Monthly Archives: November 2007

10 Alternatives to Exchanging Gifts at Work

It’s time for Secret Santas all across the country. You’ll draw someone’s name, get them exactly what they ask for, and that someone will get someone else exactly what they ask for and you will eventually get what you asked … Continue reading

Posted in Holidays, Work | 2 Comments

In Case of Emergency, Cut Here

We all know that we should plan for an emergency. From an early age, we’re taught to have an evacuation plan in case of fire and how to call 911 if we need help. If you live in hurricane, tornado, … Continue reading

Posted in Insurance, Personal Finance, Saving Money | 2 Comments

Payroll Tax Exemptions ($10 Question)

When it comes to how much money the government keeps out of your paycheck, there are often a lot of questions. You don’t want to be giving the government a free loan of your hard earned money, but at the … Continue reading

Posted in Personal Finance, Taxes | 5 Comments

Investment Policy Statement – Financial Dreams Need a Good Blueprint

By David John Marotta and Beth Anderson Nedelisky Would you be willing to give a contractor a blank check and no time limit to build your dream home? Beware of doing the same thing with your finances. Without a financial … Continue reading

Posted in Investing, Personal Finance | Leave a comment

10 Financial Moves I Made in My Youth That Secured My Financial Future

My neighbors’ oldest child just left for college this fall. Watching him load his car with electronics, clothes, and “stuff,” headed for his new apartment, I started reminiscing about when I was just starting out. When I was younger, I … Continue reading

Posted in Budgeting, Cars, Credit Cards, Debt, Education, Frugal, Housing, Personal Finance, Saving Money | 6 Comments

The Great Secret to Cheap Dental Care

Within the US and Canada there are over 60 dental schools which provide inexpensive dental treatment. With locations all over the US from Louisville, New York City, Ft Lauderdale, Los Angeles, Omaha, and Chapel Hill it is very likely there … Continue reading

Posted in Health, Insurance, Medical, Personal Finance, Saving Money | Tagged , , , | 74 Comments

Should I Buy an Artificial or Real Christmas Tree? ($10 Question)

With Christmas right around the corner, you should have started to make your Christmas budget as one reader is currently doing. In the process, she wonders what is the better alternative: a real Christmas tree or an artificial Christmas tree? … Continue reading

Posted in Holidays | 20 Comments

How to Blend Index Funds

By David John Marotta I don’t favor stock-picking as the best way to meet your financial goals. But even if you favor index funds, as I do, that doesn’t mean you have to use them exclusively. You have probably heard … Continue reading

Posted in Investing, Personal Finance | Leave a comment

Ten DIY Money Savers – To Try or Not?

The forums are buzzing with new money-saving tips and tricks. “We don’t purchase these anymore,” and “we’ve done this ourselves.” “I found a new way to do this,” and “I always wondered why people would pay for that?” For some … Continue reading

Posted in Frugal, Saving Money | 3 Comments

Selfish Reasons to Give Money Away

One basic fundraising rule is to tell potential donors what’s in it for them. It sounds strange that charities would appeal to donors’ sense of self-interest rather than to their sense of charity, but that’s what they do, albeit subtly, … Continue reading

Posted in Personal Finance, Taxes | 1 Comment

Teaching Children about Money: Ten Principles

By David John Marotta As Americans try to spend less and go on a budget, this provides an opportunity to teach the next generation financial principles they may never have seen in the prosperous years they have been alive. Here … Continue reading

Posted in Personal Finance | 9 Comments

Why You Are the Only One Who Knows How Much House You Can Really Afford

The process of buying a home and securing a mortgage can be very confusing if you don’t know what you are doing. That’s why it’s always important to do your homework. Obviously researching the mortgage process and the terms is … Continue reading

Posted in Housing, Personal Finance | 1 Comment

Public Transportation for Dummies

The other day on the light rail I sat near a woman. Let’s call her Sally Jesse. Sally Jesse spun her head around every time we stopped, asked everyone around her what station we were at, and promptly swiveled around … Continue reading

Posted in Cars, Personal Finance, Saving Money, Work | 13 Comments

Medicare Basics: What You Need to Know

By David John Marotta and Beth Anderson Nedelisky Many seniors look forward to saving on medical insurance costs by enrolling in Medicare at age sixty-five. However, navigating the Medicare system is not for the faint of heart. Medicare is an … Continue reading

Posted in Health, Insurance, Medical, Personal Finance, Retirement | Leave a comment

How I Take Frequent Vacations on a Limited Budget

Ah, it’s that time again. Time to begin planning yet another vacation (the sixth for this year). And time for well-meaning (I think) friends and family to ask, “How do you afford to go on so many vacations each year … Continue reading

Posted in Budgeting, Holidays, Personal Finance, Saving Money, Travel | 17 Comments

Why I Don’t Really Care About Higher Gas Prices

Gas prices are on the rise and have been forecasted to possibly reach $4.00 a gallon by this summer. This news sends many people into shock, but for me, it hardly makes me bat an eyelash. Granted, I don’t like … Continue reading

Posted in Cars, Personal Finance, Saving Money | 4 Comments

How To Calculate Your Net Worth

By David John Marotta With the end of the year quickly approaching, how do things look? Specifically, are you on track to meet your goals? Have you measured? What gets measured is more likely to be accomplished. Computing your net … Continue reading

Posted in Budgeting, Personal Finance, Retirement | 9 Comments

Less Help for First Time Home Buyers with a Decent Income

When my husband and I were in the market for our first home, we were excited to take advantage of some of the first time home buyer programs we had heard so much about. After all, we were in fact … Continue reading

Posted in Budgeting, Housing, Personal Finance, Saving Money | 6 Comments

“Get Paid To” (GPT) Sites: Scam or Money Making Opportunity?

With the rising costs of fuel, food, and everything else, I am seeing more and more people turning to “Get Paid To” (GPT) sites in order to earn some extra spending money. But can you really make money, and what … Continue reading

Posted in Making Money, Work | 15 Comments

Is Putting a 20% Down Payment on a House Realistic?

I understand the argument behind the advice of putting at least a 20% down payment on a house purchase. No one wants to pay private mortgage insurance and the idea of getting two different loans to avoid it isn’t that … Continue reading

Posted in Budgeting, Debt, Housing, Investing, Personal Finance, Retirement, Saving Money, Taxes | 31 Comments