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Budget Do's, Finance

New Favorite Money Site: LearnVest

August 2, 2012
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Alexa von Tobel is one of those girls you wish was in your inner circle. The type of gal you could have cocktails with and discuss the benefits of your company 401k matching plan.

We fell for Alexa in a recent Marie Claire interview, in which she made a bold statement about women and money: “The fact is, women don’t like to talk about money, let alone deal with it. Though we’re killing it at work, earning more than ever, running our households, and making big-ticket decisions, too many women still worry they’ll be judged by what they earn and how they spend it. So instead of asking for help, they try not to think about it, treating their finances the same way they did back in college — spending it when it’s there, freaking out when it’s not.” Eek…but probably true for some of us.

That notion is one of the reasons Alexa founded LearnVest. The site is dedicated to helping women take control of their finances and offers free and easy tools for how to save and spend your money.

The site helps you create a budget (that’s actually livable!), shows you how to get out from under your student loans and how to create a financial plan (thank you!) — and it’s free! Plus, it’s got a pretty cool user interface that makes budgeting, actually fun…

 

 

 

Budget Do's, Finance

What’s the Difference Between a Roth IRA and an IRA?

July 19, 2012
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You know you should be saving for retirement but we get it, sometimes the savings-options just get a bit overwhelming, which is why we’ve created an easy cheat sheet on the differences between two retirement options: Roth IRA and IRA.

The main difference between the two is just when you pay income taxes on the money you put in each.

Traditional IRA: You pay when you take the money out in retirement.

Roth IRA: You pay taxes on the front end, so when you take it out you won’t be taxed.

In both options your money will grow tax free while in the account.

Other differences:

There are income limits for a Roth IRA.

Roth IRA’s can be a bit more flexible if you need to take out money early.

With a traditional IRA, you have to start taking out money by the time you are 70 1/2 (with a Roth you can leave it in to grow).

Still not sure which to choose? Our favorite finance guru Suze Orman has advice here.
Photo courtesy of Bokeh Burger.
Brainy, Budget Do's, Cocktail Chatter, Finance

Lose Your Phone – You’re Not Alone

March 29, 2012
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Susan SermonetaDon’t feel bad ladies – lost phones are so common, a study by Lookout, a mobile security company, discusses on the hows, whys and wheres of lost phones and concluded with the stat that we all lose our phones about once a year. For smart phone users, that is about $250, nationally and unrecovered phones cost consumers up to $30 billion a year.

Funny findings…

People in some U.S. cities have a higher chance of losing their phone: Philadelphia residents lose their phone two times more than New York City dwellers, while San Franciscans and New Yorkers lose their phones three times more than Chicagoans.

of course there is a reason Lookout paid for this study—it’s their business. In 2011, Lookout claims to have located 9 million lost smartphones, which equals one phone every 3.5 seconds

We also liked these 10 Tips from CNN – To get your phone back.

1. Use a loud and piercing ringtone
2. Call or text your mobile number
3. Call your operator to disconnect your SIM card.
4. Retrace your steps
5. Use phone labels
6. Offer a reward in your welcome message
7. Use a customized background picture
8. Get a brightly colored phone
9. Lock your SIM card
10. Lock your phone

EZ-DiY, Finance, Holidays on the Cheap

Halloween Costumes

October 14, 2011
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I was happy to see that we had so many hits on Somer’s post last year on Halloween Costumes on a Budget, It was a really good one!  So I did some online searching to see what’s hot for 2011. Along the way I found these good DIY options from, iCity.com

….If you have a prom dress or ball gown, or formal dress, all you need is a large white ribbon, glitter paint, a tiara, and a cheap zombie makeup kit, to make yourself a prom queen/beauty queen zombie. Easy and cute.

…..a year or so ago, I showed up in full suit and briefcase, wearing a namebag for the IRS and on the back I had taped a sign reading “kick me, I’m IRS.” I got a lot of laughs and extra attention for this

….These are my two guy costumes:
1.) Wear normal clothes but carry a sign that says “Nudist on Strike”.
2.) Be a “Devil’s advocate.” Buy a foam finger, wear a shirt that says “Go Devil!” or “Satan is my homeboy”, etc

But my favorite suggestions were from LA Times blogger, Suzanne Marques who warns us that there “will be too many sexy costumes and guys in t-shirts with stupid sayings” Ooops I guess I fell into the easy t-shirt trap;).  I didn’t like her Steve Jobs or Michael Jackson suggestions – c’mon some respect… but these were good.

3. Princess Beatrice

princess beatrice hat Top Halloween Costumes of 2011

Oh yes. There is a fantastic knockoff of the most ridiculous fascinator in the world.

4. Toddlers & Tiaras

toddlers tiaras Top Halloween Costumes of 2011There are many costumes to choose from, the hooker outfit in Pretty Woman, sexy cowgirl… prom queen… The best part? Bad Halloween wigs, fake tans and horrible frosted makeup work wonderfully! Begin building your costume with this wig, please.

5. Bridesmaids

bridesmaids Top Halloween Costumes of 2011

If you don’t feel like working that hard on your costume, head to the back of your closet or Goodwill for tacky bridesmaids dresses. You must do this with a bunch of friends.

6. Amy Winehouse

zombie winehouse 37 Top Halloween Costumes of 2011Man, I loved me some Winehouse. In fact, I went as her for Halloween three years ago. You can’t go wrong with Zombie Winehouse.

7. Book of Mormon.

book of mormon 1024x809 Top Halloween Costumes of 2011

Get out your black slacks, a crisp white button up shirt, black tie, hair gel and a bright smile. Add a backpack and a helmet and you’re golden.

Did we miss a good one?? Please let us know.