5 Computer Hardware Upgrades to Improve Speed, Memory & Performance

computer dual monitorsWhen I first began my career in IT in the mid ’90s, we generally expected new computers to be obsolete within a few years. Thanks to improving technology however, we can now get a few more years out of computers before they break down or can’t keep up. That’s good news for your budget.

Even better, rather than investing in a completely new machine every time you want to make an improvement, you can snap up some new innovative tech products that will act as sensible and affordable upgrades on their own.

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4 Bathroom Ideas for Small Spaces That Save You Money – Multi-Purpose Toiletries

small bathroomGrowing up, my sister and I shared a bathroom. She loves toiletries and beauty products, so our cabinets looked like the health and beauty section of a supermarket. She had straightening shampoo for curly hair, deep conditioners for dyed hair, and frizz control serum for humid days, in addition to creams, lotions, powders, and boxes of makeup.

When I went to college, and eventually found an apartment for rent, I realized that I had to find ways to save money on beauty products and maximize space in my tiny bathroom. I found that I could get the most value by using multi-purpose products.

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Style on a Shoestring Book Review By Andy Paige – Develop Your Cents of Style

style on a shoestring bookIt’s a vicious cycle and a catch-22: You’re cash-poor and don’t want to rack up a lot of credit card debt, so you skimp out on buying quality clothes. Unfortunately, your ill-fitting, cheap-looking wardrobe doesn’t earn you respect at work or do much for your self-confidence, so you get passed over for opportunities that could get you a raise. But without career advancement, you won’t get the money you need to afford clothes that can make a good impression on your boss and coworkers. Sound familiar?

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How to Be a Good Landlord – 7 Tips, Advice & Responsibilities

landlord rental property keysStarting a property management company is a tough business, plain and simple. Landlords deal with the problems of tenants who call to complain constantly, tenants who don’t pay their rent, and what can seem like endless, high dollar property repairs. Buying rental property and becoming a landlord comes with a lot of stress and responsibilities, and all of these things can turn a well-meaning property owner into a jaded landlord.

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The Efficient Market Hypothesis – Definition, Theory & What It Means For Your Investing

business newspaper stocks glassesHow often have you read or heard news about a major company like Apple or Google and felt compelled to buy or sell the company’s stock? You want to invest in a company with a promising future, but once a story hits the news, is it already too late?

For years, financial experts have debated the efficient market hypothesis, which assumes that stock prices effectively reflect news and information.

You need to understand the hypothesis before investing – especially if you react to business news.

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11 Common Tax Filing Mistakes & Errors and How to Correct Them

tax filing mistakes errorsWhen you’re due a tax refund from the IRS, chances are you want it as quickly as possible. The easiest way to accomplish that is to make sure your tax return isn’t delayed by common mistakes.

There are a handful of errors the IRS regularly encounters. These raise an immediate red flag and can cause your refund to be delayed by weeks or months as the IRS tries to sort out the answers – you may even be asked to re-file.

Especially if you file on paper, be sure to double-check the following easily overlooked items.

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10 Best Stock Market Investment News, Analysis & Research Sites

stock investment research sitesAh, investing – a word that can strike fear into the hearts of even the most burly and masculine of men. A subject with such a broad and potentially confusing scope of choices, it can bewilder even the most savvy of businessmen.

Even though I consider myself well-versed in general investment information, there is a world of knowledge, terminology, and strategy that is just beyond my comprehension, and will likely always be.

So where should I, the layman, turn to when I seek competent and comprehensive stock market investment research and analysis?

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7 Frugal Kids Birthday Party Ideas & Games

kids birthday party ideasKids’ birthday parties seem a lot more elaborate now than they did when we were growing up. Parents are renting out bounce houses and ponies, and they’re transforming their homes into fantasy worlds. But when it comes down to it, kids just want to have fun, and it’s not necessary for parents to go all out for kids to have a good birthday party.

So how do you host a birthday party for your child without disappointing them and without breaking the bank?

Consider these tips to cut costs from your kid’s birthday budget as well as some fun game ideas to try out.

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6 Ways to Buy and Prepare Cheap Seafood Recipes & Dishes on a Budget

shrimp seafoodIn my household, seafood is something we used to only buy on special occasions: lobster on Valentine’s Day or wedding anniversaries, wild-caught salmon to celebrate a promotion or a raise at work, and shrimp cocktail when we’re having guests over for dinner. We simple had always assumed it was just too expensive to eat on a regular basis.

But recently, after a little research, I found six ways to incorporate fresh catches into our weekly grocery budget. It’s good, not only because I’m saving money, but because seafood is an important part of a lean, healthy diet (just be sure you’re taking the proper steps to avoid salmonella food poisoning when you prepare it). If you’re on a budget like me, read on and enjoy!

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Making Work Pay Tax Credit Eligibility & Qualifications Explained

making work pay tax credit

First introduced in 2009, the Making Work Pay tax credit was available for two years – 2009 and 2010. With this credit, you were able to receive a bonus of up to $400 (or $800 if you filed as married filing jointly) just for working.

However, this tax credit was not renewed by Congress following 2010, and is not available for tax years 2011 and later.

How the Making Work Pay Tax Credit Is Calculated

If you had any income from a job or self-employment during the years this credit was available, you can calculate your Making Work Pay credit based on your earned income. You also must file Schedule M to claim the credit – even if you received it as an income boost in your paycheck.

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