I never thought of clothing swaps for kids. I do them all the time for myself, why not for the little ones!
I've been in desperate need of a new planner and have been waiting till "back to school" goes on clearance so I can get a deal. I'd also recommend checking amazon for supplies. I feel like everything on there is cheaper.
Some of the large financial organizations (some, not all!) offer index funds in addition to actively-managed funds so it's good to scope those out whether you are investing in a 401(k) or working with a planner/advisor selling funds or just doing things yourself. Not all index funds are created equal so it's wise to check the fees and benchmark returns. Investing in index funds is easily done in many different ways.
And, yes, I've read that about half of actively-managed funds (generally with higher price tags) don't routinely beat passively-managed funds (typically referencing funds that track the S&P 500); in these cases, it doesn't make sense to pay more to earn less.
Thanks for reading! I've embedded an ETF finder in the article but for those who are interested, here is a tool that helps you find ETFs that match mutual funds: http://etfdb.com/tool/mutual-fund-to-etf/
I was never interested in investments until recently and such tips really help me out. If you don't have someone in the family to advise you, there are a lot of 'sharks' that would take advantage
In about a month, I'll look for back to school clothes to go on clearance, and buy the next size up -- for next years' clothes. I like to buy closet staples on clearance (particularly pants), so I know they won't be out of fashion for next year.
It's pretty easy to save on gas with all the rewards programs there are now. If you buy gift cards from grocery stores you're going to eventually use anyway, the rewards on gas can really add up.
Something else that many new graduates overlook is the importance of estate planning. This is especially true for those who are married, have children, or have substantial wealth.
Most of these things are infrastructure that would end up generating more private enterprise in the long run. If we stay tight-fisted on everything but war, we're not going to go anywhere fast but behind.
I bought a fuel efficient compact car. I know which gas station usually has the lowest prices and so I don't make an extra trip to go there, then I combine errands with going to & from work whenever possible to cut down on extra driving. Generally stay closer to home when it's a matter of choice.
Here in Minneapolis we do have a trash burning power plant. It only took about 15 years too long to build because of every self appointed green environmentalist protesting and suing it in the court systems.
Free Wi Fi? Where does that start and end? Wi Fi for everyone in the city, then the farmer is dis-enfranchised from something their taxes are paying for. Or do you plan on wi fi for the entire continental US?
No nation has all of these things, and some nations with the biggest 'expenses' (like Fance's healthcare) are in the same national insolvency mode that we are. Listen people, I want a new truck, a new home, a new jet, a staff of 20, just like everyone else. My $750 a week take-home pay, and my $155,000 of total debt, including mortgage, isn't going to support my wants. I get by, by learning that I just can't have everything I want. Something that half our nation clearly doesn't understand - LIVING WITHIN OUR MEANS!
I'm from the UK but have visited the USA a few times on vacation - I would change your tipping system in restaurants. Why dont restaurants pay their staff a decent liveable wage instead of making it virtually obligatory to tip 20%+ whether you get good service or not ?
Haha! This is great - though if its done right, it really CAN be cheaper and more economic than not and there are so many other benefits to it (if you are an outdoors type of person who doesn't feel comfortable being tied down).
Earning money nowadays is easier to remote in than not in a lot of cases and there are definitely mobile wifi options available. Mail can be a concern especially if you are still using snail mail and not having things electronically sent your way.
But like I said there are so many other benefits to RVing and insurance shouldn't be an issue(as "guest" so aptly put it). And if you can get a used RV that is in good shape you are saving money from the get go!
Don't know where you live, but we have many immigrant communities and their restaurants and food stores here in the ATL.--maybe you should get out more and explore the us sometime!
Having a home is everyone's dream and one of the biggest investment in our life. But during home maintenance sopmethimes I think owning a home is a pain. And its cheaper to rent and to make someone responsible for the maintenace.
With $17 Trillion in debt, the United States shouldn't be spending money on ANY of these. If states or companies want to do it, great, but the Federal Government should not have a part in any of these sorts of things.
I'm not sure I agree- that's like telling the person their opinion is wrong. Maybe a better bet is to compliment them back 'oh you're so kind to notice'.
Live in a walkable village and close to work!
Also, use Safeway gas which can be up to $1.00 PER GALLON cheaper (with Safeway groceries points)
I never thought of clothing swaps for kids. I do them all the time for myself, why not for the little ones!
I've been in desperate need of a new planner and have been waiting till "back to school" goes on clearance so I can get a deal. I'd also recommend checking amazon for supplies. I feel like everything on there is cheaper.
Glad you enjoyed the article.
Some of the large financial organizations (some, not all!) offer index funds in addition to actively-managed funds so it's good to scope those out whether you are investing in a 401(k) or working with a planner/advisor selling funds or just doing things yourself. Not all index funds are created equal so it's wise to check the fees and benchmark returns. Investing in index funds is easily done in many different ways.
And, yes, I've read that about half of actively-managed funds (generally with higher price tags) don't routinely beat passively-managed funds (typically referencing funds that track the S&P 500); in these cases, it doesn't make sense to pay more to earn less.
Thanks for reading! I've embedded an ETF finder in the article but for those who are interested, here is a tool that helps you find ETFs that match mutual funds: http://etfdb.com/tool/mutual-fund-to-etf/
I was never interested in investments until recently and such tips really help me out. If you don't have someone in the family to advise you, there are a lot of 'sharks' that would take advantage
In about a month, I'll look for back to school clothes to go on clearance, and buy the next size up -- for next years' clothes. I like to buy closet staples on clearance (particularly pants), so I know they won't be out of fashion for next year.
We are going down to 1 vehicle.
I will join the chat thanks!
It's pretty easy to save on gas with all the rewards programs there are now. If you buy gift cards from grocery stores you're going to eventually use anyway, the rewards on gas can really add up.
Something else that many new graduates overlook is the importance of estate planning. This is especially true for those who are married, have children, or have substantial wealth.
RSVP'd
Thanks for the twitter party - see you there.
I don't suppose there's a spreadsheet that puts these facts into easily sortable columns...
Use cruise control, obey speed limits and combine trips
Most of these things are infrastructure that would end up generating more private enterprise in the long run. If we stay tight-fisted on everything but war, we're not going to go anywhere fast but behind.
I bought a fuel efficient compact car. I know which gas station usually has the lowest prices and so I don't make an extra trip to go there, then I combine errands with going to & from work whenever possible to cut down on extra driving. Generally stay closer to home when it's a matter of choice.
Here in Minneapolis we do have a trash burning power plant. It only took about 15 years too long to build because of every self appointed green environmentalist protesting and suing it in the court systems.
Free Wi Fi? Where does that start and end? Wi Fi for everyone in the city, then the farmer is dis-enfranchised from something their taxes are paying for. Or do you plan on wi fi for the entire continental US?
No nation has all of these things, and some nations with the biggest 'expenses' (like Fance's healthcare) are in the same national insolvency mode that we are. Listen people, I want a new truck, a new home, a new jet, a staff of 20, just like everyone else. My $750 a week take-home pay, and my $155,000 of total debt, including mortgage, isn't going to support my wants. I get by, by learning that I just can't have everything I want. Something that half our nation clearly doesn't understand - LIVING WITHIN OUR MEANS!
I'm from the UK but have visited the USA a few times on vacation - I would change your tipping system in restaurants. Why dont restaurants pay their staff a decent liveable wage instead of making it virtually obligatory to tip 20%+ whether you get good service or not ?
Haha! This is great - though if its done right, it really CAN be cheaper and more economic than not and there are so many other benefits to it (if you are an outdoors type of person who doesn't feel comfortable being tied down).
Earning money nowadays is easier to remote in than not in a lot of cases and there are definitely mobile wifi options available. Mail can be a concern especially if you are still using snail mail and not having things electronically sent your way.
But like I said there are so many other benefits to RVing and insurance shouldn't be an issue(as "guest" so aptly put it). And if you can get a used RV that is in good shape you are saving money from the get go!
This article on going green while RVing might also shed some light on some of the great benefits to the outdoors! (if you like that kind of stuff) http://www.pplmotorhomes.com/rvnana/2013/08/going-green-while-going-camp...
Don't know where you live, but we have many immigrant communities and their restaurants and food stores here in the ATL.--maybe you should get out more and explore the us sometime!
Having a home is everyone's dream and one of the biggest investment in our life. But during home maintenance sopmethimes I think owning a home is a pain. And its cheaper to rent and to make someone responsible for the maintenace.
I try to group all of my errands into one car trip and also drive pretty slowly compared to others.
I use the Gas Buddy App or cash in store rewards for 10 cents off (Kroger).
With $17 Trillion in debt, the United States shouldn't be spending money on ANY of these. If states or companies want to do it, great, but the Federal Government should not have a part in any of these sorts of things.
I'm not sure I agree- that's like telling the person their opinion is wrong. Maybe a better bet is to compliment them back 'oh you're so kind to notice'.