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Get Rich Slowly

  • newHow to track your spending (and why you should)
    This article is by staff writer Holly Johnson. Recently, an old friend emailed me for help with his family’s financial woes. The confession that followed wasn’t pretty, and included tales of student loans, car loans, unrestrained spending, and em…
    - 6 hours ago, 24 Apr 14, 5:00am -
  • Get Rich Slowly: The Course
    This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money. Here it is, 2:22 on a Tuesday afternoon. I’ve been up for more than 48 hours straight with only brief naps snatched…
    - 1 day ago, 23 Apr 14, 5:00am -
  • More on how to stop buying clothes you never wear
    This article is by staff writer April Dykman. More than four years ago, I wrote a post for Get Rich Slowly about how to stop buying clothes you never wear. I wasn’t sure how it would go over, to be honest. We don’t discuss fashion much in our li…
    - 2 days ago, 22 Apr 14, 5:00am -
  • Cutting grocery bills: Aldi and bulk-food stores
    This article is by staff writer Lisa Aberle. No matter what I do, we’re still spending more on food each month than I want to be spending. Two of my weapons in the battle to lower my food bill that I haven’t talked about yet are Aldi and bulk-fo…
    - 3 days ago, 21 Apr 14, 5:00am -
  • Talking with Gretchen Rubin about money and happiness
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D.’s non-financial writing can be found at More Than Money, where he recently wrote about how to be happy. As part of the Get Rich Slowly course (out this Tuesday!), I int…
    - 4 days ago, 20 Apr 14, 5:00am -

The Simple Dollar

  • newReader Mailbag: Better Resume Writing
    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. Dropshipping 2. Job “upgrade”? 3. Refinancing for interest and cash 4.…
    - 3 hours ago, 24 Apr 14, 8:00am -
  • newUsing the Reality of the Moment
    Yesterday, I read a wonderful article by Leo Babauta at Zen Habits entitled The Reality of This Moment. The article encourages people to think about how we’re okay in the moment: As we go through our day, we’re often stressed because of all the t…
    - 21 hours ago, 23 Apr 14, 2:00pm -
  • The Simple Dollar Weekly Roundup: Child Medical Issues Edition
    At almost the exact same time, our youngest child got a large facial rash and our daughter got an extremely sore baby tooth. This led to medications. Doctor’s appointments. Worry. Being a parent would be far easier if you could simply rely on perfe…
    - 1 day ago, 23 Apr 14, 8:00am -
  • 7 Excuses People Use to Avoid Financial Responsibility – And Why They’re Useless
    This article first appeared in U.S. News and World Report Money. The recipe for finding financial success is an easy one. Spend less than you earn and do something sensible with the difference. If you do that over and over, you will see financial suc…
    - 2 days ago, 22 Apr 14, 2:00pm -
  • Discover the Forest
    One of the coolest online tools I’ve seen in a long time came to my attention this past weekend as I was thinking about our family’s weekend plans between now and Memorial Day. With the arrival of spring, I was looking for outdoor activities, whe…
    - 2 days ago, 22 Apr 14, 8:00am -

Consumerism Commentary

  • Why Big Wins Are the Best Way to Boost Your Saving Rate
    This is a guest post from J.D. Roth, who founded the Get Rich Slowly blog and currently writes at More Than Money. J.D. recently launched a year-long "Get Rich Slowly" course, which is based on the idea that you’d have greater financial success if…
    - 2 days ago, 22 Apr 14, 10:11am -
  • Three More Invalid Criticisms of David Bach’s Latte Factor
    I recently appeared on the Stacking Benjamins podcast to talk with Joe Saul-Sehy about the Debt Avalanche and the Debt Snowball, two very similar methods of paying off existing debt — usually applied to situations that involve mutiple credit cards.…
    - 2 days ago, 22 Apr 14, 7:00am -
  • Two Invalid Criticisms of David Bach’s Latte Factor
    More than seven years ago, I encouraged readers to forget about the Latte Factor. The Latte Factor — a registered trademark — is the core marketing message from personal finance guru and author David Bach. The concept uses a daily morning latte a…
    - 3 days ago, 21 Apr 14, 12:26pm -
  • 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…
    - 8 days 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…
    - 15 days ago, 9 Apr 14, 1:54pm -

Free Money Finance

  • In Case You Were Wondering
    You may have noticed that my site has been down for the past few days. Typepad, the service I use to run this blog, was attacked system-wide and most, if not all, of their blogs have been down since the...
    - 1 day ago, 23 Apr 14, 7:46am -
  • A Money Expert Who Knows What She's Talking About
    In contrast to many financial "experts" in the media who know very little about money management (I noted this in Money 101: How to Measure and Track Wealth and Another Financial Media Mistake), Business Week magazine interviewed Ann Kaplan, a...
    - 1 day ago, 23 Apr 14, 3:29am -
  • The Importance of a Thank You Note
    There's a newsletter that gets passed around our office that recently quoted the following: According to a CareerBuilder survey, 58% of employers said it's important to send a "thank you" after an interview; 24% said it's very important. We've discus…
    - 3 days ago, 21 Apr 14, 3:29am -
  • How Bad Americans Have It
    Money magazine released the following stats in their April issue. This set is for households making below $100,000 a year: 55% are living paycheck to paycheck 66% couldn't handle an unexpected $10,000 expense 47% couldn't live comfortably even three…
    - 6 days ago, 18 Apr 14, 3:29am -
  • 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...
    - 8 days ago, 16 Apr 14, 3:29am -

Wise Bread

  • new11 Surprising Benefits Of: Chewing Gum
    As a connoisseur of chewing gum, I can attest to the many benefits that my favorite go-to gum gives me (Trident Sugarless Watermelon Twist, for the record). While gum is by no means without it…
    - 7 hours ago, 24 Apr 14, 3:36am -
  • new12 Delicious Soups You Can Make From Leftovers
    Stuck with lots of leftovers? Not a problem! Though I'm notoriously bad at using prepared food from one night to the next, I've found that a little planning can turn that curse into a blessing…
    - 7 hours ago, 24 Apr 14, 3:24am -
  • newBest Money Tips: Ways to Find Happiness in What You Already Have
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on finding happiness in what you already have, eco-friendly wedding DIYs, and times it's OK to be cheap.T…
    - 8 hours ago, 24 Apr 14, 3:00am -
  • newThe Single Greatest Key to Managing Your Time
    In a day-to-day context, each of us — rich or poor, talented or developing, dynamic or shy — is given the same 24 hours. But what do we do with each moment?While we can't change the circu…
    - 8 hours ago, 24 Apr 14, 2:48am -
  • newAre You Ready to Turn Your Hobby Into a Business?
    Do you have a hobby you enjoy? This can be anything from painting to building furniture to playing video games. In other words, anything you do in your spare time to have fun. (See also: Aweso…
    - 8 hours ago, 24 Apr 14, 2:36am -

Planting Money Seeds

  • Financial #FAIL: Are You “Too Busy” to Pay Attention to Your Finances?
    There’s a reason my finances are largely automated. But sometimes it leads to some serious financial #FAIL. Don’t be “too busy” to pay attention to your finances. I’ve experienced a busy couple of months. It’s a busy time of the year for…
    - 1 day ago, 23 Apr 14, 6:48am -
  • Earning a Business Advantage Online
    One of the possibilities I’ve toyed with is going back to school and earning my MBA. While I have a Master’s degree, it’s in Journalism. Sometimes I think that it might help my home business prospects and increase my credibility if I had specia…
    - 4 days ago, 20 Apr 14, 9:51pm -
  • Two Types of Investor NOT to Be: Overconfident and Status Quo
    As you start investing, it helps to carefully avoid being one of the following types of investor. I really like behavioral finance. Studies into how our behavior influences what happens with our money, and the ways our psychology can lead to poor fin…
    - 6 days ago, 18 Apr 14, 6:03am -
  • 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…
    - 8 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…
    - 10 days ago, 14 Apr 14, 6:08am -


  • 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:…
    - 23 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…
    - 81 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 -


  • Can CDs be a good place for your emergency fund?
    Darci SwisherIf your emergency fund is sitting in a savings account that pays virtually nothing you might consider investing those dollars in a certificate of deposit. CDs are just as safe and you’ll earn a little more interest. The only caveat is…
    - 3 days ago, 21 Apr 14, 1:00am -
  • 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…
    - 10 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…
    - 17 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…
    - 24 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…
    - 31 days ago, 24 Mar 14, 4:00am -

Five Cent Nickel

  • Enter a new chapter in personal finance success
    One of the telltale signs you’re rapidly becoming an annoying elder statesman is an increasing tendency to buttonhole much younger people and dispense advice they haven’t sought, don’t want and are unlikely to take to heart. You know the kind o…
    - 1 day ago, 23 Apr 14, 2:00am -
  • Make an appointment with yourself to manage your money
    This is a guest post from J.D. Roth, who founded the blog Get Rich Slowly in 2006. Roth wrote Your Money: The Missing Manual and is the “Your Money” columnist for Entrepreneur magazine. His latest project is a year-long course on how to master yo…
    - 2 days ago, 22 Apr 14, 10:30am -
  • Time to think about taxes, again!
    Yes, I know we’re just past last year’s tax season, but good tax planning works only if we start early enough for the current year. Having last year’s tax return still fresh in memory gives us a great start for next year’s tax planning. Under…
    - 3 days ago, 21 Apr 14, 2:00am -
  • 5 Vehicles With the Longest Lifespans
    This post comes from Anna Williams at our partner site There are dozens of factors to consider when it comes to buying a new car—everything from safety features to the length of the loan. But if durability is high on your lists of mu…
    - 6 days ago, 18 Apr 14, 2:00am -
  • 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…
    - 8 days ago, 16 Apr 14, 2:00am -


  • newHow Much Money Will Make You Happy?
    “To know that you have enough is to be rich.” –Lao Tzu If I handed you a check for $1 million, would you take it? I’m sure your first reaction would be, “Of course!”  But if you really thought about it, what exactly would you do with all…
    - 1 hour ago, 24 Apr 14, 9:30am -
  • newHow to Follow Up After a Job Interview
    “How to Follow Up After a Job Interview” was provided by POPSUGAR Smart Living.  You’ve made it through the last round, and now all you have to do is play the waiting game. It’s a nerve-wracking time, and you may jump every time the phone ri…
    - 21 hours ago, 23 Apr 14, 2:00pm -
  • 8 Tips for Updating Your Kitchen On a Budget
    Once the spring-cleaning bug bites you, you might start to look around your home and think about bigger projects—like finally giving your kitchen a facelift. Of course, the allure of a stainless steel fridge, high-end stove, and Pinterest-worthy ar…
    - 1 day ago, 23 Apr 14, 10:28am -
  • Which Superhero Are You, When It Comes to Saving?
    Are you a superhero with your money? You are? Great! But here’s the thing — there are so many superheroes, and so many different ways to handle funds, that considering yourself a monetary superhero might actually be considered a form of self-loat…
    - 2 days ago, 22 Apr 14, 12:30pm -
  • How to Start Investing: Part 3
    Happy Financial Literacy Month! Welcome back to MintLife columnist Matthew Amster-Burton’s three-part series on how to be a great investor. Week 1: Before you invest Week 2: The secret of great investing Week 3: Staying in the game In addition to t…
    - 2 days ago, 22 Apr 14, 11:46am -


  • 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…
    - 51 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…
    - 56 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…
    - 65 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…
    - 72 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…
    - 86 days ago, 28 Jan 14, 4:00am -

The Consumerist

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…
    - 10 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…
    - 17 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,…
    - 24 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…
    - 31 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…
    - 38 days ago, 17 Mar 14, 6:00am -

Frugal Dad

  • Making Timely Student Loan Payments? You May Be In Default, Anyway
    Many private student loan contracts include clauses that allow the lender to demand the full loan balance if a borrower’s… READ MOREThe post Making Timely Student Loan Payments? You May Be In Default, Anyway appeared first on Affordable Schools O…
    - 2 days ago, 22 Apr 14, 3:00am -
  • You Don’t Always Have to Accept the First Financial Aid Award You’re Offered
    If you are like nearly half of all college students today, you count on financial aid to attend college. In… READ MOREThe post You Don’t Always Have to Accept the First Financial Aid Award You’re Offered appeared first on Affordable Schools Onl…
    - 3 days ago, 21 Apr 14, 3:00am -
  • East Coast Colleges Branch Out In Search for Students
    Older, brick-and-mortar colleges from the East Coast are taking their venerated brands on the road. While there are no Greek… READ MOREThe post East Coast Colleges Branch Out In Search for Students appeared first on Affordable Schools Online.
    - 4 days ago, 20 Apr 14, 3:00am -
  • Schools Risk More than Reputation Over Data Breaches
    The costs of the cyberattack made this year on the University of Maryland reportedly will run into the millions of… READ MOREThe post Schools Risk More than Reputation Over Data Breaches appeared first on Affordable Schools Online.
    - 7 days 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.
    - 8 days ago, 16 Apr 14, 3:00am -


  • newIs Vision Coverage Worth the Cost?
    It’s commonly said that there are two things you can count on: death and taxes. For me, you can add signing up for health insurance every October. I log into my employer’s benefits website and open the document that compares my medical plan optio…
    - 5 hours ago, 24 Apr 14, 6:00am -
  • 5 Tips for Throwing a Fabulous Kid’s Birthday Party on a Budget
    Sometimes, throwing a kid’s birthday party can be a real pain. You have to prepare a bunch of food for your guests, entertain a house full of kids, and pull it all together with a little style. It can be expensive and stressful — but it doesn’t…
    - 1 day ago, 23 Apr 14, 6:00am -
  • Is Your Financial Situation Limiting Your Family’s Size?
    I’m satisfied with my family size. I only have one child, and, to tell the truth, I’ve never really been that interested in having a big family. I think I could handle maybe one or two more, but having several children has never been my ideal. Th…
    - 2 days ago, 22 Apr 14, 6:00am -
  • What You Need to Know About Payroll Debit Cards
    If you’re one of the more than 70 million Americans who work as hourly employees, chances are good that you may soon be offered a payroll debit card instead of a traditional paper check on payday. While these debit cards are much less expensive for…
    - 3 days ago, 21 Apr 14, 6:00am -
  • The 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…
    - 6 days ago, 18 Apr 14, 6:00am -

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

  • newMarginal Tax Rate VS Effective Tax Rate – Why You Need to Know the Difference
    Most of us have no idea what either our marginal or effective income tax rates are. They only seem to matter at income tax filing time, usually appearing as supplemental numbers in a computer generated income tax return. One of the reasons we tend no…
    - 5 hours ago, 24 Apr 14, 5:36am -
  • Four 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…
    - 7 days 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…
    - 9 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…
    - 14 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…
    - 15 days ago, 9 Apr 14, 6:23am -

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…
    - 22 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…
    - 41 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…
    - 73 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

  • What To Do If You’re Unhappy With Your 401(k) Plan Options
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What To Do If You’re Unhappy With Your 401(k) Plan Options.Of all of the various employee benefits, 401(k) plans are right up there with health ins…
    - 1 day ago, 23 Apr 14, 5:35am -
  • Rebalance IRA – Expertly Managed Investment Portfolio Service at Half the Industry Standard Cost
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Rebalance IRA – Expertly Managed Investment Portfolio Service at Half the Industry Standard Cost.Are you getting the most out of your investments?…
    - 2 days ago, 22 Apr 14, 10:51am -
  • What Do You Know About Your Partner’s Finances?
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at What Do You Know About Your Partner’s Finances?.One of the most important things you can do for your finances is to talk to a potential partner abo…
    - 3 days ago, 21 Apr 14, 5:37am -
  • Why Your Second Car Should Be a Beater Car
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Why Your Second Car Should Be a Beater Car.It’s become a fact of life for many families that there should be at least one car for each adult member…
    - 6 days ago, 18 Apr 14, 10:22am -
  • Could 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…
    - 7 days ago, 17 Apr 14, 3:35pm -

PT Money

  • newIntroducing: The Get Rich Slowly Guide – Q&A with Author J.D. Roth
    My friend J.D. Roth recently released the Get Rich Slowly guide. I sat down with him (over email, of course) to learn about the guide and get some extra insight for you guys. Here’s our interview: Why did you put this together? I founded Get Rich S…
    - 21 hours ago, 23 Apr 14, 1:49pm -
  • Should 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…
    - 7 days 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…
    - 10 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…
    - 17 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…
    - 22 days ago, 2 Apr 14, 7:00am -

Clever Dude

  • Product Review And Giveaway: Honeywell Wi-Fi Programmable Thermostat
    Note: I received the RTH9580 Wi-Fi enabled thermostat from Honeywell in exchange for the review included in the post below. However, all experiences and opinions are 100% my own. When we built our home ten years ago, our builder installed the most ba…
    - 2 days ago, 22 Apr 14, 4:09am -
  • Overpaying For Groceries While Traveling
    Image courtesy of Stuart Miles / Note: Today’s post was supposed to be a product review and giveaway. Unfortunately, it wasn’t quite ready to go yet. Please enjoy the post below, and then come back tomorrow to check out my v…
    - 3 days ago, 21 Apr 14, 5:24am -
  • Clever Posts Of The Week – April 18th
    I’m excited.  Ok, I’m almost uncontrollably excited.  The weekend is upon us, BUT I’m looking forward to a very special post on Monday. I’ll give you a hint: Giveaway. I’ll be hosting my very first giveaway here at Cleverdude.  I’m goi…
    - 6 days ago, 18 Apr 14, 5:41am -
  • 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…
    - 8 days ago, 16 Apr 14, 4:41am -
  • Sampling Grapes In the Produce Section: Smart, or Just Being Cheap?
    Image courtesy of Sura Nualpradid / 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…
    - 10 days ago, 14 Apr 14, 4:16am -

Dough Roller

  • newDR 057: 9 Things to Know About the myRA
    In the most recent State of the Union Address, President Obama unveiled the myRA – My Retirement Account. Another retirement savings option? Yes. In addition to 401k, 403b, IRA, Roth IRA and a host of other types of retirement accounts, later this…
    - 24 hours ago, 23 Apr 14, 11:07am -
  • 5 Tax Moves to Make Now (Yes, After Tax Day)
    With April 15th behind us, taxes are probably the last thing on your mind. They shouldn’t be. If you only think about taxes at the beginning of April, you’re missing out. Making the right tax moves now – even after tax day – will help improve…
    - 2 days ago, 22 Apr 14, 6:02pm -
  • DR 056: 7 Ways to Budget Like a Zen Master
    How can you budget like a Zen master without tracking every dime you spend? How do you budget for those oddball expenses that pop up from time to time? As someone who goes in budgeting spurts, I’ve learned the hard way how to make our budget work.…
    - 3 days ago, 21 Apr 14, 6:33am -
  • DR 055: Beverly Harzog: How She Paid Off $20,000 of Credit Card Debt in 2 Years
    A great success story can be very motivating. And that’s exactly what Beverly Harzog brings us in today’s podcast. Beverly describes how she sunk into $20,000 of credit card debt, maxing out all seven of her cards. But her story doesn’t stop th…
    - 6 days ago, 18 Apr 14, 6:14am -
  • 5 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…
    - 7 days ago, 17 Apr 14, 4:00am -

Stop Buying Crap

My Money Blog

  • newTennessee Offers Free 2-Year College Tuition for All High School Graduates
    Tennessee lawmakers recently approved a program that would cover tuition and fees at two-year colleges for any high school graduate. The “Tennessee Promise plan” is the first of its kind in the U.S., although reportedly Florida, Mississippi, and…
    - 9 hours ago, 24 Apr 14, 1:37am -
  • Lyft Promotion Credit Codes: Free Ride Credits
    Lyft is a smartphone-based ride service that competes with traditional taxis. They are similar to Uber, but Lyft calls their fares “donations” and aggressively recruits casual drivers who can apply directly from their app. (Uber does a similar th…
    - 2 days ago, 22 Apr 14, 8:59pm -
  • Airfare Price Prediction Tool: Don’t Bother
    In 2007 I wrote about a site called that used past data to offer a prediction on whether airfares would rise or fall in the future. I even used it to book tickets a couple times. It was soon bought and absorbed by Bing Travel (Microsoft)…
    - 2 days ago, 22 Apr 14, 1:18am -
  • Retirement Portfolio Spending Strategy – Withdrawal Order Flowchart
    According to research from the Vanguard Group, another area where a skilled financial advisor is supposed to able to add value is helping retirees manage withdrawals from their portfolios in order to minimize taxes. According to their paper: Advisors…
    - 3 days ago, 21 Apr 14, 1:28am -
  • How Good Portfolio Management Can Improve Real-World Returns
    Vanguard has released a research paper called Putting a value on your value: Quantifying Vanguard Advisor’s Alpha, which provides the data and methodology behind its previous statement that a good financial advisor should be able to affect the perf…
    - 6 days ago, 18 Apr 14, 12:16am -

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…
    - 63 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…
    - 65 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…
    - 66 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

  • newBe Proud of Your Emergency Fund!
    I can’t remember where I saw it, but someone recently said they “only” had $1,000 in their Emergency Fund. The first thing I thought when I read that was, GREAT!!! Do you know how many people don’t even have a dollar in their emergency funds?…
    - 7 hours ago, 24 Apr 14, 3:48am -
  • Our Renters Renewed For Another Year!
    The best thing you can hear as a landlord :) At least of course if they are *good* tenants, as my friend Lazy Man was quick to point out when I announced the good news on Twitter. I asked him why he’d even offer his tenants the chance to renew if t…
    - 1 day ago, 23 Apr 14, 3:48am -
  • 12 Months / 12 Income Streams
    I have a friend who goes by Whiskeytrail. He’s been a reader of this blog for years now, and every few months he emails me with interesting experiments he’s trying out. Currently he’s on a mission to land 12 new income streams, one for every mo…
    - 2 days ago, 22 Apr 14, 3:28am -
  • My A-Ha Moment: Accumulation
    You might have noticed a bunch of A-Ha moments floating around last week as Shannon rocked her Financial Literacy Awareness project. But in typical J. Money fashion, I missed the boat so I’m blabbering about mine today :) And big shock – it has t…
    - 3 days ago, 21 Apr 14, 3:12am -
  • QUIZ: How Broke Are You?
    Happy Friday, money hoarders! Y’all getting ready for the big Easter weekend? Gonna down lots of food and drink and be merry? I hope so. But before you go to it, make sure to take this quiz my friend Anna found, and then tell all your family member…
    - 6 days ago, 18 Apr 14, 3:42am -

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…
    - 23 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…
    - 35 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…
    - 41 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…
    - 80 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…
    - 98 days ago, 16 Jan 14, 4:58am -

Financial Samurai

  • From Debtor To Millionaire: How A Windfall Changed My Life
    This is a guest post from J.D. Roth, who founded the blog Get Rich Slowly in 2006 and is the author of Your Money: The Missing Manual. I first met JD four years ago for lunch up in Portland when I was still working. By that time, J.D. was already a m…
    - 1 day ago, 23 Apr 14, 5:25am -
  • Use A Credit Card To Protect You From Everything Bad
    I don’t understand people who don’t use credit cards. Not only do you get an interest free loan for 30 days, you also get rewards points. Perhaps even more importantly, you get fraud and conflict protection. In “When Saving Money Is No Longer W…
    - 4 days ago, 20 Apr 14, 5:23am -
  • Interview With Bo Lu, CEO Of FutureAdvisor On Startup Life, Online Wealth Management, And More
    It’s been a while since I last interviewed a CEO of a San Francisco-based tech startup so I’m pleased to share an interview I did with Bo Lu, the CEO of FutureAdvisor. FutureAdvisor is an algorithmic money manager as opposed to Personal Capital,…
    - 6 days ago, 18 Apr 14, 5:18am -
  • 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…
    - 8 days ago, 16 Apr 14, 5:25am -

Fiscal Fizzle

  • How to Instill Work Ethic in Your Kids With Paid Chores
    Last weekend, I was listening to the Beyond the To Do List Podcast with Erik Fisher and caught bits and pieces (in between my kids screaming) of an interview with Rachel Cruze, Dave Ramsey’s daughter. They were chatting about a new book she co-auth…
    - 2 days ago, 22 Apr 14, 6:00am -
  • 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…
    - 22 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’…
    - 24 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…
    - 42 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…
    - 46 days ago, 9 Mar 14, 12:58pm -

Len Penzo

  • new100 Words On: How to Determine If You’re a True Financial Success
    How many times have you heard someone suggest that all their financial problems would magically disappear if they only made more money? But high incomes can’t guarantee financial freedom; there are countless examples of people who earned millions y…
    - 10 hours ago, 24 Apr 14, 1:15am -
  • What a $184 Cheese Sandwich Can Teach Us About Hype & Value
    Would you pay $184 for this? Last week, Britain’s Daily Mail reported that celebrity chef Martin Blunos created a very unique sandwich with a menu price of £110. For those of you here in America, based on current exchange rates, that comes out to…
    - 1 day ago, 23 Apr 14, 1:15am -
  • A Simple Test to Know If It’s Better to Rent or Buy a House
    This weekend my friend and I got into a discussion regarding the housing market; he was wondering whether current prices were still cheap enough to justify taking the plunge and buying a new home. “It’s a good question,” I told him, “We could…
    - 3 days ago, 21 Apr 14, 1:14am -
  • Black Coffee: Easter Jellin’ with Ms. Yellen
    It’s time to sit back, relax and enjoy a little joe … Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance. Happy Easter, everyone! I tell ya, I’m…
    - 5 days ago, 19 Apr 14, 5:45pm -
  • My Kids’ Loan Interview with the Bank of Dad
    (Readers: While I’m still working on getting my blog back up to speed, I thought I’d dig into the archives and run this classic post from way back on February 3, 2009 — long before my kids became teenagers.) When it comes to money matters, my t…
    - 7 days ago, 17 Apr 14, 7:00pm -

Lazy Man and Money

  • Aereo TV: Why Waste the Supreme Court’s Time?
    [Editor's Note: I wrote this article a couple of days ago before news of how the trial had occurred. I deemed it more important to go with the Solar power article on Earth Day. So I'm publishing this today, with an update at the end.] There was an in…
    - 1 day ago, 23 Apr 14, 9:45am -
  • Exploring the Savings of Solar Power
    A couple of months ago, when I was reviewing my necessary expenses, I thought to myself, how can bring these down? There are personal finance tips on how to save money on almost anything, including utilities. However, they all see to amount to sacrif…
    - 2 days ago, 22 Apr 14, 10:15am -
  • One Year Ago…
    It's been quite a ride this parenting thing. It's amazing to watch as they pick up new skills. The ability to smile, the ability to hold their own bottle. Our three month old just found his feet and his tongue. About one year ago, my 7 month old son…
    - 3 days ago, 21 Apr 14, 6:15am -
  • MonaVie Mynt is Coming For Your Kids
    As regular readers know, I find it interesting and amazing that multi-level marketing companies still exist to scam people in 2014. It's been more than 25 years after Money Magazine called the scam a mess looking to take in the gullible. Regular read…
    - 6 days ago, 18 Apr 14, 6:15am -
  • 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…
    - 8 days ago, 16 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…
    - 45 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…
    - 57 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…
    - 62 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…
    - 66 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…
    - 70 days ago, 13 Feb 14, 8:21am -

Personal Dividends

  • newForget Employment Data and Retail Sales: Here are Some Other Economic Indicators
    Since 2008, Americans have been carefully watching for signs that the economy is improving. While we’ve long since left the most recent recession behind, the reality is that many of us are still looking for indications that the economy is truly on…
    - 5 hours ago, 24 Apr 14, 6:00am -
  • 5 Money Making Ideas You Can Do in Your Pajamas
    What if you could make a little extra money each day, without getting dressed? Who doesn’t love the idea of making money in their pajamas? If you are looking for some money making ideas that can be done easily, no matter what you are wearing, here…
    - 2 days ago, 22 Apr 14, 6:00am -
  • Are 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…
    - 7 days 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…
    - 10 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…
    - 14 days ago, 10 Apr 14, 6:00am -

Money Crashers

  • newHow to Deal With an Elderly Parent’s Remarriage – Resolving Issues
    Generation Xers are beginning to turn the corner, midway between their teens and retirement. Now in their late 30s and early 40s, they have lived through three recessions, 9/11, and culture wars amidst starting families, buying homes, and struggling…
    - 18 hours ago, 23 Apr 14, 4:45pm -
  • 5 Ways to Stay Within Your Budget When Buying a House
    A house is likely to be the most expensive purchase you’ll ever make. And if you’ve waited a long time for this day to come, you’ve undoubtedly thought about the features you desire – maybe you’re craving a huge master bedroom with walk-in…
    - 2 days ago, 22 Apr 14, 1:30pm -
  • 10 Cheap & Frugal Celebrities – Lessons You Can Learn About Money
    Anytime you page through the latest issue of a tabloid magazine, you receive a lesson in excess: celebrities frolicking on expensive vacations, wearing thousands of dollars in designer clothes, and driving the latest must-have $100,000 SUV. Of course…
    - 3 days ago, 21 Apr 14, 10:30am -
  • How to Dye Your Hair at Home – 9 Tips to Get Salon-Quality Color
    If you’re like me, you just don’t have three hours to sit in a salon chair to get your hair cut and colored. After realizing that a professional-looking treatment isn’t very hard to copy – and in the interest of saving my time, money, and san…
    - 6 days ago, 18 Apr 14, 7:15am -
  • Importance 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…
    - 7 days ago, 17 Apr 14, 4:00pm -

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…
    - 9 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…
    - 9 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…
    - 23 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…
    - 37 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…
    - 37 days ago, 18 Mar 14, 8:32pm -

Deliver Away Debt

  • Aereo 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…
    - 7 days 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

  • newOur house money
    Good morning Dinks.  As you may remember I have always been a big advocate of couples keeping their money separate.  I believe that each person in a relationship should contribute equally to all joint expenses (not necessarily personal wants) but t…
    - 8 hours ago, 24 Apr 14, 3:00am -
  • It only takes one person
    Good morning Dinks.  Have you ever had one of those days when things just didn’t go as planned?  I like to plan.  I like to wake up in the morning and know what’s coming.  I like to know what the day has in store for me.  Unfortunately thing…
    - 1 day ago, 23 Apr 14, 3:00am -
  • Rental Property Sold!
    We just took a big step in selling one of our rental properties. This was actually James’ baby, which he purchased in August of 2003, four months before I moved out to Washington. This studio apartment, in the heart of Dupont Circle and a whopping…
    - 2 days ago, 22 Apr 14, 1:17pm -
  • A step by step guide to buying a home
    Good morning Dinks.  Are you thinking of buying a house? We are here to help. Our friends at Rate Supermarket are back to help you buy a home with a step by step guide of everything you need to know. Step 1 – Seek out a mortgage broker / compare t…
    - 3 days ago, 21 Apr 14, 3:00am -
  • Weekly Roundup: Easter, Lent and Spring
    Good morning Dinks, happy Friday and happy Easter.  In just two days people all over the world can once again indulge in the vices that they gave up for Lent. This year I decided not to give up anything this year.  Instead I decided to improve upon…
    - 6 days ago, 18 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…
    - 77 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 -


  • Drop Everything You’re Doing If You Want to Finally Master Your Money
    “I’m totally confused when it comes to money.” “I don’t even know where to start! I’m sick of being miserable and stuck in debt. Will this ever end?” “I already owe over $25,000 and have no clue how I’m going to pay this off. HELP!!…
    - 2 days ago, 22 Apr 14, 4:48pm -
  • The Real Reason You Can’t Reach Your Goals (And What to Do About It)
    “Your actions speak so loudly that I cannot hear what you are saying.” –Ralph Waldo Emerson Note from Martin: Today I have a special treat for you guys. We have a guest post. For those of you that complain about having no time or any other excu…
    - 6 days ago, 18 Apr 14, 8:46am -
  • 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…
    - 9 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…
    - 15 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…
    - 17 days ago, 7 Apr 14, 1:14pm -

Money Crush

  • How I Nearly Threw Away $10,000 in Free Money
    Way back in high school, I tried hard to get 100% on all of my assignments and tests, and usually succeeded. When I didn’t, I figured out where I went wrong, got help, and tried harder. I also ended up doing really well on the ACT test. So of cours…
    - 3 days ago, 21 Apr 14, 6:00am -
  • The Real Secret to Personal Finance Success: Your Backup Plan

    - 17 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…
    - 24 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…
    - 31 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…
    - 38 days ago, 17 Mar 14, 6:00am -

Wealth Informatics

  • How to Overcome Six eBook Publishing Struggles
    How to Overcome Six eBook Publishing Struggles is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. I finally succeeded in finishing my very first book! Writing it took me a year – workin…
    - 3 days ago, 21 Apr 14, 4:00am -
  • {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…
    - 13 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…
    - 24 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…
    - 35 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…
    - 36 days ago, 19 Mar 14, 12:12pm -

Engineer Your Finances

  • Learn How To Identify A Credit Repair Scam
    During the recent financial crisis, many people found it difficult to pay all of their bills on time, usually due to a job loss or a reduction in their working hours. As a result, their credit score took a significant hit, increasing their cost for m…
    - 3 days ago, 21 Apr 14, 12:15pm -
  • Save 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…
    - 7 days 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…
    - 10 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…
    - 14 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…
    - 17 days ago, 7 Apr 14, 3:55pm -

Early Retirement Extreme

  • newThe game show problem
    Here’s a notorious example of dealing with the unseen that other people see. “You are at a game show. There are three doors. One door hides a car and two doors each hide a goat(*). Presumably you want the car. The game show host as you to pick on…
    - 1 hour ago, 24 Apr 14, 11:54am -
  • newRV vs. apartment
    We just came back from one week’s vacation at the in-laws, so now I need a vacation. I always seem to need some time to recover after the bustling activity of family gettogethers. Anyway, staying in an 2.5 bedroom apartment for the first time since…
    - 11 hours ago, 23 Apr 14, 11:44pm -
  • newCan I retire with 2 million dollars?
    This, and various perturbations, is one of the most frequent Google search terms that hit this site. I think my very general answer would be that if you have to ask that question, then the answer is, “PROBABLY NOT!” If you ask whether you can ret…
    - 23 hours ago, 23 Apr 14, 11:34am -
  • The last pair of boots I’ll ever buy
    I have used the same pair of boots almost every day since my early 20s. I’ll be 35 in a few months. Like with most “extreme” stats, a pair of boots which are 13+ years old blow the normal expectation values out of the water; much like being abl…
    - 1 day ago, 22 Apr 14, 11:28pm -
  • Great post, I agree, and other common blog comments
    Ever wondered why some comments appear more than others and why some comments only appear on blogs with many readers? The explanation is fairly simple: human psychology and statistics. Great timing. I was just doing this … It is self-evident that f…
    - 2 days ago, 22 Apr 14, 11:23am -

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

  • Launching a Business as a Creative Entrepreneur

    - 2 days ago, 22 Apr 14, 7:27am -
  • 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…
    - 9 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…
    - 17 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…
    - 30 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…
    - 36 days ago, 19 Mar 14, 2:29pm -

My Journey to Millions

  • newManaging Portfolio Risk For Long-Term Investment Success
    Portfolio risk management is important for preserving initial capital and earning return with some certainty. However, it comes with mind-numbing complexity, and each decision can involve risk amid a never-ending stream of calculations. Because in th…
    - 8 hours ago, 24 Apr 14, 3:00am -
  • 6 Ways to Increase Personal Wealth at any Age
    Whether you earn a little or a lot, there are ways to increase your personal wealth. The truth is, being financially independent isn’t only reserved for the wealthy. You don’t have to be born with a silver spoon or receive the best financial educ…
    - 2 days ago, 22 Apr 14, 10:20pm -
  • What’s the Difference Between Growth and Value Investors?
    I was talking to an investment club partner a few months back about different stocks and it occurred to me half way though the conversation that we were attempting to get to the same place (i.e. a profitable investment) but taking two completely diff…
    - 2 days ago, 22 Apr 14, 3:00am -
  • Job Searching – Staying Under the Radar
    Guest post by Danielle When you are currently employed, it may not be in your best interest to let your employer or coworkers know that you are searching for a job. While it may be illegal to fire you, it can be done in a less-than-desirable way. Tho…
    - 3 days ago, 21 Apr 14, 1:38pm -
  • Be Fearful of Financial Planners and Investment Advisors Who Promise Consistently High Returns
    I came across a great proverb in a recent CNBC article titled, “Investments and the ghost of Bernie Madoff” that seems to line up perfectly when I ask the question why an “expert” really needs my money, Farr [an investment advisor], in an em…
    - 3 days ago, 21 Apr 14, 7:20am -

Enemy of Debt

  • Preventing Impulse Buys With A Waiting Period: Does it Work?
    Delayed gratification:  The art of making yourself wait to purchase something new.  Some people use a self-imposed waiting period to make sure that they really want to part with their hard earned cash.  The thought is, you reassess the want to mak…
    - 3 days ago, 21 Apr 14, 5:17am -
  • I Love You Like a Blogger Roundup – 4/18
    Tuesday was payday.  I did the usual reconciling of the checkbook, paying the bills, and creating our budget worksheet for the remainder of the month.  Vonnie and I sat down to have our usual Payday financial discussion.  When we got to the part o…
    - 6 days ago, 18 Apr 14, 5:32am -
  • How 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…
    - 7 days 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…
    - 8 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…
    - 10 days ago, 14 Apr 14, 6:12am -

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…
    - 20 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…
    - 41 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…
    - 62 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…
    - 83 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…
    - 10 Jan 14, 4:00am -

Simple Financial Lifestyle

  • Is FEAR preventing you from simplifying your finances?
    We all have fears at some point in time in our lives.  Such as fear of putting money into the stock market and the fear of losing it all.  But you can not allow financial fears hold you back and prevent you from achieving your financial goals.  Th…
    - 2 days ago, 22 Apr 14, 6:00am -
  • 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…
    - 9 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…
    - 16 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 -

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

  • newGet Your Website Up And Running Part 1
    Now it’s time to get into the technical side. I’m going to show you that it’s easier than you think to get a website up and running which is how you’ll start making money. This is a little long so in order for you to not get overwhelmed I’m…
    - 11 hours ago, 23 Apr 14, 11:22pm -
  • Does Saving Excite You?
    It’s not a question that you often hear asked but there is no denying its positive value especially for those who are concerned about their future; so we ask, does saving excite you? Are you one of those people looking to prepare for the rainy days…
    - 2 days ago, 21 Apr 14, 11:06pm -
  • Credit repair – Is it really needed?
    Credit repair can mean rebuilding your credibility in the eyes of the lenders. While doing this is no overnight activity, it is not an impossible one too. As you know, credit score is the most important thing in individual’s life as by people’s c…
    - 4 days ago, 20 Apr 14, 1:00pm -
  • Prepare to get rid of the hurdles in home loans
    Getting home loans was never as tough as it is today. However, knowing the hurdles you may face in getting these loans can make your work a lot easier and can guarantee your success for approval of the same.  When the situation gets tough everything…
    - 4 days ago, 20 Apr 14, 12:58pm -

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…
    - 23 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…
    - 30 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…
    - 31 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…
    - 31 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…
    - 42 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, 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

  • Closing An LLC Is Hard Work!
    Since I was getting hit with extra fees (and only being notified when the fees have reached the maximum) and was very frustrated by the whole process, I’ve decided to close my LLC, which I’ve had for a few years. I think I’ve finally nailed dow…
    - 3 days ago, 21 Apr 14, 7:00am -
  • 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…
    - 10 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…
    - 17 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…
    - 23 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…
    - 30 days ago, 25 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…
    - 79 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…
    - 85 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…
    - 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

  • newShould you cosign your kid’s loan
    Loans and family, never a good mix and I say that from experience! If a kid asks you to cosign their loan there are a lot of considerations. Ideally no one would ever need a loan but in reality things in life, namely University and buying property, a…
    - 7 hours ago, 24 Apr 14, 4:11am -
  • 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…
    - 8 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…
    - 31 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. published a story about a woman who was invited to the baby show…
    - 37 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…
    - 37 days ago, 18 Mar 14, 2:18am -

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…
    - 17 days ago, 7 Apr 14, 6:00pm -

Money Reasons

  • Checking Out Southwest Airlines Rapid Rewards Program
    I’m flying out on a business trip soon, and I heard about the following information which I believe is pretty interesting.   Southwest Airlines works together with Chase Bank to provide loyal customers with the Rapid Rewards credit card program. T…
    - 2 days ago, 22 Apr 14, 8:08pm -
  • Boosting 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’…
    - 7 days 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…
    - 34 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…
    - 44 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…
    - 48 days ago, 7 Mar 14, 7:42pm -

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

  • newLet’s Get Kylie to #FinCon14!!! We Won’t Let Abusers Win!!!
    Let’s Get Kylie to #FinCon14!!! We Won’t Let Abusers Win!!! is a post from: Budgeting In the Fun StuffLet’s Get Kylie to #FinCon14!!! We Won’t Let Abusers Win!!! is a post from: Budgeting In the Fun Stuff You may know of Kylie Ofiu from Asp…
    - 11 hours ago, 24 Apr 14, 12:00am -
  • Have You Used Not Hearing or Experiencing Good Things…
    Have You Used Not Hearing or Experiencing Good Things… is a post from: Budgeting In the Fun StuffHave You Used Not Hearing or Experiencing Good Things… is a post from: Budgeting In the Fun Stuff I was looking at other ways t…
    - 1 day ago, 23 Apr 14, 4:00am -
  • Are You Not Receiving Opportunities, or Are You Just Ignoring Them?
    Are You Not Receiving Opportunities, or Are You Just Ignoring Them? is a post from: Budgeting In the Fun StuffAre You Not Receiving Opportunities, or Are You Just Ignoring Them? is a post from: Budgeting In the Fun Stuff Jason at Live Real, Now wrot…
    - 2 days ago, 22 Apr 14, 4:00am -
  • Wealth Is a Choice.
    Wealth Is a Choice. is a post from: Budgeting In the Fun StuffWealth Is a Choice. is a post from: Budgeting In the Fun Stuff The following is a guest post by my blogging buddy, Marie Phillips. Marie blogs at Family Money Values and writes for multip…
    - 3 days ago, 21 Apr 14, 4:00am -
  • Wicked 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…
    - 7 days ago, 17 Apr 14, 4:00am -

Punch Debt In The Face

  • newPregnancy hormones and rennovations don’t mix
    Our house is 84 years old and comes with all the quirks you would expect (and some you wouldn’t) with an old house. Take for example the fact that we only have one bathroom. This is hard to fathom for folks who are only interested in new constructi…
    - 12 hours ago, 23 Apr 14, 11:14pm -
  • The bells and whistles.
    Cars. They serve a simple purpose, to get one from Point A to Point B. While their purpose is pretty straightforward, the bells and whistles that come with them are anything but. From heated seats to cars that parallel park themselves, features don…
    - 3 days ago, 20 Apr 14, 11:43pm -
  • The 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…
    - 7 days 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, If you aren’t familiar, PostSecret is website in which random people like you, mail in post cards containing deeply personal confessions. My first…
    - 9 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…
    - 13 days ago, 11 Apr 14, 12:09am -

Well Heeled Blog

  • How I feel about stuff right now
    The above picture probably makes it quite clear how moving makes me feel about furniture, clothes, decorative items, necessary items, i.e. all of the stuff that I own. My room is looking extremely empty right now, thanks to a frenzied bout of Craigs…
    - 3 days ago, 21 Apr 14, 6:00am -
  • I’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…
    - 7 days 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.…
    - 10 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…
    - 14 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…
    - 16 days ago, 8 Apr 14, 6:00am -

Not Made Of Money

  • 12 Money Saving Tips To Help You Stick To Your Budget
    I think we’ve all been there at some time or another. We pay our bills and wonder “where did all the money go?” In these tough economic times budgets are stretched to the limit. Here are some practical tips that can help you save money
    - 3 days ago, 21 Apr 14, 1:58am -
  • 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
    - 14 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…
    - 15 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…
    - 24 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…
    - 27 days ago, 28 Mar 14, 3:30am -

20 Something Finance

  • Nominate An Item that is Most Symbolic of Consumerism Gone Wrong
    I have been trying to think of an item that perfectly symbolizes consumerism gone wrong.You know, those things that are just absolutely unnecessary, wasteful, atrocious inventions.I need your help.It’s tough. Everywhere you look, there are ..…
    - 1 day ago, 23 Apr 14, 6:14am -
  • Self-Employed Retirement Plan Faceoff: SEP IRA vs Solo 401k vs SIMPLE IRA
    While completing my taxes this year, I started noticing that I would have a sizable tax bill due from self-employment income unless I found a way to reduce my taxable income.Our (my wife and I ...Self-Employed Retirement Plan Faceoff: SEP IRA vs…
    - 3 days ago, 21 Apr 14, 6:08am -
  • 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 Open Enrollment…
    - 8 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…
    - 10 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…
    - 15 days ago, 9 Apr 14, 6:04am -

Beating Broke

  • newDirty Germy Cash; 6 Reasons I Love Using It Now
    I used to put everything on the credit card and pay it off in full every month. Then I took Dave Ramsey’s Financial Peace University course. Now I use cash envelopes. All of the benefits of cash envelopes did not become clear to us until my wife an…
    - 4 hours ago, 24 Apr 14, 6:56am -
  • How a Drop in Income Turned Out to Be a Good Thing
    Over the last few months, my husband and I have lost some income.  Not a little drop in income.  About 20 to 25% of our monthly income.  And let me tell you, we weren’t earning more than the median income for a family of five to begin with. Our…
    - 2 days ago, 22 Apr 14, 6:53am -
  • 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…
    - 9 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…
    - 21 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…
    - 24 days ago, 31 Mar 14, 7:15am -

20s Money

  • newStart Protecting Your Home And Assets From Theft Today
    No one wants to come home after a long day at work or after a relaxing vacation and find his or her home vandalized and burglarized. Thankfully, there are things you can do to protect your belongings and family, and it starts with a few common sense…
    - 20 hours ago, 23 Apr 14, 3:15pm -
  • Are You Making These 4 Interview Mistakes?
    Interviews are one of the most stressful and nerve wracking parts of the job searching process. Most people are fearful that their nerves will get the best of them and cost them the job, but it may not be your nerves that ruin your chances; it may be…
    - 2 days ago, 22 Apr 14, 8:14pm -
  • Can One Cash Advance Help You Get Another?
    When it comes to money management tips for students, the main tip that all students should heed is this: Work hard to make sure that you maintain a good credit score. It can impact your financial options for the rest of your life. That being said, it…
    - 4 days ago, 20 Apr 14, 9:58pm -
  • 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…
    - 11 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…
    - 16 days ago, 8 Apr 14, 9:31pm -


  • Telemedicine: Would You Pay for an Online Visit to the Doctor?
    If you enjoy visiting the doctor, please raise your hand. Well, too bad I can’t actually see any of you, but I’m going to go out on a limb and say that very few of those reading this actually enjoy going to the doctor.   Those that do enjoy goi…
    - 3 days ago, 21 Apr 14, 2:15am -
  • 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…
    - 10 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,…
    - 17 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…
    - 24 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…
    - 31 days ago, 24 Mar 14, 2:03am -

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

  • newSome Considerations Before Buying Your First Home
    Buying your first home can be a very exciting time. It also can be extremely trying and stressful. There are so many variables and you do not want to misstep as this is most likely going to be one of the most expensive decisions of your life. Thankfu…
    - 1 hour ago, 24 Apr 14, 9:34am -
  • Optimizing your Car Insurance with Simple Tips
    Car insurance is certainly one of those necessary evils in life. You want to be adequately covered, but you do not want to have to pay an arm and a leg every month for coverage. By spending a little time and researching the different options though y…
    - 2 days ago, 22 Apr 14, 10:06pm -
  • Should You Move In With Your Significant Other Before Marriage?
    Before purchasing anything of value these days, Americans as consumers want to take it for a spin so to speak. There have been several schools of thought as to whether or not living together before marriage leads to a happier marriage. Traditionally…
    - 4 days ago, 20 Apr 14, 6:00pm -
  • Budgeting for a Life After Your Wedding
    Your wedding is an incredibly expensive experience. Although it is an experience that you will remember for the rest of your life, it is also an experience that will unsettle you financially, meaning that you’re incredibly likely to be short of mon…
    - 6 days ago, 18 Apr 14, 10:09am -
  • 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…
    - 11 days ago, 13 Apr 14, 5:24pm -

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…
    - 10 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…
    - 15 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…
    - 29 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 asked me…
    - 35 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…
    - 44 days ago, 11 Mar 14, 5:43pm -

Broke Professionals

  • The Costs of Moving – Part One
    The Costs of Moving – Part One is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Americans move on average once every 12 years, according to the 2009 National Association of Home Builders data.   It c…
    - 4 days ago, 20 Apr 14, 2:04pm -

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…
    - 57 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

  • newHow to Increase the Chances You Will Qualify for a Mortgage
    A lender takes a big chance on you when you borrow to buy a home. The lender pays hundreds of...The post How to Increase the Chances You Will Qualify for a Mortgage appeared first on Quizzle Wire.
    - 4 hours ago, 24 Apr 14, 7:00am -
  • Your Credit Score and Your Car Loan
    If you’re in the market for a new car, you probably have a couple numbers on your mind: the mileage,...The post Your Credit Score and Your Car Loan appeared first on Quizzle Wire.
    - 1 day ago, 23 Apr 14, 7:00am -
  • The Effects of Divorce on Your Credit Score
    In many marriages, one spouse pays little to no attention to the household finances. But if the marriage is coming...The post The Effects of Divorce on Your Credit Score appeared first on Quizzle Wire.
    - 2 days ago, 22 Apr 14, 9:15am -
  • Make Quarterly Tax Payments Electronically
    Now that Tax Day is passed, it’s a good time to take stock of your situation, and make arrangements to...The post Make Quarterly Tax Payments Electronically appeared first on Quizzle Wire.
    - 3 days ago, 21 Apr 14, 1:00pm -
  • Why a Credit Card Can Be a Good Idea
    Many of us are used to thinking of credit cards as evil. And it’s true that carrying credit cards and...The post Why a Credit Card Can Be a Good Idea appeared first on Quizzle Wire.
    - 3 days ago, 21 Apr 14, 7:00am -

Funny About Money

  • newThe Wages of Messiness
    …or possibly of procrastination… Soooo much paper comes pouring into this house, most of it generated by financial institutions and by Medicare, that the steady torrent of the stuff quickly floods the desktop. Shovel off the desk one day, and a d…
    - 19 hours ago, 23 Apr 14, 3:43pm -
  • Prescription Pills: Proceed with Caution
    The past few weeks, what with a new pup to tend to, a bunch of paying work (and more incoming), the scheme to self-publish three books, and a busy Holy Week, I’ve hardly had any sleep at all. Pup regularly lobbies to go out at 4 in the morning, and…
    - 2 days ago, 22 Apr 14, 7:14am -
  • Monday, Monday
    Another week gone by in a blink. How can it be Monday again? It was Tuesday yesterday, I’m sure of it… This Holy Week seemed unusually hectic in the singing department. In addition to the usual Wednesday rehearsal, we had Maundy Thursday and then…
    - 3 days ago, 21 Apr 14, 10:56am -
  • Happy Easter Egg!
    Cassie and Ruby’s Easter “Egg”: The THING, one of Cassie’s toys, hanging from a piece of clothesline rope off a rafter on the back  porch (click on the images for bigger and better resolution). Cassie examines the object, to be sure it’s s…
    - 5 days ago, 19 Apr 14, 4:47pm -
  • First 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…
    - 7 days ago, 16 Apr 14, 11:32pm -

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…
    - 8 days 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…
    - 35 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…
    - 43 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…
    - 52 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…
    - 69 days ago, 14 Feb 14, 9:22am -

Prairie EcoThrifter

  • newSuccess and Failure: What Are You Afraid Of?
    When you ask people if they’d do something crazy like spend two years alone on a deserted island for a million dollars, more often than not, the answer is yes. They’re willing to eat a bug or walk through fire, but when it comes to the much simpl…
    - 10 hours ago, 24 Apr 14, 12:28am -
  • 5 Ways to Keep Your Home Clutter Free
    I’m on a mission to declutter our home.  Unfortunately, this isn’t my first time.  Three years ago, before we moved to our current home, I decluttered.  Boy, did I declutter.  I took at least three trunks full of “stuff” to Goodwill, I ha…
    - 1 day ago, 23 Apr 14, 12:28am -
  • The Top Three Ways People Get Rich
    Being rich means different things to different people at different points in their lives. For some folks, millions of dollars don’t make them feel rich, but for others a few hundred thousand may do the trick. It all depends on what you want from li…
    - 2 days ago, 22 Apr 14, 12:28am -
  • Which Type of Home Should You Buy?
    In 2012, when we were house shopping, we felt assaulted with all of the choices that there were. Did we want 2 bedrooms, or more? Land, or low maintenance? Which city did we want to live in? Was proximity to amenities important, or would we prefer th…
    - 3 days ago, 21 Apr 14, 12:28am -
  • Ways to Celebrate Easter with your Older Tweens and Teens
    The message that “Christ is Risen” reverberates around the world at Easter. Christians everywhere celebrate. Coming at the start of spring as it does, everyone has cause to celebrate – especially when the winter has been cold and long. Celebrat…
    - 6 days ago, 18 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

  • Parents ‘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…
    - 7 days 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…
    - 9 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…
    - 17 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…
    - 22 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…
    - 23 days ago, 1 Apr 14, 5:09am -

20's Finances

  • 4 Job Search Rules to Break
    When it comes to job searching and submitting resumes, most job seekers follow the same tried and true rules. But what if these rules were actually preventing you from landing your dream job. Depending on what kind of job you’re looking for, you ma…
    - 3 days ago, 21 Apr 14, 2:44pm -
  • How To Write Research and Term Papers
    Writing a term paper or research paper for class can be one of the worst things about a class for many students. But the reason it is disliked so much isn't because of the writing of the paper itself, it's the work that you have to do leading up to a…
    - 3 days ago, 21 Apr 14, 7:16am -
  • The Hidden Factors that Determine Long-term Financial Success
    Reckless spending and irresponsible borrowing is a recipe for disaster even during an economic upturn, as a sudden or unexpected decline can ultimately leave you facing a mountain of personal debt and a paucity of income with which to diminish it.
    - 3 days ago, 21 Apr 14, 7:11am -
  • The Need To Invest
    When it comes to investing, the younger generation is falling behind. And who can blame them? For most, they witnessed the tail end of the great bull market in the 1990's, only to witness the stock market come tumbling down during the dot com bust. S…
    - 6 days ago, 18 Apr 14, 3:00am -
  • 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,…
    - 9 days ago, 15 Apr 14, 4:52pm -

Careful Cents

  • new10 Mind-Blowingly Simple Hacks to Earning More Money With Less Work
    I’m coming up on the 1-year anniversary of quitting my job and leaping full-time into entrepreneurship. It’s been quite a journey over the past year, but I’ve discovered a lot. One of the biggest lessons I’ve learned is to be more thoughtful…
    - 4 hours ago, 24 Apr 14, 7:00am -
  • The Manual: Q&A With Author Tim Murphy
    I’m a long-time 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…
    - 15 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…
    - 22 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…
    - 24 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…
    - 27 days ago, 28 Mar 14, 6:00am -

Everything Finance

  • Three Easy Ways to Prevent Food Waste
    Three Easy Ways to Prevent Food Waste is a post originally published on: Everything Finance - Everything Finance - Its all about Money!In many third world countries, wasting food is not even considered an option, especially when there is usually no…
    - 2 days ago, 22 Apr 14, 9:08pm -
  • Looking 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 days 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…
    - 13 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…
    - 14 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…
    - 19 days ago, 5 Apr 14, 6:07pm -


  • 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…
    - 8 days 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…
    - 8 days 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…
    - 16 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…
    - 20 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…
    - 22 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

  • newRoad Trip Tips – for Traveling with Your Grandchild
    My family has kind of a tradition of Grandparents taking grand-kids on trips. Mom started it, taking my son to Boston when he was 9. My aunt and uncle took each of their 4 granddaughters on one trip – one … Continue reading →
    - 10 hours ago, 24 Apr 14, 1:00am -
  • Choose 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 →
    - 7 days 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 →
    - 10 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…
    - 16 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…
    - 23 days ago, 1 Apr 14, 1:00am -

Stumble Forward

  • I Need Your Feedback! 5 Questions In Less Than 5 Minutes
    I need your feedback! Take a moment and answer my new survey right here. Currently I’m looking to get a little insight from you, the Stumble Forward readers of this blog.  I’m doing this to learn more about you the reader to help make adjustment…
    - 1 day ago, 23 Apr 14, 9:05am -
  • How To Stack Up Air Miles For A Great Family Vacation
    I’ve been traveling at least once a month for over 10 years due to my job. I have enjoyed a successful career in sales, and I visit retail locations throughout the United States and Central America to meet with branch managers and train new employe…
    - 2 days ago, 22 Apr 14, 9:15am -
  • SFP 009: How to Pay Off Your Credit Card Debt Fast
    In today’s episode of the Stumble Forward Podcast I talk about a unique way to pay off your credit card debt in a much faster way. Today the average american carries roughly $15,000 of credit card debt and what’s worse is most of us struggle to g…
    - 3 days ago, 21 Apr 14, 8:01am -


  • 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…
    - 31 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…
    - 43 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…
    - 57 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

  • How Long Should Debt Be a Responsibility?
    We became aware of a particularly interesting Government policy about 2 weeks ago (along with the rest of America) when the Washington Post wrote about the Social Security Administration attempting to collect debts that were generations – quite lit…
    - 1 day ago, 23 Apr 14, 6:15am -
  • How Much Did You Save in 2013?
    Some of our longer term readers enjoy this time of year on DQYDJ, because we post a Personal Finance article actually directed inwardly – namely, an expose of the PK household spending habits. We appreciate being held accountable on this front –…
    - 3 days ago, 21 Apr 14, 6:10am -
  • The DQYDJ Weekender, 4/19/2014
    A reminder – you can get me in audio form too!  Catch the recent episode of Stacking Benjamins, where I talk about Dollar Cost Averaging. So, we’re pretty annoyed about this whole Census Bureau changing their health insurance questions thing. Yo…
    - 5 days ago, 19 Apr 14, 9:53am -
  • A 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…
    - 7 days 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…
    - 10 days ago, 14 Apr 14, 6:15am -

The Debt Princess

  • Earn Money While You Get Healthy with PactApp
    Want to get me motivated to do something? Attach a monetary reward to it. Want me to work out more? Threaten to fine me if I don’t. And that is the concept behind the awesome app I have been using,…Read more →
    - 1 day ago, 23 Apr 14, 7:30am -
  • Stress Stinks…Literally! + $25 Walmart Giveaway
    Like most moms, my schedule is jam packed. During the past few years I was working outside the home, going to grad school, writing as a freelancer, blogging, working a weekend job for extra money, shuttling two boys to soccer…Read more →
    - 3 days ago, 21 Apr 14, 6:00am -
  • Update on Life, My Health and This Blog
    If you’ve been even a semi-regular reader of this blog for any length of time, then you know that I’m not very good at posting on a regular basis. I mean to post more often. I WANT to post more…Read more →
    - 4 days ago, 20 Apr 14, 11:25am -

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

  • Is It Cost-Effective to Remodel the Kitchen Before Selling a Home?
    Homeowners who plan to relocate often consider making property upgrades before placing their homes on the market. After years of homeownership, sellers want to feel satisfied with the resale values of their homes. One way to improve the return on the…
    - 2 days ago, 22 Apr 14, 5:10pm -
  • 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…
    - 14 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…
    - 15 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…
    - 43 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.…
    - 48 days ago, 7 Mar 14, 5:24pm -


  • 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…
    - 16 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…
    - 17 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…
    - 44 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…
    - 65 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…
    - 72 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…
    - 42 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…
    - 67 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…
    - 68 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…
    - 85 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…
    - 88 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 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

  • Cash vs. Credit
    Having a budget doesn’t restrict you, it actually gives you freedom to spend money! Follow these few simple tips and you will naturally save and spend less.The post Cash vs. Credit appeared first on Debt Free Squad.
    - 3 days ago, 21 Apr 14, 4:28pm -
  • 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:…
    - 42 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…
    - 44 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: For the FREE 40-Week Debt Re…
    - 67 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…
    - 76 days ago, 7 Feb 14, 3:12pm -

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…
    - 77 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…
    - 77 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…
    - 79 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…
    - 81 days ago, 2 Feb 14, 7:08am -
  • How Safe is Your Teen from a Disastrous Financial Future?

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

Go Banking Rates


  • 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…
    - 60 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…
    - 61 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…
    - 62 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…
    - 66 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…
    - 67 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 -


  • Are Condominium Common Area Expenses Deductible?
    Many baby boomers that are beginning retirement may be selling their homes to move into a condominium. Others may be motivated to purchase a condo for a secondary source of income. Whichever the case, new condo owners should maximize their tax s…
    - 4 days ago, 20 Apr 14, 10:43am -
  • How Can You Expand Your Small Business?
    Not accessing expansion-oriented capital could mean a missed opportunity to gain on their competition. More nimble business owners seize on that opportunity like Utica, New York based auto-collision and repair shop, Whitesboro Frame & Body. We ha…
    - 6 days ago, 18 Apr 14, 1:17pm -
  • Your Chances Of Being Audited By The IRS May Have Decreased
    Most taxpayers can finally breathe a sigh of relief after filing their returns on time. However, many may still be a bit uneasy as the concern of a future IRS audit can always loom in the future. Read More.
    - 6 days ago, 18 Apr 14, 12:48pm -
  • 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…
    - 13 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…
    - 17 days ago, 7 Apr 14, 6:12pm -

The Truth About Mortgage

  • newWhere Home Sales Are Moving the Fastest…and Slowest
    Real estate is local. We hear that constantly, despite being force-fed national housing statistics all the time.  But both serve a unique purpose to give us clues about the direction of the overall economy, or just our local housing market. A new an…
    - 23 hours ago, 23 Apr 14, 11:34am -
  • Don’t Count on the FHA Lowering Insurance Premiums Anytime Soon
    The fight to keep the FHA affordable to would-be home buyers is heating up. Despite some intense efforts to get the FHA to bring down its annual mortgage insurance premiums to pre-crisis levels, it probably won’t happen this year. Or even next year…
    - 2 days ago, 22 Apr 14, 7:37pm -
  • As Real Estate Recovers, Americans Say Housing Is the Best Long-Term Investment
    A new survey from Gallup revealed that Americans are increasingly bullish on housing as a long-term investment. Earlier this month, the polling company conducted phone interviews with over a 1,000 participants to determine the most attractive investm…
    - 2 days ago, 22 Apr 14, 11:28am -
  • The 3% Down Payment Mortgage Has Returned
    Well that didn’t take long. Only about six months after we bid adieu to 3% down mortgages, they have resurfaced. But this time things are a little different. Though Fannie Mae and Freddie Mac still don’t accept mortgages with less than five perce…
    - 3 days ago, 21 Apr 14, 1:08pm -
  • The 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…
    - 7 days ago, 17 Apr 14, 3:57pm -

All About Living With Life

  • new21 Ways to Perk Up Your Productivity
    Sometimes your productivity needs a boost.Like those days when you can’t seem to make any progress on your list.Or when, no matter what you do, you can’t get your energy level up.How do you get going when you just don’t feel like, well, going?…
    - 17 hours ago, 23 Apr 14, 5:30pm -
  • newHow to Be More Grateful and Why It Will Make You Happier – Definition
    No matter your background, it’s likely that you’ve experienced a mixture of triumph and hardship in your life. Life is sprinkled with joyous occasions such as weddings and births, as well as heartaches like divorces and deaths. In between the hig…
    - 17 hours ago, 23 Apr 14, 5:30pm -
  • 6 Things Shy People Can Teach Us About Success
    Chances are we’ve all experienced a bout of shyness in our lives, whether it’s when we've walked into a party full of strangers or tried to shine in a job interview. And if you identify as a shy person, you’re definitely not the only one -- app…
    - 2 days ago, 22 Apr 14, 5:30pm -
  • 7 Simple Truths about Dressing with Less
    Even when what we want most is change, we resist it. When we hear about an idea that sounds interesting, but uncomfortable, the most logical reaction is to turn andwalk run away. At least that’s how I operate. And after all of the resistance and…
    - 2 days ago, 22 Apr 14, 5:30pm -
  • 10 Habits You Should Take Up To Live To 100
    Living to be 100. It’s a lofty goal, but one most of us want. It’s seemingly the magic number for a long, prosperous life. But 100 years on the planet is very different than loving life each of those 100 years. Here are 10 habits your should take…
    - 3 days ago, 21 Apr 14, 5:30pm -


  • 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 -