Posted 1 day 21 hours ago by Xin Lu
It is currently a buyer's market for real estate in most of the United States and there are many ways a buyer could negotiate for a deal beyond getting a great price. Here are some of the concessions sellers are willing to make and some ideas for buyers at the negotiations table.
Posted 1 week 19 hours ago by Xin Lu
Most of us probably have sold a few bottles and cans and got a couple dollars, but could you believe that some people have made millions or even billions of dollars from trash? Here are some stories of these innovative and garbage loving entrepreneurs.
Posted 2 weeks 21 hours ago by Xin Lu
A while ago an article on Wise Bread talked about how complaining via a letter works much more effectively than complaining with phone calls. This made me think about all the other ways good writing skills could be financially beneficial to a person. Here is a list of ways good writing skills could save and earn money for you.
Posted 3 weeks 2 days ago by Xin Lu
My friend recently had a baby girl and she told me about the costs for a normal pregnancy and delivery. To say the least I was a bit flabbergasted that over $25000 was charged for a delivery with no complications. Since I want to have children in the future, I did a bit of research into the financial preparations one can do for a baby's arrival. Hopefully this will be helpful for all the potential parents out there.
Posted 4 weeks 2 days ago by Xin Lu
You know who I am talking about. Most of us have that one brother who blows his paycheck in a day or a cousin that has no money for retirement. No family is perfect, and we all tend to have a few loved ones who are horrible at managing their money. So what should we do about it?
Posted 4 weeks 4 days ago by Paul Michael
This is a big hypothetical but I thought I’d throw the question out there and open it up to the wise readers of Wisebread. Let’s forget the other alternatives, there are amazing jobs with stellar pay, and way too many of the opposite. But if you had to choose between the two in the headline, which would it be?
Posted 5 weeks 2 days ago by Xin Lu
The unemployment rate in California surged to 6.9%, and that is equivalent to the rate in early 2003. Most news reports say that unemployment will probably go up a bit more in the short term as our economy deals with the credit crisis. Personally, I am seeing some friends and family deal with unemployment right now, and here are some tips that could be helpful for those in this situation.
Posted 6 weeks 2 days ago by Andrea Dickson
Forget Cosmo. Put away your Oprah Magazine. Turn off the microdermabrasion informercial and toss the $75 ultra-rich moisturizer. There are the cheap ways to look and feel beautiful that no one ever tells you about. Here are 7 of my favorites.
--Please note that article contains some adult subject matter--
Posted 6 weeks 3 days ago by Xin Lu
On July 24th, 2008, the Federal minimum wage in The United States will increase from $5.85 per hour to $6.55 per hour in accordance to the 2007 amendment to the Fair Labor Standards Act. This is a 70 cent or approximately 12% increase from last year. Are You getting a pay raise?
Posted 7 weeks 3 days ago by Xin Lu
Last week I wrote that ailing banks usually give the highest interest rates and mentioned the troubles of IndyMac. Last Friday, the FDIC has officially named IndyMac a failed bank and took control of its assets. With more than $30 billion in assets, the IndyMac Bank failure is the largest bank failure since the 1980s. So what is a customer supposed to do in such a situation?
Posted 7 weeks 5 days ago by Philip Brewer
You can choose how you want to live. If you choose to live simply, you gain a certain kind of freedom. In particular, you're free to choose to do the work that's the most satisfying, rather than the most lucrative. Choosing to live simply doesn't mean that you have to give up all the cool stuff you want. It means, rather, that you have to focus on a small number of wants--the ones that matter the most to you.
Posted 7 weeks 6 days ago by Xin Lu
On my previous article about working to death I found a pretty long comment by a woman named "Jen" who has a husband that works seven days a week to provide for his family. This long and detailed rant sparked several responses saying that Jen is ungrateful for what she has. The comments pointed out many of the non-financial riches Jen has that others would love to obtain. This exchange really made me reflect on how non-monetary things make us rich.
Posted 8 weeks 2 days ago by Xin Lu
Today the troubles of IndyMac bank was splashed in the headlines. Its stock has fallen to nearly $0 and depositors are making a run at closing their accounts. IndyMac has been consistently been paying one of the highest CD interest rates in the nation, and it is a prime example of a financially weak bank that offers high rates to attract new deposits.
Posted 9 weeks 2 days ago by Xin Lu
Today I received an email from American Express that advertised a program where you can earn rewards by paying your Indymac mortgages with an American Express credit card. I do not have a mortgage, but I read this email and wondered, why would anyone pay their mortgages with a credit card?
Posted 11 weeks 2 hours ago by Linsey Knerl
I know of parents who don’t ever discuss money with their kids. “They should be carefree at this age,” they claim. Money isn’t an appropriate topic for family conversation at these homes. But is this a cop-out for preparing kids for real life? And are they missing an opportunity to keep one another accountable to a single goal?
Posted 11 weeks 20 hours ago by Sarah Winfrey
Do your normal financial routines feel blah? Does saving not give you the same rush that it used to? Does investing feel overwhelming, dull, or uninteresting? Then maybe you're managing your money with your head and not with your heart. While the idea is counterintuitive to most frugal people, listening to your heart when it comes to your money can help you create financial routines that stick with you, even through the most drastic of life's changes.
Posted 11 weeks 1 day ago by Xin Lu
A commenter on Wise Bread wrote a Chinese proverb about marketing that reminded me that there are many Chinese proverbs about money and personal finance. Here are a few of the ones I hear quite often
Posted 12 weeks 3 days ago by Xin Lu
Recently, I read about a promotion from a home builder in San Diego where consumers could buy a 4000 square foot house for $1.6 million and get a smaller home by the developer valued at $400 thousand for free. This sounds like a fantastic deal, but I am always wary of anything labeled with "buy one get one free", and here is why.
Posted 13 weeks 1 hour ago by Xin Lu
Yesterday I read a news item that stated the House and Senate are considering another tax benefit for homebuyers and homebuilders. The idea the House is considering is basically giving a tax credit of $7500 to people who have not owned a home in three years. In the Senate, the version of the bill gives buyers up to $7000 for purchasing a foreclosed home. It sounds like free money, right?
Posted 13 weeks 2 days ago by Jabulani Leffall
Get Travel Insurance before you go anywhere. Have and not need it. No really trust me.
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| Posts | Cmts | |
|---|---|---|
| Andrea Dickson | 6 | 44 |
| Carrie Kirby | 3 | 7 |
| Julie Rains | 4 | 7 |
| Linsey Knerl | 13 | 37 |
| Lynn Truong | 5 | 2 |
| Mary Webber | 3 | 1 |
| Myscha Theriault | 8 | 45 |
| Nora Dunn | 8 | 1 |
| Paul Michael | 12 | 24 |
| Philip Brewer | 10 | 26 |
| Sarah Winfrey | 2 | 2 |
| Will Chen | 3 | 3 |
| Xin Lu | 7 | 16 |
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