Say It Forward

Mar 30 3:27am HumbleDollar
A FEW MONTHS AGO, my retirement account hit a milestone—$250,000. I’d been looking forward to achieving “quarter-millionaire” status for a while, so when it finally happened, I decided to announce it on social media. I took a photo of my computer screen, with the value of my account highlighted, and uploaded the photo. Just as I prepared to make the post public, I decided to obscure the actual balance and edit the text to say my account had reached a “new personal record,” instead of revealing the specific amount. The post Say It Forward appeared first on HumbleDollar.
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Running And Maintaining A Business

Mar 30 2:55am Money Soldiers
Aside from day-to-day tasks in business, there’s a lot to do to just keep your business running. And that goes for any business. You could be a home worker running a business from home, or you could be leading the hustle and bustle of a business on the high street. No matter, what – you’ve […] The post Running And Maintaining A Business appeared first on Money Soldiers.
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5 Expert Tips on Managing Your Money After Retirement

Mar 30 1:44am Personal Finance Advice
You work your entire life and as a reward, you get to retire. But the reality is that your ‘work’ does not end the moment you receive your gold watch. Instead, you need to keep managing your money to make … Continue reading →...
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Jeff Bezos Becomes the Worlds Second Richest Person

Mar 29 9:13pm Personal Finance News
Jeff Bezos is now the world’s second richest person. The Amazon’s founder adds $10.2 billion to his net worth this year and $7 billion since the global equities rally began following the election of Donald Trump as U.S. president on Nov. 8. The rise is the third biggest on the Bloomberg index in 2017, after […] The post Jeff Bezos Becomes the World’s Second Richest Person appeared on Personal Finance News.
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Becoming less productive and less competitive

Mar 29 8:45pm Early Retirement Extreme
Modern man has an endless fascination with productivity. There is always something that could be done faster or more effective. Productivity is not a natural state though. You do not see an animal trying to be more productive. It simply does its thing, takes what it needs and no more. Not humans, they always take […]...
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Join Our Tweetchat on Thursday 3/30, 12pm PST for a Chance to Win Prizes!

Mar 29 7:00pm Wise Bread
Join our Tweetchat this Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern for lively conversation and a chance to win a $100 Amazon gift card, one of two $50 Amazon gift cards or one of two Kindle copies of “AgeProof!” Use #WBChat and #AgeProof to participate. This week's topic: Live Longer Without Running Out of Money! Learn about improving your financial picture, combating stress when it comes to finances, how to play financial catch-up, and more. Tell us when you last gave your finances a physical and share with us how you find peace and financial security! For an easy way to keep track of the conversation, try using our chatroom. Anyone can participate, but you must be following @WiseBread and RSVP below to win our prizes! First Place: $100 Amazon GC Second Place: $50 Amazon GC Third Place: $50 Amazon GC Fourth Place: A Kindle Copy of “AgeProof” Fifth Place: A Kindle Copy of “AgeProof" Winner must be US resident 18 or older. No purchase necessary. Winners are randomly selected and announced within 1 day of the chat. See official rules here. To make it easier for us to keep track of attendees and pick our winners, please RSVP below with your twitter ID (put that in the "Link Title" field), email address, and your twitter URL (put that in the "URL" field, do not put your blog's url in there). Winners will be selected at random from RSVPs. If a winner is chosen who RSVPed but did not attend a 2nd winner will be chosen. This week’s chat will feature special guest, Jean Chatzky This week, Jean Chatzky will be joining our chat and sharing her expertise, tweeting from @JeanChatzky. Jean is the financial editor at the TODAY Show and co-author of “AgeProof: Living Longer Without Running Out of Money or Breaking a Hip.” More About “AgeProof” Here’s a message from Jean Chatzky about “AgeProof:” All the money in the world doesn't mean a thing if we can't get out of bed. And the healthiest body in the world won't stay that way if we're frazzled about five figures worth of debt. TODAY Show financial expert Jean Chatzky and the Cleveland Clinic's chief wellness officer Dr. Michael Roizen explain the vital connection between health and wealth--giving readers all the tactics, strategi...
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LuLaRoes Leggings, Practices Allegedly Suck, and Now its Being Sued

Mar 29 5:50pm The Penny Hoarder
LuLaRoe leggings are at the center of a class-action lawsuit alleging the company knowingly sold customers defective products. The post LuLaRoe’s Leggings, Practices Allegedly Suck, and Now it’s Being Sued appeared first on The Penny Hoarder.
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This Study Found Parents-to-Be Wildly Underestimate How Much Babies Cost

Mar 29 5:00pm The Penny Hoarder
It’s well known that babies are expensive, but most new parents seriously underestimate the cost of raising a child, let alone getting that child to their first birthday. The post This Study Found Parents-to-Be Wildly Underestimate How Much Babies Cost appeared first on The Penny Hoarder.
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Italy May Require Companies to Offer PTO Period Time Off

Mar 29 4:20pm The Penny Hoarder
Italy may require companies to offer paid menstrual leave to employees. Should the U.S mandate this uncommon benefit for American workers? The post Italy May Require Companies to Offer PTO — “Period Time Off” appeared first on The Penny Hoarder.
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7 Creative Strategies These Real People Used to Improve Their Credit Scores

Mar 29 4:09pm The Penny Hoarder
We know it’s not easy to pay off debt. But these seven efficient strategies can really help when rebuilding credit scores. The post 7 Creative Strategies These Real People Used to Improve Their Credit Scores appeared first on The Penny Hoarder.
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Could This be the End of the Line For Tax-Free Online Shopping?

Mar 29 3:57pm The Penny Hoarder
A legislative fight in New York could trigger other states to demand online marketplaces like eBay and Etsy start charging sales taxes. The post Could This be the End of the Line For Tax-Free Online Shopping? appeared first on The Penny Hoarder.
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Why We Got Into Credit Card Points and Airline Miles

Mar 29 3:44pm CreditShout
A few years ago I was starting to look for a vacation destination and started searching various travel blogs and guides.I was researching how to find cheap airfare and how to find discounted business class tickets. In what turned out to be either a stroke of incredible luck or in hindsight fate, I found […] The post Why We Got Into Credit Card Points and Airline Miles appeared first on CreditShout.
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Are Airline Stocks Ready To Take Off?

Mar 29 3:08pm Modest Money
The airline industry has historically been a turbulent one to invest in. And it makes sense. High capital costs and rarely making significant money tends to make investors jump ship… The post Are Airline Stocks Ready To Take Off? appeared first on Modest Money.
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From Drab to Fab: Spruce Up Your Home with These 5 DIY Decor Ideas

Mar 29 3:00pm The Penny Hoarder
Decorating your home doesn’t have to cost a fortune. Check out these 5 DIY decor projects that all cost less than $15. The post From Drab to Fab: Spruce Up Your Home with These 5 DIY Decor Ideas appeared first on The Penny Hoarder.
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No, ALDI Doesnt Offer Coupons Despite What You Read on Facebook

Mar 29 2:40pm The Penny Hoarder
ALDI is warning customers that a $100 off coupon circulating on Facebook is a scam. Here are the details. The post No, ALDI Doesn’t Offer Coupons — Despite What You Read on Facebook appeared first on The Penny Hoarder.
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Calling All Crafters: Amy Poehler and Nick Offermans New Show Needs You!

Mar 29 2:30pm The Penny Hoarder
Are you an avid crafter? Do you love to make things with your hands? If so, you could land a spot on “The Handmade Project,” a new TV series with Amy Poehler and Nick Offerman. (Think: Free advertising!) The post Calling All Crafters: Amy Poehler and Nick Offerman’s New Show Needs You! appeared first on The Penny Hoarder.
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Choosing The Right Support For Your Investments

Mar 29 2:10pm Pinching Pennies
    The world of investments can be a tricky and stressful one. There are so many options out there; it can be scary just trying to find the right one for you. The jargon that companies use is designed to make it hard for you to make a good choice. So, you have to […]...
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5 Ways To Make Property Investment Easier

Mar 29 2:04pm Pinching Pennies
      Investing in property can be a lot of hard work. Compared to other investments, you need to be a lot more hands on. Fortunately there are methods and services that can help lighten the load.   Lawyer up Whether you’re going to be renovating or renting property, it’s always handy to have […]...
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BlackRock's machine strategy is like a self-driving car for stock-pickers

Mar 29 1:12pm Personal Finance
The move by the world's largest asset manager could lead to lower fees for fund investors.
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Xero Accounting Software Review Thoughts from a Non-profit Accountant

Mar 29 11:01am Three Thrifty Guys
Recently we were approached by Xero – software that provides an affordable online accounting solution for small businesses, non-profits and accountants. We thought it would be great to get our resident accounting expert, Dave, to have a look at it. A year ago the small non-profit that I work with used a nation-wide payroll service …...
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015: How to Organize Your Money with Americas Millennial Money Expert Robert Farrington

Mar 29 10:11am PT Money
Robert Farrington is America’s Millennial Money Expert and Founder of Robert is on a mission to help millennials get out of student loan debt and start building wealth for their future. Robert is the quintessential master of his money. At such a young age in his early 30s he’s showing us all how it’s […] The post 015: How to Organize Your Money with America’s Millennial Money Expert Robert Farrington appeared first on PT Money.
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Balancing Financial Success and Lifes Big Moments

Mar 29 10:00am The Simple Dollar
A little over a week ago, I responded to a mailbag question from Mary, who was struggling with the decision about whether to go on an expensive trip (that she could afford) with her ailing sister. She was worried about the long-term financial impact of this big expense and was weighing it against doing something with her sister that they had long talked about before her sister became too ill. You might want to go ahead and read the full ... The post Balancing Financial Success and Life’s Big Moments appeared first on The Simple Dollar.
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Say hello to your new retirement haven. Hint: It's not Florida.

Mar 29 10:00am Personal Finance
The Sunbelt isn't the place to spend your golden years. How does your state rank?...
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5 Money Mistakes That Will Cost You

Mar 29 9:42am My Dollar Plan
Do you have any money mistakes that you regret? We all have made mistakes. We buy something we regret. We invest in a hot stock tip and lose everything. We get caught up in the moment and overspend. The goal is to limit these money mistakes as much as possible since we can’t eliminate them [...] Continue reading...
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9 Things You Arent Going to Find in Your FICO Credit Score

Mar 29 9:30am The Dough Roller
Although not the only credit score in use, the FICO score is the best-known and most widely used credit score in the United States.  Creditors use your FICO score (and other scores, such as the VantageScore) to determine your eligibility for loans, credit cards and other types of credit.  Employers will often request your credit […] The post 9 Things You Aren’t Going to Find in Your FICO Credit Score appeared first on The Dough Roller.
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7 Best Financial Decisions Young People Can Make to Get Ahead

Mar 29 9:00am Money Crashers
Every day you make financial decisions. Some are minor, like buying a new outfit. Others are major, like deciding to start a new job. But all of them, large and small, can have an impact on your future. The problem is that you can’t always tell how your decisions will affect you in the long run. It’s only… 7 Best Financial Decisions Young People Can Make to Get Ahead is a post from the Money Crashers personal finance blog.       ...
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This is why you shouldn't celebrate that huge tax refund

Mar 29 8:30am Personal Finance
It sure feels good to get a big check from Uncle Sam. Here's why you should think twice before celebrating.
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The Impact of the Philadelphia Soda Tax

Mar 29 8:05am Consumerism Commentary
Earlier this year, I wrote an article discussing the new Philadelphia Soda Tax that had just been put into effect.  At the time, the discussion focused on the possibilities the law would present: from having more people drink water and getting more funding for the school system, to Americans losing money to the tax and companies […] The post The Impact of the Philadelphia Soda Tax appeared first on Consumerism Commentary.
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These twin lacrosse fanatics turned $6,000 into a global business

Mar 29 8:00am Personal Finance
Greg and Mike Kenneally were once stars on the field. Now they're running their own company.
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An Annuity that Could only be Sold by Satan

Mar 29 7:23am A Teachable Moment
“Are there any ‘Last Minute Cowboys’ who can saddle up and ride?” An IPI Senior Regional Director (AKA Douchebag) Improper annuity sales by sleaze bag brokers are not exactly current events. This case sticks out for its sheer evil. A company called IPI financial made an unholy alliance with a group of community banks. According......
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Evaluating Phi: Is Motivation Really The Hidden Variable Of Organizational Performance?

Mar 29 7:02am
In November of 2016, a joint study from the State Street Center for Applied Research and the CFA Institute was released claiming to have discovered “the hidden variable of performance”. They called this variable “Phi” and it is a combination of the motivational forces of Purpose, Habits, and Incentives. Specifically, the found that a one-point increaseRead More...
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Learning How To Budget: 7 Easy Steps To Build Wealth

Mar 29 7:00am
I will admit that I am not re-inventing the wheel here. You can do a web search for articles about learning how to budget and you will find hundreds, if not thousands, of articles. But what you will find here is something a bit different than what you’ll find in many other places. How so? […] The post Learning How To Budget: 7 Easy Steps To Build Wealth appeared first on
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11 Tips for Making Money in the Gig Economy (and Maintaining Your Sanity)

Mar 29 7:00am The Penny Hoarder
Making it as a freelancer in the gig economy is tough. These 11 tips will help you survive -- and even thrive. The post 11 Tips for Making Money in the Gig Economy (and Maintaining Your Sanity) appeared first on The Penny Hoarder.
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How To Become Independently Wealthy

Mar 29 6:31am Clever Dude Personal Finance & Money
Many of us dream of having enough wealth to walk into work one day, tell our boss, “I quit!” and walk out the door never to return. To not rely on anyone else financially, or on employment to support yourself is commonly called being independently wealthy. Becoming independently wealthy doesn’t usually just happen in an […]...
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6 Affordable Date Ideas

Mar 29 6:30am DINKS Finance
Going out from time to time is crucial when it comes to your relationship. You have to spend time with each other if you want to continue to grow together. Date night is something that you and your significant other should look forward to. I enjoy taking my lady from time to time. We try […] The post 6 Affordable Date Ideas appeared first on DINKS Finance.
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Eight Ways to Use Expiring Produce

Mar 29 6:00am The Simple Dollar
Knocking money off your grocery bill may not be easy, but it can be done. By using coupons, planning your meals, and shopping regular sales, it’s not that hard to whittle your food bill down a notch or two. Still, you can often save even more with a very basic technique: Reducing food waste. By eating leftovers, using up foods before they go bad, and repurposing everyday ingredients, you won’t have to buy as much at the store. Beyond saving money, ... The post Eight Ways to Use Expiring Produce appeared first on The Simple Dollar.
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Best Deals for Friday 02/10/2017

Mar 29 5:30am Wise Bread
Link for teaser title: Famili Ultrasonic Polishing Jewelry Cleaner 60\% Off, Night Light USB Dusk to Dawn Sensor and Wall Plate Charger Now Only $9, Rotating Twirl 24 Tie Organizer Rack Hanger Holder Hook for Only $10, and more Wicked Wednesday deals!...
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Pros and Cons of Work-From-Home Customer Service Jobs

Mar 29 5:30am Everything Finance
Pros and Cons of Work-From-Home Customer Service Jobs is a post originally published on: Everything Finance - Everything Finance - Its all about Money!...
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A $500,000 Redo: How One Couple Got Their Mojo Back

Mar 29 5:08am Financial Samurai
About once every couple of years, a Financial Samurai post goes a little nuts on the internet. Recently, Twitter got a hold of “Scraping By On $500,000 A Year: Why High Income Earners Can’t Escape The Rat Race” and consumed it like a rabid dog shaking a rag doll. I first started noticing Twitter activity Friday morning,Read More...
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How To Set (And Keep!) Quarterly Financial Goals

Mar 29 5:00am Money Under 30
Yearly financial goals can feel too far off. Monthly goals feel too small time. Quarterly financial goals let you dream big and act now. How To Set (And Keep!) Quarterly Financial Goals appeared first on Money Under 30. © Moneyblogs, LLC.
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9 Career Tips Your Younger Self Would Give You

Mar 29 5:00am Wise Bread
Hindsight is 20/20, so there may be a lot you wish you could say to your younger self. However, your younger self may also have some great advice to help you with your career today. Below are some of the top job tips that past you might offer. (See also: 7 Career Tips You Wish You Could Give Your Younger Self) 1. Don't settle We all sometimes settle with work and personal matters, but your younger self wouldn't accept so many compromises. If you're long overdue for a promotion, stuck feeling taken advantage of, or simply miserable at your place of work, figure out what you want and what you deserve, and set out to achieve it. You should be happy with where you are in your professional life, not just mindlessly coasting through. 2. Be more aggressive and proactive Your younger self would want you to stand up for your convictions, be aggressive in your desires, and be proactive about getting what you want. A good place to start is asking for a raise. 3. Follow your passion As we get older, we sometimes feel compelled to put aside our interests and passions while we address the responsibilities and demands of adulthood. But if we put them aside for too long, we lose ourselves in day to day duties and forget about the things that really drive and excite us. Is this the job or career you really want? Are there classes you can take or communities you can join to pursue your passion? Don't leave it on your back burner any longer. 4. Don't waste time at a job you hate Your younger self was eager to set out on the career path. You had fire, passion, and determination to succeed in your field. Younger you would have never tolerated riding it out in a job you couldn't stand just for the sake of a paycheck — so why would you do that now? If you dread work every day, stop wasting your time hating on a soul-sucking job, and start focusing your energy on finding a new one. (See also: 8 Signs You Should Quit Your Job) 5. Don't let money cloud your judgment You undoubtedly made a lot less money in your younger days, but you likely were okay with making minimum wage back then. As we make more money, lifestyle creep can cloud our assessment of what we need versus what we want. This might cause us to make decisions that keep us unhappy. Take stock of what you have, what you really need, and what you really want out...
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Best Money Tips: 12 Surprising Lottery Facts

Mar 29 4:30am Wise Bread
Welcome to Wise Bread's Best Money Tips Roundup! Today we found articles on lottery facts that may surprise you, mind and behavioral tricks that help you save, and how to upcycle an old filing cabinet into garden storage. Top 5 Articles Love Playing the Lottery? Here Are 12 Facts That May Surprise You — If you win the lottery, you typically won't be able to stay anonymous even if you want to. At least your name and city of residence will need to be made public. [PopSugar Smart Living] 4 Mind & Behaavioral Tricks to Help You Save — A study has found that people are more likely to spend dirty, crumpled currency and hold on to new bills, so keep a new $50 or $100 in your wallet to deter spending. [MintLife] Easy Upcycling: Filing Cabinet Into Garden Storage — If you have an old filing cabinet that has outlived its usefulness, give it new life by turning it into garden storage. This simple project costs under $30! [Sustainablog] How businesses can grow $1 to $14 by reducing food waste — According to a new report, the average business will earn a $14 return for every $1 invested in food loss and waste reduction. [The Monitor] 7 Mentally Damaging Habits You Need To Let Go — Don't keep your to-do list in your head. It's easy to forget ideas and commitments if you don't write them down, and you may even cause more stress as you try to recall important events. [Dumb Little Man] Other Essential Reading Can You Save Money by Insulating Your Garage? — An insulated garage can help you save on heating and increase the value of your home. [Frugal Village] 7 Unnecessary Purchases to Avoid — There's no reason to splurge on a four-course restaurant meal unless it's a special occasion. If you make sure you're not starving before you go out, an entree is usually enough to fill you up. [Money Spruce] How to Best Use Your Grace Period: Create Your Debt Attack Plan — New grads can use the valuable grace period to evaluate their options and decide on a debt repayment strategy. [Poorer Than You] 6 Things Your Tax Preparer May Not Want You To Know — Your tax preparer won't keep your tax records forever, and they will be purged according to your tax preparer's unique policy. Make sure you know what that policy is, and be ready to pay extra for archiving services if that'...
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How to Ditch a Credit Card Without Dinging Your Credit Score

Mar 29 4:30am Wise Bread
It might seem like common sense to think that individuals would be rewarded (or at least not penalized) for closing a credit card. Doesn't it show good credit sense? Whether you want to close a credit card to remove the temptation of using credit you can't pay back, or you have other credit cards that offer better rewards and benefits, you may be surprised to find that closing an account may negatively affect your credit score. (See also: The 5 Things With the Biggest Impact on Your Credit Score) Why a closed account dings your score It's important to know why closing a card negatively affects your credit score. Here are the two main reasons. Your account history is shortened If you close an account that you have had for several years, then you are cutting your account history short. Closing a credit card that you have had for almost a decade will have a bigger impact on your score than closing a card you've had less than a year. Your credit utilization rate changes If you currently have $2,500 in credit card debt, but have three cards that give you a total $15,000 credit limit, your current credit utilization rate is just over 16 percent. However, if you cancel one of the cards, and that card had a credit limit of $8,000, then you just decreased your overall credit line to $7,000. Your credit utilization ratio will now increase to over 35 percent. Having a credit utilization rate over 30 percent will negatively impact your credit score. Ask for a card change instead of canceling If you want to ditch a certain credit card due to high annual fees, you may be able to downgrade your card without canceling the account. Call the creditor and ask if you can change to a lower or zero fee card. Asking for a card change is also important for those who are using a secured card to boost their credit score. Some secured cards may automatically upgrade your account to an unsecured one, but not always. If your account is in good standing, the creditor should move your account to a better card. (See also: Best Secured Credit Cards) Ask for credit limit increase on other cards If you are still set on closing your credit card account, you can minimize the damage by asking for a credit limit increase from other cards you're keeping. This will prevent your credit utilization ratio from changing dramatically. Close the n...
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6 Mistakes Parents of Teen Drivers Make

Mar 29 4:30am Wise Bread
The day your child gets their driver's license is a big day for your teen and a nerve-wracking one for you. It's natural to worry about the safety of your kid on the open road. And picturing your young driver merging into busy highway traffic might cause you plenty of sleepless nights. Adding a teen driver to your auto insurance policy will also bring a hit to your finances. A study by released in the summer of 2016 found that the average family adding a teen driver will see yearly insurance premiums rise by an average of 79 percent. Here are six mistakes to avoid if you don't want your insurance premiums to skyrocket the day they get that long-awaited license. 1. Not adding your teen driver to your policy You might think there's no need to do it right away, as they're only allowed to drive to school and back, or to other local spots that aren't far from home. But your teen doesn't need an hour commute each day to require the financial protection of an insurance policy. According to an accident survey conducted in 2012 by the NHSTA, 52 percent of car accidents occur within a five-mile radius of home. You never know what can happen once your kid heads out on the road. Make sure they are covered before you hand them the car keys. 2. Letting them drive too soon Just because teens can start driving at 16, doesn't mean that your child needs to be behind the wheel at such a young age. Maybe your teen isn't ready to start driving at 16. Maybe it makes sense to wait an additional year or two before they start taking driver's education courses. Having your teen wait can actually make financial sense. The study found that teen drivers have a lower average hit on your auto insurance premiums the older they are. Waiting until your teen is 17, for instance, could reduce your policy's rate increase. 3. Buying them a new car It's exciting to hand the keys of a shiny new car to your new driver. You might also justify it by thinking it's safer (newest technology and all). But an expensive new car is also more expensive to insure. Does your teen really need the thrill of driving an impressive car, or can that feeling be saved up for the time when they work hard to pay for one themselves? 4. Forgetting about the good-grade discount Teen drivers will receive a discount on their ins...
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The 5 Best Frizz Control Products

Mar 29 4:00am Wise Bread
Dry, frizzy hair can really get you down. Whether you have frizzy hair by nature or your hair just can't handle the weather elements, there is hope. Fortunately, there are an array of frizz control products that can give you the soft, smooth, shiny, manageable hair of your dreams. What Is a Frizz Control Product? Frizz control products are hair care essentials that can restore moisture and smooth the hair cuticle to tame frizzy hair, fight humidity, and reduce flyaways. They come in a variety of forms, including serums, sprays, and even shampoos and conditioners. (See also: The 5 Best Shampoos for Frizzy Hair) Top 5 Frizz Control Products John Frieda Frizz Ease Beyond Smooth Immunity Primer The John Frieda Frizz Ease Beyond Smooth Immunity Primer immediately works on frizz. It gradually builds up hair's frizz immunity with each use and provides smoother hair with continued use. The non-silicone formula is enriched with pure coconut oil and a frizz-immunity complex, which works from the inside out, eliminating frizz at the source for easier styling, added control, and better manageability. It forms a protective seal that locks out water and humidity to protect the hair shaft. The potent, non-greasy primer also improves hair's texture for long-lasting results. The brand is recommended by Vogue, InStyle, Influenster, and All Women Stalk. If this primer isn't right for you, you may want to consider the John Frieda Frizz-Ease Extra Strength 6 Effects Serum or the John Frieda Frizz Ease Dream Curls Conditioner. Currently $7.49 on Amazon Moroccanoil Frizz Control The Moroccanoil Frizz Control works great even in particularly dry or humid conditions. The anti-frizz spray significantly reduces frizz, flyaways, static, and split ends in any weather. It is formulated with argan oil, vitamin E, and keratin to nourish and moisturize with antioxidant and conditioning benefits. It repairs, strengthens, and restores elasticity, so your hair is left smooth, manageable, and ultra shiny. It has a dry oil-like texture and a slight stickiness. It is color-safe, sulfate-free, phosphate-free, and paraben-free. This works on all hair types, but is particularly beneficial for over-processed, frizzy, dry, or curly hair. If you have an oily scalp, it may be too greasy for your roots, so you'll only want to apply it to the botto...
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The Easy Way To Save On Groceries

Mar 29 4:00am A Debt Free Stress Free Life
When I was married, meal planning came rather easy to me.  I never worried about how to save on groceries because I had the system down pat. Then I got divorced and had to figure out how to make dinners for two instead of dinners for three and without a big, hungry man to feed. View Post The post The Easy Way To Save On Groceries appeared first on A Debt Free Stress Free Life.
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Why Tax Day Is April 15 and Other Weird Financial Deadlines

Mar 29 4:00am Wise Bread
April is one of the finest months of the year. The sun breaks through the clouds, the cherry blossoms bloom, and the promise of warm weather beckons. So of course, the IRS, in its infinite wisdom, decided to place Tax Day right smack dab in the middle of all of this riotous spring beauty. Though I have always believed that the placement of Tax Day in mid-April is proof of the federal government's grim sense of humor, there is actually some method to their madness — both for this, and all other seemingly arbitrary financial dates and deadlines. Here are the reasons behind some of the most head-scratching financial dates in the United States. Why is Tax Day on April 15? Paying federal income taxes is actually a relatively new phenomenon in American history. The first time an income tax was levied on Americans was in 1861 in order to help pay for the Civil War. In 1872, the law surrounding the tax was repealed after opponents successfully argued that federal income tax was unconstitutional. Fast forward to February 3, 1913, when Congress adopted the 16th amendment to the constitution, which allows for federal income tax. Congress also determined the first due date for filing 1913 taxes would be March 1, 1914 — one year and a couple of weeks later. March 1 offered an easy-to-remember due date that gave citizens just over a full year to get used to being taxpayers, gather up their receipts into the early 20th century version of a shoe box, and file their first returns. Then in 1918, the due date was moved to March 15, for reasons that no one in Congress saw fit to explain or write down. Congress again moved the filing due date in 1955, this time to the now-familiar date of April 15. According to the IRS, the date change helped to spread out the tax season workload for IRS employees. However, there may be a slightly more mercenary reason for the date change: According to Ed McCaffery, a University of Southern California law professor and tax guru, by the mid 1950s, the income tax was applying to increasing numbers of middle class workers, which meant the government had to issue more refunds. "Pushing the deadline back gives the government more time to hold on to the money," McCaffery claimed in Fortune magazine. And the longer the government holds onto taxes that have been withheld but...
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Smooth Talker

Mar 29 3:32am HumbleDollar
AS INVESTORS FLOCK TO STOCKS in search of heady returns, this is a good time to think about risk. Remember, nobody has a clue how stocks will perform over the short-term, so it’s best to focus on things we can control—namely investment costs, taxes, risk and our savings rate. Short-term risk is often assessed using beta and standard deviation. I just added a section on those two volatility measures to HumbleDollar’s money guide. While researching the new section, The post Smooth Talker appeared first on HumbleDollar.
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Form ADV Ignore it at Your Peril

Mar 29 3:30am The White Coat Investor – Investing And Personal Finance Information For Physicians, Dentists, Residents, Students, And Other Highly-Educated Busy Professionals
When choosing a financial advisor, you need to review the Form ADV. In this post, Johanna Turner explains where to find it how and how to read it.
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How To Create Passive Income With No Money

Mar 29 3:15am The College Investor
Passive income seems to be the Holy Grail of personal finance. I mean when it comes to income, what could be better than earning without having to trade your time for dollars? There are two main routes to passive income – either you invest money to make it happen, or you invest time to make […] The post How To Create Passive Income With No Money appeared first on The College Investor.
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Can HOAs Increase Property Values?

Mar 29 2:20am Personal Finance News
For most Americans, the most important investment is a home. How do we maintain the value or increase the value of this asset? The presence of a Home Owners Association (HOA) can dramatically increase the value of homes in the neighborhood. Currently, 63 million Americans live in an area with an HOA. Purpose of a […] The post Can HOAs Increase Property Values? appeared on Personal Finance News.
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How to Structure Your Business

Mar 29 1:24am Money Soldiers
The structure of a business can have a major effect on on it’s success. There are a number of different ways to organize the different departments and their interactions with one another. Good business structure is one of the key elements to achieving growth. The following is a list of the most common business structures […] The post How to Structure Your Business appeared first on Money Soldiers.
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How to Start a Thrift Store

Mar 29 1:08am Money Soldiers
Are you interested in starting your own business? Although thrift stores and resale shops are not considered new business ideas, they do seem to flourish in every economy. They tend to do very well when the economy is down or unstable. These types of stores can generate a lot of sales, and can be considered […] The post How to Start a Thrift Store appeared first on Money Soldiers.
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How Demographics Serve As Final Judge of Real Estate Worth

Mar 29 1:02am Personal Finance Blog – Personal Finance and Money Management Tips
James Dondero has become one of the most successful credit-focused hedge fund managers in the United States by using his profound understanding of the credit markets and fundamental analysis of asset value to make prudent, long-term-oriented decisions. Part of his investment strategy has focused on U.S. real estate, a space in which his firm, Highland ... The post How Demographics Serve As Final Judge of Real Estate Worth appeared first on Personal Finance Blog - Personal Finance and Money Management Tips.
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Thats not a horseshoe! Give yourself the kudos.

Mar 28 10:27pm Squawkfox
That's not a horseshoe! Give yourself the kudos.: Hard work and perseverance pay off, so don't let the notion of luck steal your sunshine.
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