wrapping christmas gift

Now that the holiday shopping season is wrapping up, I’m happy to report I’m finally done. Done trying to come with up practical gifts my kids will like. Done with the impossible quest to find a gift my parents or in-laws actually need. Done buying gift cards for my nieces and nephews, my kid’s teachers, and their bus driver. Yep, I’ve bought for family members, educators, and even strangers this year, yet I’m leaving one very important person off my …

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Buying a life insurance policy will protect your dependents if you die, but it won’t provide a payout if you’re the victim of an accident that leaves you dismembered and physically impaired. With an accidental death and dismemberment policy (AD&D), you or your beneficiaries will be paid a predetermined amount if you have a fatal accident or an accident that causes the loss of limbs, speech, eyesight, or hearing, says Ashley M. Hunter, an insurance underwriter and president of HM …

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Jennifer writes in with a beautiful question: I am a married 24 year old Christian woman. I attended college at a Christian school majoring in marketing, fell in love there, and got married shortly after college. I worked for a year immediately after college, but my husband and I agree that I would be a stay at home mom when we had a child and we started trying immediately after getting married. I’m now a stay-at-home mom with a one …

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Who among us hasn’t at least flirted with the dream of owning a restaurant at some point? If you’re beyond daydreaming and you’ve decided to enter the highly competitive restaurant industry, one of your most important tasks will be securing adequate financing. Opening a restaurant is challenging, especially for people who are new to the business. About 60% of new restaurants fail within a year of opening, according to CNBC, and almost 80% go out of business by their fifth year. …

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Countless articles and books and videos and classes have been created to talk about the power of positive thinking and positive visioning, some of them sensible and some of them pseudo-religious and fanciful. It’s easy to see why: positive visioning can be a very powerful tool for your financial life. However, it’s not infallible and it’s not the only type of visioning you should rely on. Before we dig in too deep, though, let’s step back and take a look …

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For many financial growth professionals, Roth IRAs are the most exciting play in the retirement savings game. It’s easy to understand why: tax-free growth and tax-free distribution. You put the money in after taxes, it grows tax-deferred, and comes out tax-free as long as you wait until you’re 59-1/2 years old. “If your goal is to save as much for retirement as possible, then it’s a slam dunk for the Roth IRA,” says Jeffrey Layhew, president and wealth advisor at …

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“31 Days to Financial Independence” is an ongoing series that appears every Thursday on The Simple Dollar. You might want to start this series from the beginning! Last time, we finished up our deep look at the average American family budget, going through each category and examining how one could trim the cost of typical expenses in that category. Here’s the “average American family budget” that we’re looking at, along with links back to the earlier entries on those specific …

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Were you one of those kids who always followed directions on classroom activities? If so, you probably had an advantage when you started your career, because standing out from the pack may be as simple as paying attention to the details as you submit your job application. While there’s little hard data on the subject, it appears a startling number of job seekers don’t follow basic directions when applying for a job: The human resource professionals I spoke with estimated that …

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By Chris Brantner With the addition of DirecTV Now, the satellite TV company’s new entry into streaming television, there’s yet another cord-cutting option on the market, making it easier to cut cable TV and save some much needed money. But can DirecTV Now actually save you money in the long run? Or is this just another way for Big Cable to trick you into handing over your hard-earned money? First let’s take a look at the positives: For a limited time, you …

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I’ve recently been enjoying The One Thing, a very thoughtful time and goal management book by Gary Keller and Jay Papasan. While I came away from the book with several very good ideas for time and goal management, there was one quote on page 142 that just stood out to me like a beacon of light: “[F]inancially wealthy people are those who have enough money coming in without having to work to finance their purpose in life. Now, please realize …

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