Money Tips Network
Your Small Business Needs an Emergency Fund, Too
The U.S. Bureau of Labor Statistics reports that approximately one-third of all businesses fail within the first two years. Half fold within five years.
7 Signs It's Time to Quit Freelancing
Tell someone you're a freelancer, and you'll usually be treated with a mix of envy and admiration.
Best Deals for Monday 01/15
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http://www.wisebread.com/bestdeals/today
Home-Memory Foam Bamboo Charcoal Seat Cushion, 73% OFF, and more...
Six Credit Card Rewards Strategies for Family Vacations
Any parent who has flown with a toddler or endured a 12-hour car ride with a screamer can tell you that, no matter how glamorous family travel seems, it’s not for the feint of heart. Even worse, family travel is usually a lot more expensive than single or couples travel.
Why? Because taking the kids means more plane tickets, bigger rooms or condos, and higher costs for basically everything you book. Then, there’s food. Obviously, your family of four is going to eat more – and maybe even a lot more often – than a couple of adults.
There are some ways around the added costs, of course. Many airlines let infants fly for free in your lap if they’re under two years old, for example. And many regular hotels offer a room with two queen beds or will gladly roll in a cot for an extra kid.
50 Excellent Free Books from Project Gutenberg (and How to Easily Read Them)
A few months ago, I briefly wrote about how to download and read free books from Project Gutenberg on your phone, tablet, or computer. For those unaware, Project Gutenberg is a collection of books in the public domain, made available for convenient reading on digital devices completely for free. Here’s what I wrote:
The Project Gutenberg website isn’t too bad to navigate once you know a few tricks (it’s vastly improved from some of the earlier versions). My preferred way to find and read classic books from there is to visit their mobile site, http://m.gutenberg.org/, which has a very nice mobile interface. I prefer it to the desktop one by a large margin unless you’re actually at a computer with a huge screen and, honestly, even then, I still use the mobile site and just make my browser window small.
Get the Best Interest Rates for Savings Accounts
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http://www.wisebread.com/5-best-online-savings-accounts
Higher interest rates is good news for savers.
Self Control Is a Limited Resource. Here’s How to Use That Fact Effectively in Your Financial Life.
Once upon a time, I had a very cognitively intense “nine to five” job – in truth, I worked from about 7:45 AM to about 4 PM many days – and, when work was over, there were many days in which I was completely mentally spent. Even on days when I didn’t feel that way, I could still tell that I was no longer on top of my game mentally.
On my route home, I passed by a number of businesses, but one that always tempted me was that bookstore. Once or twice a week, I’d stop at that bookstore on my way home, just driving into the lot and walking in there without any real conscious thought process involved in the decision.
Your Travel Rewards Points Were Stolen. Now What?
A few years ago, I logged on to the website of an airline mileage program to book a flight, only to find that my miles were gone. I called the airline in a panic, and was told that another customer must have given my frequent flyer number by mistake when booking their flight.
What to Do if You're Laid Off Before You Retire
You had a plan. You were going to work for a few more years, and head gracefully and gleefully into retirement. But your company didn’t cooperate.
Best Money Tips: Ways to Give More to Charity in 2018
Welcome to Wise Bread's Best Money Tips Roundup!
What Does Your Personal Guarantee On a Business Credit Card Mean?
Millions of Americans own their own businesses, and each one of them can potentially qualify for a small business credit card.
5 Friend Types That Can Hurt Your Finances
Your inner circle of friends can have a direct impact on many areas of your life, including your financial behavior. According to a 2014 study from the Journal of Consumer Research, peers can influence you to make certain decisions.
Best Deals for Friday 01/12
Link for teaser title:
http://www.wisebread.com/bestdeals/today
Car Sunshade Protector - A Powerful UV Ray Deflector, SAVE 73% OFF, and more...
Handling the Extra Challenges of Escaping the Poverty Trap
Several months ago, I made an offhand reference to the amazing article Escaping Poverty Requires Almost 20 Years of Nothing Going Wrong by Gillian White in The Atlantic. It was one of those articles that just hit me in the gut and significantly redirected my thinking. I found my mind slipping back again and again to the ideas in that article.
Last summer, I ended up reading the book The Vanishing Middle Class: Prejudice and Power in a Dual Economy by Peter Temin, which is heavily referenced in the article. The book largely expands upon the issues in the article, which can be summed up as saying that the factors that put someone in an impoverished situation keep them in that impoverished situation.
My Five Favorite Services for Streaming Free Music Online
At the start of a new year, I always want to listen to a lot of new music. I’m a total sucker for the slew of “best album of the year” lists that drop every December. As I read them, I find myself making lists of artists and songs I’m excited to check out.
If you’re anything like me, you might be interested in trying out a streaming music service. The radio is great and all, but the lack of control is a big minus. There are now tons of great options for those of us who want a steady stream of new music that can be customized to our exact tastes.
Here are the five top options for streaming free music online today, along with the prices for each service’s premium offering. If you go premium, you unlock more features — the most important of which is that you don’t have to listen to advertisements.
7 Clever Tricks to Make Your New Year's Resolution Stick
Another year, another list of New Year's resolutions that most of us will be unable to keep. The problem with resolutions is that they require a tremendous amount of mental processing power to get from point A to point B.
5 Things Every Small Business Owner Needs to Know About Employee Retirement Accounts
Among small businesses, employer sponsored 401(k) plans seem to have gotten a bad rap.
7 Ways to Balance Work and Travel While On the Road
The concept of working from anywhere in the world, often referred to as digital nomadism, is on the rise. More staffers are looking to break free from the office cubicle, and more companies are opening up to the idea of employees working remotely.
12 Things You Should Know About the New Tax Law
The long-debated changes to America's tax code are now law. President Trump closed out 2017 by signing the Tax Cuts and Jobs Act, bringing sweeping changes to how much individuals and companies will pay in tax beginning this year.
What does the new tax law mean for you?
14 Affordable Ways to Relieve Back Pain
Spinal fusion surgery for lower back pain can cost more than $100,000, according to Healthcare Bluebook. Many people might consider that a worthwhile price to pay for a pain-free life.
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