While it’s true that you need to be careful and responsible with your credit card, your credit card isn’t necessarily evil. Indeed, your credit card can actually be a source of different perks. I’m not just talking about rewards programs (which can offer great opportunities to get cash back, and free stuff). Your credit card also comes with a number of other perks that should be considered:
If you normally stop by Free From Broke to read about different aspects of personal finance, well I’m not going to talk about that here. Let me apologize in advance. Feel free to move on to another site if you don’t want to hear about 9/11. Really, I don’t mind. (just come back tomorrow)
Ten years ago we had an attack on our way of living that changed our lives forever. I know mine was changed. How? I can’t say entirely. After ten years I still can’t pinpoint everything I feel about that fateful day. I’m just going to write out some things in my head I’ve thought about. Bear with me.
Retirement is a stage in life that everyone in the rat race looks forward to.
It proves that you paid your dues to society, worked for a lengthy period, and it’s now time to open up the next chapter in your life.
Previously, when people retired, they didn’t have as much time to enjoy it. There wasn’t much to do, and they weren’t expected to live very long afterwards. With improvements in technology and health, people are living longer, and in some cases, are retired longer than they spent working!
So how can you spend your days with your new found freedom?
Here are 9 things to do when you retire:
Many 20-somethings graduate college and move to the city. Not quite ready for homeownership, many of them may consider buying a condo.
Recently, I observed a billboard for a condo building in downtown Chicago that piqued my curiousity because it clearly was seeking to attract young professionals. I went home and looked on their website, which was sleek and obviously catering to the 20 to early 30s crowd. There were beautiful pictures of the high rise from the outside, pictures of the inside of different condos highlighting the beautiful city view, floor plans, and even interviews with a half dozen of the residents (all of them young professionals except for the token near retirement empty nester).
What really caught my interest was their page that declared, “You Can’t Afford Not To Buy!”
Once again, a natural disaster has brought the attention of many to the possible need for disaster insurance. Hurricane Irene might not have been as fierce as many expected, but there will still probably be plenty of insurance claims from floods and other damage. Whenever we hear of a hurricane, an earthquake, tornadoes or some other disaster, it often prompts a double-check of the homeowners policy to see if you would be covered in a similar disaster were to befall you. Do you need disaster insurance? See the different types available and if you need it.
Types of Disaster Coverage
PerkStreet Financial, the online checking account, have released their September 2011 5% cashback Powerperks. For those who don’t know PerkStreet yet I suggest you check out my PerkStreet Review. We’ll wait. All caught up? Good. So you know, PerkStreet offers cashback on their debit card spending (pretty rare for a checking account and for some, better than receiving an interest rate on checking). You always get between 1% and 2% on your debit card spending. On top of that, every month they select specific categories and retailers where you can earn 5% cashback. The selections usually revolve around a seasonal theme, which makes the categories both practical and fun.
For September, PerkStreet wants to help you get your family and home ready for the Fall season with cashback on clothes, home goods, and more at the following retailers: Continue Reading
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, romantic locations to places that, while still beautiful and romantic, do not cost so much to travel to them. Affordable honeymoon locations are more popular than ever. Many of them serve their patrons well. Couples can start a life together just as well if they stick to a budget when planning the trip. Here are the top five most popular,cheap honeymoon locations. Continue Reading
Many of us grew up in two car families, and more recently, even three car families. A car for each adult (and sometimes teenaged) member of the family seems to be a necessity, but is it? Are there transportation alternatives for one car families?
We live on the outskirts of a major urban area and have lived happily with one car our entire married life. By not having a second car we have saved thousands of dollars. Consider the following:
One of the biggest purchases you make is your home. It is an expensive item to own, and its protection is quite important if you want to maintain financial freedom. After all, if something happens to your home, it can be quite expensive to fix. Insurance is purchased to help you afford unexpected problems, and this includes homeowners insurance. However, it is important to realize that not every situation is always covered by homeowners insurance.
Before you consider that your entire home, and everything in it is covered, it is important to double check what is actually covered by your policy. You may need to purchase additional insurance coverage if your homeowners policy is lacking. Here are some of the more common items not covered by some homeowners insurance policies:
The east coast is getting hammered with its second natural disaster in a week. For the usually calm area (from a nature perspective), many are not sure how to react. Some in the coastal regions of the impacted states are ignoring warnings to evacuate at significant risk to their own lives. An earthquake happened earlier in the week, Steve Jobs resigned from Apple, and now a hurricane. Quite the eventful week.