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iPad Review: Should You Buy It?

By Erik Folgate

free apple ipadAfter a ton of hype, Apple’s iPad came out two Saturdays ago, and ever since then there have been thousands of articles written about it and the analysis has been all over the place. Some people are having a hard time figuring out who it’s right for and who it’s not. Some of you are just wondering why there’s so much hype surrounding it in the first place. The reason is because it is being tabbed a tablet computing device, but it’s much different than tablets from the past. It has no traditional keyboard, it uses a mobile operating system, you can interact with it like no other computing device, and it is razor thin. I’ve been reading a lot about the iPad, and I’ve made some opinions about who it works for, so here is my list of who it might be work for and who it will not.

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Prosper Review – The Online Auction Loan Marketplace (Peer-to-Peer Lending)

By Mark Riddix

The peer-to-peer lending concept is based on individuals conducting financial transactions without a middleman. The main advantage of peer to peer lending is that costs are lower since no payments need to be made to an intermediary. This is where Prosper comes into play.

Prosper is an online auction website where individuals can engage in peer-to-peer lending. Borrowers come to Prosper seeking funds for a number of different reasons. Lenders use Prosper to earn interest by lending money to borrowers. I’ve personally made $1,000 in loans through Prosper (none of which were defaulted on) and have had an overall good experience with the site. I’ll discuss a little more of my personal experiences with the product and share some advice for you in my “Final Thoughts” section below.

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E*TRADE Review – Great Discount Broker For the Advanced Investor

By Mark Riddix

E*TRADE is probably the most well-known, major discount brokerage firm in the United States. I am sure that you are probably familiar with the Super Bowl commercial of the talking baby. Well, E*TRADE is more than just talking babies!

The company was started in 1991, and it is headquartered in New York City. The online broker has grown through acquisitions to become a major force in the financial services industry. E*TRADE Financial suffered a setback during the subprime crisis of 2007 and 2008. However, E*TRADE has rebounded nicely and been voted the top online broker by SmartMoney for the past three years.

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Scottrade Review – Discount Broker For Every Investor

By Mark Riddix

With so many online brokers out there, finding the right one to meet all of your investing needs can feel like you’re looking for a needle in a haystack. The best way to find the right broker is by comparing their services and determining if they fit your financial goals. Today, I want to take a look at one of the leading online discount brokers in the country, Scottrade. Scottrade is one of the first discount brokers I used when I began my investing career and I’ve had a great experience with the product.

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Entertainment Book Review – Get Coupon Deals in Your City

By Mark Riddix

Have you ever heard of the Entertainment Book? If not, don’t worry! This review will tell you everything that you need to know about it. The Entertainment Book is a discount book that helps you save money on all of your entertainment purchases. Think of the Entertainment Book as a giant coupon book. There are over 150 different Entertainment Books published annually that offer discounts on local goods and services. The Entertainment Book can also be used for online shopping and at national chains throughout the United States. The Entertainment Book can save you on just about any purchase that you make.

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You Need A Budget 3 Review (YNAB) – Ultimate Personal Budgeting Software

By Sally Aquire

Creating a budget is essential for keeping on top of your finances, but drawing up your own often creates too much headache and not enough results.  We all know that budgeting is important, but actually sitting down and taking the time to write one is another story.  Fortunately, you don’t have to if you sign up for You Need a Budget (YNAB), because this budgeting software does the hard work for you.

What Is It?

YNAB uses what it calls the “Four Rules of Cash Flow” to help you manage your cash. These are fully explained in the introduction to the software, but here is some brief information on the four rules.

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SmartyPig Review – Savings Account Alternative with High Interest Rate

By Mark Riddix

You may have heard of a new personal financial site known as SmartyPig, but what is it?

SmartyPig was created in 2008 as an online site to help individuals save money for a specific goal. Think of SmartyPig as an online piggybank that pays a high interest rate. You can save for anything on SmartyPig including a wedding, a vacation, or a down payment on a home.

SmartyPig defines itself as “a simple, smart and secure way to save for a specific goal.” The unique aspect of the site is that SmartyPig lets friends, family members, and other users contribute to your savings goal. You can also contribute to other people’s savings accounts to help them achieve their goals.

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TradeKing Review – The Leading Online Discount Stock Broker

By Mark Riddix

There was a time when investors and traders could only buy securities through full-service brokerage houses. This changed during the nineties when we saw the rise of discount brokerage firms.

Discount brokerages are companies that charge lower fees than traditional brokers while typically offering fewer services. These brokers make it easier for the average person to have the opportunity to invest. We will take an in-depth look at a popular discount broker called TradeKing.

So, what is TradeKing? TradeKing is an online discount brokerage firm started in 2005 that allows investors to buy and sell securities for a minimal fee.

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Jim Cramer’s Action Alerts PLUS Review – The Inside Scoop on Stock Picks

By Jeff Bilberry

After many years of success on Wall Street, Jim Cramer decided to share his knowledge of investing with the general public in a book titled Jim Cramer’s Real Money: Sane Investing in an Insane World. The book aims to give the average investor a better understanding of how to pick and choose individual stocks. In 2005, Cramer took his message to the masses with a television show called Mad Money. The colorful show currently airs weekdays on CNBC and has developed a rabid following of fans and critics. The program is designed to dive into the world of investing each day with Cramer providing his opinion on which stocks a person should buy or sell.

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Lending Club Review – Peer to Peer (P2P) Lending Explained

By Erik Folgate

After the stock market crashed at the end of 2008, many people, including younger generations became very skeptical of the stock market and what it had to offer as a legitimate place to park your money. Some turned to “peer-to-peer lending,” which is a concept that has been around for a very long time, but the method as to how it was carried out was not always efficient at all. It went a little something like this:

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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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FusionCash.net Review – A Legitimate Website For Making Money Online From Home

By Erik Folgate

FusionCashI am sure you all are tired of the millions of scams and fake websites that claim you can make money from home. In a moment of weakness, you may have been tricked by one of these “infomercial-get-rich-quick” websites that promise you will make thousands of dollars per month. Then, you find out that there is always a catch or they keep billing you when they said it would only be a one-time fee. I know there are many stay-at-home moms and people just barely making it looking to make some extra cash. Fusion Cash is the only website that I have had good success with actually being paid for doing trial offers, taking surveys, and joining online clubs.

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Bright House Review: Why It’s Much Better Than Comcast

By Erik Folgate

The cable industry is one of the most baffling industries in this country. It is still one of the only industries that allows companies to monopolize a territory. There are alternatives such as satellite TV which is getting big, but I live in Florida and I see my mother-in-law’s satellite go out every time there is a thunder storm. If you’ve ever lived or visited Florida, you know that there is a thunder storm almost every day. When we lived in Jacksonville, Florida, Comcast was our only cable option. It was the first time that I was hooking up an HDTV to cable, so I didn’t have any other experience to compare it with. We just moved to Orlando, and Bright house is the cable dominator here. I now have something to compare it with, and I must say that I am much more impressed with Bright House’s services.

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