week.  The carcass rots in our front yard as I write this.  The greenish-blue smoke from its nostrils abated only this morning. This past Friday marked the last of eighty-four biweekly loan payments on our Toyota Sienna. We paid off the five-year loan nearly two years ahead of schedule by rounding the payment up to the next $100 and making biweekly payments much the same way you can on a mortgage. From fire-breathing to breathing room This debt was consuming $100/week.  It no longer is.  I rather like the feeling! Getting rid of any kind of installment debt…
  • 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…
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    Girls Just Wanna Have Funds

  • 4 Reasons to Consider Offshore Banking

    Ginger
    23 Apr 2015 | 4:00 am
    You may think setting up bank accounts in foreign countries is for the rich and famous or people who have something to hide, but the truth is diversifying your banking relationships is an extremely beneficial financial strategy. When looking outside our borders to invest, Americans can benefit from different tax laws, new investment options and foreign exchange. The best part is it can all be done with a name you already know and trust. If you’re looking for a way to gain new exposure for your personal assets here are four good reasons to consider an offshore bank. Tax advantages…
  • 5 Tips for Paying Off Student Loans

    Ginger
    22 Apr 2015 | 5:00 am
    Paying off student loans, especially when the balances often total more than a year’s salary can be an intimidating task. For those who want to get better with their student loan repayment, here are 5 tips to make it happen in less time and with less pain. Get Creative Often times the most overlooked ways to pay off student loans can be the most creative. The internet is filled with inspiring stories of real students paying off their loans. Whether you start a small side business, cram roommates into your apartment, or spend your free time taking surveys online, every little bit of effort…
  • She Wasn’t Hired Because Of Her Looks? Elizabeth Bentivegna’s Lesson In Humility And Entitlement

    Ginger
    21 Apr 2015 | 5:00 am
    When dealing with matters of gender equality, there is nothing more egregious than pulling the unsubstantiated “I wasn’t hired because I am a woman” card. The issue of women receiving unfair treatment by their male counterparts has been well-documented.  I don’t doubt for a minute that women experience scathing discrimination in STEM fields.  However, it isn’t limited to just tech – other fields experience this as well.  So many of us know what it feels like to work really hard only to be bypassed by a man with lesser qualifications.  It happens!
  • Trade Stock From Your Smart Watch? We’ve Got An App For That!

    Ginger
    20 Apr 2015 | 10:52 am
    The Apple Smart Watch launches in a few days.  And among the neat features is the ability to trade stock, open and close positions and them some – from your wrist. Hello game changer! This no doubt brings markets closer to traders than with previous applications.  Why?  This takes mobile trading to a new level. Check out some of the game changing features below: Spread bet, trade CFDs, and buy and sell stocks Get iPhone app notifications on your wrist Open positions and view markets from your watch lists Open, edit and close positions, or see all open positions and your last seven…
  • Why You Might Consider A Career In Criminal Justice – I Did

    Ginger
    16 Apr 2015 | 4:00 am
    On popular TV shows like “CSI” and “Criminal Minds,” actors play almost clairvoyant crime solvers who track down offenders and lock them up — usually in fewer than 50 minutes. The crimes depicted are usually serious because, of course, drama sells. The reality, though, is that criminal justice involves much more than just solving crimes. Most offenders are not murderers, rapists, and the like who need to be tracked down by mind-hunter squads. Some are really just petty criminals. Many suffer from addictions or mental illness or come from low socio-economic…
 
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    The Finance Buff

  • The Right And Wrong Types of Questions For Customer Service

    Harry Sit
    21 Apr 2015 | 6:50 am
    The tax season is over. I also get a break from the deluge of questions via emails and comments on my tax-related articles. A common theme goes like this: I read your article, but when I called [Fidelity, Vanguard, fill in the blank] they told me [something contradictory]. I’m surprised that customer service reps at Fidelity, Vanguard, and other financial institutions are giving tax information. It’s not their role. Customer service reps are in an execution role. If you want to do X, they will do X for you. They are not in a position to tell you whether you should do X in the…
  • How To Cut Down Tax Refund Identity Theft Fraud

    Harry Sit
    14 Apr 2015 | 7:43 am
    I received my tax refund as expected. Thankfully no one filed a fraudulent tax return using my Social Security Number. I heard tax refund identity theft is becoming more rampant these days. You file your taxes only to hear that some criminals beat you to it. They make up some numbers and they get a large refund from the IRS or from the state. Now your tax refund is put on hold pending resolution of the fraud. A popular suggestion is to file early. That’s not really a solution. You need to wait for the W-2 and 1099 forms. Criminals don’t. You can’t win that race. Making sure…
  • Tax Software Bake-Off: Self-Employed Health Insurance and ACA Premium Tax Credit

    Harry Sit
    6 Apr 2015 | 7:48 am
    Here’s an update on how different tax software handle the issue of self-employed health insurance deduction and the premium tax credit under the Affordable Care Act. First a quick recap. If you are self-employed and you buy health insurance from the exchange under the Affordable Care Act, depending on your income, you may get both a tax deduction and a tax credit but you can’t double dip with the same premium dollars paid. Figuring out how much you can claim as a deduction versus how much as a credit requires some tedious number crunching best done by a computer. For more…
  • Adjust Cost Basis for ESPP Sale In TaxACT

    Harry Sit
    4 Apr 2015 | 6:45 pm
    The new IRS regulation for selling ESPP shares acquired in 2014 or thereafter requires adjusting the basis. Otherwise you will pay double-tax on the discount. Reader Sam asked me how to do it in TaxACT. If you use TurboTax or H&R Block software, please see Adjust Cost Basis for ESPP Sale In TurboTax or Adjust Cost Basis for ESPP Sale In H&R Block Software 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…
  • Is Morningstar Losing Relevance In An Indexing World?

    Harry Sit
    31 Mar 2015 | 7:42 am
    I attended Morningstar’s online conference for individual investors a little over a week ago. To be honest, I was disappointed. It made me question whether Morningstar is losing relevance to individual investors in an indexing world. If investing is like fantasy sports — you assemble a team of players and you compete with others who also assemble a team of players — you need information on the players. You look at stats. You follow the latest development on who’s doing well, who’s not doing so well, and who got injured. Things are always in flux. You check in…
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    Maximizing Money

  • F&M Bank $250 Personal Checking Account Bonus in Tennessee

    Max Messner
    27 Apr 2015 | 8:51 am
    F&M Bank will pay you up to $250 in bonus cash when you open any personal checking account at one of their branch locations in middle Tennessee through June 20, 2015. The post F&M Bank $250 Personal Checking Account Bonus in Tennessee appeared first on Maximizing Money.
  • FutureAdvisor Investment Service up to 6 Months Managed Free

    Max Messner
    27 Apr 2015 | 8:14 am
    Get up to 6 months free of the FutureAdvisor investment management service to help you save on investment fees and improve your investment diversification. The post FutureAdvisor Investment Service up to 6 Months Managed Free appeared first on Maximizing Money.
  • Top Bonus Roundup on Maximizing Money: Updated April 24, 2015

    Max Messner
    24 Apr 2015 | 11:05 am
    Check out this review of the best recent promotions on Maximizing Money, updated on April 24, 2015. 1. Free $10 Amazon.com Promo Code - Buy $50 in gift cards to get a free $10 promo code from Amazon.com for targeted customers. 2. Southwest Rapid Rewards Card - Get 50,000 bonus points with the Southwest Rapid Cards Premier Card. 3. Citi ThankYou Premier Card - Now you can get 50,000 bonus ThankYou Points after $3,000 in purchases within 3 months. 4. AT&T Access More Card - Get a free smartphone (up to $650 value) with this new card from Citi. 5. Chase Ink Card Members Enroll in Lounge…
  • Brookline Bank $50 Personal or Business Checking Bonus in Massachusetts

    Max Messner
    24 Apr 2015 | 10:54 am
    Brookline Bank in Massachusetts will give you a $50 bonus when you open a personal or business checking account and make 3 online bill payments within 60 days of account opening. The post Brookline Bank $50 Personal or Business Checking Bonus in Massachusetts appeared first on Maximizing Money.
  • Nutmeg State Financial Credit Union $100 Business Checking Bonus in Connecticut

    Max Messner
    23 Apr 2015 | 1:37 pm
    Nutmeg State Financial Credit Union in Connecticut will give business owners a $100 Nutmeg Visa Gift Card when you open a new business checking account with no balance fees or maintenance fees. The post Nutmeg State Financial Credit Union $100 Business Checking Bonus in Connecticut appeared first on Maximizing Money.
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    Abacus Wealth Partners

  • Earth Day Is Your Opportunity to Practice Healthy Habits

    Brent Kessel
    21 Apr 2015 | 12:24 pm
    I used to think that either you were a humanitarian or you weren’t. In 1972, my mom was driving us down the Blue Route freeway in Cape Town, South Africa, when we pulled alongside a truck carrying cows. I asked her where they were going, and she told me that they were likely going to be killed and turned into meat. Four-year-old Brent told her in no uncertain terms that we needed to pull that truck over and free those cows. When she told me that couldn’t happen, I began crying. As with most young children, I forgot the whole incident—until a night or two later when we went to…
  • Note from Our CIO: The Inevitable

    The 2015 Abacus Investment Committee
    17 Apr 2015 | 1:40 pm
    March 9th of this year marked the sixth anniversary of the worst U.S. stock market crash since the Great Depression. On that challenging day in 2009, the S&P stock index of the largest 500 U.S. companies closed at 676.53, or 57% lower than its previous all-time high exactly 17 months earlier. Why did the decline end that day? Ultimately, it was because the low stock prices and the resulting higher dividend yields became too compelling for investors, especially given the alternative of low yielding bonds. As I write, the S&P 500 is closing in on 2,100, which means that it has tripled…
  • Investment Committee Commentary Q2 2015

    The 2015 Abacus Investment Committee
    17 Apr 2015 | 1:39 pm
    Market Snapshot Note from Our CIO: The Inevitable March 9th of this year marked the sixth anniversary of the worst U.S. stock market crash since the Great Depression. On that challenging day in 2009, the S&P stock index of the largest 500 U.S. companies closed at 676.53, or 57% lower than its previous all-time high exactly 17 months earlier. Read more » 1st Quarter Market Review: MasterChef of Investing In the popular TV program MasterChef, contestants face a series of cooking challenges. From low-quality ingredients to inadequate preparation and poor implementation, so many things can,…
  • 1st Quarter Market Review: MasterChef of Investing

    The 2015 Abacus Investment Committee
    17 Apr 2015 | 1:21 pm
    In the popular TV program MasterChef, contestants face a series of cooking challenges. From low-quality ingredients to inadequate preparation and poor implementation, so many things can, and do, go wrong. It’s a bit like investing. In the world of investment, there customarily are two broad approaches. The first is a traditionally active one: Managers attempt to find mispriced securities or seek to time their entry and exit points from various parts of the market. This first approach is akin to the MasterChef challenge that requires inventing a new and distinctive dish within a set time…
  • Impact Investment Profile: Clarion Partners

    The 2015 Abacus Investment Committee
    17 Apr 2015 | 1:18 pm
    Clarion Partners, an investment through the Versus Real Estate vehicle, seeks investment returns by responsibly investing and managing high-performance, high-quality, environmentally responsible, healthy and productive places to live, work, shop and stay that are beneficial to local communities. In May 2013, Clarion Partners signed the United Nations-backed Principles for Responsible Investment, strengthening their commitment to incorporating environmental, social and governance issues into our investment decisions. Clarion is also an active corporate member of the U.S. Green Building Council…
 
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    theBKBlog

  • Live Longer After Filing Bankruptcy? Economists Say “Yes”

    Jonathan
    21 Apr 2015 | 1:11 pm
    A recent study by economists suggests that Chapter 13 debtors whose cases were confirmed and completed through discharge derive significant economic and health benefits from their filings as compared to Chapter 13 debtors whose cases were dismissed.This report, published on the National Bureau of Economic Research – a professional organization for economists – compared 500,000 bankruptcy records with tax records and foreclosure records.The study compared Chapter 13 debtors whose cases were approved and completed successfully to discharge to Chapter 13 debtors whose cases were…
  • Spouse Filing Bankruptcy Individually: Here’s How You will be Impacted

    Jonathan
    7 Apr 2015 | 8:49 am
    There are many reasons why a married couple may decide that only one spouse needs to file bankruptcy. The bankruptcy law allows a married person to file an individual bankruptcy but there will be some impact on the non-filing spouse. If you are a non-filing spouse, here are some concerns that you should keep in mind:1. Your credit score may be negatively impacted. You are most likely to face this problem when you have joint debts with a bankruptcy filing spouse and your spouse does not pay a joint debt on time.For example, Chapter 13 allows a bankruptcy debtor to restructure payment…
  • Beware Judgments

    Jonathan
    10 Feb 2015 | 2:56 pm
    Do you know what it means to have a judgment entered against you?  Judgments arise from lawsuits – often collection lawsuits – and they happen when a state court judge decides in favor of the other party.In collection lawsuits, this means that the judge has ruled in favor of the plaintiff – usually a credit card company, finance company or other person or company who is suing you for money damages.  Sometimes a judgment is entered after trial but most of the time, a default judgment is issued when the defendant (i.e., you) does not answer the lawsuit.In Georgia, if you are…
  • Statutes of Limitation in Georgia: Credit Card Debts

    Jonathan
    2 Jan 2015 | 12:45 pm
    In Georgia, the statute of limitations for filing a lawsuit to collect credit card debt is 6 years. This means that if your account is inactive for six years, you have a winning defense to any credit card collection lawsuit.The clock on this statute of limitations begins to run when you last use the card or when you last make a payment. There is some authority to suggest that the creditor can restart the statute of limitations clock if you acknowledge that you owe the debt, enter a payment plan, or accept a settlement offer.If you get a collection call or letter from a creditor or collection…
  • How Soon After Bankruptcy Will You Qualify for a Mortgage?

    Jonathan
    10 Nov 2014 | 2:02 pm
    One of the most difficult decisions for a bankruptcy filer involves surrendering a home. Nobody wants to take this step, but sometimes there is just no choice. Home ownership involves not only a mortgage payment, but it also includes repair expenses, homeowners association dues and utility bills.Giving up your home will be traumatic – even if you recognize the financial realities. Your family life will be disrupted, the kids may have to change schools, and you will have to sell or store furniture and other personal property that may not fit into a rental.One of the questions that I get…
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
 
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
 
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
 
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
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  • Rescuers track down women lost in the wild

    27 Apr 2015 | 9:34 am
    Rescuers track down women lost in the wildMichigan State PoliceMich. police in a helicopter spotted Leslie Roy, 52, and Lee Marie Wright, 56, nearly two weeks after they went missing on a road trip. Food they rationed to surviveMore newsPalestinians helped free hostagesBaltimore cops face new claim
  • Earthquake relief needs on the rise in Nepal

    27 Apr 2015 | 9:34 am
    Earthquake relief needs on the rise in NepalGettyThe region hit by a 7.8-magnitude quake near Nepal's capital is in desperate need of supplies Monday as loved ones look for survivors.'People aren't getting food, shelter'More on this storyClimbers evacuate Everest US sends response team, $1M
  • One word to avoid if you are out of a job

    27 Apr 2015 | 9:34 am
    One word to avoid if you are out of a jobGettyIf you're looking for employment but have been out of the workforce, experts advise that you steer clear of putting this on a resume. Reason it's viewed as 'desperate'More on the job huntTop jobs for employees over 5010 unhappiest jobs in America
  • Tsarnaev's defense makes case against execution

    27 Apr 2015 | 9:34 am
    Tsarnaev's defense makes case against executionAPLawyer David Bruck urged the jury Monday to spare the bomber's life.'There is no evening the scales'More headlinesCrews still searching for boatersHolmes before the mass shooting
  • Loretta Lynch sworn in as US attorney general

    27 Apr 2015 | 9:34 am
    Loretta Lynch sworn in as US attorney generalGettyAfter a delay, the former U.S. attorney for the Eastern District of New York was officially sworn in Monday to replace Eric Holder.Reason confirmation took so longIn other newsCalif. freeway closes after infernoCorinthian Colleges to shutter
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    Bible Money Matters

  • The Latte Factor: Can It Really Help You To Retire Wealthy?

    Peter Anderson
    23 Apr 2015 | 8:02 am
    Changing your habits even just a little bit over time can mean big changes for your financial future. Can The Latte Factor help you to retire wealthy? The post The Latte Factor: Can It Really Help You To Retire Wealthy? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Jesus Was Tempted In Every Way, Including Wealth And Power

    Tim
    20 Apr 2015 | 11:05 pm
    It's easy to forget that Jesus was tempted in every way, including areas of worldly wealth and power. The post Jesus Was Tempted In Every Way, Including Wealth And Power appeared first on Bible Money Matters and was written by Tim. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Leave An Inheritance For Your Children

    Jason Price
    16 Apr 2015 | 4:55 am
    Do you plan to leave your children an inheritance? If so, what steps are you taking today to do so? The post Leave An Inheritance For Your Children appeared first on Bible Money Matters and was written by Jason Price. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Diagnose Your Check Engine Light For Free

    Peter Anderson
    14 Apr 2015 | 1:05 pm
    When your check engine light comes on, it can get expensive to get problems diagnosed. Thankfully there are now ways check the OBD-II PID codes for free. Here's how. The post How To Diagnose Your Check Engine Light For Free appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Credit Sesame Will Give You A Free Credit Score, Credit Monitoring And Identity Theft Insurance

    Peter Anderson
    12 Apr 2015 | 11:15 pm
    Credit Sesame is a service that gives you FREE monthly credit scores and credit monitoring. Here is what they have to offer, and why you should sign up. The post Credit Sesame Will Give You A Free Credit Score, Credit Monitoring And Identity Theft Insurance appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Christian Personal Finance

  • Why We Should Give in Secret

    Kevin
    27 Apr 2015 | 9:00 am
    Giving is giving, right? Not if you’re a Christian. There are ways to give – and God wants us to give – and there are ways we shouldn’t give. One way we shouldn’t is giving publicly. As Christians, we’re told to give in secret. Our mission in life is to glorify God in all that we do – when we give in public that may not be exactly what’s happening. It could be our secular selves rising to the surface. How the World Gives When the secular world gives it’s often with considerable public fanfare, and even trumpeted in the media. The giver is exalted for his generosity, the…
  • 15 Kitchen Tips & Tricks that would Make MacGyver Proud

    Dawn
    25 Apr 2015 | 9:21 am
    MacGyver. Remember him? If you watched television in the later 80’s and into the early 90’s, you’ll know exactly who I am speaking of. He always had some trick up his sleeve and a way to solve nearly everything problem and he knew how to get out of every situation. Even life or death situations. He just always had THE solution. My kitchen can be a battle ground some days, but I’ve found some tips and tricks that I think would make him proud. Thanks to Pinterest, I have found numerous little things that I could do to solve issues in my kitchen, save time and…
  • What’s Your Financial Personality?

    Tim
    24 Apr 2015 | 11:00 am
    Ever notice how finances can affect you emotionally? I’ve known people who hate the idea of spending their money altogether and some people who don’t know how to make a budget at all. What if there was a scale that you could use to classify your financial personality? Yes, I can see it now. Instead of making up a boring answer when your financial planner asks how things are going, you can simply select your personality from the chart and they’ll know exactly what to do to help. Unrealistic? Maybe so, but you might relate to a few of these: The Spending Freeze You’re the type of…
  • The Ultimate Bundle: Over 75 books worth $1,000+ for just $29

    Bob
    20 Apr 2015 | 11:26 am
    I am excited to be partnering on the Ultimate Homemaking Bundle for the next few days.  It really is an amazing collection of eBooks, courses, printables, and a lot more that you can pick up for $29. There are so many great books from Best-Selling authors, bloggers with millions of followers, and true experts in a variety of topics. Click here to see all the books/courses/printables included! The bundle was designed to help you nurture the beauty and productivity in your home and family relationships with proven, simple, and effective tools that really give you a boost as a homemaker –…
  • Financial – and Life – Lessons from 40 Years of Marriage

    Joe
    20 Apr 2015 | 9:00 am
    As I bask in the celebration of our recent 40th wedding anniversary, complete with surprise readings from each child, child-in-law and grandchild, I can see some great personal finance applications of the principles Jan and I used raising our four children. My quandary is that in order to share the financial lessons, I am obligated to share what our kids had to say in their readings. I therefore ask myself, “Is this more about boasting on what great kids we have or helping my readers with their finances?” I will let you be the judge. Our Grandchildren (Ages 8 and 10) I love you because…
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    PT Money

  • Citi ThankYou Premier Card Review – 50,000 ThankYou Points BONUS

    Michael Pruser
    20 Apr 2015 | 8:35 pm
    There was a time not too long ago where a bonus like the one Citi has just launched would be accompanied by similar ones from other issuers.  However in the last few months; credit card bonuses have become few and far between, thus making the 50,000 bonus ThankYou points the Citi ThankYou Premier Card is offering one of the best of 2015. For new cardholders of the Citi ThankYou® Premier Card, 50,000 ThankYou points are earned after $3,000 is spent in the first three months. 50,000 ThankYou points can be redeemed for a variety of items including $500 in gift cards and $625 in airfare. In…
  • What If You Can’t Pay Your Taxes This Year?

    Philip Taylor
    15 Apr 2015 | 11:30 am
    It’s been an eventful few years with the IRS taking on major companies and even countries to recover taxes and penalties owed by businesses and individuals.  With the economy sluggish, and tax revenues falling, the IRS and many State governments are trying to close the tax gap (the difference between taxes owed and taxes paid) with increased tax collection efforts. Here are a few guidelines for avoiding and reducing IRS interest, filing penalties, and underpayment penalties if you’re asking, “what if I can’t pay my taxes” assessed or owed in full by April 15th…
  • Is Venmo Safe? And Why Are All the Cool Kids Using It to Share Money?

    Emily Guy Birken
    13 Apr 2015 | 8:56 am
    Despite the fact I blew out 36 candles on my last birthday cake and I have been unable to identify most of the “celebrities” on the covers of magazines for at least ten years, I still tend to think of myself as a young and with-it individual who has her fingers on the pulse of American culture. Then I heard about Venmo, and I realized I was middle-aged. Venmo, for the uninitiated, is a peer-to-peer payment app that allows you to exchange funds with people in your social circle. The app is free to download, and other than a 3% charge on credit card transactions, it is free to use. It links…
  • Citi Simplicty Card NEW 21 Month Balance Transfer Offer

    Michael Pruser
    1 Apr 2015 | 8:00 am
    Now that I have a high enough credit score to take advantage of certain deals, I’ve been hard at work piling up the rewards.  My wife and I have had a lot of expenses in the last few months (between a sick puppy and an October due baby girl) and while I’ve been able to pay off the balances every month, we’re at the point where it’s time to take advantage of a nice interest-free loan. One of the largest complaints consumers had about credit cards before the economy took a nose dive was hidden fees.  It seemed that credit card issuers would not plainly disclose the…
  • 5 Traps that Will Rob You of Your Financial Peace

    Jason Price
    31 Mar 2015 | 10:10 am
    Financial traps lurk around every corner. We fall into these traps when we become a little too smart in how we manage our money. Perhaps we think we can get a great deal with 0% financing. We have a spending plan, but don’t really follow it each month (spending is under control). Or we buy in advance, borrow from our savings with the good intention of paying ourselves back. While on the surface these moves seem harmless, dig a little deeper and you’ll see how they can rob your financial peace. 0% Financing Deals I know 0% financing seems to make sense and on the surface seems…
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    RetirementRevised

  • Advice about maximizing Social Security from the guy who wants to end it

    Mark Miller
    25 Apr 2015 | 10:26 am
    I had a chance today to hear Larry Kotlikoff speak about his best-selling book Get What’s Yours: The Secrets to Maxing Out Your Social Security. Kotlikoff is a professor of economics at Boston University and founder of Economic Security Planning, Inc, a financial software company that created MaximizeMySocialSecurity.com, one of a handful of premium software tools for optimizing benefits. He co-wrote the book with Paul Solman, the business and economics correspondent for The PBS Newshour and Philip Moeller, who writes about retirement for Money magazine, the PBS website Making Sen$se…
  • How healthcare changes seniors’ inflation math

    Mark Miller
    24 Apr 2015 | 7:14 am
    There’s been no sign that inflation is heating up along with the economy, and that may tempt people planning for retirement to be complacent about inflation risk. But it’s important to remember that the inflation rate experienced by seniors is higher than that of the overall economy. From 1985 to 2014, the Consumer Price Index ran 5.1 percent behind the CPI-E, an experimental measure created by the U.S. Bureau of Labor Statistics to measure the inflation affecting elderly Americans, according to research by J.P. Morgan Asset Management. The culprit is health care, which accounts for…
  • Survey finds an unfounded rise in retirement confidence

    Mark Miller
    21 Apr 2015 | 12:02 pm
    Denial is the first emotional stage of grief – and that may be where Americans are at right now in their attitudes about retirement security. The 2015 edition of the longest-running national survey of retirement confidence, released today by the non-profit Employee Benefit Research Institute (EBRI), reveals a second consecutive annual jump in the percentage of workers and retirees in an upbeat mood about their retirement finances. Unfortunately, their rising confidence likely is unfounded. EBRI’s 25th annual Retirement Confidence Survey found that 37 percent of workers are “very…
  • New strategies for covering long-term care costs

    Mark Miller
    17 Apr 2015 | 6:00 am
    You’ve heard the scary statistics: About two thirds of Americans will need long-term care. The average annual cost of a private room in a nursing home is $87,600; the length of stay can run three years or more. Do a few quick calculations, and it’s easy to get very worried about the potential financial impact on your retirement plan. But recent research is shedding new light on the risks. The key finding: The odds of needing nursing-home care may be higher than previously thought, but the length of needed care is shorter. The new data has experts talking about the implications for…
  • Unraveling the mysteries of Social Security WEP and GPO

    Mark Miller
    16 Apr 2015 | 1:30 pm
    Some U.S. workers who have paid into the Social Security system are in for a rude awakening when the checks start coming: Their benefits could be chopped up to $413 per month. That is the maximum potential cut for 2015 stemming from the Windfall Elimination Provision (WEP), a little-understood rule that was signed into law in 1983 to prevent double-dipping from both Social Security and public sector pensions. A sister rule called the Government Pension Offset (GPO) can result in even sharper cuts to spousal and survivor benefits. WEP affected about 1.5 million Social Security beneficiaries in…
 
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    Intelligent Speculator

  • Closing A (Very) Bad Trade on Travelzoo ($TZOO)

    IS
    17 Apr 2015 | 4:26 am
    Well, it’s bound to happen once in a while. When shorting a stock, the two terrible things that I always fear are the company being purchased or having a breakthrough in  earnings. Yesterday, that second scenario happened as Travelzoo (TZOO) announced solid numbers which I will be digging into this weekend if all goes well. In the meantime, that trade easily reached my stop loss and I’ll be closing the trade which stands at -56%! That actually brings me slightly into negative territory for the year, unfortunately. FB data by YCharts The post Closing A (Very) Bad Trade on…
  • Facebook ($FB) Crushing Google ($GOOG) – Is Zuck Just Getting Started?

    IS
    10 Apr 2015 | 2:00 am
    A couple of weeks ago, I updated this blog with my latest thoughts about the ecosystem play. I followed that up with a more detailed analysis of Apple (AAPL) and why I think it remain a screaming buy.  This week, I spent more time looking at the other plays and in an unexpected way, I ended up seeing the need to write about both Google (GOOG) and Facebook (FB) together. As you can imagine from my previous writings, I’m much more convinced about Facebook’s long term growth potential but I think both companies compete much more than most would imagine. Both companies are…
  • Top 100 Dividend Stocks – April 2015 Edition – DSR score

    IS
    1 Apr 2015 | 3:01 am
    Today, I’m back with a look at the top dividend stocks (in terms of yield) in the S&P500. Today I also decided to add a metric that my biz partner and I have been working on, the DSR score. It is a score that includes all kind of data including the dividend yield, the growth in dividends (short and long term), revenues, earnings, debt and payout ratios, etc. We’ve been using it for some time and the results have been very solid. It’s one of many features that we offer on DividendStocksRock. No surprise at all that most of the top dividend payers on this month’s…
  • 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…
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    Don't Quit Your Day Job...

  • A Core Tenet of Personal Finance: Shopping Around

    PK
    27 Apr 2015 | 3:30 am
    The Consumer Financial Protection Bureau is a relatively new Independent Agency of the United States government which concentrates on… well… consumer financial protection.  Admittedly, their mandate is a bit up in the air right now, but they have made waves and headlines with a number of fines handed out to financial firms. They also, like their ‘parent’ the Federal Reserve, produce a bit of research. In one of those recent reports they announced something pretty astonishing: just around half of all mortgage borrowers don’t bother shopping around for a mortgage…
  • The DQYDJ Weekender, 4/25/2015

    PK
    25 Apr 2015 | 10:02 am
    Welcome to all the new readers from our links on Rockstar Finances and Lifehacker! For the uninitiated, this is our (mostly, at least 40 times a year) weekly roundup of links we enjoyed over the week.  We link a fair amount of both investing and personal finance things, and our claim to fame is usually investing pieces such as calculators. For the long time readers, the following calculators have April data populated… so stop asking for at least 6 days when they’ll be updated: S&P 500 Dividend Reinvestment Calculator Dow Jones Industrial Average Dividend Reinvestment…
  • Why Should You Track Your Savings Rate?

    PK
    22 Apr 2015 | 4:12 am
    In our recent articles, we’ve been talking about the topic of savings rates.  Left unanswered, exactly, is why you should even bother with calculating an exact savings rate – isn’t just a vague idea enough? As you can probably expect, our answer is a flat ‘no’.  Although an exact to two decimal point savings rate is overkill for most purposes, you’ll want to know something more than a vague savings rate – it would do you a world of good to calculate your savings rate within a couple percent. Savings is Money You Aren’t Spending We generally…
  • Savings Rate Calculator

    PK
    20 Apr 2015 | 4:20 am
    This page has a step by step savings rate calculator, which will help you easily compute your savings rate to compare to your own benchmarks, to future savings goals, and to the results of others.  By following the steps in the calculator, you’ll have a normalized rate for both a strict savings rate – that is through your purchases and accumulation of assets – and a regular savings rate, which also includes principal pay-downs of your debt. Savings Rate Calculator Just enter your information into the calculator before.  All fields have to be a number (do not include…
  • The DQYDJ Weekender, 4/18/2015

    PK
    18 Apr 2015 | 9:48 am
    Sometimes the hardest part of the Weekender is coming up with something to put in this introduction paragraph – which we consider 100% open, unlike the 95% open of the topics on this site.  Luckily, there is something I can say to all of my American readers reading this post which will be universally liked (yes, universally – non-Americans will be happy the tax article deluge will subside for another year): Congratulations on making it through tax season! (And if you filed an extension, our sympathy!) Links We Liked! Len Penzo does the math on the costs over time of charcoal…
 
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    Quizzle Wire

  • It’s the five-year anniversary of PPACA – has it helped?

    Miranda Marquit
    27 Apr 2015 | 6:00 am
    In 2010, Congress passed — and President Obama signed into law — the Patient Protection and Affordable Care Act (PPACA, also called Obamacare). Some of the provisions of the law took effect almost immediately. Other requirements have been implemented over time and are still being phased in. So, after five years, can the PPACA be called a success? It depends on how you feel about the law, as well as how you measure success. Michael Stahl, Senior Vice President at HealthMarkets, feels that, while the implementation has been somewhat choppy in cases, overall the PPACA is a success.
  • Where do the highest earners in the U.S. live?

    Miranda Marquit
    24 Apr 2015 | 6:00 am
    If you were a high earner, where would you live? Since birds of a feather flock together, it might not be surprising to learn that there are some areas that attract the affluent. However, how you measure earnings might make a difference in where these high-income areas are located. AGI, wages and salaries, and dividend income The Transactional Records Access Clearinghouse (TRAC), housed at Syracuse University offers information about tax returns in the United States. Using information from 2013 (the last available year, since tax-year 2014 just ended), it’s possible to get an idea of where…
  • Top budget vacation ideas for 2015

    Miranda Marquit
    22 Apr 2015 | 6:00 am
    The vacation is a staple of American life. We all like to get away for a little while. However, vacations can get expensive at times. If you are looking for a good vacation that won’t break the bank, here are a few suggestions. International travel: year of the euro “The euro has plunged, and Europe is a bargain if you dollars to spend,” says John Golicz, the CEO of The Travel & Adventure Show and the editor of 1000TravelTips.com. He points out that the eurozone economy is struggling, and the euro is down about 24% over the last year. “Prices for local European hotels, rental…
  • What you should know about short sales

    Cathy
    20 Apr 2015 | 9:31 am
    Not that long ago, short sales were so unusual that the term was rarely used. But ever since the recent housing bubble burst, short sales have become relatively common. Here’s what you should know about short sales: A short sale is the sale of a property for less than the balance of the current mortgage on that property. Here’s a typical example: John Doe bought a house a couple of years ago for $400,000. He put down five percent, or $20,000, leaving him with a mortgage of $380,000. With his timely mortgage payments, he’s brought the balance of the mortgage down to $365,000…
  • What is deflation and how could it affect you?

    Cathy
    17 Apr 2015 | 6:00 am
    When it comes to finance and economics, deflation refers to the general decrease of prices of goods and services over time. It is the opposite of inflation, or when the inflation rate falls below zero. In the U.S., deflation is officially measured by the Consumer Price Index, which tracks price fluctuations in consumer goods and services from the perspective of the consumer. The practical effect of deflation is that each dollar buys more goods and services. For example, during a period of deflation, the amount of candy that you would have bought for $1 would now cost less than $1. That may…
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    Get Out of Debt Guy

  • 3 Ways to Increase Your Chance of Receiving a College Scholarship

    Guest Post
    27 Apr 2015 | 7:07 am
    The cost of attending college increases every year, and that probably isn’t going to change anytime soon. The best way for students to reduce what they’ll be spending is to apply for college scholarships. Everyone knows that good grades and test scores will help, but there are a few other ways to increase the chances ... The post 3 Ways to Increase Your Chance of Receiving a College Scholarship...
  • 10 Things Everyone Should Know About Credit Scores

    Guest Post
    27 Apr 2015 | 6:05 am
    The last time I got up in front of a group to talk about my job, no one had questions for me. It was a high school career day a few weeks ago, and the students stared at me blankly as I dropped words like “personal finance,” “credit scores” and “debt.” I could tell they ... The post 10 Things Everyone Should Know About Credit Scores appeared first on Get Out of...
  • Did World Law Debt and Orion Processing Really File Bankruptcy?

    Steve Rhode
    23 Apr 2015 | 12:32 pm
    Under the heading of ironic debt relief outcomes, one of the major debt settlement players, World Law Debt and Orion Processing, recently filed a Chapter 11 bankruptcy proceeding. I guess their debt issues were beyond settling. This matter came to light when a reader asked me to look at a notice they received in the ... The post Did World Law Debt and Orion Processing Really File Bankruptcy?...
  • 7 Things You Need to Know About the Statutes of Limitation for Debt

    Guest Post
    23 Apr 2015 | 10:59 am
    If you have old unpaid debts, it can be helpful to know the statute of limitation that applies to those debts. If the statute of limitation (SOL) has expired, a debt is said to be “time-barred,” and a creditor or debt collector is not supposed to sue you to collect. Here are the seven most common ... The post 7 Things You Need to Know About the Statutes of Limitation for Debt appeared first on...
  • The Downside Of Low Interest Credit Cards

    Research Department
    23 Apr 2015 | 9:26 am
    New York, NY (PRWEB) April 20, 2015 National Debt Relief recently shared in an article published April 14, 2015 how consumers can better understand how low interest credit cards work. The article titled “Advice About Low Interest Credit Cards That May Totally Shock You” lists down some of the things that people might miss out ... The post The Downside Of Low Interest Credit Cards appeared first...
 
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    Credit Card Chaser

  • Does Your Partner Make More than You?

    Alice
    23 Apr 2015 | 9:57 am
    Are you in a relationship where one person makes more money than the other? In most households, this occurs more often than not. One person is usually the breadwinner of the family and the other either stays at home or provides a supplemental income. If this is true in your situation, do you ever feel resentful over the situation? Bringing Home The Bacon Usually, one person will be the person who does the providing for the family. Without this job, the family would struggle. The supplemental income, however, is also key in being able to be kept afloat, so the person making less money should…
  • Are You Making These Saving Mistakes?

    Alice
    16 Apr 2015 | 11:30 am
    Most people agree that saving money is an important part of a wise money management plan. However, they often disagree about how much to save or what to spend it on at some future point. A savings account of any type or amount is better than none at all. However, there are several saving mistakes to be avoided that may lead to more problems than benefits. Saving too little Starting a saving plan is an important step in the right direction for managing your money. When you set aside money from each paycheck to be used for a designated purpose like a household emergency or college tuition, you…
  • How to Travel on a Budget

    Alice
    10 Apr 2015 | 11:37 am
    Taking a journey around the world to experience different cultures and see new things is an aspiration for many. Whether the destination is Paris, Los Angeles, or Sydney, the first step is to create a budget for traveling. If plans include an extensive journey away from home, it is important to maintain a low cost budget while traveling around the world. What are some ways to turn a trip around the world into a frugal adventure that will preserve money for excursions and adventures rather than consume it all with hotel stays and airfare? Purchase an Around the World Airline Ticket Any journey…
  • Should You Buy Local?

    Alice
    3 Apr 2015 | 9:43 am
    Chain stores often attract customers with lower prices and bigger selections. They also gain a competitive advantage because they can afford to stay open longer hours and spend far more money on marketing. Nonetheless, many locally owned shops, restaurants and service providers continue to thrive in business. And they might be right for you. Find out why shopping local might be better for you. 1. The owner and family members of a small business possess greater decision-making power than employees of large companies. They also have more incentive to make their establishments succeed. As a…
  • 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…
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    Ready To Be Rich

  • If You Want To Be Successful, You Have To Choose Happiness

    Fitz
    26 Apr 2015 | 1:36 pm
    Did you know that there is a link between success and happiness? Of course, it is common sense to believe that successful people often lead happy lives. However, there is evidence that show the reverse is also true – that people who are happy, are more likely to succeed in life. In 2005, a team […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: If You Want To Be Successful, You Have To Choose HappinessAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more…
  • 5 Ways To Kill Your Dreams

    Fitz
    22 Apr 2015 | 12:37 pm
    All of us want to invent that game-changing product, launch that successful company, write that best-selling book. And yet so few of us actually do it. TED Fellow and Brazilian entrepreneur Bel Pesce breaks down five easy-to-believe myths that ensure your dream projects will never come to fruition. Note:This is just a preview. Read the […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 5 Ways To Kill Your DreamsAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get…
  • 7 Ironic Things That Poor People Do

    Fitz
    20 Apr 2015 | 3:41 pm
    “I wish I could travel as much as you do,” a friend told me one day. “You can, if you plan for it well,” I replied. “It’s easy to plan, but my budget is tight,” he shares. “Traveling doesn’t have to be expensive. Besides, you can always find ways to earn extra income to fund […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 7 Ironic Things That Poor People DoAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get…
  • BTID vs VUL and How I See Financial Planning With Respect to Life Insurance

    Fitz
    16 Apr 2015 | 1:44 pm
    Buy Term, Invest the Difference (BTID) versus getting a Variable Unit-Linked (VUL) life insurance is always a divisive topic, even among us Registered Financial Planners. There have been many attempts to compare them based on actual figures and both sides can always come up with results that favor their stand. However, I believe that protection […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: BTID vs VUL and How I See Financial Planning With Respect to Life InsuranceAttend a FREE Personal Finance SeminarLearn practical money management and…
  • How To Stay Motivated at Following Your Monthly Budget: A Lesson in Psychology

    Fitz
    14 Apr 2015 | 1:19 pm
    One of my readers, Kristine sent an email recently to share something that happened to her. Below is a portion of what she wrote: I learned about creating an emergency fund through your blog, which I was able to complete last year. I’m writing to you because if not for that, I would now be […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How To Stay Motivated at Following Your Monthly Budget: A Lesson in PsychologyAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth…
 
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    Cash Flow Planning for Life

  • Social Security Planning – What’s Your Plan?

    Mark
    22 Apr 2015 | 1:40 pm
    When will you be eligible to collect your benefits? Have you reviewed your Social Security Benefits Statement recently?  What age is going to work best for you to start collecting your benefits – age 62, your full retirement age or age 70? Nowadays, the subject of planning for your retirement is something that is frequently discussed. Especially the age you should start collecting your social security benefits. Each expert has their opinion. Deciding when to begin receiving your benefits can be a complicated decision. A decision that you shouldn’t take lightly. Remember, collecting…
  • 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…
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    JoeTaxpayer

  • Retired, with mortgage

    Joe
    16 Apr 2015 | 4:00 am
    I’d always thought, and advised others, that to retire, one should have their mortgage paid in full. And that was always my own plan. But, anyone who knows finance knows that you can’t plan on an exact stock market return, you can’t plan on your own health being excellent, nor your marriage outlasting your mortgage. In our case, these things actually all are going pretty well, thank-you. What changed was our income which I posted about a few months back. While we were working, we saved, over 20% per year on average. We topped off the 401(k)s and IRAs, and put aside money for…
  • 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…
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    Simplified Saving

  • Restaurant Coupon Roundup {4/25/2015}

    Lisa Thompson
    25 Apr 2015 | 6:48 am
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! BJs – $5 Off $25 Purchase (exp: 5/8/2015) Black Angus Steakhouse – Free 5oz. Lobster Tail With Purchase of Dinner Menu Side (exp: 4/27/2015) Bob Evans – $4 Off $20 Purchase (exp: 4/30/2015) Carrabbas – 15% Off Entire Purchase (exp: 4/29/2015) Corner Bakery – $10 Off $50 Catering Purchase (exp: 5/13/2015) Dickeys Barbecue Pit - 10% Off Catering (exp: 4/27/2015) Donatos Pizza…
  • Retail Coupon Roundup {4/25/2015}

    Lisa Thompson
    25 Apr 2015 | 6:46 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! I’ve been toying with the idea of creating a capsule wardrobe for a while, so if I can get rid of  enough things today, I may head out to the mall tomorrow. Aeropostale – $10 Off $50 or $25 Off $100 Purchase (exp: 5/11/2015) Bonton – 25% Off Regular & Sale Price Womens, Mens & Kids Apparel + More (exp: 4/28/2015) Carters – 20% Off $40 Purchase (exp: 4/29/2015) Express – $15 Off $30 Purchase (exp: 5/5/2015) Lord and Taylor…
  • 42 Easy Ways to Save Money

    Lisa Thompson
    22 Apr 2015 | 2:17 pm
      Saving money is not always an easy task. Sometimes it requires sticking with a strict plan while other times it means taking drastic measures. Well, I am about to tell you that there are 42 Easy Ways to Save Money that require little to no effort! Before I get started I want to say that many of these might seem like common sense. However, often times when people get going with life they tend to forget that making little changes can sometimes have the biggest impact. This list will be a friendly reminder and hopefully also give you some other great ideas you haven’t thought of…
  • Help Has Arrived! Get The Ultimate Homemaking Bundle for $29.97

    Lisa Thompson
    20 Apr 2015 | 12:26 pm
    Do you ever feel like all the other moms have it together and you’re barely surviving? Do you feel like days of domestic bliss are something you’ll never experience?  Do you feel like you completely missed getting the domestic gene?  Maybe you’re a great cook, but a terrible housekeeper.  Maybe you have an immaculate house, but your finances are in shambles.  There are very few of us who would say we have homemaking down to a science.  I know I certainly wouldn’t! While I’d love to live in a house that is always clean with fabulous meals on the table and…
  • Free and Cheap Weekend Activities and Events

    Lisa Thompson
    17 Apr 2015 | 6:14 am
    Looking for some fun things you can do this weekend that won’t break the budget? As a mom of 4, I totally feel your pain. Family activities can get expensive!!!  With that in mind, I’m sharing this great list of free and cheap events going on across the country!  Some are events that take place on a weekly basis (like Michaels…which we do almost every weekend) and others are one time only events. If you live in the Fort Wayne area, head out to Glenbrook Square this weekend to check out Canstruction. My family and I love this event. During this event, teams of high school…
 
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    Personal Dividends

  • Have You Thought of Your End of Life Insurance Needs?

    Miranda Marquit
    24 Apr 2015 | 2:10 am
    None of us wants to think about dying. However, it is important our mortality, and consider ways that we can prepare our families for the financial realities that come with our passing. As you consider your end of life insurance needs, here are a few things to consider: Life Insurance If you want your dependents cared for when you pass on, life insurance is a must. This is what can help your survivors cover their living costs later, as well as provide estate planning advantages in certain circumstances. The amount of life insurance you need depends on the following factors: Current age…
  • Underemployment on the Rise: Is a College Degree Worth It?

    Tom Drake
    14 Apr 2015 | 5:00 am
    According to a recent story on CNN Money, the unemployment rate for college grads is down to five percent. This is an improvement over the seven percent unemployment rate seen in 2011, and it still beats the national average. However, just because college graduates can get jobs a little easier than they could three or four years ago doesn’t mean that these grads are doing better financially. In fact, many college grads are underemployed, meaning that they are doing jobs that they don’t actually need degrees to do. So, is a college degree worth it? What is Underemployment?
  • 6 Tips to Minimize Stress When Selling Your Home

    Donny Gamble
    31 Mar 2015 | 5:00 am
    Selling a house is one of the most stressful events in life. In fact, one poll says buying a home is more stressful than bankruptcy, divorce and even the loss of someone you love. With the housing market finally recovering, many people are looking to sell their home and either upgrade or downgrade, depending on their specific situation. Whether you’re a young, single businessman, an elder couple or a couple with kids, selling a home is going to be stressful. Related Topic: How to setup a self-directed IRA real estate plan Before listing your house, use these tips so you can minimize stress…
  • 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…
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    Benzinga Feeds

  • A Technical Look At Tesla's Rally

    Joel Elconin
    27 Apr 2015 | 9:49 am
    Joel Elconin is the co-host of Benzinga's #PreMarket Prep, a daily trading idea radio show.
  • Can GoPro Repeat Q4 Success In Q1?

    Louis Bedigian
    27 Apr 2015 | 9:40 am
  • Merck Earnings: The Street And The Crowd Expect A Double-Digit Year-Over-Year Decline

    Javier Hasse
    27 Apr 2015 | 9:36 am
    Merck & Co., Inc. (NYSE: MRK) is scheduled to report its first quarter financial results before the market opens on Tuesday.
  • Oppenheimer Analysts Pick A Top Stock From Each Market Sector

    Wayne Duggan
    27 Apr 2015 | 9:16 am
    In a recent report, analysts at Oppenheimer took a technical look at the stock market to determine whether investors should follow the old Wall Street adage "sell in May and go away." According to Oppenheimer, 2015 is setting up to be an exception to the rule. Sentimental Feelings Latest Ratings for EQIX DateFirmActionFromTo Mar 2015Goldman SachsInitiates Coverage onNeutral Feb 2015BarclaysMaintainsEqual-weight Feb 2015CitigroupMaintainsBuy View More Analyst Ratings for EQIX View the Latest Analyst Ratings
  • Jefferies' Top Drugstore Stock

    Wayne Duggan
    27 Apr 2015 | 9:09 am
    In a new report, analysts at Jefferies took an in-depth look at food and drug stocks and updated their outlook for three stocks in the space. Overall, analysts see improving margins in the drugstore business in coming years. Generic Margins On The Rise Latest Ratings for RAD DateFirmActionFromTo Apr 2015Deutsche BankMaintainsBuy Apr 2015JP MorganReinstatesOverweight Jan 2015JP MorganMaintainsOverweight View More Analyst Ratings for RAD View the Latest Analyst Ratings
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    Money Watch

  • Invalidating your home insurance could be as easy as Airbnb

    Rob Lewis
    20 Apr 2015 | 3:58 pm
    The last few years have seen a boom in social travel sites including Airbnb, Wimdu and Couchsurfing. which link travellers with people willing to rent out their sofa, spare room or entire home.  But Gocompare.com Home Insurance is warning people to check with their home insurer, landlord or mortgage provider before signing-up as home-hosts – otherwise they may risk invalidating their insurance and breaking the terms of their lease or mortgage agreement. Ben Wilson, from Gocompare.com Home Insurance, explained: “Airbnb and other social travel websites have become hugely popular in recent…
  • Barclaycard Anything: Turn Any Object Into A Contactless Way To Pay

    Rob Lewis
    31 Mar 2015 | 4:14 pm
    Barclaycard is launching a new service, Barclaycard Anything, that turns everyday objects into contactless ways to pay. Here it is in action:
  • 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.
 
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    Yes, I Am Cheap

  • Pulling Off A $5,000 Wedding

    Sandy Smith
    3 Apr 2015 | 12:26 pm
    I’m a Twitter-aholic. I mean, I have a serious Twitter problem.  If you check my Twitter feed, there are tweets going out all day all the way until at least 7pm Eastern time every single day.  So, I bumped into this hash tag, #5Kwedding where people are essentially making fun of individuals who may have had a tiny budget for their wedding.  The assumption is that if you’re spending less than $5,000, your wedding is, to coin a phrase, a hot ghetto mess. So, here I am on my own #5kwedding challenge, (yes, you can follow that hash tag on Twitter for my tips) and I’m in New…
  • 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…
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    Money Reasons

  • Proof That Buy and Hold Still Makes Sense

    Money Reasons
    18 Apr 2015 | 1:16 pm
    After the shock and hit from “The Great Recession”, everybody and their cousins came out and said that the “buy and hold” strategy doesn’t work and the days of 9 to 10% annual returns were over.So, I decided to come to the defense of the buy and hold strategy once again.  Back in one of my earlier articles called, “Is Buy And Hold Investing Dead“, I stated that I was basically going to stay the course and not deviate much from that philosophy.  As a result, I’m happy to say that my Annualized Return is above 9% again (9.3% to be exact). …
  • 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…
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    Financial Woman

  • What’s Up with Funding for Women Owned Businesses?

    Camille Gaines
    2 Apr 2015 | 9:20 am
    Financial Woman readers know that we promote income expansion as a crucial but often overlooked component of financial planning and wealth building. Aside from your investment account, invest in yourself, and recognize and own your personal assets! Then proactively use these assets to increase your income, which leads to wealth accumulation. Females, as the sex that reportedly makes well over 80% of the household spending decisions, are in the perfect position to create and invent products that aren’t in the marketplace, simply because we know what’s missing! Creation and invention…
  • 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?
 
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    Self Directed IRA Store

  • Fidelity 401k Millionaires:  The truth about how to join this club (or not).

    SelfDirectedIRAStore.com
    8 Apr 2015 | 11:30 pm
    Fidelity recently examined the habits of Fidelity 401k millionaires. Here is what they came up with. Recently, Fidelity, one of the largest 401k retirement account administrators in the United States, reported that the number of people who had a 401k worth more than $1 million had increased by more than 100% last year.  Fidelity wants… The post Fidelity 401k Millionaires:  The truth about how to join this club (or not). appeared first on Self Directed IRA Store.
  • 401k Plans Now Offer Self Direction

    SelfDirectedIRAStore.com
    23 Mar 2014 | 12:33 am
    Employees of companies large and small are demanding alternatives to the constantly deteriorating choices of funds available to them via their traditional 401k plans, so many employers are now adding a self-directed 401k option.  This is great news for more experienced investors, but account holders must be careful that their plan is truly self directed… The post 401k Plans Now Offer Self Direction appeared first on Self Directed IRA Store.
  • What are the Best Self Directed Roth IRA Investments?

    SelfDirectedIRAStore.com
    27 Dec 2013 | 11:01 pm
    Self Directed Roth IRA's are exploding in popularity and it's no secret why: a tax-free withdrawal at retirement is quite appealing, especially to the younger investor who has several decades to invest before retirement. A lesser-known benefit of a Self Directed Roth IRA, however, is that you have freedom of choice in your investments, including… The post What are the Best Self Directed Roth IRA Investments? appeared first on Self Directed IRA Store.
  • New Tax Court Case Confirms Validity of “Checkbook Control” Self Directed IRA LLC Structure

    SelfDirectedIRAStore.com
    19 Nov 2013 | 10:48 am
    TC Memo 2013-245 confirms legality of using self directed IRA LLC to make investments without triggering an IRS prohibited transaction The Tax Court in T.L. Ellis, TC Memo. 2013-245, Dec. 59,674(M) recently held that establishing a special purpose limited liability company (“LLC”) to make an investment did not trigger a prohibited transaction as a newly… The post New Tax Court Case Confirms Validity of “Checkbook Control” Self Directed IRA LLC Structure appeared first on Self Directed IRA Store.
  • Peer-to-Peer Lender Reports $50 Million in Loan Originations

    SelfDirectedIRAStore.com
    31 Oct 2013 | 9:00 pm
    Leading Peer-to-Peer Lender Continues Momentum with 8th Consecutive Month of Record Growth and $690 Million in Loans to Date SAN FRANCISCO, October 31, 2013- Prosper, a leading peer-to-peer lending company, today announced its largest month ever, closing October with over $50 million in loan originations, a 50% increase over September and a 500% increase from… The post Peer-to-Peer Lender Reports $50 Million in Loan Originations appeared first on Self Directed IRA Store.
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    Smart Balance Transfers

  • Do You Need Perfect Credit To Get A Balance Transfer Card?

    Jason Steele
    27 Apr 2015 | 4:00 am
    Credit cards that offer a 0% APR promotional balance transfer are an excellent way to save money on interest while paying off debt. These offers allow cardholders to transfer their existing balances to a new card with 0% interest for a limited time period. Once that promotional financing rate expires, cardholders then accrue interest charges […]
  • Which Of The Three Discover it Card Offers Should You Choose?

    Jason Steele
    24 Apr 2015 | 4:00 am
    The Discover it card is one of the most popular credit cards in America. All Discover it cardholders enjoy competitive rewards along with very valuable promotional financing offers. Since the introduction of the Discover it card, this product has grown into a family of cards. Today, there are three different versions of the Discover it card […]
  • 5 Cool Facts About The Discover it

    Jason Steele
    22 Apr 2015 | 4:00 am
    The card has some amazing features that make it very popular. Users of the card rave about its customer service, and it has developed a loyal following of dedicated fans. Here are five cool facts that might help explain why it is so beloved: 1. Discover offers 100% US based customer service. Cardholders know that they […]
  • 5 Cool Facts About The Chase Slate

    Jason Steele
    20 Apr 2015 | 4:00 am
    is one of the leading credit cards that offers promotional financing. It features 15 months of interest free financing on both new purchases and balance transfers with no balance transfer free. This card has been very popular for several years, even though it doesn’t have any big named celebrities endorsing it. So what’s the secret? Here […]
  • Best Travel Rewards Promotions For April

    Jason Steele
    17 Apr 2015 | 4:00 am
    This spring, many credit card applicants have had enough of winter and are looking forward to their summer travel plans. Thankfully, there are several travel reward credit cards that can help offset some of their costs of a future vacation. So this April, credit card users should consider some of these top offers. New applicants […]
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    Credit.com

  • 5 Steps to Getting a VA Loan

    Chris Birk
    26 Apr 2015 | 9:01 pm
    Millions of veterans and active military members are eligible for what’s arguably the most powerful mortgage option on the market. VA loans feature $0 down payment, no mortgage insurance and more flexible and forgiving requirements. To be sure, VA loans aren’t the answer for every veteran. But they continue to make a huge difference, especially for those who might otherwise struggle to land a home loan. Here’s a look at five basic steps to getting a VA home loan. 1. Getting Your Credit in Order The first thing you want to do is make an effort to understand and improve your credit. You…
  • 5 Expensive College Financial Aid Gotchas

    Gerri Detweiler
    26 Apr 2015 | 9:01 pm
    It’s crunch time for high school seniors: May 1 is College Decision Day, the day most college-bound students will let universities and colleges know whether they will be enrolling. For students agonizing over multiple offers, a big factor in choices will (or should be) financial aid. After all, the less you borrow as a student, the less student loan debt you’ll have to repay after college. But those financial aid letters students have received can be confusing at best, and downright deceptive at worst. One parent told me about the worst one her daughter received: “It showed the…
  • 3 Kinds of Information You Should Never Share on Social Media

    Brett Montgomery
    26 Apr 2015 | 9:01 pm
    The digitization of information and the popularity of social media may be putting consumer privacy at risk now more than ever. Some social media users, teenagers especially, may be unaware that the information they share — from their location to their paycheck — could be used for identity theft and fraud. About 92% of teenagers post their real name, 82% list their date of birth and 71% show their city or town of residence on their social profiles, according to Pew Research Center. Here are three kinds of information to never share on social media: 1. Driver’s License…
  • Should I Apply for More Than One Credit Card at the Same Time?

    Christine DiGangi
    26 Apr 2015 | 9:01 pm
    There are so many credit cards out there — what’s to stop you from trying to get a bunch of them in your wallet? Potentially, nothing. If you have excellent credit, you may qualify for most of those great offers. Even if your credit isn’t stellar, you can still get your hands on credit card applications. Anyone can get credit card applications, but they’re not like job applications, of which you might fill out dozens before someone hires you. Every time you apply for credit, a hard inquiry shows up on your credit report, and even though each hard inquiry only hurts your…
  • 6 Credit Cards for World Travelers

    Jason Steele
    26 Apr 2015 | 9:01 pm
    How worn is your passport? If it’s starting to look a little dog-eared, then you are probably a seasoned world traveler. Next to your passport, some of the most important things you carry abroad are your credit cards. The right card can help make your travels smoother and more enjoyable by offering you perks with airlines and hotels, along with travel assistance and insurance when things go wrong. In addition, the best cards to take outside of the United States should have no foreign transaction fees. And while some of these cards for world travelers can have pricey annual fees,…
 
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    The Allstate Blog

  • Conflicting Tastes? Tips for Decorating Your Home Together

    Cristel Mohrman
    18 Apr 2015 | 5:00 am
    Buying a home with your significant other can be both exciting and stressful. Moving into a new house is like having a blank canvas you can decorate to your style, but what if that differs from your partner’s style? Maybe he’s into antiques and your taste runs more modern. Or perhaps you differ when it comes to paint colors or artwork. Before getting into an argument because you can’t seem to agree on your decor, check out the following tips for decorating your home together when your tastes clash. Blend Your Styles Relationships often require compromise. Brides magazine says it is…
  • When Should I Plant My Spring Garden?

    Cristel Mohrman
    16 Apr 2015 | 5:00 am
    With spring in the air, your green thumb might be ready to start working in the dirt. But it may not be a good idea to start digging without a plan. Just because flowers and vegetable plants are available at nurseries doesn’t mean you can plant them all at any time. In addition, some plants require certain preparations so they can thrive when it comes time to put them in the soil. If you’re wondering when to plant your garden, here are some things to consider. Weather Knowing when your location typically experiences its last spring frost can help guide your planting schedule, says…
  • How to Maintain a Seldom-Used Vehicle

    Brendan
    15 Apr 2015 | 3:05 am
    Performing maintenance is a task that often goes hand-in-hand with owning a vehicle. But what about vehicles you only use once in a while or store part of the year? It may seem like a car that isn’t used frequently wouldn’t require upkeep like your everyday vehicle – but that isn’t always the case. Before storing your your vehicle for a month or more, remember these recommended car maintenance tips: Preparation If you have a vehicle you store at your vacation home or a spare car you only drive every so often, there are some steps you should take before leaving it for an extended…
  • Saving For College? Don’t Wait To Get Schooled

    Brendan
    14 Apr 2015 | 7:58 am
    Saving for your child’s college education can seem a lot like writing a term paper—putting it off usually doesn’t make it any easier. Parents who’veput their kids through college and financial experts agree: It’s never too early to begin saving.   Do the Math As the graph shows, college tuition and fees are projected to go up significantly between now and the time your child is ready to attend. (Keep in mind, this doesn’t even include room, board and other expenses.) That’s why it’s so important to start saving while your child is young. “With the rising costs of…
  • Distracted Driving: Staying Safe on the Road [INFOGRAPHIC]

    Brendan
    8 Apr 2015 | 7:10 am
    Distracted driving poses a real danger to all drivers, but especially young drivers. According to the National Highway Transportation Safety Administration (NHTSA), 10 percent of all drivers under the age of 20 who were involved in a vehicle accident resulting in a fatality were reported as distracted at the time of the crash. Hundreds of thousands of people are injured each year in vehicle accidents related to distracted driving; the NHTSA reports that in 2013 alone, 424,000 people were hurt in these types of crashes. For the past two years, Allstate has been educating people about the…
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    Centsible Life

  • Kale Coconut Salad Recipe

    Brittany
    27 Apr 2015 | 4:00 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.
  • Sunday Roundup: April 26th

    Kelly
    26 Apr 2015 | 8:57 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.
  • Secret Millionaires Club with Warren Buffett {giveaway}

    Kelly
    25 Apr 2015 | 4:00 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.
  • Even Glow Serum: How I Got Softer & Healthier Skin {sponsored}

    Kelly
    24 Apr 2015 | 1:40 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Rehoboth Beach: A Family Friendly Vacation Spot

    Kelly
    23 Apr 2015 | 9:58 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
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    The Daily Reckoning

  • The Shock Doctrine: When Order Trumps Personal Freedom

    James Rickards
    27 Apr 2015 | 9:00 am
    This post The Shock Doctrine: When Order Trumps Personal Freedom appeared first on Daily Reckoning. Editor’s Note: Jim Rickards has published a third book entitled “The Big Drop: How to Grow Your Wealth During the Coming Collapse.” It’s available exclusively for readers of his monthly investment letter called Strategic Intelligence. Before you read today’s essay, please click here to see why it’s the resource every investor should have if they’re concerned about the future of the dollar.] One of the most influential books among global power elites in the past 10 years is Shock…
  • 3 Simple Steps to Keep the Stock Market from Driving You Insane

    Greg Guenthner
    27 Apr 2015 | 8:11 am
    This post 3 Simple Steps to Keep the Stock Market from Driving You Insane appeared first on Daily Reckoning. Is the stock market turning you into this guy? Look, you’re not alone. We’re all dealing with an irrational, psychotic monster of a market. It’s a three-headed monster running on pure emotion. It doesn’t follow logic and if you’ll go nuts if you expect it to. You could also lose a ton of dough investing on that assumption. But today I’m going to save you from that padded cell, my friend. If you take a few minutes to think about the market differently, you can save yourself…
  • QE = Debt Cancellation

    Peter Coyne
    24 Apr 2015 | 1:06 pm
    This post QE = Debt Cancellation appeared first on Daily Reckoning. We return after yesterday’s, ahem, uplifting reckoning. “So, basically,” wrote one reader after mulling over, “we’re screwed… “More of the same to stay afloat — yay! Stagnation and suffering ahead — oh, boy!! Nothing could be better!! Yipee!!! I’m so glad — let me jump in front of this speeding train to celebrate…” If you’re just tuning in, we’re two parts deep into our three-part conversation with Richard Duncan. In Part I, he outlined why he believes capitalism has died……
  • Anesthetics That Could Put Us Asleep Permanently

    Stephen Petranek
    24 Apr 2015 | 9:00 am
    This post Anesthetics That Could Put Us Asleep Permanently appeared first on Daily Reckoning. Modern anesthesia makes critical operations possible that few humans could survive otherwise. But according to a new study published in the journal Geophysical Research Letters, some of the numbing agents we breathe may also be significant contributors to global warming. Halogenated gases released as a result of putting people to sleep before surgery such as isoflurane, sevoflurane and desflurane are increasing in the atmosphere. And they are far more potent in their greenhouse potential than CO2.
  • Is the Cheap Oil Trade Dead? Think Again…

    Greg Guenthner
    24 Apr 2015 | 7:09 am
    This post Is the Cheap Oil Trade Dead? Think Again… appeared first on Daily Reckoning. Oil just jumped north of $58— its high for the year! So is it time for you to pull the plug on the cheap oil trade? No way Jose. It’s just getting started… And now you have another chance at double-digit gains trading the cheap oil theme. And don’t worry, if crude gains a few bucks from here it won’t sink this ship. Look, we ain’t gonna see $100 oil anytime soon. That’s great news for businesses guzzling a lot of fuel. Operating costs are way down, which means higher profits.
 
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    Canadian Finance Blog

  • What is CMHC Mortgage Insurance?

    Tom Drake
    27 Apr 2015 | 5:00 am
    When you buy a home, your best results will come when you make it a point to make a 20% down payment. However, for some Canadians, that much of a down payment is prohibitive. So, what can you do if you can’t make such a big down payment? If you are willing to pay extra for your mortgage, you can get special insurance to help lenders feel better about approving you for a loan with less than 20% down. The Canada Mortgage Housing Corporation provides mortgage loan insurance to lenders for home buyers with a down payment of less than 20%, to as low as 5%. It offers a way for borrowers to…
  • How to Write a Great Resume

    Tom Drake
    20 Apr 2015 | 5:00 am
    Even though the Internet is changing a lot about the way we look for jobs, the reality is that many hiring managers still look at resumes. Your resume might be in digital format, but it’s still a resume, and writing a great resume to use for your next job search will help you hopefully land an interview. While you still need to be qualified for the job, a well written resume can get your foot in the door. Where Should You Keep Your Resume? First of all, it’s worth noting that your resume might need to be available in different formats. If you have a LinkedIn profile, then you…
  • Earn Cash Back on Everyday Purchases with the SimplyCash Card from American Express

    Tom Drake
    13 Apr 2015 | 5:00 am
    Credit card reward programs have become increasingly complicated. As a result, it can be difficult to keep track of where you should be spending your money, and what categories will result in rewards. If you want a simpler credit card that is all about the cash back on everyday things, without the need to worry about an annual fee, the SimplyCash Card from Amercian Express is a great choice. Cash Back for Daily Delights According to a recent survey from American Express, 94% of Canadians say that the little things in life delight them. These are small pleasures, like finding money in your…
  • How to Make Your Clothes Last Longer

    Tom Drake
    6 Apr 2015 | 5:00 am
    Our consumer culture seems to hold that it’s better to throw something away than use it up. In fact, we are so obsessed with “new” that we often don’t worry about making something last. Sometimes, we rationalize buying new things because it’s so inexpensive to do so. However, just because something is cheap doesn’t mean we should spend money on it. In fact, spending money is still spending money, even if it is a relatively small amount. This applies to clothes just as much to anything else. While it’s nice to buy a shirt or a pair of pants at a great sale…
  • 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…
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    The Dividend Guy Blog

  • How to Handle the Currency Factor

    DivGuy
    27 Apr 2015 | 7:37 am
    You may not know this, but I have a pretty diverse readership. Roughly 44% of my readers are Americans, 40% is Canadian and 6% coming from Europe. Over the past three years, there was a major concern all readers shared with me; the currency factor. Each time there are important currency exchange movements; investors from one country see a big jump. Recently, both Canadians and Europeans got great deals if they bought US stocks back in 2011-2012. At that time, the greenback was undervalued due to very low interest rates and the fact the FED was printing money faster than I ate my Easter eggs.
  • Dividend Reads for the Weekend

    DivGuy
    24 Apr 2015 | 6:05 am
    This week, I’ve created quite a discussion about tracking dividend income.  I expected some reactions, but this time it was quite a feud. I just want to make sure you understand my point before you read this article: I’m not saying tracking dividend income on a monthly basis is useless; I’m just saying that having a long term vision is better. I’ll leave with you to read the article and tell me what you think! I also had 2 stocks analysis wrote on the Dividend Monk: Walmart (WMT) Trading at 10% discount Polaris (PII) (guest post by Sure Dividend) and another one on Seeking Alpha:…
  • What to Do with this Cash in your Investing Account?

    DivGuy
    22 Apr 2015 | 8:08 am
    The stock market is trading at its highest level ever; valuation multiples are increasing, it almost smells like food burning in the oven if you ask the “Swan Fans”. I get the following question from my readers almost daily of late: Ive an important sum of money sleeping in my cash account and Im concerned about the current market. When is the right time to invest? Here’s my straight to the point answer: The best time to invest was yesterday; If you didnt do it yesterday, then its today; But the worst time to invest is definitely tomorrow. The real problem is often not when to buy, but…
  • Dividend Income Report; The Good… and the Bad

    DivGuy
    20 Apr 2015 | 1:45 am
    I’m pretty sure you don’t solely read this blog if you are interested in dividend investing. Among your weekly reads, you probably include other great dividend blogs such as the ones I mention on my stock website resource page.   Have you noticed something very common? Most bloggers report their monthly dividend income. I noticed throughout the years that many dividend investors focus on dividend income and not total return. For them, it doesn’t really matter if their capital grew or not during the past 12 months. What really matters is how much the portfolio generated in cash…
  • Dividend Reads for the Weekend

    DivGuy
    17 Apr 2015 | 6:04 am
    Weeks are passing by and work is being made! As you can see, this is a whole new design for The Dividend Guy Blog! I put that together yesterday night… until 1am If you want to get familiar with the site, I’d suggest you hit the “Start Here” page. There is also a whole new About Me section (and you’ll even see what I look like!). I was also pretty busy writing here and there: 12 Month Countdown to Financial Freedom on this blog! The Right Price For The Right Stock – A 3-Step Stock Valuation Method @ Seeking Alpha McDonald’s Stock Analysis – Is the Golden Age of the Golden…
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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…
  • Financing Tips for Car Buyers

    Matt
    25 Mar 2015 | 8:00 am
    Buying a car is one of the most significant financial transactions you’ll experience.  In fact, next to your home, cars are among the most expensive items you’ll buy during your lifetime.  In order to realize the best value for your money, it is important to consider how you finance your next car buy. There are a number of options available to people paying for cars.  And since each buyer operates under his or her own financial constraints, there is no “correct” approach to financing a car purchase.  As you prepare to buy a car or truck, consider the following…
  • 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…
 
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    Steadfast Finances

  • Why Index Funds are Bad Investments

    CJ
    1 Apr 2015 | 3:00 am
    The entire personal finance blogosphere is in love with index funds, and I’m here to tell you why they’re bad for your investment portfolio. This should go over well.  Black sheep anyone? I realize this thesis will not be a popular one, but from my perspective as an active investor and stock picker, I’m here to tell you that index funds have essentially been dead money for the last decade. So why do bloggers constantly recommend index funds? Index funds are very easy to understand. They likely know little to nothing about the stock market. They don’t want to recommend…
  • Discussing Retirement with Parents: Is a Comfortable Retirement No Longer an Option?

    CJ
    30 Mar 2015 | 12:28 am
    Yesterday, I had one of the most unpleasant conversations I’ve ever had on the subject of money. I had to tell a close friend of my family that, in all likelihood, he has not saved enough money for his retirement. This is a man I’ve known since I was a kid.  The same man who taught me how to turn a 4-6-3 double play is asking me for financial advice, and now I’m telling my little league baseball coach he does not have enough money to retire when he hits the age of 65. Not exactly a fair trade if you ask me because I felt like an jerk after delivering the hard truth. The 411…
  • Visualizing How the Things You Own, End Up Owning You

    CJ
    12 Mar 2015 | 6:29 pm
    Due to the popularity of the visualizing how your stuff owns you post from several weeks ago, I thought it would be beneficial if I documented exactly how I use a simple monthly calendar and a few personal finance metrics to visually represent how many hours, days, even weeks, I had to work in order to maintain “ownership” of my stuff when I first entered the workforce. Just to show that all personal finance bloggers aren’t a pristine model of financial responsibility all of their lives, the graphic below represents how my personal finances looked using what I call the…
  • The Law of Diminishing Returns and Why it Doesn’t Pay to Obsess

    JP
    9 Feb 2015 | 3:00 am
    I have a confession to make; I like to obsess about things. Whether it is collecting, making money or hobbies like blogging; I tend to take things to the extreme. According to economics, obsession does not pay good returns. Law of Diminishing Returns The economic law of diminishing returns states that at some point; adding an additional unit of production will result in lower marginal returns. Get that? In plain English it means that you have limits and if you exceed those limits your quality and/or quantity of work will be less than your best. For example, I write for several websites.
  • The Truth about PayDay Loans

    CJ
    6 Nov 2014 | 6:28 pm
    If you’ve ever been low on cash with creditors knocking at the door, you’ve more than likely considered using a payday loan company. The idea is appealing, you simply hand over a post-dated check for the amount of money you need and presto, you have cash in your hands. Unfortunately, these loans seldom work out the way you think they will and before you know it you could wind up thousands of dollars in debt. Before you hand over that blank check to payday loan companies, here are a few reasons that you may want to reconsider your decision: High interest rates: You will certainly pay much…
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    The SpendLessTV.com Money-Saving Blog

  • Earth Day Every Day Saves You Money

    SpendLessTV.com
    13 Apr 2015 | 4:16 pm
    Earth Day… This post was written as Earth day was celebrating it’s 40th year. On the first Earth Day I “celebrated” with my kids a friend, her 5-year old son, my 5-year old son, 1-year old daughter in a stroller and I went into a little tiny strip of wilderness area that stretched along side a street we used to frequently walk along, and we picked up the trash.  I can’t recall how many bags full of garbage we collected, but we were astonished at how much there had been in such a small space, and the kids were really proud that the work they did would help keep…
  • Make Every Day Arbor Day, Tips to Save Trees and Money

    SpendLessTV.com
    13 Apr 2015 | 5:00 am
    U.S. National Arbor Day:  The Last Friday in April  The beauty of trees alone is enough reason for us to want to surround ourselves with as many trees as possible, but it’s not the only reason. Here are a few more reasons why surrounding yourself with trees is a good idea. From The ColoradoTrees.org article, Benefits of Trees in Urban Areas: Trees remove carbon dioxide from the air and give out oxygen. A healthy tree stores about 13 pounds of carbon annually. An acre of trees absorbs enough CO2 over one year to equal the amount produced by driving a car 26,000 miles. Trees also…
  • 8 Earth Saving and Money Saving Household Tips

    SpendLessTV.com
    11 Apr 2015 | 1:58 pm
    Earth Day: April 22 We’ve been eco-conscious for decades (more decades than we care to mention.) We consider ourselves to be fairly eco-friendly, and are happy to do our bit in terms of recycling, reusing, repurposing, shopping eco-friendly whenever possible, planting trees over and above our carbon footprint; and we do know that being green also adds up to some real decent money savings, which makes us even happier… and even still, while grocery shopping recently, we came across one astonishing little fact that really took us back. Printed on the front of a plastic bag of brown…
  • Garden, Home & Fun In The Sun DIY Wallet-Friendly Ideas

    SpendLessTV.com
    7 Apr 2015 | 10:54 am
    If you’ve got the heat… and the rain… you might as well make them work for you - they’re both free energy resources! And, while were outside taking advantage of the warm, why not start a vegetable or herb garden? And… have some fun in the sun while we’re at it!  Here are videos with tips to build a cool DIY garden greenhouse, make an easy composter, make and use rain barrels to collect rain water for your garden, design a solar oven to cook using solar heat, play in the yard with a DIY sprinkler, and more… all while keeping yourself and your wallet…
  • 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,…
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    MoneyProblems.ca

  • How To Use Rewards Cards Carefully

    Moneyproblems Answers
    22 Apr 2015 | 5:00 am
    Using credit cards to earn rewards can be a good choice if you know how to manage them carefully and avoid some common pitfalls. Our infographic points out 4 common facts you should consider when using your cards to earn points, no matter what rewards program you choose. The post How To Use Rewards Cards Carefully appeared first on MoneyProblems.ca.
  • 5 Ways To Find More Money To Pay Off Debt

    Sarah Milton
    15 Apr 2015 | 5:00 am
    Over the past five years, I’ve been on a mission to get out of debt. Bad choices in my 20s, combined with a marriage breakdown and a job loss left me in a deep hole which has been an adventure to climb out of. While I wouldn’t wish my experiences... Read more The post 5 Ways To Find More Money To Pay Off Debt appeared first on MoneyProblems.ca.
  • Spring Clean Your Money

    Gail Vaz-Oxlade
    8 Apr 2015 | 5:00 am
    Ah Spring. What an optimistic time of year. Trees are budding, sun is shining through your windows (oh, maybe it’s time to clean those) and the air smells fresh and green. It’s the traditional time of year to clean up, clean up. As you throw open your doors and widows,... Read more The post Spring Clean Your Money appeared first on MoneyProblems.ca.
  • 9 Signs It’s Time To Seek Debt Help

    Moneyproblems Answers
    1 Apr 2015 | 5:00 am
    The majority of Canadians carry some form of debt, and many know they need to take action to get out of debt. But when is the right time to reach out to a professional? Here is a guide to understanding when your debt has become too serious to handle on... Read more The post 9 Signs It’s Time To Seek Debt Help appeared first on 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.
 
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    JoeTaxpayer

  • Retired, with mortgage

    Joe
    16 Apr 2015 | 4:00 am
    I’d always thought, and advised others, that to retire, one should have their mortgage paid in full. And that was always my own plan. But, anyone who knows finance knows that you can’t plan on an exact stock market return, you can’t plan on your own health being excellent, nor your marriage outlasting your mortgage. In our case, these things actually all are going pretty well, thank-you. What changed was our income which I posted about a few months back. While we were working, we saved, over 20% per year on average. We topped off the 401(k)s and IRAs, and put aside money for…
  • 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…
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    Financial Samurai

  • Which States Are Best For Retirement?

    Financial Samurai
    26 Apr 2015 | 3:08 am
    Tiburon, California America is amazing because we’re free to relocate anywhere in the country that suits our desires. A lot of people scoff at the idea of just moving because of family and job responsibilities. But when you can take a plane anywhere in the continental US in under six hours, telecommute from home, and FaceTime with people you care about, why wouldn’t you at least give moving to a nicer place a shot? There are even plenty of flexible job opportunities by the sharing economy that can help pay the bills during a transition. The best states to live in have a…
  • Buying Structured Notes For Downside Investment Protection

    Financial Samurai
    24 Apr 2015 | 3:08 am
    Are your investments hedged? We could be in another financial bubble, but nobody really knows when a correction will take place. You might not even care if your investments decline by 20% or more over a year time frame if you are looking to invest over the next several decades. But alas, none of us will live forever, and nobody really likes to experience downside volatility. Sooner or later, we’ll have to deploy our capital for life, leisure, and charity. Not everybody wants to leave a financial legacy to raise spoiled kids! One of the strategies I’ve taken to protect against…
  • What Type Of Investment Property Should I Buy? Single Family Home, Condo, or Multi-Unit

    Financial Samurai
    22 Apr 2015 | 3:08 am
    Buy property for lifestyle For years, I sort of regretted buying a single family home in San Francisco instead of a multi-unit property. Even though the idea was to grow into this four bedroom home, it felt wasteful during the meantime with only the two of us. So I finally decided to rent out the ground floor bedroom to a middle school teacher for below market rent. I’ve always had a soft spot for teachers, and it felt good helping someone who made less than $36,000 a year find a place in a good neighborhood within walking distance from work. With the money I spent on buying the house…
  • Are We In Another Financial Bubble? Valuations Look Stretched

    Financial Samurai
    20 Apr 2015 | 3:08 am
    Of course we are in a bubble! When you’ve got people with no professional financial experience giving investment advice, you better believe we’re in a bubble. Online investing advice by non-finance professionals is the modern day version of shoe shine boys giving stock tips prior to the crash of 1929. Always understand the background of those who give investment advice before considering their counsel. Even after 20 years of investing and working in the finance industry, I always feel uncomfortable giving any sort of investment advice because I’ve had way too many losses…
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    Personal Finance Blog

  • Handling Tax Audits Successfully

    Sherry Tingley
    27 Apr 2015 | 6:24 am
    Don’t ignore tax audit notifications. Be prepared to face an audit. Tax Audit? Don’t Panic Well, the annual tax mania is over once again. Now you can sit back and relax. Unless, of course, you are one of those that the IRS singles out for an audit. Less than 1 percent of the tax-paying public gets that experience, but it can be unnerving. Audits are what have given the tax agency its ogre-ish reputation and generated visions of torture and merciless browbeating by suit-clad agents. Here’s how to address an audit if it happens: To begin with, an innocent looking letter from the IRS,…
  • Retirement Planning Should Begin When You Are Young

    Twila VanLeer
    25 Apr 2015 | 1:26 pm
    Begin thinking about retirement plans when you first start earning money.Waiting until retirement is around the corner to get serious about preparing for it is a serious mistake. The ideal time to start thinking about post-employment issues is when you are still in your 20s or 30s. Consistently setting aside money and then monitoring it to see that it is earning the best possible returns is your best bet for being financially secure when the front porch swing beckons., according to financial planners. In fact, the Wells Fargo Institutional Retirement and Trust, which tracks trends, has…
  • Watch Bank Statements For Fuel Fraud

    Twila VanLeer
    1 Apr 2015 | 9:54 am
    Watch your bank statements to make sure there are no fraudulent charges.The price of gasoline is lower than it has been for a while. Still, nobody wants to pay for gas someone else pumped into their vehicle and charged on your debit card. It happens more frequently than you’d think. In some areas of Florida it has become epidemic. How does it happen and how do you avoid it? First and foremost, check bank statements regularly to spot any unexplained charges. Suspicious charges on your card for gas tend to be in large amounts, often higher than the amount you could possibly put in your…
  • Job Hunting At 60 Plus

    Twila VanLeer
    31 Mar 2015 | 1:01 pm
    Older job hunters will find it’s different from the same process when they were younger. There are some common mistakes that can be easily fixed. Among them: You can’t both sit back and relax as if you were fully retired and look for work. Actively be seeking a job if that’s what you really want. Employers can spot the self-starters. Consult or do blogging in your field to raise your profile. And use the resources you have gained during your career. Network. Finding a job through an old associate or family member is the most likely route to a new position. Don’t boast that no one can…
  • 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…
 
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    Unbiased financial advice from fee-only financial planners

  • Is “good enough” the secret to wealth?

    Danielle L. Schultz, CFP®, CDFA
    21 Apr 2015 | 9:32 am
    Normally the Wall Street Journal starts touting tech innovations three months before they’re on the market, and then spends the next three months reviewing how they don’t work quite right. Got to keep that market churning, no? But two recent articles about trends have me amused and bemused, and I think they relate to how much dough you hold onto. The first one was on how people are not replacing their electronic devices as fast as they used to. Basically, after the initial kinks are worked out (and that time span is getting shorter), electronic devices pretty much work. As …
  • What to Do if You’re a Victim of Tax Fraud

    Jim Blankenship, CFP®, EA
    21 Apr 2015 | 8:00 am
    Hopefully this will never happen to you but in the unfortunate event you become of victim of tax fraud there are some steps that you can take to help alleviate the concern that someone has stolen your identity to file a fraudulent tax return in order to receive the refund. Generally, the first sign of fraud appears when you try to file our return electronically. Most e-file providers receive acknowledgements from the IRS that the return was successfully e-filed. If a return is rejected, a code will return with the rejection indicating what the issue is. For example, a sign …
  • Pay Attention to Automated Retirement Savings Plans

    Claire Emory, MBA, CFA, CFP®
    21 Apr 2015 | 5:55 am
    Once we have decided what to contribute to a 401(k) or other automated savings plan, we just assume that money is being set aside and perhaps only check its growth once a year or so. A Washington Post “@Work Advice” column outlines scenarios that demonstrate why our retirement accounts and investments merit more vigilance. As the title “When your company plays fast and loose with your retirement savings” indicates, your employer may not play fair with your retirement funds. One reader wrote in to say that while it seemed that her company had set up her IRA on …
  • Investors Greatly Undervalue Safeguarding Their Money

    Matthew J. Illian, CFP®, AIF®
    9 Apr 2015 | 5:00 am
      I read with interest an article in Financial Planning Magazine entitled, “HD Vest Settles SEC ‘Supervisory Failures’ Charges“, which read in part: HD Vest, a CPA-centric independent broker-dealer, agreed to pay $225,000 to settle SEC charges of supervisory failure, following the barring of a former independent representative who allegedly swindled his elderly clients of over $300,000. … During his time with HD Vest, Lewis J. Hunter convinced two elderly clients to invest $250,000 in a Canadian bank in 2010 and 2011, providing fabricated guaranteed investment certificates and…
  • File your tax return on time, even if you can’t pay

    Jim Blankenship, CFP®, EA
    8 Apr 2015 | 5:21 am
    So you’re up against the deadline for filing your taxes, and when you run the final numbers you discover that you’re going to have to pay a boatload of tax. Panic-stricken, you look at your bank account and see single digits, and there’s nowhere near enough left over on payday to make the tax payment. What should you do? Go ahead and file your tax return on time, even if you can’t pay. If you have all of the information to file a correct tax return on time, you will avoid penalties for not filing. You’ll still have penalties for…
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    Budgets Are Sexy

  • “What The Hell Is a Wishing Well?”

    J. Money
    27 Apr 2015 | 2:02 am
    If you ever had to attend a wedding or any of the parties that surround it, you’re going to appreciate this email. If you’re the couple who’s referenced here, you’re probably not :) I want your comments/tips/thoughts afterwards! Hi there, I have a question for you. I have an engagement party this weekend. On the lovely commercially printed invite are the words “wishing well optional.” Now, I lived in Canada for 20 years up until 2 years ago when I moved back to Australia. I have never heard of a wishing well or been to an engagement party over there. I…
  • This Week in Money, Apps, and Sexy New $$ Books

    J. Money
    24 Apr 2015 | 2:02 am
    Poor people spend their money, and invest what’s left. Rich people invest their money, and spend what’s left. - Jim Rohn Something tells me we have more rich people reading this today than poor people, am I right? Right? Right??? (In the voice of Ned Ryerson from Ground Hogs Day ;) “Watch out for that first step, it’s a dooz-ey!”) A big week for us here in the Money household, friends. For the first time in 2 years we didn’t pay a penny to daycare! Woo! My wife’s exhausted as hell, but our baby nuggets sure had a great time at home playing with each…
  • Being Happy = Being Happy

    J. Money
    22 Apr 2015 | 2:08 am
    Yesterday I found my biggest score yet on a single walk: 16 whole cents! Six pennies and one dime, just littered on the ground as if money fell from trees (maybe they did fall from a tree? :)). I was so excited that I not only rushed home to exclaim my exuberance to the wife (she didn’t care), but to also hit up Instagram and Twitter too, of course, to share my findings with the world. People there cared a little more, but I tell you all this is ‘cuz it made me just as happy as if I had found a $100 or even $1,000* bill instead. Which also would have been pretty exciting, but not…
  • What I’ve Learned About Money Over 60+ Years

    J. Money
    20 Apr 2015 | 2:00 am
    Two of my favorite things about finance blogs are real numbers and real stories. And today we’re going to share a jam packed mixture of both :) This note you’re about to read was sent over by a new reader of this site who’s gone through an array of ups and downs throughout her lifetime, and was kind enough to let me publish this. She’s a Sexagenarian (person in her 60′s, ow ow!) and shares her decades long journey with money so far. Well worth the entire read! I’m really enjoying your blog. I thoroughly endorse your constant message to your readers to SAVE!
  • Me Gusta Mucho Dinero!

    J. Money
    17 Apr 2015 | 2:02 am
    “Opportunity is missed by most people because it is dressed in overalls and looks like work” – Thomas Edison #BAM. Tell ‘em Thomas! I’m pretty sure he’d approve of our Side Hustle Series, would you agree? Of which, btw, I’ll have a new one to share with y’all shortly – should be a juicy one! Lots of interesting/fun/annoying stuff going down this week, so let’s dive right in… And as always, I threw in some new cool $$ companies I came across this week too, hope they help :) In Money News… Maxed out my Roth IRA ($5,500) for…
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    Financially Poor

  • Payday Advance Loans Online – A Great Loan Option for Those with Bad Credit

    Kevin
    26 Apr 2015 | 10:09 pm
    Sometimes in life, you will need money fast. If you have bad credit, this can be a real problem. However, you don’t have to worry, as you should be able to get a payday loan online, without having to go through a credit check. It’s Easy to Get a Payday Loan There are only very few requirements to be able to receive a payday loan. These are: You must be at least 18 years old. You must hold a valid bank account. You must a citizen of this country. You must be employed or have proof or regular income. What to Expect You need to know how these types of loans work. Basically, when you apply…
  • Best Tips For Renting Your Home

    Kevin
    26 Apr 2015 | 7:59 am
    If you’ve been trying to rent out your home for a while, there’s a good chance that you’re getting to a point where it all seems pointless. You’ve got your landlord insurance from a company like Endsleigh insurance, you’ve made sure that all safety checks have been done and that all the fixtures and fittings are set. Even after all these arrangements have been made it can still be a struggle trying to get your house out there. Here are a few quick hints about how to make your house stay in the minds of the people that are viewing it. 1. Potential tenants are…
  • Homeowners Insurance and Natural Disasters the Facts You Need to Know

    Kevin
    24 Apr 2015 | 7:46 am
    Natural Disasters happen each and every day. Some of the most common disasters that can disturb our lives include major weather storms such as a snowstorm, a big rainstorm, a hurricane, a tornado, and so on. Other common natural disasters seen all around the world include tsunamis, volcano activity, and more. The only protection that you really have from these types of devastating events is your homeowners insurance. By having the right insurance, you can rest easy knowing that if a natural disaster does occurs you and your family will be protected and will be able to survive, both…
  • 11 Strange Taxes You Probably Don’t Know About

    Kevin
    22 Apr 2015 | 7:08 am
    Tax season is just around the corner, which means it’s time to take a step back and consider the taxes we pay annually. Taxes are practically as old as money itself. In fact, Benjamin Franklin once famously said, “the only things certain in life are death – and taxes.” Whether you’re the type of person who gratefully hands off your financials to an accountant each year, or begrudgingly does them all by hand, there’s plenty to find interesting about this topic. For instance, did you know there was once a tax on urine? Seems unlikely, to be sure, but in ancient Rome, urine had a…
 
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    Couple Money

  • Simple Banking and Humble Bundles

    Elle Martinez
    24 Apr 2015 | 6:15 am
    It’s Friday! Before I check out for the weekend I want to share what’s been going on this past including an awesome deal on games and a checking account designed to help you save more money. Humble Bundles – Fun Games, Great Causes Humble Bundle raises money for great causes by offering deals on electronic content. You pay what you want for them and decide how much of the money goes to the publishers and how much goes to charity. I think it’s a creative way to help out others while affordable snagging some entertainment for yourself. There’s an Origin bundle…
  • How to Stop Fighting About Money and Build Wealth Instead

    Elle Martinez
    21 Apr 2015 | 8:20 am
    Welcome Master Your Money Viewers!  I hope you enjoyed Part One of the Master Your Money series. Please join in Part Two at 8pm ET tonight when three fantastic bloggers share their best money tips. To make things easier for you, I’ve included below information and links to the topics I discussed in my presentation. Money & Marriage Podcasts I’m a believer in finding a support network to help you two learn to communicate better and become more money savvy. With podcasts becoming easier to follow, here are some you may want to listen to and subscribe. Couple Money Podcast One…
  • Moneystepper’s 2015 Savings Challenge Update #3

    Elle Martinez
    17 Apr 2015 | 5:34 am
    It’s time for an update on the MoneyStepper’s 2015 Savings Challenge. Actually it’s overdue, but because we took a spring break last week I’m not feeling too bad. I’ve signed us up for it as a fun 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. March Net Worth and Savings Results March went by way too quickly – it was my first month back to work since having the baby. Even now, my…
  • Join Us for Money Smart Week and Master Your Money!

    Elle Martinez
    15 Apr 2015 | 3:33 pm
    Looking to Master Your Money? Great news; Money Smart Week is coming up quick and with it a ton of great events and resources to help you! Created by the Federal Reserve Bank of Chicago in 2002, Money Smart Week® is a public awareness campaign designed to help consumers better manage their personal finances. This year it runs April 18 – 25, 2015. There are events throughout the week from partner organizations including financial institutions, libraries, government agencies, media and nonprofits. They’ll be covering all of the major money topics and reaching out to all…
  • What You Need to Know About Mortgages

    Elle Martinez
    13 Apr 2015 | 3:00 pm
    Buying a house is typically the biggest purchase couples make. You two can be ahead of the curve and save tens of thousands of dollars by learning the essentials about mortgages. I’m not a professional financial expert so I compiled a list of questions that home buyers may have and sent them to Coastal Federal Credit Union. They came through and one of their mortgage loan officers took the time to answer my questions about buying a home and getting a mortgage that works with your budget. (Note: Minor editing to make format it for this post) Saving Enough to Buy a House While saving…
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    Beating Broke

  • Is Not Keeping Up with the Joneses Boring?

    MelissaB
    27 Apr 2015 | 5:34 am
    We’ve been on a journey to pay off our debt for 3.5 years now.  At first, we were gazelle intense, but then I burned out from working too hard, so we slowed down on the debt repayment. Last year, we moved to Arizona from Illinois, so our money became much tighter as we faced unexpected moving expenses.  (Aren’t there always unexpected expenses when making such a long move?) To make matters worse, in the first 3.5 months of 2015, we’ve faced $5,000 in unexpected car repairs and dental bills. The good news is that even though we haven’t made significant debt repayment progress over…
  • Giveaways: Budget Stretcher or Waste of Time?

    MelissaB
    20 Apr 2015 | 6:09 am
    Giveaways are nothing new.  Just read a handful of blogs and you’ll likely find plenty of giveaways.  But are they worth the time and effort?  Can you ever win something good? I’ll be honest, my husband and I are digging out of a hole of debt.  The good news is that we’ve paid off over half of our debt.  Yeah! However, we’ve reached a point where we firmly refuse to acquire any new debt.  Meanwhile, our car is 10 years old and has 150,000 miles on it, our 10 year old needs braces, and we’ve just had nearly $2,000 in medical and dental work. . . Our money is stretched to the…
  • 5 Ways to Save When Online Shopping

    Thomas Bawdy
    13 Apr 2015 | 5:51 am
    Online shopping is a multibillion dollar industry and it continues to grow for a couple of reasons. Aside from the obvious fact that it’s extremely convenient to shop at home in your PJ’s and avoid all the crowds, another major benefit to shopping on the web is that it can save you money. Not only does the act of simply being present in a physical store result in more impulse purchases, but the Internet and new technologies today give us access to a multitude of tools that can help in significantly reducing the overall cost of our shopping carts. Here are five great strategies for saving…
  • 2 Best Places to Start Fixing Your Finances

    Jeff @ Sustainable Life Blog
    7 Apr 2015 | 5:58 am
    When I first started trying to get my finances under control, I had no idea where to start. I tried to follow a patchwork of ideas like pay yourself first and only spend X percent of your income on rent, but at the end of the month there would always be more month than money. I couldn’t figure out what I was doing wrong until someone asked where my money was going every month. Aside from food, rent, cell phone and credit card payments, I had absolutely no idea. It was such a simple question and the answer ended up keying my turn-around financially but it took me a while to realize that…
  • 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…
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    Stack The Chips

  • 3 Financial Steps Young Adults Must Take

    Edwin C
    25 Apr 2015 | 12:36 am
    You’ve finished school and you’re finally out on your own. Sure, you had a part-time job as a student, but really you were financially supported by your parents (or maybe even student loans for college). To some extent, that requires you to learn money-management. But your financial situation was probably never truly dire. Now, though, things are different. You are solely responsible for all your bills and you seem to have more of them than ever before. Here are some ways to give yourself the best shot at staying above water. 1. Create a budget It’s way too easy to think you’re…
  • 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,…
 
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    MichaelHaltman.com

  • People Should Be Free to Feed the Poor

    MichaelHaltman
    22 Apr 2015 | 10:04 am
    The world would be a much bleaker place if it weren’t for good Samaritans sacrificing their time and effort to give to those in need. Even a country as prosperous as the United States has people in need. They are in homeless shelters and frequently on the streets of cities across America. It is a struggle for localities to balance helping these people while also serving the rest of their constituents who may feel uncomfortable having such displaced people in close proximity and the attendant issues and problems that arise. There is a disquieting trend, however, in cities around the…
  • Are Greece’s Banks Ready to Default?

    MichaelHaltman
    22 Apr 2015 | 9:55 am
    The debt situation in Greece looks like a major turn for the worst is unavoidable. A crisis is looming and banks are experiencing great depletions in cash flow. Citizens are performing runs on the banks as fear grows they may not be able to make withdrawals when needed. Paranoia is not fueling this sentiment. The populace of Greece knows the current debt situation is a dire one. They are not alone. The French government has publicly stated that the banking system in Greece is not going to last much longer. Perhaps France is trying to nudge Greece’s government into making better…
  • Bad Credit = No Job – Not in the Big Apple

    MichaelHaltman
    22 Apr 2015 | 8:23 am
    Looking for a job can be stressful enough. The last thing you need to worry about when you are looking for a job is your credit score and how it affects your ability to obtain employment. When looking for an employee, an employer such as Ivan Ong should not be able to base one’s ability to perform the job functions based on their credit score, but in most of the country they do. Thanks to a new law in the state of New York though, employers will no longer be able to review your credit history as part of the application process! This should be law nationwide as no one should have to worry…
  • The Truth About Bobbi Kristina Brown

    MichaelHaltman
    22 Apr 2015 | 7:02 am
    When Bobbi Kristina Brown was found unconscious the world was concerned about her. Over the past several weeks the world has been keeping up on her story and has remained curious as to just how she is doing and whether or not she is improving. The world wants to know about this individual and they want to hear good news about her. Recently there was news that Bobbi Kristina Brown had awakened in the hospital. Now, new sources say that those reports were not true. The sources now say that Bobbi Kristina Brown is still in the condition that she was originally in. What is the truth regarding…
  • Insurance Companies to the U.S: Your Infrastructure Is At Risk

    MichaelHaltman
    22 Apr 2015 | 6:47 am
    This Tuesday, the SmarterSafer coalition released a report urging the United States government to invest infrastructure and disaster prevention, instead of spending tax dollars after disasters happen. The SmarterSafer coalition is made up of large insurance companies, consumer and taxpayer advocates, and environmental organizations, and includes such members as the National Wildlife Federation, the Sierra Club, Liberty Mutual, and the National Housing Conference, to name a few. The nature of the report makes sense at this time. Large scale climate disasters such as mega storms, tsunamis and…
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    The Economic Peephole

  • People Should Be Free to Feed the Poor

    MichaelHaltman
    22 Apr 2015 | 10:04 am
    The world would be a much bleaker place if it weren’t for good Samaritans sacrificing their time and effort to give to those in need. Even a country as prosperous as the United States has... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Are Greece’s Banks Ready to Default?

    MichaelHaltman
    22 Apr 2015 | 9:55 am
    The debt situation in Greece looks like a major turn for the worst is unavoidable. A crisis is looming and banks are experiencing great depletions in cash flow. Citizens are performing runs on the... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Bad Credit = No Job – Not in the Big Apple

    MichaelHaltman
    22 Apr 2015 | 8:23 am
    Looking for a job can be stressful enough. The last thing you need to worry about when you are looking for a job is your credit score and how it affects your ability to obtain employment. When... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • The Truth About Bobbi Kristina Brown

    MichaelHaltman
    22 Apr 2015 | 7:02 am
    When Bobbi Kristina Brown was found unconscious the world was concerned about her. Over the past several weeks the world has been keeping up on her story and has remained curious as to just how she... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Insurance Companies to the U.S: Your Infrastructure Is At Risk

    MichaelHaltman
    22 Apr 2015 | 6:47 am
    This Tuesday, the SmarterSafer coalition released a report urging the United States government to invest infrastructure and disaster prevention, instead of spending tax dollars after disasters... [[ 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

  • Macquarie Credit Union Visa Credit Card – Rates & Fees

    Elizabeth Barry
    20 Apr 2015 | 10:35 pm
    Macquarie Credit Union Visa Credit Card Review Anyone looking for a basic low rate credit card should take a look at what Macquarie Credit Union has to offer. For the first months you’ll be charged an introductory rate of on balance transfers. What also helps is that you don’t have to pay the account’s closing balance […] The post Macquarie Credit Union Visa Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • CUA Low Rate MasterCard – Rates & Fees

    Elizabeth Barry
    20 Apr 2015 | 8:50 pm
    CUA Low Rate MasterCard Rates & Fees If you want a credit card that allows you to transfer balances from existing cards and charges a low introductory rate, you can consider applying for the CUA Low Rate MasterCard. Pay your account’s outstanding balance in full each month you can have up to  interest-free days on purchases. […] The post CUA Low Rate MasterCard – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • Lombard 55 Visa Card – Rates and Fees

    Elizabeth Barry
    20 Apr 2015 | 8:18 pm
    Lombard 55 Visa Card Review What sets this credit card apart from most others is that you can use your card to make interest free purchases at some of the leading retailers in Australia. If you use your card in the right manner you can get up to interest-free days on all other purchases. The […] The post Lombard 55 Visa Card – Rates and Fees appeared first on Compare Australian Credit Cards and Offers.
  • St.George Corporate MasterCard – Rates and Fees

    Elizabeth Barry
    20 Apr 2015 | 12:44 am
    St.George Corporate MasterCard Review Businesses looking at getting credit cards for their employees can consider applying for the St.George Corporate MasterCard. You can get multiple cards linked to a single account, and by setting different limits for each card you get to decide who can spend how much. MasterCard Connections Online simplifies keeping track of […] The post St.George Corporate MasterCard – Rates and Fees appeared first on Compare Australian Credit Cards and Offers.
  • Big Sky Visa Low Rate Credit Card – Rates and Fees

    Elizabeth Barry
    20 Apr 2015 | 12:32 am
    Big Sky Visa Low Rate Credit Card Review The competitive rate that this card attracts, which currently stands at , applies to purchases, cash advances, and any amount you bring over in a balance transfer. If you use your card in the right manner, you can get up to interest-free days for purchases and balance […] The post Big Sky Visa Low Rate Credit Card – Rates and Fees appeared first on Compare Australian Credit Cards and Offers.
 
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    Money Spruce

  • 8 Tactics For Breaking Your Lease Without Losing Money

    Justin Weinger
    27 Apr 2015 | 2:00 am
    Signing a lease on an apartment definitely has its pros and cons. With the standard one-year lease, you’re guaranteed a place to live at a fixed rate for that period of time.  Simultaneously, you’re bound to that contract and can’t simply leave without financial repercussions. Fortunately, there are some ways to still have flexibility while under a lease and to limit the financial damage if you want or need to break that lease.  Here are some of the tips I’ve learned after dealing with several landlords. 1. Find out if you’ll be able to sublet your apartment. …
  • The Up-Side of Being ‘Cheap’

    Justin Weinger
    26 Apr 2015 | 3:51 pm
    Okay, we all know that being called “cheap” is usually something that is not a compliment. The fact is however that being frugal is actually very good for your finances, and offers quite a few financial rewards, which we’ll take a look at below. Enjoy. 1) Paying less in interest rates. Saving up money ahead of time will allow you to avoid borrowing so much money and paying a lot working interest when it’s time to purchase a new home or automobile. Choosing a less expensive home is also a way that frugal people save, because they don’t let their egos talk them into buying a huge…
  • 7 Habits That Lead to Wealth

    Justin Weinger
    21 Apr 2015 | 2:00 am
    When most of us think of “wealthy” people today, we think of star athletes, movie stars and wealthy businessman. The fact is however that many “average” Americans are also quite wealthy, and it had nothing to do with their ability to play a sport, act or conquer the business world. In fact, these people simply had a number of habits that helped them to become wealthy and, as people do with habits, they stuck with them in the long run and built their wealth, much the same as anyone else could do if they had the same habits. If you’d like to copy these habits you’re in luck because…
  • IRAs: What You Need to Know for 2015

    Justin Weinger
    18 Apr 2015 | 8:15 am
    Individual Retirement Accounts (IRAs) allow you to save for retirement by taking advantage of certain provisions in the tax code. As with everything else in the tax code, the rules about IRAs can change from year to year. Here’s what you need to know for 2015. An IRA can be set up by a bank, a mutual fund or your favorite online brokerage. There are two kinds of IRAs that you can open: Traditional IRA – Gives you a tax break on the money that you save for retirement. Roth IRA – Allows you to put in after-tax money, but you won’t pay taxes when you withdraw it later. Which one is…
  • 3 Money Saving Rules to Follow

    Justin Weinger
    16 Apr 2015 | 2:00 am
    When it comes to money it seems that very few people have the ability to do one thing: take good advice. Let’s face it, most people see saving as being “boring” and spending as being “fun”, which is one of the reasons that millions of Americans are up to their eyeballs in debt. Below are 3 extremely basic but excellent rules about money that experts have been giving out for years but, unfortunately, nobody seems to be following. If you want to keep your finances looking good, keep your debt extremely low and retire with a lot of extra money, you would do well to…
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    Good Financial Cents

  • GF¢ 049: From Broke at 37 to Self-Made Millionaire

    Jeff Rose
    16 Apr 2015 | 2:59 am
    Broke at 37. Self-made millionaire. Frugal, Author of Filling the Glass: The Skeptic’s Guide to Positive Thinking in Business. Semi-retiree by choice (“it’s incredibly difficult to turn off the moneymaking machine” ). Barry Maher is living life and loving it.   Here’s some words from Barry himself: I’m semi-retired and loving it! Through saving and investing, a lot of hard work and more than a little luck, I’m able to afford to retire completely. But why should I, when as a speaker I’ve got the kind of part time job that many people only…
  • What Happens If You Don’t File Your Tax Return?

    Jeff Rose
    14 Apr 2015 | 2:00 am
    The old saying goes there are only two certainties in life: Death and Taxes. We know we can’t cheat death, but did you ever wonder what happens if you file your tax return late? Or even worse,  you don’t file your tax return at all? Frankly, I’m too scared to find out what would happen if I didn’t file my taxes . Just in case you ever flirted with the idea, here’s the penalties you face from the IRS. If you already missed the boat,  here are some options if you missed the tax deadline. Warning: You don’t want to mess with the IRS.  Depending on the…
  • 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…
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    One Family's Blog

  • Tracking Edward Lampert's RBS Partners Portfolio - Q4 2014 Update

    ks
    11 Apr 2015 | 4:22 am
    Below is a spreadsheet that shows the changes to Edward Lampert's RBS Partners 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 Mark McGoldrick & Jason Maynard's Mount Kellett Capital Management Portfolio - Q4 2014 Update

    ks
    11 Apr 2015 | 4:16 am
    Below is a spreadsheet that shows the changes to Mark McGoldrick & Jason Maynard's Mount Kellett Capital Management 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 [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Robert & Jeffrey Bruce's Bruce Fund Holdings - Q4 2014 Update

    ks
    11 Apr 2015 | 12:55 am
    Below is a spreadsheet that shows the changes to Robert & Jeffrey Bruce's Bruce Fund 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! ]]
  • 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! ]]
 
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    Cash The Checks

  • Three Ways To Boost Your Cover Letter

    Edwin C.
    23 Apr 2015 | 9:14 pm
    Cover letters are hard. A lot of people don’t even do them anymore. And I know some hiring managers who don’t read them because, in their words, they’re always so awful anyway. But most people will read them. Especially if your resume is almost on-point but not quite. A cover letter can go a long way to showing a potential employer how well your experience will mesh with the job you’re applying for. There is a lot of advice for writing cover letters. These three tips are broad ideas but they’re the biggies. These are the things you have to do if you want to stand out. 1. Don’t…
  • 7 Little Known Expenses You Can Write Off On Your Taxes

    Edwin C.
    7 Apr 2015 | 1:03 pm
    When it comes to taxes, there are some things everyone knows they can write off in order to get more money back, like like exemptions for kids, mortgage interest and business expenses for example. However, there are a great deal of other expenses that can be written off to lower your tax liability too. While most have some rules involved, the majority of write-offs are pretty easy to remember and take advantage of. Here are 7 not-so-well-known tax deductions. Moving Expenses If you move a very large distance, and can show that the move was for work, you can write off any moving expenses you…
  • 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…
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    Credit.com

  • 5 Steps to Getting a VA Loan

    Chris Birk
    26 Apr 2015 | 9:01 pm
    Millions of veterans and active military members are eligible for what’s arguably the most powerful mortgage option on the market. VA loans feature $0 down payment, no mortgage insurance and more flexible and forgiving requirements. To be sure, VA loans aren’t the answer for every veteran. But they continue to make a huge difference, especially for those who might otherwise struggle to land a home loan. Here’s a look at five basic steps to getting a VA home loan. 1. Getting Your Credit in Order The first thing you want to do is make an effort to understand and improve your credit. You…
  • 5 Expensive College Financial Aid Gotchas

    Gerri Detweiler
    26 Apr 2015 | 9:01 pm
    It’s crunch time for high school seniors: May 1 is College Decision Day, the day most college-bound students will let universities and colleges know whether they will be enrolling. For students agonizing over multiple offers, a big factor in choices will (or should be) financial aid. After all, the less you borrow as a student, the less student loan debt you’ll have to repay after college. But those financial aid letters students have received can be confusing at best, and downright deceptive at worst. One parent told me about the worst one her daughter received: “It showed the…
  • 3 Kinds of Information You Should Never Share on Social Media

    Brett Montgomery
    26 Apr 2015 | 9:01 pm
    The digitization of information and the popularity of social media may be putting consumer privacy at risk now more than ever. Some social media users, teenagers especially, may be unaware that the information they share — from their location to their paycheck — could be used for identity theft and fraud. About 92% of teenagers post their real name, 82% list their date of birth and 71% show their city or town of residence on their social profiles, according to Pew Research Center. Here are three kinds of information to never share on social media: 1. Driver’s License…
  • Should I Apply for More Than One Credit Card at the Same Time?

    Christine DiGangi
    26 Apr 2015 | 9:01 pm
    There are so many credit cards out there — what’s to stop you from trying to get a bunch of them in your wallet? Potentially, nothing. If you have excellent credit, you may qualify for most of those great offers. Even if your credit isn’t stellar, you can still get your hands on credit card applications. Anyone can get credit card applications, but they’re not like job applications, of which you might fill out dozens before someone hires you. Every time you apply for credit, a hard inquiry shows up on your credit report, and even though each hard inquiry only hurts your…
  • 6 Credit Cards for World Travelers

    Jason Steele
    26 Apr 2015 | 9:01 pm
    How worn is your passport? If it’s starting to look a little dog-eared, then you are probably a seasoned world traveler. Next to your passport, some of the most important things you carry abroad are your credit cards. The right card can help make your travels smoother and more enjoyable by offering you perks with airlines and hotels, along with travel assistance and insurance when things go wrong. In addition, the best cards to take outside of the United States should have no foreign transaction fees. And while some of these cards for world travelers can have pricey annual fees,…
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    StepChange MoneyAware

  • April’s top debt and money news stories

    Rory
    23 Apr 2015 | 12:44 am
    April 2015 debt news As the new tax year begins, we’ve seen the introduction of large-scale pension changes that have a wide-ranging impact for many people, including our clients. April has also seen the introduction of a new type of debt solution in Scotland to help people with lower incomes who are struggling with their debts. In other news, caps on hefty bills caused by unauthorised calls are set to be limited by mobile phone companies and the UK’s largest payday loan company Wonga has announced a significant profit loss and is considering a change of name. And finally, find out how…
  • Are you being mindful with your money?

    Jo at Mental Health Foundation
    22 Apr 2015 | 8:48 am
    For this year’s Mental Health Awareness Week, we’re re-launching Debt in Mind, our page dedicated to the link between debt and mental health, as well as information on how to deal with both. This year, our friends at Mental Health Foundation (MHF) will be talking about mindfulness and the various benefits it can have on a person’s life. Visit the re-launched Debt in Mind section from mid-May. You may have heard about mindfulness. Perhaps you think it means sitting cross-legged on the floor and meditating. Maybe you think it means to simply concentrate on your breathing. You may have…
  • DIY on a budget No.4 | Cheap and cheerful ways to decorate your bedroom

    StepChange MoneyAware
    21 Apr 2015 | 1:00 am
    In this series of blogposts I’m looking at ways to decorate your house on a budget.  I’ve combed the web for ways to brighten up your home without lightening your purse. We’ve already looked at cheap ways to revive your living room, revamp your kids’ room, and brighten up your kitchen. Now I’m setting my sights on your bedroom. That sounded creepier than I meant it to. As someone who lives in a rented house, I’m always on the look-out for ways to make it more my own. When I moved in, the only personality my bedroom had was where the landlord had shoddily covered up splodges on…
  • 10 clothing tips that’ll save you money

    Jenny
    20 Apr 2015 | 6:00 am
    We all wear clothes. That’s something we pretty much have to do. Unfortunately though, clothes don’t last forever; fabrics will wear and sizes will change. What’s more, occasions may occur and job interviews pop up unexpectedly. All with one underlying theme: “I need something to wear!” The trouble is, when you’re on a budget, buying new clothes might be the last thing on your mind. We already know there are ways to make clothes shopping cheaper, but how can we make sure the clothes we buy are actually going to last? And how can we prolong the life of clothes we already own?
  • 101 ways to save money

    Money Advice Service
    15 Apr 2015 | 8:29 am
    Just like any adventure, committing to living frugally can come with its pitfalls. When it comes to budgeting and taking care of debts, sometimes it’s not so much about making more money as it is about saving the money you already have. The tricky part is knowing where to start! What savings can we make right now that could make a lasting difference? Turns out it might be easier than you think! Here are 101 hacks to save you pennies in six categories, compiled from various sources around the web including the Money Advice Service. If you’re looking for a way to keep the pounds in your…
 
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    Free Money Wisdom

  • Christian Investing Advice

    Jon the Saver
    26 Apr 2015 | 7:43 pm
    When evaluating the Holy Bible, you are sure to discover a lot of christian investing advice. The Bible offers a multitude of lessons, parables, and instructions for just about every single facet of life. Many wonder if the Bible also offers a distinct code for safe financial investments that are also considered to be ethical. The fact of the matter is, yes, the Bible does offer teachings that have the ability to assist people generate wealth in a manner in which Jesus would respect. Each of us has the ability to invest money according to the Will of God. In this free investing guide, you…
  • Faith-Based Financial Advice for Families

    Jon the Saver
    24 Apr 2015 | 5:46 pm
    In researching faith-based financial advice for families, you will find that there are several books, guides, articles, and other types of informative sources available on the topic. Proper management of your monetary resources and living within your means are the two most essential elements in today’s world for Christian families that have a desire to live abundantly and experience a high level of happiness. The Bible teaches us that we should grow wealth with a unique purpose, protect your wealth, and share your wealth with the people of God. In this faith-based financial guide, you will…
  • Mortgage Regulation Helps Lenders Learn from the Past

    Jon the Saver
    24 Apr 2015 | 12:55 pm
    The mortgage industry has undergone a unique series of changes over the last decade. New regulations, for example, have been set in place following a serious default crisis, which brought lending to its knees. Risky practices, it seems, came around on the industry, creating a domino effect that has taken years to reverse. And while high levels of oversight are designed to protect borrowers, the changing landscape of mortgage lending actually hinders buyers, at times. As the mortgage industry continues to evolve, home buyers and remortgagers must adapt to new conditions. What worked a decade…
  • 5 Great Money Saving Tips for Families

    Jon the Saver
    16 Apr 2015 | 11:44 am
    If you are searching for money saving tips for families it is quite likely that you are currently experiencing a few financial issues in your life. In light of the part-time job economic crisis impacting the nation, company pension compensations at an all-time low, and the cost of living consistently on the rise, millions of people are suffering from the same financial complications. Most families are left feeling as if, regardless of the steps that they take, they are not doing enough to meet the demands associated with the cost of living, much less anything related to their financial…
  • Spring Cleaning Can Save and Make You Money

    Jon the Saver
    7 Apr 2015 | 2:11 pm
    Spring cleaning may help you save money and make money. When you engage in the age-old tradition of spring cleaning, you initiate the process of taking stock of the items that you currently possess, are able to eliminate the items that you no longer need, organize what is left, and clear space in order to add new things. While engaging in this process, you have the potential to save yourself money on future purchases by locating items that you forgot that you had and recycling your possessions to create new items that you may use, without spending any money. Additionally, you may find that…
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    Help Me To Save

  • How I Improved my Experian Credit Score

    Karen Bryan
    26 Apr 2015 | 11:21 pm
    After my surprise at the drop in my credit rating from good to fair, during my free trial of Experian’s CreditExpert, I decided to take action to improve my credit score. I was quite confused about whether closing old redundant credit cards would have a positive or negative effect on my credit score. Having a long-standing credit […]How I Improved my Experian Credit ScoreHow to save money. Copyrighted content published on Help Me To Save.
  • Are the BT Mobile SIM Deals Any Good?

    Karen Bryan
    22 Apr 2015 | 11:53 pm
    There are three new BT Mobile SIM only deals. They all come on a 12 month contract, offer 4G mobile broadband, unlimited BT WiFi and free BT Sport. There’s a £5 a month discount on each for BT Broadband customers. Everyone living in a household with BT Broadband qualifies for the £5 discount. As my Vodafone […]Are the BT Mobile SIM Deals Any Good?How to save money. Copyrighted content published on Help Me To Save.
  • Looking for Freelance Work on Elance

    Karen Bryan
    20 Apr 2015 | 12:14 am
    In January, one of my friends told me that he had found some work through the Elance freelancer work marketplace website. He assisted a hotel in the Middle East with their social media presence. This prompted me to have a look on Elance to see if I could pick up some work in this sphere, based […]Looking for Freelance Work on ElanceHow to save money. Copyrighted content published on Help Me To Save.
  • All Credit Card Statements Should Clearly State End Date of Promotional Offers

    Karen Bryan
    16 Apr 2015 | 11:22 pm
    I was impressed that the monthly statement for my Santander 123 Credit Card clearly stated the end date of the promotional 23 month 0% rate of interest on new purchases and balance transfers. The date was  at the bottom of the list of transactions for that month. I believe that this is really useful for […]All Credit Card Statements Should Clearly State End Date of Promotional OffersHow to save money. Copyrighted content published on Help Me To Save.
  • Review of BT Infinity Fibre Broadband

    Karen Bryan
    14 Apr 2015 | 11:06 pm
    We had BT Infinity fibre broadband installed in late January 2015. I’d been thinking about upgrading from standard broadband for some time and took the plunge after BT finally offered a discounted price of £8 a month for BT Infinity 1 Unlimited (with speeds up to 38Mb) on a 12 month contract. I was originally […]Review of BT Infinity Fibre BroadbandHow to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • For-Profit Corinthian Colleges to Close All Remaining Schools

    Doug Gross
    27 Apr 2015 | 7:39 am
    Corinthian Colleges, a for-profit higher-education chain that was targeted by federal regulators because of its high-cost student loan program and its lofty claims about student success, is closing all of its remaining schools. The shutdown, announced Monday and effective immediately, will affect about 16,000 students and 28 “ground campuses” owned by Corinthian. It comes after the U.S. Department of Education levied a $30 million fine on the chain for “serious” misrepresentations about job placement rates for its students. Corinthian once had more than 100…
  • Small Business Success Story: Marks Group Helps SMBs Reach the Cloud

    Benjamin Pimentel
    27 Apr 2015 | 6:00 am
    If you’re a small-business owner, you’re probably using computers and all that technology stuff to run your company. But you may still be using technology the old-fashioned way, the way small businesses did it in, say, 2010. You probably have PCs in the office, servers in a backroom connecting them in a network and some other gear where you store all your your data. The software you’re using probably came in a shrink-wrapped box, and you hired an IT expert to install it and run your network. Yep, that’s old. That’s pretty much what a Pennsylvania heating and cooling company had and…
  • Best Places to Start a Business

    Cindy Yang
    27 Apr 2015 | 6:00 am
    Boulder, Colorado-based Grasshaven Outdoor sells canvas tepees, durable dinnerware and patterned picnic coolers — accessories for glamorous camping, or “glamping,” as founder Dawn Bitz calls it. Since she quit her corporate job to start the company in 2012, Bitz has been called the “Martha Stewart of camping” and the “camping style diva.” She got the idea for the business when she was planning a camping trip with her husband and kids but couldn’t find gear that was both stylish and functional. “It was literally one of those middle-of-the-night epiphanies,” she says…
  • Best Places for Tech Jobs

    Sreekar Jasthi
    27 Apr 2015 | 6:00 am
    The technology industry is booming, and the benefits are spreading far and wide — in California’s Silicon Valley and beyond. Metropolitan areas across the nation are home to opportunities in a variety of tech jobs. Companies also are hiring for roles ranging from software developers and Web developers to computer and information research scientists and everything in between. The most successful tech cities are home to big companies or are places that encourage startups through accelerator programs and venture capital investment. Best of the best NerdWallet examined the nation’s 370…
  • Best Cities for Young Families in Virginia

    Jonathan Todd
    27 Apr 2015 | 5:00 am
    Virginia is an anchor in the mid-Atlantic region, squarely between the Southeast — one of the fastest growing areas in the U.S. — and the Northeast, the country’s economic center. In turn, Virginia has adopted elements of both regions, allowing young families living in the commonwealth their choice of communities: affordable and fast growing or established and stocked with amenities. For example, Virginia is growing faster than the country as a whole, with the state population jumping over 16% since 2000, compared with 12% for the rest of the U.S. As well, the state also resembles its…
 
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    Card Hub

  • 2015 Credit Card Rewards Study Report

    Alina Comoreanu
    27 Apr 2015 | 4:30 am
    Picking a rewards credit card is a big deal, and the market can be difficult to decipher – with hundreds of available offers, numerous rewards currencies and various restrictions to watch out for. And, the truth is, some issuers simply provide more value than others. Carefully comparing your options prior to submitting an application thus proves to be quite pivotal and can be the difference between reaping enough rewards for a plane ticket versus a small-value gift card. CardHub has therefore taken on the task of reviewing the consumer credit card rewards market for you. We analyzed every…
  • 2015 Small Business Credit Card Study

    Alina Comoreanu
    22 Apr 2015 | 4:30 am
    Small business owners aren’t people. Well, at least that’s how the current regulatory environment portrays them. Congress pretty much left the small business community out in the cold by not including credit cards branded for business use within the scope of the Credit CARD Act of 2009. That might not seem like too big of a deal at first, but consider all the CARD Act has done for consumers in recent years. The law’s bans on bait-and-switch pricing, exorbitant fees and shady accounting practices have resulted in not only a more transparent credit card marketplace, but also a two…
  • What’s Important About Your Credit Card Receipt & Signature

    Debra Wei
    17 Apr 2015 | 3:55 pm
    Our wallets are full of them, they’re scattered all over our cars, and we find them stashed in our pockets – and no, we aren’t talking about dollar bills or even loose change. We’re referring to credit card receipts. Despite being regarded by many as obsolete paperwork, receipts have a clearly defined role in the current payments landscape. We’ll go into more detail about that below, as well as explain what’s included in a receipt, whether or not you have to sign them and tips for avoiding common mistakes. Source http://www.cardhub.com/edu/credit-card-receipt/
  • FICO Score: Range, What’s Good & Free Options

    John Kiernan
    16 Apr 2015 | 3:44 pm
    The Fair Isaac Corporation issues one of the most widely-used credit score – the FICO Scores. Your FICO Score commonly influences the credit card and loan terms you can qualify for, the insurance premiums you pay as well as your ability to rent an apartment or lease a car. This score is essentially a three-digit representation of the information in your credit report and ranges from 300 (Bad) to 850 (Excellent). One of the most confusing things about FICO Scores is that numerous variations exist, including individual scores based on Experian, Equifax and TransUnion credit reports and others…
  • How to Build Credit as a Student: Tips, Pitfalls & More

    John Kiernan
    15 Apr 2015 | 10:15 am
    It is extremely important to begin building credit as a student. Your credit score is very valuable, dictating what loan and credit card terms you can get, the insurance premiums you pay, your ability to rent an apartment or lease a car and – perhaps most importantly – your eligibility for certain jobs, particularly those requiring a security clearance or entailing monetary responsibility. And, the best part is, everyone starts with a clean slate. That’s actually a double-edged sword in that only two paths exist from your starting point:  up and down. You don’t want to take the…
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    CreditDonkey

  • 23 Ways to Pay Off Student Loans Fast

    27 Apr 2015 | 12:00 am
    Student loan debt can bring you down the longer you have to carry it around. Come up with a plan for paying it off sooner rather than later with our 23 tips. Student loan debt has reached astronomical proportions in the U.S., topping an estimated $1.2 trillion. As of 2013, nearly 70% of students left school with education debt, and the average loan amount totaled close to $30,000. It’s a huge burden for anyone to take on and can hamper recent grads from making any progress on other lifetime goals, like saving for retirement or buying a home. If you're knee-deep in student loans, paying them…
  • 23 Top-Selling Online Products

    25 Apr 2015 | 12:00 am
    What is the best product to sell online? Here are 23 facts and figures about the top-selling products online. Thanks to the Internet, you can buy just about anything from the comfort of your home these days. Whether you only shop online occasionally or you buy almost everything virtually, it's a quick and convenient way to get the things you need (or want) without having to fight traffic on the roads or deal with pushy salespeople. Retailers understand the value of being able to offer their products online; through the fourth quarter of 2014 alone, stores pulled in an astounding $79.6 billion…
  • Best Ride Sharing Apps: Lyft vs Uber vs Sidecar

    24 Apr 2015 | 12:00 am
    When you need a ride, where should you turn? CreditDonkey rates the best ride-sharing services on availability, price, and culture. Transportation is a necessary expense for every household, but recently we've gained many new options for how to spend that chunk of our budgets. In 2012, around the time The Atlantic was reporting that “a perfect storm of economic and demographic factors” might be to blame for Millennials' indifference to automobile ownership, a new industry (of sorts) was born. These companies provide what is commonly known as ride-sharing services because they're marketed…
  • 23 Scientific Reasons to Get Married

    23 Apr 2015 | 12:00 am
    Today’s trend may be putting off marriage until later in life, but there are many reasons to get married soon rather than later. We’ve thought of 23.1. Two residents are cheaper than one. Having your own place is great but paying all the rent probably isn't so much fun. And don't forget water, gas, electric and your other household expenses. Single people tend to spend a lot more on total housing expenses than married couples. 2. Married people save money on dates. If you're like many singles, you date with a mission—you want company, you're searching for a spouse. You’re taking a…
  • Beginner's Guide to Investing in the Stock Market

    22 Apr 2015 | 12:00 am
    When you want to invest in the stock market but you have no idea where to begin - or what any of it means - start with this beginner’s guide to stocks. Will Rogers once said that the fastest way to double your money was to fold it in half and put it in your back pocket. Safe advice to be sure, but not necessarily the best move if you're trying to build long-term wealth. Investing your money in the stock market certainly means taking on a higher degree of risk than stuffing dollars in your pocket, but it also paves the way towards bigger returns. Playing the market isn't for amateurs, and…
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    Rhonda Sherwood

  • Retirement Planning for Women: The Need to Take Things One Step Further

    Rhonda Sherwood
    21 Apr 2015 | 4:43 pm
      Source Most women embrace want to look forward to retirement as a complete lifestyle change. We may spend more of our time babysitting the grandkids or volunteering for organizations we care deeply about. For some of us, this is a time to take up a completely different type of employment or start our own business. However, retirement planning for women is different from planning for men. Financial Obstacles for Women Saving for Retirement We still have financial obstacles to deal with when making our plans for this next phase in life. Although women have broken through many barriers…
  • Should you Delay Old Age Security Benefits to Age 67?

    Rhonda Sherwood
    14 Apr 2015 | 4:30 pm
    The federal election is still several months away, but Old Age Security (OAS) benefits are making news recently. The federal government had announced changes to the plan: Starting in 2023, the age for receiving this pension will increase from 65 to 67. Another change to the rules means that Canadians who opt to start receiving payments later will receive more money each month. Should you delay Old Age Security benefits to age 67 to get the higher payment later on? Let’s take a look at the options to help you decide which one makes the most sense. Old Age Security Basics As a Canadian you…
  • Tax-free Savings Accounts Make Putting Money Aside Easy for Canadians

    Rhonda Sherwood
    7 Apr 2015 | 4:30 pm
    Tax-Free Savings Accounts (TFSAs) are an easy way to save for your financial goals throughout your lifetime. It can be used to save for a down payment on your first home or to start a new business. Over time, your goals may change. Travel, retirement or other life events may become your priority. Regardless of why you’re saving, the flexibility and tax-free growth that TFSA’s make this type of savings plan ideal for just about anyone. The federal government has hinted that it plans to go ahead with its plan to double the annual contribution limit from $5,500.00 to $11,000.00 per year. We…
  • How a Power of Attorney Fits into your Financial Plan

    Rhonda Sherwood
    31 Mar 2015 | 2:20 pm
    One of the things that we would find hardest to give up is our independence, and that may be why the idea of signing a power of attorney is so difficult for many people. There are times when having a signed power of attorney in place can benefit you and your loved ones, though. You have done all the right things to prepare for retirement. Your financial plan is in good shape, and you meet with your financial advisor regularly to make sure that it stays that way. Everything is going according to plan and you anticipate being the captain of your financial ship as you transition from employee to…
  • Critical Illness Insurance Makes the Difference in Whether you Financially Survive a Serious Illness

    Rhonda Sherwood
    17 Mar 2015 | 4:29 pm
    You’ve been planning for retirement, and you’re thinking that 65 seems doable but 60 is even better.You’ve followed your financial advisor’s advice to be debt-free as soon as possible and then redirected those mortgage payments toward your retirement savings. With even moderate growth and with your pension income you will have the necessary cash flow to fund your basics and lifestyle costs when you are 60. You are only 48 years old now. Then you get some bad news: you’ve been diagnosed with a serious illness – and you don’t have critical illness insurance. Not only…
 
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    Recent Blog Posts

  • Can Creditors Pursue Me for Debts of My Deceased Spouse?

    9 Apr 2015 | 1:10 pm
    Because California is a “community property” state, in general both spouses are legally liable on the debts incurred by either spouse during a marriage. This means that, again in general, after the death of one spouse the surviving spouse is liable on the other person’s debts, that is, those debts for which only the deceased spouse signed the paperwork. This blog post explains how this works in practice, and what the exceptions are. WHAT DIFFERENCE DOES CALIFORNIA’S “COMMUNITY PROPERTY” STATUS MAKE? Most states follow “common law” property…
  • 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…
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    The Penny Hoarder

  • How to Store Your Data in the Cloud Without Going Broke

    Lisa Rowan
    27 Apr 2015 | 8:00 am
    Do you remember how much you paid for your first DVD player? How about an external CD burner? What about how much you paid for your first external hard drive to back up your computer files? Probably about $250 — or more. As technology advances, it often becomes cheaper. Storage space for computer files like music, photos and documents is no exception. Ten years ago, the average price for a gigabyte (GB) of storage was $1.24. Today, you’re probably paying about $0.03 per gigabyte. A one-terabyte (TB) hard drive — which has a thousand gigabytes of storage — will run you…
  • These Online Courses Make $1 Million a Year. Here’s How to Create Your Own

    Nick Loper
    27 Apr 2015 | 3:00 am
    Students and professionals are weighing the costs and benefits of traditional higher education against more practical — and affordable — online options. The online education industry is poised to surpass $100 billion in 2015, according to Forbes. But where will that $100 billion go? Who will cash in, and how can you get your piece? A large portion of it goes to the instructors: the people who create educational content around their expertise in subjects that interest them. In fact, I’ve earned more than $5,000 in the last few months from an online course I launched in November.
  • This Guy Makes $100 a Week Singing in Church, Even Though He’s Jewish

    Sarah Kuta
    26 Apr 2015 | 3:00 am
    Harris Sockel was wondering how to make extra money for rent when a friend passed along a surprisingly simple and intriguing money-making opportunity. An Episcopalian church in New York City was looking for new singers, and they paid cash for church performances. Though he’s Jewish, Sockel took a chance and auditioned — and it turns out there’s good money to be made singing in church choirs, no matter your religion. Sockel, 23, made $100 for singing each Sunday, and $200 on holidays like Easter and Christmas. He joked that he was receiving the “Direct Deposit of God.” Like him,…
  • How One Woman Sold Everything She Owned in a Month and Made $7,000

    C. Blythe Pack
    25 Apr 2015 | 3:00 am
    Last year, I fell out of love with New York City. After thirteen years of living in the concrete jungle and working in various aspects of nightlife and entertainment, I decided to leave. I wanted to travel to warmer climates, reconnect with nature and bask in sunshine. You don’t see the sun much when you’re working all night long. This seemed like the perfect opportunity to downsize, and I planned to take only one suitcase with me. This goal was pretty challenging and optimistic for someone who couldn’t even pack light for a long weekend getaway! Many years of living in the same city…
  • A Job Isn’t Enough: Why You Should Diversify How You Make Money

    Steve Gillman
    24 Apr 2015 | 11:00 am
    In 2014, my wife and I made money 25 different ways, and no one source made up more than 25% of our income. Of course, since I write about money, test various ways to earn it and quit jobs fairly quickly (when I occasionally have one), income diversification is normal for me. But what about you? Do you have more than one source of income? You probably agree there is no such thing as job security, but have you thought about what it means to lose a job when it’s your only income? There is no business security, either. My wife, Ana, and I have watched our $10,000-per-month website revenue…
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    LearnFinancialEducation.com

  • 6 Most Common Types of Internet Security Threats

    Gily Tenorio
    23 Apr 2015 | 3:17 pm
    If you are doing financial transactions over the Internet like online banking and stock trading, you should be aware of some internet security threats that can steal your personal information and may harm your computer. These threats are real and increasing each day so you should take necessary precautions about it. Based on the report of Federal Bureau of Investigation (FBI) Internet Crime Complaint Center (iC3), in year  2013 alone, the IC3 received 262,813 consumer complaints with an adjusted dollar loss of $ 781,841,611, which is a 48.8 percent increase in reported losses since 2012…
  • This Blog will be Turning 5 Years Old

    Gily Tenorio
    12 Apr 2015 | 1:25 am
    Yes you read it right, this blog will be celebrating 5th birthday this coming April 22, 2015. I thought I will never come this far from writing and blogging. Here’s my first ever article that I published in this site back  5 years ago: 10 Simple Tips to Control Your Expenses  to reminisce the past. You will notice it is a short post and straight to the point. You know when I’m still a student I’m not that good in writing and communicating in English. It’s my Waterloo and and I’m always afraid to talk to anybody in English language. Perhaps this blog is a way…
  • Happy Resurrection (Easter) Day!

    Gily Tenorio
    4 Apr 2015 | 6:11 pm
    Hi! I just want to greet you a Happy Resurrection (Easter) Day! It’s the day of the year we remembered the passion, death and resurrection of our Lord Jesus Christ! Here’s a good song by Jesus Culture for this special day!   I hope you enjoy this song! It is indeed a happy day! What to Read Next: Happy Chuseok! Happy Mother’s Day Happy New Year!
  • My Dividend Income for 2014

    Gily Tenorio
    3 Apr 2015 | 4:55 pm
    One of the best passive income today is through investing in stocks that pays high dividend. However, you need to have sizable amount of shares to realize your dividend. As an example, PLDT (TEL-stock symbol), pays good dividend to its shareholders. But its price is high around P2,840 as of this writing. Recently, TEL announce that they will give P87 dividend for every share. Right now, I only have 10 shares,  therefore, I can receive only P870 minus tax. PLDT pays dividend two times a year. So all in all, the dividend can be as high as P200 per year for every shares. Think about it, if for…
  • Faith is Turning 2!

    Gily Tenorio
    1 Apr 2015 | 8:16 am
    Maybe you have already know that this blog does not only tackle about financial matters. This site also serve as my personal blog. I also write topics related to my family, our travel, our faith, my work, business, investments and many more. There are many things happened during our stay here in Korea for the past almost 7 years. We’ve been in many places around Korea and many people and friends we have met. Some of those friends are not already here, they went back to Philippines, some are still abroad or returned to their home country.   Gideon and Faith, April 2013 I resigned…
 
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    Bankruptcy and Student Loan Lawyers - 866.787.8078

  • Are Student Loan Lawyers Worth The Money?

    Jay Fleischman
    20 Apr 2015 | 12:05 am
    When I tell people that I’m a student loan lawyer, I usually get a strange look. That’s followed by something like, “I didn’t think you could do anything about student loans.” It’s as if people are reading from a script, over and over again. Josh Cohen and I spend a lot of time training lawyers how to practice in the field of student loan law. But a lot more attorneys wonder whether there’s anything they can do to help people. There are lots of companies promising to help student loan borrowers. Why then, my lawyer friends wonder, would someone would…
  • What Happens When You Default On Federal Student Loans

    Jay Fleischman
    14 Apr 2015 | 5:49 am
    Falling behind on your federal student loans is like walking down a long, dark hallway. You have no idea where you’re headed, and there’s no way to know what’s in your way. Today’s episode of The Student Loan Show helps shine a light, banishing the darkness so you have a better understanding of what’s going on. In this 19 minute episode we talk about: The difference between delinquency and default What the government can do to make you pay once you go into default on your federal student loans How to avoid default Ways to get out of default and back into good…
  • The Modern Rules of Student Loan Repayment

    Jay Fleischman
    13 Apr 2015 | 12:30 am
    Years ago, student loans were easier to deal with. You graduated, got a job, and paid off your loans in 10 years – sooner, if you got a good enough job. But even for people with “normal” jobs, repaying a student loan was a short-term inconvenience that led to a better future. Nowadays it’s not so simple. College is more expensive than ever, and we’re forced to use student loans to cover the majority of it. By the time we graduate, we’re looking at tens of thousands of dollars in debt. This new reality requires a new way to attack the problem of student loan…
  • Do These 4 Things Before Taking Private Student Loans

    Jay Fleischman
    7 Apr 2015 | 4:00 am
    Paying for college has never been tougher. When it comes to figuring out how to come up with tuition, you may be tempted to take on a private student loan. It’s quick and easy, but it’s also a dangerous dance with the devil. With no federal programs to make repayment easier, private student loans can wreck you financially for years to come. In this episode of The Student Loan Show we talk about the 4 things you should be doing before taking out a private student loan. If you like the show, click here to subscribe in iTunes.
  • How to Negotiate a Credit Card Debt if You Are Being Sued

    Jay Fleischman
    6 Apr 2015 | 12:05 am
    When you go past due on a credit card, the worst threat a creditor can make is that they will sue you. If the creditor won’t work with you then there’s a good chance that lawsuit will show up at your doorstep one day. Now you’ve got a real problem: instead of just getting collection calls and letters, you’re at risk of a judgment against you. What do you do now? Is it too late to settle the credit card debt and make it go away? If you’re organized and proactive, you can still settle the debt and avoid the judgment. Here are our best tips for making it happen. Set…
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    John Rothe | Portfolio Manager, Quant, Tech Geek, And Sometime Superhero To My Kids

  • Chart Of The Day: Nasdaq’s 15 Year Journey

    John Rothe
    22 Apr 2015 | 6:13 am
      F or some perspective on a key US stock market index, today’s chart illustrates the overall trend of the Nasdaq Composite since 2000. As today’s chart illustrates, the post-financial crisis rally (which began in early 2009) has been significant enough to have the Nasdaq surge well past its credit bubble highs of late 2007. In addition, the latest leg of the post-financial crisis rally has the Nasdaq at levels not seen since the tail end of the dot-com bubble. In fact, as today’s chart illustrates, the Nasdaq continues to trade within its tightly confined yet steep…
  • Portfolio Impact: Sector Relative Strength vs S&P 500 Index

    John Rothe
    21 Apr 2015 | 7:13 am
    The US stock market has been stuck in a bit of a not-too-impressive trading range this year. As a result, investors may be curious to see where the strength has been in the market so far. A useful tool that investors can use to make sure they are exposed to the strongest sectors of the market, is to view sector relative strength. Comparing relative strength vs the S&P 500 Index, allows us to see which sectors are outperforming and avoid those which are not. For those not familiar with relative strength, Investopedia explains: Relative strength is a measure of the price trend of a…
  • US Stock Market – Still Stuck

    John Rothe
    17 Apr 2015 | 8:10 am
      T he S&P 500 index  is still stuck in a wedge pattern and investors don’t look to be too committed to the up or downside direction of the market. As a result the S&P 500 has basically made no progress in over four months. This, despite the stregthing in small cap stocks – which usually indicates that investors are feeling less risk adverse.   However, the rise in small caps may not be coming from new money, but from the rotation out of tech names:     What I find interesting is the Fed has indicated that any rate tightening will be pushed back. This…
  • Paul Tudor Jones: Why We Need To Rethink Capitalism

    John Rothe
    16 Apr 2015 | 12:14 pm
    Legendary hedge fund manager, Paul Tudor Jones, recent TEDTalks The post Paul Tudor Jones: Why We Need To Rethink Capitalism appeared first on John Rothe | Portfolio Manager, Quant, Tech Geek, And Sometime Superhero To My Kids.
  • Chart Of The Day: Home Price/Gold Ratio

    John Rothe
    15 Apr 2015 | 12:10 pm
    F or some perspective on the single-family home market, today’s chart presents the median single-family home price divided by the price of one ounce of gold. This results in the home gold ratio or the cost of the median single-family home in ounces of gold. For example, it currently takes a relatively low 168 ounces of gold to buy the median single-family home. This is dramatically less than the 601 ounces it took back in 2001. When priced in gold, the median single-family home is down 72% from its 2001 peak. Since making a new 32 year low back in early 2012, home prices (priced in that…
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    Thirty Six Months

  • Life on the Road

    Marissa Anwar
    19 Apr 2015 | 4:28 pm
    Homesickness is a thing. And it happens to the best of us at the most unexpected time. But, no one talks about it. Living your dream comes with a price. That’s the nature of life- we all know that. I’ve been on the road almost fours months, and while the majority of my time in Europe has been incredible, there are days where I miss the stability that comes with sleeping in my own bed, and spending time with people I care about. And no amount of phone calls help with that.  I just have to ride it out. One particularly bad bout saw me search for flights home that night.  The only…
  • 7 Awesome Reasons You Should Become A Digital Nomad

    Marissa Anwar
    31 Mar 2015 | 4:44 am
    I fell in love with travelling at really young age- my father’s job involved moving to a different country every few years, and he took his young family with him every time. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the attempt at broken local language can get me through any sticky situation. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the…
  • Freelancers: What to do with you tax refund?

    Marissa Anwar
    25 Mar 2015 | 5:05 am
    It’s tax season again! Are you excited? Well, you should be. If you’re anything like me, you’ve been playing with your tax software to see where you end up this year, and if there are any other deductions calling your name. TurboTax and I are best friends right now! You can check out the TurboTax’s free offerings online as well.  This is when the rubber meets the road, and you figure out what to invest in with your tax refund. Let me preface this by saying that your tax refund is NOT a saving plan, or investment strategy.  You shouldn’t “count” on…
  • 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,…
 
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    Thirty Six Months

  • Life on the Road

    Marissa Anwar
    19 Apr 2015 | 4:28 pm
    Homesickness is a thing. And it happens to the best of us at the most unexpected time. But, no one talks about it. Living your dream comes with a price. That’s the nature of life- we all know that. I’ve been on the road almost fours months, and while the majority of my time in Europe has been incredible, there are days where I miss the stability that comes with sleeping in my own bed, and spending time with people I care about. And no amount of phone calls help with that.  I just have to ride it out. One particularly bad bout saw me search for flights home that night.  The only…
  • 7 Awesome Reasons You Should Become A Digital Nomad

    Marissa Anwar
    31 Mar 2015 | 4:44 am
    I fell in love with travelling at really young age- my father’s job involved moving to a different country every few years, and he took his young family with him every time. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the attempt at broken local language can get me through any sticky situation. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the…
  • Freelancers: What to do with you tax refund?

    Marissa Anwar
    25 Mar 2015 | 5:05 am
    It’s tax season again! Are you excited? Well, you should be. If you’re anything like me, you’ve been playing with your tax software to see where you end up this year, and if there are any other deductions calling your name. TurboTax and I are best friends right now! You can check out the TurboTax’s free offerings online as well.  This is when the rubber meets the road, and you figure out what to invest in with your tax refund. Let me preface this by saying that your tax refund is NOT a saving plan, or investment strategy.  You shouldn’t “count” on…
  • 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,…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: April 18-24, 2015

    Chris Mettler
    24 Apr 2015 | 6:50 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 April 18-24, 2015. Capital One Partners with Uber Capital One and Uber Technologies, both looking to attract new customers, announced a new partnership that will give Capital One’s Quicksilver cardholders cheaper rides. Cardholders will receive a 20 percent…
  • The NEW Citi ThankYou Premier is Even Better  

    Chris Mettler
    23 Apr 2015 | 9:03 am
    Citi Bank recently unveiled a number of changes to one of their most popular rewards credit cards, the Citi ThankYou Premier Credit Card. These updates include a few great features that benefit cardholders, especially those looking for generous travel rewards. The card now comes with a lower annual fee, quicker access to the lucrative 50,000 point sign up bonus, and they even changed their bonus rewards categories. Let’s dive in to why you should make the Citi ThankYou Premier you’re next credit card. $30 Annual Fee Decrease There’s pretty much no way to go wrong with a decreased annual…
  • Credit Cards in the News: April 11-17, 2015

    Chris Mettler
    17 Apr 2015 | 7:51 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 April 11-17, 2015. Target and MasterCard Settle Lawsuits over Data Breach in 2013 Earlier this week Target and MasterCard agreed to settle lawsuits over the data breach affecting around 40 million credit and debit card accounts in 2013. Target has set aside…
  • Bankers Predict Higher Credit Card Balances in 2015

    Kari Luckett
    15 Apr 2015 | 10:20 am
    The quarterly survey results from banking experts predict higher levels of credit card debt in 2015, which could cause consumers to have more delinquent payments. The study was a joint effort by the Professional Risk Managers’ Association and FICO, the credit scoring company. Risk officers, who are the industry’s watchdogs at financial institutions, were asked to provide insightful answers about what consumers and credit card users should expect over the next year. Concern about the Wealth Gap Just like nearly everyone else – excluding the wealthy 1%— the bank’s risk managers…
  • Credit Cards in the News: April 4-10, 2015

    Chris Mettler
    10 Apr 2015 | 7:49 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 April 4-10, 2015. A Security Experiment Shows How Fast Credit Card Data can Travel on the Black Market An experiment conducted by the security firm, BitGlass, demonstrated how fast stolen credit card data can travel on the black market. The company dropped an…
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    Feeds : Dailyworth

  • Which Financial Documents Can You Throw Away?

    26 Apr 2015 | 9:00 pm
    If you haven’t already opted to go paperless, you might be swimming in a flood of receipts, bills, pay stubs, tax forms, and other financial documents. But it doesn’t have to be that way. Some of those papers need to be kept, but others can be shredded and tossed. Here’s a guide on what to keep and for how long. Receipts Receipts for anything you might itemize on your tax return should be kept for three years with your tax records. Home improvement records Hold these for at least three years after the due date of the tax return that includes the income or loss on the home…
  • Do You Know How Much You Spend? Start Tracking

    26 Apr 2015 | 9:00 pm
    Start Tracking Your Money A few years ago, my husband and I started running out of money before we ran out of weeks in the month. (Don’t you hate when that happens?) This was embarrassing because I make my living advising people about money. What's more embarrassing? It took me months to realize what was happening. I kept transferring money from our savings to our checking when it was on fumes, thinking it was some sort of temporary aberration. It wasn't, of course. Our income had dropped slightly and our expenses had crept up, but I hadn't registered the change or corrected…
  • How My Husband and I Paid Off $62,000 in 3 Years

    22 Apr 2015 | 9:00 pm
    Two weeks before my senior year of college, I realized that my student debt was out of control. As I packed my bags in preparation for another semester, I overturned a thick stack of paper statements from Sallie Mae, and they spilled across my bedroom floor. Until that point, I had taken out student loans with all the forethought of Scarlett O'Hara — I'll think about that tomorrow. Now, thumbing through the stack, my curiosity got the better of me and I grabbed my calculator. I added up the statements, and my stomach sank. I owed a cool $50,000, with two semesters to go. When…
  • How to Boost Your Credit Score

    20 Apr 2015 | 9:00 pm
    Get Back Up If your credit score is under 700 (the number considered prime), you’re not alone. More than 55 percent of Americans have subprime credit scores, according to the 2015 Assets & Opportunity Scorecard. But low scores don’t have to be permanent. In fact, credit scores are constantly in flux based on your ongoing financial behaviors. And by making the right moves, you can steadily turn your low credit score around. Follow these five steps to boost your credit score. Know Your Numbers “Many people know their credit is poor, but they don’t know…
  • Should You Close a Credit Card Account?

    20 Apr 2015 | 9:00 pm
    If you’re no longer using a particular credit card, there are financial benefits to keeping it open — as long as it’s free. But if it’s costing you unnecessary fees (or tempting you to spend), make sure to close it correctly or you could hurt your credit score. Before you cancel a credit card, ask yourself these questions: How long have you had the card? Your oldest credit accounts can be the most valuable to your credit score, because they show a long history of credit. It may not be a good idea to close your oldest credit card, especially if you have a positive…
 
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    Money Q&A

  • Car Insurance Shopping for Teen Drivers

    Steve
    23 Apr 2015 | 11:55 am
    If you have a new teen driver, you are probably a little bit worried for a myriad of reasons. You are concerned for your child’s safety first and foremost, but be honest. You are also worried about your car and your premium. Unfortunately, adding an inexperienced motorist will raise your bill, but there are plenty of steps you can take to lower that monthly payment. Get ready to contact your local Marietta car insurance agent and ask a few questions about the firm’s discounts and policies. 1. Good Report Cards Most companies offer discounts for good grades. Normally, students will receive…
  • Top Tips for Saving Time and Money at Walt Disney World

    Guest Contributer
    19 Apr 2015 | 12:51 pm
    The following is a guest post byEvelyn Ramsey. If you would like to write an article for Money Q&A, please visit our Guest Posting Guidelines page. Disney World is two times larger than Manhattan. If you’ve ever wanted to visit Orlando, now is the time. There are so many exciting things to see. Here’s how to save money, have fun, and visit the very best areas of the park. Top Tips for Saving Money at Walt Disney World… Get a Good Hotel Staying at a hotel on property gets expensive. Some hotels in the park can be had for $70 per night, but if you’re bringing a large…
  • Understanding Credit Card Debt Early In Your Life

    Hank Coleman
    19 Apr 2015 | 4:49 am
    Credit card debt is a grueling reality for many. As gradates from college or grad school, or any young adult, looking to start a career and/or potential family, the weight of credit card debt can literally and figuratively carry is certainly a burden. Student loans alone have increased over 8% in the last year. Many young adults are unaware of the dangers of credit cards, and how to appropriately use them to not accrue more debt on top of what may already be very present for them. The reality of debt among American households is only increasing; statistics show that in the last year there has…
  • Tips for Assuring the Safety of Your Credit Card

    Guest Contributer
    15 Apr 2015 | 5:57 am
    The following is a guest post by Brett Chatz who is a contributor to CFD trading company – Intertrader. If you would like to write an article for Money Q&A, please visit our Guest Posting Guidelines page. Protect Your Plastic from Criminals The widespread usage of credit cards has given way to a thriving underworld of criminal syndicates. Fraud is more prevalent today than ever before, and the technological sophistication employed by fraudsters is becoming increasingly more advanced. Protecting your credit cards is important, since they offer you all the convenience of a cashless…
  • How To Rebuild After A Divorce

    Hank Coleman
    13 Apr 2015 | 5:00 am
    Divorces can be financially devastating. Not only is the loss of a spouse’s income detrimental to your fiscal health, but you also lose moral support, often retirement benefits, and the safety net that comes from having a partner. A few critical steps will help you start getting your life back together and rebuild after divorce. Forgetting or delaying these tasks will cost you precious time and money, and add to your headaches. Rethink Your Retirement Planning Money is typically tight after a divorce: Both partners’ monthly budgets will almost always take a hit as one set of…
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    Forex Weekly Technical Indicators Statistic Record

  • Historical chart of the major currency pairs traded in Forex market

    Anonymous
    2 Apr 2015 | 4:13 am
    Let's take a look at the historical chart of the major currencies traded in Forex over the course of 37 years period since 1978 until presents. The chart is presented using candlestick chart in monthly time frame. By looking at the historical chart we can have a general idea of the long-term trend of the currencies traded. Candlestick chart below shows the market trend of major currencies (
  • EUR-CHF Technical Analysis 1 April 2015

    Anonymous
    1 Apr 2015 | 5:03 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: 1 April 2015Time: 7:33 PM (+8 GMT) EUR-CHF Technical Indicators 4 Hourly Daily Weekly Monthly Fibonacci Retracement 0% 0% 0% 0
  • GBP-USD Technical Analysis 1 April 2015

    Anonymous
    31 Mar 2015 | 9:23 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: 4 April 2015 Time: 12:07 AM (+8 GMT) GBP-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD Up Down Down Down Full Stochastic Up
  • What are the most used technical indicators in forex trading?

    Anonymous
    31 Mar 2015 | 8:53 am
    Through the entire experience of trading in the currency market - i have learned quite a substantial amount of knowledge of what the other traders used as a guide to open buy or sell position in forex. Thanks to forums, investopedia, blogs, etc that have provided all the knowledge through users experience. Why it is important to know what kind of indicators people used the most is simply
  • EUR-USD Technical Analysis 30 March 2015

    Anonymous
    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
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    Creative Money

  • What is your vision of wealth?

    Mindy Crary
    21 Apr 2015 | 11:20 am
    I used to have a weekly Friday lunch with one of my colleagues.  We both had started our careers at about the same time, so it was fun to compare notes, talk about our progress and discuss our hopes for the future.  One week, he admitted that he had been fighting a lot with his wife—that she was angry about a number of scheduling things and he felt like they never agreed on anything. “Well, how often does she get to hear all of the things you tell me?” I asked.  “About your plans and what you’re trying to accomplish with all of this?” I knew he loved his wife and wanted the…
  • Why “be nice” is bad advice when it comes to your money

    Mindy Crary
    14 Apr 2015 | 11:30 am
      After my workout each morning, I drive by the local high school on my way home.  The school has an electronic reader board that says, “Smile!”  And then it says, “Be NICE.” This drives me nuts on so many levels…but when it comes to money, “be nice” is awful advice. The Mantle of “Be Nice” I am sure at the high school that “be nice” is meant to discourage bullying and being mean in other ways.  But in those cases, we’re probably not teaching kids to get along by telling them to “be nice.” We’re telling them to be accommodating, to fake positivity…
  • When budgeting isn’t working for you…

    Mindy Crary
    7 Apr 2015 | 9:54 am
    Dear Mindy, Every month, it feels like paycheck in, paycheck out.  I’m covering my bills, but I am also buying additional stuff that I don’t urgently need. The result is that every month I am coming to the limits of my credit card and bank account again– although it SHOULD be possible to save money. But for some reasons I always spend all the money I have. What should I do? This is the most common email I get.  And my answer is:  stop using the credit card.  Pay for everything via debt card.  Why? Credit cards give you a margin of error and a timing buffer, so that you…
  • 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…
 
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    Three Thrifty Guys

  • Nest Thermostat Review – Can It Really Save You Money?

    Charlie
    24 Apr 2015 | 4:35 am
    In 2011, I first heard of this neat gadget that would help my family save money on our heat and cooling bills. It promised to save my family about 30% on our monthly energy usage through auto-scheduling, auto-away and through learning your family’s tendencies. As soon as I saw the 30% savings, I immediately started running the numbers! :) My current electric and gas bills are $135 and $64 per month respectively (both on an even payment plan), which provides all of my heat and cooling needs for my home. That is $199/month total, and a savings of $39.80/month. Not chump change if you ask…
  • Don’t Beat Yourself

    Aaron
    20 Apr 2015 | 5:11 am
    If you’re a golf fan like me, you may have watched 21-year old Jordan Spieth win the prestigious Masters Golf Tournament last weekend. He became the second youngest winner of the event (behind Tiger Woods) and set many records in the process. His win was a testament to what drive and passion can do to propel oneself to achieve a goal. In golf, you don’t necessarily need the best swing, longest drive or (even) the most expensive golf clubs to play the best. Often what goes on inside the golfer’s head is the difference between excellent golf or “icky” golf.
  • The Bank Can’t Foreclose On You If You Don’t Have Debt

    Charlie
    15 Apr 2015 | 2:00 am
    This article became a real life realization to me in 2008 when my Dad announced to our family that the bank was foreclosing on his 10,000 head pig operation and 500 acre farming operation. Like I’ve blogged before, this event had rippling affects on our family. In March, of that year, we all thought it would pass and Dad & Mom would emerge out the other side. However, the Lord wouldn’t have it that way. Nope…not that simple. Feelings Initially, as he went through this, I had a lot of anger feelings towards the bank and landlords. The feeling of how my dad had worked so…
  • The Power of Home Equity

    Aaron
    13 Apr 2015 | 5:27 am
    This post is written and sponsored by U.S. Bank  Seems you’ve got a bit of a dilemma on your hands. That big project you’ve had in your head for what feels like forever is now actually coming together on paper and just waiting to be started. You have the time to do it and – best of all? – you want to do it. There’s just one problem. You need funds, because without them, your dream project stays on hold. But fear not! If you’re a homeowner, and have equity in your home, you may have some options. One possible funding opportunity could be a second mortgage through access…
  • Where to Get Free Conference Calling

    Aaron
    8 Apr 2015 | 5:12 am
    A few weeks ago, I needed to set up a conference call with a couple other folks. I was aware of GoToMeeting and other conference calling services – but wanted something that was free and easy to use. Also, since people would be calling in via their telephones (and not through video / or their computers), I just needed a centralized number / code we all could enter to connect. I did an initial search online and came across a website called FreeConferenceCall.com. Now, I am generally pretty skeptical about services that have “free” in their title – but I asked around a…
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    Nerd's Eye View | Kitces.com

  • NASAA Adopts New Model Rule 203(a)-1A Requiring RIA Business Continuity And Succession Planning

    Michael Kitces
    27 Apr 2015 | 4:01 am
    After completing the public comment period, NASAA has just implemented a new “Model Rule” that will require investment advisers to adopt a “Business Continuity and Succession Plan” for the RIA practice. Notably, the rule would apply only for state-registered investment advisers, although the SEC has recently announced it is considering a parallel rule for SEC-based RIA firms as well. The ultimate requirement of the Model Rule is that advisors would be required to establish a written plan about how they will handle the transition of everything from books and records of the firm, to…
  • Weekend Reading for Financial Planners (Apr 25-26)

    Michael Kitces
    24 Apr 2015 | 11:31 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the announcement that NASAA has finalized its model rule that, as states adopt the rule, will require state-registered investment advisers to create a written "succession" plan for their business. From there, we have a number of practice management articles this week, including: strategies to effectively delegate tasks to staff; why it's best to build out the staff infrastructure supporting your advisory firm by building roles around people, rather than trying to fit people into…
  • Asset Location For Stocks In A Brokerage Account Versus IRA Depends On Time Horizon

    Michael Kitces
    22 Apr 2015 | 4:01 am
    In an environment where generating portfolio alpha is difficult, strategies like managing assets on a household basis to take advantage of asset location opportunities to generate “tax alpha” are becoming more and more popular. The caveat, however, is that making effective asset location decisions is not easy, either. For instance, while the traditional “rule of thumb” for asset location is that tax-inefficient bonds go into an IRA, while equities eligible for preferential tax rates go into a brokerage account, the reality is that for investors with long time horizons the optimal…
  • What’s An Hour Of Your Time Really Worth As A Financial Planner?

    Michael Kitces
    20 Apr 2015 | 4:01 am
    For any service professional, time is the ultimate constraint. There’s just only so many hours you can work and deliver your services, before you run out of time. For those who own their service business – like many financial planning professionals – that capacity is even further limited by the time it takes to run and manage the business as well, not to mention finding the clients who will pay for your time. As a result, maximizing your economic value as a professional is all about maximizing the value of your time. In the early years of a practice, there’s more time available than…
  • Weekend Reading for Financial Planners (Apr 18-19)

    Michael Kitces
    17 Apr 2015 | 12:03 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the big news that the Department of Labor has released the latest update to its proposed fiduciary rule, which would expand the scope of ERISA fiduciary rules to IRA rollovers and require advisors (including brokers acting as such) to act in the best interests of their clients, but does not necessarily limit the nature of the compensation those advisors can receive and permits commissions to continue as long as they are paid pursuant to implementing best-interest advice. Perhaps…
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    Epic Finances - Investment Blog

  • Basics On Corporate Bonds and High Yield Bonds

    Carmello
    27 Apr 2015 | 3:00 am
    In today’s blog would like to briefly look at Corporate Bonds and High Yield Bonds, what they are and the basics of investing with them. For anyone interested in investing in corporate bonds, this should be some good information to get you started. Enjoy.   What are Corporate Bonds exactly? Corporate bonds, which are also known as simply corporates, are in effect a debt obligation that is issued by either a private or public corporation. You can think of them like an IOU issued by a company. In most cases corporate bonds are issued in either multiples of $1000 or $5000, and the…
  • What are the Benefits of Investing in Bonds?

    Carmello
    20 Apr 2015 | 3:00 am
    Today in the United States investors have a variety of choices in the bond market, including US government bonds, asset-backed securities bonds, high-grade corporate bonds, municipal bonds and also high-yield bonds. But what are the benefits of investing in bonds? In today’s blog we’ll take a look at exactly that. Enjoy. First, an investor can enhance their current income with high-yield bonds. This is especially true when interest rates are on the decline. Astute investors will focus on the difference between the yields on, for example, high-yield bonds as well as the yields on US…
  • Ways you can Save Money in College

    Carmello
    14 Apr 2015 | 1:33 pm
    Just as every other college is different, every student is different. The only common experience for most students is the constant shortage of finances during their college years. Care packages from home are less frequent and it seems like every other time you confirm your account the balance gets smaller at a very high rate. To avoid insufficient money to spend when in college, you should learn how to budget and save the little you have to stay away from hefty debts. Finances become an issue, especially if you do not have any experience in budgeting and saving. Keep in mind that money does…
  • Invest and Saving For Your Future

    Carmello
    13 Apr 2015 | 9:58 am
    We all work hard to achieve what seems like an impossible dream, a comfortable retirement. Retirement is a goal I have been thinking about since I entered the workforce. The common retirement age we often hear about is 65 years old. While there is certainly nothing wrong working until this age, I would prefer to retire much earlier. Regardless of what age you plan on retiring, the most important aspect it planning for it. Without having a clear and concise plan laid out it will remain an impossible dream. Taking advantage of any and all retirement accounts is the number goal anyone should…
  • Bond Basics: How Bonds Work

    Carmello
    13 Apr 2015 | 3:00 am
    Whenever you drive down one of America’s highways, or see a factory expanding in the city where you live, you’re seeing bonds in action. The fact is, bonds are used by both the federal government as well as local and state governments, and private enterprise, to generate the funds they need for expansion, development and long-term infrastructure projects. What most people don’t realize is that the bond market in the United States is even bigger than the stock market, and that it plays a huge role in the global economy as well as in the lives of practically every American. For…
 
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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

  • 10 ways to Get Fit Without Going to the Gym

    Clarisse
    12 Apr 2015 | 11:05 pm
    Good morning everyone! This is a guest post from my V.A. Clarisse. Let me know if you want to guest post on Savvy Scot.  I love working out but I stopped going to the gym since last December. Honestly, I’m not really comfortable going to the gym because I prefer to simply stay here at home with my daughter and also I’m saving every penny that I can. Recently, I noticed that I gained weight because I’m not physically active anymore, so I decided to find ways to get fit without going to the gym. Watch a Youtube exercise video This is one of my favorites on the list! I’m a big fan of…
  • 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…
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    I Need Money

  • How to Cut the Cost of your Travel Insurance

    admin
    4 Apr 2015 | 1:14 pm
    With the March Equinox now upon us, thoughts are turning to summer holidays and exotic escapes to far-away locations. Now is also the best time to book your summer travel plans while also saving money, unless you are banking on last minute deals (which are notoriously unreliable) or were organised enough to schedule your trip well in advance. While summer holidays are essentially fun adventures, however, there are many serious considerations when booking them. One of these is travel insurance, which provides considerable protection in the event of injury, illness or the loss of material…
  • Little but Often: How to Save Money on Everyday Purchases

    admin
    1 Apr 2015 | 1:13 pm
    In the quest to save money, we often make questionable decisions that fail to deliver the desired results. More specifically, we focus on reducing spending on ad-hoc, big ticket items, in the mistaken belief that this will lead to long-term savings. What this actually does it make unsustainable short-term savings, without doing anything to change your everyday spending habits or cultivate a more frugal lifestyle for the future. This can also impact negatively on your quality of life, as it prevents you from taking much needed holidays or investing a car. How to Save Money on Everyday…
  • 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…
 
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    Zoho Blogs

  • Introducing Zoho Business Apps for Apple Watch

    Raju Vegesna
    24 Apr 2015 | 1:00 pm
    Apple Watch. Enough has been said already.  With the Apple Watch coming out later this week, we are excited to launch three new apps. Apps that complement your phone apps just like your phone apps complement your web apps. More importantly, ​apps that workharmoniously with their phone and web counterparts, enabling unique use cases for each form factor. These are our three apps for Apple Watch: Zoho Expense Doing expenses is a pain. If there are tools available to ease the pain, we embrace them. The Zoho Expense app for Apple Watch is one such tool.  Mileage tracking and entry is an…
  • Marketing Lead Analytics with Advanced CRM Analytics

    S B Saravana Bharathi
    24 Apr 2015 | 11:01 am
    In the previous posts, we discussed the essential reports in stage history analysis and sales team analytics. As next in this series on “CRM Analytics”, let’s discuss Marketing Leads Analytics in detail. Lead generation and conversion, form the crux of any lead management practice. The marketing team brings in the leads and the sales team converts the Marketing Qualified Leads (MQL) into sales prospects. The focus in lead generation has now shifted from quantity to quality. Integrating lead management process with data analytics can bring in quality leads for your company.
  • 9 Quick and Easy Tips Every Zoho Docs User Should Know: Part 4

    Anish Aravindakshan
    24 Apr 2015 | 1:19 am
    We love beautifully crafted presentations. We all talk about the presentation that left us in awe, but what’s less discussed is the effort that goes into creating one. Remember the moment when you just couldn’t find the right tool to edit an object? Or realized that a feature you assumed never existed, actually exists, tucked away in one corner of the presentation software? If only we had sufficient tips and tricks up our sleeves!! This week, we give you some really handy tips to create and deliver smart presentations using Zoho Show, our online presentation software. 1. Edit…
  • To Share, Or Not to Share – In Honor of Shakespeare’s Birthday

    Emily Sloan-Pace
    23 Apr 2015 | 8:55 am
    During our last event in the UK, the Zoho team had a chance to visit Shakespeare’s Birthplace, where they chanced upon a previously undiscovered sonnet. We share it with you today in honor of Shakespeare’s birthday. To Share, Or Not to Share – That’s the Question While creeping through the ether, in search both far and wide, I’ve often found things lacking when I’ve tried to write online. No mere oath can decry the doc tools that are slacking. Authorship with ease, comments not a chore. A place to share, to edit, and to grow, With a great UI that…
  • Why You Should Recruit Like the Judges on “The Voice”

    Austin Ries
    23 Apr 2015 | 8:30 am
    For over 13 years, the reality singing competition has captivated, dare I say hypnotized, American television audiences. It started in 2002 with American Idoland—as far as TV networks are concerned—won’t stop until they’ve forced every last person with any ounce of talent into our car stereos and Spotifyplaylists So when NBC introduced The Voice in 2011 I was…skeptical to say the least. Why did we need another prime time karaoke competition? But The Voice was different. Not only did the celebrity judges “draft” singers to their respective teams instead of…
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    Money Estate - Personal Finance Tips Blog

  • Asset Management Strategies

    Money Advisor
    23 Apr 2015 | 5:42 am
    Asset management is the maintenance of the desired level of service for your assets at the lowest life-cycle cost, which is the most appropriate cost for the repair, rehabilitation or replacement of an asset. As a business owner, your assets are essentially the building blocks of your business, and it is thus vital to manage […]
  • How to Invest Successfully: 3 Ways

    Money Advisor
    22 Apr 2015 | 9:21 pm
    Investing is a complex and complicated game to play. There are a multitude of different markets available to trade, and yet each of them shares this single, indisputable truth. It is not a pursuit for the faint hearted or the timid, the inexperienced or the unambitious. For those with a little bit of nous, a […]
  • What You Need to Know about Insuring a Home-Based Business

    Money Advisor
    21 Apr 2015 | 9:54 pm
    In the face of increasingly expensive office spaces in the city, more and more entrepreneurs are turning to the home. Not only is this a much cheaper alternative, but thanks to modern technology it’s now possible for many types of small businesses to make it work. Instant messaging, video calls, and the ability to share […]
  • Why We Love Hiring Virtual Assistants for Personal Financial Planning (And You Should, Too!)

    Money Advisor
    31 Mar 2015 | 5:03 pm
    Hiring a Virtual Assistant is very liberating, especially when you are embark in a journey for a better personal financial planning. They don’t cost near as much as a typical financial planner or bookkeeper, and once trained, require far less management. Use a reputable VA service like 24/7 Virtual Assistant to hire a qualified personal […]
  • 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 […]
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    Cult Of Money

  • How to Save Money When Redecorating Your Home

    Robert Farrington
    24 Apr 2015 | 10:01 am
    Redecorating is a fun yet, stressful project. It’s fun because you get to make your house the way you like it and it’s immensely stressful because it can be extremely expensive if you’re not careful. If you’re wanting to give your home a little makeover but are strapped for cash here are some ways to save money when redecorating. Start With What You Have Sometimes the biggest impact comes from doing the smallest things. For instance, do you have couch in the basement that you could swap out with one in the living room? Can you move wall art around the house? Little changes like…
  • 3 Ways to Calculate Your Retirement Number

    Alexa Mason
    22 Apr 2015 | 1:15 am
    I was listening to one of my favorite podcasts over the weekend and heard some shocking numbers. Did you know that 76% of Americans are living paycheck to paycheck? How about the fact that less than half of Americans have more than $25,000 in savings and investments? And only 1 in 10 Americans even know how much they’ll need for retirement! Let’s not become a statistic. We’ll start with resolving the easiest of these three problems: calculating what you need for retirement. Here are three ways to calculate your retirement number. Multiply Your Final Salary By 12 This is by far the…
  • Why Following Your Passion is Bad Advice

    Alexa Mason
    15 Apr 2015 | 1:15 am
    Should you follow your passion or go for the money? It’s a hot topic that is often over glamourized by all the people who will tell you that you MUST follow your passion. Life’s not that easy. Here’s why it doesn’t always make sense to “follow your passion.” Not Everyone Has a Passion If you feel bad every time you read or hear that you must follow your passion, don’t. Not everyone has something that they are die hard passionate about and that’s okay. I’m passionate about my family – about being a good mother to my two daughters. Keeping family close is my biggest goal…
  • How to File Your Taxes in Five Easy Steps

    Karl
    9 Apr 2015 | 1:15 am
    This post is part of the TaxACT #BeatTheDeadline blog tour which shares tips on how to make tax time a smooth and easy process before the April 15 deadline. TaxACT provides the tools and guidance to help you confidently file taxes easy and fast. Do your own taxes today at TaxACT. You got this. The tax deadline is quickly approaching. If you haven’t filed your taxes yet, what’s the reason? Are you putting it off because you owe money or do you not know where to start? If your answer is the latter of the two here’s how you can file your taxes in five easy steps. (The process is…
  • The Value of Hard Work When Building Income

    Alexa Mason
    8 Apr 2015 | 1:15 am
    How many times have you heard or seen one of these things – “Make hundreds of dollars by working one hour a day. Build residual income in your spare time. The secret to getting rich with penny stocks.” If you spend any amount of time online then probably a lot. The promise of easy money and passive income that requires no upfront time or capital at all is plastered everywhere. And I’ll admit, it’s easy to want to click over and see how you can become an instant success too. Only life doesn’t work like that. The truth is, you can build “passive” income and you can earn a good…
 
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    PFhub - Business, Financial & Economic News

  • HIV and Computer Malware Eerily Similar

    Steven Johnson
    8 Apr 2015 | 9:02 am
    HIV progression in your body is the same way computer worms and malwares infect your computer, says a group of researchers. A new report from the scientists shows that they have established a new model highlighting HIV progression and depicted the disease spreading like a virus would seep into a computer. HIV spreads throughout the […]The post HIV and Computer Malware Eerily Similar appeared first on PFhub - Business, Financial & Economic News.
  • Smart Stove Knob ‘Meld’ Replaces Sous Chef

    Andrew Moran
    8 Apr 2015 | 8:49 am
    Do you get frustrated when you cook a chicken and it turns out to be undercooked? What about when you cook pasta and the sauce is burnt and damages the bottom of your pot? Well, there’s a smart knob, and app, for that to remedy those dire culinary issues. Meld, which was co-founded by former […]The post Smart Stove Knob ‘Meld’ Replaces Sous Chef appeared first on PFhub - Business, Financial & Economic News.
  • Where’s the Beef? McDonald’s Bigger Badder Burgers

    Andrew Moran
    8 Apr 2015 | 8:43 am
    McDonald’s is continuing its initiative to revamp its image and cater to a wider audience. One of the ways it is doing so is by introducing larger sirloin burgers to its menu and respond to the age-old question that consumers have of, “Hey, where’s the beef?” Fast-food juggernaut McDonald’s is launching a brand of premium […]The post Where’s the Beef? McDonald’s Bigger Badder Burgers appeared first on 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.
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    Squawkfox

  • House hunting? Here’s what a million bucks buys you

    Kerry
    27 Apr 2015 | 8:13 am
    Having trouble viewing this? CLICK HERE House hunting? Here's what a million bucks buys you Debt I crashed a few open houses. The results are a little horrifying. My first column for The Globe and Mail. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2015 Squawkfox.com. All rights reserved.
  • What the markets did in 2014

    Kerry
    16 Dec 2014 | 6:53 pm
    Having trouble viewing this? CLICK HERE What the markets did in 2014 Investing It was a tumultuous year. Basically... Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2015 Squawkfox.com. All rights reserved.
  • Super Savers: Talkin’ on TV about the cost of raising kids

    Kerry
    11 Dec 2014 | 11:57 am
    Having trouble viewing this? CLICK HERE Super Savers: Talkin' on TV about the cost of raising kids Babies & Kids A round-up of my top TV clips and posts helpful to young families looking for financial relief. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2015 Squawkfox.com. All rights reserved.
  • The Comedy Network: Camping out with The Late O’Clock News to save money

    Kerry
    8 Dec 2014 | 10:41 am
    Having trouble viewing this? CLICK HERE The Comedy Network: Camping out with The Late O'Clock News to save money Holidays It's not everyday a financial writer is invited to do comedy on The Comedy Network. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2015 Squawkfox.com. All rights reserved.
  • Impulse buying is the Achilles of saving money

    Kerry
    4 Dec 2014 | 7:10 pm
    Having trouble viewing this? CLICK HERE Impulse buying is the Achilles of saving money Saving, Shopping Watch out for impulse purchases or you may end up with skeletons in your closet. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2015 Squawkfox.com. All rights reserved.
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    Wealthy Turtle

  • Wealthy Turtle Is Growing

    Mike Collins
    22 Apr 2015 | 6:15 am
    When you first start blogging it can be really hard to stay motivated.  No one even knows you exist and you feel like you’re just writing for yourself.Little by little you meet other bloggers and your site actually starts getting visitors that don’t have the same last name as you. Some of them even subscribe to your blog because they enjoy your writing and don’t want to miss out on anything.You keep plugging along and making progress one step at a time and thank heavens you enjoy this blogging thing because you sure aren’t making much money at it.  Sometimes you…
  • Save Money With Generic Drugs

    Mike Collins
    20 Apr 2015 | 6:51 am
    Whether you’re talking about antibiotics for a bad ear infection, blood pressure medication, or birth control pills, prescription drugs can really do a number on your budget.Elderly folks are hit particularly hard by the high the cost of prescription medications as they are more likely to be on multiple medications at the same time.  I remember before my mom passed away she had to take about eight different pills every day.In 2014, Americans spent about $374 billion on medication and that number will only continue to rise as Baby Boomers age and the number of senior citizens…
  • Isaac Newton’s Guide to Personal Finance

    Mike Collins
    15 Apr 2015 | 3:32 am
    17th century physicist or 1980s hair band fan?Lately I’ve found myself watching less and less television.  Sure there are some shows that I enjoy and I like to catch a Mets game now and then, but there are just so many better things to do with my nights.  I have big goals, and if I’m going to achieve them I need to spend my free time working towards them instead of watching American Idol or old Golden Girls re-runs.When I do watch TV it is usually something educational.  The Science Channel in particular has lots of documentaries that fascinate me (it’s ok, you can call me a…
  • Turn Off The Lights!

    Mike Collins
    6 Apr 2015 | 5:47 am
    Most people would say that saving money isn’t as simple as flipping a switch. But in today’s edition of Money Saving Mondays we’re going to prove that you really can save money by flipping a switch!Do you ever open up your electric bill and feel a sudden loss of consciousness when you see the amount due?  I know I have and if you’re like me you don’t like paying any more than you have to.  There are lots of ways to lower your electric bill, but the easiest one is to simply turn off lights when you leave a room.My kids are notorious for leaving lights on…
  • The Room – A Book Review

    Mike Collins
    5 Apr 2015 | 11:26 am
    I love to read and Blogging for Books has become one of my favorite websites.  If you have a blog of any size you can request a free review copy (print or ebook) of many popular books to enjoy as long as you’re willing to write up an honest review.I generally review personal finance or business books here at Wealthy Turtle, but today I’m writing about a short novel called The Room.Written by Jonas Karlsson, The Room is a quirky story about an odd Swedish office worker named Bjorn who has difficulty relating to his coworkers, delusions of grandeur, and some mental instability…
 
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    Bank On Yourself

  • 5 Financial Myths that Are Destroying Your Wealth

    Pamela Yellen
    16 Apr 2015 | 11:20 am
    The problem isn’t so much what people don’t know, the problem is what people think they know that just ain’t so.” — Will Rogers Remember when you were absolutely certain about something that turned out to be false? Like Santa Claus or the Tooth Fairy. Or how about the witch that hides under your bed waiting to attack so you have to flip the light switch then spring into your bed before she gets you? (Okay, maybe that one’s just me.) In honor of National Financial Literacy Month, let me just debunk a few “things you know that just ain’t so”: 1. You’ll…
  • Why a Little Financial Information is Dangerous

    Pamela Yellen
    14 Apr 2015 | 12:34 pm
    Just cuz you’re following a well-marked trail doesn’t mean that whoever made it knew where they were goin’.” — Texas Bix Bender I respect people who are self-educated, and I respect people who continue to educate themselves about various topics, even after they’ve finished their degrees. As legendary basketball coach John Wooden used to say, “It’s what you learn after you know it all that really matters.” That said, a little financial self-education can go a long way – toward completely destroying your financial future! Why? Because when you…
  • The Checklist: What You Need to Know Before You Commit to a Financial Product or Plan

    Pamela Yellen
    9 Apr 2015 | 8:31 am
    People are quick to dispense advice on any subject, regardless of their qualifications. Most people don’t even distinguish between ‘opinion’ and ‘knowledge’. That’s why you must.” — Dan Kennedy Your Uncle Vinnie corners you at the Sunday barbeque: “You got to get on board! It’s like buying into Microsoft in the ’80’s.” Your dentist tells you to open wide and “You gotta check out this once in a lifetime opportunity. It’s the mother lode!” Your golf buddy swears she’s found the “ultimate tax…
  • It’s National Financial Literacy Month – Do You Know Your Financial IQ?

    Pamela Yellen
    2 Apr 2015 | 11:02 am
    April is National Financial Literacy Month, and here at Bank On Yourself, we’re doing our part to give Americans the knowledge and skills they need to make smarter financial decisions. As President Obama noted in a 2011 Proclamation supporting National Financial Literacy Month, “We must strive to ensure all Americans have the skills to manage their fiscal resources effectively and avoid deceptive or predatory practices.” And the Senate resolved in 2012 that “increased financial literacy empowers individuals to make wise financial decisions and reduces the confusion…
  • 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:…
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    Smarty Cents

  • Season’s Savings: Your Guide to Spring’s Best Seasonal Produce

    raincities
    27 Apr 2015 | 2:00 am
    Your springtime guide to shopping seasonal produce, plus our favorite recipes for spring.
  • 3 Major Millennial Misconceptions About Retirement

    alissaharb
    24 Apr 2015 | 2:00 am
    We all have questions about what a “good” retirement looks like, what it means to be prepared, and exactly what we need to do to get there. But according to wealth manager Sacha Millstone, many of these questions may be generation-specific. The millennial generation in particular has a unique set of misconceptions about retirement. Millstone shares them here—and debunks them one at a time.
  • The Art of the Side Hustle: 5 Ways to Earn Extra Money

    alissaharb
    23 Apr 2015 | 2:19 am
    Deia B is a personal finance and travel blogger at NomadWallet.com.  Do you have a vacation or a home renovation project planned? Pricey stuff. Consider doing some work on the side so you can reach your goal more quickly or even afford upgrades. Side hustles may not earn you much money right away, but that income can help support your expensive hobbies—like travel or home DIY–and you may earn more money over time. Besides, there are plenty of business owners out there who started now-successful ventures as side hustles. Writing and Transcription If you like writing, you can do it on a…
  • 10 Ways Green Living Can Help You Save Money

    raincities
    22 Apr 2015 | 1:00 am
       
  • Want to Work at Google? Here’s How.

    alissaharb
    21 Apr 2015 | 1:38 pm
    So you want to work at Google? We don’t blame you. But you’ll have to get in line. Here, Steven Levy—author of In the Plex, a guide to all things Google—shares insight into their competitive hiring practices.
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    Stock Market Loss

  • Merrill Lynch Axes $1.3 Billion Broker Thomas Buck for Alleged Abuses

    Jay Salamon
    3 Apr 2015 | 10:41 am
    This article was originally posted on Stock Market Loss An Investment News article reports today that Thomas J. Buck, who was Merrill Lynch’s top financial adviser in Indiana by assets under management – reportedly $1.3 billion — was suddenly and unexpectedly terminated for alleged compliance violations. The article states in part: Ultimately, Merrill Lynch officials pointed to a number of problems they said had resulted in “management’s loss of confidence” in Mr. Buck, according to his U5 filing, which Merrill Lynch submitted to Finra on Thursday. Mr. Buck was ultimately…
  • Stockbrokers Contend They Do Not Owe Fiduciary Duties to Investors

    Stock Market Loss
    31 Mar 2015 | 2:11 pm
    This article was originally posted on Stock Market Loss As securities lawyers, we always argue on behalf of our arbitration clients (usually successfully) that stockbrokers are fiduciaries who owe the highest duty of care and fidelity to customers. The relationship an investor has with his or her stockbroker is considered by most to be one of absolute trust. An investor entrusts a significant amount of hard earned money to the stockbroker and naturally assumes that the broker will invest that money with the best of intentions. Unfortunately, broker misconduct occurs every day in this country.
  • Loss Deduction Sometimes Available on Income Taxes for Victims of Investment Fraud

    Stock Market Loss
    17 Feb 2015 | 8:34 am
    This article was originally posted on Stock Market Loss We’re not tax attorneys and consequently we never give tax advice. But as the federal income tax deadline looms, we can tell you that victims of investment fraud may be able to deduct their losses from their yearly federal income tax bills. Overall the procedure for taking this type of deduction is both complex and time-consuming, but if you have been the victim of investment fraud or a ponzi scheme, be sure to discuss the matter with your tax preparer. Theft Loss Deduction The Internal Revenue Service allows tax deductions for…
  • 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

  • The true cost of a speeding ticket

    Kristina
    27 Apr 2015 | 2:00 am
    Good morning Dinks.  Have you ever had an expense that ended up costing a lot more than just the price on the ticket? Pun intended.  Well I have and although I just spent over $300 for a speeding ticket that should have only cost $140 I am not that mad about it. Of course I was not happy to see $308 leave my bank account, but at the same time I was relieved to have the situation over and done with, is that crazy? Here’s what happened: Last July my friends and I took a road trip to New York City.  Half way there we were stopped by a State Trooper because we were speeding.  When he…
  • Weekly Roundup: Sleep, Rich People and Student Loans

    Kristina
    24 Apr 2015 | 2:00 am
    Happy Friday Dinks.  Do you have big plans for the weekend?  Last weekend I took two three hour naps so this weekend I’m hoping to have a little more awake time.  I didn’t think I had a stressful week and I didn’t think I was tired, but come Saturday AND Sunday around 4 pm my body had enough.  I slept from 4 pm to 7 pm each day.  I guess the body wants what the body wants.  Hopefully I’ll be a little more productive this weekend. Enjoy these good reads from around the web.  Have a great weekend. Budgets are Sexy – Entrepreneur Tips From a 9 Year Old Life…
  • Financial advice for a happy marriage: When to speak up

    Kristina
    23 Apr 2015 | 2:00 am
    Good morning Dinks.  Let me ask you a question, is money ruining your marriage?  Or yet here’s a better question, does money make your marriage stronger?  I think it could go either way.  I keep hearing that most marriages end because of money conflict and I absolutely understand that.  Nick and I used to argue about money all the time when we first started dating, but that’s because we had no money and we were only teenagers. It’s completely normal to have different views on money That’s the thing about being broke, it’s already stressful and the thought of…
  • How to Travel for Free

    Kristina
    22 Apr 2015 | 2:00 am
    Or at least close to it.  I keep reading about personal finance bloggers and small business owners who get to travel all the time and I think “Wow they must be making a lot of money”.  As you know I love travelling and try to do it as often as my bank account lets me, but some of my colleagues have figured out the secret to travelling on the extreme cheap. I keep seeing my friends on Facebook jet setting off to really cool places like Las Vegas and Hawaii.  I can’t help but wonder “How can they afford it?”  Well I think I’ve figured out their secret…
  • The Three Retirement Questions You and Your Partner Should Ask

    Kristina
    20 Apr 2015 | 9:15 pm
    Sponsored by Edelman Financial Services Good morning Dinks.  If you’ve worked your entire life and are now ready to enjoy the fruits of your labor let me ask you something, are you ready?  Sometimes couples like to do everything together from planning their vacations to driving to work and doing their weekly errands, does this include retirement? The answer depends on a variety of factors such as your age, the amount of your retirement savings, what your plans are for retirement and how well you’ve planned for retirement.  If you’re creeping up on the golden age of…
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    rVoice | rplan

  • The Benefits of Investing Early

    7 Apr 2015 | 5:11 am
    It’s the same story every year. In the final few weeks of the tax year, which comes to an end on 5 April, investors scramble to take advantage of their individual savings accounts (Isas) before they lose their tax-free allowance for the year for the good. More money goes into stock market and other funds in March than in any other month of the year. It doesn’t have to be this way. There are good reasons not to succumb to the last-minute rush – and not only because decisions made in haste are often regretted. Investing early on in the tax year rather than in its death throes makes
  • How to Choose a Fund Manager

    1 Apr 2015 | 2:11 am
    A handful of fund managers are stars of the investment world: the likes of Anthony Bolton and Neil Woodford have become household names after decades of consistently outperforming their rivals. But how much value do individual fund managers really add – and how do you go about choosing the right individual to handle your savings? What you’re looking for, of course, is better returns than rival managers will achieve. The problem is that the only data available on performance is backward-looking – and as every investors is repeatedly told, past performance is no guide to the future.
  • 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
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    Wallet Hub

  • 2015’s Tax Day By The Numbers

    John S Kiernan
    13 Apr 2015 | 12:09 am
    Posted by: John S Kiernan April 15 is one of those dates that’s simply synonymous with a particular event, representing Tax Day like Dec. 25 and Jan. 1 do Christmas and New Year’s, respectively. The glaring difference is that we approach this IRS holiday with foreboding – images of audits and unpaid liabilities dancing in our heads rather than sugar-plums. Such concerns, embedded in our DNA since Revolutionary times, are also well-justified – considering that we collectively fork over $3.1 trillion to Uncle Sam each year and spend 6.1 billion hours making sure our payments are proper.
  • The 2015 Masters Tournament By The Numbers

    John S Kiernan
    7 Apr 2015 | 12:50 am
    Posted by: John S Kiernan Four. It’s a number deeply representative of the Masters Tournament – one of golf’s quartet of “majors” – and the 2015 iteration in particular. Can Rory McIlroy – the No. 1 player in the world – take home the Green Jacket and in so doing win his third major in a row as well as complete the career Grand Slam? Or perhaps defending champion Bubba Watson will prevail instead, taking ownership of three out of the last four Masters titles. Who knows – maybe one of the four Koreans in the field (or the single player from Japan, Thailand or India) will even…
  • 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…
 
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    Refinance and Consolidate Your Student Loans | Student Loan Hero

  • Cosigner Release And How It Can Protect You From These Nightmare Scenarios

    Melanie Lockert
    24 Apr 2015 | 4:00 am
    Life can be full of ups and downs, hard times, and surprises. One tragic case is when a family member passes away. Unpleasant for most of us to think about, but bear with me. Aside from the deep sense of loss, you would also be left dealing with a myriad of legal and financial ramifications. […]
  • Your Questions Answered: What Is Net Worth? And How Do I Compare To the Average Net Worth By Age?

    Jeffrey Trull
    21 Apr 2015 | 9:25 am
    There’s a lot to think about when you’re trying to figure out your money situation. While you might measure your status in terms of your debt, that isn’t all there is to the equation. Plus, as you get older and pay off student loan debt, you’ll no longer be able to cling to this metric […]
  • 4 Easy Options To Get Parent PLUS Loan Repayment Under Control

    Jeffrey Trull
    16 Apr 2015 | 11:30 am
    Most current debates about student loans seem to focus on struggling college graduates who can’t repay their loans. But we hardly ever hear about parents who have to repay their Parent PLUS Loans for undergraduate students. This group of parents isn’t so small, either. In fact, Parent PLUS loan debt currently stands at about $62 […]
  • How To Make Extra Money With A Side Hustle (That Pays Up to $50/hour)

    Melanie Lockert
    14 Apr 2015 | 4:00 am
    When it comes to managing your money, there’s a lot of talk about saving money by reducing expenses like: cutting back on lattes, nixing cable, and ditching the gym membership. I totally get it. I think that if you are trying to pay off debt and build a solid financial foundation, those things can help. […]
  • Public Service Loan Forgiveness: Do You Qualify, And Is It Right For You?

    Jeffrey Trull
    8 Apr 2015 | 9:14 am
    We know that many of you are curious about the Public Service Loan Forgiveness Program, and it’s no wonder why. The program promises big rewards for student loan holders in the form of forgiving thousands of dollars in debt. Yet, as with a lot of programs, the application requirements can be confusing. And then there’s […]
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    Everyday Financial Strategies

  • How to Select Money Market Accounts for Your Emergency Fund

    Robert
    24 Apr 2015 | 4:00 am
    This is a guest post by Angie Picardo, she is a staff writer for NerdWallet. Her mission is to help consumers stay financially savvy and save money with NerdWallet’s highest money market interest rates and NerdWallet’s no-fee checking accounts. She has written many articles on topics in personal finance including a recent post in US News. Money Market Accounts No matter what stage you find yourself in your career, life can often find interesting ways to throw you a curveball. Many of these curveballs are known as Murphy’s Law— anything that…
  • The Toughest Choice You Will Make to Build Wealth

    Robert
    20 Apr 2015 | 1:56 pm
    Do you want to be wealthy? If so, why? If the reasons are sound then you must make a very tough choice. Before we discuss the tough choice you must make, let’s look at the reason for building wealth. Being wealthy is a responsibility, it is not a live a care free life or do whatever you feel. Being wealthy enables you to help those who are less fortunate or in need and to leave a legacy for your family. The tough choice is to give up debt to free up your income. It is as simple as that. It is very hard to prosper when most of your income is going to debt payments such as car loans,…
  • What does Homeowners Insurance Cover?

    Robert
    13 Apr 2015 | 4:00 am
    If you own a home, homeowner’s insurance is an absolutely must have  in your financial plan. If you have a mortgage on your house, you are required to have it as a part of your loan agreement. Homeowners insurance plans are complex and consist of multiple components. It is vital as a homeowner to know what is in your plan. This includes deductibles, coverages, liability, and endorsements. What is in Homeowners Insurance Polices? By definition, homeowners insurance covers land and anything attached and affixed to it. It includes dwellings, and those things permanently attached to…
  • Emergency Funding: Make it a Priority

    Robert
    10 Apr 2015 | 4:31 am
    Do you have an emergency fund or have you started a plan for emergency funding? If you answered no to both, you have placed your household at risk. Last month, I wrote a similar post called, “5 Reasons Why Households Don’t Have an Emergency Fund.” The reason I am writing about the topic again is because I have recently seen several clients run into financial hardships because they didn’t have an emergency fund. Most financial planners define an emergency fund as three to six months of household expenses or income. Emergency funding,  along cash-flow planning (monthly…
  • Just when I though I was out of debt, they pull me back in

    Robert
    6 Apr 2015 | 9:07 am
    You have come so far, and then BAM, a financial occurrence disrupts your life. The threat of using debt creeps into your mind. Just when you thought you were out, they pull you back in. Over the past two years, our basement has flooded. The carpeting and base boards have been ripped out twice. This has costed thousands of dollars. Recently, we had several plumbers and building contractors help diagnose what was going on with the flooding. Apparently, our house was built incorrectly for drainage back in 2003. We will spend thousands of dollars to get the problem resolved. Our basement will be…
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    Modest Money

  • If You Are Thinking About Buying a Stock, Stop and Think About This First

    Adam
    27 Apr 2015 | 6:15 am
    I am a simple man, and I like Bank of America (BAC) this year.  We all know interest rates have been low for a long time and we all know they are going to rise.  It is only a matter of when.  We also know that banks do well when interest rates rise because they make more money on loans – which is their business. I was a stock broker and trader for some of the largest online brokerages in the U.S. like TradeKing Inc., Zecco and others.  I always knew that people could be much better off by using just this one simple trick to get more cash and a lower cost basis on the stock they…
  • The Search for Yield Ends Here: Online Real Estate Investment With Fundrise

    Adam
    24 Apr 2015 | 2:17 pm
    Guest Post By Ben Miller, Co-Founder & CEO, Fundrise Every wealth manager has a theory on where to invest, but their advice and the opportunity to participate will cost you. And, as we all know, the higher your cost of investing, the lower your overall profit. Most money managers and hedge funds charge fees according to the “two-and-twenty” model, meaning they charge an average of 2% on all assets under management (AUMs) and an additional 20% of the “upside”, or any profits earned. Money manager fees are high in nearly every case, with servicing usually at more than one percent.
  • Why You Should Adopt Eco-Friendly Business Habits

    Adam
    23 Apr 2015 | 6:15 am
    Eco-friendly business habits are becoming essential these days and it’s not just about protecting the environment. In the age of transparency that we live in, it’s as much about your reputation as anything. It might sound cynical but as brands are pressed upon to tell their stories in ever more detailed ways– through blogs, social media and networking events – do you really want to be seen as a gas-guzzling, landfill-stuffing, carbon-hungry dinosaur? Of course not. Think too of the money you could save by becoming more responsible. Here are some ideas: Control Your Heating…
  • 3 Reasons to Switch to E Cigarette

    Adam
    22 Apr 2015 | 6:15 am
    Demand for e cigarettes is on the rise. Budget brands can be bought in many stores on the high street while premium e cigarette can be found at more upmarket stores. Smokers are switching to e cigarette not only for its health benefits but also to save money. E cigarette is also considered more environmental friendly than regular cigarette. Save lives According to the Centers for Disease Control and Prevention (CDC), mortality among male and females smokers in the US is about 3 times higher than that among similar people who never smoked. Smoking-related diseases include cancer and…
  • Get Hired the Smarter Way With Hired.com!

    Adam
    21 Apr 2015 | 6:15 am
    What a great idea! Having numerous employers fighting over you sounds like a very stress-free job search. Check out the video below for more info and then sign up here. The post Get Hired the Smarter Way With Hired.com! appeared first on Modest Money.
 
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    NerdWallet News

  • Take Advantage of the Low Euro and Enjoy a Summer Abroad

    Advisor Voices
    24 Apr 2015 | 10:19 am
    By Jeremy Office Learn more about Jeremy on NerdWallet’s Ask an Advisor Spring is in the air and many people are beginning to plan their summer vacations. This year is an optimal time to travel across the pond to visit members of the eurozone. I am not saying that as a travel agent, but rather as a macroeconomist. In the last year, the official currency of the European Union has lost nearly a quarter of its value against the U.S dollar. One euro now equals $1.08, an exchange rate we haven’t seen in nearly 12 years and down from a high of $1.60 in summer 2008. The euro and the dollar…
  • 7 Steps to Achieving Your 2015 Financial Goals

    Advisor Voices
    24 Apr 2015 | 8:59 am
    By Carlos Dias Jr.  Learn more about Carlos on NerdWallet’s Ask an Advisor We’re now more than 100 days into 2015 and many people have already turned their New Year’s resolutions into a reality. Others, however, are falling behind on their financial goals. Perhaps you intended to save more, spend less or learn more about investing in general, but you’re not seeing much progress. If so, it’s a good time to hit the reset button and reassess your goals. Here are a few pro tips on how to achieve your financial resolutions for 2015. Step 1: Set clear and measurable goals Financial…
  • Strong U.S. Stocks Push Some Investors Into Common Mistake

    Advisor Voices
    24 Apr 2015 | 7:56 am
    By Steve Elwell Learn more about Steve on NerdWallet’s Ask an Advisor In 2014, the S&P 500 returned 13.69% with dividends reinvested. Meanwhile, many diversified investors earned substantially less than that, due to falling commodity prices and poor international stock market returns after adjusting for the strong dollar. Some of these investors were extremely disappointed by their underperformance. Many drew the conclusion that it was time to change course and adjust for the reality that U.S. stocks are best. After all, if the S&P 500 has beaten almost every other asset class over…
  • The Key to Successful Retirement Planning? Save, Save, Save

    Advisor Voices
    24 Apr 2015 | 6:47 am
    By Mathew Dahlberg Learn more about Mathew at NerdWallet’s Ask an Advisor. When people find out I’m an investment advisor, they usually launch into a personal anecdote about how they made a killing on a hot technology stock back in the day, or they vaguely gloss over the current state of their portfolio. Then they lean closer and ask, under their breath, “Will I be able to retire at age a certain age?” By now I’ve learned to predict their disappointment when I provide my answer with a deadpan face. For it seems that while most retirement savers are aware of the many variables…
  • 2 Insurance Products Millennials Need to Buy

    Advisor Voices
    23 Apr 2015 | 1:41 pm
    By Rachel Podnos, J.D. Learn more about Rachel on NerdWallet’s Ask an Advisor If you’re a millennial, you really should be thinking about buying both disability insurance and personal liability insurance. These financial products are probably not a top priority for you right now. You also may be leery of being sold an insurance product you’re not sure you need. But you do need them, and here’s why: When you are young, two of the worst things that can happen to you financially are for you to lose your ability to earn an income or to have a significant monetary judgement entered against…
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    The Truth About Credit Cards.com

  • Get a Free Smartphone with the New AT&T Access More Card

    Colin Robertson
    23 Apr 2015 | 5:00 pm
    If you’re in need of a new smartphone, but aren’t willing to spend an arm and a leg to get it, there’s now another option. The new “AT&T Access More Card” from Citi is offering new cardmembers a free smartphone (up to $650 in value) excluding taxes, shipping, fees, and wireless service. Just to give [&hellip
  • Get a 20% Statement Credit for Uber Purchases Made with Capital One Quicksilver

    Colin Robertson
    22 Apr 2015 | 10:40 am
    It appears as if Uber likes being in the credit card game. Their latest venture into the world of plastic involves the Capital One Quicksilver card, and sister card QuicksilverOne. If you have either of these credit cards in your wallet you can earn a 20% statement credit for all Uber purchases made using said [&hellip
  • Why You Won’t Be Able to Use American Express at Costco Anymore

    Colin Robertson
    21 Apr 2015 | 2:59 pm
    A month ago, I wrote about how Citi and Visa partnered with Costco, thereby kicking American Express out in the process. That new arrangement will begin on April 1st, 2016, at which point Amex credit cards won’t be accepted by the super warehouse store. And the Costco Amex credit card will cease to exist. But [&hellip
  • Spend $50 at Smart & Final and Get $25 Back with Amex Offers

    Colin Robertson
    20 Apr 2015 | 3:13 pm
    Awesome deal alert! At the moment, American Express is offering $25 back when you spend $50 or more at Smart & Final stores in the United States by June 30th, 2015. Fortunately, there is a store just a few minutes away from my home, so I can take advantage of this offer very easily. Even [&hellip
  • Discover Launches On/Off Switch for Credit Cards

    Colin Robertson
    20 Apr 2015 | 12:42 pm
    I think just about everyone has misplaced their credit card at one time or another, only to find it just minutes or hours later. The problem is that you don’t want to keep that misplaced credit card active while it’s nowhere to be found. For this reason, cardholders often call and close the card the [&hellip
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    PennyMac

  • Enhancing Your Online Mortgage Account!

    7 Apr 2015 | 12:00 am
    We listened and it’s here! We completely redesigned our loan servicing website with features that allow you to access your loan information from your computer, tablet, or mobile device. Top to bottom, every aspect of your logged-in experience has been rebuilt and reconsidered with the focus on improving your overall online mortgage experience.
  • Information on Your Year End Mortgage Tax Statements

    18 Feb 2015 | 12:00 am
    PennyMac issues the Year End Statement (also known as a Form 1098 or annual tax statement) annually to mortgagors for income tax reporting purposes. This statement includes the total amounts for interest paid and property taxes paid from your escrow account (if you have one) for the entire year.
  • Huge Redesign. Major Update.

    19 Dec 2014 | 12:00 am
    Over the past couple years, we’ve seen more customers using phones and tablets to access PennyMacUSA.com. Last week, we redesigned the site to ensure that you’re able to find what you need clearly and easily regardless of the device you’re using. Searching for rates, learning more about smart home finance, and finding the right loan has become much easier.
  • Why Cash-Out Refinancing May Not Always Make Sense

    24 Apr 2014 | 2:40 am
    If your home value is now comfortably above water, you may be tempted to refinance once again to take cash out from your improved home equity. Cash-out refinances typically have no restrictions on how you use the cash you receive. The proceeds can go towards anything from making home improvements to paying for a child's education or even a new car.
  • Understanding the Rules for Deducting Home Mortgage Interest

    15 Apr 2014 | 7:11 am
    The IRS's home mortgage interest deduction is one of the most valuable tax write-offs for American families. While its effect can vary depending on your income, other deductions, and your mortgage, it's likely that it will reduce your annual tax costs by thousands of dollars. Claiming it is relatively simple for most people, as long as you follow the IRS's rules.
 
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    Moneycation

  • How do I know if I'm a victim of fraud?

    A.W. Berry
    20 Apr 2015 | 6:03 pm
    By Harry PriceRead your financial statementsBanks and credit card providers will usually send their customers a detailed statement of financial activity once per month, covering payments and credits made within the past 4 weeks. Financial institutions that offer online banking or account management make it even easier for customers to view their financial history whenever they want, from anywhere with internet access. Despite this, as a nation we’re embarrassingly bad at keeping track of our balances.A shocking 20 percent of us fail to check financial statements when they land on the…
  • Newsletter: Fundamental investment analysis

    A.W. Berry
    13 Apr 2015 | 7:18 pm
  • How to ace math tests without learning much

    A.W. Berry
    9 Apr 2015 | 6:41 am
    By Marta Gromadzka We all know people, who claim that they spend minimum time on learning math and yet they ace every math test they take. We often wrongly assume that those people must possess out of this world math skills, but the truth is that everyone can be better at passing math tests, if they follow these rules:Behave like an exemplary studentStudents, who are good at math are often really good in other disciplines as well. That is because they know the key to success: you should do everything as you are told. When your math teacher asks you to be more active during math classes,…
  • How to deal with debt

    A.W. Berry
    2 Apr 2015 | 1:24 pm
    By Harry Price Being in debt is no one’s idea of fun. Yet it happens to plenty of us, and is easy to fall into when you are struggling with money. Facing the problem head-on is key to getting out of debt, so read on to find out the best ways to approach debt and what your options are.List your debtsThe first step in dealing with debt is facing up the problem. So you need to sit down with a pen and paper and list all the debts you hold, and how much you owe.Make a plan of actionHow you deal with your debts will depend on your available income. And if you have very little spare money to play…
  • Newsletter: Managing the costs of education

    A.W. Berry
    31 Mar 2015 | 4:31 am
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    LCF on Personal Finance

  • Top 2 EPF Misinformation you should be wary about

    ChingFoo Lieu
    21 Apr 2015 | 9:49 pm
    There are a few chain emails and Whatsapp message that has been circulating recently on the supposedly certain “hidden” actions or rules by EPF which is deemed as inappropriate. Get your facts rights people, as some of these are misinformation in which EPF itself has answered to them publicly via public memo. So the next time before your forward such misinformation further, check your source and EPF official website. Misinformation#1 – When your sole or last surviving nominee dies, your money automatically gets put into Amanah Raya Public trustee. On top of that, the death…
  • Here is why we cannot be fully dependent on pension or EPF

    ChingFoo Lieu
    14 Apr 2015 | 7:11 pm
    Changes to the Retirement Fund Act 2007 which governs pension fund Retirement Fund Inc, or KWAP, has created a bit of a stir First is removing Bank Negara (BNM) representative from KWAP’s investment panel. Second is asking officials of the fund to be sworn to secrecy on unpublished information even after they have left office. KWAP website lists Che Zakiah Din as the central bank’s rep on the investment panel. On the KWAP board, the BNM rep is deputy governor Datuk Muhammad Ibrahim. The rationale of having a BNM rep on the board of KWAP’s investment panel is to haver…
  • Should your Chartered Accountant be your Financial Advisor as well?

    ChingFoo Lieu
    3 Apr 2015 | 12:35 am
    Some investors have this habit of referring their Chartered Accountants (CA) for every financial decision including investments. With all due respect to CA, we are not saying that this is not appropriate, but one must also conduct due diligence if the Chartered Accountant is sufficiently efficient to advice on the aspects of investments or financial planning matters? By efficiency we are in no way referring to CA’s qualification, but instead, we are referring to CA’s area of expertise. I have seen that Chartered Accountant being given god-status in some households. Once I…
  • 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:…
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    Money Soldiers

  • 6 Ways You Can Use the Internet to Make Money

    Arnel Ariate
    27 Apr 2015 | 7:14 am
    Are you struggling to make ends meet at the moment?  A lot of people are still finding things hard financially.  There are ways to make money online that you’re probably ignoring though.  Here are 6 of the best of them.   1.  Set Up a Small Online Business In the last 15 years, the internet […]6 Ways You Can Use the Internet to Make Money is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How to Take the Risk Out of Your Investments

    Arnel Ariate
    27 Apr 2015 | 6:38 am
    Most of us have considered the investment route when it comes to our money.  It can often provide a much better return than the interest rate at your bank.  Rather than have your cash sitting in a savings account, why not invest it?  Of course, many are put off by the horror stories.  We always […]How to Take the Risk Out of Your Investments is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • The Ultimate Guide to Making Money from Property Leasing

    Arnel Ariate
    23 Apr 2015 | 7:04 am
    If you’re sick and tired of spending your working day in an office with people you don’t like, it could be time to start a new business this summer.  Presuming you like the idea of making money from property leases, you have a choice to make. You could either purchase homes and become a full-time […]The Ultimate Guide to Making Money from Property Leasing is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • 4 Ways of Adding Gold to Your Investment Portfolio

    Arnel Ariate
    18 Apr 2015 | 6:54 pm
    For an investor, gold is a glittering temptation.  After all, it is a relatively safe commodity when it comes to investment returns.  But if you think investing in gold is foolproof, it is far from that.  Many investment planners consider gold as a hedge to protect your wealth against the risk of loss.  And they […]4 Ways of Adding Gold to Your Investment Portfolio is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • The Truth About Texas Property Tax Loans

    Arnel Ariate
    15 Apr 2015 | 6:38 am
    The Truth About Texas Property Tax Loans – An infographic by the team at Property Tax Funding. The Truth About Texas Property Tax Loans is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights ReservedThe Truth About Texas Property Tax Loans is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
 
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    Hull Financial Planning

  • I’m Good Enough, I’m Smart Enough, and Doggone It, Monkey Brain Likes Me

    Jason Hull
    23 Apr 2015 | 6:00 am
    “I deserve good things, I am entitled to my share of happiness. I refuse to beat myself up. I am an attractive person. I am fun to be with.” –Stuart Smalley, Saturday Night Live Have you ever sat on the train (or in the bar or at a party) next to someone who wants to […]Learn to beat your Monkey Brain and Accelerate Retirement. I’m Good Enough, I’m Smart Enough, and Doggone It, Monkey Brain Likes Me is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: 3 Reasons to Unlock Monkey Brain’s Obi Wan Kenobi Monkey Brain Can’t See the…
  • Is Your House Actually Causing You to Lose Purchasing Power?

    Jason Hull
    16 Apr 2015 | 6:00 am
    “Purchasing power is a license to purchase power.” –Raoul Vaneigem “The only honest dollar is a dollar of stable, debt-paying, purchasing power.” –Senator Robert Owen How many of you have heard this one? Your house is your biggest investment. With the burst of the housing bubble in the 2008 timeframe, a lot of people who […]Learn to beat your Monkey Brain and Accelerate Retirement. Is Your House Actually Causing You to Lose Purchasing Power? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: What Should You Think About if You’re…
  • Hoarding, the Scarcity Mindset, and an Unnecessary Attachment to Your House

    Jason Hull
    9 Apr 2015 | 6:00 am
    “I steal cracker packets. I hoard them. Once my collection is large enough, I’ll take them to the flea market and try to sell them to discerning lovers.” –Jarod Kintz My parents like to watch the show American Pickers, so when we go home for the holidays, we usually wind up watching an episode (or […]Learn to beat your Monkey Brain and Accelerate Retirement. Hoarding, the Scarcity Mindset, and an Unnecessary Attachment to Your House is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: The Scarcity Mindset, the Abundance Mindset, and the Impact…
  • The Slippery Slope to What the Hell, or, Why Spending Diets Don’t Work

    Jason Hull
    2 Apr 2015 | 6:00 am
    “Go to Heaven for the climate, Hell for the company.” –Mark Twain “My grandmother started walking five miles a day when she was sixty. She’s ninety-seven now, and we don’t know where the hell she is.” –Ellen Degeneres I used to be a pretty decent competitive poker player. I earned a couple of entries to […]Learn to beat your Monkey Brain and Accelerate Retirement. The Slippery Slope to What the Hell, or, Why Spending Diets Don’t Work is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Denying Yourself Doesn’t Work In…
  • 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…
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    Listen Money Matters

  • Obama Care For The Self Employed

    Candice Elliott
    27 Apr 2015 | 3:00 am
    Obama Care has made health insurance accessible for more people but it’s confusing to navigate. Thomas will tell us his story of signing up. Having wider access to health insurance is great, but you still have to go through the process of picking a plan and signing up. If you’ve tried and given up, take heart. Thomas did it and you can too. The ACA has an open enrollment period. The next one is November 1,2015-January 31,2016. There are certain exceptions to this time period that you might be eligible for if you missed the last sign up. There are several tiers of care to choose…
  • Red State Welfare

    Candice Elliott
    26 Apr 2015 | 3:00 am
    There is a big divide between red states and blue. Part of the gulf is welfare spending. But which states benefit more? Spoiler alert, Fox News lies. In a previous article we discussed social versus corporate welfare. Big corporations benefit just as much and probably more, than so called welfare queens. But where do those social welfare queens reside? Big urban cities like New York and Detroit? Or are they mostly well below the Mason-Dixon Line in such Republican strong holds as Louisiana and Mississippi? For a country called the United States of America, there certainly seems to be a big…
  • Stuff You Can Rent Rather Than Buy

    Candice Elliott
    23 Apr 2015 | 3:00 am
    If you only need an expensive item once, you can rent it rather than buy it. You’ll be amazed at the number of things you can rent. Sex dolls included. You know you can rent a car or a house but there are lots of other things you can rent too. If you only need an item once, or just every few months or years, why buy it? If you do buy it, you also have to maintain and store it, costing more money. So save money, time and space and let’s see what we can rent. Clothes And Accessories Wedding Dresses The average bride spends $1,300 on a wedding dress. A dress that she’ll wear…
  • Toilets, Termites, Taxes – The Trouble with Real Estate!

    Allison Karrels
    21 Apr 2015 | 3:00 am
    The road to real estate riches can be paved with problems. Tenants, toilets, termites, and taxes can all conspire to eat into your returns. I would love to tell you that you simply purchase a property, find a good tenant and everything will run smoothly. Of course real life is never that simple and problems will arise along the way as you build up your rental property portfolio. The key is to be prepared. Just like you need an emergency fund to cover your life expenses if you lose your job, you need an emergency fund to cover unexpected expenses that come up with your rental property…
  • Recovering From A Burnout

    Candice Elliott
    20 Apr 2015 | 3:00 am
    Burnout can happen to the best of us. Even those of us at Listen Money Matters. But you can bounce back. A break and a few deep breaths and back on track. Job burn out is not uncommon. Especially for vacation deprived Americans. But we can’t all quit and go live on the beach. So we have to recover somehow. You may have noticed that LMM went from three episodes a week to one. Andrew just hit the wall to be honest. As most of you know, he works a full time job in addition to LMM. He also puts a lot of pressure on himself to get the best product he can out. Well, that is a recipe for burn…
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    Equifax Finance Blog

  • What Is the Date of Last Activity on My Credit Account?

    Equifax Experts
    20 Apr 2015 | 5:37 am
    We get comments all the time from Equifax Finance Blog readers about the concept of “date of last activity” as it pertains to their Equifax credit report. What is the date of last activity? The date of last activity is determined in different ways for different accounts, depending on the status of your account. Here’s how Equifax explains the difference: For accounts paid as agreed with no balance, the date of last activity indicates the date of the last payment on the account. If you have a credit card that you pay off in full every month, the date of last activity will indicate the…
  • Should I Open an Investment Account at My Bank?

    Susan Johnston
    20 Apr 2015 | 5:30 am
    In certain situations, it’s clear who to call when there’s a problem you can’t solve. When a pipe breaks in your home, you call a plumber. When your car breaks down, you call a mechanic. When your pet is sick, you call the veterinarian. But what if you’re trying to determine how to invest your money? Who do you call then? It depends. You could talk to an advisor at your bank about opening an investment account. You could also work with an independent advisor or fee-only financial planner to get his guidance about which investment company and type of account might fit your needs. You…
  • Mythbusters: Tax Deductions

    Eva Rosenberg
    17 Apr 2015 | 5:20 am
    Whether you filed for a tax extension and have yet to file your 2014 taxes, or you’re simply thinking ahead to next tax season, it’s important to know the facts about tax deductions. After all, the United States Tax Code is getting bigger—the Tax Foundation says that the entire body of the tax code has grown to 70,000 pages—and all of those details, procedures, and pronouncements can obscure the basic information about what you may and may not deduct or claim. Let’s clear up a few myths: 1. Claiming your main squeeze as a dependent. You may claim a boyfriend or girlfriend as a…
  • Love It or List It?

    Steve Cook
    17 Apr 2015 | 5:14 am
    Following the housing bubble burst in 2007, when home values fell by 60 percent or more in some areas, approximately 23 percent of homeowners owed more on their mortgages than their houses were worth by the end of the third quarter of 2009. The lack of equity froze these homeowners in place for years, leaving them unable to sell their houses or refinance to pay for improvements. Today, as the housing recovery takes hold and the move-up market grows, more families are again looking at their options. Here are answers to a few common questions that homeowners have when they’re weighing whether…
  • Homeowner’s Insurance Tips for First-Time Homebuyers

    Ilyce Glink
    16 Apr 2015 | 1:06 pm
    Being a first-time homebuyer also means being a first-time buyer of homeowner’s insurance. Just like every other part of the home-buying process, this decision requires research, comparison shopping, and careful consideration. Your homeowner’s insurance provides broad coverage for damage to your house (unless specifically excluded in your policy), as well as coverage for personal liability exposures which may arise from being a homeowner, so it’s important to choose wisely. Start thinking about insurance early When you first start looking for a home, you have to do a lot of calculations…
 
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    The Simple Money Blog

  • Living beneath your means: saving money means more financial freedom

    Angela and Kirby
    27 Apr 2015 | 4:30 am
    KJ: We’ve written about the concept of living beneath your means before, but there really is a powerful impact to you and your family’s bottom line of living beneath your means (whatever that may be). Not only by living on … Continue reading →
  • The change: preparing financially to have a baby

    Angela
    21 Apr 2015 | 4:30 am
    AJ: KJ and are going through the change. Not THAT change, the we’re having a baby change! Many of you have already been down this path and have earned your Masters Degree, but we’re generally green to this entire concept. … Continue reading →
  • How we’re setting ourselves up to retire at almost any age

    Kirby
    6 Apr 2015 | 5:00 am
    KJ: We’ve continued with our aggressive savings path for seven years now and while we’ve still got a ways to go until we’re “financially independent” (think, the ability to live off of our savings without requiring a paycheck), there are … Continue reading →
  • Saving for your future (video number one! – vlog)

    Kirby
    30 Mar 2015 | 5:00 am
    KJ: This vlog post is taking a little bit of a different spin and approach. We’ve created our very first video using Moovly. When you make money, you have to learn how to save money. Check out the vlog – … 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 →
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    My Money Design

  • 14 Week Cancer Update and My Thoughts on Dying

    MMD
    27 Apr 2015 | 2:00 am
    I just wanted to give everyone another quick update on my fight with cancer.  Things have been going fairly well so far, although I’m starting to feel more of the cumulative effects of chemo.  This past week was somewhat of a milestone for me – I’m officially halfway through my treatments!  Within the next few weeks I’m scheduled for a PET scan where they will be able to tell just how much my tumor has shrunk.  Our fingers are crossed for some good news! Aside from the actual treatments themselves, I can tell you this – in the days of post-recovery after chemo, you get a lot of…
  • Get Ready to SAVE BETTER! With My First eBook

    MMD
    20 Apr 2015 | 2:00 am
    Did you know that if you had started out your career maximizing your 401k every year, there’s a very distinct possibility that you would retire by age 62 with over $7 million dollars? Did you know that by saving your money in an IRA or 401k you’re actually saving as much as $509,774 over 30 years in compounded returns from NOT letting $4,500 slip away to taxes each year? Or, how about that a Roth-style 401k or IRA might NOT be your friend (contrary to popular belief).  In fact, a Roth may end up costing you over $1 million dollars of lost fortune depending on how you plan to retire.
  • How a Good Asset Allocation Model Can Impact Your Financial Future

    MMD
    13 Apr 2015 | 2:00 am
    Assets allocation is just not one of those topics that most people find particularly sexy.  Usually it’s the sort of thing that gets about as much attention as the instruction manual to your Blu-ray player. But as you’ll see below, it’s one of those parts of investing that you simply can’t ignore – largely because it can have a MAJOR effect on your finances and how long they ultimately last. The reason I wanted to bring this up is because of the roller-coaster of market activity lately.  In case you haven’t checked your stocks or 401k balance in a while, there have been some…
  • Niche Website Income Report 28 – $975 for March 2015

    MMD
    6 Apr 2015 | 2:00 am
    Thanks and welcome to the monthly progress and income report for my niche website business! Every month I like to share with you how things are going with website developments, challenges I’ve ran into, and cool new tricks I’ve discovered.  It’s all part of being an online entrepreneur and seeing if we can create something from nothing into a constant sustainable business. Right off the bat I’ll apologize and confess that I have not spent as much time working on my niche sites as I probably should be.  That’s all because I’ve been pre-occupied with the finalization of my first…
  • 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…
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    The Quizzle Wire

  • It’s the five-year anniversary of PPACA – has it helped?

    Miranda Marquit
    27 Apr 2015 | 6:00 am
    In 2010, Congress passed — and President Obama signed into law — the Patient Protection and Affordable Care Act (PPACA, also called Obamacare). Some of the provisions of the law took effect almost immediately. Other requirements have been implemented over time and are still being phased in. So, after five years, can the PPACA be called a success? It depends on how you feel about the law, as well as how you measure success. Michael Stahl, Senior Vice President at HealthMarkets, feels that, while the implementation has been somewhat choppy in cases, overall the PPACA is a success.
  • Where do the highest earners in the U.S. live?

    Miranda Marquit
    24 Apr 2015 | 6:00 am
    If you were a high earner, where would you live? Since birds of a feather flock together, it might not be surprising to learn that there are some areas that attract the affluent. However, how you measure earnings might make a difference in where these high-income areas are located. AGI, wages and salaries, and dividend income The Transactional Records Access Clearinghouse (TRAC), housed at Syracuse University offers information about tax returns in the United States. Using information from 2013 (the last available year, since tax-year 2014 just ended), it’s possible to get an idea of where…
  • Top budget vacation ideas for 2015

    Miranda Marquit
    22 Apr 2015 | 6:00 am
    The vacation is a staple of American life. We all like to get away for a little while. However, vacations can get expensive at times. If you are looking for a good vacation that won’t break the bank, here are a few suggestions. International travel: year of the euro “The euro has plunged, and Europe is a bargain if you dollars to spend,” says John Golicz, the CEO of The Travel & Adventure Show and the editor of 1000TravelTips.com. He points out that the eurozone economy is struggling, and the euro is down about 24% over the last year. “Prices for local European hotels, rental…
  • What you should know about short sales

    Cathy
    20 Apr 2015 | 9:31 am
    Not that long ago, short sales were so unusual that the term was rarely used. But ever since the recent housing bubble burst, short sales have become relatively common. Here’s what you should know about short sales: A short sale is the sale of a property for less than the balance of the current mortgage on that property. Here’s a typical example: John Doe bought a house a couple of years ago for $400,000. He put down five percent, or $20,000, leaving him with a mortgage of $380,000. With his timely mortgage payments, he’s brought the balance of the mortgage down to $365,000…
  • What is deflation and how could it affect you?

    Cathy
    17 Apr 2015 | 6:00 am
    When it comes to finance and economics, deflation refers to the general decrease of prices of goods and services over time. It is the opposite of inflation, or when the inflation rate falls below zero. In the U.S., deflation is officially measured by the Consumer Price Index, which tracks price fluctuations in consumer goods and services from the perspective of the consumer. The practical effect of deflation is that each dollar buys more goods and services. For example, during a period of deflation, the amount of candy that you would have bought for $1 would now cost less than $1. That may…
 
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    Credit Card Insider » InsiderCredit Card Insider

  • New 20% Discount Offer from Uber and Capital One

    Brendan Harkness
    23 Apr 2015 | 7:49 am
    Uber and Capital One recently announced their new partnership to offer Quicksilver cardholders 20% back for every purchase they make with the Uber transportation service. There are 2 credit cards for which this offer applies: The Capital One QuicksilverOne Cash Rewards Credit Card The Capital One Quicksilver Cash Rewards Credit Card The first card is […] The post New 20% Discount Offer from Uber and Capital One appeared first on Credit Card Insider.
  • One Quick Hack for Startups to Make the Most of Business Credit Cards

    John Ganotis
    20 Apr 2015 | 9:45 am
    Many business credit cards offer a hefty introductory cash back or point bonus for spending a certain amount after getting the card, usually several thousand dollars within 3 months. If your company pays for web hosting, you need to know about this simple (and perfectly legal) trick to help you reach that spending threshold quickly […] The post One Quick Hack for Startups to Make the Most of Business Credit Cards appeared first on Credit Card Insider.
  • Getting A Business Credit Card Without A Personal Guarantee

    Kimberly Rotter
    3 Apr 2015 | 8:01 am
    A personal guarantee is almost always required for a business credit card. Businesses start and fail every day in the U.S. and credit card issuers understandably don’t want to be stuck with the bill. For sole proprietorships and partnerships there is little to be done to avoid a personal guarantee. True, the business credit card […] The post Getting A Business Credit Card Without A Personal Guarantee appeared first on Credit 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. Your previous reward category will end on Tuesday, March 31st. 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 […] 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.
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    SideHustle HQ

  • Starting a Food Tour Side Business

    SideHustleHQ
    7 Apr 2015 | 3:37 am
    So-called lifestyle businesses are often the path to unparalleled profits and return on income if you’re smart about how you structure them.  Food tours have become increasingly popular in recent years thanks to the burgeoning “foodie” movement. If you like the idea of introducing discerning customers to unique restaurants, vineyards and breweries for a fee, a food tour business might be right for you. Here’s a simple road map for building a thriving food tour company. Figure Out a Solid Niche The first thing to do is settle on a specific niche that’s worth…
  • Starting an Energy Audit Side Business

    SideHustleHQ
    1 Apr 2015 | 5:51 pm
    Due to the gradual rise in energy costs in recent years, the energy efficiency industry has become big business. One great way for the savvy entrepreneur to profit from this new state of affairs is by launching an energy audit business. Basically, energy auditors analyze how buildings use energy and suggest ways that home and business owners can reduce their consumption and save money. If you like the Earth and love burgeoning opportunities, do the following to start your own energy-auditing outfit. Select a Niche Worth Exploiting There are a couple of different directions that you can go in…
  • 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…
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    Covenant Trust Company

  • A gift for Resurrection Covenant Church’s warming center

    Covenant Trust Company
    16 Apr 2015 | 9:11 am
    During the Lenten season, Covenant Trust Company raises money around the office for a Covenant ministry. Employees who make a donation can wear jeans to work on Fridays; we call this fundraiser “Levis for Lent,” and it’s been a fun and successful tradition at the office for the past several years. This year, AJ Gomez,…
  • CTC tips: debt manager and net worth tracker

    CTC - Steve Allison
    31 Mar 2015 | 1:23 pm
        Have you ever driven somewhere you’ve never been before? If you have, you likely used directions, a map, a GPS, or some other kind of tool to guide you to your destination. You probably didn’t get into your car, drive away, and simply hope for the best. Unfortunately, that’s how many of us approach our financial goals. We have…
  • 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…
 
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    Debt Consolidation USA

  • You Might Be Surprised On How Living Alone Affects Personal Finance

    al
    26 Apr 2015 | 11:14 pm
    Personal finance is an important part of life and most people have an idea on how it affects their lives. As Investopedia.com shares, it has a lot to do with how your money and even your future is handled and managed. Your finances is not just something that you deal with to get through in […] The post You Might Be Surprised On How Living Alone Affects Personal Finance appeared first on Debt Consolidation USA.
  • 7 Ways To Make The Most Out Of A Tax Refund Check

    al
    24 Apr 2015 | 1:47 am
    Consumers that got their hands on tax refund checks this year might not be the least bit worried about missing tax filing deadlines. In fact, one of the main concerns of people who received refunds would be how to use the money they just got in the mail. It is very tempting when you have […] The post 7 Ways To Make The Most Out Of A Tax Refund Check appeared first on Debt Consolidation USA.
  • Important Financial Tools You Need To Have With You

    al
    15 Apr 2015 | 1:12 am
    When you are properly equipped with financial tools, it makes a lot of sense that you are able to reach your monetary goals in life. It can be as big as buying a house with a mortgage loan or a car with an auto loan or as simple as staying away from a sale event […] The post Important Financial Tools You Need To Have With You appeared first on Debt Consolidation USA.
  • Preparing Your Finances For Unexpected Expenses

    al
    13 Apr 2015 | 7:48 pm
    American consumers has been through a lot in the past few years dealing with unexpected expenses because of market conditions. Investopedia.com explains the Great Recession in 2008 was the latest blow in the economy. The decline in market activity was the largest since the Great Depression that put the country in rock bottom situations. A […] The post Preparing Your Finances For Unexpected Expenses appeared first on Debt Consolidation USA.
  • Is It Possible To Run A Business With Limited Funds?

    al
    9 Apr 2015 | 11:19 pm
    There are a lot of people who dreams of starting a business of their own but are faced with limited funds right from the start. It seems that for them to make money, they would need money to get it going. It has a striking similarity with the way the lending institutions work – if […] The post Is It Possible To Run A Business With Limited Funds? appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • What Zombies Can Teach You About Debt

    Kate Swenson
    22 Apr 2015 | 7:20 am
    I watch The Walking Dead. I’m not a huge TV watcher, generally, but there are a few shows I always stay caught up on and The Walking Dead (TWD) is one of them. When I was watching this past episode, I had this random thought pop into my head: zombies are a lot like debt. If you watch TWD (or if you just generally know anything about “zombie lore”), you can easily learn a few common themes regarding zombies: They multiply. Given enough time and enough victims, zombies will eventually consume their environment; They’re relentless. Zombies just keep moving forward, shambling toward their…
  • 5 Must Read Tips For All New College Grads

    Kate Swenson
    15 Apr 2015 | 12:00 pm
    Congratulations college grads! Do you remember the scene from “The Graduate” with Dustin Hoffman where he is barraged with questions and advice at his graduation party about where to work? Oh wait, you weren’t born yet when the movie came out 48 years ago. Come to think of it, your parents likely weren’t either. Well, get the movie from the library and watch it sometime. It is a classic scene. I do intend to barrage you with advice, but not about going into plastics. This advice is to help you avoid some typical financial pitfalls of a new college grad as you enter a new phase in…
  • 10 Warning Signs of Hitting a Financial Wall

    Kate Swenson
    14 Apr 2015 | 9:02 am
    Making an on-time mortgage payment can be difficult if there’s an emergency or unexpected expense. What if a one-time incident caused you to stumble, but you can regain footing? Or, what if you are stumbling and the financial hole is becoming deeper and deeper? Below are 10 warning signs to gauge if the state of your finances calls for action. #1 Avoiding financial documents such as mortgage and credit card statements. #2 Relying on credit cards to pay for everyday expenses such as food and gas. #3 Getting behind on or missing mortgage payments. #4 Skipping bills each month to cover your…
  • Preparing for Student Loan Repayment

    Kate Swenson
    13 Apr 2015 | 7:52 am
    One of the most buzzed about financial topics in the U.S. today is student loan debt. I am excited to tell that our own Program Director Darryl Dahlheimer was recently interviewed by Mint.com as part of their Expert Interview program. Click here to read the interview and let us know what you think.   The post Preparing for Student Loan Repayment appeared first on Personal Finance Blog | LSS.
  • How One Minnesota Man Saved His Home From Foreclosure

    Kate Swenson
    8 Apr 2015 | 11:14 am
    As a busy father of three, Dave had many hats to wear. He and his wife Ella enjoyed being active in their kids’ education and recreational activities plus each also kept busy working several seasonal jobs. Dave even worked as a pizza delivery driver at night to make extra money. Their goal was to protect their house from foreclosure. In spite of their best efforts it became increasingly difficult each month to make their mortgage payment. Dave scraped time together to complete three separate modification applications asking that the house payment be made affordable – 31% or less of their…
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    Minting Nickels

  • How to Encourage your Kids to Apply for Scholarships

    Justin
    14 Apr 2015 | 1:17 pm
    Being the parent of a child who is about to become a student can be exciting. Most parents would remember their times as students and may have a nostalgic feeling when their children are going to college. This is the first true step that your child is taking towards the adult life, so it can be a good time to motivate him or her. One of the best ways to do this is by lightly encouraging them (no nagging or pressuring). To help lower the costs of college expenses, don’t be afraid to motivate your kids to apply for scholarships. The child can be encouraged and assisted to developing a…
  • 10 of the Richest People in Indonesia

    Justin
    14 Apr 2015 | 1:00 pm
    It may not be the first country that comes to mind when you think of immense wealth and privilege, but Indonesia is full of billionaires. Some are them are self-made; some of them inherited and then invested their money in worthwhile pursuits; all of them can serve as an inspiration to the struggling entrepreneur. 1. Anthoni Salim Anthoni Salim is head of the Salim Group, an international conglomerate that oversees everything from logging to the production of instant noodles. These diversified interests have established him as one of Indonesia’s biggest billionaires. 2. Eka Tjipta…
  • Quick Ways to Earn Some Extra Cash

    Justin
    2 Apr 2015 | 6:26 am
    Many old adages fall under the classification of being too cliché, but “cash is king” is certainly not one of them! No doubt, one of the most sought after pieces of advice is how to make extra money, and most people usually want to know the quickest way to do it. You probably can’t become a millionaire overnight unless you win the lottery, but there are many ways you can earn an extra few bucks in a hurry if you really need to. We all know that Ebay and Amazon are great ways to sell things that you don’t need. Their only downfall is that the buyers are often out of state, if not out…
  • How to Save Money on a 1st Date

    Justin
    31 Mar 2015 | 1:26 pm
    When going out on your first date, you want to impress her with a fancy dining establishment. After appetizers, the main course, wine, and dessert, you’re looking at spending $150 or more. To help save money, make your date personal and impressionable with a few of the below date ideas. Use Discounts When You Can If you do go out for dinner, try doing so with a reservation on a site such as OpenTable.com. You can earn points towards discounts for future meals. This is a great way to save without your date knowing. Also, use promotions found on apps and websites like LivingSocial.com,…
  • 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…
 
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    Debt RoundUp

  • This is What Happens When You Get Financially Real

    Grayson Bell
    27 Apr 2015 | 12:10 am
    Today I was asked to be a part of a little financial roundup with other awesome personal finance bloggers. It’s hosted by my good friend Shannon, from The Heavy Purse. Since April is Financial Literacy Awareness month, why not end it by delving into what it means to get “financially real?”  April is an important month for personal finance bloggers. This is a month to focus on helping people understand their finances and all aspects of money. We can only be good at money once we learn as much as we can. We are only as good as the best knowledge we keep.  Lucky for all of…
  • The Best Cell Phone Plan for Kids

    Grayson Bell
    23 Apr 2015 | 7:17 am
    I got an email the other day from a reader that asked a good question. Basically, the email asked what the best cell phone plan for kids would be.  This reader had a family plan at T-Mobile. It was four lines for $100, so $25 per line.  The problem is their kid was using too much data, which is 2.5GB per line on that plan.  Hence the email.  I do a lot of research on cell phone plans. My most popular cell service reviews are Straight Talk, Walmart Family Mobile, and Republic Wireless. I try every service that I review. That’s the fun of having an unlocked cell phone (minus a few…
  • How to Be a Conscious Spender

    Mike Collins
    22 Apr 2015 | 6:15 am
    Are you the type of person who just spends his money without thinking and then wonders where it all went at the end of the month?  That’s a pretty common practice and it is one way to find yourself saddled with debt and bills you can’t afford. The key to breaking your unhealthy money habits is to become a conscious spender. According to Ramit Sethi, a conscious spender is someone who spends extravagantly on the things they love, but mercilessly cuts costs on everything else. Prioritize What Matters Most No one can afford everything they could possibly desire, at least no one I know…
  • Are We Focusing Too Much On Upfront Costs?

    Grayson Bell
    20 Apr 2015 | 2:15 am
    This past week I was talking with another blogger about a large website hosting company and the problems associated with it. This hosting company is one of the bigger ones in the market and they provide low-cost hosting for millions of sites. The conversation started because a different blogger was asking if others had seen issues with their website speed and such. Then came the recommendations of moving hosts. Now, since I do a lot of website work for many bloggers, I know a thing or two about hosts and migrations. It’s one of the services I provide for website owners. Anyway, the…
  • 7 Simple Ways to Make Money This Weekend

    Grayson Bell
    18 Apr 2015 | 5:30 am
    So, what are you doing this weekend? It’s Saturday and you’re probably coming up with plans for the current weekend, or maybe even some weekends down the road. You might need to take care of some yard work (I know I usually do) or head out with some friends to do this or that. I mean, it is the weekend, right? People want to relax after a long week of working, but does the weekend mean you should stop looking for ways to make more money? Though I typically have a laundry list of things to get done over the weekend, I’m always on the lookout for revenue creating…
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    The Smile Lifestyle - Phroogal

  • The Reasons Why You’re Consistently Spending More Than You Earn

    Valencia Higuera
    27 Apr 2015 | 6:19 am
    Most of us want a bigger savings account which can help us meet financial goals. Yet, it seems that many people aren’t always willing to do what it takes to spend less and save more. I hear people say they’re committed to their goals, yet their actions say something completely different. I might not know everything about money, but from my observation — overspending seems to be one of the biggest goal crushers. I realize spending in moderation is much easier said than done, especially when there’s always some amazing sale or the opportunity to have fun with friends. And sometimes, you…
  • A Millennial’s Perspective: Giving Credit to Credit Unions

    Will Lipovsky
    23 Apr 2015 | 5:30 am
    I became a member of my local credit union back in 2008. I joined primarily so I would have a physical place to deposit cash and checks. Mobile deposit doesn’t work too well for depositing cash. I also understood opportunity cost too well to leave much cash depreciating in my sock drawer. Beyond the need for a physical institution, I wanted a good interest rate for my money. I began checking rates around town. I started with the obvious… Wells Fargo. Then I called the other banks in town. The term ‘credit union’ didn’t mean anything to me at the at this point. But someone told…
  • The YOLO Mindset: Millennials and Money

    The Phroogal Jason
    21 Apr 2015 | 2:09 am
    As millennials we grew up through the dotcom crash of the 90s and experienced firsthand the Great Recession during our formative years of personal and career development. Some of us saw our parents lose their jobs, retirement savings and homes. We saw the luxury cars, over-sized houses and stuff our parents purchased to create a happy life taken away. We were also raised in a period where we’ve been in a constant state of terror and war. These were the foundations of our YOLO mindset. When we were coming of age, YOLO was at its peak pop culture usage. YOLO stands for “You Only Live…
  • 5 Things You Need To Ask About Your Credit Cards

    Ossiana Tepfenhart
    16 Apr 2015 | 6:17 am
    In the credit card world, it’s a buyer’s market. Credit card company after credit card company is trying to get anyone’s business who will agree to their terms. As luck would have it, this high level of competition means that almost anyone (if not everyone) can get a credit card. Since this market gives you the upper hand, you might as well get the most bang for your borrowing buck. Doing this is easy – you just have to find the card with the best perks. Here’s how to get the most out of the next credit card you apply for! Ask about what rewards program the card offers. If you are a…
  • 9 Ways Life is Better With an Emergency Fund

    Valencia Higuera
    14 Apr 2015 | 9:01 am
    I recently read that nearly half of Americans don’t have $500 in an emergency fund for an unexpected expense. This isn’t a surprise given the high cost of living. But even if you can’t afford to save 10% of your salary every month, saving something is better than nothing. Some people, however, downplay the importance of a saving account. But no matter how you look at it, life is better with an emergency fund or saving accounts. Ideally, we should aim for a 3 to 6-month cash cushion. However, if you have $1,000 in your savings account, you’re doing better than most people.
 
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    Financial Advice

  • How To Save Money On Electronic Devices?

    Maria Mcquire
    1 Apr 2015 | 3:42 am
    In this globally connected world if we want to be connected with the people we need many devices which makes our work easy and helps people to connect globally. Every business people use these devices to deal business issues with the client who are anywhere in the world. These devices are very important in our day to day life and we can’t avoid it. Instead of the cost of maintenance of this device is high still we can’t ignore them because, wantedly or unwantedly we are addicted to them. This device makes the people lazy, our ancestors have to do everything manually for every work they…
  • 4 Reasons Why People Say to Choose a Credit Union

    Hannah Whittenly
    15 Jan 2015 | 9:21 am
    Americans are experiencing a growing distrust with big banks. They don't like how banks are selling their mortgagescharging fees for debit cards, or sneaking in covert charges to increase their profits. This has forced consumers to turn to alternatives for everything from CDs to checking accounts.One of the most prominent alternatives is a credit union. They offer a few unique advantages driven by a more consumer-friendly philosophy.Let's explore four reasons why credit unions are recommended over banks by the common person.1. They're CheaperLarge financial institutions have an unsightly…
  • Six Things to Know Before Declaring Bankruptcy

    Rianne Hunter
    4 Aug 2014 | 9:00 am
    Declaring bankruptcy is always an unpleasant thing to consider, but it may be the only way that you can escape crippling debt that is impossible to pay off. If you need to declare bankruptcy, there are some things you need to know.1.      Be prepared to have your finances exposedWhen you file, you will need to appear at a meeting of all of your creditors incourt. A bankruptcy trustee will ask you questions about your finances, and creditors can ask questions as well. You will have to be completely honest and list off all property, assets, creditors and debts.
  • How To Deal With The Financial Burden Of Car Repairs

    Hannah Whittenly
    29 Apr 2014 | 8:49 am
    Hearing a random rattle in the hood or a squeak in the brakes is never too promising. On top of fearing for your safety, you're afraid of the cost. Fortunately, smart planning and intelligent decision-making skills help you to deal with these unexpected costs. Have Money Set AsideWhile you certainly cannot predict the moment when a car problem is going to happen, you can do your best to be prepared for it. Having a completely drained bank account is not smart for a variety of reasons, and unforeseen car issues are some of them. If you always have at least a little bit of money set aside, then…
  • Educate Yourself: 5 Less Known Loan Types And When You Might Need Them

    Hannah Whittenly
    25 Apr 2014 | 10:07 am
    The following loan types can help people in exceptional circumstances. A 203 (K) or a balloon mortgage come with benefits and obligations that will fit different types of borrowers looking to purchase a home. Reverse mortgages and secure loans effectively put up equity or assets as loan collateral. Cash advances are smaller loans that many can use for a short-term occasional cash infusion.FHA 203 (K)203 (K) loans can be put to good use by people handy and knowledgeable in home repair. Finding a shabby house, repairing it and selling a newly-renovated high-value property is the ideal situation…
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    iMoney.ph

  • Peso-Cost Averaging: The Easy Way To Invest

    imoney
    24 Apr 2015 | 12:00 am
    The stock market is a tricky beast. You never know when it’s going to go up, down, or sideways. Even the most seasoned of stock market analysts can only predict so much. This volatility in stocks scares a lot of people off from investing, because they don’t have the time to spend analyzing companies and stocks and market movements with the scrutiny required to make the most informed investing decisions. And it’s just plain scary. But what if there was a way for you to invest in the stock market at amounts you can afford and a schedule that works for you, all while providing lower risk?
  • Beyond Metro Manila: The 4 Best Buy Cities For Property

    imoney
    21 Apr 2015 | 11:46 pm
    It’s safe to say that living in Metro Manila is not the best. Traffic is awful, the MRT is overcrowded and sometimes goes off the rails, the pollution is unhealthy, and property is expensive as heck. “If you ask a resident of Metro Manila living beside the main thoroughfares, they will tell you that it’s really bad,” says Jess Nicdao, president of the Pampanga Chamber of Commerce and Industry, in an interview with iMoney Philippines. But there are even more serious reasons for people to consider moving out of Manila. According to Nicdao “there is a danger of catastrophe if…
  • The Top 10 Richest People In The Philippines 2015 [Infographic]

    imoney
    19 Apr 2015 | 5:00 pm
    Things have changed since Forbes’ list of The World’s Billionaires was released in 2014. This 2015, there have been a few shakeups in the top 10 richest people in the Philippines, and some changes in net worth. Interestingly, many of the country’s wealthiest people are self-made (including the richest man in the Philippines, Henry Sy), so if you’re determined enough and have the right business savvy, you might just find yourself on this list in the future: Henry Sy of SM Investments Corporation consolidates his status as the richest person in the Philippines for the seventh year in a…
  • Fight Fuel Prices With Fuel Rebate Credit Cards

    imoney
    16 Apr 2015 | 5:00 pm
    With fuel prices changing every week, it’s nice to have a credit card that gives you discounts on your fuel purchases. Luckily, there are a lot of fuel credit cards in the Philippines you can choose from. Many banks offer either special co-branded cards with the Big Three of Shell, Petron, or Chevron/Caltex, or give rebates at any gas station you use. So to help you out, we’ve compiled the comprehensive guide to fuel rebate credit cards in the Philippines. With these cards, you can save money on fuel to the tune of thousands of pesos every year, and enjoy other motorist discounts at…
  • How Much Do Annulments Cost In The Philippines?

    imoney
    14 Apr 2015 | 6:00 pm
    Annulment is a very sensitive topic, but unfortunately, it is the only option for Filipinos who feel trapped in a marriage. There is no divorce in the Philippines, making it the only country in the world without divorce laws in the books (unless you’re Muslim — and they comprise only 11% of the Philippine population). While six out of ten Filipinos are in favor of the legalization of divorce, trying to pass a divorce bill in Congress is still difficult. A divorce bill filed in May 2014, House Bill 4408 authored by Representatives Luz Ilagan and Emmi de Jesus, is still languishing in the…
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    FinancingLife.org

  • Best Mutual Funds in 2014 by Asset Classes

    Rick Van Ness
    1 Apr 2015 | 6:31 pm
    Summary of video: Best Mutual Funds in 2014 by Asset Classes (video) Key points about an ETF from this video: past performance does not predict future performance. asset class performance tends to revert to the mean it pays to diversify This video was released in 2015 but the data in the video is actually through 2013. Fear not, I’ve given you a link, both above and below, so that you can download and print a pdf of the table through 2014. However watch the video. It’s really excellent and the central point is that speculating by asset classes is rather pointless. Transcript of…
  • 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…
 
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    Personal Finance Advice

  • 3 Tips to Ace your Next Job Interview

    Chris Bibey
    16 Apr 2015 | 5:47 am
    So, the big day is coming soon. You are going on a job interview you have been dreaming of for quite some time. It is natural to feel nervous. It is natural to think about everything that could go wrong. Even though you may feel this way, there are steps you can take to improve your chance of success. And by success, we mean landing the job. Don’t be one of those people who overcomplicate the job interview process. Instead, follow these three basic tips: Be prepared for anything that could come your way. Even if you think you know everything about the position, company, and industry, it…
  • 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…
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    Mad Fientist

  • Under the Microscope: The Mad Fientist

    The Mad Fientist
    21 Apr 2015 | 8:50 am
    Last year, I asked you what you’d like to see more of on this site and the biggest request was to see more stories of people who are on the path to early financial independence so today I am introducing the Under the Microscope series, the series where we peak behind the curtain of someone’s journey to financial independence and offer advice to help them reach FI even sooner! The second most-popular request from my survey was that you wanted me to write more about my personal story so to kick things off, I decided to go under the microscope first! Be easy on me :) Occupation…
  • 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…
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    Getting Ahead, A Personal Finance News & Exchange

  • Old vs. New School Job Hunting: Networking, Interview Tips, and More… Part Two

    23 Apr 2015 | 1:10 pm
    <img style="vertical-align: middle;" title="Job Hunting: New School" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/job-hunting-new-school.jpg?sfvrsn=2" /><br /> <br /> <p><strong>Part 2: New School</strong></p> <p>Now that you&rsquo;ve got the <span style="text-decoration: underline;"><a href="http://www.usequityadvantage.com/getting-ahead/blog/2015/04/21/old-vs.-new-school-job-hunting-networking-interview-tips-and-more-">old-school job…
  • Old vs. New School Job Hunting: Networking, Interview Tips and More…

    21 Apr 2015 | 1:02 pm
    <p><strong><img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/job-hunting-old-school.jpg?sfvrsn=2" title="Job Hunting: Old School" style="vertical-align: middle;" /><br /> </strong></p> <p><strong>Part 1: Old School</strong></p> <p>Graduation day is right around the corner, and now you&rsquo;re about to star in your own reality show. In other words, things are about to get real &ndash; very real &mdash; especially when it comes to your finances. Not only will…
  • Kirk, Spock, or McCoy: What Kind of Investor Are You in the Star Trek Universe?

    8 Apr 2015 | 6:05 am
    <link rel="stylesheet" type="text/css" href="https://www.tryinteract.com/css/interact.css" /> <iframe width="800" height="600" frameborder="0" src="https://quiz.tryinteract.com/#/us-equity-advantage/1" class="interact-embed"></iframe> <p class="interact-p">Powered by <a href="https://www.tryinteract.com/blog/how-to-make-a-personality-quiz/" class="interact-link">Interact</a></p>
  • Travel Tips to Make Flying Cheaper and Easier - Part 2

    2 Apr 2015 | 11:42 am
    <img style="vertical-align: middle;" title="Travel Tips to Make Flying Cheaper and Easier Pt 2" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/travel-tips-to-make-flying-cheaper-and-easier-pt-2.jpg?sfvrsn=2" /><br /> <br /> <p>Last time we showed you how to <a href="http://www.usequityadvantage.com/getting-ahead/blog/2015/04/01/travel-tips-to-make-flying-cheaper-and-easier-part-1">save money on your airline tickets</a> and checked luggage and avoid weather-related snafoos when traveling by…
  • Travel Tips to Make Flying Cheaper and Easier - Part 1

    1 Apr 2015 | 12:37 pm
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/travel-tips-to-make-flying-cheaper-and-easier-part-1.jpg?sfvrsn=2" title="Travel Tips to Make Flying Cheaper and Easier Part 1" style="vertical-align: middle;" /><br /> <br /> <p>You may be old enough to remember a time when traveling by air was a signature experience. Seats were wider, planes less crowded, all bags flew free and passengers were served real, hot meals &mdash; sometimes with actual silverware. Oh, and the security check involved walking through…
 
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    Rockstar Finance

  • ★ Why Getting Robbed Was the Best Thing to Happen to Me

    Team
    27 Apr 2015 | 3:02 am
    “I have boxes of things that I’ve kept over the years and every time I see the boxes, I immediately feel overwhelmed, trapped and stuck. Just by looking at stuff, I get that feeling. It’s been a constant job of mine to go through every box I have and get rid of things that no longer serve a purpose.”
  • ★ A Single Person’s Guide to Frugal Living

    Team
    27 Apr 2015 | 3:01 am
    “I stay grounded and content because I want to find someone that’s attracted to the real me. I don’t want them to be fooled into thinking I live some lavish lifestyle. Fundamentally, I continue being frugal because I want people to know that I care more about who they are, rather than the brand they’re wearing.”
  • ★ Fun Facts About Money You Never Knew

    Team
    27 Apr 2015 | 3:00 am
    “If you have $10 in your pocket and you have no debt, you are wealthier than 25% of Americans.”
  • ★ Challenge Yourself to a Money-Free Weekend

    Team
    24 Apr 2015 | 3:02 am
    “For the last few months, my wife and I have been doing something every other weekend or so that we call a “money-free” weekend, in an effort to live more frugally. It’s actually quite fun – here’s how we do it…”
  • ★ How to Hack Your Credit Score

    Team
    24 Apr 2015 | 3:01 am
    “Here’s the catch: This ratio is measured by the amount you charge, even if you pay your bill in full every month. In other words, you could be debt-free, pay $0 in interest, use your credit card as a proxy for cash — and yet still hold a damaging utilization ratio. This is mega-important, so I urge you to re-read this paragraph.”
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    Doctor Of Credit

  • $100 Babies R Us Gift Card for $80 is Back!

    Chuck Sithe
    27 Apr 2015 | 9:24 am
    We wrote about numerous gift cards which are being sold on eBay at a discount. That sale is still going and we’ve updated the original post with the current info. The Babies R Us deal was the best of them all and it sold out in under 1/2 hour. The deal is now back on. The Offer Direct Link Buy $100 Babies R Us physical gift card from Giftcardmall on ebay for $80. Limit 2. The Fine Print Limited quantity available Our Verdict This could be an easy was to make a few dollars. You should be able to resell the card for $82 each which will leave yo with a $4 profit. Add $1.60 in eBay bucks…
  • Ask A Blogger Series: Best Little Known Or Unknown Credit Card Benefit

    William Charles
    27 Apr 2015 | 8:45 am
    This is another post in our series titled ‘ask a blogger’ where we ask a bunch of different bloggers a new question every week. You can view other posts in this series by clicking here. Question I asked: What is your favorite unknown or little known credit card benefit? (e.g a lot of people don’t know about phone insurance for example) Responses Amtrak Transfer To Choice Hotels Amtrak card allowing 1:3 transfer to Choice? Is that lesser known? Probably not any more. Travel is Free American Express Extended Warranty At this point, it seems like all the major benefits are…
  • The Worst Gift Card Deal Ever: $50 Starbucks Giftcard For $200 – Special For Mother’s Day

    William Charles
    27 Apr 2015 | 7:00 am
    I cover a lot of gift card deals on this blog, as they are great for reselling. Today I was alerted to quite possibly the worst gift card deal I’ve ever seen. Starbucks is selling a metal & ceramic Starbucks Card for $200 and it comes preloaded with $50 in Starbucks credit. That means you’re paying $150 for the physical gift card. If you’re interested in this deal, you might want to hurry because stocks are limited (you actually might want to see a mental health professional)!!!! Starbucks actually has a history of these types of deals, they’ve offered the…
  • Best Western Rewards Premium MasterCard From FNBO Review – Up To 50,000 Points + 20,000 Point Anniversary Bonus

    William Charles
    27 Apr 2015 | 5:30 am
    The Best Western Premium Mastercard is issued by First National Bank of Omaha. In this review we will be looking at the benefits & negatives to this card and who it’s best suited to. Along with the minimum credit score we’d recommend you have before applying. Interest Rates Fees Card Pros Up to 50,000 point sign up bonus Free FICO Score Platinum Elite Status with Best Western 10% discount on Flexible night stays Card Cons Annual fee of $59 Only spending category bonus is at Best Western Best Western points are not hugely valuable APR: 14.99% – 19.99% Annual Fee: $59,…
  • Discounted Giftcards At Kroger’s (+4x Fuel Points)

    William Charles
    27 Apr 2015 | 4:30 am
    Gift Card Deals Kroger’s is currently offering discounts on a number of discounts. To receive these discounts you need to log into your loyalty account and save them to your account. When you go in store you then need to swipe your loyalty card. You can only do each deal once per loyalty card. Also keep in mind that you currently earn 4x Kroger fuel points until the 28th which makes this deal even better. I imagine these discounts will also show at other Kroger stores (e.g Smith’s, Ralphs etc, but not entirely sure). Break Even/Profit Deals All of these deals you’ll either…
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    moneypantry.com

  • How I Made a Quick $100 in Less than 4 Hours (Craigslist Secrets!)

    Satrap
    26 Apr 2015 | 10:01 am
    There are a lot of Craigslist money making ideas, but most of them are too inconsistent. Most people need a regular pay check, which is why so many people spend their lives working for someone else. For me, I found a way to make this steady income we all need from Craigslist. I wouldn’t say... Read More The post How I Made a Quick $100 in Less than 4 Hours (Craigslist Secrets!) appeared first on MoneyPantry.com.
  • Free Money for College: 3 Crowdfunding Sites to Help Pay for Your Education

    Satrap
    22 Apr 2015 | 1:47 pm
    Perhaps, you have heard about Kickstarter, one of many crowdfunding sites that enable people to raise funds for innovative projects, some of which may require just a few thousand dollars while others need millions. As a student you may be wondering if there are websites that help you with raising funds for finishing your studies... Read More The post Free Money for College: 3 Crowdfunding Sites to Help Pay for Your Education appeared first on MoneyPantry.com.
  • Earn Money Teaching Online Through Google Helpouts

    Satrap
    20 Apr 2015 | 2:46 pm
    Update: Unfortunately, Google has shut down the Helpouts. If there is one company that everybody knows for sure, it is Google. Google has been making a massive expansion into all kinds of fields in the last decade, and it has become a common occurrence to hear about a new Google app, product, or service. Well,... Read More The post Earn Money Teaching Online Through Google Helpouts appeared first on MoneyPantry.com.
  • Top 30 Short Task Sites to Make Money on the Side

    Satrap
    15 Apr 2015 | 7:32 pm
    If we could, most of us would be interested in making more money. But making more money is a complicated thing, it can require getting a second job or sacrificing a lot of your time. Making money on the internet would be a far better way to do it. Of course, this site is a... Read More The post Top 30 Short Task Sites to Make Money on the Side appeared first on MoneyPantry.com.
  • 400+ Websites to Earn Extra Money (26 is Unbelievable!)

    Chris
    8 Apr 2015 | 7:43 am
    MoneyPantry is a site that was created to share my knowledge about how people can make some extra money with their time. I’ve talked about many, many ways to earn money by this point, everything from making money by selling cookies to doing professional-level work. In this post, I’m going to talk about every website... Read More The post 400+ Websites to Earn Extra Money (26 is Unbelievable!) appeared first on MoneyPantry.com.
 
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    CompareHero Malaysia

  • How to Trick Your Brain into Saving Money

    CompareHero
    22 Apr 2015 | 9:05 pm
    When making a decision, people want more of something good. That’s the assumption of the rational choice theory at least and that theory believes that an individual acts to maximise their personal advantage. The rational choice theory has found its way into economics textbooks on human decision-making and it highlights how every decision has been thoroughly thought out so that we get the maximum benefit from everything that we do. Except we don’t always act rationally every time. If the theory is true, everyone has a sizeable bank account tucked away for the rainy day because that’s…
  • INFOGRAPHIC: Income Tax Rates Around the World

    CompareHero
    22 Apr 2015 | 8:42 pm
    The implementation of income taxes is a key element of any country’s taxation system. To fund most public works and infrastructure projects, governments levy and collect taxes from a variety of sources. Some places charge taxes for material goods in the form of property taxes (for real estate) or value-added taxes (for everyday commodities like groceries and fuel). Income tax is a specific form of tax directed at those who earn a living within a country’s borders. Depending on a country’s tax laws, income tax may be required of foreigners working in the country in addition to citizens.
  • Important Tax Questions Answered

    CompareHero
    20 Apr 2015 | 11:37 pm
    Filing taxes can be confusing and it’s normal to have a lot of questions on your mind especially if it’s your first time to file your taxes. It’s not just here in Malaysia where filing taxes can be confusing but it’s the same pretty much the same anywhere (even worse in some countries!) so don’t fret, this simple guide will try to answer some of the most important tax questions that you might have. What’s My Income Tax Rate? Your tax rate is determined by your chargeable income – your chargeable income is the amount left from your gross income after exemptions and tax reliefs…
  • TripAdvisor’s Top Travel Destinations for 2015

    CompareHero
    20 Apr 2015 | 1:08 am
    Got a hankering for a vacation outside of the country? TripAdvisor’s got a list of the Top 25 Favorite Destinations around the world. Get your credit cards, passports, and travel insurance at the ready, because once you’re done reading, you’ll definitely be bitten by the travel bug! The list of top travel destinations in the world was chosen by millions of TripAdvisor users. For 2015, Marrakech in Morocco took the coveted top spot, drawing travellers with its markets and gardens. A trip to Morocco is also a great way to gain a better appreciation of Moorish art and architecture. Siem…
  • 7 Tax Benefits We Wish We Had

    CompareHero
    15 Apr 2015 | 10:49 pm
    Tax season can be a frustrating or a confusing time, especially if you have to file your income tax return without the assistance of an accountant or a human resource manager. It’s a good thing that there’s quite a list of tax exemptions taxpayers in Malaysia can avail.  It’s also a great advantage that we can easily file income taxes online and pay tax dues using a credit card. In some countries, taxation is a whole lot easier and, do we dare say, even a pleasure. Why? Because these countries get to enjoy some tax benefits that we could only wish we had! Take a look at the following…
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    Financial Market Vigilante

  • Oil Likely to Signal Next Major Market Correction, Eventually

    15 Apr 2015 | 5:23 am
    The trading pattern of the major U.S. stock indices (DIA) (SPY) (QQQ) during since the beginning of 2015 is best described as sideways and volatile.A review of the equity market indices shows the 50 day moving average of DOW and the S&P500 barely maintained a positive slope in the first quarter, while the trading range showed a loss YTD of almost 5% in early February only to recover to a positive 2% by early March, a range of 7%.  The tech heavy NASDAQ was a better performer in the first quarter, providing relative gains of 2% for the 1stquarter, and currently up 3% for the…
  • Zero Interest Rates - A Restrictive Monetary Policy for the Masses

    10 Apr 2015 | 10:36 am
    When the zero-bound rate policy was implemented by the Federal Reserve after the 2008 financial crisis, it was readily accepted by investors that the policy was being implemented on the pretense of making monetary policy “easy”.  Six and ½ years into the policy, it is becoming increasingly clear that the interest rate policy is best described as “low”, but the term “accommodating” is not a proper way to described the actual policy which has been implemented.Ben Bernanke has started a blog which I believe is an ingenious way for a former Fed Chairman to engender public discussion…
  • Financial Relativity Metrics Signal Deflation Troubles for Stocks in 2015

    10 Jan 2015 | 10:23 am
    The first full week of trading in 2015 has shown a trend that is likely to be the harbinger for the year as a whole – volatility fueled by a tug of war between deflationary fears and hyped growth expectations in the U.S. economy.  In this type of environment, option trading or taking short-term positions can make you a investing super-hero one day, and a goat the next.  Trying to stay the course as a long-term stock investor will be difficult for those who are more risk-averse.The known variables which can readily be used to grasp where stocks will gravitate in 2015 are much…
  • Saudi's Oil Shock Therapy Hits Permian Trust Hard

    8 Jan 2015 | 7:46 am
    The price movement in Permian Trust units (PER) since the beginning of September 2014 thru the beginning of January 2015 has been dramatic, dropping from over $12 per unit settling at just above $6 per unit at the 1/5/2015 close.  The severity of the move can be traced primarily to an adjustment in the market to a radical downward shift in the expectations for future oil prices.  During the summer months as the price of oil spiked up above $110 per barrel on geo-political tensions, the market sentiment was that $100 oil was here to stay, and that there was an implied floor of about…
  • Linn Energy: A Shale Play Challenged at $55 Oil

    18 Dec 2014 | 7:22 am
    Linn Energy (LINE) (LNCO) traded closed below $10 a unit on December 15, 2014, marking both a 52 week low, and lows not experienced since the December 2008 financial crisis.  During the 2008 crisis, oil reached a bottom in the $35 range, whereas currently we are just reaching the $55 per barrel range.  Why is the panic so much more acute today than the time period politically labeled as the “Greatest Recession since the Great Depression?”  Are we entering an even bigger Depression?  That question I may have an opinion, but will not attempt to answer in this…
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    Money International

  • Pension Freedom Day Meltdown For Financial Firms

    Martin Hughes
    25 Apr 2015 | 11:46 pm
    The phones have been ringing off the hook as retirement savers flooded call centres with queries about their new pension freedoms. Flexible access pension rules started on April 6, 2015, allowing anyone aged over 55 years old to draw as much cash as they like from their direct contribution retirement savings. More than 200,000 calls melted phones at pension providers as retirement savers rushed to find out how they could benefit from the new rules. According to pension provider trade body, the Association of British Insurers (ABI), 229,932 calls were made. Because the first day of pension…
  • Putin Upbeat About Russia Economy Despite Sanctions

    Kevin Barnett
    22 Apr 2015 | 10:10 pm
    Russian president Vladimir Putin has scoffed at international claims that his country’s economy is in trouble and that rouble is in decline. In a telephone call-in programme on Russian TV, he told viewers that Russia’s economy was performing well and that the rouble was standing strong against foreign currencies. Nevertheless, the value has dropped from 36 roubles to a US Dollar to around 55 roubles to the dollar in the past year. He brushed off claims from the International Monetary Fund that the Russian economy had severe problems and claimed falling growth is not as bad as feared. The…
  • 300% More Taxpayers Fined For Tax Return Mistakes

    Vicky Dixon
    22 Apr 2015 | 10:10 pm
    HM Revenue & Customs (HMRC) scrutiny of tax returns has seen the number of taxpayers fined for careless mistakes rise by almost 300% in a year. Official figures show 14,401 taxpayers paid penalties for deliberate mistakes on tax returns in the 2013-14 tax year compared to 5,162 in the previous 12 months. Before HMRC tightened up policy on errors on tax returns, many of these mistakes would have been treated as careless rather than deliberate, attracting a much lower penalty. Tax law says taxpayers face a fine if a tax return or related document is inaccurate, and that inaccuracy leads to…
  • Bridal Business Wins 25,00th StartUp Loan

    Martin Hughes
    22 Apr 2015 | 5:40 am
    Entrepreneur Nicola Weeks has become the 25,000th borrower to gain finance from the government’s Start Up Loan scheme. She helping to finance a new boutique in Bedford with the cash offered to her by the government. After giving up a career as an actor, Weeks was given an £8,500 loan to finance her wedding business, George James Bridal. “I found the applying for the loan easy and straightforward,” said Weeks. “The real plus was the brilliant help I received from my mentor. “I am so pleased to be starting my own boutique and being the 25,000th borrower and the publicity around it…
  • More Surprising Revelations Regarding Public Sector Pensions

    Vicky Dixon
    22 Apr 2015 | 5:38 am
    Although public sector pension holders probably couldn’t have a much lower opinion of the scheme they have been paying into throughout their career as a public servant, more revelations have recently been unearthed to further exemplify the irresponsible approach adorned by those in control of hundreds of thousands of people’s retirement funds. While the public sector fund stares down the barrel of a deficit in excess of £1 billion, it has now come to light that those receiving in excess of £100,000 per annum from this beleaguered fund has more than doubled in the last three years. Those…
 
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    SuperMoney!

  • Extravagant Luxuries Owned By The Richest People

    Theresa Cummings
    21 Apr 2015 | 7:15 am
    It’s hard for us to imagine having more money than we could possibly spend in a lifetime, but there are many rich people who have such a fortune.  We explored the luxury items of the richest people.The Entourage Take mega superstar Mariah Carey. You might not be a Mariah fan, but her work has allowed her to amass a fortune that has an estimated value of $500 million. Ms. Carey employs a battalion size staff that literally caters to her every whim. The woman has an assistant whose sole job is to carry around sanitary hand wipes to give to Carey after she shakes hands with anyone. It is…
  • How Do Credit Ratings Affect Interest Rates For Personal Loans?

    Travis Pizel
    21 Apr 2015 | 12:00 am
    Personal loans can be used for a variety of purposes. Whether it’s a new deck, a kitchen remodel, or debt consolidation, a personal loan provides borrowers the financial means to make it happen. Lenders advertise personal loans everywhere, typically stating a range of interest rates available, which may leave potential borrowers wondering, “Why is there a range, and how do they determine an applicant’s interest rate?”There are five main factors that determine the interest rate for a personal loan:Unsecured vs. SecuredPersonal loans are typically unsecured loans, which…
  • Top 10 Best Freebie Sites

    Audrey Henderson
    16 Apr 2015 | 12:00 pm
    Who doesn’t like getting free stuff? But many people shy away from freebie online sites because of the hoops that a lot of sites make you jump through. Other people don’t like getting tons of junk mail or spam email (actually nobody likes that). The sites listed below allow you to score freebies on items that people actually use. Rewards include free magazines, household goods and even birthday presents! What’s not to love?Many freebie websites require you to register – and you’ll need to provide your address to receive samples and merchandise in the mail. How can you provide the…
  • Change Email

    Jeffrey Milling
    9 Apr 2015 | 12:28 pm
    The post Change Email appeared first on 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…
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    Your Smart Money Moves | Personal Finance Blog

  • 5 Career Moves To Make To Get Promoted In Your First Year On The Job

    Ted Jenkin @ Your Smart Money Moves
    25 Apr 2015 | 8:27 pm
    Do you want to put your life and your career on the fast track?   In my corporate career, I got promoted as one of the youngest district managers, field vice presidents, and group vice presidents in the history of the Fortune 500 I worked for during my corporate life.  I quickly learned that if you want to make more progress in a year than most people do over the first 10 to 20 years of their career, there are a few key lessons you need to learn to get on that fast track.  Those that follow these five lessons can set themselves up within a year to get a promotion and advance with light…
  • Don’t Close Out Your Bank Accounts

    Ted Jenkin @ Your Smart Money Moves
    22 Apr 2015 | 10:13 pm
    Every week, HGTV has episodes of couples and families looking to move to a different part of the world.   While you get a small glimpse of what life is going to be like living in a foreign country, you shouldn’t forget about the mountain of financial decisions that you can be facing you when you leave the United States.  It’s easy to make simple mistakes, so here are some of the biggest issues to concentrate on when you move to a new country. Don’t close your United States bank accounts- It can be difficult to open up a bank account in a foreign country and it also can be…
  • Don’t Trust Sales People Who Wear Pinky Rings, Bow Ties, or Chew Gum

    Ted Jenkin @ Your Smart Money Moves
    20 Apr 2015 | 10:38 pm
    Sales people come in all shapes, sizes, and personalities.   We generally know why most people buy from someone.  It’s because they like them and they trust them.  Even though I’m in the business of sales, I have to buy many things from people as well.  I’ve come to the conclusion that there are three types of people I would never buy something from at any point in my future.   Those that wear pinky rings, bow ties, or chew gum.   Here’s the lowdown on these sales personalities. The Pinky Ring-  I’ve watched many of the recent Marvel Comics movies including Iron Man and…
  • The $11 Lunch You Didn’t Enjoy

    Ted Jenkin @ Your Smart Money Moves
    18 Apr 2015 | 12:11 pm
    You get rushed right around lunchtime and once again realize that you didn’t prepare something to eat today.   Your stomach is grumbling, so you rush to the basement floor of your building complex to just pick up a little something for lunch.   You notice the salad bar and begin to pile up a few things on your plate to eat for lunch.  You grab a bag of chips and then a drink to wash it all down.   The deli cashier rings it all up and tells you it will cost $10.89 for your meal.   As you shake your head in a state of shock, you only kick yourself further down the road for not…
  • How Do You Know When It Is Time To Move?

    Ted Jenkin @ Your Smart Money Moves
    16 Apr 2015 | 8:24 am
    Unless we have a major job change, there are several times in our lives where we ask ourselves if it is time to move from our current home.  Change isn’t easy.   Moving can be even harder.  New friends, new traffic pattern to work, and time to learn a new landscape.   However, moving may be a defensive or offensive play in your family finances depending on your overall situation and the national marketplace for real estate.  Here are four smart money moves scenarios that may give you some insight if it is the right time for your family to move. The Cost Of Private School Is Killing…
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    Money On Trees

  • 5 Ways Volunteering Can Boost Your Career!

    Fabio Marrama
    16 Apr 2015 | 8:14 am
    Final exams are almost over, and you have summer just ahead of you! For many post-secondary students, you may have finally graduated and this will be your chance to look for your first career. Landing one in this competitive job market will be a task! As you start your search, remember the benefits of volunteering and how it can positively benefit your career. Here’s 5 ways volunteering can boost your career courtesy of TalentEgg (Canada’s leading job board and online career resource for students and recent grads). Work Experience If you’re just starting out, there’s a good chance…
  • Choice and Affordability Coming to a TV near You!

    Fabio Marrama
    9 Apr 2015 | 7:09 am
    For most young adults these days – Netflix seems to be the “go-to choice” for television entertainment. It’s affordable and entertaining. In fact, we recently wrote a blog about Netflix’s advantage for alternative TV. However, things have changed somewhat in the last few weeks. According to the Financial Post, the Canadian Radio-television and Telecommunications Commission (CRTC) announced the next stage in the evolution of Canada’s cable and television industry. The CRTC has required pick-and-pay TV channels and basic packages with a $25 cap from cable providers. What this means…
  • 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…
 
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    Bankrate.com » Rates

  • Mortgage rates in Washington, DC

    Clare Mallen
    23 Apr 2015 | 7:30 am
    Here are the weekly updated mortgage rates for Washington, D.C., including the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    23 Apr 2015 | 7:15 am
    See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Houston, Texas

    Clare Mallen
    23 Apr 2015 | 7:05 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Houston.
  • Mortgage rates in San Francisco, California

    Clare Mallen
    23 Apr 2015 | 7:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in the San Francisco Bay area.
  • Mortgage rates in New York, New York

    Clare Mallen
    23 Apr 2015 | 6:30 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 New York metro.
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    Stock News Desk

  • The Amazon Dash button: now buying is simple from Amazon

    James Smith
    1 Apr 2015 | 8:32 am
    New York City, New York – (StockNewsDesk) – 04/01/2015 — The Amazon Dash is the latest buzz for online shopping lovers. It is all set to make online shopping simpler and time effective. It is all new hardware named the Dash Button which has been invented for easy shopping experience. Hence you will never run out of your daily household products. You simply need to push the button or voice the product you are in need of and Amazon will deliver it to you as soon as possible. Anyone in your house can use it to refine the shopping list. You will have dedicated hardware for every…
  • The Appkettle: first ever smart kettle

    Marcel Jackson
    31 Mar 2015 | 8:38 am
    New York City, New York – (StockNewsDesk) – 03/31/2015 — The Appkettle is the first of its kind – a smart kettle with vision. It is a useful and smart beverage making tool for everyone. You can easily control the temperature and time with your smartphone for better heating. It has been named as the world’s first smart, and smartest, kettle. The electric kettle is simply the most versatile beverage maker. It is essential for those who have some affinity towards hot drinks. But in this technology driven world, nothing could be better than actually communicating with your…
  • 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…
 
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    The Travel Sisters

  • Lounge Review: United Club Lounge – Chicago O’Hare

    Matilda
    26 Apr 2015 | 8:07 am
    The first time I checked out the United Club lounge near gate B18 at Chicago O’Hare Airport, I did not stay long.  My flight wasn’t departing anytime soon but after seeing the crowded lounge and “meh” offerings, waiting at the gate seemed more pleasant.  Hopeful that maybe the lounge was having a bad day or maybe I was just having a bad day, I recently popped in again to give the United Club lounge a second chance. To enter the United Club lounge, proceed down the escalator and check in at the counter. Although the United Club Lounge was fairly busy during this visit,…
  • Have You Registered for New IHG Share Forever Promotion?

    Patti
    22 Apr 2015 | 6:27 pm
    Yesterday, IHG launched a new promotion called “Share Forever”.  Although personally I will not be taking advantage of this promotion, I did register for two reasons. 1. I Always Register For Every Promotion I always register for every hotel promotion (even though don’t take advantage of a lot of them).  Sometimes I end up staying at a hotel that I had not planned on at the time a promotion is announced.  For example, I recently got invited to wedding and the hotel they recommended we stay at is a Hyatt so I will be taking advantage of a promotion I had not planned on using. I…
  • Earn Free Money and Points at Staples This Week

    Patti
    20 Apr 2015 | 4:23 am
    Staples is offering a rebate on Visa gift card or MasterCard gift card purchases this week. The rebate is valid for in-store Visa or MasterCard gift card purchases from April 19 through April 25. If you buy $300 or more of Visa or MasterCard gift cards at Staples stores this week you will receive a $20 Staples gift card after easy rebate.  $20 is more than the fees you would incur for purchasing $300 of gift cards so you would be earning some extra profit. Staples periodically offers $20 dollar rebates on gift cards purchased in-store (last time rebate was offered was almost a month ago).
  • Win a Trip to the Grand Wailea in Maui!

    Patti
    16 Apr 2015 | 4:52 pm
    The Grand Wailea in Maui is giving one grand prize winner a dream trip for many – a trip to Maui.  The winner of the Grand Wailea “Grand Refresh” sweepstakes gets a free trip to Maui for four people, including airfare, hotel, nightly dinners and more. The Grand Prize consists of: Four (4) nights for four (4) in a newly renovated Grand Wailea room (valued at $2,196 USD) Airfare for four (4) people to Hawaii (valued at $3,200 USD) Transportation to and from Maui Airport (valued at $120 USD) Dinner nightly for four (4) at any Grand Wailea restaurant (valued at $1,200 USD)…
  • Free Entrance to All U.S. National Parks This Weekend for National Park Week

    The Travel Sisters
    15 Apr 2015 | 2:55 pm
    Still deciding where to travel this weekend? This Saturday and Sunday (April 18-19) entrance to all U.S. national parks will be free as it is the opening weekend of National Park Week. For more information on National Park Week, the National Park Service website has more information on events as does nationalparks.org. Normally 127 of the 407 U.S. national parks charge an entrance free.  However, there are a few days a year where all the national parks offer free entry – including two days this weekend.  Here is the list of national parks that are waiving the entrance fee. The rest…
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    Advantage CCS » Blog

  • The Best Financial Blogs of 2015

    Lauralynn Mangis
    20 Apr 2015 | 7:14 am
    There are so many Financial Blogs out there today. It seems like every day a few more pop up out of nowhere. So, how do you know which blogs to... The post The Best Financial Blogs of 2015 appeared first on Advantage CCS.
  • Everything You’ve Ever Wanted To Know About Credit Counseling

    Lauralynn Mangis
    8 Apr 2015 | 11:49 am
    We had a goal for the first half of 2015. That goal was to become as transparent and informative as we possibly could. We want to be a thought-leader in... The post Everything You’ve Ever Wanted To Know About Credit Counseling appeared first on Advantage CCS.
  • 7 Expenses to Cut from your Budget

    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.
  • 8 Vehicle Maintenance Tips to Save You Money

    Lauralynn Mangis
    13 Mar 2015 | 6:30 am
    This is the time of year when keeping up with vehicle maintenance becomes so important. As the snow and ice begin to melt the roads are littered with huge pot-holes.... The post 8 Vehicle Maintenance Tips to Save You Money appeared first on Advantage CCS.
  • It’s Time to Spring Clean your Finances!

    Lauralynn Mangis
    5 Mar 2015 | 12:03 pm
    It’s almost here!!! I’m talking about the wonderful season called Spring, of course. With this season comes a new hope, new life, rejuvenation, and everything feels renewed. Many people start... The post It’s Time to Spring Clean your Finances! appeared first on Advantage CCS.
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    Inspiration and Marketing Strategies for Entrepreneurs

  • Marketing Strategies – Survive or Thrive in Your Business?

    Tammy Hawk-Bridges
    2 Apr 2015 | 6:14 am
    Very often I will get asked by a business owner, “How can my business survive in today’s marketplace?” My heart breaks a little when I hear the question, I find it painful that one has the goal of merely surviving. I want every business owner to have the goal of thriving. It’s possible! You’ll first need to understand why the marketplace is so tough, then its matter of coming up with a marketing strategy and plan of attack. Let’s determine the reasoning behind the more difficult economy. First, it’s important to understand that most everything that…
  • How to Use Presentation Platforms to Increase Website Traffic

    Tammy Hawk-Bridges
    25 Feb 2015 | 8:37 am
    Let’s face it, coming up with a social media marketing strategy is overwhelming. There’s so many moving parts, you probably don’t know how to use it or more importantly why to use it. First, let’s talk about what a social media strategy should be about – it’s about growing your followers AND driving traffic to your website. Social media platforms are amazing for increasing website traffic. Post Google updates (Penguin, Hummingbird etc.) organic traffic (Traffic that comes from the result of people typing into the search engine a certain phrase or keyword…
  • Have a Small Business Idea? Here’s Some Considerations

    Tammy Hawk-Bridges
    19 Feb 2015 | 6:38 am
    One of the worst things you can do? Create a business with absolutely no foundation other than it seems like a cool idea. When I left corporate America and entered into the world of entrepreneurship I thought that being a smart business woman gave me a leg up. Boy, was I stupid! I had a very cool idea, all my friends and family said so! But I did no research on my market. I didn’t know who my buyer was, and what’s worse I couldn’t reach enough of them to support my business. So guess what? 13 months, tons of lost time, tons of lost money, lots of tears later – big…
  • Marketing is a Verb – That Means Action

    Tammy Hawk-Bridges
    11 Feb 2015 | 7:05 pm
    If you want to grow your reach and make more money in your business the process by which you make that happen is called marketing. 1 million new micro businesses start up every year (A micro business is made up of 1 or 2 people.). 80% of those 1 million businesses won’t break 50K in annual revenue (Notice I didn’t say profit- I said revenue). Why? There are lots of reasons but in many cases marketing is the missing piece. They’re too small minded about their business. (Sorry, I’m not trying to be mean here, just honest :-).) Small Mind = Small Profits Most people will get…
  • Entrepreneur Education – Declutter To Make More Money in Your Business

    Tammy Hawk-Bridges
    5 Feb 2015 | 7:14 am
    You know what’s really cool about what I do? I get to tell people how to make more money. If they have a valid business idea, I can tell them how to build a process to bridge the gaps and be more profitable. Given the right person that’s willing to roll up their sleeves and get really serious, I can succeed every time. However, one of the things I learned first as a sales trainer back in my corporate days that still holds true today in my life as an entrepreneur mentor is that people who are messy and unorganized will struggle. You cannot build profitability in chaos. When I was a…
 
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    GeorgetteMillerLaw.com

  • Does bankruptcy affect a persons 401K as well?

    Georgette Miller
    27 Apr 2015 | 7:00 am
    It takes years of hard work to establish a nice home to raise a family, but you risk losing the security of your nest egg if forced to file for bankruptcy. A 401K is one of the smartest ways for any working adult to ensure that they are not left completely empty-handed if financial circumstances become hopeless. Whether you file Chapter 7 or Chapter 13, rest assured that it is not going to affect any untouched 401K money. The only time a creditor can seize money from this account is if you make any type of withdrawal before filing … Read the rest The post Does bankruptcy affect a…
  • Can I keep my car if I file bankruptcy?

    Georgette Miller
    24 Apr 2015 | 7:00 am
    Entering Chapter 7 Bankruptcy where your valuable assets are seized to satisfy debts is a trying time in any adult’s life. Not only do you risk losing property that you worked hard to obtain, it is possible to endure greater hardships losing the vehicle you use to commute to work and other locations. Although lenders are not allowed to continue making contact once the bankruptcy becomes active, it is possible to have your car repossessed if they obtain proper court permission. The creation of an automatic stay puts a stop to collection calls and property seizure, but only temporarily.
  • What are the most common types of mortgage loans?

    Georgette Miller
    20 Apr 2015 | 7:00 am
    Prospective homeowners are faced with an overwhelming amount of different loans provided by lenders trying to snag new business. Regardless of the often outlandish advertisements, choosing the wrong loan is a shortcut on the fast track to overwhelming debt. Consider the opportunity to familiarize yourself with different types of loans a necessity in the process of finding which one is perfect for you. Fixed Rate Mortgages One of the most traditional loan types provides a fixed monthly rate that is guaranteed to remain the same throughout the entire duration of a home loan. Terms range from 10…
  • Can I Eliminate Homeowner’s Association (HOA) Dues In A Chapter 7 Bankruptcy?

    Georgette Miller
    17 Apr 2015 | 7:00 am
    The money that you owe to the homeowner’s association is not necessarily wiped out if you file for Chapter 7 bankruptcy. If you choose to remain living in the home, you can expect to have no other option than to continue making payments to the HOA as normal. On the other hand, surrendering the property does not always guarantee total freedom from fees. Every situation is unique and it’s necessary to evaluate your personal circumstances to figure out which solution works best. Keeping Your Home When giving up certain assets during a bankruptcy filing, it is not necessarily true…
  • What Recovery? Nearly 11% of U.S. Homeowners Are Still Underwater

    Georgette Miller
    13 Apr 2015 | 7:00 am
    If you read watch the news, you’ve heard about the recovering housing market—prices are up, inventory is low, mortgage interest rates are below 4%, and more people have jobs. Hooray, housing is no longer dragging the economy down the drain. Yet, more than 10% of homeowners are still underwater. To be exact, 5.4 million, or 10.8% of all mortgaged properties, had negative equity in the fourth quarter of 2014, according to a new report from CoreLogic, a California-based data provider. Negative equity means homeowners owe more than their home is worth. What causes negative equity? Some…
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    Sanjay Matai, The Wealth Architects

  • Is your insurer resolving complaints within this time-frame?

    Sanjay Matai
    26 Apr 2015 | 10:24 pm
    Don't let the insurance companies take you for granted.In order to protect the interests of policyholders, IRDA has made it mandatory for all insurance companies to have a "speedy and effective" grievance redressal system in place.In this regards, it has issued guidelines specifying the time-frame that the insurers must adhere to, on receipt of any complaint from a policyholder.Please be aware of these guidelines and ensure that your problems are resolved... to your satisfaction... within the stipulated time-frames. For your quick and easy perusal, a brief overview of…
  • Should I borrow Rs.5 lakhs with salary Rs.50K p.m.?

    Sanjay Matai
    23 Apr 2015 | 10:33 pm
    Last week I received a query from one of my blog subscribers.Rohit was planning to buy a new car. The on-road cost was working out to about Rs.6.50 lakhs. His idea was to pay Rs.1.50 lakhs as down-payment from his annual bonus and finance the balance Rs.5 lakhs through a car loan.With a total salary of around Rs.50,000 per month, Rohit was wondering whether borrowing Rs.5 lakhs for the car was Ok or not.To arrive at the correct answer, let us analyze the impact of this loan on Rohit's day-to-day finances.The bank was offering the car loan to Rohit on the following terms:Amount…
  • File income tax returns this year with a helmet on

    Sanjay Matai
    21 Apr 2015 | 10:02 pm
    Contrary to many promises and huge expectations, the Modi Govt. is proving to be far worse than the previous Govt., at least as far as the tax terrorism is concerned.You will be absolutely shocked to see the latest Income Tax Returns Forms issued by the IT Department for the Assessment Year 2015-16.The days of 'Saral' anyway ended during the UPA 2 regime. But the new IT Return Forms make life really hell for the 'ordinary and honest' taxpayers. For those who know how to 'dodge' the taxes, such 'forms' are hardly a threat.So what new terrors does the new IT Return Form…
  • Are you buying equity shares using rear-view mirror?

    Sanjay Matai
    19 Apr 2015 | 10:35 pm
    Unless you are on a suicide-cum-murder mission, you won't drive your car looking through the rear-view mirror.Rather, your attention would be focussed beyond the windshield, on what lies ahead of you. Thus you would speed up, slow down or manoeuvre your car depending on the traffic situation in front of you.Unfortunately, most people don't apply the same logic when investing in equity.Many years of historical evidence proves this point.When the stock markets are in the middle of a bloodbath and share prices are collapsing every minute, you would rarely find a soul talking about buying shares.
  • Non-callable Bank Fixed Deposits to make a debut

    Sanjay Matai
    16 Apr 2015 | 10:26 pm
    As you may recollect, in my blog post 'RBI's 6th bi-monthly monetary policy is a pleasant surprise' I had mentioned that RBI is planning to soon announce the guidelines for banks to issue a new type of Fixed Deposit.At present, individuals and HUFs depositing up to Rs.1 crore are allowed early encashment i.e. callable deposits.The new fixed deposits — known as non-callable deposits — would be the ones where premature withdrawal would not be permitted.Thus, banks will henceforth have the choice to offer different interest rates for deposits that come with premature withdrawal facility and…
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    The Skint Dad Blog

  • 4 Ways to Stop Overpaying For Your Mobile Phone

    Skint Dad
    20 Apr 2015 | 4:21 pm
    Your mobile phone can be pretty expensive unless you make sure you are getting the best deal and check that you are not overspending on your current bill. Mobile phones and contracts can be costly but they are one of the things in modern society that aren’t considered a luxury anymore. I’ve really been having a […] The post 4 Ways to Stop Overpaying For Your Mobile Phone appeared first on The Skint Dad Blog.
  • 7 Simple Ways to Spring Clean Your Finances

    Skint Dad
    12 Apr 2015 | 11:46 am
    You can spring clean your finances at any point but, with the new financial year upon us, now is a better time than ever to get those finances in order. Spring has sprung! The weather has become warmer, the nights are longer and it’s time to get the windows open and get some fresh air back […] The post 7 Simple Ways to Spring Clean Your Finances appeared first on The Skint Dad Blog.
  • A Guide To Cheap Odeon Cinema Tickets

    Skint Dad
    10 Apr 2015 | 8:00 am
    Finding cheap Odeon cinema tickets isn’t easy, unless you know where to look. From special offers, deals and promotions, I’ve found cinema tickets for less. Going to the cinema used to be a regular treat for my family but with cinema ticket prices getting more expensive, going to our local Odeon cinema is becoming something that […] The post A Guide To Cheap Odeon Cinema Tickets appeared first on The Skint Dad Blog.
  • Child Trust Fund Changes – Transfer to a Junior ISA?

    Skint Dad
    8 Apr 2015 | 2:15 am
    The new tax year sees changes how savings work for children. The Child Trust Fund can now be transferred to a Junior ISA with more choices and potentially more interest. Our 10 year old daughter, Daniella, is of the age to have been given a Child Trust Fund from the government. She was one of the […] The post Child Trust Fund Changes – Transfer to a Junior ISA? appeared first on The Skint Dad Blog.
  • Microwave Chocolate Mug Cake Recipe

    Skint Mum
    7 Apr 2015 | 3:30 am
    Although I’ve had a microwave pretty much all my adult life (and to be honest I can’t remember a time as a child when I didn’t have one) I’ve never used it for more than reheating leftovers, warming through a mug of milk or making popcorn. It’s just one of those things that households have. […] The post Microwave Chocolate Mug Cake Recipe appeared first on The Skint Dad Blog.
 
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    Pinching Pennies

  • 5 Reasons Why Your Blog Won’t Make You Money (And What You Can Do About It)

    Pinching Pennies
    19 Apr 2015 | 4:01 pm
        Are you stressed that your blog is not generating revenue? There are many people who earn a steady income by blogging. There are others who blog but don’t earn a penny. So what are the reasons why your blog isn’t making money yet?   Problem 1: There are too many adverts on your blog While advertising is a key factor in revenue generation, you must take not to step over the line into the ‘overkill’ territory. If your blog is overloaded with adverts, there will be hardly any visibility for your actual content. Solution: You can have advertising on your blog…
  • 5 Ways to Earn Money Online

    Pinching Pennies
    12 Apr 2015 | 4:01 pm
      The internet is a proverbial cash cow for those with enterprise. You can use it from your home or from anywhere for that matter and can cater to customers who live far away from your geographical zone. In addition, with plenty of reputed online monetary services, you do not have to worry about collecting payment either. Moreover, with the advance in cyber technology, internet services cost a nominal sum of money so you don’t have to be nervous of investing a lot of capital. Of course, as with other business, how much you make will depend on the hours and effort that you are willing…
  • 5 Low-Risk Ways to Earn Extra Income Fast

    Pinching Pennies
    5 Apr 2015 | 4:01 pm
      When your overall income exceeds your monthly expenses, there is a stronger likelihood of attaining financial freedom sooner. However, the road to financial independence is not always a straight line. If you wish to earn an income quickly, then it’s better to develop multiple streams for improved cash flow. How can you earn an extra income quickly?   1. Sell services online The internet is a great place to earn passive income. You can consider selling your services which could include video editing, providing flyer/brochure designs or providing content for websites. The…
  • Struggling to Interpret Investing Jargon? List of Important Investing Terms Explained

    Pinching Pennies
    29 Mar 2015 | 4:01 pm
        If you are at a linguistic disadvantage when it comes to investing, the first key step involves understanding the jargon. This will help you select the investments suitable to your requirement and you will understand exactly what the investment entails. Here are some commonly used investing terms explained in simpler language: Stock: A share of a company Share value: Value of company shares is calculated by totalling the assets of the company and dividing the figure by the number of shareholders. OEIC/Unit Funds: These are also called open ended funds where your money is…
  • Why Renting Won’t Help You Get Rich

    Pinching Pennies
    26 Mar 2015 | 5:01 pm
        Most of us rent accommodation because we need a place to live. The other option involves buying property. At some point, all of us weigh the pros and cons of renting a home. Understanding the pitfalls of renting helps you make an informed decision regarding your finances. Most finance experts suggest that buying a home is about 45% cheaper than renting one in the long run. Here are some reasons you won’t get rich by renting:   Lack of Stability Tenants may be (and often are) asked to leave by the landlord because they are unable to afford raised rental payments. The…
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    ReadyForZero Blog

  • On This Day: The U.S. Offers $50,000 to Communist Pilots

    Felicity Nie
    27 Apr 2015 | 7:00 am
    On April 27, 1953, the United States offered $50,000 and political asylum to any Communist pilot who could deliver them a Soviet MiG-15 jet fighter aircraft. The first pilot to defect to the U.S. with their MiG-15 would be awarded $100,000. ($880,000 today!) Dubbed Operation Moolah, the plan was initiated during the Korean War as an attempt to acquire and study the MiG-15 that reportedly outperformed any U.S. Air Force fighter jet. The U.S. knew little about the technical aspects and flight performance of the Soviet high-altitude interceptor. The U.S. Joint Chiefs of Staff approved Operation…
  • Founder’s Story with Michael Carvin of SmartAsset

    Kevin Yu
    24 Apr 2015 | 8:00 am
    Michael Carvin is the CEO of SmartAsset, the web’s best answers to commonly asked personal finance questions (for free). Through a combination of proprietary software and data, SmartAsset is able to provide automated, and deeply personalized advice on home ownership, retirement and life insurance, among many other topics. The company is based in New York City, and is backed by investors including Y Combinator, Javelin Venture Partners, North Bridge Venture Partners, Quotidian Ventures, Peterson Ventures and more. RFZ: Can you tell us a little background about how you decided to start…
  • Get Fit Without Spending a Dime

    Felicity Nie
    23 Apr 2015 | 8:30 am
    With summer just around the corner, we’re all ready to look and feel our best. Your friends might want you to join their $20/session yoga or spin studio, or maybe you’re thinking of hiring a $70/hour trainer or joining a gym for $50/month with a $100 sign-up fee. All of these costs add up, and if you didn’t budget for them, then “getting fit” ends up adding financial stress to your life and possibly driving you deeper into debt. But don’t let money be an excuse for not looking and feeling your best on the beach this summer. If you change the way you think about fitness, do…