Friday, June 29, 2012

Summer Fun - Inexpensive Things to Do with Kids

From Frugal Dad

School is out and kids are free to do what they want for the summer. Unfortunately, it doesn’t take long for the kids to get tired with playing in the yard and soon parents are hearing about how bored the kids are.

How can parents keep kids entertained when the family is struggling with a tight budget? The ideas listed are free or low-cost and are sure to keep kids occupied and happy while school is out. Read the entire article.

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5 New Ways To Book Travel

Every year travel costs seem to inch upward. These days, your pre-trip investigations need to be broader and smarter than ever. Below are a few new vacation booking approaches that might save not only money, but also time.
See Also: How to avoid stomach illness while traveling.
glass-enclosed miniature tropical island - new ways to book your vacation

A travel agent is an investment that can make vacation planning easier. — Photo by Jeffrey Coolidge/Getty Images

1: Research More Thoroughly

Start with tourist board sites, which sometimes have great airfare, accommodation, or activity deals. They also note which airlines ... Read the entire article.

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Tax Refund Scams - ID Theft, Fraudulent Returns, IRS

Before assuming it’s a technical glitch or red-tape snag, consider a growing possibility: You’ve been hit by tax ID theft.



Safeguard your personal data so crooks can't steal your tax refund.


That’s when a fraudulent return is filed electronically under your identity so crooks can collect your refund. All they need is your name, Social Security number and ... Read the entire article.

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Friday, June 22, 2012

Top Complaints About Daily Deal Sites

Groupon and rivals like LivingSocial, Google Offers, and other daily deal sites that broker goods and services at deep initial discounts aim to help businesses get new customers in the door, again and again. It's a fairly straightforward formula that works on many levels; just look at the rivals that have cropped up to challenge early leader Groupon.
But the appeal of the deal is clearly wearing off for some consumers. In my experience, sales staff increasingly let their annoyance at handling the conditional coupons slip out. Ever notice the changed ... Read the entire article.

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Spending Your Tax Refund the Right Way

It’s that time of year again and I’m not talking about spring. Its tax season and hopefully you are getting a nice surprise this year from Uncle Sam. But, don’t go blow it on that nice new 3D LED TV you’ve been lusting after. Take some time to plan things out and spend that refund wisely. Check out these five tips to manage that windfall of cash before it’s all gone:

Extra money in your pocket seems to burn a hole in it and its gone before you know it. Take some time to plan out how you are going to spend that money so that you can spend it on ... Read the entire article.

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The Big Decision: When To Claim Social Security

Mark J. Eisner retired at 59 from a job as an Exxon information technology manager and at 69 from a full-time position running a master's degree program in operations research at Cornell University. His plan was to wait until 70 to apply for Social Security so as to earn the biggest possible benefit.
His reasoning: It was worth waiting since that bigger benefit would continue to be paid and adjusted upward for inflation annually, so long as either he or his wife Paula was alive. "It's not only my longevity that matters, it's hers, " he observes. Her father died earlier this year at 101.

But several months before his 70th birthday, Eisner learned of a little-known Social Security quirk ... Read the entire article.
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Friday, June 15, 2012

The 10 Best Part-Time Jobs for Retirees

If you're at or near retirement, you may find that a part-time or occasional job would make a big difference to your budget. Beyond paper routes and baby-sitting, how can you make a few extra bucks on the side? Here are some good options you might not have considered.
1. Consult or freelance

Many consulting companies need people to come in on a project basis, says Dick Dawson, vice president of CareerCurve, who coaches many workers over age 55. "Explore the company -- write to the person who heads up the unit you would want to work in." Other organizations, especially those that are downsizing, look for freelancers to fill ... Read the entire article.

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Recycling Your Trash - Can Reveal Waste

Archeologists say that digging through a civilization's garbage can reveal more about peoples' lifestyles than just about anything else. Take a minute to look through your trash -- items you're recycling as well as sending to the landfill -- and learn how you can save money and the Earth's resources at the same time.

1. Dryer Lint

Dryer lint represents the life of your expensive clothing being beaten and cooked out of them by an ... Read the entire article.

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EEOC Broadens Job Protections for Older Americans, Employees - Age Discrimination, Equal Employment

Thanks to newly published federal regulations, many employers are likely to take a new look at company policies and layoff decisions to make sure that they don't discriminate against older employees.
See also: AARP's age discrimination fact sheet.

The regulation, issued by the Equal Employment Opportunity Commission (EEOC) and championed by AARP, focuses on a form of age discrimination known as disparate impact. It involves employer practices that, while not overtly discriminatory, have a disproportionate impact on older workers ... Read the entire article.

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Friday, June 8, 2012

The Not-So-Empty Nest: Coping with Boomerang Kids

Nearly 25 percent of adults between ages 18 and 34—nearly 18 million—live with their parents, according to the U.S. Census Bureau. Adult children who return to living with their parents after a period of being on their own are referred to as “boomerang kids.”
Massive student loans, crippling credit card debt, divorce and a poor economy are just a few of the reasons propelling these grown children back home.

Moving back home can be stressful or embarrassing for an adult child—it can take a significant toll on parents as ... Read the entire article.

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Leave a Fair Will for Your Children

Are you planning to leave one of your adult children less (or more) money in your will? Bad idea, was the consensus of 49 financial planners who offered me their thoughts on this delicate and emotional issue. They agreed: Equal inheritances help maintain family harmony when you're gone. Planner Martin Shenkman of Paramus, N.J., put it succinctly: "Kids equate money and love, no matter what you say."

There might be good reasons to discriminate. If so, they should be obvious and something that all ... Read the entire article.

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Should you tap your home's equity? 7 ways to know

For retirees looking to tap their home’s equity, there’s a new alternative to reverse mortgages that provides cash for a stake in the future appreciation of your home. Use these steps to find out if it’s right for you.
Senior homeowners sometimes need to tap the value of their house to pay sudden expenses. Most ways to access home equity involve taking on debt. But several financial institutions offer a new alternative to often pricey reverse mortgages or other home loans.
EquityKey, a San Diego company that is a division of Belgium-based KBC Bank, will provide a cash advance on a house in exchange for the right to share in the home's future appreciation. Single property owners ages 65 to 85 can receive 10% to 15% ... Read the entire article.

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Friday, June 1, 2012

50% Off Safe Cleaning Products While Supplies Last



Nature's Sunshine Products

Announcing Nature's Fresh Inventory Clearance!
June 1 - while supplies last

We launched the Nature's Fresh line in 2010 and created some wonderful, safe, effective formulations of green home cleaning products. Unfortunately, product sales do not meet minimum batch requirements, so this line will be discontinued when supplies run out.

The Nature's Fresh Enzyme Spray will NOT be discontinued and is not on sale.

This is your opportunity to save 50% on NSP Nature's Fresh products while supplies last. Stock up on all-natural, biodegradable home cleaning products.


IMPORTANT! 
Order these products with the links below.

Stock No.
Product
Discounted Price

Suggested Retail
1564-8
$2.98

$8.95
1565-4
$3.25

$9.75
1566-6
Dish Soap (28 fl. oz.)
$3.25

$9.75
1567-7
Dishwasher Gel (40 fl. oz.)
$3.98

$11.95
1563-2
Fabric Brightener (3.2 lbs.)
$7.48

$22.45
1561-5
Laundry Soap (50 fl. oz.)
$5.48

$16.45
1568-3
$2.48

$7.45
1545-5
Laundry Soap Sample (4 fl. oz.)
$1.00

$3.00


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Six Ways We Save Money on Fresh Produce

From The Simple Dollar

Fresh fruits and vegetables are now the largest part of our diet, and with that we’ve had to really focus on techniques for minimizing cost and maximizing value when it comes to produce.

As I sat down to write this article, I started off with a long list of specific tips before eventually realizing that many of them boiled down to variations on the exact same tactic. In the end, I found six useful and flexible tactics that we use constantly to trim our produce budget. Read the entire article.

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Top Ten Things to Know if You're Interested in a Reverse Mortgage

The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program, which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements and more. You can receive additional free information about reverse mortgages in general by contacting the National Council on Aging at (800) 510-0301 or downloading their free booklet, "Use Your Home to Stay at Home," a guide for older homeowners who need help now. It is smart to know more about reverse mortgages, and decide if one is right for you!
1. What is a reverse mortgage?

A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that you built up over years of making mortgage payments can be paid to you. However, unlike a traditional home equity loan or second mortgage, HECM borrowers do not have to repay ... Read the entire article.

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Avoiding Contract Pitfalls - Tips to Understanding the Fine Print

It pays to recognize contract terms that can cause major harm.
Beware of the fine print. You've heard that advice before, but do you really know what to be looking out for?

Companies can use lots of confusing language to limit your options and to angle agreements in their favor. Here are the four most egregious things to smoke out before you sign:

Many consumer agreements include a "no guarantee of suitability" clause in which the company admits that its product or service may not work as ...  Read the entire article.

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"Simplicity of living, if deliberately chosen, implies a compassionate approach to life. It means that we are choosing to live our daily lives with some degree of conscious appreciation of the condition of the rest of the world." Duane Elgin

"Do what is good with your own hands, so that you might earn something to give to the needy." Ephesians 4:28