Money Tips Network

Top 10 Money Mistakes New Parents Make

Having a child is an exciting and exhausting experience. The feeling of holding your newborn in your arms cannot be described in words. Along with this exhilarating feeling, though, comes sleep deprivation, hectic schedules and the determination to provide nothing but the best for your precious little one. Even with the best intentions, it is very easy to lose track of finances or make unwise decisions with money. Here are some of the top money mistakes new parents make:

Why I’m no longer afraid to deposit checks by mobile phone

Your co-worker, your neighbor, the corner market owner. They all joined the modern world long ago. For awhile I was reluctant, but I too have gotten hip to the new age. Yes, I’ve started cashing checks through my smartphone I resisted the convenience for two big reasons. First, when the technology debuted, the time from [...]

Why I’m no longer afraid to deposit checks by mobile phone from personal finance blog Bargaineering.com.

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Best Home Warranty Company for 2014

If you’re considering a home warranty to help protect you from costly home repairs, there are several companies that want your business. Unlike the big insurance companies that provide home, life, and auto policies, home warranty companies aren’t household names. For that reason, you may feel like you’re starting from square one in your search.

The good news: I’ve done a lot of the legwork for you. After analyzing several of the top home warranty companies, three stand out as the best:

Insurance Ads: Trick or Treat?


Insurance isn’t a product you can see or touch, so insurers sell memorable characters — such as Allstate’s ‘Mayhem.’

Remember that ad…? Of course you do, because even when you think advertising isn’t having an effect on you, it is. The fact that you remember the Taco Bell Chihuahua or the Old Spice guy is proof that television ads, at the very least, take up some space in your memory. Making a brand or product memorable by associating it with a character such as The Most Interesting Man in the World is only one of a commercial’s goals, but it doesn’t end with brand awareness.

Fourteen travel tips for infrequent fliers

I don’t fly often.  In many ways, I’m very thankful for this.

As an infrequent flier, though, I am vulnerable to being taken advantage of.  People who fly every month or even every week have parts of their travel routine down to a science.  I’ve traveled with fliers who not only have the basics down, but have the nuances of particular airports down so well that they just breeze through.

This is like anything else:  The more you practice deliberately, the better you become.

Rules change all the time

I’m sure you’ve gotten a number of notices from various online services saying that continued use of their service requires you to accept new terms and conditions, or adherence under a new privacy policy.

Whether we read them or not, understand them or not, these change the rules of the business relationship.

Nine Strategies for Cultivating a Mindset of Financial Independence

As I’ve stated many times, Sarah and I have a central goal of financial independence at the earliest possible age. Financial independence, to us, means that the requirement of money in exchange for our work becomes entirely optional, leaving us to choose options for our work based entirely on our own skills and personal joy. Considering our twenties were disastrous from a financial standpoint, we’re aiming to be able to achieve this goal in our mid-forties or so – a decade down the road, if all goes well.

The biggest challenge of adopting such an enormous goal is that the only way to actually achieve it is to change your mindset. That enormous goal needs to underline how you look at the world and the decisions you make.

Wise Bread Reloaded: President Obama's Credit Card Declined at Pricey Restaurant (and How You Can Avoid the Same Fate)

This week the President revealed that even the leader of the free world is not immune to credit card identity fraud.

"I went to a restaurant up in New York when I was — during the U.N.

Best Free Credit Report Site of 2014

Credit is a very important part of your adult life, yet it’s often neglected by any school curriculum while you’re learning the ins and outs of life.

Every U.S. citizen who needs to be extended a line of credit, obtain a job, have a cell phone, and/or rent a dwelling needs to stay on top of their credit. Luckily, there are a lot of different tools out there to obtain free credit reports. You can either sign up for a free trial from a more comprehensive site or sign up with one of the free credit-report sites that don’t always offer full reports but do typically provide many helpful credit tools.

The Simple Dollar’s Top Picks

Here are the top two free-trial credit report sites:

Student Loan Forgiveness Series: Volunteering

Dealing with student loan debt can seem unbearable and overwhelming. As mentioned in the article, 15 Ways To Deal with Student Loan Debt, the average college graduate owes a whopping $40,000 after graduation, but almost 19% owes $50,000 and above and 5.6% owes over $100,000. That’s not the best way to start your financial future.

Maybe in college you worked hard to save money, diligently keeping your student loan debt in mind. Maybe you made some huge financial mistakes during college and ended up taking out much more than you imagined. Whatever road you took to have this student loan debt, now is the time to start planning your exit route.

Best Deals for Friday 10/17

Link for teaser title: 

http://www.wisebread.com/bestdeals/today

Living Social coupon: $10 off $30 or more, American Eagle Outfitters: Extra 30% off clearance, ShoeMall coupon:...

The 5 Most Offensive Halloween Costumes Ever

It's the one day of year when you get to be somebody else. Just make sure your portrayal of that somebody else isn't offensive.

Why? Well, for starters, because it's not nice. But perhaps a more convincing reason is because we live the age of smartphones and social media.

The Panic Button

On September 18, the S&P 500 closed the day at 2,011.36. As of my writing, the S&P 500 sits at 1,864.84. In other words, the S&P 500 has lost 7.3% of its value in less than a month.

Let’s put that in dollars and cents.

Let’s say that on September 18, I had $100,000 in my retirement account invested in a stock mutual fund that’s made up of something very similar to the S&P 500. This is pretty typical for people who are saving hard for their retirement.

Right now, that investment is only worth $92,715.38. $7,284.62 has vanished into thin air.

If you had $500,000 invested on September 18, $36,423.12 has vanished since then.

That kind of quick drop is scary to a lot of people. It’s not altogether different than the feeling you get when you’re riding a roller coaster and you start to drop off of a tall hill. It can make you feel a bit queasy if you think about it too much.

8 Meatless Complete Proteins That Will Help You Lose Weight

When you see the word "meat,"what's the first thing that comes to your mind?

Ask the readers: Are home security systems worth the money?

This article is by editor Linda Vergon.

The small, rectangular ceramic flower pots I kept in the two window sills of my bathroom had never budged an inch in the 14 years I owned the home, but one day I saw that one was close to falling out onto the counter below. I wondered if a small earthquake had caused it to move as I pushed it back in place. About a week later, I came home to find that the pot had actually fallen completely off the little ledge and onto the counter. This time I stopped to understand why, and I discovered that the small window was separated from the sill. I went outside. From there I could tell that the window had been pried from the house and someone had left a hacksaw on the ground. Evidently, I surprised whoever was trying to make their way into my home.

11 Ways to Get Over Rejection

Rejection sucks.

That, my friends, is a cold, hard fact. No matter what realm of life you've lost out on — work, school, relationships, home — not being chosen is hard.

It's easy to let a rejection or two make you feel like, just maybe, there's something wrong with you.

6 Simple Steps to Discovering Your True Salary Potential

Salary negotiation is not always easy, especially if you don't know the value you and your position bring to your team and to your company.

So ask yourself these six questions and uncover your true market worth before you start driving a hard bargain.

The Latest Occupational Hazard? Binge Working

This post comes from Jacqui Kenyon at our partner site LearnVest.

Have you ever gotten absorbed in a project on your laptop, only to look at the clock to see that three hours have passed?

TODAY Money calls it the “hypnotic effects of technology,” and it’s just one of several factors contributing to a new and dangerous office trend: binge working.

With more and more employees connected at all hours, anxious about money and job security, and pumped up on good ol’ caffeine, working beyond any semblance of a normal office day is becoming more common—and sometimes with dangerous results.

The Latest Occupational Hazard? Binge Working

This post comes from Jacqui Kenyon at our partner site LearnVest.

Have you ever gotten absorbed in a project on your laptop, only to look at the clock to see that three hours have passed?

TODAY Money calls it the “hypnotic effects of technology,” and it’s just one of several factors contributing to a new and dangerous office trend: binge working.

With more and more employees connected at all hours, anxious about money and job security, and pumped up on good ol’ caffeine, working beyond any semblance of a normal office day is becoming more common—and sometimes with dangerous results.