You have hit the right spot on Groupon.com for awesome activities at the fraction of the cost. With Groupon, you can have easy access to unbeatable deals delivered right to your email inbox. To date, Groupon has saved users $441,235,849 with features such as Hot Air Ballooning or vacationing in an Executive Suite worth hundreds of dollars in value, but reduced to a fraction of the price!

What Is Groupon?

Groupon.com is an e-coupon site that offers just one day per day in a city near you. You can check out the company’s website for a list of the extensive cities their service covers. The great deals are offered to the site’s members, but the deals do not become active until enough people have agreed to buy the product or service.

Why Should I Join Groupon.com?

So you may be asking yourself, “Why should I join Groupon?” The answer is simple: why not? The coupons that the site offers are perfect for a gift or to just use on your own, Groupon will help you save money so that you or your friends can have tons of fun near home without having to spend tons of cash. Groupon.com offers an easy way to get huge discounts while discovering cool activities near the city you choose. And on top of saving cash, it will also save you time by having the ability to receive all the great discounts by email. Going on vacation? Check out other cities near where you will be vacationing.

How Groupon Works…

So how does it work? Each day Groupon.com will feature a new experience in the city of your choice and provide you with the best deal for that day. It also works with the power of people, using collective buying, which essentially means that if you get enough people that want the same deal, the bargain begins! So, let’s say you see a daily deal that you would like to purchase. Go ahead and click on the green “buy” button on the site, and you will be asked to enter in your buying information. Although you are entering in the buying information at that time, your card will not be charged until enough people want to participate in the same deal as you, hence the group concept. Once you have enough participants, your card will be charged and you can then print off your coupon to use just like cash. So if you really want the deal, be sure to spread the news! At the same time, do not worry about your card being charged in the event there are not enough participants. The deal will not begin until it has been tipped, and until it is tipped you will not be charged. It really is as simple as that! Some of the many deals that the coupon site has offered are half price massages, half off at the Gap clothing store, Shutterfly photo books 66% off, discounts at amusement parks, half off of dinner at certain restaurants, and the list goes on and on.

Join the users who have saved over $400 million to date and still had the ability to try out awesome experiences near their city of choice. Do not hesitate and get the unbeatable bargains delivered right to your email where you can help not only yourself but others participating as well. Groupon.com was designed with you in mind. No worries. No hassle. Just fun!

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I bet that I can predict your tolerance for risk with your investments by analyzing one simple trait. What is your risk tolerance? Do you like buying individual stocks? Do you like gambling on the hottest stocks or like to chase the fastest growing mutual funds for the past year? Do you dollar cost average your investments? Or, do you invest too much in government bonds for your age? I bet I can tell by one little factor of your life. How you drive your car is a direct reflection on your life and personality, and it is thereby a direct reflection to your tolerance for risk with respect to your investments.

You Drive With Your Hands At Ten And Two

Do you routinely drive in your most relaxed state with your hands firmly at the ten and two o’clock positions on the steering wheel? Your mom would be so proud. You still drive like you were taught. You drive like you did when you had a DMV worker riding right next to you on your driver’s test. But, driving with your hands at the ten and two o’clock positions can also mean that you are very conservative. Conservative drivers are more inclined to invest conservatively too, maybe too conservatively for your age. These drivers and investors may take the path of least resistance. They may still be invested in the same asset allocation they had decades ago because they have not bothered to change it. Or, maybe these investors have too much of their portfolio in bonds stifling their portfolio’s growth.

You Drive With One Hand At Noon And The Other On A Girl’s Leg

This of course is the loose and fast hand positions for driving, and this would suggest that you are also potentially reckless with your investments. A person who drives like this is most likely to dabble in options and Forex trading. This kind of investor most likely chases the hottest stock and pours money into the most popular mutual funds. Maybe this type of driver has too much of his or her portfolio in stocks and very little in bonds.

Your Drive With One Had At Six And The Other Hanging Out The Window

If you drive with your seat tilted back, left arm out the window, and right hand low at the six o’clock position, you are definitely a laid back driver, and your investments are probably laid back as well. My boy, J Money, over at BudgetsAreSexy drives like this and calls it his “baller” driving style. With this driving and investing style, the up and down swings of the market probably does not bother you. You know that you are investing for the long term. This type of investor is most likely to dollar cost average his or her investments or systematically purchase shares of stock or a mutual fund. Conversely, this type of driver may not pay enough attention to his portfolio either. There is a fine line between calm, collected, level-headed and oblivious.

Okay, I Drive Poorly…So, What?

Knowing that you are more likely to behave recklessly will help you identify and potentially curb your wild ways both in driving and with investing. Inversely, if you are too conservative for your investing goals, you can make the changes now before it is too late. The hard part is realizing the way you behave. We all spend so much time looking at other people and their behavior, but we seldom look at our own actions in the mirror or even know what to look for. Your driving habits are a great clue into the inner workings of your psyche and can tell you a lot about your investing style as well.

Okay, I have made some generalizations, but I am willing the bet that they are true 95% of the time. If you play it fast and loose in the stock market, then you probably do so with your driving as well. Knowing your proclivities in your driving tells volumes about your life and the choices you make. It also tells the tale of your investing style as well. Knowing how you behave is half of the battle. It is what you do with that knowledge that will help define your future investing success. Will you continue driving and investing recklessly as you get older? I hope not. Like GI Joe used to always say, “Knowing is half the battle.” And, now you know.

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Lately I have found myself in need of a good accountant, and I am having trouble finding one. There are four great excellent ways to narrow down your search and find a good accountant to help you with your tax and other financial situations.

Ask For Referrals For An Accountant

The best way to find a good accountant is to ask you friends, family members, coworkers, and other associates for their recommendations and referrals. I asked everyone that I could possibly think of for a recommendation such as my mortgage broker, realtor, and even the banker in my local branch. If you are in the market for a good accountant, you should not keep it a secret. The more people who know that you are looking for an accountant will help you find referrals for the best ones. You will also hear about the ones to stay away from as well which can be just as beneficial as the recommendations.

Conduct Interviews With Your New Accountant

No matter who recommends a good accountant to you, you should conduct interviews with them. You should narrow your list down to at least three possible candidates, and then interview them all separately. Most accountants will let you come in for a free initial consultation. I recently had one with an accountant that did not treat my concerns seriously and did not give me that “warm and fuzzy” feeling right away. So, needless to say, I did not give that accountant my business. An interview will help you find a good accountant that will work well with you and your needs.

Find An Accountant Through Accounting Associations

You can find a reputable certified public accountant through several professional associations. You could look for recommendations from associations such as The National Society of Accountants, the National Association of Tax Professionals, and also your state’s accounting association. For example, North Carolina has the North Carolina Association of Certified Public Accountants to help people find the right accountant for their specific needs.

Ask Dave Ramsey For An Accountant Recommendation

Dave Ramsey has a program on his website called Endorsed Local Providers (ELP). You can find recommendations for accountants, investment professionals, real estate agents, and insurance agents located near you. If you are completely suck without a recommendation from a friend, you can receive a decent recommendation from Dave Ramsey and his website. Be advised though that Dave Ramsey does receive a fee from the accountant and other professionals for the recommendation.

Like choosing a certified financial planner and your tattoo artist, you should not randomly pick your accountant out of the phone book without conducting some due diligence. You should ask your friends for referrals and then conduct thorough interviews to ensure that they are the perfect fit and a good accountant for your situation.

Have you had luck finding a good accountant? Did you get a referral or find them some other way? Let us know in the comment section below…

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One of the main reasons people cannot save enough money for their retirement dreams and financial goals is because they apply or succumb to too many credit offers. To make matters even worse, credit card marketers make it incredibly easy apply for new credit. The temptation is waiting for you after you get home from work when you open your mail. There, you see those five words that seemingly reel you in like a fish on a big lure, “Congratulations! You Are Pre-Approved!” You almost feel like you have won the lottery. It should be no surprise that people get caught up in owing more than they can spend!

The Average American Carries Four Credit Cards

As a result, people end up with too much credit. Logic tells you that you do not need as much credit as card issuing companies will give. The same is true for your home mortgage. You do not have to borrow the entire amount you qualify for. The average American carries four credit cards in his or her wallet which can include gas cards, department store cards, and the standards such as Visa, MasterCard, Discover Card, or American Express. Four cards could be sufficient or even more than enough, but a large amount of people carry far more cards than just that average of four.

Too Much Credit Means Too Much Risk

Unfortunately, carrying a lot of credit sets you up for buying impulsively. People spend 12-18% more when using credit cards than when using cash. McDonald’s found that the average purchase rose from $4.50 to $7.00 when customers were allowed to use plastic instead of cash in its restaurants. Research shows that people spend more using credit cards even when they pay off the balance every month. In addition, if you apply for a loan, you will be seen as more of a potential risk by a lender as the amount of open lines of credit you possess is an indicator of how deep you could possibly fall into debt. Therefore, you may not be able to borrow as much or receive as good of an interest rate as someone who carries less credit.

What To Do – Resist Credit Card Marketing

Credit card marketers like to target people and promote credit in such venues as sporting events, concerts, and universities. To someone who is not experienced with credit and how their credit report is calculated, credit card offers may seem to be innocent enough. However, that harmless credit offer that includes a freebie, such as a coffee mug in the deal or free round trip airfare, may be far more expensive than you initially think on down the road. Save yourself from any future financial hardship and purchase a mug instead.

Having too much available credit can be dangerous. If you do not adequately budget your money or watch what you pay, it can be very easy to fall into the clutches of credit card companies. Avoid falling into certain credit traps and help you stay out of debt and continue building wealth.

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If you are currently in the market to buy homeowner’s insurance, then you need to understand the basics before you sit down and talk to an insurance agent about buying a policy. Knowing what your policy will not cover as well as thinking about some of the fundamental questions you need to ask an insurer will ensure that you purchase a policy that will be valuable to you now as well as into the future.

You Need To Know What Is Excluded

Usually, a homeowner’s policy will not cover damage from any acts of nature, such as a mudslide or earthquake. Flood damage is generally not included as well unless you have a specific policy for it. Therefore, make sure you ask your agent to explain the exclusions to you, or the items that are not covered by your policy. Since most homeowner’s policies do not cover flood or earthquake damage, in all likelihood, you will need to purchase separate policies for these types of catastrophes.

Pertinent Questions You Should Ask Your Insurer

Before making an appointment with a sales representative, make certain that the insurance company is licensed by your state. Once you determine the credibility of the company, you can obtain answers to your specific questions. For instance, ask what is and what is not covered by the policy. What are the limits? Also, if you must submit a claim, how will the payment on your premium be affected? Can you obtain any reduced rates or discounts? Don’t forget to ask about discounts if you have multiple policies with the same company. Another great question to consider is, “What is the amount of coverage you will need on your personal property?”

Factors That Determine The Cost Of Your Insurance Premium

Many factors can determine the amount you will pay for your insurance premium. Items figured into this calculation often include:

• Your home’s structure. Insurance costs are often lower on brick homes than they are on frame houses made of wood.
• The proximity of you house to the nearest fire department or fire hydrant.
• Whether or not you include auto coverage with your homeowner’s plan.
• The replacement cost. Remember, the replacement cost is not the same as the amount that you purchased your home for. It does not include the value of the land.
• Your credit history.
• Whether or not you own a pool.
• Whether or not you own potentially violent dogs.
• The age of your house.
• The number of smoke detectors you have in the house.
• Whether or not your home is equipped with a burglar alarm.

All the above information is considered along with the amount of deductible you select to calculate the premium of your insurance policy. To obtain full benefits from the policy, make sure you keep an inventory of the items in your home as well as make a concerted effort to keep it well-maintained. As homeowner’s insurance does not cover the cost of repair, keeping your home in good condition can also save on additional costs.

It is important to be insured as homeowner’s coverage gives you the necessary means in which to pay for any damages or injuries that occur on your property. Knowing the fundamentals of homeowner’s insurance coverage and making timely payments are essential in protecting the investment of your home.

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I recently received a question from a reader. If you have a question, be sure to contact me.

A reader recently asked, “Do you think refinancing a home loan and using some equity to convert a 401k to a Roth IRA is a good idea?”

More Debt Always Sounds Like A Bad Idea

There are a lot of different variables involved, and you only told me a little bit of the back story. But….No, I don’t think it is a good idea. How long are you going to stay in your home? You are going to cash out some or all of your equity and pay taxes with it. You might not be able to cover your new mortgage if you wanted to or needed to sell your home very soon. It would depend on how much equity you have left in the house. Dave Ramsey always says that 100% of the homes in America that were foreclosed on had a mortgage on them. So, if your house was completely paid for, I would hate for you to go back into debt just to pay taxes to the government on a Roth conversion.

The Best Way To Pay Your Taxes

The best way to pay for the taxes when doing a Roth IRA conversion is using money from non-retirement investment accounts (stocks, mutual funds, or bonds) or in savings, money markets, or CD type of accounts. If you used proceeds from your retirement account and are not 59 ½ years old, you will have to pay taxes right away and a 10% early withdraw penalty.

What If You Cannot Pay Your Taxes

If you don’t have the money to pay the taxes just sitting idle right now, you might want to consider just diverting future money from your 401k to a Roth instead. Not the best solution, but it will get you investing in a Roth and not in your 401k if you aren’t investing in a Roth already. I don’t know your specifics but if you are choosing just one or the other, usually a Roth IRA instead of a 401k is better for individuals if they think taxes are going up in the future.

Roth IRA conversions are a great option for people this year, but only if you can afford the taxes. And, remember, the best place to find that money for your tax bill is accounts that are not earmarked for your retirement. And, of course, be careful when using your home equity for anything especially paying your taxes.

I’m always looking for new questions and will always spend you a reply back even if I don’t use you question here on the blog. If you have a question that you would like me to try and answer, please shoot me an e-mail at Hank [at] HankColeman.net.

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While most people are familiar with the traditional approach to budgeting their money every month, you might want to break down your budget into smaller chunks if you are still have trouble. Planning your budget around your pay periods may help you get a better understanding of your expenses and the timing of their payments. Budgeting is all about cash flow, knowing where it goes, and monitoring changes. Budgeting each time you earn a paycheck can keep you out of hot water should you run into an unexpected expense.

Break Down Your Expenses By Paycheck

Like most people, I get paid twice a month on the 1st and the 15th of each month. We all have several major reoccurring expenses that must be accounted for in each pay period. For example, my mortgage and insurance payments are debited from my checking account on the first of each month. My wife’s car payment and the investment for my Roth IRA and sons’ 529 College Savings Plans are paid on the 15th. When my wife bought a new car, we asked the bank to make the payment due date the exact same date as her previous car loan payment date. That way we kept our two week budget intact.

What About Ongoing Expenses?

What about the things that you do every week? What about groceries? What about eating out at restaurants? When constructing a budget based on two pay periods, you should divide these expenses in half. If you use the envelope system to buy your groceries, you should divide the money equally. For example, my wife and I spend $400 per month every month on groceries for our family. We allocate $200 out of every paycheck for groceries and only go shopping for them every other week. This keeps our spending in check.

Use the Envelope Method to Categorize Expenses

Part of this process can be made simpler by using the envelope method to categorize your expenses. For example, after you’ve devised a budget, set aside an envelope for each expense. Label the envelopes. When you are paid, put money in the envelopes and then dispense the money accordingly. You can take any excess out to go towards savings or to an envelope for the next pay period. The envelope method is an excellent method to use if you want to keep close track of what you spend.

Shift Extra Income From One Pay Period To The Other

Establishing a budget for your money each time you are paid strengthens your cash flow. If you find that you have money left over after you are done budgeting, you’ll need to see where you can apply the excess. For instance, you may find that you can add to your investment accounts with extra money you did not spend. Or, perhaps you will find out that you need to shift money from one budget category to another. These changes can be made easily when you are budgeting two weeks at a time.

When you plan your budget by paycheck, you uncomplicate the process of spending and saving. Budgeting your money whenever you get paid allows you to make needed adjustments without feeling undue stress or strain.

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Everyone has financial goals that they are saving for. Some people want to retire early. Others want to send their children to private school or save for college tuition. No matter what you are saving for, there will inevitably be challenges that you face. Every time I walk into Wal-Mart, I have to look the other way and walk faster when I’m in the electronic section. DVDs are my downfall. I am always looking for a new movie to watch. I have to constantly remind myself that I am saving for my retirement goals.

Here are a five simple tricks that I use to remind myself not to spend money…

Silly Band Dollar Sign

Have you seen these silly bands? Everyone has them. You can get them in all kind of crazy sizes and shapes. My kids are crazy over them and wear them everywhere. Because they only wear a minimum of twenty at a time, people always comment about them. And, I see more and more adults wearing them. I even have a green dollar sign one that I wear or leave banded around cell phone as a way to remind myself not to spend money on frivolous things. It works too. I constantly see it.

Write Your Goal On Your Credit Card

I have been a big fan of writing your savings goal directly on the sleeve that comes with most debit cards. You can even buy clear sleeves for your credit cards before. I wanted to save $10,000 for an emergency fund, and I wrote “$10k” directly on the sleeve as a reminder. You can also take a permanent marker and just write the goal or reason not to use the card directly on the face of credit card.

Wrap A Picture Around Your Credit Card

This idea came from the Simple Dollar. Take a picture of your family or a picture of an item you are saving for, such as a vacation to Paris, and tape it around your credit card. The best thing to do, of course, is just to cut up your credit cards and get rid of them. But, if you cannot do that, then just make yourself as guilty as possible for using them, and a picture of your goal will work nicely.

Pictures Or Writing On Your Bathroom Mirror

Every morning I wake up and do the same routine. I brush my teeth, wash my face, and shave before I got to work. I probably spend a good fifteen minutes in front of my bathroom mirror. I also spend fifteen minutes looking at two goals that I have written in the lower right hand corner of my mirror as well. The bathroom mirror is a great place to remind yourself to reinforce good habits or to watch your propensity for bad ones. I look at the mirror every day, and I’m reminded not to hit up McDonald’s for breakfast despite how good their bacon, egg, and cheese bagel is. The bathroom mirror is a great place where you are held captive. Reinforce yourself with good messages to yourself there.

Rubber Band Around Your Wrist

Wearing a regular rubber band is kind of like tying a string around your finger. Every time you think about buying something that you know you shouldn’t, snap that rubber band around your wrist. Make it hurt. The negative connotation will help reinforce that you should not be doing that action, and believe it or not, it will help you curb your spending.

Not spending money is a hard thing to do. Reminding yourself that you are saving for a goal or a retirement dream that may be decades away is hard. Everyone wants that instant gratification. There are a few tricks that we can do to help ourselves, but you have to be open to new ideas.

Is there a way that you help remind yourself not to spend? Leave a comment and let us know…

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My man, J Money, who runs the wild, awesome blog Budgets Are Sexy reminded me of an obscure article that I wrote last year about the Top Ten Personal Finance Bloggers you should follow on Twitter. Now, that I am a year older and a year wiser with over 1,000 tweets under my belt between the @OwnTheDollar twitter account and my own, @HankColeman, I thought that it was long overdue reexamine my list. Some bloggers are not even on Twitter (or not Tweeting much), some just want to tell you about the latest savings account that will earn you pennies on your pennies, and then finally others want to tell you how awesome their blueberry muffin was for breakfast.

But, then you have a few that are doing some truly awesome things on Twitter who are putting out some great information, keeping you updated on their killer posts, and even giving away a bunch of free stuff.

Here are 30 great Personal Finance Bloggers that you should be following on Twitter…

@BudgetsAreSexy – J Money runs the blog BudgetsAreSexy
@CashMoneyLife – Ryan blogs on Cash Money Life and also about military money issues on the The Military Wallet
@bargainr – Jim funs one of the most popular personal finance blogs, Bargainneering
@jeffrosecfp – Jeff is a CFP and blogs on his site Good Financial Cents
@Bucksome – Kay Lynn blogs about money and life near retirement on The Bucksome Boomer
@Matt_SF – Matt discusses money and investing on Steadfast Finances
@The_Weakonomist – Philip tells you like it is on his blog, Weakonomics
@MyMoneyBlog – check out the blog, MyMoneyBlog.
@MMarquit – You can hardly find a personal finance blog lately where Miranda has not been posting her awesome writing. Check her out at AllBusiness.com
@Elle_CM – Elle writes for Couple Money
@Wisebread – Wisebread is a community of personal finance and money bloggers.
@MoneyCrashers – Money Crashers is another great blog written by multiple authors.
@moneyfunk – Check out the blog at Money Funk
@thesimpledollar – Written by Trent, The Simple Dollar is one of the best blogs around.
@MoneyNing – David Ning runs Money Ning which helps people even with the little things to achieve financial success.
@mbhunter – the Mighty Bargain Hunter is all about saving you money.
@fiscalgeek – Paul writes on an incredibly wide range of money topics on Fiscal Geek
@debtkid – The debtkid dug himself into a hole from day trading and now he talks about digging out on DebtKid
@TheDigeratiLife – the Silicon Valley Blogger runs a very popular website, The Digerati Life, on money matters
@moneyhighway – Ray aims to help people find financial freedom on theFinancial Highway
@mint – The Twitter account for the blog associated with the money site, Mint.
@EverydayFinance – This is the Twitter account for Darwin’s Money
@moneycrush – MoneyCrush discusses learning to love your financial life and reaching your goals.
@mytwodollars – Money discussions in plain English for the rest of us at My Two Dollars
@BSimple – learning financial peace by simplifying your financial life on the Simple Financial Lifestyle
@RedeemingRiches – Restoring your money and your mind on Redeeming Riches
@smartonmoney – Helping your make smart money decisions on Smart On Money
@JoeTaxpayerBlog – Another great blog, Joe Taxpayer Blog, deals with taxes and all things money related.
@moolanomy – Great personal finance site, Moolanomy.
@financialsamura – Financial Samurai is a great blog that doesn’t pull any punches and tells it like it is.
@enemyofdebt – Brad runs the site Enemy of Debt and discusses his journey to be debt free.

Other people on Twitter you shouldn’t miss…

@garyvee – Gary Vaynerchuk inspires me every time I hear him speak. He is amazing! And, now he’s got his own radio show on Sirius. He’s like the Energizer Bunny! He just keeps going and going! Check out his site if you have never heard of him!
@AskJune_USAA – June Walbert is a Certified Financial Planner who works for one of the greatest banks and financial behemoths in the world, USAA. While she’s not a blogger, she puts out some great insightful Tweets that you shouldn’t miss no matter who you bank with.
@jodiecongirl – Jodie is an economist and runs the blog, Economists Do It With Models
@robgarciasj – Rob tweets and blogs about peer to peer lending and works for LendingClub
@consumerist – the blog of Consumer Reports
@lizweston – Liz Weston is a best selling author and nationally-syndicated personal finance columnist

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My wife thinks that I am crazy. I just joined Four Square because Gary Vaynerchuk told me to on his radio show on Sirius satellite radio. Did you know that he had his first show on Sirius/XM last Thursday? It was awesome! It is one hour of wine talk and one hour of Gary talking about technology stuff. I can put up with the hour of wine talk although I have no clue what he is talking about. But, the second hour is incredible! You need to tune into his show on Thursdays at 10pm on Sirius channel 108.

I Joined Foursquare Because Gary Vaynerchuk Told Me To

I have been seeing a few of my friends checking in at various places on Facebook, but I have not really understood the fascination with the service. But, then again, I didn’t understand Twitter when it started either. Gary Vaynerchuk said that I needed to be an early adopter of this technology, and he is right. He’s always right about technology ideas. So, be prepared to see me checking in around town and posting it to Twitter and Facebook. I’ll try and wait until I go somewhere cool to check in though. I was embarrassed that my first “check in” was at McDonald’s while I was getting my beloved Mocha Latte.

What Is Foursquare?

Foursquare is an application for your phone, iPhone, Android, or Blackberry, that makes cities around you easier and more interesting to explore. You can use the service as a way to find where your friends are hanging out, what companies and services people recommend, etc. With Foursquare, users “check in” to a place when they are there which can tell their friends via Twitter, Facebook, or the Foursquare website or app where they are. You can even use it to track the history of where you have been and who you were there with.

Cool Things Are Coming To Foursquare

Eventually, I am going to get a discount or a free Mocha Latte when I check in at McDonalds through Foursquare. When you go to the “Tip” screen of the app on your phone, you can see people’s recommendations for different venues. This is especially awesome for finding new restaurants or receiving discounts at places that you have checked in to. For example, the Holiday Inn Express near me said that they were going to give free Priority Club points to people who checked in there to stay and used Foursquare. And, that is just one example. There are so many possibilities, and that is why you need to get in on the ground floor of these technology advancements.

Do you remember when foursquare was the cool kid game to play on the playground? I sure do. Soon, it is going to be the cool kid app to play with on the internet. What are you waiting for? You need to go get an account. You waited like I did to get a Twitter account, but you should not wait to be an early adopter of Foursquare. It is the wave of the future. Beat the other slackers to the punch. Join now.

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