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Cheat Sheet Q & A:
Today’s question: How do you get your children interested in learning about money and saving?:
Bottom Line: This question comes from a mother who wants to teach the value of money and create good habits with her children at a young age. The answer I’ll provide will be one designed for you to customize for each child because the trigger for each child may be different. Let’s get started with some best practices:
These principals can be tailored to your particular situation but they should work universally for people of all means and circumstances. If you spoil your children you’re likely going to impair your ability to teach them values of money and saving (sorry kids). At the same time you’re also creating work ethic and demonstrating that excellent work is rewarded. Your children should find a level of satisfaction in getting a maximum payday when they do exceptionally well and when they’ve saved enough for what they’ve been saving for.
Once they are settled into this pattern you should introduce a bank or investment account into the equation and have them save a percentage of the money they earn but that’s a topic unto itself for another day.
If you have a topic or question you’d like me to address email me: firstname.lastname@example.org
Bottom Line: The annual survey of auto insurance rates by state is out for 2013 and I was immediately surprised by what I saw… In a good way. My eyes immediately went to
I recall that when I first moved to
First the 2013 auto insurance info:
National average: $1510 per vehicle
Seeing that we were below the national average I was curious and pulled the 2010 information:
National average: $1443 per vehicle
So… You see that the national average has continued to show increased average insurance premiums while
Multiple phone numbers for the same phone? Disposable phone numbers? All possible:
Bottom Line: Have you ever wanted to have multiple phone numbers on the same smart phone? Perhaps one for personal use, one for business use, one you use when you sign up for stuff? It’s possible on Android and now iOS devices.
The Hushed app will allow you to add phone numbers for $1.99. If you want to get rid of a number – no problem you can do that at anytime. It’s a pretty neat service for those who could benefit from it. Just be aware than in addition to the $1.99 for the number there are variable per call fees associated with using them.
It’s like a wake up call… From your favorite teams:
Bottom Line: ESPN has teamed up with a tech firm, IFTT, on an app that will allow you to push alerts for the start of a game for your favorite teams. Options include having the app trigger email, texts, IM, or even a phone call. That phone call option could also help you get out of a bad conversation. Sorry I have to take this one – (the Braves are getting ready to play)!
Are you confident in retirement planning? We just hit a record low:
Bottom Line: Over the previous several years it’s understandable that many preparing for retirement would be worried about their retirement future. You’d think that over a year into the housing recovery and with a much higher stock market sentiment would be higher. It’s not. We’re at an all-time low for the retirement confidence among those saving for retirement. The most recent survey shows that only 13% of those preparing for retirement feel very confident in their future prospects. That’s the lowest on record in the 23 years of the survey. The two biggest stressors of those cited:
Latest hacker to go down gets maximum sentence:
Bottom Line: In what is likely to be a trend among those found guilty of Hacking, the most recent conviction was given the maximum sentence for his crime (which was hacking AT&T iPad data and stealing info on 120,000 users). The max sentence in
I can see two trends occurring here… Reform in the max penalties for hacking related crimes and max sentences upon conviction.