Personal Finance – America’s ripoff’s and rawest deals around

Text Messaging — 6,500% Markup

Text messages are short, quick and cheap to transmit. So why are they adding so much to your wireless bill?
The messages are such a tiny piece of data that they cost carriers only about one-third of a cent to deliver, according to computer scientist Srinivasan Keshav, who testified before United States [...]

Personal Finance – Living Will Attorney

The better living will attorneys are those attorneys that are able to demonstrate their association with their state’s bar organizations and who also are continuously improving their knowledge about living wills through ongoing educational courses and who also understand mandatory liability insurance which is important in case the lawyer makes a costly mistake in drafting [...]

Personal Finance – Worried about your bank? Move your money

Q. I am currently banking with a local bank. I am certain the Federal Deposit Insurance Corp. will take over that bank very soon. I have $200,000 in a personal account held jointly with my wife, as well as two business accounts for a limited liability company that have about $60,000 in each account.
Should I [...]

Personal Finance – Budgeting Thanksgiving

Dinner
Free turkey. Yes I mean FREE turkey! Many stores have promotions during Thanksgiving, where they give away a free turkey if you spend a certain amount on groceries. You will be buying groceries anyways, just make sure you make the bulk of your purchases during this promotion and enjoy the free turkey! Take some time [...]

Personal Finance – Lower your Auto Insurance Premium

Here are 10 prime factors that you have control over that most auto insurance companies consider in the formulas used to determine how much to charge you.
1. Switch Vehicles
Each vehicle is assessed a different risk variable depending on a number of factors, including category classification, crash test rating, price, cost of replacement parts, and even [...]

Personal Finance – Make The Holidays Cheaper & Easier

Here are some money saving holiday suggestions from a stay at home mom. She recommends some sensible ideas to saving money when the holiday’s are upon us.
Holiday Savings Tips #1.
Go giftless, or save gifts for just the little kids. Half of my extended family has agreed to a “no gifts” policy for the past few [...]

Harvard’s Stunning Financial Mistakes

Harvard University has released its annual financial report and it is a dozy.
In reading the report, here is what I found shocking: The braniacs at Harvard decided to ignore one of the chief tenets of personal finance: Don’t invest money that you can’t afford to lose.
The school decided not to safeguard a large portion [...]

Retirement Planning: Focus on Income Rather Than Wealth Building

One of the more interesting bits of advice I saw today as I perused the personal finance blogosphere was a post from Money Ning. This post suggests that instead of trying to meet some large number for your retirement target (such as $1 million or $2 million), you consider the sort of income you will [...]

Which Teen Financial Products Make the Grade?

It’s also a subject that’s taken on new weight as the nation struggles to recover from a recession brought on by irresponsible investing and overzealous spending. Now, as American students return to school, financial education is starting to receive the kind of attention once reserved for reading, writing and arithmetic.
Yet most schools don’t require, or [...]

Educate your teens on personal finance

There’s the one survey just released that shows 64 percent of college students have at least one credit card, almost half do not know the annual percentage rage (APR) of the credit card they use most, and that 42 percent of freshmen are credit card dependent.
Or how about the 2008 Capitol One survey that found [...]

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