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Frugal Vacation Idea – Tag Along to Your Spouse’s Business Conference

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Many people have to attend business conferences, often at faraway locations.  While it is true some people like to spend this time away from their family to focus on work and make business connections, others would prefer not to be away from their family for a long period of time.  If you are of the latter group and your spouse has a flexible schedule, why not create a family vacation around a conference instead?  Tag along to your spouse’s business conference and you have the makings of a frugal vacation.  There are several advantages to doing so:
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How to Survive College Without a Car

Going to college has its challenges.  You are forced to adapt to a new environment, meet new friends, study countless hours and much more.  These difficulties are only made worse by financial hardship.  If you have already graduated from college, try to think of another time in your life where you have paid tens of thousands of dollars in expenses with little or no income.  I bet you can’t think of another time.  The truth is that getting through college without any debt is a very difficult task.  Trying to keep your student loans to a minimum is made possible by finding ways to reduce spending and cut costs.  One of the best ways to reduce your expenses in college is to get rid of your car.  In fact, some universities (because of limited parking) do not allow underclassmen to bring cars to college.  If you are one of those select few that has a choice whether or not to bring a car, here are some reasons to leave that car at home (or even sell it). Continue Reading

Pay Off Debt or Save? That is the Question

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 might not work well for someone else.  It is entirely dependent on where you are at financially.  Let’s dig deeper and take a look at some of the positives of each scenario: Continue Reading

TD Ameritrade Online Stock Trading Review

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Stock trading has come a long way in just over a generation and TD Ameritrade has been a part of that history for more than forty years. It was only thirty years ago that stock trading was still done by calling a stock broker who called a specialist who took part in an auction process that would eventually result in you, the client, owning stock.  Although this still happens today, much of the stock trading now takes place using computer technology.

To see how computers have had a remarkable effect on the investment markets, in 1961 the New York Stock Exchange reached trading days of 4 million shares sold.  Today, because of new technology, over 4 billion shares are traded on some days.

Because of this new technology, much larger volumes of trades can now take place and more trades means more business for brokers.  That extra demand has given rise to a virtually endless supply of online brokers that made the stock market accessible to all consumers at a price they can afford.

In the following TD Ameritrade review, we’ll see what makes this broker tick and why they may be a good fit for your investing needs. Continue Reading

Are You Missing Out on These Credit Card Perks?

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:

Don’t miss out on these credit card perks:

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9-11-01 Ten Years Later

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.
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Condo Fees You May Not Be Aware Of

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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!”

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