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Who's Ready for a New Breed of Prepaid Debit Card?

By Guest Blogger(view all posts by Odysseas.Papadimitriou)
at 10:58AM Friday September 23, 2011
under Personal Finance

If I asked you how direct deposit works, you'd probably say something along the lines of: "It's when your employer pays you by depositing your pay check directly into your bank account."  Whatever the exact wording is, you're likely to mention a "bank account" or "checking account" somewhere along the line.  While all of that is currently true and to be expected, you answer might be quite a bit different in just a couple of months. Read More »

Buy Like Buffett: Implementing Your Own Personal Budget Control Act

By Guest Blogger(view all posts by Mark.Riddix)
at 8:52AM Tuesday September 20, 2011
under Personal Finance

A lot of people have trouble trying to live within their means on a monthly basis. These individuals would like to save money but have a hard time trying to spend less than they make. They find themselves frustrated month after month because of their inability to make any progress at saving money. In order to reach your savings goal, you should enact the following tactics to make your plan a reality. Read More »

Buy Like Buffett: Having a Backup Jobs Plan for Your Career

By Guest Blogger(view all posts by Mark.Riddix)
at 8:57AM Tuesday September 13, 2011
under Personal Finance

One of the most overlooked areas of personal finance is career planning. Career planning is absolutely essential to the personal finance arena because it is the area that provides you with the bulk of your income. There was a time that you would get a job and keep it for your entire working life. This is no longer the case. With companies laying off left and right, you need to do everything possible to protect your income.

Here are a few strategies that you can take to be proactive in the event of a layoff. Read More »

Surviving in Today's Society as a Single Parent

By (view all posts by ebbeszoo)
at 11:53AM Sunday September 11, 2011
under Personal Finance

Unfortunately, more and more people in today's society are becoming single parents. The reason for this could be due to the growing divorce rate or perhaps the decreased rate of marriages in the first place. According to the U.S. Census Bureau in November, 2009, there are approximately 13.7 million single parents in the United States today, and those parents are responsible for raising 21.8 million children (approximately 26% of children under 21 in the U.S. today).

Being a parent in today's world is expensive either way, but being a single parent is beyond affordable! However, 13.7% of parents are expected to do this in one way or another, everyday. As for myself, I became a single parent of three children in 2006 after my divorce. Is it possible? Yes, it's possible. I'm living proof one can do it even in today's society, however, be prepared to make some changes. Read More »

The Subtle Gimmick of the Sony Rewards Card

By (view all posts by aksekar)
at 7:58AM Wednesday September 7, 2011
under Personal Finance

On its surface, the Sony credit card seems to be a great deal. It earns five Sony bonus points per $1 spent on Sony products, three points per $1 spent on dining and movies, and one point per $1 spent elsewhere. And even better, it seems that Sony points are actually worth what you'd expect. Many rewards programs give you 1 point per $1, only to devalue the points so that your effective rewards rate is much lower. 

So when I saw that the Sony card wasn't playing into such gimmickry, I got excited. Then I read a little closer. Read More »

Buy Like Buffett: Keep Your Personal Debt Crisis from Destroying Your Life

By Guest Blogger(view all posts by Mark.Riddix)
at 7:56AM Tuesday September 6, 2011
under Personal Finance

Debt is a major issue in the lives of most Americans. Debt problems do not only affect your emotional life but many other areas of your life too. Debt issues can cause you increased stress, emotional turmoil and become mentally exhausting. It is important to deal with debt in a healthy manner so that it does not totally wreck other aspects of your life.

Here are a few ways that you can deal with debt that will keep you from pulling your hair out. Read More »

Financing Your Business with Credit: An Entrepreneur's Guide

By (view all posts by SheilaWaters)
at 11:54AM Tuesday August 30, 2011
under Personal Finance

If you recently formed an LLC or registered your business with your state, you may have found your mailbox stuffed with business credit card offers. But before you sign your name on the dotted line, consider how you'll use the card.

Here are some tips on properly managing your business account and keeping your finances in order. Read More »

Buy Like Buffett: Preparing Your Finances in Case of Natural Disasters

By Guest Blogger(view all posts by Mark.Riddix)
at 8:55AM Tuesday August 30, 2011
under Personal Finance

Image by Justin Hobson (Justin1569 at en.wikipedia) via Wikimedia Commons

The recent hurricane on the East Coast has helped to focus efforts on the importance of being prepared in the event of an emergency. Items like non perishable food, water, flashlights, batteries, and candles are essential for when catastrophe strikes. In your financial life, there is certain information that you should always have handy in the event of an emergency.

Let's take a look at them. Read More »

Buy Like Buffett: Ways to Save Money in a Weak Economy

By Guest Blogger(view all posts by Mark.Riddix)
at 7:54AM Tuesday August 23, 2011
under Personal Finance

A bad economy has a lot of negative correlations including higher unemployment and difficult financial times. There are however some benefits to a bad economy, such as lower prices. Consumers can get a better deal on products than they can when the economy is booming. These extra savings can help to put more money in your monthly budget.

Here are a few tips to help you save money in a weak economy. Read More »

Buy Like Buffett: Four Tips for Maximizing Savings and Retirement Planning

By Guest Blogger(view all posts by Mark.Riddix)
at 8:56AM Tuesday August 16, 2011
under Personal Finance

Retirement is the number one thing on the mind of most people that work. They spend their entire lives trying to save up enough income so they can one day realize their dreams of not having to work anymore. In order to reach the retirement paradise, you have to start planning now so you will have enough income to last you for the rest of your life.

Here are a few tips to make sure that you have enough retirement income.
Read More »

Rewards Programs: How Stores Buy Love and Loyalty

By (view all posts by aksekar)
at 11:58AM Monday August 15, 2011
under Personal Finance

As consumers increasingly use the Internet, mobile apps and word of mouth to comparison-shop, retailers find themselves struggling to retain customers they once considered steady. New pitches to attract new customers and keep old ones involve traditional community engagement events as well as social media. Loyalty programs are a tried-and-true method of keeping customers engaged, whether by giving Starbucks addicts a personalized reloadable card or inviting frequent Nordstrom shoppers to exclusive events.

Two major gas companies have taken vastly different routes to monetize their most loyal customers. Read More »

Save on Summer Travel with Your Credit Card

By (view all posts by SheilaWaters)
at 9:54AM Friday August 12, 2011
under Personal Finance

As we approach the end of the summer holidays, it's time to take one last look on how you can save during your vacation. It turns out that your credit card may be a great way to cut down on costs. You might even have benefits that you don't even know about! Here are some tips on using your credit card to save money while still enjoying a well-deserved vacation. Read More »