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Get Rich Slowly

  • newChallenging traditional measures of financial success: Homeownership
    This article is by staff writer Kristin Wong. (This is part II in a series about challenging traditional measures of financial success. Part I was The “Ivory Tower”: Reconsidering the college investment.) Last week, I was having dinner with my ne…
    - 17 hours ago, 20 Aug 14, 5:00am -
  • Approaching retirement: What now?
    This article is by staff writer William Cowie. Retirement, that magic day you’ve had in your sights for decades, is finally coming into view. You may be in your 40s or 50s, and the big day may be next month or in a few years. Whatever your age and…
    - 2 days ago, 19 Aug 14, 5:00am -
  • What to consider before you invest in a college education
    This post is by staff writer Honey Smith. I’ve spent the last 15 years of my life working at three universities, wearing many different hats during that time. As you can imagine, this means that I’ve developed an opinion or two when it comes to h…
    - 3 days ago, 18 Aug 14, 5:00am -
  • Ask the Readers: How do you function with bad credit or no credit?
    This article is by editor Linda Vergon. Gina Bean wrote in about her friend’s credit situation. Her friend has a car loan with a $936 balance. She doesn’t have a credit card – because she only earns $21,000 a year and doesn’t want to go into…
    - 6 days ago, 15 Aug 14, 5:00am -
  • Breaking taboo: Ask your friends and family for financial advice
    Note: This article is from J.D. Roth, who founded Get Rich Slowly in 2006. J.D. recently launched the Get Rich Slowly course, a year-long guide on how to master your money. His non-financial writing lives at More Than Money. Last weekend, Kim and I w…
    - 7 days ago, 14 Aug 14, 5:00am -

The Simple Dollar

  • newBest Low Interest Credit Cards of 2014
    Before searching for the best low interest credit card, you should understand what “low interest” really means. Credit cards typically carry rates several times that of other types of credit, but you can find cards that offer a 0% intro APR for a…
    - 4 hours ago, 20 Aug 14, 6:26pm -
  • newFrugality and Hoarding
    Jerome sent me a great question for the reader mailbag, but I found that my answer was getting too long so I chose to spin my response off into its own post. Jerome asked this: One of the big ideas of frugality is to not waste anything. That just see…
    - 14 hours ago, 20 Aug 14, 8:00am -
  • Nine Strategies for Fixing Common Budget Problems
    Budgets are an amazing tool for getting a clear picture of your financial situation and for planning for the future. They make it possible to see, in one overall place, the exact state of your monthly spending. You know where every dime is going. You…
    - 2 days ago, 19 Aug 14, 8:00am -
  • Questions on Expensive Cars, Airbnb, Cheap Meals, Dollar Stores, and More!
    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. Handling old collection 2. Interesting experience with generic aspirin 3.…
    - 3 days ago, 18 Aug 14, 8:00am -
  • Books with Impact: How to Win Friends and Influence People
    The “Books with Impact” series takes a deeper look at specific books that have had a profound impact on my financial, professional, and personal growth by extracting specific points of advice from those books and looking at how I’ve applied the…
    - 5 days ago, 16 Aug 14, 8:00am -

Consumerism Commentary

  • newWells Fargo Improving Transaction Posting Order
    Banks typically look for every possible instance to charge customers to fees. That’s why it’s particularly important to stay aware of your bank account balances. With the increasing popularity of automatic payments (outgoing) or automatic withdra…
    - 3 hours ago, 20 Aug 14, 7:17pm -
  • newShould You Take the ALS Ice Bucket Challenge?
    If you’ve been online in the past week or two, you have no doubt seen viral videos of strangers — and maybe even your friends — dumping buckets of ice over their heads. There is a charitable cause behind these videos. Most, or at least some, of…
    - 9 hours ago, 20 Aug 14, 12:41pm -
  • FICO Score 9: Fair Isaac Changing Credit Score Algorithm Again
    FICO Score 9 is an improvement over FICO 08, and may be more consumer friendly and fair. But will it have any overall effect for consumers?FICO Score 9: Fair Isaac Changing Credit Score Algorithm Again is a post from Consumerism Commentary. New to Co…
    - 10 days ago, 11 Aug 14, 9:26am -
  • Beware the Inspirational Story or Your Wallet Will Suffer
    Storytelling is powerful, and is the smart marketer's tool for separating consumers with their money. Watch out for inspirational stories.Beware the Inspirational Story or Your Wallet Will Suffer is a post from Consumerism Commentary. New to Consumer…
    - 13 days ago, 8 Aug 14, 9:55am -
  • How Depression Threatens Financial Well-Being
    Depression prevents people from making what other would consider "logical" financial decisions.How Depression Threatens Financial Well-Being is a post from Consumerism Commentary. New to Consumerism Commentary? Start here.
    - 15 days ago, 5 Aug 14, 12:36pm -

Free Money Finance

  • newPodcasts that Provide Great Value
    On my post titled Almost Infinite Investment Return, I had one reader ask me what podcasts I listened to (thinking that something we get for free could certainly have an infinite return). I responded there, but also thought it would...
    - 18 hours ago, 20 Aug 14, 3:29am -
  • Average and Median Net Worths
    Here's an interesting article from CNN Money. It has a bit of "down with the rich" tone that I dislike (they say the U.S. has the "top rank in one net worth measure -- wealth inequality") but it lists average...
    - 3 days ago, 18 Aug 14, 3:29am -
  • Real Estate "Profits" and How I Stack Up
    Here's an article from CNN Money that hits a few buttons for me. First, it's about real estate investing. Second, it lists the "best" markets to become a landlord. I thought I'd compare my results with the best. Third, it...
    - 6 days ago, 15 Aug 14, 3:29am -
  • Why People Have Money Problems
    I recently received a GREAT email from an FMF reader that went as follows: For once a straight shooting article from the mainstream financial press. It basically says people have money problems because: They spend too much on housing They...
    - 8 days ago, 13 Aug 14, 3:29am -
  • When It's Wise to Delay Taking Social Security
    We've discussed back and forth through the years about whether or not it's wise to delay Social Security payments (or, said another way, not take them early). Ultimately, it most depends on how long you'll live -- a question that...
    - 10 days ago, 11 Aug 14, 3:29am -

Wise Bread

Planting Money Seeds

  • How to Determine Your Investing Style
    Successful investing is, in part, about determining your own investing style. Invest like yourself — not like someone else. One of the most important things you can do for your money, especially when it comes to your investment portfolio, is to kno…
    - 2 days ago, 19 Aug 14, 7:52am -
  • Create Your Own Benefits Package When Self-Employed
    When you own a business, you don’t have the luxury of benefits from “the man.” You need to create your own benefits package when self-employed. Earlier this week, my buddy Glen at Free From Broke shared an interesting article in the Wall Stree…
    - 7 days ago, 14 Aug 14, 6:49am -
  • The Credit vs Debit Debate
    It’s a question you probably get asked at least once a day—“credit or debit?” If you’re like most people, you carry both types of plastic in your wallet. However, what you might not know is that both forms of payment come with a certain s…
    - 8 days ago, 13 Aug 14, 6:46am -
  • 6 Tax Tricks to Increase Your Bottom Line
    Business is booming, and that’s a good thing in most scenarios. However, come April 15th you start to wonder if there is anything you could have done to decrease your tax liability. All business are subject to federal–and sometimes state and muni…
    - 9 days ago, 12 Aug 14, 6:58am -
  • Hard Financial Truths: Money = Choice
    One of the hard financial truths is that money — whether or not you control it and how much you have — is more important than hard work or preference when it comes to your options. We like to have choices. With the issue of The Move, I find that…
    - 10 days ago, 11 Aug 14, 6:03am -


  • 5% Cash Back Credit Cards, August 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:…
    - 11 days ago, 10 Aug 14, 7:00am -
  • 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…
    - 16 days ago, 5 Aug 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…
    - 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 -
  • 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 -


Five Cent Nickel

  • newAre You Looking For A New Job?
    If so, you might be in a better position than you think. The Bureau of Labor Statistics, or BLS as it’s more commonly known, keeps track of more than just unemployment statistics. Any time geeks try to analyze something, they go into inordinate det…
    - 20 hours ago, 20 Aug 14, 2:00am -
  • Buyer, be very wary
    I recently spent the better part of an hour being tortured by bankers. Given the contentiousness of the conversation, it is entirely possible that they saw themselves as being tortured by me. However, considering that they had my money and were the o…
    - 3 days ago, 18 Aug 14, 2:00am -
  • Burglary Explained by Burglars
    This guest post from our partner site Zing! was written by Tim Krebs, corporate communications manager for Protect America Home Security. Tim regularly contributes to the Protect America Home and Life Blog and covers a variety of homeowner-related t…
    - 6 days ago, 15 Aug 14, 2:00am -
  • New Businesses Foreordained to Failure
    In this rapidly changing world, it’s comforting to know that some things never change. They are as immutable as the Rock of Gibraltar, as permanent as the sands of the Mojave, and as unalterable as the seven seas and stars above. Want an example? T…
    - 8 days ago, 13 Aug 14, 8:10am -
  • Tips to Save Money on Back-to-School Shopping
    According to the National Retail Foundation’s 2014 Back-to-School Survey, the average family with children in grades K-12 will spend $669.28 on apparel, shoes, supplies and electronics. It is even higher for college students. It is about this time…
    - 10 days ago, 11 Aug 14, 2:00am -


  • newSqueezing in a Last Minute Summer Getaway
    It’s not too late to squeeze in a last-minute summer getaway.  Whether you’re looking for something adrenaline pumping or serene   – there’s no doubt that creating a budget will help you plan. Here are seven budget-friendly tips to help yo…
    - 12 hours ago, 20 Aug 14, 10:00am -
  • Cocktails on the Cheap: 4 Ways to Save on Drinks This Summer
    Scorching summer temperatures and outdoor gatherings with friends and family have people  thirsting for cool,  refreshing cocktails on a budget.  Here are four easy ways to mix up some mouth-watering beverages without putting a strain on your wall…
    - 5 days ago, 15 Aug 14, 10:00am -
  • Get an A+ on Back-to-School Savings (infographic)
    Ready to fill this year’s backpack with all new school supplies? Check out how much the average American spends on back-to-school and get an A+ on your spending by following these easy savings tips!  Click on “Launch Infographic” for an expa…
    - 7 days ago, 14 Aug 14, 9:00am -
  • 3 Situations That Call for a Budget Calculator
    A $100 spent here. A $1,000 spent there. Whether you’re planning for your wedding, buying back-to-school supplies or starting your own business, keeping track of the amount of money you spend on each transaction is difficult if you don’t really k…
    - 7 days ago, 13 Aug 14, 11:30am -
  • Back to School: Be Money Smart
    People always told me that college is fun. That it would be the best years of my life. But what those people didn’t mention was that while college is definitely fun, it’s also woefully expensive. I’m not just talking about tuition and room & bo…
    - 9 days ago, 11 Aug 14, 11:16am -


  • 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…
    - 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…
    - 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…
    - 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…
    - 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…
    - 28 Jan 14, 4:00am -

The Consumerist

Man Vs. Debt

  • Re-Evaluating Your Financial Priorities
    Note: This is a post from Joan Otto, Man Vs. Debt community manager. Read more about Joan. Since I shared my report from the three-year mark of my battle against debt, I’ve been amazed at the kind words from so many members of the Man Vs. Debt co…
    - 28 Apr 14, 6:00am -
  • 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…
    - 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…
    - 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,…
    - 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…
    - 24 Mar 14, 6:00am -

Frugal Dad

  • Report Predicts STEMM Jobs Growth Will Outpace STEMM Graduates
    The President’s Council of Advisors on Science and Technology estimates there will be 1 million fewer graduates in the fields… READ MOREThe post Report Predicts STEMM Jobs Growth Will Outpace STEMM Graduates appeared first on Affordable Schools O…
    - 86 days ago, 27 May 14, 3:00am -
  • Enrollment Shortfalls Breed Competition For College Students
    Many private colleges depend on tuition for their annual budgets. As summer rolls in, colleges that are not on target… READ MOREThe post Enrollment Shortfalls Breed Competition For College Students appeared first on Affordable Schools Online.
    - 93 days ago, 20 May 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…
    - 21 Apr 14, 3:00am -
  • Student Loans: Think Before You Borrow
    On average, a college graduate earns just over $47,000 per year. On the other hand, individuals who possess only a high… READ MOREThe post Student Loans: Think Before You Borrow appeared first on Affordable Schools Online.
    - 18 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.
    - 16 Apr 14, 3:00am -


  • newHow to Keep Back-to-School From Breaking the Bank
    My oldest daughter just started kindergarten — and I’m quickly realizing school is going to be more expensive than I’d anticipated. Though I was ready for some expenses, like clothes, lunches, and supplies, others — like the classroom cleanin…
    - 16 hours ago, 20 Aug 14, 6:00am -
  • 3 Tips for Taking a Career Break — The Right Way
    It’s a growing trend: stepping away from your career for a brief period of time. These “career breaks” are catching on because more people are designing their lives around their own goals and interests. Some people choose to take a career break…
    - 2 days ago, 19 Aug 14, 6:00am -
  • Thinking About Driving for Uber or Lyft? Watch Out for These Insurance Issues
    I’m a big believer in the sharing economy. I think it makes great sense for individuals to share the things they own but aren’t using. Everybody wins when you rent out your home, car, bicycle, or services: You earn money, and your customer gets w…
    - 3 days ago, 18 Aug 14, 6:00am -
  • Always a Bridesmaid: How to Survive a Wedding Party Without Going Broke
    Being asked to be in someone’s wedding is supposed to be a special honor — but by the time the wedding rolls around, it can feel like the bride has asked you to give her a direct line to your checking account. Though bridesmaids definitely have m…
    - 5 days ago, 16 Aug 14, 6:00am -
  • Living the Dream: How a Traveling Career Could Save You Money
    I’ve always wanted to travel the world. Since 2011, I’ve been able to visit two foreign countries — but one of them was Canada, so does that even count? A few of the biggest challenges to my dreams of world travel are (1) the expense, and (2) t…
    - 6 days ago, 15 Aug 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

All Financial Matters

  • The Light at the End of the Tunnel
    Nearly a year ago we found out we were moving. My wife accepted a new position that was too far for her to commute long-term. Unfortunately, our old house was not market ready. We bought the house in 1999. It needed a lot of work then but we were low…
    - 12 days ago, 8 Aug 14, 4:35pm -
  • Quote of the Day from James Allen
    I couldn’t sleep last night, so I got up and did some reading. I read the book, As a Man Thinketh by James Allen. The following quote stood out to me: Here is a man who is wretchedly poor. He is extremely anxious that his surroundings and home comf…
    - 86 days ago, 27 May 14, 8:43am -
  • 70% of Americans Can’t Answer These Three Questions Correctly
    IF this is true, it’s very sad. According to Business Insider, 70% of Americans cannot answer all three of these questions correctly (not sure how they came up with that number, but we’ll go with it). 1. Suppose you had $100 in a savings account…
    - 12 May 14, 8:37am -
  • I Have Officially Been Banned from Pamela Yellen’s Blog
    There is no discussing facts Pamela Yellen. Here’s a copy of our back and forth for your entertainment: JLP says: April 28, 2014 at 5:49 pm Why did you choose to use price returns for the S&P 500 and Dow Jones Industrial Averages instead of real re…
    - 6 May 14, 11:10am -
  • Unemployment Rate Funny Business
    Did you hear the news? Non-farm payrolls increased 288,000 in April and the unemployment rate “plummeted” .4% to 6.3%. See this Yahoo! story. At the same time the employment participation rate fell .4% to 62.8%. In case you don’t know, the part…
    - 2 May 14, 10:12am -

Cash Money Life

  • I Joined the Air National Guard
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at I Joined the Air National Guard.Last week I joined the Air National Guard. If you aren’t familiar with how the military is structured, the National…
    - 6 days ago, 14 Aug 14, 3:23pm -
  • 2014 Sales Tax Holiday – Tax Free Back To School Shopping
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 2014 Sales Tax Holiday – Tax Free Back To School Shopping.Summer may still be in full swing, but parents of school age children only have a few wee…
    - 20 days ago, 31 Jul 14, 3:34pm -
  • Net Worth and Personal Worth – Does Money Define You?
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Net Worth and Personal Worth – Does Money Define You?.One of the things that has disturbed me recently is the fact that some of the people in my li…
    - 20 days ago, 31 Jul 14, 3:11pm -
  • Ten Ways to Maintain the Value of Your Car
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Ten Ways to Maintain the Value of Your Car.A lot of car owners become concerned with the value of their cars only when it comes time to sell them. Bu…
    - 37 days ago, 14 Jul 14, 1:15pm -
  • TradeKing Promotions – Best Promo Ever – $1,000 in Commission Free Trades!
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at TradeKing Promotions – Best Promo Ever – $1,000 in Commission Free Trades!.TradeKing is one of the leading online discount brokers, and they are…
    - 54 days ago, 27 Jun 14, 11:05am -

PT Money

Clever Dude

  • newCost Comparison: Is Laundry Soap Really Cheaper at a Club Store?
    Back in April when I renewed my executive Costco membership, I vowed that I would start buying as many household items there as I could in order to take advantage of the 2% cashback perk. However, it would be foolish to just buy items at Costco for t…
    - 19 hours ago, 20 Aug 14, 3:00am -
  • Forex Economic Indicators: Sorting Out the Financial and Economic Data
    Trading forex is unlike other forms of financial trading. For one, you’re stepping onto the largest financial stage in the world. More transactions take place here in the forex market than in all other financial markets in the world combined. In fa…
    - 2 days ago, 19 Aug 14, 6:35am -
  • The Back To School Sale That Wasn’t
    Image courtesy of stockimages at Business will do almost anything to get you through their door and buying their merchandise. I’ve seen jewelry store commercials boasting 75% off, with the fine print stating that the original…
    - 3 days ago, 18 Aug 14, 3:56am -
  • Clever Posts of The Week – August 15th
    For awhile my wife and I were going out to eat pretty regularly, paid for courtesy of mystery shopping jobs.  She just mentioned the other day that it’s been awhile since we’ve done it, and asked why.  I really didn’t have a good answer for h…
    - 6 days ago, 15 Aug 14, 4:26am -
  • 5 Frugal Strategies that Will Save You Big Bucks
    You’re frustrated. You’re barely making ends meet and you’re sick of living paycheck to paycheck. It’s time to turn your financial life around. But where should you start? The internet is full of information that can help you save. The proble…
    - 7 days ago, 14 Aug 14, 9:00am -

Dough Roller

  • Should You Consolidate Debt with LendingClub or Prosper?
    LendingClub recently launched a new section of its website that lists statistics about borrowers and lenders. One data point that caught my eye is that about 50% of all LendingClub loans are for debt consolidation. Actually, at one point nearly 60% o…
    - 3 days ago, 18 Aug 14, 6:00am -
  • DR 099: 5 Gotchas with Commissioned Based Brokers
    A reader we’ll call Frank recently emailed me about his advisor (we covered part of his email about dividends here). She had placed him in A shares of American Fund mutual funds. This told me he was working with a commissioned-based broker, as thes…
    - 5 days ago, 16 Aug 14, 8:22am -
  • DR 098: Dividend Investing (Part 2): Mutual Funds and Dividends
    We began our series on dividend investing by examining the ins and outs of dividends. Today we continue the series by looking at how dividends work with mutual funds and whether the yield on a fund should be a key consideration in our investing decis…
    - 8 days ago, 12 Aug 14, 1:44pm -
  • DR 097: 3 Key Changes Just Made to the FICO Credit Scoring Formula
    The Fair Isaac Corp., better known as FICO, has introduced three major changes to its secret credit scoring formula. The changes relate to items referred to collections, medical debt, and consumers with limited credit history.  Believe it or not, th…
    - 10 days ago, 10 Aug 14, 7:39pm -
  • 5 Tools to Help You Find the Cheapest Textbooks
    Students spend thousands on textbooks. It doesn’t matter what field you’re studying. Literature? You’ve got to buy thirty-five novels for every class. Science or math major? Textbooks for these classes routinely cost upwards of $100 or more. Bu…
    - 16 days ago, 5 Aug 14, 6:00am -

Stop Buying Crap

My Money Blog

  • newWhy Didn’t Technology Create a 4-Hour Workday?
    Technology is supposed to make our lives easier over time, but what is the reality? We may not spend all day hunting and gathering anymore, but we still work similar hours to our great-grandparents. From the paper A Century of Work and Leisure [pdf]…
    - 21 hours ago, 20 Aug 14, 1:10am -
  • How Reliable Is The Income Stream From Dividend Stocks?
    If you’re trying to achieve early retirement, that means you have less time for compound interest and more time living off your investments. As a result, many early retirement investors like to own income-oriented investments like rental properties…
    - 2 days ago, 19 Aug 14, 12:37am -
  • Early Retirement Lesson #3: Home-Buying and Mortgage Advice
    Here’s another installment of what I would tell my kids about pursuing financial freedom (if they weren’t still in diapers). Previous topics have included the importance of savings rate and whether to focus on earning more or spending less. This…
    - 3 days ago, 18 Aug 14, 2:07am -
  • The Big Flavor Grill Cookbook: No Marinade, No Hassle Recipes (Book Review)
    Another thing I’ve been getting into this summer is grilling over 100% natural hardwood charcoal. My gateway drug was Alton Brown’s Steak on Coals recipe. The smell and flavor brings me back to my childhood, even though technically that was a pil…
    - 6 days ago, 15 Aug 14, 1:47am -
  • Costco Meal Planner Service: 20 Family Dinners For $150
    I know it’s still summer, but with two kids under two I’ve been trying to cook extra on the weekends and coast on the weekdays. This past weekend I made beef stew and pulled pork sandwiches in the slow cooker, and they turned out pretty good. Tod…
    - 7 days ago, 14 Aug 14, 2:03am -

Saving to Invest

  • Will I Get a Raise This Year? And What Is The Average Raise?
    Unless you are a senior executive of a Fortune 500 company you probably won’t be seeing a double digit raise this year. According to the seventh annual Compensation Planning Survey by Buck Consultants, workers who were among the highest-rated at th…
    - 75 days ago, 6 Jun 14, 1:52pm -
  • Fastest Growing State – Hands Down Texas!
    I sometimes ponder where I would move if I had to leave my current state (VA). And more and more, Texas seems to come to mind. This is because of three main factors – strong employment, housing affordability and quality of life (good weather, diver…
    - 87 days ago, 25 May 14, 9:10pm -
  • Obamacare Health Insurance Purchase Requirement Extended into April 2014?
    [Update March 31st 2013] Extension to purchase health coverage may now be in the works. The original deadline to purchase coverage, before incurring penalties was March 31st, 2014. But a number of state exchanges, like Covered California said th…
    - 31 Mar 14, 9:00am -
  • Average 2014 Refund Higher Than in 2013
    The IRS has published its latest statistics to date and it shows that tax filers are getting higher refunds in 2014 than they did in 2013.  To date, the IRS has processed most of the received returns (about 30% of total expected). Of the returns fil…
    - 8 Mar 14, 1:47pm -
  • Online IRS Tax Tools To Figure, Track and File Taxes For Free
    With the 2014 filing season now officially open tax payers can go to and leverage a number of tools that enables them to file their taxes for free, figure how much in additional tax credits they can get and even plan for their 2014 taxes. Th…
    - 31 Jan 14, 1:31pm -

No Credit Needed

  • newMy DIY Adventures
    Over the past few years, I’ve worked to improve my DIY skills.  Here are a few of the projects I’ve tackled – with an eye towards saving money and doing it myself. I replaced the garbage disposal below our kitchen sink.  This project was rel…
    - 3 hours ago, 20 Aug 14, 7:11pm -
  • I Still Buy Stuff I Do Not Need
    I have been writing about personal finance (as in, my own) for nearly a decade.  In that time, I’ve had some financial success – paying off my consumer debt, purchasing a new home – and some blogging success – mentioned in the New York Times…
    - 50 days ago, 2 Jul 14, 5:31am -
  • Fight For Your Independence And Get Out Of Debt
    Let’s not wait until January 1st to focus on getting out of debt.  It’s July – It’s time.  Fight for your independence-  and get out of debt, today! No doubt, a little dramatic, but you get the point.  Today is the day to start planning f…
    - 51 days ago, 1 Jul 14, 5:30am -
  • How To Stay Motivated While Getting Out Of Debt
    Let’s be real.  The idea of getting out of debt sounds awesome.  The day-to-day grind of getting out of debt… not so much. Here’s how to stay motivated while getting out of debt - Celebrate Your Progress – Check those numbers and get excite…
    - 52 days ago, 30 Jun 14, 5:30am -
  • Envelope System Video – Simple Cash Management
    I created this video 7  years ago (wow!) to demonstrate my favorite cash management system – the envelope system. I have been using the envelope system for nearly a decade and it really is a great system for managing cash and household expenses.…
    - 53 days ago, 28 Jun 14, 1:00pm -

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

  • new12 Month Goals and Workaholism (word?)
    Back from the beach and ready to party hearty! I mean, talk about money… :) It was a long and interesting vacation (the wife got incredibly sick and literally stayed in bed for 4 days, while baby nickel woke up every 2 hrs at night), but overall th…
    - 19 hours ago, 20 Aug 14, 3:06am -
  • How I Graduated College With $100k… in Savings
    [J$ is recovering from beach week and shall return shortly... While he's away, enjoy this inspirational post by Will Lipovsky of Proof again that it all adds up! And that you're never too young, or old, to get started...] At…
    - 3 days ago, 18 Aug 14, 3:05am -
  • Do You Ask For The Order?
    [Jay is downing Coronas today before heading back from the beach... Please enjoy this article by Erin of in his absence. It's an important one to keep in mind - esp for you hustlers!] My mother had an adage she often used if my s…
    - 6 days ago, 15 Aug 14, 3:10am -
  • Cool Job: I Traveled the Country as “Fancy Nancy”
    [Jay is traveling the beach today as "Fancy Daddy." So check out this post by Stefanie O'Connell of  The Broke and Beautiful Life while he's getting a tan ;) Or, more than likely, trying to get Baby Penny & Nickel to quit putting sand in their mouth…
    - 7 days ago, 14 Aug 14, 3:08am -
  • Miss Me? Vote For Me!
    Hello dearest money lovers, what’s shakin’? Whatcha been up to while I’ve been away? Miss me yet? Earn your first million yet? Can I ask you like 3,800 more questions? :) As you probably know by now, I’m out on the beaches of beautiful South…
    - 8 days ago, 13 Aug 14, 3:26am -

Smart On Money

  • Why I’d Rather Pay $10,000 to Unload My House Than Become a Landlord
    There are people out there who are made to be landlords, but not me. Here's why I'd rather pay to unload my house than become a landlord.The post Why I’d Rather Pay $10,000 to Unload My House Than Become a Landlord appeared first on Smart On Money…
    - 16 days ago, 4 Aug 14, 2:26pm -
  • Watch Out for Interest-Only Home Loans
    Now that the economy has picked up some, lenders are re-introducing a few "creative" financing methods. Here's one to watch out for, the interest-only loan.The post Watch Out for Interest-Only Home Loans appeared first on Smart On Money and was writ…
    - 43 days ago, 9 Jul 14, 9:25am -
  • How To Stop Feeling Pessimistic About Retirement
    When many Americans think about retirement, they are pessimistic — and for good reason. According to a recent COUNTRY Financial Security Index survey, 25 percent of Americans say that they are not saving for retirement at all. If you aren’t savin…
    - 45 days ago, 7 Jul 14, 7:54am -
  • 3 Tips for Keeping Your Summer Budget Under Control
    It's hard to keep the summer budget under control, but your finances will thank you for following these three tips.The post 3 Tips for Keeping Your Summer Budget Under Control appeared first on Smart On Money and was written by Miranda Marquit.Copy…
    - 72 days ago, 10 Jun 14, 7:13am -
  • 5 Tips for Reducing Financial Stress
    If you are experiencing financial stress, here are 5 tips that can help you reduce the stress of the situation, and possibly even come out ahead.The post 5 Tips for Reducing Financial Stress appeared first on Smart On Money and was written by Mirand…
    - 84 days ago, 28 May 14, 10:07am -

Financial Samurai

  • newDocuments Needed To Refinance A Rental Property Mortgage
    If you haven’t refinanced your property in the past several years, it’s worth checking the latest rates today. The 10-year yield is back below 2.5% as Wall Street economists scurry to revise down their interest rate assumptions once again. I swe…
    - 17 hours ago, 20 Aug 14, 4:48am -
  • Steps To Get Out Of MASSIVE Credit Card Debt Due To Lifestyle Inflation
    I don’t discuss too much about credit cards on Financial Samurai because I’ve only got three (a travel rewards card, a generic rewards card, and a corporate card) and nothing much happens except for racking up rewards points. Definitely use a c…
    - 3 days ago, 18 Aug 14, 4:48am -
  • Should I Go To Court And Fight My Speeding Ticket?
    Speed racer is in the house! I got a speeding ticket for going 35 mph in a 25 mph zone the other day and I’m pretty ticked. The cop pulled me over after I sped up in the middle of a yellow light and asked me whether I knew why he pulled me over. I…
    - 5 days ago, 16 Aug 14, 4:48am -
  • What Is Capitalism? To Understand Let’s First Explore Communist China
    What is Capitalism but a way of life for many who want to get rich. Communism gets a bad rap for its ability to stifle innovation and effort. However, when you look at Communist China, growing at 7-9% GDP per year, do you really think its citizens ha…
    - 8 days ago, 13 Aug 14, 5:08am -

Fiscal Fizzle

  • Avoid These Mistakes With Inherited IRAs
    As with many retirement and savings options, there are clauses located in the small print which relate to many aspects of how the money is handled. This can include anything from how and when it’s appropriate to withdraw money, and what happens if…
    - 22 days ago, 30 Jul 14, 7:20am -
  • My Favorite Podcasts
    I don’t have a whole lot of “free” time on my hands lately, but I do one thing every single day that is required and consistent—I commute. Every single day, I’m afforded the gift of 20 minutes each way in my car with no distractions, except…
    - 62 days ago, 20 Jun 14, 7:08am -
  • Spending More to Save More
    I visited the vet’s office this week to pick up the flea & heart worm medication my dog takes on a monthly basis. As always, I was given the option of getting a 6 or 12-month supply. This particular  brand, which comes in the form of a pill, is bo…
    - 65 days ago, 17 Jun 14, 6:54am -
  • The Pros and Cons of Having Roommates
    This post is written by Jennifer Riner of Zillow. Renters looking to save money should consider leasing apartments with friends. College students are notorious for cohabitating with classmates to spend more time together before graduation. Increasing…
    - 9 May 14, 6:00am -
  • Getting Your Fashion Line off the Ground
    Creating a fashion line takes much more than a passion for fashion. It takes a lot of hard work and a sound business plan to make a fashion line a success. Here are some tips that have turned unknown names in the world of haute couture into fashion e…
    - 29 Apr 14, 3:04pm -

Green Panda Treehouse

  • How to Choose a Good Credit Card For Your Needs
    Are you looking for a new credit card? If you’re in the market for a new piece of plastic, you’re likely debating what you should be looking into. A few common questions usually arise: What are the best credit cards? What should I expect from a…
    - 83 days ago, 30 May 14, 4:00am -
  • Non-Qualified Annuity – A Strategy That Works
        Annuities are probably the most complex “beast” in the financial world. As if it isn’t enough, life insurance companies multiplied product varieties to make sure they are the only ones who can understand (and sell!) annuities.   One of t…
    - 5 Apr 14, 10:27am -
  • Why Become An Internet Marketing Specialist
    Internet marketing is a rapidly growing industry. Most companies can’t afford to neglect their online presence in a market where people look for information online before making so many decisions. Internet marketers help businesses develop their on…
    - 28 Mar 14, 12:31pm -
  • Writing Your Business Plan: What Not to Include
      Your business plan is an important document. It is what can secure the funding you need to start or grow your business. While there are some simple things you can do to create a brilliant business plan, there are also some things you can do that m…
    - 28 Feb 14, 9:51am -
  • A Simple Guide to First Home Buyers
        For most people in their 20s, buying their first house will become the most important transaction of their life. When you think about it, this will be the biggest loan ever taken and you will buy your biggest asset with it. What if you borrow t…
    - 7 Feb 14, 6:37am -

Len Penzo

  • new10 Key Characteristics of Debt-Free People
    The other day a friend and I were discussing why some people manage to live their lives in complete control of their finances, while others are continually struggling to get out of debt — no matter how much money they make. Financial freedom can be…
    - 21 hours ago, 20 Aug 14, 1:15am -
  • The 6 Most Common Ways to Finance a New Car
    There are multiple ways to finance your new vehicle, but be careful: Some are riskier than others and all of them require some discipline and financial planning. So consider these tips and strategies to memory before you think about buying your next…
    - 2 days ago, 19 Aug 14, 1:15am -
  • 7 Retaliatory Fees Travelers Should Be Charging the Airlines
    One of the greatest technological achievements of the modern era is, unquestionably, the turbine engine. The invention ushered in the jet age, which bestowed upon mankind the luxury of safe and rapid transcontinental and intercontinental travel at re…
    - 3 days ago, 18 Aug 14, 1:15am -
  • Black Coffee: Sometimes, He Who Sells First Sells Best
    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. And away we go … Credits and Debits Cr…
    - 4 days ago, 16 Aug 14, 11:39am -
  • 6 Reasons to Use a Tax Attorney Service
    Filing your taxes or dealing with unexpected tax outcomes can be a complicated process. Thankfully, there are systems in place that can assist you when you run into tax difficulties; one such system is a tax attorney service. Tax attorneys assist the…
    - 5 days ago, 15 Aug 14, 11:16am -

Lazy Man and Money

  • newDoes Anyone Understand Cell Phone Family Plans?
    If you asked me this question a few years ago, I feel like my answer would be a clear yes. It seemed relatively simple. Split a bucket of minutes and data amongst your family and pay a price and be done. Every couple of years, each person could get a…
    - 16 hours ago, 20 Aug 14, 6:15am -
  • Ask the Readers: Best Place to Invest Around $1000?
    A few weeks ago, I wrote an article about whether I should invest my babies' money. I think the general consensus was that I should, especially because I'll personally make up for any losses. (Don't you wish all investing companies were as cool as me…
    - 2 days ago, 19 Aug 14, 6:15am -
  • Lending Club Update (August 2014)
    As regular readers know, I've been posting my Lending Club updates for years now. At the start of 2011, I was making a 4.78% return on my ultra conservative loans. I started to mix in more risk and it moved up to 5.90% by March and 6.42% by May. Thre…
    - 3 days ago, 18 Aug 14, 6:15am -
  • Goodbye Robin
    Sometimes is it worthwhile to take a break from person finance. There are so many wonderful things in this universe and it's quite possible that money is the most boring of all them. As everyone knows by now,The post Goodbye Robin appeared first on…
    - 5 days ago, 15 Aug 14, 10:30am -
  • Thoughts on Raising a Tennis Star
    I just realized that title is really confusing. My oldest child isn't even two. (Not to mention that his parents admit to not being athletically gifted.) I'm referring to another article in the August 2014 issue of Money Magazine. It's a slightly dif…
    - 7 days ago, 14 Aug 14, 6:15am -

Mighty Bargain Hunter

  • Rebate site comparison engine update
    Rebate sites are a great way to save money easily when shopping online. Just click through these sites instead of going directly to the store, and they’ll keep track of your visit and rebate you a portion of your purchase. There are quite a few of…
    - 2 days ago, 18 Aug 14, 10:00pm -
  • Large families and activity discounts
    I was chatting briefly with a colleague yesterday about married life.  (He was going to be best man in a friend’s wedding in a couple of weeks.)  In the course of the conversation, I admitted that saving money was a heck of a lot easier before I…
    - 15 days ago, 5 Aug 14, 9:58pm -
  • Rebate site review: Mr. Rebates
    I use rebate sites for as many of my online purchases as I can.  After getting a free account, it’s only a small amount of extra work to save a few dollars — or even more than a few! — on thousands of online stores. Mr. Rebates is one of a num…
    - 21 days ago, 30 Jul 14, 9:40pm -
  • Want a used washer? Budget some time
    A washer and dryer are mainstays in many households.  They are in our household, for sure. We bought a used washer and dryer set four and a half years ago.  Over the past couple of weeks, the washer was whining loudly.  First we heard it within th…
    - 22 days ago, 29 Jul 14, 9:32pm -
  • In praise of bottled water
    A big part of personal finance advice revolves around finding ways to spend less.  Less money going out the door means more money staying in your bank account. By and by, some purchases draw an above-average amount of fire.  Bottled water is one of…
    - 28 days ago, 23 Jul 14, 9:52pm -

Personal Dividends

  • Are You Letting These 5 Emotions Rule Your Finances?
    One of the biggest problems that many of us have when it comes to money is that we often let our emotions get the best of us. Strong emotions cloud our judgement and lead to poor decisions that, too often, we regret later. “Money is an emotional cu…
    - 2 days ago, 19 Aug 14, 6:00am -
  • Life Without Banks, Is It Possible?
    I don’t really use banks in the same way my parents did. It is conceivable that I could get along just fine without one. Many people do. What would it be like to completely ditch the bank? How would it change the way we transact business. Would it…
    - 9 days ago, 12 Aug 14, 6:00am -
  • Retirement or University Savings – Which Should Come First?
    Most people don’t have the luxury of being able to address all financial concerns at the same time, at least not in any substantial way or even in equal measure. Most of us have to make choices and set priorities. This is often the case when you’…
    - 16 days ago, 5 Aug 14, 6:00am -
  • Don’t Forget to Count Your Human Capital
    When we start toting up our assets, it’s easy to forget about your greatest asset, which is your human capital. You might be surprised to consider that you are a great asset, but the truth is that the way you manage your career and your money can m…
    - 23 days ago, 29 Jul 14, 6:00am -
  • Are You Cut Out To Be a Landlord?
    Do you ever think about investing in real estate? Since buying rental properties is probably the most popular form of real estate investment, you might seriously consider if you’re cut out to be a landlord before taking the plunge. There’s a lot…
    - 30 days ago, 22 Jul 14, 6:00am -

Money Crashers

  • newWhat Is Global Warming and Climate Change – Facts & Effects
    Climate change – specifically global warming – is one of the more controversial issues mankind is facing. Consensus about climate change’s definition, effects, and causes, especially the role that humans play in the acceleration of climate chan…
    - 8 hours ago, 20 Aug 14, 2:00pm -
  • What Is Community-Supported Agriculture (CSA) – Comparison to Store-Bought Produce
    My longtime girlfriend and I recently took a brief break from our busy lives to tie the knot. The whole experience was unforgettable, but one of the highlights was the amazing outpouring of generosity from our friends and family members, many of who…
    - 2 days ago, 19 Aug 14, 6:45am -
  • 6 Tips to Stop Being Ashamed of Your Debt and Take Control
    What would you be more embarrassed to shout from the rooftops: your weight or your credit score? For the general public, the answers are pretty surprising. The National Foundation for Credit Counseling conducted a poll asking participants to finis…
    - 3 days ago, 18 Aug 14, 7:00am -
  • 7 Hotel Booking Websites With Private Sales & Exclusive Deals
    Though changing technology and the digital revolution have put many travel agencies out of business, it has been a boon for the lodging industry. Thanks to travel booking sites such as, Hotwire, and Kayak, you can seamlessly book hotel ro…
    - 5 days ago, 15 Aug 14, 10:45am -
  • 8 Habits to Avoid When Teaching Kids Financial Responsibility
    If you have children, you might feel responsible for teaching them everything they need to know. I have two young children, and am constantly helping them work on their math skills, pushing them to read more, and reminding them to practice whicheve…
    - 7 days ago, 13 Aug 14, 12:45pm -

The Military Wallet

  • Army Tuition Assistance Benefits – Updates for FY 2015
    This article was originally published on The Military Wallet at Army Tuition Assistance Benefits – Updates for FY 2015 and is protected by US copyright laws.The Army recently updated their Tuition Assistance (TA) program with a focus on ensuring t…
    - 1 day ago, 19 Aug 14, 11:41am -
  • I Joined the Air National Guard – My Long Journey to Serving Again
    This article was originally published on The Military Wallet at I Joined the Air National Guard – My Long Journey to Serving Again and is protected by US copyright laws.I separated from active duty eight and a half years ago. Last week I joined th…
    - 6 days ago, 14 Aug 14, 11:32am -
  • Can You Join the Guard or Reserves if You Have a VA Service-Connected Disability Rating?
    This article was originally published on The Military Wallet at Can You Join the Guard or Reserves if You Have a VA Service-Connected Disability Rating? and is protected by US copyright laws.One of the biggest misconceptions about having a VA servic…
    - 7 days ago, 13 Aug 14, 2:19pm -
  • Military Involuntary Separation Pay Rules & Eligibility
    This article was originally published on The Military Wallet at Military Involuntary Separation Pay Rules & Eligibility and is protected by US copyright laws.With the current military drawdown, involuntary separations will be a way of life for milit…
    - 15 days ago, 5 Aug 14, 3:03pm -
  • Best Military Banks and Credit Unions
    This article was originally published on The Military Wallet at Best Military Banks and Credit Unions and is protected by US copyright laws.Military members and their families have a unique banking needs. For example, it’s not uncommon for militar…
    - 26 days ago, 26 Jul 14, 12:15am -

Deliver Away Debt

  • Wonga Hit with a $4.4 Million Compensation Bill
    Let the Loophole Wars Begin . . . Wonga has been in the news lately and for all the wrong reasons. Following an investigation by the Financial Conduct Authority the payday loan giant was hit with a $4.4 million compensation bill to be paid to no less…
    - 41 days ago, 11 Jul 14, 9:45am -
  • Managing your money: All you need to know about payday loans
    Taking an in depth look into the media hype around payday loans Pay day loans have been receiving some particularly bad press in recent weeks, with the latest damning article published by The Telegraph suggesting that many short term loan borrowers a…
    - 50 days ago, 2 Jul 14, 5:34am -
  • Family VS Individual Health Care Plans | What Are the Differences?
    Of course the main difference between family and individual health care plans is that the family type covers more people than just one, the individual. Hello, Captain Obvious! Now, since family care plans cover more people, they also cost more. Howev…
    - 91 days ago, 22 May 14, 7:26am -
  • 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…
    - 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 -

Dual Income No Kids Finance

  • newOur joint account is empty
    Good morning Dinks.  Do you remember not so long ago when I was super excited because my boyfriend finally agreed to open a joint account…finally after all these years together.  Well I’m sad to say that after three months our account is still…
    - 19 hours ago, 20 Aug 14, 3:00am -
  • Margin Matters: A Lesson on Effective Forex Leveraging
    You’ve got a few hundred pounds to start trading in forex, but this isn’t enough – or so you’ve been told. You keep hearing about people trading with £10,000 or more. How do they do it? Answer: leverage. Leverage is very common in forex and,…
    - 2 days ago, 19 Aug 14, 6:43am -
  • Why I don’t tell people I’m a financial planner
    Good morning Dinks.  As you may remember I am a financial planner.  When I first received my designation I was so proud of my accomplishment.  I would tell anyone and everyone who would listen, I wanted to shout it from the roof tops.  But that w…
    - 3 days ago, 18 Aug 14, 3:00am -
  • Weekly roundup: TMNT, Goals and Faith
    Happy Friday Dinks.  As you read this I am at work counting down the hours until I can leave at noon.  My office has this perk during the summer months called Happy Fridays that allows us to leave every second Friday at 12 pm.  So as of noon today…
    - 6 days ago, 15 Aug 14, 3:00am -
  • Do your co-workers like you? 
    Good morning Dinks.  Yesterday I witnessed a heated argument between two co-workers in my office.  As I sat at my desk (a cubical with high walls) I could hear these two women having a disagreement about how to pitch a presentation they are suppose…
    - 7 days ago, 14 Aug 14, 3:00am -

Generation X Finance

  • Starting a Business
    This is the part of our 2003 update. This update I am doing a little bit different than our 2002 update.  I am breaking it up into several consecutive posts and the last post will have the net worth update for 2003 followed by a glance at our 2003 b…
    - 29 days ago, 23 Jul 14, 9:45am -
  • How I Became a Used Car Dealer, for a little while
    This is the beginning of our 2003 update.  This update I am doing a little bit different, I am breaking it up into several consecutive posts and on the last one I will post the net worth update for 2003 followed by a glance at our 2003 budget. By do…
    - 37 days ago, 14 Jul 14, 10:30am -
  • How Much Should You Spend on an Engagement Ring?
    How much will you spend on your wedding ring? Jewelers recommend you spend 2-3 months of your salary on a wedding ring. Back in the day, when I was a single college student in love, I remember asking myself this question. I was all set to propose to…
    - 80 days ago, 2 Jun 14, 6:35am -
  • 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…
    - 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 -


  • How One of Our Buddies is Dominating Their Finances… in High School!
    If you don’t see any REAL and TANGIBLE results from Studenomics, I’m a loser and a failure. I’m talking about specific results for the task at hand. This means: Getting out of debt when in debt. Saving $25k by 25. Making your first dollar throu…
    - 2 days ago, 19 Aug 14, 7:00am -
  • Attention Broke Students: How You Can Actually Graduate Debt Free
    According to Yahoo News, the average amount of student debt that a student holds upon graduation is $25,250. The total amount of student debt carried by Americans is estimated to be $870 billion. That sucks. How much student debt do you have under yo…
    - 7 days ago, 14 Aug 14, 9:00am -
  • The Article About Money I Wish I Read Before College (Open Letter to All Students)
    How did I get here without ruining my life by doing something stupid or going broke? I ask myself this all of the time. While, I’m not sure what the answer is, I do know what I wish I knew earlier on. I know there’s advice that I wish someone sat…
    - 9 days ago, 12 Aug 14, 4:00am -
  • 5 Personal Finance/Entrepreneurship Books That Changed My Life
    Are you ready to change the course of your life forever? Something as simple as reading a $10 book can change your entire outlook on things and help you in ways you never imagined. Readers and friends often ask me to recommend books because I’ve re…
    - 14 days ago, 7 Aug 14, 9:30am -
  • Why Parent’s Shouldn’t Pay For Their Kids’ College Education
    Should parents pay for college? Should the kid be responsible for college costs 100%? This article is going share thoughts from parents and readers (tons of reader comments) on paying for college. You’ll be left with a ton of new information once y…
    - 16 days ago, 5 Aug 14, 4:00am -

Money Crush

  • The FBA Experiment (Part 3)
    I got signed up late last month as a Fulfillment by Amazon (FBA) seller. I wanted to experiment with retail arbitrage as another way to make extra money, and FBA sounded interesting precisely because Amazon would be in charge of fulfilling the orders…
    - 3 days ago, 18 Aug 14, 6:00am -
  • Can You Name Your Most Important Asset? (It Might Not Be What You Think)
    What is your most important asset? Is it your house, your investments, your education, or something else? That’s a trick question of course, because your most important asset isn’t something you can buy or sell. It’s your health. Yet our health…
    - 10 days ago, 11 Aug 14, 7:00am -
  • 6 Ways to Improve Your Focus (And Beat Procrastination)
    If you’re like me, you may find it difficult to get things done due to a combination of procrastination and distractions. Here are six ways to improve your focus so that you can accomplish the things you want to get done. 1. Prepare Pick a time eac…
    - 17 days ago, 4 Aug 14, 7:00am -
  • Keeping Things in Perspective
    Do you have something that you’re struggling with or that you keep beating yourself up over? Especially if it’s something that you don’t have a lot of experience with, or if you have never been taught much about, you may not realize that strugg…
    - 24 days ago, 28 Jul 14, 7:00am -
  • The FBA Experiment (Part 2)
    A couple of weeks ago I decided to try selling on Amazon (using the Fulfillment-By-Amazon service, to be exact). My first step was to do a little bit of research. I spent some time learning the basics of how it might work, and what I might purchase t…
    - 31 days ago, 21 Jul 14, 7:00am -

Wealth Informatics

  • Five Reasons to Visit State Parks instead of National Parks
    Five Reasons to Visit State Parks instead of National Parks is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. I love our American national parks and am so very grateful to those of our a…
    - 52 days ago, 29 Jun 14, 11:14am -
  • 14 Things Parents Should Make Sure Their High School Seniors Know
    14 Things Parents Should Make Sure Their High School Seniors Know is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. Graduation time – when we parents send our precious ones out into th…
    - 72 days ago, 9 Jun 14, 1:22pm -
  • How Others Influence Your Wealth
    How Others Influence Your Wealth is a post from: Wealth Informatics if you enjoy it, please visit us and subscribe to the Wealth Informatics feed. Humans are hard-wired to be social animals. We evolved as part of a group. The group kept us safe, kept…
    - 28 Apr 14, 4:00am -
  • 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…
    - 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…
    - 11 Apr 14, 4:00am -

Engineer Your Finances

  • Things You Should Know About Free Checking Accounts
    Many banks are advertising free checking accounts at their facilities to increase interest in their accounts among the general public. Because many adults need checking accounts for depositing paychecks and paying bills, these free accounts have beco…
    - 2 days ago, 18 Aug 14, 10:45am -
  • The Financial Consequences Of Closing A Credit Card
    If you no longer intend to use a credit card, your first instinct may be to close the credit card account completely. After all, closing the account would ensure that no one else would be able to use the account fraudulently and statements for the ac…
    - 6 days ago, 14 Aug 14, 12:59pm -
  • Things To Think About Before Getting A Secured Credit Card
    Credit cards have become very important to everyday life over the past few decades. Today, you need to have a credit card for many tasks, including reserving a car or hotel room and making a purchase online. Many people do not qualify for an unsecure…
    - 10 days ago, 11 Aug 14, 9:46am -
  • Minimize The Cost Of Life Insurance By Following These Tips
    Life insurance can be very expensive if you are not careful when you are choosing your policy. There is always a risk that you will buy more coverage than you actually need or will pay more for coverage than you should be. Over the years, this wasted…
    - 13 days ago, 7 Aug 14, 4:17pm -
  • Forgotten Money: Do You Have A Claim?
    Do you have a claim for forgotten money? Across the United States, there is more than $62 billion in forgotten funds waiting to be claimed. In New York State alone, there is more than $13.3 billion in unclaimed funds waiting for its rightful owners a…
    - 16 days ago, 4 Aug 14, 10:15am -

Early Retirement Extreme

  • newHow to true a bicycle wheel
    So it came to be that the handle of a sledge hammer had fallen onto the spokes of my rear wheel and left it all wobbly and out of true. Now, ordinarily, you can go to the bike shop and have them fix it for $15, you you can buy a truing stand for abou…
    - 4 hours ago, 21 Aug 14, 2:11am -
  • newLiving like a student
    Every so often, I get the objection that ERE means that one has to live like a student. I don’t understand what was so bad about living like a student and why this objection is so common. Am I really in the minority because I liked living like a st…
    - 8 hours ago, 20 Aug 14, 2:05pm -
  • newThe debt slave revolution will not be televised
    After a forum recommendation, I read the following post on wage slaves and the Seeds of a revolution. The thesis is well known to readers of this site. In the Ancient world, most work was considered undesirable and best fit for slaves. The ancient so…
    - 20 hours ago, 20 Aug 14, 2:05am -
  • Dealing with heat waves on a budget
    In the summer of 2003 I lived in Switzerland during one of the hottest months on record. In Europe a total of 35,000 people, mostly elderly, died due to the heat. The heat wave lasted about 3 weeks reaching temperatures over 100F (40C) affecting peop…
    - 1 day ago, 19 Aug 14, 2:03pm -
  • Bicycle riders on the freeway
    Maybe when oil reaches $200 in a few years as predicted by the same Goldman-Sachs analyst that predicted $105 dollar oil by 2009, part of the freeway system, which is now overpopulated by cars and SUVs(*), will be converted into bicycle paths. One ca…
    - 2 days ago, 19 Aug 14, 2:02am -

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

  • The Couple Money Guide to Starting Your Emergency Fund
    There are plenty of Americans who don’t have any savings (one estimate puts it around 26%). That’s a scary situation to be in, even with dual income couples and families. What if you get laid off from your job (or if they reduce your pay/hours)…
    - 2 days ago, 18 Aug 14, 1:32pm -
  • Paying Off Almost $100k in Debt as a Family
    As a member of the personal finance community, I’m amazed at how many people are a part of it. Unfortunately that often means that I can’t always keep up with everyone. It’s a shame because there are some wonderful bloggers with their stories…
    - 4 days ago, 16 Aug 14, 11:40am -
  • Simple Loan Tips When You’re Having a Budget Gap
    There are plenty of companies offering loans and credit but it’s important for anyone looking to cover a shortfall to make sure they chose a lender carefully. According to a new infographic from MYJAR, a million Brits are turning to payday loans to…
    - 9 days ago, 12 Aug 14, 5:27am -
  • Save $100 This Week (and Beyond)
    Like I promised last week,  I’m tackling your most pressing money goals here on Couple Money. Since saving for emergencies is a priority for many readers, I want go ahead and give you some practical ways you can get $100 this week. Even if you don…
    - 16 days ago, 4 Aug 14, 12:26pm -
  • What is Your Biggest Money Goal for 2014?
    Thank you to everyone who took the time to share their thoughts and ideas. I know most of you are busy juggling family and work, so I’m grateful that you gave me your input. (Speaking of - if you took the survey, go ahead and check your inbox. I…
    - 22 days ago, 30 Jul 14, 8:58am -

My Journey to Millions

  • newA Huge Problem with the Financial Planning Industry
    While I readily defend the financial planning industry of which I am a part there is a glaring hole that is probably only getting larger.  I saw a great post from financial blogger, Daniel, over at Sweating The Big Stuff  where he was helping out a…
    - 23 hours ago, 19 Aug 14, 10:35pm -
  • Setting up a Business in Another Country: 5 Things You Need to Know
    Entrepreneurs are notoriously nomadic, and you may well be just the same. If you’ve got visions of being your own business in another country, then you’re probably well aware of the challenges that you’re going to face, but it’s good to get a…
    - 2 days ago, 18 Aug 14, 10:23am -
  • How to Make Money When You’re Starting from Zero
    Whether you’re straight out of school or you’ve been working for decades but don’t have much in the way of savings or disposable income, you’re probably interested in knowing how you can make extra money. If you’ve not been on holiday for y…
    - 4 days ago, 16 Aug 14, 7:29pm -
  • Working from Home 101: Establishing Your Home Business  
    Working from home can be both a blessing and a curse. If you’re successful at getting your home business established, you’ll be able to lead a lifestyle of your choosing, wake up when you want to, and run the business you’d always dreamed of ru…
    - 6 days ago, 14 Aug 14, 7:20pm -
  • A 20-Something’s Guide to Pensions: How Are You Preparing?
    When you’re young, it’s likely that you very rarely give any real thought to issue of your pension, but the truth is, the earlier you can start thinking about it the better. Unfortunately, the issue of providing for yourself when you’re older i…
    - 8 days ago, 12 Aug 14, 7:20pm -

Enemy of Debt

  • If You’re Going To Succeed, You Have To Have a Plan!
    One of the major components of marathon training is the long run. Once a week, I run much longer than any other day, gradually increasing the length of my run until I reach a distance of 20 miles.   I usually increase my long run by a mile a week.…
    - 3 days ago, 18 Aug 14, 4:11am -
  • Sometimes it is better to be sorry!
    Do you dream about the day when all your debt will be paid off and you’ll feel safe again? I did that! Four years ago, faced with a consumer debt of $160,000 I mourned my safety and feared the risks to my family this meant. Then I forgot to be safe…
    - 4 days ago, 16 Aug 14, 10:20am -
  • I Love You Like A Blogger Roundup – 8/15
    We’ve picked up all the supplies our kids need for school.  That was the easy part.  All we had to do was go to the school district website  and print off the recommended list of items.  This weekend comes the more difficult part of getting rea…
    - 6 days ago, 15 Aug 14, 4:38am -
  • Don’t Cheat Yourself By Living a Life of Half-Assity
    I was painfully making my way through a 14 mile run early on a Saturday morning. I was at mile 10, and struggling to find the energy or even the desire to pick up my feet and keep running. “If only I weighed less, this wouldn’t be so hard,” I t…
    - 10 days ago, 11 Aug 14, 4:32am -
  • I Love You Like a Blogger Roundup – 8/8
    On Tuesday night Vonnie and I went out  with our neighbors and played organized Bingo.  Yelling out “BINGO!” was quite a thrill, and as you can tell from the picture I was pretty stoked to win $50.  One may even say I was in the mood to fist p…
    - 13 days ago, 8 Aug 14, 4:09am -

Peak Personal Finance

  • Luana Savings Online Banking August 2014
    Luana Savings Online Banking August 2014Post from: Peak Personal FinanceLuana Savings Online Banking August 2014Post from: Peak Personal Finance In this Luana Savings online Banking August, 2014 update is information about just what this Iowa based…
    - 13 days ago, 8 Aug 14, 5:00am -
  • Key Online Banking July 2014
    Key Online Banking July 2014Post from: Peak Personal FinanceKey Online Banking July 2014Post from: Peak Personal Finance This Key online Banking July, 2014 update is on the 22nd largest financial institution in America based on deposit amount will e…
    - 34 days ago, 18 Jul 14, 5:00am -
  • Investors Savings Online Banking June 2014
    Investors Savings Online Banking June 2014Post from: Peak Personal FinanceInvestors Savings Online Banking June 2014Post from: Peak Personal Finance In this Investors Savings online Banking June, 2014 update many things the American consumer should…
    - 55 days ago, 27 Jun 14, 5:00am -
  • Intervest National Online Banking June 2014
    Intervest National Online Banking June 2014Post from: Peak Personal FinanceIntervest National Online Banking June 2014Post from: Peak Personal Finance This Intervest National online Banking June, 2014 update is to help new and existing customers to…
    - 76 days ago, 6 Jun 14, 5:00am -
  • iGobanking Online Banking May 2014
    iGobanking Online Banking May 2014Post from: Peak Personal FinanceiGobanking Online Banking May 2014Post from: Peak Personal Finance In this iGobanking Online Banking May 2014 update are just what a person can except from this NYC based financial in…
    - 96 days ago, 17 May 14, 5:00am -

Simple Financial Lifestyle

  • I want to simplify my finances but where do I begin?
    As I have state before simplifying your finances is a process.  It is not something that you can do overnight.  One question I hear often is where do I beginning?  It is a valid question.  So I have come up with 5 simple questions you can answer…
    - 2 days ago, 19 Aug 14, 5:00am -
  • Who else want to get their financial goals back on track before year end?
    We are in the heat of the summer and year end is less than five months away.  How do you feel about your personal finances as we come closer to year end?  Do you feel like you are on track to reach your year-end financial goals you set for yourself…
    - 72 days ago, 10 Jun 14, 5:00am -
  • 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…
    - 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…
    - 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 ta…
    - 8 Apr 14, 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

  • newAn Introduction to General Liability Insurance
    In business, it’s a good idea to have a good general policy in place to protect your livelihood from undue risks during the conduct of your business. Even if you are careful with all your tasks, responsibilities and obligations whether from the per…
    - 6 hours ago, 20 Aug 14, 3:28pm -
  • Payday Loans Help People
    Payday loan companies are banks for poor people. They cash your checks, make money orders; you can even pay your bills there. Some of these places will help you with your taxes and even set you up with a prepaid visa card. The downside is that all of…
    - 2 days ago, 18 Aug 14, 3:25pm -
  • First home buyers: How much can I borrow?
    “How much can I borrow?” It’s the first question you’ll hear from first home buyers. Before they think about anything else – like the location of their first home or the type of floor plan they want – they need to know the maximum amount…
    - 4 days ago, 16 Aug 14, 3:00pm -
  • 5 Tips for Medicare Supplemental Insurance
    Medicare supplemental insurance is something that is often asked about by those who qualify for Medicare. Medicare, for those who do not know, is a national social insurance program that is handled by the U.S. federal government. It has been in place…
    - 6 days ago, 14 Aug 14, 2:26pm -

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…
    - 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…
    - 25 Mar 14, 4:38pm -
  • Financial Crimes: Keeping Your Money Safe in a Troubled Economy
    With the job market still recovering from the 2008 recession and many financial institutions in trouble, keeping your money safe has never been more important. Criminals in the financial sector have found cunning new ways to take advantage of new tec…
    - 24 Mar 14, 5:40pm -
  • Has the Internet made us Richer?
    It has been over twenty years since the internet was made available to the general public. Since then internet access has been made available in restaurants and coffee shops, a myriad of devices ranging from cellular telephones to children’s video…
    - 24 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…
    - 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

  • -$114,000 Net Worth: Creating a Plan to Get Out of Debt
    A friend of mine, “Doug,” came to me last week asking for some financial advice. He lives in New York City, has a stable job at a fortune 500 company paying $60,000/year, and we have very similar educational backgrounds. Except that he has $117…
    - 2 days ago, 18 Aug 14, 10:30am -
  • Save Money Automatically With Browser Add-Ons
    I am not a coupon clipper, but I do like to save money before making a purchase. I recently bought tickets for a flight to and from Boston for a wedding. I checked prices regularly until prices dropped to what I was looking for, and bought. I didn’…
    - 10 days ago, 11 Aug 14, 7:00am -
  • I Test-Drove A Smart Watch. Here’s How To Make The Perfect One.
    I’ve been an iPhone user for over 4 years, and while it’s been great, there have been a few things that I didn’t love. I’ve jailbroken each one of my phones to unlock special features and apps that Apple doesn’t allow. One example is that a…
    - 24 days ago, 28 Jul 14, 7:00am -
  • We Switched Spousal Duties. Here’s What Happened
    At the beginning of this month, Lauren took over control of the budget. We didn’t change any of our expected expenses or change the allocation of funds to our various budget categories, but she was going to be in charge of staying on top of our fi…
    - 28 days ago, 24 Jul 14, 7:00am -
  • 2014 Third 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. Now that we are halfway through the year, it’s time to reflect on our progress and project out the rest of the year. As always, I am le…
    - 31 days ago, 21 Jul 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

  • Getting the Itch to Upgrade
    Lately I’ve had the feeling that I would like to move to a bigger house with more acreage.  Our house is just the perfect size for us right now, but we wish we had a garage and more property.  Not to mention, if we end up expanding our family it…
    - 45 days ago, 7 Jul 14, 8:26am -
  • 529 Plans versus Savings Accounts
    Shortly after Penny was born, we opened her up a savings account. Any money she receives from birthdays, holidays, grandparents, etc, we stash in her savings account. She’s got a nice little nest egg that hopefully we’ll be able to help her grow…
    - 59 days ago, 23 Jun 14, 3:33am -
  • Is Dental Insurance Worth the Cost?
    A few years ago I considered going without dental insurance. At the time, I was working at the bank and the premium was deducted from my paycheck so it wasn’t a big deal and I continued to buy the dental insurance. I took advantage of the two free…
    - 80 days ago, 2 Jun 14, 5:48am -
  • 401k Rollovers and IRAs- Finally!
    The last time I talked about my ROTH IRA, I mentioned how my laziness cost me $115.  Well, I no longer will be losing money due to silly fees at the old brokerage firm.  I finally moved my IRA over to Vanguard and couldn’t be happier! It’s a hu…
    - 97 days ago, 15 May 14, 2:13pm -
  • 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…
    - 4 Feb 14, 8:30am -

Frugal Zeitgeist

  • Inside Robin Williams’ Addiction Battle
    I’m not going to pretend here that I know anything about the late Robin Williams personal battles or what drove him to his apparent suicide. I do know the world has lost yet another bright star and the universe is noticably dimmer for the loss. Rob…
    - 7 days ago, 14 Aug 14, 3:26am -
  • 10 movie mistakes that slipped through editing
    If the movie delivers an engaging story and we are sucked in I find mistakes are hard to spot. But over time they come out of the woodwork and some are shockingly obvious! Here are just a few; The Wizard of Oz – In one scene Dorothy’s red ruby s…
    - 8 days ago, 13 Aug 14, 7:21am -
  • College loan forgiveness programs
    Did you know there are absolutely loads of College loan forgiveness programs that may be an option to help reduce or even wipe out your college loans? For government backed loans such as Stafford loans there are options out there to engage in volunt…
    - 51 days ago, 1 Jul 14, 5:25am -
  • The Nuts And Bolts of an IPad POS System
    Setting up a business is expensive but the internet has given small business owners a slight edge in today’s competitive market. All they have to do is set up a website and display their items for sale. Customers come along one way or the other, an…
    - 58 days ago, 23 Jun 14, 11:49am -
  • Best defensive stocks for retirement
    Best defensive stocks for retirement – When putting together an investing portfolio for retirement you want some stability, stocks that will ride the markets and still produce. Of course we would all want that all the time but these kinds of stocks…
    - 61 days ago, 21 Jun 14, 3:01am -

Out of Debt Again

  • Why Can’t We Just Print More Money?
    Did you ever wonder why countries or people for that matter, can’t just print more money? With today’s printers becoming so sophisticated, it’s a wonder more people don’t...[[ This is a content summary only. Visit my website for full links,…
    - 52 days ago, 30 Jun 14, 6:00am -

Money Reasons

  • newReal Estate Search – Marble Restoration Edition
    Lately, I’ve been pretty busy! So what am I doing that is dominating my time?  2 words… Real Estate! I’m both looking for a slightly bigger house and/or a decent piece of rental property to purchase. So why is this called the “Marble Restora…
    - 11 hours ago, 20 Aug 14, 10:57am -
  • IRS Audit and Audit Representation – How to Handle an Audit
    With changes to federal regulations in tax law every few years, it can become difficult to keep track of the details of your taxes. Perhaps you made a mistake when you filled out your W2 form, or maybe the details of your life have changed and you fo…
    - 21 days ago, 30 Jul 14, 11:52pm -
  • I’ve Been on a Personal Finance Hiatus
    For the past few months, really the past few years, I’ve been quietly probing my brain trying to discover if my wealth planning and financial journey has been the most optimal route.  And while I believe that I’ve done very well, at this point I…
    - 27 days ago, 24 Jul 14, 10:40am -
  • Are High Semi-Known Colleges Worth the Costs?
    In an unusual paradox, it seems like there are huge college education cost bubbles in the United States that makes me question whether semi-known colleges are worth the costs? I think college costs are a paradox in the fact that most of the informati…
    - 42 days ago, 9 Jul 14, 10:35am -
  • American Airlines Miles Credit Card seems like a Great Air Miles Reward Credit Card
    I’ve been considering getting a Air Miles Reward credit card recently, and below is what I came across that is making my consider American Airlines Miles Credit Card. Saving Even More Money on American Airlines Florida Beach Deals American Airlines…
    - 47 days ago, 4 Jul 14, 10:14am -

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

  • newMoney Lessons from “The Walking Dead”
    Money Lessons from “The Walking Dead” is a post from: Budgeting In the Fun StuffMoney Lessons from “The Walking Dead” is a post from: Budgeting In the Fun Stuff Okay, so we started watching The Walking Dead on Netflix this week. Yeah, yeah,…
    - 18 hours ago, 20 Aug 14, 4:00am -
  • We Cut Cable…Now What?
    We Cut Cable…Now What? is a post from: Budgeting In the Fun StuffWe Cut Cable…Now What? is a post from: Budgeting In the Fun Stuff We finally pulled the plug on cable and our DVR’s. I don’t think we are experiencing the euphoria that everyon…
    - 2 days ago, 19 Aug 14, 2:00am -
  • Yep, My Hair is Purple – Specifically, Manic Panic Ultra Violet
    Yep, My Hair is Purple – Specifically, Manic Panic Ultra Violet is a post from: Budgeting In the Fun StuffYep, My Hair is Purple – Specifically, Manic Panic Ultra Violet is a post from: Budgeting In the Fun Stuff I finally did it. Well, technica…
    - 3 days ago, 18 Aug 14, 4:00am -
  • August 2014 Cruise Cost Breakdown
    August 2014 Cruise Cost Breakdown is a post from: Budgeting In the Fun StuffAugust 2014 Cruise Cost Breakdown is a post from: Budgeting In the Fun Stuff I never turned on my phone last week on the cruise, so I don’t have any pictures for you yet.…
    - 6 days ago, 15 Aug 14, 4:00am -
  • Favor Regret and Hope for a Better Week
    Favor Regret and Hope for a Better Week is a post from: Budgeting In the Fun StuffFavor Regret and Hope for a Better Week is a post from: Budgeting In the Fun Stuff In my world, I’ve been dog walking a set of awesome pups in the 95 degree weather.…
    - 7 days ago, 14 Aug 14, 4:00am -

Punch Debt In The Face

  • How much credit card debt do you have?
    Every now and again I like to pick your guys/gals brains. It’s not only helpful for me to see if I am at relatable to the people who read PDITF, but hopefully it’s also helpful for you to see where you stand against the masses. Since the value in…
    - 7 days ago, 13 Aug 14, 11:30pm -
  • Personal Finance tips and tricks.
    I woke up to a text from one my good friends yesterday morning that read “Can I pull 100% of my Roth contributions at any time without penalty?”  Why yes, yes you can. Roth contributions can be pulled at any time, for any reason, without any rep…
    - 15 days ago, 6 Aug 14, 9:10am -
  • Minimal risk, big reward.
    I was chatting with a close friend a few days ago about the housing market. Big surprise right? We know what the median household income is in Seattle ($66,000), and we also know the median sales price of a home in Seattle right now is $380,000. Wha…
    - 22 days ago, 30 Jul 14, 3:51am -
  • Retirement
    Hope you enjoy a guest post today from none other than my better half, Girl Ninja.  As of June 13th, 2014, I am officially retired…and it feels so good.  I spent all nine months of my pregnancy looking forward to the days I get to spend at home…
    - 31 days ago, 21 Jul 14, 12:18am -
  • Do your work benefits rock?
    With the arrival of Baby Ninja in the rear view mirror, Girl Ninja and I are starting to receive a hefty amount of mail from my insurance company. All the hospital visits, the labor and delivery, the lactation consultations, the pediatric appointment…
    - 37 days ago, 15 Jul 14, 12:33am -

Well Heeled Blog

  • Cheap sit-down meals in Japan – how to get full and satisfied for under $10
    filling and delicious meals for under $10 in JapanCopyright 2010 Cheap sit-down meals in Japan – how to get full and satisfied for under $10 is a post from Well Heeled Blog - Save Money, Have Adventures, and Travel the World. This feed is for non-c…
    - 35 days ago, 17 Jul 14, 12:35am -
  • Getting the Best Deal on a Rental Car
    Whether you’re travelling for business or pleasure, it pays to do a little bit of research in advance to get the best deals. Although there are often last minute deals or discount coupons available for hotel rooms, it can be a bit trickier to avoid…
    - 35 days ago, 17 Jul 14, 12:21am -
  • Trying the Abstainer Route
    In welcoming the second half of 2014, I’m going to shed my Moderator skin and try behaving like an Abstainer for the rest of the year in a bid to max out my 401K and pay for CB’s private school tuition at the same time. That means that from J…
    - 51 days ago, 1 Jul 14, 6:00am -
  • Multi-generational living: the new way of the future?
    Multi-generational living on the rise despite historical stigma The US has a thing about living alone: moving out of your parents’ home and living without roommates has been long deemed a sign that you have achieved adulthood. I come from a cultur…
    - 58 days ago, 24 Jun 14, 6:00am -
  • Retirement calculators: love ‘em or leave ‘em?
    I have very mixed feelings about retirement calculators. Perhaps that’s why although I’ve been saving for retirement since my early twenties, I almost never run retirement calculators. (I think the last time I did it was in 2010, with the Puddin…
    - 64 days ago, 18 Jun 14, 6:00am -

Not Made Of Money

  • 7 Ways to Prepare for the Holidays Now
    With the kids back at school and the weather changing come thoughts of the impending holiday season. With the shape of the economy today, many families will be cutting back on their holiday spending. That doesn’t mean you can’t have the festive t…
    - 2 days ago, 19 Aug 14, 2:29am -
  • 5 Steps for Scoring Great Deals No Matter What You Are Buying
    5 Steps for Scoring Great Deals No Matter What You Are Buying was first posted on July 28, 2014 at 5:31 am.©2013 "Not Made of Money". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader,…
    - 24 days ago, 28 Jul 14, 3:31am -
  • Tips for Making Space to Create a Pantry Stockpile
    Organizing and maintaining a pantry can be a lot of work, but it does have its advantages. By bringing a little bit of order to a pantry and making space to stock up non-perishable food and other ingredients, a pantry can actually save a lotTips for…
    - 45 days ago, 7 Jul 14, 6:44am -
  • Are Loans a Good Idea to Pay Off Credit Card Debt?
    The following article is brought to you by Travis Holmes. Credit cards are open lines of revolving credit, often charging high interest rates and tempting the consumer to run up a high amount of debt without really thinking about it. By the credit ca…
    - 49 days ago, 2 Jul 14, 4:20pm -
  • Tips For Spending Less Money
    When you look over your budget and realize that you’re spending more money than you’re making, you have two options. Your choices are to find a way to make more money or to work out a way to spend less money. Although increasing your incomeTips F…
    - 59 days ago, 23 Jun 14, 4:47am -

20 Something Finance

  • Credit Karma Now Offers Free Credit Report Access!
    Longtime readers will know that I have been using Credit Karma to monitor my credit score for a while now. The free consumer credit information service (best way I can think of to describe it) built ...Credit Karma Now Offers Free Credit Report Ac…
    - 3 days ago, 18 Aug 14, 6:06am -
  • Personal Responsibility and Finance
    Fresh off of my snarky “crowdfund my wedding” post a few weeks back, I have been keeping an eye on the latest crowdfunding trends. What a racket!There was the story of the attractive and heavily ...Personal Responsibility and Finance[Read th…
    - 10 days ago, 11 Aug 14, 6:01am -
  • Interviewer Asking for Reference to Current Supervisor?
    OK, this post is going to come across as part career advice, part opinion seeking, part storytelling, and part rant. Should be a fun one!As many long-time readers will know, my wife made the career ...Interviewer Asking for Reference to Current S…
    - 15 days ago, 6 Aug 14, 6:18am -
  • DIY Oil Changes: Are the Cost Savings Worth it?
    My wife and I wrapped up our kitchen renovation project a few months ago, and the only thing we paid someone else to do was to install our countertops (kind of hard to transport (30 ...DIY Oil Changes: Are the Cost Savings Worth it?[Read the rest…
    - 17 days ago, 4 Aug 14, 7:51am -
  • Cash is NOT King for Millennials
    I’ve been reading a lot about millennial trends lately, and… the kids are not all right.One of the more disturbing pieces shared the results from a recent survey of millennials on where they believe their ...Cash is NOT King for Millennials[…
    - 24 days ago, 28 Jul 14, 5:56am -

Beating Broke

  • Is It Worthwhile To Still Use Credit Cards with So Many Data Breaches?
    Just recently, PF Chang’s acknowledged that 33 of their restaurants had suffered a security breach over the last 8 months and that the credit card numbers as well as possibly the customers’ names and the expiration dates of the cards were comprom…
    - 8 days ago, 13 Aug 14, 6:51am -
  • Add Up Your Household Energy Savings
    We’re deep into the hot summer months.  Air conditioners across the country are doing overtime keeping our homes and businesses cool and comfortable and keeping the heat outside.  Unfortunately, it won’t be that much longer before we’re turni…
    - 30 days ago, 22 Jul 14, 7:05am -
  • The 1,700 Mile Move: 5 Lessons I Learned
    I come from a family of non-movers. For example, my mom, once she married, became listless and lost her appetite and quite a bit of weight.  The doctor diagnosed her with homesickness.  She had moved less than five miles from her family home to her…
    - 37 days ago, 15 Jul 14, 8:12am -
  • Why Purchasing Rental Car Insurance Isn’t Necessarily a Waste of Money
    I recounted in my last post the many adventures we had driving 1,750 miles from Illinois to Arizona where we damaged not one, but two rental cars.  We saved $100 by not purchasing the rental car company’s auto insurance, but that decision cost us…
    - 51 days ago, 1 Jul 14, 6:56am -
  • How Trying to Save $100 Cost Me $500
    My husband was offered a job in Arizona, 1,750 miles from where we current live in Chicago, Illinois.  Because neither of us had been to Arizona before, we wanted to visit before we committed to living there.  Time was of the essence, and booking a…
    - 57 days ago, 25 Jun 14, 7:32am -

20s Money

  • Savvy saving for young professionals
    Whether you’ve just landed your first proper job or have been working away at your chosen career for a few years, making sure that you put a bit of money away at the end of each month is just as important in your twenties as at any other time i…
    - 15 days ago, 5 Aug 14, 10:31pm -
  • The ‘Cooling Off’ Period – What You Need to Know
    So you’ve found the perfect property through a listing with a company like, and have signed on the dotted line. You’re looking for a good lawyer such as in Melbourne or in Sydney, and then…
    - 16 days ago, 4 Aug 14, 11:23am -
  • The Mysterious Forex Industry and its Online Scammers.
    There are many misconceptions floating around the life of a Forex trader and scammers are only too eager to take advantage of this. The belief that successful trading is easy, that money rolls in by the millions, and there is little risk to the inves…
    - 20 days ago, 31 Jul 14, 9:49pm -
  • What You Can Expect as a High Risk Merchant
    You are considered to be a high risk merchant if your business falls within any of the following categories:adult products or services alcohol, tobacco, legalized drugs (such as Cannabis), or firearms bankruptcy attorneys check cashing, payday, an…
    - 20 days ago, 31 Jul 14, 9:14pm -
  • Five reasons why payday lenders provide a viable and worthwhile service
    William John is an on- and offline financial buff and freelance journalist who produces editorials and advice articles for some of the UK’s most authoritative websites.   The payday lenders have more vitriol spouted at them on a daily basis tha…
    - 20 days ago, 31 Jul 14, 10:16am -


  • 3 Tips on Networking for Career Success
    When it comes to building wealth, there are some clear steps we can take. In my view, it can often be boiled down to this: Make Money Save Money Invest Money Manage Risks It makes sense when you think about it. We must first make money, as it’s har…
    - 3 days ago, 18 Aug 14, 3:14am -
  • Customer Service Recovery: My Recent Example
    First off, the customer service recovery to which I’m referring is that of a store, not me. I was the customer in this case, and dealt with a few “interesting” situations at a local store this past week. They were ultimately handled well, and I…
    - 10 days ago, 11 Aug 14, 4:27am -
  • Inconsistent Pricing: Pay Attention to Save Money
    Logic has its place. This is not always the case in life, as many things that happen are due to luck, fortune, and emotions. But usually, especially in terms of the buying and selling of goods in the marketplace, there is some logic involved. Example…
    - 19 days ago, 1 Aug 14, 11:15am -
  • Millennials Like Cash as a Long-Term Investment. Why?
    Cash is king, as the saying goes. That’s a concept that can apply to businesses, and to our own lives as well in many cases. Having money in hand offers less risk, on many dimensions, than having promise or hope for money in the future. Pay me $100…
    - 23 days ago, 29 Jul 14, 6:06am -
  • 6 Cost-Effective Upgrades for Investment Properties
    Rentals may be temporary solutions, but leaseholders can still be selective about the appearance of their units. Renters typically don’t invest in upgrading rental units because they can’t receive a return on their investment. At the same time, r…
    - 27 days ago, 25 Jul 14, 5:00am -

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

  • The romantic side of New York City – cozying up in the grand city
    New York is a bustling, vibrant global metropolis. It is always updated with every new development in the free world, and is the heart of business and finances the world over. Sometimes, however, it is best seen as old New York. Classics never grow o…
    - 8 days ago, 12 Aug 14, 12:23pm -
  • Pounds to Pocket withdraws birthday celebration loan promotions
    There has been enough news in the payday loans industry of late to wrap the entire quantity of fish and chips consumed in the UK over the summer. That’s not a fact of course, merely a guess, and chip shops aren’t allowed to wrap their wares in ne…
    - 21 days ago, 30 Jul 14, 12:56pm -
  • Problems and Solutions for Selling Your Home Today
    Selling your home in today’s climate is by no means an easy task. With the majority of Western economies still in a state of slow recovery, most prospective buyers are understandably cautious about any investment in the property market. Whilst we c…
    - 29 days ago, 22 Jul 14, 10:32am -
  • Essentials for Every Property Flipping Businesses
    Property flipping became incredibly popular in the 2000s. So popular in fact, that anyone with even the vaguest understanding of real estate thought that they could make some fast cash. Of course, they were completely wrong. Property flipping is by n…
    - 31 days ago, 21 Jul 14, 7:00am -
  • Starting your Small Business
    Coming up with the cash to get your small business or other entrepreneurial idea going can be rather difficult at times. It can be so difficult in fact that many people are not able to fulfill their entrepreneurial dreams because the funding is not a…
    - 51 days ago, 30 Jun 14, 10:39pm -

The Family CEO

  • It’s Kind of a Funny Story
    So, funny story. A year ago this week, Lindsey and I were in New York to be on the TODAY show. (Did you miss our 4 ½ minutes of fame? You can see it here.) The next day was rainy – very rainy – and we were killing time in a bookstore in the base…
    - 6 days ago, 15 Aug 14, 5:00am -
  • When Your Adult Child Comes Back Home
    We’re living a cliche: Our daughter – who graduated from college in May – is living in our basement. When you hear that do you picture a kid eating Doritos and watching Netflix all day? Yeah, same here. But on the contrary, Lindsey’s gainful…
    - 7 days ago, 14 Aug 14, 5:00am -
  • Investing with the Aristocrats: My Third Annual Dividend Investing Update
    Disclaimer: I am not an investing professional. This post is for informational and entertainment purposes only. You should always contact your financial advisor before making any investment decision. Most of our retirement savings are invested in mu…
    - 10 days ago, 11 Aug 14, 5:00am -
  • Our New and Improved Credit Card Strategy
    For many years our main credit card has been the Hilton Honors Visa card, and because of that we’ve earned a lot of Hilton points over time. Those free hotel rooms were nice, but they weren’t the best way for us to reward ourselves for our spend…
    - 14 days ago, 7 Aug 14, 5:00am -
  • Our Kansas City Staycation in Pictures and by the Numbers
    Last weekend Tom and I traveled exactly 17 miles to celebrate our anniversary. We went from our house in the suburbs to The Hotel President in downtown Kansas City. We wanted a weekend get away to mark the occasion, but we didn’t want the hassle o…
    - 16 days ago, 4 Aug 14, 2:07pm -

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…
    - 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

  • Free Two Year Subscription to LEGO Magazine
    Whether you collect LEGO as an investment or just for fun, this is an offer that you simply cannot turn down.  Just sign up at the link below and you’ll receive a two-year membership in the LEGO club including free copies of LEGO Club Magazine.…
    - 17 days ago, 4 Aug 14, 8:12am -
  • Sizing Up Your Debt
    Debt is a major problem in today’s world. It’s easy to get so far into debt that it seems like your every move is blocked by an insurmountable wall. But with the right plan, the right mindset, and a little bit of work you’ll be able to break th…
    - 30 days ago, 22 Jul 14, 4:39am -
  • 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…
    - 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 -

Quizzle Wire

  • newBreaking News: CFPB fines auto finance company $2.75 million
    Auto loan company, First Investors, will pay a hefty fine for knowingly providing inaccurate consumer information to credit reporting agencies...The post Breaking News: CFPB fines auto finance company $2.75 million appeared first on Quizzle Wire.
    - 8 hours ago, 20 Aug 14, 1:53pm -
  • new4 Tips for Downsizing to a Smaller House
    Do you feel that your home is a little too big, or too cluttered, or too expensive? If you are...The post 4 Tips for Downsizing to a Smaller House appeared first on Quizzle Wire.
    - 15 hours ago, 20 Aug 14, 7:00am -
  • Don’t let someone else ruin your credit
    Your credit history is a major part of your financial life. Even if you don’t think that you will borrow...The post Don’t let someone else ruin your credit appeared first on Quizzle Wire.
    - 1 day ago, 19 Aug 14, 2:00pm -
  • Tax Benefits of Homeownership
    Over the last few years, the idea of homeownership as a vital part of the “American Dream” has been fading....The post Tax Benefits of Homeownership appeared first on Quizzle Wire.
    - 2 days ago, 19 Aug 14, 7:00am -
  • Budgeting for College Students
    At this time of year, millions of students are getting ready to head off to college. For many of them,...The post Budgeting for College Students appeared first on Quizzle Wire.
    - 3 days ago, 18 Aug 14, 7:00am -

Funny About Money

  • newHow to Get Dog Pee Stink off Your Tile Floors, and Other Puppy Ventures
    Ugh! I spent THREE HOURS on hands and knees yesterday, trying to scrub Ruby’s puppy pee stink off the living room floor. Ruby, who is about as un-housetrained as a dog can get, has stealth-pissed repeatedly in the living room. A couple of times it…
    - 12 hours ago, 20 Aug 14, 9:27am -
  • Rain! Actual RAIN!
    Check out the photos at this news report — hope they stay online for a while, long enough for readers to get an eyeful. More entertainment appears here. About ten after six this morning the dogs and I rolled out of the sack, late because it was so…
    - 1 day ago, 19 Aug 14, 2:57pm -
  • And WHERE do the days go?
    Where, indeed? 1. Clean up highly perfumed gifts from the dogs, delicately laid on the living-room floor. 2. Take dogs for walk; Pup throws up. Return to house forthwith. 3. Water plants; refill pool. 4. Sweep down pool walls. 5. Try to coax Pup to e…
    - 2 days ago, 18 Aug 14, 11:11pm -
  • OMG! Small pleasures, large pleasures

    - 4 days ago, 16 Aug 14, 2:04pm -
  • New Website!
    Check out my new website for scribblers and others in the publishing industry: Writers Plain & Simple. This will be the blogsite for my new publishing imprint, whose main web presence will come online soon. The first book should be out in a few weeks…
    - 5 days ago, 16 Aug 14, 7:24am -

Yes, I Am Cheap

  • Mom Fired For Working At McDonald’s While Kid Plays In Park…Was She Wrong?
    Despite my headline, let me first say that it appears as if McDonald’s has communicated with this mom’s attorney that there was a misunderstanding about her employment status and that she been offered the right to return to work. See what had ha…
    - 24 days ago, 28 Jul 14, 8:56am -
  • 8 Possible Reasons Why You Didn’t Get the Job
    Nowadays, just about everyone needs a job.  This is especially important if you’re looking for a higher salary to pay off debt and improve your credit.  No matter what’s going on in your life, being employed can help you reach many financial go…
    - 30 days ago, 21 Jul 14, 2:42pm -
  • Growing My Dough: 6 Months In
    I love these update posts.  Six months ago I joined a challenge created by Jeff Rose of Good Financial Cents along with with like-minded personal finance writers who wanted to see how a $1,000 investment would pay off at the end of the year.  The g…
    - 35 days ago, 17 Jul 14, 9:41am -
  • July 1 Debt Check…And Other Stuff

    - 37 days ago, 14 Jul 14, 12:37pm -
  • Want To Help Someone? Let Them Fail
    Splat! That’s the sound of some people who I know falling flat on their faces.  It’s also the sound of a lesson learned the hard way.  And, in some ways, it’s the sound of a fair bit of guilt, but that too shall pass. I’ve been sharing the…
    - 52 days ago, 30 Jun 14, 9:16am -

Prairie EcoThrifter

  • newForget the Small Stuff; Save Money on Bigger Costs
    In the personal finance world, it’s common to focus on all the small ways you can save money each day. The idea is that small savings add up over time. Cut out that $5 premium coffee from your weekday routine, and you could save $100 per month, $1…
    - 21 hours ago, 20 Aug 14, 12:29am -
  • What Features Are Most Important When Buying (and Selling) a House?
    My husband and I recently (like just last week!) bought our first home.  During the home search process and through countless discussions with our realtor, we learned what features are most important when buying a house. Because we will likely sell…
    - 2 days ago, 19 Aug 14, 12:28am -
  • 4 Ways Pet Ownership Can Benefit Children
    As a child, I had many pets. Pet ownership was something that was ingrained in my family’s life since before I was born. We have always all been animal lovers and I grew up in an environment with animals aplenty. We had dogs, hamsters, cats, fish,…
    - 3 days ago, 18 Aug 14, 12:28am -
  • It’s Time to Leave Your Money Mistakes in the Past
    As humans, we tend to be hard on ourselves. When we make mistakes, we dwell on them, dredging them up, and remaining ashamed — often long after others have forgiven us and moved on. The same is true of our money mistakes. It’s all too easy to get…
    - 6 days ago, 15 Aug 14, 12:28am -
  • How I Lowered My Blood Pressure – Without Medicine
    Last winter I had to do my 5 year colonoscopy (family history sucks!). When they took my blood pressure just prior to the procedure it was sky high, way more than my ‘normal’ of around 130/80. Of course, part of the reason for the higher pressure…
    - 7 days ago, 14 Aug 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

  • These Buyer Incentives Will Get Your Home Sold Fast
    A decade ago ago selling your home couldn’t have been easier.  Prices soared in what was a true buyer’s market and competition among buyers was fierce.  It wasn’t uncommon to see a bidding war push the sale price tens of thousands of dollars…
    - 3 days ago, 18 Aug 14, 3:38am -
  • Friday Fun
    Ahhh, Friday.   Is there anything more glorious than knowing the weekend is about to begin and you can unshackle yourself from the 9 to 5 doldrums and have some fun? Whatever you have planned for this weekend I hope you have a smashing time! As a ne…
    - 6 days ago, 15 Aug 14, 4:01am -
  • What is a 401k Plan and How Does It Work?
    You’ve probably heard the term 401(k) a thousand times before and you might even have some of your money invested in one, but how much do you really know about it?   Perhaps you don’t even realize that you’re eligible to participate in a 401(…
    - 8 days ago, 13 Aug 14, 4:00am -
  • Backyard Projects and Wish List
    My daughter Gabriella is turning ten later this month and we’re planning a small backyard party for her.  it’s nothing out of control, just the family and a couple of close friends over for an afternoon of socializing over some expertly grilled…
    - 10 days ago, 11 Aug 14, 7:18am -
  • NFL Extra Points Credit Card Review
    Football season is here at last!  And you know what that means…dazzling passes, heart-pumping rushes, and bone-crushing hits.  There’s just nothing like it is there?? Actually there is! If you act fast you can make this football season even bet…
    - 15 days ago, 6 Aug 14, 3:41am -

20's Finances

  • newBest Way to Track Your Net Worth
    I USED to think that tracking your net worth was for rich people. It was just something that older people did, or even people who were older and closer to retirement. I thought it was just one of those things that people with a large net worth used t…
    - 18 hours ago, 20 Aug 14, 4:00am -
  • I’ve Been Turned Down for Life Insurance. Now What?
    There are many reasons a person can be turned down for a life insurance policy, and not all of them are related to health. Of course, various health conditions as well as a history of drug or alcohol abuse can be factors that can lead to a rejected a…
    - 1 day ago, 19 Aug 14, 3:24pm -
  • Understanding Non-Compete At Work
    When you get your first job, you'll be signing a lot of documents upon being hired. You'll be paying the most attention to your direct deposit form and your 401k form since these deal with your salary. One form that might not raise questions but need…
    - 3 days ago, 18 Aug 14, 4:00am -
  • How to Help Family Members With Money Issues
    You've probably heard about not mixing money and family. When you lend money to family (or even friends) it tends to end badly. But I'm not here to talk about why you shouldn't mix the two. I am going to talk about why you shouldn't help out family m…
    - 5 days ago, 16 Aug 14, 8:05am -
  • 6 Tips to Budget for Your First New Car
    Buying a new car is a special experience, because you have the opportunity to drive something no one has used before. That fresh new car smell is always a little sweeter in a vehicle that's not pre-owned. While a brand new car is significantly more e…
    - 6 days ago, 14 Aug 14, 3:25pm -

Careful Cents

  • newHow I Quit My Job and Became an Accidental Entrepreneur
    Today’s post comes from Assistant Editor Melanie, who recently quit her day job to start her own freelance business. She shares more of her journey on her blog, Dear Debt. I never thought I’d be an entrepreneur. I hardly knew what the word meant…
    - 15 hours ago, 20 Aug 14, 7:00am -
  • Get Published on High Traffic Sites: 5 Steps to Using Help A Reporter Out (HARO)
    If you’re a small business owner and you haven’t heard of Help A Reporter Out (also known as HARO for short), well, you’re in for an awesome surprise. HARO is a free service you can join that will link you with reporters from all over the nat…
    - 8 days ago, 13 Aug 14, 7:00am -
  • How to Overcome Uncertainty as a Self-Employed Business Owner
    This post is from new contributor Kali Hawlk who’s documenting her journey to quitting her day job and starting her freelance business. Read the rest of her story here. When you’re the boss and running the show, insecurity and uncertainty a…
    - 15 days ago, 6 Aug 14, 7:00am -
  • Cash Budget Challenge Check-In: Overcoming a $1,645 Financial Emergency
    After having spent over a year climbing out from under consumer credit card debt, at the beginning of this month I found myself once again in that same position. And let me tell you, I was NOT happy! It’s been a rough first year as a full-time ent…
    - 21 days ago, 31 Jul 14, 7:00am -
  • How to Deal With a Business That No Longer Inspires You
    The beginning of 2014 was off to a rough start. Like many business owners, I was coming off the holidays and spending all my time trying to catch up on work that had fallen behind during the break. But as the months went on (and with the help of my c…
    - 27 days ago, 25 Jul 14, 7:00am -

Everything Finance

  • newGiveaway: Enter to Win a $100 AMEX Gift Card
    Giveaway: Enter to Win a $100 AMEX Gift Card is a post originally published on: Everything Finance - Everything Finance - Its all about Money!  Just to say how much we appreciate your loyalty, we are giving away a $100 AMEX gift Card.   Please E…
    - 10 hours ago, 20 Aug 14, 11:57am -
  • newTo Share or Not to Share?

    - 23 hours ago, 19 Aug 14, 11:00pm -
  • The Future Burden of Student Loans
    The Future Burden of Student Loans is a post originally published on: Everything Finance - Everything Finance - Its all about Money!I Didn’t Have to Have Student Loans My mother was a loan officer at our small, hometown bank. She repossessed cars…
    - 2 days ago, 18 Aug 14, 6:04pm -
  • How to Stop Worrying About Money   
    How to Stop Worrying About Money    is a post originally published on: Everything Finance - Everything Finance - Its all about Money!There was a point in my life where my husband and I had $11 in our checking account and it was supposed to last…
    - 2 days ago, 18 Aug 14, 3:21pm -
  • 7 Ways to Boost Your Financial Stability
    7 Ways to Boost Your Financial Stability is a post originally published on: Everything Finance - Everything Finance - Its all about Money!In a survey conducted between September and October of last year, the Federal Reserve reported that 25 perce…
    - 3 days ago, 18 Aug 14, 6:37am -


  • 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

  • Burdened by Bankruptcy? 5 Quick Tips for Emerging from Debt
    If you declared bankruptcy in the past couple of months or years and are still struggling to get back to normal, you can be proactive to improve your life. The whole point of enduring a bankruptcy is to get your life back on track. Let's take a look…
    - 3 days ago, 17 Aug 14, 9:50pm -
  • So You Want to Flip a House? 5 Must-Know Tips
    House-flipping is one of those hobbies or occupations that a lot of people are drawn to by the lure of big dollars for comparatively little work. After all, the concept is pretty simple. You find a house that is priced low that needs some work, buy…
    - 7 days ago, 14 Aug 14, 7:00am -
  • The GOLDen Years: Five Financial Changes You Need to Make When You Hit 60
    After spending a lifetime building a career and working toward your retirement goals, it can be an adjustment financially once hitting the age of 60. Although you may be used to living a certain lifestyle, financial adjustments may need to be made to…
    - 8 days ago, 12 Aug 14, 8:52pm -
  • How Safe Is Your Retirement Fund? 5 Things To Consider When Building Your Portfolio
    When looking to retirement, you will want to save money and put it away in the right mutual funds and stocks. Otherwise, you are going to end up having a tough retirement. With this in mind, here are five things to consider when building your portfol…
    - 10 days ago, 10 Aug 14, 8:12pm -
  • 3 Ways Financial Debt Can be a Family Killer
    A bad economy has a trickle-down effect. First big banks and corporations take the hit. Then employers can't afford to cover payroll. Next come forced layoffs and terminations. It is important to remember that one of the often overlooked casualties o…
    - 10 days ago, 10 Aug 14, 7:40pm -

Sunk Costs Are Irrelevant

  • I Lost My Job – Day #66 Lessons in Pride and Anticipation
    Every new beginning comes from some other beginning’s end. I have to say I expected to be fully employed by this point, but it just hasn’t happened that way.  It’s actual been an incredibly fruitful job search.  I continue to…Read more ›…
    - 17 days ago, 4 Aug 14, 9:56am -
  • I Lost My Job – Day #19 Strange Lessons
    It’s June 19.  I’m about 3 weeks into this weird phase of my life of unemployment.  It’s simply strange.  The days have begun to blend together.  I hit a lull around week 2 where it looked like all opportunities were…Read more ›The p…
    - 62 days ago, 19 Jun 14, 11:49am -
  • Stocks For Your Kids: Year 4 Update
    Stocks For Your Kids Series: How to Choose Year 1 Update Year 2 Update Year 3 Update Dear Son, It’s time to look at your stocks again!  These are interesting times at our house as you turned 8.  Due to my recent…Read more ›The post Stock…
    - 78 days ago, 3 Jun 14, 10:29am -
  • I Lost My Job – Day #0 Termination Day
    Well, here it is Friday, May 30 also known as Termination Day or The Day I Lost My Job.  I would like to tell you it was exciting at the office today, but in reality I had a meeting with…Read more ›The post I Lost My Job – Day #0 Terminatio…
    - 82 days ago, 30 May 14, 9:28pm -
  • I Lost My Job – Day #-17 HEALTH INSURANCE!
    Not only am I the primary provider of income to my family, but I am also the sole provider of health insurance.  As a result of my upcoming termination our family’s health coverage will end.  DW has had a lot…Read more ›The post I Lost My…
    - 100 days ago, 13 May 14, 9:24am -

Afford Anything

  • Five People, One Income, and Self-Made Success
    Myth: If you’re supporting 5 people on 1 income (and it’s not a high income), you’re screwed. You’ll never become a business owner or an investor. You’ll be lucky just to pay the bills. Fact: Ladies and gentlemen, meet success story: Rental…
    - 15 days ago, 5 Aug 14, 10:16am -
  • We Bought House #5. Here’s a Behind-the-Scenes Look — Including the Numbers.
    Moderation is not my strong suit. I don’t just eat one chocolate-chip cookie — I either eat zero, or I eat the whole batch. I don’t just travel for a weekend — I either stay at home, or I hit the road for weeks/months/years. And apparently, I…
    - 24 days ago, 27 Jul 14, 3:58pm -

Family Money Values

  • Teach Your Kids the Power of the Time Value of Money
    Grandma Rie’s Money Camp was last week – it was another week of fun, learning and activities about personal finance . One of the activities we did this year explored the concept of the time value of money. The grandkids … Continue reading →
    - 13 days ago, 7 Aug 14, 4:03pm -
  • Stand Up for Independence!
    The Declaration of Independence: A Transcription IN CONGRESS, July 4, 1776. The unanimous Declaration of the thirteen united States of America, When in the Course of human events, it becomes necessary for one people to dissolve the political bands wh…
    - 48 days ago, 4 Jul 14, 1:00am -
  • A “Lets Pretend” Game to Help Teach Your Grade Schooler to Manage Money
    I’m spending the month preparing for my 2014 Grandma Rie’s Money Camp session which will be held at the end of July this year. This year’s camp changed location to take advantage of a Federal Reserve tour, tours of my … Continue reading →
    - 50 days ago, 1 Jul 14, 11:44am -
  • Raising Great Adults – 4 Lessons Parents Must Teach
    I’m a lucky parent. Both of our children (now adults) are healthy, independent, successful, happily married and responsible. I like to think that some of the things I did while raising them helped them reach that state. Today, I share … Continue…
    - 59 days ago, 22 Jun 14, 1:53pm -
  • Tips for Students to Find Summer Jobs
    When the summer rolls around school is out and students need a way to bring in some money so they can have some summer fun. Finding a job is not as easy as it used to be in the old … Continue reading →
    - 60 days ago, 21 Jun 14, 2:30pm -

Stumble Forward

  • 3 Reasons You Should Adopt Video Conferencing for Your Business
    Running a business can seem like juggling 20 different things at once. I know this from personal experience because I own two businesses myself. You have to deal with payroll, bills, inventory, customer service, employee satisfaction, marketing, and…
    - 2 days ago, 19 Aug 14, 8:25am -
  • LOOK AFTER THE PENNIES – The 5 Richest People In The World
    The world today is home to an astonishing number of billionaires – all of them have come by their fortunes in different ways. Some, for example, may be heirs and heiresses to long standing family legacies. But there are also plenty on the rich list…
    - 6 days ago, 14 Aug 14, 10:14am -
  • [Survey] Take My 8 Question Podcast Survey
    Before you read the rest of this article take my podcast survey right here. Starting Over On My Podcast You may have noticed that I haven’t produced a podcast episode in a while.  In fact my last episode came out on May 12th of this year and I hav…
    - 37 days ago, 14 Jul 14, 2:41pm -


  • 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…
    - 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…
    - 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…
    - 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

  • newTime and Well-Being
    Everybody has heard the old adage “Time is money,” but very few have considered what it means in their own lives. Every hour you spend on something could potentially be costing you lost wages, leisure, lost weight (through exercise), skills, hobb…
    - 15 hours ago, 20 Aug 14, 7:00am -
  • Is the Stock Market Making You Anxious?
    We read with great interest – and perhaps a little incredulity – the recent Wall Street Journal piece reminding investors that a little stock market anxiety can be a good thing. Now, don’t get us wrong – that conclusion is exactly right.  If…
    - 3 days ago, 18 Aug 14, 5:00am -
  • The Maximum Wage is a Horrible, Disgusting Idea
    It must have been something in the water: I read multiple times in the last few weeks that the ultimate path to salvation in American economic life lies down the road to the maximum wage.  Yes, that’s right – multiple articles in seemingly serio…
    - 7 days ago, 14 Aug 14, 4:59am -
  • Argentinian Lessons and the Chase of Yield
    So, Argentina defaulted – for the third or fourth time in the lives of even our younger readers (For those of you keeping score at home, 1982, 1989, 2001 and now 2014).  I suppose you could make the argument that it was easy to see coming, Argenti…
    - 9 days ago, 12 Aug 14, 5:20am -
  • The DQYDJ Weekender, 8/10/2014
    Wish I could quote you folks some new, hilarious, spam… but all the recent spam has been so polite! Woah! I’m really digging the template/theme of this website. It’s simple, yet effective. A lot of times it’s difficult to get that “perfect…
    - 10 days ago, 10 Aug 14, 10:33am -

The Debt Princess

  • Discovering America’s Favorite Past-time with the 2014 Topps Baseball Series
    My youngest son has decided that he loves baseball. He played two season of t-ball before deciding that he loved soccer. Then last year I took him to his first minor league and his first major league game…he was hooked!…Read more →
    - 29 Apr 14, 8:06pm -
  • 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 →
    - 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 →
    - 21 Apr 14, 6:00am -

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

  • Too Many Super Funds? Why you need to consolidate your Lost Super
    Superannuation can be a tricky concept for many people, so to put it simply: it’s your future and it’s your lifeline. The problem is, some people don’t even know how much super they have because they’ve had a different super fund for every jo…
    - 3 days ago, 18 Aug 14, 4:56am -
  • Simple Tips For Maximising Your Tax Return in 2014
    Tax time can be stressful for so many reasons, and there’s no point pretending otherwise – but if you know how to maximise your return then the worry and hassle may actually seem worth it. The following tips are designed to help you keep more of…
    - 22 days ago, 30 Jul 14, 1:53am -
  • Cost Effective Ways To Promote Your Brand
    Brand promotion is the heart of marketing and is vital for any business. Increase sales by getting your brand noticed by your target market. Here are five cost-effective marketing approaches that work for every business: 1. Use promotional products G…
    - 25 days ago, 27 Jul 14, 12:15am -
  • 5 Important Things to Look for in a Bank Account
    Discussing banks and banking is a topic that tends to bring on the yawns for many people. Accounts are opened because they have to be, so finding the right bank and bank account is usually approached quickly rather than thoroughly. With a BOQ bank ac…
    - 31 days ago, 21 Jul 14, 4:28am -
  • Find A Financial Planner Checklist – 8 Questions You Must Ask
    How do you find a financial planner that is just right for you? There is little doubt that most people can benefit from the services of a good financial planner (financial advisor).  These eight questions act as a great checklist. They have been de…
    - 43 days ago, 9 Jul 14, 4:47am -


  • 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

  • Net Worth Update (-1.6%)
    Click here to see my current net worth. The month of July ended slightly down.  Overall, my net worth decreased by $28,698 since my last update early July.  It was a brutal month from a stock market perspective, especially at the end of last w…
    - 14 days ago, 7 Aug 14, 6:42am -
  • Net Worth Update (+1.2%)
    Click here to see my current net worth. The month of June ended slightly up.  Overall, my net worth increased by $22,038 since my last update early June.  Our net worth increase would’ve been higher, but my wife’s employer is changing her pay…
    - 50 days ago, 1 Jul 14, 1:09pm -
  • Wealthfront versus Betterment
    For the longest time, I have managed my own investment accounts. Early on, I attempted to buy individual stocks with disastrous results. After learning from this mistake, I began to invest in mutual funds without paying any attention to fees. Over th…
    - 62 days ago, 19 Jun 14, 11:10am -
  • Net Worth Update (+2.6%)
    Click here to see my current net worth. The month of May ended slightly up.  Overall, my net worth increased by $45,488 since my last update early May. The major drivers of the increase were: Broad stock market gains I also was able to contribute a…
    - 78 days ago, 3 Jun 14, 12:57pm -
  • Net Worth Update (-1.2%)
    Click here to see my current net worth. The month of April ended down.  I honestly can’t pinpoint why it was down as the market was actually up for the month.  My investments just didn’t do as well as the market.  Overall, my net worth decreas…
    - 2 May 14, 10:02am -

Money Infographics

  • Using online ERP: Getting started
    Effective project management is critical to the success of all businesses, and small businesses in particular must ensure they successful manage the delivery of their projects in order to remain competitive and lay the foundation for future growth. U…
    - 46 days ago, 5 Jul 14, 3:14pm -
  • Round up of some amazing reads this week
    Debt Guru @ Debt Free Blog writes Caution!: Ten Warning Signs of Debt Problems – Being in debt can be a serious issue. Financial problems can follow you for your life. The following are ten signs that you may be facing debt problems. Maria @ The Mo…
    - 88 days ago, 25 May 14, 1:45am -
  • Plan so you don’t leave the UAE broke and disillusioned
    There’s little doubt about it, the United Arab Emirates (UAE) is a popular Middle East country in which to live and work. Having said that, hard data about the make up of the UAE’s disparate expat communities – how many in each group and from w…
    - 27 Apr 14, 3:36pm -
  • 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…
    - 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…
    - 16 Feb 14, 11:31am -

Money and Map

  • Best Place To Find Information
      List of My Favorite and Most Visited Websites Save money here by finding the lowest and cheapest […]Keep Reading A Related Topic:List of Money Saving Stacking Tips and Tricks for Holiday Shopping   Black Friday, Small Busin…
    - 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 Re…
    - 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…
    - 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 Ben…
    - 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 Ou…
    - 1 May 13, 3:21pm -

Debt Free Squad

  • 5 Rookie Investing Mistakes to Avoid
    Smart investing is an acquired skill. It takes years of experience to invest properly. Tune in to learn what Jeff has learned about investing over the last 40 years. These five tips will save you time, money, and stress. Post Footer automatically gen…
    - 94 days ago, 19 May 14, 9:13am -
  • Should I Help my College Graduate Financially
    Post Footer automatically generated by Add Post Footer Plugin for wordpress. Thanks for installing the Bottom of every post plugin by Corey Salzano. Contact me if you need custom WordPress plugins or website design.The post Should I Help my College…
    - 30 Apr 14, 8:24pm -
  • 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. Post Footer automatically generated by Add Post Footer Plugin for wordpress. Thanks for ins…
    - 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:…
    - 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…
    - 11 Mar 14, 7:52pm -

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

    - 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…
    - 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…
    - 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…
    - 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…
    - 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…
    - 16 Feb 14, 2:00pm -

The Credit Letter

  • How Much Money Do Consumers Spend Online Each Minute?
    Each year, more and more money is being spent online by consumers buying clothes, beauty products, electronic gadgets, flights, hotels and everything else you can imagine. Buy it now: Watch the realtime pace of online spending [Interactive Page] To m…
    - 9 days ago, 11 Aug 14, 11:04pm -
  • 10 tips to make the most of your credit card
    Credit cards are a very useful financial tool by giving you the flexibility to conveniently pay for things without having the cash on you. Of course, a debit card can do that too but a credit card enables you to spread the cost of big-ticket purchase…
    - 9 days ago, 11 Aug 14, 10:20pm -
  • 11 Questions with Chris Guillebeau
    If you are into travel hacking, then you’ve probably heard of Chris Guillebeau before. If you haven’t, you’re in for a treat. Chris is seriously talented at earning frequent flyer points and knows how to get the most value out of them. If you f…
    - 91 days ago, 21 May 14, 6:30pm -
  • Who Really Owns the Big Four Banks?
    In response to concerns over how our financial institutions operate, we recently launched a piece of research on the issue of bank ownership in Australia. Often consumers who choose to bank with smaller, more independent banks may, in fact, be bankin…
    - 94 days ago, 18 May 14, 6:30pm -
  • Interview with Steve Hui from iFlyflat
    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 -


  • Do You Have To Pay An Employee On Leave?
    You may have employees that take a leave of absence for a variety of reasons. It may be due to birth, adoption, illness or if a family member has a serious health condition. In all cases, it's morally up to the employer to show compassion and und…
    - 5 days ago, 15 Aug 14, 3:08pm -
  • Are You Following The Rules When Paying Terminated Employees?
    All businesses go through employee turnover at one point or another. Employees either voluntarily quit, are laid off or fired, or tragically pass away. In all instances, the business is ultimately responsible for when and how each employee is pai…
    - 12 days ago, 8 Aug 14, 3:07pm -
  • Benefit From The 2014 Sales Tax Holiday Season
    The back-to-school sales tax holiday season is upon us. As is customary, we've compiled a list of states offering sales tax holidays for paper, pencils, backpacks, clothing and other school supplies. Find out if your state is participating and/or…
    - 19 days ago, 1 Aug 14, 2:28pm -
  • Why You Need A Succession Plan For Your Business
    The fate of many small businesses often lies in the hands of only a small number of individuals. Despite this fact, many owners do not have a succession plan. This is also troubling given that recent census bureau data suggests that a third of sm…
    - 22 days ago, 29 Jul 14, 11:17pm -
  • Is Your Business Setting Prices Too Low?
    Companies that are not actively exploring, testing and implementing new prices for their products or services may have difficulty sustaining their business over the long-term. Specifically, businesses that price their products or services too low…
    - 26 days ago, 25 Jul 14, 2:20pm -

The Truth About Mortgage

  • newMedian Down Payments Have Surged For Entry Level Homes
    While interest rates continue to hover near record lows, many of today’s first-time home buyers may find it difficult to come up with the money required to purchase a property. At the end of the day, a low interest rate can only provide so much acc…
    - 4 hours ago, 20 Aug 14, 5:35pm -
  • Rising Rents Could Be a Good Reason to Buy a Home Today
    Despite the fact that home prices have risen by double-digits over the past couple years, buying might still beat renting because monthly rents are also climbing at a rapid clip. Lately, there have been numerous reports and frightening new stories ab…
    - 7 days ago, 13 Aug 14, 3:47pm -
  • Apparently It’s Not a Housing Bubble, But an Affordability Crisis
    Here’s some good news, if you can call it that. Real estate experts at a recent housing forum in San Francisco determined that we are in the midst of an “affordability crisis,” not a housing bubble. Jed Kolko of Trulia fame and Tim Cornwell of…
    - 13 days ago, 7 Aug 14, 1:56pm -
  • Have Massive Home Price Gains Eclipsed the Benefit of Low Mortgage Rates?
    The new threat to those resisting the urge to buy real estate (how dare you) is the risk of rising mortgage rates. All the pundits believe interest rates are headed closer to 5% for a 30-year fixed, up nearly a full percentage point from current leve…
    - 14 days ago, 6 Aug 14, 12:47pm -
  • Home Builders Claim $1,000 Price Increase Can Shut 200,000 Out of the Market
    You know that old saying, “Every little bit helps.” Well, the opposite might also be true when it comes to home prices. A new study from the National Association of Home Builders (NAHB) revealed that a mere $1,000 increase in the cost of a new, m…
    - 16 days ago, 4 Aug 14, 5:04pm -

All About Living With Life

  • 10 Effective Skills to be Successful at Work
    A winner is someone who recognizes his God-given talents, works his tail off to develop them into skills, and uses these skills to accomplish his goals.-Larry BirdTo be successful at work is to be able to perform effectively and productively. What ar…
    - 3 days ago, 18 Aug 14, 9:00am -
  • Productive Use of Technology for Free
    This is why I loved technology: if you used it right, it could give you power and privacy.–Cory DoctorowWhen you have the necessary hardware like a personal computer, an iPad, a printer and internet connection you can take advantage of technology a…
    - 7 days ago, 14 Aug 14, 9:00am -
  • What can you do productively when there is no internet connection?
    In most places of work people are at a loss when the system is down and without internet connection. Here are a few tips to occupy your time productively when the system is offline: 1.      Software in your hard disk: For those people working on…
    - 10 days ago, 11 Aug 14, 9:00am -
  • 10 Delightful Ways to Live a Meaningful Life
    Life has different perspective for different people. For some life is to enjoy, some live casually to make life easy going, some live for adventure, some explore it as beauty of living with nature, and for some it is a lesson. But at the end, you mus…
    - 14 days ago, 7 Aug 14, 9:00am -
  • 12 Healthy Habits to Live Life
    What you do every day can be beneficial or detrimental to your health. Staying up late every night and getting insufficient sleep is bad for your health while early to bed and early to rise promote good health.Here are 12 healthy habits to adopt and…
    - 17 days ago, 4 Aug 14, 9:00am -


  • 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 -