BuzzSugar

First Look: Easy Money

BuzzSugar — Fri, 03 Oct 2008 16:30:04 PDT

In addition to Valentine, there's another new show coming to the CW this Sunday: Easy Money, a series about a family of loan sharks that premieres at 9 p.m. EDT and PDT.

From a first glance at the plot description, Easy Money seems like the kind of show that would be more at home on FX or AMC. It centers on Morgan Buffkin (played by Jeff Hephner), the outsider in the family that runs Prestige Payday Loan. As the CW's description puts it:

While his mother, Bobette (Laurie Metcalf), the brains behind the business, dotes on him and sings his praises, Morgan has never quite fit in and he's doubting the ever-shifting stories she's woven about his childhood in the Buffkin household. Furthermore, he's having second thoughts about being the "heavy" for Prestige - running down ne'er-do-wells and gambling addicts - in an era of subprime mortgage lending and four-dollar gasoline.

I'm curious to see how a dark comedy about the bleaker side of money performs on the network of rich, materialistic teenagers and adults behaving badly. The early reviews have been mixed but mostly positive, so I'll probably give this one a shot. Does it pique your interest? To watch a preview, just

Photo courtesy of The CW

9 Ways to Earn Extra Cash When Money Is Tight

Wise Bread — Thu, 24 May 2012 11:51:58 PDT

I'm sure everyone can do with a little more cash in their wallets. Here are some great suggestions by Wise Bread for you to make extra money.

Even though I'm self-employed full-time, I'm always looking for new and exciting ways to make more money.

Earlier this year, I wrote a Wise Bread post on websites that can help you earn extra cash. More recently, I came across a blog post on Zaarly titled, "10 Ways to Make Money Without a Job." After reviewing the latter post, I thought it was time to revisit the topic and let you in on a few more ways to get paid.

The ideas that Zaarly presents are perfect for the unemployed or those who just want to pad their pockets a little more. In addition, there are moonlighting jobs that I do that I thought you should know about. Thus, if you're without a steady paycheck or you just want to build up a rainy-day stash, here are some of your options.

1. Offer Experiences to Strangers

I recently learned about a new site called Vayable, which allows people with specialized knowledge and talents, local info, and time on their hands to create experiences that others can purchase. It's basically a touring and activity company without the company. Anyone can join the site and set up an experience. For instance, the Kan Brothers offer motorcycle tours of San Francisco - which include helmet rental, a drink at a local hot spot, and a city map - for two to four people at $75 per person. In New York City, Kim G. is offering a personalized painting lesson for groups of two to six for a flat rate of $300; the experience includes acrylic paints; canvas board and supplies; studio space; wine, cheese, and crackers; and Kim’s undivided attention. Consider this tip if you're interested in joining Vayable: Browse the site to see what other people in your area are offering. By creating a unique experience that no one else has established, you have a better chance of getting booked.

Read on for more.

5 Things You Always Wanted to Know About Paying For College

LearnVest — Wed, 23 May 2012 00:15:23 PDT

Paying for college is such a complex issue. LearnVest helps simplify it by answering some key questions in regard to paying tuition.

If you believe everything you read, then you might think you need to be a Rockefeller to have kids.

That, of course, isn't the case.

Yes, kids are expensive, and thinking about paying for a college education can be scary and frustrating . . . but that's where we come in.

As with everything else in life, figuring out what to do about your kid's college savings is all about the planning, says Stephany Kirkpatrick, CFP, LearnVest's director of financial planning. Depending on where you are in life right now and how old your kids are, you may have questions about how to set up a 529 plan (which is an education savings plan designed to help families set aside funds for future college costs), what to look for, and when to start saving.

If you're pregnant or have a newborn and are starting to think about this, then good for you! The earlier you get started socking away cash for their college, the easier it will be. You'll learn a lot in this article, but you should also check out our Baby on Board Bootcamp, which will tell you everything you need to know - financially - to be ready for a baby. It includes 529 advice, as well as financial tips on everything from putting together a will and picking out a life insurance policy to buying nursery basics.
If your kid is slightly older and you’ve done your research but haven’t yet started saving in a 529 plan, then first read the four mistakes to avoid when choosing a 529 plan, and then check out the different college savings plans available to you.
If this is the first you’re thinking about it, no matter your kid's ageI, then don't worry about it. You have to start somewhere!

Read on for more.

How-To: Continue Saving Travel Dollars After You've Booked and Paid

Emily Co — Tue, 22 May 2012 11:03:26 PDT

Scouring for deals before you make your purchase is always smart, but you can save even more if you go the extra mile and get some money back after you've booked. Here are some savvy tips to get you more savings after you've forked up cash:

Air Travel: You can save more money on air tickets if the price of the flight goes down. Get refunded the difference when you buy your ticket from airlines like JetBlue, Alaska Airlines, and Southwest. Some airlines will charge an extra fee because they will consider it to be changing reservations. AirTran and Virgin, for example, charge $75, while United charges $150. An easy way to keep track of the changing airline prices is to use online price tracker Yapta.com, which will do the work for you and send you refund alerts when your fare has gone down. Be sure to also check out Yapta's other cool feature that keeps track of the flights that you're interested in buying and sends you alerts when the price drops.
Rental Car: Although Yapta tracks rental-car fares, there is an even better site that will do most of the work for you. It's called autoslash.com; it basically books the car for you, checks around for a cheaper price, then emails you when it finds a lower rate. If you want to go with the lower rate, it will rebook it for you.
Hotels: Pick a hotel with a good refund policy or one that allows you to cancel without any penalties if you want to get your money back when you spot a lower rate on a hotel.Then use Yapta as a price-tracking system for hotels, which alerts you when the price of a hotel drops. If the rate does decrease, you can just cancel your reservation and make a new one. You can generally cancel your hotel booking if you don't pay up front for your reservation, but be sure to read the fine print because every hotel has different policy.
Bonus: Alternatively, if you book through travel sites, you can get some sort of price guarantee for your flight, hotel room, and rental car. Keep in mind that every site has different requirements. For hotel stays, Orbitz will refund you the difference if you find the same room at the same hotel and dates at a cheaper price elsewhere. However, the claim has to be submitted before the hotel applies cancellation fees (which requires paying attention to hotel policies) and only works with rates that have the "Low Price Guarantee" or “Price Assurance.” Travelocity, Expedia, and Priceline all have some sort of price guarantee with some differences, so don't assume that the same policy will apply to the other sites.

Why Everyone (Even 20-Somethings) Should Make a Will

Business Insider — Tue, 22 May 2012 00:15:44 PDT

Getting a will is not just for those who are on the cusp of retiring. People of all ages should consider writing one, says Business Insider. Here's why.

Despite the well-known fact that everyone alive today will kick the bucket at one point or another, nearly 60 percent of Americans admitted in a 2011 poll conducted by online legal service Rocket Lawyer that they didn't have a will.

In fact, one-third said they'd rather do their taxes, get a root canal, or give up sex for a month than lay out their dying wishes in black and white.

All right, let's not get out of hand now.

Making a will these days is easier than ever, and if you've been putting it off simply because it seems daunting, then you could be making a big mistake.

"You do it for your family's [future]," says Rocket Lawyer founder Charley Moore. "[A will] enables you to start thinking about issues like whether you have the right insurance coverage, life insurance, and ways of replacing your lost income."

Whether you're 22 years old and just ran your umpteenth marathon or you're ready to retire, laying out an estate plan should definitely be near the top of your to-do list.

It's one of the three most important documents every adult should have.

Here are the other two, according to Moore:

A living will: Also called an advanced healthcare directive, a living will is where you lay out all the nuts and bolts of your end-of-life care. If you wind up in a coma or unresponsive in the hospital, then a living will can help your family decide how to handle your medical treatment.

Durable power of attorney: Choose an attorney you trust to administer your estate after your death, says Moore. He or she will be objective (unlike family members), and their entire job is to follow your wishes.

Read on for more.

What Can You Buy With One Day's Worth of Salary?

OnSugar Blog — Sat, 19 May 2012 03:13:44 PDT

Do you ever think about how much you make each day and how much that really buys? This post from Beauty and the Budget really got me thinking.

What can you buy with one day's worth of your salary? Right now, I make about $76 a day, before taxes, which really isn't much. That means that on Monday, when I made an after-work Rite-Aid makeup run, I practically worked an entire day for a tiny tube of RoC Eye Cream ($21.99 at Ulta), a small bottle of Olay Total Effects Anti-Aging Moisturizer ($18.69 at Ulta), Maybelline Colossal Mascara ($6.99 at Ulta), and a can of Salon Grafix Invisible Dry Spray Shampoo ($5.99 at Ulta). Plus I bought an Apple Pecan Salad from Wendy's ($6.99) for lunch. All my money was spent in one day. I really wanted to kick myself when I came to that realization. It was like a spiritual financial wakening.

Of course, I believe I invested wisely in a great eye cream and an anti-aging moisturizer (all of which I am hoping will last at least four to five months), but I'm still disappointed that my money disappeared in a day. I could have put that money toward new contact lenses or my next oil change.

On a much lighter note, let's have a little fun with this topic. To make it easy, let's say you make $10 an hour. That's $80 a day for a full 40-hour workweek. You're definitely on a budget at that rate, especially if you're supporting yourself. Let's look at all your spending options, and tell me which item you're most likely to go for!

Easy Ways to Get More From Your Food Budget

LearnVest — Fri, 18 May 2012 05:15:48 PDT

Go the extra mile with your food budget with these tips from LearnVest.

For years, many people - my husband, mom, sister and even my son - told me to stop wasting so much food.

Throwing away half a piece of chicken here or a handful of grapes there never seemed like such a big deal to me. If I was full or no longer in the mood for that particular food, then I had no problem tossing it.

That is, until I experienced a bad case of sticker shock during a recent trip to the supermarket. The cost of bread, eggs, fish - basically everything I was purchasing - had increased. And, according to the USDA, we can expect prices to rise even higher this year.

As I forked over my money and left with only a handful of bags, I realized just how important it is for me to pay more attention to what I spend on food . . . and to confront how much of it I shove down the garbage disposal.

Unfortunately, I'm not the only one with wasteful ways. In 2010, 33 million tons of food was thrown away, according to the US Environmental Protection Agency. Obviously, wasted food means wasted money, but figuring out how to make your grocery budget go further can be a challenge.

To keep more food in your fridge (and more money in your pocket), try these expert tips.

1. Ward Against Freezer Burn

Those large bags or packages of frozen veggies or meat come in handy when you have a large family, but "each time you open a bag of frozen food, air gets in and will cause freezer burn within two to three weeks," says consumer saving expert Andrea Woroch. Freezer burn will dry out the meat and make it less tasty. Woroch suggests going small.

Read on for more.

6 Handy Tips For Packing Work Lunches

Emily Co — Tue, 15 May 2012 09:28:28 PDT

Bringing lunch to work every day sure does save more than a few bucks and keeps you healthy at the same time. It's such an easy everyday saving trick, and it's a great option for those trying to cut costs on their daily expenses. Here are a few tips that get me through the week.

Mental Meal Plan: What do you want to eat for the rest of the week? Give it some thought before you make a trip to the grocery store to buy some ingredients. For inspiration, flip through Yum's list of delicious work lunches. While you're grocery shopping, read our savvy tricks for saving money at the supermarket.
Prep on Sunday: Buy all the ingredients you need on Sunday so that you won't have to desperately scramble around the night before. If you're planning on making one dish that you'll be eating all week (such as soup), you can either keep it refrigerated or, depending on what type of dish it is, you can also choose to freeze it in five ziploc packets that you can ration out throughout the week.
Keep It Separate: If you want to keep your lunch fresh, try to keep the pieces separate and assemble it right before you're having lunch. This works best for meals such as salads and sandwiches - soggy bread and vegetables are not appetizing!

Read on for more tips.

Fixes For These 10 Money Mistakes

Business Insider — Tue, 15 May 2012 00:15:04 PDT

Everyone makes mistakes. Business Insider shares solutions for some common money mistakes people make.

Recently, two friends confessed they live check to check - a revelation worsened by the fact that they only check their bank balance once or twice a month.

We called in the finance experts, and here's what we decided they should do to get on track.

"I check my balance once . . . every two weeks."

The mistake: The more we rely on our debit cards, the easier is to go over budget - and risk having our bank misorder the charges to slap us with overdraft fees. It's the reason my friend keeps paying $39 for that Starbucks latte.

The fix: Get in the habit of checking your bank balance morning, noon, and night, says financial expert Farnoosh Torabi. "Rather than compartmentalizing into a once-a-month chore, make checking statements a habitual, daily thing."

"What, my bank offers an app?"

The mistake: Ignoring your balance can make you "forget" about incoming bills and checks waiting to clear, and not using your bank app is careless.

It also keeps you out of sync with your money, something you don't want to do in an era of rampant identity theft.

The fix: Download the app!

Read on for more.

8 Things You Think Are Good for Your Money . . . That Aren't

LearnVest — Fri, 11 May 2012 15:03:23 PDT

You may be wasting money when you think you're saving. LearnVest shares eight of the biggest money misconceptions.

Frugalista. Recessionista. In the past few years, people have coined a lot of silly words describing women and their approach to money, but the thought behind each of them is the same: You care about your hard-earned dollars and want to make them stretch.

That's true of most of us: We scrimp, we pinch, we try to feed our proverbial piggy bank as much as possible. Yet sometimes, in our excitement to be financial overachievers, we overreach.

It turns out there are a number of things that sound like they'd be doing good things for your money, and make you feel like you're saving more . . . when, actually, they're having the opposite effect.

Paying Every Debt Equally

When you have multiple debts to pay off (a credit card here, a student loan there) you might feel like a rock star simply for keeping up with them all and dividing your attention in a lot of different directions. Which, in a sense, you are! After all, you should always pay at least the minimums on all your loans.

But, if you have extra money to pay down your debts, you’re doing yourself a disservice by dividing it equally. The debts with the highest interest rates grow the fastest, so you should focus your muscle on the most toxic debts first.

Read on for more.