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How To Save Money On Dorm Furniture For A College Freshman

By Erik Folgate

Universities across the country will be filling up their dorms and surrounding apartment complexes from now until the next three weeks. I remember my first experience going away to school. I didn’t have much, because my dorm was about the size of a medium sized bedroom, and I shared it with one other guy. I brought a computer, bedding, clothes, and a chair. We already had a bed and desk provided to us. However, many large universities don’t have enough dorms to house all of their college freshman, so some freshman need to look for alternative off-campus housing. For these freshman, the cost to go away to school rises even further, because now you need to furnish an entire apartment. If your buying furniture for your kid, make sure you don’t go overboard buying furniture that is too nice for the space it will be in. When you’re looking for dorm/apartment furniture, look for utility. Here are a few places to start looking to find quality furniture at cheap prices.

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How To Save Money Buying A Laptop For A College Freshman

By Erik Folgate

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All universities and colleges have followed suit with the rapid growth in internet technology over the past ten years, and it is now essential for college students to have a good computer for school. Laptops are the computer of choice with college students, because they’re portable and pack enough features to help them with whatever needs to be done for school. This will be one of the bigger expenses you will face if your sending your child off to college in the next couple of weeks, and it’s important that you get them a laptop that meets their needs without breaking your checking account.

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We Want To Hear Your Debt Elimination Story!

By Erik Folgate

Do you have a great story about how you became debt free? Did you sell a bunch of stuff, make sacrifices to speed up your debt elimination? What’s your story? Maybe you started getting out of debt, and you are on track to destroy your elimination goals. We want to hear your story, too!

Still in debt? Read my debt elimination series.

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The Prize

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How I Saved $450 On A Piece of Furniture

By Erik Folgate

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Background Info

My wife and I went looking for entertainment centers on Sunday afternoon. We stopped by one of our favorite places to find really cheap, decent furnture: the Rooms-To-Go outlet. We bought our bedroom set brand new at the outlet two years ago for $1,200, which included a king head/foot board, dresser, and two night stands! So, we scoured the outlet, but nothing fully caught our eye. We saw one TV stand that we liked, but we wanted a two-piece set. We went to the showcase room down the street and saw two sets that we really liked. The first set was smaller, but had a different style to it. We saw that one at the outlet, but it wasn’t in great condition, and it wasn’t much of a discount either. The second set was big, had a nice top hutch piece with shelving and crown molding, and we liked that it would fill up most of the space that we would be putting it in.

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Dream Green Vacation Giveaway from Green Travel Hub

By Money Crashers

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My friends over at RezHub.com are re-launching a great travel booking website that offers customers ways to travel green without thinking about it! They have a green score rating system for all hotels affiliated with them that rates how environmentally friendly it operates. They’ll also help you find affordable hybrid car rentals, and they give back 20% of their profits to eco-friendly organizations.

The Giveaway

A 4 night stay at the Pacific Beach Hotel and Resort in Waikiki, Hawaii and a $350 car rental voucher to Hertz rental car.

Ways To Enter

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USAA Offers Check Deposit Feature With iPhone

By Erik Folgate

The Texas based bank, USAA, released an update to their iPhone application that allows customers to deposit a check through the iPhone. Simply snap a photo of the front and back of the check, and the application will process the check electronically. You never need to physically send in the paper check.

Security issues? USAA realizes that this could bring about security problems, and that is why they are only allowing the feature for customers with another account with them such as an insurance policy or a line of credit.

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A Review Of the Mint.com iPhone Application

By Erik Folgate

You’ve read my reviews about the Mint.com personal finance applicatioo, I believe it’s the best personal finance web application. It gives the user a great snapshot of their net worth, helps track budget goals, and accurately categorizes most purchases. Mint also has a free application for the iPhone, but it’s functionality is nothing like the web application. It serves the purpose more as a complement to the web application, rather than a replacement for it.

First, download the application for free and log in with your existing account. If you don’t already have an account, you’ll need to create one on the website.

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How To Protect Your Money While Traveling

By Erik Folgate

We are in the thick of the traveling season, so here is a good video from Clark Howard about protecting your money while you travel.

Should You Pay For Your Child To Go To College?

By Erik Folgate

Answering the questions of “should I pay for my child to go to college?” is a daunting task, but it should always be dictated by your personal and financial situation. Did you set up a college savings fund for your child when they were a baby? Did you not save a dime for your child’s education? Are the grandparents going to help with paying for college? The answer to these questions will help determine where your child should be attending college and if you’ll be paying for it. The decision brings with it a lot of emotions on your part and the part of the child. Your child will have their mind made up about where they want to go, but if you’re paying for it, you have the final say. Here are a few things to consider.

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Update On My IRA Account

By Erik Folgate

If you haven’t noticed, the stock market has been doing very well lately. It has had a few ups and downs in the past 8 weeks, but overall, it has performed great in 2009. My IRA took a strong dive in 2008 like many others, mainly because I did not have it properly diversified. I had everything in very aggressive growth stock mutual funds in a 401(k) with my former company. Once I left that company, I rolled the money into an IRA, and since the amount was not too signficant, I decided to experiment with Exchange Traded Funds.

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How To Use LinkedIn Effectively To Further Your Career

By Erik Folgate

Social media the “in” thing right now, and I don’t think it’s going anywhere for a long time. We are naturally social creatures. We like interacting with each other, sharing opinions, debating with each other, and basically showing off our lives. Why do you think Facebook is so popular? We like sharing our photos and updating people about US, becaue we are naturally selfish. Not to mention it’s fun to keep in touch with old friends without needing to put any effort into it. LinkedIn is a different beast than Twitter and Facebook. Twitter and Facebook are all about being personal, but LinkedIn is more like an interactive resume. You can build an online resume all while connecting with professional contacts. LinkedIn is different, therefore, it should be treated differently.

Don’t Be Too Personal on LinkedIn

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Save Money On Your Summer Rental Car

By Erik Folgate

Gas prices are cheap, and more travelers are renting cars this summer. Rental car companies are in a price war, and you can find a mid-size car in some areas of the country for less than $20 per day. But, if you don’t do your research, you could get burned when it comes to renting a car. Here are a few tips to help you save money on a rental car.

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How Stupid Could Credit Card Companies Be?

By Erik Folgate

I don’t know what it is with credit card companies, but they do some awfully dumb things. Credit card issuers have automated the entire process of extending a line of credit. Even with the massive credit crunch this country has experienced, banks are still issuing credit cards to anyone, and when I say anyone, I mean ANYONE.

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4 Types of Identity Theft and How to Prevent with Prepaid Legal Identity Theft Shield

By Anthony Kirlew

When people hear the word “Identity Theft”, most immediately think of someone compromising their credit profile and opening a credit account in their name. This is a very common form of ID Theft, but did you know there are several other types of ID Theft that can do serious damage to your good name?

1. Driving Records Identity Theft. What would you do if someone assumed your identity and committed a motor vehicle crime in your name such as DWI, DUI, or (worse yet) vehicular manslaughter? It’s real and it is happening. Here is some helpful information from Privacy Rights Clearinghouse on how to address this. Your local motor vehicle department should also have information to help you.

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Personal Finance Blogger Spotlight

By Erik Folgate

Today, I will highlight three personal finance bloggers that I really enjoy. I certainly don’t read their blogs every day, but I always get to them once a week, and I love interacting with these people on Facebook and Twitter. So, here is a small profile of the bloggers behind the blog:

Mrs. Micah – Finance For A Freelance Life

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