Help a Reader: House and Debt Decisions
Here's an email I recently received from a reader:

Category: Personal Finance Tags:
How Do I Compare Costs from One Furnace to Another?
As you know, we got a new, high-efficiency furnace last fall. Once winter is over here (which is the end of April, unfortunately), I'd like to do a cost comparison to see if the new furnace saved us money versus the old on we had last year, and if it did, how much it saved us.

Category: Personal Finance Tags:
Reader Mailbag: Time
The more of life I experience, the more I realize that the most valuable thing a person has in their life is time. The cost of a book is trivial compared to the value of the time spent reading it. The cost of raising a child in terms of dollars is far less than the value of the time spent rearing the children.
Time is the one thing I wish I had more of.

Category: Personal Finance Tags:
PSA: Monoprice.com Possibly Hacked; Credit Card Data Stolen?
Although relatively new, Monoprice.com has quickly become a very popular place to buy cheap but high quality audio/video cables and adapters online. I recommended shopping there if you’re trying to connect your laptop to your TV (and maybe drop your cable subscription?). I’ve probably bought from them five times in the last year, and I don’t even shop online that much.

Category: Personal Finance Tags:
New PineCone Research Application Link (Paid Surveys)
Here is an updated application link at Pinecone Research, which is again accepting new members. (May expire at any time, so apply now if you’re interested!) Looks open to all, but only one person per household can sign up. Link via Realm of Prosperity.

Category: Personal Finance Tags:
How and Why to Diversify Your Income
Time and again we hear that investment diversification is a must, and rightly so. Diversifying investments – by investing in a variety of different types of index funds and/or ETFs, for example – is a wise strategy for reducing risk.

Category: Personal Finance Tags:
Five Things You Need to Know about Social Security
Kiplinger lists five things you need to know about Social Security as follows:
1. Patience pays off. The longer you wait, the bigger the check.
2. Marriage has its perks. Couples have the most flexibility.

Category: Personal Finance Tags:
Resisting the Time Suck
This post is from GRS staff writer April Dykman.
I usually have an idea of what I want to accomplish once I get home from work. It goes something like this:

Category: Personal Finance Tags:
Earn $200k More by Waiting to Take Social Security Benefits
CBS MoneyWatch weighs in on when to take Social Security benefits. Here's a summary of their thoughts:
Today, most people who qualify for Social Security are eager to get their hands on a check as soon as possible. A full 70 percent of recipients sign up for Social Security between age 62 and the normal full retirement age, which is between 65 and 67, depending on the year you were born.

Category: Personal Finance Tags:
Best Places to Invest for Retirement
A reader named KC recently wrote in with a question about investing for retirement:
I’m 28 years old with a wife and a six month old baby. We’ve always been money-conscious, but would really like to focus our efforts. We both have Roth IRAs, but are not satisfied with them. They are heavily loaded, and we weren’t that familiar with them when we were advised to set them up. My question is where you would recommend I go for a long-term investing vehicle? I always hear to go with no-load mutual funds but would like your opinion.

Category: Personal Finance Tags:
Help a Reader: How to Leave a Job
Here's an email I received from a reader earlier today:

Category: Personal Finance Tags:
Children and Excess
My two children are extremely blessed in many ways. Perhaps their greatest blessing is that they’ve surrounded by a family that loves them dearly and truly cares about their future in a deep, fundamental way – and I’m not merely talking about myself. I’m talking about their grandparents, their aunts and uncles, even some of their cousins. They are surrounded by a cadre of people who love them, care for them, and truly want them to have a wonderful life.

Category: Personal Finance Tags:
Check Your Federal Tax Refund Status
For years, I loved to get a tax refund. In fact, it seemed the only way I could save was by having extra withheld from my paycheck so that I’d get a big refund at the end of the year. Using this method, I was able to buy a new computer, a new bike, and all sorts of other toys. (But, of course, I was never smart enough to use the money to pay down debt.)

Category: Personal Finance Tags:
Where the Jobs Are Now
The following is an excerpt from Where the Jobs Are Now: The Fastest-Growing Industries and How to Break Into Them.

Category: Personal Finance Tags:
The Hidden Cost of Spending While In Debt
This article is by staff writer Adam Baker, who recently released an 83-page guide entitled Unautomate Your Finances.
Courtney and I are big fans of what we call “mental filters”. These are simple little tips and tricks that we can use to increase our financial awareness. (J.D. likes to call these tips and tricks money hacks.)

Category: Personal Finance Tags:
The Simple Dollar Weekly Roundup: Single Weekend Edition
A weird sequence of events has caused me to find myself all alone over the coming weekend. My wife is visiting her sister, while my two children are visiting their grandparents. This leaves me with two full days without any real responsibilities.
Of course, me being me, I already have a long list of stuff to do – things that simply require some focused hours and are difficult to do when the family is around. Five years ago, I would have been headed to the golf course or to Prairie Meadows. Times change, I guess.

Category: Personal Finance Tags:
Four Good Ways to Maintain Good Savings Habits After the Recession
This is a guest post from Richard Barrington, who is a banking analyst for MoneyRates.com. Richard previously spent over twenty years as an investment industry executive.
Many people got religion about saving money during the recent recession. This reversed a trend of steadily climbing U.S. debt burdens–or is it just a temporary pause in that trend?

Category: Personal Finance Tags:
E-File Your Federal Tax Return Extension For Free
April 15th is only a month away, and you haven’t started your taxes yet. Time to file an extension! The IRS automatically grants a 6-month extension to anyone who asks. Asking a search engine will often direct you towards websites like FileLater.com that charge upwards of $20 to file the form, but here are two ways that anybody can e-File for free. Apparently, the only thing keeping these sites in business is lack of education!

Category: Personal Finance Tags:
Weddings Cost Much More than You Imagine
The Wall Street Journal says that weddings are much more expensive than people think, stating the following:
Your $18,000 wedding? It may really end up costing you between $90,000 and $200,000.
That's because the biggest cost of every dollar you spend is invisible. It's all the money you'd accumulate if you saved it instead. Over long periods, this cost dwarfs the mere sticker price, often by a factor of several times.

Category: Personal Finance Tags:
Free Priority Club 300 Points
Here's a 5 question survery to earn an extra 300 Priority Club Point points @ http://usa-survey.priorityclub.com/mwpvwj . After answering the questions the points were immediately added to my account.
Found via slickdeals.

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