3 Ways to Invest Your Tax Return

May 18 11:11am Modest Money
Tax season is behind us, and millions of Americans are anxiously awaiting their tax refunds. According to the IRS, 70 percent of filers get a refund and the average 2016… The post 3 Ways to Invest Your Tax Return appeared first on Modest Money.
Read More

Whats The Best Way To Raise Your Advisory Firms Fees?

May 18 10:23am Kitces.com
The standard commentary about financial advisors is that, with the rise of robo-advisors, there will be fee compression as advisors cut their AUM fee schedules to keep up with the competition. Yet the reality is that industry benchmarking studies show the median advisory firm’s fees haven’t dropped, at all, in the past six years. In fact,Read More...
Read More

7 line items that pad the costs of selling your home

May 18 10:15am Personal Finance
The average homeowner spends more than $15,000 to sell a property. What to watch out for.
Read More

Putting Frugality in Context of a Busy Modern Life

May 18 10:00am The Simple Dollar
Springtime is incredibly busy around our home. Our children each participate in a spring sport of their choosing (if they want to). They’re also finishing out their school year, which means a number of school activities are on the docket. We usually have family members that come to visit at some point during the month. Sarah’s usually finishing out a teaching year and is also finishing out her masters program. I’m usually trying to get some extra work done so ... The post Putting Frugality in Context of a Busy Modern Life appeared first on The Simple Dollar.
Read More

Discover it Miles: The Best Credit Card Signup Bonus Out There Right Now?

May 18 9:00am Money Under 30
With 1.5x miles on every purchase and the Rewards Match program that will double all miles you earn in the first year, see why Money Under 30 names Discover it® Miles the best credit card sign-up bonus of 2017. Discover it® Miles: The Best Credit Card Signup Bonus Out There Right Now? appeared first on Money Under 30. © Moneyblogs, LLC.
Read More

Banktivity 6 Review The Best Mac Personal Finance App?

May 18 9:00am Investor Junkie
What options are available for the Apple Macintosh user who wants to manage their personal finances? Banktivity 6 by IGG Software might be a solution. In this review, we’ll discuss […] Banktivity 6 Review – The Best Mac Personal Finance App? is from Investor Junkie Copyright © Empowering Media, Inc. All Rights Reserved.
Read More

Starting out at community college seems like a good idea until ... it's not

May 18 9:00am Personal Finance
Many students hope to make the leap from a two-year school to a four-year institution. It's easier said than done.
Read More

Three ways to avoid the financial death spiral of defaulting on your student loans

May 18 8:30am Personal Finance
Defaulting on your student loans can destroy your credit and haunt you for the rest of your life. Here's what to know.
Read More

Seven Reasons to Love the House You Have

May 18 8:00am The Simple Dollar
With spring in full swing and summer on its way, people are busy sprucing up their home’s outdoor areas. Perhaps you’ve cleaned out your garage, laid down some mulch, or attempted to repair winter damage to your lawn. Whatever hard work you’ve done, you’ll soon be able to enjoy the fruits of your labor – that is, if you can ignore what your neighbors are up to. According to Housingwire Magazine, 40\% of all U.S. home sales take place during May, ... The post Seven Reasons to Love the House You Have appeared first on The Simple Dollar.
Read More

Want to Make Smart Retirement Choices? Check Your Social Security Statement

May 18 8:00am The Penny Hoarder
Snail mail is so last century. Even the Social Security Administration is scaling back — but here’s how to find the information you need online. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

How to create tax efficiency for a highly appreciated stock position

May 18 8:00am Financial Advisor Hub
Stock protection funds marry modern portfolio theory and risk pooling, helping with highly appreciated stock positions.
Read More

Twigby Mobile Review A Cell Service Provider That Pays You Back

May 18 6:36am Three Thrifty Guys
The following is a review provided to us by TTG reader, Doug, who recently jumped on board Twigby. Since we have never written about them before at the site, I asked Doug if he’d chime in about his experience. Thanks Doug! If you ever have a product that you’d like to review at the site …...
Read More

Reverse Mortgages The Good and the Bad

May 18 6:20am Cash Money Life
This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Reverse Mortgages – The Good and the Bad. Reverse mortgages are gaining in popularity, as many senior citizens stretch for creative ways to maintain their living standards in an era of near zero interest rates on savings instruments. There’s good and bad in regard to reverse mortgages, and you need to consider both sides before applying for one. How Reverse Mortgages Work Reverse ... Read More about Reverse Mortgages – The Good and the Bad ~$~ All content copyright Cash Money Life | Personal Finance, Investing, & Career; if you are reading this on another website it has been illegally reproduced in violation of copyright laws.
Read More

Is It Cheaper to Go to College in Canada? We Did the Math

May 18 6:00am The Penny Hoarder
We’ve read that more American students are applying to Canadian universities, and we wondered: Could going to college in Canada help you save money? This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

Be Careful, There Are No Free Lunches With REITs Either

May 18 5:50am The Dividend Guy Blog
In the first part of this series, I’ve painted a pretty nice picture of REITs, don’t you think? But there is nothing perfect in this world and REITs are not even close to perfection. There are several things you must look out for before considering investing in any REITs: Be Careful – the Tax guy […]...
Read More

How to Avoid Spending Extra Money to Look Good for Summer

May 18 5:30am Everything Finance
How to Avoid Spending Extra Money to Look Good for Summer is a post originally published on: Everything Finance - Everything Finance - Its all about Money! After the bitter cold of winter and rainy days of spring, summer is a much welcome time of the year. It brings sun, warmth, long days, afternoons by the pool, and usually vacations. Of course, thanks to the constant heat of summer, it’s also the season where we’re most exposed. Between shorts, tank tops, bathing suits, and sandals, all that we once covered up during our months of sweaters, is now on full display. For many of us, that means doing everything in our power to primp and prepare our skin, hair, and nails. We tan, get highlights, manicures and...
Read More

7 Real And Reputable Work-From-Home Companies

May 18 5:00am Money Under 30
Working from home lets you save on commuting costs, spend more time with your family, and avoid spending all day in a cubicle. Here are seven companies that have a history of hiring at-home employees. 7 Real And Reputable Work-From-Home Companies appeared first on Money Under 30. © Moneyblogs, LLC.
Read More

7 Super Splurges of the Rich and Famous

May 18 5:00am Wise Bread
Celebrities have money to spend, and boy do some of them spend it. There are a select few, including Winona Ryder, Tobey Maguire, and Kristen Bell, who are well known for their frugal habits. Others, not so much. But when you're bringing in six-figure paychecks, you're entitled to treat yourself a bit more often. Here are some of the most extravagant indulgences from the rich and famous. (See also: 5 Smart Money Lessons From Celebrities) 1. Blue Ivy's custom Barbie Since she was first introduced back in 1959, Barbie has been among the most popular toys for kids around the world. With an endless collection of accessories, dresses, vehicles, and homes, parents could spend a fortune on building a Barbie collection. However, very few could outdo Beyoncé with her custom-designed, diamond-encrusted Barbie worth $80,000 that she gave her daughter Blue Ivy on her first birthday. 2. Ashton Kutcher's art book The former star of That '70s Show and Two and a Half Men is known for his interest in venture capitalism, entrepreneurship, and investing. Having so many streams of income allows Kutcher to splurge on gifts. Back when he was married to actress Demi Moore, he spent $1,900 on a limited edition book of Africa photos by photographer and artist Peter Beard. Worth roughly $3.80 per page, that's one book you definitely wouldn't don't want to lose. 3. Lady GaGa's EMF detectors After playing a menacing vampire for FX's American Horror Story: Hotel, wearing dresses and bikinis made out of raw meat, and jumping several feet into a football stadium for the Super Bowl Halftime Show, Lady Gaga seems pretty fearless. However, it turns out that the singer of "Bad Romance" believes in paranormal activity, has confessed to having spiritual visions, and wants to always be safe from spirits wherever she goes. That's why several sources report that she spent an estimated $40,000 in state-of-the-art Electromagnetic Field (EMF) detectors, which her team allegedly uses to check for paranormal activity backstage at concert venues. 4. Bono's favorite hat Several studies have reported that at least half of online shoppers abandon their carts after discovering what the applicable shipping charges will be. U2 frontman Bono probably wouldn't even flinch because he paid more than $1,000 to have his signature black trilby flow...
Read More

We Do the Math: Save for Retirement or Pay Off Credit Card Debt?

May 18 4:30am Wise Bread
Should you save for retirement or pay off credit card debt? If you're carrying a card balance, you may be wrestling with whether to put all your resources into attacking the debt, or start building your retirement nest egg while you slowly pay off debt. Which one will give you a better net worth? There's no simple answer. For some people the situation may warrant clearing credit card debt first; for others, it's better to start investing right away. To figure out which scenario is better in a given situation, we'll need to do some math. Don't worry, we'll show you how to do it in a few easy steps. Step 1: Gather important numbers about your debt and your retirement plan First, look through your credit card statements and accompanying information to pull up the following numbers: Credit card debt. You'll find this on the front of your credit card statement.   Credit card interest rate, or APR (Annual Percentage Rate). You'll find this further down on your statement, in a section labeled "Interest Charged" or something similar.   Minimum payment. You'll find this in your card's terms and conditions, under a discussion about how minimum payments are calculated. It will probably be a percentage, but there may also be a flat sum. Next, consider any retirement plan you are enrolled in or have available. What is the average annual return? You can identify past returns by reviewing your retirement account statements. For example, your 401(k) plan account may list your annual return. Note that past returns don't guarantee or predict future returns, but we'll use the average annual return as a proxy for future returns in this case, knowing that if our portfolio takes a long-term downward turn, our calculations will change. Finally, how much extra do you have in your monthly budget that you could put toward credit card payments, retirement investments, or both? Follow along as we consider a hypothetical debt situation and retirement opportunity. Let's say there's $500 in our monthly budget, which equals $6,000 annually ($500 x 12 months = $6,000) to put toward debt or retirement. Currently, the balance on our credit card is $5,000. Our APR is 22\%. Our minimum monthly payment is 3\% of our outstanding balance or $25, whichever is greater. Our employer offers a 401(k) plan. For the sak...
Read More

Who Pays When Loved Ones Leave Debt Behind?

May 18 4:30am Wise Bread
Losing a loved one — a parent, spouse, or sibling — is difficult enough. But what if your loved one left mortgage, auto loan, or credit card debt behind? Will you now be responsible for paying those bills? In most cases, no. Creditors can't force you to cover the unpaid debts of loved ones who have died. But the money that your loved ones owed might cut into or even eliminate any inheritance that was meant for you or other survivors. What usually happens When people die, the money they owe creditors — everyone from their mortgage lender, to their auto loan providers, to their credit card companies — is collected from their estate. The estate in this case is defined as the money and assets owned solely by the deceased. This might mean that the house your parents owned has to be sold to pay off any mortgage debt they owed. Their car might have to be sold to pay off credit card or other debts. Whatever is left after these debts are paid off remains in the estate of the deceased. If your parents wanted to leave money behind for their children and grandchildren, the amount they wanted to bestow will be reduced by however much they owed creditors at the time of their death. It can get more complicated Of course, that's the most basic course of action. In reality, money matters can get more complicated after the death of a loved one. This is especially true when you lose a spouse. In most states, you won't be responsible for any debt that your spouse left behind when he or she died, as long as the debt was accrued in your spouse's name alone. If both you and your spouse share a credit card or a mortgage, then you will be responsible for making payments on that debt after your spouse dies. If you live in what is known as a community property state, you will be responsible for even more debt. In such states, the debts of deceased people are passed onto surviving spouses, even if the debt is not in the survivor's name. If your spouse took out a loan to buy a motorcycle and didn't finish paying it off before dying, you'd be responsible for paying off that loan. There are only 10 states that have community property laws: Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin. If you live in any other state, you are not responsible for debt run u...
Read More

Best Money Tips: How to Get the Most Value From a Quick Getaway

May 18 4:30am Wise Bread
Welcome to Wise Bread's Best Money Tips Roundup! Today we found articles on tips to get the most value out of your quick getaways, how to make exercise a habit, and hobbies that won’t break the bank. Top 5 Articles 5 Tips For Getting Maximum Value Out Of Your Quick Getaways — Don't waste more time in transit than absolutely necessary. Research how you'll get around and book rentals in advance so you have more time to do what you're there for. [Dumb Little Man] 6 Easy Tips To Make Exercise A Habit — Track your progress! It's a great motivator and a good way to figure out what you need to focus on. [Change Your Thoughts] 7 Hobbies That Won’t Break the Bank — It doesn't cost a lot to explore nature. Go camping with friends and spend some quality time outdoors. [Everybody Loves Your Money] 8 Reasons You Should Travel Europe by Train — When you travel by train, you get to stop in many different countries and cities. [PopSugar Smart Living] 10 Ways to Save on Gifts — Don't buy fancy ribbons and bows to decorate your gifts. These extras will get tossed anyway. [Adventures in Frugal Land] Other Essential Reading 3 Awkward Money Moments with Friends (And How to Handle Them) — Make sure your own finances are in order before you help out a friend who may or may not pay you back. [Money Strands] How to Significantly Lower the Cost of Travel in Your 20s — If you're a student, consider studying abroad to lower travel costs and earn college credits at the same time. [Everything Finance] How to Ace Your Next Phone or Skype Interview — Speaking clearly and enunciating are especially important for a phone or video interview. [The Art of Manliness] One Surprisingly Simple Rule that Will Make Your Goals Happen Faster — Effective daily rituals will reinforce what you want to achieve. [Marc & Angel Hack Life] 8 Ways To Deal With Small Home Office Space — Don't use valuable desk space to store extra office supplies. Stash them away in a cabinet or closet. [Get Organized Wizard] This article is from Amy Lu of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: 8 Frugal Destinations for a Dreamy Winter Getaway...
Read More

How to Cash In On Getting Bumped From a Flight

May 18 4:00am Wise Bread
Even before a United passenger was infamously dragged off a plane because his flight was overbooked, most people dreaded getting bumped from a scheduled flight. And yet, there are travelers who actively try to get bumped in order to reap the financial rewards airlines sometimes offer, which is usually a few hundred dollars in vouchers for future flights. However, airlines have been known to offer higher amounts, and cash or gift cards instead of vouchers. And now that United has rewritten its rules to offer customers up to $10,000 to give up a seat (and Delta will pay up to $9,950), there could be some real profit in the pursuit of the bump. Let's look at some tried and true bumpee tactics to learn how you can get in on the action. Pad your travel itinerary with extra time You've probably heard gate staff announcing that they're looking for folks to give up their seats, and then offer an escalating reward. As the numbers climb higher, you sit there kicking yourself for booking your flight the night before the wedding you're supposed to attend, making it impossible for you to take the deal. When possible, fly in a day earlier than you think you need to. Not only does this give you the freedom to accept a bump, but it makes it less likely that you'll miss your event due to other delays. Choose a bump-friendly airline Some airlines bump travelers more often than others. Fortunately, this data is publicly available. The Department of Transportation records two kinds of bumps: voluntary, as in, they paid you to give up your flight; and involuntary, as in what happened to Dr. David Dao on that United plane in Chicago. In 2016, Delta had the most voluntary bumps at 129,825, followed by Southwest at 88,628, and United at 62,895. It's impossible to say if United's new, more passenger-friendly booking policies will change this in the next year, but based on past behavior, Delta is your best bet for getting paid to give up your seat. Delta has also been known as being particularly generous with its rewards; a Forbes columnist and her family got paid $11,000 in gift cards to give up seats on several flights in one weekend. Sure, some of it was luck, but they also had a flexible travel schedule, they were willing to give up their seats each time their flights were rebooked, and they negotiated bump compensation to...
Read More

Land Grab

May 18 3:54am HumbleDollar
WHEN WE MAKE INVESTMENT mistakes, often bad advice is to blame. Someone recommends a stock or annuity or no-risk rental property, and we’re so tantalized by the upside that we completely miss the pitfalls. Sound familiar? As a counterpoint to this common trope, I wanted to share my best investment—one I never would have made if I hadn’t listened to those around me. Before I officially closed on my house in Philadelphia, my parents drove by, The post Land Grab appeared first on HumbleDollar.
Read More

Pop Quiz How Serious Are You About Early Retirement?

May 18 3:10am Retire by 40
Let’s have a little fun today about a “serious” topic. I’ve got a pop quiz for you. A quiz is never fun when you’re in school, but this is an easy Cosmopolitan magazine type of quiz. Don’t worry, it will be easy to answer and you can finish in just a few minutes. Besides, wouldn’t […] Pop Quiz – How Serious Are You About Early Retirement? is a post from: Copyright © 2010-2016 Retire By 40 All Rights Reserved Find us on Google+...
Read More

Best Deals for Thursday 05/18/2017

May 18 3:00am Wise Bread
Link for teaser title:  http://www.wisebread.com/bestdeals/today Caravelle New York Men's Analog Black Watch 85\% Off, Gypsy Leather Purse Crossbody Satchel 80\% Off, 3 in 1 Personal Manicure & Pedicure Travel & Grooming Kit $8...and more fabulous offers!...
Read More

Smart Ways to Save on the Summer Cooling Bill to Start Now

May 17 11:26pm Money Spruce
Rejoice, the summer months are almost here, and we have even flirted with August temperatures in the Midwest for a while now, enough that the air conditioning has been kicking on quite a bit.  This could be a great time to check your home for efficiency to ensure that you do not have any outside heat coming in, causing the air to kick on more than it should. Use a Programmable Thermostat It’s hard to imagine any homes out there without a programmable thermostat, especially considering most out there now are even Wi-Fi that you can program on your phone, … This post originally appears here: Smart Ways to Save on the Summer Cooling Bill to Start Now...
Read More

Subscribe to the forums

May 17 9:49pm Early Retirement Extreme
I burned a feed for the forums so you can subscribe via RSS (google reader et. al). Lots of good info there. They include topics I don’t normally cover on the blog, such as specific countries, which states are best for early retirement, careers, etc. You don’t need to register an account to read the […]...
Read More

Join Our Tweetchat on Thursday 5/18, 12pm Pacific for a Chance to Win Prizes

May 17 7:00pm Wise Bread
Join our Tweetchat this Thursday at 12:00 pm Pacific for lively conversation and a chance to win one of two $10 Amazon GCs! Use #WBChat to participate. This week's topic: Having a Frugal Memorial Day! Learn about saving on decor, frugal Memorial Day parties, cutting costs on holiday weekend travel, and more! Let us know your Memorial Day plans and share with us your top tip for keeping Memorial Day frugal! For an easy way to keep track of the conversation, try using our special Tweetchat Chatroom. Anyone can participate, but you must be following @WiseBread and RSVP below to win our prize! 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 article is from Ashley Jacobs of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: Join Our Tweetchat on Thursday 5/11, 12pm Pacific for a Chance to Win Prizes Getting Your Financial Life Together: Highlights from Our Chat With Erin Lowry Join Our Tweetchat on Thursday 4/6, 12pm Pacific for a Chance to Win Prizes Join Our Tweetchat on Thursday 5/4, 12pm PST for a Chance to Win Prizes! Join Our Tweetchat on Thursday 1/5, 12pm PST for a Chance to Win $200 in Prizes!...
Read More

10 Reasons Your Business Needs a Digital Marketing Strategy

May 17 6:51pm Free Money Wisdom
Most business owners would agree that the most important part of their business are their customers. After all, without them, you wouldn’t be in business. In today’s technology-driven world, figuring out a way to reach those customers who are always connected may be challenging for you. However, that doesn’t mean you shouldn’t try. While traditional […]...
Read More

Simple Tricks for Maintaining Accurate Small Business Accounts

May 17 6:04pm Money Soldiers
Running a small business is tough at times. There are a hundred things to think about and updating the books is probably not top of your to-do list. Yet, it should be, as up-to-date accounts provide a small business owner with an accurate snapshot of the business’s current financial position. And as any SME knows, […] The post Simple Tricks for Maintaining Accurate Small Business Accounts appeared first on Money Soldiers.
Read More

Top Tricks to Enhance Customer Experience

May 17 5:56pm Money Soldiers
Whether you own a retail store or an entertainment venue, the key to generating consistent revenue is mapping and engineering every aspect of the consumer experience. For all businesses that rely on conversions to survive and thrive, the art of persuasion is a skill that should be nurtured and optimised, day-in, day-out in order to […] The post Top Tricks to Enhance Customer Experience appeared first on Money Soldiers.
Read More

9 Ways to Get Free or Cheap Therapy When You Dont Have Health Insurance

May 17 5:12pm The Penny Hoarder
Mental health care can be expensive, especially if you have poor -- or no -- health insurance. Here are nine strategies for finding affordable or free mental health services. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

Sign Up for FreedomPops Free Mobile Service for Your Teen

May 17 3:33pm PT Money
This post is brought to you by FreedomPop. While this post was sponsored by FreedomPop, all content and opinions expressed here are my own. My oldest child is currently only 6 years old, but I suspect I only have another four or five years before he starts pestering me for a cell phone. Though my […] The post Sign Up for FreedomPop’s Free Mobile Service for Your Teen appeared first on PT Money.
Read More

10 Thoughtful Gifts That Arent Cash for College-Bound Graduates

May 17 3:00pm The Penny Hoarder
High school graduations don't have to mean emptying your wallet for gifts. Here are 10 high school graduation gift ideas that don’t involve slapping cash in a card. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

Why You Should Have a Digital Wallet

May 17 2:28pm The Financial Blogger
One of my first jobs was to work in a store as a cashier, among other tasks. Back then – and that is not too long ago – I’d wait for the clients to take their wallet out, calculate their spare change and finally pay their goods. I must admit that during a busy day, […]...
Read More

A specific case of fitting your money to your unique crazy vision

May 17 2:03pm Creative Money
  A very specific case of getting CREATIVE with your money vision. This case is real, but personal details have been changed to protect the innocent. Jane was tired.  In her early forties, she just didn’t have the energy to face down another 20 years of doing her exact same job. Dick, her husband, loved… The post A specific case of fitting your money to your unique crazy vision appeared first on Creative Money.
Read More

This Mom Rarely Pays for Groceries. Heres Her Couponing Strategy

May 17 2:00pm The Penny Hoarder
This mom pays almost nothing for full carts of food for her family, so we interviewed her to learn her best couponing tips and strategies. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

7-Elevens Letting You Fill Almost Anything You Want With Slurpee for $1.50

May 17 1:40pm The Penny Hoarder
Get your straws ready: It’s Bring Your Own Cup Day at 7-Eleven! And this year, it’s especially sweet. Here’s what you need to know for the big day. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

The Ultimate Guide to Babysitting (Plus How to Command a Higher Rate)

May 17 1:31pm The Penny Hoarder
If you've ever considered watching kids for some extra cash, now's the time. Here’s how to find babysitting jobs and increase your rate. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

How to Buy and Sell a Home at the Same Time

May 17 1:00pm Wise Bread
Selling a home is an overwhelming experience. Buying a home is an overwhelming experience. When you’re moving, you’re often taking on both those herculean tasks simultaneously, or within a very short time frame. Here's a comprehensive checklist of all the financial and logistical concerns you need take care of during this doubly complex process. Your Sale Get your house ready for the best offer possible. Start the selling process before you find your next home. Once your home is on the market, it may take three months or longer to sell – and that’s not counting the two to four weeks needed to prepare a well-kept home for market. More time is needed is you have years’ worth of clutter to pack up or plan extensive staging or repairs. Most people will need their sale proceeds for the down payment on the new home. But even if you can afford to buy before you sell, keep in mind that selling first puts you in a better negotiating position. A truly simultaneous close, where you sell and buy on the same day, can be risky, because if you’re sale transaction falls through at the last minute, your purchase is endangered as well. Use the sale contract to make sure you don’t end up homeless. Assuming you haven’t yet purchased a home when your accept an offer, your agent can put a contingency in the contract saying you don’t have to go through with the deal if you don’t find a new house. Or if the buyer won’t accept that, at least ask for a slow close to give yourself time to shop. You can also ask for the right to rent the home back from the new owners after the close if necessary. Pick the best agent, and fill her in on your situation. Get recommendations from friends and family who have sold in your area recently, research online reviews, and interview potential agents carefully. During the interview, mention that you are shopping for a new home around the same time that you’re selling. Whether you choice to have your selling agent also represent you as a buyer is up to you, and there are pros and cons either way. Make sure the agent you hire is on board with your choice. Cooperate with your agent. Keep the house clean, decluttered and smelling good, and for goodness sake never be home when the prospects arrive. When your agent call with a s...
Read More

If you can't get New York's free tuition, here are 10 more states with cheap college costs

May 17 12:26pm Personal Finance
New York will start phasing in its free-college program this fall. These 10 states have the cheapest tuition.
Read More

Come One, Come All: The Cat Circus is Real and Its Hiring Right Meow

May 17 12:00pm The Penny Hoarder
Want to travel the country with a whole troupe of tabbies? The cat circus is a real thing -- and it’s hiring for two positions right meow. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

022: End Your Financial Stress Now with Emily Guy Birken

May 17 11:58am PT Money
Emily Guy Birken is a former English teacher and respected personal finance writer. She has written four books: The Five Years Before You Retire, Choose Your Retirement, Making Social Security Work for You, and her newest, End Financial Stress Now. She lives in Milwaukee, Wisconsin with her engineer husband and two high-energy little boys. Emily […] The post 022: End Your Financial Stress Now with Emily Guy Birken appeared first on PT Money.
Read More

Gift Cards Are NOT Free Money!

May 17 11:48am Clever Dude Personal Finance & Money
Gift cards are not free money. Even the most frugal and budget minded spenders sometimes view gift cards as different, and throw out all the spending rules they usually adhere to. But to get the very most out of their gift cards, they need to be thought of what they really are, cash in a […]...
Read More

How to Recover Debts Owed to Your Business

May 17 11:31am Modest Money
There are many traits of behaviour that could alert you to delaying customers. Unfortunately, over 80\% of businesses have fallen victim to late payments, which can cause many problems in… The post How to Recover Debts Owed to Your Business appeared first on Modest Money.
Read More

3 Defense Stocks to Own in Uncertain Times

May 17 10:55am Modest Money
The world is a scary place right now. We have been dealing with terror groups for years now and tensions with other countries like North Korea are high. Many people… The post 3 Defense Stocks to Own in Uncertain Times appeared first on Modest Money.
Read More

Stockpile: Making Investing Affordable For Everyone

May 17 10:51am MoneySmartGuides.com
One of the biggest challenges to being a stock investor is having the money to invest. If you invest with most brokers, you can only buy whole shares of stock. So in order to buy one share of Amazon, you need $950 plus the trading fee. That puts stock investing out of reach for many […] The post Stockpile: Making Investing Affordable For Everyone appeared first on MoneySmartGuides.com.
Read More

Millennial Avocado Toast Analysis: Permission To Splurge

May 17 10:48am Financial Samurai
“When I was trying to buy my first home, I wasn’t buying smashed avocado for $19 and four coffees at $4 each,” Tim Gurner, an Australian property mogul told 60 Minutes. “We’re at a point now where the expectations of younger people are very, very high,” Gruner said. “They want to eat out every day,Read More...
Read More

4 Ways to Guarantee a Secure Retirement

May 17 10:08am Pinching Pennies
      Growing old is something that happens and we can’t stop it. However, what we can do is plan around it so that when we do get old and slow, we can still live fulfilling lives that are meaningful and enjoyable. But in order to do that, we need to prepare ourselves by […]...
Read More

The Ant, the Grasshopper, and the Child

May 17 10:00am The Simple Dollar
When I was a kid, my parents had a few relatives and friends that were pretty big spenders. I had a cousin who always had the latest everything – if a new hot video game had just come out, you could rest assured that he had it. There was a friend of my father who collected trading cards and had a collection that blew away my own meager stacks. One particular friend seemed to always be driving a new car. ... The post The Ant, the Grasshopper, and the Child appeared first on The Simple Dollar.
Read More

Advisors are preparing young clients for the $30 trillion (with a T) transfer of wealth

May 17 9:58am Financial Advisor Hub
Younger advisors are playing an important role in capturing the $30 trillion boomers will pass on to their kids.
Read More

Why a Solo 401(k) is the Best Retirement Plan for the Self-Employed

May 17 9:05am The Dough Roller
If you’re self-employed, you have several retirement plan options available to you as an individual or small business owner. But probably the best of the lot is the Solo 401(k). It has similar advantages to the traditional, employer-sponsored 401(k) plans available to large companies. However, it brings with it even more benefits, because you’re self-employed. How a Solo […] The post Why a Solo 401(k) is the Best Retirement Plan for the Self-Employed appeared first on The Dough Roller.
Read More

The Highs and Lows of Peer-to-Peer Investing

May 17 9:00am Investor Junkie
The following post about peer-to-peer investing is by ESI from ESI Money, a blog about achieving financial independence through earning, saving and investing (ESI). It was written by an early […] The Highs and Lows of Peer-to-Peer Investing is from Investor Junkie Copyright © Empowering Media, Inc. All Rights Reserved.
Read More

Scammers are out to wreck your vacation travel plans

May 17 8:43am Personal Finance
Sometimes that cheap summer holiday trip is too good to be true.
Read More

Heres Why People With Poor Credit Scores Pay 114% More for Home Insurance

May 17 8:00am The Penny Hoarder
This new report says your credit score is having more and more of an impact on your homeowners insurance rates. Here’s what you need to know... This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
Read More

Here are 10 financial terms everyone should know

May 17 7:59am Financial Advisor Hub
To help ensure that you're savvy about your own finances, here's a list of the top 10 key terms that you should know.
Read More

Warning: Dont Jump Into this Dark Kiddie Pool

May 17 7:44am A Teachable Moment
Ustocktrade L.L.C. just lobbed a big turd into the dark pool. Its founder, Tony Weeresinghe, has inexplicably created a private stock exchange where novice investors can trade with each other in secret. Professional investors buy and sell stocks in the murky waters of dark pool exchanges for specific purposes. They want to keep their strategies secret......
Read More

Financial Coaching vs. Financial Counseling

May 17 7:05am Personal Finance Blog | LSS
This blog is inspired by an article I recently read about a person’s experience with financial coaching. Even if you don’t make it through this blog, read the article because it is inspirational. What’s the difference between financial counseling and… Read more › The post Financial Coaching vs. Financial Counseling appeared first on Personal Finance Blog | LSS.
Read More

Emerging Software Solutions To Illustrate Safe Withdrawal Rates To Pre-Retirees

May 17 7:01am Kitces.com
The so-called “4\% rule” safe withdrawal rate is one of the most popular ways to talk about the sustainability of retirement income, yet ironically no financial planning software solution has ever been created to illustrate the safe withdrawal rate approach. In part, that’s simply because most financial planners jump straight to the stage of collectingRead More...
Read More