The A-Z of Saving Money eBook Giveaway

Posted on March 18, 2013 by Jeremy

Recently a blogger friend contacted me about helping promote his new ebook. The cool thing about this ebook is that it is a collaboration with numerous other personal. So I gladly agreed to help them out.

I have to admit there was a bit of jealousy on my part since the group of bloggers was almost all friends of mine. What, no Modest Money included?? Then again I know why I wouldn’t be. In the last several months I’ve been publishing far more guest posts than my own writing.

Also I’ve been declining a lot of writing gigs due to lack of time. So maybe I said no to them and I just don’t remember. I don’t think that was the case, but I’ll tell myself that to feel better

Anyways, even though I’m not included, they’ve brought together some solid bloggers for this ebook. I’m sure it’s packed full of solid advice and awesome money saving tips. This ebook is titled The A-Z of Saving Money and retails for $14.99. Continue reading →

How The Trillion Dollar Student Loan Crisis Will Affect Everyone

Posted on March 15, 2013 by Guest

Photo: noahwesley

The following is a guest post. If interested in submitting a guest post, please read my guest posting policy and then contact me.

The Trillion Dollar Student Loan Crisis continues to grow, causing political and personal strife across the country.

The student debt crisis passed a major milestone reaching 1 trillion dollars in 2012 according to the WSJ and New York Federal Reserve.

But what does 1 trillion dollars in student debt mean for you? Is it a new sub-prime equivalent bubble or is it just a reflection of the need for people to be more educated in today’s economy?

Student Debt Doesn’t Just Affect Students

By most estimates, 1 in 5 American households are now living with student debt. The Chronicle of Higher Education puts the percentage of new students who attend college at approximately 20 million per year, and of those about 12 million take out student loans of some sort to help cover the cost. Continue reading →

3 Important Insurance Coverages Most People Miss

Posted on March 14, 2013 by Guest

Photo: Meagan

The following is a guest post. If interested in submitting a guest post, please read my guest posting policy and then contact me.

1. Natural Disaster Supplements

Your homeowner’s insurance will pay out if for damage from basic accidents, some weather damage, theft or burglary, vandalism, and from judgments against you if sued when somebody is injured on your property. This leads many to believe their homes are covered from all accidents, but this just isn’t so. If a particular kind of natural catastrophe is common in your area – such as a hurricane in Florida or an earthquake in California – your policy will likely specifically exclude damage from that kind of disaster.

Since natural catastrophes can completely destroy your home and everything inside it, you should get coverage that will pay out under those circumstances. In some cases, you can get a rider on your existing policy, from your current insurer, or from a company that specializes in disaster coverage. In areas where those options aren’t available, the federal government usually offers some kind of protection at a reasonable cost.

2. Disability Coverage

Life insurance takes care of your family if you can’t earn a living because you’re dead, which is why most working people have some kind of life policy in place, but death isn’t the only way to lose your ability to earn. Injury or serious illness can also leave you unable to work. Disability insurance protects you by paying a portion of your wages while you recover. Continue reading →

Importance of Blog Statistics

Posted on March 13, 2013 by Jeremy

Check out my new guide for starting a blog to learn how to go about properly creating your own blog.

As I mentioned in my last blog update post, I’ve decided that I need to get back to writing more content myself. Since the guest writers are doing an awesome job covering finance topics, I figure now is a good time to bring back some more blogging tips posts.

Hopefully this series will continue helping fellow bloggers and those considering starting a blog.

Check out some of the previous posts from this series:

This week I’ll be writing about something that has been on my mind a lot more recently. Well it’s constantly on my mind while focusing on my blog, but this past 2 weeks, it’s been brought to the forefront. Continue reading →

It’s Not Snake-Oil, It’s Common Sense

Posted on March 12, 2013 by Guest

Photo: rockindave

The following is a guest post. If interested in submitting a guest post, please read my guest posting policy and then contact me.

Have you noticed lately that the classical personal finance advice that you’ve come to know and rely on — create an emergency fund, spend less than you earn, invest in the market, etc. — has come under attack? Take this new book out from Helaine Olen, whose Amazon rundown describes the author bravely going “behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated.”

And what, you may be thinking, are some examples of these myths and lies? Well, apparently it’s a myth that by keeping your spending in check and avoiding consumer debt, you can greatly improve your personal financial situation. News to me! You see, per Olen, the reason that most Americans are in dire financial straits is through no fault of their own — they are merely the victims of larger macroeconomic forces beyond their control.

Enter Felix Salmon of Reuters, who has now taken up this same cause. In his column — “The invidious reach of personal-finance snake oil” — Salmon puts forth a very similar argument:

If we don’t have money it’s not our fault: household net worth has been falling as living expenses have been rising and median incomes have been stagnating. There are deep structural reasons why most Americans don’t have any real savings; those reasons explain substantially all of the problem. Continue reading →

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