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Cutting Grocery Costs without Cutting Nutrition

Simple, healthy, and affordable ways to weather the rising price of food

by Karen Collins, R.D., American Institute of Cancer Research

Grocery prices are projected to increase again in 2008 – that’s following 2007’s highest annual increase in 17 years. But surviving these tough economic times doesn’t have to mean sacrificing good nutrition. Some simple strategies can help you cut food costs and eat more healthfully, too.

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Nicholas is Kid of the Month


  Got a Cute Baby Pic? Free Entry! New $2500 Winner Every Month

Using Insurance to Reduce Risk

econ4u.org

All Choices Involve Risk: There are no risk-free choices. Usually, the best way to reduce risk is to take action yourself. For example, to reduce health problems, eat right, get plenty of exercise, get enough sleep, don’t smoke, avoid drugs and so forth. But, since there is no way to avoid risk completely, a common approach is to buy insurance to help reduce the financial losses that can result from bad things that happen.
How Insurance Works: ...In the real world, the fee (premium) would have to be large enough to cover not only the losses but the cost of operating the business and earning a profit. And because things don’t always go according to plan, an insurance company needs to be prepared for unexpected costs. If 10 residents have their apartments robbed, the insurance company needs to have enough cash in reserve to pay them back, for instance...

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How to Save on Your Grocery Bill

A full cart doesn’t have to leave you with an empty wallet

by Kati Neville

Don’t buy non grocery items at the supermarket. Health and beauty goods are usually cheaper at mass-market retailers, like Target. And you’ll find the best deals on paper products at warehouse clubs.

Purchase oranges, onions, and potatoes in bags rather than individually. You’ll pay roughly half the price.

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Fix, Freeze, Feast

by Kati Neville and Lindsay Tkacsik

In addition to recipes they also have tips for organizing your shopping list, packaging meals and preventing freezer burn...

Are women paid less than men?

by Diana Furchtgott-Roth

One of the concerns of working women is the “pay gap” – the alleged payment to women of 78 cents for every dollar earned by a man. But there are more behind these numbers than first meets the eye, because women work different hours, major in different subjects, and choose different careers.

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Gut Decisions May Not Be Smart

by DEIRDRE VAN DYK

If you have ever struggled with a difficult decision — new job vs. new boyfriend, sports car vs. minivan, read the book vs. see the movie — you have likely also been offered a heap of decision-making wisdom. Make a list of pros and cons. Go with your gut. Sleep on it.

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  Need low-cost health insurance? Protect your family with the right coverage at prices you can afford.

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Personal Finances - Book Reviews

Put Your Money Where Your Heart Is

by Natalie Pace

Put Your Money Where Your Heart Is offers a sensible, easy-to-follow yet powerful set of investing strategies for the would-be investor—from the complete novice to those with experience. Natalie Pace urges the reader to begin with an area of investing that they care about or know about, learning how to get rich by putting their money where their passions lie. Her method is based on a three-part investment recipe and a six-step “Buy My Own Island Plan,” all presented in an informative and engaging style.


Natalie maneuvered her way out of poverty and up above the ranks of Harvard-educated MBAs to become the #1 ranked stock picker on Wall Street. She shows us, through anecdotes and carefully outlined investing strategies, that making the transformation to a life of financial freedom and happiness is easier than one might think. Put Your Money Where Your Heart Is isn’t just another personal finance book. Natalie’s personal story as well as her credibility and expertise in the area of wealth building will inspire and delight readers, revealing her secrets to lifetime success and prosperity.

 

The Three-Ingredient Recipe for Cooking Up Profits - book excerpt

Make Love With Your Money - book excerpt

 

The Everything Guide To Personal Finance For Single Mothers Book

A Step-by-step Plan for Achieving Financial Independence (Everything: Business and Personal Finance)

by Susan Reynolds (Author), Robert Bexton (Author)

Are you a single mother who worries about your family's financial future? The Everything Guide to Personal Finance for Single Mothers has the savvy financial advice you really need. Packed with helpful tips and sound financial practices, this practical yet inspirational guide leads you on a step-by-step journey to financial independence and security.

 

From how to get out of debt, establish good credit, and qualify for a mortgage to opening a college fund, planning for retirement, and even starting your own business, The Everything Guide to Personal Finance for Single Mothers is the financial advisor you need to secure your future--and that of your children.

 

About the Authors:

Susan Reynolds is a journalist, author, businesswoman, and single mother who handles her own financial affairs, including managing her retirement fund. She most recently wrote Change Your Shoes, Change Your Life: Strut Your Way to a Fabulous New You! She lives in Pembroke, MA.

 

Robert A. Bexton, CFA, has been an investment analyst since 1999. Currently, he manages $70 million of clients' assets for Moirai Capital Management. He holds the prestigious Chartered Financial Analyst designation and earned a B.A. in Economics from UC Berkeley. Mr. Bexton lives in San Francisco, CA.

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Money-Saving Tips

by Jacquelyn Lynn - Author of Online Shopper's Survival Guide

A comprehensive guide to buying on the Internet, Online Shopper’s Survival Kit will teach you how to effectively and safely shop online for just about anything. With input from expert buyers and sellers, it discusses strategies for getting a great deal on online merchandise, including the top categories, like cars, real estate, and travel services. It reveals how to recognize and avoid scams and frauds and discusses consumer protection issues. Shopping online is the easiest way to find the lowest price for whatever it is you want. But there are plenty of ways to save money besides just getting a good buy.

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The Maui Millionaires

by David Finkel, Diane Kennedy, CPA
Authors of The Maui Millionaires

Being invited into a secret gathering of millionaires in Maui is intriguing, yet as investment experts David Finkel (The Real Estate Fast Track) and Diane Kennedy (Loopholes of the Rich) point out, distinguishing millionaires as an elite group is the first barrier to be broken down. After challenging readers to question their beliefs and limitations about money (or "upgrade your wealth operating system" as they put it), the authors move on to their "25 keys to dreaming big," including instructions on how to build a group of mentors who will help make your dreams come true. Charitable giving and strategies for leaving a legacy round out the final chapters. While most of these ideas won't be new to self-help readers or Oprah fans, those who haven't considered the impact of negative childhood lessons about money or current limitations to dreaming bigger may find the book fairly insightful. For those who have encountered these ideas before but haven't implemented them, the exercises and suggestions provide a concrete call to action. Until readers have built enough wealth to attend the actual Maui Millionaire event (priced at $30,000), this book—and its frequently referenced online tools — provide a decent insight into millionaire thinking.

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Don’t Just Dream; Execute By Setting Goals

by Lynnette Khalfani author of The Money Coach's Guide to Your First Million

Too many people dream of becoming a millionaire but have no real plan for how to achieve it. Well, you can’t become a millionaire just by dreaming, wanting, or wishing for wealth. So many times we get caught up in daily tasks and activities that we forget about setting substantive goals for the future. But in order to accrue substantial wealth, it’s essential that you write out your short-, medium-, and long-range goals. Some of you may not have thought about your own goals much lately. Perhaps your life has been consumed by your children’s world; their needs and wants always come first, and you constantly put your desires on the back burner. It’s a mistake to do that. Financially speaking, you can get yourself so wrapped up in another person—whether that individual is your child, partner, or parent—that you neglect yourself and fail to engage in smart, practical financial planning. You don’t want to look up 20 years from now and think that you should have managed your money better when you were younger.

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Everybody Wants Your Money

by David W. Latko

Personal finance guru David Latko cannot tell a lie, and he’s out to expose the liars behind today’s biggest rip-offs—from realtors and stockbrokers to car dealers, bankers, financial planners, and even predatory family members. What sets David Latko apart from other financial commentators? Just ask anyone who has listened to “Money & More,” the roof-rattling national radio show he co-hosts with “professional iconoclast” Earl Merkel. He is not a slick “talking head” delivering hot new stock tips. He’s not the Pollyanna commentator who reduces money management to a few too-good-to-be-true steps. Instead, he uses vivid, real-life tales from the trenches and down-to-earth scenarios to deliver the straight talk on financial issues that affect us every day. His delivery is jargon-free and packed with eye-opening facts the financial industry doesn’t want you to know. His goal is to empower you so that you can be an informed, savvy, world-wise investor who can spot a wasteful surcharge a mile away. With David Latko as the umpire, the game is up for that unscrupulous brother-in-law who wants you to buy into his get-rich-quick schemes or the investment counselor who stops returning your calls as soon as she’s cashed her commission check. David reveals the kind of information you can take to the bank—reaping the rewards for the rest of your life.

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8 Myths About Money

by Loral Langemeier, Master Coach and author of The Millionaire Maker

I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it’s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I’ve learned that I was not alone. Much like our views about many things -- people, relationships, food, and health to name a few -- our beliefs came from our parents, our teachers, and other adults in our lives. These beliefs are ingrained, and because they’re usually subconscious, the cycles are continuous -- until someone breaks them. Beliefs about money are many and varied, but in my research, I’ve discovered that there are a few that predominate.

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Start Talking! 20 Questions to Ask when Mom or Dad Retires

by Ellen Freudenheim
author of Looking Forward: An Optimist's Guide to Retirement

So your parents are retiring! What’s that got to do with you? Plenty, it turns out. Retirement is a change in life status that can affect the whole family. What’s at stake? Oh, not much—just money, health and relationships. Here are 20 questions to ask your parents, whether they are about to retire, or currently retired. But take it slowly! You don’t need to ask every question the morning after the big retirement party!

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Money-Saving Tips

by Jacquelyn Lynn - Author of Online Shopper's Survival Guide

A comprehensive guide to buying on the Internet, Online Shopper’s Survival Kit will teach you how to effectively and safely shop online for just about anything. With input from expert buyers and sellers, it discusses strategies for getting a great deal on online merchandise, including the top categories, like cars, real estate, and travel services. It reveals how to recognize and avoid scams and frauds and discusses consumer protection issues. Shopping online is the easiest way to find the lowest price for whatever it is you want. But there are plenty of ways to save money besides just getting a good buy.

read more...

Tuesdays in the Pocketbook: How to Keep Divorce from Devastating Your Family Finances

by DK Simoneau, Author of "We're Having a Tuesday"

Let’s face it. Getting divorced is a financial blow to any family. It is quite a touchy subject. Even in the best of circumstances there are double the housing expenses because suddenly there are two homes to support. Ah you know, two phone bills, to cable bills, two water bills and so on. When there are kids involved and split-family living becomes the lifestyle of choice for the foreseeable future, finances can get even stickier. If you are on reasonable terms with your ex-spouse there are some ways to avoid common pitfalls of supporting your kids financially. If you are not, there are still limited actions you can take without having to involve the family lawyer, they just may not be as equitable. read more...

 

Basic Legal Recommendations for Women

by Michele Howe

According to Toledo attorney, Stephen Pennington, there are some fundamental legal concerns that every woman should understand, plan, and prepare for in order to best protect her financial assets in lieu of a possible divorce, death of a spouse, or for simple common sense financial survival. It is noteworthy that each of the potentially troubling monetary difficulties cited below arrives at a time when a woman is simultaneously coping with personal loss and pain, thus underscoring the need to take preparatory measures well in advance such major life events (upsets). For every woman who does prepare, there are countless more who do not and who pay the price both financially and emotionally.

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9 Cash-Saving Tips That Pay Big Bucks

complaintsboard.com

The expression "a penny saved is a penny earned" doesn't cut it these days. But saving a few dollars here and there can add up...

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Try out these Thanksgiving recipes from tasteofhome

You May Have Too Much Debt But You Also Have Options

How Life Works

If you feel like you're in over your head with personal debt, you're not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans and raising interest rates do not make a good financial mix.

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Suze Orman's Recession Rescue Plan - helps you survive in times of financial crisis

OPRAH.com

Do you know what your family would do if you lost your job - or worse, your home? Financial expert Suze Orman is ready to help you devise a recession rescue plan to survive - and possibly thrive - during this deepening financial crisis...

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Could fat babies mean fat toddlers?

A new study from Harvard Medical School found that babies who gained weight quickly had a sharply higher risk of obesity. The study followed close to 600 babies and found those in the top quarter of weight for their length at 6 months had a 40 percent higher risk of obesity by age 3 than smaller babies.

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The 10-Ingredient Shopping Trip

By Tara Parker-Pope and Mark Bittman

... In his latest “How to Cook Everything” segment on the Today Show, New York Times food writer Mark Bittman makes it surprisingly easy to cook a week’s worth of dinners with just a 10-ingredient shopping trip.

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Finding last-minute tuition money

There's still time to find funds for this semester's college tuition. But you'll have to move quickly.

By Gerri Willis

It's only a couple of weeks or even days until school begins. And if you don't think you'll be able to get a handle on your college tuition bill, here with your guide to last minute money.

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Short-term Payday Loans

econ4u.org

...Which are more expensive, late fees or short-term loans?...
A short-term payday loan can be a better option than overdraft fees, reconnect fees, late payment fees or a damaged credit rating when the loan is repaid promptly. However, these loans are not suited for longer repayment periods... Being realistic about budgeting can help avoid the need for short-term borrowing.

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Your Just-in-Case Emergency Plan

by RealSimple

Who do you call if you can't make it home in time to meet the kids' bus? Who do you trust to take in your mail when you're on vacation? Who do you trust with the extra set of keys to your house?

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How to save $10,000 in 2009

By Liz Pulliam Weston

If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that $10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as: Housing, Transportation, Food.

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The Super, Sexy, Single Mom on a Budget

by Renee Rayles

A quick reference guide designed for the busy, single mom who has

little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and then.



32 and Counting? Finding Your Happily Ever After Today

by Gi Gi

The author talks about the struggles a single mom goes through and the discovery that you can have HEAT (Happily Ever After Today) just as you are, being single, taking care of your kids...

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Single Mothers &
Male Role-Models / Mentors

Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another equally-invested adult.

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Your 5-minute guide to protecting your identity

 

20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.

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TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.

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Diary of a Wimpy Kid: The Last Straw
by Jeff Kinney

For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...

read more...

 

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Money makeover: Single mom

Jacqui Sentmanat is trying to give her child the best of everything, but who's looking out for her financial future?

by Joe Light, Money Magazine staff reporter

(Money Magazine) -- When you're the single parent of an only child, you want only the best possible life for your kid. That's how Jacqui Sentmanat feels. But it's an expensive proposition.

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The best financial advice ever

Prince Charming isn't coming. Live like a college student.
Never co-sign a loan. Money experts like David Bach and readers like you share the best nuggets of wisdom they have ever received.

by Liz Pulliam Weston

... If you're not doing well financially, maybe you're finally ready to hear some advice that could make all the difference.

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Tips on How to Take Care of Yourself During a Global Crisis

by complaintsboard.com

During these last few months, the stress levels have been on the rise, from people struggling with finances, to the banking stresses, to the swine flu projected pandemic. There is a lot of uncertainty, a lot of unnecessary panic, and a lot of overall fear... For one thing, with the information overload that is being thrown in every which direction except straight leaves you wondering what is the truth, and what is not? ...

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Live well without going into debt by Donna Freedman

Living frugally (and debt-free) is a lot more fun than living with worry. I'll show you how you can enrich your life without breaking the bank.

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No More Money Stress!

...You have to remain positive..., because anxiety muddies your ability to think through problems clearly. Panic fuels rash decisions that could cost you much more in the long run than those made after careful deliberation.
If you've plunged into a financial funk, just take a deep, serenity-bestowing breath and follow these guides to regain control.

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Saving money - you can do it

Strategies for saving more and spending less

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5 lessons the rich can teach you

They don’t just have more money. They spend it, borrow it and save it in ways that might benefit you, too.

by Liz Pulliam Weston

... Studying the habits of this relatively large and growing group of affluent folks can teach us a lot. These people don't just have money; they treat it differently than people farther down the economic ladder.

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