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Archives for November 2012

3 Dangerous Christmas Shopping Debt Traps and How to Avoid Them

The Christmas shopping season is one of the most expensive times of the year. It’s also my least favorite. We’re supposed to focus on giving and spending time with our friends and family, but for many of us, it’s turned into a shopping nightmare, accompanied with the obligation of buying presents for every single person […]

Everything’s Satisfactual with American Express Bluebird

Remember earlier this year when Suze Orman said she was going to revolutionize the banking scene…and her idea sucked? Well, now it seems someone has actually revolutionized the banking scene. That someone would be American Express, in cooperation with Walmart. These two giants have joined forces to bring us Bluebird, a banking alternative that’s going […]

Are We Overspending on Child Safety?

November is National Child Safety Month — an observance that I personally look on with great suspicion. That is because I am one of the few parents out there who is willing to accept a level of “safe enough.” I worry that things like National Child Safety Month is just another way to sell parents […]

5 Ways to Improve Your Credit Score

Let’s talk credit scores. Today I thought I’d suggest some ways to improve your credit score. Let’s start by looking at why your credit matters and why you’d want to improve your credit score. Your credit score is an important part of your financial portfolio. We typically spend a great deal more time thinking about […]

Rent Collection: What’s the Best Way to Collect Rent from Your Tenant?

What’s the best way to collect rent from a tenant? When I decided to become a landlord, one of the areas that I gave the least amount of thought to was collecting rent. In hindsight, I should have determined my policy for rent payment and informed the tenant during the vetting process. Because I left […]

A Costly Debt Trap that Every Young Adult Should Avoid

Editor’s note: please join me in welcoming Carrie Smith, new staff writer. Carrie is a successful freelance writer across many sites, including her own, She will be sharing her story with money and her successes in getting rid of debt. I was 23 when bought my first house. I thought I had it all; […]

The Technology to Make the Most of Black Friday

My husband, who has been known to fake the flu to avoid going shopping, has one shopping weakness: bargain hunting. And nothing thrills bargain hunters quite like the words Black Friday. It’s awash in the promise of incredible deals for those willing to wait in line (and only occasionally willing to shove other shoppers). But […]

Not All Debt is Bad

This is an article by Adrian J Cartwood of, who shares his opinion on good vs bad debt. Be sure to leave your thoughts in the comment section below. If all debt was bad, surely it would make sense to avoid it completely? I can’t explain why this is wrong without using a whole […]

Finally Rented: Creating and Signing a Residential Lease Agreement

Okay, truthfully we didn’t just rent our home. But it did take a while. We listed our home for rent in mid-June, and my tenant moved in on August 15th. It was an up and down couple of months as I explained in previous posts. I enjoyed fixing up the rental unit, but I wasn’t […]

Did Somebody Say McDonald’s – As a Career?

I’m not entirely sure why, but I’ve always enjoyed work.  Whether it was a fruit stand at five years old, or selling golf balls at the golf course at 8 years old, I had a blast making money, and still do.  But it wasn’t until I turned 13 that I started my “career” and what […]

Quick Money Tips: The Evolving Part-Time Job

In today’s edition, we look at the evolution of the part-time job. The part-time job, for the sake of getting ahead financially (i.e. becoming debt-free sooner), is a great idea. But nowadays, more and more people are having to turn to part-time jobs because it’s their only option: College graduates are settling for these jobs […]

Can I Contribute to Both Accounts and is the Limit Shared?

Super, over-achieving savers often run into questions about their ability to contribute to multiple tax-advantaged retirement accounts. Here’s a recent question from a reader: I have a traditional IRA and a Roth IRA. I make under $50K a year. According to your article I need to split the $5,000 max contribution amount between those accounts […]