Life is Not Hard

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I just read an article by Ben Steverman posted on MSNBC which listed 20 personal finance ideas for 2009. The ideas were compiled after BusinessWeek asked several financial planners for advice for the new year. Here is the list.

Don’t try to predict the future.
Do keep enough cash available.
Do invest internationally.
Don’t try to pick [...]

I’ve always been a gadget junkie and love seeing the new innovations that come out each year. I think the last gadget I bought would have to be my iPhone and aside from the occasional poor call quality I am impressed.
Every year a new group of gadgets are released. Some are better than [...]

Credit cards are one of the most expensive credit financial services available to consumers. The “hidden” fees that come with credit cards are charged to consumers, but most customers aren’t aware of these fees, as they have not read the fine print in the credit card agreement upon account opening.
Being late on a credit [...]

If a food was ever picked to represent the college student, it would have to be Top Ramen! I personally lived off Top Ramen Noodles for close to a year while I was in school. I have many friends who did the same. Not everyone likes the taste of Ramen noodles but [...]

If you have a credit card, than you are familiar with the common amount, the minimal monthly payment that must be made. Many customers fall into a trap of minimum monthly payments, and extend the life of their debt by years when only paying this small amount. The majority of this amount is charged to [...]

Get my free report that will show you how to make money in college. There are plenty of jobs for college students, but I will show you which ones will put money in your pocket without interfering with your studies.

I just read a post over at GetRichSlowly about “adult allowance”. The idea is simple. At the beginning of the month you take out a cash allowance from your ATM and keep that money with you. This money is then used to buy “wants”. “Wants” are things you want but don’t [...]

Hi everyone, I’d like to apologize for the lack of posts lately. As some of you know I’ve been sick for the past week with a cold. My nose is still a little stuffy, but I am finally starting to feel normal again.
I’ve had a lot of time to think this past week [...]

Now that I am no longer in school, when I get sick I can afford to take some time off of work to get better. However, I do remember my College days and how unlucky I was with getting sick. At the time I lived in a four-plex that had some mold issues. [...]

I’m sure you learned how to convert Celsius to Fahrenheit in a Science class at one point or another. But do you still remember the formula? If you said 9/5C + 32 = F, then congratulations. If you didn’t remeber, have no fear I’m about to show you a simple techniques that [...]

After writing my post about living in the dorms earlier I started having flashbacks to my dorm days. When I was in the dorms they were just beginning to get wired with cable at my school, so Video Games were key! The Madden and Street Fighter tournaments were intense. Even those that [...]

When I first started looking at colleges I wanted to attend after high school there was one local and one school about 400 miles away from where I lived. After visiting the distant school it became fairly obvious that it was a commuter school and if I was going to be living on campus, [...]

Recently I was pulled over on the way to work and given a citation for “following too close”. If you were able to see the snail pace the freeway was moving at when I received this ticket, it is almost comical. I would have loved to fight the ticket, but with the time [...]

Each Sunday, I sit down and read the Sunday paper and like most people I usually discard the coupon inserts. Just recently I began to think how silly it was for me to have a site recommending different ways to organize your personal finances, while I was throwing money away each week. I [...]

With the horrible fires here in Southern California over the past week, I thought it would be a good time to remind people that you should have a safe copy of your important documents. Many people photocopy items such as their drivers license, birth certificate, passport, social security card among others and store them [...]

It’s coming up on the Holiday Season and once again one of the hottest toys this year is Elmo. If you haven’t seen Elmo Live yet, check out the video below. It’s like having your own little Muppet!

As it gets closer to Christmas Elmo gets harder and harder to find at stores. [...]

I’d like to apologize to my loyal readers for the downtime this site has experienced lately. I’ve had some issues with my hosting company over the past two weeks that have been getting worse with time. With the site completely down for long periods of time over the past couple of days, I [...]

I’m sure you have all seen the ads promoting the ability to work from home and make tons of money using the internet. A couple years ago, it was fairly simple to throw up a website, put some ads on there, do a little promotion and blam!, money began rolling in. Those days [...]

Since a lot of students read my site, I thought I’d write about jobs for high school and college students. The first part time job I took was when I was fifteen years old. My Mom told me that if I wanted to drive when I was sixteen I needed to get a [...]

With 6 days till the election I wanted to write a quick post encouraging all my readers to get out and vote! I would never try to force my political views on you and tell you what or who I think you should vote for. There are plenty of other sites and television [...]

Many sites have outlined the advantages and disadvantages for Internet banking. I have two accounts that I use. One is my checking account with WAMU and the other is my savings account with ING. I love the granularity I get with my WAMU automatic payments, which includes options all the way down [...]

Lately, I’ve been looking for programs that will help me increase the number of pullups I can do and came across a group of guys called the Bartendaz on Youtube that I was really impressed with. These guys are insane with these body weight exercises. Now I’m not sure how successful a person training to get in shape would be trying to build your body with bodyweight exercises

High end Halloween costumes for kids don’t have to be super expensive. Here are a list of costumes for kids that can be purchased without breaking the bank during these tough financial times. Happy Halloween everyone!

When I first set out to expand my financial knowledge many recommended that I look into Warren Buffet. Since that time I have read many books and articles on the man and how he sees the stock market. For those of you that are unaware of who Warren Buffett is, I suggest you do a quick Google search for him. He is really a fascinating person. This past week a new book came out The Snowball. I have been looking