When money is scarce, vacations are often the first thing to go. For many, the dream of a cruise or an island getaway seems out of reach. However, even if an expensive vacation is out of the question, there are many great ways to take time off without maxing out your credit card. One idea is the volunteer vacation, a short trip designed to help others in need.
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A special note goes to all sales people out there because the end of the quarters will always have a special place in my heart. Back when I was in sales, I either “loved this time of year” when I meet my quota or “hated it because I needed to go buy a bulletproof vest”. While I usually did pretty well, it still sucked because I had to spent time coming up with a presentation so if you are struggling right now, don’t worry - we know how you feel!
June was also special because I received the first proof of the budget travel book! It needed some changes, but it was extremely rewarding to see the actual printed book. As the launch date draws closer, you will definitely hear more about it.
Also, if you want some exclusive content from the book, a free course and also a special offer in the coming days, you better sign up for the free frugal newsletter in case I close up membership (or decide to charge for it or something).
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How to be a millionaire? You may be a bum wishing to have a million bucks, or you may be an aspiring young professional who wants to know if you are on the right path. Below are seven ways people become millionaires. Some are by pure luck but there’s no need to worry as others are based much less on chance and more on planning and wits. With some effort, you can have a big fat bank account one day too.
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Good Morning!
Speaking of this, what happened to refusing to deliver mediocrity when you aren’t at your best? I miss that in people. How about you?
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I’ve been here in Las Vegas at least three times in the past 90 days and it’s a good thing that I don’t gamble because the dealers will know me by now. Before I left, my mom asked me why I’m always on vacation and I figured it was the perfect opportunity to promote my upcoming budget travel book. I told her:
“Buy the book and you will know why I can go on vacations all the time like it is free”.
So with that said, the sage advice goes to all of you as well. Buy the book! (it’s not out yet but hey, BUY THE BOOK :))
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OptionsHouse, OptionsThis and OptionsThat. So many options brokerage houses which means confusing choices for us all. How does OptionsHouse get you to remember them? How about $2.95 per stock trade?
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Some of you know, others are jealous, many wonder but yesterday, one person actually asked.
You are making a living sharing what you do day to day and you seem to love it. I can only wish to make money doing what I love. What’s the secret?
I was flattered by the question. It’s true that I love writing over here, and I’m very fortunate that what I love to do happens to put bread on the table (those are for show of course, I secretly eat steak instead since I’m a meat kind of guy). It’s great now, even though it hasn’t always been like this.
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Actually, I should call it Emma’s mini vegetable garden as taking credit for something that is completely a result of my wife’s hard work is inappropriate. I was never going to post this due to its massive operation and size but seeing others do it was really inspiring and hey, I hope to inspire someone else to do it as well.
So here it is, in its entirety.
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In an economy where we need to save rather than spend, any project that you can do yourself should be at the top of your list. Enlisting the workmanship of an outside source can be time consuming and unnecessary for routine household upgrades in the bathroom or kitchen, so why not DIY? These projects all relate to the bathroom, but doing any project around the house is much simpler than you have been taught by various handymen and other construction workers.
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Being the best options broker is all the buzz lately because options trading is a hot trend amongst traders. Compared with the old days where these strategies are seen as risky and downright gambling, the perception has literally took a 180 degree turn because options trading is now deemed as a great way to hedge your positions and reduce volatility.
You already know I love TradeKing as a traditional stock broker, but how does it hold up with options trading? Find out in this review.
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Being charged a $2 bank fee for just calling Wells Fargo only pushes me to endorse an online company like EverBank more. For yet another time, I was caught by surprised with “hidden fees”.
Some of you may remember the monthly bank fees my original business checking account incurred a while back. At the time, the banker definitely helped by waiving about $25 worth of charges. All was good. In fact, I found a different type of account which requires no monthly fees a few weeks later, so I called my banker up to switch me over. (It’s strange that I wasn’t put in that type of account to begin with, but that’s another story for a later time…) I thought I did well on the call, but apparently I had to pay for the privilege of talking to him!
Geez.
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Many of you wanted to know about the upcoming book, and I’m happy to announce that it’s almost here! Below, for the first time ever, is what the cover will look like.
The Little Budget Travel Book is all about saving money while having a blast traveling the world. I’m all about having fun though, so the book won’t be trying to tell you to skip this activity or not do something else. If absolute money saving tactics are your thing, this book is not for you because you already know what to do - just lock yourself at home.
If however, you’ve always wanted to actually be places without spending a fortune, I’ve got the perfect book for you.
For all you newsletter subscribers, I haven’t forgotten about the special offer I promised you about. In the coming days, you will get an inside look as I approve the final copy and get it published, as well as a sample chapter of the actual book!
Furthermore, there will be exclusive content related to the book in the near future that is just accessible by you.
Getting all this is actually quite simple. By taking advantage of the free 7-part “Be happy, Spend Less” course, you can really get the cake and eat it too!
(Don’t worry about spam because I hate it as much as you do):
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You’ve got to love my amazingly clever and creative title, but anyway, back on topic…
A huge “thank you” to all you fathers out there. I know many of us seem to put in more effort around Mother’s Day but rest assured, we love you just as much.
I was talking to my father the other day and apparently, his glasses also keeps breaking. It was a tiny moment of sharing but its all these minuscule moments that I cherish so much. Thank you Dad!
A chain letter I received on Friday suggested that we should all put our car keys beside our bed. Why? Because if we hear a noise outside our home or someone trying to get in our house, we can just press the panic button on the car keys and it will act as an alarm. I know from experience that those alarms are pretty annoying so many of our neighbors will probably be looking out the windows to see what’s happening, which will probably help scare burglars away.
The tip might not be bulletproof but it might help save your life one day!
Oh it is written, the cover is ready and I submitted the book to be printed. I’m going to receive the physical copy for final approval in 7 business days and I’m extremely excited. First time ever, MoneyNing in printed format. More on this tomorrow…
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Being the largest government program in the world and eating up as much as 23 percent of the federal budget, the Social Security is a system that most Americans either love or hate. If you are receiving benefits and depend on the checks that come through regularly, you appreciate what this program does for you. If you are working and realized that you won’t see much of a benefit from this system in the future, not so much.
In the latest Social Security trustee report (here’s a summary), it is projected that Social Security will start running on a deficit by 2016. This means that in seven years, the program will need to start drawing on the surpluses of prior years.
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