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Get Rich Slowly

  • newMy year-long quest to create a guide to mastering money
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money, where he recently wrote about how to be happy. “How would you like to write an Unconventional Guide?” my fr…
    - 14 hours ago, 17 Apr 14, 6:23am -
  • Giving makes us happier, but what if you don’t have much to give?
    This article is by staff writer Kristin Wong. Maybe it’s because I’m getting older, or maybe it’s that I’m in a better financial place than I was just a few years ago, but lately, I’ve been thinking a lot more about giving back. In recent y…
    - 2 days ago, 16 Apr 14, 5:00am -
  • 8 years of Get Rich Slowly
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. Eight years ago today, I started a new blog. Inspired by the success of a popular post at my personal site, I s…
    - 3 days ago, 15 Apr 14, 5:00am -
  • Foreclosure from the tenant’s perspective: Honey’s story

    - 4 days ago, 14 Apr 14, 5:00am -
  • Another visit with the real Millionaire Next Door
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money, where he recently wrote about how to be happy. It was sunny last Friday afternoon, so I decided to go for a rid…
    - 5 days ago, 13 Apr 14, 5:00am -

The Simple Dollar

  • newCan “Churning” Credit Cards Really Work?
    There are a lot of credit card offers out there that reward you for signing up by giving you a bunch of frequent flyer miles, hotel discounts, or big gift certificates. If you weren’t particularly worried about your credit in the short term, wouldn…
    - 6 hours ago, 17 Apr 14, 2:00pm -
  • newReader Mailbag: Helicoptering
    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. New company 401(k) question 2. Freezing in plastic 3. Eating cheap on road…
    - 12 hours ago, 17 Apr 14, 8:00am -
  • The Pasta Sauce Conundrum
    Two or three times a month, my family enjoys an evening meal that features pasta of some kind. We might enjoy spaghetti or lasagna or something else, depending on the mood. However, when I go to the store to buy pasta sauce, I absolutely cringe at th…
    - 1 day ago, 16 Apr 14, 2:00pm -
  • The Simple Dollar Weekly Roundup: Take Action Edition
    A friend recently pointed me to the research work of Jennifer Aaker, a researcher at the Stanford Graduate School of Business. From the article: “The results show that acts designed to improve the well-being of others will lead to greater happiness…
    - 2 days ago, 16 Apr 14, 8:00am -
  • Five Simple Things to Prepare Right Now for Your Estate
    This article first appeared at U.S. News and World Report Money. Everyone knows about the big things that people should prepare for their loved ones in the event of their untimely passing. A will. Life insurance. A living trust. Those are the big thi…
    - 2 days ago, 15 Apr 14, 2:00pm -

Consumerism Commentary

  • Want to Fail? Ignore Survivorship Bias.
    Whether you’re making a decision that has apparent, immediate consequences that could affect the rest of your life, like deciding to quit your job and open a business, or making a purchasing decision big or small, it is worthwhile to gather informa…
    - 1 day ago, 16 Apr 14, 12:55pm -
  • Home Grocery Delivery: Peapod vs. FreshDirect
    Although I don’t take advantage of this type of service every time I need to go food shopping, grocery delivery is one luxury I enjoy about once a month. I’ve been a customer of Peapod for about eighteen months. Peapod is a company associated wit…
    - 8 days ago, 9 Apr 14, 1:54pm -
  • The Only Way Buying As Much House As Possible Is Smart
    Once again, I’m finding myself nearing the end of my one-year lease with the need to make a decision about my living situation. I moved to my current apartment in the summer of 2007, at a time when I had been more comfortable living off some of the…
    - 9 days ago, 8 Apr 14, 10:07am -
  • Psychological Advantages of the Debt Avalanche
    The realist in me recognizes that the best plan for getting out of debt is any plan that allows someone to achieve that goal. The realist is constantly at odds with the optimist in me, the part of me that wants people to be high achievers, to strive…
    - 15 days ago, 2 Apr 14, 12:36pm -
  • Buying and Selling Stocks Is Often a Losing Strategy
    After three months, my $1,000 investment portfolio, nicknamed “Feemaggeddon,” is lagging. This portfolio is part of an investing challenge, the “Grow Your Dough Throwdown.” It’s a lighthearted competition featuring several top financial blo…
    - 16 days ago, 1 Apr 14, 2:25pm -

Free Money Finance

  • Are You in Your Dream Job?
    A reader wrote the following comment to Money magazine in its April issue: One of the facts and figures packed into your March issue stood out: the Money Poll item that 14% of people are in their dream career. So...
    - 2 days ago, 16 Apr 14, 3:29am -
  • Share Your Financial Experiences with FMF Readers
    I love sharing stories from people who are working through financial issues, have made significant financial progress in their lives, or just need a bit of advice. And FMF readers like these as well, as evidenced by the comments I...
    - 3 days ago, 15 Apr 14, 3:29am -
  • A Simple Portfolio of Three Funds
    MSN Money lists a simple portfolio of three funds as follows: Some experts are pushing a back-to-basics approach to investing. As drastic as it may sound, they say it's possible -- even at times desirable -- to construct a very...
    - 4 days ago, 14 Apr 14, 3:29am -
  • Is Social Security Stealing Your Chance Of Being A Millionaire?
    The following is a guest post from Marotta Wealth Management. I have edited it a bit to tone down the political rhetoric and just focus on the facts. I've previously brought up the issue that I wish I had been...
    - 7 days ago, 11 Apr 14, 3:29am -
  • The Conversation About College is Turning in the Right Direction
    This piece from the Wall Street Journal is one of the first I've seen from a mainstream media outlet that really digs deep into the cost/benefit considerations associated with going to college. Just a decade or so ago most media...
    - 9 days ago, 9 Apr 14, 3:29am -

Wise Bread

  • new9 Cool Things You Didn't Know Skype Can Do
    Sponsored by Skype — Use Skype Credit to call mobiles and landlines home and abroad at low rates.Skype is famous for free instant messaging and online voice calls, and I love using Skype…
    - 15 hours ago, 17 Apr 14, 5:00am -
  • newDo This One Thing a Day to Defeat Clutter Forever
    The problem with most advice on clearing clutter is that it runs on the assumption that people actually have enough storage space in their homes. I am 100% sure that anyone who saves closet sp…
    - 17 hours ago, 17 Apr 14, 3:36am -
  • new4 Secrets to Getting the Lowest Rate From Travel Websites
    Personalization is the next big thing in tech. Google customizes your search results when you're logged in to your Google account. And if you often see the same ads on multiple websites, it's…
    - 17 hours ago, 17 Apr 14, 3:24am -
  • newBest Money Tips: Ways to Live a Life With No Regrets
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on living a life with no regrets, cutting your own hair, and tasks you shouldn't put on the backburner.To…
    - 17 hours ago, 17 Apr 14, 3:00am -
  • new20 Snacks That Will Keep You Energized Through the Day
    Looking to bust through the afternoon lull? A snack can be a fantastic energy boost, but try your best to avoid those vending machines. Sure that tasty candy bar might give you a temporary hig…
    - 17 hours ago, 17 Apr 14, 2:48am -

Planting Money Seeds

  • Is Your Home Business Idea Marketable?
    Your home business isn’t going anywhere — unless you build your foundation on a marketable idea. Many of us dream about starting home businesses. If you decide that you want to ditch the 9-to-5 and enjoy a new “career” as a home business owne…
    - 2 days ago, 16 Apr 14, 6:24am -
  • Forget Credit Card Debt: Americans are Worried about Medical Bills
    Medical bills are among the biggest financial worries for many Americans. Credit card debt doesn’t even factor in the top four. As a personal finance writer, I read a lot about credit card debt, and I wait for the latest figures from the Federal Re…
    - 4 days ago, 14 Apr 14, 6:08am -
  • Managing the Bull: Investing Your Money — And Investing In Yourself
    Learn about investing your money and investing in yourself with the help of Managing the Bull by David Christianson. A good investment isn’t always easy to identify — especially if you are looking for an investment that will benefit your finances…
    - 7 days ago, 11 Apr 14, 5:41am -
  • How to Transform Your Messy Home Office Into a Business Environment
    Your home office should convey a certain level of professionalism, even if you don’t normally get dressed for work. One of the perks of running a home business is that you have flexibility when it comes to what you where and how you present yoursel…
    - 9 days ago, 9 Apr 14, 5:58am -
  • Protect Your Assets with the Right Insurance Coverage
    Many people see insurance as a rip off. But the right insurance coverage might come in handy when you need it. Last week, I enjoyed a rather nice spring break vacation in Arizona and San Diego. One of the highlights of the week was a trip out to a re…
    - 11 days ago, 7 Apr 14, 5:36am -

Moolanomy

  • 5% Cash Back Credit Cards, April 2014 Promotion Calendar
    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:…
    - 17 days ago, 1 Apr 14, 7:00am -
  • Top 10 Tax Deductions for Rental Property Owners
    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 Bui…
    - 75 days ago, 2 Feb 14, 6:00am -
  • Quarterly Estimated Tax Payments Due Dates for 2013-2014
    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 Y…
    - 2 Jan 14, 7:30pm -
  • Best Banks with the Highest Interest Rate for Savings Account
    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 A…
    - 2 Jan 14, 7:00pm -
  • How Big Should an Emergency Fund Be?
    No matter how much solid financial planning we put in, life cannot be reduced down to complete predictability. Indeed, there are always unexpected expenses, large and small, that can crop up. And, you never know when […]Read Another Article:Star…
    - 17 Dec 13, 6:00am -

Bargaineering

  • Do loyal customers really get treated better?
    Kristin WongWhether it’s through rewards programs or special invites, companies often tout an appreciation for customer loyalty. Yet, every few months, I find myself challenging my Internet service provider over a “promotional offer” that has e…
    - 4 days ago, 14 Apr 14, 4:00am -
  • Blindly chasing any and every job isn’t a smart way to launch your career…Here’s how to do better
    Alissa FleckI think we can all agree that time = money. But, when it comes to job hunting, that may not be the only equation worth considering. I’m in my mid-twenties, and since graduating college, I have always been told to apply for jobs, as many…
    - 11 days ago, 7 Apr 14, 12:00am -
  • Boss ripping you off? Here’s what to do about it
    Kristin WongEarlier this year, beloved celebrity chef Mario Batali agreed to settle a lawsuit brought by his employees for $5.25 million. Their claim? Batali’s restaurants were allegedly confiscating tips from workers to increase profits. Maybe it…
    - 18 days ago, 31 Mar 14, 12:00am -
  • Student raises $1,000 to take burrito skydiving
    Kristin WongA design student from Chicago recently launched a fairly ridiculous Kickstarter campaign: He wanted to buy a burrito and graph its “deliciousness.” With an original funding goal of $8, Noboru Bitoy has blown that target out of the wat…
    - 25 days ago, 24 Mar 14, 4:00am -
  • Always buy the biggest pizza…That’s why God created freezers…And big ziplock bags
    Mitch StrohmWe suspect you don’t really need another reason to buy a bigger pizza. But if you do, here’s a great one: You’ll get more pizza for your money if you go with the larger pie. Quoctrung Bui of Planet Money recently studied this after…
    - 32 days ago, 17 Mar 14, 4:00am -

Five Cent Nickel

  • How your life is changing in a Heartbleed
    No, that’s not a typo. If you haven’t heard of “Heartbleed” yet, listen up. Events that radically change our lives don’t come along that often. The 9/11 attacks changed not only how we travel, but how we think and act when we go out. Having…
    - 2 days ago, 16 Apr 14, 2:00am -
  • Parents’ attitudes toward money and kids
    As parents, we pick up a fair amount of information from other parents. There’s some good advice, some bad advice, and then there are opinion surveys. Even though I tend to second-guess the way some of the questions are phrased, I like opinion sur…
    - 4 days ago, 14 Apr 14, 2:00am -
  • 10 Questions for … a Business Coach
    This post comes from Jessica Henderson at our partner site LearnVest. Never miss a new episode of Shark Tank? Invented a revolutionary evaporating kitty litter that you’re itching to debut to the world? You’re not alone. Every month, some 543,000…
    - 7 days ago, 11 Apr 14, 2:00am -
  • Worst-case-scenario playbook
    This is the time of year when I annually confer with my financial adviser. As I drove to meet him in his office a couple weeks ago, I had reason to expect we’d both be in jovial moods. The stock market’s performance over the past year has been st…
    - 9 days ago, 9 Apr 14, 2:00am -
  • How to rear money-smart kids
    The Consumer Financial Protection Bureau estimated, in 2013, that outstanding student loans have swelled to over $1.2 trillion. Seven in ten college seniors who graduated in 2012 had student loan debt, at an average of $29,400. Scary! It is extremel…
    - 11 days ago, 7 Apr 14, 2:00am -

MintLife

  • newHow to Make Smart Wardrobe Purchases That Will Last (infographic)
    According to the Bureau of Economic Analysis, the average American spends over $1400 on buying clothes and related items per year and it’s been estimated that most people only wear 20% of the clothing they own. Want to look great, keep the closet…
    - 8 hours ago, 17 Apr 14, 12:30pm -
  • new5 Easter Budgeting No-No’s
    Whether you’re religious or not, Easter can be an incredibly fun time of year — delicious candy, beautiful eggs, fluffy bunnies, and pastel everything. But if you’re not careful, it can also be an expensive time of year. A lot of things that pe…
    - 11 hours ago, 17 Apr 14, 9:30am -
  • Real Estate Q&A: Mortgage Rate Buydowns and Parent-to-Child Property Transfers
    Zillow real estate investment writer and long-term investor Leonard Baron, MBA, is answering questions from MintLife readers. If you have a question about investment properties, cash flows, insurance, mortgage financing, homeowners associations, rent…
    - 1 day ago, 16 Apr 14, 12:30pm -
  • DIY Easter Treats for Everybunny’s Basket
    Filling up your child’s Easter basket can be an expensive endeavor. Americans will spend $2.2 billion on chocolate bunnies, jelly beans and other East candy this year, according to the National Retail Federation. If you’re in the market for somet…
    - 1 day ago, 16 Apr 14, 11:30am -
  • MintFamily With Beth Kobliner: Financial Literacy for the Entire Family — Money Skills for Toddlers and Teens
    April is Financial Literacy Month, which provides us with an opportunity to reflect on where we are as a country and where we hope to go when it comes to teaching kids about money. This year I’m especially excited because our new President’s Advi…
    - 2 days ago, 15 Apr 14, 2:10pm -

StupidCents

  • Income Property vs. Residential Property
    Too often, we hear about the “investment” that it is to buy a home. Try to find a home with the help of a real estate agent, and you will immediately be told that your home purchase is an investment. However, residential real estate, bought with…
    - 45 days ago, 4 Mar 14, 4:00am -
  • What are the Best Careers for the Future?
    What careers are likely to provide you with a little job stability, as well as decent pay? If you are looking to the future, you want a job that you know will be around. The good news is that there are a number of best careers for the future for you…
    - 50 days ago, 27 Feb 14, 4:00am -
  • Watch Out for the Income Effect
    Most of us like the idea of earning more money. Have a greater income is often, in the eyes of many, the solution to most problems. However, if you aren’t careful, that increased revenue can result in the income effect, which could prevent you from…
    - 59 days ago, 18 Feb 14, 4:00am -
  • Different Ways to Save Money on Your Wedding
    There are many ways to plan a wedding on a budget. I made a post recently about that, but what if you are looking for even more ways to save money with your wedding? We are now deep into our wedding planning, with just a couple months to go. Our budg…
    - 66 days ago, 11 Feb 14, 4:00am -
  • Do You Know What Tax Bracket You’re In?
    One of the sureties of life is that you need to pay taxes. One of the questions that many people ask is what tax bracket they are in. Do you know what tax bracket you’re in? And are you aware of how the tax bracket system works? Here is a quick ove…
    - 80 days ago, 28 Jan 14, 4:00am -

The Consumerist

  • newMy Taxes Are Done. What Can I Throw Out Now?
    Unless you filed for an extension, your tax return is now done and posted through the mail or beamed through the Interweb to the IRS and your state government, if required. That’s a relief. Now, what items in your files should you keep, and which c…
    - 5 hours ago, 17 Apr 14, 3:13pm -
  • newVolkswagen Recalls 26,000 New Vehicles Because Bursting Into Flames Is Not Cool
    Brand new isn’t always better. That certainly seems to be the case with more than 26,000 new Volkswagen vehicles being recalled. Volkswagen is recalling 26,452 vehicles because of an issue that could result in a fire, Detroit News reports. The re…
    - 5 hours ago, 17 Apr 14, 2:58pm -
  • newMake Your Own Peanut Butter Eggs At Home
    The Reese’s seasonal peanut butter cup empire is now a year-round operation with hearts, pumpkins, and even footballs, but it all began with the humble peanut butter egg. What you might not know is that you can make this confection in your very own…
    - 6 hours ago, 17 Apr 14, 2:31pm -
  • newLawmakers Don’t Want You Wearing Google Glass Behind The Wheel Anytime Soon
    While it’s true as some say that life is a highway, life shouldn’t be lived through Google Glass when you’re driving, say lawmakers in a smattering of states. Legislators are starting to mull over what will happen when Glass leaves its infancy…
    - 6 hours ago, 17 Apr 14, 2:00pm -
  • newVerizon Brings Fake Grassroots Campaign To New Jersey To Claim Support For Not Bringing Real Broadband
    New Jersey might not be that large a state, but its geography and its dense population make it easy to understand how running a broadband connection to 100% of residents could be a cumbersome and expensive project. So what’s a corporation stuck wit…
    - 6 hours ago, 17 Apr 14, 1:43pm -

Man Vs. Debt

  • The Report from the Three-Year Mark: Joan’s Mid-April Financial Update
    Note: This is a post from Joan Otto, Man Vs. Debt community manager. Read more about Joan. It’s official: I’ve been tracking my debt for exactly three years. While I didn’t post my first financial update on Man Vs. Debt until a year later, I…
    - 4 days ago, 14 Apr 14, 6:00am -
  • Business and Hustling Lessons from the WWE Network
    Note: This is a post from Joan Otto, Man Vs. Debt community manager. Read more about Joan. You guys are going to think I spend my Sunday afternoons watching America’s best not-exactly-a-sport sports, between today’s post and the one from last m…
    - 11 days ago, 7 Apr 14, 6:00am -
  • You Want It. You Buy It. You Forget It.
    Note: This is a post from Joan Otto, Man Vs. Debt community manager. Read more about Joan. Two summers ago, while visiting an art museum in Washington, D.C., we came upon an exhibit in the process of being installed. Huge letters and swaths of red,…
    - 18 days ago, 31 Mar 14, 6:00am -
  • Julian’s Success Story: How Going $42,000 in Debt was the Greatest Decision I’ve Ever Made
    Julian Hayes II is a fitness and lifestyle coach and writer based out of Nashville, Tennessee. He is the creator of 206 Fitness. Why 206? Not only is 206 one of his nicknames, but there are also 206 bones in the body. He believes anyone can achieve t…
    - 25 days ago, 24 Mar 14, 6:00am -
  • The Great Pile of Unread Books
    Note: This is a post from Joan Otto, Man Vs. Debt community manager. Read more about Joan. I love to read. It doesn’t really matter what it is – barring anything else handy, I’d happily read the back of a cereal box at breakfast – but since…
    - 32 days ago, 17 Mar 14, 6:00am -

Frugal Dad

  • newUntitled
    By Megan O’Neil The costs of a cyberattack on the University of Maryland that was made public last month will… READ MOREThe post appeared first on Affordable Schools Online.
    - 17 hours ago, 17 Apr 14, 3:00am -
  • These Libraries Elevate the Studying Experience
    Often times, the library on campus is a dark, windowless building filled with rows of dusty, little-touched books. Quiet, institutional,… READ MOREThe post These Libraries Elevate the Studying Experience appeared first on Affordable Schools Online.
    - 2 days ago, 16 Apr 14, 3:00am -
  • Higher Ed Driven By New Mix of Catalysts
    As the discussions over higher ed in the U.S. grow louder and more multi-faceted, one thing becoming increasingly clear is… READ MOREThe post Higher Ed Driven By New Mix of Catalysts appeared first on Affordable Schools Online.
    - 3 days ago, 15 Apr 14, 3:00am -
  • Finishing College In Three Years Can Save Students Thousands
    In response to growing concern over student debt and rising college expenses — yet under pressure — to maintain academic… READ MOREThe post Finishing College In Three Years Can Save Students Thousands appeared first on Affordable Schools Online…
    - 4 days ago, 14 Apr 14, 3:00am -
  • Student Loans Put Brakes on Economy
    American students are well over $1 trillion in debt, and it’s starting to hurt everyone, economists say. Across the country,… READ MOREThe post Student Loans Put Brakes on Economy appeared first on Affordable Schools Online.
    - 4 days ago, 13 Apr 14, 9:56am -

MoneyNing

  • newThe Surprising Place I Taught My Daughter About Money
    I never would’ve imagined that a simple trip to Target could have evolved into such a great financial learning opportunity for my eleven-year-old daughter. The automatic doors opened before us, my daughter’s purse slung over her shoulder. We head…
    - 14 hours ago, 17 Apr 14, 6:00am -
  • 3 Ways to Catapult Your Career Growth (#1 is My Favorite)
    In today’s economy, finding a good job can be tough — and experiencing career growth can be even tougher. That’s why it’s so important to build your personal brand and bring your A game every day. If you’re tired of your career remaining st…
    - 2 days ago, 16 Apr 14, 6:00am -
  • How Much Do You Need to Save for College?
    My 11-year-old son has started thinking about college. Right now, he claims that he’ll either stay here, and wear the white and blue of the Utah State Aggies, or that he’ll head down south to SUU, in the town he was born — and where his father…
    - 3 days ago, 15 Apr 14, 6:00am -
  • First Baby? Here are 4 Products Worth Splurging On
    The first time I walked into Babies”R”Us when pregnant with my first child, I felt overwhelmed almost to the point of hyperventilating. There were so many products out there — and it felt like every single purchase I made would determine my chi…
    - 4 days ago, 14 Apr 14, 6:00am -
  • Another Giveaway for a Toshiba Chromebook
    The Hotels.com giveaway was so overwhelmingly successful the guys from CouponPal decided to do it all over again. This time they are giving away a Toshiba Chromebook, and we’ve partnered with them one more time to give you a chance to participate i…
    - 4 days ago, 14 Apr 14, 5:13am -

The Digerati Life

  • Steps To Setting Up A Home Based Small Business
    The steps we are showcasing here are not just applicable for an online business but for any small business. What’s the difference between a hobby and a business? The difference is that losses from a business can be deducted on your taxes (schedule…
    - 4 Mar 13, 11:01am -
  • Paying For Life Insurance: How Policies Are Priced
    We compare low cost life insurance vs commission based policies vs those you can buy through fee only insurance agents. Every financial plan should have a risk management or insurance component. Yes, we all know the importance of life and disability…
    - 6 Dec 12, 8:35pm -
  • Use A Debt Consolidation Calculator To Help You Find A Better Loan
    I use a debt consolidation calculator to illustrate how much you can save with the right kind of personal loan. Today, I’ll cover some ideas on how to become debt free faster. If you’re someone with a strong credit rating but with credit card deb…
    - 30 Nov 12, 3:25pm -
  • How One Homeless Person Lives: Coping With Homelessness
    I’ve discussed how to avoid foreclosure and how to avoid bankruptcy in the past, but in some cases, things don’t work out too well, and there are people who end up becoming casualties of the real estate bust, credit crisis and weak job market. Lo…
    - 26 Nov 12, 10:50pm -
  • How To Eat Healthy & Inexpensively
    Everyone wants to eat healthy these days. Your health is priceless! Many claim, however, that it’s impossible to eat healthy on a limited food budget. But I would beg to differ; cheap meal ideas abound, and there are lots of ways to prepare your fo…
    - 19 Nov 12, 2:13pm -

Free From Broke

  • newFour Simple Ways to Cut Household Expenses
    The following was written by none other than personal finance expert Jean Chatzky.  When I got word that she was interested in sharing an article with my readers I screamed (well typed) a big YES in response. I recently wrote a short report — not…
    - 16 hours ago, 17 Apr 14, 4:12am -
  • Free Tax Day Snacks, Giveaways and Deals
    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 b…
    - 2 days ago, 15 Apr 14, 9:56am -
  • To Itemize or Take the Standard Deduction, That is the Question
    When life becomes more complicated, so do your taxes. As you claim dependents, purchase a home, or are involved in a major loss or theft you can claim specific items on your taxes that will reduce your tax burden. Other reasons such as owning your ow…
    - 7 days ago, 10 Apr 14, 8:40am -
  • Where’s My Tax Refund? How to Check the Status of Your Tax Refund
    When you are expecting a tax refund, it is normal to file a little bit early. The very next thing you say once you file is “where’s my refund?”  We can’t wait to get that money owed to us. Indeed, many people have already received their tax…
    - 9 days ago, 9 Apr 14, 6:23am -
  • File Later Or Fix A Mistake? – Extension of Time to File Taxes vs. Amended Tax Return
    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-f…
    - 9 days ago, 8 Apr 14, 10:36am -

All Financial Matters

  • Is the Market Overvalued? Interesting Thoughts from Fortune’s John Cassidy
    I found this tidbit from John Cassidy’s latest column in Fortune to be interesting: “A couple of months ago I mentioned the cyclically adjusted price/earnings (CAPE) ratio, which was flashing amber. Another warning sign is provided by the so-call…
    - 15 days ago, 2 Apr 14, 1:20pm -
  • America’s Future Doom and Gloom or Overblown?
    I have been (slowly) working my way through a book titled “Changing Texas – Implications of Addressing or Ignoring the Texas Challenge.” It’s a pretty dry read. I came across this part that I wanted to share with you [brackets] mine: 1. The U…
    - 34 days ago, 14 Mar 14, 12:51pm -
  • As Goes January…?
    The S&P 500 Index was down 3.46% in January. There’s a saying that goes something like “As goes January…” Well, based on history, that’s not necessarily true. Take a look at the following two graphics. The first one is all the returns (thes…
    - 66 days ago, 10 Feb 14, 8:53am -
  • The Periodic Table of Dow Jones Total Market Index Sector Total Returns (Through 2013)
    Here is a newly-updated Periodic Table of Dow Jones Total Market Index Sector Total Returns:
    - 2 Jan 14, 9:29am -
  • 2013 Total Returns for the S&P 500 and Other Indexes
    2013 Wow! What a year. • The Dow Jones Industrial Average was up 29.65% • The S&P 500 Index was up 32.39% • The S&P MidCap 400 Index was up 33.50% • The S&P SmallCap 600 was 41.31% Of the ten indexes I keep track of here at AFM, 7 were up. Of…
    - 1 Jan 14, 7:30am -

Cash Money Life

  • newCould You Make Money in the “Sharing Economy”?
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Could You Make Money in the “Sharing Economy”?.If you’ve been paying attention to trends in the world of business and finance, you probably kno…
    - 5 hours ago, 17 Apr 14, 3:35pm -
  • What Happens if You Miss the Tax Deadline?
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What Happens if You Miss the Tax Deadline?.Tax Day is right around the corner, and if you have already filed your taxes, that means you can relax –…
    - 3 days ago, 14 Apr 14, 8:14pm -
  • Do You See Your Retirement Contribution as a Loss? Getting Past Roadblocks to Investing
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Do You See Your Retirement Contribution as a Loss? Getting Past Roadblocks to Investing.Not to long ago, I was listening to a discussion on NPR about…
    - 7 days ago, 11 Apr 14, 5:58am -
  • 7 Tips for Investing in Dividend Stocks in Any Market
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 7 Tips for Investing in Dividend Stocks in Any Market.Are you holding off investing because you think the stock market is too high? Have you overpaid…
    - 9 days ago, 9 Apr 14, 5:24am -
  • Investing in Bull Markets is Easy – But What About Bear Markets?
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Investing in Bull Markets is Easy – But What About Bear Markets?.The past five years have been easy ones for investors – bull markets usually are…
    - 10 days ago, 7 Apr 14, 8:38am -

PT Money

  • newShould You Go to College or Start a Business?
    It’s been almost four years since former PayPal Chairman and CEO Peter Thiel started the 20 Under 20 program—the controversial initiative that paid 20 college students up to $100,000 to drop out of school. Basically, Thiel’s initiative hoped to…
    - 9 hours ago, 17 Apr 14, 11:32am -
  • Small Business Finances: The Key Financial Pillars of Building a Start-Up
    Here’s a note from a reader: “…thank you for the information you provided on Entrepreneurship on Fire. I was deeply encouraged and felt led to contact you. I am a 24 year old entrepreneur, economics and finance major, former athlete. Recently I…
    - 3 days ago, 14 Apr 14, 1:58pm -
  • Time Management for Part-Time Entrepreneurs
    Part-time entrepreneurs have the best and worst of both worlds. While they face less financial risk by keeping their full-time jobs while growing their business, they run up against the problem of time management. How do you find the time to grow you…
    - 10 days ago, 7 Apr 14, 10:13am -
  • Hawaiian Airlines Elite World MasterCard Review – 35,000 Bonus Miles
    If I were to ask you to pick one state you would want to vacation in, which would you choose?  Sure, some might say Florida, California, even South Dakota if you’re a “I love monuments” kind of guy; but I think the overwhelming majority would…
    - 16 days ago, 2 Apr 14, 7:00am -
  • Don’t be a Fool: Setup a Fee-Free Financial System
    Did you get fooled this April Fool’s day? If you did, now is your chance to redeem yourself. Today I’m going to show you how to set up a fee-free financial system. Getting dinged with an unexpected fee can make you feel like a fool. And paying fo…
    - 17 days ago, 1 Apr 14, 6:30am -

Clever Dude

  • Loyal3 Investment Update #1
    At the beginning of March, I opened an account with Loyal3 and invested a small amount of money in one of my favorite bar and grill restaurant, Buffalo Wild Wings. I only invested $60, but the point wasn’t to get rich quick. The goal was to simply…
    - 2 days ago, 16 Apr 14, 4:41am -
  • Sampling Grapes In the Produce Section: Smart, or Just Being Cheap?
    Image courtesy of Sura Nualpradid / FreeDigitalPhotos.net Walking through the produce section, I glanced down at my grocery list and saw that grapes were on the list.  I rolled my cart to the cooler section stuffed with separate bags of red and gree…
    - 4 days ago, 14 Apr 14, 4:16am -
  • Clever Posts Of The Week – April 11th
    I completely forgot the significance of the day as it passed, but April 1st was my one year anniversary of writing here at CleverDude! I can’t believe it’s been a whole year already! It’s been a great twelve months sharing my experiences, and i…
    - 7 days ago, 11 Apr 14, 5:39am -
  • An Easy Way To Protect Yourself Against False Vacation Rental Charges
    Image courtesy of Stuart Miles / FreeDigitalPhotos.net “What are you doing?” asked my wife as she noticed me walking around the rental house snapping pictures, “I want to get going!” It was 6am, and we were trying to get on the road to make t…
    - 9 days ago, 9 Apr 14, 7:32am -
  • What Would You Do: Is the Customer Always Right?
    Image courtesy of imagerymajestic / FreeDigitalPhotos.net “The customer is always right,” the saying goes. But is that always true? Consider the following two scenarios, both of which I witnessed while on vacation last week: A customer ordered an…
    - 11 days ago, 7 Apr 14, 5:02am -

Dough Roller

  • new5 Factors to Consider Before Using a HELOC for Your Emergency Fund
    A reader named Brian asks whether it’s a sound move to use a home equity line of credit as an emergency fund: Rob, I enjoy your podcast, and I have great respect for your approach to personal finance. The 31-Day Money Challenge actually had me look…
    - 16 hours ago, 17 Apr 14, 4:00am -
  • Best Interest Rates for April 2014
    Finding the best interest rate is a lot easier today than it was even a few years ago. Here at Dough Roller we track rates on everything from checking and savings accounts to mortgages to CDs. It occurred to me, however, that there was no one single…
    - 1 day ago, 16 Apr 14, 10:00am -
  • DR 054: Motif Investing: Interview with Tuhin Ghosh, Vice President of Investment Products
    A number of new ways to make investing easier have launched over the past few years. One is Motif Investing, which I reviewed some time ago. It’s a fascinating way to approach investing, combining low costs and tremendous flexibility. It such a uni…
    - 2 days ago, 16 Apr 14, 2:00am -
  • Financial Decisions are About More Than Math
    When it come to financial decisions, you can learn a lot from both Captain Kirk and Mr. Spock. What they teach us – together – is that when it comes to financial decisions, you need to go beyond the math. So much of finance involves math, and we…
    - 3 days ago, 15 Apr 14, 4:00am -
  • DR 053: Should You Lease or Buy a Car?
    Recently, a reader named John wrote in asking about leasing vs. buying a car. Here is John’s question: I was wondering what your input is in regard to buying vehicles? For example, I’m in the process right now of selling a vehicle for a good buck…
    - 3 days ago, 14 Apr 14, 1:15pm -

Stop Buying Crap

My Money Blog

  • newCiti® Hilton HHonors™ Visa Signature® Card – Limited Time Offer
    Last update: Offer expires at end of day Friday, 4/18/14. Citi has a new limited-time promotion for its Citi® Hilton HHonors™ Visa Signature® Card. The sign-up bonus has been improved by 10,000 points and a $50 statement credit over their standar…
    - 7 hours ago, 17 Apr 14, 1:07pm -
  • Savings I-Bonds May 2014 Interest Rate Update: 1.83% or Higher
    Since inflation-linked savings bonds (“I bonds”) are based on CPI numbers announced two weeks earlier, we can make predictions about upcoming savings bond rates before their official announcement. This also allows us the opportunity to know exact…
    - 2 days ago, 16 Apr 14, 2:11am -
  • Employer Health Insurance Wellness Programs: Helpful Feature or Profit Center?
    Like many other folks, I have the majority of my health insurance premiums paid by my employer. I appreciate this and value it as part of my “total compensation” (a fact that they keep reminding me about). My employer and health insurance provide…
    - 3 days ago, 15 Apr 14, 2:18am -
  • Target Mobile Coupon Text Codes: $10 off $50 in Food Purchases & More
    Attention Target shoppers… Target is offering some special coupons if you text specific messages to them at 827438 (TARGET). They’ll reply with a link to a unique coupon code that you just show the cashier on your smartphone. This week there is a…
    - 4 days ago, 13 Apr 14, 8:51pm -
  • Daycare Costs vs. In-State College Tuition
    There are many articles about rising college tuitions and how to best save for college. But according a recent study, in 31 states the annual cost of day care for an infant exceeds the average cost of in-state tuition and fees at public colleges. Fro…
    - 7 days ago, 11 Apr 14, 2:20am -

Saving to Invest

No Credit Needed

  • Garden Planning
    It’s almost Spring – which means it’s time for a bit of garden planning. This year, I’m keeping things very, very simple: I am going to plant vegetables that do well in our climate and are relatively easy to care … Continue reading →The p…
    - 57 days ago, 20 Feb 14, 5:30am -
  • How We Started Collecting Coins
    My son and I have recently started collecting coins. Several months ago, my son received an Electronic Piggy Bank: Digital Counting Money Coin Jar with LCD Display as a gift.  After the jar was filled with pennies, he decided that … Continue readi…
    - 59 days ago, 18 Feb 14, 5:45am -
  • 10 Ideas For What To Do With An Income Tax Refund
    I have been working on my taxes and it looks like my wife and I will be getting an income tax refund this year.  That’s good news, because we are in the process of paying off our mortgage and every … Continue reading →The post 10 Ideas For Wha…
    - 60 days ago, 17 Feb 14, 5:45am -
  • Tools That Rock
    I am an amateur wood-worker.  Right now, I am working on a few Christmas gifts for friends and family.  I thought I’d share a few of the tools that rock – and make wood-working fun. Last year, I purchased the … Continue reading →The post To…
    - 14 Dec 13, 6:00pm -
  • How We Paid Off Our Credit Card Debt
    Several years ago, my wife and I paid off our credit card debt.  Here’s how we did it - We changed our spending habits. We stopped using our credit cards and started using the envelope system. We started to have … Continue reading →The post Ho…
    - 14 Dec 13, 6:00am -

My Two Dollars

  • Millions of American Homeowners Could Refinance and Save with HARP
    This post brought to you by Quicken Loans. All opinions are 100% mine. by Clayton Closson. You read that title correctly. An estimated 2.7 million American households could refinance to today’s mortgage rates (which are near historic lows, in case…
    - 12 Jul 13, 10:43am -
  • How I Saved $25/Month With One Call to My Cable Company
    Some people see cable TV as a luxury. Others see it as a waste of money. Like the majority of people, I fall somewhere between the two extremes. Regardless of how you feel about cable TV, you should do whatever it takes to save money on your cable se…
    - 3 Sep 12, 6:10am -
  • 3 Used Car Negotiation Tactics That Can Help You Save
    From a financial perspective, buying a used car as opposed to a brand new car is beneficial in a number of ways. Not only is the asking price lower, but you are in a position to avoid the massive depreciation in value that occurs during the first yea…
    - 23 Jul 12, 7:15pm -
  • The 13 Most Commonly Overlooked Tax Deductions
    With tax time right around the corner, many people are starting to get all their filing information together, such as receipts, donation records, bank statements, and 1099 forms. And while it’s important to make sure you have all the relevant docum…
    - 3 Feb 12, 6:15am -
  • Your Bank Account Full Of Time – How Are You Spending It?
    The other day I came across a saying that made me really give thought to the amount of time I have left in my life and what I want to do with it. Comparing the time I have left to accomplish my goals to the balance in a dwindling bank account made me…
    - 26 Jan 12, 12:46am -

Budgets are $exy

  • newWhen Mixing Passion With Hustling Can Fail
    [We've got a great article today by my boy Zee from Work-to-Not-Work.com. He brings up something good to consider while y'all are out there looking for new side hustles!] Most personal finance sites I read have at least 1 post (or entire sections) ab…
    - 16 hours ago, 17 Apr 14, 3:46am -
  • Sometimes You Gotta Spend Money To Make Money
    One of my favorite sayings is “You gotta spend money to make money.” I don’t know why I like it so much considering it’s not always the case, but I guess the times when it is I just really REALLY love it :) Like, say, contributing to your com…
    - 2 days ago, 16 Apr 14, 3:48am -
  • One-on-One w/ Farnoosh Torabi, Author of the New Book, “When She Makes More” [+ Book Giveaway!]
    Hey guys! Welcome to another One-On-One where I interview some of the coolest people I know :) If you missed any of our last ones on Rob Wilson (Aka Hip-Hop’s Financial Advisor) or Extreme Couponer’s Chrystie Vachon, be sure to check them out whe…
    - 3 days ago, 15 Apr 14, 3:54am -
  • Two Kick-Ass Spending Tips
    I read an awesome article by my man Zee the other day, and I wanted to share it with y’all as well as another one I use myself it reminded me of. So today you get a 2-for-1 special – it’s your lucky day! (Perhaps you should run out and buy a lo…
    - 4 days ago, 14 Apr 14, 3:32am -
  • It’s Yard Sale Season, Bitch!
    That’s what my alarm shouts at me every Saturday morning now to wake my ass up ;) And by “alarm” I mean “my internal bargaineering alarm” since the first rule of The Yard Sale Club is to get out the door early! Followed by the second rule,…
    - 7 days ago, 11 Apr 14, 3:52am -

Smart On Money

  • How To Handle A Canceled Flight
    I‘m getting ready for a few months that include quite a bit of travel. While I don’t usually run into problems when I fly, my husband has had a couple of experiences with canceled flights. Twice he’s experienced flight cancellations in the midw…
    - 16 days ago, 1 Apr 14, 11:18am -
  • Your Grocery Bill Could Rise with Dairy Prices
    Rising dairy prices mean that you pay extra for more than just milk. A good portion of your grocery bill could be going up.The post Your Grocery Bill Could Rise with Dairy Prices appeared first on Smart On Money and was written by Miranda Marquit.C…
    - 28 days ago, 20 Mar 14, 9:52am -
  • Can You Trust Your Tax Preparer?
    My tax preparer is a life saver. Ever since I formed my LLC and began investing, my taxes have been a bit on the complex side. As a result, an accountant prepares my tax returns each year (one for the business, and one for my husband and me, plus our…
    - 34 days ago, 14 Mar 14, 12:25pm -
  • 4 Financial Things to Talk About Before Marriage
    Before you tie the knot, it makes sense to get to know your potential marriage partner. One of the things it helps to know is how your potential partner will deal with finances.The post 4 Financial Things to Talk About Before Marriage appeared first…
    - 73 days ago, 3 Feb 14, 9:06am -
  • Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff
    The problem with co-signed loans is that far too often people don't know what they're signing up for. Here's why co-signing is a bad idea.The post Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff appeared f…
    - 92 days ago, 16 Jan 14, 4:58am -

Financial Samurai

  • The Best Time To Buy Property Is When You Can Afford It
    Now that I’m back in the property hunt, I realize more than ever that the best time to buy property is when you can afford it. Perhaps my belief is not as true for cities that are dying from the inside. But for those people who want to buy property…
    - 2 days ago, 16 Apr 14, 5:25am -
  • When Saving Money Is No Longer Worth Your Time But You Do It Anyway
    After drinking a couple beers with a buddy a couple months ago, I dragged myself across the street to get a flu shot at Walgreens. Supposedly this season was one of the worst, and I had no desire to get swine flu. I hate needles. The insertion isn’…
    - 4 days ago, 14 Apr 14, 5:25am -
  • How Much Do I Have To Make As An Entrepreneur To Replace My Day Job Income?
    Entrepreneurship is great due to the high correlation between effort and success. If you want autonomy and believe you have what it takes to create income out of thin air, go for it! There’s nobody to blame for your failures, just like there’s no…
    - 7 days ago, 11 Apr 14, 4:53am -
  • Pay Down Debt Or Leverage Up To Buy More Property?
    I’ve been dreading this day for the past five years. First Republic Bank sent me a letter in the mail stating that one of my 5-year CDs is coming due and that I have a seven day grace period to withdraw my funds before they renew for another 5-year…
    - 10 days ago, 8 Apr 14, 5:25am -

Fiscal Fizzle

  • Top Auto-Advancements to Consider When Buying a Car
    Whether you’re in the market for a new luxury vehicle or looking to upgrade to a newer, more reliable model, you likely have an idea of what you want in a new ride. From deciding on the color and size of the vehicle to the number of doors and amoun…
    - 15 days ago, 2 Apr 14, 8:30am -
  • Everything You Need to Get the Most out of Your Will
    While no one wants to think about the inevitable, the sad truth about life is that no one can avoid death. While this is a hard pill for many to swallow, it doesn’t mean that you can’t take steps to ease the burden on your loved ones after you’…
    - 17 days ago, 31 Mar 14, 3:50pm -
  • Spring Cleaning for Your Finances
    It’s March, which means that the weather is turning warmer in many parts of the country, and it’s time for some Spring Cleaning in preparation for summer. Like our homes, our finances tend to get bogged down with dirt and clutter, and it’s a go…
    - 36 days ago, 13 Mar 14, 6:41am -
  • 5 Ways to Lose Me as a Customer With Your Website
    It’s 2014, and for many people, your business website is one of the first ways we interact with your brand or service. If your website doesn’t deliver, I consciously (and subconsciously) assume you won’t either. But my customers aren’t the ty…
    - 39 days ago, 9 Mar 14, 12:58pm -
  • Teaching Young Kids About Money: Here’s What I Do
    As a parent of a 4-year-old and a personal finance blogger, people often ask me what kinds of lessons I try to teach my kids about money and whether 4 is just too early to make any kind of meaningful impact on a child’s financial future. I wholehea…
    - 56 days ago, 21 Feb 14, 5:05am -

Len Penzo

  • My Blog Is Back! … But I’ve Still Got Some Work to Do
    Yes, I’m still alive, folks.In case you missed it … my blog ended up crashing on Saturday morning after a major malfunction at my old web host (Yahoo).I won’t bore you with the technical details, but let’s just say Yahoo’s customer servic…
    - 2 days ago, 15 Apr 14, 10:10pm -
  • 100 Words On: Why I Don’t Feel Guilty Getting a Yearly Tax Refund
    From a purely financial perspective, there’s no doubt that it’s better to maximize income tax withholding exemptions on your W-4 form because the resulting additional take-home pay can be invested or placed in an interest-bearing savings account.…
    - 8 days ago, 10 Apr 14, 1:15am -
  • The Exceptionally Low Running Costs of Electric Motorcycles
    Although it’s taken its sweet time, electric car sales are on the up, having increased by an impressive 447.95% in the US last year. The Nissan Leaf and Tesla Model S are proving the most popular, with sales of the Nissan passing 35,000 since i…
    - 8 days ago, 9 Apr 14, 5:21pm -
  • The 5 Worst US State Quarter Designs
    It’s hard to believe, but the US Mint’s very successful 50 State Quarters program ended five years ago. It was a 10-year initiative that honored each of the nation’s states in the order that they ratified the Constitution or were admitted int…
    - 9 days ago, 8 Apr 14, 9:48pm -
  • Why I Prefer a Spreadsheet to Track Expenses & Manage My Finances
    I’ve been diligently managing my personal finances and tracking household expenses for more than 20 years.How diligent, you ask?Well, I can tell you that my cable bill in February 1998 was $8.03, and that I spent $141.16 in 2006 for an annual s…
    - 11 days ago, 7 Apr 14, 1:15am -

Lazy Man and Money

  • Aldi – A Different Kind of Grocery Store
    Many months ago I saw these Temkin Customer Service Ratings that included the top and bottom rated companies. I noted that USAA is at the top (as it should be) and Comcast and Cox cables services were at the bottom. This is exactly how we feel about…
    - 2 days ago, 16 Apr 14, 6:15am -
  • Deal! Two Years of ESPN Insider (and Magazine) for $9
    I usually don't post deals that find on the blog. On Twitter, I do. However, I feel like the blog is for longer articles that are a little more in depth. Today, I'm making an exception, because I think this is a good enough deal that is of interest t…
    - 3 days ago, 14 Apr 14, 10:45am -
  • Devil’s Advocate: Give Uncle Sam a Free Loan!
    I was reading an article from Yes I am Cheap suggesting that people Stop Giving Uncle Sam A Free Loan. She's writing about popular finance experts' mantra that you should set your deductions such that you don't get a big refund at tax time. When you…
    - 7 days ago, 11 Apr 14, 6:15am -
  • Planning Meals in Advance Saves Big Money
    Yesterday, I wrote about Marriage Tension and Money, which was inspired this graphic in this month's Money Magazine (click for larger version): The real reason that graphic got my attention was the bottom line that 28% of couples frequently argue abo…
    - 7 days ago, 10 Apr 14, 10:56am -
  • Marriage Tension and Money
    This month's Money Magazine had an interesting article asking What's Your Money State of Mind? The article is the result of a survey of 1018 Americans who are 18 or older. The information in the magazine is presented better than the article on the we…
    - 9 days ago, 9 Apr 14, 6:15am -

Mighty Bargain Hunter

  • Treasure-hunting in your own house?
    I’ll be one of the first to admit that I’m a pack rat.  I come from a proud line of pack rats.  Not quite hoarding-level, but that’s just one floor up from where I am. My wife, talented woman that she is, has a lot of materials and tools that…
    - 38 days ago, 10 Mar 14, 9:46pm -
  • Want to deduct your medical expenses? Try indoor parkour
    Tax time.  It’s just around the corner.  Yay. But there’s a bright spot in figuring taxes for most of us:  deductions.  Those subtractions that pare down the adjusted gross income (AGI) that is the primary benchmark that determines your tax r…
    - 50 days ago, 26 Feb 14, 8:21pm -
  • Review of The Safe Investor by Timothy McCarthy
    I received a review copy of Timothy McCarthy’s The Safe Investor: How to Make Your Money Grow in a Volatile Global Economy a few weeks ago.  Any book that can give me at least one good idea is a win.  It usually covers the cost of a book, or an e…
    - 56 days ago, 21 Feb 14, 12:15am -
  • Millionaire case studies: study and learn; find that one good idea
    A while back my wife got me a mug that says “Future Millionaire” on it.  The statement on the mug for me is as true now as it was then.  o_O Though some people are predisposed to becoming millionaires, and some have greater obstacles in their p…
    - 59 days ago, 17 Feb 14, 7:33pm -
  • Coins to save, and coins to spend
    A few weeks ago we had lunch with some good friends.  During the festivities, I saw a wooden piggybank-like thing on a shelf above the kitchen sink, part of which was a lucite window that showed the contents. I asked, “So who was the cool person t…
    - 63 days ago, 13 Feb 14, 8:21am -

Personal Dividends

  • newAre You Teaching Your Child About Money?
    One of the most important things you can do for your child is to teach him or her about money. A good financial foundation now can lead to better success with money later. Recently, Citi publicized the results of a survey of U.S. adults and the way t…
    - 14 hours ago, 17 Apr 14, 6:00am -
  • Get Ready to Enjoy the Coming Lunar Eclipses
    When I was younger, my dream was to be an astronomer or an astrophysicist. This dream followed after the reality set in that my chances of becoming an astronaut were relatively slim. Even now, I still love looking at the sky. I have been known to lay…
    - 4 days ago, 14 Apr 14, 6:00am -
  • Are You Keeping Up With the Joneses – Or With Their Debt?
    The latest information from the Federal Reserve indicates that credit card debt is on the rise again. In the years directly following the financial crisis, many consumers reduced their debt load. Household debt – including credit card debt – fell…
    - 8 days ago, 10 Apr 14, 6:00am -
  • How to Reduce the Impact of Jet Lag
    When you travel across time zones, jet lag can be a very real concern. However, it doesn’t always have to cause you serious problems. If you are interested in reducing the impact of jet lag, here are some strategies that can help: Drink Plenty of W…
    - 10 days ago, 8 Apr 14, 6:00am -
  • Tips for Getting Work Done While You Travel
    A few times a year, I pack up and head off for new adventures. Okay, at this stage, the new adventures usually involve a trip with my son over spring break, and a trip to wherever FinCon is being held, with a sprinkling of camping weekends throughout…
    - 15 days ago, 3 Apr 14, 6:00am -

Money Crashers

  • newImportance of Community Banks and How They’re Threatened by Dodd-Frank
    Malcolm Holland, president of $650 million Veritex Community Bank in Dallas, Texas, worries about the future of community banks as a result of increasing federal regulations and growing compliance costs. His concern is based upon the increasing expan…
    - 4 hours ago, 17 Apr 14, 4:00pm -
  • How to Get a Mortgage Loan If You’re Self-Employed With Fluctuating Income
    Even with tighter regulations on property financing, folks with “normal” income from an employer can be approved for a home mortgage loan fairly easily. You simply have to prove that you have steady paychecks, a credit score of 640 or above, and…
    - 1 day ago, 16 Apr 14, 12:30pm -
  • Understanding the Impact of a Federal Minimum Wage Increase
    On February 11, 2014, President Barack Obama signed an executive order raising the minimum pay for workers employed by companies that have federal contracts. The pay per hour would be lifted from $7.25 to $10.10 and go into effect on January 1, 2015.…
    - 2 days ago, 15 Apr 14, 10:30am -
  • 7 Affordable Spring Clothes & Accessories for Women
    I grew up in Toronto, Ontario, and I can vouch that whatever you’ve heard about Canadian winters is absolutely true. They’re harsh, cold, and can feel never-ending. And of course, there’s always that one gorgeous day in March that makes you unc…
    - 3 days ago, 14 Apr 14, 5:20pm -
  • 7 Ideas to Use QR Codes for Effective Marketing in Your Business
    QR codes – or “quick response” codes – are two-dimensional bar codes originally used by Japanese car manufacturers for a variety of purposes, including quality control and keeping track of inventory. However, marketing professionals eventuall…
    - 7 days ago, 11 Apr 14, 6:55am -

The Military Wallet

  • MyCAA – Military Spouse Career Advancement Accounts – What You Need to Know
    This article was originally published on The Military Wallet at MyCAA – Military Spouse Career Advancement Accounts – What You Need to Know and is protected by US copyright laws.Are you aware the military has a Tuition Assistance program for mil…
    - 2 days ago, 15 Apr 14, 8:45pm -
  • Tax Deadline Extension for Deployed Military Members
    This article was originally published on The Military Wallet at Tax Deadline Extension for Deployed Military Members and is protected by US copyright laws.Did Tax Day come a little quickly for you this year? If so, you can file for a free extension…
    - 2 days ago, 15 Apr 14, 12:47pm -
  • Can the VA Reduce Your Disability Benefits?
    This article was originally published on The Military Wallet at Can the VA Reduce Your Disability Benefits? and is protected by US copyright laws.When you are awarded a VA Service-Connected Disability rating, the VA retains the right to reexamine yo…
    - 16 days ago, 1 Apr 14, 9:08pm -
  • 2015 DoD Budget Consolidates TRICARE Plans, Increases Fees
    This article was originally published on The Military Wallet at 2015 DoD Budget Consolidates TRICARE Plans, Increases Fees and is protected by US copyright laws.The proposed 2015 military budget contains a few major changes that would replace the cu…
    - 30 days ago, 18 Mar 14, 10:41pm -
  • Modernizing Military Retirement Pay – Hybrid Military Retirement Plan
    This article was originally published on The Military Wallet at Modernizing Military Retirement Pay – Hybrid Military Retirement Plan and is protected by US copyright laws.The military retirement system is one of the most generous pension plans t…
    - 30 days ago, 18 Mar 14, 8:32pm -

Deliver Away Debt

  • newAereo Micro Antenna and the Big Bad Broadcasters
    As a person who loves finding ways to save money and get stuff for free (legally of course), I am positively intrigued about an upcoming Supreme Court case which may actually decide the fate of how we consume media. The Backstory Aereo is a start-up…
    - 10 hours ago, 17 Apr 14, 10:34am -
  • Should a Senior Like Me Worry About Getting Life Insurance?
    This is a common question among individuals over the age of 50 and the answer to this question, with very few exceptions, is always yes. It’s not a question that tends to come about due to someone your age not wanting life insurance coverage; typic…
    - 12 Oct 13, 6:18pm -
  • Is Social Media Keeping You in Debt?
    In a simpler time, folks were only envious of what their neighbors had – a bigger house, a newer car, or even a better lawn. Things have definitely changed. Personally, I go back and forth on social media. One day I’ll appreciate the ease of comm…
    - 20 Jun 13, 5:30am -
  • How to Spot Bad Financial Advice
    Ok, so this post will probably sound like a gripe session here and there.  But I’m okay with that. I was reading an article online earlier this week (from a reliable source) about used cars and saving money.  But the writer took a u-turn and basi…
    - 5 Jun 13, 6:30am -
  • 3 Easy Steps to Automate Your Money
    Technology is an always-changing phenomenon. Nowadays we have the ability to deposit pictures of checks, pay with the wave of a wrist band, and email money back and forth. Conducting personal business by setting foot in a bank or paying your bills th…
    - 31 May 13, 11:54am -

Dual Income No Kids Finance

  • newAre you taking full advantage of your credit card?
    Credit cards can be the frenemy of consumers.  They can be your best friend if you use them wisely but they can also be your worst enemy if you aren’t financially responsible.  Using your credit card for smart purchases every month and paying it…
    - 17 hours ago, 17 Apr 14, 3:00am -
  • All’s Fair In Love And Real Estate: What To Know About Buying a Home With Your Spouse
    Good morning Dinks.  Are you thinking of buying a home this spring? Maybe you are buying a first home with your spouse or maybe you are thinking of upgrading.  Buying a home can be overwhelming and we want to make the process as easy as possible fo…
    - 2 days ago, 16 Apr 14, 3:00am -
  • Don’t pay full price for anything
    Good morning Dinks.  As you know I am headed off to New York City in a few days and I can’t wait.  Yesterday I was talking with one of my co-workers and she asked me “How can you afford to travel so much?”  The answer is simple.  I always l…
    - 4 days ago, 14 Apr 14, 3:00am -
  • Weekly Recap: Tax Savings, Passions and TV
    Good morning Dinks and Happy Friday.  Well it’s the middle of April and it’s still not warm outside.  Is anyone else getting really restless as you wait for the warm weather to arrive?  It seems like spring is taking forever to come this year.…
    - 7 days ago, 11 Apr 14, 3:00am -
  • My Money Meltdown
      After yesterday I just want to put my head in the sand.  Have you ever had a bad money day?  Just one of those days when nothing, and I mean absolutely nothing, goes right.  Well yesterday I had one of those days and today I just can’t seem t…
    - 8 days ago, 10 Apr 14, 3:00am -

Generation X Finance

  • How I Became A Millionaire Yearly Update 2002
    Starting with a net worth of less then zero to having a net worth over a million before I was 30, this series will show you how my family and I did it. This is the first of the series of my journey to becoming a millionaire in eight years, or shoul…
    - 71 days ago, 6 Feb 14, 4:51am -
  • Maximum 401k Contribution for 2014 Has Been Announced
    Each year the Internal Revenue Service sets the maximum amount of contributions a person can make toward their 401k plan. On Thursday October 31, the IRS announced that the contribution limit will remain unchanged for 2014, here. The amount maximum c…
    - 20 Nov 13, 7:30am -
  • Credit Karma Review
    I have had a number of people ask me about Credit Karma. I have used it a number of times to check my credit score and like it, so I figured I would go ahead and write a Credit Karma Review for all of you. When people start to repair bad credit or e…
    - 31 Oct 13, 12:33pm -
  • Save Money by Regularly Obtaining Auto Insurance Quotes
    Auto insurance is one of the necessities in life, and unfortunately it can be quite costly. Of course, you could try to skimp by going without insurance, but you risk losing everything, there are several types of insurance that everyone must have. So…
    - 15 Oct 13, 9:18am -
  • How to Sell Your Car for the Most Money
    Next to selling your house, selling a car will be one of the larger sales you’ll make in your lifetime, and you’ll probably do it many times over the years. In many cases this also means there are thousands of dollars on the line so it’s crucia…
    - 19 Sep 13, 10:49am -

Studenomics

  • How-to Totally Destroy Self-Doubt When Trying Anything New [Plus Expert Roundup]
    “Real courage is being scared to death and saddling up anyway.” — John Wayne I want you to snap and do something after reading this article… or else don’t even bother reading it! When I hear from readers or friends, the story is usually the…
    - 3 days ago, 14 Apr 14, 11:25pm -
  • Random Life Lessons From The Ultimate Warrior
    “Every man’s heart one day beats its final beat. His lungs breathe a final breath.” The Ultimate Warrior spoke in front of the live WWE audience for the first time in 18 years. I of course sat on the edge of my seat as my childhood hero spoke o…
    - 8 days ago, 9 Apr 14, 9:08pm -
  • An Open Letter to All Parents/Financial Educators : What Nobody Else Will Share With You
    “My kid doesn’t give a crap about money. Most 20-somethings these days are broke. The debt level is at astronomical highs. OMG what do we do?” I’ve had this conversation countless of times with parents and financial educators. Here’s the th…
    - 10 days ago, 7 Apr 14, 1:14pm -
  • Save Me Now! Everything You Could Want to Know About Money, Debt, and Life in Your 20s
    “You write about finance? Why are you out drinking then?” I get asked this often. I usually avoid the question about work because I find it to be the most awkward form of conversation. Why do we all default to asking about work when we first meet…
    - 17 days ago, 31 Mar 14, 11:37pm -
  • The YES! Test [When Can I Quit My Job?]
    “Business is more exciting than any game.” — Lord Beaverbrook “YES! I want to quit my job.” I know you do. Everyone does. Who doesn’t complain about work and post funny memes when the weekend hits? You spend all week waiting for the week…
    - 20 days ago, 28 Mar 14, 12:12pm -

Money Crush

  • The Real Secret to Personal Finance Success: Your Backup Plan

    - 11 days ago, 7 Apr 14, 6:00am -
  • The Secret Power of No
    It’s tempting to think of “no” as a bad word, because who likes to be told no? But get to know the secret power of no, and you’ll discover that “no” is a great word. Why? It can help you in two ways. It allows us to focus on the things th…
    - 18 days ago, 31 Mar 14, 6:00am -
  • How to Find Time to Do the Things That Matter
    Are you thinking of starting a side business or working on some other big project this year, but feeling stressed out because you’re not sure how you’ll be able to fit it in? If so, you’ve probably uttered these six words: “If only I had more…
    - 25 days ago, 24 Mar 14, 6:00am -
  • Three Reasons You Should Create a Bare Bones Budget
    I have two spending plans — one that amounts to a bare bones budget, and another that’s what I really typically spend each month. Why do I have a bare bones budget that I don’t use? (And why do I think you should give creating one a try too?) T…
    - 32 days ago, 17 Mar 14, 6:00am -
  • Eventual Millionaire Book Giveaway
    Do you dream about starting your own business and working for yourself? It’s time to do more than just dream. Take action, and make it happen. To help with that, I’m giving away a copy of Jaime Tardy’s book, The Eventual Millionaire. In it, Jai…
    - 39 days ago, 10 Mar 14, 6:00am -

Wealth Informatics

  • {Keekaroo Review + Giveaway} Finding the right high chair to foster independence
    {Keekaroo Review + Giveaway} Finding the right high chair to foster independence is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. My daughter just turned 6 months old. How time flies! W…
    - 7 days ago, 11 Apr 14, 4:00am -
  • Ways to Dramatically Demonstrate the Power of Compound Interest to Your Kids
    Ways to Dramatically Demonstrate the Power of Compound Interest to Your Kids is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. In today’s low interest rate environment it is next to im…
    - 18 days ago, 31 Mar 14, 7:00am -
  • H&R Block 2014 review & giveaway
    H&R Block 2014 review & giveaway is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. H&R Block is one of the oldest & largest retail tax preparation firms in the US. H&R Block prepares one…
    - 29 days ago, 20 Mar 14, 4:00am -
  • My Retirement Advice
    My Retirement Advice is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. Many of you are busy saving for retirement – some of you are even working towards early retirement. In spite of a…
    - 29 days ago, 19 Mar 14, 12:12pm -
  • Five Reasons to Start Your Estate Planning Now
    Five Reasons to Start Your Estate Planning Now is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. Have you thought about what might happen if you suddenly died? Don’t feel alone if you…
    - 52 days ago, 24 Feb 14, 11:54am -

Engineer Your Finances

  • newSave Money On Your Next Car By Assuming Someone’s Car Lease
    Because of the ways our cities and suburbs are designed, many people need a car to commute from place to place in their local area. Cars are very expensive and renting a car every time that you need one is rarely a feasible solution. Some people have…
    - 17 hours ago, 17 Apr 14, 3:14am -
  • Tips That Keep Your Credit Score High
    With all of the ways available to damage your credit score, it can be difficult to prevent your credit score from dropping occasionally. Fortunately, there are a number of methods that you can use that will help you keep your credit score as high as…
    - 3 days ago, 14 Apr 14, 9:03am -
  • Obtaining Extra Money Through A 401(k) Plan Hardship Withdrawal
    While you were employed, you diligently put away money into your employer sponsored 401(k) plan so that the money would be there for you to use when you retired. Now, that you are unemployed, you wonder “Can I could use some of that money for my im…
    - 7 days ago, 10 Apr 14, 11:35am -
  • Common Mistakes That Can Make You Poor
    Managing your finances properly is very important to ensuring your financial security in the future, but there are several common mistakes that can undo all of your hard work at managing your finances quicker than you can imagine. Making one of these…
    - 10 days ago, 7 Apr 14, 3:55pm -
  • Easy Estate Planning Tips That Anyone Can Use
    Many people put off estate planning because they view it as a complicated task that reminds them of an unpleasant event that will happen in their future. However, estate planning is very important to complete for those who have dependent children or…
    - 14 days ago, 3 Apr 14, 12:04pm -

Early Retirement Extreme

  • newHow to adjust the rear derailer with an index shifter
    I’m just putting this up here because I have not seen this trick elsewhere. The problem here is mainly in getting the cable tension correct so the shifter can pull the derailer over all the cogs in the rear cassette. Too loose and you won’t be ab…
    - 2 hours ago, 17 Apr 14, 9:57pm -
  • newUsing baking soda for brushing teeth
    I have started to use baking soda to brush my teeth (again). I don’t do this to save money on toothpaste, which is cheap and often free thanks to the lunacy of coupon clipping (this is the only place where we do this). Rather, I do it to save money…
    - 10 hours ago, 17 Apr 14, 9:50am -
  • newGuest post: War resistance through taxes and frugality
    This is a guest post from David Gross who blogs about tax resistance, frugality, ethics, and other such issues at his blog, The Picket Line. If you want to learn more about his tax resistance tactics, read the FAQ or check out his How-To Guide to lea…
    - 22 hours ago, 16 Apr 14, 9:42pm -
  • Selling graduate textbooks
    Once upon a time I realized that limited edition graduate texts in myField might go out of print some day and I decided to establish my own “little” library by buying them before they went out of print. In retrospect this was stupid. The reason i…
    - 1 day ago, 16 Apr 14, 9:40am -
  • The extrapolation fallacy
    I do not know why this keeps popping up. It basically goes like this: Take the most recent piece of history, here recent is a maybe a quarter of the characteristic time scale of anything, say the economy, technology, population, … and proceed to ex…
    - 2 days ago, 15 Apr 14, 9:32pm -

Darwin's Finance

  • Individual Investors Make Terrible Decisions – So STOP Making Them!
    I just came across yet another report (Marketwatch) demonstrating the abysmal state of US retail investor performance compared to basically doing nothing.  We just can’t help ourselves.  Based on this latest research of 20 years of data, here are…
    - 29 Jun 13, 12:02pm -
  • Rates Are Finally Spiking – What it Means
    After years of (artificially) depressed interest rates on everything from US Treasuries to savings vehicles like money markets and CDs to borrowing rates for consumers, we finally saw a spike in interest rates in May.  If rates keep rising at a simi…
    - 31 May 13, 8:58am -
  • Why the Rich Keep Getting Richer
    There’s a recent headline making the rounds of late showing that the rich keep getting richer while the rest either tread water or fall behind.  Consider this recent report by Pew Research and I’ll share my thoughts below: During the first two y…
    - 30 Apr 13, 2:29pm -
  • How Obama Goosed the Jobs Numbers and Why It’s Much Worse Than Media Portrayals
    As long as I can remember, people have always complained about the accuracy of government-reported statistics and claims.  For instance, every year, the government reports that the measure generally regarded as a barometer for inflation everyday Ame…
    - 29 Mar 13, 3:38pm -
  • Yahoo’s Work From Home Controversy – Thoughts and Your Opinions
    This past week, Yahoo’s CEO Marissa Mayer announced a ban on employees working from home.  This, in a culture where many, many employees were used to doing this for years.  Here are a few thoughts on this particular announcement, implications for…
    - 26 Feb 13, 7:36am -

Couple Money

  • 10 Ways for Couples to Master Their Money
    One of the most powerful tools you have to tackle and master your finances is not some fancy calculator or new app, but your spouse. You two are in this journey together and that means using this opportunity not just increase your net worth, but to…
    - 2 days ago, 15 Apr 14, 8:31am -
  • Keeping Tabs on Our Retirement Accounts
    Over the last few years as we’ve been working together and I’ve been sharing our progress on Couple Money, you may have noticed a few constant themes coming across in several posts, two of them being automate your finances when possible and save…
    - 10 days ago, 7 Apr 14, 11:59am -
  • Republic Wireless: No Contract Moto G for $149
    If you’re trying to manage your bills, one area where you may be able to save some significant money is by switching your cellphone provider. With many couples, paying for an unlimited family plan for 4 people can set them back about $180-$200/mont…
    - 23 days ago, 25 Mar 14, 9:54am -
  • How Much Should You Tip?
    I was catching the news this morning and one of the stories caught my eye - how digital transactions affect tipping for services. I thought it fascinating that businesses had seen hikes in the amount of tips collected when they use services like Squa…
    - 29 days ago, 19 Mar 14, 2:29pm -
  • Manage All Your Bills with Finovera
    For years, Mint has been my favorite – allowing me to get a snapshot of our finances and giving me a way to watch our spending in an easy and free way. Finovera – A Comprehensive Financial Solution? Now, though, there’s a another option out the…
    - 39 days ago, 10 Mar 14, 8:03am -

My Journey to Millions

  • How to Delegate Without Losing Control
    Good leaders delegate. As an entrepreneur, you have probably heard this a thousand times from business development experts, mentors and business course professors while you worked to earn your MBA degree. You know that delegating less important tasks…
    - 1 day ago, 16 Apr 14, 12:10pm -
  • A Confusing But Common Estate and Life Insurance Decision
    I participate in a lot of financial and estate plans, and there is a common distribution technique I never understood.  The worst part, is that it almost always unintentional.  I think most people would would agree that a child who has lost both of…
    - 3 days ago, 15 Apr 14, 3:00am -
  • Financial Assistance When Facing an Emergency
    If you are currently facing an emergency and are in need of money fast, you may be tempted to take out a payday loan. While this may in fact provide temporary relief, it is likely to cause you even more financial problems in the future. In addition,…
    - 4 days ago, 13 Apr 14, 7:05pm -
  • Finally Switching to a Prepaid Cell Phone Plan
    I have been with the same cell phone company, Sprint, for almost a decade at this point, but later this month I am finally taking the leap and moving to a different carrier.  For the first time in that decade history with Sprint I have made the 2 ye…
    - 7 days ago, 11 Apr 14, 2:00am -
  • Should One Calculate Projected Forward 12 Month Dividends?
    I saw a post by a blogger named Write2Reality who wrote about calculating/projecting his forward 12 month dividends that got me thinking whether this is useful data for most.  Despite not agreeing with W2R I would recommend checking out his blog; a…
    - 10 days ago, 7 Apr 14, 10:55pm -

Enemy of Debt

  • newHow Delinquency and a Debt Settlement Program Can Affect the APR on Your Credit Card (Part 1)
    A selling point, deal breaker, or the cost of securing credit — the annual percentage rate usually gives you a standard for comparing interest and fees from different lenders. However, when you’re initially issued a credit card or dealing with de…
    - 14 hours ago, 17 Apr 14, 5:48am -
  • Financial Literacy: Communication and Teamwork Are Vital to Success
      Preface:  Today I’m taking part in the Financial Literacy Awareness Carnival hosted by Shannon at The Heavy Purse.  Once you’ve finished here, click here and check out the list of other great posts by my fellow bloggers also participating in…
    - 2 days ago, 16 Apr 14, 1:01am -
  • Misplaced Dad On A Pre-Teen Shopping Trip
    Today is officially my daughter’s twelfth birthday, but we celebrated it over the weekend.  From our observations, as well as by asking her directly, the thing she wanted the most for her birthday was clothes.   This was not surprising in the le…
    - 4 days ago, 14 Apr 14, 6:12am -
  • I Love You Like A Blogger Roundup – 4/11
    Monday’s post hosted a review and giveaway of Todd Tresidder’s  book, How Much Money Do I Need To Retire and it’s time to announce the winner.  Gina Helton, come on down, you’ve won!  Expect an email from me in the near future to finalize…
    - 7 days ago, 11 Apr 14, 5:13am -
  • 5 Simple Steps to Start Getting Out of Debt Right Now
    Have you ever tried to get out of debt but just didn’t know where to start?  I think most anybody who’s attempted to get out of debt has experienced that feeling at some point. You have decided you’re no longer comfortable with your debt load,…
    - 7 days ago, 10 Apr 14, 11:50am -

Peak Personal Finance

  • Huntington Online Banking April 2014
    Huntington Online Banking April 2014Post from: Peak Personal FinanceHuntington Online Banking April 2014Post from: Peak Personal Finance In this Huntington online banking April, 2014 update is information on just how you can access the 37th largest…
    - 14 days ago, 4 Apr 14, 5:00am -
  • Huntington Online Banking March 2014
    Huntington Online Banking March 2014Post from: Peak Personal FinanceHuntington Online Banking March 2014Post from: Peak Personal Finance In this Huntington online banking March, 2014 update is the presentation of just how safe your money is with thi…
    - 35 days ago, 14 Mar 14, 5:00am -
  • Heritage Online Banking February 2014
    Heritage Online Banking February 2014Post from: Peak Personal FinanceHeritage Online Banking February 2014Post from: Peak Personal Finance This Heritage online banking February, 2014 update will examine just what this Minnesota and Iowa bank has to…
    - 56 days ago, 21 Feb 14, 4:00am -
  • Golden 1 Online Banking January 2014
    Golden 1 Online Banking January 2014Post from: Peak Personal FinanceGolden 1 Online Banking January 2014Post from: Peak Personal Finance This Golden 1 online banking January, 2014 update is being conducted to help give their members the latest infor…
    - 77 days ago, 31 Jan 14, 4:00am -
  • Giantbank Online Banking January 2014
    Giantbank Online Banking January 2014Post from: Peak Personal FinanceGiantbank Online Banking January 2014Post from: Peak Personal Finance This Giantbank online banking January, 2014 update will explore just what this online only financial instituti…
    - 98 days ago, 10 Jan 14, 4:00am -

Simple Financial Lifestyle

  • 10 questions to ask yourself now that your tax return is done
    April 15th is here and hopefully your tax return is completed.  So now it’s time to celebrate right.   Maybe if you are receiving a refund or if you didn’t have to pay much.  The best news is that you don’t have to worry and stress over your…
    - 3 days ago, 15 Apr 14, 6:00am -
  • A dozen ways your tax refund can help you simplify your finances
      It’s April and tax season is upon us.  As you gather your W-2s, 1099s, 1098s and other tax documents to complete your tax return or provide them to your tax preparer, you are probably hoping  to receive a tax refund instead of owing additional…
    - 10 days ago, 8 Apr 14, 5:00am -
  • How can I eliminate the urge to splurge?
    Splurging – Spend (money) freely or extravagantly .  All of us do it every once in a while.  We go to the store with a list of things to buy or a set amount you plan to spend but you saw something you just could not leave the store without.  You…
    - 1 Oct 12, 5:00am -
  • Did you know cash can help you simplify your finances?
    I am sure you have heard the term cash is king.  It is true but not only is cash king it can also help you simplify your personal finances.  You have probably read articles that cash will become obsolete.  Well as long as we are still using cash l…
    - 19 Sep 12, 5:00am -
  • Simple Weekend Reading – Achieving, Mistakes, Excuses, Stress and Starting Edition
    You want to simplify or organize your personal finances you must set goals to help achieve the things you want. You will make mistakes along the way so don’t give up.  Stop making excuses and you may just achieve the goals you set.  Simplifying t…
    - 14 Sep 12, 6:00am -

Cash Flow Sherpas

  • 3 Secrets To Finding Great Balance Transfer Deals
    [caption id="attachment_2496" align="alignleft" width="150" caption="Credit Cards"][/caption]By Stephanie MojicaAfter Valentine’s Day and other expensive winter holidays such as Christmas and New Year’s, your credit card interest payments may…
    - -
  • Two Quick and Easy Ways to Keep More Money in Your Pocket
    [caption id="attachment_2405" align="alignleft" width="150" caption="co-signing"][/caption]By Stephanie MojicaThere are plenty of frugal people all over the world who pinpoint the “latte factor” when it comes to keeping more money in their po…
    - -
  • Top 10 Ways To Save Money In 2011
    Many of us make New Year’s resolutions, especially where money and diet are concerned. Grab some or all of these top 10 ways to save money while enhancing your life in 2011 and beyond.1. DeclutterStart the New Year by cleaning your house, clear…
    - -
  • Personal Finance Pitfalls To Avoid In 2011
    As the New Year unfolds, here are the financial road traps that you need to avoid to solidify your financial position and get more sleep every night.The first pitfall to avoid is being unprepared without an emergency fund.  An emergency fund will…
    - -
  • 3 Ways to Improve Your Credit in the New Year
    One New Years resolution that can really pay off for your financial health is to improve your credit score.  Often times a bad credit score can be attributed to bad money habits. The New Year is a good time to kick those habits and start financiall…
    - -

Financially Poor

  • new7 Ways To Improve The Resale Value of a Home
    It is every homeowner’s dream to increase the resale value of his home. This is very natural and holds even if you are not planning to sell your home. Even today, a home is usually a family’s biggest asset and it always helps to have it priced as…
    - 2 hours ago, 17 Apr 14, 10:21pm -
  • What did we do before fuel cards?
    No, seriously what did we do before fuel cards for businesses? I’ve run a maintenance and repair company for over 10 years now and wake up with cold sweats thinking of my life before Texaco cards from chooseafuelcard.com. Before I selected a busine…
    - 2 days ago, 15 Apr 14, 10:11pm -
  • Three Smart Moves If You Can’t Pay Your Bills
    If you’ve always been responsible with your finances, being unable to pay a bill might send you into a state of panic. You may fear damaging your credit score or receiving calls from your creditors.  Unfortunately, this scenario is all too common.…
    - 4 days ago, 13 Apr 14, 9:56pm -
  • Why There is No Need to Ever Have Financial Stress
    When people stress about money it’s usually because they feel they don’t have enough in their life. If you’re short on money to pay bills then you need to look at where else your money goes. If you have time to stress about money then you have…
    - 6 days ago, 11 Apr 14, 9:40pm -

The Consumer Boomer

  • What Baby Boomers Need to Know About Payday Loans
    Payday loans frequently appeal to people who run short of cash or encounter unforeseen expenses. Baby boomers are no exception, so it’s important for this generation to learn more about short-term lending. Greater knowledge on the risks and benefit…
    - 16 days ago, 1 Apr 14, 2:56pm -
  • Tax Efficient Strategies When Selling Investments
    Baby boomers are living longer, but perhaps facing more challenges than ever. Healthcare costs, layoffs and lack of pensions greatly affect financial planning. We must budget our lifestyles to meet rising costs and uncertainty. In certain cases, this…
    - 23 days ago, 25 Mar 14, 4:38pm -
  • Financial Crimes: Keeping Your Money Safe in a Troubled Economy
    With the job market still recovering from the 2008 recession and many financial institutions in trouble, keeping your money safe has never been more important. Criminals in the financial sector have found cunning new ways to take advantage of new tec…
    - 24 days ago, 24 Mar 14, 5:40pm -
  • Has the Internet made us Richer?
    It has been over twenty years since the internet was made available to the general public. Since then internet access has been made available in restaurants and coffee shops, a myriad of devices ranging from cellular telephones to children’s video…
    - 24 days ago, 24 Mar 14, 12:55pm -
  • Currency Trading For Beginners
    Currency trading, also known as forex trading, is the type of trade dealing with the exchange of a single currency into another depending on a certain rate. Those that participate in currency trading are larger financial institutions, like banks. Cur…
    - 35 days ago, 13 Mar 14, 10:29am -

Personal Finance Firewall

  • Credit Karma Introduces Insights For Clear Account Management and Bill Tracking
    Years ago I wrote about Mint.com, an awesome system that I’ve been using since beta to track all my finances online. Mint offers the ability to easily add financial institutions to your account, see deposits and withdrawals as well as get notif…
    - 2 Apr 13, 10:34am -
  • Netflix – The Final Frontier?
    Netflix, what an interesting company. They have been a pioneer since they opened their doors in 1997 and a few months back, my wife and I finally caved and decided to keep a subscription beyond the free trial. We actually were full members of Netflix…
    - 26 Jun 12, 9:30am -
  • 5 Tips For Overseas Travel
    Recently I travelled from Sydney to Chicago. Many things happened on this trip that with a little forethought I could have avoided. As such, here are my 5 tips to consider when you are travelling overseas! Check your passport This might sound basic b…
    - 29 Nov 11, 2:18pm -
  • Fashonify Review – A New Way To Find Your Style
    Everything today is about connectivity. You want to be connected with your friends, family and even people you’ve never met before, and they you. Why is that? One reason is we want information but in many cases it’s more specific than just that,…
    - 2 Nov 11, 12:40pm -
  • Lessons Learned From The Financial Blogger Conference
    Well, I made it back in one piece! The Financial Blogger Conference was amazing. There were hundreds of bloggers as far as the eye could see. No one batted an eye at my complaints about having to pay for WiFi or my trying to split a cab anywhere we w…
    - 5 Oct 11, 7:00am -

Sweating The Big Stuff

  • Should Employees Feel Guilty About Taking Vacation Days?
    In the past few weeks, I’ve heard a couple stories from friends who wanted to use some of their accrued vacation time, but ran into approval issues when it came to actually requesting the time off. Two Vacation Requests In one case, my friend wante…
    - 4 days ago, 14 Apr 14, 7:00am -
  • 2014 First Quarter Business and Personal Finance Goals Update
    I changed my goals for 2014, going with 3 goals that keep us accountable both on a personal and business level. With 3 months gone, it’s time to check in on my progress. As always, I am leaving out steps on the way to achieving my goals (like fully…
    - 11 days ago, 7 Apr 14, 7:00am -
  • The Difficulties Of Working With Freelancers
    As I mentioned in a recent post, I started a serious babies website, and while the initial reaction has been great, I want to take it up a notch. Through Facebook sharing only, we manage to get about 300 visitors to each new image. It’s great, and…
    - 17 days ago, 1 Apr 14, 7:00am -
  • How to Choose the Right Career
    How many times have you heard someone complain about their job over and over? How many times have you done it? Choosing a career is one of the most important decisions you’ll make in your entire life. Especially if you don’t want to be a misera…
    - 24 days ago, 25 Mar 14, 7:00am -
  • 5 People Who Can Save You Time, Money, and Stress
    Some people straight up know how to get stuff. They get the best deals, know where to research, and never settle. I strive to reach this status, to know everything about everything. I want to be a wealth of knowledge and to share that information wit…
    - 29 days ago, 20 Mar 14, 7:00am -

Money Funk

  • How to Successfully Negotiate Better Terms with Your Credit Card Company
    Lately every credit card company seems to have a trick up its sleeve. I don’t just mean the countless tempting offers that come in the mail. At least once a week I get a letter from companies I’m already using, letting me know they’ve changed t…
    - 22 Jul 12, 10:25pm -
  • 4 Ways Buying a Smartphone Can Save You Money
    For a long time, I was firmly against purchasing a smart phone. I figured I was just fine with my old cell phone, saving money by avoiding expensive monthly data plan fees. However, after talking it over with friends and family, I finally decided to…
    - 3 Mar 12, 12:55am -
  • Adult Children Living at Home – 5 Reasons to Live with your Parents Longer
    Dude, you still live with your parents? This phrase is uttered time and time again those who live their own and can’t understand why anybody would continue to stay in their parents’ home. Although there is nothing wrong with moving out, don’t o…
    - 13 Jun 11, 9:15am -
  • Obscure Types of Insurance Policies That May Help You in the Future
    Most people know a thing or two about auto insurance, home insurance, health insurance, and life insurance. It makes sense, as these are common policies that tens of millions of people pay for, month after month. But while these may be the most commo…
    - 28 Feb 11, 7:20am -
  • Luxury Items for Your Dog: What to Buy, What not to Buy
    People love their pets. This is particularly true with dog owners. Our beloved dogs are pampered, groomed, and even clothed. We make them into a regular part of the family. As more and more canine “luxury items” have begun to hit the marketplace,…
    - 13 Jan 11, 1:29pm -

Ultimate Money Blog

  • Start a Cleaning Routine
    Keeping a clean house can certainly be a challenge, especially when you have little ones running around. A few weeks ago I decided I was tired of trying to clean my house from top to bottom every day and that something had to change. I decided that I…
    - 72 days ago, 4 Feb 14, 8:30am -
  • What Factors Decide Where You Live?
    The other day I realized it’s going to be seven years since we purchased our house.  It is so hard for me to believe, and I’m so proud of how I’ve really helped turn this house into a home.  I’ve painted pretty much every surface in this ho…
    - 78 days ago, 29 Jan 14, 10:17am -
  • “I Can’t Save Enough Money”
    Lately I’ve kind of been a Debbie Downer when it comes to money. I feel like we aren’t saving enough and we have all these things that we should be saving for.  Almost two years ago I quit my job to become a stay at home mom.  I don’t regret…
    - 99 days ago, 8 Jan 14, 9:04pm -
  • 2014 Goals
    Each year I try to set financial and life goals for our family. Here are the past years’ goals: 2009, 2010, 2011, 2012. Apparently last year I decided not to set goals, and that’s okay!  I do have some things I’d like to get accomplished this…
    - 2 Jan 14, 11:43am -
  • $100 Amazon Gift Card Giveaway!
    I’ve almost finished my Christmas shopping, and I have to admit: most of the gifts that I purchased were ordered online. I did a lot of shopping from Amazon, and it was a lot easier to order gifts from my living room while Penny played nearby! When…
    - 16 Dec 13, 12:58am -

Frugal Zeitgeist

  • 5 Unusual Ways People Spent Their Lottery Millions
    Everyone has wondered what they would spend the money on if they hit the lottery jackpot. Of course we would all sort our family out and fix any personal financial issues, of course we would take our mates on vacation, of course we would invest in so…
    - 2 days ago, 16 Apr 14, 12:48am -
  • What do I do if the IRS audits me
    So you got the news that the IRS is doing one of it’s audits and they are doing this audit on you! What on earth are you going to do, why you, are they just picking on you! Maybe you can un to the South America, live your days out in exile with an…
    - 25 days ago, 24 Mar 14, 4:59am -
  • Greedy parents throw worst baby shower ever
    Greedy parents throw worst baby shower ever – Ok, the shower itself may not have been that bad but it’s the aftermath that has the mommy blogs (and rightly so) talking. Mommyish.com published a story about a woman who was invited to the baby show…
    - 31 days ago, 18 Mar 14, 2:27am -
  • Mick Jagger’s girlfriend L’Wren Scott commits suicide in Manhattan apartment
    Mick Jagger’s girlfriend L’Wren Scott commits suicide in Manhattan apartment – Terrible sad news came in yesterday of another famous suicide. Following the recent suicide of Julia Robert’s half sister and the demise and accidental death of Ph…
    - 31 days ago, 18 Mar 14, 2:18am -
  • Australians apply in vain for which Sri Lankan job?
    Australians apply in vain for which Sri Lankan job? – The allure of working in an exotic country is something many of us want to follow and it seems that one job in Sri Lanka has attracted a few foreign applicants after they have been having troubl…
    - 33 days ago, 16 Mar 14, 1:48am -

Out of Debt Again

  • What One Thing Do All MLM’s Promise?
    A couple of weeks ago I wrote about my experience with signing up for an MLM and I shared one piece of advice if you are looking to get into the business yourself. Having been with the company for...[[ This is a content summary only. Visit my websi…
    - 10 days ago, 7 Apr 14, 6:00pm -

Money Reasons

  • newBoosting Your Income: How to Earn Money on the Side
    Boosting Your Income: How to Earn Money on the Side It feels like our money never quite stretches far enough these days. With wages stagnating while inflation rises, it is getting harder and harder to meet our expected standard of living; and that’…
    - 3 hours ago, 17 Apr 14, 5:10pm -
  • Puddles Pity Party “Royals – by Lorde” Cover Review
    As a fan of Lorde’s Royals, I heard about a cover that was as good as Lorde’s original, but with a different flavor.  Intrigued, I had to go and check it out and much to my surprise I wasn’t disappointed!  While the singing is great, what rea…
    - 27 days ago, 21 Mar 14, 11:08am -
  • Why It’s Wrong When Billionaires Try To Destroy Companies
    I stumbled across this article Today on the NYtimes: “Staking $1 Billion That Herbalife Will Fail, Then Lobbying to Bring It Down” and it made me sick to my stomach. It’s not that I’m a big fan of Herbalife, but the fact that Bill Ackman is s…
    - 37 days ago, 11 Mar 14, 9:37am -
  • Why You Should Not Own Bitcoins And I Never Will
    Okay, there exists plenty of lot of reasons not to buy into Bitcoin, but I’m going to start with the ones that bother me the most.  So let have at it: Nobody know who created it!  This is huge and means that the creator could have an unmeasurable…
    - 41 days ago, 7 Mar 14, 7:42pm -
  • Why Does The Media Still Print Stuff About Madoff?
    The man committed a Ponzi scheme of unbelievable proportions… So again I have to ask why does the media still print what Bernie Madoff says, knowing that he committed one of the largest frauds in history?  Basically hiding the truth for years, as…
    - 56 days ago, 20 Feb 14, 5:10pm -

Rainy-Day Saver

  • 5 Best Ways to Save on Baby Supplies
    No matter if you are planning for the arrival of your first child or you are already a parent, there is one thing you are most likely aware of: Raising a baby can be very expensive. As you begin to make a list of the baby supplies that you will need,…
    - 23 Jul 12, 7:32pm -
  • 5 Ways to Save on College Textbooks
    The average four-year public university charges around $8,000 per year for in-state students in tuition and fees, and that’s after you factor in financial aid. But if you’re considering a private school, the price rises to a jaw-dropping $28,000.…
    - 3 Mar 12, 1:14am -
  • Be Your Own Consumer Advocate
    I’ve never been a fan of getting things you don’t deserve, whether by deception or stealing. But when I purchase a product and it doesn’t live up to my standards, I make it a point to let the company know.Crappy ways of getting “free” stuf…
    - 19 Jul 11, 9:39am -
  • Save Money on Formula
    Our little puddin'Hello, faithful readers! I’ve been on hiatus, and for good reason: Our little miracle baby arrived five weeks early, on Groundhog Day! Baby Saver didn’t want to wait and impatiently entered the world weighing 4 lbs., 8 oz. and…
    - 28 Apr 11, 7:00am -
  • Balancing Frugality and Fun
    When you’re trying to live frugally, it’s hard to get any pleasure out of spending money, since the action goes completely against the grain of your lifestyle. Trust me, I know this from firsthand experience. It pained me to buy maternity clothes…
    - 21 Jan 11, 10:45am -

Budgeting In the Fun Stuff

  • newWicked Cool Wood Watch and GIVEAWAY!!!
    Wicked Cool Wood Watch and GIVEAWAY!!! is a post from: Budgeting In the Fun StuffWicked Cool Wood Watch and GIVEAWAY!!! is a post from: Budgeting In the Fun Stuff Have you heard of JORD wood watches? I hadn’t until last week, but they got me. Not…
    - 16 hours ago, 17 Apr 14, 4:00am -
  • The Convenience of Credit Card Debt
    The Convenience of Credit Card Debt is a post from: Budgeting In the Fun StuffThe Convenience of Credit Card Debt is a post from: Budgeting In the Fun Stuff The following is another post from Lyle, a self-employed guitar instructor, performer, web-d…
    - 2 days ago, 16 Apr 14, 4:00am -
  • Welcome to Our New Foster Dog, Dale!
    Welcome to Our New Foster Dog, Dale! is a post from: Budgeting In the Fun StuffWelcome to Our New Foster Dog, Dale! is a post from: Budgeting In the Fun Stuff Daisy has settled in super well with her new family, so Mr. BFS and I have been matched wi…
    - 4 days ago, 14 Apr 14, 4:00am -
  • Our Sony Blu-Ray Player Crapped Out, Welcome Samsung!
    Our Sony Blu-Ray Player Crapped Out, Welcome Samsung! is a post from: Budgeting In the Fun StuffOur Sony Blu-Ray Player Crapped Out, Welcome Samsung! is a post from: Budgeting In the Fun Stuff In December 2012, we bought a “Sony BDP-S590 3D Blu-ra…
    - 7 days ago, 11 Apr 14, 4:00am -
  • Getting a Jump Start on Our 2014 Taxes
    Getting a Jump Start on Our 2014 Taxes is a post from: Budgeting In the Fun StuffGetting a Jump Start on Our 2014 Taxes is a post from: Budgeting In the Fun Stuff You know how I complained about looking up all of our deductions for 2013 since it was…
    - 8 days ago, 10 Apr 14, 4:00am -

Punch Debt In The Face

  • newThe best test out there to tell you if you should buy a home.
    My hunch is that most first-time homeowners buy their first place with the best of intentions. They imagine spending decades in their future abode, establishing roots, and engaging in their community. But then life happens. They have more kids than t…
    - 19 hours ago, 17 Apr 14, 12:51am -
  • Time to fess up
    A few years ago, I decided to make a blog post that mimicked a very popular website, PostSecret.com. If you aren’t familiar, PostSecret is website in which random people like you, mail in post cards containing deeply personal confessions. My first…
    - 3 days ago, 14 Apr 14, 11:25pm -
  • Goodbye $30,000/yr, we won’t miss you.
    We are about two months away from welcoming Baby Ninja to the family and in case you were wondering, no I do not feel prepared to be a dad. I mean, I frequently forget to bathe and feed myself, how am I expected to take care of another human being? W…
    - 7 days ago, 11 Apr 14, 12:09am -
  • I guess I’ve reached “that” stage in life…
    One of the primary selling points of our home was the awesome outdoor living space. We have a good sized patio just off our kitchen that overlooks our big lush backyard, flagstone fire pit area, and the Olympic mountains and Puget Sound. Our patio is…
    - 9 days ago, 9 Apr 14, 12:21am -
  • 25 going on 60
    One of my buddies, who works in finance for a major bank, told me he recently attended a small group with a few of his good friends from college. During the small group, one of the members began reflecting on his life. He has a good job. He and his w…
    - 11 days ago, 6 Apr 14, 11:27pm -

Well Heeled Blog

  • newI’m a Millennial, I’m good with money!
    So says a new Time Magazine article that concludes “Millennials are scary smart with their money”. After I read the article, I wouldn’t go so far as to say “scary smart”, but it seems that more Millennials understand the importance of savi…
    - 13 hours ago, 17 Apr 14, 7:00am -
  • Shopping Mishaps, or Hindsight is 20/20
    One of the benefits of having blogged as long as I have is the the clearly noted purchases of years past. Going through my archives, I found many, many things that I’ve purchased and in retrospect, really shouldn’t, or I could’ve gone without.…
    - 4 days ago, 14 Apr 14, 6:00am -
  • This Maxi Dress is Perfect. Get Thyself to Old Navy Now
    Let me introduce you to the 3rd dress I’ve purchased in 2014: this 3/4 sleeve maxi dress from Old Navy, currently on sale for $25 + 30% off sale. I got it for just $15, and it’s one of the most comfortable dresses I’ve ever worn. I love it beca…
    - 8 days ago, 10 Apr 14, 6:00am -
  • Konnichiwa Japan!
    When CB and I were sharing our travel destination dreams, he mentioned that Japan is the one country that he really wants to visit. So… we are visiting the Land of the Rising Sun at the end of June. The whole reason we can afford this trip is beca…
    - 10 days ago, 8 Apr 14, 6:00am -
  • I LOVE Tax Refunds
    I’ve said it before and I’ll say it again: I love tax refunds. This love is exponentially increased when we are experiencing somewhat of a cash crunch and are trying desperately to bridge that gap between my full-time employment in August and…
    - 15 days ago, 3 Apr 14, 6:00am -

Not Made Of Money

  • 5 Tips For Starting To Save Money Right Now
    For lots of people saving money may appear to be a hopeless task. They try and try to save money but struggle to consistently put money into their bank account. Failing to save money can often occur because you have so many other things to
    - 8 days ago, 10 Apr 14, 6:21am -
  • The Pros and Cons of Selling Structured Settlements
    The following article is a guest sponsored post. Please see my disclosure statement for more information. You’ve probably heard the term “structured settlement” but weren’t quite sure what that meant. Structured settlements are financial sett…
    - 9 days ago, 9 Apr 14, 5:11am -
  • Top Four Things to Know Before Starting a Historic Home Remodeling Project
    The following article is a sponsored guest post – see my disclosure statement. Please see the bottom of the article for further information. If you own a historic home, you likely take pride in its unique architecture and rich history. But, what if…
    - 18 days ago, 31 Mar 14, 6:10am -
  • Can a Freezer Lower the Cost of Your Groceries?
    Saving on groceries has become a very hot topic lately. With the rising cost of food and gas prices, families are faced with spending more. That extra money has to come from somewhere, so trimming the other areas of your budget becomes very important…
    - 21 days ago, 28 Mar 14, 3:30am -
  • Buying a Home to Retire In
    The following article is a sponsored guest post – see my disclosure statement. Please see the bottom of the article for further information. As you approach retirement, the home you bought 20, 30 or even 40 years ago might not be the best living ar…
    - 23 days ago, 26 Mar 14, 5:08am -

20 Something Finance

  • Healthcare.gov Open Enrollment is Over. What if I Need Insurance NOW?
    One of the biggest selling points of the Affordable Care Act was that it would allow millions who previously had not had insurance to get affordable insurance through a public health insurance exchange. The biggest ...Healthcare.gov Open Enrollment…
    - 2 days ago, 16 Apr 14, 5:56am -
  • SIMPLE IRA Basics for Self-Employment Income
    This is the third installment in a multi-part series on retirement accounts for self-employment income.We previously covered SEP IRA and Solo 401k basics. In this post, we’ll cover the SIMPLE IRA.You don’t have to be ...SIMPLE IRA Basics fo…
    - 4 days ago, 14 Apr 14, 6:00am -
  • Making Net Worth More Useful
    A few years back, I had a little net worth bashing session.Over time (and increased net worth) my view on this financial metric has softened a bit, but not much.A softer side comes from an ...Making Net Worth More Useful[Read the rest of the s…
    - 9 days ago, 9 Apr 14, 6:04am -
  • Solo 401k Basics for Self-Employment Income
    This is the second of a multi-part series on retirement accounts for self-employment income.I previously gave a rundown of SEP IRA’s. In this post, I’ll cover the mighty Solo 401k. And up next: the SIMPLE ...Solo 401k Basics for Self-Employme…
    - 11 days ago, 7 Apr 14, 6:08am -
  • 6% Cash Back on Groceries Again? Year 2 Results are in
    2013 was my second full year of using the Blue Cash Preferred® Card from American Express as my primary card of choice for supermarket purchases. In my first full year of usage, I was able ...6% Cash Back on Groceries Again? Year 2 Results are in…
    - 16 days ago, 2 Apr 14, 6:08am -

Beating Broke

  • Keeping Up With the Smiths
    Keeping up with the Joneses is bad.  We know that.  From a financial perspective, we spend a great deal of our time overcoming the green monster called envy in order to keep our lives in some semblance of financial order.  We know the Joneses down…
    - 3 days ago, 15 Apr 14, 6:54am -
  • Do You Have a Rainy Day Cash Fund?
    Everyone should have a rainy day cash fund.  Not an emergency fund.  Although, you should have one of those as well.  No, a rainy day cash fund should be exactly that.  Cash.  Easily accessible, and easily spendable. Ahhh!  Did he just say “e…
    - 15 days ago, 3 Apr 14, 7:03am -
  • Frugal Estate Planning
    One of the joys of getting married and having kids is that you then must face your own demise.  The poet Donald Hall wrote about this in his poem, “My Son, My Executioner” stating, as a man and his wife look down on their newborn son, “We twen…
    - 18 days ago, 31 Mar 14, 7:15am -
  • Composting; You’re Doing it Wrong
    Each and every year, for the last several years, I’ve said that I plan on finding a space for a compost heap and create one.  Several years ago, I went so far as to take all of the grass trimmings and garden trimmings and dump them into a pile in…
    - 21 days ago, 27 Mar 14, 8:17am -
  • Declutter Your House Like You’re Moving and Make Some Cash
    It’s been a long, hard winter.  In Chicago, this winter ranks as the third snowiest on record, and the temperatures have been bitterly cold.  Of course, we’re not alone; much of the country has felt the same pain. Finally getting some warm, sun…
    - 25 days ago, 24 Mar 14, 6:45am -

20s Money

  • Dog and Puppy Insurance Protection
    Minor injuries, illnesses, accidents, genetic and hereditary conditions, congenital conditions, emergency care or other serious and expensive chronic illnesses that require continuous treatment well into the pet’s old age are all reasons to have He…
    - 4 days ago, 13 Apr 14, 9:51pm -
  • Mortgage Options
    Are you trying to buy a house but not sure how to make the purchase? Have you explored all of your options only to come up with no ideas? You can learn more about mortgages with embrace home loans and other online companies. When looking at a home mo…
    - 9 days ago, 8 Apr 14, 9:31pm -
  • Get a Jump on Your Future Business Practices
    The world is changing at an incredible pace in virtually every aspect. Knowledge of maintaining a business a decade ago doesn’t have as muchmeaning today. As the Internet has provided a world of opportunities for business growth, you need to know…
    - 21 days ago, 27 Mar 14, 5:14pm -
  • Why There is a Place for Payday Loans
    Most consumer advocates, and even some banks, frown on payday loans. They get a bad rap because of their really high interest rates. But, there’s a place for payday loans in today’s economy if you’re responsible with them. Bankers Are Conser…
    - 24 days ago, 25 Mar 14, 7:10am -
  • What Do You Need For Car Loans?
    If you are interested in getting car loans in Perth through brokers like LendMe, you first need to know what paperwork will be requested for you to even qualify for the loan. A car loan is generally considered to be a major loan. While it is not on t…
    - 25 days ago, 24 Mar 14, 7:28am -

Squirrelers

  • Squirreling Gone Wild #36: Saving Money on Movie Theatre Popcorn
    So, it’s been a while since the last installment of Squirreling Gone Wild, but I came across another example of borderline extreme behavior when it comes to saving money.  You might call it clever instead.  Let’s see what you think. The scene…
    - 3 days ago, 14 Apr 14, 3:01pm -
  • 4 Key Personal Finance Questions
    Obviously, being a personal finance blogger, I enjoy helping others think about their money.  Sometimes this involves sharing stories, and other times it might involve some analysis. It can also involve asking questions.  Or, maybe more accurately,…
    - 11 days ago, 7 Apr 14, 2:07am -
  • Drink an Extra Glass of Water Each Week and Save $20,000
    When you’re out to lunch or dinner, do you buy a drink with your meal? Personally, I’ve been sticking to water.  As I wrote in a post on drinking tap water to save money, it’s likely a healthier and cost-efficient option than most other altern…
    - 18 days ago, 31 Mar 14, 12:27am -
  • The “Would You Want it Publicized” Rule for Frugality
    Frugality can be a funny thing.  Sometimes we think we’re frugal since we pinch pennies in certain areas of our life, but we spend quite a bit in others.  In other cases, what we consider to be frugal might pass as overspending to others.  Clear…
    - 25 days ago, 24 Mar 14, 2:03am -
  • 10 Ways to Spring Clean Your Finances
    Spring could not get here fast enough.  Here in the Chicago area, we have experienced quite a winter.  In my lifetime, this has been the most extreme one that I’ve seen.  This winter has yielded a snowfall total that is in the top 5 ever recorde…
    - 31 days ago, 17 Mar 14, 8:44pm -

Passive Panda

  • From a Resort in Puerto Rico: 5 Life Lessons That Will Keep You Happy and Make You Wealthy
    A few weeks ago, I told you about the experience I had the first time I stayed at a luxury hotel. Little did I know, I would be staying at another one a few weeks later. Funny how life works like that. You never do something, and then all of a sudden…
    - 16 Jan 13, 9:19am -
  • The Free Social Media Tool Everyone Should Use
    You’ve probably already heard people proclaiming the usefulness of Facebook and Twitter for earning more money and building a business. There are tons of apps, widgets, and thing-a-ma-jigs that claim to get you more followers and fans on social med…
    - 7 Dec 12, 11:41am -
  • How to Find and Do Work You Love
    As you know, here at Passive Panda we are building a community that believes earning more isn’t just about earning money. It’s about earning freedom, happiness, and satisfaction from our jobs as well. In other words, our community believes in doi…
    - 3 Dec 12, 9:01am -
  • 7 Important Lessons Luxury Hotels Can Teach You About Becoming a Successful Entrepreneur
    A few weeks ago, I stayed at my first luxury hotel. Most of my life has been spent gorging on the breakfast buffet inside various Holiday Inns, so you can imagine that this prime time resort was a big upgrade. And while the giant chandeliers were nic…
    - 13 Nov 12, 7:02am -
  • 7 Surprising Things Fashion Week Can Teach You About Marketing Your Business
    Two weeks ago, I found myself in New York City attending Rachel Zoe’s private fashion show and wondering how I got there. Before that night, the only runways I had been on were at the airport. But don’t worry, it might have been unfamiliar territ…
    - 26 Sep 12, 9:01am -

20 and Engaged

  • Non-Profits That Will Help You with Your Finances
    Below are some examples of organisations that can help low income earners with their finances or money issues in the UK. Whilst this list is specific to the UK it does provide readers with examples of financial services that should be available in th…
    - 4 days ago, 13 Apr 14, 5:24pm -
  • Safety Net: 4 Real Estate Laws You May Not Be Aware of
    The financials of real estate can be extremely complicated. Whether you’re a real estate agent or a client, buying a new home or selling property, renting out your second home or trying to secure a lease, the ins and outs of real estate laws are co…
    - 6 days ago, 11 Apr 14, 1:47pm -
  • Going Back to School? 3 Career Tracks to Consider
    Are you craving change in your life? If you really want to alter the direction in which your life is headed, why not go back to school? With all the online and alternative programs out there today, there’s no reason you can’t change your stars wh…
    - 9 days ago, 8 Apr 14, 8:21am -
  • Things to do for Mother’s Day
    Mother’s Day is celebrated all over the world, a chance to treat our moms, recognizing all the things they do for us. Although Mother’s Day is now a global tradition, it actually began in America in the early 20th century and while flowers do the…
    - 14 days ago, 3 Apr 14, 9:21pm -
  • 10 Creative Ways to Finance Your Wedding
    A wedding is one of life’s most precious and memorable moments. But while the day itself is one of joy and new beginnings, paying for the wedding of your dreams can be a tall order. As well as the expense of a dress, the cake, the cars and the flow…
    - 17 days ago, 31 Mar 14, 1:02pm -

The Family CEO

  • Found Money Update October – March: $13,731
    It’s past time for a found money update. In fact, I blew right past the three month mark and am now at the six. So what follows is an update for the months of October, 2013 – March, 2014. If you’re wondering what found money is, I summarized th…
    - 4 days ago, 14 Apr 14, 5:00am -
  • Simplifying College Savings
    I wanted to pop in quickly to tell you that last month I took advantage of a feature of 529 accounts that I’ve been reading about for years: the ability to transfer your college savings for one child to another. My daughter is graduating from colle…
    - 8 days ago, 9 Apr 14, 4:39pm -
  • One Family’s Review of Capital One 360’s Teen Money Checking Account
    We opened online savings accounts for my kids at Capital One 360 (formerly ING Direct) when they were pretty young. So when my son was ready for his first checking account a few years back, we decided to give the Capital One 360 MONEY checking accoun…
    - 22 days ago, 26 Mar 14, 1:19pm -
  • Weekend Links
    I know you’ll probably be out enjoying spring break or watching college basketball this weekend, but just in case you have a little down time, I wanted to pass along some Family CEO reading for you to check out. The nice folks at Mint.com asked me…
    - 28 days ago, 20 Mar 14, 4:30pm -
  • Test Driving an HSA
    Like a lot of people, our family had to make a change in health insurance at the first of the year. After reviewing all our options (and re-reviewing them, and reviewing them some more) we took the opportunity to go a direction we had been thinking a…
    - 37 days ago, 11 Mar 14, 5:43pm -

Broke Professionals

  • Quit the Gum!
    Quit the Gum! is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Or How I stopped using nicotine gum after 8 years of chewing and $6000 worth of dental crowns for cracked teeth. If you have stopped smoking…
    - 29 days ago, 19 Mar 14, 9:56am -

Mrs. Nespy's Frugal World

  • So Long, Farewell....
    It's been a long time coming, but I am finally pulling the plug.This is the end of Mrs Nespy's World.Over the last week I have been pulling affiliation links, contacting PR firms and cleaning out the blog.  After almost 6 years of blogging, I have t…
    - 4 Sep 13, 11:53am -
  • Tips to Make Disney World Fun for the Whole Family
    There are tips galore all around the internet on how to make your vacation to Disney World the best ever.  Trust me - I think I perused all of them. After doing that, I picked the ones that would (hopefully) work for us and made up some just for us.…
    - 22 May 13, 1:11pm -
  • Our 2013 Disney World Family Vacation
    So if you've been on my blog at all in the last week, you've noticed that we have just returned from our family vacation to Disney World. We paid cash and had a blast!  Hooray for family fun on a budget!But aside from all of the tips and tricks that…
    - 22 May 13, 12:35pm -
  • How Was School Today? How I Got My Kids to Talk to Me.
    My son is currently finishing up first grade while my daughter is in the last few days of 3K at the same school.  Each day I picked them up I would ask the same questions:  How was school today?  What did you do?  These questions always resulted…
    - 22 May 13, 7:41am -
  • What Would Have Been Impossible 3 Years Ago
    So I am currently a long way from being debt free.  Although my journey to being debt free (excluding mortgage) started over 3 years ago and I thought I would be done by now, life happens sometimes and we just are not there yet. We have been making…
    - 2 May 13, 9:04am -

Saving Money Today

  • Steer Clear: What to Avoid to Save on Your Cell Bill
    Money is tight for just about everyone right now, barring the cell phone company CEOs who are raking in more money than they know what to do with because you’re paying too much on your cell phone bill. Sometimes bills are inevitable to avoid, bu…
    - 50 days ago, 26 Feb 14, 2:51pm -
  • 5 Ways to Save $50-plus Per Month
    David Bakke constantly searches for new ways to save money and shares his findings on the personal finance blog, Money Crashers. Show me a bunch of ways to save $10 per month, and I won’t be too interested. Explain to me how to save $25 a month, an…
    - 4 Jun 13, 5:59am -
  • What is Superannuation?
    A girl I used to work with moved to Australia a few years ago and she recently came back to the US to visit her family. While she was in town I met her for lunch at the same old diner we used to eat at when we worked together. While Elaine and I wait…
    - 29 May 13, 8:00pm -
  • 10 Ways To Cut On Energy Costs At Home
    When it comes to reducing energy costs, little gestures can go a long way. By apply these 10 simple tricks at home, you will shrink your energy bill, all the while doing something good for the planet! 1. Fight the Phantom Load! You probably think tha…
    - 14 May 13, 6:10am -
  • Saving in the City: Ways to Lower Mortgage Costs in an Urban Area
    When the economy takes a nosedive and the unemployment rate remains at all-time highs, homeowners begin to scramble to look for real ways to lower their mortgage costs. Before refinancing a home, homeowners often search for other avenues of cash to h…
    - 9 Apr 13, 7:08pm -

Quizzle Wire

  • newYou Should Be Tipping These Five People
    In recent years, the practice of tipping has taken on a new level of controversy. Should you tip? When should...The post You Should Be Tipping These Five People appeared first on Quizzle Wire.
    - 7 hours ago, 17 Apr 14, 1:00pm -
  • newWhen Can You Get a Free Credit Score?
    It’s possible to get a free credit report from each of the three major credit reporting agencies just by asking...The post When Can You Get a Free Credit Score? appeared first on Quizzle Wire.
    - 13 hours ago, 17 Apr 14, 7:00am -
  • When Cash is Cheaper Than Credit Cards
    A credit card can be a great tool when used responsibly. It can net you cash or travel rewards, extend...The post When Cash is Cheaper Than Credit Cards appeared first on Quizzle Wire.
    - 2 days ago, 16 Apr 14, 7:00am -
  • What is a Drive-by Appraisal?
    This article is from our sister company, Title Source. If you’ve gone through the process of selling or buying a...The post What is a Drive-by Appraisal? appeared first on Quizzle Wire.
    - 2 days ago, 15 Apr 14, 10:41am -
  • When Should You Freeze Your Credit?
    Freezing your credit – seems a little drastic right? When you hear the term “credit freeze,” you may immediately think...The post When Should You Freeze Your Credit? appeared first on Quizzle Wire.
    - 3 days ago, 15 Apr 14, 7:00am -

Funny About Money

  • newFirst Experiment in Self-Publishing!
    Well, this is cool. The eBook Builder says our first adventure in self-publishing will be ready to go this week. And my old friend Jim Metcalf came up with a very handsome cover, despite the fact that every image of the rest of us could unearth with…
    - 21 hours ago, 16 Apr 14, 11:32pm -
  • Check Out Funny’s New Blog
    LOL! Yesterday was too hectic for much writing — or to get much of anything done — but I did manage to choke out a fairly hilarious post on my Corgi blog, a site I expect to feed into yet another planned book. A new RSS feed appears at left.  Ch…
    - 1 day ago, 16 Apr 14, 8:11am -
  • How Mu¢h I$ That Puppy…
    Killed the better part of the day cleaning house, a job made bigger and longer and far more tedious than usual by the amazing puppy mess. Had I started the day feeling well enough to get any productive work done (which I most assuredly did not), we c…
    - 3 days ago, 14 Apr 14, 8:25pm -
  • Progress Made: Business; Progress Made: Personal
    So, a new designer came up with a really nice cover design for the adjunct rant, to be called Slave Labor: The New Story of American Higher Education. Hot dang! It looks very handsome. The e-book conversion dude is very pleased. So am I. Slave Labor…
    - 5 days ago, 13 Apr 14, 1:12am -
  • Endless Thrashings-About
    Haven’t had a chance to post here because every minute that hasn’t been occupied with work has been occupied with dead exhaustion. A difficult Chinglish scholarly paper arrived early in the week. That took two full days (by full, we mean somethin…
    - 6 days ago, 11 Apr 14, 9:59am -

Yes, I Am Cheap

  • How I Went From Being Broke to Being Cheap
    My financial life: Oh boy has it changed Good morning Yes, I am Cheap friends.  My name is Kristina and I’m the daily blogger over at Dinks Finance.  Today Sandy has graciously invited me over here to share the story of how I went from being brok…
    - 1 day ago, 16 Apr 14, 8:48am -
  • Help A Reader: I’ve Got Serious Student Loans
    I’ve been stuck, seriously stuck with the worst case of writer’s block.  I could not get one word on a page…that is until I received an e-mail from Terri.  Here goes! Hi there! Your story is inspiring and I could use some practical, objective…
    - 29 days ago, 20 Mar 14, 7:00am -
  • Video: Stop Giving Uncle Sam A Free Loan
    With Tax Day only a month away if you haven’t already filed your taxes, you’re probably thinking about it. According to the IRS, of the 48 million tax refunds processed through the end of February, the average tax refund was $3034. That’s a pre…
    - 36 days ago, 12 Mar 14, 10:05am -
  • Grow Your Own Dough Challenge 2 Months In
    Way back at the beginning of the year I hopped into a friendly little wager among personal finance people to see who would have the highest value portfolio at the end of the year.  Now that we’re passed two months, it’s time to see how my invest…
    - 45 days ago, 3 Mar 14, 12:58pm -
  • How I Doubled My Net Worth In Five Years On A Crappy Salary
    With all of the things that I share on this site my net worth has never been one of them.  It’s not like I’m an incredibly private person, but I always felt as if I should hold at least ONE thing close to the chest.  That’s about to go right…
    - 62 days ago, 14 Feb 14, 9:22am -

Prairie EcoThrifter

  • newContingency Budgeting: Low, Medium, and High
    Have you ever made a contingency budget- a plan for how you would pay your bills if you suddenly lost your income or how you would handle an unexpected windfall of cash? Have you even created a budget for your current expenses? It can be beneficial t…
    - 20 hours ago, 17 Apr 14, 12:28am -
  • End of Life Planning: Is It Right for You?
    We live in a world where people document their every move.  From blog posts where people share the intimate happenings in their lives to selfies where people share pictures of themselves throughout the day to brief Twitter posts where people share s…
    - 2 days ago, 16 Apr 14, 12:28am -
  • Spring Cleaning for Your Social Media Accounts
    I’m one of those people who throws herself into spring cleaning early in the season and doesn’t stop until the house is spick and span. I don’t stop there, though. I spring clean my computer, my files, and my diet, too. I find myself taking my…
    - 3 days ago, 15 Apr 14, 12:28am -
  • Avoid These Financial Mistakes with Your Kids
    There are many things that parents shouldn’t do when trying to instill good financial skills and values in their offspring. Lots of them are common sense – things like not spoiling your kids by giving them everything they want. Here are some that…
    - 4 days ago, 14 Apr 14, 12:28am -
  • The High Price of Excuses, Justification, and Avoidance.
    Last week I was having a conversation with an acquaintance who just moved to Central Park Towers, a luxury building right on Central Park West in Manhattan, i.e. my dream location… if I had a million dollars. Considering that she too is an unemploy…
    - 7 days ago, 11 Apr 14, 12:28am -

Debt Free Marriage

  • Husband, Your Wife Needs Financial Stability.
    Gentlemen, please permit me to explore a touchy subject. It has to do with your wife and her job. In terms of providing for the family, I put that responsibility solely on the man in the relationship. Why? Because as MEN, that’s what we do. We ACCO…
    - 5 Dec 13, 9:00pm -
  • What the credit card companies don’t want you to know
    The following post was written by The Simple Money Blog, and I felt it was particularly relevant for the Debt Free Marriage audience. It is from a fellow personal finance blog that is coauthored by a husband (“KJ”) and wife (“AJ”). Happy read…
    - 27 Jan 13, 7:30am -
  • Why do Credit Cards Cost More than Bank Loans? [Podcast]
    Suppose I have an $8000 credit card and an $8000 bank loan. They both have the same interest rate of 14.4% AND they both have the same payment of $220. You would think that these two loans would get paid off at the same time, but that would be very w…
    - 31 Oct 12, 1:55pm -
  • How to Give “Bad Financial News” to Your Spouse
    Last year, one Friday afternoon, I received a notice in the mail from my mortgage company. It basically said that my payment was about to go from $770 to $1600 effective immediately. After the shock wore off I called the mortgage company, but they we…
    - 14 Oct 12, 2:18am -
  • Overextended much?
    Lately I’ve found myself a bit overextended. I’ve started too many projects and I’m finding it difficult to juggle them all and keep them all going. Each website I’ve created requires a considerable amount of time to update and maintain. I th…
    - 20 Aug 12, 9:37am -

Wealthy Turtle

  • newParents ‘Frozen’ Out of Merchandise From Hit Movie
    If you have young children who are experiencing Frozen-mania you’re probably sick to death of hearing them belt out the lyrics to “Let It Go” at the top of their lungs.  You may also be tired of hearing them beg for all the dolls, outfits, clo…
    - 14 hours ago, 17 Apr 14, 5:46am -
  • 12 Times It’s Okay To Be Cheap
    This morning I read an article on Yahoo Finance titled 12 Times Being Cheap is Totally Worth It.   The author shares 12 examples of items where you don’t need to spend a lot of money to get good quality.  I’m all for saving money at the superm…
    - 2 days ago, 15 Apr 14, 9:12am -
  • Darth Vader’s Top 5 Tips For Saving Money
    Okay, I admit it…I’m a bit of a Star Wars nerd. I used to beg my dad non-stop for the newest Obi-Wan or Admiral Ackbar figures. And I completely wore out my VHS tapes of the original trilogy until they were virtually unwatchable (much like any of…
    - 11 days ago, 7 Apr 14, 7:37am -
  • Capital One 360 Online Savings Review
    If you’re looking for an online bank that offers interest rates far better than any brick and mortar bank plus a bunch of other customer-friendly features, I strongly recommend you consider opening a Capital One 360 savings account. I’ve had a Ca…
    - 16 days ago, 2 Apr 14, 5:18am -
  • 5 Reasons an Online Business Beats Brick and Mortar
    A couple years ago a buddy of mine had a backyard birthday party for his son and a few of us were sitting at a table knocking down beers and talking about how quickly time flies by. Inevitably, the conversation turned to work and everyone started com…
    - 17 days ago, 1 Apr 14, 5:09am -

20's Finances

  • Seeing Things Through To The End
    Ahh, spring! After the winter we had, spring is certainly welcomed by most everyone. With spring comes the warm weather, longer days and thoughts of the upcoming summer. While all of these things are good, they can also derail your studies. Trust me,…
    - 2 days ago, 15 Apr 14, 4:52pm -
  • The Dangers of Earning More Money
    If you are starting to earn a little money from a side gig or are thinking about starting a side gig, you want to make sure you aren’t falling into this trap. Earning a little extra money hardly sounds like it is a bad thing. Who couldn’t use a l…
    - 3 days ago, 15 Apr 14, 4:00am -
  • Using The Internet To Save Money

    - 8 days ago, 9 Apr 14, 8:40pm -
  • Different Investment Strategies: Structured Settlements
    How are young adults, who have had little to no experience with investing, supposed to sort through the myriad of investments while also not delaying this very action? The obvious answer is to first admit that it is a challenge and there is no simple…
    - 8 days ago, 9 Apr 14, 8:32pm -
  • Three Simple and Proven Methods to Save ENOUGH for Retirement
    Young adults struggle with retirement planning - as they should. For a recent college graduate, there way too many variables to accurately predict their retirement costs. Some people attempt to simplify the calculations by saying to use a percentage…
    - 14 days ago, 3 Apr 14, 10:39am -

Careful Cents

  • The Mint.com Manual: Q&A With Author Tim Murphy
    I’m a long-time Mint.com user and pretty big fan of their online budgeting software. It works great for creating a monthly game plan of how I’ll spend my personal income as well as creating long-term goals for investing and saving. But the only t…
    - 9 days ago, 9 Apr 14, 8:00am -
  • 5 Surprisingly Simple Ways to Spring Clean Your Business Finances
    Ahh, spring is in the air, which of course means time for spring cleaning! I actually like spring cleaning, in all forms. But I especially love cleaning my business finances and finding more efficient ways to get things done. Many of us are finishin…
    - 16 days ago, 2 Apr 14, 6:00am -
  • Why I Said NO to Freelancing and Didn’t Regret It
    My journey as a freelance writer began after I moved home from New York city in 2012 and started my blog, L Bee and the Money Tree. After I basically talked about my blog non-stop on an interview to be his executive assistant, my old boss offered me…
    - 18 days ago, 31 Mar 14, 7:00am -
  • 3 Ways Self-Employed Freelancers Can Avoid a Huge Tax Bill
    There are some awesome advantages to being your own boss; setting your own hours, traveling when you’d like, and the potential to bring in more income. However, since you’re no longer an employee (that gets the benefit of having an employer pay h…
    - 21 days ago, 28 Mar 14, 6:00am -
  • 3 Ways to Harmoniously Blend Your Side Business Alongside Your Full-Time Job
    This post is from new contributor Kali Hawlk who’s documenting her journey to quitting her day job and starting her freelance business. There are two elements in life that most of us feel we will never have enough of. The first is money. The goo…
    - 28 days ago, 21 Mar 14, 7:00am -

Everything Finance

  • newLooking for a Job? What You Should Know
    Looking for a Job? What You Should Know is a post originally published on: Everything Finance - Everything Finance - Its all about Money!After switching jobs five times in five years, I feel like I’ve learned a few things when it comes to looking…
    - 7 hours ago, 17 Apr 14, 12:55pm -
  • What To Do If You Owe Taxes but Don’t Have the Money to Pay
    What To Do If You Owe Taxes but Don’t Have the Money to Pay is a post originally published on: Everything Finance - Everything Finance - Its all about Money!Every year, the deadline for Americans to file taxes is April 15th (unless the day falls…
    - 7 days ago, 10 Apr 14, 11:24pm -
  • How We Survived on One Salary
    How We Survived on One Salary is a post originally published on: Everything Finance - Everything Finance - Its all about Money!Throughout our four years of marriage, there have been two occasions where my husband and I had to live off of one salary…
    - 7 days ago, 10 Apr 14, 5:09pm -
  • Choosing the Right Vehicle for Your Business
    Choosing the Right Vehicle for Your Business is a post originally published on: Everything Finance - Everything Finance - Its all about Money!A small business will go to great lengths to save money. Some ambitious entrepreneurs will sell their car…
    - 12 days ago, 5 Apr 14, 6:07pm -
  • How I Plan on Saving Money with My Second Baby
    How I Plan on Saving Money with My Second Baby is a post originally published on: Everything Finance - Everything Finance - Its all about Money!When I found out I was pregnant with my first child three years ago, I knew I wanted to do things the fr…
    - 13 days ago, 4 Apr 14, 11:43pm -

ComplexSearch

  • When It Comes to Acquiring New Bank Customers, Ratings Matter But Customer Reviews May Make the Difference
    The bank you choose makes just as much of an impact on you as the car you drive, the phone you use, or the insurance you depend on. The banking industry may seem different on the surface, but the reality is that many customers make the decision of wh…
    - 13 Nov 12, 9:25pm -
  • Is 730 a Good Credit Score?
    Credit scores range from 300 all the way up to 850, so a credit score of 730 is certainly considered “good.” However, it’s still too low to be considered “excellent.” Prior to the recession, a score in the upper 600s was good enough to ge…
    - 3 Oct 12, 11:19pm -
  • Is 725 a Good Credit Score? Read Credit Expert’s Opinions
    It may seem strange that paying off debt will help your score improve, because your credit score is based on your levels and types of debts, but it is true. Reducing your debt can help you get better mortgage rates and interest rates on auto loans. I…
    - 3 Oct 12, 11:14pm -
  • Is 720 a Good Credit Score? Read How Your Score Ranks
    Before the financial crisis hit, 720 was considered a good enough score to get the best rates on auto loans and mortgage rates. While 720 is not a bad number, the highest credit score is 850, you can raise it up to a higher number like 760 which is t…
    - 3 Oct 12, 11:05pm -
  • Is 715 a Good Credit Score? Learn What Experts Think
    If you’ve got a 715 credit score, you’re doing pretty well and it’s by no means a bad credit score. When you go to take out an auto loan or check around for the lowest mortgage rates, you’ll be able to get a good rate, but not the best.  Thi…
    - 3 Oct 12, 10:58pm -

50 Plus Finance

  • Considerations When Taking out a Home Loan for the First Time
    Buying your first home is exciting business, but it’s also a source of stress and uncertainty for those who have never taken out a mortgage before. But don’t let that discourage you. You’re about to pass an important milestone in life, and as l…
    - 1 day ago, 16 Apr 14, 7:46pm -
  • Getting the Most Out of Your Savings
    money (Photo credit: 401(K) 2013)Getting the most out of your savings seems to be harder than ever these days. With interest rates incredibly low and bank fines high for any mistakes that you make, it is easy to believe that you’re not actually sav…
    - 1 day ago, 16 Apr 14, 2:35pm -
  • How To Save Money When Customizing Your Home
    Customizing your home can be a challenge. If you’re on a budget the challenges can seem overwhelming. The great thing is that it doesn’t have to be. You can customize your home with a little creativity and planning. Using a few strategies you can…
    - 9 days ago, 8 Apr 14, 8:45pm -
  • The Truth About Identity Theft: 6 Tactics To Keep You Safe
    The problem of identity theft is growing worse every year. Criminals with the smallest amount of personal information can now steal an identity and cause damage that could take years to repair. Criminals are also finding new and inventive ways to ste…
    - 13 days ago, 4 Apr 14, 8:45pm -
  • Six Items Or Services You Didn't Realize Are Draining Your Wallet
    One of the best ways to get control of your finances is to focus on products and services that are not needed or you are simply spending too much money on. Once you become aware of your spending habits, you will most likely recognize issues specific…
    - 15 days ago, 2 Apr 14, 5:29pm -

Sunk Costs Are Irrelevant

  • PenFed CD Rates Looking Strong
    I am not in the market for a CD right now, but if I were, I would certainly be heading to PenFed.  PenFed CD rates, even on short term side are looking strong.  The 2 year at 1.41% is really…Read more ›The post PenFed CD Rates Looking Strong…
    - 3 Dec 13, 7:45am -
  • Let’s Talk About Envy
    Let’s talk about envy.  I’m not talking the good kind that motivates you to save more like every time I read about someone maxing their 401k, Roth, and contributing to another traditional IRA or brokerage account.  I can do the…Read more ›…
    - 2 Dec 13, 1:17pm -
  • Net Worth Trends: A Good Run in ’13
    I was having a discussion over on Debt Blag that made me want to take a look at some of the trends in my net worth since I started calculating them.  As you can see in the LONG table below,…Read more ›The post Net Worth Trends: A Good Run in…
    - 5 Nov 13, 9:46am -
  • Interactive Investor – Don’t Forget about Your Future
    The following is a guest post brought to you by one of our partners. Don’t Forget About Your Future Life is hard isn’t it? It seems like the older I get, the more I wish I was a child again.…Read more ›The post Interactive Investor – Don…
    - 31 Oct 13, 7:52pm -
  • Maximizing What’s in Your Wallet Q4 2013
      Welcome to the Q4 2013 government shutdown edition of Maximizing What’s in Your Wallet! As a reminder, this post is for all the credit card deadbeats out there looking to maximize cash back rewards. So, if you never carry a balance…Read mor…
    - 1 Oct 13, 9:41am -

Afford Anything

Family Money Values

  • newChoose Wealth! Be a Millionaire by Midlife.
    Have you ever wondered how people get rich? Why is it that some folks manage to accumulate significant amounts of wealth while others just scrape by? Only 1/4 of Americans end up with more than half a million by their … Continue reading →
    - 19 hours ago, 17 Apr 14, 1:00am -
  • Lets Rewrite History!
    Have you ever noticed that it can be easier to imagine yourself doing something if you know about someone else who has done that same thing? You think to yourself, hey if she did it, so can I! It’s even … Continue reading →
    - 4 days ago, 14 Apr 14, 1:00am -
  • What to Do With the Family Compound?
    Does your family have a place where everyone (including those distant cousins) gathers for summer vacation, holidays or weekends? If that place is not the primary residence of any one family member, you may have a ‘family compound’. I know … Co…
    - 10 days ago, 8 Apr 14, 1:00am -
  • Review of: Outsmarting the System
    Lower your taxes, control your future and reach financial freedom by Anthony C Campidonica, Copyright 2014, published by Sciopress, inc Summary: Campidonica is a CPA and former IRS tax auditor. He promises a high level book and delivers it. The syst…
    - 17 days ago, 1 Apr 14, 1:00am -
  • Your Digital After Life
    Should your heirs be able to access your online accounts after you die? The internet is such a relatively recent adventure that everyone is still trying to figure out what should and shouldn’t happen to your online accounts after you … Continue r…
    - 24 days ago, 25 Mar 14, 1:00am -

Stumble Forward

  • SFP 008: 3 Internet Marketing Courses That I Recommend
    If you’ve ever considered starting your own website and even more making money with that website you may think you could just follow a few of the popular bloggers and everything would just magically come together.   The truth is starting a website…
    - 4 days ago, 14 Apr 14, 7:51am -
  • Want To Escape The Banks: Try These Top 4 Funding Tips
    There’s never a good time to run out of money, is there? If there was, people would be able to eke out their cash until that perfect time when it was fine to not have any. But, there’s no good time to run out of money. More than this, trying to s…
    - 6 days ago, 11 Apr 14, 8:22am -
  • SFP 007: 7 Things You Should Know Before Joining An Internet Marketing Course
    In this episode of the Stumble Forward Podcast I talk about the 7 things you should look for before you join an internet marketing course.  I recently just joined my seventh, yes you heard me right, seventh internet marketing course and over the yea…
    - 11 days ago, 7 Apr 14, 6:59am -

DollarVersity

  • Shop Local: The Stores You Oppose Started Small And Local
    The calls to “shop local” have been growing louder year after year. Even one of the largest credit card companies, American Express, started a movement called “Small Business Saturday” to entice consumers to shop at small businesses. It seems…
    - 25 days ago, 24 Mar 14, 6:00am -
  • The BIGGEST SECRET About Taxes You Will EVER Read!
    I bet you thought you were going to be blown away by some super-secret, S.H.I.E.L.D. level 10-access info, huh? You probably saw the title and thought “Oh, wow, now I’m going to get the real scoop!” Or, perhaps you just clicked on the link beca…
    - 36 days ago, 12 Mar 14, 12:50pm -
  • How To Look Like A Fool When Asking For A Discount
    I have lots of clients who make me shake my head. There’s the people who hand their kids everything on a silver platter. There’s the guy who calls at least once a week with a new scheme to avoid paying taxes (“scheme” being the operative word…
    - 50 days ago, 26 Feb 14, 9:27am -

Money Matters Guy

  • What to Do After a Car Accident
    Car accidents can be extremely frightening experiences.  If you are unlucky enough to be involved in one but manage to escape without any injury it is highly likely that you will end up suffering from some form of shock or at the very least you’ll…
    - 25 Mar 13, 10:56am -
  • Couponing Strategies
    With all the rage about using coupons to save money – even shows on television – you may be wondering how you can get in on the action.  Well, it’s actually pretty easy, and here are some of the top strategies that you can use right now to get…
    - 21 Dec 12, 1:11pm -
  • Planning for University Life
      This year has seen the first students beginning university life with the new increase in tuition fees. Those going into first year now are required to pay £9,000 each year in fees, but according to the National Union of Students (NUS) are likely…
    - 21 Dec 12, 1:11pm -
  • Accidents at Work
    Accident at work? That won’t happen to me! Well, as much as you’d like to think that you’ll never get an injury in your office, there’s always a chance that you could. That’s why it’s essential for you to know what steps to take if it hap…
    - 3 Dec 12, 5:09am -
  • Managing Your Cash Flow
    All SMEs need to manage their capital and cashflow. Having a steady supply of working capital is vital to meet monthly payment demands, as well as stabilising the business and helping push into new territories and markets. However, many SMEs continue…
    - 2 Dec 12, 5:09am -

Don't Quit Your Day Job

  • newA Visualization of IRS Collections Since 1960
    On this page is a visualization of the sources for tax revenue collected by the IRS between fiscal years 1960-2013 in the United States. All data in the visualization comes from the IRS’s 2013 Data Book. Apologies to our cell phone readers – you…
    - 17 hours ago, 17 Apr 14, 3:15am -
  • Oh, Your House? It Was a Bad Investment.
    In this article, we present a Home Investment Calculator.  We estimate median values and actual returns for any of 356 American Metropolitan Statistical Areas in an attempt to tell all of our American readers exactly how well their homes have perfor…
    - 4 days ago, 14 Apr 14, 6:15am -
  • The DQYDJ Weekender, 4/12/2014
    I’m sure you’ve heard, but around half the internet had been compromised for about the half year due to the so-named Heartbleed bug.  We know that it was found at least 3 times – by the NSA (probably), by Google, and by a Finnish researcher, L…
    - 5 days ago, 12 Apr 14, 2:05pm -
  • Is a Tax Refund Really That Bad to Receive?
    Ahh, April.  Your taxes are now (or will shortly be) filed, and you’ve got a tax refund on the way. All’s right in the world, right? Well, yes – but in the Personal Financial niche, you can expect the sanctimonious chants of “but you gave th…
    - 9 days ago, 9 Apr 14, 6:00am -
  • Taking the Market’s Temperature – Main Street Edition

    - 11 days ago, 7 Apr 14, 6:30am -

The Debt Princess

Below Your Means

  • Investing – My Thoughts on the New T. Rowe Price Emerging Markets Local Currency Bond Fund
    I am always looking for funds and investments that are both relatively conservative and align with my basic economic outlook.  Since I generally believe stocks are overvalued and are being held up entirely by government stimulus and central bank mon…
    - 28 Jun 11, 6:00am -
  • Below Your Means Basics: Understanding Savings and Wealth Creation
    Our Below Your Means Basics series this week deals has been focused on looking at your finances from a perspective of your Net Worth.  We started the series discussing Income vs. Net Worth, and then took a look at debt.  Today, we’ll be taking ab…
    - 22 Jun 11, 6:00am -
  • Frugal Tip: Top 4 Free PC Tools
    Utilities and tools that promise to make your PC faster and virus free are a very big business.  You will see countless infomercials and popup ads trying to sell you some product to rid your machine of slowness and nasty viruses.  Unfortunately, mo…
    - 21 Jun 11, 6:00am -
  • 7 + 1 Life Lessons from the Very (and Not So Very) Wealthy
    Over the weekend Barry Ritholtz published an excellent column in the Washington Post listing 7 lessons he’s learned through his interactions with high net-worth clients.  The lessons reflected a number of the values we have at Below Your Means. …
    - 20 Jun 11, 1:00pm -
  • Below Your Means Basics: Understanding Your Debt
    Before we get started, if you are months away from foreclosure or other serious financial consequences, this is not the article for you. We do not cover issues like bankruptcy, credit repair, or debt settlement agencies. Consider consulting the assis…
    - 20 Jun 11, 6:00am -

Humble Savers

  • 5 Budgeting Tips to Help Save For Your Next Home Renovation
    There are many tips out there that can help you save a lot of money on your next renovation, but here are five of the most important. 1. My Work Don’t hesitate to work on the small jobs yourself, if you think you are capable of doing it or have the…
    - 8 days ago, 10 Apr 14, 5:14am -
  • Investing – Everything You Need To Know
    You don’t need a degree in finance or economics to earn money through investing. With a lot of patience, diligence, and a little initial luck, you can learn the ropes of successful investing without worry. By following this guide, you will be able…
    - 9 days ago, 9 Apr 14, 7:00am -
  • A Guide To Smart Legal Leasing In Australia
    Owning and leasing a property is generally a smart financial move, generating a useful income with limited time and material investment. However, it isn’t entirely hassle-free and there are some important factors to remember in order to make the pr…
    - 37 days ago, 12 Mar 14, 5:09am -
  • Debt Consolidation Options, What’s Right for You?
    With current figures showing that Australia’s borrowing level is at an all-time high, now might be the time to consider consolidating your debts. Just five years ago our average debt per person figure was half what it is today, an astonishing leap.…
    - 41 days ago, 7 Mar 14, 5:24pm -
  • Moving For Cheaper – How To Save Money On Your Relocation
    Not only is moving one of life’s most stressful experiences, it’s also one of the most expensive. Moving for less is the only way to go, especially when you’re relocating several kilometres away. The following tips provide practical ways to sav…
    - 49 days ago, 27 Feb 14, 4:15pm -

RabbitFunds

  • Take a Chill Pill: Confessions of a young mother of three
    Many of you reading this post are parents and completely understand and sympathize with me when I say - today has been one of those days where I have constantly needed to remind myself that my children are a blessing.Take a Chill Pill: Confessions o…
    - 31 Oct 12, 5:34pm -
  • Family Time on a Dime
    First, let me define drawing closer to someone. By drawing closer I am specifically referring to spending quality time. Time that will encourage communication, increase love, build understanding and result in laughter.Family Time on a Dime is an a…
    - 16 Oct 12, 7:51am -
  • The Cost of Couponing: Is it really worth it?
    Back in 2009, I wrote Why coupons could cost you more money. Today, I bring you an awesome post from the female perspective.Most of you, I am sure, have probably cut coupons at some point. Coupons were first used in America in 1909 when Post made an…
    - 11 Oct 12, 8:40am -
  • New Retirement Planning Strategy: Raise a Financially Literate Child
    The financial difficulties that we’ve experienced in recent years should both reinforce the need for financial education and give you a sense of the exact types of skills you need to pass on to your child.New Retirement Planning Strategy: Raise a…
    - 9 Oct 12, 9:00am -
  • How to Feed a Healthy Family on a Tight Budget
    As a young mother of three beautiful children and the wife of a grad student, I have been forced back into the college budget. You know, the one where after all bills and obligations are payed you have approximately $50 to live on (small exaggeratio…
    - 27 Sep 12, 3:22pm -

I Am 1 Percent

  • 7 High Costs of Renting Out Vacation Homes
    Owning a vacation home is a great accomplishment for many – whether they plan to use the properties as retirement homes, frequent personal getaways or vacation rental properties. A second mortgage for a vacation home is, of course, a debt each borr…
    - 10 days ago, 8 Apr 14, 7:40am -
  • Net Worth Update (+3.3%)
    Click here to see my current net worth. The month of March ended up due to broader stock market gains.  Overall, my net worth increased by $56,882 since my last update early March.  Keep in mind, this update is from April 2nd, and doesn’t includ…
    - 11 days ago, 7 Apr 14, 7:21am -
  • Net Worth Update (+9.4%)
    It looks like I just missed the most recent update from Rock Star Finance.  I was in new hire training all last week and didn’t have time to make any updates. Click here to see my current net worth.  In short, it was my best month ever from an a…
    - 38 days ago, 11 Mar 14, 6:50am -
  • New Job Offer
    For those who have been following my blog, you know that I’ve been searching for a new job.  My current commute is 1.5 hours.  Although I am able to work from home 2-3 days a week, my chance for advancement is limited if I can’t put in the face…
    - 58 days ago, 18 Feb 14, 8:20am -
  • February Net Worth Update (-5.5%)
    Sorry for not updating my net worth, but I’m close to a new job and things have been hectic.  Never mind that my net worth dropped almost $100,000!!!  Anyway, I did see some significant traffic from Rock Star Finance, so I figured I should keep m…
    - 65 days ago, 11 Feb 14, 8:36am -

Money Infographics

  • Big Expenses That Might Require a Personal Loan
    Getting a personal loan is a decision that shouldn’t be taken lightly. The most important thing to remember is to pay the loan off as quickly as possible or at the very least pay the minimum loan amount to maintain a respectable credit rating. But…
    - 36 days ago, 13 Mar 14, 3:22am -
  • Purchasing fine art
    There is money to be made in fine art and endless joy to be had in acquiring fantastic works. Yet, from afar, this world can seem as distant as say, a galaxy far, far away. What perhaps startles most people looking to invest in their first work of ar…
    - 60 days ago, 16 Feb 14, 11:31am -
  • Stop Running away from your energy bill [Infographic]
    Picture the ability to manage your home with the simple press of a button; ADT Pulse does just that. It’s more than home security; it’s convenient, “smart” living that delivers a complete peace of mind. Built with Z-Wave™ wireless technolo…
    - 62 days ago, 15 Feb 14, 5:28am -
  • The Superbowl – Champion of All Brands [Infographic]
    Think you know everything there is to know about the Superbowl? Not so fast! The Superbowl is an annual event that captivates fans from all over the globe; watched by over 150 Million people worldwide. The game is broadcast in over 30 languages and t…
    - 78 days ago, 29 Jan 14, 3:49pm -
  • Deciphering office jargon [Infographic]
    Do you love to think outside the box to really move the needle? Chances are you are either guilty of office speak or know someone in the workplace who does. When you’re new to an office environment, it can sometimes feel like a new world, though th…
    - 81 days ago, 26 Jan 14, 2:37pm -

Money and Map

  • Best Place To Find Information
    List of My Favorite and Most Visited Websites Forums, Websites and Wikis   Slickdeals.net Save money here by finding the […]Keep Reading A Related Topic:List of Money Saving Stacking Tips and Tricks for Holiday Shopping   Black Friday, Small Bu…
    - 30 Jun 13, 7:26am -
  • Why And How To Benefit From Referral Programs
        Frequently I post refer a friend programs to share ideas for generating extra money. Whether you have a […]Keep Reading A Related Topic:Check Out Ebates Special Promotion For Cash Bonus     Ebates, a popular...Reminder: Discover Card Ref…
    - 9 May 13, 9:59am -
  • We Can Eat Free All Month
      My email ‘inbox’ had a nice surprise this morning.  For Mr. MoneyMap’s birthday, Marriott Hotels offered a free elite […]Keep Reading A Related Topic:How To Get Free Kids Meal Coupons   For Friday Freebie, I...Tip For Free Food When T…
    - 5 May 13, 7:50am -
  • Flexibility: Why I Like This Feature Of 529 College Savings Plan
      Earlier I posted a method for college students to grab a few extra dollars via Serve’s signup bonus. While […]Keep Reading A Related Topic:Gangnam Style and Health Savings Account   At a certain point...Moving Soon? Remember Your Tax Bene…
    - 2 May 13, 9:02pm -
  • MIB. Find Out What They Know About You Before It’s Too Late
      Applied for life, disability, or health insurance within the last seven years?  MIB has a file on you. MIB […]Keep Reading A Related Topic:Gangnam Style and Health Savings Account   At a certain point...Did Your Check Get Rejected? Find Out…
    - 1 May 13, 3:21pm -

Debt Free Squad

  • Motivation Quotes by Zig Ziglar
    ) People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily! Get your daily motivation with the Debt Free Squad. For more motivational one minute videos, check out: http://www.debtfreesquad.com…
    - 35 days ago, 13 Mar 14, 9:45am -
  • Be the Prayer Warrior in Your House
    Are you ready to be the prayer warrior in your house? 1 Chronicles 16:11 says “Look to the LORD and his strength; seek his face always.” Time to call upon your source for strength by praying routinely. Have trouble sticking to a schedule? Why not…
    - 37 days ago, 11 Mar 14, 7:52pm -
  • No Questions Asked!
    No Questions Asked money. This and a few more useful things to remember on your way to debt freedom. For more awesome one-minute motivational videos, check out: http://www.debtfreesquad.com/one-minute-motivational-videos/ For the FREE 40-Week Debt Re…
    - 60 days ago, 16 Feb 14, 2:54pm -
  • Bible Verses About Money
    Did you know that the Bible talks about money more than heaven and hell combined? Money is important, and God has plenty to say about it. Tune in for one minute to learn what God has in store for you and your finances. For more awesome one minute ins…
    - 69 days ago, 7 Feb 14, 3:12pm -
  • What is a timeshare? And why you should avoid them!
    What is a Timeshare? The Good, Bad and Ugly So what is a timeshare? The financial guru, Dave Ramsey says to NEVER buy a timeshare. After having two timeshares for the last seven years I would probably have to agree. Robin and I have an oceanfront one…
    - 83 days ago, 24 Jan 14, 9:47am -

Teen Financial Literacy: It Starts at Home

  • Raise Those Expectations!
    Most parents, in the Old School Model (check out the WealthQuest for Teens’ Parent Guide for details), think their teen has done something amazing if they make a donation to a charity or save for a really big purchase or put away some money for the…
    - 70 days ago, 6 Feb 14, 7:11am -
  • Parents, Teens, and Money: Budgeting and the Broken Record
    With regards to parents, teens, and money, we are full of automatic responses, most of which don’t really make sense OR make a difference with kids when we really look at them. One example is BUDGETING. Budgeting your money is just like dieting—t…
    - 71 days ago, 6 Feb 14, 7:07am -
  • Where to begin: Keep track of your money
    I admit, this one took me a while to get together!  When I started to make my money work, I had NO IDEA how much money I had, where it was, what it was for, or what it was doing!  Man, I wished I had learned to do this when I was young, before the…
    - 73 days ago, 4 Feb 14, 7:07am -
  • Is Money in Your Teen’s “Circle of No Control”?
    Sean Covey, in his book The 7 Habits of Highly Effective Teens, advises readers to identify those aspects of life that they can control and those that they can’t control.  When teens are learning how money works and how to manage their money effec…
    - 75 days ago, 2 Feb 14, 7:08am -
  • How Safe is Your Teen from a Disastrous Financial Future?

    - 76 days ago, 31 Jan 14, 7:16am -

Go Banking Rates

Billeater

  • Cold Getting Too Much? Choosing a Safe and Affordable Space Heater
    Be Safe, Be Warm, Be FrugalAs people suffer through one of the coldest winters on record in recent years, many are seeking additional ways to heat their homes at the lowest cost. Fuel prices continue to soar and electric bills rise as family membe…
    - 53 days ago, 23 Feb 14, 2:00pm -
  • Relax, You've Got Time - Two Great Options to Replace Windows XP
    Windows XP users, you’ve known this day was coming eventually. You resisted Vista and Windows 7 and you were right to do so. Windows XP turned out to be a reasonably robust platform with few of the more laughable problems in the Windows history…
    - 54 days ago, 22 Feb 14, 2:00pm -
  • Watch Out for this Scam - Small Charges a Big Scam
    Scammers try to fly under your radar by charging small amounts on your credit card.When logging on to your credit card account, have you noticed any peculiar charges that you can't remember making? The Better Business Bureau recently released a na…
    - 55 days ago, 21 Feb 14, 2:00pm -
  • Looking for a Cheap Way to Invest? How Does Free Sound?
    New stock-buying options for those with just a little to invest.Regular consumers have been cautious about investing in stocks for years. While there's a lot of money to be made, the potential comes with a great amount of risk. With the steady ris…
    - 59 days ago, 17 Feb 14, 2:00pm -
  • Power Budgeting - Use this Essential Business Principle to Save More Money in Less Time
    Get more from your money saving efforts!Sometimes, a nifty rule-of-thumb rule can be a handy reminder to do things that are either difficult to imagine or hard to remember. Ideas like the Pareto Principle are one of those that can help break throu…
    - 60 days ago, 16 Feb 14, 2:00pm -

The Credit Letter

  • Interview with iFlyflat – The Frequent Flyer Points Expert
    Ever wondered how to fly first class? To find out, I sat down for a coffee to interview frequent flyer points expert, Steve Hui of iFLYflat. In this interview I ask Steve about his unique perspective on travelling in style using frequent flyer points…
    - 17 Oct 13, 2:12am -
  • What Does a Financial Plan Include?
    A financial plan is used to analyse your financial situation, as well as your goals, and from that information, address areas that could be improved. It can help in many situations, especially for those looking to take the next step in their life, su…
    - 11 Aug 13, 5:01pm -
  • Deciding Your Financial Goals
    People often turn to a financial planner to help simplify their finances and set achievable financial goals, providing greater confidence to plan for their future. These include such things as budgeting, cash flow management, savings plan, superannua…
    - 4 Aug 13, 4:48pm -
  • What’s in a Name? Community CPS Reinvents Itself
    As of this morning, Community CPS Australia, one of the nation’s thee largest credit unions with over $4 billion in assets, has become a mutual bank and changed its name to Beyond Bank Australia. We spoke with Chief Executive Officer Robert Keogh t…
    - 1 Aug 13, 5:45am -
  • Why Use a Financial Planner?
    Planning for your future is important, especially with regard to your finances. Each stage of your life will require different money management. Whether you’re looking to buy your first home or planning for retirement, a financial planner acts as y…
    - 29 Jul 13, 10:13pm -

BIDaWIZ

  • What do I need to know when applying for a business loan?
    The most important thing to understand is what your options are so you do not waste your valuable time pursuing financing alternatives that you may not qualify for or may not be right for you. There are a wide variety of loan products available, b…
    - 6 days ago, 11 Apr 14, 10:36am -
  • Tax Deductible Health Savings Account Contribution Deadline
    The tax deadline is also an important date for health savings account (HSA) contributions. Similar to an IRA, you have the option of electing whether or not you want to apply the contributions to the 2013 or 2014 tax year. Find out the best ways…
    - 10 days ago, 7 Apr 14, 6:12pm -
  • What Should You Do If You Have A Large Medical Bill?
    Many health insurance providers will not cover the entire cost of a hospital visit. Your coverage will vary by provider, but in many cases you can expect 60-80% of the medical bill to be covered by your insurance. This can result in a medical bil…
    - 13 days ago, 4 Apr 14, 10:27am -
  • Finally, A Real Lending Option For Small Businesses
    Despite the fact that small businesses continue to be the lifeblood of the US economy, traditional bank lenders have neglected this important segment of the lending market. Fortunately, innovative alternative lending platforms such as Fundation ha…
    - 14 days ago, 3 Apr 14, 7:44pm -
  • Do Your Employees Hate Their Job Or Just You?
    It's typically very difficult for managers to keep all of their employees happy at all times. Having said that, it's important to understand that most of the time when an employee decides to leave the company, it isn't always because they don't lik…
    - 14 days ago, 3 Apr 14, 7:44pm -

The Truth About Mortgage

  • newThe Typical Renter Needs an FHA Loan to Buy a House
    Last week, the National Association of Realtors (NAR) argued that higher mortgage insurance premiums at the FHA have priced out scores of renters nationwide. Long story short, FHA financing is generally the cheapest option around for those with littl…
    - 4 hours ago, 17 Apr 14, 3:57pm -
  • newCan Low Mortgage Rates Save the Spring Home Buying Season?
    So far, the traditionally strong spring home buying season is off to a not-so-great start. A pair of reports from DataQuick revealed that home sales in Northern and Southern California were at six-year lows in March, despite a strong seasonal uptick…
    - 9 hours ago, 17 Apr 14, 11:36am -
  • The Nation’s Most Expensive Short Sale Finally Sold This Week
    Sure, short sales have come to a relative crawl after carving out a decent slice of the real estate market over the past couple years, but there are still some stragglers gaining bank approval and closing. One of the more notable short sales to sell…
    - 2 days ago, 15 Apr 14, 1:04pm -
  • Higher FHA Premiums May Have Priced Out 375,000 Potential Home Buyers
    Earlier this week, the National Association of Realtors sent a letter to FHA Commissioner Carol Galante urging her to rethink the agency’s new mortgage insurance structure. Since 2011, annual mortgage insurance premiums have risen from 90 basis poi…
    - 8 days ago, 9 Apr 14, 1:01pm -
  • Mortgage Lending Hits Lowest Point Since at Least the Year 2000
    A new report from Black Knight Financial Services revealed that monthly mortgage origination volume fell to its lowest point on record in February. And recent prepay speeds signal even more declines in refinance volume in the near future. The company…
    - 10 days ago, 7 Apr 14, 4:15pm -

All About Living With Life

  • new11 Things We Do That Make Us Miserable
    Oftentimes we read about what we can do to increase our happiness through valuable tips, tricks and techniques. I love reading this stuff and noticing the impact it has on my day and my life. Sometimes equally important is identifying what habits w…
    - 3 hours ago, 17 Apr 14, 5:30pm -
  • new10 Things You Haven’t Tried For Productive Time Management
    “Lost time is never found again.” Benjamin FranklinTime is one of our most precious tools in life. It is so important that time is being compared with life; wasting time, is equal to wasting life.People who accomplish a lot in life are often peo…
    - 3 hours ago, 17 Apr 14, 5:30pm -
  • 7 Life-Affirming Things Grateful People Do
    Christina Lu / BuzzFeedGratitude has been linked to stress reduction, increased happiness, and better physical and emotional health. Here are some ways to reap those benefits.1. Keep a journal.Dr. Laura Gambrel, professor of psychology at La Salle…
    - 1 day ago, 16 Apr 14, 5:30pm -
  • 3 Ways You Zap Happiness (And How to Get It Back)
    For better or worse, we believe that happiness is a natural born right, and maybe even an obligation -- if you aren't happy, you have an obligation to your family, your work, and yourself to make it happen.But as a recent program on NPR's "TED Radio…
    - 1 day ago, 16 Apr 14, 5:30pm -
  • 10 Things You Can Do Right Now to Become More Hirable
    If you are currently on the hunt for employment or have been considering a venture into a new job, there may be some things that need your attention pronto. It's easy to become complacent, especially if you've been working in the same job for multipl…
    - 2 days ago, 15 Apr 14, 5:30pm -

Qwoter

  • How to Choose the Best Broker
    It is obvious enough that online trading is a lot easier and more convenient — not to mention faster. Through online investing, the online traders would need to hire online brokers to assist them with the trading transactions. As there are a variet…
    - 10 Oct 13, 12:58pm -
  • Choosing Your IRA Provider
    Are you planning to open an IRA account? Opening an IRA account provides you a great opportunity to save loads of cash for your retirement. The special tax considerations that are given to IRA accounts make it one of the best ways to save money for y…
    - 25 Mar 13, 1:52pm -
  • 2013 Retirement Account Contribution Limits
    2013 is the year where you can save up more funds for your brighter and more prosperous future. The IRS already announced the new contribution limits for various retirement accounts such as 401(k), IRA, and Roth IRA. The best news is that there is a…
    - 7 Jan 13, 2:49pm -
  • Highest Money Market Rates
    Money market investing involves lending and borrowing money or assets on a short-term basis. Maturities usually last less than a year or up to 13 months maximum. Because of this nature, money market is considerably stable, safe and very liquid. Its c…
    - 27 Dec 12, 1:50pm -
  • How to Sell Penny Stocks
    Since penny stocks are the cheapest stocks in the market, they are easier to invest with. Most new investors who do not have big amount of money for capital prefer to buy penny stocks to start with their investment. However, penny stocks are riskier…
    - 27 Dec 12, 1:45pm -