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No More Buying Cookie Dough From Your Kids!

By: Genna Jenkin The Your Smart Money Moves Mom We’ve all been there. At some point during the school year your child brings home the dreaded fundraising envelope! Inside are all the materials you will need to ply friends and family to purchase vats of cookie dough, reams of wrapping paper or the never-ending magazine subscriptions. However since these unwanted items help in providing much-needed funds to your local schools the purchases are begrudgingly made. Can you imagine what a treat it would be to be able to provide those same funds to your youngster’s school not by buying something, but by getting rid of something you no longer need? This is the concept behind an amazing program conceived by Stacey Boyd. Since this entrepreneur and CEO of Schoola.com opened the cyber doors of her new idea, schoola.com/stitch, many parents throughout the country have signed up to make money for their schools by cleaning out their closets, specifically their children’s closets. ...

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Personal Finance 101: Generation X – You Just Turned 40: Last Time To Get Life Insurance?

Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands of people, I can tell you that many of you who were born 1960 to 1964 fit within the Generation X type of financial and personal attitude. In the last six months, I’ve seen both friends and family who are in the 40 to 45 year old range dealing with major medical issues.   I’m 42 and when people told me about 10 years ago the aches in my joints would be just a little bit worse . . . well I hate to admit but they were correct.    Recently, I had three different people I know who drove themselves down to the emergency room thinking that they might be having a stroke or heart attack.    I know three different people who were diagnosed with some ...

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5 Ways To Cut Down Your Cell Phone Bill

Many of the clients I sit down with tell me how their basic bills continue to rise year over year.   Two of the main monthly costs that keep going up and up for many families are the cable bill and the cell phone bill.   Since mobile companies offer so many different types of plans with minutes, data, texting, and other additional options, it’s important that you review your family cell phone bill each year to see how you can keep costs to a minimum.   Here are five ways you can potentially cut down on your cell phone bill. Who Is Your Top Ten?- Most of the mobile phone companies will offer some type free minute program around your top ten friends and family you call the most.   Between my phone, my wife’s phone, and the two phones my daughters have, we checked to see which numbers were called the most so we could access the most amounts of free minutes.    ...

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What About The Breakfast Wedding?

My wife and I were discussing the other evening the whole idea of the cost of a wedding. We have two daughters, and it is quite possible someday we may have to pay for two weddings. We keep asking ourselves what the cost may be in the future for a full scale wedding. She was telling me about an old tradition during the conversation called a breakfast wedding. Weddings seem to get broken down into two different directions today. First, the traditional wedding generally has a ceremony followed by a reception and day or evening of fun. When you start to add up the costs for that type of wedding with catered food, band, flowers, photographer, clothing, lodging, etc. it can run more than $100 per head at the snap of your fingers. The second type of wedding is a destination wedding. This is having a bunch of your friends and family come to some exotic or intimate location for ...

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