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November 4, 2009, 7:40 am

Carnival of Money Hackers #89 – My Favourite Coffee Edition

by: The Financial Blogger    Category: Reviews

Welcome to the 89th Carnival of Money Hackers!

If you are new to The Financial Blogger, I suggest you read a few of our great posts:

Check out my post for a free book giveaway (winners to be announced on Friday Nov 6th).

Take it like a Man or Invest like a Woman

Primerica Reviews

Free Investing Sites

Canadian ETFs that pays dividend

If you know me, you know that I can’t start my day without a quality cup of coffee (like most of us anyway 😉 ). Since I work in a big city, I am spoiled with opportunities to try different coffees. So along with the great articles from the Carnival of Money Hackers, you will discover the top choices of coffee tasted in Montreal 😉

starbucks

#1 Starbucks Coffee – Editor’s Pick

Of all the coffee makers, if I can choose one that will make my day each time I take a sip, it has to be Starbucks. In fact, there is nothing better than a Venti Corsé! Here are the best articles from the Carnivals:

PT presents A Money Experiment: A Week Without Spending posted at PT Money.

Baker presents How I paid off $15,000 in 9 months by selling my ‘Stuff’ on Ebay posted at Man Vs. Debt.

J.D. Roth presents How to Get Your Free Credit Report Online: A Step-by-Step Guide posted at Get Rich Slowly.

Allan Inocente presents Top 10 best personal finance books of all time! posted at Rich Money Habits.

Tyler presents Opportunity is the Best Part of Opportunity Cost posted at Frugally Green.

second cup2

#2 Second Cup – Money Management

While I really like Starbucks, there are none close to my office. However, there is a Second Cup nearby that serves the best Coffee Caramelo in town! So each time I buy a Second Cup, I save time and money compared to Starbucks, this is what we call money management 😉

Fabulously Broke presents On Invoices, Receipts & Accuracy « Fabulously Broke in the City posted at Fabulously Broke ….in the City.

Super Saver presents The Benefit of not Including Bonuses in our Budget posted at My Wealth Builder.

MLR presents Quicken Home & Business 2010 Software Review posted at My Life ROI, Getting the Best Return On Life.

Tom @ Canadian Finance Blog presents 10 Money Management Tips For Expectant Parents posted at The Canadian Finance Blog.

Craig Ford presents 10 Reasons to Change Banks posted at Money Help For Christians.

vh presents Theme Days: A way to organize time posted at Funny about Money.

Bucksome Boomer presents Are you Prepared for H1N1? posted at Buck$ome Boomer’s Journey to Retirement.

Wise_Bread presents Recession Journal VI: It’s OVER!!!!!!!!!!!! Any Questions? posted at Wisebread.

debt kid presents Are You a Saver or A Spender? posted at Debtkid.com.

Susan Tiner presents Financial Organizing Soap Opera Episode #2: Mom and Dad posted at Brain Dead Simple! Financial Organizing.

café dépôt

#3 Café Dépôt – Investing

What I like about Café Dépôt, it’s their accessibility (very useful to have a coffee shop in the building when it rains/snows!) and their fidelity card. Each time you buy a coffee, you are closer to earning a free one in return… this is what I call a long term investment 😉

Matt_SF presents Why Investing in Emerging Markets Can be Dangerous posted at Steadfast Finances.

D4L presents 15 Hot Dividend Increases posted at Dividends Value.

IS presents Hedged ETF’s… good or bad? posted at Intelligent Speculator.

TradingStocks.com presents Buying Penny Stocks posted at Trading Stocks.

ABC presents “Bottoms Up” Investment Method posted at ABCs of Investing.

Mike presents 5 reasons why RIM is a buy posted at Buy My Stock Picks

Patrick @ Cash Money Life presents Best Online Brokers posted at Cash Money Life.

tim hortons

#4 Tim Horton’s – Frugality and Debt Management

It may not be the best coffee in town but their Moka is far from being bad. Since it cost about half the price of a coffee from my top 3 coffee makers, we can call it a smart and frugal choice!

elle presents How to Pay Off a Car Loan posted at Couple Money.

J. Money presents Saving Now Gives Us Mad Options Later. posted at Budgets are Sexy..

Rob presents Green Products That Save Energy | Energy Saving Gadgets posted at Energy Saving Gadgets.

andy presents Five Things To Look For in Gettting Low-Cost Auto Insurance Rates posted at Saving to Inve$t.

Chris Holdheide presents The Dave Ramsey Baby Steps Review posted at StumbleForward.com.

Manshu presents Disney Rewards Visa Credit Card posted at OneMint.

Wren Caulfield presents Homemade Pico de Gallo with Garden Tomatoes posted at True Adventures in Money Hacking.

Ray @ Financial Highway presents Best Credit Card posted at Financial Highway.

Jeff Rose presents VISA Gift Card Review posted at Consumer Boomer.

David presents Chase Freedom Credit Card 3% Cash Back Bonus posted at Credit Card Offers IQ.

Cecil Dellison presents Credit Cards and Data Mining posted at Clear Choice Credit Cards.

mcdonald coffee

#5 McDonald’s – Other

McDonald’s new Arabica coffee is surprising as it doesn’t taste like a Hamburger 😉 Seriously, you can find McDonald’s everywhere (except Iceland) and their coffee could help you make it through the day. Here are the remaining Carnival entries:

20smoney presents Sorting Through The Financial Issues That Come With Getting Married posted at 20s Money.

Studenomist presents Issues With Working In College posted at Studenomics.

Miss M presents The Freelancers Union posted at M is for Money.

freefrombroke presents Senate Possibly Extending First Time Home Buyer Tax Credit posted at Free From Broke.

Adam Williams presents Review of writing a Will on LegalZoom posted at RabbitFunds.com.

Julia Kingston presents Taking the Life out of LIFO posted at Gray Matters.

Paul Williams presents Who Should Own Your Life Insurance Policy? posted at Provident Planning.

Image source: pierofix, pixelens, majiscup, mjb84

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October 30, 2009, 5:00 am

“In Cheap We Trust”: Review and Giveaway

by: The Financial Blogger    Category: Reviews

in-cheap-we-trustIf we had to separate people into 2 different clans: The Thrifts and the Spendthrifts, I would probably be closer to the latter. Unfortunately, the thing I like most about money is spending it. However, being a husband and father of two beautiful children has helped me be more responsible financially. While I never really wasted my money, I have always enjoyed earning more to spend more in order to indulge myself from time to time.

Now that we live on a single income, I have to double my efforts to become more frugal and concentrate on priorities. I guess this is what attracted me to read more about “being cheap”, which led me to “In Cheap We Trust” by Lauren Weber.

About Lauren Weber:

The author “grew up in Connecticut with a father who rationed toilet paper, set the thermostat at 50 degrees during the winter, and rarely used his car’s turn signals (to prevent them from burning out).”

Strong from her frugal background, Lauren always had a passion for writing. She has been writing for Reuters, The New York Times, The Los Angeles Times and American Banker just to name a few. Since 2007, she has concentrated on writing “In Cheap We Trust”, a combination of personal anecdotes intertwined with social and historical data wrapped up with a political taste for frugal living.

About the book:

Lauren captivated me during the first few pages about her cheap thrills introduction. And why the word “cheap” has become so negative over time. It’s as if the amount of money spent annually has become the measure of your social class in our modern (capitalist) society.

This book uses history to bring us back to the very definition of thrift and how frugality has been an important part of our value system for a very long time. Through a well documented (sometimes too exhaustive though) research, she depicts the history of frugality since the very first person set foot on American soil.

The last decade (apparently) has brought us wealth and comfort. Yet, recent economic events show us that we, as a spendthrift nation, simply incurred a huge credit bill over these same 10 years and it is now time to pay the interest and reimburse the capital. If we had not forgotten the efforts from our ancestors in building the foundation of a strong and frugal society, we might not have hit such a brick wall in today’s recession.

I particularly liked the Paradox of Thrift revisited by Weber. The paradox of thrift was created based on the principle of the economy declining due to the fact that everybody is saving instead of spending. Technically, if consumers stop buying and save their money, it should create an economic contraction resulting in more job losses (I guess this is why Bush was telling us to take our stimulus check to go to Disneyland!).

While the premise is accurate (spending less will result in a longer and deeper recession), spending more will simply postpone the problem for a few years. It’s akin to not going to the doctor because you have the flu, instead wait until you get pneumonia. I feel that a balance between savings and spending would be most appropriate.

I also found it quite interesting to actually understand the roots of frugality and Weber’s personal stories included in her book got me thinking about how far from being thrifty I actually was. It was nice way to get into the mood to save money!

Now the Giveaway!

I actually have 10 copies to distribute amongst Gather Little By Little and The Financial Blogger readers. Each blog will giveaway 5 copies of “In Cheap We Trust”.

Participation rules:

– Comment below with a frugal tip or spending philosophy (1 entry per comment).

Follow me on twitter (1 entry)

– Register to my free mailing list (on top right of the site)

– Register to my RSS feed (1 entry)

You can actually participate on both sites by commenting.

The giveaway winners will be announced on Friday, November 6th.

If you liked this articles, you might want to sign for my FULL RSS FEEDS. Then, you will get my daily post to your email and can read it at any time. To subscribe CLICK HERE

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October 22, 2009, 4:30 am

29th Carnival of Pecuniary Delights – Money and Songs Edition

by: The Financial Blogger    Category: Reviews

Welcome to the 29th Carnival of Pecuniary Delights – Money and Song Edition!

If you are new to The Financial Blogger, please take a look at a few of our best articles:

Primerica Review

2009 Best Stock Contest

How To Find A Good Financial Advisor Series

Now, on to this Song and Money Edition!

nickelback-all-the-right-reasons– Editor’s Pick – Rock Star – Nickel Back

I am not a big fan of Nickel Back, but I am married, so I hear them from times to times 😉 I actually like the song Rock Star just because we all want to become a “rock star” in some fields. It’s great to think about all the money and dream you can realize when you are one ;-). So here are the editor’s pick for this Carnival:

Baker from Man Vs. Debt presents Is Christianity the Only Path to ‘True’ Financial Peace?.

5 Money Savings Tips for a Wedding by Gather Little By Little.

Jim from Bargaineering presents How to Find Affordable Health Insurance.

PT from PT Money presents 52 Ways to Make Extra Money.

FMF from Free Money Finance presents The Whip Cracks Both Ways.

americanaPersonal Finance – Americana – The Offspring

The American Dream is going side ways: “My rights are denied by, Those least qualified, Trading profit for pride, But it’s, it’s okay, Everything’s backwards, In americana my way“. We now have to manage our personal finance in this “new” form of capitalism:

Matt B from Financial Methods presents The Double Dipper-It’s a Question of Ethics.

Craig Ford from Money Help For Christians presents 15 Ways To Make Money on Ebay.

Tom @ Canadian Finance Blog from The Canadian Finance Blog presents TFSA – Tax Free Savings Account.

FMF from Free Money Finance presents Where Do You Store Your Will?.

Cheapskate Sandy from Yes, I Am Cheap presents Finance 101: What the Heck is Peer-to-Peer or P2P Lending?.

FFB from Free From Broke presents Buy That Fun Stuff Without Going Broke.

DR from Dough Roller presents Conforming Loan Limits for Dummies.

Ray @ Financial Highway from Financial Highway presents Probate- Why and How to Avoid Probate Fees.

Tom @ Canadian Finance Blog from The Canadian Finance Blog presents Charitable Donations.

red_hot_chili_peppersInvesting – Roller Coaster – Red Hot Chili Peppers

Investing in today’s market take some serious nerves. While the economic crisis seems to slowly getting behind us, volatility is still around. Your investment portfolio is probably going up and down like a roller coaster since 2007 ;-0.

DR from DoughRoller presents List of No Penalty CD (Certificates of Deposit) Rates.

Bob from Christian Finances presents Safe Investing.

Dan from Everyday Finance presents Swine Flu Stocks – Where are they Now?.

Jim from Bargaineering presents Forex Currency CDs.

Hank from Own The Dollar presents Understanding Expected Value and Risk Tolerance With Your Investments.

Phil Taylor from PT Money presents Roth IRA Rules.

Jeff Rose from Good Financial Cents presents Traditional IRA to Roth IRA Conversion Tax Rules.

Jill from My Dollar Plan presents Solo 401k Retirement Plan for the Self-Employed.

Investing Toolkit from Investing Toolkit presents How The SIPC Protects Investors From Broker Bankruptcy.

Madison from My Dollar Plan presents 2010 Roth 401k and Roth IRA Limits.

Bob from Christian Finances presents Roth ira conversion 2010 .

Darwin from Darwin’s Finance presents Could the US Dollar be Replaced as the World’s Reserve Currency? What it Would Mean.

pink-floyd-moneyMoney Management – Money – Pink Floyd

A money and songs  post cannot be completed without this classic from Pink Floyd! Money, get away, Get a good job with more pay and your O.K.” In the meantime, you can learn to manage your money with those money management articles:

Baker from Man Vs. Debt presents Bend Over… I’ll Show You Where You Can Stick Your ‘Rewards’..

Baker from Get Rich Slowly presents How to Use a Lease Option to Lock in Low Home Prices.

Buck Weber from The Buck List presents 10 Books to Have Around When the Internet Goes Down.

Jason from One Money Design presents The Bucket Budget.

Madison from Kids and Money presents What is the Kiddie Tax?.

Craig Ford from Money Help For Christians presents Recommended Budget Precentages by category.

J.D. Roth from Get Rich Slowly presents Spend Less Than You Earn.

christina_aguileraback_to_basics_Frugality – Beautiful – Christina Aguilera

I love this song because it reminds me of what is really important in life; it is what you are and not what you have or what you look like. “To all your friends you’re delirious, You’re so consumed, In all your doom, Trying hard to fill the emptiness”.  Appearance is the first level to consumption. Try some frugality with these posts:

The Happy Rock from The Happy Rock presents The $400 Phil and Ted’s Stroller – Dissecting The Purchase.

The Financial blogger from The Financial Blogger presents Tips on Budgeting for a Wedding – Getting Married Without Going Broke.

Darwin from Darwin’s Finance presents Verizon FIOS is way more Expensive than you Think.

lily-allen-allright-stillDebt and Credit – Everythings Just Wonderfull – Lily Allen

Well it’s very funny cos I got your fu*?%ng money,
And I’m never gonna get it just because of my bad credit”

Before getting to this point, you rather find a way to use your credit properly and manage your debts accordingly 😉

Mike from Credit Cards Finder presents Bad Credit Credit Card – What is a Secured Credit Card?.

Cecil Dellison from Clear Choice Credit Card Blog presents Credit Card Interchange Fees Create Battle Between Banks & 7-11.

Gather Little By Little from Gather Little By Little presents R1 Credit Rating: How to Keep it.

Joe from The Credit Toolbox presents When was that due again?.

Silicon Valley Blogger from The Digerati Life presents Repair Bad Credit, Avoid The Scams.

Cecil Dellison from Clear Choice Credit Cards Blog presents Tougher Credit Card Situation Helping Pawn Shops.

The Smarter Wallet from The Smarter Wallet presents Use Secured Credit Cards To Develop Your Credit History.

Silicon Valley Blogger from The Digerati Life presents Peer To Peer Lending: Lend Money And Invest.

Banker Saver from Banker, Saver presents Home Equity Loan Basics: Should You Borrow Against Your House?.

The Smarter Wallet from The Smarter Wallet presents Use Secured Credit Cards To Develop Your Credit History.

Other

Hawk from The Debt Hawk presents Top 50 Jobs in United States.

The Financial blogger from The Financial Blogger presents When Do You Start Thinking About Tomorrow?.

a.b. from Modern Tightwad presents What You Won’t Talk About Colors What You Will.

image source:

musiremedy.com

zeeks.com

supermusic.sk

axxobigfan

pinkfloydonline.com

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October 9, 2009, 4:24 am

Select CD Rates Review

by: The Financial Blogger    Category: Reviews

Looking for a good (does it still exist?) certificate of deposit rate? I believe I have found the best place to do your rate shopping! Sorry Canadian readers, the site offers only US CD rates. I was actually quite surprised to find out that their short term rates are far better than what is being offered by Canadian banks right now (1 yr CD rate at 2% twice the 1% in Canada!). However, the 5 year is pretty similar (3.4%)… kind of strange…

What is Select CD Rates?

Select CD Rates is more than a simple CD rate shopping site. This is THE shopping place for money market funds and bank savings accounts as well! There is a very easy layout to surf and it assists you in finding the best CD rate in your State.

What makes you want to visit this site?

Well you obviously need to visit the site if you want to get an idea of what kind of rates you can get on any kind of guaranteed investment. The money market funds section is pretty useful since you get a picture of the current yield for several funds (which are, once again, much higher than Canadian money market funds… are they riskier? Good question!).

Are the resources really helpful?

What I really like about the site is the fact that you can get all the information you are looking for within a few clicks. And, most importantly, the information is FREE! So you can have a pretty good idea if your banker is toying with you or if the rate he is offering is decent.

Another interesting section is the economic data and historical rate history found on the site. You can find a lot of information about employment (or should I say unemployment?) rate, goods sale stats and housing trends.

Can improvements be done?

I was pretty surprised to find all the information I was looking for while surfing from one page to another and I can say with confidence that the site is quite complete. The site is filled with relevant and easy to find information about all kinds of secured investments.

I would refer all my American readers to Select CD rates if they are looking for the best CD rates in the state without having to leave home 😉

Disclaimer: This was an honest but paid review. We did it because we think it is a great financial resource on the Web and our opinion has not been biased. We are now offering to review your website for a highly competitive price. If you wish The Financial Blogger to review your website, please feel free to contact us at thefinancialblogger (at) gmail (dot) com or visit our advertise section.

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September 18, 2009, 4:34 am

Cheap Travel Insurance Review

by: The Financial Blogger    Category: Reviews

“Our prices may be cheap, but we don’t compromise on your coverage!”

This is probably the biggest concern of any traveller. You don’t want to pay a fortune for your travel insurance, but you want to make sure you get support if anything bad happens. Why do we have to wait to find out if our insurance coverage was good only after we actually need it?

What is Cheap Travel Insurance?

So, today I am reviewing Cheap Travel Insurance, one of the cheapest insurance providers for travelling in the UK. The name says pretty much everything that needs to be said 😉 This is a place where you can get insurance coverage while travelling around the world.

They actually cover most European countries along with Australia and New Zealand.

What makes you want to visit this site?

If you have travelled through different countries, you know that a lot of things can happen while you are visiting the Sistine Chapel (right Intelligent Speculator?).

As your healthcare insurance won’t cover you if you get sick in another country, you want to make sure you have proper insurance coverage to pay for medical expenses.

Are the resources really helpful?

What I really like about Cheap Travel Insurance is the specificity of their products. While they offer 2 types of medical expense coverage (£5 million and £10 million… can you really be that sick?), they also offer specific coverage according to your trip.

I was surprised to see that you can get travel insurance for:

Golf Travel Insurance

Ski Travel Insurance

Snowboarding Travel Insurance

And even Cruise holidays travel insurance.

They also specialize for travel insurance coverage for backpackers on a long trip (up to 18 months). This coverage includes:

·Trip duration from 31 days to 18 months.

·42 Adventure Sports included with options to cover more daring pursuits.

·Include Ski and Snowboarding coverage for up to 18 months.

·Up To £3 million Medical and Repatriation Coverage.

·No extra cost for ‘Back Home’ visits*

·24 Hour Emergency Medical Helpline.

·Insurance available up to 49 years of age.

·Option to exclude baggage for further savings.

Can improvements be made?

I actually like the way the site is built as you can get quotes according to your needs quite easily. The quotation tool is simple to use and can provide your travel insurance premium in a heartbeat. They provide you with a complete chart of what is included in the coverage quoted (from travel delays to loss of limb or sight!).

However, while the site is pretty cool, it is not offered to non UK residents yet. In the meantime, they refer us to another travel insurance provider offering the same types of coverage. When going through the other insurance provider, you have the option to select your country and get the premium according to your nationality.

So if you are looking for travel insurance and you are a UK resident, you can try Cheap Travel Insurance. If you are not, you can always visit the following section and select a travel insurance provider for your country:

Non UK Resident Travel Insurance Coverage.

Disclaimer: This was an honest but paid review. We did it because we think it is a great financial resource on the Web and our opinion has not been biased. We are now offering to review your website for a highly competitive price. If you want The Financial Blogger to review your website, please feel free to contact us at thefinancialblogger (at) gmail (dot) com or visit our advertise section.

If you liked this article, you might want to sign up for my FULL RSS FEED. Then, you would get my daily post via email and can read it at any time. To subscribe, please click HERE.

If you liked this articles, you might want to sign for my FULL RSS FEEDS. Then, you will get my daily post to your email and can read it at any time. To subscribe CLICK HERE

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