1. Buy Christmas gifts during store sales.
 
2. Visit local vendors, you can probably haggle to good a good deal on the same items you find in the department store.
 
3. If you are good with arts & craft, think of creative gifts to give that you can make yourself.
 
4. Visit the dollar store to look for children's gifts.Read the rest...

Truth be told, there are only a few things you can control in your investment portfolio, and market direction isn't one of them. Accordingly, Bogleheads don't try to outguess Mr. Market. Instead, Bogleheads create an "I don't know and I don't care" portfolio, and you can create one too. Here's how:Read the rest...

If you have been looking for a good online retirement calculator that is free (our favorite word), I can recommend FIRECalc. I've used it for years and believe that it's very accurate. Play with it for a while and see if it works for you.
 
Averages don't tell you much at all. Retire in the early 1970s, starting with $750,000 and taking out $35,000 each year, and on average you'll do just fine. But that average is meaningless.Read the rest...

Plasma and LCD HDTVs are a popular item that shoppers love to buy on Black Friday because of the huge discounts offered by Walmart, Best Buy, and Circuit City. By purchasing your TV on Black Friday, you'll save hundreds of dollars off the normal retail price. Plus, you'll have your choice from all of the top brands, including Panasonic, Samsung, LG, and Sharp.
 
 
http://www.black-friday.net/

Everyone wants to own their "own place", but is it all good? Of course not, here are five truths that I have realized.
Can you add more?
 Read the rest...

Here are 9 ways to minimize identity theft damage.  Read the rest...

As was reported in an article that I recently read, Half of workers changing jobs cash out 401k when they terminate employment. Among workers in their twenties, 60% distribute the entire balance, according to the Hewitt Associates study. Short of needing money for basic essentials like food and shelter, taking money from your retirement plan is not a good idea.Read the rest...

 
The stock market isn't the only thing that can shrink your retirement funds. From advisory fees to trading costs, the fees siphoned from your retirement account could add up to 3 percent, and even 5 percent of your account assets annually, says Daniel Solin, author of "The Smartest 401(k) Book You'll Ever Read." For investors, these seemingly modest fees add up to big bucks.Read the rest...

Halloween is a holiday filled with ghosts and ghouls and scary things, including cavity-causing candy if you're a dentist.
Dr. Jared Evans has seen the affects of sugar and candy for years and finally decided enough is enough.
"It's just one way we can promote health, also gives kids chance to come to a dentist's office and have fun," he said.
So the dentist is fighting back by actually buying back trick or treater's candy. One dollar for every pound of candy. He spent more than $350 on kids candy last year. Read the rest...

Term and whole life insurance policies are amongst the most popular policies issued to people today. Term policies basically cover a fixed span of time such as twenty or thirty years.  Whereas whole life policy covers not only the term of the policy which is your entire life but also any interest that has accumulated on top of it.Read the rest...