How the Typical Family Pays for College

The Wall Street Journal gives a three-year countdown for college saving as follows: Three Years Out: While you've hopefully been setting money aside since your teen was a baby, this is the time to get your college savings on the fast track. Two Years Out: Continue funding your 529 and other savings accounts, upping the amount if possible. […]

3 Ways to Beat the Return of a CD

The challenge is out there. Financial writers love to trash the CD and the savings account but in an economy that is taking people’s wealth faster than our credit cards, we can’t put our money in to just anything. The CD and the savings account are safe but they won’t make you any money. Still, though, if we’re going to snub the CD, shouldn’t we give our readers some alternatives? […]

Add Foreign Investments to Diversify Your Portfolio

One of the cornerstones of investing is diversity. You are probably very aware of the importance of diversifying across asset classes, as well as diversifying across industries. Many people, though, overlook foreign investments when considering how they can add diversity to a portfolio. This can be a mistake. […]

Discover Credit Cards Review

Sears introduced the Discover Card in 1985 and sold off the business to the independent company Discover Financial Services. Over the last few years, Discover has made some excellent strides in strengthening their somewhat ill-respected brand by expanding coverage. The company’s credit cards are now accepted almost everywhere Visa, MasterCard and American Express are. […]

Would You Do Your Job for Free?

Lifehacker likes the saying "If you wouldn't do you job for free, then quit." Personally, I think it's unrealistic and a load of hogwash.I would argue that very few people actually could find any job that they would do for free that would pay any sort of living wage.For instance, here are things I see American's being willing to do for free: Sleep Eat Watch football Visit with friends Take […]

Can You Afford to Have Kids in This Economy?

Having children is a thought many couples are thrilled to share. They picture their wonderful family, fully equipped with 2.5 children and a Labrador or Golden retriever, and a nice home in a quiet neighborhood. […]

The Simple Dollar Weekly Roundup: How I Round Up Edition

How do I select the links that I use in the weekly roundup? Each day, I visit quite a few personal finance blogs and blogs on related topics such as personal growth. […]

2012 Federal Income Tax Brackets (IRS Tax Rates)

Every year around this time, tax experts get together and use inflation data to project what the next year’s income tax brackets will look like. […]

2012 Federal Income Tax Brackets and Marginal Rates

While it’s still early, tax experts have begun offering their expectations for the 2012 federal income tax brackets. In April 2012, you’ll need to be concerned with the 2011 tax brackets to file your 2011 income tax returns. […]

Comparing Presidential Tax Returns

One always looks forward to the annual ritual of the White House releasing the President’s tax return because it feeds one of our guilty pleasures – financial voyeurism. This year is no different as pundits pick apart the return and look to draw conclusions about the President’s financial life. […]

Free Money from Banks! (But Watch the Fine Print)

This post is from GRS staff writer Donna Freedman. Donna writes a personal finance column for MSN Money, and writes about frugality and intentional living at Surviving And Thriving. I earned $200 in less than an hour the other day, without removing any of my clothes. […]

How to Learn From Your Mistakes

Failure is often championed as a critical step in the path to eventual success. The accomplished are those who know how to learn from their mistakes, not people who never make mistakes. Billionaire Richard Branson is among those very successful business leaders who have overcome failure. As founder of Virgin Group, he says that he routinely learns from mistakes such as the Virgin Cola fiasco. […]

Best Money Tips: Save and Shop Smart

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on saving and shopping smart, tips for shopping consignment sales, and career lessons from Julia Child. Top 5 Articles 9 Simple Ways to Save and Shop Smart — Want to save money? Develop a love of leftovers! […]

Upgrade Your Home Decor for Less

On our road to a life of frugality, there are many things we tend to ignore and go without in order to keep making ends meet. One area that we often neglect in order to keep the bills paid and food on the table is the interior of our homes. […]

Financial Strategy #4: Getting Professional Help

The book Your Stronger Financial Future: The Eight Essential Strategies for Making Profitable Investments lists eight misconceptions, truths, and strategies to help readers deal with a variety of major financial issues. I'll be highlighting these in several posts and giving you my thoughts on them.Today we'll look at strategy #4 which deals with getting professional help with your finances. […]

Preferred Stock vs Common Stock Investing

When I first embarked on learning stock market basics, I thought that a stock was a stock was a stock, but there are actually two distinct forms: preferred and common. Let’s talk about the differences and show some examples of each type. Common Stock Investing: What’s Involved? […]

The Waiting Game

Recently, a friend of mine offered up an interesting thought on personal finance issues: “You know what the worst part about getting your money straight is? The waiting. It doesn’t happen overnight. It can take years. All of that waiting on your debts to go away is just excruciating.” I know exactly what he means – and it’s not just the debts either. […]

Spare Change: Missing Person Edition

Most of the time, I use these weekly links round-ups as a chance to share bits and pieces about non-financial aspects of my life. Today’s a bit different. Today’s edition features a bit of a public service. Every summer, more than 2000 bicyclists participate in Cycle Oregon, a week-long tour of our beautiful state. I’ve done the weekend ride before, and someday hope to the extended adventure. […]