Monthly Archives: November 2007

Kiddie Tax Loophole Dead – UGMA & UTMA Now a Poor Choice for College Savings

By David John Marotta and Beth Anderson Nedelisky Income-shifting is one of several tax planning tools families have used to lower their tax bill. Historically, parents could save a bundle by transferring highly appreciated investments to their children who are … Continue reading

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

Christmas Clubs and the All-Cash Christmas

When my mom started her first job around 1950 or so, she didn’t have a 401(k), but she did have a Christmas club. Every paycheck showed a deduction for her Christmas club savings account, an account she emptied each December … Continue reading

Posted in Holidays, Personal Finance, Saving Money, Shopping | 4 Comments

How Much Have You Earned In Your Lifetime?

It is common to pay lots of attention to unexpected expenses, through whining and commiserating with others. But look at the bright side; isn’t there sometimes, unexpected income? Maybe your perception of the surprise influx is what keeps you from … Continue reading

Posted in Personal Finance | 7 Comments

You’re Ugly, Poorly Dressed & Uncool — Basically, a Loser

I, like every other teenager in America, learned about subliminal messages in high school. Determined not to be influenced against my will, every time I entered a dark movie theater I would steel myself against advertisers’ sly tactics. I was … Continue reading

Posted in X Files | 11 Comments

Frugal Paper Wall Art

Studio apartment: unfurnished. Top floor, lots of windows, tall ceilings. New paint. Close to college. Available now. The keys land in your hand. The threshold of your new home is now guarded by your few boxes of stuff. Not long … Continue reading

Posted in Frugal, Housing, Saving Money | 2 Comments

10 Frugal Moves That Improve the Environment

It’s no coincidence that most frugal people are environmentally conscious, and vice versa. Frugal lifestyle choices tend to be environmentally friendly choices. It’s almost impossible to be concerned about the environment without taking actions that lessen your own environmental impact. … Continue reading

Posted in Personal Finance, Saving Money | 9 Comments

How to Make Your Credit Card Less Useful

I am sure at some time in our bill-paying lives each of us has stared at a lengthy itemization of a credit card statement and wondered, “How did I get so bound to a piece of plastic?” We try planning, … Continue reading

Posted in Credit Cards, Debt | 13 Comments