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    Wednesday, January 2, 2008 From Moolanomy - view blog entries - visit this blog
January 2, 2008 at 8:00 am ET Before I begin, I’d like to say that this is a special edition of the net worth review, because following my review, I will be sharing what my friends are all saying about their net worth or the subject of net worth.
Net Worth Review
December was another weak month for the stock market, and the S&P 500 index dropped -0.86% from 1481.14 to 1468.36. According to NetworthIQ, my net worth went up +0.72% and net investable assets went up +1.25%, or from 23.64% to 23.93% of $1 million goal — that’s $10,615 short of the 25% goal.
Highlights
My wife gave birth ... (more) Tuesday, January 1, 2008 From Moolanomy - view blog entries - visit this blog
January 1, 2008 at 7:30 am ET Happy New Year! and welcome to the New Year Edition of the Festival of Frugality: “A blog carnival focused on the frugal life and getting that little extra edge out of the products you buy and the services you use.” Considering the holidays, there were quite a bit of submissions over the past two weeks. Without further delay, here is the Festival of Frugality #106.
Image by xymonau, conveniently stolen from Cash Money Life
Top 7 Editor’s Pick
Below are some of my favorite articles. At the top of each sub-section, I also highlighted my favorite post in that group.
Spend ... (more) From Moolanomy - view blog entries - visit this blog
January 1, 2008 at 2:01 am ET December 2007
1/2 - Would You Like to Pay My Taxes? was featured in the Carnival of the Capitalists New Year’s Edition 2008 hosted by SEO ROI Consulting.
You may like these related posts:2008 News ArchiveWelcoming the Carnival of Financial GoalsMy 2008 Financial Resolution and a Chance to Win an iPod!December 2007 Site and Net Worth Review (+0.72%)Saving $250,000 for my son’s college e ... (more) Monday, December 31, 2007 Is Baby Insurance a Good Buy? (5 clicks)
From Moolanomy - view blog entries - visit this blog
December 31, 2007 at 9:00 am ET Early in my wife’s pregnancy she registered on a couple of web sites to get free samples and discount coupons. One thing we get in the mail a lot was information about The GROW-UP Plan® from Gerber Life. Basically, it’s a whole life insurance plan that offers:
Whole Life Insurance up to $35,000
Automatically doubles at age 21
Low payments that never increase
According to Gerber Life:
“The GROW-UP Plan® is a whole life insurance policy designed for healthy children ages 14 days through 12 years. As a parent or grandparent, you can ensure the little ones who mean so much to you ... (more) Friday, December 28, 2007 From Moolanomy - view blog entries - visit this blog
December 28, 2007 at 9:00 am ET I got a strange call yesterday — yes, a cold call. Wait a minute…did my do not call status expired?!? Anyway, the guy claimed he works for Ambit Energy, and he wanted to put me on a savings plan that will shave 7% off my Con Edison electricity charges and eliminate the 4% sales tax.
At first I was tempted to hang up like I normally do when I get this type of calls. But he was persuasive enough that I continued to listen. I did a quick search on the web, and didn’t see anything bad from ... (more) Thursday, December 27, 2007 Would You Like to Pay My Taxes? (6 clicks)
From Moolanomy - view blog entries - visit this blog
December 27, 2007 at 9:00 am ET This question came to me when I was reading The Dough Roller’s post about why do mutual funds close to new investors. Part of the post read:
“…taxes for existing investors went up after a fund closed. Why? Because there was no longer an influx of new investors to share the tax burden.”
Photo via Wikipedia, text added by Pinyo
Is it really possible for new investors to pay taxes for existing investor? Unfortunately, yes. I am sure none of us want to pay taxes for other people, but that’s exactly what we do when we invest in mutual funds ... (more) Wednesday, December 26, 2007 Share Your Best Blog Post of 2007 and more… (3 clicks)
From Moolanomy - view blog entries - visit this blog
December 26, 2007 at 1:12 pm ET 1. Share Your Best Blog Post of 2007
To finish off the year and share the love with other bloggers who frequent my blog, I would like to feature one post from your blog. Please use the contact form to send me the URL to the post you would like me to share with my readers. The final roundup will be posted on January 15, 2008.
2. Ask The Expert with Larry Swedroe
There are still a few days left before I submit questions to Larry Swedroe, the author of Wise Investing Made Simple: Larry Swedroe’s Tales to Enrich Your Future. If you ... (more) Do You Have a Will? Estate Planning 101 (10 clicks)
From Moolanomy - view blog entries - visit this blog
December 26, 2007 at 9:00 am ET About two weeks ago, my friend at Being Frugal asked You Tell Me: Do You Have a Will? I do, but it’s so old, it’s probably useless…unfortunately. With the recent arrival of my son, it’s time for me to follow my own advice and create a basic will that will form the foundation for my estate planning.
What If I Don’t Have a Will?
To get started, I first wanted to answer the question what happened if I die without a will? According to the Lawyers.com New York Estate Planning web site:
“If you die without a will (known ... (more) Sunday, December 23, 2007 Merry Christmas and Happy Holidays! (5 clicks)
From Moolanomy - view blog entries - visit this blog
December 23, 2007 at 9:00 am ET I just want say Merry Christmas and Happy Holidays to all the readers, and fellow personal finance bloggers. Hope you have a happy time this holiday season.
The photo above was taken last Christmas at the Rockefeller Center. I will resume normal blogging schedule on Wednesday, December 26th. In the mean time, here is the wrap up of The 12 Days of Christmas - Personal Finance Style — a group writing project from the M-Network and friends:
12 Frugal Things @ Being Frugal
11 Ways to Get Paid (…for Pipers…) @ Mrs. Micah - Finance For A Freelance Life
10 Creative ways to cut-up ... (more) Friday, December 21, 2007 From Moolanomy - view blog entries - visit this blog
December 21, 2007 at 9:00 am ET There are some really great marketing campaigns out there. So good in fact that you might believe they are head and shoulders above their competitors. So good that their brands became synonymous with their industry — at least, some of them got me convinced.
Car Insurance
When I think about car insurance, I think AllState and GEICO. For me, they have the best commercials. Who can forget the little talking gecko? What about the memorable slogan: “You’re in good hands with AllState” and the blitz about accident forgiveness program.
I found AllState to be an excellent company. They even ... (more) From Moolanomy - view blog entries - visit this blog
December 21, 2007 at 9:00 am ET There are some really great marketing campaigns out there. So good in fact that you might believe they are head and shoulders above their competitors. So good that their brands became synonymous with their industry — at least, some of them got me convinced.
Car Insurance
When I think about car insurance, I think AllState and GEICO. For me, they have the best commercials. Who can forget the little talking gecko? What about the memorable slogan: “You’re in good hands with AllState” and the blitz about accident forgiveness program.
I found AllState to be an excellent company. They even ... (more) Thursday, December 20, 2007 Are You Giving the Gift of Consumerism? (2 clicks)
From Moolanomy - view blog entries - visit this blog
December 20, 2007 at 9:00 am ET I didn’t give this topic too much thought until very recently. While I was driving to work, I heard on the radio that you could give “Mall Cards” as a Christmas present. With one of these gift cards, the recipient isn’t restricted to buy something from just one store, he could buy anything in the mall — e.g., movie, soda, ice cream, popcorn, cloth, etc. On a different note, my son recently received some cash gift from my parents to celebrate his birth (this went straight to his 529 plan). Upon reflecting on these ... (more) From Moolanomy - view blog entries - visit this blog
December 20, 2007 at 9:00 am ET I didn’t give this topic too much thought until very recently. While I was driving to work, I heard on the radio that you could give “Mall Cards” as a Christmas present. With one of these gift cards, the recipient isn’t restricted to buy something from just one store, he could buy anything in the mall — e.g., movie, soda, ice cream, popcorn, cloth, etc. On a different note, my son recently received some cash gift from my parents to celebrate his birth (this went straight to his 529 plan). Upon reflecting on these ... (more) Wednesday, December 19, 2007 Best PF Practices of the Year! (5 clicks)
From Moolanomy - view blog entries - visit this blog
December 19, 2007 at 9:00 am ET Last Friday, my friend at Mrs. Micah: Finance for a Freelance Life started a writing project that asked us to share our best PF practices of the year. I thought it was an excellent way to wrap up the year, so I will add my two cents here. I wanted to refer to my old MOMA post and say, “Save 10% of your income and make it automatic,” but I am going to add a little twist.
When saving money or paying bills,
it’s easiest when we do it little by little, automatically.
Photo via stock.xchng
ChristianPF wrote a post called ... (more) Best PF Practices of the Year! (1 click)
From Moolanomy - view blog entries - visit this blog
December 19, 2007 at 9:00 am ET Last Friday, my friend at Mrs. Micah: Finance for a Freelance Life started a writing project that asked us to share our best PF practices of the year. I thought it was an excellent way to wrap up the year, so I will add my two cents here. I wanted to refer to my old MOMA post and say, “Save 10% of your income and make it automatic,” but I am going to add a little twist.
When saving money or paying bills,
it’s easiest when we do it little by little, automatically.
Photo via stock.xchng
ChristianPF wrote a post called ... (more) Tuesday, December 18, 2007 A Deeper Look at the 80% Retirement Rule (11 clicks)
From Moolanomy - view blog entries - visit this blog
December 18, 2007 at 9:00 am ET In Using Simple Rules to Predict your Retirement Needs, I passively mentioned using 80% rule to calculate retirement needs. You may have heard this rule before; here is a variation of it:
“You need 80% of your pre-retirement income during your retirement.”
A Bit of Reality
Now, that statement is just a rule of thumb and is hardly accurate. Let’s add a bit of reality to the rule:
Use Expenses Not Income
Income is hardly a predictor of need. There are people who make much more than what they need. For instance, I doubt Bill Gate need 80% of his gazillion ... (more) From Moolanomy - view blog entries - visit this blog
December 18, 2007 at 9:00 am ET In Using Simple Rules to Predict your Retirement Needs, I passively mentioned using 80% rule to calculate retirement needs. You may have heard this rule before; here is a variation of it:
“You need 80% of your pre-retirement income during your retirement.”
A Bit of Reality
Now, that statement is just a rule of thumb and is hardly accurate. Let’s add a bit of reality to the rule:
Use Expenses Not Income
Income is not a good predictor of financial need. There are people who make much more than what they need. For instance, I doubt Bill Gate need 80% of ... (more) Monday, December 17, 2007 Money Saving Tips for Online Shopping (6 clicks)
From Moolanomy - view blog entries - visit this blog
December 17, 2007 at 9:00 am ET What prompted me to write this post is shown in the image below — my wife just got a $26.20 “Big Fat Check” from Ebates. My sister told me about this a few times before, but I didn’t pay any attention…until my wife tried it and got the check.
I am probably a bit late for the shopping season, but here are some money saving tips for online shopping:
Discounts and Rebates
Ebates — Get $5 bonus for signing up an account. Sign-in to Ebates, shop at over 800 merchant partners, and every 3 months they will cut you a “Big ... (more) From Moolanomy - view blog entries - visit this blog
December 17, 2007 at 9:00 am ET What prompted me to write this post is shown in the image below — my wife just got a $26.20 “Big Fat Check” from Ebates. My sister told me about this a few times before, but I didn’t pay any attention…until my wife tried it and got the check.
I am probably a bit late for the shopping season, but here are some money saving tips for online shopping:
Discounts and Rebates
Ebates — Get $5 bonus for signing up an account. Sign-in to Ebates, shop at over 800 merchant partners, and every 3 months they will cut you a “Big ... (more) Saturday, December 15, 2007 Six Streams of Income (11 clicks)
From Moolanomy - view blog entries - visit this blog
December 15, 2007 at 9:00 am ET About the Author: This is a guest post by Patrick from Cash Money Life. This article is the 6th Day of Christmas — Personal Finance Style. Several personal finance bloggers have banded together to write a series of personal finance articles based on “The 12 Days of Christmas” theme. At the bottom of this article is a link to the rest of these articles.
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On the 6th Day of Christmas (Personal Finance Style), my true love gave to me… 6 Streams of Income.
Photo by Glenn via Flickr
According to the song lyrics, the 6th Day of Christmas is “Six Geese ... (more) Friday, December 14, 2007 From Moolanomy - view blog entries - visit this blog
December 14, 2007 at 9:00 am ET This is my guest post that appeared on BeingFrugal.net on September 20, 2007.
In “The true earning power and the real cost of luxuries,” I discussed the concept of true earning power. If the thought of making only $3.85 from a $30 per hour wage does not motivate you to be more frugal, here are 10 questions that you can use to enhance your frugality:
Photo from stock.xchng
Do I really need this, or do I just want this?
Is there a cheaper alternative that works just as well?
Can I buy this used from somewhere else instead?
Is the one I already have still ... (more) Thursday, December 13, 2007 From Moolanomy - view blog entries - visit this blog
December 13, 2007 at 9:00 am ET About the Author: Paidtwice blogs about frugality, budgeting, and her family’s journey out of significant debt at I’ve Paid For This Twice Already. If you enjoyed this post, give her RSS feed a try!
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As his readers most likely know, Pinyo and his wife are expecting a baby. In fact, why you’re seeing this post I wrote for Pinyo is most likely because they’ve had the baby and are off in the hospital or at home enjoying their new little bundle of joy. Having had two babies of my own, I’ve picked up a few ... (more) Wednesday, December 12, 2007 From Moolanomy - view blog entries - visit this blog
December 12, 2007 at 9:00 am ET This is my guest post that appeared on Get Rich Slowly on September 26, 2007.
I’ve been investing since 1996. In the process, I have learned a lot, mainly from trial and error. I’d like to share my experience with you. Here are some of the mistakes I’ve made:
Not investing soon enough — I have been working part-time since my first year at college in 1991. If I had known what I know today, I would have invested my money in an IRA from day one. But like many other young adults, I was thrilled to have money and ... (more) Tuesday, December 11, 2007 My Foray into Prosper as a P2P Lender (5 clicks)
From Moolanomy - view blog entries - visit this blog
December 11, 2007 at 9:00 am ET One of my key believe about building wealth is (1) never stop experimenting, and (2) always look for way to build, diversify, and shift my income streams toward passive sources. So I got interested when Prosper became an advertiser on my blog — thank god for the blog, because I wouldn’t have known about Prosper without it.
Signing up to Lend
So I signed up to become a lender around the end of November. The process was easy:
Join Prosper: This is similar to joining most sites. I just give them my username and password, along with some ... (more) Monday, December 10, 2007 From Moolanomy - view blog entries - visit this blog
December 10, 2007 at 9:00 am ET This is the inaugural issue of the Ask The Expert column by Larry Swedroe. You can see Larry’s full biography and important disclaimer below. If you are interested in having your question answered by Larry, please send me an email via the contact page.
Now, let’s get to the questions and answers (please note that the emphases and links are mine).
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1. Is there a limit to how much you can contribute to a ROTH 401k? And is it wise to split your investment contributions between a traditional and a ROTH 401k?
From Erin @ Working For Financial ... (more) Items 150 - 174 of 193
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