Smart SpendingSmart Spending

Here are 11 ways to keep cool near the water this summer for less.

By Karen Datko Jun 16, 2010 5:00PM

This Deal of the Day comes from Kelli B. Grant at partner site SmartMoney.

 

Sticking close to the air conditioner is one way to stay cool during the dog days of summer. Heading to the nearest pool, beach or water park can be even more satisfying -- and budget friendly, too.

 

The National Weather Service's Climate Prediction Center expects a summer of above-normal temperatures for states in the West and Southeast, as well as for Alaska. The service also predicts slightly below-normal temperatures for the Midwest.

 

Here’s how to beat the heat with cheap water access:

 

Do what you love, invest in yourself, and it's not all about money. Plus, we've got a few Father's Day deals.

By Teresa Mears Jun 16, 2010 2:02PM

We could give you one of those same old lists of what to buy your dad for Father's Day on Sunday, June 20, but does he really want another tie, tool or gadget? OK, maybe he wants a new iPhone 4G, but can you afford it, even if all your siblings chip in?

 

Once my father left his advertising job and quit wearing ties, I never knew what to get him. This year, he has sent out a note telling his children not to get him anything but he does have a whole list of chores he'd like done. Maybe your dad has a similar list. Or maybe he'd like to go out to dinner, golfing, fishing, to a movie or a ball game or over to your house for dinner.

My father, who doesn't want things that aren't useful, raised a daughter who refuses to buy things that aren't useful just because society says it's a gift-giving occasion. Tell society no! My father encouraged free-thinking, too.

 

When it comes to our attitudes about money and how we live our lives, many of us can thank (or blame) our fathers.

 

Who'd have guessed the spray that cleans the bugs off your windshield could cause so much trouble?

By Karen Datko Jun 16, 2010 1:46PM

This post comes from Des Toups at MSN Money.

 

Commercial washer fluid can cost anywhere from $2.99 to as much as $5.99 a gallon. Trying to save money by dumping in water from the tap could cost you your life, though.

 

A June 7 report from the British Health Protection Agency says motorists face an increased risk of a potentially fatal infection if they use water alone in their car's washer systems. Additives that prevent freezing may also kill bacteria, apparently.

 

Economists take on our long workweek, how it got this way, and what to do about it.

By Karen Datko Jun 16, 2010 12:56PM

This guest post comes from Pop at Pop Economics.

 

By now, our workweek should be just a few days. At least, that's what economists predicted in 1958. Put another way, if we kept up the current 40- to 50-hour workweek, they predicted we'd have an average retirement age of 38.

 

As you know, that didn't happen. And you might wonder how it so happened that we're working just as much now as we did in the 1940s.

 

Is it really necessary to keep Photoshop, Word, Outlook, Safari and Internet Explorer all open at the same time?

By Karen Datko Jun 16, 2010 8:32AM

This post comes from Coupon Sherpa at partner blog Wise Bread.

 

Lurking within your office or home is a group of workaholics that are costing you money. Who are these offenders? They're your computer system.

The average computer wastes roughly half the power it draws from its energy source. This power never reaches the processor or other components, yet it creates heat that places extra demand on your cooling system. These energy vampires translate into higher bills and unnecessary greenhouse gas emissions.

 

Here are 10 easy fixes to protect your wallet without reducing your computer's capabilities:

 

As long as supplies last, every phone in the T-Mobile store will be free Saturday with a family contract.

By Karen Datko Jun 15, 2010 7:25PM

Will the offer of a free phone -- any phone in the store! -- be enough to get you into a T-Mobile retail outlet on Saturday, June 19, for a little pre-Father's Day shopping? Or is this one of those deals in which you get what you pay for?

T-Mobile USA, which ranks fourth among domestic carriers, calls the sale unprecedented -- "the mother of all Father's Day offers." Sure, many phones are already free for those who commit to a contract. But Saturday's deal includes all 30 devices in the T-Mobile repertoire.

 

Regulators cap late fees at $25, ban 'inactivity fees' and other piling-on tactics.

By Karen Datko Jun 15, 2010 5:41PM

The Federal Reserve has issued several new consumer-friendly rules for credit cards, which will take effect Aug. 22. If you've been blasted with high late-payment fees, newly minted inactivity fees or interest rate hikes, take note. 

The fine-tuning is in addition to other credit card rules that have already altered the often-strained relationship between credit card companies and their customers. "The rules respond to public and congressional outrage over practices by credit card companies," The Associated Press said.

 

Here's what you can look forward to as a result of the Fed's latest move:

 

One study finds college students less empathetic, but other studies disagree. Maybe their elders are just curmudgeons.

By Teresa Mears Jun 15, 2010 3:11PM
As if there weren't enough slamming of Generation Y as self-centered slackers, here comes another study that shows that today's college students are 40% less empathetic than the generations before them.

 

"Many people see the current group of college students -- sometimes called 'Generation Me' -- as one of the most self-centered, narcissistic, competitive, confident and individualistic in recent history," said Sara Konrath, one of the researchers at the University of Michigan Institute for Social Research. Researchers there analyzed data on empathy among almost 14,000 college students over 30 years, and found the greatest drop after 2000.

 

We'd advise everyone to run for the nearest retirement (oops, active adult) community but we should probably point out that other studies have found the millennial generation to be MORE civic-minded.  Since one day they'll be paying our Social Security and leading our country, we need them to care.

 

DATA PROVIDERS

Copyright © 2014 Microsoft. All rights reserved.

Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.

ABOUT SMART SPENDING

Smart Spending brings you the best money-saving tips from MSN Money and the rest of the Web. Join the conversation on Facebook and follow us on Twitter.

VIDEO ON MSN MONEY

TOOLS

More