Passive Income Investing Strategies – Earn Monthly Income from Your Investments

money timeThe majority of people think of retirement accounts when the topic of investing comes up. Most “regular folks” are interested in building up a nest egg by investing in a 401k or a Roth IRA. However, investing can be about more than just preparing for the distant future. Investing can actually help you right now.

When you build an income investing portfolio, you can create a reasonably stable source of passive short-term cash flow, while simultaneously building up long-term investments. There are many options when it comes to this type of investing and it can be a great way to get somewhat instant gratification.

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10 Ways for How to Save Energy at Home Now – Save $2,500 Per Year

energy efficient homeLet’s face it. Although you may want to reduce your carbon footprint and save the earth, it can be very difficult to know exactly how to do it without spending a fortune.

Sure, there are plenty of ways you can upgrade your home to be environmentally-friendly on a large scale with solar-power water heaters, solar-power generators for your rooftop, and energy star appliances – but that can get expensive very quickly.

Luckily, some of the best ways to reduce your utility usage and energy costs, are also the cheapest. They’re effective investments to make in order to reduce and save money on your utility bills.

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9 Travel Tips to Find Cheap Accommodations & Lodging Anywhere on Vacation

cheap hostel roomWhen you’re planning a budget-friendly vacation, you can cut a few corners on travel and certainly find ways to spend less on meals and even entertainment. A tough place to lower your expenses, however, is on lodging. When you’re on the road, you still need a place to sleep and regroup.

Traveling with a family of five isn’t like going on a college road trip, so the solutions aren’t one-size-fits-all. Depending on your situation, you’ll have a different threshold for sacrificing comfort for a lower cost. You might be OK with a stranger’s couch, or you might require more luxurious accommodations.

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Best Baby Running and Jogging Strollers – Pros & Cons, Worth the Cost?

running strollerWhen you’re about to become a parent for the first time, it can be very intimidating thinking about buying all the necessary baby gear for your little one on the way. Looking at the list of recommended baby items, it may seem as though you are looking at a foreign language: layette, bassinet, boppy. Baby costs can add up very quickly.

You may question if some of them are actually baby items you don’t need or if there are any ways to save money on baby expenses. Then as you look down the list, you see something you recognize: strollers. Sounds simple enough, right? You need a carriage on wheels to transport your little one. But since there are so many different types of strollers, how do you know which one is the right one for you?

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Advances in Behavioral Finance Theory & Economics

market puzzledCollectively, consumers tend to make some very strange choices when it comes to how they make purchases and manage their money. Similarly, investors in financial markets also tend to think as a group and make irrational decisions. It is almost uncanny how an event can trigger so many market participants to unconsciously react in the same ways.

Behavioral finance is a response to this strange behavior. The theory attempts to explain how investors process events and formulate decisions. Theoretically, understanding behavioral finance allows other investors to predict market movements and profit from them.

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5 Tips & Tricks to Beat Out Customer Service Strategies and Get Past No

customer service tipsLately, it seems as if most customer service representatives are either not empowered to help you, or that they have actually been instructed not to. It has gotten to the point where getting a company to give you the service you deserve is not just a challenge, but almost a sport. We all know how to lose our temper or ask for a supervisor, but what if you want to take your customer service game to the next level?

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Are You a Cheapskate? – 9 Signs You’re Taking Frugal Living Too Far

dumpster divingMy dad is a hoarder – no, not the kind that needs an intervention on the “Hoarders” television show. Just the kind that has managed to cram every cabinet, shelf, and drawer in his house to the gills with tools, already-used nails, paper clips, pens, and other useful things. His theory is that the more he has on hand, the less he’ll have to buy down the road.

And honestly, the theory works to a point. I cannot tell you how many times growing up he saved me from having to run to the store and buy staples or magic markers or glue for a school project the night before it was due.

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Top 11 Eco-Friendly Green Gift Ideas that Are Unique & Cheap

green gift bagsGreen gifts have a great reputation for being clever and unique, and they help you lower your carbon footprint while encouraging others to change their habits too. But they often get a bad rap for being expensive and hard to find, and it’s tough to know if your recipients will love green products as much as you do.

The good news is that you can see how great these gifts are and dispel the myths about how much going green costs at the same time. With the right advice, you can save money while saving the planet.

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10 Smart Ways to Spend Your Tax Refund Money Wisely

cash envelope tax returnIf you’re expecting a tax refund this year, you need to have a good plan for your money. Maybe you already have the funds earmarked for some spending – but before you let your tax refund burn a hole in your pocket, remember that the government isn’t sending you a bonus check, but rather money that should have been yours all along.

In fact if you’re receiving a huge refund, you’re probably having too much withheld. Be sure to revisit your W-4 form and adjust your federal income tax withholding allowances.

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Travel to Prague on a Budget – Hotels, Castle & Things to Do

prague cityIf you’ve been tightening your vacation budget and putting off travel for a few months or even years, then “European” and “affordable” might not seem like words that go together. Europe’s centuries of architecture and culture make it an attractive destination, but this ornate history makes it seem extremely expensive too.

For some, trying to pull of a trip to Europe on a conservative budget might seem nearly impossible. However, it only takes a little research to find impressive European travel deals, and with some insider advice from people who have already been there, you can easily save up enough to afford and enjoy the best destinations. Your low-cost trip will still be an extravagant success.

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