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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.
Questions About Gloves, Castille Soap, TurboTax, and More!
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Paying ahead on student loans
2. Why does tax deferring matter?
3. Investing in collectible cards
4. Camera and money advice
5. Buy it for life: gloves
6. Selling unwanted stuff in winter
7. Next steps after student loans
8. Starting a local charity
12 Reasons Startups Fail
A boneheaded move by a poorly-chosen business partner can quickly sink your business.
“Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations.” — Steve Jobs
While there’s something to be said for learning from your mistakes, there’s also something to be said for learning from the mistakes of others and avoiding the startup pitfalls altogether. Some business mistakes are unavoidable, but dodging the common and not-so-common business pitfalls below will help increase the odds of keeping your new business in business:
Six Factors That Make You More Likely to Go Bankrupt
By Doug Hoyes
Bankruptcy can happen to anyone. In fact, the average bankrupt person looks a lot like you. They can be married or single, young or old, male or female. So what makes one person a high-risk debtor while their neighbor seems to be able to stay afloat?
The truth of the matter is, there are a variety of risk factors that can lead to insolvency. In no order of importance, let’s look at the top six reasons people file bankruptcy and what you can do to reduce your risk.
63 Quick Tips to Save Money in College
Investing in a coffeemaker and a travel mug can save you big bucks if you start brewing at home. Photo: Porsche Brosseau
We know college is expensive, and every little bit you can save helps. That’s why we’ve put together a list of quick tips to save money in school:
Tuition & College Costs
1. Meet with your advisor regularly to plan your class schedule. This will help ensure that you’re taking the right classes at the right time — some classes you need might only be offered during a certain semester — and keep you from taking unneeded classes that don’t count toward graduation.
Small Business Saturday: Mending the Music Makers
Luthiers like Cat Fox (pictured) build and repair guitars, violins, and other string instruments. As a livelihood, Fox says it can be more fulfilling than financially rewarding. Photos: Sound Guitar Repair
Becoming a luthier is not a good career choice, period, says Cat Fox emphatically.
But just in case there’s any doubt about her point, she adds: “This is not one of those things that people should get into. Nobody makes any money doing this. You can only do this and succeed if there is nothing else you can see yourself doing, nothing else that would make you happy. You’re just driven do this.”
Her caveat is an important one: If you are driven….
Inspiration from NASA, Paulo Coelho, J. Robert Oppenheimer, and More
A view of Rocky Mountain National Park from the International Space Station. Photo: NASA
Once a month (or so), I share a dozen things that have inspired me to greater personal, professional, and financial success in my life. I hope they bring similar success to your life.
1. Tom Wujec on solving a complex problem
From the description:
How to Use Credit Card Rewards for a Disney Vacation
Using a combination of credit card rewards can dramatically reduce the cost of a Disney vacation. Photo: Josh Hallett
If you have kids, you’ve probably priced out a Disney vacation at least once. And when you did, you were probably struck by just how expensive it can be. Basic park tickets for Disney World in Florida are, in most cases, upwards of $90 per person per day.
That means that, all other expenses aside, a family of four can expect to spend at least $720 on park tickets for a two-day stay. And even after you pony up that expense, you still need to pay for transportation to and from the resort, a hotel or motel, food, drinks, and everything else. Heaven forbid you want any souvenirs!
6 Steps To Avoid Identity Theft Without a Service
There were almost 1.4 million cases of identity theft in the United States in 2020, with people using stolen identities to sign up for credit cards, collect fraudulent unemployment benefits and countless other scams. Cleaning up from identity theft can be a real pain and can drag on for years. Identity theft protection is an […]
The post 6 Steps To Avoid Identity Theft Without a Service appeared first on The Simple Dollar.
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