October 9, 2009

Friday Fiscals link love

A few weeks ago, the Recaptcha at one site I visited was “Fiscals Friday.”  So, I switched the order of the words, and there you are. […]

The “Local Store Premium” – How Much Is It Worth to You?

When I was in college, there was a local independent bookstore – the name completely escapes me now, but I could still almost walk to it blindfolded – not too terribly far from campus. It was a very popular hangout for the heavy reading crowd and the store did all they could to maximize customer loyalty, both with students and people in the broader community. […]

Four Documents You'll Need as Part of Your Estate Plan

Here are some thoughts from the great personal finance book Grow Your Money!: 101 Easy Tips to Plan, Save, and Invest. […]

ING Direct “Added Value” CDs

Earlier this week, ING Direct announced a new promotion aimed at generating more deposits. Dubbed the “Added Value” CD, they are offering a 12 month CD that pays a 0.15% premium over and above their standard rate. As of right now, that means you’ll get 2.25% APY vs. the standard 2.10% APY. The catch here is that you have to fund the CD with “new money” that is transferred in from elsewhere. […]

$8,000 First-Time Homebuyer Credit to be Extended for Military

Yesterday, the House of Representatives voted 416 to 0 to pass the Service Members Home Ownership Tax Act of 2009 which extends the current $8,000 first-time home buyer tax credit for another 12 months for members of the military, Foreign Service, and intelligence corp who served at least three months of qualified overseas duty in 2009. […]

It's Time to Purchase Like It's 1999

By Stacy Johnson If you believe the US economy is never going to recover, grab some canned food and a gun and head for Montana. But if you do, it’s probably time to invest. Or at least spend. As I point out in the accompanying news story, prices on some major assets are priced like it’s 1999. And if past is prologue that means there’s money to be made. Perhaps major money. […]

Best Deals for Friday 10/09/09

By Lynn Truong Today's WISEBUY. Restaurant.com Coupon: 80% off Gift Certificates Restaurant.com cuts 80% off any gift certificate via coupon code FOUR. That cuts $25 dining certificates to $2 and $10 gift certificates to 60 cents.    FREE Breakfast at IKEA Valid Sat 10/10 - Mon 10/12. Limit one per customer. Offer valid for one small breakfast and one cup of coffee. […]

The Ultimate Thrift Store: How Far Will You Go for a Bargain?

By Marla Walters My neighbor, NJ, dropped by the house recently with a gift bag. “Just a little something to brighten your day,” she said. Inside the bag was a beautiful blouse bearing the label of Coldwater Creek. I was thrilled, and started to thank her profusely. “No biggie,” she said. “I got it at the dump.” The next week, I saw my co-worker, Rosemary, in the hall. […]

Help a Reader: Saving for College

I recently received the following email from a reader: My wife and I recently found out we are having our first child.  We are very excited!  I am 27 years old (and my wife is near that) and we are doing OK financially.  The only debt we have right now is our mortgage.  I was wondering what people's advice is for what we should do financially.  We want to start saving for college and we want to […]

Frugal Soups and Stews: Great Solutions for Busy Weekends

Many weekends – like this upcoming one, for instance – our family is quite busy. We have guests over. We go on family excursions to places like the Science Center of Iowa. We shop for groceries. We go to club meetings. We go to church. We play for hours with the kids. We get caught up on housework – and on our reading. […]

Is a Prepaid Debit Card Really Cheaper and Better than a Bank Debit Card?

By Xin Lu A few month ago, my husband received an unsolicited Visa Debit Card from NetSpend and I wrote about it here on Wise Bread. I admit that I did not know much about NetSpend at that time besides that they were sending out unsolicited cards. According to the comments many people received these unwelcomed cards, and some were even sent to to their pets, underaged kids, and ex-husband. […]

Friday Finance Findings for October 9th

Wow, where have the past few weeks gone? It has been a busy around here lately. As I may have mentioned in one of the last roundups we were in the process of trying to buy a new house. Amazingly enough, we’ve already been living in the new place for three weeks! Of course, we still aren’t completely unpacked, so it still doesn’t quite feel like home. […]

7 Ways to Save on Cat Care

By Kathryn Katz According to the 2009/2010 National Pet Owners Survey, Americans will spend approximately $45.4 billion on their pets. Before you get out that frugal yard stick and start lecturing about spending too much money on cat trees, catnip toys and feather ticklers, understand that the majority of those expenses are spent on vets. […]

Minimalist Money: 6 Steps to Simplify Your Financial Life

This is a guest post from Leo Babauta of the simplicity blog, Zen Habits. Leo also recently started a new blog about minimalism, mnmlist.com. Finances are one of the most complicated things in many people’s lives … and yet, they don’t have to be. With a little effort, you can simplify your financial life and end the money headaches most people face. I consider myself a minimalist. […]

Friday Discussion: The Need for and Cost of Health Care Reform

I visit a doctor once a year at the most, and I hardly require prescription medicine. The cost of my health insurance premium is about $800 this year for my HMO plan. My employer pays a larger percentage of the total premium, but the prices increase each year by a percentage much higher than inflation. […]

Your Take: What Are Your Rules of Thumb?

There are a lot of “rules of thumb” in the personal finance world. We all know the classic ones: you should save at least 10% of your income, you should have 6 – 12 months of expenses saved into an emergency fund, and you should X% of your portfolio invested in stocks where X is 120 minus your age. […]

Current 0% Balance Transfer Offers

A reader named Hannah recently wrote in to ask about current 0% balance transfer offers. It seems that she took advantage of a 12 month offer last November, and is now looking for another to extend her 0% promo period with a new offer. Unfortunately, credit card issuers have gotten increasingly stingy with their offers over the past year or so. […]

Who's Middle Class?

Here's an interesting piece from MSN Money on who actually makes up the "middle class" in various parts of the world. Unfortunately, it's an elusive answer since there's a big difference in how people FEEL and how they actually compare to others when you look at the numbers. […]

Carnivals for the Week of Oct 5

For weekday updates of what I find to be some of the most interesting personal finance articles on the web, follow me on Twitter. […]