Saturday, March 31, 2018

Savvy Senior

Savvy Senior: The government will soon be sending out brand new Medicare cards to 59 million Medicare beneficiaries. Here’s what you should know about your new card along with some tips to help you guard against potential scams.

Friday, March 30, 2018

Dear Penny: My Husband Is Hiding Major Money Secrets From Me

Dear Penny: My Husband Is Hiding Major Money Secrets From Me: Dear Penny,

I recently found stacks of $100 bills at the back of my husband’s sock drawer. There are thousands of dollars.

Upon further investigation, I found a large notebook with 48 Visa cards and Mastercards in it concealed high on a closet shelf. All the cards are in his name. I didn’t know about these. From notes he made, it looks like they’ve all been maxed out, to the tune of more than half a million dollars.

5 Awesome Ways You Can Save Money On Date Night

5 Awesome Ways You Can Save Money On Date Night: Humor me with this parenting revelation for a second.�If you’re a parent to a toddler and newborn like my wife and I are, you likely don’t get much time to yourself.

So, when the time comes for a date night every leap year, you want to make it a night to remember. After all, you need something to get you through the sleepless nights and spit up.

The folks at Hooch understand this and they’re helping millennial parents make date night great again. Not only can you save money on date night, but you can have an amazing time doing it.

Tips on what to do with your tax refund | WTKR.com

Tips on what to do with your tax refund | WTKR.com: If you are one of about 70% of all US taxpayers that the IRS says get a tax refund, have you been wondering what to do with it?

Carl Carlson, CEO of�Carlson Financial�has some tips on how to best use your refund.

The IRS says that the average refund is about $3,000 but Carlson said he does not think near this many people should be getting that large of a refund.

He said to not view it like some kind of a “government bonus”, it’s your money. �According to this recent pole 36% of the people use this money to pay down debt.

Thursday, March 29, 2018

4 ways to use health savings accounts to boost your bottom line

4 ways to use health savings accounts to boost your bottom line: When it comes to investing your money, health savings accounts offer some of the best tax breaks around.

Also known as HSAs, these options are tied to high-deductible health plans.

They enable you to put away pre-tax money for qualified health expenses. The investments in those accounts grow tax-free. And when you take the money out, generally those funds are not taxed.

Backpacking Basics – Frugal Backpacker

Backpacking Basics – Frugal Backpacker: Learn what to bring and (more importantly) what not to bring when setting out on a day, weekend, or thru hike.

On the Money with Katy Kicker - Saving money every day - frugal living

On the Money with Katy Kicker - Saving money every day - frugal living: Welcome to the first in a new series of interviews with well known money bloggers, On the Money. My first guest is Katy Stevens, from KatyKicker.com.�Katy is a UK blogger covering topics including parenting and money saving. She lives in Essex with her husband Thomas and 2-year-old daughter Daisy Blue. Katy loves to help people make and save money, kick their finances into touch and live their best life. I hope you like the series and discover some fascinating new blogs.

High Heels in the Wilderness: How to Have a Frugal Spring

High Heels in the Wilderness: How to Have a Frugal Spring: It's grey out today. The skies are grey, the river is grey, the melting snow is grey. The wind is raw, and seems to cut right through you. It might be spring, but it's not the kind of spring day we imagine when we long for spring in the middle of winter. Not one of those blue-sky, sunshine-y, warm breezy days that make us think of tulips and daffodils, and getting our bikes out of the shed.�

Monday, March 26, 2018

Five ways to save money - Southwest Shadow

Five ways to save money - Southwest Shadow: Nowadays, many people have difficulties with saving their money. Things like eating out on a regular basis and carelessly spending money on unnecessary items cause people to spend too much. Here are a couple of tips to help you spend less and save more.

19 grocery store hacks that will save you a ton of money on food - Business Insider

19 grocery store hacks that will save you a ton of money on food - Business Insider: Do you find your grocery bill too big? Well, there's good news. You can save major money on groceries by following these frugal shopping tips.

Sunday, March 25, 2018

Many states looking to help workers save for retirement | Money & Markets | omaha.com

Many states looking to help workers save for retirement | Money & Markets | omaha.com: New York is among a growing number of states considering legislation to create government-sponsored payroll-deduction retirement programs for small businesses, which financial planners say could be a relatively painless way to help Americans reverse a dismal record of saving for their golden years.

Personal finance expert Jean Chatzky notes 52 percent of American households age 55 or over have no retirement savings, leaving them with only Social Security. She's working with AARP in New York and other states to lobby for an individual retirement account plan with state oversight for small businesses that allows workers to have a portion of their paychecks set aside automatically.

5 Travel Credit Cards With Annual Fees That Are Worth It (and 2 That Aren't) | Business Markets and Stocks News | host.madison.com

5 Travel Credit Cards With Annual Fees That Are Worth It (and 2 That Aren't) | Business Markets and Stocks News | host.madison.com: With so many credit cards out there that don't have an annual fee, why would you ever pay one?...

Ways to Save Money when You’re Unemployed |

Ways to Save Money when You’re Unemployed |: Losing a job is a hard thing to go through. It makes people take stock of all sorts of things, but especially of how they are spending their money. It may even become necessary to cut back in order to save money for absolutely essential things. Figuring out how or where to save money can be a challenge, especially when you aren’t as able to be objective when you are feeling the emotional effects of this loss.�

Retirement Strategy: You're Ready To Retire And Never Planned - But You Do Have Options | Seeking Alpha

Retirement Strategy: You're Ready To Retire And Never Planned - But You Do Have Options | Seeking Alpha: I've been writing for Seeking Alpha since 2011. I have written only one article such as this one late last year, but as my readership has grown, I have found that more and more folks are seeking some options right now, when they are at an age where they want, or even need, to retire.

I've thought about this for quite some time now, and the very first thing that comes to mind is that it's better late than never. I have also taken my earlier article into consideration, and I am going to suggest some additional options to go along with the article from last year.

Saturday, March 24, 2018

Six Grocery Store Policies You Should Know to Save Money - Frugal Village

Six Grocery Store Policies You Should Know to Save Money - Frugal Village: When you head to the grocery store, you probably already know what you’re going to buy, and you may also have a budget in mind. As you shop, you pay attention to sale prices and coupons, trying to stretch your dollar as far as it will go. You think that what you see is what you get.

What you may not realize, however, is that many grocery stores have hidden policies – policies that could actually save you money. Keep reading to find out what some of them are.

Destin Beach Safety looks to save lives on a tight budget

Destin Beach Safety looks to save lives on a tight budget: On a warm but windy Wednesday afternoon, Destin Beach Safety Lifeguard Officer Jourdan Perrin drove down the beach on an ATV, scanning the water for swimmers.
The chilly wind kept people out of the water, but a group of adventurous spring breakers holding red Solo cups had waded past the first sand bar and were jumping over incoming waves.
“We see people like that going out a little bit further and further, and you just want to make sure you’re close by, watching them,” Perrin said as she parked her ATV on the sand and eyed the swimmers. “Just watch their body language and how they’re swimming. All of those things come into play when looking for a potential safety situation.”

These Are the Smartest Hacks That Will Save You Money on a Cruise Ship

These Are the Smartest Hacks That Will Save You Money on a Cruise Ship: Paying to park at the port is your first money mistake. It’s usually very overpriced, and there are almost always cheaper options nearby. Try parking at a nearby hotel or parking garage. You might have to walk your bags a bit further, but you’ll probably save anywhere from $10 to $15 per night, which quickly makes up for an Uber cost each way.

Billionaire Turns to GoFundMe to Save Toys “R” Us - Barron's

Billionaire Turns to GoFundMe to Save Toys “R” Us - Barron's: Beloved American toy store Toys “R” Us looks like it's headed for liquidation,�and Isaac Larian, CEO of toymaker MGA Entertainment, won't stand for it. But he needs�you—that's right, you—to help.

Friday, March 23, 2018

You Can Now Buy a Car at Walmart

You Can Now Buy a Car at Walmart – Adweek: Pharmacies, eye doctors, hair and nail salons and/or fast food joints in roughly 250 Walmart locations are getting a new neighbor as digital automotive marketplace CarSaver expands a car-buying program with the retail giant and moves in its kiosks.

In an email, a Walmart rep said�locations will open in Georgia, Illinois, Indiana and Virginia in the near term, as well as�on a microsite on Walmart.com.

Dropbox shares surge in biggest tech debut since Snap | Financial Post

Dropbox shares surge in biggest tech debut since Snap | Financial Post: Dropbox Inc’s shares soared by as much as 50 per cent in their first day of trading on Friday as investors rushed to buy into the biggest technology initial public offering in more than a year even as the wider tech sector languished.

The stock opened at US$29 on the Nasdaq and shot up to as high as $31.60 in early trading. At the stock’s opening price, Dropbox had a market valuation of $12.67 billion, well above the $10 billion valuation it had in its last private funding round.

10 Tax Write-Offs You Shouldn't Overlook | Taxes | US News

10 Tax Write-Offs You Shouldn't Overlook | Taxes | US News: For those who still need to file their 2017 tax return, time is running short. However, in the final rush to finish up forms, you should be careful not to miss any write-offs that could save you money.

From state taxes to child care expenses, there are plenty of ways to reduce your federal tax obligation. Here are 10 credits and deductions you shouldn't discount.

2018: A Tough Year for First-Time Buyers - The New York Times

2018: A Tough Year for First-Time Buyers - The New York Times

Family of 4 sheds $96K of debt by living simply in a tiny house

Exploring Alternatives
Video screen capture Exploring Alternatives
Family of 4 sheds $96K of debt by living simply in a tiny house (Video) | TreeHugger: For many, financial freedom can be an elusive goal. People work long hours to pay off student loans, mortgage loans and consumer debt, but rising costs of living and housing prices mean that true financial freedom is increasingly difficult to achieve without some serious reconsideration of how to get past the finish line.

Don't neglect to plan your personal finances: Guest view | CPBJ

Don't neglect to plan your personal finances: Guest view | CPBJ: When your friends or colleagues talk about financial matters, how often do you hear them mention a financial plan?

10 Tips to Save Money on Your Groceries • Low Income Relief

10 Tips to Save Money on Your Groceries • Low Income Relief: Do you pinch pennies to pay high grocery bills every week? Are you afraid you and your family will go hungry if you just can’t scrape by? Groceries are one of the most important expenses, but can also be one of the biggest. We’ve been there and now we’ve found the best tips to help you save money on groceries!

7 Ways to Get Healthier and Save Money - Adventure Mom

7 Ways to Get Healthier and Save Money - Adventure Mom: A big part of a healthy lifestyle comes down to a plan that works for your life. I’m sharing tips for simple ways to get healthier AND save money.

How to Save Money For Travel - You'll be Amazed at How Quickly You Can Build a Travel Fund - Mapping Megan

How to Save Money For Travel - You'll be Amazed at How Quickly You Can Build a Travel Fund - Mapping Megan: For most people, one of the biggest obstacles to travel�is figuring out the money. But you don’t need to be rich to travel the world; a lot of the time it comes down to reassessing priorities.

Saving money can be a daunting task, but there are many ways to cut costs, and with a couple of creative strategies you might be amazed at how quickly you can build a travel fund.

Thursday, March 22, 2018

Frugal find

Frugal find - Brownsville Herald: Editorials: With so many first-generation college students in the Rio Grande Valley, and so many who are struggling financially and must work while taking classes, we applaud the University of Texas Rio Grande Valley for recently being ranked third in the nation in terms of offering the best values and fastest online degrees in 2018.

Defining the Line Between Frugal and Cheap - Because I'm Cheap

Defining the Line Between Frugal and Cheap - Because I'm Cheap: The term frugal is often mistaken for the word cheap. The two have some similarities, but they work differently and it’s important to spot the differences in order to save some serious money yet still have enough left over for your own enjoyment and well-being. In this article, we’re going to discuss a couple of the major differences between frugality and being cheap.

Wednesday, March 21, 2018

Stocks Fluctuate Before Closing Lower After Fed Announces Interest Rate Hike - TheStreet

Stocks Fluctuate Before Closing Lower After Fed Announces Interest Rate Hike - TheStreet: Stocks lost steam on Wednesday, March 21, after the Federal Reserve announced it would be raising interest rates.

The Fed increased borrowing costs for the sixth time since late 2015 in a bid to keep inflation from rising too fast as the economy accelerates.

The U.S. central bank's monetary-policy committee raised the benchmark rate by a quarter point to a range of 1.5% to 1.75%, according to a statement released after a two-day meeting. The Fed had held the rate close to zero from 2008 through 2015 in a bid to revive the economy and markets following the financial crisis.

33 things you can buy for $1

A slice of pizza at a dollar slice restaurant in New YorkNuno Cardoso/flickr



Cheap deals for frugal people that only cost $1 - Business Insider: A dollar won't get you very far in 2018.

But on the bright side, there's still plenty of useful things you can buy for a buck, from food and entertainment to a pair of glasses for someone in need.

Here are 33 ways you can spend your hard-earned dollar:

Get $10 Cash if you sign up today for Be Frugal the free site that gives you cash back on every purchase

Fed raises interest rates, says there will be 3 hikes in 2018

Fed hikes rates and boosts outlook ahead of Powell press conference: live blog and video - MarketWatch

Not Entirely Perfect: 10 Vintage Skills That Save Money

Not Entirely Perfect: 10 Vintage Skills That Save Money: That's what these are called now, 'vintage skills.' �Because it's been so many years since people regularly did these things, but really, it wasn't that long ago that we used to be so much more self-sufficient. �And if you missed it on my (very long!) post on Friday, it's on my goal list to learn one of these vintage skills, because they really can save money. �Now, I love modern conveniences as much as the next girl, and I don't feel the need to unnecessarily complicate my life just for the sake of going back to how things used to be done. �Not every update has been a winner (fast fashion and everyone's inability to sew a button back on their clothing), but not every old skill is either (it is, in fact, cheaper to buy bread than make it, for example). �So here are a few of the vintage skills that save money that I'm thinking about learning more about, before I pick which one I want to commit to.

Save $1,000 Fast - Inspired Budget

Save $1,000 Fast - Inspired Budget: If you’ve read anything about the steps to becoming debt free, then you know that you need to save for an emergency fund and then start your debt snowball. �You’ll want a minimum of $1,000 in your emergency fund so that you are ready to combat anything that comes your way without going any further into debt. �To do this, you’ll want to save up money as fast as possible so you can get started on your snowball. �There are several ways you can save $1,000 fast.

Stellpflug column: Burning socks just one more spring ritual to add to the list | Opinion | wiscnews.com

Stellpflug column: Burning socks just one more spring ritual to add to the list | Opinion | wiscnews.com: Many rituals throughout history include fire in the form of bonfires, candles and fireworks. Some are more familiar than others.

Bra burning was the standard-bearer for the women’s movement. It represented being free from bondage. It was a symbolic representation of not being bound by traditional roles. Burning bras was a brief but lasting image of a rebellious time for women.

Oil investment under threat as demand uncertainties loom - Oil | Platts News Article & Story

Oil investment under threat as demand uncertainties loom - Oil | Platts News Article & Story: The global oil industry may be underestimating the pace of world's current transition away from fossil fuels to cleaner energy, with the prospect of peak oil demand in the coming decades already informing upstream investment decisions at some producers, a major industry event heard Tuesday.

Want to Launch a Successful Startup? Avoid These 9 Common Mistakes | Inc.com

Want to Launch a Successful Startup? Avoid These 9 Common Mistakes | Inc.com: Launching a new business can be daunting. Growing a business is even harder. The early decisions you make as a founder set the trajectory for your company, either in the right or wrong direction. It's critical that you make smart decisions early on to mitigate your risk and increase your likelihood of success as an entrepreneur.

The list below is not just a compilation--these are some (OK, all) of the mistakes I made as a first-time founder and had to learn the hard way.

Money and savings: Self-made millionaire bought parents' first house

Money and savings: Self-made millionaire bought parents' first house: Anna Haotanto was 21 when she set her first major financial goal: buy her parents a home before she turned 30.

At 28, she handed them a new set of house keys, and by the time her milestone birthday rolled around she was officially a millionaire.

Haotanto is not the founder of a multi-million-dollar tech start-up, nor did she grow up with money. In fact, quite the opposite: As a teenager, her family was saddled with thousands of dollars in credit card debts and ever-increasing rents on their apartment in Singapore after the 1997 Asian Financial Crisis caused her parents' textiles business to go bust.

Warren Buffett reimburses Berkshire Hathaway for postage

Warren Buffett reimburses Berkshire Hathaway for postage: Warren Buffett reimbursed his company $50K last year on stuff like stamps��
22 Hours Ago | 00:59
Warren Buffett is giving Berkshire Hathaway shareholders an amazing deal for his services.

In a world where Wall Street firms give lavish compensation to their managers even as many underperform the stock market, the Oracle of Omaha gets paid just $100,000 in salary per year.

"Due to Mr. Buffett's and Mr. Munger's desire that their compensation remain unchanged, the Committee has not proposed an increase in Mr. Buffett's or Mr. Munger's compensation," Berkshire Hathaway said in a securities filing Friday.

Where do you fall on the personal finance spectrum? | TreeHugger

Where do you fall on the personal finance spectrum? | TreeHugger: I love reading The Simple Dollar, and Trent Hamm's articles in particular. He offers great insights into saving money in practical ways, which I appreciate as a mother to young children. Sometimes his articles are more philosophical, such as a recent one called "The Spectrum of Personal Finance." It got me thinking hard about my family's savings rate, which is something I need to do more often.

The idea of a savings spectrum, as described by Hamm, intrigues me. It makes it easier to understand the differences between households and how one can save so much more than another, and how lifestyle choices affect that. Seeing an actual savings rate portrayed in percentages is helpful too; it makes it easier to see where I fit in, relative to where I want to be -- and what I need to do in order to get there.

Tuesday, March 20, 2018

10 Ways to Save Money on Fixed Expenses | Debt | Three Thrifty Guys

10 Ways to Save Money on Fixed Expenses | Debt | Three Thrifty Guys: The other day I had an interesting conversation with my eight year old son in the car about debt. He asked me, “Dad, why don’t you and mom have a lot of debt? Why do you think it’s bad?” I responded, “Well, Elijah, your mom and I don’t want to be a slave to the lender(s). If we don’t have any debt, then no one can foreclose on our home, or�repossess�our car, or force us into bankruptcy.” “You see when Grandpa went through bankruptcy he was forced into it. The bank said it wanted all his assets and his business was shutdown. It wasn’t his choice. No one can say that to you if you owe no one nothing!”

Lyft testing new monthly subscription service | WHEC.com

Lyft testing new monthly subscription service | WHEC.com: Lyft is testing a monthly subscription service for passengers who take multiple rides each month.

The company is currently testing a variety of all-access plans for its passengers.

One plan costs $199/month for 30 rides, and another offers 60 rides for $399.�� �

Uber has previously offered a similar service called Uber Plus Pass.

How to Start Seeds Indoors & Save Money - The Frugal Farm Girl

How to Start Seeds Indoors & Save Money - The Frugal Farm Girl: Two weeks ago the weather reached near the 50s and in Upstate New York, that is so refreshing after a long winter. Every year the girls and I go to our local library and I gather up any gardening books that look appealing and start planning my vegetable garden.

This year I want to add some perennials as well since we have only lived here a couple years. You know the slow progress of landscaping a yard, you want to add so many plants right away, but with a short growing season and a budget, I can only add so many each year.

Starting seeds is an amazing process. I love sharing the experience of planting a seed and watching it grow to harvest. The best part is sharing the experience with your children.

Ways to Save Money on Your Food Expenses

Ways to Save Money on Your Food Expenses: While spending your hard-earned money on nice cars and going on shopping sprees will eat away at your remaining funds after you pay the necessary monthly bills, it may be time to look at your whole financial picture to see where you can maximize savings.� After all, by the time you pay bills, have money for food, gas, then see what’s left for spending and savings, there may not be much left over.� It’s important to cut back in all areas, but one way to take a closer look at your food budget would be to take a look at last month’s debit or credit card statement and see where every dollar is going, whether that’s going out to eat or grocery shopping, to give you a good idea of how much you’re spending, what you’d like to spend, and where you can cut back.

Here's a simple way to save money on your hotel bookings - TravelUpdate

Here's a simple way to save money on your hotel bookings - TravelUpdate: Over the years, I have found there is a pretty simple way to get the best price. All you need to do is put a little bit of time and effort into it.

MY BOOKING PROCESS
Usually when I book a hotel, I do a little research and then try to find the best price. This involves checking sites like Trivago and Booking.com then I will usually make my reservation directly with the hotel.

As I like to collect frequent flyer miles, I will also check both Kaligo and Rocketmiles as booking via those sites earns me a lot of Avios with British Airways. If they are the same price or very close to the price, I’ll book through them.

These Car Care Tips Will Get Your Vehicle in Shape For a Spring Break Road Trip

These Car Care Tips Will Get Your Vehicle in Shape For a Spring Break Road Trip: After driving through a mix of slushy snow and road salt this past winter, your car is probably in need of a little TLC.

7 Tips for Saving Money While Living Off Campus | Discover

7 Tips for Saving Money While Living Off Campus | Discover: Many college students want to try living off campus during their time at school, and that can be expensive. After all, there are numerous expenses involved with living off campus and setting up a new apartment or house, such as buying furniture, getting groceries, hooking up internet service, paying utilities and more.

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Despite having to handle these additional complexities, living off campus often can be more affordable than you might expect. Here are seven ways to save money while living off campus:

Monday, March 19, 2018

20 Best Travel Hacks That Will Save You Money • Ordinary Traveler

20 Best Travel Hacks That Will Save You Money



20 Best Travel Hacks That Will Save You Money • Ordinary Traveler: Here are 20 of the best travel hacks I’ve gathered after 15 years of traveling the world. Use these to save money on your next trip!

Get a $10 Bonus when you sign up with Be Frugal and get cash back on every travel purchase

Costco vs. Boxed price comparison: Which is cheaper? | WSB-TV

Costco vs. Boxed price comparison: Which is cheaper? | WSB-TV: Costco vs. Boxed price comparison: Which is cheaper?
All year long,�Clark.com’s�Michael Timmermann�is sharing quick and easy ways to save money as part of our Michael Saves series. Check in every Monday as he puts new and familiar savings strategies to the test.�Sign up for our newsletter�to have these stories delivered to your inbox!

Boxed.com is referred to as “Costco for millennials,” but can the online-only retailer really save you money?

Money expert Clark Howard put Boxed and Costco on his list of the Top 5 retailers to watch in 2018. He believes Costco’s recent enhancements to its delivery service are a response to the�threat from Boxed.com — not Amazon.

Fixing supper not always thought-free - Burke County Notebook | Community | morganton.com

Fixing supper not always thought-free - Burke County Notebook | Community | morganton.com: I stared into the cupboard. I was craving spaghetti, but couldn’t find even a small can of tomato sauce.

Should I drive to Food Lion? Such a trip would waste gas and pollute the environment. I’d end up buying groceries I didn’t need. Besides, I had other things I could fix for supper.

I could shop at home or as I like to call it — pre-cycle. Pre-cycling seems better for the environment than recycling. If one doesn’t buy anything in the first place, no resources are needed to recycle. Also, every time I pre-cycle, I save money, and I like saving money.

Where to Go to Escape the Noise, Save Money, and Jumpstart Your Digital Nomad Lifestyle - Influencive

Where to Go to Escape the Noise, Save Money, and Jumpstart Your Digital Nomad Lifestyle - Influencive: I’m writing this from the 22nd floor of my apartment complex in Hong Kong. Last week I was in Perth, Australia. Next week I’ll be in Taipei.

Like many of my fellow millennials, I’ve taken inspiration from Tim Ferriss’ 4-Hour Workweek, Rework, and the Tropical MBA and followed the call of digital nomadism. Many share the fantasy of working from a beach, but the reality is that it takes practicality and planning.

If your laptop is your only connection to the working world, you need a good connection to the internet. If you are sacrificing your high paying office job to freelance or start a business, you need to live somewhere affordable.

Artificial Intelligence Stocks: The 10 Best AI Companies | Stock Market News | US News

Artificial Intelligence Stocks: The 10 Best AI Companies | Stock Market News | US News

How to keep your medical costs down - The Washington Post

How to keep your medical costs down - The Washington Post: Big deductibles. Higher co-pays. Skyrocketing premiums. We’re all paying more for medical care these days.

Faced with steeper costs, some people are skipping treatments or postponing doctor visits. Don’t let the high cost of medical care hurt your health. Here are nine ways to save money and stay healthy.

Here's how much time and money you save by working remotely | Ladders | Business News & Career Advice

Here's how much time and money you save by working remotely | Ladders | Business News & Career Advice: Here’s one more reason to convince your boss to let you work from home — it pays.

Looking at data from job boards and the U.S. Bureau of Labor, SimpleTexting�recently calculated how much money U.S. employees save when they forego the drudgery of office life. No more offices mean no more expensive commutes, no more costly work uniforms, and no more $15 lunches you end up buying in a rush. Sign us up!

50 ways to save money right now

50 ways to save money right now: Tired of always being broke? Here are some clever ways to save money without compromising your lifestyle.�

AARP seeks state-sponsored savings program in Arkansas

AARP seeks state-sponsored savings program in Arkansas: The American Association of Retired Persons in Arkansas is pushing for legislation focused on retirement savings in the state.

Vanessa Nehus, associate director of advocacy for the AARP in Arkansas, said that the plan, called Work and Save in Arkansas, would give working people in the state the option to collect pretax savings directly from their paychecks in addition to their Social Security funds. She said she and others at the AARP believe such a plan will help more people be able to retire in the state than 401K plans or similar options.

How to save money on travel from London to Edinburgh | Daily Mail Online

How to save money on travel from London to Edinburgh | Daily Mail Online: Edinburgh may be known as the Athens of the North but with a little research, you could be wandering among the famous neo-classical ruins on Calton Hill for a fraction of what it would take to whizz you to the Acropolis. Follow our tips and you can be enjoying a dram with all the glam that the Scottish capital has to offer without breaking the bank.

3 steps to Fix a Leak and save money | City of College Station

3 steps to Fix a Leak and save money | City of College Station: More than one trillion gallons of water from easy-to-fix leaks are wasted in U.S. homes each year. That’s why the City of College Station is joining with the U.S. Environmental Protection Agency to encourage you to find and fix leaks during this week’s annual Fix a Leak Week.

Sponsored by the EPA’s WaterSense program, Fix a Leak Week can help you improve the water efficiency of your home by finding and repairing leaks. In an average home, leaks waste more than 10,000 gallons of water annually – enough to wash 270 loads of laundry. That makes for a hefty water bill, too.

You can identify leaks in your home and start saving today with these three simple steps:

Easy Ways to Cut Your Monthly Spending Habits

Easy Ways to Cut Your Monthly Spending Habits: If you're in the process of creating a monthly budget so you can save money for big goals or pay off debt faster, you may be looking for easy ways to trim your monthly spending habits. Experts share tips on how you can save more money each month to help you reach your financial goals.

Seeing your annual expenses categorized by type is a great way to spot where you can make spending cuts. “Some things will just jump off the page,” says Daniel D’Ordine, CFP, founder of DDO Advisory Services LLC, which offers financial planning, investment management, and insurance solutions for families and business owners in New York City, the Hudson Valley, and New England.

“Using an app such as Mint, which automatically imports and categorizes your expenses, will give you a bird’s-eye view of your financial standing,” which also can help you decide where to cut back, says Keri Danielski, consumer finance expert and spokeswomen for Intuit’s money management tools Mint and Turbo.

Read our top 5 tips on how to save on bills and mot waste your water or wonga — plus how you can get two free tickets to Alton Towers Resort

Read our top 5 tips on how to save on bills and mot waste your water or wonga — plus how you can get two free tickets to Alton Towers Resort: Tim Robertson, of specialist water saving firm Save Water Save Money, says: “Many people don’t realise only one per cent of the world’s water can be turned into fresh drinking water.

“It’s vital we look after what we do have. Saving water isn’t about taking fewer showers, but making your water use more efficient.” Follow these tips to feel flush.

Woman reveals incredibly simple budget plan that helped her save for a flat in three years... and she still had fun

Woman reveals incredibly simple budget plan that helped her save for a flat in three years... and she still had fun: She managed to save enough to buy a home in Auckland in 2015 - and despite her strict budgeting, she still had enough cash left over to have fun.

Cherie told how her mum taught her the hack for organising money.

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It involves setting up three different accounts - one for "working or regular bills", a "slush fund" for irregular bills and a "savings" account.

Money Mondays: 10 Ways to Cut Your Living Expenses and Save for Emergencies - Apartment Prepper

Money Mondays: 10 Ways to Cut Your Living Expenses and Save for Emergencies - Apartment Prepper: Normally, you expect the bulk of your monthly salary to go toward items like rent, cable, utilities, groceries, and childcare. It’s not fun, but it’s a part of being an adult. But maybe you want more of your money to stretch further. This article will cover ten common living expenses and will teach you the necessary tips to cut down on those expenses, letting more money go toward family emergencies and other household needs.

Tony Robbins' son on the money lessons he learned from his dad

Tony Robbins' son on the money lessons he learned from his dad: Most individuals take money cues from their parents.

For Josh Robbins, those lessons came from his father, Tony Robbins, a life and business strategist who has published best-selling books on managing money.

Josh Robbins, chief strategy officer at America's Best 401k, said he still applies those values to how he approaches money.

7 things you HAVE TO stop buying if you want to save serious money | SHEmazing!

7 things you HAVE TO stop buying if you want to save serious money | SHEmazing!: Saving can be an absolute pain in the hole, but it's a necessary evil to achieve certain life goals.�

Whether you're saving up for a new bicycle, six months of travelling the world, or that Gucci belt you've been hearting on Instagram forever, here are a few things to cut out to build up the nest egg.

50 Ways To Save Over �10,000 Every Year - The Humble Penny

50 Ways To Save Over �10,000 Every Year - The Humble Penny: There are many ways to save money each day. Some less obvious than others.

Further to the popular 85 Ways To Make Extra Money, this post explores the variety of unique ways to save money monthly.

Everyone saves money in some way. Some regularly and others less so.
The thing I have found extremely useful in considering savings is to do it actively and deliberately.

Connecting your savings to a future goal or outcome also serves as motivation to do it, whilst keeping things fun.

Shipt launches same-day delivery from Target, Lidl, Kroger | Consumer & Retail | pilotonline.com

Shipt launches same-day delivery from Target, Lidl, Kroger | Consumer & Retail | pilotonline.com: There’s a new grocery delivery service in town, and this one boasts more than 55,000 options from just one of its stores.

Shipt, an online subscription-based marketplace, began same-day deliveries last Thursday from three local stores: Target, Lidl and Kroger.

For $99 a year, customers can create grocery lists using the company’s phone or desktop app. After paying, the customer selects a one-hour window for delivery. Shipt spokesperson Kit Naramore said customers who purchase at least $35 worth of groceries will receive free delivery. Orders less than that will require a $7 delivery fee .

Number of homeowners carrying out home improvements rather than moving increases five-fold, study finds | The Independent

Number of homeowners carrying out home improvements rather than moving increases five-fold, study finds | The Independent: It’s almost Easter. The chocolate eggs are firmly entrenched on supermarket shelves, the tourist season is gearing up, and DIY stores up and down the land are bracing themselves for the onslaught that heralds the four-day break.

This year, they’ll have their work cut out for them, because we are officially becoming a nation of homeowners that stay put and alter.

In fact, in the last four years, there has been a five-fold increase in the number of homeowners choosing to remain in their property and carry out home improvements rather than moving on.

Cereal with milk can be expensive meal - Midland Reporter-Telegram

Cereal with milk can be expensive meal - Midland Reporter-Telegram: Holy cow! Has anyone else noticed that their grocery bill is out of control? Two years ago, I spent roughly $400 a month on groceries for our family of four. This year, my grocery bill has almost doubled. And I’m not buying anything different, nor have I gone all organic or anything crazy like that. I sound exactly like my mother when I say, well, that’s inflation for you. The same food you bought two years ago just costs more now.

I started examining the receipts, wondering if mistakes had been made. I realized one of my family’s biggest grocery expenditures is on cereal and milk. My kids love cereal. In fact, Little Son would eat nothing but cereal and bacon if I let him. He generally has two bowls in the morning and tries to come home and have cereal as a snack or second dinner. Now, before you get all Judge Judy on me, I don’t buy sugary cereal. They love Cheerios, Raisin Bran and Frosted Mini Wheats. Even when I make a real breakfast with eggs and sausage or bacon, he generally still wants a bowl of cereal. He likes what he likes. I have tried to make his all-cereal, all the time diet slightly better by buying Fairlife milk. If you haven’t heard of Fairlife, it hit shelves a few years ago. It is “ultra filtered” -- whatever that means -- and has more protein than regular milk. It also tastes really good and lasts forever. Well, for regular people who don’t drink a lot of milk. But Fairlife is pricey – about $3.50 for less than a half-gallon. Just to give you an idea, half-gallon of Horizon organic milk is $4.46 and Great Value organic milk is $3.88. We use at least a gallon and a half of milk a week. Cheerios and Mini Wheats are $3.64 a box, with Raisin Bran coming in the cheapest at $2.88.

Sunday, March 18, 2018

Learn which days are the best to save money

Learn which days are the best to save money | News | thesnaponline.com: Few people would pass on the opportunity to save money. Clipping coupons, redeeming discount codes and shopping sales are par for the course for the average consumer. What some may not realize is that shopping on particular days of the week or during certain times of the year can yield even greater discounts.

According to Charlie Graham, chief executive of ShopItToMe, a website that provides email alerts to consumers when their favorite items go on sale, significant price differences can be seen on a day-to-day basis, depending on the items.

How I lived it up in Las Vegas without breaking the bank | Stuff.co.nz

How I lived it up in Las Vegas without breaking the bank | Stuff.co.nz: I took a breath, buried my pride and slid the US$20 ($27) bill across the counter, suggestively.

"Are there any complimentary upgrades available?" I asked the woman working the check-in at the Luxor Hotel & Casino on the Las Vegas Strip.

I was in town for four nights and on a mission to live it up in Las Vegas while keeping my bank account in check - so I'd packaged my flight and hotel, chosen the cheapest room available and hoped for a little of that Sin City sleaze to make my stay a little more lavish.

Simple bribery? Unabashed passing of the cash? I'd heard that worked.

3 Big Problems With Roth IRAs | Fox Business

3 Big Problems With Roth IRAs | Fox Business: In the 1980s, 60% of employees were offered pensions by their employers. Today, that figure is less than 5%. The decline has shifted the responsibility of saving for retirement to workers, many of whom are turning to Roth IRAs. Over one-third of U.S. households owned a Roth IRA in 2016, and if you're thinking of joining them this year, you have until the tax-filing deadline in April to make a contribution for 2017.

Moncton company launches app to help you save money - New Brunswick - CBC News

Moncton company launches app to help you save money - New Brunswick - CBC News: A Moncton-based tech startup has launched a new app it hopes will help people manage their spending habits.

Quber was a finalist in the New Brunswick Innovation Foundation competition last year, and last week it was made available to download free on Android and Apple devices.

Co-founder Jen Leger says based on your spending habits, you can set challenges for yourself and get notifications throughout the month to keep you motivated.

Saturday, March 17, 2018

Experts share advice for first-time homebuyers | Duluth News Tribune

Experts share advice for first-time homebuyers | Duluth News Tribune: Buying a home for the first time can be an overwhelming experience, but experts in the field say there are some things prospective homebuyers can do to ease those headaches.

Most Americans Save Little to No Money – USA Herald

Most Americans Save Little to No Money – USA Herald: Unfortunately, the recent economic gains are not prompting the majority of Americans to save considerable amounts of their earnings. A new Bankrate survey affirms that 20% of people in the U.S. fail to save any of their money. Furthermore, an additional 16% of Americans save more than 15% of capital, whilst 25% save 6-10%. Another 21% of people put aside 5% of their earnings.

Air-drying your clothes: How much money does it really save? | KIRO-TV

Air-drying your clothes: How much money does it really save? | KIRO-TV: If you like to save money, you know your monthly utility bill is a prime target for reducing your budget.

We’ve talked for years here on Clark.com about things like low-flow shower heads and toilets, energy efficient bulbs and many other way

Friday, March 16, 2018

Cryptocurrency Impact On Your Business And Your Response - Nasdaq.com

Cryptocurrency Impact On Your Business And Your Response - Nasdaq.com: It’s hard to ignore the sweeping popularity that cryptocurrency has enjoyed over the past few years. Last year illustrates the powerful force behind digital currency. Bitcoin, the biggest name in the market, grew from�under $1,000 at the start of the year�to a peak of nearly $20,000 by the end of December. As a result, more people are investing in digital currencies and exploring their potential in the business world.

Food delivery competition heats up; third parties help restaurants

Food delivery competition heats up; third parties help restaurants: Digital ordering heavyweight Olo is expanding its online empire.

Olo, which creates the software that allows customers to order food from online menus and prepay in advance of deliveries, told CNBC that it is partnering with third-party delivery service DoorDash and digital ordering marketplace EatStreet.

From Apple to Lockheed Martin, 9 stocks to buy this spring

From Apple to Lockheed Martin, 9 stocks to buy this spring: Spring isn't just about cleaning out closets or shopping for your dream home. It's also a good time to freshen up your stock portfolio.

How? By�jettisoning stocks you no longer like and buying�ones with�potential to bloom.

And with the U.S. stock market back on stronger footing after a rocky period early in February and the start of spring coming�Tuesday, now's a good time to re-energize your investments.

Is Weak Wage Growth Behind The Low Savings Rate? | Bankrate.com

Is Weak Wage Growth Behind The Low Savings Rate? | Bankrate.com: If it’s been awhile since you’ve gotten a raise, you’re not alone. A recent Bankrate survey from noted that only 48 percent of Americans reported receiving a raise or a job with a higher salary in the past 12 months.

Tap your credit cards for spring break savings | WVAlways | WBOY

Tap your credit cards for spring break savings | WVAlways | WBOY: If you've been stuck in that familiar post-holidays, pre-summer travel dry spell, chances are you've had your spring break dates circled on the calendar for some time.

You've likely already set your destination and bought your tickets, but there are still ways you can save money on your trip, especially if you have the right credit card.

Whether you're bound for an international adventure or a visit to the in-laws, here are some features and benefits you may be able to enjoy.

Clean Electricity is Now Cheaper Than Traditional | Easy Money Show

EPISODE 40 ~ SAVE MORE: Go Green: News flash! Clean Electricity is Now Cheaper Than Traditional | Easy Money Show: People in 30 out of 50 states have the option of switching their gas provider, electric provider or both.� That can save you green and be more green because there may be an alternative supplier that costs less and does more for the environment.� A startup called Arcadia Power has created software that tracks the power companies in many areas and helps you find a better deal.� My guest is Kiran BhaTRAju, CEO of Arcadia Power.� Kiran, welcome to Easy Money.

Save on flowers and plants this spring | The Kansas City Star

Save on flowers and plants this spring | The Kansas City Star: Whether you're brightening up your landscaping or adding some new friends to your urban garden, plants and flowers can be very expensive. With small plants running around $5 to $10 and larger plants anywhere from $30 to $80, a large haul at the nursery each season can end up costing hundreds.

GRADD announces new website to assist Medicare beneficiaries with saving money - KyForward.com | KyForward.com

GRADD announces new website to assist Medicare beneficiaries with saving money - KyForward.com | KyForward.com: The Green River Area Development District (GRADD) is pleased to announce that they have partnered with the National Council on Aging (NCOA) and have added a consumer-friendly website allowing people to see if they potentially qualify for hundreds of benefits, using the Benefits CheckUp. This will allow more people with Medicare in the seven-county GRADD region to improve their financial outlook by enrolling in programs that save money on health care, prescriptions, food, and more.

Rx Lookup Tools Help Save You Money on Medication Costs | LowestMed

Rx Lookup Tools Help Save You Money on Medication Costs | LowestMed: So you just visited the pharmacy counter and immediately got sticker shock, because your medication’s price was way more than you expected to pay. You begin to wonder, what can I do to afford it? Shopping around, using Rx lookup tools, could be your best answer.

Thursday, March 15, 2018

7 ways to save for retirement if you divorce later in life

7 ways to save for retirement if you divorce later in life: Ending a marriage can be emotional and full of decisions or challenges at any age. When couples over age 50 divorce, they often face the additional task of supporting two separate retirement plans using the assets intended for their combined nest egg. If you find yourself in this position, the following steps can help you boost your savings so that you have enough money to last what could be decades in retirement:

Despite An Improving Economy, 20% Of Americans Aren't Saving Any Money | Bankrate.com

Despite An Improving Economy, 20% Of Americans Aren't Saving Any Money | Bankrate.com: A rising tide isn’t lifting all boats.

The unemployment rate�rests at a post-recession low, stocks flirt with all-time highs and paychecks are perking up in recent months thanks to a slight increase in wages and the implementation of the GOP tax bill. Consumers are as confident�as they’ve been in two decades.

St. Louis Is as Welcoming as It Is Budget-Friendly - The New York Times

Tom Duggan, the man behind the counter at Lemon Gem Kitchen Goods in St. Louis, Mo., was so talkative that I couldn’t help but stay and chat. He was filling in for his daughter, the shop’s owner, Beth Styles. I asked him what he liked about St. Louis and he said he once had a job that entailed a lot of travel, and that he always liked coming home. “It’s a great place to raise a family, the schools in the county are good, and the real estate is reasonable,” he said. “It’s a big small town.”



St. Louis Is as Welcoming as It Is Budget-Friendly - The New York Times

Wednesday, March 14, 2018

Google bans cryptocurrency advertising, bitcoin price slumps

Google bans cryptocurrency advertising, bitcoin price slumps: Alphabet Inc’s (GOOGL.O) Google said on Wednesday it was banning advertisements for cryptocurrencies and initial coin offerings, the latest internet company to clamp down on the sector amid growing concerns about scams.

Intensifying trade-war fear drives Dow, S&P 500 to 3rd straight drop; Boeing weighs - MarketWatch

Intensifying trade-war fear drives Dow, S&P 500 to 3rd straight drop; Boeing weighs - MarketWatch

Student loans leading cause of stress in college students | News | dailyhelmsman.com

Student loans leading cause of stress in college students | News | dailyhelmsman.com: For many students, the stress of trying to maintain good grades and finish college on a strong note can be overwhelming. If the task of managing one’s finances and paying off student loans is added to the mix, the stress can sometimes become unbearable.

Although the pressures of maintaining good grades and finishing college strong can be sources of anxiety for many college students, the biggest worry they have is about money, according to a 2015 Ohio State University study.

Walmart to expand grocery delivery business to 800 stores by year's end

Walmart

Source: Walmart
Walmart to expand grocery delivery across US following pilot test: Walmart plans to expand its online grocery delivery service to a fleet of roughly 800 stores by the end of the year, as competition continues to ramp up in the digital grocery aisle.

The expansion will open up the retailer to 100 metropolitan areas, reaching more than 40 percent of U.S. households. It will offer shoppers same-day delivery of fresh produce, meat and seafood, along with non-perishable items.

Invest in these three home items to save money in the long run

Invest in these three home items to save money in the long run: There are few things more frustrating than saving up your hard-earned dollars to finally buy the item you’ve been eyeing off, and then

scuffing/breaking/scratching or staining it soon thereafter. It’s almost tragic.

Luckily, there are some companies aware of the human propensity for accidents and laziness, who developed products that save us from ourselves, and therefore, save us money.

There are three key items in your home – whether you’re renting out a holiday home or looking after a rowdy brood – that can save you money in the long run with a little investment up front.

21 Savage Performs ''Bank Account'' on 'Ellen' - XXL

21 Savage Performs ''Bank Account'' on 'Ellen' - XXL: In February, 21 Savage's manager, Meezy, said the rapper would be moving away from wearing jewelry and getting into investing. "21 Savage no longer wears jewelry .... buying houses .. investing in businesses .... crypto & youth start ups is what he wanna make cool for young rappers to do," he tweeted. "Lead by example."
The move was praised by Jermaine Dupri, who said, "This is industry is like school, man. People get it in it, they don't know much about it when they get in it and then once they get in, they learn." He added, "That's what 21 is doing. He's evolving, he's seeing money. He's probably seeing money that he never saw before."

I saved $1,000 a month using these 5 easy tricks - Business Insider

I saved $1,000 a month using these 5 easy tricks - Business Insider: A few months ago, I decided that it was time to get myself on the right financial track. A few things had gone on in my life that prevented me from making correct financial decisions—a divorce that left me without a second income, taking on all of the living expenses plus adding a spousal payout into the mix—and I began robbing Peter to pay Paul.

9 inspired ways to save money while building your business | Regional | idahostatejournal.com

9 inspired ways to save money while building your business | Regional | idahostatejournal.com: It’s extremely difficult for small businesses to survive the long haul. Business owners need to find that magical place between providing customers with what they need in a simple and knowledgeable way while making smart money decisions. Not living up to this last point is a reason many businesses fail.

What’s the solution? Start by finding ways to save money. Many small business owners reject certain money-saving opportunities because they think they don’t make enough of a difference. But any money you save is a mark in the plus column — and it all adds up.

Tuesday, March 13, 2018

Is Trump Destroying the Bull Market in Stocks? - TheStreet

Is Trump Destroying the Bull Market in Stocks? - TheStreet: Hang tough with your eight screens, stock traders. This week is far from over, and President Trump seems determined to remind everyone of that.�

Here are several things that caught TheStreet's attention during Tuesday ugly session.�

These 10 Stocks Are Gifts That Keep on Giving

These 10 Stocks Are Gifts That Keep on Giving - Slide 1 | GOBankingRates: Traditionally, gifts for a college graduate or a newly married couple are depreciating assets — like a new car or a set of stainless steel pots and pans. But what if you could give a gift that had the potential to rise in value over time instead?

Gifting shares of stock can do just that. Gifting stock is a simple process. You can buy shares in your own account, then complete some simple paperwork to send those shares into the account of someone else. Even if you just buy one share of stock, it could still be a very generous gift. If you give a share of Berkshire Hathaway's pricier stock, for example, you'll be gifting more than $300,000.

Green Swaps that Save the Planet and Money too

Green Swaps that Save the Planet and Money too

Green Swaps that Save the Planet and Money too: It’s that time of year when kids will be bidding adieu to their current classes and parents will gear up to buy new tiffins, water bottles and a lot of other stuff for their wards. While we are making this change, here are a few green swaps that can make you save money while reducing your carbon footprint and saving planet earth:

4 Smart Shopping Tips to Save Money in the Long Term

4 Smart Shopping Tips to Save Money in the Long Term: Do you dread shopping, thinking about how costly it is likely to be? If your bottom line on your receipts are outside of your intended budget, it is time to think smarter. Use some of these tried-and-true techniques to help you save as much money as possible over time.

Unconventional Money Saving Tips

Unconventional Money Saving Tips: Everywhere you go online there seems to be advice about how to save money and manage a budget. Often, these tips are only useful if you already have some money stored away in savings or if you have a well-paying job. It’s just as important, if not more so that people struggling with a low income, debt, or any other factors affecting their ability to save money are able to make changes to their lives and finally see their bank accounts grow. It isn’t always about becoming rich overnight or adding to a pile of already successful investments; saving money makes life less stressful overall since it gives you the freedom to relax and enjoy yourself without worrying about emptying your pockets. If there truly was an effective get rich quick scheme, then the world would be a very different place. However, there are a few under-appreciated methods of saving money and feeding your bank account. Here are some of the most helpful and unconventional ways you can start saving money now.

Father and His Five-Year-Old Daughter Write Kids Financial Advice Book | Fatherly

Father and His Five-Year-Old Daughter Write Kids Financial Advice Book | Fatherly: From the moment his daughter Kennedy was born, Chris O’Neal has made it his mission to teach her the value of money. And at age five, she’s already a money-saving savant, wisely tucking half of the cash she receives from birthdays, chores, and the�Tooth Fairy into a jar, which then makes its way into a savings account. Naturally, Chris, a real estate investor, was happy to see his daughter demonstrate such a high level of patience at such a young age. But what really blew him away was her idea to write a kid’s book about how to save and handle money.

Tech Stocks Stage Stunning Recovery: 5 Nasdaq 100 Picks

Tech Stocks Stage Stunning Recovery: 5 Nasdaq 100 Picks: A jobs report tailor-made to boost investor sentiment helped U.S. stocks surge higher last Friday. The biggest beneficiaries of this data were tech stocks, with the Nasdaq hitting closing and intraday records. In the process, the index recouped losses incurred during February’s correction, inching up marginally.

Clearly, investors are seeking out tech stocks in an environment where growth-oriented investments are a favored option. Additionally, tech stocks have seen a successful earnings season and are expected to report strong numbers through 2018. With no roadblocks in sight, it makes sense to bet on large-cap tech stocks from the Nasdaq 100 at this point.

10 Warren Buffett Stocks With the Fastest-Growing Dividends

10 Warren Buffett Stocks With the Fastest-Growing Dividends: Many investors are familiar with some of the iconic businesses Warren Buffett’s Berkshire Hathaway (BRK.B) has held stakes in for many years, or even decades. From Coca-Cola (KO) to Wells Fargo (WFC), a lot of these dividend stocks have now reached a more mature stage in their lifecycle, providing predictable income, but far from stellar payout growth.

However, Berkshire Hathaway isn’t just invested in sleepy blue chips. It also holds a group of dividend-paying stocks that have potential to continue raising their payouts at a fast clip

Cramer introduces the 'cloud kings,' tech's hottest new stock group

Cramer introduces the 'cloud kings,' tech's hottest new stock group: 'Cloud kings' tech's hottest new stock group��
14 Hours Ago | 01:23
Since CNBC's Jim Cramer is in San Francisco this week, he wanted to go over a new stock group in technology space that's just refusing to quit.

"I'm calling them 'the cloud kings,' the seven software companies that are transforming the way their customers do business," the "Mad Money" host said on Monday. "I've been telling you about the cloud revolution for years now, ... but the truth is it's still in its early stages, which is why I still like the seven kings of the cloud: Adobe, Salesforce.com, ServiceNow, Red Hat, VMware, Splunk and Workday."

My 7 Must-Own Stocks to Build Up Your Retirement | InvestorPlace

My 7 Must-Own Stocks to Build Up Your Retirement | InvestorPlace: I have a completely different philosophy for retirement stocks than virtually anybody else in the financial markets.

The prevailing wisdom is to overweight in bonds in order to generate income and to allegedly reduce volatility in the overall portfolio. That’s horrible advice, mostly because bonds and bond funds are actually more volatile than stocks are.

The other terrible advice that is given to current and pending retirees is that retirement investors should plow money into blue-chip stocks that pay dividends of 2% to 3%.

That is also terrible advice because ever since the Federal Reserve reduced yields, a lot of retirement investors have moved further out on the risk curve into exactly these stocks, bidding them up to levels that are unsustainable.

Monday, March 12, 2018

5 Notable Dividend Stocks Boost Payouts, Including Qualcomm, Inc.

5 Notable Dividend Stocks Boost Payouts, Including Qualcomm, Inc.: Five notable dividend stocks increased their payouts over the last week. This included two businesses involved in the wireless communications industry, a popular toothpaste manufacturer and a major defense company.

7 GARP Stocks to Scoop Up for Maximum Returns - March 12, 2018 - Zacks.com

7 GARP Stocks to Scoop Up for Maximum Returns - March 12, 2018 - Zacks.com: Investors on the lookout for stocks with the potential for maximum growth and value investing may consider the growth at a reasonable price or GARP strategy.

This popular strategy helps investors gain exposure to stocks with impressive growth prospects that are trading at a discount. GARP investing employs popular value metrics — price-to-earnings (P/E) and price-to-book value (P/B) ratio — to evaluate whether a stock is undervalued.

Saver’s Credit Could Boost Your Refund by $2K. Do You Qualify?

Saver’s Credit Could Boost Your Refund by $2K. Do You Qualify?: Believe it or not, the government will pay you to save.

I’m serious. Check this out.

It’s called the Saver’s Credit, and it’s one of the most valuable tax credits available. But sadly it’s one of the most overlooked.

If you’re a low- or middle-income worker, you can take this tax credit if you contribute to a 401(k), Roth IRA or traditional IRA — up to $1,000!

Not only do a lot of people forget about this credit, but tragically, too many low-income workers take a pass on the benefits of retirement investing because of the financial strain they worry it will have on their tight budgets.

But keep reading, and I’ll show you how to make saving a little easier.

Wall Street's 89 Star Dividend Stocks For March, 2019

Wall Street's 89 Star Dividend Stocks For March, 2019 | Seeking Alpha: Projections based on estimated dividend returns from $1000 invested in the thirty highest yielding stocks and their aggregate one year analyst median target prices, as reported by YCharts, created the 2018-19 data points. Note: one year target prices by lone analysts were not applied. Ten probable profit-generating trades projected to March, 2019 were:

Get 10% Cash Back At Macy's

Get 10% Cash Back from your purchases at Macy's if you sign up for Coupon Cactus Save this on every purchase in addition to Macy's sale prices. 

11 Smart Retirement Moves You Can Make Right Now

11 Smart Retirement Moves You Can Make Right Now: It's easy to assume that if you're, say, 20 or 25 years away from retiring, you needn't do much about it now, other than socking away some money. But if you'd like at least to not run out of money in retirement and ideally to have a very comfortable and enjoyable retirement, you should be making smart moves throughout your life.

Here are 11 smart retirement moves you can make now and this year -- most of which are effective no matter how old you are now.

Want To Save Money? Stop Getting Charged For THIS.....

wfmynews2.com | Want To Save Money? Stop Getting Charged For THIS.....: “A lot of people will set up their automated payments and they don't even realize they're still going out. It could be a service you used to pay for and enjoy but now you never use. And the way it's set up, it come and go out from your bank account for ever and ever.”

5 Essential Saving Secrets & Money Hacks • Money After Graduation

5 Essential Saving Secrets & Money Hacks • Money After Graduation: When it comes to saving money, it’s easier said than done. Most people actually suck at saving, with most households only socking away a pitiful 4% of their income. We used to be better at it, but easy credit, high debt loads, stagnant wages, and giving into our temptations to buy everything in sight has eroded our once good money habits and left little but spare change in their wake.

Get an early start: A smart $100 deposit from state for college saving | Pittsburgh Post-Gazette

Get an early start: A smart $100 deposit from state for college saving | Pittsburgh Post-Gazette: Pennsylvanians need to start saving more money for two of life’s milestones, college and retirement, because costs for both are ever on the rise. State Treasurer Joe Torsella and other officials have rolled out a program to help with the former, and children in six counties will be the first beneficiaries of this worthy venture.

For the next two years, every child born or adopted in Westmoreland, Delaware, Elk, Indiana, Luzerne and Mifflin counties — estimated to be about 28,000 in all — is eligible to receive a $100�“starter deposit” on a college savings plan. Parents can enroll their children in the Keystone Scholars demonstration program at pa529.com/​keystone. Invested by the state, the $100 is expected to grow to as much as $414 by the time the first beneficiaries are old enough to use it.�

Best And Worst S&P 500 Stocks Of The Bull Market | Seeking Alpha

Best And Worst S&P 500 Stocks Of The Bull Market | Seeking Alpha: To commemorate the nine-year anniversary of the bull market, in an earlier post, we highlighted the best- and worst-performing stocks of the bull market that began on 3/9/09. The first list below highlights the 25 top-performing current members of the S&P 500 since the bear market low in March 2009. The best performer of them all has been GGP Inc. (NYSE:GGP). On 3/9/09, the stock closed at $0.28 and was for all intents and purposes on its way to zero. This past Friday, the stock closed at $21.13. Not a very high dollar price, but still enough for a gain of over 7,400%! Bill Ackman has been criticized for a number of high-profile bets that didn't go his way, but GGP was one where he literally made billions! Other stocks on the list of biggest winners are probably familiar to a lot of readers, as Netflix (NASDAQ:NFLX), Ulta Beauty (NASDAQ:ULTA), Align Technology (NASDAQ:ALGN), Nvidia (NASDAQ:NVDA), Booking Holdings (NASDAQ:BKNG), and Amazon.com (NASDAQ:AMZN) have all rallied more than 2,000%.

Apple And 4 Other Stocks That Fit Buffett's Investing Style

Apple And 4 Other Stocks That Fit Buffett's Investing Style: The much-anticipated release of Warren Buffett's annual letter to Berkshire Hathaway (BRK.A)� shareholders at the end of February ignited the internet with a flurry of market and investment commentary. Some focused on the Berkshire's hefty cash balances against the dearth of acquisition opportunities, while others expanded on the famous ten-year, million-dollar bet Buffett waged—and won—that the S&P 500 would outperform a bundle of hedge funds (selected by investor Ted Seides).

By The Numbers: Best Stocks In Consumer Discretionary | Seeking Alpha

By The Numbers: Best Stocks In Consumer Discretionary | Seeking Alpha: Companies in the consumer discretionary sector are significantly exposed to fluctuating consumer demand, and the sector is particularly sensitive to economic conditions. Besides, emerging trends such as online commerce and omnichannel retail are both a huge opportunity and a considerable challenge for companies in the consumer discretionary sector.

On the other hand, the consumer discretionary sector also is home to many of the most profitable brands in the world, and the industry is fertile ground for smart companies making big money for investors by delivering the right products to consumers at the right time.

The Money Apps a Personal Finance Writer Swears By

The Money Apps a Personal Finance Writer Swears By�:

As a personal finance writer, I’m constantly testing out new money apps and programs, on the hunt for the most helpful and easy-to-use tools. And while I haven’t tried every app on the market, there are a handful that really stand out to me, and that I use in my day-to-day life to manage my finances.

Obviously my financial situation is different than yours, but here’s what I currently use to budget, check my accounts and save for goals. You’ll notice some categories are missing, like microinvesting apps. Right now they aren’t in line with my personal needs, though you may like them.

It all adds up | BizTimes Media Milwaukee

It all adds up | BizTimes Media Milwaukee: It’s Sunday afternoon, and I am grocery shopping. I am wandering the aisles, checking off items on my list and filling up my cart. I’m not taking any time to actually stop and look at what I am buying. Before I know it, my cart is full and not with just items on my list. There are healthy items in my cart but there are also many not so healthy selections. As I look down at my cart, I stop and think I really need to start looking at the nutrition labels of what I am buying.

Money Saving Tricks That Have Saved Me $1K a Month | Reader's Digest

Money Saving Tricks That Have Saved Me $1K a Month | Reader's Digest: A few months ago, I decided that it was time to get myself on the right financial track. A few things had gone on in my life that prevented me from making correct financial decisions—a divorce that left me without a second income, taking on all of the living expenses plus adding a spousal payout into the mix—and I began robbing Peter to pay Paul.

What you need to know before filing your taxes - Mar. 12, 2018

What you need to know before filing your taxes - Mar. 12, 2018: You have about a month left to file your 2017 taxes.
Remember, most of the provisions of the new federal tax law don't apply yet. They will affect your 2018 taxes, which you'll file next year.

It's the old tax code that governs the deductions, credits and other measures you can use to save money on your 2017 tax return due in April.
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The best sort of investment is always on the self | GulfNews.com

The best sort of investment is always on the self | GulfNews.com: Investment comes later and returns come first. That’s how our minds work when we have funds to manage and net worths to multiply. But what actually escalates your progress?
Honestly, it is self-investment.

Many people fail to comprehend that everything you learn and own always stays with you as priceless assets. These are the core ingredients that build you.
Financial success is an abstract concept that can translate into different definitions to different people. The biggest risk that you can take in an investment strategy is to rely on someone else to drive profit for you.

Apple rumors point to cheaper iPads and MacBooks this year : premises

Apple rumors point to cheaper iPads and MacBooks this year : premises: An influx of rumors suggest that we should expect cheaper iPads and MacBooks this year. First, we know that the MacBook Air may be getting a less-expensive refresh, as hinted by multiple reports. The latest comes from DigiTimes, which today reported that Apple will launch a new 13.3-inch “entry-level” MacBook late in Q2 this year.

Smart investors say seek value, gold after bull market's ninth birthday

A man enters the Wall Street subway station near the New York Stock Exchange.Michael Nagle | Bloomberg | Getty Images

Smart investors say seek value, gold after bull market's ninth birthday: Investors may need to lower their expectations for stock gains this year after celebrating the ninth birthday of the bull market Friday.

The S&P 500 bottomed at 676.53 on its March 9, 2009 close. It has risen around 300 percent since the low.

We are at a pivotal moment for the financial markets — the tax reform plan is behind us, Wall Street-favorite Gary Cohn resigned from the White House and there are rising prospects for a Democratic wave in the November midterm election.

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3 Chip Stocks Poised to Rise as Much as 26% | Investopedia

3 Chip Stocks Poised to Rise as Much as 26% | Investopedia: The chip sector has been one of the strongest sectors�in the stock market in 2018, with the iShares PHLX Semiconductor ETF (SOXX
SOXX
iSh PHLX Semcn
197.05
1.44%

) up by nearly�14.4%, easily outperforming the S&P 500 rise of only�4.2%. Believe it or not, there are still stocks in the group that are undervalued based on analysts' price targets by 10% or more, and could continue to rise. Three such stocks are Broadcom Ltd.�(AVGO
AVGO
Broadcom Ltd
263.38
3.78%

), Lam Research Corp. (LRCX
LRCX
Lam Research Corp
228.57
1.61%

)�and Applied Materials Inc. (AMAT
AMAT
Applied Materials Inc
61.44
-0.28%

).

Richard Pease's 3 Stock Picks | Morningstar

Richard Pease's 3 Stock Picks | Morningstar: Emma Wall: Hello, and welcome to Morningstar. I'm Emma Wall and I'm joined today by Richard Pease to give his three stock picks. Richard is the Manager of the CRUX European Special Situations Fund.

Hi, Richard. So, what's the first stock you would like to highlight today?

Richard Pease: Well, I'm going to continue to push Aroundtown (AT1). It did terribly well last year. We made over 50% on our investment. I still think it looks very, very good news. Aroundtown is a general property company run by a guy called Yakir Gabay. And the first point I'd like to make is this guy has got €2.5 billion worth of stock and he hasn't sold a share. The market cap is €6 billion. And the story is simply that he is able to buy commercial property in Germany on about a 7% yield, work it, get to a 9% yield and fund it below 2% and you play the gap.

And the stock is not expensive despite having done very well. We think it's going to yield about 4% in dividend terms and it's growing at about 15% a year because he is still being able to buy things and actually and rental growth is very strong. So, we think we've got 15% of growth a year in both NAV and so this is the asset value and in dividend and that's pretty good news, particularly with the guys committed as that. So, that would be my first push.

Stocks Are Dangerously Melting Up Again - Why Aren't We Talking About It? - TheStreet

Stocks Are Dangerously Melting Up Again - Why Aren't We Talking About It? - TheStreet: At this rate, we will be talking about a stock market correction in early April that could be worse than February's. Stock prices are melting up again, similar to their behavior in late January when the global economy seemed amazing and we firmly believed puppies would fly by year-end. Data suggests investors are up to their old tricks again, eschewing numbers-crunching and blindly trading the momentum. Eighteen sectors of the market are positive year to date, up from just three in early February, noted Yardeni Research.

What Barack Obama Would Mean for Netflix, Inc. (NFLX) Stock | Stock Market News | US News

What Barack Obama Would Mean for Netflix, Inc. (NFLX) Stock | Stock Market News | US News: Netflix Inc. (Nasdaq: NFLX) has taken a lot of heat from critics about its aggressive content spending, but the company certainly seems to be landing some big-name talent. The New York Times reports that Netflix is in negotiations with none other than former President Barack Obama, and GBH Insights says an Obama-Netflix deal would be another “home run” for Netflix investors.

Netflix is reportedly in late-stage negotiations to pay Obama and wife, Michelle, for exclusive content to air on Netflix. Although details about the format and content of the show are scarce, sources familiar with the discussions say the Obamas are potentially interested in highlighting inspirational stories.

Here’s the No. 1 tech stock, according to money flows - MarketWatch

Here’s the No. 1 tech stock, according to money flows - MarketWatch: Tech stocks are on fire. As a result, it’s natural for investors who are underweight in tech to want to add to their tech stock holdings.

Since late January’s convulsion in the stock market, flows to stocks have changed, particularly among tech stocks. Here is an oft-asked question: “Which stock is number one among popular tech stocks?” Let us explore with the help of a chart.

Money Flows Remain Robust into Stocks

Money Flows Remain Robust into Stocks: As the seasonally strong March period is now in full gear for stocks, I cannot help but wonder whether the highly volatile period of February will continue.� That is a big question, and has many on the sidelines wondering if the roller coaster ride may begin again.� As we watch the action day by day, we have seen some very choppy price movement, which is typical after such a volatile run.

The market is trying to discover price, and with such dramatic movements and wide ranges it takes some time.� On the SPX 500 chart we notice a strong 'higher low' has been established and confirmed.� This is important for the bulls, but this recent move up has been on strong turnover. That tells us big institutional players are coming in to support prices. The big money is where the action is at, and this signals this market run may have some staying power.

Volatility has declined sharply over the past couple weeks, save for a few days last week when the news cycle was dominating the action.� The VIX, or the fear gauge has fallen from the highs seen in February and is now as low as it has been since the February slide started.� The index sits around 15% after reaching near 50% just over a month ago.� It's been quite a ride from the teens in January, and a market that showed absolutely no fear whatsoever.

April-Market-Insights - Ticker Tape

April-Market-Insights - Ticker Tape: A calm-but-consistent stock market rally defined most of 2017, but the first three months of 2018 have been anything but quiet. Investors have experienced market volatility, concerns about inflation, and increased tensions over potential trade wars and tariffs. Plus, major tech companies Spotify and Dropbox both filed to go public, two of the larger public offerings since Snap (SNAP) went public last year. All of these events may set the stage for what’s to come in April.

Investors need to understand what they can and can't control | afr.com

Investors need to understand what they can and can't control | afr.com: Our life as investors would be so much easier if sharemarkets were like treadmills.

Imagine if you could dial in the 8 per cent plus incline that the Australian sharemarket has delivered over the 30 years to June 30, 2017. Or the 9.4 per cent that US shares climbed in the same period.

Sure, you need the legs to be up to the challenge of the incline, but it is a predictable, steady state, and if it all gets a little too challenging you can back it off and set your expectations a little lower.

But just as running on a treadmill is not like running on the open road, sadly investing does not happen in a steady, controlled and predictable world.

This is the one class everyone should probably take in college

This is the one class everyone should probably take in college: This class is so money.

Nearly nine in 10 (88%) of male millennials report taking personal finance or business finance courses while in college, compared to only 54% of female millennials, according to a survey of 1000 adults by Laurel Road, a national online lender. And it’s not like they got taught that stuff in high school: Just five states require students to take a stand-alone personal finance course, and only 12 require it to be part of the curriculum in another course.

Blast raises $5 million to turn gamers into savers

Blast raises $5 million to turn gamers into savers | GamesBeat: Every time you hit an achievement in League of Legends, you could trigger “micro-savings.” That’s the big idea that enabled Blast to raise $5 million in funding.

Blast’s micro-savings tools will eventually work with most games, from hardcore hits like League of Legends to casual fare such as Candy Crush Saga. Micro-savings has become popular with credit cards, where your purchases can be rounded up to transfer small amounts of money into savings accounts with every purchase you make.

What is AAA Travel and Can It Save You Money On Travel?

What is AAA Travel and Can It Save You Money On Travel?: Before you could research and book your travel in an instant on the Internet, you needed AAA Travel. The information superhighway has made DIY travel planning extremely easy, but travel agencies�including AAA Travel still exist. If you've grown up in the Internet age, you're probably wondering what is AAA Travel?

The Last Year Before You Retire

The Last Year Before You Retire | Investopedia: The last year before you retire can be a busy time and an emotional one. You might be trying to wrap up projects at work and hand off responsibilities to others. You might be cementing relationships with coworkers that you hope to continue once you leave the workplace. On top of that, you need to take specific financial steps to ensure the comfortable and worry-free retirement you’ve always imagined. Make sure to address each of the tasks below before you savor your retirement cake in the break room and collect your last paycheck.

Eight ways to cut down on your household bills

Eight ways to cut down on your household bills: Once Christmas has passed and the New Year arrives, many of us will be looking for ways to save a few pennies – particularly on our household bills.
Here are eight ideas that might just put a smile on your face when you review your bank account.

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Save Green on St. Patrick’s Day — No Luck Required - NerdWallet

Save Green on St. Patrick’s Day — No Luck Required - NerdWallet: Food, beverages, apparel, decorations and candy are the top items celebrants plan to purchase. And there are plenty of products to choose from.

“Before the advent of e-commerce, St. Patrick’s Day themed purchase options were limited to ‘Kiss me, I’m Irish’ T-shirts at Target,” Ken Cassar, principal analyst and vice president of analytics company Slice Intelligence, said in an email. “Today, consumers can get anything from shamrock socks to an entire Irish pub shipped to their doorsteps.”

20 large-cap U.S. stocks with growth and momentum - MoneySense

20 large-cap U.S. stocks with growth and momentum - MoneySense: U.S. large cap stocks that show growth & momentum characteristics.

Large cap stocks are often associated with slow and steady returns – and rightly so. Oftentimes larger companies with a stable background are better equipped to withstand turbulent market conditions and come back quicker after a market sell-off. With the turbulent markets we’ve been seeing lately and the potential for more volatility to come, seeking stability within your portfolio is an approach worth considering.

IXUS: A Good Building Block For A Globally Diversified Portfolio - iShares Core MSCI Total International Stock ETF (NYSEARCA:IXUS) | Seeking Alpha

IXUS: A Good Building Block For A Globally Diversified Portfolio - iShares Core MSCI Total International Stock ETF (NYSEARCA:IXUS) | Seeking Alpha: In today's globally integrated economy, investors with a long-term time horizon should give serious thought to owning international stocks. With US stock market valuations still at historically elevated levels, investment analysis firms such as Research Affiliates believe that non-US equities within both developed and emerging markets will earn higher returns relative to their US counterparts in the years ahead.

Financial literacy is more than being able to make investment decisions

Financial literacy is more than being able to make investment decisions: Last week one AMC approached me to conduct an Investor awareness session for some corporate employees. I love conducting such sessions so there was no point saying no to them. But before every session, I wanted to make sure the exact number of attendees and their work profile, so I requested the mutual fund house to put me in touch with the HR person who will be arranging the complete show.