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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Dividend Discount Valuation Model for Stocks – Formula & Example

dividend discount model graphsOne of the problems that investors face in the stock market is figuring out the value of the stocks in which they are considering investing. Comparing a stock’s value to its market price allows investors to determine if a share of stock is being traded at a price that is greater or less than its actual value. There are a variety of ways that investors attempt to value stocks, but one of the oldest and most basic is the dividend discount model.

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15 Fun & Cheap Family Game Night Ideas & Board Games

family game nightRestaurants are great places to gather with all your friends and family, but they can get really expensive rather quickly!

That’s why I love hosting  a good old-fashioned game night. It’s so much fun to get together with family or friends and laugh the night away – without spending a dime. Sure there are board games that cost $30 or more, but you don’t have to buy a new game every time you have people over. There are plenty of ways to keep the cost of game night low while keeping the laughs abundant.

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Why You Should Stay Far Away From Tax Refund Anticipation Loans (RALs)

tax refund anticipation loanIn recent years, all kinds of industries have jumped on the IRS tax refund bandwagon.  More than half of Americans are issued refunds after filing their taxes, resulting in a profitable marketplace for a number of creative consumer opportunities. Gift cards are offered, and there are special deals on cars, furniture, and more.

Many tax refund deals promise to add some sort of premium to your refund and can be very helpful, especially if the timing is right – for example, if you happen to be planning to buy a car or a sofa.

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3 New Credit Trends and How They Affect You

credit card squeezeCredit card companies are in the business of making money, and they use all the techniques at their disposal to make sure that whatever you borrow from them, you’ll be paying back ten-fold.

After the credit bubble burst and defaults on their ledgers skyrocketed, banks and credit card issuers started pulling new tricks out of their hats to keep their profit flowing: credit card fees left and right, higher interest rates, and more stringent credit approval standards.

Fast forward to 2011, and they’re still finding ways to work around new legislation and regulations that were created (i.e. CARD Act of 2009) to protect the credit card user, in order to meet their needs and pad profit margins.

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5 Dandelion Greens Recipes for Salad & More

dandelionsIn the first part of this series, I talked about some of the incredible cost and health benefits of eating dandelions as well as how to harvest various components of this common weed including dandelion leaves, greens, flowers, and roots.

In this next post, I want to cover how to cook dandelions, and go over some of my favorite recipes. Most of these recipes are virtually free when it comes to expenses, especially given the fact that dandelions grow wild in many of our backyards, and for those of us who don’t have dandelions growing, they are inexpensive to harvest.

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Health Benefits of Eating Dandelions – How to Harvest Leaves, Greens, Flowers & Roots

dandelion fieldEvery spring our yards are filled with the bright, sunny appearance of dandelions. Well, at least I think they’re bright and sunny. Many people view the common dandelion as a weed, and wage a small war to eradicate the plant from their lawns.

Personally, I welcome the appearance of spring dandelions for one reason: I love to eat them.

I know, it sounds strange. Why on earth would someone want to eat dandelions?

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9 Uncommon Uses for Coca-Cola Coke – Which of Them Actually Work?

coke cansSince I enjoy using discount grocery coupons, I usually end up with a surplus of Coca-Cola in my home. While I’m usually brand-blind when it comes to carbonated beverages and usually buy generics, some would argue that Coca-Cola is the ultimate brand. And since I live in Atlanta, it’s basically a sin to buy anything other than Coke. I get it at a decent price, and it is by far my husband’s favorite beverage, so I stock up when I see deals. But I don’t drink a lot of soda, so I’m in search of some practical uses for Coca-Cola so I can get a little more value out of my purchase.

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DIRECTV Review – Promotions for Satellite Television Channels & Packages

When it comes to the world of cable/satellite TV, I am a firm believer in “jumping around.” Switching from one provider to another is usually pretty easy and can save you a great deal of money. Most companies have no early cancellation fees, some require no contracts, and they always have great deals going on. In short, you should not hesitate to switch companies if there is a better deal to be had.

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