Archive for December, 2011

Frugal and Fun Gift Wrapping Ideas

Forget what’s inside the package, it’s often the outside that can cost a bundle! Gift wrapping alone has fast become an art as well as a drain on the budget. The good news is, though, that you don’t have to trade your cash for flashy packaging. You really can keep your budget and get great [...]

Original Post on www.thesunsfinancialdiary.com

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Frugal and Fun Gift Wrapping Ideas

Investment Forecasts for 2012: Financial Predictions for the New Year

The start of a new year is upon us once again and it’s time to take stock of how things have gone in the past year. It’s a time when some financial types are dusting off their investment crystal balls or are checking out oddball indicators to see if trends continue for the next year. [...]

Investment Forecasts for 2012: Financial Predictions for the New Year

Copyright 2011 TheDigeratiLife.com All rights reserved.

Net Worth Update Dec 2011 (+0.97%) – Year End Summary

Welcome to the Million Dollar Journey December 2011 Net Worth Update – The Year End Summary. For those of you new to Million Dollar Journey, a monthly net worth update is typically posted near the end of the month (or beginning of the next) to [...]

You Are What You Tweet: 2011 in Review (Infographic)

If you asked me about the key figures of 2011, Justin Bieber and Charlie Sheen would be the last names to come out of my mouth. And yet, according to the 75% of us who use social media, these two … Continue reading

Brand Names that Kicked the Bucket During the Recession

Over the last few years, people have decreased their spending habits dramatically. The American Consumer went from a Personal Savings Rate of 1.2% in July 2008 to 5.0% in July 2011. Many industries saw their lowest sales figures of all time during the last three years, such as new car purchases, restaurants, and construction. An [...]

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Best Credit Cards to Use During the Holiday Shopping Season

The holiday season is a source of financial stress for many households. As gifts for kids and adults become increasingly tech oriented, the price tags on the season’s hottest and most popular gifts only continue to rise, putting greater strain on already tight budgets. While turning to credit cards to make holiday purchases isn’t the [...]

Smith Manoeuvre Portfolio – December 2011

For those of you just joining us, below is my portfolio that is leveraged with money borrowed from my home equity line of credit (HELOC). As the money borrowed is used to invest, the interest charged is tax deductible. I write an update every so often to show new positions added [...]

Don’t Chase Mutual Fund Winners

When it comes to investing, mutual funds are one the best known tools to help add diversity to a portfolio. Many people use a strategy of chasing after the top performing mutual funds and selling the underperforming ones. On the surface this makes sense. As a culture, we love winners, we don’t want losers. The [...]

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  2. I Bought a Mutual Fund… … for the first time in maybe a decade. You…
  3. Should You Invest in the Top Fund of the Decade? I’m a member of bank that you may or may…
  4. How to Invest in Mutual Funds? (and other questions you asked) Last week, I wrote an article Understanding and Avoiding Mutual…
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restoring America

I have a lot of tools. I have more than a normal person should, I think.  My collection of tools is based on one part frugality (I can save money by (thinking) I can fix it myself), one part wastefulness (I NEED a specialty picture-hanging hook that looks JUST so) and one part optimism (I [...]

Copyright © 2011 brip blap. This Feed is for personal non-commercial use only. If you are not reading this material in your news aggregator, the site you are looking at is guilty of copyright infringement. Please contact us at bripblap.com so we can take legal action immediately.

Wall Street Journal vs Other Financial Newspapers: Our Review

When I used to work on Wall Street some years ago. But before you would-be occupiers get too irate, I’ll assure you that I worked for a non-profit organization that had its headquarters on Wall Street. No, I wasn’t a big banker. But as part of my job, I had to keep an eye on [...]

Wall Street Journal vs Other Financial Newspapers: Our Review

Copyright 2011 TheDigeratiLife.com All rights reserved.

Are Automatic Payments Secretly Costing You Money?

I opened up my credit card statement the other day and was surprised by one of the charges that I saw: $115 from AT&T. We get our high speed internet and cable from AT&T and have been quite happy with the service. The cost normally did not bother me because my husband’s company reimburses us for [...]

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Claiming Investment Losses on Your Taxes

As the end of the year draws near we unfortunately have to start thinking about the taxes we’ll owe, our tax returns will be due before we know it. If you’re not aware of the possible investment tax deductions one that you should think about is investment loss – the losses that result from your [...]

Lifecycle Investing – The Benefits of Diversifying Across Time

“The point is simple: if diversification across asset classes is so good, why not also seek greater diversification across time periods?” – Ian Ayres

Last Decade Risk
There is a big risk in the way most people save for retirement. The big risk is that the vast majority of the investments most people own during their working [...]

Health Insurance Open Enrollment: Tips For Choosing Plans

Once a year, employees get the chance to evaluate and choose their health care options for the following year — a practice referred to as annual open enrollment. If only one spouse is employed outside the home, or if both work for the same employer, the choice can be simple. If multiple employers are involved, [...]

Health Insurance Open Enrollment: Tips For Choosing Plans

Copyright 2011 TheDigeratiLife.com All rights reserved.

Tax Loss Harvesting

Tax loss harvesting can be an effective means of managing your taxes using your investment portfolio. While the practice should be managed with care, when done correctly, it can have a dramatic impact on your tax bill. The timing of tax loss harvesting is a crucial element – there are various rules that must be [...]

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How to Cure a Holiday Spending Hangover?

Did you indulge in a few too many purchases this Christmas? Between sales for pre-Black Friday, Black Friday, early-bird Christmas, and the day after Christmas, it was almost hard not to overspend, unless you possess an iron frugal will. We … Continue reading

MonaVie Scammer Cyber-stalks Me – Says I’m Cheating the Government

I hope everyone has been enjoying the holidays? I’ve been going at a little slower pace here at Lazy Man and Money as I try to live up to my name by spending more time with friends and family. However, it’s time to get back to work and I figured I’d start with this. I [...]

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  3. MonaVie and FTC Guidelines A few times a week, I get an e-mail asking,…
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7 Ways to Reduce Your Holiday Travel Costs

With the holidays upon us, travel is probably on your mind or you may already be in the middle of your holiday travels. You may have family in another state or country or may finally have time off from work to actually take a vacation. No matter what the reason, you’ll want to get to [...]

6 Funds To Hedge Against a Recession

The word recession has investors searching for safe investments until the market rebounds. Just take a look at how the market has reacted recently. Investors want the maximum yield with the least risk involved. Luckily, options are available for investors to weather the storm until the economy improves. Mutual or index funds are a collection [...]

Merry Christmas 2011, and links

Merry Christmas, Happy Hanukkah and fill-in-the-blank greetings.  It’s a nice season, whether you’re celebrating one of the major religious holidays or just enjoying time with family and friends for the sake of, well, spending time with family and friends.   I was not planning on posting a Christmas post, but then I came across a [...]

Copyright © 2011 brip blap. This Feed is for personal non-commercial use only. If you are not reading this material in your news aggregator, the site you are looking at is guilty of copyright infringement. Please contact us at bripblap.com so we can take legal action immediately.

Merry Christmas & Happy Holidays To You! A Christmas Album

If you’ve landed here, then it’s either Christmas or you’re looking for something “cute”. If so, then welcome! While I run a personal finance blog — you can read more about me here — I am also pretty merry most of the time, and keep up to date with the greetings. Allow me to greet [...]

Merry Christmas & Happy Holidays To You! A Christmas Album

Copyright 2011 TheDigeratiLife.com All rights reserved.

How to Invest in Mutual Funds? (and other questions you asked)

Last week, I wrote an article Understanding and Avoiding Mutual Fund Fees and a few commenters had some questions that I’d like to address here. “Can you explain how one goes about investing in mutual funds?” Thanks to Sun for this basic question. As he found out some brokerages charge a significant commission. In his [...]

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Free $10 from FourSquare

Foursquare & American Express are teaming up to offer a really cool Free Money offer similar to the American Express Small Business Saturday offer! The free $10 should come in handy as you finish up your last minute shopping over the next few days! How to Get Your $10 Download the foursquare app to your [...]

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Anniversary Giveaway Winners and Christmas Links

The Successful Investor Investment Newsletter Reminder
Last week, the team at The Successful Investor offered MDJ readers the lowest cost on the web for their award winning investment newsletter for Canadians.  Regular price is $139 annually, the MDJ price is $30.
Heads up that this limited time offer will expire on January 15th, 2012.   [...]

Today’s Deal: Ditch Your Landline for VOIP and Save Big Money

Nearly two years ago I wrote about how you can get free lifetime phone service for $150. The product is called the Ooma Telo and it’s something that I’ve been using the for many months now. It is a great savings over both a standard landline phone and alternative VOIP services such as Vonage (which [...]

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