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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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Top Five Places In Atlanta To Get A Burger

You never pass up a good burger with a side of fries.    Here are five of my top places to grab a burger in Atlanta. 1.) Flip Burger Boutique –   The first time I ate at Flip, the menu really blew me away.   It completely changed my notion of what a ‘burger’ could be as the menu has features like a fried chicken burger, a blackened shrimp burger, and a fauxlafel burger.   It also wouldn’t be a visit to Flip without indulging in the N2 Liquid Milkshakes which feature Nutella with Burnt Marshmallow, Cap N’ Crunch, and Krispy Kreme milkshakes.   I would also tell you that the Brussel sprouts and tater tots with chocolate salt were outstanding. Visit Site 2.) Yeah! Burger – You can find this burger joint in Virginia Highlands or in the Howell Mill area.  You start out at Yeah! Burger by choosing your patty.    I tried the Bison burger which was delectable.     If you don’t like ...

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26 Billion More Down The Drain

It’s official. After months of challenging negotiations, government authorities announced last Thursday that they reached a $26 billion settlement with five of the nation’s biggest banks over their flawed and fraudulent foreclosure practices. The goal as it was spun to us the public was that this 26 billion dollar deal is intended to help troubled borrowers by lowering the amounts they owe on their homes and their overall mortgage payments.   So how is this deal going to work and why do I say another 26 billion down the drain? First off, 1.5 billion of the 26 billion is earmarked for some 750,000 homeowners who lost their homes to foreclosure between 2008 and 2011.   If you do the math, it’s roughly $2,000 per person.    Was I the only one in America who knew someone who just decided to stop making payments and let the bank take back their property?    In the meantime, some of these people were going on vacation instead ...

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Top 10 Unusual Scholarships

It’s that time of year where parents and students alike are searching for the millions of dollars of potential scholarships, grants, and financial aid that can be found to hedge against the cost of the gravity defying college education tuition and fees.  The Free Application of Federal Student Aid (FAFSA) deadline is June 30th, 2012, but there are many other ways to uncover additional monies to help supplement the cost of college.  Here are TEN unusual scholarships that you may want to learn more about over the next few months. 1.)  The Milk Mustache Scholarship – We know milk does a body good, but how about your wallet?  Every year there is an award called the Scholar Athlete Milk Mustache Of The Year Scholarship.    You will need at least a 3.20 GPA just to jump over the bar to get in the nomination process,  and winners can get up to a $7,500 scholarship.  (source: www.sammyapplication.com) 2.) Skater Boys – Well, ...

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5 Tax Mistakes Business Owners Make

Part of putting together an effective tax management strategy is gaining an understanding of what you can and cannot deduct from your tax return.   I see business owners that make mistakes every single day.  Every CPA or accountant seems to have a slightly different slant on the tax code, but here are a few that may be able to help you increase your bottom line as you grow your business. Wrong Entity Structure – If you are getting into business for the first time, it’s really important to sit down with someone qualified to discuss entity structure.    The reality is that you can set up your business as a sole proprietor, partnership, limited liability Corporation, S-Corporation, C-Corporation, or having multiple structures depending on how many businesses and whether real estate you own will be involved with the business.   Since these entities all work slightly different, a huge tax mistake I see owners make is having the wrong structure for the ...

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When Are Companies Going To Learn To Just Shoot Straight?

I’m excited that 2012 is here and consumers are starting to realize that they can win the money battle when they know something is just flat out wrong with a new offering from their provider.    Large companies need to begin to realize that the consumer today is evolving.   They don’t mind paying a fair price for a good product or service.  Sometimes they will even pay a premium if the value is created for them.   However, what they won’t put up with anymore are these made up fees that are broadly titled like they are doing something good for the consumer when in reality it is just another tack on fee to add to the bottom line.    All companies need to understand that the consumer can handle that prices will go up.   They just want to know what it is without any gimmicks or tricks in a straight forward way.   Instead, we keep getting these insulting fees added to bills ...

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Charitable deductions – Are these meant for donations inside our country or outside of our country?

I happened to be watching 60 minutes the other evening with another interview with President Obama.   After the interview, they did a short piece on Howard Buffett who is slated to take over as Chairman of the Board for Berkshire Hathaway in the near future.     Mostly, the story was about Howard being a farmer and the great charitable work he is doing around the world.    They discussed that Warren Buffett gave over 31 billion dollars to the Bill Gates foundation which is also spending a great deal of money helping those that are underprivileged around the world. While I was watching the program, several things occurred to me that I thought might of interest for the smart money moves readers.  First and foremost, it seems to me that we are very concerned with how to raise more revenue in this country to balance out our budget.   Part of the proposed solution is to potentially increase the estate or death tax ...

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Personal Finance 101: Generation X Series – Marriage And Medical 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.   Since I am 42 and have had a good deal of financial success, I’ve noticed some big mistakes that I see my generation making with their money and how they think about money.    This week I wanted to discuss what to do about your medical insurance after you get married. One of the questions I’m getting a lot from Gen X’ers as of late (especially those recently married in their late 30’s/early 40’s) is around what to do with medical insurance after being married.   Since the medical plans and financial contribution from each individual employer may vary, this ...

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5 Ways To Save Money On Thanksgiving Dinner

According to a report from the American Farm Bureau Federation, you’ll spend 13% more on Thanksgiving groceries than you did in 2010. The report also mentions how the average cost for a Thanksgiving dinner to feed 10 people in 2010 was $43.47 and this year, it’s expected to be $49.20.   I’m not sure what town the Farm Bureau got this data from, but I don’t think I’ve ever been able to pull off a Thanksgiving dinner for $4.92 per head.  Of course if you’re drinking two buck Chuck from Trader Joe’s than it possible to hit this number as long as nobody gets second helpings of stuffing.    With the rising costs of milk, turkey, and other consumer staples, you are likely to pay more this year if you are hosting Thanksgiving Dinner.   Here are a few tips that might save you some money and still pull off a nice meal. Go pot luck with your relatives or friends–  Ask each ...

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Personal Finance 101: Generation X Series – What Kind Of Term Insurance To Buy?

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.   Since I am 42 and have had a good deal of financial success, I’ve noticed some big mistakes that I see my generation making with their money and how they think about money.    This week I wanted to discuss what kind of term insurance to buy. One of the questions I’m getting a lot from Gen X’ers as of late (especially those recently married in their late 30’s/early 40’s is around buying term life insurance.   Many people seem to be confused around their options and how they can buy the protection.   Before you purchase life insurance, make sure ...

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