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How to Keep Santa on a Budget

Posted by on Dec 12, 2013 in Uncategorized | 0 comments

These tips will help you keep holiday spending under control. Well, duh. Hard to believe anyone needed a study to figure that out. This year has been particularly stressful because of the abbreviated three-week period between Thanksgiving and Christmas. I’m getting a bit anxious because two of my three children still have not checked in with their Christmas lists. Yes, I still ask my grown kids for wish lists. I’ve always thought lists are an effective holiday budgeting tool for the whole family. They help stressed-out parents stay organized and on task; they help kids learn to set priorities; and they help everyone keep from overspending. (And now that my kids are older and can include Web links to some of the things on their wish lists, it makes shopping a whole lot easier.) Americans seem to need all the...

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Holy wow, you can actually swim like Scrooge McDuck in this bank vault

Posted by on Dec 12, 2013 in Your Money | 0 comments

People of Earth, dreamers of the universe and possible alien organisms of the beyond: you can swim like Scrooge McDuck in a Swiss bank vault in real life. Like, literally swim in money. This is incredible. A bank safe swimming pool filled with 8 million Swiss coins is being auctioned off to the highest bidder who wants to fulfill every person’s childhood (and adult) dream of swimming in money. …   …read...

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3 Things You Need to Do Now to Buy a Home Next Year | Credit.com

Posted by on Dec 11, 2013 in Your Money | 0 comments

With big changes coming to the mortgage industry at the beginning of next year, many consumers will want to evaluate their home-buying plans. Regulations drafted by the Consumer Financial Protection Bureau will change the definition of a qualified mortgage for any loan applications received on and after Jan. 10, and many consumers may find themselves unable to meet the new requirements. Qualified mortgages are loans that meet certain standards designed to ensure that borrowers are highly likely to be able to pay back the amount in question. Facing this challenge, it’s up to the hopeful homeowner to improve their chances of mortgage approval by doing the necessary research, improving their credit profiles and meeting the qualified mortgage standards well in advance of filling out loan applications. It’s important to meet qualified mortgage standards because government-sponsored enterprises (GSEs) like Fannie Mae and Freddie...

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7 Smart Ways to Budget for Holiday Gifts – USNews.com

Posted by on Dec 2, 2013 in Uncategorized | 0 comments

The average holiday shopper will spend $737.95 on gifts, decor, greeting cards and other holiday items this year, according to the latest data from the National Retail Federation. If you’re worried about having enough saved up for the holidays, use these seven tips to budget for holiday gifts: 1. Take a close look at your discretionary income. Your holiday budget will depend on how much extra money you have after your monthly expenses are covered. If your income has changed recently or if you are expecting a bonus before the year’s end, review your budget closely to determine exactly how much you can afford to spend on extras this season. Read...

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10 Savvy Tax Moves to Make Before Jan. 1st – Yahoo Finance

Posted by on Nov 28, 2013 in Your Money | 0 comments

April 15 is the target date for taxes, but to ensure that you pay the Internal Revenue Service the least possible amount on that date, you need to make some tax moves before the tax year ends. The good news this year is that the federal tax laws are in place, unlike at the end of 2012, when Congress was still fighting over legislation. The bad news is that if you earn a lot of money, you could face some new taxes. The best news, regardless of your income level, is that you still have time — until Dec. 31 — to reduce your tax bill. Some tax moves will take a little planning. Others are very easy to accomplish. But all are worth checking out to see if they can reduce your tax bill. Following are 10 year-end...

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