One of my favorite coupon bloggers posted a monster coupon haul that she donated to her local food back through her daughters school food drive.

The Coupon Goddess made $104.45 by purchasing $1,679.56 worth of products from Shaws and she says she’s only HALFWAY though with this great sale.

I love to see people helping other people by mastering the art of couponing and then donating their great deals. The Coupon Goddess also helps support a group of soldiers in Iraq on a regular basis as well as sustaining her family on one income so she can stay home with her munchkins.

Kuddos Coupon Goddess!

Coupon Goddess Spins Gold out of Air is a post from: Dough Defender

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By Gregory Sessa

If you owned stocks or mutual funds at the start of the 21st century, you no doubt felt the financial pain of the market’s crash. Between the stock market’s peak in March 2000 to its subsequent bottom in October 2002, and then the drop again in 2008 and 2009, the combined market value of companies traded on the New York Stock Exchange and NASDAQ fell tremendously.

While the stock market has recovered to a degree, that’s little solace to those whose portfolios were decimated by the market’s drastic drop. Many consumers who are especially risk averse, such as retirees and those nearing retirement, are wary of ever returning to the stock market, given its inherent risk.

During the same time as the stock market freefall, nearly all consumers who purchased a relatively new type of fixed annuity, called an index annuity, did not lose a dime of their original principal. This prompts consumers to ask, “how is this possible?”

The reason index annuity owners can feel secure about not losing their principal is because 100 percent of the principal in an index annuity is backed by the financial strength of the issuing insurance company. Congress mandates that insurance companies back your money, dollar for dollar, in capital reserves. FDIC insurance in contrast has less that $2 in reserve for every $100.00 in your account! Index annuity owners earn a guaranteed minimum rate of return and potentially can earn more, depending on their annuity’s index linked rate of return.

The issuing insurance company links the index annuity’s interest rate to a select external index. Most index annuities have interest returns linked to the S&P 500 or the Dow Jones Industrial Average and some are linked to other indices. The index-linked interest rate earned is usually a percentage of the growth of the index. It is important to note that index annuities are not securities, nor should they be considered a direct alternative to securities.

Knowing that consumers may occasionally wish to tap the funds in their accounts for emergencies or other reasons, most index annuity issuers allow some sort of annual withdrawal, up to a set amount without assessing withdrawal charges. A feature in the newest annuities today can guarantee income that the client can never out live no matter how the market moves; up, down, or side ways. The income is guaranteed for life without annuitization and the amount left over in the contract value will pass to their heirs.

Annuities are sold in amounts as little as $2,000 to $5,000 and offered by some of the most highly ranked and financially sound companies in the insurance industry. Index annuities also are unique because purchasers do not pay any up-front sales charge.Your insurance agent is compensated solely by the issuing insurance company. When you buy an index annuity, 100 percent of your principal goes directly into the contract. Some even offer a bonus of up to 10% so 110% of your money is working for you from day one.

If you are interested in diversifying your assets with guarantees of safety and security, lifetime income you cannot out live, index linked gains with unique features, and peace of mind to let you sleep at night, the index annuity is right for you.

Can Index Annuities Offer Peace of Mind and Guarantee Income For Life? is a post from: Dough Defender

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Maybe you don’t need to worry about protecting the structure itself, but what about your stuff and yourself? All it takes is for the 6yr old upstairs to turn on the bath and forget to turn it off. If you don’t have a renter’s insurance policy you can kiss your electronics goodbye. Most of the time the landlord’s homeowners policy will cover the damanges to the property, but his policy won’t cover your belongings. You’re expected to have a policy of your own to cover that. Many renter’s insurance policies will also cover the expenses of an alternative place to stay while the damages from floods and fires are being repaired, usually under the category of additional expenses due to your claim. Renter’s insurance policies also protect you against liability if anyone else is injured in your home including court settlements and legal fees.

Standard Renter’s Insurance

The standard renter’s insurance policy, the HO-4 policy is for renters. There is also a policy specifically for condo owners, the HO-6 policy. Both HO-4 and HO-6 cover losses to your personal property from 16 types of perils:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Damage caused by aircraft
• Damage caused by vehicles
• Smoke
• Vandalism or malicious mischief
• Theft
• Volcanic eruption
• Falling objects
• Weight of ice, snow, or sleet
• Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
• Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
• Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance

Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)

Floods and earthquakes are not included. If you live in areas at high risk of floods or earthquakes, then you’ll need to buy a separate policy or a rider. If you live in an area prone to hurricanes, you may also need to buy a separate rider to cover wind damage.

If you have expensive items to insure, ask about having an endorsement added to your policy to cover those items – and get them professionally appraised!

Actual Cash Value vs. Replacement Cost

Each renter’s insurance policy will be different in the amount covered for your belongings. Some policies will cover the actual cash value (ACV) of the item and some will offer reimbursement of the replacement cost.

ACV coverage only covers the amount the item was worth at the time it was damanged or stolen. Factoring in the deductible, you will receive less reimburement under this coverage. Leaving you short when you need to purchase your items brand new.

Replacement cost coverage will cover the the actual cost of replacing the item minus the deductible. Replacment cost coverage will come with higher premiums, but also higher payouts if you do need to file a claim. Look out for limits on high value items. For large ticket items you may need to add a rider to make up any difference in the cost of replacement and the policy coverage limits.

Take Inventory

It is important to take a full inventory of your belongings in order to receive full compensation in the event of a claim. A complete inventory will list each item you own along with it’s value and serial number if it has one.
When you create your inventory, go through each room and photograph or videotape the room. Make sure to include open closets and drawers, along with any storage spaces. Keep the photos or videos in a fire proof safe or a safe deposit box to keep them safe from the perils you’re trying to protect yourself from. More on creating your personal belonging inventory can be found here KnowYourStuff.org.

Renter’s insurance is often provided along side your auto policy and it’s fairly inexpensive to add. Everyone should be covered, you never know when the “just in case” will get ya!

Renter’s Insurance: Learn the Facts is a post from: Dough Defender

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I’m back from a week long vacation in the mountains of Colorado. Was looking for a week of nothing, nothing wasn’t exactly what happened since I work many jobs and they always seem to hunt me down no matter what I do or where I go. Eh, I did get some time to myself so it wasn’t a total bust.

Now I’m catching up with my Google Reader and I was perusing @ChristianPF to find an interesting review of a new personal finance book that looks rather interesting. Where to Put Your Money Now by Peter Passell attempts to give direction and guidance to the burning questions of where to invest safely and effectively to grow your wealth.

I think I’ll check it out! If you’ve already gotten a hold of this one tell us what you thought about it in the comments. I’d love to hear more reviews before investing in a copy of my own.

Check out the full review of Where to Put Your Money NOW: How to Make Super-Safe Investments and Secure Your Future
at Christian Personal Finance.

New Personal Finance Book: Where to Put Your Money Now is a post from: Dough Defender

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Here’s the 4th installation in the couponing video series. Walk through the store and see how it’s all put into action! Even get some products for FREE, up for free.

Grocery Shopping Secrets Part 4: Couponing in Action is a post from: Dough Defender

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I don’t think so and neither does David over at the personal finance blog, Money Under 30: Personal Finance for the Young and Ambitious. David tells us in the following post why renting is not wasting money.

Do you agree?

All my friends who bought homes before their 30th birthday love to proclaim that they’re no longer “throwing money away” by paying rent. Although I too aspire to one day own my home, I’ve never felt like renting is wasting money. That’s because when I do buy a home, I will buy a place to live; not an investment.

Your House Is Not That Great of an Investment

It’s true: some make millions investing in real estate. Some homeowners have even been lucky enough to retire solely on the resale value of their home 30 years after they purchased it. For most, however, reality is very different.

Yes: over the long run, a well-maintained home in a desirable location should appreciate. But according to this report, economists say the U.S. housing market had a average annual return of just slightly more than zero over the last 115 years (adjusted for inflation). The stock market, on the other hand, averaged 7% annual returns. Faced with those figures, why would anybody invest in a home rather than the stock market?

Homes Suck Money

Next up is the undeniable fact that homes are costly to maintain. They must be painted, landscaped, and otherwise kept up to maintain value. And they are full of expensive appliances that break at the most inconvenient times.

Why do you think your landlord is so slow to return you call about the leaky sink? She wants to get as many years out of that sink as possible. Of course, she probably has a brand new sink in her own home (as would you, if you owned your pad). When we own our homes, we make repairs and renovations based on emotions, not resale value, making owning a home far more expensive than renting.

You Can’t Control Your Taxes (Or Your Neighbors)

When you buy a home, you make a long term commitment to your neighborhood, for better or worse. If you live a city or town with a great economy and school system, chances are your home value will increase. Unfortunately, so will your property taxes. If your salary isn’t soaring as high as those of people flocking to your town, you may find yourself unable to afford to stay there.

On the flip side, if your neighborhood deteriorates, you’re the one not just living there, but owning property. If you rent, you can move at the end of the lease and let your landlord figure out how to deal with the depreciating property.

The Bottom Line on Renting

My simple, no-nonsense financial advice on housing: Monthly housing expenses (whether rent or a mortgage) are your payments for a place to live. Spend accordingly, and save or invest the difference. If you want the pride (and responsibility) of home ownership, by all means buy a home—you might even make money on it. But don’t count on your home as an investment. And please, don’t beat yourself up for “throwing money away” on rent.

Is Rent Wasted Money? is a post from: Dough Defender

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I set out to find a way to manage these crazy bills and ran across this article at Not Made of Money. I found it to be helpful, although some of this information would have been helpful a few years ago…let me know what you think.

A college degree is a very admirable goal. But in recent weeks there have been a number of articles detailing an extremely alarming trend.

All too often, students are taking on unmanageable, future debt loads as they pursue their dream of a college degree. The end result is that while earning that all-important diploma too many students are mortgaging their entire future.

To be sure that their college degree will in fact better their future, students must understand some key financial basics.

Understand Good Debt vs. Bad Debt

Students should understand that there are two forms of debt, good debt and bad debt. An example of a good debt involves the purchase of a home. Such a purchase has the potential to increase in value over time.

A loan for college is also considered good debt as it is an investment in your future. Armed with a college degree, students will have the potential for a better job and greater earnings.

Two basic examples of bad debt are credit card debt and a car loan. Both debts will cost you more than the original article was worth and these items will not appreciate over time. Making matters worse, they also generally carry much higher interest rates – therefore, a greater portion of your payment will go towards interest and far less towards principal.

Minimize All Debt

First and foremost, while in school a student should not accrue any bad debt. If you use a credit card to purchase an item, then pay that credit card off immediately. Paying only the minimum amount required is terrible practice – your bad debt will only grow.

At the same time, be sure to minimize your good debt. In much the same manner as one’s ability to pay limits what a person can borrow to purchase a home, the same should be true for borrowing for school. Students must carefully weigh the amount they will borrow for school versus what they can routinely expect to be able to pay back in the future.

Apply for Federal Aid and Scholarships

It is imperative that every student realize that the vast majority of individuals would not be able to attend college without some financial assistance. Amazingly, large numbers of needy students do not even apply for the cheapest form of aid.

To obtain the less-expensive federal support, borrowers must first file the Free Application for Federal Student Aid, or FAFSA form. The fact of the matter is you get financial aid only when you apply for it.

No doubt about it, the FAFSA form is a major pain. It is lengthy and in-depth so it will take tons of time to gather all of the important data needed to fill the form out properly. But the FAFSA is your ticket to scholarships, grants, and the lowest-interest loans available.

Most importantly, do not consider any private, higher-interest-rate loans until you have exhausted the federal funds available. The key issue in regards to borrowing for school is that if you are not careful, you can accrue college loan debt that will cripple your entire financial future. Earning a college degree does create the potential for greater future earnings but every student needs to understand that there are limits to what he or she can reasonably pay back.

Create a Monthly Budget

To ensure you live within your means, construct a monthly budget for all expenses beyond tuition and your room and board. Plan how much you will spend for the month and what you will spend that money on. More importantly, once you have planned out a budget, keep track of your expenses to see if you are spending according to your budgetary plan.

If not, you should adjust accordingly – you may legitimately need to add some dollars to one area because it does cost more than you expected. When you adjust an area upwards, you have two basic options. The first is to reduce your expenses in another area. The other is to earn more spending money.

Work While in School

First, find some form of employment for the summer months. Work as much as you can and save as much as is possible. If you have to, mow lawns or work as a waitress. Make it a goal to earn enough money, at a minimum, to pay for a portion of your room and board expenses and the cost of textbooks. It would be even better to set higher goals so as to ensure you minimize what you need to borrow while attending school.

Moreover, the simplest way to ensure that you both keep from accruing bad debt during your school years and accumulating too much good debt is to work even while attending school. Working as little as seven hours a week, or one hour per day, can create as much as $50.00 worth of income every week.

Such money will certainly be enough for all the clothing and personal items you truly need. It will even give you a decent sum for a night out or that occasional pizza. With a little effort you can incorporate your basic school supplies into the mix, including saving a few dollars to pay for your books for next semester.

The Value of a College Degree

There is little debate that earning a college degree is a step towards better career options and compensation. But today, far too many students are accumulating so much debt during the process that they never see the benefits of higher wages.

Instead, those funds and a great deal more end up simply going to pay off the debt the student accumulated while in school. In such instances, the accrued debt can actually render a college degree a net negative.

Author Info: TJ Hanson, GoCollege.com (http://www.gocollege.com/). The Digital Student Blog (http://www.blog.gocollege.com/)

Five Key Steps to Managing College Loan Debt is a post from: Dough Defender

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We all know about Fair Isaac, the company responsible for the formula behind the sometimes-elusive FICO score. Well, the FICO has been ready for an update for while now and it’s finally being rolled out.

The new formula, FICO 08, is intended to provide a more accurate risk assessment of credit history. The formula has been revamped and is ready for roll out, however only one of the major credit reporting bureaus is using it. Equifax has gone ahead and with plans to use the new system so don’t abandon the old system just yet.

Here are some of the things you need to know about the new system.

No more sponging a good score

We used to be able to gain a better FICO by getting someone with a high score to let us in as an authorized user of one of his or her accounts. This would improve the score of the person with the poor score. Under the new system, this will no longer happen. You’ve got to earn the high score yourself.

Some bad accounts are not a big deal

Accounts with balances less than $100 are not heavily weighted, even if they go to collections! You should still pay those small accounts though, don’t use this as a get out of jail free card.

Your score won’t be tanked by one bad account

On the old FICO system, we were penalized big time for just one credit blemish. Now, if it’s just one credit flaw, while all the other accounts are in good standing, that one blemish won’t matter as much. That care repossession that never got paid off may not prevent you from opening a new account now if everything else is in good shape.

High points for available credit

We were always told to close unused, zero balance accounts. With the new system, we can chuck that advice right out the window. The new system adds a lot of weight to how much available credit you have. Keep those accounts open if you aren’t using them.

Gotta mix it up

The new system requires a varied portfolio of credit accounts. It’s not enough to just have a Best Buy charge card. You’ve got to have several different types of credit to rank high with this new formula.

What do you think about this new system? Is it better then the old?

Fair Isaac Updates with FICO 08 is a post from: Dough Defender

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Mint is a new online money management site in a similar vein to Yodlee and Wesabe, allowing users to visit one web portal to all of their accounts and financial information vs. logging in to a separate banking site for each account. This not only makes it easier for users to use the abundant online banking features available, it also facilitates easy viewing from anywhere there is an internet connection.

Unlike some of the traditional heavy hitters in the world of personal finance software like Quicken and Money the information in Mint is updated with ease and is truly an online platform for money management, monitoring user accounts constantly and sending alerts for low balances and credit limits. Mint allows users to take control of their current financial situation.

Mint just happens to have a great personal finance blog as well, handing out personal finance advice and resources for everyone. In fact, they have combed the internet to find the best personal finance resources in e-book format. According to Mint, you will reference these resources most.

Basics of Personal Finance

1. Building Wealth: A Beginner’s Guide to Securing Your Financial Future (1.2 MB 39 pg) – An excellent e-Book from the Federal Reserve Bank of Dallas (putting all the other Feds to shame), this guide helps individuals and families develop a plan for building personal wealth. It presents an overview of personal wealth-building strategies that includes setting financial goals, seeking guidance, budgeting, saving and investing, and managing debt.
2. Pathways to Getting Ahead (882 KB, 48 pg) – A very good booklet, this guide is targeted to young adults, and aims to spur thinking about the importance of asset building in their personal lives and about how larger policy decisions impact the choices they make.
3. Money Matters: Your Guide for Financial Security (24 MB, 32 pg) – Get helpful tips on how to set financial goals, organize your financial files, find a financial professional, understand your investment options and responsibilities, and be a wise borrower.
4. Banking Basics (721 KB, 44 pg) – From the Federal Reserve Bank of Boston, this e-Book provides an introduction to banking for young people that answers many basic questions: What is a bank? What makes one type of account different from another? Why do banks fail and what happens when they do?
5. Simple Strategies for Managing Your Money (7.5 MB, 12 pg) – From the FDIC. Use the helpful checklists to get financially fit, avoid bad deals and scams, insure all your deposits, and effectively resolve problems with financial institutions.
6. Taking Control of Your Finances (1.3 MB, 12 pg) – Another handy guide from the FDIC that’s geared toward young adults — from those still in school to just starting a career or a family. Learn the right ways to save and manage money, and how to avoid some common mistakes people make with their cash flow.

Consumer Awareness

1. Consumer Action Handbook (11 MB, 178 pg) – This is one of the most popular books published by the federal government (seriously). The 176 page e-Book is an easy-to-read guide offering general buying tips and ways to resolve marketplace problems (including sample complaint letters), as well as information on specific topics such as credit, cars, insurance, and travel. There are thousands of names, addresses, telephone numbers and websites for corporations, trade groups, state and local consumer protection offices and federal agencies.
2. Consumer’s Almanac (562 KB, 32 pg) – Organize your expenses, save for the future, and manage your credit with monthly calendars and worksheets.
3. Ten Questions to Ask When Choosing a Financial Planner (347 KB, 14 pg) – A straight-forward brochure from the Certified Financial Planners on 10 questions you should ask when you look for a financial planner — an important decision that should be accompanied by important questions.

Credit & Credit Cards

1. Building a Better Credit Report (235 KB, 24 pg) – Learn how to legally improve your credit report, how to deal with debt, how to spot credit-related scams, and more.
2. SHOP: The Credit Card You Pick Can Save You Money (213 KB, 13 pg) – This consumer awareness brochure provides tips on picking the right credit card that meets your spending and repayment habits. It focuses on key costs and terms to consider such as the annual percentage rate (APR), the cash advances, the annual fee, and the grace period, to name a few.
3. Healthy Credit (1.2 MB, 12 pg) – Learn more about how your credit report and credit score affect your ability to borrow money and stay healthy financially.

Saving & Investing

1. 66 Ways to Save Money (78 KB) – One of the classic publications with over two million copies distributed. It details practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more.
2. Get the Facts on Saving and Investing (5.7 MB, 32 pg) – From the SEC. A road map to start you on a journey to financial security through saving and investing. Use this guide helpful tips and worksheets for calculating net worth, income, and expenses.
3. How SIPC Protects You (3.3 MB, 10 pg) – If your brokerage firm closes due to bankruptcy or other financial difficulties, the Securities Investor Protection Corporation (SIPC) works to return your assets. Find out what SIPC does and does not cover.
4. All About… The Foreign Exchange Market in the United States (assorted PDF) – Discusses in detail the operations, participants and instruments in the U.S. segment of the global foreign exchange market.
5. Tools of the Trade: A Basic Guide to Financial Derivatives (2.1 MB, 15 pg) – This guide offers insight into when and how derivatives can be valuable tools for managing financial risk and focuses on pertinent questions to ask yourself and others before you or your company invests.

Mortgages

1. Know Before You Go… To Get a Mortgage (684 KB, 16 pg) – The purpose of this guide is to provide general mortgage information to consumers and to shed some light on the risks associated with today’s more complex mortgage offerings. It is by no means meant to counsel consumers to avoid certain products, but rather to alert them to potential risks, and encourage them to make informed decisions and to be aware that certain products may be appropriate for some borrowers but not for others.
2. Interest-Only Mortgage Payments and Payment-Option ARM’s: Are they for you? – Information to help you decide if an interest-only mortgage payment is right for you (Note: In Mint’s opinion, they’re likely not).

Retirement Planning

1. Savings Fitness: A Guide to Your Money and Your Financial Future (3.2 MB, 16 pg) – Create your personal savings plan and prepare for retirement with this step-by-step guide.
2. 401(k) Plans (41 KB, 7 pg) – Explains what these plans are, what happens when you change employers, and what to do if you need the money before retirement.
3. Variable Annuities: What You Should Know (11.3 MB, 24 pg) – Explains what they are, how they work, what you have to pay, and questions to ask before you invest.

Estate Planning & Insurance

1. Estate Planning (48 kb, 9 pg) – Covers why a will is important and how to prepare one; how to estimate the size of your estate and minimize taxes; and how to set up powers of attorney and advance medical directives.
2. Living Trust Offers (132 KB, 4 pg) – From the Federal Trade Commission, a small pamphlet to find out if living trusts are right for you and how to protect yourself from scams when planning your estate.
3. What You Should Know About Buying Life Insurance (312 KB, 28 pg) – A quick 28 page pamphlet that describes various types of life insurance, with tips on choosing a company, an agent, and a policy that meets your needs.

Privacy & Security

1. ID Theft: What It’s All About (711 KB, 36 pg) – A small information pamphlet from the FTC that details how thieves can steal your personal information and use it to commit fraud for long periods without your knowledge. Here’s how to protect yourself, and what to do if you are a victim.
2. Identity Theft (452 KB, 22 pg) – This booklet is designed to help you understand what identity theft is, how it happens, how to protect yourself, and what steps to take if your identity is stolen. There is a companion video along with the booklet, available here.
3. Privacy Choices for Your Personal Financial Information (77 KB, 6 pg) – A small booklet that explains your right to opt out of sharing some of your personal information and lists the types of information that financial companies can share about you.
4. Identity Theft and Your Social Security Number (218 KB, 8 pg) – Someone illegally using your Social Security number can steal your financial identity and your money. Find out how to prevent identify theft, how to report it if you suspect it, and if you can get a new Social Security number if you are a victim.
5. Phishing and Pharming: Helping Consumers Avoid Internet Fraud (387 KB, 8 pg) – The increase in online transactions has been accompanied by an increase in online identity theft. Fraudulent access to personal information over the Internet is increasingly prevalent and sophisticated. Two forms of identity theft are at the forefront of this Internet piracy: phishing and pharming.

Bonus e-Book from Awesome Readers:

1. What Women Need to Know About Retirement (300 KB, 78 pg) – A project from the Heinz Family Philanthropies and The Women’s Institute for a Secure Retirement, this 78 page e-Book covers the why, where, and what of retirement (and it’s not just for women!). Topics include: stocks, bonds, social security, and health care. A very decent can’t miss e-Book!

Mint and 30 Free eBooks About Personal Finance! is a post from: Dough Defender

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Dowling tackles the topics of price matching, rebates, and many rewards programs and includes detailed examples of how to effectively stack or combine sales and discounts.

Check out Conserving Your Assets and you’ll be an expert in no time with a HUGE pile of loot and a FAT wallet.

Ebook: Conserving Your Assets is a post from: Dough Defender

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