September 10, 2009

Poll: Saving $50 Beats Diets, Love & Time

If you had a choice between saving an extra $50 a week or gaining an extra hour daily, what would you do? I vote for the extra hour, (seven hours a week). But more money beat out diet, time and sex, according to this recent survey from Here is a snippet from the full survey results:- Over half (57%) of those surveyed would rather save $50 an extra week- vs. […]

When Your Investment Portfolio Returns To New Highs

Six months ago, the Dow Jones closed at 6,700. Look at it now! So far, my earlier prognostications and expectations about the stock market possibly revisiting its lows somewhere at the 6,000 level for the DJIA, have been proven “wrong” (I owe some of these prognostications to the influence of my other half who still can’t feel the love for our economy). […]

Daily Links: Bringing the Bling Edition

An Australian credit card site has compiled a list of the top 25 most badass personal finance bloggers. What does it take to be a badass personal finance blogger? I have no idea. “Badass” is not a term I would ever use to describe myself, but I’m there — and so is new GRS staff writer Adam Baker. Several folks on the list — including Baker and me — got our very own “badass” caricatures. […]

12 Clever Substitutions That Save Money (Nearly) Effortlessly

One of my favorite ways to trim money from my spending is to find simple little substitutes for my regular expenses. If I can trim a few bucks from the cost of household supplies, routine purchases, and other things like that, over the long run, that can add up to a lot of money with virtually no change in my life. […]

The Problems with Rebates

Consumer Reports details how many people send in rebates as follows: 47% always/often 23% sometimes 25% never 5% N/A Of the 25% that never send them in, the top reasons are: 52% - too many steps 46% - amount too small 42% - missed deadline 32% - feared placement on mailing list 30% - lost receipt 26% - doubted they'd get the money I have a love-hate relationship with rebates -- […]

Five Lowest Paying College Majors

Earlier this week, we talked about the value of a “high end” college degree. Today, I wanted to follow that up by highlighting this list of the five lowest paying college majors… Lowest paying college majors Social work Special education Elementary education Home economics Music and dance Rounding out the top (bottom?) ten are: drama, leisure studies, philosophy, art, and audiology. […]

Ramp Up Your Business by Specializing

By Nora Dunn As an entrepreneur, you would think that precluding certain types of customers in favor of a smaller – but specialized – market would be akin to shooting yourself in the foot. […]

How to Close an HSBC Online Savings Account

In another move to simplify my personal finances, I closed my HSBC online savings account today. At the current interest rate of 1.45% APY, it was in the bottom half of the online banks listed on my high yield savings account rates table; simply not worth keeping around anymore. HSBC Account Closing Process Closing the HSBC online savings account was simple. […]

Seven Tips for Job Hunters

US News lists 17 rules for job seekers. I especially like these: 3. On the resume and in the interview, don’t talk about how hard you worked. Stress what was achieved. 4. Don’t forget to give credit to others. Employers are suspicious of "solo" performances. 8. Project an attitude of Interested. That’s in contrast to Abnormally Interested and Desperate. 9. Be nice to everyone. […]

Ask the Readers: Are You Saving Up for an Emergency?

By Linsey Knerl   The winners of the $10 Amazon Gift Card are: Comment #16: I was amazed to find a lot submitted by Terry D - "I was amazed to find a lot of people blogging about preparing for The End Of Life As We Know It. Peak oil and climate change are worrisome enough without trying to stockpile supplies in my garage or basement. […]

Best Deals For Thursday 9/10/09

By Paul Michael Today's WISEBUY. Up To 86% Off Diesel Apparel And Shoes At (dealnews) Today only, offers Diesel men's and women's apparel for $29.95 and shoes for $39.95. That's up to 86% off. Pay $6.95 for shipping.   1. FREE Flu Shots For The Uninsured Or Unemployed Probably the most important freebie we've ever mentioned. Read the details at the link above.   2. […]

Brush Up on Your Job Skills and Performance So That You Can Keep Your Job or Get a Raise

Now is Not the Time to be Complacent in the Workplace When you sit down and look at your finances you’re probably mostly focused on expenses and spending. How much money do you spend on housing, groceries, insurance, and even taxes? What is often overlooked is income. Without income none of the aforementioned items will even matter. […]

Site Upgrade In Progress

Please pardon my progress as I work to upgrade the look of No Credit Needed.  There was a conflict between my old theme and the latest Wordpress upgrade, so I need to make a few changes.  I should have everything sorted out soon.  Thanks. Follow me via TwitterSite Upgrade In Progress Tweet This!Stumble upon something good? […]

Debt-Free Living IS Attainable: If You Want It, You Can Have It

By Adam Baker This is part two of my Getting Out of Debt: The Essentials series. Before we start plowing into the specifics of paying off debt, we've got to build a durable mental foundation. This is so important that I've devoted the first two of seven parts of this series to cultivating this mindset. […]

The 1-2-3 Money Plan

For years, people who know me well have been encouraging me to read Michael Chabon’s The Amazing Adventures of Kavalier & Clay. “You’ll love it,” they’d tell me. “A lot of it is about comic books.” My friends were right: I’m the target audience for this book. Here it is late Wednesday night, and I’ve spent the past few hours unable to put it down. […]

Wedding Donations, Smart or Tacky?

The recession has forced almost everyone to make a change in one way or another. For one Atlanta couple, their wedding has turned into more than they had anticipated. Vanessa Caldwell and Cole Parker are getting married  on Nov. 11, and needed a way to cover their expenses. […]

Are Online Savings Accounts Worth It?

My friend asked me the other day whether I thought high yield savings accounts were worth it. He’s an engineer and a numbers guy at heart, so he appreciates the mathematical differences between an online savings account and your standard no-interest checking account. […]

Another Extreme Makeover Home Edition Home Being Sold

Add this home to the growing list of Extreme Makeover Home Edition homes being sold. The details: The first home in Arizona to get the "Extreme Makeover: Home Edition" treatment is for sale, the family blessed with the two-story mansion saying it is looking to escape the crushing bills that came with the house. The extreme-home asking price: $1.3 million. […]