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Friday Free Stuff

free summer activities

  Who doesn’t love free stuff? Whenever we are going out of town, I always Google “free stuff in ……..” You’d be surprised at how many things pop up. Of course, free is not always better. I wouldn’t go out of my way to stand in line for something just because it’s free, but it’s always nice to score a good deal. Here is a small sampling of free food and fun you might want to take advantage of this summer. Activities Bowling– Register your child at kidsbowlfree.com for two free games of bowling on multiple days. Movies– Buy one movie ticket with a Visa Signature card and get one free every Friday until 8/21/2015 National Parks– Free admission on August 18th, 19th, and 25th Zoos– Free admission for Dad at select zoos on Father’s Day Museums-Many museums have free admission every day, but you also get free admission to select museums on July 4th and 5th as a Bank of America credit or debit card holder. Movie Rental-Free Redbox movie rental with confirmed email address. Food Free spaghetti or lasagna for Dad on Father’s Day at Spaghetti Warehouse Free chips and salsa for joining Qdoba’s reward program. Free hamburger ...

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Can Couples Save Money By Not Getting Married?

couples not getting married to save money

June has long been the most popular month for weddings. As couples are planning to walk down the aisle, hopefully, they are also planning their finances as a married couple. Not being on the same page financially is a reason many marriages don’t work out, but what if the happy couple does talk about money and determine that the numbers just don’t make sense. It is interesting to look at whether some couples can save money by not getting married. There was a good post at Retire By 40 recently about how it might be easier for single people to save money, but what about couples who don’t get married at all? We will assume that our theoretical couple cohabitates and is committed as if they were married.  Are there money benefits for avoiding a wedding? Marriage Tax Penalty For many couples, especially those with similar incomes, marriage increases income taxes. When married couples who file taxes jointly pay more in tax than they would have had to pay individually, this is know as the marriage tax penalty. For example, two people who each make $80,000 a year and file taxes individually would be in the 25 percent tax bracket, but ...

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When Being Cheap Costs A Fortune

being cheap costs a fortune

  In my day job, I’ve seen and heard some pretty amazing things. Some inspire me. Some make me smile. Some are down right tragic. It’s funny how a routine eye exam can bring up so many different topics of conversations, but one patient I saw last week was a sure reminder about spending money wisely. She certainly could be the poster child for when being cheap costs a fortune. I don’t claim to be an expert on health insurance, but I can usually look at a patient file and see when something doesn’t make sense. Most people over the age of 65 have Medicare Part A and B. Part A covers hospitalizations and doesn’t have a monthly premium if you paid Medicare taxes during working years. Part B covers doctor visits and outpatient care and costs $104.90 each month for people who are married and have family income less than $170,000 per year or for individuals making less than $85,000 per year. The $104.90 is deducted from social security payments unless you decline coverage. Medicare is the best deal going in health care if you ask me. The Cost of Being Cheap This patient was 71 years old, and ...

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New and Exciting Tools To Help With Budgeting and Saving Money

Weekend at Canyonlands National Park

It’s been a crazy week and I’m really glad it’s Friday. Our latest rental property project is all done and we already have a tenant. All that is holding us back is the final inspection. Somehow the city doesn’t seem to realize that another day of delay means less dollars in my pocket, but what can you do? Since I’m not making any extra rental money today, maybe I can save a bit with some new and exciting tools to help with budgeting and saving money. Personal Capital Now Has Budgeting   I have been using Personal Capital for over a year now, and I really like their interface that gives me the ability to check all my accounts at once. I used Mint in the past, and like it as well, but Personal Capital is much, much better for tracking investments because it gives a terrific breakdown of account balances, portfolio allocations, and fees being charged. One big complaint about Personal Capital was that it didn’t offer a budgeting tool. Of course, you can do one on your own or use another website, but who wants to log in to a million different places? Well, Personal Capital got the ...

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Ways Renters Can Save Money

ways to save money when renting a house

After being a landlord for almost three years, I’ve learned that tenants do some crazy things. From showing up drunk at a move in inspection to leaving all kinds of valuables behind, I really am not surprised by very much anymore. Since I get to see things from a different perspective than most of my tenants, I’m going let you in on ways renters can save money. 1) Don’t Move If You Don’t Have To Every time you move into a new rental, there are expenses that include rental and utility deposits, costs of moving, and any new household items, like blinds or bath mats, that you might have to buy. You might get deposits back at some point, but you just as easily might not if your landlord requires a cleaning fee or deems something is damaged. Obviously if you have to change cities or live in a rental that’s in poor shape, it makes sense to leave when your lease is up, but what if you don’t mind your place? Do your best to stay put. The grass is not always greener in a different home. Even if the landlord wants to raise rent, you have some options. ...

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