January 2013

13 Tools to Move Your Business to the Cloud

January 30, 2013

Photo: Paul Vallejo As a small business owner, I’ve grown accustomed to being a jack-of-all-trades. I keep the books, invoice customers, maintain my blogs and websites, all while trying to grow my business. When I first started making money online way back in 2007, I didn’t give much thought to the nuts and bolts of [...]

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Is Online Banking Safe?

January 29, 2013

Online banking has risks, but you can take simple steps to safeguard your money Photo: Todd Ehlers I‘ve banked online for years. First my brick and mortar bank went online. Then I opened several accounts with online banks that don’t have branches. My guess is you bank online, too. In fact, a 2012 comScore report [...]

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Bonds vs. Stocks—Which is Riskier?

January 28, 2013

Bonds are riskier than stocks for long term investors. Here’s why. Photo: Stuck in Customs We’ve all heard it a thousand times–stocks are riskier than bonds. This mantra has prompted many young people to swear off stock investments in favor of “safer” bonds and even certificates of deposit. And the result is a far, far [...]

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E*Trade Promotion: Up to $600 on Rollover of 401(k) or IRA

January 24, 2013

E*Trade is offering up to $600 in bonus cash on new IRA accounts When you leave a job where you had a 401(k), you have two basic options: 1. You can do absolutely nothing and watch your nest egg get eaten alive by high fees and poor service that often accompanies 401(k) plans; or 2. [...]

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Reader Question: Which Balance Transfer Offer is Best

January 22, 2013

Last week a reader asked which of two balance transfer offers was best: I got a offer from Discover today. 0% for 18 months with a 3% fee, or 4.99% for 24 months with 0% fee. Which is better? Thanks. When comparing two 0% offers, the analysis is easy. Assuming that the balance transfer fee [...]

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How to Max Out Your Retirement Savings

January 16, 2013

Max out your retirement savings with these 7 tips Photo: mjzitek I‘ve often wondered if the Apostle Paul was bad with his money. Yes, I’m talking about the guy that wrote most of the New Testament. In his letter to the church in Rome, Paul lamented that the things he wanted to do he doesn’t, [...]

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Stop Loss—How Investors Can Lose the Right Way

January 15, 2013

A stop loss order can prevent significant losses for an active trader Photo: windy_sydney The market decides how much money you make trading; you decide how much you lose. At least that’s what the professional traders I know tell me. So how do they decide how much money they are willing to lose on a [...]

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Quarterly Estimated Taxes: Due Dates and Payment Strategies

January 14, 2013

Due you owe quarterly income tax? If you do, don’t miss the estimated tax deadline. Photo: OhioProgressive There are a lot of things to like about being self-employed. Estimated taxes is not one of them. If you are self-employed, a freelancer, or earn other income that is not subject to withholdings, paying state and federal [...]

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A 12-Month Plan to Revitalize Your Finances

January 9, 2013

With a little planning and effort, these 12 financial goals can help make 2013 a success. Photo: gordonflood.com With the start of a new year, it seems appropriate to think about how we can make 2013 a financial success. But rather than making some New Year’s Resolution about getting out of debt that we won’t [...]

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