Solving a Huge Problem with the Financial Planning Industry

A couple of weeks ago, Evan from My Journey to Millions wrote about a huge problem with the financial planning industry, which was itself inspired by a post on Sweating the Big Stuff (StBS). Yes, the Inception runs deep with three layers of articles commenting on articles. Here’s a brief explanation for those who want […]

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Should We Boycott Burger King for Avoiding Taxes?

The other day, I got some coupons from Burger King in the mail. Typically, I give them one look and discard them. Why? Most of the time they require the purchase of fries and a drink. I have trouble looking at that without thinking, “Hmmm, fried starchy carbs and sugary or chemically drinks at extremely […]

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$2,075+ Application Spree to Stockpile 0% Credit Cards

The kids just went back to school, so it’s time for an application spree! Long time readers are familiar with many of my previous application sprees to sign up for a about a dozen of my favorite credit card sign up bonuses at the same time. It’s not for everyone, and it has to be [...]

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How We Got Through 5 Months of Unemployment

Last fall I received a text from my husband telling me that he was being let go and would be home soon. To be quite honest, he went through a lot of turmoil in the five years he was with his previous company, surviving a buyout by a larger corporation, several bosses, and less-than-ideal working [...]

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Should You Invest in Frontier Markets?

Regular readers know I’m a big fan of diversification. It’s been a long time since I’ve waved my flag as strongly as I have over the past few months. I’m not optimistic about where the US stock market is headed over the next year or two. The Shiller PE is very, very high, which means […]

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Reader Mail: Should I Sell or Hold during Stock Mergers/Acquistions?

The big financial news in Canada these days is that Burger King is acquiring Tim Hortons in a cash and stock deal worth $12 billion.  When big events like this happens, I typically get a number of emails on the topic, this time around, readers are wondering what to do with their shares of Tim […]

How Income Diversity Can Help During a Job Loss

The loss of a job can be one of the most challenging events you will face. A job loss affects your finances on every level. And, due to the fact that the economy is making a significant shift, it’s important to realize that a job loss is an increasing possibility. Gone are the days when […]

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TD Easy Rewards $200 Sign Up Bonus

It’s Free Money Friday! TD Bank is offering you a bonus of $200 for their TD Easy Rewards credit card. However, as you’ll see below, it looks like it may only work for our East Coast readers. If you do qualify, it could be a good replacement for the Wells Fargo 5% Cash Back Credit [...]

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What If We Were Too Transparent?

It is very rare that I see a commercial that makes me laugh out loud, but this one did: I could watch it a hundred times. In fact, I probably have. If you haven’t watched the commercial (come on, it’s only 30 seconds), the grandfather is too transparent about his answers to some questions and […]

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This Month’s Most Popular Finance Tips: August

This month our favorite finance discussion topics were budget friendly cooking, purchases that keep costing your money, the Santander repeating bonus, becoming a billionaire, cutting your losses on Amazon, and things your homeowner’s insurance won’t cover. If you missed the most popular finance tips this month, here’s a quick overview: This Month’s Most Popular Tips: [...]

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The Lazy Guide to Budgeting – 7 Ways to Make It Easier to Stick With

The following is a guest post by Fanny Seto. She is the creator of Living Richly Budget Printables, a 20-page printable bundle and budgeting system that makes it 20-seconds easier to stick to a budget. She is also the Editor-in-Chief of Living Richly on a Budget, a personal finance blog. I met Fanny when I […]

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Working after Retirement, Minimalist Principles, Amazon Student Prime, and more!

In his ‘best of’ series for the summer, The Blunt Bean Counter discusses about the One Big Happy Family – Until We Discuss the Will. It is likely that at least a few retired people will want or need to return to the workforce at some point; Canadian Finance Blog writes about How to Go […]

What is a Stock Buyback?

If you pay any attention to business news, you will no doubt hear stories on how so-and-so company is implementing a stock buyback program or how they are increasing the amount of their current stock buyback program. The question is, what the heck is a stock buyback program and as an investor, should you care? [...]

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Are Roth 401(k)s and Roth TSPs Better? (Part 2)

[Editor's Note: I'll do my best to catch you up, but today's article depends on the foundation I laid in yesterday's article. If you find yourself a little lost, my best advice is to catch up with that one first.] Yesterday, I wrote about Money magazine article which is slightly different than the version that […]

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10 Free Things for College Students

College is an exciting time, but it can be hectic. Between classes, working, and spending time with friends, you may just miss out on great opportunities that are only available to you while you’re in school. Here are ten not to miss: Photo by: Sean MacEntee Free Things for College Students Career Center: From the [...]

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Are Roth 401(k)s and Roth TSPs Better? (Part 1)

On page 37 of this month’s Money Magazine, Penelope Wang makes a strong suggestion that everyone should stop passing up on Roth 401Ks because they are better than traditional 401Ks. This was shocking news to me. I figured that if this is true, it should be “Front Page” material, not a buried in a one-page […]

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What To Do With Your Investments After a Layoff

If you’ve been laid off, but you were working with your previous employer for number of years, you probably accumulated a good chunk of money in your employer-sponsored retirement plan. And hopefully, you’ve also got some promising investments outside of your retirement plan. When you lose your job, and the search for ways to pay the bills is […]

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Focus on These 4 Things for Your Mid-Year Financial Review

Most of us sit down sometime around the new year, organize our finances, and create a budget for the upcoming year. We plan out our expenses and how much we want to save. Then, many of us either put the budget aside and never look at it again, or we follow along, exactly as planned. [...]

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From Ice Buckets to Polar Dips: Making Your Fundraising Go Viral

[Editor's Note: This is a guest post from a reader who goes by Tanya O. I had thought about not publishing an article about ice bucket challenge since it gets so much media coverage already. I changed my tune after seeing a commercial last night about the dangers of the "fire challenge" where (mostly) teenagers […]

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Ending the Mortgage Paydown vs. Investing Debate

This post is from Mark Seed who runs My Own Advisor. A huge debt can kill your retirement plan.   This is not news.   While servicing debt, you can’t save very much money.   You can’t invest what you don’t save.  Taking on a mega-mortgage could be very stressful for young Canadians.  I should know.   We took […]

Is Xocai a Scam?

[This article was originally a placeholder. A commenter named Paul significantly hijacked the conversion on my article exposing ViSalus as a scam. I've done my best to move most of those comments and conversation to this article. Thus there's a little discussion about ViSalus which may be confusing, but I hope it is minimal. Finally, […]

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US Bank Business Edge 10,000 Point Sign Up Bonus

US Bank is rolling out a new card, the U.S. Bank Business Edge™ Select Rewards card. The card features a 10,000 bonus point sign up bonus; it’s our Free Money Friday offer this week! How to Get Your Sign Up Bonus Open a new U.S. Bank Business Edge™ Select Rewards card. Spend $500 during the [...]

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Net Worth Update August 2014 – Sean Cooper

Welcome to the Million Dollar Journey August 2014 Net Worth Update -  Team MDJ edition. 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.  Sean Cooper was selected as a team member and will post net worth […]

9 Student Loan Mistakes People Make

I’ll be the first to admit that I made some mistakes when it came to student loans throughout college. Student loans are beneficial in that they allow people to get an education and a degree. But if used incorrectly, they can be a huge drain on your finances. Here are some common mistakes you might [...]

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Are You Friends With Your Checkbook?

Most of us strive to try to keep a budget each month. Everyone has fixed costs that have to be covered, such as the rent or mortgage, insurance, and food. Some people call these a “monthly nut”, but I’m not a squirrel. I like to call these “necessary expenses” and have tracked them over time. […]

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