A combination of factors may have many workers receiving an extra paycheck in 2008. This is due largely to 2008 being a leap year and partially due to the fact that January 1st, 2009 is a bank holiday and falls on a Thursday. The leap year means that there will be 53 Tuesdays and Wednesdays [...]
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Extra Paycheck in 2008
November 17th, 2008 — , 401k, Retirement, career, company match, maximum contribution from Mike @ richerbytheday
To Borrow or Not to Borrow against a 401K
November 10th, 2008 — , 401 k, 401K Retirement, Credit Crunch, Plan for Retirement, bottom line, brainer, career, credit card debt, financial planners, foolish move, good time, high interest, income taxes, indiscretions, interest credit card, interest debt, interest loan, investment return, irs penalty, job security, loanio, money, nest egg, s market, straight to the bank from Loanio @ Loanio
Question -
Because of the credit crunch, is this a good time to consider borrowing against a 401(k) savings as a means of paying off other loans? My current 401(k) planning investment return is 5 percent, and the interest I will be paying on it is 9 percent.
Answer -
If you only really consider the numbers in [...]
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Recession Proofing Your Life
October 24th, 2008 — , In the News, american citizens, bottom line, budget, buzzword, career, credit karma, debt, downturn, economy, emergency fund, financial health, good reason, guarantees, losses, meeting your needs, occurrence, part time work, personal finance, profession, real money, recession proof, second job, stock market, turbulence, unnecessary expenses from Credit Karma @ Credit and Personal Finance Blog | Credit Karma
Right now there is a lot of talk about a recession. The financial buzzword that is out there this month is “Recession” and for good reason. It has become increasingly vital that as American citizens, we begin to understand how we can properly safeguard ourselves against the risk of a potential downturn in the economy. [...]
Related StoresHow to Keep Finances Growing
October 23rd, 2008 — , Income Streams, Job, annuity, career, extra money, financial future, high yield savings, how much money, income stream, many different ways, money, multiple streams of income, nest egg, own business, passive income streams, personal finance, real estate, streams of income, wealth from Rich Leverage @ Rich Credit Debt Loan
No matter how much money you make, for many people, it’s never quite enough. In order to get ahead, you’ll need to find a way to keep your finances growing. There are many different ways that you can grow your income, both actively and passively, and over time, these small streams can converge into a [...]
Related StoresThe 6 Most Important Financial Milestones
October 17th, 2008 — , Car, Financial Planning, buying a home, career, changing careers, debt, difficult concepts, disasters, emergency home repairs, extra money, financial consequences, financial decisions, hard stuff, housing, marriage, milestones, new goals, new money, open communication, personal finance, portfolio, promotions, spending habits, spouse work, tying the knot, workforce from Credit Karma @ Credit Karma
Whether you are tying the knot, purchasing your first home or just beginning a new career, all of these milestones are worth thinking long and hard about because they can have important impacts on your overall financial picture. As you approach each of these important financial milestones, it is vital that you take the time [...]
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The $100K Experiment
October 6th, 2008 — , $100, $100K Experiment, $100K jobs, 000 video, Ads, TheLadders.com. The Ladders, career, jobs, salary from Mike @ richerbytheday
TheLadders.com, the job site for positions in the $100K per year range, ran an interesting experiment. They placed $100,000 in a glass box and left it out in public to see the response. Hidden cameras captured what unfolded.
Watch the $100K Experiment
The idea behind their experiment (and their commercials) is that $100K draws quite a crowd. [...]
Working Two Jobs at the Same Time
October 1st, 2008 — , Alternative Income, Income Streams, career, full time job, loyalty, pensions, social security from Lazy Man @ Lazy Man and Money
CNN has an article that I find extremely interesting… some employees are working two jobs at the same time. This shouldn’t be a surprise to anyone. People are so used to multitasking nowadays that it’s hard to imagine people not working two jobs at the same time. I’m not much different. [...]
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September 16th, 2008 — , career, saving, saving money on gas, second car, selling your car from Mike @ richerbytheday
My wife and I recently cut back to having only one car instead of the two we have traditionally owned. This isn’t the first time we’ve gotten by with just one car, but it is more difficult. The last time we lived downtown in a small city and could easily walk to shopping, restaurants, and [...]
Related StoresYour Money or Your Life Book Review
August 25th, 2008 — , Book Review, Giveaway, Review, book giveaway, books, career, classic books, joe dominguez, personal finance books, vicki robin from Mike @ richerbytheday
The latest book review here at Richer by the Day is Your Money or Your Life by by Joe Dominguez and Vicki Robin.
Your Money or Your Life is one of those classic personal finance books that everyone seems to have read. After finally getting around to reading it myself, I can [...]
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August 12th, 2008 — , baseball, career, charlie zink, how to throw a knuckleball, knuckleball pitcher, knukleball, throwing a knuckleball, tim wakefield from Lazy Man @ Lazy Man and Money
I’ve mentioned in the past being a rather large Red Sox fan. Yesterday, some interesting news came out from Red Sox Nation. Tim Wakefield, the Red Sox player with the longest tenure, is injured and won’t be able to pitch as scheduled tomorrow. For those who might not be familiar with Wakefield, [...]
Related StoresWays Not Having a Job Impacts Our Personal Finances
August 6th, 2008 — , benefit health insurance, career, employee discounts, flexible spending accounts, frequent flier miles, full time job, gym membership, health insurance, tips for saving money, tuition reimbursement from Lazy Man
I read a post that made me think quite a bit this week. Madison from My Dollar Plan has a list of 15 tips for saving money while you still have a job. I looked down the list and saw things like 401k Matches, Tuition Reimbusements, Insurance - a pile of perks that people get with their jobs. Since I’ve been without a typical full-time job for a year now, I thought I’d go through the list and really see what I have given up.
401k Match - I didn’t get matched funds in either of my two [...]
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Get a Better 6?
July 14th, 2008 — , Ads, Get a Better six, bedtime, career, career family, managing your time, restful sleep, sealy posturepedic from Mike @ richerbytheday
We have long heard the positive benefits of getting more rest, yet many of us still get much less than we need. Trying to capitalize on this “reality”, Sealy Posturepedic, the well known mattress company, has a new print and media campaign urging you to “Get a Better 6.” Watch The Better 6 [...]
Related StoresNew GI Bill Offers Full Tuition for Active Service
June 30th, 2008 — , GI Bill, News, active duty, active service, career, education benefits, saving, secondary education from Mike @ richerbytheday
President Bush today signed into law an updated GI Bill that had broad bipartisan support. The new bill provides service members, who served in the military for at least three years, full tuition at any in-state public university along with a monthly housing stipend. The benefits (which are as high as $90,000) can also [...]
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New GI Bill Offers Full Tuition for Active Service
June 30th, 2008 — , GI Bill, News, active duty, active service, career, education benefits, saving, secondary education from Mike @ richerbytheday
President Bush today signed into law an updated GI Bill that had broad bipartisan support. The new bill provides service members, who served in the military for at least three years, full tuition at any in-state public university along with a monthly housing stipend. The benefits (which are as high as $90,000) can also [...]
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Carnival of Careers — Longest Day of the Year Edition
June 22nd, 2008 — , Carnivals, akemi, big boss, blogger, career, career in real estate, carreers, college leavers, day of the year, debt loan, driscoll, extra mile, favortie, first job, freelancing, longest day of the year, personal finance, real estate agent, resume writing, silicon valley, silicon valley startups, susan hilton, working from home from Rich Leverage @ Rich Credit Debt Loan
Welcome to the June 23, 2008 edition of carnival of careers. Rich Credit Debt Loan is proud to host this Carnival on the Longest Day of the Year. There were a lot of great submissions choosing only 1 favortie was too difficult… So I selected 6. May your carreers be long and shine bright.
Editor’s [...]
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Amazon Mechanical Turk - Making a Few Bucks from Home
June 17th, 2008 — , HITs, Review, amazon mechanical turk, career, human intelligence tasks, make money from home, mturk from Mike @ richerbytheday
There are some computer based tasks that computers cannot do as well as humans. Instead of hiring people full time to perform such services, many companies turn to Amazon’s Mechanical Turk website. There you can sign-up and get paid to perform simple tasks.
To get an idea of how profitable the site could be, [...]
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The Lottery as Entertainment and Education, not Investment
June 11th, 2008 — , career, entertainment, risk reward, saving, self reflection, waste of money, winning the lottery from Mike @ richerbytheday
photo credit: lisatozzi
Ask nearly any personal financial adviser about the risks and rewards of playing the Lotto and they’ll tell you the same thing: It’s a waste of money. What is often lost in that advice is that there’s more to the Lottery than the potential for riches.
In a given year, I probably [...]
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The Productivity Paradox
April 21st, 2008 — , added effort, career, direct correlation, extra money, income sources, overtime, productivity paradox, promotions from Mike @ richerbytheday
When you work for a company, you’re likely to encounter the productivity paradox, which can be summarized as follows: The more work you do, the more work you get. Being more productive, while beneficial to your company, is likely less beneficial to you. Ask most bosses if you can work fewer hours as [...]
Related StoresThe Fear of a Deadline Like April 15th
April 15th, 2008 — , April 15th, Deadlines, angst, artificial deadline, automatic extension, career, due date, filing taxes, form 4868, income tax return, stress, tax time, taxes, time crunch from Mike @ richerbytheday
Just hearing today’s date out load can send shivers down the spine of many a taxpayer. While the deadline to file your taxes may seem scary to some, it really isn’t much different than most other deadlines. Filing your taxes may invoke fear in addition to the actual time crunch, such as fear [...]
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March 13th, 2008 — , career, reaction from Mike @ richerbytheday
As part of his Motivation Monday series, David at MoneyNing spoke out against consistently taking sick days on Mondays and Fridays. His point was that using sick time to create an extended weekend won’t fool anyone, is irresponsible, and may even lead to losing your job.
I usually agree with a lot of [...]
Even Scarlett Johannson Couldn’t Keep Me Interested
January 9th, 2008 — career from Lazy Man @ Lazy Man and Money
A couple of months ago, my wife and I were taking a trip. On the flight back home, my wife started reading The Nanny Diaries. For the next 5 hours, I was subjected to comments like, “Oh my, that’s so true… listen to this…” followed by snippet from the book.
For those [...]
Continue reading → Even Scarlett Johannson Couldn’t Keep Me Interested
Is Software Development Slowly Killing Me?
November 29th, 2007 — career from Lazy Man @ Lazy Man and Money
When I was 8 years old, my parents bought the family an IBM PCjr. It was a great computer and one that I’ll always remember fondly. My brother showed me how to get to the BASIC interpreter and my parents bought programming books. And boy did I program. You name it, [...]
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The Opportunity Cost of Not Using Lending Club
September 10th, 2007 — Lending Club, career, cost, extra, generate, generated, opportunity, repeated, saved from Mike Smith @ Lending Club
When we think of the concept of an opportunity cost, we generally think of the value we could have generated by making a different choice with our money. Too often, we allow this definition to be limited by the first level of benefits that may come to mind. By expanding our level of [...]
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