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Super Size Your Wallet Not Your Meal

By Guest Blogger(view all posts by howtosavemoney)
at 3:18PM Monday August 2, 2010
under Personal Finance

Almost everyone is aware fast food is not the healthiest choice of a meal however we are a society of consumers who randomly apply logic to the guilty pleasures in life.

We can spend hours doing price comparisons or hunting down that elusive free shipping code, however one of the biggest ways we can save money is simply paying more attention to money spent on our guilty pleasures. No other item can fit the definition of a guilty pleasure as well as the fast food meal.

Fast food is rarely good for our bodies--or our self esteem, but with a hectic lifestyle, who has time to cook right? This question could be easily challenged as we all can find better ways to manage time if we really wanted to--however, lets talk about numbers. Read More »

Ask the Advisor: Investing with One Mutual Fund

By Guest Blogger(view all posts by Kent_Thune)
at 9:19AM Thursday July 29, 2010
under Personal Finance

Question: I have a total of around $5,000 sitting in two separate 401(k) plans and would love to simplify my investment savings (and life) by rolling them both into one account, using just one mutual fund. Can you please give me the name of one fund that I can use until I build up a higher balance? Read More »

Time Management Tips: Making the Best Use of Your Most Precious Resource

By Guest Blogger(view all posts by howtosavemoney)
at 2:42PM Monday July 26, 2010
under Personal Finance

As we get older and more involved with families we naturally realize how time is more valuable. This happens to everyone and while you may not understand it now the day will come when you wish you had more.

Read More »

MLM = Make Little Money?

By Guest Blogger(view all posts by Guest_Blogger)
at 12:47PM Thursday July 22, 2010
under Personal Finance

Multi-level Marketing (MLM) is way to reach for the stars, live out your dreams, work for yourself, be all that you can be--all while making on average $115 per month...

Wait--what?

According to the disclosure from what is arguably the world's largest and most well known multi-level marketing organization, Quixtar (Amway) the average monthly gross MLM income for "active" IBOs (Independent Business Owners) was $115--and, depending upon the definition of "active," may actually be quite a bit lower. Read More »

Ask the Advisor: Back to School Basics of the Coverdell ESA and 529 College Savings Plan

By Guest Blogger(view all posts by Kent_Thune)
at 9:41AM Thursday July 22, 2010
under Personal Finance

Question: What it is the best way to save for college?

This is quite a timely question, not only because back-to-school time is almost upon us but also because the tough economy has forced state government support for schools to decrease significantly, which makes for higher increases in college tuition.

In other words, if you can possibly save a few extra dollars, there has never been a more important time to save for college than now. Read More »

Buy Like Buffett: All Debt is Bad Debt

By Guest Blogger(view all posts by Mark.Riddix)
at 2:56PM Tuesday July 20, 2010
under Personal Finance

I read an interesting Yahoo Finance article on Good Debt vs. Bad Debt. The article was explaining that there is a distinction between good debt and bad debt. Debt that is used to improve your life and add value is good debt whereas debt used for frivolous purposes is bad debt. The subject of debt has been a long debated topic in the world of finance.

Are student loans, mortgage loans and business loans good debts? Read More »

Ask the Advisor: Savings vs. Investing Money in the Stock Market

By Guest Blogger(view all posts by Kent_Thune)
at 12:37PM Thursday July 15, 2010
under Personal Finance

QuestionI lost money in the stock market last year and I'm nervous about losing more. I have at least 20 years until retirement and want to invest money as safely as possible. What is the safest way to save money?

First, it is quite understandable that you would be nervous about investing money in the stock market after experiencing one of the worst economic and financial market crises in a history! It is important, however, to take a big picture view by understanding a few of the basics of investing in stocks: Read More »

Tips for Finding Employment: Job Search Websites

By Guest Blogger(view all posts by ChristopherB)
at 11:32AM Friday July 9, 2010
under Personal Finance

With unemployment numbers higher than ever, millions of people are searching for a new career. How are they doing this, you may ask? While there will always be people who search the classified ads of their local newspaper, the majority are using the internet.

If you don't know the first thing about searching for a job online, the following tips should point you in the right direction: Read More »

Ask the Advisor: Retirement Savings on a Budget

By Guest Blogger(view all posts by Kent_Thune)
at 11:32AM Thursday July 8, 2010
under Personal Finance

Question: I want save for retirement but I don't have much money. Where are some places I can start saving and investing, in a smart way, for retirement with only around $200?

The conventional wisdom says, "It takes money to make money." This is not necessarily true! Saving money doesn't always mean you already have money and it doesn't always mean you are being frugal. When saving money for retirement, for example, there are ways to cut costs and get the most bang for your retirement savings buck. Read More »

Buy Like Buffett: Gain Job Security via Your Own Small Business Startup

By Guest Blogger(view all posts by Mark.Riddix)
at 2:31PM Tuesday July 6, 2010
under Personal Finance

Does the current economy have you looking for ways to earn some extra cash? The U.S. economy has lost nearly eight million jobs and many of these jobs may never come back. The old days of working for a company and staying there for 40 years are long gone. Companies are constantly downsizing and letting employees go to save money.

So, how can you keep yourself from being squeezed by a numbers crunch? By starting your own business of course! You can take control of your career path and gain some much needed job security.

Here are four real ideas that you can start right now that could turn into full time employment. Read More »

Ask the Advisor: Roth IRA as Emergency Fund

By Guest Blogger(view all posts by Kent_Thune)
at 2:22PM Thursday July 1, 2010
under Personal Finance

Question: I've heard and read several opinions on the best account for an emergency fund but very little on using a Roth. Can I use a Roth IRA as an emergency fund?

Before answering the question, I'll cover the basics, at least according to conventional wisdom, on emergency funds. Then we'll get creative with some possible solutions.

As with many personal finance questions, the answer almost always begins with two words: "It depends…" Read More »

Tiger Woods Divorce Settlement Proves Cheaters Never Prosper

By (view all posts by SavingsIQ)
at 1:20PM Thursday July 1, 2010
under Personal Finance

Guys (and gals!), before you put a ring on it, make sure you are protecting your assets in case happily ever after doesn't happen. Sure, I believe in true love and what not, but I also believe that people or circumstances change over time. And unfortunately, there are some people that will take you to the cleaners.

In the second biggest celebrity divorce settlement ever, the Tiger Woods divorce settlement amounts to $750 million dollars to his ex-wife, Elin Nordegren in exchange for her silence.

Are you kidding me?! That amount of money just baffles me. I don't even think I could spend that much in my lifetime. Okay--maybe if I travel around the world and stay in five-star hotels, eat at the best restaurants and shop at luxury high end stores. Still, she's set for life.

In her defense though, he did cheat on her for years with multiple women. I guess karma does suck. Read More »