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Girls Just Wanna Have Funds: Personal Finance Blog For Women Taking Charge Of Their Finances
Working Women And The Recession: What’s Next?
Many women have had to face the reality of either returning to work or working longer hours in order to make ends meet. This may be due to a spouse or partner losing their job, or their own job loss. But where does this leave working women during the recession? 2009...
Unemployment + Bad Credit UPDATE: States May Ban Credit Checks On Job Applicants
Remember this story? Most of you were fired up, and rightfully so. It’s a$$inine to bar someone to get a job because they have bad credit. This is why we have criminal background checks. Perhaps a remedy would be to give the person a mandatory personal finance...
You Need To Know: C-Sections, Hospitals And Your Insurance Company
Here’s the oxymoron of the day. If hospitals start telling obstetricians stop doing C-sections (or try to reduce them), that’s problematic for hospitals because they make money off them. So they are less likely to engage in C-sections because many hospitals are struggling to stay afloat. But get this, if...
Turbo Tax Snap Tax: Snap, Prepare and File + TurboTax Giveaway!
If you’re like me, then you dread filing your taxes in the face of the looming April 15th deadline. It conjures up thoughts of going through endless receipts, spending hours going through yearly expenses and W2s to reconcile everything for Uncle Sam. Well, there’s an app for that! Enter Turbo Tax...
Unplanned Expenses = Why You Need An Emergency Fund
Well, that should read why I ended one but I already have one. If you’ve been following my tweets then you know that my car was broken into today and they tried to steal the GPS and possibly the car itself. Police caught someone trying to break in my car outside...
Should Single Women Compromise Their Financial Requirements In A Potential Mate?
Surely you’ve seen the newest video or article going around discussing the single black woman’s plight around finding a mate within the black community. If you haven’t, read on, the overall comments on the subject will be interesting. After watching the video yesterday, the part that jumped out at me was...
Almost Frugal
Weekly Round-Up: On Not Saying No
One of my (many) problems is that I can’t say ‘no’. Not to when my husband suggests eating out, not to when somebody asks me to commit to doing something, not to myself when I want to buy a pretty whatever-it-is. It often leads to problems of stress, both from...
Why I’m Almost Frugal: An Introduction
Since it’s my first post as a contributor at Almost Frugal, I thought it was only right to first say hi, and what I’m doing here. My name is Nicole Ouellette and I started a personal finance blog around the time that Kelly started Almost Frugal. We initially bonded over speaking...
This is What Frugal Looks Like: The Green Gal
This is What Frugal Looks Like is a series that highlights different ways that people can be frugal in their lives- after all, frugality doesn’t have to be drastic or just about clipping coupons. Frugality can be fun and easy. Each respondent answers the same four questions. Today’s interview is with...
Tell Us Tuesday: Staying Motivated
I struggle with motivation in many areas of my life. It’s not just about sticking to a budget, it’s about my general tendancy to go gung-ho and then lose interest. I’m not the only one, thank goodness; Dave Ramsey talks about the need to maintain gazelle intensiveness, Oprah has talked...
My mother was here visiting for two weeks, to take care of the kids while they were on vacation. Then the two of us went to London with my daughter for a few days, leaving my two boys at home with their dad. It was the first time I had...
This is What Frugal Looks Like: Barbara Bryn Klare
This is What Frugal Looks Like is a series that highlights different ways that people can be frugal in their lives- after all, frugality doesn’t have to be drastic or just about clipping coupons. Frugality can be fun and easy. Each respondent answers the same four questions. Today’s interview is with...
Rich Credit Debt Loan
Managing Stocks in an Economic Crisis
2008 is showing all of the hallmarks of being a difficult year financially, and for this reason, having control over your cash flow is absolutely vital. Managing stocks in an economic crisis is one of the best possible defenses that you can take during the credit crunch. By monitoring the...
For many of us, spending comes all too easily and before long, we find ourselves at the bottom of a very big debt hole. However, there are ways that anyone can make a budget and start planning for their future. You may not even need to make drastic changes right...
Where Do Small Businesses Go Now?
Credit and money are still in really tight places, and this is absolutely no secret. What is unknown in the current economy is what small businesses should do and where they should go now. Many small businesses are finding themselves struggling and even drowning in an attempt to overcome the...
Successful Investing Tips and Techniques
The true, most basic motivation behind investing is to grow our investment. People who have invested before will take their time, looking at the differing companies and the market, trying to predict how a stock will do in a year or two. Those investors whom are without the experience to...
How to Create Alternative Income
If you're currently living paycheck to paycheck, or you would just like to have a little more financial security, the key is creating alternative forms of income. While to many people this means getting a second job, there are actually easier ways that you can start bringing in more money...
The Digerati Life
ETF Investing: Why Exchange Traded Funds Are Part of My Portfolio
If you’re a first time investor, it’s best to start investing with mutual funds. Mutual funds offer a simple way to garner near instantaneous diversification, the liquidity to buy and sell whenever you want (within limits), along with professional management. In particular, you should consider index funds for their...
Have A Cash Advance Payday Loan? Tips For Paying It Off
Imagine that you’re in a financial bind: would you be able to resist those ubiquitous ads around the web that entice you to “get a fast cash loan”? You may be one of those wondering how to get a personal loan in these tough economic times. These days,...
Vacation Pay for Unused Vacation Time? Plus A Suze Orman Event
For us residents in California, we’re used to seeing budget cuts applied to a lot of things. The financial crisis in California is particularly apparent when you see its effects on the public school system. Well, this article from my local paper just made me wince, because as...
Personal Savings from American Express Review
We’ve covered some of the best high interest savings accounts in the past, and I’d like to add a few more savings products to the list. While I associate American Express with top of the line credit cards, they actually also have a banking arm through which they’ve been...
Financial Retirement Planning For A Life Expectancy of 100
Some more retirement investing advice. So how long do you think you will live? I am thinking I will make it to age 81. Well, if I’m lucky. My grandmothers lived to be 88 and 93 so that’s pretty good. The men in my family have all passed in their 60s...
How To Remove Spyware, Malware or Any Computer Virus?
Would you know how to remove spyware, malware or any computer virus off your machines? Revanche of A Gai Shan Life shares her stories and questions on the matter of keeping one’s computer clean! For more of her delightful anecdotes on life and finances, you can subscribe to her...
Rate Ladder
Buy RateLadder.com, ProProsper.com, and P2PNoBank.com
I am offering for sale this site RateLadder.com (domain, content, and twitter account) and the domains ProProsper.com and P2PNoBank.com. Serious inquires only please. Email: kevin at proprosper (.) com if you are interested. Related Posts Group Leader Tools As I am new to being a Group...
TheCreditTruth.org offers up exactly what it advertises–the truth about credit, credit reporting and those “free” credit report offers found all over the Internet. The first thing you’ll notice about the well-designed site is the “Credit Report Bill of Rights” listed on the left. This “Bill of Rights” explains that you...
SpendonLife.com is an easy to navigate website offering your credit report and credit score instantly online. Through the website, you can access your credit information from the 3 major credit reporting agencies: Experian, Equifax and TransUnion. But more than just helping you get this information, the website helps with credit...
Shared Interest Launches on MicroPlace
From my email inbox: By Justin G. Moore A little over one year ago I started looking for new ways to diversify my investments. As the declining economy led to interest rate cuts on my regular savings and money market accounts, I wanted to find if there were other places to invest...
From Lending Club in my email: Dear Kevin, Since January 1, 2009 more than 11,000 new investors have joined Lending Club. That 122% increase brings the current size of our investor community to over 20,000 investors! To thank you for being an innovator in one of the fastest growing asset classes, when...
NYT > Your Money
Mortgage Modification Program Gains Traction
The Treasury Department said that more than 168,000 households had received permanent new mortgages under its modification plan. ...
Wealth Matters: No Federal Estate Tax, but What About Your State?
Twenty states have their own versions of the old federal estate tax. The many clauses and provisions mean that, even in the absence of a federal estate tax, you might not be able to die tax-free. ...
Your Money: In Most Cases, Best to Pass Up Overdraft Protection
Many bank customers are having to decide whether to ask for overdraft protection. Most should say no. ...
Its Own Advisers Oppose Consumer Role for the Fed
Some current and former members of the Fed’s Consumer Advisory Council say a watchdog agency doesn’t belong in there. ...
Would You Opt In to Overspending?
Do you want your bank to charge you extra when you overspend? ...
Taking Questions on New Consumer Laws
Our expert is taking questions on the credit card law and other new consumer rules and regulations. ...
FIRE Finance
Festival of Frugality #220 - The Minimalist Edition
[This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com).]Welcome to a minimalist edition #220 of Festival of Frugality. It's based on a theme of minimalism. Before we get started on the festival, you may want to checkout our current giveaway - "Get Financially Naked - How to Talk...
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FREE Giveaway - "Get Financially Naked" - How to talk Money with your Honey!
[This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com).]Welcome to our giveaway for March 2010. It's a simple but very useful book titled "Get Financially Naked: How to Talk Money with Your Honey."Don't be shocked by the title - it simply means we need to honestly talk with...
FREE QuickBooks Simple Start 2010
[This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com).]Quickbooks is offering a FREE Download for their product Simple Start 2010. If you have a small business with simple accounting needs then this tool might be a perfect fit for you. Simple Start is an easy-to-use free small business...
Have Fun with Evian Roller Babies
[This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com).]Today we found this amazing commercial from Evian featuring babies on roller skates. It's hilarious yet conveys a subtle message about the product. The technology used to simulate the babies motions with the music is mind boggling. The song is...
Top Traffic Generators for FIRE Finance - Jan 2010
[This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com).]Feb 25, 2010: January ushered in a new year which will hopefully be filled with niceties and abundance. The economy is not in good shape. Neither is the stock market. But with a positive attitude, we cheerfully hope that things will...
Forbes.com: Personal Finance News
Hiring Protection From The IRS
If you want a licensed and regulated tax pro, consider hiring an EA--someone who might even be an ex-IRS agent....
Metals Prices Face China Threat
Shipping rates indicate metals sell-off may be underway....
Time To Rethink That Cash-Back Credit Card
With rebate terms getting worse, consider a low-rate card instead....
Financial Crisis Books Beat Up Usual Suspects
Financiers, pols demonized; spendthrift consumers get free pass....
How To Build A Better Financial Planning Practice
Use these business metrics to ensure smart growth....
Banks Failing To Fess Up To Commercial Property Losses
Big risks not always well-disclosed in financials....
Bible Money Matters
Closing My Account With Bank Of America: Low Interest And Bad Customer Service
When we took the Dave Ramsey Financial Peace University class a year or two ago we started saving up our 3-6 months of expenses as is recommended in baby step 3 of the 7 baby steps. Over time we got our emergency fund fully funded up to...
Open A SEP IRA: Rules And Contribution Limits
If you’re a self employed person or are looking at taking the plunge and becoming an entrepreneur, one thing you have to consider is how you will save for retirement. Since you won’t have the option of a 401k, there are several other retirement account type options that you will...
Do I Need A Long Term Disability Income Insurance Policy? What Do I Need To Know?
Long term disability insurance is a type of coverage that not many people take advantage of even though stats say they will probably need it at some point. Here's a rundown of the different types of disability coverage....
Unautomate Your Finances: A New E-book To Help You Find Your Financial Focus
Over the past year I’ve watched as Baker over at ManVsDebt.com has had a meteoric launch to become one of the premier voices in the blogosphere in several different niches. He is a recognized personal finance writer, landing a staff writer position at one of the premier personal finance...
In Debt And Cannot Repay? Tips To Work With Debt Collectors
If you’ve missed credit card payments, or other loan payments consistently, your account may have been sent to a collection agency. Collection agencies contact debtors all the time and try to get payment, or to pay off on the loan. Some of them are fair in their practices and others are...
Ways To Make Extra Money Series: 20 More Income Generating Ideas From Our Readers
Over this past week we’ve looked at a variety of ways that you can create extra income for your family. Here’s a link recap of the posts in the series thus far: Ways To Make Extra Money Series: Guide To Diversifying Your Sources Of Income Ways To Make Extra Money Series:...
Intelligent Speculator
Tough and busy week on my end but it is finally the weekend and today I had an opportunity to get a lot of reading done around the Blogosphere finding a few good articles. The stock picks continue to do well and I will probably be doing a new pick...
Microsoft’s(MSFT) sold 422,000 Xbox units in February, beating Nintendo’s Wii & Son’y Playstation in a record month China says it is up to Google(GOOG) to settle the dispute with the government () Apple(AAPL) has started taking orders for its Ipad, buyers will receive it on April 3rd, 20000 being sold per hour Netflix(NFLX)...
New derivatives launching very shortly… bet on Avatar & others
Chances are that you are one of those that contributed to Avatar grossing over $2 billions at the box office, the most ever for any movie. One of the reasons that such high profile productions are rare is that since they are so expensive, they represent a risky bet for...
Quick summary of toda’s action for the names we follow Baidu initiated as Hold by Mirae Asset Securities Yahoo downgraded to hold by Clayton Moran Motorola to replace Google by Bing for its phones in China Microsoft Bing will sponsor the Simpsons Research in Motion will enter the Brazil market Eyeblaster ready for an IPO...
Top stock Picks: Currency ETF’s
We’ve discussed the current crisis in Greece and that has had a very powerful impact on the FX markets. There is an increasing amount of options available for FX investors that wish to use ETF’s. No surprise in the fact that a double short Euro ETF has the best return...
Some quick news from today for the stocks that we follow here: -Search market shares are out for February Google 65,5% (+0,1%) Yahoo 16.8% (-0.2%) Bing 11.5% (+0.2%) AOL 2.5% (0%) -Google opens app store (competition to Apple’s Itunes store?) -Google expects results in China negotations soon -Netflix(NFLX) rated as “BUY” by Cannacord Adams analyst Jeff Rath...
Fool.com Headlines
A Natural Gas Company Leaving Investors in the Dark
This is some seriously poor disclosure. ...
Every Shareholder Should Read This Now
Your financial future might depend on it ... ...
One Stock That's Better Than Gold
Where's the best place to invest as the dollar weakens? ...
Here’s why one investor doesn't think so ... ...
The Easiest Money You'll Ever Make
How to bank $410,000 doing next to nothing. ...
The Motley Fool's Weekly Editors' Picks
Three of the week's most educational, amusing, and enriching articles. ...
brip blap
linklings, small business energy edition
I’m jumping the gun on something I’ll write about more next week, but I attended a very interesting function this week. It was a launch party for a magazine in which I was a contributing writer, and most of the attendees were entrepreneurs, small business owners or reps of banks...
Without much effort, most of us can think of two or three large-scale tragic events that occurred in the last decade that shook us. The 2004 Indian Ocean tsunami, that killed over 200,000 people, springs to mind, or the recent earthquake in Haiti that may kill many more when...
Late in Bubelah’s first pregnancy, we stopped in at a bar after a visit to the doctor for a routine checkup. I had a beer and she had a seltzer. It was a mild winter day, mid-afternoon and we were savoring some quiet time together before the main event,...
linklings, sneezing leads to a CAT scan edition
I’m a bit late with this week’s link roundup (surprise) but I have an excuse. As I was driving to work for an early morning meeting on Tuesday, a heavy, driving rain broke out. The pitch black, heavy rain and early hour (about 6:30) would have been bad enough...
Here’s a financial lesson for anyone who participates in online social media of any sort. It’s a cautionary tale about online privacy; not the stalker-type issues that most people are worried about; instead, it’s about how you have to be careful to reveal too much online about business dealings. ...
Once you have an understanding of your own mortality, you either try to ignore it or you think about ways to avoid it. Ignoring it is easy for most people; the drone of American Idol or the smell of another Big Mac are probably all defense mechanisms against awareness of...
Money Relationship
Packing Lunch For Work Just Got Easier
Over the past two years of reading personal finance blogs, I’ve seen plenty of articles on packing lunches to save money. As much as I love the idea, I just couldn’t make it work. I absolutely HATED packing my lunch. Every time lunch rolled around, my sandwich was the soggiest...
Debt Update: February 28, 2010
February was a short month in terms of days but a big month for debt repayment. We managed to eliminate $2,532.86, our biggest month ever! This was in addition to replenishing our emergency fund (about $800) that was depleted from paying some estimated taxes in January. We feel great about...
Hey everyone, I just wanted to let you know that I’m alive and well. Over the past few weeks, not much has happened in our financial lives so I figured I wouldn’t bore you with random posts. I typically just sit here in my home away from home and talk...
January was a fairly good month for us. Even after depleting our emergency fund and them pumping it back up to $1,000, we were still able to pay off over $1,400 in debt. Also, keep in mind that the $1,400 we paid off is only the reduction of principal and...
Friday Feed Frenzy – The Debtor’s Mind
Well, it’s been a little while since I had a roundup so I thought I would get back in the mix. It’s tough for me to read as many blogs as I used to. I can’t read blogs at work like many other bloggers can. Frankly, it stinks. I feel...
Why We Use Mvelopes and How You Can Save 25%
I haven’t really talked about our budgeting system yet. I guess I’ve held back because we have a different situation than most (in not all) of you. Since I live in another state during the week, we need to be extra careful about our budget. Being away from each other...
Moolanomy Personal Finance
Does Investment Portfolio Diversification Still Work?
A common lesson from a children’s story book has become one of the guiding principles for investing: “Don’t put all your eggs in one basket.” But lately, I’ve come across a few articles where people are questioning the wisdom of diversification. Today, we are going to ask the question...
How to File a Federal Tax Extension
April 15 looms on the horizon. There may be any number of reasons that you are not prepared to file a tax return, from not having your dividend statements back, to waiting to get a home buyer tax credit, to straightforward procrastination. No matter your reasons, you can actually file...
11 Money Saving Tips for Parents with Babies
When it comes to money saving ideas, some people go way out of their way to save a dime while others casually use products that cost hundreds of dollars. For example, is it worth drying a piece of Saran wrap? Some folks (mostly from a previous generation) would put the...
File a Tax Extension Instead of an Amended Return
As April 15 inches closer, many are beginning to get their tax documents together and prepare to file their tax returns. However, there are many who don’t have all their tax documents by the requisite time, or who want a little extra time to make some savvy tax moves for...
How to Get In Shape and Save Money
Tired of spending money on things you don’t use or get very little results out of? I’m referring to your gym membership. Don’t get me wrong, I’m a big fan of gyms and love going to them, but when they cost an average of $33 per person per month, it...
How to Make Money Short Selling Stocks
Short selling is a strategy used to profit from stocks that are overvalued. As a short seller, you would borrow — remember, borrow, and not buy — the stock of a company that you think is overvalued and will fall in the near future. You then sell the borrowed stock...
Twitter / MoneyMatters
MoneyMatters: By 2020, total U.S. public debt will be $20.3 trillion -- an increase of 171% in just 10 years. http://bit.ly/8YKJnS...
MoneyMatters: In 2009 U.S. public debt totaled $7.5 trillion a sum equal to all the indebtedness accumulated from our 225 years in existence as a nation....
MoneyMatters: Just watched the new Star Trek movie. Not too bad.
MoneyMatters: Just watched the new Star Trek movie. Not too bad....
MoneyMatters: I just noticed that i got double charged at the restaurant last night when balancing my account. Ugh. I just shredded the receipt...
MoneyMatters: @FourPillars Thanks. We hope they are seeing things. If not, we'll cross that bridge then....
MoneyMatters: RT: @MattJabs: I'm just admiring how great @BudgetsAreSexy looks on Wordpress. Check it - http://www.budgetsaresexy.com/ <--looking good!...
Personal Finance Blog by Money Ning
Sorry for such a quick note the other day, but it’s been pretty busy times lately. Many wondered, and many more asked about them, so here are baby Sara’s pictures! Say Cheese! Baby Sara can’t wait to write to you. (Hmm, maybe a little early, but it never hurts to plan...
Budgeting to Save Money on Bills
They turn up in the mailbox every month, demanding your attention and your money. If you want to save money on bills you need to approach the problem in two ways. The first thing is to cut services you don’t need and the second is to find ways to get...
What is the Ideal Investment Mix? – Money Mailbox
A few weeks ago, I started asking readers to submit their money questions in case they wanted a second opinion on their dilemma. If you have a question you would like answered, you can just contact me. My name is Ken and I am turning 23, single. This year, I felt...
Change Your Vacation Style to Save Money
Vacations provide an escape from reality. They give us the opportunity to step outside our daily routine and relax in a new environment. One week a year we book the fanciest hotel, go to the big name restaurants, and splurge on the ultimate activities. Then, in 2009, came the staycation....
How to Use a 529 Plan to Improve College Savings
It used to be that saving for college was a relatively simple process: if you wanted to save for your child’s college education, you put money away wherever it was convenient. Now, though, there are several types of specific savings plans that offer you benefits that your old coffee can’t...
Should You Cash in an Annuity or Monthly Settlement Payment for a Lump Sum?
In these financial times, many people are looking for ways to get a little more cash — usually in lump sum form. The thinking is that a lump sum could pay off debt, or cover medical bills. For those receiving some sort of settlement payment, or receiving annuity payments, it...
Don't Mess With Taxes
Census follows costly rebate mailing route
Thank you very much Census Bureau for the letter that arrived in our snail mail box last week alerting us that in another week or so, we'll be getting more mail from you. This next delivery will be a 2010 Census form which, encourages the announcement letter, the hubby and...
Mississippi tax tidbit: casino tax
Mississippi added a new revenue source in 1990 when the state passed the Gaming Control Act legalizing dockside casino gaming. The counties that border the Mississippi River or the Gulf Coast can legalize gambling. Currently, the state is home to 30 dockside casinos and an inland casino on a Choctaw...
The hubby and I itemize our tax deductions. We are in the tax-filing minority. Most taxpayers claim the standard deduction. The good news for these folks is that there are several possible tax write-offs right on Form 1040 and a few on the 1040A, too. Plus, over the last few...
That was IRS Commissioner Shulman's assessment in January, when as part of a wide-ranging interview on C-SPAN he revealed that he hires someone to file his returns. The admission came during a discussion of the IRS' oversight of tax preparers. In response to the question (at 10:27 of the overall...
Minnesota tax tidbit: federal add-backs
One of the challenges of filing state income tax returns is figuring out how your state deals with federal law changes. This filing season, Minnesotans need to pay close attention to such differences as they file their state taxes. Several widely publicized federal tax breaks that are sure to be...
More, and more well-off, tax filers are not paying any taxes
As millions of us are staring down April 15, the big question we have is how do we pay Uncle Sam as little as possible? Some folks have that answer totally figured out. One-third of individuals who last filing season submitted a 2008 return paid no tax whatsoever, according to...
Earn What You Spend
Learning, leverage, and the coming change in education
Institutions of learning are going to be dramatically changed in the coming years. Rolfe Winkler is an astute blogger, and he (along with many others) sees a parallel in the markets for housing and higher education. We have students (homeowners) purchasing an education (housing) at ever increasing prices using vast amounts...
Once you think about any topic for long enough, you begin to develop a personal philosophy about how it works. This could be your perspective of how to best throw a baseball, how to make the perfect souffle, or how to best tackle a sudoku puzzle. I happen to think about...
Weekend Reading, 8/16: Education & Health Care
There were too many good articles to post only to Twitter. The WSJ examines why renting is the new American dream. I agree. Homeownership, while certainly a nice thing, is not necessarily better than renting, and there is not a strong case for promoting one method of consuming shelter over the...
View from my recession: Brooklyn car service
As you may know if you read this blog, I live in Brooklyn, New York. Although the subway is my primary means of transportation, I occasionally indulge in using a car service to get to the airport or during exceptionally rainy days. This is not, as those who live in...
A collapsed economy has many implications, one of which is a rather drastic uptick in the personal savings rate of most Americans. This is entirely logical: unemployment is up, wages are down, virtually every asset we own has lost value, so Americans are spending less than they used to. We...
I recently bought TIPS - Treasury Inflation-Protected Securities - for the first time. All the talk about looming hyperinflation was beginning to alarm me, and given a recent conversation with a friend who professionally manages money, it seemed justified. Alan Blinder’s article in the NYTimes was all the more interesting: inflation,...