For us residents in California, we’re used to seeing budget cuts applied to a lot of things. The financial crisis in California is particularly apparent when you see its effects on the public school system. Well, this article from my local paper just made me wince, because as you can see, the story describes just another example of how our government (this time, at the state level) has been handling its finances.

Well, here’s the latest expose and more fodder on the California budget crisis — apparently, government employees have made off with pretty huge paychecks here in California, simply by NOT taking vacation time. Their unused vacation time translates into big six figure payouts, with the top 25 checks reportedly ranging from $203,921 all the way to a dazzling $815,736. Wow. Imagine this — those state government positions can be a gold mine, with overtime paying off for a whole lot of people. Here is an image that portrays this predicament (Click this link or the image below for a larger picture.):

And here’s a breakdown of vacation pay amounts across California agencies:

Small wonder California is broke.

Want to Attend A Suze Orman Event?

On another note, I’d like to inform you about a personal finance event that’s coming to Club Nokia in downtown L.A. this Sunday, March 14. Suze Orman is slated to speak at this club at an event called “Waves of Inspiration: Women and Money”. The seminar will feature Suze and other ladies and personalities who will talk about personal finance, self-growth and empowerment. For the curious, TD Ameritrade is the sponsor for this event. If you end up attending, you’ll also receive a free annual all-access pass to Suze Orman’s “Save Yourself Retirement Program” (reg cost: $40). There’s also a planned Q & A at the end of the seminar.

You can purchase tickets from Ticketmaster.com, or if you’re interested in picking up a complimentary ticket, let me know (contact me here) — I may have a couple to give away (while it lasts). Here are the event details:

WHAT: Waves of Inspiration: Women and Money with Suze Orman
WHEN: March 14th, 2010 at 2PM
WHERE: Club Nokia, 800 West Olympic Blvd., Los Angeles, CA 90015

Have fun!

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Vacation Pay for Unused Vacation Time? Plus A Suze Orman Event

The parallel between habits when it comes to food and money are significant. Many people reach for a cookie when they’re depressed, others for their credit card. Some celebrate with cake and sweets, still others by purchasing themselves tangible treats. If you’re an emotional spender, best for you – and your budget – to fess up now.

In this case, denial can lead you straight to the poorhouse. Owning up to it, however, and taking steps to control these spending tendencies can help you not only regain financial control, but will alleviate substantial stress as well. (No more looking around the house wondering, “What in the world have I done?!) Even if you don’t fall into the category of an emotional spender, everyone can learn from these tips and strategies for when to shop and when not to shop to maximize savings and improve their bottom line.

Down? Don’t go down the aisles. Depression isn’t good for anything, your money included. For many people, money slips more easily from their fingers when they’re not feeling at their best. Whether your defenses are down and you’re more easily swayed to purchase an impulse buy you ordinarily wouldn’t or you just don’t have the energy to adequately comparison shop (even right there at the store), skip spending money entirely. If you have to go out, do yourself and your bank account a favor, leave the cash and credit card at home.

Take a walk down memory lane and revisit the results of emotional spending past. If you have a relic from a past emotional spending spree, keep it. It can be a great reminder to not allow it to happen again. Just as unflattering photographs can spur one to diet, so can visual reminder of shopping mistakes from the past.

Search and replace the habit. Find yourself window shopping – or worse – reaching for your wallet whenever you’re feeling down? Look for activities to specifically substitute for the emotional spending instead. Start journaling to relax. Treat yourself to a bubble bath. Grab the phone and start to gab. Find something else that works for you and keep it at the ready for the next time you feel your financial defenses down.

Ask a friend for company. If you must venture out into the stores, seek strength in the company of a friend. Not only will his or her company likely help you feel better in general, but he or she can also help guard you from making purchases you might later regret both financially and otherwise. If you’re down, purchasing that yummy chocolate cake or super comfy flannel nightgown might seem like a very good idea, but your wallet wingman (or gal) can help you hold fast to your cash and make sure you leave the store unscathed.

Remind yourself that this won’t last forever. When life knocks us down, it’s easy to fall into a pity party. It’s key, however, to minimize the cost of these very pity parties. A strategy for doing this is to simply remind yourself that no matter how bad things or how down you feel now, it won’t last forever. And rebounding, after all, will be much easier if you don’t have financial regrets to deal on the other side.

(To download and print a worksheet of this topic, click here.)

Photo credit: bowbrick

Original Post on The Sun's Financial Diary

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We were eligible to take the home office tax deduction and self employed tax deductions. As the financial guru of our household, I gladly take the reins on taxes. However, all of these tax situations are new to me, and so I was particularly eager to try out the TurboTax 2009 software that touts itself as “GPS for your Taxes”.

Overall I was very impressed with the product and its ability to take a complete novice with some very tricky tax situations and leave me feeling confident enough to submit my own taxes. There were also some frustrations, which you can read about below.

Immediate Tax Feedback

One neat feature of this product is a box at the top of each screen that automatically updates the amount of money you either owe or will receive from the government after each tax form that you input. Of course this was an exciting feature to me because with our tax deductions on purchasing our home and my fiancé’s 401k contributions, he was owed money by the government (think slot machine going up, up, up in green font). Unfortunately I owed money to the government, so for me the number was red.

Access to Actual Forms

There is a button at the top right hand screen that you can use to look at the actual tax forms with all of the information you have inserted. This was particularly helpful to me as I was unsure of a few areas based off of the prompted questions, and so I could clarify this by looking at the forms.

Different Degrees of Help Available

TurboTax gives you the option of guiding you through each of the sections through the button “Guide Me”, or to explore the forms as needed through the button “Explore on my Own”. Of course I used the “Guide Me”, and was thankful for the simple and intuitive yes/no questions it asked.

Import Tax, Asset, and Other Information

Another neat and convenient feature is the number of forms and asset/tax information that can be automatically imported into this program. My W-2 and mutual fund information (from being sold) were both imported.

Also, there is a neat website called “ItsDeductible” which helps you put a dollar figure to any physical donations you have made through the year. You simply search for the item, and then choose the amount that is suitable, based on condition. The value is based upon the value of the same items sold on eBay. You can also visit the ItsDeductible website and keep track of all of your charitable donations throughout the year, and then import this information directly into TurboTax next year.

Frustrations

My experience with this program was not without its frustrations. One of the biggest issues was that my computer failed to allow the text from pop-up explanation windows. The actual window would pop-up, but there would be no text. This gave me headaches, and I had to search on the internet for answers in some areas. I attempted to call the TurboTax people, but was not given a call back in time for the writing of this article. When I did my own tax return on the online version of TurboTax, the pop-ups did come up. Also, my fiancé works in IT, and he could not figure out the software problem.

The second frustration was with the home office tax deduction. I had specific questions that needed to be answered, and the prompted questions from the software were not as helpful as it could have been. Because I was unable to get the software to work so that the pop-ups worked, I could not access immediate help from the program itself and get my questions answered.

As of the writing of this article, I am still waiting on the TurboTax people to respond to me. Hopefully, when it gets closer to the tax deadline, they will respond faster to their users.

Click here to leave a comment on this article.
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This is a guest post by The Financial Blogger: I’m working in the financial industry and I am specialized in personal finance. I’m always trying to find way to make money differently than receiving my pay check every two weeks. I recently hit a 6 figure income at the age of 28 and I am currently building my own online business while working 4 days a week at my day job.

Now that the stock market engine seems to be restarted for good (with a lot of volatility!), speculators are already trying to see which bubble will burst first! I am always surprised to see how quickly financial analysts are to predict that the stock market will crash again… I guess it is easier to predict the end of the world as sooner or later, it will happen and they could all say “I was right!”… only I was 5 years late….

So here are some of the bubbles that could burst at one point or another:

Precious metal, oh my so precious….

It’s been more than a year since we have seen gold push up from one record high to another. As many investors have enjoyed tremendous returns, more and more people are jumping on the bandwagon. I’d say that this is probably the first bubble to burst in the upcoming year. As far as historians remember (because the history of gold is way longer than any economic study), gold has always kept pace with inflation (but with much bigger fluctuations). In fact, an ounce of gold was good enough to buy a nice suit back in 2000 BC… and it is still good enough to buy a Hugo Boss today… after all this, the question remains: Do you really want to buy something that has already reached its peak? This is the case of gold in my opinion.

Canadian housing market to collapse?

As previously mentioned last week, the Canadian Government played with Canadian mortgage rules in order to reduce accessibility to the housing market. With these measures, it hopes to slow down the housing market and avoid a 2^nd American nightmare…

Since the housing bubble didn’t burst in Canada back in 2007 and we are still navigating through a low interest environment for a while, the government felt the urge to modify a few mortgage rules. While they ignore the concept of bubble yet, it is very possible that making a few changes over time will slow down the housing market and calm the flurry of first home buyers. If they could threaten to increase rates significantly, this would definitely put an end to this madness. However, economics is not as simple as raising or dropping an interest rate . This is why they opted for other alternatives.

Emerging markets – can they hold it for long?

Since 2009, emerging markets (more importantly the BRIC) has taken the world on their shoulders and are slowly taking most countries out of the recession with their huge appetite for resources. However, they also have started to run into a few speed bumps such as 8% inflation in China and striking employees looking for better working conditions in India.

These countries could experience their own industrial revolutions as well and god knows what will become of it. There is a lot of hope invested in the BRIC but their stock markets are inefficient and not transparent at all. I guess this is why we have such risk of having the bubble burst from the “truth”.

Among the top 3 bubbles to burst, I’d put my 2 cents on gold… I really don’t like this precious metal. In fact, I don’t even like its color… I prefer silver!

About the Author: Jeremy is a retirement planning specialist and founder of Generation X Finance and the guide to Financial Planning at About.com. To learn more, follow Jeremy on Twitter.

3 Possible Market Bubbles on the Horizon

It’s not one of those “market pros” you read about on CNBC who seemed so sure about this one stock that he called it a no-brainer (you bought the stock and this no-brainer has gone no-where but down).

It’s not the market which always seems to be sizzling until you jump on the bandwagon and then it just crashes (must be some kind of bad luck).

It’s not your parents who tried to teach you to save money; instead, you spent all your money partying in your college days (now, you barely have any money to invest).

Nope, don’t look any further. Your worst enemy when it comes to investing… is the person in the mirror.

If you took a hot stock tip from your neighbor and bought a company you had never heard of and the stock tanked, you’re the only person to blame. The reason you bought the stock based on the tip you accepted was because you were greedy when you heard from the neighbor that the stock he bought went up in price.

If you are a regular visitor on CNBC and buy a stock on a whim because one of those “market pros” recommended the stock, you can only blame yourself. The reason you bought the stock that was recommended was because you wanted a quick gain and you relied on someone’s opinion instead of researching the company yourself.

By the way, you should know that there’s a pretty good chance those market pros already own those stocks they’re recommending and they’re doing some cheerleading. I call it a legal “pump and dump” scheme. It’s similar to those scams where the fraudsters inflate the price of penny stocks artificially through false and misleading information on the internet and sell out at a high price leaving duped investors with penny stocks that plummet in value.

If the market always seems to be crashing after you join the party, don’t blame lady luck. Yep, it’s that person in the mirror again who you need to squarely put the blame on. The reason you jumped on the bandwagon is because you could not stand to see people around you make fast money and you wanted to get your share of the fast cash.

So what’s the point of all this?

The point I’m trying to make is that until you take full responsibility for all, and I mean ALL of your investment decisions, you cannot achieve success in investing.

Successful investors always take responsibility for their actions. They make mistakes but instead of blaming the market or anyone around them, they focus all their energy and efforts on learning from their mistakes so that they can make better investment decisions in the future.

Ultimately, there’s a direct correlation between your investment knowledge and your investment success. You cannot have level 1 investment knowledge and expect level 10 investment results. It would be the same as not being a very handy person but somehow thinking you can completely renovate your kitchen without any help.

Looking back, it’s easy for me to see that when I started investing in my mid-20s, I didn’t know anything about investing. Sure, I had a few killer trades where I pocketed some serious cash in a few days but if I look at my overall returns over the period I traded in and out of stocks, I barely broke even.

I was at level 1, yet somehow I thought I could get level 10 results. Now, I’m at level 8 and getting level 8 results. I keep learning every day; I just can’t wait to get to level 9 and eventually level 10 in the near future.

Becoming a successful investor is not easy, but it is simple. The more you know, the more you grow. The more you learn, the more you earn.

About the Guest Author: Joe’s success in real estate has allowed him to become mortgage-free by the age of 32. Now, his passion for investing is leading him closer than ever to his goal of retiring before 40. Joe firmly believes that life is too short and precious to just “make a living” or have a 9 to 5 job simply to pay the bills. He wants to share with his fellow Canadians everything he has learned in order to help them achieve financial freedom as soon as possible.

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Copyright 2010 MillionDollarJourney – All Rights Reserved

On Monday Jason wrote a great overview about dividend investing . Since you now know what dividends are all about, I figured it would be a good opportunity to do a guest post on the subject. I write about the stock market and personal finance at my blog Stock investing 101.

Photo by gfpeck

Dividend investing is the best way to generate passive income and become wealthy, period. It is the perfect example of making your money work for you.

AT&T pays out a 6.7% dividend yield. This means for every 100 dollars of the stock you own you will be given $6.70 a year from the company as a bonus for just being a shareholder of the company. Compare 6.7% to the interest you could get from a standard checking account or a CD. You are getting at least 3 times the return from owning AT&T versus investing in a CD, and that is not factoring in any potential increase in AT&T’s share price.

Most dividend paying companies also offer a DRIP program, DRIP stands for Dividend reinvestment program. If you opt for the DRIP program the money you receive each quarter from owning stock will be used to buy more of the stock instead of being given to you in cash. This is a great way to take advantage of compound interest.

Jason mentioned he purchased 80 shares of AT&T. If he opted for the dividend reinvestment plan those 80 shares would grow to 85.4 shares after just one year. After 5 years his purchase of 80 shares of the company would now have ballooned to almost 110 shares of the company. After those 5 years, assuming AT&T kept its dividend rate steady [which is very conservative when you consider that AT&T has a long track record of consistently raising its dividend] Jason would then be actually getting a 9.3% yield on his original investment. 110 X 1.68= 184.8/ [25.25[share price]X 80= 2020].

The numbers only get more and more impressive and mind boggling over time. In ten years AT&T could go from paying his Netflix membership to making his car payments, in thirty years AT&T could pay his mortgage.

The best thing about this is that there is almost no work involved. After you make your initial investment everything is on autopilot.

Here is a short overview of 5 different dividend paying companies in 3 different sectors to get you started. Remember that this list is not comprehensive in the least bit and it is far from fool proof:

• AT&T: Jason and I have mentioned this company countless times for a reason. It pays out a whopping 6.7% yield, it is in a stable sector that all of us understand, and I don’t see people getting rid of their cell phones or their Internet connection anytime soon.

• Coke: Coke is another great dividend paying company. Its yield of 3.2% is not as impressive as AT&T’s but it is still a great value. Coke raises its dividend religiously so I expect even more from it in the future.

• Pfizer: Pfizer is a huge health care conglomerate. It pays out a very impressive 4.1% dividend yield at the moment and it is a very solid company. It presents a great value to investors.

You will not get 30% yearly returns from investing in dividend paying companies but you will get the best possible return in the long run along with the most stable investment with the least amount of work involved.

Note from Frugal Dad: After giving it some thought, and investigating the plan with my online brokerage, I have decided to sign up for their dividend reinvestment program. Dividends will be reinvested in eligible securities held in our portfolio, allowing us to build our positions more quickly without an added fee.

Post by Frugal Dad

I'm heavily leaning towards investing two Vanguard Exchange Traded Funds (ETFs)... VTI and VEU. The former tracks many of the stocks in the United States. The later tracks a basket of stocks from numerous places outside the US. Together, it's not a bad stock diversification for the world markets (especially considering it's two trades with very low expenses). I should note that it's worth looking into Fidelity's offerings as well - especially since I'm going to have a Fidelity account. I'll probably skew the percentage of the investment of those two 60-40 style towards the VEU... I'm already heavily invested in the US economy since 99% of my income comes from there.

That sounds all nice and good... but I love to find a bargain. I don't think either of those two represent that. So I'd like to carve out a small percentage of that money for a "speculative" investment. The kind of speculative investment that I'm looking for is not like investing in Palm (a company I love, but the world fails to see how great its products are). I'm looking more for an additional ETF... most likely a sector ETF. For instance, a few years ago, I invested in energy when it was fairly cheap. I think it has been a good investment. In 30 years from now, I still think the sector will be relevant.

So readers, I ask for your help... what sector with long term relevancy is cheap right now? Let me know in the comments.

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Ally Bank now has a new CD product, the second new product in as many month.

The CD product, called 2 Year Raise Your Rate CD, isn’t entirely because it replaces the current 2-year high-yield CD which has a yield of 2.04% APY as of March 9th. What’s new in this product is the promise that if the yield goes up within the term of the CD later, you will have the opportunity to increase the rate of your CD once.

Like its online savings account, Ally Bank’s CDs are quite competitive among banks offer high-yield savings accounts. For example, for the same term CD, we have

• EverBank 2-year CD 2.00% APY
• American Express Bank 2-year CD 2.00% APY
• Capital One Bank 2-year CD 1.25% APY
• Discover Bank 2-year CD 2.05% APY
• FNBO Direct 2-year CD 1.50% APY

While the idea of letting customers opt to a higher rate in the future is interesting, I don’t know how much savers can benefit from it in the current environment. If you also follow Ally Bank, you know Ally is the only bank which adjusts its rates, both savings account rates and CD rates, almost every week. I have complained about this many times in the past, but still couldn’t figure the rationale behind such frequent adjustments.

After the latest policy meeting in February, the Fed said it will maintain the interest rate at near zero for some time. This means that interest rates of bank savings and CD products could still fall in the coming months even when the Fed keeps its benchmark rate steady (the current rate has been in place for more than a year already). Even if the rate starts to go up, I suspect that Ally will use the same tactic as it’s using now when lowering rates: make tiny but frequent adjustments. In that case, you probably won’t get a rate that’s a lot better than what you already have before the term expires if you use your chance too early.

BTW, I have already received the debit card from Ally interest checking account that I opened last week. Now I am just waiting for the PIN before I can use it to withdraw cash from any ATM without a fee.

Original Post on The Sun's Financial Diary

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We’ve covered some of the best high interest savings accounts in the past, and I’d like to add a few more savings products to the list. While I associate American Express with top of the line credit cards, they actually also have a banking arm through which they’ve been offering a couple of high yield savings account options.

So if you’re looking for a place to stash your cash, and would like to work with a familiar name in the financial space, then I’d like to point out the following Savings Accounts from American Express Bank, FSB.

Personal Savings From American Express

American Express Bank has two types of accounts for your savings. Here are some details:

#1 Online Savings Account

The High Yield Savings Account from American Express is an online savings account that currently yields a 1.30% APY, with interest compounded daily. This account does not require a minimum balance and does not incur any fees. You’ll also get 24/7 access to your account via phone or the web. And of course, your accounts are fully FDIC insured. You’ll be able to access your money through the standard methods of electronic transfer and check writing.

#2 Certificates of Deposit

The American Express Bank also offers a variety of certificates of deposit of varying terms. Just like their savings account counterpart, these accounts are FDIC insured, are accessible 24/7 and don’t charge a monthly fee. Their terms range from 3 months to 5 years (60 months); the corresponding interest rate you can earn ranges from 1.00% APY for the 3 month CD to 2.95% APY for the 5 year CD. A one year CD yields 1.50% APY at this time.

These look like great options for your cash funds. For more information on these offerings, you can always check out the official site for Personal Savings from American Express. You can read more about these products through the site’s FAQs, as well as open an account in no time.

Personal Savings from American Express Review

“I want (fill in the blank)!”

If you’re a parent to young children, you’ve undoubtedly heard your little one utter this phrase many times.  Plus, it probably most often occurs at some pretty crowded locales such as the grocery store or Toys ‘R Us where the level of parental shame can be at its highest.  At such a young age, kids really only have a comprehension of what they want and not what it takes to earn what they want.

But that doesn’t have to be the case.  Studies have shown that our schools are doing a woefully inadequate job of preparing our young people to be financially wise in their later lives so it’s increasingly on the shoulders of parents to teach their kids fiscal responsibility.

With a few simple tools and a little preparation, you too can turn your avid spenders into eager savers.  Here are a few ideas that will get you headed down the right track.

Start with an Allowance

Kids won’t have a good idea of what to do with money unless they have some so start them with a small weekly or monthly allowance.  Birthdays and holidays provide chances for a quick windfall but an allowance will help them understand how to manage a regular “income”.

Show Your Kids How You Do It

Now that your child has an income stream of their own, don’t hesitate to show them what you do with yours.  Explain to them that while you get paid a lot of money (in their eyes, at least), you have to use some of that money to pay for the house, food, clothes, etc.  You can use the concept on them in that if they want something like a toy or a shirt they need to use some of their money to pay for it.

Give Spending Money ahead of Time

How many times have you walked into a grocery store to find your little one eying up a candy bar at the checkout aisle and want it?  Kids don’t understand the value of something if they’re simply able to get it when they ask for it.  Instead, give them a dollar or two at the beginning of the shopping trip and tell them they can spend it on whatever they want but that will be the only money they get.  You’ll be surprised at how carefully they evaluate if that candy bar is really worth it.  (And, yes, let them choose whatever they want to buy.  Put your child in charge of the transaction and see how they react.)

Reward Their Savings

You have a 401(k) that rewards you (hopefully) with a matching contribution for the amount you save.  Why not use the same idea for your kid?  For every dollar of their allowance they choose to save, match it with an additional dollar.  As your child gets older, you can pare back on the matching contribution you give them as they begin earning their own money and become more independent.  Which brings us to….

Encourage Them to Get a Part Time Job

Your child will soon reach an age where they need to begin to help providing for themselves.  If they want a car or an Xbox or anything else, have them save for it so they can at least pay for a good chunk of it themselves.  Anything that they pay for with their own money you’ll find them taking a little better care of.  Plus, it teaches them the value of working hard to achieve a goal.

Teaching your child the value of saving versus spending can actually become a fun process.  Instead of worrying about trying to head off an argument in the checkout aisle, you can give your child the tools to help them determine for themselves how valuable something is.  By encouraging certain behaviors, you can help them learn to separate what they want from what they REALLY want.

And those lessons can last years and years.

Photo credit: arecknor

Original Post on The Sun's Financial Diary

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