Personal Finance

“Support the Troops” has been a glorious rallying cry from every corner of our society the last few years. People tend to be very vocal about respecting the efforts made by our men...Read the Rest »
“Support the Troops” has been a glorious rallying cry from every corner of our society the last few years. People tend to be very vocal about respecting the efforts made by our men...Read the Rest »
about 3 hours ago
Having just thrown a party for my son’s 1st birthday, I now completely understand a parent’s desire to throw the biggest, best, and most amazing birthday party for their favorite little person. As exciting as party planning can be,...
Having just thrown a party for my son’s 1st birthday, I now completely understand a parent’s desire to throw the biggest, best, and most amazing birthday party for their favorite little person. As exciting as party planning can be, it can also be stressful when you have to factor in that one annoying detail: the budget. You might have the most genius ideas to make your kid’s birthday the best ever, but they may not be entirely realistic given your budgetary constraints. I knew I had gone overboard when I mentioned to my husband that I wanted to hire a fireworks company to launch a blast worthy of the Fourth of July. My husband thought that was a bit over the top, especially for a little man who wouldn’t remember any of it. I told him I’ll hold off on the fireworks…at least until his 5th birthday. If you are faced with a similar dilemma of wanting your kid to party like a rockstar (without breaking the bank), here are my best tips on how to save money while still throwing a super fab party. Party Decorations Go to the dollar store and get inexpensive party decorations and party favors. Crepe paper is cheap but effective way to set a festive mood, so go crazy with it. Party Food Don’t order pizza — make your own! It’s delicious, healthy, and a fun activity for the kids. Do the math. If you have coupons for a restaurant that can cater run the numbers to see how much it would cost per person. Is it cheaper to have the party catered instead of buying all the ingredients and slaving in the kitchen for days beforehand? If you love baking and making your kid a homemade birthday cake is an important tradition for you then by all means go for it. If not, then price around your options. I actually saved big on my son’s cake by having a local culinary school make it. Sure it was made by students, but I was perfectly pleased with the results and I saved a bundle in the process. Party Games Make them up. Kids will have fun doing most any competitive game that lets them win a cool prize. For my son’s party I hid a little ball in three different boxes and had them chose which box the ball was in. Another game I had them play was to guess how many cotton balls were in a large jar. By the way, you don’t have to use cotton balls — it would probably be even more fun with candy, but I’m cheap and the kids didn’t need more sugar. Regardless of what party games you play, just be sure they are age appropriate so the kids don’t get bored. Oh, and the prizes? They can be something simple from the dollar store. Activities Skip expensive one-stop-shop party places! If the party will take place during warm weather, consider having it at a local park. You may have to play a small fee to reserve a shelter with picnic tables but the kids will play for hours on the playground equipment. If you’ve got a fun backyard, that can be the perfect location for the party. A swing set, lots of room to run around, a kiddie pool (depending on age), and maybe even some sprinkles to run through will all keep the kids busy and having fun. Kelli Bhattacharjee runs the blog, FreebieFindingMom.com, which offers the hottest freebies, coupons, bargains and money saving advice. Kelli shares several of her best savvy money tips in her free ebook titled, Saving Beyond the Coupon.
about 4 hours ago
Shutterstock Millions of Americans gear up for Memorial Day with plans to take a relaxing trip over the long weekend. If you’re preparing for a holiday weekend away, be sure to carefully secure your home before leaving, as it’s imp...
Shutterstock Millions of Americans gear up for Memorial Day with plans to take a relaxing trip over the long weekend. If you’re preparing for a holiday weekend away, be sure to carefully secure your home before leaving, as it’s important to safeguarded against burglars. It’s easy to get caught up in what to pack, how to pack or how much money to travel with. Locking the front door or enabling the alarm system alone is just not going to cut it. With petty larceny and quality of life crimes on the rise your house or apartment if left in a vulnerable state, may make you the victim of such crimes if safeguard measures are not in place prior to your departure. “You really have to exercise common sense when you go away. Even though violent crimes are down, other crimes have seen an increase in activity. One thing I like to tell a client is to get your neighbor to collect your mail for you while you’re away,” said Sherwood Muhammad, President of Nature’s Finest Security. If that’s not feasible residents can choose the option of having their mail held at the post office for the time they’re away and can pick it up upon their return. “If a potential robber sees that the resident isn’t picking up their mail, they assume no one is home. Potential burglars will monitor and watch how much the mail or newspaper deliveries are piling up. Also, if you have a dog on the premises of the home a burglar is about 80% likely not to break in,” he adds. The key is creating an illusion that someone is home. “When my wife and I go away, we keep both cars parked in the driveway so people will think we’re home. In this case we will also make sure our cars are locked and make sure the car alarm is enabled.” In addition he suggests that keeping appointments with utility companies and not canceling any utility bills may also deter would be intruders. “Motion sensors are a good idea to have in the home and there is also an iPad application that allows you to monitor your home through closed circuit television no matter where your location is.” These gadgets and apps may cost more but the investment could be well worth it in the end. Create a checklist with the following tips that can help keep your house safe: Ask a trusted close neighbor or relative to check up on your house periodically. Make sure all curtains are drawn, so that no one can see inside. Disable icons on your phone that show your location while away. If you have a garage make sure it’s locked. Keep the door that leads into the house locked. Don’t post on social media informing everyone you’re going away. Make sure all windows and doors are locked: keep a light on in the house or a porch light. Make sure all basement doors and attic windows are securely locked. A displayed sign of your security system in plain sight is always a good idea. Take a look at the top 5 gadgets that may help deter burglars. Top 5 Gadgets that May Deter Burglars Related Stories: Life Hassle-Free: 11 Must-Have Apps of 2013 5 Frugal (and Delicious) Ways to Celebrate Memorial Weekend Going Away This Weekend? Steps to Safeguard Your Home
about 4 hours ago
Flickr With Memorial Day right around the corner there are plenty of deals to take advantage of. We researched and found lots of deals from retailers, hotels, museums, and events happening around local communities. This Memorial Day week...
Flickr With Memorial Day right around the corner there are plenty of deals to take advantage of. We researched and found lots of deals from retailers, hotels, museums, and events happening around local communities. This Memorial Day weekend you’ll be able to travel and eat for less, shop for less, and take in some cultural events for  free. Deals aside, we will all be taking a moment this Memorial Day to remember the men and women that died serving our country and focus on keeping the spirit of the holiday alive. So if you’re ready to see what Memorial Day deals we found, click to begin our slideshow. Related Stories: Money Chat: Living Below the $1.50 Poverty Line Gas Prices To Drop This Summer: 5 Things to Know for the Week How Much Should You Spend On A New Car? 16 Memorial Day Deals & Discounts!
about 4 hours ago
When I buy household products, I look at the cost per unit before everything else. I try to figure out the cost per ounce, the cost per bag, and so on whenever I examine an item. Usually, my comparisons end up looking at the cost of the...
When I buy household products, I look at the cost per unit before everything else. I try to figure out the cost per ounce, the cost per bag, and so on whenever I examine an item. Usually, my comparisons end up looking at the cost of the item at our local warehouse club versus the cost of the item when it’s on sale at our local grocery stores. Usually, the warehouse club is cheaper on most household goods, but sometimes a great sale at the grocery store can bump that cost lower. Lately, though, I’ve been looking at the Subscribe and Save program offered by Amazon. This is a program where you can choose to “subscribe” to household goods and, then, once a month they’ll package them up and ship them to you based on your subscription. So, let’s say you “subscribe” to diapers on a monthly basis, shampoo every other month, and toothpaste every three months. On the first, fifth, seventh, and eleventh months of the year, you’d just get diapers. On the second, fourth, eighth, and tenth months of the year, you’d get diapers and shampoo. On the third and ninth months of the year, you’d get diapers and toothpaste, and on the sixth and twelfth month, you’d get all three items. Their system handles all of this scheduling for you – all you have to do is subscribe to the individual item you want. If you subscribe to just one item, you get a 5% discount off of the price. If you subscribe to five or more items, you’ll get a 15% discount off the price. It’s at that 15% discount rate that the price of these items becomes really comparable to what I can get around here. So, I started shopping their “Subscribe and Save” section to see what I could pick up that would actually beat my warehouse club at the 15% discount level. I just moved through our list of household supplies that we buy regularly – shampoo, toothpaste, garbage bags, and so on – and I compared them directly with the price at our local warehouse club. If I couldn’t find an exact match, I’d calculate cost per unit using the calculator. As I looked, I couldn’t help but notice that most of the items were cheaper at my warehouse club even at the 15% discount level – but not all of them. The problem is that it takes five items to reach that level – and without that 15% discount, I couldn’t find any items that I couldn’t get at a lower price locally. Another challenge is the need for refills. What if you run out of something in the middle of the month? You can request that they ship the item early, but then you have to pay for shipping on that faster item. To avoid that, the best route is to simply get them a bit more frequently than you’d use them, but then you build up a bit as they arrive faster than your consumption rate, meaning eventually you’ll have to de-subscribe. Still, after a long period of searching, I did find five items that we use regularly that are less expensive on Amazon with the Subscribe and Save discount than I could find locally, so I subscribed. Once the subscription was in place, it was really convenient. The items arrived like clockwork, so I had no need to pick them up at the grocery store. I did end up building a backlog of some of the items, so I had to change the delivery schedule, but that was easy enough. Overall, I saved money, but on occasion, I would see local sales that would trump the value of the “schedule and save” system. I would have saved money waiting for those sales. On the other hand, watching for those sales takes time, as you have to watch flyers every week to catch those sales. So, what’s a person to do? The most time-effective route (while still bringing down your bills) is to just do a big comparison of prices between “Subscribe and Save” and your local warehouse club or grocery store, then subscribe to anything that’
about 6 hours ago
By the end of June, we’ll reach the middle of the so-called “gap year” — meaning that roughly six months will remain before the Affordable Care Act kicks in and America begins an unprecedented experiment with universal ...
By the end of June, we’ll reach the middle of the so-called “gap year” — meaning that roughly six months will remain before the Affordable Care Act kicks in and America begins an unprecedented experiment with universal health care coverage. Maybe that’s not such a big deal if you have great health insurance thanks to [...]The post Can In-Store Health Clinics Save You Money? appeared first on Money Under 30. If you are reading this on any other Website, that site stole Money Under 30's original, copyrighted content.
about 6 hours ago
Most baby shower games have been around forever. Maybe the “chocolate bar in the diaper” game was cute the first 20 times you played it, but the idea starts getting less adorable and enjoyable, especially as more and more of ...
Most baby shower games have been around forever. Maybe the “chocolate bar in the diaper” game was cute the first 20 times you played it, but the idea starts getting less adorable and enjoyable, especially as more and more of your friends and family members have babies. In addition to being tired and cliché, many [...]5 Fun, Unique Baby Shower Game Ideas on a Budget is a post from the Money Crashers personal finance blog.       
about 6 hours ago
This week’s Free Money Friday offer is a good one for anyone who has a lot of everyday spending planned in the next few months. Many of you noticed that the rotating 5% cards were missing some crucial cash back on spending at groce...
This week’s Free Money Friday offer is a good one for anyone who has a lot of everyday spending planned in the next few months. Many of you noticed that the rotating 5% cards were missing some crucial cash back on spending at grocery stores and gas stations this quarter. Citizens Bank is offering an intro 5% cash back on all gas, grocery and drugstore purchases! How to Get Your 5% Intro Bonus Open a Citizens Bank Cash Back Platinum Mastercard. Earn 5% cash back on all gas, grocery and drugstore purchases during the first 90 days that your account is open! Terms and Conditions No annual fee. Once you have applied for an account, you will be notified of the status within 30 days. Your 90 day promotional offer will start on the date your account is approved allowing up to an additional 20 days for you to receive and activate your card. Your card typically arrives within 10 days once your application is approved. More on Citizens Bank Grocery Store Gift Cards. For those of you who have already maxed out your grocery store gift cards with the American Express 6% Cash Back Credit Card, this card may provide another opportunity to continue gift card purchases. Intro 0% APR. This card is offering a 12-month intro APR of 0% on balance transfers. Depending on your arbitrage strategy, it could be a good opportunity but know that it does have a fee of 3% on the transfer. Cash Back. In addition to the 5% cash back on the above categories, you’ll earn 1% cash back on all other purchases and you’ll automatically receive checks for your cash back in increments of $50. Written by Kate Click here to leave a comment on this article. © My Dollar Plan
about 6 hours ago
There is no getting around the unfortunate fact that the majority of American credit card users have debt. All the studies I have found indicate that between one half and two thirds of all credit card users carry a balance each month, an...
There is no getting around the unfortunate fact that the majority of American credit card users have debt. All the studies I have found indicate that between one half and two thirds of all credit card users carry a balance each month, and pay interest on their charges. And as unsecured loans with interest that is never tax-deductible, credit card interest is more costly that interest paid on a home mortgage or a student loan. So when these cardholders are looking for the best product for their needs, they should always be looking for a card with the lowest interest rate and the fewest fees. The Pentagon Federal Credit Union offers its Promise Visa card with a low interest rate and no fees. Meanwhile, Barclaycard features its Ring MasterCard that has low rates and fees, as well as some other innovative features. Let’s take a look at how these two cards match up against each other: PenFed Promise This little known product is among the simplest and most fee-free cards in existence. It features no annual fee, no foreign transaction fee, no balance transfer fee, no cash advance fee, no late fee, no over credit limit fee, and even no penalty APR. New cardholders enjoy a 7.49% APR for three years before the standard rate of 9.99% applies. Furthermore, existing balances can be transferred to this card and will have a rate of 4.99% for the life of the balance transfer, but with no fee. But if there is one catch, it is that this card is only open to members of the Pentagon Federal Credit Union. And although PenFed was created to offer financial services to members of our armed forces, it is now open to anyone. Eligibility is available to family members and household members of active or retired members of the military as well as several other defense-related organizations. Otherwise, you can join by making a small one time donation to a military support group. Barclaycard Ring This card offers an 8% APR interest rate on purchases, balance transfers, and cash advances (not 7.99%!). There is no annual fee and no balance transfer fee. Cash advances cost a modest $1 fee and the foreign transaction fee is a more reasonable 1% than the standard 3%. There is no over-the-limit fee, and the late payment and returned payment fees are $25 instead of the customary $35. Where PenFed holds the extreme “no fee” ground, the Barclaycard Ring takes a different, but unique stance. It claims to be the world’s first “crowdsourced, community powered credit card.” Cardholders collaborate online to propose new ideas and even vote on them. Customers that save the program money by opting for paper statements or paying on time can enjoy the fruits of their efforts in the form cash back rewards, charitable donations, or a combination of the two. And to be clear that the money is going where promised, Barclaycard takes the unprecedented step of opening its books to its cardholders. How do these two cards compare? This is an interesting match-up as these two cards are both unique. The PenFed Promise card is offered by a credit union that is clearly focused on offering value to its members. The Promise card has a slightly lower interest rate for the first three years, and unlike the Barclaycard Ring, it has a promotional balance transfer offer as well. The Promise also wins by having no foreign transaction fee, cash advance fee, or late payment fee. But Barclaycard should still be commended for thinking outside the box with this innovative product. This kind of social media focused program will probably appeal to the Facebook generation in ways that other banks, and credit unions, cannot. But for the vast majority of credit card users who struggle with debt, the fee-free PenFed Promise will remain the best deal. Nevertheless, those who are looking for something different and only occasionally incur credit debt, might want to give Barclaycard Ring a chance. Both of these cards are for people who think differently, and it is up to ap
about 7 hours ago
Set forth below are the texts of two related comments that I recently put to the Goon Central board: How much he values the board from which he is banned and how envious he is of the people that can post there. I value the board imme...
Set forth below are the texts of two related comments that I recently put to the Goon Central board: How much he values the board from which he is banned and how envious he is of the people that can post there. I value the board immensely, GW. There is no dispute re that one. I have publicly declared my intent to have the board added to my site as a sub-domain. I wouldn’t do that if I didn’t see great value in the board. It’s the top investing board on the internet today. With me or someone I appoint making board administration decisions, we will be able to attract more people of integrity to the board and those who are there now and who possess integrity will feel free to post their honestzzz views. Buy-and-Holders will of course be welcome to participate in all discussions. Whether I am “envious” or not depends on how you use the word. I see the board as a very valuable resource. So I am certainly “envious” of those who are able to make use of that resource. That is obviously so. But am I willing to sacrifice my personal integrity to obtain access to that learning experience? No way, no how. It’s not even a close call. And I am not “envious” of those who have made the other call. I think they have made a huge mistake. Will you be envious of me when I am handed the $500 million settlement check? I wouldn’t be gaining that check if I had agreed to post dishonestly, you know. Rob That the Bogleheads freely discuss exactly those topics which Bennet claims are banned.    The fact that my friend Brian’s post was taken down because it contained a link to the Risk Evaluator shows us precisely how “free” the discussions are there, GW. Community members are permitted to say anything about safe withdrawal rates except what the last 32 years of peer-reviewed academic research shows to be the case. That’s not what Buy-and-Hold was about in its early days. That’s not what it will be about once we open every board and blog on the internet to honestzzz posting on SWRs and many other critically important investment-related topics. You can help. May I put you down for 20 e-mails per day? Rob
about 8 hours ago