We’ve 100% officially decided to put our house on the market this month to be rented out. Making us a) automatic investment property owners – woo! and B) Scarrrrrrred out of our mind with all the work we now have to do to get it in tip top shape, haha… But we’ve gotta start somewhere! So all last week we’ve been lining up our ducks to figure out what needs to be done, and when…
As most people filed their tax return before the income tax deadline, it’s now a matter of waiting for that juicy tax return. Most consider tax refunds to be ”free money” that was unaccounted for. And it’s true, you can do whatever you want with the money…
How You Can Try Products Without Buying Them First
Oh, the joy of getting something for free. Ever wondered how to get free stuff to sample. The allure of samples is hard to resist especially when you want to try new products but don’t have the means or courage to spend your money on an item that you may or may not like…
After rolling over my 401(k) into an IRA, I’d like to focus on potentially the single most beneficial reason why everyone should convert their 401(k) into an IRA after they leave their jobs: Rule 72(t).
Rule 72(t) allows for penalty-free withdrawals of your IRA account before the age of 59…
Just about every personal finance guru has an opinion on how much you should contribute to retirement. Their suggestions usually falls between 10% and 20% of your gross income. For as long as I’ve been at this personal finance thing (since 2007), I’ve decided to contribute no less than 15%…
Just ask anyone who bought Apple, at some point during its never-ending rocket to an inevitable $1M per share.
If you bought Apple, as just about everyone in my peer group suggested I do around its peak of $705 (Sept., 2012), you would be down 40%. If you had merely put your money in the S&P 500 index, you’d be up about 10% – or 50% better off over the last eight months…
It’s hardly news to say that credit cards are a big business. You can’t browse the web, listen to the radio, watch a television show, or even open your mailbox without seeing some sort of advertisement for a credit card. And with the number of big name celebrities willing to shill for credit cards (and poke fun at themselves at the same time), it’s pretty clear that all of this advertising is doing its job — generating more customers who owe money…
I did not do well on my budget in April and that is because I wasted too much money on food. I was angry at myself for not meeting my debt reduction targets but today I saw photos from a book that showed how much families around the world spend and I felt disgusted with myself.
I saw photos from a book called Hungry Planet : What The World Eats by Peter Menzel and Faith D’Aluisio…
You’ve always purchased whatever you wanted, whenever you wanted. It’s part of your mentality: you “deserve” to have the things you want because you work so hard.
Adding another $100 to your credit card bill thinking you’ll “pay it off” with your next check is perfectly normal. Um, what about the other $10,987 you said that about?
Nothing’s changed, and you’re feeling increasingly worse the deeper you fall into debt…
What are Canada Savings Bonds?
These are bonds that represent a loan to the Canadian government…
Would you like to have some debts paid off? Maybe you dream of having finished an art project or a major home improvement project. Perhaps you dream of having a social circle to participate in.
We all have things we’d love to accomplish, things that are a bit more real than a daydream but still far away from reality…
Mr. Coffee Cafe Barista Espresso Maker – This is a great gift for moms who enjoy a cup of joe every morning. Amazon has it for only $199…
So, do I start with the good news or the bad news?
Well, let’s get the bad news out of the way, since it’s more a warning at this point and not a run-for-the-exits-right-now bad news story…
However, when you are laid off, rather than fired, your situation is a little bit better. Being laid off provides you with a degree of protection that being fired doesn’t come with.
Laid Off or Fired?
In most cases, whether you are considered laid off or fired depends on the circumstances…
This was the question I asked myself over and over during a really tough time about twelve months ago. It seemed as though anything that could go wrong, did and I had no idea what to do to make it better. If you are struggling to see how you can make life better for yourself, read on to see what I learned back then…
When I was younger my parents would have a garage sale every few years. This helped clear clutter out of our house and get rid of some of mine and my siblings clothes and toys as we got older. This year my wife and I will be having our first garage sale. We’ve been planning on having one for a while now and are excited to unload some old clothes, books, and more…
Can you imagine carrying a credit card balance for 35 years?
As crazy as that may sound, that’s exactly what I did. I was 19 years old when I was introduced to credit card applications.
I was looking for a special gift for a special someone…