Money Tips Network
7 Ways to Get People to Listen When You Talk
Whether you are leading a business meeting, attempting to persuade an opposing view point, or questioning the actions of your city council, grabbing the attention (and keeping it) of those in your audience is essential to accomplishing your goal.
The True Cost of Debt
The cost of debt goes beyond the interest you pay. It can delay your retirement, and even limit your choices in life. Photo: Kenny Louie
By Doug Hoyes
Everyone knows that they have to pay interest when they take out a loan. It’s the price we pay to use someone else’s money to purchase something we don’t have the cash for today. But beyond that, it’s hard to comprehend just how expensive debt can be.
Generally speaking, we don’t really consider the long-term financial impact of taking out a loan, not to mention the emotional and economic toll carrying even a modest amount of debt can have.
Here are seven ways debt can affect your financial well-being.
When is it okay to re-gift?
This article is by editor Linda Vergon.
The year I met the man I would marry, we were living in different cities and hadn’t spent much time together when Christmas came around. It was difficult to know what to give, how much to give, and how much to spend. I looked for inspiration. I consulted friends. I visited a lot of stores in search of a great gift. I ended up with a few gifts, some that I made myself and a couple that I purchased – a really nice, black sweater and some cologne. They were all warmly received; but later on, it became clear that the cologne would never be used. My guy just doesn’t wear cologne. (Drat!)
The 5 Best Credit Cards With Annual Fees
Many credit card users reach a certain point when they realize that they are able to get more benefits from credit cards that have an annual fee than they are from those that don't.
Impulse buying is the Achilles of saving money
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21 Perfect Holiday Gifts for Book Lovers
It's that time of year again. Yup, time to find a gift that isn't a book for your friendly, neighborhood book lover. Because everyone else will give him books this year, and you want to stand out.
Stumped? It's not hard. Here are some great gift ideas for that literary person you love.
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Best Money Tips: How to Live on $1,000 a Month
Welcome to Wise Bread's Best Money Tips Roundup!
12 Cheap Ways to Make Your Car Look Awesome
Most of us car owners spend an awful lot of time in our vehicles, whether commuting to work, driving the kids to soccer practice, or just hauling groceries.
Student Loan Consolidation: Pros and Cons
Combining all of your student loans into one may not taste as good as one-pot chili, but it could make your monthly payment easier to swallow. Photo: Jo
Graduating from college comes with the acknowledgement of great achievement — and, if you’re like 70% of graduates, a burden on your back in the form of student loan debt.
The average college grad leaves school with $40,000 worth of debt. But if you switched majors, transferred colleges, or went on to graduate school, you may be among the 19% that owe $50,000 and above, or the 5.6% who owe more than $100,000.
16 Easy, Delicious and Homemade Holiday Gifts
Instead of fighting the crowds at the mall and hunting for bargains this holiday season, why not take to your kitchen?
4 Ways to Boost Your 401(k) Returns
Employer-sponsored 401(k) plans are powerful retirement vehicles. Beyond empowering you to take the first (and perhaps most important) step toward retirement savings, 401(k) contributions are also made using pre-tax income, meaning they can reduce your current income tax obligation, too.
How to Maximize Your Meal Planning Dollars with Bulk Buying
Sammi writes in:
I really loved your article about meal planning for busy families. My husband and I have adopted this strategy and have been using it for about two months and our food costs have gone down a lot!
The only challenge we have is how to incorporate bulk buying into it. The closest grocery store to where we live is a Costco and it is the only one within walking distance so naturally we want to use it, but your meal planning strategy doesn’t use bulk buying at all.
How do you use Costco with your meal planning?
Sarah and I actually do use a warehouse club – Sam’s Club, in our case, as it’s the only one reasonably close to our home – to supplement our regular grocery shopping. The use of that warehouse club is actually integrated throughout our meal planning routine, so let’s talk about that.
8 Dumb Little Things Holding You Back From a Healthy Relationship
A good relationship is hard to find.
Ask any single person who would love to be in a committed, strong relationship, and they'll tell you. Between their own mistakes and hang ups and those of the people they try to date, sometimes it seems like a miracle that anything could ever work out.
The Unregulated World of Identity Theft ‘Insurance’
Many companies will sell you identity theft protection, but the industry is largely unregulated and rife with deceptive marketing practices. Photo: Eric McGregor
It’s all over the news: celebrity photo hacking scandals, digital security breaches at major retailers, and banks that have misplaced unencrypted backups of confidential customer data.
What is your investment strategy?
This article is by staff writer William Cowie.
Get Rich Slowly conducted an online survey of about 2,000 randomly selected individuals on the subject of investing recently, and I found the insights from the results quite interesting. Some of the highlights of the findings of the survey are:
1. Over 40 percent of all respondents do not invest at all at the present moment.
2. Despite investing being more advantageous to the young, the highest proportion of respondents not investing were also the youngest.
3. Using index funds is not a primary investing strategy by any age group.
4. The older people get, the more active they become in their investments.
Investing strategy
The first question on the survey was: What best describes your investment strategy? Six possible answers were provided for respondents to choose from:
Don't Choose These 10 Cities If You Want to Retire Comfortably
Retirement is a time to enjoy hobbies, move a little slower in daily life, travel, and after decades of hard work, just rest. All of which is tough if you pick the wrong retirement city.
Join Our Tweetchat on Thursday 12/4, 12pm PST for a Chance to Win $300 in Prizes!
Join our Tweetchat this Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern for lively conversation and a chance to win a $200 gift card or one of two $50 gift cards! Use #WBChat and #stateofcredit to participate.
This week's topic: Credit Empower Hour!
Citi Double Cash Rewards Card Pays You to Pay Off Your Debt
There are all sorts of tricks that credit card issuers can play on customers that are looking for the most cash back from a rewards card. They can offer bonuses for certain types of purchases, or feature extra cash back on categories of purchases that change every quarter.
Best Money Tips: Ways to Save on Amazon
Welcome to Wise Bread's Best Money Tips Roundup!
How to Find Affordable Health Insurance in 2014
Whether you’re self-employed, unemployed, or covered under an employer’s health-care plan, finding affordable health insurance can be a frustrating, time-consuming process. Throw in controversy around the Affordable Care Act (ACA), and finding accurate, reliable information can be a nightmare. Sure, cheap health insurance exists, but qualifying can be tricky, and you’ll want to be sure the coverage isn’t too skimpy to cover your needs.
In this article, I cover the true costs of going uninsured, what health-care reform means for you, and general tips that will help you get the best deal on health coverage. I also detail case studies on how two fictional shoppers found cheap health insurance.
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