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Seven Truths About Self-Employment

It’s three hours until closing time and you’re already counting down. Once the clock strikes 5 p.m., you are ready to race out that door and find comfort with your family – at least until tomorrow. Your morning meeting was beyond frustrating, your co-worker smacked her gum all day (again), and the entire day was …

Questions About Grills, Smoothies, Photos, Debt and More!

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Frugality and abusing charity 2. Gifts for groomsmen 3. Spending in response to debt 4. Unlimited photo storage with Prime 5. Dave Ramsey’s 12% returns 6. …

Categories: Reader Mailbag

Dealing With an Unexpected Financial Blow

It was the most bizarre sound I’ve ever heard. I was driving down the interstate with both of my babies strapped into their car seats. Jingle. Jangle. Metal-on-metal. Jingle again. There were so many sounds coming from my car that shouldn’t have been there. Luckily, by some miracle, I jangled all the way to the …

Your Taxpayer Bill of Rights

The majority of taxpayers have long held the belief that they have no rights before the IRS, according to IRS National Taxpayer Advocate Nina Olson. IRS surveys have confirmed this view, despite the fact that Congress has passed multiple bills over the years titled “Taxpayer Bill of Rights.” The Taxpayer Advocate Service, an independent office …

10 Controversial Investing Strategies

On television and in movies, investing in the stock market is often portrayed as a two-dimensional process where success is simply a matter of buying low and selling high. Of course, the essence of any type of investing is to sell what you have for more than it cost you. The question is how you …

Four Unexpected Places to Find Free Babysitting

When you’ve got young kids, going out for the evening — or even just making some time for yourself, like with a trip to the gym — can be expensive enough. And that’s before adding the cost of a babysitter. The average babysitter in the U.S. makes around $10 an hour, according to Care.com. That seems like fair pay …

Categories: Family, Home and Life

How to Retire Quickly

Over the last couple of years, Sarah and I have essentially been living on one salary. We’ve been investing every dime of my income (minus taxes and specific professional expenses) since late 2011 and living purely off of Sarah’s income. I like to think of it as if we’re saving 50% of our income. That …

Categories: Retirement

Small Business Saturday: Make Candy, Make People Happy

For a man who was once featured on the television show “America’s Funniest People” and spent years working as a sales manager for IBM, making and selling delicate chocolates for a living doesn’t necessarily seem like a natural fit. But really, what is the ideal profile for a chocolate maker? For San Diego’s Jerry Swain, …

How to Use a Line of Credit to Your Advantage

In times of financial hardship or emergency situations, you may need assistance in paying the bills and filling in the financial gaps. There are lots of funding options available, from credit cards to payday loans. But those generally come with a high price, and keep you in debt much longer than you’d like due to …

When Your Reasons Change

I look back on the days when Sarah and I were dating with fondness. We didn’t have much money then but we were eternally optimistic about the future. Our evenings were almost always free and we usually spent them together doing something fun. We didn’t worry about the future because we didn’t feel like we …

Categories: Getting Started

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