Financial – Gemma Means Jewel ~ Beauty Blog

How To Find A Financial Consultant That Fits Your Needs

When it comes to personal finance, there is no one-size-fits-all solution. Depending on your unique circumstances, you may need to seek out the help of a financial consultant. But how do you find a financial consultant that is right for you?

To enjoy true financial freedom one needs to master the art of allocating available funds and credit limit for timely investments, savings and assets. There are a variety of different resources available to help you learn about business, small business or personal finance. Be sure to browse Risethestudio.com to access the resources.

Here are a few tips:

Define your goals.

Before you start looking for a financial consultant, you need to know what your goals are. Do you want to save for retirement? Pay off debt? Invest in a specific stock or mutual fund? Once you know what you want to accomplish, you can start looking for a financial consultant who can help you achieve those goals.

Do your research.

Not all financial consultants are created equal. Some may have more experience than others, while some may specialize in a specific area of personal finance. That’s why it’s important to do your research before you choose a financial consultant.

Ask for referrals.

If you know someone who has used a financial consultant before, ask them for a referral. They can give you first-hand information about their experience and whether or not they would recommend the consultant to others.

Interview multiple consultants.

Once you’ve narrowed down your options, it’s time to start interviewing potential financial consultants. During the interview, be sure to ask about their qualifications, experience, and fees.

Choose the right fit.

After you’ve interviewed multiple financial consultants, it’s time to choose the one that’s right for you. Be sure to choose someone who you feel comfortable with and who you feel confident can help you achieve your financial goals.

Financial

How To Improve Your Bank’s Capital Adequacy.

The banking system is under stress. In the light of the current economic situation, it is important for banks to have strong capital adequacy levels. This will help them weather any potential storms and maintain lending activity.

There are a number of ways in which banks can improve their capital adequacy. One is to raise additional equity from shareholders. This can be done through a rights issue or by selling new shares. Another way is to reduce the amount of risky assets on the balance sheet. This can be done by selling off non-performing loans or by reducing exposure to certain sectors.

Reducing the amount of dividends paid out is another way of boosting capital adequacy. This will help to conserve cash and improve the chances of surviving a difficult period.

Banks can also improve their capital adequacy by raising debt. This can be done through the issuance of bonds or by taking out loans from other financial institutions.

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Whatever measures are taken, it is important that banks maintain strong capital adequacy levels. This will help to ensure the stability of the banking system and the economy as a whole.

The banking sector is under pressure to improve its capital adequacy in the wake of the global financial crisis. Here are some tips on how your bank can improve its capital adequacy:

– Review your bank’s risk appetite.

– Identify and quantify your bank’s risks.

– Build up your bank’s core Tier 1 capital.

– Reduce your bank’s reliance on volatile wholesale funding.

– Increase your bank’s loss-absorbing capacity.

– Improve your bank’s risk management.

– Disclose your bank’s risks and capital adequacy openly and transparently.

Following these tips will help your bank improve its capital adequacy and become more resilient to future shocks.

Financial

The Top Financial Companies In America

In order to compile our list of the top financial companies in America, we looked at a variety of factors. We considered the size of the company, its financial stability, its customer satisfaction ratings, and its overall reputation. We also took into account the company’s history and its impact on the financial industry.

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We believe that our list includes the most reputable and influential financial companies in America. These are the companies that have helped to shape the financial industry, and that have contributed to the growth and stability of the American economy.

JPMorgan Chase

JPMorgan Chase is one of the largest financial institutions in the world, with assets of over $2.4 trillion. The company is headquartered in New York City, and it has more than 240,000 employees worldwide.

JPMorgan Chase is a diversified financial services company that offers a wide range of products and services, including investment banking, asset management, and consumer and commercial banking. The company has a long history dating back to 1799, and it is one of the most respected names in the financial industry.

Bank of America

Bank of America is the second largest bank in the United States, with assets of over $2 trillion. The company is headquartered in Charlotte, North Carolina, and it has more than 210,000 employees worldwide.

Bank of America is a diversified financial services company that offers a wide range of products and services, including consumer and commercial banking, investment banking, asset management, and wealth management. The company has a long history dating back to 1784, and it is one of the most respected names in the financial industry.

Wells Fargo

Wells Fargo is the third largest bank in the United States, with assets of over $1.5 trillion. The company is headquartered in San Francisco, and it has more than 270,000 employees worldwide.

Wells Fargo is a diversified financial services company that offers a wide range of products and services, including consumer and commercial banking, investment banking, asset management, and wealth management. The company has a long history dating back to 1852, and it is one of the most respected names in the financial industry.

Citigroup

Citigroup is the fourth largest bank in the United States, with assets of over $1.3 trillion. The company is headquartered in New York City, and it has more than 200,000 employees worldwide.

Citigroup is a diversified financial services company that offers a wide range of products and services, including consumer and commercial banking, investment banking, asset management, and wealth management. The company has a long history dating back to 1812, and it is one of the most respected names in the financial industry.

Goldman Sachs

Goldman Sachs is the fifth largest bank in the United States, with assets of over $950 billion. The company is headquartered in New York City, and it has more than 30,000 employees worldwide.

Goldman Sachs is a diversified financial services company that offers a wide range of products and services, including investment banking, asset management, and consumer and commercial banking. The company has a long history dating back to 1869, and it is one of the most respected names in the financial industry.

Financial

The Second Foundation In Personal Finance Is Creating A Budget.

A budget is an estimation of your income and expenses for a set period of time, usually one month. A budget is important because it allows you to track your spending, save money, and make informed financial decisions.

There are many ways to create a budget, but the most important thing is to be honest with yourself about your income and expenses. The best way to do this is to track your spending for one month to get an accurate picture of your spending patterns.

Once you have a good understanding of your spending patterns, you can begin to make changes to your budget. One common change people make is to cut back on unnecessary expenses, such as dining out or buying new clothes. Another common change is to increase your savings rate so that you have more money to put towards your goals.

No matter what changes you make to your budget, the most important thing is to stick to it. A budget is only effective if you are consistent with it. This means tracking your spending and sticking to your budgeted amounts.

If you are having trouble sticking to your budget, there are a few things you can do to make it easier. One option is to set up automatic transfers from your checking account to your savings account. This way, you will not be tempted to spend the money you are trying to save. Another option is to use cash instead of credit cards. When you use cash, you are more aware of your spending because you can see the money leaving your hands.

The bottom line is that a budget is a powerful tool that can help you reach your financial goals. If you are not currently using a budget, now is the time to start. If you are using a budget, make sure you are sticking to it so that you can achieve your financial goals.

A lot of people cringe at the word “budget”Â because they think it means they can’t spend any money on fun things. But a budget is simply a way to ensure that your spending aligns with your goals and values.

There are a few different ways to approach budgeting, but the most important part is to find a method that works for you. You might want to use a budgeting app, create a spreadsheet, or use the envelope method.

Whichever method you choose, the goal is to track your income and expenses so that you can make informed decisions about your spending. A budget will help you avoid overspending, and it can also help you save money for specific goals.

If you’re not sure where to start, there are a few different resources that can help you create a budget. You can find budgeting worksheets online, or you can use a personal finance book or blog. Once you have a budget, be sure to review it regularly and make adjustments as needed.

Financial

How To Pick The Best Personal Finance Software For Your Needs

When it comes to personal finance, there are a lot of software options out there. It can be tough to decide which one is right for you. Here are a few things to consider when picking the best personal finance software for your needs.

Ease of use. You want a personal finance software that is easy to use and understand. Look for one with a user-friendly interface.

Budgeting features. A good personal finance software will have budgeting features that help you track your spending and stay on track with your financial goals.

Investment tracking. If you have investments, you’ll want a personal finance software that can track them. This way, you can see how your investments are performing and make changes if necessary.

Debt management. If you have debt, you’ll want a personal finance software that can help you pay it off. Look for one with features like a debt payoff calculator and debt snowball.

Financial reports. A good personal finance software will generate financial reports that can help you see where your money is going and where you can save.

Customer support. If you have questions about using the personal finance software, you’ll want to be able to get help from customer support. Look for a software with good customer support options.

Free trial. Many personal finance software offer a free trial so you can try out the features before you buy. This is a great way to see if a software is a good fit for your needs.

Price. Personal finance software ranges in price from free to a few hundred dollars. Choose the software that fits your budget.

Compatibility. Make sure the personal finance software you choose is compatible with your computer and operating system.

Security. When it comes to personal finance, security is important. Look for a software with features like data encryption and password protection.

Financial

How Can You Stick To A Budget?

There are a few key ways to help you stay on budget.

Get organized

The first step is to get organized. This means having a clear understanding of your income and expenses. Track where you are spending your money and see where you can cut back. There are a number of ways to do this, including using a budgeting app or setting up a budget in Excel.

Set limits

Once you have a good handle on your spending, it’s time to set some limits. This may mean setting a monthly budget for groceries or entertainment. Or, it could mean setting a limit on how much you’re willing to spend on a new outfit. By setting limits, you’ll be less likely to overspend.

Make a plan

If you find yourself struggling to stick to a budget, it may help to make a plan. This could involve setting up a savings account for unexpected expenses or creating a Debt Reduction Plan. By having a plan in place, you’ll be more likely to stay on track.

Stay disciplined

One of the most important things you can do to stick to a budget is to be disciplined. This means being mindful of your spending and resisting the urge to splurge. It can be difficult to stick to a budget, but it’s important to stay disciplined if you want to stay on track.

Review your progress

Finally, it’s important to review your progress periodically. This will help you see where you’re doing well and where you need to improve. It can also be motivating to see how far you’ve come.

Staying on budget can be a challenge, but it’s important to be mindful of your spending. By following these tips, you’ll be on your way to sticking to a budget.

Financial

3 Simple Tips To Turn Your Money Into Wealth

Are you tired of being broke? Do you feel like you’ll never be able to retire? It’s time to stop living paycheck to paycheck and start building your wealth. And it all starts with these three simple tips.

Invest in Yourself

The first step to building wealth is to invest in yourself. That means getting a good education, developing useful skills, and building a strong work ethic.

If you’re not sure where to start, think about what you’re passionate about and what skills you already have. Then, find a way to turn that passion into a career.

It’s also important to continue learning and expanding your skillset. Whether you’re taking an online course or reading a financial book, make sure you’re always growing and evolving.

Invest in Quality Assets

The next step is to invest in quality assets. That includes things like stocks, real estate, and mutual funds.

When you invest in quality assets, you’re putting your money in something that has the potential to appreciate in value. That means you can sell it for more than you paid for it and use that money to build your wealth.

It’s important to remember that not all assets are created equal. So, be sure to do your research and only invest in things that have a history of appreciation.

Invest in Yourself

The final step is to invest in yourself. That means taking care of your health, developing positive relationships, and building a strong support system.

When you invest in yourself, you’re making a commitment to your future. You’re saying that you want to live a long and healthy life so you can enjoy your wealth for years to come.

So, start making healthy choices today and surround yourself with positive people. By taking care of yourself, you’re setting yourself up for a bright future.

If you follow these three simple tips, you’ll be on your way to building wealth in no time. So, what are you waiting for? Get started today!

Financial

How Much You Need To Save For Retirement

You’ve probably heard that you need to save at least 10% of your income for retirement, but where did that number come from? And is it really enough?

The 10% savings rule of thumb comes from a variety of sources, including financial experts, retirement calculators and employer-sponsored retirement plans. But there’s no one-size-fits-all answer to the question of how much you need to save for retirement.

Your retirement savings goals will be unique to you, based on factors like your age, income, lifestyle and health. However, there are some general guidelines you can follow to help you determine how much you need to save.

A good rule of thumb is to save 10% of your income for retirement. If you start saving early, you may be able to save less than 10% and still reach your goals. But if you start saving later in life, you may need to save more.

The 10% savings rule is a good starting point, but it’s not the be-all and end-all. If you want to retire comfortably, you may need to save more than 10%. And if you’re aiming for a luxurious retirement, you may need to save even more.

No matter how much you need to save for retirement, the important thing is to start saving now. The sooner you start, the easier it will be to reach your goals.

If you’re not sure how to start saving for retirement, there are a few things you can do.

First, check to see if your employer offers a retirement savings plan, such as a 401(k) or 403(b). If so, sign up and start contributing.

Second, open a retirement savings account, such as an IRA. You can open an IRA at most banks and investment firms.

Finally, make a budget and make saving for retirement a priority. Decide how much you can afford to save each month and make sure you stick to your plan.

Saving for retirement may seem like a daunting task, but it’s important to start sooner rather than later. By following the 10% savings rule, you can make sure you’re on track to a comfortable retirement.

Financial

How to live a debt-free life

In today’s world, it’s all too easy to find yourself in debt. With the high cost of living and the temptation to spend money on unnecessary things, it’s no wonder that so many people are in debt.

If you’re struggling to pay off your debts, don’t despair – there are plenty of ways to live a debt-free life. If you’re willing to make the necessary changes, you can read plenty of articles about financial freedom at LayoutLove.

One of the best ways to get out of debt is to live below your means. This means spending less money than you earn and saving up for things instead of buying them on credit. It may take some time to adjust to this way of life, but it will be worth it in the long run.

Another key to living a debt-free life is to create a budget and stick to it. This will help you track your spending and make sure that you’re not spending more than you can afford. There are many different ways to create a budget, so find one that works for you and stick to it.

If you’re in debt, one of the best things you can do is to start paying it off as soon as possible. The longer you wait, the more interest you’ll accrue, and the harder it will be to get out of debt. So, start making payments on your debts today, and you’ll be debt-free before you know it.

Living a debt-free life is possible, but it takes time, effort, and discipline. If you’re willing to make the necessary changes, you can get out of debt and live a life of financial freedom.

Debt is a fact of life for many people. But it doesn’t have to be a life sentence. There are steps you can take to get out of debt and live a debt-free life.

Know where you stand.

The first step to getting out of debt is to know where you stand. That means knowing how much debt you have and what your interest rates are.

Make a plan.

The second step is to make a plan. You need to decide how you’re going to pay off your debt. You can do it by making more money, spending less money, or some combination of the two.

Get organized.

The third step is to get organized. This means setting up a budget and tracking your spending. This will help you see where your money is going and where you can cut back.

Start paying off your debt.

The fourth step is to start paying off your debt. You can do this by making more than the minimum payment on your debts.

Stay motivated.

The fifth and final step is to stay motivated. This means staying focused on your goal of becoming debt-free. It can be easy to get sidetracked, but if you stay focused, you can achieve your goal.

Financial

Consider ways to boost your income.

One way to do this is to make sure that you are getting the most out of your current job. Review your salary and make sure that you are being paid what you are worth. If you are not, start looking for a new job that will pay you what you deserve. Another way to make extra money is to start your own business. This can be something as simple as starting a blog and monetizing it through advertising or writing e-books and selling them on Amazon. If you have a creative streak, there are many ways to make money from your hobbies. Finally, think about ways to save money so that you can have more to invest and grow your overall wealth.

Making extra money is always a good idea. But how exactly can you do it?

There are a few tried and true methods:

1. Get a higher paying job.

If youâ€™re not happy with your current salary, it may be time to start looking for a new job. Do your research to find out what your skills and experience are worth in the marketplace. If youâ€™re not being paid what youâ€™re worth, itâ€™s time to move on and start earning what you deserve.

2. Start your own business.

This is a great way to earn some extra income. If you have a creative streak, there are many ways to make money from your hobbies. For example, you could start a blog and monetize it through advertising or write e-books and sell them on Amazon.

3. Think about ways to save money.

If you can cut down on your expenses, youâ€™ll have more money to invest and grow your overall wealth. There are many ways to save money, so take a look at your budget and see where you can cut back.

Making extra money is always a good idea. But how exactly can you do it? There are a few tried and true methods:

1. Get a higher paying job. If youâ€™re not happy with your current salary, it may be time to start looking for a new job. Do your research to find out what your skills and experience are worth in the marketplace. If youâ€™re not being paid what youâ€™re worth, itâ€™s time to move on and start earning what you deserve.

2. Start your own business. This is a great way to earn some extra income. If you have a creative streak, there are many ways to make money from your hobbies. For example, you could start a blog and monetize it through advertising or write e-books and sell them on Amazon.

3. Think about ways to save money. If you can cut down on your expenses, youâ€™ll have more money to invest and grow your overall wealth. There are many ways to save money, so take a look at your budget and see where you can cut back.

Making extra money is always a good idea. But how exactly can you do it? There are a few tried and true methods:

Making extra money is always a good idea. But how exactly can you do it? There

Financial

The pros and cons of retiring abroad

There are many factors to consider when deciding whether or not to retire abroad. On the plus side, retiring abroad can offer a lower cost of living, a more relaxed lifestyle and the opportunity to experience a new culture. However, there are also some potential drawbacks to retiring abroad, such as language barriers, a lack of social support and feeling isolated from family and friends.

Cost of living

One of the main reasons people choose to retire abroad is to enjoy a lower cost of living. In countries with a lower cost of living, your pension or savings can go further, allowing you to enjoy a better standard of living. In addition, healthcare and other essential costs are often much lower in countries with a lower cost of living.

Lifestyle

Another big advantage of retiring abroad is the lifestyle. In many cases, you can enjoy a slower pace of life, with less stress and fewer commitments. This can be a great way to enjoy your retirement, especially if youâ€™re looking for a more relaxed lifestyle.

Culture

Retiring abroad also gives you the opportunity to experience a new culture. This can be a great way to broaden your horizons and learn about new customs and traditions. It can also be a great way to make new friends and meet new people.

Language barriers

One potential downside of retiring abroad is the language barrier. In some cases, it can be difficult to communicate with locals if you donâ€™t speak the language. This can make it difficult to make friends and get around.

Lack of social support

Another potential downside of retiring abroad is the lack of social support. If youâ€™re used to having family and friends close by, it can be tough to adjust to being far away from them. This can lead to feelings of loneliness and isolation.

Family and friends

One of the biggest advantages of retiring abroad is the opportunity to be closer to family and friends. If you have family or friends who live in another country, retiring abroad can be a great way to be closer to them. This can make retirement much more enjoyable and rewarding.

Financial

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Making Your Readers Smart

As mobile technologies have evolved, so has the way people think. This article will discuss how to take advantage of this knowledge, as well as what are some common mistakes that are being made with technology today.

“Mobile technology has transformed thought and the way things are seen today.” – Patricia Redsicker from WordViewEditing.com

The advent of smartphones, laptops, tablets and other mobile devices has changed how people live their lives and interact with others. Traditional ways of doing business have been rapidly replaced with mobile technology. This article will discuss the benefits as well as some common mistakes that are being made with technology today.

Read Only: The old way of doing things was to give out a hard copy and make sure people read it from cover-to-cover, however, with today’s technology people are doing just the opposite. With the advent of smartphones and tablets, people are now reading random articles or pieces of information that is interesting to them instead of reading a whole book or manual word for word in order to get the specific information they need right away. People are more interested in reading short articles and information that is about something specific instead of reading a big article and a lot of slides word for word on the computer or mobile device. This is where technology has given rise to the importance of knowing how to write an article with a specific purpose to extract just what they would like to know, so they can consume that information instead of having to read everything.

Mobile First: The old way of doing things was building a website, developing it and then letting marketing decide which types of mobile devices they need to address and then spending months, or even year making sure it works properly on various devices. With today’s technology, this method should be considered obsolete. Nowadays, it is more important to focus on the device first, then get the mobile version of the website developed. This will save time and money and create a better experience for your readers. The reason this is important is because almost all devices will have some kind of memory or storage, so having a website that works well on many devices and also uncompressed is important.

Use Social Media: The old way of doing things was to have a social media account in order to distribute information, however this has become more popular in recent years as technology has evolved. Nowadays, it is important to create a social media account to continue spreading the word about your business. This is because people are more likely to hear about your product or service if they know other people are using and enjoying it. Also, most of today’s top tech companies that produce smartphones and tablets have their own social media accounts, so for many people having a social media account will be seen as more professional.

No More Need for Hard Copy: In the past, there were certain occasions where it was necessary to produce physical copies of a document in order to hand it out or send it by e-mail or fax machine. However these instances are now non-existent with mobile devices and today’s technology. Nowadays, people prefer to use the same technology to send documents back-and-forth instead of printing a hard copy and mailing it or sending it via mail. Most people do not want to go into their e-mail just to read an article or how-to instructions from your company. Instead they will use a social media account or their email client they have on their mobile device in order to view this information.

Boost Mobile Marketing: The old way of doing things was to develop a website and then wait for it to be discovered and then try to get people to visit it. Nowadays, mobile technology has made this method obsolete. The best way is to target the people who are searching for the services that you provide. This can be done by doing a Google search on your company name plus the keywords (e.g., “cell phone repair”) or doing a Facebook search on your company name and keywords (e.g., “cell phone repair Ellington” or “cell phone repair Denver CO”). Then it is important to optimize the page so that it looks great on a website and also with an iPhone or Android phone. This allows your company to look legitimate and professional while also giving people an easy way to find what they need.

Write for Your Readers: The old method of doing things was to write out an article or how-to instructions and then publish it on a website or mobile device in the hope that people will view it. Nowadays, content is king when developing mobile technology, which means if you are writing content for a website or mobile device, then be sure you know how your reader will use this information. This is what will determine what type of content you need to put in your document, website or tutorial. It needs to be information that is specific and easy to understand. Your readers are not going to want a book of only information they will never use. They want something useful that they can take advantage of right away and this is what makes them come back again for more information on other products or services.

Mobile Marketing: The old way of doing things was by creating a business card, brochure, advertisement etc., then taking these materials to different vendors or meeting with friends and family in order to promote the company. Nowadays, this method is obsolete. The new way of doing things is to take these same materials and place them in a place where people can find them by themselves. In some cases they will search for the company to find it on the internet or with a social media account. Another way to do this is by putting press releases online, which in some cases could be distributed to news sites, thereby creating exposure for the company or even their products or services. Also, if one wants to advertise their business through print media, then be sure that you know how your audience will discover your advertisement.

Financial

Cleaning a House for Quick

This is totally my style. I also try to do one load of laundry each day. It keeps it from piling up and becoming the beast that takes all day to conquer!

I found this article, and now I’ve spent my entire evening reading about your home management notebook, menu planning and cleaning tips! I’m not sure how I’ve been doing this stay-at-home mom thing without you!

Now, I’m off to clean the ketchup from tonight’s dinner off the baby’s highchair so that I don’t have to do it in the morning when it’s all dried and crusty. You are so right!!

Woo I thought this was a fab post and really got me thinking to the extra hours I waist on cleaning. I plan to have my timer with me and see how much I can get done just to inspire me for less ‘I will do it later’ style cleaning…I bet in 15mins I could really change this kitchen from a riot of mess to a place to feel comfortable in…Oh no not toast on the lap top again….

Yep, this is my MAJOR problem! I need to clean as I go. I will definately try harder to put this in to practice. The one thing I have really been working on to keep up on is keeping dirty dishes out of my sink and keeping my sink shining (thank you Flylady!) It really does help me start my morning happier!

I know you hear this a lot but, I’m so glad I found your blog!!!

I am motivated to tackle my home with a new mindset.

My little tip: when loading the DW I put like utensils together for super quick unloading…spoons together, forks together etc. Cuts down on a bit of time and effort.

I have spent hours pouring over your articles, and I keep finding myself agreeing, relating and being inspired. One last thing, I appreciate that in these “politically correct” days you freely share the role your faith has in what you do everyday. It is so refreshing to see Jesus’ name used in a way that is not a curse word! Thank you and God bless!

Financial

Money Isn’t Everything And It Isn’t You

One of the downsides of having a personal finance blog is that you often get stuck thinking and talking about the same stuff – taxes, salaries, retirement, blah blah blah; sometimes you need to take a step back and enjoy the things in life that aren’t related to money.

Life is about happiness, not money.

The difficult thing about money is that when you don’t have much of it, you are almost forced to focus on getting more. The difference between earning $0 a year and $10,000 is seriously significant. It’s the difference between eating and not eating. The difference between $10,000 and $20,000 is also very seriously significant. Now take a look at the difference between $100,000 and $110,000… the difference is still “only” $10,000 but the actual impact on the quality of your life is much less significant than $0 to $10k increase. When you’re making $0, you want to make more and you try whatever you can to put yourself in a position to make more because each extra dollar you earn means you or your loved ones will eat that night. In that mode, money is everything because you’re fighting to satisfy your need to eat and need for shelter. However, the sickening cycle is such that even when you’ve “made it,” you’ll want more because you’ve already pegged your happiness to how much money you’re making. The happiest families are the ones that enjoy what they have, even if it’s very little.

You are not your income. You are not your assets.

The second point I want to make is that you are not what you make or what you own. Someone who makes $10,000 is not a worse person than someone who makes $20,000 or even $200,000. Do not let your annual income define who you are and don’t chase after that extra dollar because you want to impress your peers. There are some of the hardest working people, the nicest and kindest people, and some of the most generous people; busting their asses off for minimum wage. (the federal minimum wage is only $5.15, which means 50 weeks of 40 hours earns $10,300 – which is another issue entirely and a travesty of pretty epic proportions) I’d take any one of them working in a business I start over the hordes of useless middle managers in large corporations, even though the managers “earn” more in salary.

As always, if you have any thoughts on the matter, please do share!

Another possible result of a higher minimum wage could simply be more unemployed people. At some point it starts being more cost effective to buy a few Roombas rather than to hire that minimum wage McDonald’s lobby cleaner, or to just leave things dirty for that matter. Or for many jobs, to outsource them to China or India or wherever, where many will gladly work for less, under worse conditions. Also, in addition to students/teenagers, there are also people who take minimum wage jobs for the benefits, such as health insurance–for someone who needs it, that benefit alone might be worth enough to them that they’d work for free.

Chalk me up as a free market advocate, but I generally think the government does more harm than good when they get too involved with this stuff. They don’t accomplish what they’re trying to anyway, and they make all sorts of other things worse in the process of their failure. But hey, if it sounds good to enough people, maybe it’ll get them reelected…

Oh, that wasn’t your main topic? Capitalist though I may be, I agree wholeheartedly that money is far from the most important thing in life.

While I agree that raising minimum wage does have trickle down effects and higher costs here will lead to (or has already led to) outsourcing, you’ll have companies who will use US based manufacturing as a marketing point (American Apparel) and consumers who will appreciate that.

While I am a free market economy, Adam Smith laissez-faire type guy, I do recognize that government has long since given up to having the invisible hand do its dirty work and that if we’re going to meddle, we might as meddle the whole way and help some people out who really do need it. The working poor is one of the great tragic relics of our society, especially when you put them next to the non-working poor.

The beauty of discussion is that the topic goes to where the interest of the group is and I’m not one to stop it.

One of the ancient rules of economics: the “feel good”, “help people out” option is often the one that ends up hurting more than helping. This is a corollary of the ancient rule that if it sounds too good to be true, it probably is…

People should check out the history of the minimum wage. It was not started by “nice people” who wanted to “help out” workers. It was intended as an odd sort of weapon against working women, advanced by people who bought into “eugenics” theories of the sort that were popular in the early 20th century.

I’m not even convinced there should be a minimum wage. The market should set wages. If I own a fruit stand that sells $5 worth of fruit per day, am I going to hire someone for $8 an hour to man that stand? That’s an extreme illustrative example, but I just think that businesses are created for their owners to make money, and artifically inflating one of their costs doesn’t help anyone.

Great point you make in the blog. People can sometimes have an unhealthy obsession with money that gets in the way of their true day to day happiness.

I would guess that most of you on here arguing against a higher minumum wage are sitting at home on your fancy computers, all warm in your nice houses, right after you came home from your salaried job. You have never seen the effects of how working your asses off all day for 5.15 can hour can affect you. Not enough money to pay the rent, feed the kids, pay the bills etc. I come from a community where a few rich people rule, and many live in poverty, all the while slaving their asses off to serve the rich, because it is the only job they can get…..

And someone makes the argument that we do not want to raise the costs for those business owners and corporations. How do you think people feel when fortune 500 CEO’s are bringing home 100’s of millions of dollars a year, and thier child has no dinner. There is something to be said for working hard and creating a good life for yourself. But there is also something to be said for helping others out and having some sesnse of compassion…..not just giving lip service to compassion.

Most people I know make quite a bit of money and then feel great if they give away 100 dollars in a year…..get over yourselves. I think the biggest downfall of our “great country” is our pursuit of wealth at all costs while those around us are suffering just to survive from day to day. We send money to Africa and what not, but we cannot pay people enough just to eat a decent meal.

It seems every day I am less and less proud of how this country runs itself.

I was just thinking of that very same thing this past few days. Of course, money is important. But like you say, it’s not everything, and it won’t make you happy in itself… but it sure makes lif easier.

Financial

SparkleTeddy eMagazine Review

Todd Romer, Executive Director of SparkleTeddy, sent me a few copies of SparkleTeddy to check out recently. I first saw a review of the publication on Get Rich Slowly and I was intrigued with the prospect of a personal finance magazine targeted towards college students. Before I heard of SparkleTeddy, I’d never seen a personal finance magazine focused towards college students so I think they’re definitely targeting an under-served niche. If you think about it, magazines like Kiplinger’s and Smart Money target an older demographic that actually has some significant income to put towards things like investments and retirement. When you’re in college, retirement is the farthest thing on their mind (they don’t have 401k’s, but they do have the option to go Roth IRA), so it’s not surprising that this is the case.

So, onto the magazine itself. The magazine has basically one main in-depth feature article with a bunch of one pagers surrounding it. The magazines I read featured Grady Sizemore, Miss Issa, and Danica Patrick; all young phenoms in their field. From the perspective that the magazine is about personal finance, the fact that the feature is all flash and not really actionable personal finance advice is a weak point. However, as a college student, I think that these type of pieces are interesting to read, even if they aren’t applicable to their daily lives from a personal finance perspective.

Now, the mini-articles they put around the feature are certainly relevant and in nice bite-sized nuggets that a college student would be able to read in about fifteen minutes and put to good use. For example, in the Grady Sizemore issue, there is a guide to build better credit, a guide to studying abroad, a list of top ten internships, and an overview of money market funds. In the Miss Issa issue, there’s a top ten resume mistakes article as well as an overview of tools to help you keep track of which of your deadbeat friends still owe you money.

Overall I think the features are interesting though not necessarily useful whereas the mini-articles are useful if you figure they’re targeting college students. SparkleTeddy is bimonthly and with an annual subscription price of $15.95, whether or not it’s worth it is up to you.

Thanks for the post and review of SparkleTeddy. We appreciate the time you took to look through the publication and provide insights. We always welcome to feedback that will make the next issue of Young Money better than the last. Since launching Young Money several years ago we still battle with providing the right mix of educational content along with other engaging content based more on todyay’s young adult lifestyle. So, we look forward to continuing our quest to provide an authoratative money and business magazine that keeps an element of fun and entertainment too.

Financial

DIY Tips to Save Money on Your Car

Anyone who’s ever owned a car – particularly one that’s been “pre-loved” – knows what an awful sink of time and money a motor vehicle can be. No single purchase, short of buying a home, will consume more of your resources over its operational life.

It’s important to make sure you are getting the best mileage out of your car – literally and figuratively. With that in mind, start with the biggest cost of a vehicle – gas.

The easiest way to save gas is to buy a more efficient car, but if you’re already rolling in a ’73 Chevelle, that’s not really an option. However, no matter what kind of car you drive, taking it easy on the throttle and the brakes will save gallons a year. There’s no need to get a Grand Prix start if the next red light is 100 yards away.

In addition, high-octane gas is a waste unless you have a high-boost, high-performance engine. Chances are, your cylinders won’t “knock” on the basic stuff.

Learning how to change your own oil, air filter and other basic parts can save you a lot of money as well, though oil in particular requires a decent amount of time and space.

Similarly, monitor and fix your tire pressure – tires are expensive, and keeping them at the optimum pressure reduces wear and tear while improving mileage.

Using deal sites to save money when shopping auto parts on the internet. There are two ways to find deals. The first is searching for promotional codes on coupon sites. A few that are popular and reliable right now are Retailmenot, CouponCabin or Diskonio. The other way is signing up for a daily deals sites.

Finally, take a couple of nice spring and summer days to wash and wax your own car – it’s relaxing and you save yourself some cash. Plus, odds are you’ll do a better job than the carwash.

Financial

Preparing Your Child’s Education Costs Early

When your wife or you as a wife is pregnant, one of the things that you think about your child to be born later is how to prepare for their education later.

Being a parent is indeed not easy because it has a responsibility for the human being referred to as your child. Whether it comes from the womb or you as a wife, or comes from the adoption. You are both responsible for caring for and raising them. One part of raising your children is to provide them with an appropriate education. It’s not easy, but you can start now if you are pregnant or thinking about adopting a child.

Here are some steps you can take to save money for their education expenses later.

1. Talk with your partner

The most important thing is the agreement you make with your partner about your child’s education budget. If you are not a single parent, this is important so that you both know and prepare properly the budget for your child’s education.

2. Begin to find out the cost of education in your area

This is the easiest way to determine the initial budget. You can ask questions directly to the nearest school from your home, or you can also ask your closest family or friends who already have children who have started school, whether it’s basic education like Nursery or who are already in Elementary School.

3. Ask for brochures from several schools

Yes, it’s not enough to just one or two schools, you can visit several school websites. This makes it very easy for those of you who have work hours, you just open the school website in your area.

4. Begin to determine

This is quite not easy, but you can discuss it with your partner. If you both work, you can determine whether these costs are borne together or one and the other bears the other budget. Talk about it with your partner. This is very important. Record and save carefully the results of your discussion so that you both can start to save funds for children’s education.

5. Think of Where to Save

Even though this is a modern era where people rarely save money or save in a piggy bank anymore, but some people still do it! You can think of the advantages and disadvantages of storing these funds in your own home or through a trusted financial institution such as a bank or insurance.