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Going Pro: How to Choose a Tax Preparer


Even if you pay someone to prepare your taxes, you’re still responsible for any mistakes and potential penalties. Photo: H&R Block

More than 50% of taxpayers hire a professional to prepare their taxes. But you’re legally responsible for what is on your tax return even if you paid someone else to prepare it for you. Mistakes and their consequences are the responsibility of the individual, married couple, or business whose name appears at the top of the return.

That’s why it’s imperative that if you hire a tax pro, you know how to choose the right one.

The Basics

The vast majority of professional tax preparers are honest, ethical, and hard-working, but that doesn’t mean they’re all the same. There are four types of paid tax preparers, each with specific levels of expertise.

Seven Strategies for Haggling at Stores (Even Large Chain Stores)

One of my big goals over the last few years was to improve my haggling skills. In the past, I always felt as though it was inappropriate to haggle in many stores, mostly because the whole process felt uncomfortable for me.

Over the last few years, however, I’ve negotiated discounts on a number of items, including a snowblower and a lawnmower. I’ve done this at big chain stores and I’ve saved a surprising amount of money because of it – well over $200 according to my quick math.

One note: you’re going to find a lot more success negotiating for bigger items than negotiating for smaller ones. If you’re negotiating on a $3 item, the employee will look at you like you’re crazy, tell you no, and walk away. Save your negotiating for the $300 items instead.

Everything I’ve done boils down to seven key strategies.

Are Cruises an Affordable Family Vacation Option?


If you forgo the expensive add-ons, a cruise can be an affordable way to take a fun family vacation. Photo: Christopher

As a writer who focuses on family travel, I explore a wide range of vacation options year-round. And although I never took a cruise until last year, the idea of cruising has always been on the edge of my radar.

I used to be a bit of a skeptic when it comes to the value cruises offer. I’ve heard countless stories of people who ended their cruise with a monster bill they didn’t know about, or spent more than they planned. As a budget traveler, the idea of unexpected expenses sounds awful.

Six Cheap Spring Break Destinations and How to Save


Cancun, Mexico, offers a cheap, student-centric spring break experience — but nearby Playa del Carmen (pictured) might be an even a better deal. Photo: Sean and Lauren

What college student doesn’t welcome spring break with open arms? Every year, thousands of students flee their campuses for a wild week away from it all. But if you’re one of them, resist the urge to max out a charge card — opt for someplace more affordable.

12 Wildly Romantic Gestures in Movies


Selfless acts of devotion convey the depth of your love — and don’t cost a penny. Photo: ‘The Notebook’ via Facebook

Love is patient. Love is kind. Love is frugal, too.

Sure, splurging on a diamond necklace, an exotic getaway, a cherished memento, or a fancy dinner out are lovely ways to show your partner how much you care. But sometimes the most powerful romantic gestures don’t cost a thing — just some time, thought, and effort.

12 Things You Need to Know Before Investing in Stocks

A few days ago, our family was driving to a school event together. We were listening to a podcast over the car’s stereo and the host was talking about how they were worried about the stock market being so high.

My children are naturally curious creatures and so they wanted to know why this host was so worried, and this led into a long discussion about investing in stocks as opposed to investing in other things. They wanted to know what stocks were, why someone would buy them, and how someone would do this (you don’t just go to a store to buy them).

12 Things You Need to Know Before Investing in Stocks

A few days ago, our family was driving to a school event together. We were listening to a podcast over the car’s stereo and the host was talking about how they were worried about the stock market being so high.

My children are naturally curious creatures and so they wanted to know why this host was so worried, and this led into a long discussion about investing in stocks as opposed to investing in other things. They wanted to know what stocks were, why someone would buy them, and how someone would do this (you don’t just go to a store to buy them).

Cheap, Fun Things Singles Can Do on Valentine’s Day


Will you find love this year? Get some friends together to share the cost of a psychic reading, and maybe you’ll find out. Photo: Patrick Emerson

In Seattle, home to so many of the nation’s hipsters, Valentine’s Day has taken on some very unique incarnations among the singles crowd. Just ask Alexandra Chauran, a local fortuneteller.

Each year Chauran’s services are booked weeks, even months in advance of Valentine’s Day by those not in a relationship.

“I get booked by groups of single friends who split the bill for my hourly office fee and have fun getting their fortunes told about the future of their love lives,” says Chauran.

The Valentine’s Day fun for singles, however, doesn’t end there.

Cheap, Fun Things Singles Can Do on Valentine’s Day


Will you find love this year? Get some friends together to share the cost of a psychic reading, and maybe you’ll find out. Photo: Patrick Emerson

In Seattle, home to so many of the nation’s hipsters, Valentine’s Day has taken on some very unique incarnations among the singles crowd. Just ask Alexandra Chauran, a local fortuneteller.

Each year Chauran’s services are booked weeks, even months in advance of Valentine’s Day by those not in a relationship.

“I get booked by groups of single friends who split the bill for my hourly office fee and have fun getting their fortunes told about the future of their love lives,” says Chauran.

The Valentine’s Day fun for singles, however, doesn’t end there.

10 Frugal Ways to Say ‘I Love You’


Break out the pen and paper: A simple love note, letter, or poem can mean much more than anything you buy at the store. Photo: Julie Edgley

With Valentine’s Day coming up, it’s prime time for the usual onslaught of carefully crafted radio and television ads aimed at parting you and your hard-earned dollars.