Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Couponing has become so popular it has its own television show. Nowadays, consumers use coupons for dinner, oil changes, and anything else companies are trying to advertise. Broadband service providers advertise with coupons too, and that’s where we can benefit. You can use these coupons to negotiate a new contract, lower your existing bill, or get new services for the same price.
Broadband companies are constantly looking to attract new clients, and they do that through sending out broadband coupon codes. These coupon codes typically offer percentages off, gift cards, or additional services, and ones for new customers is found in new home mailers or even on their websites. Here are the top three tips to use these promotions to your advantage. [ continue reading… ]
ETF’s enable people to enter markets that otherwise would be out of reach. Using inverse ETF’s and ETF’s that track gold and other commodities, retail investors and traders now have an effective way to diversify their portfolio.
The most popular ETF, the SPY, tracks the S&P 500 and is used for trading and short term investing. Is it possible that an ETF is as effective as a mutual fund? Buying and holding securities for long periods of time is the tried and true method, and we’ll use that theory for comparison purposes.
Mutual funds are the go-to investment for the average 401k contributor. Commonly, there are four categories that include aggressive growth, moderate, conservative, and international funds. Built for long-term investments, these tend to see healthy returns over long periods of time. On the other hand we have short-term investment vehicles, which are ETF’s that offer safe and effective ways for investors to enter and exit trades quickly. For example purposes, let us use the SPY and compare it against the Vanguard 500 Index Fund Investor Shares (VFINX).
These two examples are similar in nature because they are tracking the S&P 500, or “the market”. [ continue reading… ]
Advertisements for no fee trades on stock purchases are everywhere, but the catch is that you must deposit large sums of money in order to take advantage of the deal. How can young adults, who are just entering the workforce, realize their retirement saving goals? Luckily, when it comes to investing, no fee investing is beginning to rival large corporations such as TD Ameritrade and Charles Schwab. Not only is no fee investing catching on, trading directly from a smartphone with a few taps is providing opportunities for new investors to gradually enter the market.
The introductions of Acorn and Robinhoob revolutionized the way people save and invest with minimal fees, and the term minimal is used because Acorn charges one dollar a month to use their services, but the value is evident. [ continue reading… ]
School is back in session, and it can be easy to overlook college students settling in to dorms for the year. With all of the college rules and fine print, it can be hard to make campus housing into something more personable and comfortable. These creative ideas will help you make your space more personable without spending a lot of money or breaking the rules. Not a college dorm student? No worries – these tips work for apartments too!
It’s All About Lighting
Rooms can instantly look cozier with the right lighting. Students can find stringed Christmas lights in their parent’s garage or from a thrift store. Hang them as is or transform them into a cute garland with DIY tutorials.
Even just relying on stylish lamps for lighting can make a difference. Don’t forget to use LED-battery operated candles in cute containers to make your space feel more comfortable. [ continue reading… ]
For my twelfth birthday, my parents gave me a DVD of The Fast and the Furious. It was unlike anything I’d ever seen. I remember watching it over and over again, pausing to get a better look at the cool cars. The car that held my attention was Paul Walker’s Mitsubishi Eclipse.
Once I turned 16, I bought one.
One reason the 2nd generation Eclipse is such an alluring car is because of its performance capabilities. The turbo models come with 210 horsepower from the factory, which is nice but it’s capable of 1,000+ horsepower. The idea that you can buy something and figure out how to unlock its full potential is a gearhead’s dream come true. It’s a gift the Car God’s left for us to unwrap.
Still, modifying cars is expensive. The most obvious cost is the price of all the go-fast parts: intake, exhaust, suspension, dataloggers, clutches, built transmissions, built engines, turbos, superchargers, nitrous oxide, I could keep going. [ continue reading… ]
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