I'm a college student who will potentially work on campus and have been wondering should I start saving money for retirement? Is this too early or should I start saving after I graduate and work a full time job?

Since you are still in college, I suspect you also have student loans. Use your paycheck to cover educational expenses. You can wait till you graduate and get a full time job to start a retirement account.

Hopefully, the job will have a good 401K program that you can max out.

The sooner you get into the habit of saving, the better. If you can start with $50 per month fine, in 2 months add $2.00 more to it. When you get your tax refund, put all or as much as you can away. I didn't start savings until I was 28(that's when I got married). My wife forced me to give her money every time we got paid and I'm glad she forced me into it. Been married 35 years and we still do it.

It is never too early. And you will benefit greatly by starting now. The compounding interest alone, could net you millions. People who start in their 30's are at a greater disadvantage than people who start saving in their 20's. Sounds like you smart. Do yourself a favor and start saving now!

Start when you can afford to set even a little aside, IRA & 401K's have yearly contribution limits so even if you only set aside $500 per year that money should double every 8 years

What age should you start saving money for retirement?

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Hi there … Assuming one gets the same yield (pre-tax) from money market mutual funds & on-line savings accounts, is there any advantage of one over the other? For example, is the tax treatment of earnings different? Apart from feedback, if u can refer me to any article/publication, that would be gr8 too. Thanks, in advance, for your help!

Money market mutual funds versus On-line savings account?

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google how to build a shed

Use patience building it or you may spend more time fixing errors. What type of siding? board & batton, T-111? Using a nail gun saves time, using an airless sprayer to seal or stain also saves time. Allow some air to circulate under the shed to keep any dampness from damaging it. If this is your 1st time it will take longer than anticipate

I am finally building my first small plumbing shop and originally thought about building it myself. My father-in-law and I are both "construction-minded" individuals BUT the price difference between us doing ALL the labor and material costs still was more than what a simple metal building would cost and they come put it up in a day. So, the lot is graded and the building is ordered. Just waiting on my shop to arrive in a couple of days.

Home Shed Building – Any Easy Ways to Save Time & Money while Building my own Shed?

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Finances have always been something that makes a relationship harder. The Great Recession has made this stress worse. Couples fighting about finances are more likely to split up, as outlined by a recent study. Relationships could be hurt by money. Luckily, money helps relationships when it is discussed. Trouble comes from not talking about the money even though nobody wants to really talk about it. Resource for this article – Relationship advice- talking about money is a good strategy by Personal Money Store

Couples avoid talking about money

It makes sense that a survey by American Express Spending & Saving Tracker shows 91 percent of couples avoiding the topic of finances considering the most stress for one 3rd of all couples comes from money itself. The Wall Street Journal reports by Ruth Mantell that numerous individuals know more about their spouse’s weight than they do about how much that person makes at their job. Couples now are talking about money more since financial strategy has become so much more important.

Talking about finances helps relationships

It makes sense that most couples do not want to talk about their finances. The same American Express Survey found that 45 percent of the couples responding said talking about money resulted in arguments. From Forbes, Emma Johnson feels that a relationship could be improved also with financial strategy. Saving, spending, earning interest or even personal finance are areas where couples can bond.

Bad times makes for arguments

It is really hard to bond over personal finance. A survey of 1,000 Americans was done by StrategyOne that showed 77 percent changing their life because of the Recession. More Americans are getting angry easier, getting depressed, and screaming and yelling more often. The recession is causing individuals to delay getting married, having kids or retiring.

Finance discussions beginning

Financial reasons are keeping people, as outlined by StrategyOne, from getting divorces also. So possibly that buys some time for couples to work on their personal finance situation. Five money tips were given to couples by Mantell’s article. The first thing is to start talking about things. Changes are easier when these couples are working together. Couples need to fess up to each other about their spending and their assets. You may just need to cancel vacations and watch for a new job.

Team playing with finances

All couples fight about money. When a couple works together with finances, the Johnson Forbes article suggests, their relationship gets stronger. The relationship may be better after learning about each other’s habits when it comes to spending. Money tasks being separate make communication and relationships as a whole better. Maybe couples will do better when they have the exact same goals when it comes to spending.

marketwatch.com/story/five-money-tips-for-couples-in-tough-times-2010-07-20?pagenumber=2

Emma Johnson at Forbes

forbes.com/2010/07/15/marriage-money-fights-couples-relationships-forbes-woman-net-worth-family-finances_2.html

prnewswire.com/news-releases/strategyone-public-opinion-survey-impact-of-great-recession-widespread-more-than-just-finances-affected-97574429.html

Tags: finances and marriage, financial strategy, financial stress, relationship advice

This entry was posted on Monday, July 26th, 2010 at 12:33 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Relationship Advice- Talking About Money Is A Good Strategy

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The $154,000 price tag for the new lights was funded via the special taxing district in which that part of 175th Street sits, and technicians with the Homewood public works department figure the lights will save the village money in the long run.

The new lights come with a 10-year warranty vs. the two-year life span of the sodium bulbs. Plus, the LED lights cast a much brighter illumination on the street below but manage to do so using about half the energy – and that’s at full power – said Harry Hammock, a utility technician for the village.

“We figure we’ll cut about $2,800 off the electric bill (per year) on the 175th Street project,” Hammock said.

The newer lights consist of more than 1,400 diodes on panels that can be pointed to specific areas. That allows the light to be cast directly on the street rather than dispersed elsewhere as with sodium bulbs, said Joe Mancini, another utility technician for the village.

“Plus, it’s white rather than amber, so it’s brighter,” Mancini said.

The lights themselves cost about the same as new sodium lights would have cost.

“We said, ‘Let’s do LED and see what happens.’ Now we won’t have to replace a bulb for 10 years,” Hammock said.

The lights, the last of which were installed last week, come with a “midnight dimming” feature that tones down the light at certain hours when there is less traffic.

Joe Archibald, owner of Archibald & Meek, marketers for the LED lights’ manufacturer, Hadco Lighting, said the quality of the dimmed light is better than the sodium lights because the light is being delivered more efficiently to the road area.

Public works director John Schaefer said that feature will not be used right away.

“We want to get the lights up and running. We need to be sure they’re working before we phase in the dimmer,” he said. “But we’ll eventually use it; it’s very energy efficient.”

The new lights are on top of aluminum poles replacing steel ones. Hammock said the newer poles are less likely to rust and have a black powder coat on each.

“That will help keep a newer, more attractive look,” he said.

Schaefer said to the best of his knowledge, Homewood is the first Southland community to install this type of lights.

Josh Kauffman, a spokesman for the Illinois Department of Transportation, said the department is evaluating the effectiveness of LED lighting on highways.

“IDOT always has an interest in use of energy-efficient and environmentally friendly tools to improve safety on roadways,” Kauffman said.

A different type of ‘green’ light in Homewood

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If you’re new here, you may want to subscribe for free email updates or sign up for my RSS feed. Thanks for visiting!

Here’s a round-up of some of the best in diaper deals and diaper coupons this week, with thanks to Budget Saving Mom and Frugal Fritzie.

Make sure to browse the coupons to see if there are new diaper coupons ones that you want (that aren’t already mentioned below):

CVS:

Pampers Baby Dry, Swaddlers or Cruisers Diapers 48-96 ct. $21.99Get $10 extra care bucks$2/1 Select Pampers Diapers, exp. 7-31-10 (P&G 07/04/10)$1.50/1 Pampers Diapers or Pants, exp. 7-31-10 (P&G 07/04/10)$2/1 Pampers Swaddlers Diapers, exp. 7-31-10 (RP 06/20/10)$2/1 Pampers Cruisers, exp. 7-31-10 (RP 06/20/10)$4/1 Diapers and Wipes, any printing on CVS receipts (store coupon)Final price as low as $5.99 plus the cost of wipes

Rite Aid:

Luvs family pack diapers $16.99Get $2 +UP Rewards$2/1 Luvs Diapers, exp. 7-31-10 (RP 06/27/10)$1/1 Luvs Diapers printablefinal price as low as $12.99

Diaper Deals and Diaper Coupons: July 25 – July 31, 2010

Popularity: unranked [?]

Everyone these days is looking to find ways to save money. Many of the ways we have discovered in our family of six can help others. These changes are easy to make and no one needs to go living off the grid to do it. Instead these 10 easy and simple changes can net big results.

1. Eating on a Budget: Food can really eat up more of your money that you think it will. When we did not go in with a plan, budget, and cook more at home we spent tons of extra money. I swear we spent just as much if not more money before we had kids as we do now that we are a family of 6. Before we bought lots of frozen meals, did not plan or budget & we ate out more. Changing those habits alone was a massive cost savings.

2. Utility Budget Plans: We realized that we had months were some utilities were higher and others were very low or nonexistent. We called & found out we could do a budget plan. This means we pay the same amount of money every month & we know exactly how much to budget. If you are not able to do a bud­get plan with the company, then create your own budget plan & stick to it. Factor in paying the same amount every month & pay it.

3. Turn down the thermostat: OK, I know everyone says to do this, but seriously it can add up. We just turned it down by 3 degrees and we are still comfortable. No one is freezing his or her “tushie” off & we save money on our bill.

4. Turn off the TV: Not only does the TV use extra energy and that will add up on the electric bill increasing your utility costs but it also is a time sucker. Turning it off a few hours a day gives you more time to do things (like cook at home, read a book, get outside to enjoy some fresh air) and it saves money.

5. Check out your local libraries: I use to spend so much money on books. Now I make use of the local libraries & do not spend a penny. Our libraries also allow you to use your card at a variety of different public libraries. It is great for the kids and creating a day out as well. Just make sure you are turning the books back in on time.

6. Drink Water: When you drink water more often you save money on filler drinks like soda/pop and you get to see if you are really hungry or if you are eating out of boredom saving money on extra food. It also helps you feel better to rehydrate & you might lose a few extra pounds that those drinks are adding on.

7. Cancel any unused memberships and extra services: If you are one of those folks who has a membership that is going to waste to the gym or some other service then cancel it. We had a service that was automatically billed and it was to have a debit card. But it was an account we do not use, it is only a savings, while it was a small fee a month it added up over the course of a year. Canceling that fee saved money that can now stay in our savings.

8. Distinguish a need from a want: Probably the hardest thing in our materialistic culture. I know I struggle with this but taking an extra two minutes can make a huge difference. Ask yourself if you need what you are buying? Do you already have something that would work? Could you wait to buy it and come back a week later? Often you will find that you do not want it a week later. It helps with impulse want buys to do this, Target & Costco were my places that I had the worse time with. I would see something; think it was a need when really it was a want. For Hubby I is Home Depot, we all have our weak spots.

9. Shop with a list: We use this when shopping for groceries and anything else now. It is another tool to distinguish a need from a want & keep us on track. It only takes a few seconds to make a list but it can save hours of worry over a bill or shortage on cash later in the month.

10. Use Cash: A good way to save money because when you have cash, actual paper money in hand, you spend less. Handing over cold hard cash for purchases makes us think about the purchase more and we are more likely to shop within our means. Debit cards, even though they come out of our bank accounts, do not have the same outcome for us. I know that for Hubby he did not think about the little purchases on that debit card (that add up!) but with cash in hand he does. We also think more about big purchases if we are using cash versus credit or even a debit card.

I hope these 10 simple and easy ways to save money help you and your family.

10 Simple & Easy Ways For a Family to Save Money

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Money for beginners: Child’s pay

11:32am Friday 16th July 2010

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THIS is an urgent call to parents whose children have money in a Child Trust Fund. You need to act now to ensure they get a decent return, as the scheme has been semi-kiboshed and the signs aren’t good.

Unsurprisingly, this flagship Labour scheme to give free cash to every UK child, poor or rich, was scythed down as part of George Osborne’s mammoth spending cull. Yet confusion is now rife as to how it’ll work going forward.

The scheme may be semi-buried, but it isn’t completely dead and millions of parents of under-sevens may need to act to ensure their child’s cash is still working for them. So here’s a Q&A to ensure you know exactly what to do.

What are Child Trust Funds (CTFs)?

They’re a tax-free wrapper for you to save or invest for your child where you can put up to £1,200 a year. The big boon was that the state also added a £250 voucher or £500 for families on low income when a child’s born, and again when the child reached seven. That means each child gets free cash of between £500 and £1,000. Though, of course, that’s all about to change.

Why was it introduced?

Labour’s aim was a touch of social engineering. The idea wasn’t just a hand-out, but also to teach children some financial responsibility and independence, as well as promote a “college savings fund” here in a similar way to the US.

I must admit, I’ve never been that much of a fan, not the free cash, but the structure of the system. The main problem is that on a child’s 18th birthday, they gain full responsibility of the cash, which actually risked leaving parents in a difficult position.

While it sounds harsh, when looking at an adorable baby wrapped in swaddling cloth, who knows whether your child will be a socially and fiscally responsible 18-year-old.

As one parent said to me, “what do I do if they’re a drug addict and they spend all the cash?”

Understandably, such concerns have put many parents off and they have just used their own tax-free ISA allowance as an alternative.

When will it be scrapped?

From August 1, the Government will stop all free cash payments to seven-year-olds and, at the same time, slash payments for newborns to £50 or £100 for low earners. Then all free money stops from January 1.

What happens to existing Child Trust Funds?

There’s no change. The Government will still to allow people to save up to £1,200 a year tax-free each year.

Money that has already been put into Child Trust Funds can stay there earning money tax-free.

What will happen to rates?

This is where we need a really big warning. Ultimately, they are likely to become bit-players in the personal finance market, much as old TESSA money did when ISAs were introduced. So my suspicion’s that rates will plummet, as there will be very little need for providers to compete for business. So, from now on, if your children have money in Child Trust Fund, it will be worth keeping a close eye on it to make sure that the rate is decent.

Sadly, if all rates were to plummet, you’re stuck, you cannot withdraw money once it’s in a CTF, it belongs to your child and it must stay there until they’re 18.

How do I get the best rate?

Simply transfer the cash to a better payer. To do that, just pick a new provider and ask it to move the money across for you. The current top payer is the Yorkshire Building Society, which pays three per cent AER, which includes a year-long 0.7 per cent bonus. It can be opened in branches or by phone.

The next top payer is the Chorley BS, which pays 2.9 per cent AER and the account can be opened by post via downloading an application form from its website or in branches.

Got an unused voucher sitting there?

If you’ve got a newborn and have just received a voucher, the most important thing is that you put the money somewhere quickly. If you don’t do it, it’s not earning interest, so even if you get it in anywhere, then transfer it. At least you’ve started the process. There’s no point in letting it just sit there. You are throwing money away.

What about investment Child Trust Funds?

The other option with a CTF is put it in investment rather than savings products. In other words, how it performs relates to how stocks and shares the investment is based on do.

At this point I’ll hold my hands up and say I don’t cover investments, it’s simply not my area. As long as you are prepared to take a risk that the cash may shrink, in the hope it will grow more quickly there’s nothing wrong with doing it. Over 18 years, you’d typically expect the stock market to out-perform savings accounts, but there’s no guarantee.

If the money’s not integral to your family finances, and you are happy to take a gamble with it, you may as well put your child’s cash into an investment- based Child Trust Fund.

However, if it’s the only cash your child is likely to have access to, you may want to play safe and go for a savings account.

iPhones aren’t money-saving, but if you’re determined to get one, Tesco Mobile offers a 16GB iPhone at an upfront fee of £349, then £20 per month. Over the 12 month contract it averages £49 per month. You get 250 minutes, unlimited texts and 1GB web-browsing, plus after a year you can switch to cheaper deals for further savings. For all the details, visit monesavingexpert.com/iphone

1p London hotel rooms

A new hotel in Westminster has rooms for 1p a night, from August 30 to April 30 next year. There are 1,000 at 1p available throughout July – book via tunehotels.com. Sign up to Tune Hotel’s Facebook page to get alerts when the rooms go on sale.

■ TV money guru Martin Lewis runs the consumer revenge website MoneySavingExpert.com. Ensure you get his weekly email so you’re constantly saving money.

Have vegetables, will travel…

FOOD lovers have the opportunity to enjoy delicious meals straight from the fields this summer when Riverford brings its Travelling Field Kitchen restaurant to North Yorkshire.

The Field Kitchen has been touring the UK since the end of May and comes to Home Farm, in Newby Wiske, near Northallerton, between August 5 and 15 to serve lunches and suppers for the public.

Riverford is the fastest growing veg box scheme in the country and delivers fresh produce from Home Farm to customers across Yorkshire and the North-East.

The Travelling Field Kitchen is based on the original award-winning Riverford Field Kitchen restaurant in Devon, where Sunderland-born head chef Jane Baxter has been cooking up a storm since 2005, taking what is best in the fields and transforming it into a feast of fantastic flavours.

The roving restaurant aims to encourage people to become passionate about cooking and use fresh local ingredients.

Peter Richardson, owner of Home Farm, says: “We are on a mission to get Britain using fresh, seasonal vegetables again.

Although seasonal produce is very in vogue, we believe that after 40 years of neglect very few people have the culinary skills to commit to cooking with fresh ingredients every day. We want to show people just how exciting cooking from scratch with seasonal produce can be and inspire them back into their kitchens.”

Riverford veg boxes come complete with a weekly newsletter including recipe suggestions to inspire people to cook with ON THE MOVE: The travelling restaurant local, fresh produce. riverford.co.uk

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<a href="http://www.thenorthernecho.co.uk/features/8276533.Money_for_beginners__Child_s_pay/tag:news.google.com,2005:cluster=http://www.thenorthernecho.co.uk/features/8276533.Money_for_beginners__Child_s_pay/Fri, 16 Jul 2010 15:35:05 GMT 00:00″>Money for beginners: Child’s pay (From The Northern Echo)

Popularity: unranked [?]

I'm trying to make money to save up for something, but I don't know what's a good job to do. What are some fast and easy ways to make money?

check this site out: http://rockacash.webs.com

hey, im 14 years old and i tried this site yuwie.com! its like myspace or facebook but better. because you get paid! i didnt believe it but it seriously works in my first month, i made 52 dollars and change!! this site works so to sign up today, visit http://ww1.yuwie.com/signup.asp?id=781527&r=781527&linkid=34853
Hope this helps!!

What are some easy ways to make money as a kid?

Popularity: unranked [?]

Money for beginners: Child’s pay

11:32am Friday 16th July 2010

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• Email
• Share

THIS is an urgent call to parents whose children have money in a Child Trust Fund. You need to act now to ensure they get a decent return, as the scheme has been semi-kiboshed and the signs aren’t good.

Unsurprisingly, this flagship Labour scheme to give free cash to every UK child, poor or rich, was scythed down as part of George Osborne’s mammoth spending cull. Yet confusion is now rife as to how it’ll work going forward.

The scheme may be semi-buried, but it isn’t completely dead and millions of parents of under-sevens may need to act to ensure their child’s cash is still working for them. So here’s a Q&A to ensure you know exactly what to do.

What are Child Trust Funds (CTFs)?

They’re a tax-free wrapper for you to save or invest for your child where you can put up to £1,200 a year. The big boon was that the state also added a £250 voucher or £500 for families on low income when a child’s born, and again when the child reached seven. That means each child gets free cash of between £500 and £1,000. Though, of course, that’s all about to change.

Why was it introduced?

Labour’s aim was a touch of social engineering. The idea wasn’t just a hand-out, but also to teach children some financial responsibility and independence, as well as promote a “college savings fund” here in a similar way to the US.

I must admit, I’ve never been that much of a fan, not the free cash, but the structure of the system. The main problem is that on a child’s 18th birthday, they gain full responsibility of the cash, which actually risked leaving parents in a difficult position.

While it sounds harsh, when looking at an adorable baby wrapped in swaddling cloth, who knows whether your child will be a socially and fiscally responsible 18-year-old.

As one parent said to me, “what do I do if they’re a drug addict and they spend all the cash?”

Understandably, such concerns have put many parents off and they have just used their own tax-free ISA allowance as an alternative.

When will it be scrapped?

From August 1, the Government will stop all free cash payments to seven-year-olds and, at the same time, slash payments for newborns to £50 or £100 for low earners. Then all free money stops from January 1.

What happens to existing Child Trust Funds?

There’s no change. The Government will still to allow people to save up to £1,200 a year tax-free each year.

Money that has already been put into Child Trust Funds can stay there earning money tax-free.

What will happen to rates?

This is where we need a really big warning. Ultimately, they are likely to become bit-players in the personal finance market, much as old TESSA money did when ISAs were introduced. So my suspicion’s that rates will plummet, as there will be very little need for providers to compete for business. So, from now on, if your children have money in Child Trust Fund, it will be worth keeping a close eye on it to make sure that the rate is decent.

Sadly, if all rates were to plummet, you’re stuck, you cannot withdraw money once it’s in a CTF, it belongs to your child and it must stay there until they’re 18.

How do I get the best rate?

Simply transfer the cash to a better payer. To do that, just pick a new provider and ask it to move the money across for you. The current top payer is the Yorkshire Building Society, which pays three per cent AER, which includes a year-long 0.7 per cent bonus. It can be opened in branches or by phone.

The next top payer is the Chorley BS, which pays 2.9 per cent AER and the account can be opened by post via downloading an application form from its website or in branches.

Got an unused voucher sitting there?

If you’ve got a newborn and have just received a voucher, the most important thing is that you put the money somewhere quickly. If you don’t do it, it’s not earning interest, so even if you get it in anywhere, then transfer it. At least you’ve started the process. There’s no point in letting it just sit there. You are throwing money away.

What about investment Child Trust Funds?

The other option with a CTF is put it in investment rather than savings products. In other words, how it performs relates to how stocks and shares the investment is based on do.

At this point I’ll hold my hands up and say I don’t cover investments, it’s simply not my area. As long as you are prepared to take a risk that the cash may shrink, in the hope it will grow more quickly there’s nothing wrong with doing it. Over 18 years, you’d typically expect the stock market to out-perform savings accounts, but there’s no guarantee.

If the money’s not integral to your family finances, and you are happy to take a gamble with it, you may as well put your child’s cash into an investment- based Child Trust Fund.

However, if it’s the only cash your child is likely to have access to, you may want to play safe and go for a savings account.

iPhones aren’t money-saving, but if you’re determined to get one, Tesco Mobile offers a 16GB iPhone at an upfront fee of £349, then £20 per month. Over the 12 month contract it averages £49 per month. You get 250 minutes, unlimited texts and 1GB web-browsing, plus after a year you can switch to cheaper deals for further savings. For all the details, visit monesavingexpert.com/iphone

1p London hotel rooms

A new hotel in Westminster has rooms for 1p a night, from August 30 to April 30 next year. There are 1,000 at 1p available throughout July – book via tunehotels.com. Sign up to Tune Hotel’s Facebook page to get alerts when the rooms go on sale.

■ TV money guru Martin Lewis runs the consumer revenge website MoneySavingExpert.com. Ensure you get his weekly email so you’re constantly saving money.

Have vegetables, will travel…

FOOD lovers have the opportunity to enjoy delicious meals straight from the fields this summer when Riverford brings its Travelling Field Kitchen restaurant to North Yorkshire.

The Field Kitchen has been touring the UK since the end of May and comes to Home Farm, in Newby Wiske, near Northallerton, between August 5 and 15 to serve lunches and suppers for the public.

Riverford is the fastest growing veg box scheme in the country and delivers fresh produce from Home Farm to customers across Yorkshire and the North-East.

The Travelling Field Kitchen is based on the original award-winning Riverford Field Kitchen restaurant in Devon, where Sunderland-born head chef Jane Baxter has been cooking up a storm since 2005, taking what is best in the fields and transforming it into a feast of fantastic flavours.

The roving restaurant aims to encourage people to become passionate about cooking and use fresh local ingredients.

Peter Richardson, owner of Home Farm, says: “We are on a mission to get Britain using fresh, seasonal vegetables again.

Although seasonal produce is very in vogue, we believe that after 40 years of neglect very few people have the culinary skills to commit to cooking with fresh ingredients every day. We want to show people just how exciting cooking from scratch with seasonal produce can be and inspire them back into their kitchens.”

Riverford veg boxes come complete with a weekly newsletter including recipe suggestions to inspire people to cook with ON THE MOVE: The travelling restaurant local, fresh produce. riverford.co.uk

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<a href="http://www.thenorthernecho.co.uk/features/8276533.Money_for_beginners__Child_s_pay/tag:news.google.com,2005:cluster=http://www.thenorthernecho.co.uk/features/8276533.Money_for_beginners__Child_s_pay/Fri, 16 Jul 2010 15:35:05 GMT 00:00″>Money for beginners: Child’s pay (From The Northern Echo)

Popularity: unranked [?]