Say Goodbye to Paper Bonds, Say Hello to Electronic Bonds

by Jon the Saver

You know those paper bonds that you got from Grandma and Grandpa as a kid?  Well kiss those goodbye!  Yup, as in non-existent.  It looks like the Treasury is being forced to make some serious cut backs and one of those cutbacks is physical United States savings bonds.  The Bureau of the Public Debt made [...]

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Rebates are a Sham and I Hate Them

by Jon the Saver

Rebates, ahh yes, rebates.  They have to be the greatest “catch” of them all when it comes to buying products at a discounted price.  I’ll say it: rebates are a sham!  How many times have you really wanted something and written a check for a rebate thinking you’d see your money back soon but don’t?  Then you [...]

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Pay Off Debt or Save? That is the Question

by Jon the Saver

If you’re a typical American, you probably have some sort of consumer debt and are actively saving your money either in stocks or in a general savings account.  Unfortunately, those two things don’t go hand in hand.  Deciding to pay off debt or boost you savings is a tough choice.  The best decision for you [...]

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Popular Honeymoon Spots on the Cheap

by Jon the Saver

Big spending has dropped in popularity since the 2008 financial crisis.  The era of glamorous weddings and honeymoons appears to be over.  Engaged couples and newlyweds are downsizing to more affordable scenarios.  More couples are choosing to emphasize the emotional and conjugal aspects of marriage instead of focusing on “bling.” Honeymoons have shifted from exotic, [...]

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What You CAN’T Hold in an IRA

by Jon the Saver

We hear a lot about what we CAN hold within our individual IRA accounts, but never anything about what we CAN’T hold within them.  A Roth IRA or Traditional IRA is an appealing financial vehicle since you have a wide range of choices versus something like a 401(k) plan where you are limited to a [...]

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How to Avoid Buying a Used Car Lemon

by Jon the Saver

It was the summer of 2010.  I had just graduated college and had saved up a down payment for my dream car, a 2004 Acura TL.  I had researched the heck out of that car and it came out on top whenever I compared it to other vehicles.  I was on a mission to get [...]

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Playing the Retirement Catch-Up Game in Your Forties

by Jon the Saver

So, you’re in your forties and have little to no retirement savings.  ”What shall I do?” you ask yourself.  First thing you need to do is not lose hope.  You have a challenge ahead of you but you can win this battle.  It’s something I like to call “Retirement Catch-Up.”  At its core, it’s a [...]

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5 Must Follow Home Energy Savings Tips for Summer

by Jon the Saver

Everyone can take a few key steps to lower the amount of energy they use in their home. While you are reducing your carbon footprint, you will also be reducing your monthly utility bills.  Check out these five home energy savings tips for summer that are a win-win for everyone. Replace those old air filters! [...]

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6 Things to Consider Before Retiring

by Jon the Saver

After working long and hard for many years, the idea of retiring is very appealing.  However, you do not want to just decide to retire without proper planning.  There are 6 important things to consider before retiring. 1. Volatility If you are planning on retiring, the market volatility influences your retirement account when you have [...]

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5 New Retirement Planning Rules

by Jon the Saver

The old view of retirement planning has changed. Retiring at 60, going on trips, and not worrying about money are things of the past for most Americans.  There are multiple reasons for this.  We’re in the worst recession since the Depression, Social Security is bankrupt, and medical expenses are skyrocketing.  So what can you expect [...]

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