Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
According to the Internet Crime Complaint Center Report for 2008, the vast majority of cases reported to the agency that were fraudulent in nature involved a total dollar loss of $264.6 million with a median dollar loss of $931.00 per complaint. This was up from $239.1 million in total reported losses in 2007.
Step back for a minute and think about these numbers for a second. $264.6 million dollars is a ton of money to lose, and I am sure there were many more billions that were lost because most people who were fraudulently scammed never reports.
These numbers and statistics only prove one thing; as the internet continues to grow in size, and as more and more people join the massive network of websites each and every day, scammers are always trying to find new ways to steal our information to use against us. [ continue reading… ]
One of the hottest investment topics right now is that of gold, and everyone is taking notice. You’ve probably seen commercials encouraging you to purchase gold bars and coins in preparation of what’s to come. Indeed, gold is often touted as a hedge against inflation, as the physical asset’s value is believed to always be more “real” than our fiat dollar. Additionally, concerns of our mounting government debt is like adding fuel to this fire. So, if you look to the future and see inflation (and maybe financial anarchy and the collapse of the U.S. dollar), investing in physical gold may seem like the way to go.
But is it? Being invested in commodity funds is one thing, but investing directly in gold coins and bars may actually cost more than it is worth. Here are some of the reasons why planting a large portion of your investment portfolio in physical gold may not be the way to go: [ continue reading… ]
Winter is when utility bill balances head up for most people. For those using electric heat, saving on electricity will be critical, as the weather gets colder. There are several easy ways to trim that sky-high electric bills of course, and this article will lay them out for you.
Use Local Resources
Almost every utility company runs an energy savings program. They will send someone out to evaluate your energy usage and wastage and help you design a plan that will reduce your energy needs. With this plan, you might have to invest some money, but the final expenses will be lower since you will be using less electricity over time. [ continue reading… ]
Jane has a question that all of us have asked one time or another. How much car should we buy? Below is a brief introduction to her situation, and she needs your help.
My car [is] a Hyundai Elantra. I have had it for 11 years in August. I would like to buy a new car in about 5 years with cash. Up until now I have not been in a position to save money for this. I’d like a fun car and I like to drive stick shift. Currently, I do not have a particular car in mind. I have been [contemplating on] a good amount to save [for it].
My question to you and everyone is, “How much would you spend on a car?”
The honest advice is difficult to hear, but it’s almost always the most useful.
For years, I was always a little too blunt. My mom told me that my brutal honesty affected my personal and professional relationships. It is a character flaw, and one that I’m still working on. It’s not that the advice is not genuine, but telling it exactly like it is can sometimes be disrespectful.
Giving the advice may make other’s faces cringe, but what about receiving genuine advice no matter how bad it sounds? Isn’t it appropriate to hear what others really think sometimes? [ continue reading… ]
Habits and actions greatly affect one’s wealth, but why listen to me talk about it when you can just see for yourself. Are we frugal or not? You be the judge.
Our Afternoon
1:30ish pm, at our apartment. David: Let’s go look at houses today, honey. Emma: Okay. … [ continue reading… ]
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