Apple's device is available for orders Friday. How to weigh early adoption.
Owning a cutting-edge gadget has a certain cool factor, but early adopters rarely get a great deal. Some observers say Apple’s new iPad, available to pre-order Friday for an April 3 release, isn’t likely to be an exception -- though there will probably be no shortage of shoppers wanting to go first.
Make a pre-emptive strike against being invited to another Tupperware/Princess House/etc. party.
Awhile back, I wrote about the dangers of selling to friends and family. Recently, a reader wrote to me about wanting to make a “pre-emptive strike” against these kinds of sales pitches, but didn’t know how to go about it.
Please feel free to copy and paste the following e-mail, edit it as you please, and send it to your friends. Trust me, almost all of them will thank you.
How is a time-share like a marriage? They're both easier to get into than out of.
I’ve never owned a new car because I can’t stand the thought of buying something that’s going to drop in value by thousands of dollars the instant I own it.
But from what I learned while researching this story, buying a new car could be a smart purchase compared with a time-share. Why? Because time-shares can depreciate even faster.
One article argues that their attitudes are what's needed in a new economy, but another thinks they can't adapt.
The popular perception of Generation Y, or the millennials, those young people between 18 and 29, is that they’re slackers, doomed by their own sense of entitlement and a bad economy to life in their parents’ basements because they can’t adapt to the reality of the marketplace.
Phony group claims that $1.3 billion of Madoff money was found in a hideout in Malaysia.
Scammers apparently targeted victims of Bernie Madoff with a phony Web site that mimicked the Web site of the Securities Investor Protection Corp., the SIPC said.
The so-called “International Securities Investor Protection Corporation” solicited Madoff victims to submit claims, which could result in phishing or other identify theft problems, according to the SIPC.
One section of the Web site included a supposed testimonial from a Madoff victim who claimed to have received funds from the organization.
Citibank now wants a big fat annual fee, but dropping that credit card will damage her credit score.
Have your credit cards started adding annual fees yet? Not the ones you use -- that would be silly. The banks will gouge you in other ways for those. I’m talking about the ones that you don’t use.
It turns out that maintaining those cards is a pricey venture for the poor, downtrodden banks.
I received notice from Citibank last week that a card I haven’t used in, oh, seven years will begin having a $60 annual fee starting April 1. The only way for me to avoid this fee is to use the card, to the tune of about $200 per month in charges.
That’s not that much and I could actually easily wrangle a way to do it, except that I don’t want to. Our family is trying to whittle down credit cards, not add usage. But closing this particular card down would be particularly damaging to my credit score.
Some of that stuff you want to get rid of may be worth more than you think.
Done right, de-cluttering during spring cleaning can yield more cash than just spare change found amid the couch cushions.
“We Americans are in love with our stuff, and we have way too much of it,” says Gail Cunningham, a spokeswoman for the National Foundation for Credit Counseling. “If you haven’t used it or worn it in a year, sell it.” In addition to profiting from the sale, you may be able to cut costs to store and maintain items.
Before you sell, do a quick online search for the item, using the make, model and other identifiers as keywords, says Brandie Kajino, a professional organizer in Vancouver, Wash. It’s not uncommon to undervalue a used or older item -- that is, after all, the entire premise of collectibles shows like “Antiques Roadshow.”
Hosting a garage sale or setting up eBay listings is one way to clear things out, but there’s no guarantee that you’ll get top dollar. Before you resort to a big sale, try these tactics to profit:
You can use the money for all kinds of things. One young couple used it to buy peace of mind.
It's been a saga but we finally got it done. And as someone who has been looking for this long, I can tell you that we were pressured every step of the way to just buy something -- anything -- because it was the "perfect" time to buy. This had to do with prices coming down and interest rates being low.
But the best reason to buy was always President Obama's first-time homebuyer's tax credit. It would give us $8,000 in cash to use however we pleased after we closed on the home. This deal was the greatest thing since the Snuggie and we would be stupid not to take advantage of it.
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