tag:blogger.com,1999:blog-72687279297388310Fri, 30 Aug 2024 06:01:43 +0000Saving MoneyTaxesGas Pricespersonal financeAsset AllocationEntertainmentEquitiesInvestingLoansMarket CycleMarket ExposureTraveling2010AirlinesCapital GainsCash for ClunkersCommutingCredit CardsCredit ScoresEconomyFreeHousingIRSInternet DealsInternet TaxesMBAMass TransitMint.comMonitoring CreditMoviesOnline CouponsPhoneReal EstateSavingsTeensTiresUtilitiesWelcomecarschildrencourt casesfinancial responsibilitygoldgovernmentkidslawportfolio managementprecious metalsreviewsilversoftwareteenagersvehiclesA "Money" Blog for the Average Joe - Ways to Save Money and Make Your Money Go Further For You!http://everymansmoney.blogspot.com/noreply@blogger.com (EveryMan)Blogger21125tag:blogger.com,1999:blog-72687279297388310.post-2648680914440184472Fri, 31 Dec 2010 17:41:00 +00002010-12-31T10:28:11.272-08:00childrenfinancial responsibilitykidspersonal financeSaving MoneyteenagersTeensLet's face it - you've got enough to handle with your teenager. The last thing you want to spend time on is money - especially when you may not be a shining example of personal financial responsibility.But the truth of the matter is this: the habits that your child develops now will greatly impact their future quality of life. For this reason, it's important to educate teens (and even http://everymansmoney.blogspot.com/2010/12/teaching-teens-about-money-finance-for.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-7169245885742490788Thu, 30 Dec 2010 15:42:00 +00002010-12-30T09:03:47.754-08:00Asset AllocationEquitiesgoldInvestingMarket CycleMarket Exposureportfolio managementprecious metalssilverGold and silver have long held man's interest captive. Long used as currency to facilitate the exchange of goods and services, the luster and mystique of these metals have also increased due to their recent popularity as an investment option.Maybe you've heard the radio commercials or seen the advertisements in the paper. Why all the fuss? Check out the charts below for the previous decade's http://everymansmoney.blogspot.com/2010/12/should-i-buy-gold-and-silver.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-8438145451206982752Wed, 19 May 2010 16:39:00 +00002010-05-19T10:11:40.279-07:00Mint.compersonal financereviewsoftwareA few years back, someone pointed me in the direction of Mint.com. While it was an interesting approach to managing my finances, it lacked the oomph that it needed to take over for my preferred weapon of choice (Microsoft Money). Water passed under the bridge and soon Mint.com became a small figment of suppressed memory. Enter: a random Facebook friend a few months ago that recommended I check http://everymansmoney.blogspot.com/2010/05/having-trouble-keep-track-of-finances.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-8612333963573747673Thu, 14 Jan 2010 21:48:00 +00002010-01-14T14:04:53.233-08:002010Capital Gainspersonal financeSaving MoneyTaxesYahoo! Finance has an interesting feature article on taxes for 2010. While it may seem odd to think about 2010 when you are just gathering together your W2's, receipts, and all sorts of other documents for 2009, it's always best for Everyman to be proactive.Some of the best on the list:- Buy a HomeNot only can first-time homebuyers grab an $8,000 tax credit, but now current homeowners who have http://everymansmoney.blogspot.com/2010/01/best-tax-moves-in-2010.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-7340100339364571351Tue, 12 Jan 2010 19:35:00 +00002010-01-12T11:49:31.839-08:00court casesIRSlawMBATaxesIn a story that should be encouraging to the Everyman out there, a Maryland woman has defied the odds and successfully challenged the IRS. The topic? Tuition for her M.B.A.Why should you care? First, there is the obvious reason in that it may make it easier for you to deduct your own education expenses. However, I think it is also a step in the right direction for the empowerment of the http://everymansmoney.blogspot.com/2010/01/woman-takes-on-irs-and-wins.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-1120253249010410752Mon, 23 Nov 2009 19:31:00 +00002009-11-23T11:48:58.701-08:00Internet TaxesSaving MoneyTaxesThere is an interesting article on the WSJ site today touching on the topic of whether or not online gambling winnings are taxable (the answer appears to be yes - go figure...), as well as the rules for deducting your losses (MUCH more vague). If you want to read more, you can check out the article here (subscription may be required). This leads to my question - another online tax question - http://everymansmoney.blogspot.com/2009/11/taxes-on-internet.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-7568462858803101563Thu, 06 Aug 2009 18:58:00 +00002009-08-06T12:22:23.848-07:00carsCash for ClunkersgovernmentLoansvehiclesOkay, everymen (and everywomen), it's time for a thought about government intervention:So our spend-and-tax federal government has decided to continue to offer the "Cash for Clunkers" program, which effectively provides up to $4500 to those who will turn in their less-efficient vehicle and purchase a new, more fuel-efficient vehicle. Don't fall into this trap! Unless you can afford to go and payhttp://everymansmoney.blogspot.com/2009/08/cash-for-clunkers-not-good-idea.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-8392800471944670673Mon, 30 Mar 2009 16:57:00 +00002009-03-30T10:08:04.866-07:00Asset AllocationEquitiesHousingMarket CycleMarket ExposureSavingsI have to comment on this article, found on CNN's Personal Finance site. The article talks about a "young" couple (38 and 41) that have recently married and are looking for guidance as to what to do with their portfolios. They have a goal of purchasing a new home together in 3 years and make a combined salary of $170,000 per year. So what's my complaint?The financial planner in the article http://everymansmoney.blogspot.com/2009/03/dialing-back-on-equity-exposure.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-8217131491337944137Mon, 18 Aug 2008 18:11:00 +00002008-08-18T11:39:13.449-07:00EconomyReal EstateSaving MoneyTaxesReal estate professionals, home builders, owners, and many others hope that the new tax credit for first-time home buyers will spur on the housing market out of the state of doldrums it now finds itself in. While a similar tax credit boosted the housing sector in the 1970’s, a key difference comes with this year’s $7,500 tax credit: it has to be repaid, which turns that credit into the likes of http://everymansmoney.blogspot.com/2008/08/first-time-home-buyer-tax-credit.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-9121509496478220556Tue, 12 Aug 2008 19:56:00 +00002008-08-12T13:35:02.276-07:00Looking through some economic data, I came across what I thought was a very interesting graph (which you’ll see below). It shows that, while housing prices were on a torrid pace through much of the last decade, the percent of income that households are spending on housing is only barely above average since the data set began in 1975. Because of the housing spike, I expected to see a much higher http://everymansmoney.blogspot.com/2008/08/not-everyone-minds-housing-prices.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-7500543710672616814Wed, 30 Jul 2008 20:04:00 +00002008-12-13T03:08:04.195-08:00InvestingYou may have had someone tell you, at some point or another, that 90% of the return on your investments comes from asset allocation. Asset allocation? What’s that?Each investor has a different time frame, as well as a varying appetite for risk (and thus reward). Some people need their money in a few years, while others have decades to ride the markets. Some investors freak when they lose 5, 10, http://everymansmoney.blogspot.com/2008/07/asset-allocation-whats-that.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-7211006737320366657Mon, 28 Jul 2008 17:57:00 +00002008-12-13T03:08:04.333-08:00AirlinesSaving MoneyTravelingEver wondered if you were really getting the best deal by using some of the online travel site to book your flight? Just a short tip with this blog post, but it can be valuable!The best times to book flights online are at 2PM, 4:30PM, and midnight. Why? Those are the most common times that the best deals will be uploaded to the travel sites. What days should you look for flights? While there is http://everymansmoney.blogspot.com/2008/07/best-time-of-day-to-book-flights.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-4374767952068799Mon, 28 Jul 2008 17:41:00 +00002008-12-13T03:08:04.503-08:00Gas PricesSaving MoneyTiresAccording to this page, the majority of cars are running on tires that are only filled to 80% of capacity. What does this mean to the Everyman?Not only are under(or over) inflated tires a safety hazard, but they also are a hazard to your wallet! According to the referenced study (from the site link above), the typical 12,000 mile per year driver uses an extra 144 gallons each year due to http://everymansmoney.blogspot.com/2008/07/save-over-500-per-year-inflate-your.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-9121987126468455696Sat, 26 Jul 2008 20:00:00 +00002008-12-13T03:08:04.710-08:00EntertainmentFreeMoviesSaving MoneyWhile a number of my friends are subscribed to services that provide movies directly to their homes, I prefer the McDonalds Redbox. Why? Because many times the rentals are FREE!By searching the Internet for promo codes, you can find an almost limitless supply of codes - and free movie rentals! The catch is that the codes expire (the majority, anyway), and you cannot normally use a code more http://everymansmoney.blogspot.com/2008/07/free-movie-rentals.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-7696878922923122071Wed, 23 Jul 2008 19:35:00 +00002008-12-13T03:08:04.886-08:00PhoneSaving MoneyUtilities In my last post, I pointed out how much you can save by not subscribing to a multitude of channels for your cable service. Over $50 per month! This time, I want to share with you how to save money on another form of communication – your phone. While many of us have made the switch, many others have not. What switch is that? Dropping your landline!A recent survey has shown that 1 in 5 American http://everymansmoney.blogspot.com/2008/07/goodbye-landline.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-6617562372966732093Wed, 23 Jul 2008 19:01:00 +00002008-12-13T03:08:05.365-08:00EntertainmentSaving MoneyOver lunch with some co-workers a while back, it came about that I was the only one in the group that didn’t have more than basic cable to satisfy his/her television viewing cravings. Don’t get me wrong, there are definitely days when it would be nice (I can only catch my Minnesota Twins games on Sunday afternoons – and most of the time I’m not inside on a Sunday afternoon). But my lineup of the http://everymansmoney.blogspot.com/2008/07/how-to-save-300000-on-your-cable-bill.htmlnoreply@blogger.com (EveryMan)1tag:blogger.com,1999:blog-72687279297388310.post-2750742925441378746Mon, 21 Jul 2008 02:14:00 +00002008-12-13T03:08:05.546-08:00CommutingGas PricesSaving MoneyTravelingIn the latest fight against high oil and gas prices, a proposal has come up in congress that would reenact a national speed limit of 55 mph. And while this Everyman is not old enough to remember the days of a speed limit that low, he can imagine what that will do to the length of his road trips.Is this a good idea? The numbers are there: I've been reading all over the Net that for every 5 mph http://everymansmoney.blogspot.com/2008/07/saving-money-gas-prices.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-4660795085479799231Fri, 18 Jul 2008 15:53:00 +00002008-07-18T08:58:46.387-07:00Credit CardsCredit ScoresLoansMonitoring CreditSaving MoneyYour credit score. It’s a number that’s just as important as your anniversary date, social security number, ATM PIN, and golf handicap. And while having a great handicap in golf won’t get you better interest rates (unless, I suppose, you’re golfing with the CEO of Countrywide), having an excellent credit score will.Why Is Your Credit Score Important?Credit scores not only determine the rates/http://everymansmoney.blogspot.com/2008/07/questions-about-credit-scores-improve.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-1563447326255440543Thu, 17 Jul 2008 00:25:00 +00002008-12-13T03:08:06.245-08:00Gas PricesMass TransitSaving MoneyIf you've been living under a rock, you might not have noticed that gas prices have gone up a bit lately. (gasbuddy.com)And if you're like most of us Everymen, you need to drive to work. Fortunately, you have options! In my case, I save a whopping $12.93 PER WORK DAY.If you've read this far, you can see the astronomical amount of money that I save each year by riding the bus. And this does nothttp://everymansmoney.blogspot.com/2008/07/saving-money-taking-bus-or-subway.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-5405593336499294956Wed, 16 Jul 2008 04:16:00 +00002008-12-13T03:08:06.760-08:00Internet DealsOnline CouponsSaving MoneyIn my quest to save money, I've come across a number of sites that offer great deals that you may only be able to find on the Internet.Slickdeals.netThis site includes daily deals (technology, clothing, samples, and more), as well as coupons (that you can search for by company name), and forums that users can contribute to with their own deals that they've come across.Spoofee.comI really like http://everymansmoney.blogspot.com/2008/07/great-deals-on-internet.htmlnoreply@blogger.com (EveryMan)0tag:blogger.com,1999:blog-72687279297388310.post-8968056361073447261Wed, 16 Jul 2008 02:15:00 +00002008-07-15T19:21:48.319-07:00WelcomeI've created this site to be for you. Many of the personal finance blogs out there are rather unrealistic - people that are making 250K per year or post about their dilemma between which vacation home to go to. They may even let you follow their pace toward becoming a multimillionaire by the age of 23.No, this page is for those of us who are looking for better ways to manage our finances and http://everymansmoney.blogspot.com/2008/07/welcome-to-everymans-money.htmlnoreply@blogger.com (EveryMan)0