Children's Creditcard

Investing For Your Future

Sep 12

Maybe want to have kids some day? Start thinking about your fertility now. No, it’s not too early.

by CEES STAPEL

Infertility impacts 1 in 8 women in the United States, and treating infertility can quickly become costly. Since Flow Financial Planning primarily works with early-to-mid-career women who are often grappling with big career, family, and financial decisions during their (possibly last) fertile years, any plan feels incomplete without addressing the biology and finances of fertility. [Meg’s Note: This post was written by guest bloggers Erin Coffman and Rebecca Rosenfelt. Erin and Rebecca are

Investing For Your Future

Sep 12

Charitable Giving for Tech Employees…Take Advantage of Your Unique Opportunities.

by CEES STAPEL

A friend of mine in the Bay Area recently learned from a local charity that women in tech between the ages of 25 and 45 are their biggest donors. Obviously you can donate to charity regardless of age, gender, or industry, but being in the tech industry means you have some unique opportunities in your philanthropic efforts. Why to Donate I shall blithely set aside the notion of “because it’s your responsibility as a human on this planet to help out the more needy” (if you’re

Investing For Your Future

Sep 12

“The Opposite of Spoiled” or Kids V. Money: Thunderdome

by CEES STAPEL

Do you want your children to understand what thrift is, evaluate trade-offs in their decision-making, practice gratitude, and grapple with the idea of gasp! “enough”? You might want to pick up The Opposite of Spoiled. The subtitle of the book is actually “Raising Kids Who Are Grounded, Generous, and Smart About Money.” A more informative subtitle than mine, but mine’s probably a more accurate representation of how we parents think about it. Plus, gratuitous ‘80s throwback!

Investing For Your Future

Sep 12

Strategies for Maximizing College Financial Aid. Part 1.

by CEES STAPEL

And in this corner, striking terror, hope, and confusion in parents’ hearts for years: College financial aid! Have you been diligent in saving for your child’s college education? Does it matter? I’m guessing that very few of us will have saved up 100% of our child’s college’s sticker price. Enter financial aid. Part 1 teaches you how financial aid works enough so you can understand the whys of the strategies and tactics I’ll explain in Part 2. How Financial Aid Is Calcul

Investing For Your Future

Sep 12

College Planning: When they’re not little any more

by CEES STAPEL

Most of what we hear about the cost of college is How High it is and How Early and How Much you’d better save if you want to send your kids. It’s as if the collective consciousness has forgotten that an equation always has two sides. Sure, we can try to save enough to pay that enormous bill, but why don’t we try to lower the bill too? This is basically Phase 2 of college planning: It starts when your kid is in high school and lasts all the way through college (and beyond, with lo

Investing For Your Future

Sep 12

A Guide to Online Card Payments

by CEES STAPEL

Cashless payments are the new normal. Technological advancements have allowed customers to pay for goods and services in-person as well as remotely. There are a number of benefits associated with online card payments. They can offer a more efficient shopping experience for you as well as your customers. They can also save you valuable company time and money in the long run. Continue reading to find out all you need to know about online card payments. Merchant account The first step towards

Investing For Your Future

Sep 12

Cardless Cavs/ManU Cards, Earn Double During First Year (Up to 100K Bonus Points)

by CEES STAPEL

Cardless Cavs/ManU Cards, Earn Double During First Year Cardless, a credit card issuer startup, offers a Cleveland Cavaliers and Manchester United card. We have seen bonuses of 50,000 and 100,000 points in the past. Points used to be worth 0.5 cent each, but have recently been doubled in value. That means that if you were lucky to jump in on that 100K bonus, you got $1,000 worth of points. If you missed out, there’s now a new offer that can still earn you up to 100,000 bonus points during

Investing For Your Future

Sep 12

7 Moves to Make if Your Unemployment Benefits Just Got Cut

by CEES STAPEL

Unfortunately, our website is currently unavailable in your area. In order to comply with the internationally applicable GDPR - and other regulations, no IP address or user account originating in your geographic location will be accepted. If you have any questions or requests, please contact us at 727-317-5800. This website is using a security service to protect itself from online attacks. Ray ID: 68d6a7fb3c5b3b85 Timestamp: 2021-09-12 05:15:07 UTC Your IP address: 51.158.101.1

Investing For Your Future

Sep 12

How to Buy Real Estate With Your IRA

by CEES STAPEL

Ljupco Smokovski / Shutterstock.com Editor's Note: This story originally appeared on SmartAsset.com. An IRA, or individual retirement account, may already play an important role in your overall retirement plan. What you may not realize about this kind of tax-advantaged plan, however, is that you can use it to purchase real estate and further grow your savings. Let’s talk about what that process entails, why a real estate IRA is worth considering and some important pitfalls to keep in mi

Investing For Your Future

Sep 12

8 Common Online Shopping Mistakes That Will Cost You

by CEES STAPEL

Andy Dean Photography / Shutterstock.com Retirement planning is no walk in the park. It’s complicated. No surprise that many of us make mistakes that can turn retirement dreams into last-minute panic. As retirement nears, there are tons of things to think about, like when to take Social Security, how much to take out of your 401(k), creating a spending plan you can stick to and investing your retirement savings. And like the butterfly effect, tiny decisions now can lead to huge, life-alte

Investing For Your Future

Sep 12

9 Deep Discounts Available on Amazon This Friday

by CEES STAPEL

Andy Dean Photography / Shutterstock.com Retirement planning is no walk in the park. It’s complicated. No surprise that many of us make mistakes that can turn retirement dreams into last-minute panic. As retirement nears, there are tons of things to think about, like when to take Social Security, how much to take out of your 401(k), creating a spending plan you can stick to and investing your retirement savings. And like the butterfly effect, tiny decisions now can lead to huge, life-alte

Investing For Your Future

Sep 13

14 Myths About Becoming a Millionaire

by CEES STAPEL

Nejron Photo / Shutterstock.com Editor's Note: This story originally appeared on NewRetirement. A lot of retirement planning articles suggest that you “need” a million bucks to retire securely. We know that is not true. There are as many different ways to retire with confidence as there are people. However, getting to a million dollars is a big and often desirable milestone. And, depending on your goals, retirement can indeed require sizable savings. Here are 14 myths and a few hints

Investing For Your Future

Sep 13

Comparing Online Review Sites for Better Results

by CEES STAPEL

Unfortunately, our website is currently unavailable in your area. In order to comply with the internationally applicable GDPR - and other regulations, no IP address or user account originating in your geographic location will be accepted. If you have any questions or requests, please contact us at 727-317-5800. This website is using a security service to protect itself from online attacks. Ray ID: 68dee83ebc6108ab Timestamp: 2021-09-13 05:17:05 UTC Your IP address: 51.15.245.19

Investing For Your Future

Sep 13

8 Easy Ways You Can Stop Robocalls

by CEES STAPEL

Andy Dean Photography / Shutterstock.com Retirement planning is no walk in the park. It’s complicated. No surprise that many of us make mistakes that can turn retirement dreams into last-minute panic. As retirement nears, there are tons of things to think about, like when to take Social Security, how much to take out of your 401(k), creating a spending plan you can stick to and investing your retirement savings. And like the butterfly effect, tiny decisions now can lead to huge, life-alte

Investing For Your Future

Sep 13

9 Ways to Turn Your Bedroom Into a Sanctuary for $100 or Less

by CEES STAPEL

fizkes / Shutterstock.com The older I get, the more I value a good night’s sleep — that deep, drooling, forget-the-world kind of sleep. But good rest doesn’t happen by chance, at least not after age 50. These days, it takes a little planning and effort. If you’re having trouble unwinding during these unnerving times, take a look around. Is your bedroom a place you’d rather retreat from than retreat to? If so, it’s time to get to work. Here are some affordable ways to turn your b

Investing For Your Future

Sep 14

5 Ways to Lower Your Monthly Bills in Minutes

by CEES STAPEL

Andy Dean Photography / Shutterstock.com Retirement planning is no walk in the park. It’s complicated. No surprise that many of us make mistakes that can turn retirement dreams into last-minute panic. As retirement nears, there are tons of things to think about, like when to take Social Security, how much to take out of your 401(k), creating a spending plan you can stick to and investing your retirement savings. And like the butterfly effect, tiny decisions now can lead to huge, life-alte

Investing For Your Future

Sep 14

11 Household Items That Go Bad — or Become Dangerous

by CEES STAPEL

Minerva Studio / Shutterstock.com All good things must come to an end, including a lot of the stuff filling your home. While stocking up can seem like a smart move, not everything can be stored indefinitely. Following are some items that might be about to go bad — or worse — in your stockpile. 1. Hand sanitizer Elizaveta Galitckaia / Shutterstock.com Most hand sanitizers have an expiration date printed on the label. Opinions differ, but the stuff has a shelf life of one to three yea

Investing For Your Future

Sep 15

The Best Mystery Shopper Jobs

by CEES STAPEL

Unfortunately, our website is currently unavailable in your area. In order to comply with the internationally applicable GDPR - and other regulations, no IP address or user account originating in your geographic location will be accepted. If you have any questions or requests, please contact us at 727-317-5800. This website is using a security service to protect itself from online attacks. Ray ID: 68ef6905aade32bf Timestamp: 2021-09-15 05:21:12 UTC Your IP address: 51.158.107.1

Investing For Your Future

Sep 15

8 Things Still Getting Hammered by Inflation

by CEES STAPEL

Andy Dean Photography / Shutterstock.com Retirement planning is no walk in the park. It’s complicated. No surprise that many of us make mistakes that can turn retirement dreams into last-minute panic. As retirement nears, there are tons of things to think about, like when to take Social Security, how much to take out of your 401(k), creating a spending plan you can stick to and investing your retirement savings. And like the butterfly effect, tiny decisions now can lead to huge, life-alte

Investing For Your Future

Sep 17

Getting Ready For Credit Card Consolidation

by CEES STAPEL

When I was 18 years old, my parents wanted to teach me a lesson that credit cards can be dangerous. So they had this one year plan for us: Daddy would pay the bills and we couldn't use our own card unless it solved an emergency situation like when your car breaks down on the side of the highway or if you break your arm while skiing (which is totally what happened). Nowadays with more than 3 billion people having at least 1 credit card in their wallet, there's room for mistakes - but here are som

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