NEW YORK - BMW badges should be gold-plated.
The luxurious, sporty German cars they adorn keep their value better than any other vehicles. In recently calculated data from car-pricing bible Kelley Blue Book, BMW was the only brand name with two entries—the 7 Series sedan and 6 Series two-door—on a list of the ten new cars that should best hold their value over a four-year period.
You can see the ten cars in the slide show that follows. While the cars in the slide show are unranked, a spokeswoman from Kelley Blue Book said the 7 Series has the best residual value on the market. In the past, Kelley has also assigned BMW's X5 sport utility the title of highest automotive residual value.
Continue reading
Frugal Mom's budget wisdom!
Do not buy a brand new car. Buy something a few years ago and then drive it until the doors are falling off. A monthly payment of $200 for 3 years is much better than a $500 car payment for 5 years. Drive the car for atleast 8-10 years and you will save a lot of money over your lifetime.
Enjoy your savings!
Theresa
Friday, July 22, 2005
Thursday, July 21, 2005
Netzero offering free 10 hrs a month
This is a great deal. If you are looking to really cut down expenses or need a back up isp if your cable modem or dsl lines go down.
Get Free NetZero Internet Access for 10 hours per month
Get Free NetZero Internet Access for 10 hours per month
Tuesday, July 19, 2005
Dave says weekly column "My wife is a shop-a-holic"
Dave Says
By Dave Ramsey
Author of:
Financial Peace and
The Total Money Makeover
"My wife is a ‘shop-a-holic’! I need help!"
Dear Dave,
My wife is a shop-aholic. She’s good at shopping; using coupons and finding good deals. But I can’t convince her that just because something is a good deal doesn’t mean we need to buy it. For instance, we only need so many clothes. Any suggestions to help out?
Jorey in San Antonio, TX
Read Dave's answer
Monday, July 18, 2005
Freebies
Free glowstick
http://www.glowbay.co.uk/main.php
Free notepad
http://www.captainnotepad.com/request_sample.aspx
Free Organic Valley Stuff
http://www.organicvalley.coop/utility/resources/index.html#/funtivity.ht
ml
Free Baby Dental Wipes
http://www.drraysproducts.com/sp-bin/spirit?PAGE=28&CATALOG=5
Enjoy your savings!
Theresa
http://www.glowbay.co.uk/main.php
Free notepad
http://www.captainnotepad.com/request_sample.aspx
Free Organic Valley Stuff
http://www.organicvalley.coop/utility/resources/index.html#/funtivity.ht
ml
Free Baby Dental Wipes
http://www.drraysproducts.com/sp-bin/spirit?PAGE=28&CATALOG=5
Enjoy your savings!
Theresa
Sunday, July 17, 2005
How to make your teenager a millionaire!
Teen years not too early to consider IRAs
By MARSHALL LOEB
www.MarketWatch.com
New York - If your teenager has a paying job outside the home - as do 40% of high school students - it makes sense to put his or her earnings into a tax-advantaged retirement fund. This could pay off big later on.
Just as any other earner, a child is allowed to invest up to $4,000 of earnings every year in a regular Individual Retirement Account. That tax-deductible money is free of federal income taxes until it is withdrawn.
But an even smarter choice for your teen is to put the money into a Roth IRA. That money is taxed immediately, but no tax is due when it comes out.
"Since teenagers are usually in the lowest tax bracket, a non-deductible Roth IRA contribution won't increase their tax burden today. But it could save them five or even six figures in taxes when they retire," says Kevin McKinley, author of Make Your Kid a Millionaire : 11 Easy Ways Anyone Can Secure a Child's Financial Future
There's no minimum age for contributing to an Individual Retirement Account, or IRA. So as soon as your child has earnings from work, be it baby-sitting, helping at your office or mowing lawns, he or she can open an account. This is a great way to teach your child how to keep track of his or her earnings and how saving a little money now can mean a hefty payoff later.
"At a hypothetical annual return of 8%, four years of $4,000 Roth IRA contributions during high school ($16,000) could be worth over $750,000 when the child turns 65," says McKinley. "She would have to save $2,000 per year from age 22 to 65 ($86,000) to get roughly the same amount."
Of course, it's not always easy to get your teen to think about retirement, let alone persuade him or her to agree to save, rather than spend, their earnings. Many parents have success with matching their teen's contribution. So if your child only wants to contribute $1,000, you can also contribute $1,000, just as long as the total amount going into the account isn't more than your child's total yearly earnings
By MARSHALL LOEB
www.MarketWatch.com
New York - If your teenager has a paying job outside the home - as do 40% of high school students - it makes sense to put his or her earnings into a tax-advantaged retirement fund. This could pay off big later on.
Just as any other earner, a child is allowed to invest up to $4,000 of earnings every year in a regular Individual Retirement Account. That tax-deductible money is free of federal income taxes until it is withdrawn.
But an even smarter choice for your teen is to put the money into a Roth IRA. That money is taxed immediately, but no tax is due when it comes out.
"Since teenagers are usually in the lowest tax bracket, a non-deductible Roth IRA contribution won't increase their tax burden today. But it could save them five or even six figures in taxes when they retire," says Kevin McKinley, author of Make Your Kid a Millionaire : 11 Easy Ways Anyone Can Secure a Child's Financial Future
There's no minimum age for contributing to an Individual Retirement Account, or IRA. So as soon as your child has earnings from work, be it baby-sitting, helping at your office or mowing lawns, he or she can open an account. This is a great way to teach your child how to keep track of his or her earnings and how saving a little money now can mean a hefty payoff later.
"At a hypothetical annual return of 8%, four years of $4,000 Roth IRA contributions during high school ($16,000) could be worth over $750,000 when the child turns 65," says McKinley. "She would have to save $2,000 per year from age 22 to 65 ($86,000) to get roughly the same amount."
Of course, it's not always easy to get your teen to think about retirement, let alone persuade him or her to agree to save, rather than spend, their earnings. Many parents have success with matching their teen's contribution. So if your child only wants to contribute $1,000, you can also contribute $1,000, just as long as the total amount going into the account isn't more than your child's total yearly earnings
Friday, July 15, 2005
Financial Planning for Singles
Hello and Welcome!
In this week's issue Living on a Budget in a Non Budget World
Newsletter.
Money Saving Tips
Featured Article Financial Planning for Singles
Frugal Kid Fun
Top Conversations on the Money Saving Forums
Freebie, Contest, Coupon Exchange Alerts
The Frugal Five
Frugal Food Homemade BBQ sauces
Read this issue at:
http://www.budgetdial.com/news-July1505.htm
Enjoy! Best of luck in your savings
Theresa
P.S. Would you like a $500 Amusement Park Pack by participating in a special promotion?
Click Here
In this week's issue Living on a Budget in a Non Budget World
Newsletter.
Money Saving Tips
Featured Article Financial Planning for Singles
Frugal Kid Fun
Top Conversations on the Money Saving Forums
Freebie, Contest, Coupon Exchange Alerts
The Frugal Five
Frugal Food Homemade BBQ sauces
Read this issue at:
http://www.budgetdial.com/news-July1505.htm
Enjoy! Best of luck in your savings
Theresa
P.S. Would you like a $500 Amusement Park Pack by participating in a special promotion?
Click Here
Tuesday, July 12, 2005
Are you a slacker?
Are You A Slacker?
Jul 12, 2005 1:31 pm US/Eastern
(AP) A new survey finds that the average worker wastes more than two hours a day, and that’s not including lunch.
That means companies spend as much as $759 billion on salaries annually for which they receive no apparent benefit.
The results are from a Web survey by America Online and Salary.com.
The top excuse for wasting time nationwide is not enough work.
The second most popular is socializing with co-workers.
The survey found that workers in Missouri topped the slackers list, wasting an estimated three hours and 12 minutes a day. The survey didn’t offer an explanation.
But Governor Matt Blunt rejected the results, saying Missouri workers didn’t want to waste their time on the survey.
List: State/Daily Time Wasted/Salary Dollars Wasted
1 Missouri 3.2 hrs. $28.1 billion
2 Indiana 2.8 hrs. $25.1 billion
3 Kentucky 2.8 hrs. $15.4 billion
4 Wisconsin 2.8 hrs. $23.8 billion
5 Nevada 2.7 hrs. $9.7 billion
6 Oklahoma 2.7 hrs. $12.0 billion
7 Virginia 2.7 hrs. $29.0 billion
8 Pennsylvania 2.6 hrs. $43.0 billion
9 Connecticut 2.5 hrs. $11.8 billion
10 Idaho 2.5 hrs. $4.2 billion
11 New Mexico 2.5 hrs. $5.7 billion
12 Tennessee 2.5 hrs. $19.3 billion
13 Texas 2.5 hrs. $68.0 billion
14 Alabama 2.4 hrs. $12.8 billion
15 District of Columbia 2.4 hrs. $4.6 billion
16 Maryland 2.4 hrs. $17.0 billion
17 Mississippi 2.4 hrs. $7.6 billion
18 New York 2.4 hrs. $56.3 billion
19 Nebraska 2.3 hrs. $5.8 billion
20 California 2.2 hrs. $84.4 billion
21 Florida 2.2 hrs. $44.4 billion
22 North Dakota 2.2 hrs. $2.0 billion
23 Illinois 2.1 hrs. $30.7 billion
24 New Jersey 2.1 hrs. $21.3 billion
25 Ohio 2.1 hrs. $28.6 billion
26 Wyoming 2.1 hrs. $1.3 billion
27 Arkansas 2.0 hrs. $5.7 billion
28 Delaware 2.0 hrs. $2.1 billion
29 Georgia 2.0 hrs. $18.8 billion
30 Colorado 1.9 hrs. $9.7 billion
31 Massachusetts 1.9 hrs. $14.0 billion
32 Michigan 1.9 hrs. $19.1 billion
33 Minnesota 1.9 hrs. $11.8 billion
34 Oregon 1.9 hrs. $7.1 billion
35 Maine 1.8 hrs. $2.4 billion
36 Montana 1.8 hrs. $1.6 billion
37 Vermont 1.8 hrs. $1.2 billion
38 Washington 1.8 hrs. $10.7 billion
39 Iowa 1.7 hrs. $5.1 billion
40 Louisiana 1.7 hrs. $6.7 billion
41 Arizona 1.6 hrs. $7.4 billion
42 Utah 1.6 hrs. $3.4 billion
43 Alaska 1.5 hrs. $763 million
44 South Dakota 1.5 hrs. $982 million
45 Kansas 1.4 hrs. $2.8 billion
46 New Hampshire 1.4 hrs. $1.3 billion
47 North Carolina 1.4 hrs. $8.1 billion
48 West Virginia 1.4 hrs. $1.6 billion
49 Hawaii 1.3 hrs. $975 million
50 Rhode Island 1.3 hrs. $805 million
51 South Carolina 1.3 hrs. $3.0 billion
Jul 12, 2005 1:31 pm US/Eastern
(AP) A new survey finds that the average worker wastes more than two hours a day, and that’s not including lunch.
That means companies spend as much as $759 billion on salaries annually for which they receive no apparent benefit.
The results are from a Web survey by America Online and Salary.com.
The top excuse for wasting time nationwide is not enough work.
The second most popular is socializing with co-workers.
The survey found that workers in Missouri topped the slackers list, wasting an estimated three hours and 12 minutes a day. The survey didn’t offer an explanation.
But Governor Matt Blunt rejected the results, saying Missouri workers didn’t want to waste their time on the survey.
List: State/Daily Time Wasted/Salary Dollars Wasted
1 Missouri 3.2 hrs. $28.1 billion
2 Indiana 2.8 hrs. $25.1 billion
3 Kentucky 2.8 hrs. $15.4 billion
4 Wisconsin 2.8 hrs. $23.8 billion
5 Nevada 2.7 hrs. $9.7 billion
6 Oklahoma 2.7 hrs. $12.0 billion
7 Virginia 2.7 hrs. $29.0 billion
8 Pennsylvania 2.6 hrs. $43.0 billion
9 Connecticut 2.5 hrs. $11.8 billion
10 Idaho 2.5 hrs. $4.2 billion
11 New Mexico 2.5 hrs. $5.7 billion
12 Tennessee 2.5 hrs. $19.3 billion
13 Texas 2.5 hrs. $68.0 billion
14 Alabama 2.4 hrs. $12.8 billion
15 District of Columbia 2.4 hrs. $4.6 billion
16 Maryland 2.4 hrs. $17.0 billion
17 Mississippi 2.4 hrs. $7.6 billion
18 New York 2.4 hrs. $56.3 billion
19 Nebraska 2.3 hrs. $5.8 billion
20 California 2.2 hrs. $84.4 billion
21 Florida 2.2 hrs. $44.4 billion
22 North Dakota 2.2 hrs. $2.0 billion
23 Illinois 2.1 hrs. $30.7 billion
24 New Jersey 2.1 hrs. $21.3 billion
25 Ohio 2.1 hrs. $28.6 billion
26 Wyoming 2.1 hrs. $1.3 billion
27 Arkansas 2.0 hrs. $5.7 billion
28 Delaware 2.0 hrs. $2.1 billion
29 Georgia 2.0 hrs. $18.8 billion
30 Colorado 1.9 hrs. $9.7 billion
31 Massachusetts 1.9 hrs. $14.0 billion
32 Michigan 1.9 hrs. $19.1 billion
33 Minnesota 1.9 hrs. $11.8 billion
34 Oregon 1.9 hrs. $7.1 billion
35 Maine 1.8 hrs. $2.4 billion
36 Montana 1.8 hrs. $1.6 billion
37 Vermont 1.8 hrs. $1.2 billion
38 Washington 1.8 hrs. $10.7 billion
39 Iowa 1.7 hrs. $5.1 billion
40 Louisiana 1.7 hrs. $6.7 billion
41 Arizona 1.6 hrs. $7.4 billion
42 Utah 1.6 hrs. $3.4 billion
43 Alaska 1.5 hrs. $763 million
44 South Dakota 1.5 hrs. $982 million
45 Kansas 1.4 hrs. $2.8 billion
46 New Hampshire 1.4 hrs. $1.3 billion
47 North Carolina 1.4 hrs. $8.1 billion
48 West Virginia 1.4 hrs. $1.6 billion
49 Hawaii 1.3 hrs. $975 million
50 Rhode Island 1.3 hrs. $805 million
51 South Carolina 1.3 hrs. $3.0 billion
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