Join The Latest Conversations On Moolanomy

Sorry about the lack of article today. A couple of things came up last night including shopping with my wife for her friend’s birthday and a guest post that was unpublished at the last minute. By the way, if you are interested in writing a guest post for Moolanomy, I’d be more than happy to review your article and publish it here (you don’t have to be a blogger).

Anyway, I’ll take this opportunity to let you know that the Money Hacks Carnival #27 was published yesterday at Personal Finance Buzz. There were a lot of good submissions, so head over there and check out the carnival.

Recent Discussions

Also, if you didn’t know already, there’s a feature called DISCUSS (on the top navigation bar) where you’ll see a table like the one below that you can track and join in on the latest conversations taking place here on Moolanomy.

Give it a try by clicking on any of the links below:

Posts	Last Comment
The Truth About Investing: The Market Is Beatable (9 comments) I don’t believe that it is necessary to take on extra risk to beat the market. Investors are not compensated for taking on Actual Risk. They are compensated for taking on Perceived Risk. You can beat the market easily (in the long term, not in the [...]	Rob Bennett 2009-07-03 10:18:38
The Difference Between The Multiply-By-25 Rule And The 4-Percent Rule (13 comments) The market “gurus” on tv and the brokerage houses have long been advocating active market timing like what Rob has proposed. If only this were so! Both the idea that you don’t need to time the market at all (Passive Investing) and the idea [...]	Rob Bennett 2009-07-03 07:44:22
How Much Life Insurance Do I Need? (25 comments) As an agent, I have some slightly different opinions regarding life insurance. I believe in income replacement, or in the case of a career homemaker, securing the money that would be required to replace those services. I would add onto that final exp [...]	Joshua Schneiderman 2009-07-02 15:15:03
Chase Minimum Payment Increased To 5%, Now What? (23 comments) Well, I got the double whammy this week. First I got the Chase min payment increase letter, then today I got a letter from Bank Of America letting me know that the fixed 8.9 purchase rate I’ve had for 8 years has now become a variable rate. Will the [...]	Pam 2009-07-02 07:11:08
Is It Time To Get Back Into The Stock Market? (12 comments) Ok. You have good points and I would like to take the time to do that. But, I was in the market and lost 65% of my retirement plan and then got bad advice from someone and lost even more by putting everything into reserve. Now when I want to get b [...]	Al 2009-07-02 01:24:30
How I Save $8,535 Per Year By Not Having A Car (21 comments) I know this article is older but I just read it and I strongly disagree with your numbers. IF someone is financially foolish or very secure financially they MIGHT spend $8500 a year on a car but that is not necessary. I’m sorry, but I consider this [...]	Liz 2009-07-01 23:56:36
Using TracFone Prepaid Cell Phones To Reduce Your Monthly Bill (8 comments) I use TracFone and I am for the most part happy. The phones are not top of the line, but the service is very cheap. With my lifetime double minutes applied, I pay about $15/month for voice + text. TracFone only makes sense if you don’t talk a lot [...]	P.R. 2009-07-01 18:17:01
How Much Is 1% Really? (9 comments) 1% is awesome, especially when you control your own investments and are able to get it once a week. I dumped my broker long ago and haven’t looked back since. Compound Interest is even sweeter when I am not wasting money paying someone to handle my [...]	1percenttrader 2009-06-30 18:00:37
Gas Guzzler Rebate, Get Cash For Clunkers (8 comments) There are some instances where the voucher will actually cover the depreciation. In the post of mine that Pinyo linked I go over two such instances. So if you are in the market for a 2 year old car and are currently driving a car that is a true [...]	MLR 2009-06-30 14:38:12
Achieving Financial Freedom One Expense At A Time (8 comments) @Matt – I agree. A lot of nice tips in that short video. I am planning to write more about them. [...]	Pinyo 2009-06-30 09:12:55
Top 10 Money Saving Tips for Spending Less at the Grocery Store (6 comments) My favorite of the all is using coupons, i save at least 10 % by using freebie coupons from site like swoopup.com, coupon.com, etc were we get great promotional offers and vouchers for free. [...]	Nitesh Mundra 2009-06-29 13:45:12
How To Improve Your Productivity When Working From Home (14 comments) Sure is a great post. As far as I’m concern to declutter and removing distractions has been the toughest struggle so far. Getting better but not quite there yet. I guess NON-FOCUS is the real issue here. [...]	Bernz 2009-06-27 23:35:11
Value Investing And Buying Income On The Cheap (4 comments) I agree with Rajeev here in regards to realizing that PE ratio is not the only way to determine whether a particular stock is a good investment or not. I learned this the hard way, after buying and trading stocks for quite a long time. I only starte [...]	Bernz 2009-06-27 23:28:42
Back From Family Road Trip Vacation (3 comments) Looks like you had a great vacation with lots to do [...]	Manshu 2009-06-27 20:29:06
Money Saving Tips for Online Shopping (15 comments) Yes Ebate sure is a great site but along with that i use discount coupons from Swoopup to get good further cheap, so its a win win situation both ways. [...]	Nitesh Mundra 2009-06-27 10:40:47
I Don’t Want Your Freakin’ Extended Warranty… (26 comments) Oh, I wish I had read your article before I went out there and bought a car from Hillside Honda.What a nightmare it was!! They sold me the car alarm and Lojack for the total price of $5,295.00. They charged me over $2,500 for the car alarm which they [...]	Teresa 2009-06-24 14:41:18
How To Save Money – The 1,001 List Of Money Saving Tips And Ideas (55 comments) The ample list of money saving tips avoid would surely help me buy a jaguar if consistently followed for 5 years. In fact, I able to devise my new strategy out of the ideas above. My article recently wrote is entitle “How To Save Money In Smart [...]	Cathy Erecre 2009-06-24 04:04:41
Secure Your On-line Financial Identity (5 comments) @DDFD Yes, paypal offers a secure key https://www.paypal.com/securitykey @Saj First thing I look for is some sort of ‘enhanced online security’ – if the bank has it they will probably be advertising it. The SecurID I have from ETrade is very easy [...]	keith@bewealthygethappy 2009-06-23 17:15:26
Where To Sell Used Textbooks And Old Books Online (32 comments) You can actually make pretty good money selling books. The biggest hurdle is finding good ones to sell, and not buying it before you know what it is worth. I have made (warning, self advertisement, but free) a mobile website that should work on [...]	Amanda 2009-06-23 17:09:16
The Blame Game, Financial Meltdown Edition (6 comments) Common sense get violated all the time– spend less than you earn! This economic situation we are now in shouldn’t be a surprise . . . [...]	DivorcedDadFrugalDad 2009-06-21 22:00:06
What Should You Do With Your 401k When You Get Laid Off (22 comments) Ok thanks Pinyo, I thought that might be the answer as just about everywhere there are comments about rolling into an IRA it talks as though its cash although no one specifically says that. I get your point about it not really being an issue ca [...]	Steve 2009-06-21 13:03:47
Build An Emergency Fund To Avoid Financial Crisis (7 comments) Of course having more money saved is better, but in this economic climate that may not be plausible. IF you are working and are meeting your bills, I think a six month worth is the minimum. Companies are still downsizing and things probably won’t imp [...]	Charles Richey 2009-06-16 18:09:31
Never Say We Can’t Afford It (29 comments) Sorry Pinyo for the false accusations. I see your point though. It really is hypocritical to tell your kids you can’t afford a toy when they see you buying toys for yourself. I guess if you have a “commission” system for chores you could ask them if [...]	Dustin Davis 2009-06-16 10:05:04
What Is A Reverse Mortgage? (4 comments) Thank you for such complete information on the reverse mortgage, you even put it the reverse mortgage calculator. This will help a lot of seniors to decide whether or not they should inquire further and take the deal for their greater good. [...]	Jeffrey A. Jackson 2009-06-16 10:04:48
How To Eliminate Credit Card Debt On Your Own (38 comments) No Debt is not fun, and using other credit cards pay one another is not good, but does help, sometimes gets you indeep in debts, so watch your spending and have an alternative plan to kicks in once plan “A” does not work, [...]	Sam 2009-06-13 23:59:03
Determine Your Retirement Needs In 3 Easy Steps (14 comments) I’ve done a spreadsheet and put it up on Google Docs at: http://spreadsheets.google.com/pub?key=rf4WOBG64CWR5_4Ojmlye1g&output=html There’s a column there headed “Factor” which makes the calculations a bit simpler. So now you can find yo [...]	CamKC 2009-06-13 19:37:21
Getting Ready To Hit The Road Weekly Highlights (2 comments) Congrats on the recent good pub. Well deserved. [...]	Patrick 2009-06-13 15:28:04
Wealth Building Made REAL Simple (27 comments) This is really a practicle advice. [...]	Muzafar Ali Chandio Dakoo 2009-06-13 10:00:46
How To Prepare For Car Breakdown And Deal With Roadside Emergencies (18 comments) Great suggestions. I am always so worried that I’ll get a flat or my car will die while I’m out. It made me feel better to practice changing my tire in the comfort of my driveway. At least I’ll be somewhat prepared if I do need to know how. [...]	hustler 2009-06-13 04:37:33
Free Credit Report Cards From Credit Karma (6 comments) That’s terrific; I have not come across a site that offers this service for free. Thanks! [...]	Saj 2009-06-12 16:06:01

Subscribe To Moolanomy

Lastly, if you are not already a subscriber to Moolanomy, please take a minute to subscribe now.

If you’d like to receive the latest posts in your Feed Reader, please use this RSS subscription link.
If you’d like to receive the latest posts via email, please use this Email subscription link.
If you don’t know about feed subscription, you can learn more about it in this What is RSS feed and why use it article.