Money Tips Network

How To Get Free E-Books


During a recent bus ride, Jessica Goldstein, a fellow passenger, was staring into her cell phone. But she was not sending out text messages or checking e-mail. Classic literature had bookmarked her attention.

Goldstein, a technical writer, uses her cell phone as an electronic book gadget. She downloads free books through Project Gutenberg, www.gutenberg.org, a nonprofit organization that enables readers to download free electronic copies of books onto desktop computers, smart phones or palm organizers.

"It's like going to the library on a bus," Goldstein told me as she read "Thus Spoke Zarathustra" by Friedrich Nietzche.

Money-Saving Driving Tips for Labor Day Weekend

If a road trip is on your map for the Labor Day Weekend, consider these frugal, fuel-efficient driving tips from the Drive Smarter Challenge video contest:

"Decrease your speed. Gas mileage usually decreases rapidly above 60 mph. Each five miles per hour over 60 mph is like paying an additional 20 cents or more per gallon for gas.

Drive sensibly. Speeding, rapid acceleration (jackrabbit starts), and rapid braking can lower gas mileage by 33% at highway speeds.

Use cruise control and overdrive gear. Cruise control cuts fuel consumption by maintaining a steady speed during highway driving. Overdrive gear, when appropriate, reduces engine speed, saves gas, and reduces engine wear.

Win $5,000 With Frugal Road Tips: A Video Contest

Want to win $5,000 with your video camera? This announcement offers energy-saving driving tips and a chance to win money and other prizes.

"It's the dog days of August, one of the heaviest time frames for road trips – what with travel to universities across the country combined with the "last hurrah" of summer vacations leading into the Labor Day holiday weekend.

Sales Clerk Offers Inside View: 'We're Supposed to Befriend Kids'

Do some sales clerks try to pal around with tween shoppers in an effort to get the kids to spend more money? Yes, says one reader, a sales clerk, who offers a great reply to the post: Telling My Daughter the Truth about Her New 'Friend,' The Salesclerk!

Here's one sales clerk's story:

I was hired about a month or so ago at a 'tween clothing store, and I've come to find it not so much my cup of tea. We're supposed to make "friends" with the girl and adult, or the girl[s], and try to sell them as much stuff as we can, by talking to them, or even looking at what they have, and bringing more stuff that matches/accessorizes/looks similar, and show it to them and so on.

Guest Post: Consumers Union: Beware of Prepaid Card Pitfalls

Consumers Union, publisher of Consumer Reports, offers this guest post on the dangers of prepaid cards:

"While prepaid cards are becoming an increasingly popular alternative to check cashers and traditional bank accounts, a new Consumers Union report finds that the cards come with high fees and don’t offer consumers the same kinds of protections as other forms of plastic payment.

Prepaid cards are reloadable cards that can be used to make payments similar to debit cards and are becoming the foundation of a second tier banking system used by a growing number of low income consumers.

Here's a link to the full report about prepaid cards.

Thrifty Reader Seeks Help: Spoiled Kids & Too Many Yard Sales!

What do you tell a thrifty mom who thinks her kids are spoiled? That scenario recently landed in my e-mail box. Here's the note:

Hi, I am concerned because I finally realized how spoiled my kids are. I've been buying them whatever they liked, although it's from thrift stores and yard sales. Because it's so cheap, I get them more than five things.

I find my 8-year-old son being un-appreciative, unresponsible and rude, and I think this could be why. Now the house is full of toys, and I don't know where to start. How to unspoil? I am overwhelmed. Do you know what I should read? How do I start, please?

Please chime in with tips, links and resources. Thanks!


Free Family Entertainment: Watch the Sky Tonight

We're hitting the roof tonight for an evening of free family fun. There's going to be a meteor shower, and it won't cost a thing to share the skylights with the kids. But how can you get the most fun and education from the evening? For answers and insights, I turned to David Dickinson from Astroguyz: http://www.astroguyz.com/

"Stargazing," says Astroguyz, "is a completely free hobby. When I was a kid, we would all lay out on the lawn and watch the Perseid."

The Perseid Meteor Shower: a Q & A with Astroguyz.

Cheated By a Ferret: One Child's Lesson

My daughter feels cheated by a six-inch stuffed ferret, which recently took a $4 bite from her allowance. But I believe the furry ferret provided a long-term investment in my daughter's financial education.

The back story: While shopping at a national chain store, my 11-year-old daughter stopped to watch an in-store infomercial, which featured an endless loop of a toy ferret executing tricks. On the screen, the toy looked so cute. "It had this invisible string," my daughter explained.
"The commercial showed it doing all these cool tricks and stuff," she said, adding that the ferret was tied to the transparent string that seemed invisible from a distance.

The reality: "The string broke the first time I tried using it," she said. "The ferret worked much better in the commercial."

State-by-State Guide to Tax Holidays - A Guest Post From Kiplinger's

"Sixteen states and the District of Columbia will let you skip sales taxes on school supplies, computers, clothes and other merchandise on specific dates in August. Perhaps you’ll have to cross state lines to save an extra 5% to 10% -- but the journey is worth it.

Kiplinger.com and Kiplinger’s Personal Finance magazine have put together a list of sales tax holidays, which begin in August. Here is the state-by-state guide, which includes tax holidays during other parts of the year.

Alabama
* When: August 7-9
* How much: 4%
* On what: Clothing less than $100, computers less than $750, school supplies less than $50 and books less than $30

Connecticut
* When: August 16-22
* How much: 6%