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Finance Tips From The Web
  1. Top Ten Financial TipsTop Ten Financial TipsFri, 19 Nov 2010 08:19:57 EST
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AllFinancialMatters
  1. How Much Do You Pay for Financial Advice?Thu, 27 Jul 2017 14:09:44 +0000
    There was an interesting article in today’s WSJ about the impact of automation on the financial advice business. Quick summary: automation is forcing costs down from the traditional 1% annual fee. I expect we’ll see more advisors moving to the hourly structure from the asset-based fee structure. My question to you is: Do you use … Continue reading How Much Do You Pay for Financial Advice? More...
  2. Why You Should Always Be Ready for a Market Sell-OffThu, 23 Feb 2017 16:49:25 +0000
    Interesting: Why You Should Always Be Ready for a Big, Scary Stock Market Sell-Off Here’s how I normally deal with sell-offs: 1) I don’t look at the 401(K) balance. It’s not going to do me any good to do so because it’s not going to change our strategy. 2) I think of all the additional … Continue reading Why You Should Always Be Ready for a Market Sell-Off More...
  3. Trader Joes Has Some Unhappy EmployeesMon, 07 Nov 2016 12:00:25 +0000
    [Rant on…] Are we becoming a nation of spoiled wimps? Based on this article I read in Sunday morning’s Houston Chronicle, I would say the evidence is mounting that we are. Trader Joe’s has been a shopper’s favorite for years now. They have a great reputation of friendly service and great prices, but the article … Continue reading Trader Joe’s Has Some Unhappy Employees More...
  4. 8 Reasons Why I Loathe Social SecurityThu, 27 Oct 2016 12:00:30 +0000
    I know lots of people love social security. I know lots of people consider social security a successful government program. I disagree. A comment left in my previous post about the 2017 changes coming to social security, inspired me to list out what I don’t like about the program. So, here they are: 1. I … Continue reading 8 Reasons Why I Loathe Social Security More...
  5. Meet Glover QuinWed, 26 Oct 2016 20:06:29 +0000
    This is a great piece about financial savvy of Detroit Lions safety, Glover Quin. Doesn’t happen often enough. He saved 70% of his income the first three years of his NFL career and lived on the other 30%. Too many young players get the big money and go on wild spending sprees. Not Mr. Quin. … Continue reading Meet Glover Quin More...
  6. COLA for 2017 Social Security Recipients: .3%Tue, 18 Oct 2016 17:40:30 +0000
    I just saw that the Cost of Living Adjustment (COLA) for social security recipients is going up a whopping .3% (yes, that’s point three percent!). What really stinks is the amount of income subject to confiscation (that’s really what it is, you know) is going up from $118,500 to $127,200, a WHOPPING 7.3% INCREASE! That … Continue reading COLA for 2017 Social Security Recipients: .3% More...
  7. Employers Are Looking for Employees with Soft SkillsThu, 01 Sep 2016 00:08:55 +0000
    This piece comes to us via a daily email I receive from Wells Fargo. Employers are struggling to find workers with soft skills, such as critical thinking, empathy, and the ability to get along with colleagues. The Wall Street Journal cites a recent LinkedIn study that revealed 58% of 291 hiring managers believe the dearth … Continue reading Employers Are Looking for Employees with Soft Skills More...
  8. How Much is Your Social Media Account Worth?Wed, 31 Aug 2016 11:00:06 +0000
    Longtime readers of AFM know that I’m not a fan of misleading people. I don’t publish paid blog posts without a disclaimer stating that the post is an advertisement. Advertisers don’t care for that, but I think it is the right thing to do. That said… I read a short piece by Sapna Maheshwari in … Continue reading How Much is Your Social Media Account Worth? More...
  9. Back to School Average Spending: $673Wed, 31 Aug 2016 02:06:40 +0000
    From an article I read in today’s Houston Chronicle: “Parents expect to spend an average of $673.57 on electronics, clothes and notebooks this year, compared with $630.36 last year, according to the National Retail Federation, an industry trade group. In total, parents of kindergarten through 12th-grade students say they will spend $27.3 billion on school … Continue reading Back to School Average Spending: $673 More...
  10. Heres An Example of an Awesome EntrepreneurWed, 20 Jul 2016 17:57:57 +0000
    I saw this video circulating on Facebook. With all the negative stuff going on in the world, it’s nice to come across something positive. This young man reminds me of my boys. Check this out: More...
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Personal Finance Advice
  1. Jumbo Student Loans Increasing ó What Indebted Students Should DoWed, 13 Jun 2018 14:34:14 +0000
    Jumbo debt is usually associated with commercial borrowing along with large residential mortgages — not something that college students normally take on. Until now: Jumbo student loans account for 17 percent of academic debt. There’s nothing inherently wrong with large student loans, and historically the default rate has been low on such loans. People who […] The post Jumbo Student Loans Increasing — What Indebted Students Should Do appeared first on Personal Finance Advice. More...
  2. 5 Worst Mistakes of Online BorrowingWed, 06 Jun 2018 17:01:10 +0000
    Getting a personal loan online has grown into a multi-billion-dollar industry, with lenders ranging from individuals in peer-to-peer programs to big banks. Although countless Americans have been helped by the ability to borrow money without leaving home, others have hurt themselves by being ill prepared for the process. “Because the loans are being evaluated remotely, […] The post 5 Worst Mistakes of Online Borrowing appeared first on Personal Finance Advice. More...
  3. Free Credit Freezes and Other Legal Changes You Should KnowWed, 30 May 2018 18:02:34 +0000
    Although big banks stole most of the spotlight in the Economic Growth, Regulatory Relief, and Consumer Protection Act, the new law includes improved fraud alerts and credit freezes for consumers. The law President Trump signed late last week had attempted to dismantle the post-credit crisis legislation known as Dodd-Frank. While it achieves some of that […] The post Free Credit Freezes and Other Legal Changes You Should Know appeared first on Personal Finance Advice. More...
  4. Why 20% of Baby Boomers Are Retiring With Massive Mortgage Debt?Wed, 30 May 2018 17:01:51 +0000
    Baby Boomers, the golden generation born between 1946 - 1964, is in big trouble. Regardless of how hard they worked through their lives, at least 20 percent of them will not be able to enjoy their retirement. Several studies have found that the retirement scenarios for one out of every five Baby Boomers will not […] The post Why 20% of Baby Boomers Are Retiring With Massive Mortgage Debt? appeared first on Personal Finance Advice. More...
  5. Higher Credit Scores Needed For Home PurchasesWed, 23 May 2018 15:46:26 +0000
    Average Homebuyer Score Rose from 700 in 2005 to 732 in 2016 Welcome to the 2018 home-buying market: Rising demand and an extremely tight supply of homes, especially in the critical starter-home market, make it difficult to realize your goal of home ownership. In this market, you’ll need two important things to land your dream […] The post Higher Credit Scores Needed For Home Purchases appeared first on Personal Finance Advice. More...
  6. How Has the Consumer Financial Protection Bureau Changed Under Trump?Wed, 16 May 2018 15:16:49 +0000
    President Trump promised changes in Washington upon his election. Whether you are a Trump fan or foe, there’s no question he’s succeeded in that goal. Sometimes the change is precipitated by the President’s choice to lead an agency, as in the case of the Consumer Financial Protection Bureau (CFPB). The CFPB was born out of […] The post How Has the Consumer Financial Protection Bureau Changed Under Trump? appeared first on Personal Finance Advice. More...
  7. Creating a Plan to Pay Off Your DebtWed, 28 Feb 2018 02:05:09 +0000
    Make 2018 the year you get serious about your debt. The longer you put off this problem, the more it will grow. Dont let compound interest overwhelm you. Follow these simple steps to make a plan and pay off your debt. List Your Current Debts The most important step in paying off your debt is […] The post Creating a Plan to Pay Off Your Debt appeared first on Personal Finance Advice. More...
  8. How Do Credit Bureaus Differ?Thu, 25 Jan 2018 03:47:14 +0000
    Do you know your credit score? More importantly, do you know where your credit score comes from and why its so important to your financial health to understand your credit score. So, how do credit bureaus differ? Credit scores are more than just a three-digit number; theyre what lenders use to determine how creditworthy you […] The post How Do Credit Bureaus Differ? appeared first on Personal Finance Advice. More...
  9. 10 Baby Items You Think You Need, But Really DonítFri, 17 Nov 2017 17:18:27 +0000
    Between the time when you are expecting, and continuing up through showing off your new baby as a proud mother or father, you will be bombarded with advertisements, endorsements, plugs, and discussions of all of the purchases that you will need to make. It appears that a lot of people out there do not think […] The post 10 Baby Items You Think You Need, But Really Don’t appeared first on Personal Finance Advice. More...
  10. The 365 Day Money ChallengeMon, 02 Oct 2017 18:15:33 +0000
    We all want or even need more money in our bank accounts. If we didn’t we wouldn’t go to work every day, instead, we would stay home and get caught up on whatever show we’re binging on Netflix. But what if saving money was easy, or even fun? Well that would be great, but truth […] The post The 365 Day Money Challenge appeared first on Personal Finance Advice. More...
Domestic Divas Fancy
  1. Happy Birthday to MEMon, 26 Oct 2009 17:43:00 +0000
    Today is my Birthday! The big 24! ;)My husband knows I have been wanting to go to IKEA for some time now! So he booked a Hotel for tonight and we will be spending today and tomorrow in Ohio! It will be nice to have a small vacation! I will of course post photos of my faves! More...
  2. Before and Close to AfterFri, 04 Sep 2009 11:21:00 +0000
    Good Morning! I have some pictures for ya of the house...We have been working, working, working. It is still not finished! But I dont want to hold out on the updates anymore!BeforeAfter, You get the idea! :)Below: Henry stretching this morning!This is still a work in progress, I have to finish painting the inside of the cabinets and we need to finish the door fronts.This is my antique table and chairs. I bought the table for $40 at The Habitat for Humanity Homestore. And I got the chairs for a steal of $20.00 for all four at an antique shop in Middlebury!Just got the gas line run for the stove! I cooked on it yesterday for the first time! ;) Cant wait to start baking Pumpkin stuff!!!I LOVE this little vaccum! Still have boxes of kitchen items! We need to finish the cabinets before I even unpack these!Still unfinished, but looking way better!The bathroom where we found useable space that they had drywalled off! This bathroom is actually so much bigger! I love it!The whole house still need touch ups on the paint! But anywhoo, here is the newly subway tiled shower! I love it!I will post more later! Thanks for stopping by! More...
  3. While I was Out!Sat, 18 Jul 2009 18:15:00 +0000
    My red French Doors! LOVE THEM!Part of the living room, before the wood floor was put in!Hey everyone! I miss you all so very much! WE ARE OFICIALLY MOVED IN! I have some photos of right before we moved in! I am still unpacking, so more photos will be coming soon! I cant wait to get back to blogging!My life has been such a roller coaster! My husband is currently in Battle Creek, Michigan doing an in patient treatment for PTSD! For those of you who dont know what that is...it is Post Traumatic Stress Disorder! He served in Iraq, and Afghanistan a few times...and he has never been 100% the same.Our lives have just gotten so out of whack, I didn't really realize how this PTSD has affected us in our relationship. He has gotten mean and irritable. It is really bad, it is to the point that he had to do something about it or it was going to overtake our lives. I feel like I dont even know him anymore. That husband comes out every once in a while, but everyday PTSD is taking a part of my husband away. He needs help! And I need this break, I am emotionally exhausted! He is just not himself anymore, numb to emotion...I see a coldness in his eyes. I feel as if he wants nothing to do with me or our family anymore. I am scared. I would love some advice from anyone! I am scared my marraige is going to end if he does not get better! I just want my husband back! I know deep down he does too!I love you all! Please keep my husband and his recovery in your prayers! More...
  4. Beachy Guest RoomWed, 03 Jun 2009 21:52:00 +0000
    During this renovation I always need a little inspiration of what I will be able to do when it is complete. Below are some Inspiration photos for my Guest Room!!!The next photos below are some items I found on Etsy that are on my WISH LIST!Above: These would look cute hung on the wall or sitting on the bedside table. From Etsy seller Dances With Clay They only cost $15.00Above: This is from an Etsy seller, but I forgot to mark it as a favorite. If anyone knows where it is from please let me know.Above: This pillow is beautiful! She has a few designs that I would love to throw on the bed, Including monogram pillows made with all 100% cotton, with a cover that you can remove to clean it easily. I love to mix up pillows that dont match! There are too many cute pillows and beautiful fabric to choose from. From Etsy seller White TwigThis pillow only costs $28.00Cant wait to show you the finished room! More...
  5. In law or OutlawSun, 31 May 2009 08:07:00 +0000
    So last week my mom called me and told me she sprained her ankle...and she asked me if I would come and help take care of the house and my little brother and sister. Of course I was more than happy to go because they live about and hour and a half away and this was a chance to spend time with them and get a break from my mother in laws house.So I go and I figured I would stay for about a week. My husband clearly aware of my plans. So on Sunday as I was packing my things to head home, I get a text from my sister in law saying: "Hey...don't wanna get into your business, but maybe you should think about coming home. Adam could really use your help." Now tell me if I am crazy, but I was irate! She had the nerve to tell me I should come home and help my husband as if he was incapable of telling me himself.My husband and I are adults and will decide when I come home! It was none of her business when I came home! And I called her...we had our words, and I hung up on her after I was called the "B" word! {Didn't want to type it out in case there are little ones eyes around!}When my husband called to confront her and tell her that she had no right butting in our business, she proceeded to tell him that our marriage has problems! WHAT!?!?! News to me! Mind you, this is the sister in law that just got married, the one I helped do the Bachelorette party, wedding stuff, paint her house, babysit her kids and dog, etc.etc... and she still has yet to offer helping us do anything to ours!I don't know what to do! I hate confrontation, and drama! I really think people should mind their own business...I would never have done that to her or anyone for that matter. I am not that type of person! I don't know what to do. If I don't move into that house soon {which by the way is 2 houses down from hers} and out of my mother in laws house, I am going to freak out and go on a crazy rampage!!!Wow! That feels good to vent! Oh and by the way I stepped on a nail today, it went threw my shoe into my heal, doesn't feel the greatest!So might I say that I am so stressed out! From this house to my Etsy orders. I should have waited to start my Etsy store! I really did not think that I would be selling so much! Not that it is a bad thing but when I am working on orders and not my house, people think I am just sitting around crafting!?! I wish!Sorry about the long post....we all know sometimes we just need it!Please let me know if anyone else is lucky enough to have in laws like mine!?! More...
  6. And the winner is...Tue, 26 May 2009 21:56:00 +0000
    The winner of my Favorite things Giveaway is... Kimat 4 Crazy Kings, as soon as I receive shipping information for her I will get the mystery suprize box filled with $50.00 worth of goodies.She was#31 - From Random.Org!!!Run and tell her congratulations, dont forget to follow her blog to see what is in my Mystery Giveaway box. More...
  7. 100th Post GiveawaySat, 16 May 2009 10:52:00 +0000
    You will know what the photo above mean if you read below...Saturdays scrapper...sorry it is such a late and short scrapper post. I have had one of those days, but without further adieuI present my 100Th Post! WOO HOO!And now for my giveaway:This is something that I thought about long and hard about what I wanted to have as my giveaway! I am going to give a box filled with goodies...featuring $50.00 worth of my favorite things!{It will include things like beauty products, Favorite Candle, gift card to my favorite store, favorite foods, maybe something handmade, and just my everyday favorite things I wouldn't want to live without!}It could be anything, but it will be a surprise so no one will know what is in the box until the winner receives the box and posts about what is in the box!***Here are a few ways to Enter***{leave a comment about each per entry, ex: I am a follower}1. The first way to enter one entry, all you have to do is leave a comment telling mewhat one of your favorite things is!?! {1 Entry/comment}2. Become a follower! {2 entries/comments}3. Place my button on your blog. {2 entries/comments}4. Post about this giveaway on your blog! {Receive 3 entries/comments}I will choose the winner on: by random.orgMonday May 25Th, 2009 @ 12pm EST {thanks Sharon}Thank you to all of my bloggers who I have been so lucky to have met. I know I have been slacking on my postings, but this house is killing me here! Thank you for all of you followers who have stayed, and for the new ones who have just joined.GOOD LUCK! More...
  8. Post # 99Sat, 16 May 2009 02:32:00 +0000
    I just listed a few new items in my Etsy Shop. One of them I must share with you,because I LOVE IT!If you want to see the others, please visit my Etsy Shop here!*FYI: Saturdays Scrapper tomorrow, and it will be my 100th Post! Please visit tomorrow to enter in my giveaway! More...
  9. Something PrettyWed, 13 May 2009 06:02:00 +0000
    Okay, so I officially hate drywall! Well at least the sanding it part. I thought that I would look at some pretty stuff because I cant see anything {literally because all of the dust} So here is some of my inspiration motivation! I need it, and a shower!Benjamin Moore Natura PaintYour family will breathe easy with NaturaNatura premium interior waterborne paint is a zero VOC, virtually odorless formula that doesn't compromise on performance. It dries fast, has excellent adhesion and provides a durable finish with an unlimited color selection. Natura features ourGreen Promisedesignation, so you can breathe easy knowing that you've used the very best for your environmentally sensitive projects.Available nationwide, Spring 2009.{So I am thinking about going this route, it sounds great to me, have any of you used it?}I am loving the stripes.I cannot wait to get my bed out of storage...It has been a little over a year since we have slept in our own bed! I cannot wait till that first night to sleep in it!This is post #98 - On post #100 I will be featuring my giveaway, for all of my blogger friends who have stayed faithful and patient through this renovation that is sucking the life out of me!Any advice on how to get through this renovation!?! I need some uplifting, the end seems so far away! More...
  10. Oh What A Day!Thu, 07 May 2009 04:50:00 +0000
    Okay...so, this morning I wake up to a call from our renter in Virginia that a TREE fell through the roof at 1:30 in the morning! Mind you we are in Indiana! I felt so bad... our renter is so great! We could not be luckier to have had God bless us with her as a renter. She said that she is taking photos of the HUGE tree limb that fell through the roof. AND THANK GOD it didnt hurt anyone. It came inches from her son and actually punctured her sons bed. I am so thankful he is okay. He told his mom he is going to have such a cool story to tell all his friends at school. So at least he is not scarred for life. I could care less about the house. I am just glad everyone is alright! So on a much lighter, less woody note: Here below is a before photo of the window in the front of the house. And Tada like Magic a window...with shutters. And incase you are wondering why there is such a gap at the bottom of the window! Well I am planning on putting a flower planter box!!! YAY I am so excited about that. Here is a shot of part of the kitchen in Drywall. I am so proud because I have measured and hung some peices by myself. Woo Hoo! Hubby told me that I am getting good so now I have to help hang all the rest! Now this is something I am so proud of. I made a planter bow for my garden to go in! I painted it, cut the wood and screwed it all together {all by myself}! I got this idea out of the Better Homes & Gardens magazine. More...