5 Important Things I Learned First-Hand About Buying a House

Posted in Personal Finance by Kevin | Tags: , , , , , , ,

Things Every Home Buyer MUST Keep In Mind

If you follow me on Twitter, you probably know that I am starting Pharmacy School in June in Phoenix, Arizona (actually Glendale, a suburb of the Phoenix). The process of moving out has led me to purchasing a foreclosed house 3 miles from my school. I am currently in escrow and the house will be mine on May 25th.

The process of searching for homes, interacting with real estate agents on both sides, and the entire process has allowed me to gain valuable experience that I can share with you.

7 Great Qualities Shared by the Rich and Successful

Posted in Personal Finance by galinavad | Tags: , , , , , ,

This is a guest post from Galina Vardanyan. Galina has lots of experience investing in stocks and financial blogging and volunteered to write this motivational piece for SmarterSpend readers.

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Most Rich People Share a Few Common Traits

There are several qualities that are shared by almost everyone who has “succeeded” in their career or hobby. Most of these skills can be acquired by everyone and must be closely followed. If you have ever wondered about the answer to the following questions, this article is for you:

What makes rich people “rich”?

4 Real Reasons the Economy Won’t Recover Until 2011

Posted in General Finance by Kevin | Tags: , , , , , , , , ,

The Economy Stinks

Let’s face it guys – the economy is not really recovering. Sure, Dow Jones was up for like 9 straight weeks (before yesterday’s selling Bonanza) and some economic indicators were pointing to recovery, but has there really been a change in consumer spending, unemployment and easing of credit? The answer is a loud no.

In this article, I will prove to you that no matter what you hear – we are still in a recession and have not started to recover. Usual economic graphs would have a bottom. In this case, our bottom is a plateau. The same is true around the world. There is way too much uncertainty, risk factors, and negative reports to leave any hope of recovering from the worldwide economic downturn.

Effects of the British Petroleum Spill and Arizona Immigration Law on the Economy

Posted in World Affairs by Kevin | Tags: , , , ,

Will the events of last week send shocks into the barely recovering economy?

Last week, two highly publicized events occurred in the United States that could shake the foundations of the limping economy. The first one, the passage of the Arizona immigration bill, has already led to boycotts and broken agreements. The second, an oil spill of epic proportions in the Gulf of Mexico by the huge British Petroleum oil corporation, is becoming one of the worst man made environmental disasters of all time.

We will skip all the political and environmental ramifications and concentrate on the effects on the economy.

10 Things You Must Know About a House Before Purchasing

Posted in General Finance by Kevin | Tags: , , , ,

Have You Decided to Buy a House

Buying a house means that you might be risking years and years of hard earned money and possibly putting yourself into debt that could take decades to pay off. There are lots of factors to take into consideration before you make your purchase in order to ensure you have a pleasant experience and come out financially healthy.

The rules are different if you are buying a house as an investment property than if you’re buying to live in it. In this article I will share some of the important things to consider about the property in question before you sign the contract and change your financial future.

7 Beautiful Vacation Spots for Traveling on a Budget in 2010

Posted in General Finance by Kevin | Tags: , , , , , , , , , , , ,

How To Vacation for Less without Compromising Luxury

In the past couple of years, people have been concocting innovative techniques in order to save money while enjoying their vacations. This has led to the rise in popularity of staycations, local trips, and more emphasis on the quality of time spent rather than the city with great things like road trips, family picnics, and nature journeys.

However, there are still great places to vacation at a fraction of the cost. In this article, I will include some national and international vacation spots that will offer you the most luxurious and enjoyable vacation memories without leaving you with a hole in your pocket. To help you further,

5 New “Must Read” Articles on Career Management

Posted in Careers by Kevin | Tags: , , ,

Economists have been predicting a ‘jobless’ recovery from the recession. In layman’s terms this means that there will slow progress where the economic conditions will improve based on GDP, but unemployment rates will barely changed. This means that people need to be aware of their job climate, where jobs are in demand, and what to do to improve their career prospects.

I’ve been reading some great career related advice from fellow personal finance bloggers and want to share some of these great reads with you. These articles were just written and contain a plethora of information.

Free Excel Spreadsheets for Budgeting your Finances

Posted in General Finance by Kevin | Tags: , , , , , , , , ,

Excel Spreadsheets Organize Your Finances

Personal finances can be very hard to manage without the use of spreadsheets for simplification, organization, and error reduction. However, designing a spreadsheet takes a lot of time and often requires the expert hand of an accountant. This is true especially for business spreadsheets, which take into account lots of expenses and income.

I have selected the finest spreadsheets from around the Internet for your use. Enjoy!

1) 401K Planner

Take into account all the variables of your 401k saving to see your retirement amount. Change the amount saved per check or the age of retirement and even the expected annual return. Comes with a cool graph to visualize your earnings.

Countries with the Worst Economies in 2010

Posted in World Affairs by Kevin | Tags: , , , , , , , , , ,

You might have read (and enjoyed) reading one of my previous posts, 7 Best Countries to Invest In. It has become one of my most visited posts in the past month and has a lot of interesting information on these seven countries.

I am going to turn the tables now and tell you the countries that have the worst economies in the world. Doing this list will allow people to see some common trends in these countries and help investors identify some trouble spots. Plus, its just interesting for anyone interested in finance to see how things are shaping up around the world after the Great Recession. To identify trouble areas, we list them in red so you can see what is each countries weak spot.

5 Hottest Electronic Deals for Easter Week

Posted in Spending by Kevin | Tags: , , , , , , , , , ,

First of all, Happy Easter everyone! I hope you enjoy the weekend and have a great time with your families.

The iPad was released yesterday and there is a lot of hype surrounding it, so I decided that its a good time for a post on great electronic deals you can find during the Easter weekend. I am hoping people find this post resourceful so that I continue posting posts about money saving deals on Smarter Spend.

These are the 10 hottest deals I found for electronics during Easter.

1) Sylvania 19” 720p LCD From Amazon.com – Price: $151.68
Price at next lowest retailer: $169.99 from Target

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