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10 Free Investment Credits From ShareBuilder (And $50 Signup Bonus)

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Online investment company ShareBuilder (owned by ING Direct) is offering up 10 free investment credits to new and existing customers who set up an Automatic Investment Plan before January 31st.  This is a great way to start investing for the New Year!  Normally automatic investments are $4 per trade.
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The Credit Card Accountability, Responsibility, And Disclosure (CARD) Act Of 2009- Effect On Credit Card Holders

In the last year or more, credit cards and the laws that govern the industry have come under serious scrutiny due to the large amounts of individuals and families facing serious debt problems involving credit cards.  Card holders have been subjected to stiff fees and increasing interest rates for seemingly no reason, leaving many so far behind in payments, they had no where to turn.  As the credit card industry began to spiral seriously out of control, Congress finally began to take action on behalf of the affected consumers.

Credit card practices have been unfair and deceptive for quite some time
and changes need to be made to continue a healthy economy.  In May 2009, President Obama signed into law the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009.  The action was meant to create more protection for consumers and halt unfair and hidden fees they were being charged for being a credit card holder.
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Why Should I Keep Dumping Money Into My Old Car Or Other Old Junk?

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That older car of yours is starting to show signs of wear, and it seems month after month you’re fixing something or other.

When should you call it quits and upgrade to something newer?

If you’re frugal, you’re trying to get every last stinking mile out of your car possible.  If you’re like me with 4 kids, you think it makes no sense to get something newer that kids will destroy.  The body of my black 2000 Nissan Maxima (bought used with 50,000 miles in April of 2005) is in fairly good condition, the car looks decent, and I’ve taken care of it.  I’ve got 145,000 miles on the car and in the last couple of years I’ve had to replace several costly parts, including new tires for about $300, the alternator cost about $600, the new radiator last month cost another $500, and the exhaust system replacement cost another $300.  Not to mention, someone broke the lock last Thanksgiving breaking into my car (which cost $350 to fix).  Throw in other small items and the bill in just 2 years was over $2000.

Nearly every time a new bill came up I wondered to myself if it was time to buy something newer.

As an Accountant who has worked for various large manufacturers with multiple plants and millions in equipment, I’ll share how we evaluate purchasing or replacing capital equipment and other big purchases.  I’ll then help you better evaluate a potential large purchase or replacement purchase should your car breakdown, your roof starts leaking, your water heater starts giving you problems, or maybe your A/C is on the fritz and your unsure whether to pay for a service call or if you should go ahead and buy instead of taking a chance wasting money on a call.
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A Little Investigation And Elbow Grease Saved Us Over $150

Vacuum Cleaner Belts

My wife was vacuuming the house. She notices that the vacuum isn’t picking up as well as it should (this has happened before and we had discovered that the hose was backed up).  No big deal.  Then we smell a real nasty smell of rubber burning.  And the vacuum stopped picking up dirt.  Oh no.  “Great, we have to buy a new vacuum,” I say to my wife.  “What did this one cost us?  Around $150-$200?  Maybe we can get a good deal with it being the holidays and stores are trying to get rid of their inventory,” I say, trying to find the silver lining.  Just what we need though, another expense.
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Write For Free From Broke

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Do you have your own blog and are looking for more exposure?  Maybe you don’t but you’re a good writer and you’re looking for a place to share your ideas?  Well, Free From Broke is looking for talented writers for guest articles.
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