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Belichick was Right (and Personal Finance Links) Do we have any football fans in the house? If you aren't a fan, just skip down to the links. If you are a fan, hopefully you caught the Patriots-Colts' "Rivalry of the Decade" game. Whenever these teams get together it's always comes down to the wire. As a Patriots......
Festive Link Love Carnivality #19 I've spent the past week researching and shopping for a new car. A mini-van to be exact. Out little Corolla is a great car but it's getting too small for our family of four these days. I'll post more about the process later on but let me tell you......

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3 Things To Remember About Roth IRAs

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March 15th, 2010 By: Richard

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There’s been a lot of talk about Roth IRAs this year. Some folks still aren’t sold on them – and of course no one particular investment vehicle is right for everyone.

But, for the right person, the Roth IRA is a great way to save some additional cash for retirement! Here’s three important things to remember about investing into Roth IRAs.

You Can Access Your Principal At Any Time

This is a huge advantage! Your contributions are available to you at any point in time regardless of age and regardless of how long the money has been in the account. Read more... (838 words, 11 images, estimated 3:21 mins reading time)

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Great Debates: Traditional vs. Roth IRAs Welcome once again to the little corner of the blog where we discuss some of the greatest arguments in the personal finance world.Â Today, we'll discuss which is better when planning for your retirement, a traditional IRA or a Roth IRA.Â (There are also traditional and Roth flavors of 401(k)s,......
Investing Rules of Thumb One of the biggest rules of thumb that you can keep in mind when it comes to investing is to look at three different variables in everything that you do. These three variables are liquidity, risk and returns. Liquidity is how fast or how easily you can convert an investment......

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Open A SEP IRA: Rules And Contribution Limits

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March 11th, 2010 By: Richard

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If you’re a self employed person or are looking at taking the plunge and becoming an entrepreneur, one thing you have to consider is how you will save for retirement. Since you won’t have the option of a 401k, there are several other retirement account type options that you will want to think about using. Among them are:

SEP IRA
SIMPLE Plan
Solo 401(k)
Keogh Plan

Today I want to look at what many consider one of the better options for tax deferred investing for self employed individuals, the SEP IRA Read more... (822 words, 11 images, estimated 3:17 mins reading time)

This is a preview of Open A SEP IRA: Rules And Contribution Limits. Read the full post (822 words, 11 images, estimated 3:17 mins reading time)

How to Get Inexpensive Health Insurance If You are Self Employed One of the single most expensive necessities that a self employed person has to provide for themselves and their families is health insurance.Â The options are not good for those who go it alone.Â But at least there are some options.Â Arming yourself with some information can help you keep......
Solo 401k Retirement Account for Self-Employed Income I previously blogged about the different self-employed retirement options. In that blog I decided a solo or individual 401k was the best option for my self-employed income. To sum it up, a solo 401k allows me to put away all of my self-employed income with the exception of the deduction......

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Some Photos From The Shangri-la Penthouse

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March 1st, 2010 By: Richard

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The Shangri-la is the tallest building in Vancouver. The first 15 floors are occupied by the five star Shangri-la Hotel. Above the 15th floor are 306 residential units, consisting of 234 general live-work homes on floors 16 to 43 and 66 private access residential units on floors 44-60 and two penthouses on floor 61 and 62.

Of the two penthouses in the Shanghri-la, Penthouse 1 was the one to buy. Penthouse 1 offers 5,875 square feet of unparalleled living at the top of Vancouver and features a private lap pool and hot tub, Boffi cabinetry, natural oak hardwood floors in a chevron patter throughout, a private internal elevator, upper and lower master bedroom suites and distributed audio and lighting control systems. It was offered for sale at $17.3 million and was recently sold to an anonymous buyer. Read more... (242 words, 19 images, estimated 58 secs reading time)

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A Hundred,000 Dust Mites In 1 Sq. Meter Of Carpet Leading allergists agree that wooden flooring are the proper choice for a healthy home. In keeping with the Yank Lung Association wooden flooring in your bedroom and other main living areas can drastically improve air quality. This is often not surprising when a large Yankee company that recycles recent carpet......
Establishing Remodel Cost: Home Remodeling Critical First Step Nothing ruins a fantastic remodel more quickly than exceeding the project budget. Why is this phenomenon so common in residential remodeling? Simple: Many homeowners struggle to establish a detailed budget at the appropriate time in the course of the project. Why is establishing remodel cost one of your most important......

Posted in Dot Com Lifestyle, Investing, Ramblings | No Comments »

How I Made $1,399.90 With My Visa Card

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February 24th, 2010 By: Richard

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Back in December of 2008, I wrote a post explaining why you should never live on cash. The post was met with a lot of comments saying I’m wrong and credit cards are bad because they are too easy to abuse. I say you’re just not a financially responsible person if you live on cash.

Paying With Cash Cost You Money Read more... (600 words, 11 images, estimated 2:24 mins reading time)

This is a preview of How I Made $1,399.90 With My Visa Card. Read the full post (600 words, 11 images, estimated 2:24 mins reading time)

Trendy Credit Card Practices Many Not Be Worth It As with most industries – change is going to come. Not all change is welcome however, especially when it comes to your finances, your personal protection, and your financial well-being. So when the credit card industry rolled out the following doozies, it should make you take pause and understand......
Ruin Your Credit Fast, pt1 Granted, there are a wide variety of different ways that you can ruin your credit over time, but do you want to know what the quickest and most dangerous ways are? Here are five ways that you can quickly and effectively destroy your credit. 1 - Break your budget. Sure......

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6 Advantages Of Automatic Saving And Investing

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February 10th, 2010 By: Richard

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What The Government Can Teach You About Personal Finances

When it comes to the government and money there are a lot of diverse opinions. No matter what you think about the government’s fiscal responsibility, one thing is for certain. Many Americans could learn at least one lesson from the government that will transform their personal finances.

What the Government Knows About Taxes

In the book, The Automatic Millionaire, David Bach spurs the question, How does the government always get their taxes? Read more... (731 words, 12 images, estimated 2:55 mins reading time)

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20 FREE THINGS YOU CAN DO TO PUT MONEY IN YOUR POCKET Although these tips are written for business owners, many of these tips can be used for everyday people as well to save and make money. They can be done immediately, and over the course of a month or a year, you will find more money in your bank account. 1)......
The Importance of Automatic Savings Automatic savings is quite possible the best thing that’s ever happened to the savings account. In the old days, you had to go to the bank and deposit money into your savings account every week or every month. It was way too easy to procrastinate and skip your regularly scheduled......

Posted in Investing, Saving, automatic, simplicity | No Comments »

2010 Roth IRA Conversion Rules

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January 25th, 2010 By: Richard

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Over the past week we’ve been writing quite a bit about retirement accounts, which ones are better for different situations, and talking about what the Roth IRA contribution limits are. Now I want to talk about another hot topic in retirement accounts, the 2010 Roth IRA conversion.

In case you haven’t heard all the buzz, this year marks a one time Roth IRA conversion event in which people can convert their traditional IRA’s, SEP IRA’s, Simple IRA’s, old 401k’s, old 403b’s into a tax free Roth IRA account. Because of the conversion event, waves of people are expected to take advantage this year and convert their traditional taxable investment accounts into tax free Roth IRA accounts. Read more... (828 words, 11 images, estimated 3:19 mins reading time)

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Year End Income Tax Guide (Part 1) Part of the hard truth we all have to accept includes death and taxes. Even Mr. ToughMoneyLove can take only such much hard truth so I choose not to write about death. That leaves taxes. This being December, it's time to think about last minute tax strategies for 2008 and......
Barclays Premier League Analysis December 28th 2009 [/caption] Good day everyone! Sorry for not posting earlier, and yesterday as well, but around the major holidays we have some in between ones, and it's kinda hard to do anything when you are not at home. I see that Tottenham and West Ham have started already so we will......

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Traditional And Roth IRA Contribution Limits And Phase Outs

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January 22nd, 2010 By: Richard

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A couple of months back the IRS released their 2010 Traditional and Roth IRA contribution limits. It’s important to keep an eye on those limits year to year if you’re contributing to one of these account types. As was expected the 2010 Traditional and Roth IRA contribution limits remain the same for the coming tax year.

2010 Traditional And Roth IRA Contribution Limits

The Traditional and Roth IRA contribution limits for the 2010 tax year are $5,000 for those under the age of 50. If you’re over 50 you have the option of making catch up contributions to your account, which brings your limit to $6,000. Read more... (573 words, 11 images, estimated 2:18 mins reading time)

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ATP World Tour: Robby Ginepri The $519,000 ATP World Tour 250 in Indianapolis, United States of America, running from the 19th of July, 2009 until the 26th of July, 2009 on hard court surfaces. More information can be obtained through http://www.atpworldtour.com. Results for Sunday, the 26th of July, 2009: Singles Final, R Ginepri of the......
Are Certificate of Deposits (CDs) worth it? I can't be the only one out there, but I can't grasp why people would do invest/purchase a Certificate of Deposit (CD). Â Specifically, I am focusing on the 1 year CD because anything shorter has terrible yields and anything longer poses too much of an interest rate risk for my......

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Lending Club Signup Bonus: Cash Bonus For New Investor Accounts Equals Free Money!

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December 9th, 2009 By: Richard

Category:

Peer To Peer Lending Is Legitimate

I first heard about Lending Club and the whole peer to peer lending movement earlier this year when other bloggers were constantly writing about the program. At the time I dismissed the whole concept because I was thinking that it was a high risk gamble where most of the borrowers were big credit risks, and couldn’t get another loan somewhere else. I figured that they would probably not end up re-paying the investors. The high returns had to come some relatively high risk as well, right? Read more... (696 words, 13 images, estimated 2:47 mins reading time)

This is a preview of Lending Club Signup Bonus: Cash Bonus For New Investor Accounts Equals Free Money!. Read the full post (696 words, 13 images, estimated 2:47 mins reading time)