6 Simple Ways to Save Money With Your High-Speed Internet Service Provider

high speed internetIt has been a long time since having high-speed broadband Internet service went from being a point of geeky pride to an essential utility.

And like all utility providers, Internet service providers will do everything they can to extract the most revenue from each of their customers.

Fortunately, there are six tactics savvy customers can employ to enjoy broadband service at the lowest possible price.

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How to Afford College Study Abroad Programs with Scholarships & More

study abroad chalkboardDuring the fall semester of my junior year of college, I studied abroad in Buenos Aires, and I can’t believe I almost didn’t go. I knew I wanted to study abroad, but I wasn’t sure if I could afford it. On top of regular tuition, I’d have to pay separately for housing, meals, and entertainment.

As it turned out, my study abroad program saved me money: I ended up shaving off a third of my usual on-campus expenses for the semester.

If you’re interested in studying abroad but you’re worried about affording it, consider these four ways you can make it work.

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Dividend Reinvestment Plans (DRIPs) and What They Offer Investors

stock chart dividendsStocks are generally thought to be risky investments (when compared to investing in bonds). And even though the average annual yield is great at around 12%, the market can be difficult to predict. However, there are ways to remove some of this risk by investing in dividend reinvestment programs (DRIPs). These programs can remove some of the brokerage and investment management fees that would otherwise eat away at your investment.

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What is Asset Allocation & Stock Investment Diversification – Definition & Strategy

diversification eggs basketWhat is diversification and why should you care about it?

Essentially, diversification is not putting all of your eggs in one basket when it comes to investing. There are several ways to look at it, but the key is that you are investing in different types of assets. That can mean investing in different asset classes as well as having a variety of types of stocks.

So, where should you focus when it comes to diversifying your portfolio and determining your personal investment portfolio asset allocation?

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10 Fun Valentine’s Day Activities and Crafts Ideas for Kids and Couples

mother daughter valentines day cookingIn the past, I always thought of Valentine’s Day as a holiday that celebrated romantic love. Fancy dinners at expensive restaurants, jewelry and diamond rings, chocolates, flowers, and proposals are the things that came to my mind. However, as I’ve gotten older, I have realized that it’s not just about romantic love. Valentine’s Day is about all of the forms of love you share with your family, friends, and humanity.

This year, instead of Valentine’s Day being all about me and my husband, I am going to celebrate and honor all those I cherish in my life.

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Secrets of a Stingy Scoundrel Book Review – 100 Dirty Little Money-Grubbing Secrets by Phil Villarreal

Book Giveaway: Read this review of Secrets of a Stingy Scoundrel, then leave a comment with the most low-down or annoying thing you’ve done to earn or save money. Best story wins a copy of the book! Deadline for submission is this Friday – February 11, 2011.

secrets of a stingy scoundrelDo you ever feel like there’s more you could do to be frugal and save money? Perhaps you’ve taken to rinsing and reusing sandwich baggies, or cutting up old clothes for cleaning rags.

But unless at least 20% of your daily calories come from stolen condiments, according to Phil Villarreal in his book, Secrets of a Stingy Scoundrel: 100 Dirty Little Money-Grubbing Secrets, you aren’t doing nearly enough.

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The Way We Pay in America – Most Popular Payment Methods, Federal Reserve Payments Study 2010

girl shopping credit cardWhat’s the first thing you look for when you get to the cash register and dig into your purse or pull out your wallet? Are you still writing personal checks, do you whip out a plastic card, or is it cold hard cash?

If you’re like the majority of Americans, you probably pay with some type of electronic payment. According the Federal Reserve, more than three-quarters of all non-cash payments are now electronic. That includes credit, debit, prepaid cards, ATM and Automated Clearing House (ACH) payments.

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Work From Home Scams List – 5 Fake Illegitimate Jobs & Opportunities to Avoid

computer hacker scam

Telecommuting and virtual offices are becoming more popular, but unfortunately, unemployment and underemployment are still very common as well. With the two worlds colliding, people looking for work or extra cash are becoming increasingly vulnerable to work from home scams and get rich quick schemes.

When trends like these emerge, new scams surface to take advantage of people — trying to rob you while you’re just trying to make a living. You might think you’re smart enough to detect obvious scams and ignore them, but schemers have mastered manipulation techniques. They know exactly what to say to victims to get in your pockets. By staying on top of the latest specific scams and signals, you can stay out of trouble.

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Health Insurance Fraud & Scams – 4 Warning Signs to Watch Out For

crazy mad doctorHealth care reform may give hope to millions of uninsured Americans. They’re waiting eagerly for their chance to get affordable health insurance coverage for themselves and their families. At the same time, unfortunately, schemers and crooks are willing to take advantage of uninsured people’s vulnerabilities and exploit them by offering bogus insurance policies.

Scam artists follow the news and understand the public’s hopes and expectations. When they try to manipulate people, they often use popular terms and buzzwords like “Obamacare” and “health care reform.” Just dropping these words often helps them gain trust and credibility with their victims.

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Is Silver a Good Investment? Analyzing Historical & Current Silver Price Forecasts for 2012

investing in silver coinsSilver fell to $10 lows in 2008 and rocketed to almost $31 highs at the end of 2010.

So, what are some silver price forecasts and predictions for 2012?

Let’s look at both sides of the freshly minted coin to study heads and tails of this issue.

Reasons For a High Silver Price Forecast

Silver bulls have an easy argument rooted in simple economics: supply and demand drives market prices. What happens when supply goes down and demand goes up? Prices skyrocket!

Here are a few things that affect supply and demand in this market:

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