Category Archives for "Spend"

Kids and Money – April 22, 2009

Kids & Money

Kids & Money

Welcome to the April 22, 2009 edition of Kids and Money.

mortgager presents Second Hand Endowment Policies posted at Endowment Policy, saying, “Read on how to act with second hand endowments easily during crisis.”

Talia presents Bitty Budget | backtobasics-talia.com posted at backtobasics-talia.com.

David presents Checking Accounts posted at Personal Finance Ology, saying, “Learn about the different types of checking accounts and how to keep more of your money!”

 

Nate Desmond presents Giveaway: Free TurboTax Online Premier Tax E-Filing posted at Debt-free Scholar.

Bank Champ presents Bank Promotions Are Taxed posted at Bank Champ.

John Russell presents 14 Auto Insurance Secrets posted at The Low Cost Auto Insurance Guru.

KCLau presents 5 Ways To Take Charge Of Our Finances posted at KCLau’s Money Tips, saying, “Are we doing the right things when it comes to managing our finances? Ask yourself five questions to know if you’re on the right track.”

Frank Vertin presents Just Buy Index Funds Directly posted at NO LOAD INDEX FUND, saying, “Buying an S&P 500 index fund through an investment counselor can substantially increase your initial purchasing costs and and drive up your annual management expense fees. Unfortunately, the vast majority of individual investors buy mutual funds and ETFs through brokers and investment advisers. Rarely do financial advisors recommend that you buy index funds with low fees. This is because low cost, no load mutual funds do not pay them as well as loaded, high fee mutual funds.”

Larry Russell presents Most Individual Investors Are Poor Personal Portfolio Managers | Personal Investment Management posted at THE SKILLED INVESTOR Blog, saying, “Young investors should learn early about investment efficiency, and they will then know more than most of their parents do about wise investing. Investors more easily understand investment costs that are directly measurable, such as fees deducted on investment statements. However, many investors ignore or are unaware of the opportunity costs of their sub-optimal investment behaviors. Opportunity costs are usually much more difficult to measure directly, but these investment costs can be even higher than more visible investment fees.”

Walter W. Fouse presents 7 Ways to Pick the Best Noload Mutual Funds and ETFs posted at Best No Load Funds, saying, “The vast body of investment research studies show that there really are better approaches to buying and owning mutual funds and ETFs. You do not need to frantically chase fund performance. Performance chasing simply does not work.”

Ben Jenkins presents Graduating From College posted at Self-Destruction in NYC.

Richard M. Rothschild presents The Top 14 Low Cost Taxable United States Bond Mutual Funds (Low Minimum Deposit) posted at Bond Market Index Funds, saying, “The top 14 low cost taxable US fixed income funds with a $10,000 or lower initial deposit. Low investment management fees are very important with fixed income funds. Simply put, if you pay higher bond mutual fund fees, then these bond management expenses tend just to be a deadweight loss to you. When you pay more in bond mutual fund fees, you are just wasting your money.”

Ralph Jean-Paul presents Building Self-Discipline posted at Potential 2 Success, saying, “The most disciplined business people are usually the most organized, efficient and successful. They are also the people that make the most money. Learn to build self-discipline in your personal and professional life and see the difference it will make.”

Big Cajun Man presents Canadian Personal Finance Blog » Blog Archive » Advice for New Grads? posted at Canadian Personal Finance Blog, saying, “When your kids do finally graduate from college, make sure they keep this in mind.”

Mike Pastore presents Thinking of saving money for your childs college education? IRA or 529a plan? | Mikes Millions.com posted at Mikes Millions.com.

Jeff Rose presents 10 Questions About College Savings Plans posted at Jeff Rose.

jim presents Best Student Credit Cards posted at Blueprint for Financial Prosperity.

Buck Weber presents Search for Scholarships posted at THE BUCK LIST, saying, “It’s that time of the year again for high school seniors. Testing for the ACT & SAT, filling out the FAFSA, gathering and sending transcripts, college applications and letters of recommendation are all part of the annual hectic last few months of the high school experience.”

Barry presents Buying Groceries From Auctions posted at Associate Money.

Madison presents Summer Jobs for Kids – Ideas for Summer Jobs for Kids posted at Kids and Money.

Verna Morris presents Five Experts Agree: You Need a TIPS ETF In Your Retirement Portfolio posted at ETFdb.

One Family presents Swagbucks – A Frugal Take posted at One Family’s Blog, saying, “A review of SwagBucks, a search engine that promises rewards for doing searches.”

KCLau presents Learning to be Happy with Less posted at KCLau’s Money Tips, saying, “How u can be happy with less material things”

Jim DeSantis presents 3 Reasons That Can Cause Your Family Budget To Fail posted at Free Family Budgeting eBook from On Line Tribune, saying, “Money is the only tool you have to secure your future and the future of your family and to live a good life today. Unless you get spending under control and start treating your household like the goldmine it really is, you are destined to struggle financially for the rest of your life.”

Jeremy Ulmer presents How To Cold Call Effectively: What To Say First posted at Sales Coaching | Business Coaching | Life Coaching, saying, “never too early for kids to start learning some of these skills…to make money…”

Clair Schwan presents Money Management – Making and Retaining Wealth posted at Frugal Living Freedom, saying, “This article provides an overview of basic money management concepts with an eye toward accumulating wealth by being more responsible with it.”

FIRE Getters presents What is the Rule of 72? posted at FIRE Finance.

Patrick @ Cash Money Life presents How Much Life Insurance Do You Need? posted at Cash Money Life, saying, “This is a question everyone should ask themselves – particularly if they have a family that relies upon their income.”

Silicon Valley Blogger presents Zecco vs TradeKing: Which Online Stock Brokerage Account To Choose? posted at The Digerati Life, saying, “Help your kids invest early by opening their first account with a solid online broker.”

Finance Tips 101 presents Scholarships Come In All Shapes And Sizes posted at Finance Tips 101.

The Smarter Wallet presents Can Your Kid Develop A Gambling Problem? posted at The Smarter Wallet, saying, “Thanks!”

Summer Munyon presents How To Find The Bottom Of The Real Estate Market posted at Tallahassee Real Estate Blog, saying, “If you want to know the beginning of the next phase of the market turn, just keep an eye on the green line in the graph below. You can visit this graph (updated twice per week) at The Market Bulletin.”

hall monitor presents Two Colts Neck High School students accused of counterfeiting money posted at DetentionSlip.org, saying, “To be filed in the “What NOT to do” column.”

Deposit Accounts presents Keep More of Your Money: Tips for Better Banking posted at Deposit Accounts.

MatthewPaulson presents Money Management Principles for Children posted at Fine-Tuned Finances.

Madison presents Frugal Ideas for Prom Season posted at Kids and Money.

That concludes this edition. Submit your blog article to the next edition of Kids and Money using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

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The Marvel of New Technology – iPod As An Example

ipod5 years ago, in 2004, I bought my first iPod (I’m a big spender – I’ve bought two over the years – one for me and one for my wife). I got a really great deal – the photo/video iPod I bought was the newest model with 60GB of storage, and regularly retailed for $499 (or was it $449?).

I got mine for $349 with a one-year subscription to Audible.com ($14.95 a month, but I was going to spend that anyway)…

The family and I were out at Costco a week or so ago and I sauntered past their mountain of iPods. The newest model has a 120GB hard drive and costs…

$212 and change.

With a battery that lasts up to 36 hours on a charge (mine was good for 15 hours, but now it’s down to about an hour, so it’s time – Honey, can you read me?)

Double the capacity for half the price.

Gotta love tech. Better, cheaper, faster.

If I wait forever, everything will be free.

Bull Market or Dead Cat Bounce?

The stock market has rebounded quite well since it hit the 6,000 range (Dow). The question is, will the rise continue, or will it stall. OR worse yet, is this the classic “dead cat bounce?”

It all remains to be seen, of course. Too soon to tell. But I’m going on record to say that this, even with today’s announcement by the Fed that it’s officially fueling inflation by printing money, is not a dead cat bounce.
Dead Cat Bounce
Oh, the market may tumble for a few days. But I think we’ve bottom. Just note that the bottom of the ocean has peaks and valleys, too, and that we might see 6,000 again. We may be here a while. But we’re not gonna go any lower than 6k.

In fact, it is my gut feeling that we’re on the upswing. I believe the end of this decade and the first few years of the next decade will be banner years for stock markets all across the land.

After all, we’re at levels here in the US that we haven’t seen since the mid-90s. The housing, credit, and mortgage messes weren’t even in place then.

So we’ve fallen further than logic would dictate. John Hussman, in his newsletter, says,

As for the stock market as a whole, I continue to view the market as undervalued, but not deeply undervalued. So over the course of a 7-10 year holding period, I do expect passive buy-and-hold investors in the S&P 500 to achieve total returns somewhat above 10% annually.

But he also says,

Shorter-term, however, investors may demand much higher prospective long-term returns in order to accept risk, and that’s a problem, because the only way to price stocks to deliver higher long-term returns is to drive prices lower.

After all, even a dead cat will bounce.

Money isn’t everything. It’s the only thing. Wait. That’s only for football.
Enjoy life. Spend time with your family.






Kids and Money – March 18, 2009

 

 

Welcome to the March 18, 2009 edition of Kids and Money. There were a lot of good posts. There were a lot of “spammy” posts, too, which I deleted. Remember, folks, I approve 99% of the posts here, but this week I probably weeded out 30-40 percent. That’s way too much.


So, please, let’s keep this focused on Kids and Money. Not Kids OR Money. But Kids AND Money and how the two are inter-related. Okay?

KCLau presents Learn Money Tips playing iMafia posted at KCLau’s Money Tips, saying, “About iMafia, an application for iPhone. How it is connected to real life in terms of personal finance and how to play the game.”

jim presents Teaching Kids About Money: Tessy and Tab Money Manager Kit posted at Blueprint for Financial Prosperity.

nickel presents Visualize Your Savings Goals posted at fivecentnickel.com.

The Smarter Wallet presents Blu-Ray DVD Player Review: Pros and Cons posted at The Smarter Wallet, saying, “Are blu-ray players worth the money? Should you get one for your family?”

Concerning Kids presents Raising A Street Smart Kid posted at Concerning Kids.

Save Money presents Frugal Frauds Revealed posted at How I Save Money.net.

Julie Guarnizo presents Teaching Money Management Habits to Children posted at Beef Up Your Piggy, saying, “As a mother of two small children, teaching life lessons about money and personal finance is crucial is raising children.”

David presents The Safety of Your Accounts posted at Personal Finance Ology, saying, “With the uncertainty in the banking industry, learn where the safest places for your money are!”

Nate Desmond presents 12 Ways to Waste Money in College posted at Debt-free Scholar.

Steve Patterson presents ISMagazine.com – Blog – ATM Skimming Leads to 1 Billion in Losses for Consumers posted at ISMagazine.com, saying, “Great story about ATM safety and something to present to your bank to make sure their ATMs are safe.”

Debbie Ducker presents Your Children and Grandchildren Must Learn to Save Money posted at Ducker Promotion Ezine, saying, “Teach your children how to save money at an early age and you will save them a lifetime of heartache.”

Justin Hall presents How to Find a Job posted at Justin Hall.

Stephanie presents The Wii Fund posted at Stop the Ride!, saying, “Teaching the kids to save.”

jim presents Deducting Miles for Charitable Volunteering posted at Blueprint for Financial Prosperity.

Matt Sherberg presents Choosing the Best Debt Solution posted at Debt, saying, “When you have mountains of debt piling up and you have debt collectors waiting at your doorstep, it is time to get off the couch and find a debt solution that will work for you. The right debt solution can help you reduce your debt.”

Jeff Rose presents 29 Good Reads About Kids And Money posted at Jeff Rose.

Savings Toolbox presents The UnTruths About Saving For College posted at Savings Toolbox.

Silicon Valley Blogger presents College Advantage: Ohio 529 Savings Plan Offers $25 Cash Bonus posted at The Digerati Life, saying, “529 plan for your kids!”

The Smarter Wallet presents Budget Your Money and Control Your Spending Using This Simple System posted at The Smarter Wallet, saying, “Thanks!”

Sam presents NEW !! Job Interview Tips and Questions. Get the Job You Want. Job Interview Tips and Skills. ! Surfer Sam posted at Surfer Sam and Friends.

Concerning Kids presents How To Handle A School Yard Bully posted at Concerning Kids.

Dating321 presents Breaking Up Tips posted at Free Dating Advice, saying, “Breaking up is difficult to do, but it is important you go about in a mature and respectful way.”

That concludes this edition. Submit your blog article to the next edition of Kids and Money using our carnival submission form.

Past posts and future hosts can be found on our blog carnival index page.

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Money isn’t everything. It’s the only thing. Wait. That’s only for football.

 

Enjoy life. Spend time with your family.

Kids and Money – March 2, 2009

Welcome to the March 2, 2009 edition of Kids and Money. It’s been a while since our last carnival, so this is a BIG ONE. I’ve tried to put the submissions into logical blocks for easier reading.

Earning

Tisha Tolar presents Work at Home Discipline: Find Some posted at Empowering Mom.

jim presents Ten Recession-Busting Money Tips for Young Professionals posted at Blueprint for Financial Prosperity.

Pinyo presents Where To Sell Used Books And Textbooks posted at Moolanomy.

Spending

Matthew Paulson presents 8 Money Saving Ideas for Family Fun Night posted at American Consumer News.

Gary R. presents Traditional vs. Rustic Camp Sites posted at Camping Tips, saying, “An increasing number of campgrounds are offering visitors the choice of both traditional and rustic campsites.”

Madison presents Money Saving Tips for Kids on Valentine’s Day posted at Kids and Money.

Silicon Valley Blogger presents Lower Your Car Insurance Rates! How To Cut Insurance Premiums In Half posted at The Digerati Life, saying, “If you’ve got kids, driving safely and carefully is a must. And doing so will most likely lower your car insurance rates as well.” 

Barry presents Tug Of War Between Retailers And Frugal Consumers posted at Associate Money. 

Annette Berlin presents Printable Toys For Pre-Teens posted at Craft Stew, saying, “Older children get tired of toys fast. Rather than spending a small fortune to keep them constantly satisfied, let them create their own playthings from cardstock and a printer.” 

jim presents How to Strong Arm Your Way to a Better Deal posted at Blueprint for Financial Prosperity. 

Savings Toolbox presents Tips to Save On your Summer Getaway posted at Savings Toolbox.

Saving

Deposit Accounts presents Savings Accounts for Children posted at Deposit Accounts. 

Mr. Banker presents High Interest Money Market Accounts (MMA) posted at Best Interest Rate Banks. 

Brian McKay presents CD Rates posted at MonitorBankRates.com, saying, “Finding a decent rate on a certificate of deposit account these days isn’t an easy thing to do. CD rates have been coming down so fast recently the average 12 month CD rate is nearing just 2.00%.” 

Investing 

retirehappy presents Warren Buffett’s Metric Says BUY! posted at My Retirement Blog. 

The Shark Investor presents Strategies For Raising Funds: Borrow Your Way To Wealth posted at The Shark Investor, saying, “How and when to use loans for investing” 

Carrie presents Learning About Investing as a Child posted at Less is More. 

RJ presents The Case for Investing in Index Funds posted at Our Financial Planner, saying, “No matter the age and experience, index funds can be your greatest friend. Thank you for hosting.” 

Kelly Sonora presents 25 Forex-Related Twitter Accounts Worth Following posted at Best Forex Brokers. 

PicktheBrain presents The First Investment a Beginner Should Make posted at Beginner Investing. 

Money Management 

Len Penzo presents Using a Ledger to Teach Kids Money Management posted at Len Penzo . Com, saying, “Even kids as young as 6-years old can learn personal finance management skills via this simple bookkeeping plan.” 

Lisa Mitchell presents Teaching Your Children About Money posted at Let’s Talk Babies. 

Jacquelyn presents The Wise Parent & Child Money Guide posted at WParent.com – Wise Parenting Guide, saying, “Give your child an introduction to the subject of money by reading this article together. This will give your child a general idea about money.” 

Credit

Silicon Valley Blogger presents Best Cash Back Credit Cards: Your Rewards For Spending posted at The Digerati Life, saying, “Thank you!” 

jim presents Best Student Credit Cards posted at Blueprint for Financial Prosperity. 

Finance Tips 101 presents Drowning In Debt? Bad Credit Loans May Need To Be Considered! posted at Finance Tips 101. 

Finance Tips 101 presents The Pros And Cons Of Personal Loans posted at Finance Tips 101. 

Finance Tips 101 presents Answers About Home Equity Loans posted at Finance Tips 101.

DebtLite presents What Are the Root Causes of Debt? posted at Debt Advice. 

Astrid Lee presents Suze Orman posted at World Healing, saying, “Article on advice by Suze Orman, the popular TV adviser on personal finance and about how get out of debt. Article also contains video show where she talks about how to determine how much to give to charities…” 

Finance Tips 101 presents Cash Back, Award Points, and Gas Cards posted at Finance Tips 101. 

College

Madison presents Midwestern Disaster Area Tax Impacts posted at Tax Gab, saying, “Expanded college tax credits for those affected by the storms last year.” 

Finance Tips 101 presents Scholarship And Grant Information For Interested High School Graduates posted at Finance Tips 101. 

The Smarter Wallet presents Student Loan Programs To Pay For My College Tuition Costs posted at The Smarter Wallet, saying, “Thanks!” 

Madison presents Ohio 529 College Advantage $25 Sign Up Bonus posted at My Dollar Plan. 

OnlineCollege presents Choosing a College: A Simple Guide for Undergraduates posted at Universities and Colleges. 

Preparing for Baby

jim presents Preparing Financially for a Baby posted at Blueprint for Financial Prosperity. 

Concerning Kids presents Choosing The Right Pediatrician For Your Baby posted at Concerning Kids. 

Madison presents Our Family is Expanding… Financial Resources for Babies posted at My Dollar Plan. 

Pregnant Woman presents Identical Triplets – Three Bundles Of Joy posted at Pregnancy, saying, “Triplets occur in one of every eight thousand live births” 

The Stimulus 

The Smarter Wallet presents Will The Obama Economic Stimulus Check and 2009 Stimulus Plan Save The Economy? posted at The Smarter Wallet, saying, “How will your family be affected by the stimulus bill?” 

Brian McKay presents What’s in the Stimulus Bill for You? posted at MonitorBankRates.com, saying, “We have listed all the benefits for individuals in President Obama’s stimulus bill that was just passed.” 

Ella Moss presents New Economy, or Buy American, Stupid! « Zodiac Times posted at Zodiac Times, saying, “So, the new stimulus package is passed, hopes are up, markets are down, and recession deepens. Everyone is blaming the housing market, unscrupulous bankers and inept previous administration. But very few seem to understand the true roots of our woes, and how deep our economic problems go.” 

Miscellaneous 

KCLau presents Money Tips Group Writing Project posted at KCLau’s Money Tips, saying, “Calling out for contributors to an e-book about personal finance.” 

nickel presents Should You Pay Your Kids for Good Grades? posted at fivecentnickel.com. 

Money Tipper presents Bring Proof of Age When Flying With Young Children posted at Money Tipper. 

Concerning Kids presents Tips And Idea To Help Child Proof Your Home posted at Concerning Kids. 

Finance Tips 101 presents Alarming Identity Theft Statistics Are Cause For Concern posted at Finance Tips 101. 

Relax presents The happy way to spend money posted at The Wise Curve, saying, “we are happier when we spend money to gain experience than buying material goods” 

jim presents Total Cost of Owning A Dog posted at Blueprint for Financial Prosperity. 

Concerning Kids presents Helping Your Healthy Child Stay Fit For Life posted at Concerning Kids.

That concludes this edition. Submit your blog article to the next edition of Kids and Money using our carnival submission form.

Past posts and future hosts can be found on our blog carnival index page.

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