Money Lab 
9
comments

Can saving cyclically help you put away more?

Cylical saving may trump the way we normally save?

You probably have lofty goals and high hopes for your financial future.

Forget about them.

New research suggests that, when it comes to saving, a cyclical mindset trumps linear, goal-oriented thinking. People tend to save more money when they think about the present instead of the future, researchers found.
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 Money Lab 
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Is finding love online easier if you’re rich?

online datingIt’s fair to say America is obsessed with “gold diggers.” From Anna Nicole Smith to Kevin Federline to whoever Kanye was rapping about on his triple-platinum single, we have a long tradition of assuming that having enough money attracts members of the opposite sex like, well, miners to the Yukon.

But does having money really help attract a mate? We conducted a little online dating experiment to find out.
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 Personal Finance 
2
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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.
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 Personal Finance 
8
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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.
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 Money Lab 
21
comments

‘Multilevel marketing’ schemes like Herbalife, Amway and Juice Plus are bullshit and here’s why

Multilevel marketing schemes like Amway, Herbalife and Juice Plus are bullshit You probably know someone (or multiple people if you’re particularly unlucky) who has tried to sell you so-called “multilevel marketing” products such as Herbalife, Amway, Juice Plus, Avon, Mona Vie, Vemma or Arbonne.

If you’re even more unlucky, they’ve tried to recruit you to sell the product, too, waxing poetic about the amazing quality of the products, big discounts, easy money, blah blah blah.

There are lots of annoying things about this: high-pressure sales pitches, attempts to monetize their relationship with you, appeals at get-togethers and on social media. But the most annoying thing of all may be that, even after badgering everyone they know to buy a bunch of stuff they don’t really want, your friend or relative will probably never make a dime off it.
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 Culture Cents 
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5 money lessons from ‘Full House’

Money lessons from Full HouseThe catchy theme song, the red front door, the music that hinted you were about to learn an important life lesson … “Full House” fans remember it all. Here are five money lessons you may not realize the TGIF classic taught you that could have your wallet saying “You got it dude!”
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 Money Lab 
10
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Can you really heat a room for 15 cents a day worth of tea lights?

Flowerpot heater materialsThere’s a video making the rounds on social media about a “hack” for home heating that seems like it should be huge news to cheapskates the world over, especially given the hellacious polar vortex that’s covered much of the United States in snow and ice this winter.

In the video, which was actually published in fall of 2012, a British man named Dylan Winter, who runs a YouTube channel devoted largely to boating, demonstrates how he uses simple household materials — a bread tin, two flowerpots of varying sizes and some tea lights — to build a heater that cheaply keeps a small room warm. The video is really popular, with 5,349,262 views as of this writing.

I hail from the arctic tundra known as Minnesota, and, because we have had some record-breaking low temperatures this winter (when don’t we?), I thought it would be as good a time as any to give building my own flowerpot heater a whirl.
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 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.
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