Personal Finance Column


You are currently reading an archive section.
To see the latest articles, please visit the homepage.

 Personal Finance 
0
comments

How To Win McDonald’s Monopoly Game, 2014 Edition

Welcome to the 2014 edition of McDonald’s Monopoly game. The game has returned to its traditional schedule this year with a fall launch.

The fast-food giant last year caught everyone off guard by launching the game two months early — in July.

But fall just feels right for this game, doesn’t it?

The 2014 game began Sept. 30 and will end in restaurants Oct. 27 and online Nov. 10.

As we’ve done every year, we go over the rules to put together this guide to winning the game. It depends mostly on luck — and a ton of that, of course — but with our guide you can have a better-informed gaming experience.

New this year, you’ll have four chances to win $100,000 by finding the “Free Parking” game stamp on certain food items. And then there are shots at winning “experiences” with celeb sports stars like LeBron James combined with a trip to see a game or race. Target also makes an appearance this year, offering $5,000 shopping experiences with early access to Black Friday sales. Gas-for-a-year and $10,000 to help pay bills are also up for grabs.

Overall, though, the game hasn’t changed much. You can get a game board at www.PlayatMcD.com or participating restaurants, though the board isn’t required. Get game pieces by purchasing food from McDonald’s or mailing in self-addressed, stamped envelopes.

Game pieces offer a mix of instant win prizes for food, money and other items, and additional prizes — including the $1 million jackpot — for putting Monopoly properties together. The odds of winning at least something in the store are about 1 in 4.
(click here to continue reading…)

 Personal Finance 
0
comments

Can CDs be a good place for your emergency fund?


If your emergency fund is sitting in a savings account that pays virtually nothing you might consider investing those dollars in a certificate of deposit.

CDs are just as safe and you’ll earn a little more interest.

The only caveat is that you’ll have to make sure you don’t get hit with stiff early withdrawal penalties should you need access to those funds before the maturity date.

And let’s face it, you never know when an emergency will pop up and you’ll be relieved you have six months or so worth of expenses socked away.

(How much do you need to have available? Take a look at our plan for setting your emergency fund amount.)

So what CD should you choose?

To make a CD worthwhile, you’ll need one that beats the top nationally available savings rate, which has been stuck at 1.01% APY for more than a year.

To achieve that return you’ll probably need to commit your money to at least a 2-year CD.

Search Bankrate’s regularly updated database of the best CD rates to see how much you can earn.
(click here to continue reading…)

 Personal Finance 
0
comments

Do loyal customers really get treated better?

Whether it’s through rewards programs or special invites, companies often tout an appreciation for customer loyalty.

Yet, every few months, I find myself challenging my Internet service provider over a “promotional offer” that has expired, which means I’m paying more than new customers.

It’s become a pretty standard call, and with a little negotiating, I can usually get them to bring my bill back down. But recently, this made me wonder: Do loyal customers actually get treated better?

Customer loyalty undoubtedly has great value for companies. But what about consumers?

Do consumers actually benefit from staying with a company or institution for a long time? Is there any added benefit to your loyalty to a company, or will a business exert the same amount of effort on any customer?

I spoke to a few professionals and experts to find out.
(click here to continue reading…)

 Personal Finance 
9
comments

Feel like it’s time to intervene in a friend’s finances? Read this first

Intervening in a friends money mistakes doesn't always make senseSometimes, it’s hard not to be a money know-it-all. You witness a friend making terrible money decisions, and you just want to grab them by the collar and say, Dude. You’re doing it all wrong!

Talking about money isn’t easy. It’s also not easy to see a friend become overwhelmed by their finances because of bad money decisions.

So how do you know when it’s time to intervene with a friend’s money mistakes? Is a “money intervention” ever a good idea?

Syble Solomon is an expert in talking to people about money. That’s what she does for a living as the Founder and President of LifeWise Strategies and creator of Money Habitudes.

“Before offering anyone advice, ask yourself a few questions,” Solomon says.
(click here to continue reading…)

 Personal Finance 
38
comments

Why saving money is for idiots

Why saving money is for idiotsThese days it seems you can’t surf the Web without running into some self-proclaimed “finance guru” peddling easy, painless answers for complex money problems. These shysters are always going on about “saving money” and “planning for the future” while your bank account gets drained buying their expensive ebooks and PDFs. Well, you can throw their books in the book trash, because I have discovered one really simple and weird old trick that will end all of your wallet woes:

Stop saving, and start wasting money.
(click here to continue reading…)

 Personal Finance 
2
comments

Most try to avoid it, but for some, debt can be a real turn-on

Most people try to avoid it, for some, debt is a real turn-onDebt is a depressing subject for lots of us. And it’s no wonder: Total U.S consumer debt in the U.S. exceeds $3 trillion — that’s trillion, not million or billion.

But while it’s a major downer for most people, there is a subculture of people that find debt — well, exciting. For these folks, you might say debt is a stimulus package.
(click here to continue reading…)

 Personal Finance 
8
comments

Valentine’s Day Cheapskate Contest

It’s almost that time. With all that pink and red displayed in every store and jewelry commercials on heavy rotation on every channel, anyone with a significant other can feel their wallets cringing in fear at the approach of Valentine’s Day. So what is it this year? Chocolates? Flowers? A teddy bear with a heart?

This time of year many of us struggle to set some time and money aside to buy a meaningful gift for our significant other — and sometimes, we just don’t. Tell us about a cheapskate moment that you have had for Valentine’s Day that actually worked out for you — a cheap gift your significant other actually liked and thought was meaningful.

The person who submits the best cheapskate Valentine’s Day gift story will win a $150 gift card to Edible Arrangements.
(click here to continue reading…)

 Personal Finance 
5
comments

5 Chinese New Year traditions for attracting wealth

Many Chinese New Year traditions have a financial bent

Sun nin fai lok! 

On Friday, China rang in the New Year. It’s officially the Year of the Horse.

Across many cultures, a new year represents the possibility of building wealth, health and prosperity. While the Western world makes New Year’s resolutions, Eastern tradition is focused on what most Westerners would call, well, crazy superstition.
(click here to continue reading…)

Advertising Disclosure: Bargaineering may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.
About | Contact Me | Privacy Policy/Your California Privacy Rights | Terms of Use | Press
Copyright © 2014 by www.Bargaineering.com. All rights reserved.