Family Life & Home

IRS increases retirement contribution limits for 2019

By comments and news from net, Posted in Family Life & Home
November 2, 2018, 6:57 pm CDT

https://www.foxbusiness.com/features/irs-increases-contribution-limits-for-retirement-accounts

Housing Group Will Sue Ben Carson, HUD, For Ending Fair-Housing Rule

By comments and news VIDEO from net, Posted in Family Life & Home
May 8, 2018, 12:58 am CDT

https://www.newsmax.com/politics/ben-carson-hud-sued-for-ending/2018/05/07/id/858911/

HUD Unveils Plan To Increase Rent On Millions Receiving Federal Housing Assistance

By comments and news from net, Posted in Family Life & Home
April 27, 2018, 11:31 am CDT

https://www.npr.org/2018/04/25/605900171/hud-unveils-plan-to-increase-rent-on-millions-receiving-federal-housing-assistan?sc=tw

Trump Poised to Sign Order Opening New Paths to Health Insurance

By comments and news VIDEO from net, Posted in Family Life & Home
October 8, 2017, 1:03 am CDT

https://www.nytimes.com/2017/10/07/us/politics/trump-association-health-plans.html

Trump offers broad leeway to employers... to drop birth control (ins) coverage

By comments and news from net, Posted in Family Life & Home
October 6, 2017, 1:07 pm CDT

https://www.usatoday.com/story/news/2017/10/06/trump-offer-broad-leway-employers-refuse-provide-birth-control-coverage-without-religious-reason/738869001/

Millions of student loans could be headed for a shakeup in coming months

By comments and news VIDEOS from net, Posted in Family Life & Home
July 5, 2017, 4:29 pm CDT

https://www.usatoday.com/story/money/2017/07/05/proposals-change-student-loan-rules-could-upend-industry/99594768/

6.5 Million Taxpayers Paid $3 Billion in Obamacare Penalties in 2016

By comments and news from net, Posted in Family Life & Home
March 29, 2017, 9:53 pm CDT

http://freebeacon.com/issues/6-5-million-taxpayers-paid-3-billion-obamacare-penalties-2016/

Health Spending PER PERSON in USA reaches new all time high

By comments and news from vaious sources, Posted in Family Life & Home
July 18, 2016, 6:27 pm CDT

http://www.blacklistednews.com/National_Health_Spending_to_Exceed_%2410%2C000_Per_Person_for_First_Time/52791/0/38/38/Y/M.html

Do you know GOOGLE may now have access to your medical records?

By comments and news from net, Posted in Family Life & Home
May 4, 2016, 9:18 pm CDT

http://www.activistpost.com/2016/05/google-now-has-access-to-millions-of-patients-medical-records.html

Team Obama is setting us up for another housing-market collapse

By cmments and news from net, Posted in Family Life & Home
April 15, 2016, 7:12 pm CDT

http://nypost.com/2016/04/09/team-obama-is-setting-us-up-for-another-housing-market-collapse/

US public will spend more on taxes in '16 than housing, food & clothing

By comments and news from net, Posted in Family Life & Home
April 11, 2016, 2:00 pm CDT

https://www.intellihub.com/proof-americans-will-spend-more-on-taxes-this-year-than-housing-food-and-clothing-together/

Obama Signs Law Banning $11-Billion in Social Security Benefits

By commments and news from net, Posted in Family Life & Home
January 27, 2016, 2:33 pm CST

https://purchases.moneymappress.com/MMRSS499/PMMRS1DO/index.htm?pageNumber=2

19 Signs That American Families Are Being Economically Destroyed

By comments and news from net, Posted in Family Life & Home
April 8, 2015, 11:42 pm CDT

http://www.blacklistednews.com/19_Signs_That_American_Families_Are_Being_Economically_Destroyed/43310/0/38/38/Y/M.html

DATA RAPE: Obamacare is selling your private personal info- to others

By comments and news from net, Posted in Family Life & Home
January 26, 2015, 4:58 pm CST

http://www.breitbart.com/big-government/2015/01/26/exclusive-marsha-blackburn-lays-out-biggest-coming-scandal-of-2015-obamacare-data-mining/

FORECAST: Calif Drought+a New Law will cause FOOD SHORTAGES in '15

By comments and news from bfin, Posted in Family Life & Home
December 17, 2014, 10:20 pm CST

http://beforeitsnews.com/survival/2014/12/shortages-start-january-1st-cry-goes-out-in-the-msm-entire-country-to-be-affected-2551790.html

Rate of HOME OWNERSHIP in US falls to LOWEST level in 19 years

By comments and news from net, Posted in Family Life & Home
October 29, 2014, 12:19 pm CDT

http://www.intellihub.com/look-like-housing-recovery/

WARNING: -- new mode of carjacking scam across USA-- be aware!

By comments and news from bfin, Posted in Family Life & Home
October 22, 2014, 5:16 pm CDT

http://beforeitsnews.com/alternative/2014/10/a-warning-from-police-3049430.html

"UNFORGIVABLE & UNCONSCIENABLE"-- Public turning off Network TV

By comments and news from various sources, Posted in Family Life & Home
September 3, 2014, 6:26 am CDT

Dramatic backlash Wednesday morning - as major TV networks showed their contempt for the public and for families with children --by starting their 7am morning shows with scenes from the second FAKE "ISIS SNUFF" video. Most adults by now realize these absurd videos with a British actor in black and men in orange - are totally, UTTERLY FAKE..but its hard to explain WHY they are on TV - to kids, and even harder to explain they are fake. Many Americans had such a strong reaction this morning they are simply saying I'M TURNING OFF THE NETWORK TV NEWS AND WON'T BE BACK TO IT ANYTIME SOON.

Obviously the fact all mainstream 'news' media is now government controlled propaganda - is becoming clear to the public day by day ...and the NWO is shooting its own bizarre ambitions in the foot by "going psychotically too far" with its fake news stories and lies of propaganda.

http://www.infowars.com/sotloff-video-found-by-group-responsible-for-releasing-fake-osama-bin-laden-video/

SURPRISE: -- USA banks more & more are ...ENDING... money transfers

By comments and news from various sources, Posted in Family Life & Home
July 7, 2014, 4:54 am CDT

(NY Times and other sources) --- As government regulators help advance a POLICE TATE in the USA, many big banks are abandoning the business of transferring money from the United States to other countries, moves that are expected to reverse years of declines in the cost of immigrants sending money home to their families.

While Mexico may be most affected - nearly half of the $51.1 billion in remittances sent from the United States in 2012 ended up in that country - the banks' broad retreat over the last year is affecting other countries in Latin America and parts of Africa as well. The banks are being held accountable not only for the customers who directly use their money transfer services but also for their role in collecting remittances from money transmitting companies and wiring them abroad.

"This is transforming the business and may increase the costs of international money transfers," said Manuel Orozco, a senior fellow at the Inter-American Dialogue, a research group in Washington.

JPMorgan Chase and Bank of America have scrapped low-cost services that allowed Mexican immigrants to send money to their families across the border. The Spanish bank BBVA is reportedly exploring the sale of its unit that wires money to Mexico and across Latin America. And in perhaps the deepest retrenchment by a bank, Citigroup's Banamex USA unit has now closed many of its branches in Texas, California and Arizona that catered to Mexicans living in the United States and stopped most remittances to Mexico as it faces a federal investigation related to money laundering controls.

Regulators say the banking system was being exploited by terrorists and drug lords seeking to launder money. While they have not banned banks from engaging in higher-risk businesses like money transfers to certain countries, they acknowledge that banks must now invest significantly more to monitor the money moving through their systems or face substantial penalties.

But the government's efforts to root out illicit activity have effectively put the banks into a law enforcement role, industry experts say. And the result is undercutting another public policy goal - helping immigrants, who are primarily low income, move into mainstream banking. Even with the current relatively low remittance fees, the costs can still add up. Some Latin American immigrants say they regularly send three remittances a week to pay for last-minute school supplies or rent.

Manuel Santiago, a 48-year-old Mexican living in Queens, said he sometimes pays $4 to send as little as $20 at a time to his son and daughter in Mexico. "I am supporting my family and things come up irregularly," he said.

The pendulum has swung so far, participants in the industry say, that regulators are pushing banks out of some activities considered beneficial to the broader economy.

"The money transfer business has become the whipping boy of regulators who want to show how tough they are," said Paul S. Dwyer Jr., chief executive of Viamericas, a money transfer company based in Maryland with a large focus on Mexico.

Shut out by many large banks, more of Mr. Dwyer's customers are turning to large retailers in Mexico to pick up money sent from the United States, and some of those retailers charge money transfer companies as much as double the banks' fees, he said. Mr. Dwyer's company is recouping the additional costs by increasing the difference - or the spread - between what customers pay in dollars and what their family members receive in Mexican pesos.

A World Bank report on remittances found that the costs had been steadily falling over the last five years. But industry experts are expecting that trend to reverse.

A spokesman for Western Union, one of the largest remittance players, said the company was among those capturing business from the banks.

While immigrants say they have not noticed broad price increases from companies like Western Union, industry experts say higher costs are inevitable with fewer banks acting as middlemen for money transmitters.

"If you are the only game in town, you may be able to charge a premium," said Daniel Ayala, head of global remittance services at Wells Fargo, adding that the bank has not passed increased regulatory costs to customers, leading to a decline in profits.

Many banks had considered remittances an attractive business because they generated steady fees and required little capital. In some cases, remittances could satisfy Community Reinvestment Act requirements to serve a certain percentage of low-income customers.

But the regulatory pressures and increased costs of compliance have started to outweigh the potential profits.

JPMorgan stopped its Rapid Cash program in November, partly because the bank grew concerned about some of the risks, a spokeswoman said. As part of its program, JPMorgan had teamed up with the large Mexican bank Banorte. Many people picking up remittances in Mexico sent from Chase branches in the United States were not customers of Banorte, making it more difficult to monitor them.

Last year, Bank of America canceled its SafeSend product, regarded as one of the least expensive ways for immigrants to send money to Mexico. A spokeswoman said the bank canceled the product because of "limited demand" and would not elaborate. A BBVA spokesman declined to comment on the possible sale of its Bancomer Transfer Services unit.

Some banks still make certain wire transfers to Mexico, but the costs of such services can be five times as high as a typical remittance, making it prohibitive for many immigrants.

Even if banks invested in new software to screen for worrisome transactions, they would still have to manually investigate many suspicious activities and report them to regulators. Banks fear that a single mistake could lead to costly penalties like the $1.9 billion settlement that the British bank HSBC agreed to pay over money laundering issues in 2012. HSBC has stopped paying out remittances at its Mexican branches.

And the heightened diligence can slow, or even stop, vital payments.

Domingo Garcia, a 36-year-old limousine driver in Los Angeles, said he grew frustrated with Wells Fargo when one of his family's remittances totaling roughly $1,500 failed to clear. In the same week, he said, family members had tried to send another large remittance. His mother needed the money to pay for her chemotherapy treatment in Mexico. "The hospital was saying it would not give her the medicine until they were paid," Mr. Garcia said.

Wells Fargo declined to comment on a specific customer's transaction, but said there could be a number of causes for delays, including efforts to screen for fraud and the bank's limits on the amount of transfers allowed each month. While the bank remains committed to Mexico, it has slowed the expansion of its money transfer network to other high-risk countries.

Citigroup's Banamex USA, which has been ensnared in a criminal investigation related to money laundering, is an example of how compliance problems at an obscure affiliate can have serious consequences for a global bank like Citigroup. The New York parent has removed many of the veteran managers at Banamex USA and installed a "cleanup team" of executives to improve its compliance systems, according to a person briefed on the matter.

Citigroup inherited the small California bank when it acquired Banamex, Mexico's second-largest bank after BBVA Bancomer, in 2001. Because Banamex USA was overseen by executives at Banamex's headquarters in Mexico, it did not come under the same compliance systems as Citigroup's units in the United States, this person said. It also wired cash on behalf of money transfer companies in the United States to Banamex accounts in Mexico, people in the remittance industry say.

In reality, it may be nearly impossible to fully monitor money flowing through some parts of the world. Regulators worry, in particular, about remittances to Somalia, a haven for terrorist groups with no formal banking system. Banks in the United States have had to wire money to banks in Dubai. Much of the money is then moved into Somalia through a network of traders.

One of the few banks willing to take that risk is Merchants Bank of California. But in the face of scrutiny from regulators, the bank has told some money transfer companies in cities with large Somali enclaves like Minneapolis that it may no longer be able to provide them with banking services.

Merchants Bank's exit could be a big blow to Somalia, where remittances are a major source of income for a country that has suffered from recent famine, according to the antipoverty group Oxfam.

The Government Entitlement Program That's About to Dry Up

By comments and news from cnbc, Posted in Family Life & Home
May 21, 2014, 5:20 pm CDT

http://www.cnbc.com/id/101693075

Obama extends health care enrollment deadline for some

By news from fox, Posted in Family Life & Home
March 26, 2014, 12:57 pm CDT

http://www.foxnews.com/politics/2014/03/26/obama-administration-announces-health-care-extension/?intcmp=latestnews

OBAMACARE expected to RAISE $ RATES ...for 11 million Americans

By news from fox, Posted in Family Life & Home
February 25, 2014, 12:28 pm CST

http://www.foxnews.com/politics/2014/02/25/obamacare-may-increase-premiums-for-11-million-workers-report-says/?intcmp=latestnews

Got a 401k? Jumped jobs in 2013 ?---- you may --- lose 401k VALUE

By news from usatoday, Posted in Family Life & Home
February 8, 2014, 4:30 pm CST

http://www.usatoday.com/story/money/markets/2014/02/08/lump-sum-yearend-401k-match-hurts-savers/5313943/

CREDIT CARDS: Paying with plastic could cost you more

By NEWS AND COMMENT from CNBC, Posted in Family Life & Home
December 20, 2013, 7:27 pm CST

http://www.cnbc.com/id/101287938

TARGET STORES hit by hacking -- data lifted on 40mil patrons credit cards

By NEWS AND COMMENT from WIRE SERVICES, Posted in Family Life & Home
December 19, 2013, 10:48 am CST

http://www.foxnews.com/us/2013/12/19/target-says-40m-accounts-may-be-affected-by-data-breach/

http://www.usatoday.com/story/money/personalfinance/2013/12/19/target-credit-debit-card-data-breach/4125231/

WARNING: Target says that about 40 million credit and debit card accounts may have been affected by a data breach that occurred just as the holiday shopping season shifted into high gear. The chain said that accounts of customers who made purchases by swiping their cards at terminals in its U.S. stores between Nov. 27 and Dec. 15 may have been exposed. The stolen data includes customer names, credit and debit card numbers, card expiration dates and the three-digit security codes located on the backs of cards. The data breach did not affect online purchases.

http://www.nbcnews.com/business/use-your-credit-card-target-heres-what-do-if-your-2D11775079

DANGER: Obamacare website may ... falsely debit your bank account

By news from net, Posted in Family Life & Home
December 15, 2013, 10:43 am CST

http://www.infowars.com/invasive-obamacare-exchange-mistakenly-debting-bank-accounts/

MORE AND WORSE: -- Poll Finds... Nearly 4 out of 5 say OBAMACARE will WORSEN their health care coverage.
http://www.newsmax.com/Newsfront/obamacare-worsens-coverage-ap/2013/12/15/id/541905

USA--- is Obamacare nightmare actually "repaired"??---Experts say NO

By NEWS and COMMENT from Wire Services, Posted in Family Life & Home
December 1, 2013, 12:22 pm CST

http://www.infowars.com/fixed-healthcare-gov-still-causing-headaches-for-users/

http://video.foxnews.com/v/2882877406001/is-healthcaregov-the-least-of-obamacares-worries/

http://presspass.nbcnews.com/_news/2013/12/01/21703475-republican-voices-concern-about-data-security-on-obamacare-website?lite

http://www.youtube.com/watch?v=_NFNX5kRU-E

http://www.newsmax.com/Newsfront/obamacare-website-zients-repaired/2013/12/01/id/539310

IMPORTANT FURTHER INFO: (do see this) --- http://www.daretoreadit.com/?id=26434

# Now GOING VIRAL-- DIRE WARNING re: Radiation DANGERS for USA

By NEWS INVESTIGATION and COMMENT from NET, Posted in Family Life & Home
November 5, 2013, 11:43 pm CST

David Suzuki issues ominous warning for AMERICAN WEST COAST regarding DANGER of lethal contamination from radiation drifting across the Pacific Ocean....due to the FUKUSHIMA PLANT ongoing nuke leak. Says ONE MORE LARGE QUAKE at JAPAN could cause MILLIONS TO DIE along USA's pacific coast.

http://ca.news.yahoo.com/blogs/daily-buzz/david-suzuki-issues-ominous-warning-damaged-fukushima-plant-195522191.html

Obamacare Will Increase Avg Family's Health Spending By $7,450

By NEWS INVESTIGATION and COMMENT from FORBES, Posted in Family Life & Home
September 23, 2013, 3:10 pm CDT

http://www.forbes.com/sites/theapothecary/2013/09/23/its-official-obamacare-will-increase-health-spending-by-7450-for-a-typical-family-of-four/

http://www.forbes.com/sites/pascalemmanuelgobry/2013/09/19/the-3-reasons-why-republicans-should-keep-pushing-to-defund-obamacare/

2nd day DUST UP: O'Reilly takes on CRIME rise & FAMILY collapse

By COMMENTARY and analysis from FOX, Posted in Family Life & Home
July 24, 2013, 12:44 pm CDT

http://video.foxnews.com/v/2562436647001/huge-reaction-to-my-memo-last-night-/

WOW--Postal Service may STOP delivering MAIL TO YOUR DOORSTEP

By NEWS INVESTIGATION and comment from Newsmax, Posted in Family Life & Home
July 23, 2013, 5:44 pm CDT

http://www.newsmax.com/Newsfront/issa-postal-service-ending/2013/07/23/id/516516

Yet another bank fee could be a pain in the app

By NEWS INVESTIGATION and COMMENT from USA TODAY, Posted in Family Life & Home
July 7, 2013, 6:50 pm CDT

http://www.usatoday.com/story/money/personalfinance/2013/07/07/bank-fees-mobile-services/2480541/

REPORTED: 'US Direct Express' credit cards failing at ATMs & Charge Outs

By NEWS from NET, Posted in Family Life & Home
July 1, 2013, 5:40 pm CDT

REPORTED: --- US Direct Express credit cards failing at ATMs & Charges.... IN THESE STATES: California Delaware Indiana Missouri New Hampshire New York. We will report any further details as available

TRENDING: Pay-what-you-want GoBank puts mobile users first

By NEWS INVESTIGATION and comment from USA TODAY, Posted in Family Life & Home
June 29, 2013, 3:31 am CDT

http://www.usatoday.com/story/money/personalfinance/2013/06/27/gobank-free-mobile-banking/2460605/

STUDY: Medical Bills Are the Biggest Cause of US Bankruptcies

By NEWS INVESTIGATION and COMMENT from CNBC, Posted in Family Life & Home
June 25, 2013, 11:32 am CDT

http://www.cnbc.com/id/100840148

FAMILIES: Are the LIFEGUARDS at your pool or beach.... QUALIFIED?

By COMMENTARY and analysis from Wire Services, Posted in Family Life & Home
June 23, 2013, 7:29 pm CDT

http://www.slate.com/articles/life/family/2013/06/how_do_i_know_if_my_pool_lifeguard_is_doing_a_good_job.html

Police position DUI checkpoints in unsuspecting areas (Memorial Wknd)

By NEWS AND VIDEO from KGO TV, Posted in Family Life & Home
May 26, 2013, 11:42 pm CDT

http://abclocal.go.com/kgo/story?section=news/local&id=9115778

How the Fed Could Ruin Your Summer Holiday

By NEWS and PHOTOS from CBS, Posted in Family Life & Home
May 26, 2013, 5:40 pm CDT

http://www.cnbc.com/id/100767253

Bad news at the grill as beef prices hit all-time high

By news from NBC, Posted in Family Life & Home
May 7, 2013, 5:11 pm CDT

http://www.nbcnews.com/business/bad-news-grill-beef-prices-hit-all-time-high-6C9814441#/business/bad-news-grill-beef-prices-hit-all-time-high-6C9814441

Do 0% credit card deals really mean free money?

By News and PHOTOS from USA Today, Posted in Family Life & Home
May 4, 2013, 11:42 am CDT

http://www.usatoday.com/story/money/columnist/tompor/2013/05/04/credit-cards-zero-percent-deals/2129057/

* * * * New Rule Signals Kiss of Death for Pensions

By NEWS ANALYSIS and COMMENTARY from CNBC, Posted in Family Life & Home
May 3, 2013, 12:53 pm CDT

http://www.cnbc.com/id/100694955

USA --- Cost of feeding a family of four: $146 to $289 a week

By News Feature from USA Today, Posted in Family Life & Home
May 2, 2013, 2:30 pm CDT

http://www.usatoday.com/story/news/nation/2013/05/01/grocery-costs-for-family/2104165/

Housing's Big Challenge: $1 Trillion in Student Debt

By News Feature from CNBC, Posted in Family Life & Home
April 8, 2013, 2:25 pm CDT

http://www.cnbc.com/id/100624148

Pain at the pump: Have gas prices peaked for 2013?

By News and PHOTOS from USA Today, Posted in Family Life & Home
March 29, 2013, 3:14 pm CDT

http://www.usatoday.com/story/money/business/2013/03/28/gasoline-prices-wont-be-as-high-as-initially-forecast/2024861/

MORE Bank FEAR: Banking Chief Calls For 15% Looting of Italians' Savings

By News Feature from Infowars, Posted in Family Life & Home
March 18, 2013, 12:20 pm CDT

http://www.infowars.com/banking-chief-calls-for-15-looting-of-italians-savings/

The Credit Report PART .....you should not ignore

By News and PHOTOS from Yahoo, Posted in Family Life & Home
March 12, 2013, 10:43 pm CDT

http://finance.yahoo.com/news/worried-credit-report-inquiries-110049444.html

Is it worth paying for 401(k) advice?

By News Feature from USA Today, Posted in Family Life & Home
March 10, 2013, 3:54 am CDT

http://www.usatoday.com/story/money/personalfinance/2013/03/09/401k-investment-advisor/1968125/

FRESH TRENDING: Average balance in Fidelity 401(k) plans hits new high

By News and PHOTOS from NY Daily News, Posted in Family Life & Home
March 6, 2013, 1:20 pm CST

http://www.nydailynews.com/new-york/back-fashion-average-balance-fidelity-401-plans-hits-record-high-article-1.1264499

(FEATURE): -- The 4% RULE on retirement savings, no longer applies

By NEWS INVESTIGATION * NEWS from WSJ.com, Posted in Family Life & Home
March 4, 2013, 11:58 am CST

http://online.wsj.com/article/SB10001424127887324162304578304491492559684.html?mod=googlenews_wsj

IN HOME INNOVATIONS: Wallpaper Goes High-Tech

By News Feature and PICS from Newser, Posted in Family Life & Home
March 2, 2013, 6:19 pm CST

http://www.newser.com/story/163447/wallpaper-goes-high-tech.html

UH OH: --Want a New Car? You Probably Can't Afford One

By News & PHOTOS from CNBC, Posted in Family Life & Home
February 27, 2013, 11:13 am CST

http://www.cnbc.com/id/100500858

ECONOMY: 25% of US Has More Card Debt Than Savings

By NEWS FEATURE from CNBC, Posted in Family Life & Home
February 25, 2013, 9:45 am CST

http://www.cnbc.com/id/100490282

ECONOMY: US gas prices jump 20 cents over past 2 weeks

By NEWS FEATURE from Internet, Posted in Family Life & Home
February 24, 2013, 10:44 pm CST

http://www.news10.net/news/article/232148/2/US-gas-prices-jump-20-cents-over-past-2-weeks

VERY USEFUL: Ten Ways to Find Money

By News & PHOTOS from fox, Posted in Family Life & Home
February 15, 2013, 4:28 pm CST

Employees who'd grown accustomed to bigger paychecks are now feeling the shock of the expiration of the Social Security payroll tax break that ended at the start of the new year.
The so-called payroll tax holiday reduced the employee's portion of the Social Security contribution rate from 6.2% to 4.2% of earnings in 2011 and 2012. But the cut, intended to put more money in people's pockets and stimulate spending, was temporary and has now reverted to its former level, resulting in smaller paychecks for workers.
Gail Cunningham, a spokeswoman for the National Foundation for Credit Counseling, or NFCC, warned that employees need to act fast to adjust their budgets, especially if they're living paycheck-to-paycheck.
"If a person was fortunate enough to have received a pay raise, it's likely that this Social Security tax increase will wipe out most of it," Cunningham said.
The NFCC is the largest and longest-serving credit counseling organization in the U.S.
To help you find extra money to offset the loss of the tax break, the organization offered the following suggestions.
1. Adjust your withholding. Use the IRS worksheet to calculate the proper number of allowances so you'll keep more money every month, rather than receive a big refund once a year.
2. Pay with cash. People who use cash to pay for purchases typically save 20% compared with their credit spending levels and don't feel deprived.
3. Refinance your mortgage. Historically low mortgage rates might enable you to lower your monthly payment.
4. Save $10 in 10 categories. Carving $10 out of 10 categories in your budget can be a relatively painless way to find extra money.
5. Do it yourself. Stop paying other people to wash your car, clean your house, mow your lawn or do other you can do yourself.
6. Quit bad habits. Make good on your resolutions to stop smoking, drinking and playing the lottery.
7. Clean out your storeroom. It's a double-play to sell stuff you no longer need and stop paying for extra storage space.
8. Shop for insurance. Examine all your policies, compare rates and ask about ways to lower your premiums or obtain discounts for loyalty, good driving or bundling multiple polices.
9. Examine your bank statements. Cancel automatic payments for banking goods and services you don't need. Don't use out-of-network ATMs. Negotiate with your financial institution to lower your fees or change to a different bank.
10. Earn extra income. Getting paid to do something fun won't feel like work, and honing a skill can pay dividends beyond financial.

Read more: http://www.foxbusiness.com/personal-finance/2013/01/22/ten-ways-to-find-money/#ixzz2L0eEC4mT

Woman Enters Wrong Bank Account Number, Loses $41K... forever

By News & PHOTOS from Newser, Posted in Family Life & Home
February 10, 2013, 11:30 pm CST

http://www.newser.com/story/162569/woman-enters-wrong-account-number-loses-41k.html

TRENDING: Americans Are Tapping Into Home Equity Again

By NEWS FEATURE from CNBC, Posted in Family Life & Home
February 8, 2013, 3:20 pm CST

http://www.cnbc.com/id/100446233

Private School to Grads: We'll Help Pay Your Loans

By NEWS FEATURE from Newser, Posted in Family Life & Home
February 8, 2013, 9:13 am CST

http://www.newser.com/story/162484/christian-school-to-grads-well-help-pay-your-loans.html

Average credit ratings revealed-- for various USA METRO AREAS

By News & PHOTOS from USA Today, Posted in Family Life & Home
February 7, 2013, 2:44 pm CST

http://www.usatoday.com/story/money/personalfinance/2013/02/06/metro-credit-scores/1896245/

STUDY FINDS: young children more interested in animals than toys

By NEWS FEATURE from Internet, Posted in Family Life & Home
February 6, 2013, 10:22 pm CST

http://www.companionanimalpsychology.com/2013/02/are-young-children-more-interested-in.html

IRONIC: Dad must pay child support for 3 kids that aren't his

By NEWS FEATURE from TorontoSun, Posted in Family Life & Home
February 6, 2013, 10:20 pm CST

http://www.torontosun.com/2013/02/06/dad-must-pay-child-support-for-3-kids-that-arent-his-court-rules

POSTAL SERVICE plans to cut out SATURDAY letter delivery

By NEWS FEATURE from NBC News, Posted in Family Life & Home
February 6, 2013, 2:38 pm CST

http://usnews.nbcnews.com/_news/2013/02/06/16869665-wait-a-minute-mr-postman-new-mail-delivery-schedule-raises-eyebrows?lite

But it will CONTINUE with Saturday package delivery

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