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Archive for 'Life' Category

Saying 'I do' to joint checking and credit accounts

Published 5/28/12  (Modified 6/21/12)

Saying 'I do' to joint checking and credit accounts By Justin Boyle

Earlier this year, a couple of my good friends got married to each other. After a a few months and the initial jubilation passed, the time came to turn their attention to the more business-like aspects of sharing their lives -- and their finances...

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Logging on for love: What's the catch with online dating sites?

Published 1/31/11  (Modified 3/22/11)

Logging on for love: What's the catch with online dating sites? By Peter Andrew

Time was when it was, "In the Spring a young man's fancy lightly turns to thoughts of love." Nowadays, young and old, male and female seem pretty focused on the subject year-round, although Valentine's Day may well trigger many to seek out their perfect partner through an online dating site. But at what cost?

How not to get dates

When I was on the dating scene, in the days before the web, I had a tried and tested five-step process for attracting new partners:

  1. Meet friends at appropriate bar/club
  2. Pick from a distance the person/people I wanted to chat with
  3. Drink bladder-bursting quantities of beer in order to build up Dutch courage
  4. Eventually, stagger across to the object of my desire, and slur--in a haze of foul alcohol fumes--some corny chat-up line
  5. Receive a withering put-down/slap/false phone number

Yes, it was tried and tested, and it almost invariably failed.

How to get dates

If I were in the market for a new lover now, I'd save a fortune in bar tabs, and do my liver an enormous favor. Because I'd almost certainly try online dating. And why not? It sure can work: the last two weddings I've attended have both been the result of Internet encounters through matchmaking websites, and one 2010 study suggested that 17 percent of new marriages over the previous year had come about this way.

But what I would save in beer, I could easily spend on dating site fees. Because online dating can be quite expensive.

Putting a price on love

It's not

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Frugal ways to be sexy on Valentine's Day

Published 1/31/11  (Modified 1/3/12)

Frugal ways to be sexy on Valentine's Day By Jim Sloan

Plan a beautiful Valentine's Day this year but with a difference Read the full article »

6 signs your date is a financial dud

Published 1/27/11  (Modified 3/22/11)

6 signs your date is a financial dud By MoneyBlueBook

Dating is like walking on a minefield: You never know what your next step will bring. Now to make it even harder, dating experts are adding a new twist.

It used to be as easy as intuition, dinner and a movie, but now experts say that financial compatibility is an important factor in finding the right person. If turns out that if the man or woman you are dating is a financial mess, they can take you down with them.

If you survived the dating battlefield like me and are now married, you probably have some of your own war stories. But if you are still out there in dating never-never land, you may need a little help. I can give you a few tips on how to figure out if your date is a financial dud.

You just have to read the signs:

1. Overspends like crazy

If your date keeps trying to impress you with how much everything they own costs, you might think twice about your future with them. Wild spending can lead to all kinds of financial problems as witnessed by the record number of mortgage defaults and credit card delinquencies seen in the last couple of years. If your date seems overly impressed by their own spending, it may be that they are forgetting an important fact: Eventually they have to pay for it all.

2. Leases to impress

Although it is not a set rule, in most

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Investing tips for today: Q&A with money expert Saly Glassman

Published 8/9/10  (Modified 3/8/11)

By Barbara Marquand

In the wake of the financial meltdown, top money expert Saly Glassman says investors need to take responsibility of their finances and get their investments back on track. Glassman, ranked the nation's No. 1 woman financial advisor by Barron's, is author of "It's About More Than the Money: Investment Wisdom for Building a Better Life" (FT Press: 2010).

We recently chatted with her about today's hot personal money management issues, from coping with losses to investing independently with discount brokers.

MoneyBlueBook.com: What's your advice for investors coping with losses?

Saly Glassman: The best way to deal with a loss is to step back and make an unemotional evaluation of what happened. By looking with more objectivity at the situation, you can analyze what role you played in contributing to that loss. Were you overextended with your borrowing? Did you have unrealistic expectations with that return? Did you not save enough? Did you not do enough research on the kind of investments you were buying and the person who was advising you? Ask yourself, "What role did I play in the loss that I incurred?"

If you say, "It's everybody else's fault," where does that take you? How can you be part of the solution if you had nothing to do with the problem?

MBB: What are the biggest mistakes investors have made in the last two years?

Glassman: Common mistakes

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Overcoming Spending Anxiety: When Financial Planning for Retirement Isn't Enough

Published 7/14/10  (Modified 3/8/11)

By MoneyBlueBook

This is a guest post from Marc Pearlman.

Back in the early to mid-1990s I made my living by sitting in front of computer monitor with green and red glowing pixels that flashed stock and commodity prices. I was an off-the-floor stock and commodity trader, and in my world, green and red meant everything. Green meant I was making money, and red meant I would be drawing out of my savings to pay for monthly expenses.

Fortunately for me, I was given some sage advice from a wealthy mentor of mine who was about 25 years my senior and knew of an obstacle that I was likely to encounter. I still remember his wise words: "Kid, make sure you put money into an account you can draw from when times are lean--and expect some lean times. It's part of the game."

Even though I heeded his advice, there was one thing I didn't account for: the feeling I'd have when trekking to the bank to withdraw those savings. While I had been diligently depositing money in my high yield savings account specifically to be drawn on when needed, the mental anguish of seeing my balance decrease--sometimes month after month--was one of the biggest challenges I had to overcome as a trader.

From Retirement Saving to Retirement Spending: Getting Past the Anxiety

Fast-forward 16 years: now I manage other people's money for a living. I'm on the phone with a client in his mid-60s who recently retired. He asks me if taking $10,000 out of

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