We all love the look of gleaming white teeth, right? The reasoning seems to be associated with our deep-seated obsession with physical attractiveness — white teeth equal good hygiene, which contributes to overall appearance. Although that’s not technically the case (using too harsh a chemical too often can damage the enamel), people are still constantly in search of a way to whiten their teeth. Read on to learn more about the best ways to do just that.
The Dentist
A trip to the dentist can whiten your teeth in the quickest time possible, thanks to the application of a…
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WalletPop features the "new" DOLP Method from David Bach in his book Debt Free For Life: The Finish Rich Plan for Financial Freedom (FYI, DOLP stands for "done on last payment.") Here's basically how it works:
Step #1: You list all your debts.
Step #2: You take each debt's balance owed and divide it by the minimum payment. This gives you the number (which is the DOLP number) of months it will take you to pay off a debt (excluding interest.) So if you have a $ 2,000 debt and your minimum payment is $ 50 per month, your DOLP…
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Over the past several weeks, I’ve spent a lot of time streamlining our finances. As part of this process, I went into our taxable investment account and shut off the automatic dividend reinvesting feature.
I know, I know… Dividend reinvestment makes up a huge percentage of investment gains. On top of that, I’m a big fan of automating your finances. So what gives?
To be fair, we still automatically reinvest dividends in our tax advantaged (retirement) accounts. But out in the taxable world, there are several good reasons why you should have your dividends paid to cash and then reinvest…
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Saving for the future is important. We all know this to be a fact, nevertheless for some people saving money remains a challenging aspect of managing their finances. There are many obstacles that can make saving for the future difficult, however for most people there are two main problem areas. The first being a lack of money to apply toward savings and the second, managing savings in a way that makes reaching savings goals a reality. For an average person, these two issues rank high on the list of reasons why saving money is difficult. Overcoming these obstacles is imperative…
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The following guest post was promoted from the forums. It was written by Darrin who writes for thehappyfamily.net, and enjoys helping families achieve true happiness by applying biblical principles to their lives.
Yesterday we looked at the pros and cons of picking up a part-time job as a means to get some additional income. Today we are looking at the pros and cons of starting a small business.
Starting a Small Business – Pros
Flexibility
This is one of the most appealing aspects of starting a small business. You are usually not tied down to any certain schedule and generally have more…
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Earlier this month, Sarah returned to her work after an eight month unpaid maternity leave. Her return changed the flow of things around our house. Suddenly, I was back in the position of spending a lot of one-on-three time with the children, particularly during the workweek. This obviously has altered how and when I’m able to get work done and it’s made me crack down on being efficient with my work.
(An aside: every time I mention that Sarah returned to work, someone pipes in that she “had” to and that she is “supporting” me in being able to do…
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For those who try to prepay their mortgages, here's a cautionary tale from reader RM. Basically every single time that he's prepaid his mortgage, there's been a big problem. The bank keeps applying it to the future interest instead of the existing principal. The future interest is calculated based on the current principal, so that means they're having him paying extra interest that would have never accrued if they had subtracted his payment correctly!
By the way, publishing sibling Consumer Reports ran a few statistical models and found that you're probably better off financially putting extra money in a…
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Happy Friday, everyone!
After receiving several emails over the last year or so regarding my S&P 500 “Fun Facts” post from 2007 (and a follow-up here), I decided to update the data to reflect 2010′s numbers. The information will go live on Monday morning. Hey, I have to give you something to look forward to.
I’ll also announce the winner of the latest AFM Giveaway on Monday morning so there’s still time to enter if you haven’t done so already.
