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10 Creative Gifts for Your Valentine

Candy and flowers make nice Valentine’s Day gifts the first year or two a couple is together, but after a while, this routine gets a bit old. Maybe you can’t afford to buy your special Valentine a yacht or a trip to Hawaii, but you can use your imagination to delight your honey with something that shows how much you care. Why not surprise your sweetheart with a gift that’s as unique as your relationship? Take a weekend getaway.Valentine’s Day falls on a Friday this year, making this a great time for a weekend trip. You may not be able to pull together a major jaunt at the last minute, so keep it simple. Don’t try to pack too much into a small amount of […]

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10 Devices for Under $100 That You Didn’t Know You Needed

Life can get pretty hectic, and that is why it’s nice to find helpful tools that can give us a helping hand from time to time. To give you an idea of some of the products that are out there, here is a list of ten devices under $100 that can help to give you a much-needed boost in various facets of your life. There’s a little bit of everything mixed in, from tech to cooking and much more. Let’s jump into the list and check out these products you didn’t even know you needed shall we? K310 Logitech Washable Keyboard – $39.99 Whether it’s for work or play, a keyboard is probably something that you use every single day.  Now if you’re like me, […]

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10 Great Resources on Saving and Investing

I’ve mentioned the FCIC before and the wealth of free information they provide. Last time around we selected some of their resources pertaining to Small Business. Today it’s investing and saving. If you don’t have time to search for good articles, let alone for those endorsed by the .gov crowd, here are some good ones. 66 Ways to Save Money – Practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more. [pdf available] Certificates of Deposit: Tips for Investors – Learn how CDs work, how to purchase them, and questions to ask before buying. Consumer’s Almanac. – Organize your expenses, save for the future, and manage your credit with monthly calendars and worksheets. Fiscal Fitness for Older Americans – […]

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10 Internet Businesses you can Start with $100

We’ve already discussed ways to make money online, what we haven’t touched on is business to actually start online. Terry Ng does our job for us with a decent list of businesses you can start for under $100. The site doesn’t actually detail the how and where, it more or less shares ideas to consider and how much money you can roughly expect to spend upfront. Apparel Store Photo Retouching Start a blog Answer Questions Ebay Business Web Design Podcast Make Videos Affiliate Marketer Sell your own service Among the most important considerations, is the time aspect. Something may indeed bring you $500 per month but if it takes 60 hours to maintain, that may not be worth it. Look into these closely before you […]

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10 Sites Where You Can Earn Some Extra Cash While You Are a Student

This blog has talked about making money online before. We’ve also shown how you could get started with making money online if you are new to web working, want to make a living from the internet, and have no clue. Now, there’s a difference between making a living on the internet and making a few quick bucks. No, there is no get rich quick scheme but that doesn’t mean you can’t make ten dollars in ten minutes; you could if you know the right way to do it. So yes, there are ways to make some extra cash online when you need it. And the best beneficiaries of such methods, in my opinion, are students. Students love working part time (or I should say have […]

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10 Smartest Ways to Live Beneath Your Means

I managed to retire at age 51, and the way I did it was to live beneath my means. You can adopt this strategy too, by simply spending less than you earn. You may think that’s impossible for you, but if you make it a challenge instead of a chore, you’ll soon be creating ways to cut corners in everything you do. And believe me, it all adds up. There are no secrets to this strategy. It’s just common sense. Here are my 10 favorite ways to live beneath your means: Whenever possible, buy store brands. Nearly half the cost for name brands goes to advertising. Usually their quality isn’t any better than store brands, which frequently carry a money back guarantee. This is true […]

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10 Things to Buy for Less at End-of-Winter Sales

This weekend is President’s Day, and that means the major department and discount stores will be having big sales. Since they’re looking to clear out space for spring and summer items, this is a great time to score substantial savings on leftover stock from fall and winter. In addition to the markdowns on cold weather clothing and accessories, the chains are offering discounts on many other items. Here are ten types of merchandise to check out when you hit the mall. Winter clothingWith the way this winter is going, you may get your money’s worth out of that clearance sale coat or jacket without waiting for next year! Most chains start marking down fall and winter outerwear after Thanksgiving, so they aren’t likely to have […]

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10 Things Your Tax Preparer Won’t Tell You

Last year Smart Money magazine wrote an entire series of articles to inform consumers of various tidbits, pitfalls, and tricks that common service providers try (or may try) to pull. This year, I happened upon a timely article of the same vein. With taxes right around the corner, who isn’t in the mood for, “10 Things Your Tax Preparer Won’t Tell You”. Shown below are the 10 points that will prove to entice you just enough to get you to click through and read the article. “A big name doesn’t always mean better service.” “You wouldn’t believe what I get away with.” “You’d be better off without me.” “What are my qualifications? Well, I’m real good at Sudoku.” “If it’s February, you’re too late.” “You […]

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10 Ways to Crush Your 2014 Taxes

Tax Season is here, and that means millions of Americans are gathering paperwork, buying tax software and hiring professional help. However, there are several things you can do if you want to get your taxes done quickly, efficiently, and save yourself money. From the simplest of tips, to the newest apps, we found 10 ways to crush your 2014 Taxes. #1 Have Documents Ready The first step in getting your taxes done faster is to have all the documents you need on hand before you start. If you continually need to stop what you are doing to find more papers you will waste time. Have your W-2, 1099s and any paperwork needed for deductions and expenses throughout 2013 in one pile. You can even make […]

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10 Ways To Improve Yourself While Broke

I’m going to start off by being very honest, I’m currently broke. I was expecting to get a scholarship that I didn’t get, went on a trip that I probably shouldn’t have gone on, and bought a certain someone special a present I couldn’t afford. That’s $4k in the hole, and no regrets, but a bit of a mess to clean up after. I’m proactively trying to get myself out of the hole before I start dental school next year (see update). Once I start, I’ll be about $70K-$90K in the hole per year, so it won’t really matter, but it matters now. My goal is to get my credit card paid off, save up a small emergency fund, and establish a few passive streams […]

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