Free $10 Amazon Gift Card from Personal Capital

The sign up bonus from Personal Capital is back! Their new sign up bonus is for a $10 Amazon gift card. This is a very easy bonus, the sign up took less than five minutes from start to finish. It’s our quick and easy Free Money Friday offer. How to Get Your Sign Up Bonus […]

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Aeroplan Bonus, Death and Taxes, Comparing Net Worth, Caring for Others and more!

For Aeroplan fans, TD has brought back their 25,000 Aeroplan points bonus (and no annual fee for first year) when you sign up for their Aeroplan credit card. More details here. The Retire Happy blog discussed about Four Financial Numbers You Really Need To Know. The Blunt Bean Counter had a post about The Two […]

Setting Goals for 2015

There’s some irony in sitting down to write this article on the morning of January 29th. I had hoped to have it done a couple of weeks ago. Hopefully that’s not an indication on how my goals are going to go this year. I’ve thought long about how I set goals every year just to […]

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This Month’s Most Popular Finance Tips: January

This month our favorite finance discussion topics were how to save money on food, have a life on a budget, improve your finances, questions to ask yourself, when to file taxes, a DirecTV deal, and how to get a free membership to Jet. If you missed the most popular finance tips this month, here’s a […]

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So You Have a Huge Student Loan (Like Me), Here Are Your Options

[Editor’s Note: I’m still shoveling out of two feet of snow, so today we have a guest post from Grant Biles, the co-founder of Gradible. The company helps people on how to eliminate student loan debt. The following is his guide on what students can do to pay off their loans. I’m often offered guest […]

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2015 Chase Freedom Rewards Calendar

Each quarter I put together a list of the 5% cash back on rotating categories. If you have flexibility with the timing of your purchase and you know the purchase category will be on the list for a future quarter, you might want to hold off on your purchase until you can get 5% cash […]

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Do Your Kids Need to File Taxes?

Usually filing taxes for the kids is an afterthought. Only after people scramble to finish filing in time for the tax deadline do they realize they didn’t even think about the kids. Let’s put in on the radar earlier this year. Will you remember to file taxes for your kids? If your kids earn interest […]

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Five Alternatives to Raiding Your Retirement Savings Early

Every year thousands of people raid their retirement savings early. It could be to get out of debt, to cover living expenses during a time of unemployment, to deal with a medical crisis, or even help a family member in trouble. While the reasons for doing so may be perfectly noble, it’s best to consider […]

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How and Where to Find Free Things to Do

When you’re trying to save money and not spend so much, it can feel like you are doomed to days sitting on your couch. While dinner and drinks out and other types of entertainment can add up quickly, there are actually a lot of completely free things to do right under your nose. You may […]

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Construction Loans: The Fastest Way Home

If you’re planning on building a new dwelling as your first home and financing the move through the bank, a standard mortgage just won’t cut it. Mortgages are designed to provide resources to a homeowner in exchange for collateral—the property—but with a home yet to be constructed, the risk to the bank is much higher. […]

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Net Worth Update January 2015 – Smiling Saver (Digging out of Debt)

Here is another Team MDJ Net Worth update. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. SmilingSaver was selected as a team member and will post net worth updates on a regular basis. Here is […]

Did Patriots Scam the NFL with DeflateGate? (And what we can learn from this)

Yes that title was specifically constructed with my recent Friday scam-investigating articles in mind. Sorry, but I hope you’ll forgive me when we get to the learning section. When I started this website in May of 2006, I wrote: “You can expect Lazy Man and Money to be about 85% money, 5% technology (hey, I’m […]

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DirecTV $100 Statement Credit

DirecTV is offering a free $100 statement credit. The offer states it is for the business account, but my credit just came through today with a personal account! If you are a satellite subscriber, it’s a quick deal to try out for Free Money Friday! How to Get Your $100 Statement Credit Register a business […]

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How Much Money Do You Have to Make to File Taxes?

How much money do you have to make to file taxes? What is the minimum income to file taxes? Let’s take a look at the requirements for the minimum income to file taxes in 2014 (and due in 2015). 2014 Minimum Income Requirements The IRS recently released the minimum income to file taxes in 2014. […]

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Let’s Discuss Obama’s 529 Taxation Plan

I’ve been reading a number of articles on President Barack Obama’s proposal for 529 plans. Some of the articles I’ve read include: The Slate, Vox, and Market Watch. I watched the State of Union in part to hear from the horse’s mouth what this was all about. Unfortunately, the address was so general covering so […]

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2015 Discover It Rewards Calendar

Next up in our series of cash back calendars for planning your 5% cash back is Discover It, previously called the Discover More card. To help you accomplish your purchase planning this year, here is the Discover it cash back calendar for 2015. 2015 Discover It Rewards Calendar   1st Quarter 2nd Quarter 3rd Quarter […]

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Four Ways to Lower Portfolio Risk in a Record Stock Market

Want a hot tip on the stock market? It’s more profitable to reduce risk at the top of the stock market than once a full-blown bear market develops. Is now the top of the stock market? We can’t know for sure, but what we do know is that the market remains in record territory, and […]

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6 Questions to Ask Yourself Before You Make a Purchase

We often don’t go a week or even a day without making some type of purchase. But for all of those times we make a purchase, how often do you think about it before you make it? Whether it’s a pack of gum or a new car, there are some questions you should ask yourself […]

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Save Money on Your Next Premium Windows Laptop

Nearly two years ago, I made a crazy computer purchase buying my first Ultrabook an Asus Zenbook UX31A. At around $1000, it wasn’t cheap, but it was a bargain compared to the prices for a 13″ MacBook Air. I’ve waited for the prices to come down, but an interesting thing has happened. They haven’t. That’s […]

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The Largest Oil and Gas Dividend Stocks

Back in October 2014, oil’s decline was well underway, and I wrote about how investors can get exposure to Canada’s energy industry.  The article included strategies such as buying energy mutual funds, ETFs that index energy markets, and buying individual companies (stocks). Some readers have emailed me to elaborate on individual oil and gas dividend […]

TurboTax Free Federal and State Tax Filing

TurboTax is rolling out a new program this year called Absolute Zero. For a limited time only TurboTax will offer free federal and state tax filing. This is the first time that TurboTax has offered completely free filing (with no extra fees for filing your state return). The free returns apply to simple returns using […]

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Is FG Xpress a Scam?

In November of 2013, I got an email from Kris Spears who identified herself as a ND and ACN about a company called FG Express. She was promoting a product called Xpress Strips. Her LinkedIn page is here. I’m not sure what the ACN abbreviation means (I’ve been looking), but ND seems to be short […]

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Growing Herbs Indoor, Clearing Christmas Clutter, Stretching to Buy a Home, Investment Options for Passive Investors and more!

If you are lacking the space for a garden or like to grow an indoor one, then Sustainable Personal Finance‘s How to grow herbs inside your home article will be beneficial to you. If you cannot distinguish between marginal and average tax rates, then Canadian Finance Blog has the right post for you: Average Tax […]

When is the Earliest You Can File Taxes?

We’re pretty familiar with the tax deadline on April 15. However, the first day to file taxes each year often depends on what Congress has done recently with any new laws that were implemented. This year is no different as congress signed new legislation at the end of December to extend various tax laws another […]

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This Man has a $100,000,000 IRA – Here is the Secret to his Success

[Editor’s Note: The following is a guest post from Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group. I met him at this year’s FINCON personal finance blogger convention. He has unique expertise in an very rarely covered area of investing… the self-directed IRA. Fortunately, he agreed to share some this expertise […]

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