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David Bakke
David started his own personal finance blog, YourFinances101, in June of 2009 and published his first book on ways to save more and spend less called "Don't Be A Mule..." Since then he has been a regular contributor for Money Crashers. He lives just outside Atlanta, GA and most all of his free time is taken up by his amazing three year old son, Nicholas.

BillGuard Review – Protect Your Credit Cards From Fraud

By David Bakke

billguard logoWhen it comes to managing your money, verifying your credit card and debit card statements is an important part of the process. But how many of us really do this on a consistent basis? I know I don’t. Sure, I look through my statements, but if I see a charge that I don’t specifically remember, rarely do I do the research to verify it.

If you’re like me, BillGuard is worth checking out. It monitors all of your registered credit and debit cards for hidden charges, billing errors, and outright fraud. And the best part about it is that it’s 100% free.

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SpringCoin Review – Create a Personalized Debt Management Plan

By David Bakke

springcoin logoAs of 2010, Americans owed almost $1 trillion on revolving lines of credit, and $68 billion of it was past due. On top of that, 13% of all Americans currently carry more than $10,000 in credit card debt.

However, everyone’s situation is a little different. If yours is not that bad, you may benefit from a simple online budgeting tool, such as Mint.com. If your debts are more significant, however, consider a service such as SpringCoin, a simple, easy-to-use debt management tool that can help streamline your finances and provide a path out of personal debt.

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UPrinting Review – Win FREE Business Cards & Postcards

By David Bakke

uprinting logoWhether you need marketing materials for an upcoming ad campaign at work, invitations for your kid’s birthday party, or even canvas prints of your favorite vacation photos, UPrinting is worth checking out.

UPrinting is an online commercial printing service that can handle the size and scope of just about any project, with prices that are competitive with other national printing companies. Best of all, you’ll know exactly how much your project will cost – including shipping – before you even get started on your order.

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ZipRecruiter Review – Job Posting Site for Employers

By David Bakke

ziprecruiter logoFor recruiters, it can seem as though there’s never enough time in the day. Combing through hundreds of resumes, posting jobs to multiple websites, conducting effective interviews, and keeping everything organized is a daunting task. However, utilizing a website like ZipRecruiter is a great way to streamline these tasks. It offers a fast and easy way to get your postings in front of millions of candidates, and you can manage all potential applicants through an online interface.

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Match.com Review – Best Online Dating Site?

By David Bakke

match.com logoIt’s been a few years since I’ve used online dating sites, and the scene has certainly changed. However, one constant is that Match.com remains a leader among sites that help you find that special someone. In fact, the site is now better than ever. By using a 72-hour free trial, I was able to dig into Match.com to see first-hand the significant improvements that have been made to the site in the past several years.

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SavvyMoney Review – Plans to Pay Off Debt Fast (DebtGoal)

By David Bakke

savvymoney logoThe biggest key to enhancing your financial profile is simple: You need to pay down and eliminate credit card and personal debt. While this can be an overwhelming task to tackle, online tools can help you achieve your goals.

One such online tool is SavvyMoney (formerly DebtGoal.com). By utilizing one of their plans, you can pay down and eliminate debt without having to increase your monthly income. There are plenty of ways you can generate more revenue, but to speed up the process of climbing out of debt, SavvyMoney is an option worth considering.

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Volusion Review – All-in-One Ecommerce Web Hosting & Shopping Cart

By David Bakke

volusionFor online business owners, finding the right shopping cart software can be a difficult decision to make. Furthermore, trying to educate yourself on the wide variety of available online shopping carts can be an ineffective use of your time.

Volusion claims to offer the world’s #1 shopping cart software to accept payments from your customers and clients. It is easy to use, and comes with knowledgeable technical support to assist you along the way.

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Key Features

  • Templates. Volusion offers more than 120 free templates to choose from for your online store.

18 Great WD-40 Uses for Around the House

By David Bakke

wd-40 productsIt’s a safe bet you’ve heard of and used WD-40, an oil which can be used as a cleaning product, lubricant, and anti-corrosive solution. Its name actually stands for “Water Displacement – 40th Attempt.” The creator of the product sought to concoct a formula designed to prevent corrosion, and he perfected it, as you may have guessed, on his 40th attempt.

WD-40 performs five basic functions: It cleans, displaces moisture, penetrates, lubricates, and protects. These functions can be expanded for use on a variety of items in and around your home.

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ReadyForZero Review – Get Out of Debt Faster, On Your Own

By David Bakke

readyforzero logoFar too many people are under the mistaken notion that credit card debt is a simple fact of life. I was under this impression for many years until I finally decided to do something about the debt that was negatively affecting my life. It was a wise decision, as the financial doors that open to you once you commit to paying off all credit card debt are wide and plentiful.

To help you achieve this goal, there is a website called ReadyForZero, a gimmick-free, online financial program that helps you manage, reduce, and eliminate debt.

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SaveUp Review – Earn Prizes for Saving Money & Reducing Debt

By David Bakke

saveup logoAlthough you can generate some extra income by using cash back credit cards (and making sure to pay off your balance in full every month), I recently discovered a website where it actually pays to save money rather than spend it: SaveUp.

SaveUp is a free tool that links directly to your bank account. Every time you either save money or pay down debt, the site issues credits which can be used toward opportunities to win cash and other prizes. Additionally, the site features a section that offers tips and advice on all things financial.

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How to Write & Publish an eBook and Sell It for Profit

By David Bakke

reading ebooksSince bursting onto the market in 2007, digital reading devices have become incredibly popular. The first version of the Amazon Kindle sold out in just over five hours, and late last year, Amazon announced that, for the first time ever, ebook sales surpassed that of paperback books.

With the advent of the new Amazon Kindle book reader, now is a great time for authors to capitalize on ebook sales.

Benefits of eBooks

eBooks come with many benefits when compared to traditional printed books. Publishing costs are significantly reduced, revenue-splitting is minimal, and there are no shipping costs. Also, you can target the marketing of an ebook to a core group of readers.

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Cyber Monday Online Shopping Guide 2011 – Best Websites & Deals

By David Bakke

woman shopping online couchAlthough Black Friday is a great day to get your holiday shopping done, don’t forget about Cyber Monday. In 2010, consumers spent over a billion dollars on Cyber Monday and sales that day topped Black Friday sales by 31.1%.

More and more, consumers are opting for the convenience of online shopping. But things can get a little crazy even online, and a little direction on where to find the best deals by category can help. Although most of these stores are solely Internet-based, keep in mind that many brick and mortar retailers will offer special pricing for their products on Cyber Monday as well.

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Top 8 Cyber Monday Shopping Tips to Score the Best Deals

By David Bakke

cyber monday shopperEven with the most comprehensive and organized shopping strategy, you’re likely to encounter a few snags while seeking the best Black Friday deals. You may miss out on an advertised doorbuster sale, traffic may put you behind schedule, and frankly, you may just get tired and go home early.

If this happens, don’t despair. There will be a fresh set of enticing deals available online on Cyber Monday.

To rack up the savings and stay within your budget, follow these Cyber Monday shopping tips.

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Online Dating Pros and Cons – 5 Best Sites & Tips

By David Bakke

online dating communityEight months after going through a divorce and becoming a single father, I recently decided to get back into the dating game. My free time, however, is at a premium, considering that I work a full-time day job and run two side businesses from home. I’ve never been one to hang out at bars, so I decided to give online dating a whirl. Let me tell you, it has been an interesting ride to say the least.

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How to Negotiate & Lower Your Apartment Rent Payments (Without Moving)

By David Bakke

pay rent apartment highlighterFor most home renters, rent checks are the biggest expense of a monthly budget, and you probably think of it as a fixed cost – a set rate that doesn’t seem at all flexible. Sure, you might have had a chance to get a discount before you signed the lease, but once you’re there, you simply write the check out each month and forget about it.

For household costs like groceries and utilities, if you’re frugal, you’ll keep looking for ways to cut back. For rent, however, most people assume that the only way to lower the cost is to move to a cheaper place.

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