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Inexpensive Solutions to the Family Entertainment Conundrum
2010-10-16 07:20:00
When did the price of movies get so high that you practically have to take on a second job just to treat the family to a night of film-viewing (popcorn and soda equals third job!)? And forget about theme parks ? you might have to get a second mortgage to pay for a day with Mickey and Minnie. Despite the downturn in our economy, it seems that providers of family entertainment have no intention of cutting the public a little slack on the cost of fun. If anything, their prices continue to rise even as their sales plummet (maybe not the brightest business model). However, tightening your belt doesn?t mean you can?t still find ways to entertain the family on a Saturday night; you just need to get a bit more creative. So here are a few ways to have some fun, connect with your kids, and save a little money to boot.1. Movie night. If you average even one movie in the theater each month, you?re going to save money by investing in Netflix. You can receive movies by mail (BTW ? no late ...
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Soaring Gold Prices May Leave Households Uninsured
2010-10-15 15:57:00
You can?t have failed to notice the rapid rise in the value of gold over the past couple of years: the boom has been astonishing, and it has led many people to cash in on their shiny stuff in an effort to generate some much needed cash. For those who have resisted selling their valuables, there lies the risk that their precious rings and other items will be left uninsured as their worth continues to rise over time. It is highly advisable that owners get their gold items professionally valued and then check that their insurance policy offers the correct level of cover if they are lost or stolen. Will Gold Prices Continue to Rise? It is thought by many experts that gold prices will continue to rise over the coming months and even years, as many investors still believe that gold is a safe haven amidst a rather uncertain global economy. Of course, what goes up must eventually come down, but for the foreseeable future, the worth of gold is still incredibly high, meaning many people ar...
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10 Reasons Homebuyers Should Use a Mortgage Broker
2010-10-14 23:40:00
There are many benefits to using a mortgage broker when you buy a home. A mortgage broker serves as the middleman between a homebuyer and the mortgage loan company. Many homebuyers think that they should just cut out the middleman and work directly with the lender themselves. However, there are a lot of good reasons for you to use a mortgage broker when you?re buying a home. Ten top reasons include: 1. Mortgage brokers know what the best loan rates are at any given time. A main reason to consider using a mortgage broker is because it can end up saving you a lot of money. Mortgage brokers do extensive research into the current rates being offered by both small and large lenders. They are able to tell you what the best rates are at any given time. This is information that you could get yourself but it would require doing extensive research. That means it doesn?t just save you money but also saves you time. 2. Some mortgage brokers will beat the prices you?ve found on your own. I...
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Budgeting Tips for Couples
2010-10-14 15:02:00
The days where your biggest decision as a couple was what movie you were going to watch are over. Now, you are taking a new step as partners ? perhaps you have recently moved in together, or are considering starting a family. This is where your expenses as people start to necessarily merge together. The line clearly defining ?whose money is whose? is starting to blur. Managing your own finances can be hard enough on its own, but what do you do when your partner is involved? Your landlord doesn?t hand you a guidebook along with your copy of the lease explaining how he thinks you should earn the money to pay him (although that would be nice?). No, he just expects his money on a certain date and it?s up to you to figure out how you?re going to get it to him. Luckily for you, you stumbled upon this article. It is my hope that reading and following these guidelines will make the burden of sharing finances much easier.Share the Burden: Because two people?s finances are involved, two peopl...
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The Latest Sneaky Credit Card Fees To Watch Out For
2010-10-14 14:03:00
Many of us are familiar with that little plastic card that has come to our rescue in many a time of distress and has contributed to making our lives that much easier. However, this little plastic card also known as a credit card can also be a source of tremendous stress. And the cause of anguish is not just when you default. There is another less conspicuous yet almost as damaging a factor - hidden card fees. You might be familiar with the recently passed Credit Card Act that aims to ease the financial burden of holding a credit card by reducing the fees you incur and making credit card transactions that much more transparent. Sounds like good news you might say. But before heave a huge sigh of relief, you might want to read through your credit card statement again. In spite of this new law, many credit card companies have come up with new fees and penalties to make up for the fees being prohibited by the Act. The sad part about this is that all these fees are technically legal...
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In need of shopping tips to save yourself money? Look no further than onlin
2010-10-13 17:35:00
If you are after money saving tips for shopping then there is no need to look any further than online shopping incorporating online codes. I doubt there is a bigger craze in cyberspace than these online codes which you can redeem to save yourself money. If we look at the online retail market in the UK we can see that 15% of today?s retail sales are online which is set to rise to 40% by 2020 and this accumulates to savings of £13billion a year which is approximately £500 per household currently. In the US the figure is predicted to reach the $172.9billion mark by the end of 2010 which is 7% of all retail sales and $250billion by 2014. It was estimated that $917 billion worth of retail sales last year were ?Web-influenced?, so more and more people will eventually complete their purchases online too. The figures speak for themselves and the trend is only going to grow which will eventually see more people purchase online. Buying online 9 times out of 10 is cheaper than getting your...
More About: Shopping , Money , Tips , Save

The Frugal Life: Living High on the Hog for Less
2010-10-13 09:32:00
Nobody wants to give up the conveniences of modern life. And yet, in this time of economic recession, most of us have had to tighten the belt and woefully turn away from pricey items that we wouldn?t have thought twice about throwing in the shopping cart just a couple of years ago. Yes, we have all had to make compromises when it comes to our spending habits in order to weather the stormy economy without sinking. However, adopting a frugal lifestyle doesn?t necessarily mandate living like a monk, and if you learn to find cheap alternatives to the expensive items you purchased in the past, you stand to save a lot of money while still feeling like you have everything you need. So you may want to try a few of these tricks to party like it?s 1999 (even in 2010). 1. Ditch the Doritos. Admittedly, this is a party staple. But when you consider how much money you spend on ?food? items that come with no nutritional value, you may begin to rethink your diet. Skipping junk food in favor...
More About: Life , Living , High

5 Creative Ways To Save Money On Your Cell Phone Bill
2010-10-12 21:26:00
#1 ? Employee and student discounts Most major cell phone providers ? including Sprint, AT&T, and Verizon ? offer special discounts for employees of large companies as well as students at colleges and university. For example, UPS employees can save 20% off their monthly Sprint bill. However these discounted rates aren?t advertised, so you will need to call up customer service and ask for them! #2 ? Credit cards that offer wireless discounts Most cash back credit cards typically only give you 1% in rewards, but did you know some of them give you up to a 5% rebate on wireless services, such as your cell phone bill? For example, the AT&T Universal card gives 5 points for every dollar spent on AT&T products and services. However there?s one that?s even better than the AT&T Universal card and that is the American Express Simply Cash, because it gives a 5% rebate on all wireless services, regardless of the carrier. ...
More About: Creative , Phone , Money , Cell Phone , Save Money

Top 3 Tips For First-Time Home Buyers
2010-10-12 15:03:00
If you are a first-time home buyer looking to purchase property, you are probably feeling overwhelmed. There are a million things to consider when making this decision. Here are a few helpful tips for you to consider and utilize before you make your big purchase. Tip #1: Hire a real estate agent. Would you give yourself open heart surgery if you needed it? Would you let your cousin with no legal training represent you in court? These propositions sound ridiculous. There are some situations in life in which it is best to ask a professional for help. Buying a home is certainly one of those circumstances. A real estate agent is there to help you find your dream home. You give them your requirements and your price point, and they do all the heavy-duty searching so you don't have to. When you do find the house that you love, the agent helps you negotiate the price. Ask friends, family, and coworkers for recommendations of a good real estate agent, and do some research beforehand. U...
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How Does My Home Compare To Your Home?
2010-10-12 15:02:00
A Comparative Market Analysis can be a pretty hefty tool. After all you'll be basing your homes worth on what this report says. A CMA take similar properties in your area, compares them and then tells you what your home should be selling for based on your area. The question that comes up then is ?What's considered a similar property?? Ideally, a property should be matched up to other similar properties. The comparison is made on a couple of different criteria. To start off with the houses need to be sold recently, preferably in the past 6 months and it should be the same size both in square footage and lot size. The houses being compared should also be the same style and period. For example, a Victorian house can't be compared to a one story ranch. The internal layout of the house, such as how many bedrooms, bathrooms etc should be equal and the houses should have approx the same age as well. For most areas, this doesn't provide too much of problem, mainly because most areas a...
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Stretch Income - Help Your Money Go Further Each Month
2010-10-11 20:01:00
When you have a set salary, stretching your income becomes important. You might be feeling the pinch, and looking for ways to help your money go further each month. You are probably already using coupons to buy some of your groceries and pinching pennies on some items. However, sometimes these actions aren?t quite enough. Finding a little breathing room in your budget can relieve some of your money-related stress, and you might even be able to set aside more for your emergency fund, or for retirement. Here are some of the things you can do to stretch your income a little more each month. Trim the Fat Out of Your Budget Knowledge is power, and this is especially true when it comes to your spending. There are some estimates that say that the average household wastes 10% to 15% of its income each month. Even if you are wasting only 5% of your income each month, that can still be a pretty substantial amount. Honestly evaluate your spending, and see where the major money leaks are. T...
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How to Know if You?re Financially Ready to Have Children
2010-10-11 15:55:00
There are plenty of rewards to having children. One of many is the satisfaction of watching them grow up in your care. However, before you decide to have a child, you should make sure that you are financially stable enough to give a new baby the proper care it deserves. No one wants their child to grow up in a bad situation. Before making the decision to have a child, take a good hard look at yourself and your situation. Know the Raw Numbers: Do you know how much it costs to take care of a baby? Take into account the amount of additional money you will be spending on food and diapers at the supermarket each month. Then add in the clothes your child will need, the furnishings for their room, and all of the toys to entertain them. Finally, remember that they need frequent doctor visits when they are little and occasional doctor visits as they grow older. How it affects Your Income: Not only will babies cost you money just by existing, but they will also cost you money in the pric...
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How Flexible Holidays Help You Save Money on Traveling
2010-10-06 16:04:00
Everyone wants to travel but with the high prices of gasoline and flight tickets, not everyone can afford to travel for the various holidays they celebrate throughout the year. There are many holidays that families celebrate each year with one part of the family or the other. From Christmas to Kwanza to Hanukah to New Year?s to Mother?s Day and Father?s Day, there are so many reasons to travel during the calendar year to visit family and friends. Alternating Holidays One of the most effective ways to save money when it comes to holiday travel is alternating hosting holidays. If you come from a large family you more than likely know what this entails. Growing up you probably spent one Christmas at your dad's parents' house and the next Christmas at your mom's parents' house. Now that you are trying to save money as an adult you can do the same thing. Maybe your family can host everyone for a major holiday one year and then you can travel to someone else's house the next year. Th...
More About: Money , Save Money , Save

Is there still time to take advantage of the ?cash for appliance? program?
2010-09-29 20:04:00
The Cash for Appliances program followed closely behind the Federal Government?s "Cash for Clunkers" program. Funds were granted to consumers who purchased more energy efficient appliances as part of the President?s economic stimulus bill. Unlike the clunkers program, this one wasn't designed and administered by the feds who set aside $300 million to implement it. Participants who got the largest possible share of the rebate pot were the ones who took the time to research and understand what their particular state, retailer, local utility company and new-appliance manufacturer were offering.  Six U.S. territories were grouped with all fifty states to take part in the program. Each had exactly the same amount of money equaling roughly one dollar per resident. This means that no one state was more important than another was. Each state individually had the chance to design state administered programs that were within the general Federal Government guidelines. However, an ...
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Avoid Five Common Money Mistakes
2010-09-25 09:28:00
So do you have the perfect financial life? A constant flow of income, a sensible amount of savings, pay your bills on time and lucky enough to have some extra mullah to spend on some luxuries in life as and when you can. With the best f scenario that you have, you need to be careful about your finances, else your lifestyle could lead to a financial disaster sooner than you know. Here?s how you can keep from running into such problem and avoid such money mistakes which could lead to a disaster. Home Loans: With your interest rates at an all time low make sure you are getting the most out of your mortgage deals. Make sure your mortgage banker helps you in getting the most out of your loan and you continue to pay the monthly mortgage amounts to avoid running into problems. Credit score: It is important to have a great credit score. Life gets easier with a good score, whether you are buying a car, or a house or simply anything. It is almost like your passport to having your luxuries a...
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You Need To Start An Emergency Fund...TODAY!
2009-09-21 16:14:00
Major expenses have a way of coming along when you least expect them. A leaky roof. A sudden illness. A furlough or job loss. Such events can leave you scrambling for cash at a moment's notice.That's why you need to have an adequate emergency fund?an account apart from your regular savings that you can reach quickly when you need to. Having a "rainy day" account will save you from having to dip into your retirement savings and other long-range investments, or taking on high-interest debt.A common rule of thumb is to set aside enough for three to six months worth of living expenses. However, given today's uncertain economy and job market, you may want to stash away even more.So how do you figure the amount you'll need to stock away?First, add up your fixed monthly expenses?the ones that don't change from month to month. Include your mortgage and/or rent payments, insurance premiums, and property taxes. Then add in the average monthly amount of your variable expenses, including g...
More About: Today , Start , Fund , Emergency

10 Rules of the Rich
2009-09-15 20:01:00
1. Give yourself a raise. 10% of your net income should go on auto-deposit into your 401(k), IRA, health savings account, etc. Period. Stop whining, complaining or procrastinating. It?s tax deductible. Pay yourself now, or pay the IRS later. And if you don?t know how to invest, put it in a FDIC-insured savings or money market account while you educate yourself. 2. Be charitable. Tithe 10% to charity. Fuel your favorite cause with your cash and reap the benefits of helping your community, of networking with others who have like-minded goals and of the tax write-off! Pay your favorite charity now, or pay the IRS later. Every rock star, including Bono, Sting and Mary J. Blige, know the value of this! 3. Educate yourself, your family and others. Education is the single highest correlating factor with income. So invest in your education. Surgeons make more money than gardeners, and surgeons who have educated themselves about investing make greater gains than those who inve...
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Fresh Look at Mutual Funds
2009-09-10 14:39:00
Mutual funds get a fair amount of attention on Wall Street and many investors love them. Before you jump in, it's important to first read up* and understand the basics.What's a mutual fund by the way?A mutual fund essentially is a pool of money managed by a team of professionals. The Fund Manager invests the money in stocks, bonds, short-term money-market instruments, other securities or assets, or some combination of these investments, while maintaining the objectives and risk tolerance.What to like: * Diversification ? Fund managers spread the pooled money across many investments. This reduces the risk of losing all your money if one investment goes sour. Keep in mind that diversification does not assure a profit, or protect against loss, in a down market. * Professional management ? A real financial pro (or a team) decides when to buy and when to sell the securities held by the fund. * Divisibility ? Mutual funds allow investors to contribute round dollar amounts. This ma...
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The Good and Evil of discount vouchers
2009-09-05 14:46:00
There is a practice that is gaining increasing dominance in financial website circles recently owing to broke recession-suffering online shoppers looking for ways of saving money - discount vouchers.We've all seen the boxes at the checkout step that tell you to put in a discount code. After putting in the appropriate code, the fee of the item drops by 10% or further. When they initially appeared, the discounts seemed genuine, but with voucher code websites everywhere, one has to wonder whether these discounts are just marketing gimmicks.Lots of websites now publicise these promotional discount codes, allowing users to save on a plethora of branded goods and services, including fashion, financial services, books, CDs, DVDs, gifts, gadgets, travel, hotels, and restaurants. The offers range from a specific price to scaled percentage reductions to free delivery. Most websites also provide vouchers that you can print off and use to get discounts in high street shops, such as £20 in a po...
More About: Evil , Good , Good and Evil , Discount , Vouchers

7 Key Benefits to Using Prepaid Debit Cards
2009-08-23 16:39:00
Prepaid debit cards are similar to credit cards, but they require upfront collateral (cash) before you can use them. There are actually several benefits that come with using prepaid debit cards versus a traditional credit card.1. Perfect for College Students One of the easiest and most convenient ways to provide money for a student is with a prepaid debit card. You can set monthly limits that get reloaded at the end of the month, helping the student operate within the budget you specify.2. Safer Than Carrying Cash Like credit cards, if your prepaid debit card is stolen, you are protected. If someone takes your cash, you are not! 3. Helps You Better Manage Your Budget Since a prepaid debit card isn?t a credit card, it won?t allow you to make purchases on credit. Thus forcing you to stay within your set budget. 4. No Credit Check or Application A prepaid debit card, like the kind you can get from ACE Cash Express, uses upfront collateral, so there?s no need for credit ch...
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The Savings Experiment
2009-08-18 07:36:00
Today I would like inform you about a new website called "The Savings Experiment ". It is a part of AOL News and their main sponsor is Bank of America.The Savings Experiment website features a weekly video that examines a common money-saving idea and determines whether the benefits are really there.The Savings Experiment came about as a way to show consumers what things really cost, and where the real value is. The first two videos debunked whether or not you can save money by making your own ?fast food? tacos yourself (result: yes, sort of, but you?d end up making a whole batch of tacos vs. just making one), and whether homemade soda really makes good financial sense (result: it?s more trouble to make your own, but certainly cost-effective and more environmentally friendly).The Savings Experiment is running 10 experiments to see what things really cost, and where the real value is.Watch a new video each week, and get some extra cost-saving advice on the side.This week the video is ...

Pointers on Points
2009-08-15 07:36:00
So you decided to take the leap and buy the split-level house you always wanted? That's great. If you can put down a big chunk (20% plus), even better. You'll lower your interest rate and monthly payments and be that much closer to owning your home sooner. But what if you don't have the big down payment? Paying points is another way to potentially save.Let's talk points: * What is a "Point"? A point (as in 1 percentage "point") is payment made on the interest of the total loan at closing and typically paid upfront by the buyer (sometimes the seller). So, 1% of $100,000 = $1,000. With us so far? * When to pay them. Generally, points can lower the interest rate on your loan and save you some dough if you're planning to live in the house for 10 or 20 years. Less than 5 years? Probably not. Another plus? If it's a residential mortgage (new, not a refi), you can claim points at tax time. As always, make sure to consult your tax advisor for more information. * And when not. Obvio...
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Choosing the Right Broker
2009-08-10 07:38:00
How to find the right broker for you? Let's rule out the dartboard, first off. We can narrow your search to just 6 tasks that will help evaluate your needs ? and decide which broker fits best. * Evaluate your needs Investing experience ? Beginner, pro, or in-between? The answer tells you whether you'll need educational support (most beginners do) or more complex tools or trading choices (some pros do). Amount to invest ? Starting with $100 or $10,000? Do you plan to continue investing regularly, or invest lump sums when you have them? These answers indicate whether you'll eliminate some brokers for investment minimums. Investing strategy ? Watch the market closely and immediately jump on opportunities? Or invest slowly and steadily over time? The first requires real-time trading (buy/sell right now); the second can use dollar-based investing (more on that later). * Evaluate brokers Services offered ? Poke around their educational resources, tak...
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Getting the best home insurance deal
2009-08-06 17:58:00
Home insurance is one of the most important kinds of insurance that a family or individual can purchase. Because of the many disasters that can face a home, it is essential to have several different kinds of insurance on your home. Many people do not know their options for getting the best home insurance deal. However, with a few simple tricks and a little bit of shopping around it is possible to find the cheapest price for home insurance.Know your areaIt is important to know the area in which you want to get insurance. Some areas have higher insurance prices just because the homes are valued more or the homes are in a higher crime area. Areas with higher natural disaster ratings will also be more expensive. This is something that should be examined before any property is purchased. If you know the average pricing for insurance in your area then you will be able to make a more informed decision on what price for home insurance is a good deal.Consider common disastersSome insurance c...
More About: Insurance , Home , Deal

New Learners for the New Economy By Kirsten Olson
2009-08-04 17:55:00
While things are looking a little brighter, the economy still seems to be in a bit of free fall. (Except if you're at Goldman Sachs.)If you aren't looking for work yourself, you know someone who is searching for a job, who just graduated, or is tuning up their skills so they don't get permanently furloughed or downsized. What qualities do you need as a learner to adapt to our new economy? What learning attributes do employers seek in the flatter, fragmented, and constantly changing workplace? Based on a book I just wrote, it's clear many of the ways we were taught to be learners in school are directly in contrast to the qualities we need in today's economy and job market.Below are twelve critical "habitudes" of learners in the new economy. These habits and attitudes are critical to adapting to our new information-overload economy, thriving amidst constant change, and allowing you to enjoy your work more. Moving out of the old ruts of learning -- that it is boring, and that some...
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Summertime Money saving tips for your home
2009-07-27 08:28:00
I got these tips from Quicken and thought I should share these with you.If you?re planning on spending some of your well-deserved vacation time around the house this summer, check out these five simple ways to make the most of your days off. Inexpensive projects like these can add a whole lot of value and efficiency to your most important asset ? your home. Give Your Plugs A Tug. Here?s something you probably didn?t know: Plugged in toasters, coffee-makers, TVs and other electronic devices in your home actually use a small amount of electricity even when they?re not in use! By unplugging them when you?re not using these devices, you can save electricity and lower your utility bills.Go With The Right Light. Compact fluorescent light (CFL) bulbs are an easy way to make your home more environmentally (and economically) friendly. Although they?re a bit pricier up front, CFL bulbs last a lot longer than traditional bulbs and can save you about $30 each in energy over their lifetime.No...
More About: Money , Tips , Home , Saving , Summertime

How can I pay off my credit cards?
2009-07-17 12:57:00
Tips for cutting interest and slashing debtIt almost always starts out small. Maybe your DVD player conks out, and you don't have cash in the bank to buy a new one.That's what credit cards are for, right? Or there's a new CD you just have to have, and you don't have the 15 bucks with you. Put it on plastic. Gifts for your family at Christmas? Heck, it only comes once a year.As Wilma and Betty on The Flintstones used to say, "Cha-a-a-a-rge it!"Of course, if you're asking this question, you already know how to get into debt. What you want to know now is how to get out. Well, don't despair. It can be done.The following advice will show you how to lighten your debt load and keep you from getting weighed down for good. Know what you owe. If your credit-card and other debt payments are getting in the way of important life goals, such as buying a house, saving for your children's education or contributing to your retirement plan, chances are that you owe too much.Tackle your high-co...
More About: Credit Cards , Credit , Cards

Key Aspects of Adjustable Rate Mortgages
2009-07-10 10:36:00
When shopping for different mortgages and mortgage rates it is especially important to take the length and structure of the mortgage into consideration among other things.As the name suggests, an adjustable rate mortgage (ARM) is one with a fluctuating interest rate. While considered riskier than a conventional fixed rate mortgage, an ARM can provide numerous financial benefits for borrowers in certain situations. Therefore, before considering an ARM it is best to understand the key aspects of these mortgages and how they work. How ARM Interest Rate s are Calculated The interest rate on an ARM is linked to an economic index. In the US, there are six commonly-used indices, including the London Interbank Offered Rate, the Constant Maturity Treasury, and the Cost of Funds Index. The indices increase and decrease according to economic activity, and the interest rate on the ARM adjusts accordingly. Depending on the terms and conditions of each ARM, these adjustments might be made annually...
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So Many Shoes, So Little Money: A Girl's Guide to Finance
2009-07-09 07:43:00
New Book Helps Young Women Take The First Steps To Becoming Financially SavvyFor many young women, managing their money and understanding the basics of personal finance can seem daunting ? but it does not have to be, says veteran chief financial officer Lisa Serwin. In her new book, SO MANY SHOES, SO LITTLE MONEY: A Girl?s Guide to Finance (Booksurge/July 2009), Serwin uses shopping as a framework to help women get a grip on their personal finances ? from budgeting, saving, and investing to credit cards, taxes, and insurance. Fast-paced and funny, this insightful guide will appeal to anyone who loves to shop, but is overwhelmed when it comes to balancing a checkbook, staying on top of monthly bills, or planning for a secure financial future.?Think of the book as a closet filled with a variety of financial subjects instead of clothes and shoes,? writes Serwin, bringing her insights to life with witty shopping and fashion metaphors. For example, she compares credit cards to the ?l...
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Few Good Books on Investing and Personal Finance
2009-07-07 20:47:00
School's out. Still, lots of young students went home with "suggested" reading lists to keep them sharp all summer (sorry about that, kids). So what's on your summer reading list to keep you saving smart? Here are a few of our favs:* The Everything Kids' Money Book: From Saving to Spending to Investing ? Learn All About Money!, by Diane Mayr: From allowances to lemonade stands to lawn mowing, you and the kids will learn a little bit of everything about money ? making it, saving it, spending it wisely. There's plenty of money games, mysteries and history lessons to hold everyone's interest, too.* The Difference: How Anyone Can Prosper in Even the Toughest Times, by Jean Chatzky: Best-selling author and financial coach Jean Chatzky tells us how financially self-made people got that way (spoiler alert: it's not the lottery). She takes a timely topic and wraps it around everyday things ? like financial freedom strategies and other sound traits and habits to pick up along the way.*...
More About: Personal , Books , Personal Finance , Finance