Too many people think investing is only for the über wealthy and those with sophisticated strategies. But everyone should profit from the power of compounding interest — and conversely avoid the debilitating effect of paying compounded interest. If you’ve always lived paycheck to paycheck, step back and take a few easy steps to prepare for [...]
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Help With College My husband and I have a total of 14 years of college education. That’s a lot of tuition and scads of (exorbitantly-priced) books and (tiny, white-walled) apartment rental and hot dogs and ramen soup. That’s a long time to be poor. It’s even longer when you have have two children while making [...]
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In the mid-1990s, I was a day trader. By that I mean I used an online brokerage account to buy rolling stocks, covered calls, naked puts, and a few other elementary techniques with my new-fangled internet brokerage account. After a few months I had some fabulous successes and some dismal failures. I made some money [...]
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As we near the first anniversary of moving into our home, we also approach the expiration of the warranties for most typical home appliances. Before they expire, we’ll be looking carefully through all our appliances to see if any of them need any kind of servicing. So far we’ve been fortunate in the condition of our [...]
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This is a Sponsored post written by me on behalf of Straight Talk for SocialSpark. All opinions are 100% mine. Back in the early 1990s, Sam and I took the kids on a trip to Yellowstone. Because of his uber-popularity, the university couldn’t fathom a week without talking to him every four minutes. The [...]
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This is a Sponsored post written by me on behalf of Carbonite for SocialSpark. All opinions are 100% mine. Within a month of our wedding, in 1985, Sam proposed again. This time he was hoping for a personal computer in our new little family. I objected. I’d lived 21 long years without a personal computer; [...]
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When I was six-years-old my dad took me to Universal Campus Credit Union — BYU’s official financial institution of that day — to deposit the hard earned $21 I had saved from weeding and cleaning cupboards. He matched it by adding his own $21 to the account. I was rich! Each time I made more [...]
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This post brought to you by TracFone. All opinions are 100% mine. OK, people. If you need a tip calculator, you should not be using something as complex as a cell phone! You could be seriously hurt!
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This is a Sponsored post written by me on behalf of UPromise for SocialSpark. All opinions are 100% mine. I am a big believer in calculating return on investment. In accounting parlance: ROI = (gain from investment – cost of investment)/cost of investment But in layman’s terms it means calculating the efficiency of an investment. [...]
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This post brought to you by Straight Talk. All opinions are 100% mine. Having purchased our first Macs in 1985 — just days after returning form our honeymoon — we have been Apple fans for a quarter of a century. As you might guess, that means we are an iPhone family as well. The only [...]
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I love Dave Ramsey. He’s a great inspiration for those who’ve made bad financial decisions and are overwhelmed with debt. But his “beans and rice, rice and beans” mantra sounds so boring and unattractive! If you want to have a life that includes an occasional chopped steak (with a side of beans and rice, of [...]
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Guest Blog by: Sarah K. Certified pool operators are pool owners and professionals who have undergone extensive training to properly and efficiently manage commercial swimming pools. After completing the CPO online training course and passing all exams, CPOs are educated and informed on state pool regulations and industry standards.
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If you have a new business — particularly a home business — one of the hardest things is getting the word out about what you have to offer. Here are some inexpensive, effective business advertising ideas to help get you started. Financial independence is only a client or customer away. Brand All Communication Get your [...]
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Credit scores can seem baffling. Indeed, the credit rating industry has a stranglehold on your financial life with some pretty nonsensical rules. With bad (r no) credit, it’s next-to-impossible to get a mortgage, get an auto loan, or finance much of anything. You can thumb your nose at the industry, but it’s unlikely to do [...]
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If you have a business, a blog, or are working on your muse and need an easy way to spread the word, promotional materials can be a cost effective way to get the word out. Promotion items are things like tee-shirts, pens, keychains, cloths bags, magnets, personalized pencils, or just about anything else you can [...]
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It was only this past week that I found Tim Ferriss has naysayers. There are actually people who believe the 4-hour workweek model is just hype and hyperbole. Even while they validate what they call “the real point” — which is something along the lines of breaking out of arbitrary boundaries — they declare the [...]
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This post brought to you by AutoAssure. All opinions are 100% mine. We haven’t purchased a car in eight years. We have a 2002 Hyundai Sante Fe and a 2003 Ford Excursion. (How many vehicles seat a family of eight?) The former has over 100,000 miles on it and the latter is running along in [...]
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We’ve been using the Entertainment coupon books since we were married in 1985. (In Utah they are often referred to as “Happenings books.”) As struggling students the only way we could spring for a real night out on the town, was if we got a deep discount. (Seriously, if you’ve been in graduate school with [...]
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During the 10 years we lived in Boca Raton, Florida, Sam went to Hawaii numerous times on business. Each time, he invited me along. We would pay for the airfare with frequent flier miles and I could fill the other half of his hotel room for free. The only real expense would be food. But [...]
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Who doesn’t love a bargain? But in a recession, when most people are struggling financially, it’s even more important to comparison shop and get the best price on things you need to buy. If you haven’t looked around, you might be surprised to find how much prices vary from one vendor to the next. You [...]
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