July 2007

Dreamers and planners

07.31.2007 by Bob 3 comments

“There are dreamers and there are planners; the planners make their dreams come true.”
- Edwin Louis Cole

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Zecco has free stock trades and no minimum balance

07.29.2007 by Bob 2 comments

What is the catch? For most people there isn’t one. They give you up to 10 free stock trades a day or 40 per month. Anything over that is $3.50 per trade (which is still a steal). I found out that they make the majority of their revenue from options trading and interest on uninvested balances.

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Walk with the wise

07.26.2007 by Bob 1 comment

Obviously, this isn’t an exact figure, but I think the point is a valid one that extends way beyond income to many areas of our lives. The truth is that we are affected by those around us. By putting positive influences in our lives, we will begin to change in that direction.

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Would you do anything for money?

07.24.2007 by Bob 3 comments

“He that is of the opinion money will do everything may well be suspected of doing everything for money.” -Benjamin Franklin

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How to budget with the envelope system

07.23.2007 by Bob 22 comments

This article shows how to budget with the envelope system. The envelope system is very basic, but generally a very successful way to budget. It is a bit primitive in our technologically advanced society. But most Americans are in debt up to their eyeballs, largely due to the fact that technology has made it very easy to go in debt. So, if primitive works, why not do it?

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Why everyone needs a balance sheet

07.22.2007 by Bob 5 comments

Click here to download my personal balance sheet (Excel). The simple personal finance definition of this would be: Assets – Liabilities = Net Worth | It probably wouldn’t take you more than an hour to get it set up in an excel spreadsheet, and even less to update it every year.

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Shopping online

07.19.2007 by Bob 2 comments

But, recently a couple transactions are causing me to doubt the online shopping world. One was an ebay purchase to buy a set of speakers, which was from a seller with hundreds of transactions and a 100% positive feedback score. The other was a memory stick for my PC from newegg.com.

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What is a CD?

07.17.2007 by Bob 4 comments

A friend of mine recently asked me what a CD is, so I thought I would spell it out here as well. Other than a wonderful alternative to cassette tapes, a certificate of deposit (CD) is an agreement with someone (normally a bank) to give them X amount of dollars for Y amount of time.

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How to go out to dinner for half price

07.16.2007 by Bob 3 comments

Everyone knows that it is a lot cheaper to eat at home than it is to go out. But, I like to go out to eat and I like to try new restaurants. Well, I really like going out to dinner for half price.

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What is bill pay?

07.15.2007 by Bob 0 comments

Bill Pay[/tag] is a service offered by just about every bank or credit union under the sun. It does just what the name implies; it allows you to pay your bills via your bank online.
Your bank foots the bill for the stamps and sends your payment from your checking account to whatever address you specify.

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Thermostats can be deceived…

07.11.2007 by Bob 1 comment

into thinking that it is actually warmer in the house than it actually is. In order to prevent this keep lamps, candles, televisions and other heat producing electronics away from the thermostat.

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Phishing scam alert!

07.10.2007 by Bob 3 comments

Phishing is when a scammer sets up a phony website using legitimate company logos and tries to direct you to that site usually via email. They normally will send you an email with a link appearing to go to the legitimate site, but it will actually lead you to their phony site.

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4 Tips to sticking with a budget

07.09.2007 by Bob 0 comments

These are my 4 simple tips to stick with a budget… Eliminate temptations – Recovering alcoholics should not hang out in bars. The temptation is too strong, it is just foolish. The same applies to someone who is trying to break the habit of overspending, you should not hang out at the mall, Home Depot, or wherever you get tempted.

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