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Things You're Better Off Buying Second Hand

GenY SecondHand vs New By Will From Holland

We all know the car example, right? Buy a brand new (regular) car off the dealership parking lot, and it loses about 20% of its value right away. how can that possibly be a good investment?

But young people these days spend most of their cash on smaller items like clothing, electronics and entertainment. Why not try buying those items used, too? It's cheaper, and the selection can be just as good.

Are You Getting the Most for Your Vacation Dollar?

Tips for Getting a Great Vacation at a Great Price

May 2013

Are you already thinking about a summer vacation? Getting away from the daily grind can be refreshing and energizing. Too often, that feeling lasts only until the bills arrive. Then buyer’s remorse strikes.

You can avoid spending more than you can afford on this year’s vacation—or any vacation. All you have to do is ask yourself the right questions and invest some time in planning. That may sound like drudgery—particularly when a TV ad promises a dream resort vacation for "one low inclusive price" if you call immediately. Stop before you pick up that phone. Planning done right can be a fun treasure hunt. A little time spent exploring your options online and via phone can save you big. Here’s how to do it.

When Life is Like an Angry Monkey...

ie remarsreport april You're cruising along just fine when it strikes; that Barnum & Bailey semi in front of you hits a bump, the trailer door breaks and out bounces a crate of circus monkeys. And they're angry...

Now that you're on the edge of your seat, what's this have to do with anything? Nothing, other than lately my life has had difficulties I equate to the likeness of angry monkeys. Life sometimes hurls unexpected circumstances at you; sometimes you can duck and avoid the bad stuff, but sometimes you can't.

My ducking skills have been better... I've faced the loss of my job and several other family, health and "old house" repair problems. Some of which I probably should have seen coming, other I could not. Am I looking for sympathy by telling you this? On the contrary, I want to tell you how I am coping with life.

What Do You Need to Know About the New Vantage Score 3.0?

First created in 2006 by the big three credit bureaus - Experian, Equifax, and TransUnion - the Vantage Score has been redesigned with a new credit scoring model.

This new model has the potential to help people with no recent or little recent credit history. For these persons, the credit model will look at rent, utility, and cell phone payments, if they have been reported.

The Crowdfunding Phenomena

GenY Crowdfunding By Will from Holland

What is crowdfunding? And what does it have to do with you? Perhaps nothing, or perhaps just not yet, but we think it's important enough for you to know about. According to Oxford Dictionaries, crowdfunding is:

The practice of funding a project or venture by raising many small amounts of money from a large number of people, typically via the Internet.