Are you in the market for furniture? From a couch to a dining room table to an entertainment stand, there’s no shortage of things you can purchase for your home. Here’s a common problem when shopping for furniture: everything you like is priced out ...

Are you looking forward to the spring months? Do you have big plans in mind in regards to your home? Are you hoping to take on a renovation project in the next few months? Although the cold weather is lingering, there is no better time than now to p ...

I would like to apply for a credit card from Cato's

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Many major credit cards provide car rental insurance, alllowing you to ditch the car rental agency’s expensive daily plan and save money on the cost of your rental. Before you rent, here are a few essential things to know. You must pay for the renta ...

Having your money in a traditional savings account typically isn’t the best way for it to grow. Sure, it’s safe and easily accessible, but you may have the opportunity to earn more interest on your savings if you move it to another type of account. H ...

Whether you’re traveling for vacation or for business, the last thing you want is to run into issues with your credit card. That kind of stress can make it difficult to enjoy your trip and worse, leave you without a source of funding. Here are a few ...

Are you in the process of starting a business? Are you creating your business plan to help guide you through the startup phase? Do you have some concerns about the cost of getting your company off the ground? No two businesses are the same, so it’s ...

I just applied for the surge card hit the wrong button at end of application wondering if I was approved

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JGibbs replied to the topic 'Do you need to own a home?' in the forum. 3 weeks ago

JacksonM wrote:

My grandparents did it perfectly. The closing of their old home was contingent on the closing of their new home. They bought in the morning and sold in the afternoon.
That method seems smarter to me. I can't imagine balancing two mortgages on top of everything else. Seems to me that scenario could push a seller into accepting a lower offer just to be done with it.

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JGibbs replied to the topic 'How will Milleniums be able to get retirement account?' in the forum. 3 weeks ago

FrugalFran wrote:

Forget the Millennials - my own generation is only halfway to retirement and we've got big problems. Granted, we have another 20 plus years to save, but it's an uphill battle and I know a lot of people who aren't going to be able to truly retire. There is always going to have to be another source of income to cover things like prescriptions and supplemental health insurance, which are already high costs today and I shudder to think how they'll be 20 to 25 years from now.
So, what is your plan so far? Work until you die? The terrifying retirement atmosphere has led me to take bigger investment risks than I normally would. I went from funding ETFs to putting my money into cryptocurrencies and single stock picks. I'm planning to work until I die as well. Hopefully.

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FrugalFran replied to the topic 'How will Milleniums be able to get retirement account?' in the forum. 3 weeks ago

Forget the Millennials - my own generation is only halfway to retirement and we've got big problems. Granted, we have another 20 plus years to save, but it's an uphill battle and I know a lot of people who aren't going to be able to truly retire. There is always going to have to be another source of income to cover things like prescriptions and supplemental health insurance, which are already high costs today and I shudder to think how they'll be 20 to 25 years from now.

Read More...

FrugalFran replied to the topic 'Renting when it's the only way to go...' in the forum. 3 weeks ago

FrankN wrote:

HOAs fees cant definitely be painful! I have 2 friends with HOAs over $600 a month! I could not believe it.

There is just no way that would make any sense to me. Not only is that a ridiculous fee, but I hate the idea of someone dictating to me I can and cannot do with the exterior of my home. The HoA lays down the law about colors, furniture, mailbox styles, flags, etc. and I've even heard of them forcing people to have uniform window treatments because they can be seen from the outside. So, I have to pay and I don't even have the freedom to do what I want with my house? No, thank you.

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FrugalFran replied to the topic 'The benefits and hindrances of being a Freelancer.' in the forum. 3 weeks ago

JGibbs wrote:

JacksonM wrote:
I haven't tried edX.org. I've taken some courses through my local library's subscription to Lynda.com. I went through an Essential Wordpress course, and though some information was a repeat for me, I learned some very useful tips too. They have various IT related courses as well.
Thanks for sharing that resource! I try to learn new skills that are in demand for many employers. I love my job, but want to keep my resume modern and keep improving my skill set because I never know what might happen in the future.

I think that is a necessity these days for everyone, regardless of their current industry. The more you know and the more versatile you can be, the more desirable you are to employers. The workforce has become a scary place.

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JacksonM replied to the topic 'Do you need to own a home?' in the forum. 3 weeks ago

JGibbs wrote:

Buy another house before the other is sold? I know people who have done it and they wound up selling their home for much less because of it. I'm not seeing the positive side. Wouldn't that hurt your credit rating and your ability to get a mortgage for the second house? Maybe this works if the first home is paid off and the buyer is looking for to move or looking for a vacation home.

I finally did look at the article. One of the reasons is basically the fear of missing out. If you just LOVE the new one but don't have a buyer, it could be worth the leap. Seems to me you won't love trying to pay two mortgages. My grandparents did it perfectly. The closing of their old home was contingent on the closing of their new home. They bought in the morning and sold in the afternoon.

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The foreign transaction fee isn't the most common credit card fee, but it’s one you should look out for even if you don’t travel frequently. A foreign transaction fee is charged as a percentage of purchases or ATM withdrawals you make in other curren ...

ChrisB created new blog entry Do These Things Before Hiring a Contractor in Your Home 4 weeks ago

Do you have big plans for your next home renovation project? Have you come to find that the work is beyond your scope? Are you ready to hire a contractor? Hiring a contractor is never quite as simple as it sounds. On the surface, you assume that all ...

JGibbs replied to the topic 'Do you need to own a home?' in the forum. 4 weeks ago

Buy another house before the other is sold? That's a new one for me. Wouldn't that hurt your credit rating and your ability to get a mortgage for the second house? Maybe this works if the first home is paid off and the buyer is looking for to move or looking for a vacation home.

Read More...

JGibbs replied to the topic 'The benefits and hindrances of being a Freelancer.' in the forum. 4 weeks ago

JacksonM wrote:

I haven't tried edX.org. I've taken some courses through my local library's subscription to Lynda.com. I went through an Essential Wordpress course, and though some information was a repeat for me, I learned some very useful tips too. They have various IT related courses as well.
Thanks for sharing that resource! I try to learn new skills that are in demand for many employers. I love my job, but want to keep my resume modern and keep improving my skill set because I never know what might happen in the future.

Read More...

JacksonM replied to the topic 'Do you need to own a home?' in the forum. 4 weeks ago

I've started looking at homes for sale in my area just to see what's out and about. The site I've seen searching through recently sent me an article listing reasons why you should buy before you sell. I admit I haven't read the article, but it seems like a ludicrous idea to me.

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JacksonM replied to the topic 'The benefits and hindrances of being a Freelancer.' in the forum. 4 weeks ago

JGibbs wrote:

You can learn IT skills without college and get hired just the same. Edward Snowden was a high school dropout after all. I've looked into some free coding classes on the edX.org website and tried to learn Python, but it was darn boring that I kept zoning out. Programming is a major skill to have right now.

I haven't tried edX.org. I've taken some courses through my local library's subscription to Lynda.com. I went through an Essential Wordpress course, and though some information was a repeat for me, I learned some very useful tips too. They have various IT related courses as well.

Read More...