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Dream Weddings for Less
(Source: zoonabar) Spring is here and love is in the air. So don’t let the plans for your dream wedding be daunted by economic realities. These days, more and more brides and grooms are footing the bill for their weddings themselves. And a wedding can be one of the biggest expenses you’ll face as a couple. Instead of starting out your financial lives together many thousands of dollars in debt, consider these practical tips for saving money on your wedding. Most people would just assume that cutting the guest list is the only way to go (less guests equals a smaller venue,…
Continue reading...6 Smart Ways to Spend Your Tax Refund
13. April 2009
So far, the average tax refund this year is $2,740, according to the latest IRS statistics. That’s not chump change — and it comes in handy at a time when many consumers are trying to tackle their debts and save as much as they can each month. In fact, with so many competing priorities, figuring out where to spend your refund can be a bit overwhelming. To help you decide, here are four ways you can use your tax refund to bolster your finances: Create a Cash Cushion Conventional wisdom used to be that keeping three to six months’ worth of living expenses in a…
Continue reading...Savings, CDs and Money Market Funds Explained
10. April 2009
If you’ve been investing in the stock market for the last couple of years, you’re probably feeling like you’ve been taken for a dizzying roller coaster of a ride. Head still spinning? The more stable investment vehicles, Savings accounts, CDs, and Money Market funds can provide some relief. While they may not offer the highest interest rates available they do provide an appealing safety cushion in times of economic uncertainty. And when it comes to saving for retirement, sometimes slow and steady can win the race. Let’s start off by explaining the basics of some of the most popular investment…
Continue reading...Kiss your phone bill good-bye
22. March 2009
Disruptors: Silicon Valley startup Ooma wants to help you connect your home electronics for cheap – starting with your phone. NEW YORK (Fortune) — The concept of connecting your home computer to your music library to your mobile phone is no longer as exotic as it was a few years ago. These days just about everyone with high-speed Internet, or broadband, service has some sort of home network set up. If the idea is no longer novel, the execution is. Most home networks are fairly rudimentary and require separate systems for connecting, say, your television to your PC and songs to your…
Continue reading...4 Ways to Help Shrink Your Debt
6. February 2009
This is an article I’d like to share that I found at SmartMoney.com that gives some simple and helpful hints on how to shrink your debt. The article has good intentions but lacks of information that could also be quite helpful for the consumer. HOPE for owners has been classified as a complete failure. There are other options to reduce your debt other than paying the minimum payment. At Dyer Beech we take a different approach by educating our clients about finance, tackle the mortgage crisis directly by loan negotiations, and manage, settle your debt for a faster relieve and…
Continue reading...Cut the cost of your bare essentials
5. February 2009
Some tips on saving money for those things that are impossible to cut completely out of your budget. NEW YORK (CNNMoney.com) — There are some things you just can’t live without. But here’s how you can pay less for your essentials. 1. Check your plan Is the grass always greener with someone else’s cell phone plan or credit card? Check out billshrink.com. This free Web site lets you enter in some information about your usage and compares this against other offerings in the market. You’ll get a personalized list of what other cell phone plans or credit cards would fit your needs –…
Continue reading...9 Ways to Save on Gas This Summer (Ford, Honda Motor) at SmartMoney.com
21. May 2008
WITH GAS PRICES edging ever closer to $4 a gallon, it’s little surprise that many would-be vacationers plan to postpone their road trips this summer. "This is basically a price issue," says Mike Pina, a spokesman for AAA, which predicts that fewer drivers will take to the road throughout the summer months. "Consumers are stuck with high fuel prices, higher airfares — which are due to higher fuel prices — and a softening economy." For those who still plan on braving the highways, the usual tactics — shopping around for cheaper gas or using a gas rewards credit card — will prove much…
Continue reading...Three Ways to Lower Your Car-Insurance Premium
10. May 2008
Three-Ways-to-Lower-Your-Car-Insurance-Premium provided by Auto-insurance premiums dropped last year for the first time since 1999, but only by an average of 1 percent. So getting that lower rate might still mean work. We looked at how insurers are calculating premiums these days — even your credit score can matter — and compiled a few tips. Shop Once a Year A little research can go a long way. Bob Hunter of the Consumer Federation of America suggests checking price ranges on your state insurance commission’s Web site. If you’re working with an insurance agent, he adds, ask him to match online price quotes, which are…
Continue reading...6 Ways to Earn More on Your Savings
10. May 2008
For anyone trying to save money right now, the Fed’s interest rate cuts are bad news. Banks have been lowering the interest rates they pay on savings accounts, and the relatively safe money market funds that many savers rely on have also seen rates fall by a couple of percentage points. Along with rising inflation, those numbers mean savers are getting a raw deal. But there are ways to boost those returns, according to financial experts. Here are six suggestions: Consider your horizons. Even though their yields have fallen, money market funds still make sense for savers who plan to withdraw the money…
Continue reading...Services-Help-Driver Find-Cheapest-Gas
10. May 2008
Before Akshay Dodeja stopped to fill up the gas tank of his Acura Integra, the 22-year-old Portland, Ore., computer-engineering student checked his cellphone. There, he found the cheapest gas from a list of 10 stations in the area. So in the end, he paid $3.63 a gallon—compared with the $3.80 that the most expensive station was charging. Getting the best deal on gasoline used to be a matter of comparing prices posted at stations on opposite street corners. But with fuel taking a bigger bite out of budgets, some drivers are obsessed with finding the best possible price in a wider…
Continue reading...- E-Commerce: Business,Technology, Society (4th Edition) (Hardcover)
- Personal Finance For Dummies, 5th edition (Paperback)
- J.K. Lasser's Your Income Tax 2009: For Preparing Your 2008 Tax Return (Paperback)
- TurboTax Deluxe Federal + State + eFile 2008
- Starting an Online Business For Dummies (For Dummies (Computer/Tech)) (Paperback)
- How I Made My First Million on the Internet and How You Can Too!: The Complete Insider's Guide to Making Millions with Your Internet Business (Paperback)
- The Complete E-Commerce Book: Design, Build and Maintain a Successful Web-Based Business (Paperback)
- Highlights of 2008 Tax Law Changes
- GTD for Personal Finance
- E-Mail Marketing For Dummies (Paperback)
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- Mike Harmon: Nice writing style. I look forward to reading more...
- Dan: For implementing GTD you can use this web-based ap...
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Asides 
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Here are the basics of money management to help you take inventory of your finances and set goals.
The world is mesmerized by money. A rack full of newspapers and magazines and a truckload of newsletters devote themselves entirely to chronicling the use and abuse of money. Cable TV beams money-related programming day and night. The Internet is jammed with money-minded Web sites. Money is a top-ten topic of family conversation, too.Considering that the subject occupies so much of our time and attention, isn’t it amazing that so many people have barely a clue about how to handle their own money? Amazing maybe, but no mystery: Americans typically manage to navigate 12, 16 or more years of very fine formal education without ever learning how to balance a checkbook, size up a stock or resist a fast-talking salesman of bad financial ideas. So here are the basics of money management, from setting goals to budgeting to figuring out your net worth.
- Take Financial Inventory
Find out what you own and what you owe, then track where your money goes. - Look at Cashflow
Take the time to find out where your money is going on a day-to-day basis. - Build Your Budget
Think of your budget as a means of setting and reaching your goals. Here’s help to get you started. - Keep More Cash
Dwindling savings and more debt are warning signs of a leaky budget. Find out how to keep spending under control and keep costs down. - Plug the Holes in Your Budget
If you start picking up distress signals, run your budget through these checks. - How to Set Financial Goals
The most important step toward financial security is to translate it into your own terms.
- Take Financial Inventory
1. May 2009
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