Latest Comments
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| I think it is also important to think about the "quality of life" component in making this decision. Paying off your mortgage 15 yrs early is great but at the expense of vacations, a decent car or new clothes might not be worth it. | Banker | 2 minutes | 15 or 30 year mortgage » JoeTaxpayer |
| Amabaie, what are you yaying about? Are you selling trinkets to the US? Don't you want to buy US stocks on the cheap:)? lol | MoneyEnergy | 5 hours | Canadian Dollar to Tumble Further? |
| A party without a stripper is a waste of time, you know. | summersandrew | 7 hours | A Few Frugal Ideas for Holiday Entertaining |
| it surely is | summersandrew | 7 hours | Is Retirement Biblical? (Part 2) |
| Yeah, that's a real shame for US goverment | summersandrew | 7 hours | Why Are There Homeless Veterans In America? |
| For the average person who want to know how to make money with iphone applications, the process is strategic, intentional, and straight forward. Here are some ideas to help you get started. 1. Develop an app that is focused, practical, and small in size. The smaller the app file, the faster it will run and the more enticing it is to potential buyers. If the app is too big, buyers might not have room for it on their iPhone, causing fewer people to buy it, and you might not make as much money with your iPhone app. Avoid letting extra features sneak into your app. If they are important, save them, and after the initial release of your app, release a premium version with the extra features. This will allow you to sell the simpler release (for those who need a smaller app), but also have a more extensive app that you can charge more for. Keep it small, keep it simple, and create an app that people can use over and over again. 2. Submit your app to the Apple Web App Directory. Apple’s Web app directory is the premiere listing of the newest applications. You won’t find much traffic on other directories, so you should submit to the Apple directory. Once you submit, wait for Apple to review your app. This review is merely to see if your app is usable and functions correctly. Once Apple reviews your app – which takes about a day – they’ll put your app at the top of their chronological list. You’ll get a lot of hits for the first few days because of your app’s place at the top of the directory list. This is the most crucial part of your total revenue because it’s when your app will be seen the most and you will make the most money with iPhone apps. 3. Resubmit your App. Apple will relist your app at the top of the directory if you resubmit your app with revisions. Fill out a resubmission form and fill out the “What’s New” section. Even if your revisions are small and simple, you should still resubmit your product. This will increase visibility, placing you at the top of the directory list once again. Always resubmit your app on a Thursday or Friday. Apple doesn’t list apps during weekends, so the ones listed on Thursday and Friday stay at the top of the list the longest. All of these steps WILL help your iPhone app gain exposure and buyers, but they don’t guarantee the success of your product. You MUST have a compelling, concise, practical, and efficient app. If your app fits this mold and you follow these steps, you will have success. The key is coming up with a good idea, but the trick is showing your app to the world once it is created. If you can do this, you will make money with your iPhone apps. | tanay2035 | 23 hours | Can you make money developing iPhone apps? |
| Yay! | amabaie | 1 day 3 hours | Canadian Dollar to Tumble Further? |
| San Diego is a great place to leave! | mlaguerta | 1 day 10 hours | Living the Life in the Valley in a San Diego Foreclosure Home |
| hahahaha... | CreditShout | 2 days | Wife = asset or liability? |
| I agree...nice title :) | insurancepaper | 2 days | Wife = asset or liability? |
| Who knew there were so many?! Really cool stuff people are working on. | BudgetsAreSexy | 2 days | My Next Buck’s List of the Top Personal Finance On-Going Series |
| Sometimes they can weed out the lame employers and point out aspects of an employer/employee match that might not have occurred to you. | amabaie | 2 days | How to Properly Use Headhunters |
| where's the list? | lricketts | 2 days | Free Stuff from Uncle Sam - The Quizzle Blog |
| Headhunters can be a good fit. Just make sure they "truly' understand what you're looking for in your next job and/or career. | jeffrose | 2 days | How to Properly Use Headhunters |
| This is so true. My wife and I have extreme differences, but that's what makes us a perfect team. | jeffrose | 2 days | 6 Steps on How to Prosper by Celebrating Your Marital Differences |
| no. I already did. ;) It was really good. | moneymatters | 3 days | Is Retirement Biblical? (Part 1) |
| Tipd just for the title. lol | amabaie | 3 days | Wife = asset or liability? |
| Agreed, this is a very important subject. | gdha | 3 days | Best Way to Teach Kids about Money |
| If I could give you two tips, I'd do it. | Clarifinancial | 3 days | How Much Does a Financial Advisor Cost? |
| These are some good tips. I know I"m always looking for ways to save money these days too. | sithburns | 3 days | 3 Easy Ways to Save Money During a Recession |
| ooooh... free ebooks! | sithburns | 3 days | 100 Free eBooks for Your Financial Literacy |
| On the safety tip, fragile incandescent lights are also dangerous to curious cats and teething toddlers. | Clarifinancial | 3 days | Save Money This Christmas With LED Lights - Canadian Finance Blog |
| I have visited your interesting blog and I think you have regular sources of income. When you can substantiate your income you can apply and get a credit card easily. Looking forward to hearing from you soon. I am sorry for the delay in my reply. | charleschuack | 3 days | Credit Card Lighthouse: 5 Quick and Easy Ways to Establish Your Credit Worthiness |
| Links to second page of the article seem to be broken | ultrageek | 3 days | 7 Ways Your Money Will Never Be the Same - Kiplinger.com |
| Go read this. | mattjabs | 3 days | Is Retirement Biblical? (Part 1) |
| Interesting and relevant to today's changing Internet marketing. | caperez | 4 days | Article Marketing-Write One Well Researched Article-Really? |
| Nice tips in that linked article. I wanted to respond to your post by adding a relevant (albeit unsolicited) piece of advice. I work in the consumer advocacy division of the Houston-based company Validas, where we electronically audit and subsequently reduce the average cell bill by 22 percent through our website, fixmycellbill.com (and I'll add that 22 percent equates to over $450 per year for the average user). You can find out for free if fixmycellbill.com can modify your plan to better suit your individual needs by going to the website. Check out Validas in the media, most recently on Fox News at myfoxtampabay.com/dpp/consumer/conlaw/lower_cell_phone_bills_072409 . Good luck to everyone reading on retaking control over your wireless expenses. Dylan Consumer Advocacy, Fixmycellbill.com | dbb10001 | 4 days | 10 Small Ways to Save Money That Make a Big Difference |
| I love this quote: “Next to trying and winning, the best thing is trying and failing. ” Lucy Maud Montgomery | amabaie | 4 days | How to Be a Winner - A blog about stuff. - The Things |
| Good tips Miranda! There are certain words that throw up a red flag when dealing with insurance and it's best to avoid drawing attention to yourself for any undue reason. | SpendOnLife | 4 days | Four Things To Avoid Saying to Your Insurance Agent |
| I think the unemployment rate is major negative factor now, but as it improves there should be additional demand as more people take the leap into home ownership. | ryanpaulsmith | 4 days | 5 Factors That Might Burst The Housing Bubble - Canadian Finance Blog |
| People... TAKE NOTICE and mark my words! These Funds WILL OUTPERFORM in the coming future!!! | DoFollowTrend | 4 days | Trend Following Wizards - Fund Performance |
| This is a great article - highly recommended. | dcol9186 | 4 days | 27 Ways to Save Energy & Money Heating Your Water |
| I.e., b/c most people aren't going to pay the top rates. My own recent experience was a huge disappointment, despite paying a photog who is very good, I'm thinking the two assistant photogs weren't so good. | ultrageek | 4 days | Five Most Overpaid Jobs In America |
| You're not kidding re wedding photogs. There's a ton of money in it, but I'm thinking if you really want to make money, drop your rate and do 2 weddings a week. | ultrageek | 4 days | Five Most Overpaid Jobs In America |
| Yeah what's with the "all caps" of your text, above? | ultrageek | 4 days | Agreement of double taxation between China and United Arab Emirates |
| THese loans are good as long as the borrower doesn't go back out and run up their Credit Cards again. Banker | Banker | 4 days | Debt Consolidation for Better Debt Management |
| um, please keep your tone down. | tamar | 5 days | Agreement of double taxation between China and United Arab Emirates |
| SEXY surfer girl that you've got there... Nice comparison with the investing style as well. Very apt in the current times!! | weeplanets | 5 days | Following the Trend and Surfing!... |
| We use our personal credit card, then get reimbursed by the business. | amabaie | 6 days | Use your Personal Credit Card for Business Operations |
| I've been to Canada in the winter, if anyone knows how to do this right it will be the CanadianFinance Blog! | EliminateTheMuda | 6 days | Top 15 Ways to Save Money on Heating Your House - Canadian Finance Blog |
| gold rush just *now* in iPhone app space? I thought that was sooo.... last year or more ago. But I don't keep up on it. | MoneyEnergy | 7 days | Can you make money developing iPhone apps? |
| I hope the community banks and credit unions can grab some market share from the mega banks, and I think these new high-yield reward checking accounts from BancVue can help. However, I don't know how they came up with the name Kasasa. I don't even know how to pronounce it. Surely, they could have come up with a better name. | drake | 8 days | Small Banks Move In as Giants Falter |
| Being first is never a bad thing. Why aren't people doing it in the Android space? It will get HUGE soon. | tamar | 8 days | Can you make money developing iPhone apps? |
| If you use home remedies often enough, you can reduce your overall risk of serious ailments that might require more costly medications down the road, too. | amabaie | 9 days | Save Money with 31 Medical Home Remedies You Should Know |
| The whole point of buying used is to save money, so this is good news. | amabaie | 9 days | Good news for used car buyers |
| Can you believe it? | amabaie | 9 days | Bank Fees Beyond The Grave |
| I need you to come over and do some of these for me. | BudgetsAreSexy | 9 days | 72 Ways to Save Money on Electricity Without Spending a Cent |
| My favorite present would be if, instead of giving me something that adds to the clutter in my house, someone would back up a truck and say, "Load 'er up!" | amabaie | 9 days | The Anti-Stuff Holiday Gift Guide * Get Rich Slowly |
| Those are all good habits that if used will help any person not get into debt with their credit cards. True, it takes some time and effort but it's all worth it especially if you factor in what's in store for you when you get into an unmanageable debt scenario. Which is better, get hurt a little now or get hurt a lot later on? Evelyn Guzman http://www.debtchallenges.com (If you want to visit, just click but if it doesn’t work, copy and paste it onto your browser.) | randeg | 9 days | 9 Habits Of The Debt-Free Credit Card User |
| Well, in a way not surprising just because all sectors have climbed so far in 2009 relative to 2008. Brazil is certainly tearing it up. | MoneyEnergy | 9 days | Emerging Markets ETF List 2009 YTD Returns are Shocking |
| This is a pretty good article.. very informative | scopium | 10 days | Hard Money Loans Filling The Void |
| "stop the blame game" - SO VERY TRUE.... | toddriffic | 10 days | 7 Tips To Help You Stop Fighting Over Money |
| Actuallt, Garth Brooks had a sensible, measured plan to inherit big money... "Big Money" My older brother Tommy Was a lineman Rest his soul His job was hanging hot wires On them high-line power poles Every morning bright and early He'd climb way up in the sky And I never understood it So one day I asked him why [CHORUS:] He said it pays big money And man I'm into that It pays big money If you're willing to Take a chance Let me tell you something sonny You ought to see My bank account It pays big money but He sure can't spend it now Well, my late Uncle Charlie Was this demolition hound He'd travel across the country Blowing buildings to the ground He carried a case of dynamite Seemed everywhere he went He smoked them big long cigars And he'd wink at you and grin [Repeat chorus] Well now the Moral of this story boys Is don't go Getting yourself killed Be kind to your rich relatives They just might Put you in their will That pays big money and We're all into that It pays big money and Big money's where it's at Let me tell you something sonny You ought to see my bank account It pays big money and We're rolling in it now It pays big money Having foolish kin It pays big money Guess I owe it all to them Let me show you something sonny Take a look at this bank account It pays big money Let's all spend some of it now | amabaie | 10 days | How To Get Rich Quick |
| Sorry Joe, you might have to work and invest your money wisely in the mean time. | TheStudenomist | 10 days | How To Get Rich Quick |
| I'd like to inherit some money. Any advice on how to do that? Of course, the people leaving me money are people I love, and I don't want to do them any harm. So that's a tough one. | JoeTaxpayer | 10 days | How To Get Rich Quick |
| lol You know the English language has been geekified when we call them "cleaning hacks". | amabaie | 10 days | Creative Cleaning with Everyday Products * Get Rich Slowly |
| Just 10? | amabaie | 10 days | 10 Reasons Why the Economic Stimulus Package was a Complete Failure |
| everyone is dishonest to a certain point. the rich just have more to be dishonest with. Someone flipping burgers gets a tip and does not report it on taxes. A rich person gets a rolex as a gift from a person selling a product that the rich guy will spend a million dollars on. He does not report the rolex on taxes. just more to be dishonest with. | richmcl | 11 days | Are Wealthy People Dishonest? |
| These are great warning signs that hopefully those who need them will heed the wise recommendations that come with each. The author said it the way it should, so people who need to, will take notice. This is the only way that people can get started with their strategies to get out of debt. Evelyn Guzman http://www.debtchallenges.com (If you want to visit, just click but if it doesn’t work, copy and paste it onto your browser.) | randeg | 11 days | 5 Warning Signs That You've Got Way Too Much Debt |
| Freedom and options are the goals that money best enables. Those are both good goals; money is one of the enablers, not the or one of the goals. | amabaie | 11 days | Four Reasons Why Wealth Should NOT Be Your Financial Goal |
| I'm planning to win the lottery. How can I best do this...without wasting money on lottery tickets, of course? | amabaie | 11 days | How To Get Rich Quick |
| Mmm. Turkey. | bille | 11 days | Frugal Feast - Saving money on Thanksgiving Day |
| I like #12 -- “Don’t wait for someone to take you under their wing. Find a good wing and climb up underneath it.” – Frank C. Bucaro. Reminds me of momentum investing! | Matt-SF | 12 days | The Best of Procrastination Quotes – Share Yours |
| Love when this comes out! | BudgetsAreSexy | 12 days | Wealthy Blogger List – November Updates |
| I'm with you guys, I don't care for the name, "Schwab" because all I can think about is that tire dealer ;) | pffirewall | 12 days | Charles Schwab Might be the Best Choice for Passive Investors |
| Complaining is what we do best! Why else would we have a dozen news channels devoted to talking about mindless dribble. :) | Matt-SF | 12 days | Charles Schwab Might be the Best Choice for Passive Investors |
| ME - We are Americans, we can find something to complain about no matter what! | JoeTaxpayer | 12 days | Charles Schwab Might be the Best Choice for Passive Investors |
| free ETF trades? Amazing. No US investor should be complaining!:) | MoneyEnergy | 12 days | Charles Schwab Might be the Best Choice for Passive Investors |
| I'm realizing just how significant those little expenses can be lately. I often grab a take-away coffee from a local cafe on the way back to my apartment. At $3 a piece, this is adding up to as much as $60 per month, or more scarily, over $700 per year! Time to get a caffetiere I think! | joelp | 13 days | » Big Impact of Small Everyday Spending |
| This was a great post about rejection and how to turn that negative energy into positive energy. | wangarific | 13 days | You’re Rejected! How I Use Rejection To Motivate Me Every Single Day |
| Half of these are probably fake - people just having fun. And sorry, they have nothing to do with finance, so this item shouldn't be on Tipd. | ultrageek | 14 days | 10 Worst YahooAnswer Health Questions of All Time - Compare Health Insurance Quotes |
| Good tips for avoiding holiday financial stress | fthead9 | 14 days | Intentional Spending This Holiday Season |
| Love the idea. As an aside, goldmoney.com is allowing people to send each-other "gold-grams." | briang | 15 days | Could a Digital, Peer-to-Peer Currency Replace Your National Currency? |
| and they say there are no stupid questions... | danielle | 15 days | 10 Worst YahooAnswer Health Questions of All Time - Compare Health Insurance Quotes |
| First new thing in a long time. Yes I know stocks have seasonal patterns, but they change all the time shifting here and there. The premise is that there's a different seasonal pattern due to a different underlying economic enviornment that affects the company's economic/fiscal cycle/results. That changes the seasonal pattern, but if you know the environment you can use the relevant patternt op trade or invest ... or at the minimum you should be aware of the deconstructed findings. Fundamentally makes sense. | stockpickr | 15 days | Economic Market Timing |
| someone told me that guy's a pimp? | BudgetsAreSexy | 15 days | Budgets are Sexy: Would You Rather... Sex vs. Money edition. |
| #3. “No-load” does not mean “free.” No mutual fund is free. Ever. Not true, at least not in Canada. Maybe it's different here in the U.S.? While some Canadian mutual funds have penalties for early withdrawal, there have been "free" mutual funds (i.e., no fees apart from the cost of Units) | ultrageek | 15 days | 11 Tips for Selecting Mutual Funds |
| Definitely cheap. Don't invite them for dinner, or don't invite them if you can't / won't feed them | ultrageek | 15 days | Frugal or cheap? Serving leftovers to guests |
| So maybe doctors shouldn't bother with the Hippocratic Oath, either. Health care may not be a right the way you're defining things, but any society claiming to be civilized should strive to MAKE it a right. | ultrageek | 15 days | In the Attempt to Take Control of the Healthcare Industry, Politicians Try to Blur the Lines |
| Haha, and Vinny coming over to break yor t'umbs | MSNMoneyStories | 16 days | The U.S. has the 'most debtor-friendly system in the world' |
| ...wow. | tamar | 16 days | Insurance You Can Do Without – Life Insurance For Your Child |
| you're welcome. :) | moneymatters | 16 days | The Great Big List Of 75 Budgeting Tools, Finance Softwares And Iphone Money Apps |
| "Become Debt Free" used to be so easy. Marriage and kids are never free of anything..it just gets too carazy. | amabaie | 16 days | 7 Tips to Achieve Retirement Success |
| Bummer. What can we do to sink it? | amabaie | 16 days | Canadian Dollar Remain High Before Jobs Report — Forex News |
| This is great. Thanks for putting it together. | tamar | 16 days | The Great Big List Of 75 Budgeting Tools, Finance Softwares And Iphone Money Apps |
| Kara's a new writer for us...really like her style. | bille | 16 days | Mortgage Refinance: Play the HARP Program |
| Incredible stories... | tipman | 16 days | Paying Off Your Credit Cards Can Wreck Your Credit |
| Sure, sorry about that. Unfortunately it's a complicated topic that is hard to generalize about accurately, though of course I was just trying to up there in my original post. :) Basically, term life of a long enough term will collect enough premiums that it gets caught by rules designed to stop certain predatory whole-life practices. While these rules were originally intended to (and did) limit whole-life products in ways that protected consumers against their own poor decisions, they also by default marked out the limits of term products. Insurers are perfectly happy with that part of the result, because whole life products have a much greater opportunity for profit. Opening it back up for term would mean that term products could compete with whole-life products across the board. There is a very longstanding thread here ( http://www.americaninsurancebroker.com/showthread.php?t=843 ) that has turned into a good resource for non-insurance types like us to get a handle on the issues involved. In it, a couple of insurance insiders/actuaries are explaining to a broker why there are significant holes in what pure term products can cover under current regulations. Two posts of note that you might want to start with: http://www.americaninsurancebroker.com/showthread.php?t=843&page=4#32 http://www.americaninsurancebroker.com/showthread.php?t=843&page=3#25 The latter of those discusses the negative impact of out-of-date reserve regulations as well. For two sides of the non-forfeiture issue, check out this article defending non-forfeiture laws in general, though calling for needed reform: http://www.thefreelibrary.com/Don%27t+Forfeit+Nonforfeiture.%28Industry+Overview%29%28Statistical+Data...-a063126379 and this article recommending they be done away with: http://www.alantralife.com/news_rewritelaw.asp There are plenty of other issues at stake in this, as the articles reveal. But regardless of the regulators other concerns, all the research I have been able to do on this topic - though it's hard, as I said - points to the conclusion that the term product I would like to buy has been (un?)intentionally regulated out of existence despite being perfectly fair to consumers and an all-around smart, cheap purchase. As for why I would prefer to buy the product I describe on a pure insurance basis instead of slowly building up a self-sustaining fund, it is simply cheaper. To attain a self-sustaining fund over one or even a few generations would be much more expensive. Besides, the policy I describe would already be guaranteeing that my children (and their children, etc.) could be insured for an affordable amount. I don't see any benefit to guaranteeing that they are insured for *free* at some point. The point is to do for them what they can't do for themselves: secure a guarantee of coverage before they might be knocked out of the cheap pool. Not to do for them what they can certainly do for themselves: find $50/mo to maintain it. I'm even guaranteeing that the premiums will never increase in terms of relative buying power. There is this intuition about life insurance that says if you outlive the benefit term, you "didn't get anything for your money". Rational buyers realize this intuition is wrong. Of course you got something: you successfully hedged your risks for the period of time that they were worrisome to you. I want to pay the least amount of money I can to accomplish that goal, because I have other things to do with the money I'm not spending on insurance. | furball4 | 16 days | Insurance You Can Do Without – Life Insurance For Your Child |
| My #1 rule is: Never go grocery shopping hungry! You will buy way more than what you actually planned on buying if you enter the store hungry. I also spend time on collecting coupons and it saves me usually $8-$10. That's not the world but 10 x 10 is a hundred too. Going through coupons isn't a hassle to me. I take it more as a fun. | verdecove | 16 days | Grocery Shopping on a Budget |
| Thank you Ayn Rand for that unbiased post. | erranttv | 17 days | Obamacare: The Right To Wait in a Long Line |
| Brass knuckles work in America, too. | amabaie | 17 days | The U.S. has the 'most debtor-friendly system in the world' |
| BofA canceled one of my cards bc of non-use. i was able to get it reinstated, but realized then that it's just business to them. they're not here to "help us" build credit. they operate to take interest off of money we borrow. that's it. and i wasn't contributing to that. i now leave a minimal balance on my cards and do not pay them off in full... | danielle | 17 days | Paying Off Your Credit Cards Can Wreck Your Credit |
| One of the most unfortunate aspects of web design is the fact that it is way over priced. Web designers are known to charge outrageous fees for their services. However, today's market is rapidly changing with the introduction of 'Build Your Own Website' sites. | durstc | 17 days | Austin Web Designers |
| Great post Kyle. Sorry I missed it yesterday. I didn't know the issue with that policy was still going on. | Clarifinancial | 17 days | Drawing the Line Between Family and Financial Advisor |
| Great article! | prsync | 17 days | Personal Money Management Help |
| McDonald’s new Arabica coffee is great! | tipman | 17 days | Carnival of Money Hackers #89 – My Favourite Coffee Edition |
| Through online we can find quality rental properties and real estate services in the US and Canada. It is free, easy-to-use search feature, apartment finders can look for houses, condo's, apartments, commercial office space and other properties for rent or lease in their local area and abroad with great ease and accuracy. Property owners can also choose from hundreds of listed licensed realtors and property managers. | rentalicon | 17 days | REITS Vs Rental Properties - Amateur Asset Allocator |
| Okay, #4 seems a bit odd. If you don't have credit-worthiness, how do you get a credit card? I'd really like to know because as I've just moved to California this year (from Canada), I apparently have NO credit status in the U.S. I couldn't even get a phone plan let alone a credit card. | ultrageek | 17 days | Credit Card Lighthouse: 5 Quick and Easy Ways to Establish Your Credit Worthiness |
| Why am I not surprised that this is somewhere in the UK? Almost seems like there's a Monty Python skit in there somewhere: "I'm not dead yet. It's only a flesh wound." | ultrageek | 17 days | “Shocking” regulations for dying tenants in the Charnwood Borough Council |
| But that doesn't stop Canadian companies from concocting ways to get rid of employees they don't want. | ultrageek | 17 days | Wrongful Termination Gives You Job Security: Think Again, An Employer Can Legally Fire You At-Will |
