Everything Finance Everything Finance I spend a lot of time looking for money saving tips, finding ways to make more money, simplify my life with websites and software, and, last but not least, work on becoming a successful homeowner. Articles
Discount on car insurance for being married?
2012-01-05 06:42:00 Discount on car insurance for being married? is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!Get a free mortgage quote! More About: Insurance , Car Insurance
Tax Due Dates for January 2012
2012-01-04 18:02:00 Tax Due Dates for January 2012 is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!January 10 Employees - who work for tips. If you received $20 or more in tips during December, report them to your employer. You can use Form 4070, Employee’s Report of Tips to Employer. January 17 Employers - Social Security , Medicare , and withheld income tax. If the monthly deposit rule applies, deposit the tax for payments in ...Get a free mortgage quote! More About: Taxes
Finding an Accountant if You Are a Blogger
2012-01-04 06:06:00 Finding an Accountant if You Are a Blog ger is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!If you are a blogger, you may have started your very first blog just to get your thoughts down and hope that someone, somewhere would read. Maybe at first, you only had a handful of visitors, perhaps many of them family members. However, little by little, through networking effort on your part, your little blog ...Get a free mortgage quote! More About: Taxes , Passion , Endeavor
Everything Finance Monthly Round Up ? Kim Jong Il is Dead Edition
2012-01-03 14:01:00 Everything Finance Monthly Round Up – Kim Jong Il is Dead Edition is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!The end of 2011 offered some interesting political developments. The North Korea n leader, Kim Jong Il, died on December 17 and was buried on December 27th. There is much speculation about his 27 year old son, Kim Jung Un, and whether he has the maturity and experience to lead a country with nuclear power. Hopefully, ...Get a free mortgage quote! More About: Google , Page Rank
Recycling Christmas ? Five Christmas Items to Save that Will Save You Money
2011-12-29 21:50:00 Recycling Christmas ? Five Christmas Items to Save that Will Save You Money Next Year is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!I love Christmas, but it can be a time of materialism and a time where you are just overwhelmed with too much stuff. Here are five ways and ideas on what to save this year, so that next year you have a frugal holiday. Curling Ribbon as Confetti: My family was never big into celebrating ...Get a free mortgage quote! More About: Recycling , Cost of living
Lessons learned from Christmas Spending
2011-12-29 04:17:00 Lessons learned from Christmas Spending is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!Did you go overboard with your Christmas spending this year? I know I did. Every year, I vow to stick to a budget for Christmas. Every year, I fail. My problem is not just spending money on presents, but also all the extra spending that is done throughout the month, such as eating take-out a ...Get a free mortgage quote! More About: Shopping , Credit Cards
What To Do If You Owe Taxes but Don?t Have the Money to Pay
2011-12-28 06:24:00 What To Do If You Owe Taxes but Don’t Have the Money to Pay is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!Every year, the deadline for Americans to file taxes is April 15th (unless the day falls on a weekend, then the deadline will be extended by a few days). Yet, year after year many Americans scramble to pay their tax bill. Even if you file an extension to submit your taxes, you are still responsible ...Get a free mortgage quote! More About: Ideal , Interest Rate
10 Ways to Help You Say Goodbye to Credit Card Debt
2011-12-22 19:39:00 10 Ways to Help You Say Goodbye to Credit Card Debt is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!Credit card debt is easy to get into and difficult to get out of. Credit cards make it easy to spend more than you have; purchase items you don?t really need, and can give you a false sense of financial security. Many of us carry credit cards in fact according to the Survey of Consumer ...Get a free mortgage quote! More About: Credit Cards , Ebay
Do You Need to Pay a Nanny Tax This Year?
2011-12-21 05:20:00 Do You Need to Pay a Nanny Tax This Year? is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!In today?s fast-paced society, more and more busy professionals are relying on others to help them with their child care, house cleaning and lawn maintenance. Many of these service professionals are paid in cash throughout the year, but what happens come tax time? If you hire someone to come to your home and help you ...Get a free mortgage quote! More About: Taxes
7 Best Car Insurance Discounts
2011-12-20 13:40:00 7 Best Car Insurance Discounts is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!It is well known that drivers can save money on their auto insurance by driving responsibly, keeping a good credit score, and getting good grades in school. But what are the top auto insurance discounts? In this regards, we make our picks for the drivers who qualify for one of the 7 best car insurance ...Get a free mortgage quote! More About: Car Insurance , Auto Insurance
How to Save Money as a Wedding Guest
2011-12-19 19:32:00 How to Save Money as a Wedding Guest is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!I do not know if this is just happening in my life or in everyone?s life, but it seems like the wedding bug has been biting everyone and anyone. While I am so happy for friends and acquaintances to get married, it can add up in costs. Between the costs of shower gifts, wedding gifts, ...Get a free mortgage quote! More About: Save Money
Good News in the U.S. Housing Market
2011-12-19 07:00:00 Good News in the U.S. Housing Market is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!The U.S. housing market might have some good news, Reuters reported on Sunday. It seems that for the first time since 2005, U.S. residential construction might be expanding a little next year. It might, in turn, add a little to GDP growth in 2012. It would add not much, of course, but it would complement ...Get a free mortgage quote! More About: Economy , New Homes
Oil Prices Drop
2011-12-15 07:00:00 Oil Prices Drop is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!On Wednesday Reuters reported that oil fell more than 4 percent. This indicates the biggest drop in over two months. In London, ICE Brent crude for January delivery settled at $105.02 a barrel. This price is $4.48 (or 4.09 percent ) less than it was in the beginning of October. NYMEX January crude settled at ...Get a free mortgage quote! More About: Commodities , Bonds , Target , Million
H & R Block Opt Not to Offer Refund Anticipation Loans This Tax Season
2011-12-14 06:47:00 H & R Block Opt Not to Offer Refund Anticipation Loans This Tax Season is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money! In 2010, H & R Block was the leading provider of refund anticipation loans (RALs). These loans are provided by a tax preparation company after they have filed a consumer?s taxes and essentially ?loan? the consumer their own tax refund in return for the consumer to pay hefty interest rate of approximately 24%. There is ...Get a free mortgage quote! More About: Taxes , Chicago Sun Times
Online Spending Stays Strong
2011-12-12 07:00:00 Online Spending Stays Strong is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!ComScore reported on Sunday that online spending remained strong in early December. Usually early December indicates a quiet period in the U.S. holiday shopping. This year seems to be an exception. Consumers spent $5.9 billion online during the first week in December. It is 15 percent more than last year. Earlier in the holiday season, ...Get a free mortgage quote! More About: Christmas , Shopping , Ebay , Online
Five Resolutions for a Smaller Grocery Budget ? Part 2
2011-12-09 18:28:00 Five Resolutions for a Smaller Grocery Budget – Part 2 is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!Last week, I wrote about two of five grocery goals/resolutions that will help you save money on your grocery budget in 2012. Of course, these simple tips will also help you eat healthier and possibly even lose weight too. What a great way to start off the year! Here are three more goals to keeping ...Get a free mortgage quote! More About: Shopping , Goals , Credit Card
European Summit: High Hopes and Possible Downgrades
2011-12-08 07:00:00 European Summit: High Hopes and Possible Downgrades is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!European nations are supposed to vote this Friday on an agreement that was worked out between Germany and France. The agreement hopefully will tighten fiscal controls for Euro zone countries. Hopes that the Euro zone will figure out long-lasting solutions to its sovereign crisis prevailed on Wednesday, inspiring more buying and pushing stocks to a ...Get a free mortgage quote! More About: European Union , Dow Jones , European , Deutsche Bank
10 Ways You Might Want To Use Your Tax Refund
2011-12-07 06:10:00 10 Ways You Might Want To Use Your Tax Refund is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!Despite the complaints about high taxes, tax rates are low. According to the non-partisan Tax Policy Center, ?In 2009, roughly 47% of households, or 71 million, will not owe and federal income tax.? There aren?t statistics available, but I would love to know how many people simply get their refund and spend it all on ...Get a free mortgage quote! More About: Credit Card Debt , Taxes , Unemployment , Households
Everything Finance Monthy Round Up ? ?Black Friday? Edition
2011-12-06 19:47:00 Everything Finance Monthy Round Up – “Black Friday” Edition is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!Black Friday 2011 was marked by earlier store openings, more violence among consumers seeking out sale items, and an increase in sales over last year’s Black Friday by more than 16%. Cyber Monday 2011 was also a success. Does all of this shopping represent an increase in consumer confidence and the beginning of a strong ...Get a free mortgage quote! More About: Shopping , Morality
Unemployment Rate Goes Down. Stocks End Flat.
2011-12-05 07:00:00 Unemployment Rate Goes Down. Stocks End Flat. is a post originally published on: Everything Finance - Everything Finance - A Good Personal Finance Blog - Its all about Money!The U.S. jobless rate dropped to a 2.5 year low at 8.6 percent. This drop in unemployment supported the view that the U.S. economy most likely will avoid another recession. Some analysts said that the drop in the unemployment rate might be evidence that the recovery is, finally, gaining momentum. The U.S. government said that ...Get a free mortgage quote! More About: Benchmark , Europe , Economy , Unemployment
Is it Safe to Invest in the Stock Market Now?
2010-10-27 06:00:00 It's no surprise that when you mention investing in the stock market to a co-worker, friend, or even your significant other that you often see a look of dismay. Can you blame them? The last few years have been extremely tumultuous and there is a certain level of uncertainty looming around all who speak about putting your hard earned dollars into the stock market. Here are some great examples of why you should invest in the stock market and hopefully they will put you at ease when it comes time to reach into your pocket book.Exchange Traded Funds - Exchange Traded Funds, more commonly known as ETF's are a great way to get into the stock market. The best features of ETF's are the diversification they offer. By spreading your risk your portfolio is able to withstand ups and downs and overtime you have excellent potential for moderate growth. On my website I have a 2 part article explaining the detailed benefits of ETF trading and also a sample portfolio to get new investors sta... More About: Stock Market , Market , Stock , Invest
Taking a critical look at your finances before trying to get pregnant
2010-10-26 16:44:00 Before you decide that it is time to start trying to conceive , and add a baby to your family, you are likely to go through a mental or actual checklist and read up about fertility and general health. You might well start using an ovulation calendar , get to know your menstrual cycle, and buy ovulation predictor kits. But have you taken a critical look at your finances?Babies, in my humble opinion, can be as cheap or expensive as parents want them to be. But the bigger financial picture does matter. These are some factors that I think every couple should think about before they ditch the birth control pills. Do you have medical insurance? If not, it is time to get some. Pregnancy and birth are costly events, and you want them covered. If you do have an insurance policy, you might want to investigate whether it covers the type of care that you want during pregnancy. If you want to give birth at a freestanding birth center or at home, this is especially important as not every insuranc... More About: Finances , Pregnant
Investment in gold and other precious metals is gaining popularity
2010-10-25 14:52:00 Bonds and stocks were considered to be a reliable method of investment since the past several years, but the recent economic uncertainty has caused a lot of investors to reconsider their investment plans. Even though some people consider that bonds and stocks might still be a better option to invest in, because of the consistent return on investment in the form of dividends etc, you might want to consider new forms of investments and re-plan your investment strategy.Investment in gold and precious metal has been explored and advocated by investment experts including Peter Schiff, who prefer them over paper currency and paper investments. The way you can invest in precious metals is by purchasing coins, bullion or solid bars made of tangible metal. Financial experts also recommend investment in tangible metals and they also recommend that a diversity of metals should be invested in, such as platinum, silver and gold. Bullion or solid bars of unadulterated metals should be bought, and... More About: Gold , Gaining
Avoiding Money Transfer Frauds
2010-10-24 16:29:00 Money phishing, scams and hacking are a common occurrence in today?s technologically advanced world. Recent reports show that there is a significant increase in money transfer frauds and a vast amount of victims are of the younger generation. According to industry research 18-24 year olds are losing an average of £1036 compared to £640 across all age groups.With the access through social media platforms such as Facebook- scam artists are finding simple and more targeted ways to approach the younger generation and especially students. Scam artists are sneaky and very devious so be aware of their approach as it may seem quite sincere.Follow the tips below to ensure you don?t become a victim of the Fraudster.The first thing to think about is responding to an email that you may have received. A common scamming email would be , ?Hi, your Friend Hailey Briggs is stuck in Thailand and has asked me to get in contact with you as she desperately need funds transferring to her bank account as... More About: Money , Money Transfer , Transfer
Are Student Loans Worth the Debt?
2010-10-23 10:41:00 This is a very difficult question to answer. These days, it seems like it?s almost impossible to get a foot in the door without first earning a degree. And you definitely can?t expect to advance beyond a certain point without one. On the other hand, cutbacks in state funding have swept the nation during the recession, causing most schools to raise costs left and right in an effort to keep facilities and staff in operation. Although most states have limits on percentage of increase for tuition, schools have been able to skirt the laws by adding all kinds of fees that never materialize into actual useable goods and services for the students who pay them. And what is a degree really worth these days anyway? Will spending a ton of money on your higher education even result in a job that will allow you to pay for said schooling?These are all valid questions that every student should be asking as their parents shove them towards college. Think long and hard about what you want to d... More About: Student , Loans , Student Loans , Debt , Worth
Avoiding Common Tourist Traps: How to Save Money While Traveling
2010-10-22 19:21:00 Vacations are supposed to be an escape from our real world of responsibility. We take time off from work or school, we leave behind our daily chores, and we spend time with our family, friends, and/or loved ones in an atmosphere of intoxicating relaxation. Unfortunately, although much of our responsibilities do pause for a few days or weeks, we are still spending money, often spending much, much more than we usually do because our money-saving guard is down. This is precisely how the tourist industry operates--it makes oodles of money off the presumption that you will be spending more money than you usually are willing to. But if we are just a little mindful of common tourist traps, we can avoid making vacation time into an unsuspected money drain. Here are a few tips. 1. Don't eat out every night. Enjoying the culinary culture of a different location away from home is all part of the delight of traveling. However, if you do it for every meal, it'll add up to a pretty hefty ... More About: Money , Save Money , Common , Save
How to Negotiate When Buying a Home
2010-10-20 10:36:00 The dream of home ownership is one that plagues many adults. Paying into a rental, month after month, may be cheaper in the short term, but over the long haul you can begin to feel like you?re simply flushing money down the toilet that could be going towards an investment in your future. But buying a home is no easy feat. Somewhere between the home you want and the loan you can get is a house that is right for you (or at least for right now), and it can be very tricky to navigate the shark-infested waters of the housing market. First, there are the previous owners, who no doubt want to get as much value from their home as possible. Then there are real estate agents, who may tell you just about anything in order to get a commission. And of course, you will have to deal with loan agents, who must look out for the best interest of their lending institution (not to mention whatever kind of bonus they?ll be getting). In short, it pays to know what you?re up against and actively pu... More About: Buying , Home
Why You Need to Start Automating Your Finances
2010-10-19 13:54:00 This guest post was written by Go Banking Rates, bringing you informative personal finance content and helpful tools, as well as the best interest rates on financial services nationwide. Do you ever feel like the available technology in banking and finance is growing at a pace that's too quick to keep up with? Do you refuse to participate in automated banking because you wouldn't even know where to start? It's easy to feel lost in a world where your iPhone can deposit checks and your computer seems to know more about your financial situation than you do. However, you really are missing out on some serious benefits to automating your finances. There are a few relatively easy things you can do to set your money on autopilot and reap instant rewards--you don't even need an overpriced cell phone to do it. Never Pay Another Overdraft FeeHow much have you spent in bank fees since you opened your checking account? Probably more than you'd care to investigate. Between paying for ... More About: Finances , Start
Getting Motivated to Get Out of Debt
2010-10-19 10:34:00 Debt is an unfortunate side effect of living in a consumer society that many adults must face, and even more so during a recession. Most of us carry unbelievable debt in loans, whether from college tuition, home ownership, purchasing cars, or a variety of other reasons. In a way, these are acceptable forms of debt because they come with an inherent promise of repayment. A college degree, while expensive to attain, is bound to pay off with better job offers and higher earning potential. A house and cars are material possessions that can be insured against damage and eventually sold (hopefully for a profit). These items are all calculated risks, which is why banks are willing to loan you money for them. Credit card debt, on the other hand, is a different beast entirely, one which can ruin you financially because of crippling interest rates and nowhere to turn if you don?t have the money to pay them off. Of course, getting out of debt isn?t just about having money. Many of the r... More About: Debt
How Much Do You Need in an Emergency Fund?
More articles from this author:2010-10-17 07:14:00 Sometimes, everything will be going great ? You?ll have an amazing job and a surplus of money every month. Then, suddenly, the unexpected happens (as it is prone to do) and you need some extra cash to get through it. Making an emergency fund will make the ?hard times? much easier to deal with. But where will it come from? How much do you need? This is all entirely dependent upon your current living situation. Evaluate your Expenses: Figure out how much it costs you to live every month. How much is rent and utilities each month? How much money are you consuming in food? What sort of commuting costs are you looking at? What about the less-frequent expenses (such as doctor appointments)? Although figuring out all of this may be tedious and frustrating, it will only benefit you in the long run. Should you lose your source of income, you will know exactly how much money you need in order to survive without it and how many months you can afford to do it for.Set Priorities: By limiting you... More About: Fund 1, 2, 3, 4, 5, 6, 7 |
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