Return on Investment (ROI) is a concept that entrepreneurs and marketers know all too well. If you can spend a dollar to get more than a dollar in return, you should keep spending.

Awesome, but why do I care? I struggle with 40 paid hours a week and another 20 of what I called “I have to” hours of unpaid work. How does spending money help me?

Like you, ROI has always been something I care little about. Now that I started making investments to improve my business though, I see the true value of investing for the individual too. It may not be as direct and measurable as an advertising campaign, but investing in oneself is actually more beneficial than any investments a business owner can make.

Let me elaborate by giving you some suggestions.
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Supply and demand is an economic principle that we know all too well. When demand goes up, prices tend to follow. When supply is high, expect discounts.

Thanks to supply and demand, we might be moving to a bigger apartment. Let me explain…
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When tax time comes around, it’s often difficult to determine whether you should opt for the standard deduction or for an itemized deduction. What is a seemingly tiny distinction could actually be the difference between thousands of dollars in tax savings. It’s important to make a quick scan of your fiscal year to figure out whether you should take one or the other.

So, where should you look?
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Warning: Only read this if you are in “goofing off” mode. You may also want to ignore this post (along with your FICO score of course) if you just got yelled at by your boss.

Everyone ignores their FICO scores anyway so why don’t you as well? Here are the reasons why I believe you should stop checking those reports and just relax, watch some TV and let the others do all the hard work.
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Do you have any tips on how to get out of a rut? I’m always stuck and can’t seem to finish anything at work, but I really need this job and I’m afraid I will be fired. How do I keep the job and continue to bring home the paychecks that my family desperately need?

The reader question came at the perfect time, because before I got the email, I found myself unable to think of what to write either. I believe I started my struggle at around 8:15am (or thereabouts) and it’s now 10:18pm. For literally two hours, I was surfing the web, chatting unenthusiastically with people online and clicking send/receive in my email program so many times it would’ve broke if it was a mechanical button.
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Scottrade Review

by David@MoneyNing.com · 102 comments

Scottrade is one of the more established discount stock brokers in the industry, but I have to give them another praise after what happened since I wrote a review about them. This article outlines why Scottrade brings customer service to the next level, and what the brokerage firm offers.
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