There aren’t a ton of IKEA retail stores in the United States, but if you live in or near a large metropolitan area, you might have one of the Swedish retail behemoths near you. Even if you don’t, you can order some of their products online or from their catalog and have it shipped to your door. IKEA has built a frenzy around the concept because it offers some insanely cheap prices on many of their items, and they get away with it by keeping overhead as low as possible and using extremely efficient operation processes. However, not everything at IKEA is a great buy or worth it.
One of the most important aspects of running a small business is to keep an organized office. With a small operation, there typically isn’t a lot of money in the budget to put into an expensive IT infrastructure, and most small businesses don’t worry about it too much because their small amount of employees allows them to communicate and collaborate easily. However, email is still a huge part of the business world, shared calendars are invaluable, and collaborating on documents that are constantly changing is a big part of service-based small businesses. Google Apps offers all of those features and A LOT more. If you own a small business and you don’t want to pay $300 per MS Office license, then keep reading.
Most of your companies will be holding their open enrollment period this fall and the beginning of 2011 for your health and retirement benefits. With the recent health care reform changes, health insurance premiums will rise even higher each year. Recent financial reform legislation may also increase the fees that stock brokers charge within your retirement plans. Don’t be surprised to see a lot of changes to your current health care options and 401(k) options. Expect more out-of-pocket expenses with your health plans and your boss to be throwing incentives at you to get and stay healthy. Here are some quick facts from CNN Money Magazine about what you can expect at your next open enrollment
It’s the most wonderful time of the year, even more exciting than Christmas for big college and pro football fans. I’m a huge college football fan. I bleed orange and blue. Yes, I’m a Florida Gator fan, Go Gators!
Now that I’ve made a ton of enemies by revealing that, I’ll try to win you back by helping you come up with alternative ways to fund your tailgate parties.
When I was convicted to change the way I handled money at the young age of 22, it wasn’t an educational revelation. It was an emotional and behavioral revelation, because I realized that the problem was ME. A lack of education was definitely one of the factors why I didn’t handle money well, but ultimately, it was my bad behavior and irrational thought process about money that led me to a ton of debt at a young age. If you’re sailing along in life with debt and you think that you’ll be okay once you start making more money, you might already be exhibiting bad financial behaviors and ways of thinking that could lead to a financial disaster. I completely agree with Dave Ramsey that personal finance is 80% behavior and 20% knowledge/education. Here’s 7 warning signs that the problem is YOU.
This past weekend, for the first time in my adult life, I was the victim of identity theft. We were walking into the movie theater about to sit down for a movie, and I got a phone call from a weird phone number. I listened to the message as we sat down in our seats and it was Bank of America saying there was suspicious activity in my bank account. My first reaction was that it was a scam, some kind of phishing attempt to get me to call them back and give them personal information acting like they were Bank of America. I have an iPhone, so I logged into my online banking from the BOA iPhone app, and sure enough, there were two $1,000 purchases and about a dozen smaller charges. My heart sank to my stomach. I couldn’t freakin’ believe it. Someone hijacked my account or one of our debit card numbers and was buying crap online. I couldn’t sit through that movie knowing what I now knew, so we left the theater, got rain check passes to see the movie another time, and I quickly called Bank of America.
It’s really hard to believe that Summer is almost over, and many of you will be sending your kids back to school! Sending your kids back to school can be a really expensive time of year, because your kids are growing out of clothes and need new school supplies. Fortunately, a lot of states have implemented sales tax free holidays around this time of year to help parents out a little bit. You could easily spend about $250 to $400 dollars per kid for some new clothes, shoes and school supplies, so that extra 6% to 9% sales tax could add up to some nice savings.
When money is tight, an extra $1,000 a month could be life-changing. Although an additional $12,000 a year might not sound like a ton of money, for a single-income home, or for a family with a hefty car payment or medical bills, it could make all the difference.
Ways to Make an Extra $1,000 a Month
If additional income could help you reach your financial goals or prevent you from falling deeper into debt, then it’s time you looked into a side-hustle. Thankfully, you don’t have to get stuck in a part-time job you hate to make it happen – even stay-at-home parents can find it an attainable goal. You just need to be a little creative. Here are 10 ways you can start making an extra $1,000 a month immediately.
I’m really baffled that people are so tempted to just walk away from their house simply because it’s “worth” less than they owe on it. I put the worth in quotation marks, because what a house is worth is all relative. A house is worth what someone is willing to pay for it. Sure, you can base it on comparable sales in the neighborhood, but that gets very skewed when you are dealing with one of the biggest real estate corrections in the history of the United States. Just because a real estate agent or Zillow.com tells you that your house is worth $100,000 and you owe $150,000 doesn’t mean it’s going to be like that forever. It would only take a solid year of real estate recovery and lessening foreclosures/short sales in order for your property to start recovering in market value. Here’s a question we recently received from a concerned friend:
Independence Day is one of my favorite holidays. I started out loving it, because I was a pyromaniac as a kid, and any excuse to play with fireworks sounded GREAT to me. I still love playing with fireworks and watching them, but the 4th of July has brought so much more meaning in my life when I think about all of the men and women who’ve sacrificed their lives so that we could have the freedom to pursue a life of happiness. Washington, Jefferson, Adams, Franklin and so many other Founding Fathers started this country with the dream that we would live free from tyrannical dictators, monarchies, and the constraints of oppressive government. Unfortunately, with every day that passes, every politician that we elect into government, every big government program that Congress comes up with, and every dollar we spend that we don’t have, we start slowly losing the freedoms we’ve experienced and taken for granted over the past 200 plus years.