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Ben Stein Offers Four Lessons From the Recession

by Flexo on November 20, 2009

in Investing

The United States must be approaching the end of the recession when economists begin offering their retrospectives. Even if the data are pointing to an end to the recession, in technical terms, the economy is a long way from recovery. Just look around at the people out of work. Even those who have maintained their jobs are finding it difficult to qualify for mortgages, keeping the real estate industry itching for more handouts like the extension to the home buyers’ tax credit.

And some economists are not convinced that the worst is over. We may be in the lull of a double-dip recession. Wherever the economy is, making predictions, like critiquing wine, is often no more accurate than randomness.

For Fortune Magazine, economist and actor Ben Stein contributed four of the lessons he learned during the recession.

  • Economic forecasting is still an extremely difficult gambit
  • Financial market forecasting is even more troublesome
  • The amount of lying and deception by the financial sector of this country has been breathtaking
  • The government has no special abilities to forecast or predict a darned thing

Ben Stein is usually a strong supporter of the financial industry, so it’s nice to see him pointing out some of the flaws inherent in the system. He goes on to reassure investors that staying invested in stocks and bonds while keeping enough liquidity is the best way to weather recessions in the long term. If the second dip rears its head, I would like to believe it will provide more opportunities for investing for growth over the coming decades.

Are you prepared for the next recession?

Photo credit: simonhn
4 lessons from the recession, Ben Stein, Fortune, November 19, 2009

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Living It Up… At the Library?

by FruGal on November 19, 2009

in Consumer

Over the next couple of weeks, six finalists will be auditioning for the opening of “staff writer” at Consumerism Commentary. Each will be providing two guest articles to share with readers. After the six writers have shared their guest articles, readers will have an opportunity to provide feedback before we select the staff writer.

This article is presented by FruGal, a consultant for a prominent online educational program.

From the time I was a little girl, I can remember making regular trips to my local library. The sights, smells, and sounds are still with me as if it were yesterday. It’s all still fresh in my mind – everything from climbing up the dark, cobweb filled stairwell in the old building in town, to wandering aimlessly throughout the shelves, trying to find a R.L. Stine horror novel that would keep me up late at night, reading in bed with a flashlight.

Fast-forward twenty something years, and you’ll still find me at my local library. However, I’m immersed in an experience that has been completely transformed from what it was decades ago. Long gone are your old-fashioned, wooden card catalogues to help guide you through the endless shelves of books, and other more traditional fixtures of the public library. Today’s modern library is truly an infinite supply of resources, knowledge, entertainment, and more. And best of all, it’s all completely free!

I could talk for hours upon hours about the different services and materials that are available to you at your local library, which chances are, is probably only miles from your home. However, for the interest of this post, I’ll be highlighting my favorite things you can find at your library today.

I’ll get started with the “what” of the library. Books, DVD’s, and CD’s are definitely at the top of my list. Next time you think about heading to your nearby bookstore, or paying the exorbitant cost of going to the movies (plus popcorn, a drink, etc.), consider heading out to the library. The library is home to an endless wealth of new (and old) releases that are available to community members such as you. I visit my local library about once a week, usually on the weekends, and pick up a wide variety of materials that are of interest to me. Take DVD’s for example. At the library, you’ll have everything from blockbuster comedies that just came out of the theater, to documentaries from around the world. You can even find materials such as Audiobooks, which are great for long drives, or perhaps to share with a friend or family member who, for whatever reason, may not be able to read.

Now, let’s explore the “how”. Your local library has an online catalogue system, called an Online Public Access Catalogue (or OPAC) which has replaced your traditional card catalogue. Within the OPAC, you can search through your library’s inventory of multi-media resources. But to take it a step further, you have the ability to reserve items through the system. This is as simple as securing your library card number, which is located on the back of your card, and establishing a pin if you don’t have one already. If you need help, a library staff member will surely lend a helping hand. Once you’re logged in to the online system, you can search for, and place a hold on the latest and greatest books, DVD, and CD titles, plus lots more. At my library, I can place a hold on up to 15 items at a time, and I’m simply sent an email when my request has been filled. The library has a system where materials are transferred from one branch to another for your convenience. With less popular or older items, you’ll only have to wait a few days, whereas with new releases, it may be a few weeks. Either way, if you keep your “hold” list full, you’ll constantly have a wide variety of materials ready to be picked up and enjoyed. Or, if you choose, you can simply wander the shelves and discover whatever may catch your interest.

Last but not least, let’s talk about the “why”. With today’s economy, every penny really does matter. If you add up the total of just one book, one CD, and one trip to the movies, it’s probably around $50.00 or more. To me, it’s much more practical to take advantage of a free (and fun) resource that so many people have tapped into. Plus, it truly is an enjoyable experience. The other day while I was leaving the library, I smiled as I glanced through the glass that peeked into the children’s area, and a father was sitting in a miniature chair, reading to his son. While the library is constantly changing and evolving, some things never change – which is a good thing.

With this all being said, as a lover of books, I realize that there are some must-haves for your collection. I’m not saying completed deprive yourself of these items, but rather, make an effort to be more conscious in your spending habits. Also, I would be remiss if I didn’t mention how you can help the library. After all, it’s done so much for you. Consider becoming a “friend” of your local library, which could include anything from helping to raise funds through book sales, or shelving books. More information about this can be found on your library’s website, or by inquiring in person.

Phew, all this and I’ve barely touched the surface! The library is home to special events, classes, story time for children, author talks, arts and crafts… need I go on? I’ll guess I’ll have to save the rest for another time. For now, if you aren’t already, I encourage you to visit your library and explore the many opportunities that are available to you, as well as your family. I guarantee you won’t be disappointed AND you’ll have some extra money in the bank.

I’d love to hear from Consumerism Commentary readers about your experiences with the local library. How often do you visit? What are your favorite materials?

This is a guest article by FruGal, one of six finalists interested in being Consumerism Commentary’s staff writer.

Photo credit: (Erik)

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How To Do Your Holiday Shopping Through Rebate Sites

by V.C. McGuire on November 18, 2009

in Consumer

Over the next couple of weeks, six finalists will be auditioning for the opening of “staff writer” at Consumerism Commentary. Each will be providing two guest articles to share with readers. After the six writers have shared their guest articles, readers will have an opportunity to provide feedback before we select the staff writer.

This article is presented by VCMcGuire, a regular contributor to the New York Times and other publications.

I hate shopping. A lot. I have been known to buy the wrong thing, for the wrong price, just to get out of the store.

Buying gifts is the worst. Here’s what happens on a typical shopping trip before Christmas. I’m standing in a store, holding something in my hand, and I’m thinking, “Will this book/sweater/candle show my grandma/father/spouse how much I love them? Do I really know them well enough to know what they will like?”

This is followed closely by another glance at the price tag, and the realization that this month’s credit card bill is going to be bigger than our mortgage payment. Right about then, somebody usually starts hanging on my arm and asking if we can please buy a soft pretzel now, Mom?

That’s when I either convince myself that my father will love that shade of fuschia, or I walk out of the store empty-handed.

Thank god for online shopping. I can do it at home. I can find the best price. In most cases I can find the perfect color and size. And by spending a few extra minutes, I can often get a pretty good discount on my purchase. My goal is to get a discount big enough to cover the shipping charges.

I do this by using a third-party cash back site to get a rebate. I’m a member of several rebate sites, and most of the online stores I buy from participate in at least one of these programs.

But how can you find out whether, say, Macys.com, participates in any rebate programs?

I use a site called Ev’Reward. (Flexo reviewed Ev’Reward back in 2006.) This site lets you plug in the name of a store and find coupons, or rebate sites that will give you a kickback. Online coupons consist of a code you can enter before you buy, and your savings are instantaneous. Rewards sites usually require you to sign up for an account, then click through from their site to the retailer. Once you have accounts with a few rewards sites, though, this is pretty fast. The downside is you have to wait to get your rebate–usually about 90 days from the date of purchase. This gives the retailer time to make sure you’re not going to return your purchase.

I’ve tried a number of rewards programs, and I’ve got my list narrowed down to about four that I use on a regular basis. I don’t participate in any rewards programs that cost money to join. And I don’t use any of my travel reward accounts for this purpose. I get miles and hotel points when I travel, but I would rather have cash money as a rebate for shopping, not miles or points.

Here are my favorite rewards sites, and a summary of their advantages.

  • Fat Wallet. Unlike most of its competitors, Fat Wallet has no minimum balance before you can withdraw your money. You still have to wait a couple months for the rebates to clear in their system, but then you can request to be reimbursed through Paypal. The site has a lot of other good features, like a thriving discussion board for bargain hunters, that make it worth a longer visit.
  • Mr. Rebates. This site often has the highest rebates for specific merchants. Recently, the minimum withdrawal was lowered to $10, making Mr. Rebates more attractive. This site also has the best referral program. You don’t get anything when you initially refer a friend, but you get 20% of all their rebates for as long as they’re members. If you refer a few big-time online shoppers, you can earn a steady trickle of passive income.
  • Ebates. Ebates also has relatively high rebates compared to other sites. Another plus is that they automatically send your rebates quarterly once you reach the $10 minimum pay-out. That means you don’t have to remember to come back and request to be paid. Ebates also has a referral program. When you refer a friend and the friend makes a purchase through Ebates, you get a $5 bonus, but there’s no ongoing kickback for your friend’s future purchases. I recently bought a bunch of school uniforms for my kindergartener from JCPenney.com, and got 3% back from Ebates.
  • Upromise. This site’s kickbacks for online shopping are usually much lower than the other 3 I’ve mentioned, but it’s worth signing up anyway. You can register grocery store rewards cards with Upromise, and get a few cents in your Upromise account when you buy selected products. You can ask friends and family to sign up for Upromise accounts, naming your kid as a beneficiary, although some of my relatives were understandably skeeved out by the idea of letting yet another company track and analyze their spending. The rebates accumulate in your Upromise account until you roll them into a 529 college savings plan. We all know college is wicked expensive, so every little bit helps. I’ve been participating in Upromise for a few years now, and I’ve saved a few hundred dollars–enough to pay for a single textbook. Maybe.

So, with the holidays approaching, I’m looking forward to avoiding the malls and getting rebates on all my gift purchases.

I’ve probably missed some good rewards sites, and I know there are other sites besides Ev’Reward for looking up online discounts. What are your favorites?

Don’t forget to check out these recent Consumerism Commentary guest posts on couponing and smart holiday spending for more ideas.

This is a guest article by VCMcGuire, one of six finalists interested in being Consumerism Commentary’s staff writer.

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2010 Roth Conversion: Good Idea?

by J.J. on November 17, 2009

in Investing

Over the next couple of weeks, six finalists will be auditioning for the opening of “staff writer” at Consumerism Commentary. Each will be providing two guest articles to share with readers. After the six writers have shared their guest articles, readers will have an opportunity to provide feedback before we select the staff writer.

This article is presented by J.J., a financial adviser and published financial author.

Roth IRA conversion rules are changing next year. Even if you make more than $100,000, you’ll be allowed to convert Traditional IRA money into after-tax Roth money. You can even spread the tax payments out over a few years to make it easier if you convert during 2010.

Does it make sense to do so?

We’ve touched on the 2010 Roth conversion rules before. Let’s dig deeper into why it may or may not make sense to convert.

Why convert?

The 2010 conversion rules may help some taxpayers. In general, the opportunity is more attractive if:

  • You think tax rates are headed higher
  • You’ve been making nondeductible IRA contributions
  • You have a high net worth or you want to leave more for your heirs
  • You want to diversify the tax status of your money, just like you diversify your investments

Higher tax rates

With higher tax rates in the future, you can get your tax payment out of the way now — at a lower rate. What might make tax rates higher in your retirement years? You could have higher earnings, lawmakers could raise tax rates overall, or both.

With all the talk of government bailouts and broken entitlement systems (like Social Security and Medicare) it’s easy to see why rates could go up. The government needs money, but the solution may not be as simple as an income tax rate increase. There are other ways they can drum up cash:

  • Consumption or value added taxes (VAT)
  • Change how much you and your employer pay for Social Security
  • Change limits on retirement plan contributions
  • “Forget” to change certain limits with inflation (IRA and retirement plan contributions, compensation recognized for Social Security and retirement plan calculations, etc)
  • Change the laws and make Roth distributions taxable (or potentially taxable, like Social Security benefits)
  • Other strategies I’m not smart enough to understand

If you’re betting on higher tax rates, make sure you understand how the bet can go wrong.

Nondeductible contributions

If you’ve been making nondeductible contributions, you’ve practically made Roth contributions anyway. In fact, you probably couldn’t deduct the contributions because you make too much money. For you, the conversion option is worth investigating because it would allow you to get the earnings out tax-free – as opposed to just the contributions.

Ideally, you’ve been making nondeductible contributions in recent years, and you have little or no earnings in the account after the recent market decline (sometimes there’s a silver lining). If so, the tax hit may be minimal. However, you should look at all your IRA accounts in aggregate to figure out how much it’ll cost.

Diversify, diversify, diversify

Diversification is another decent reason to consider converting. Most people have all (or a majority) of their retirement savings in Traditional pre-tax accounts. They’ll have to pay income tax as they spend that money. Since we don’t know what tax rates will do, it may make sense to hedge your bets.

If you have a choice of funds (pre-tax and post-tax) in retirement, you can choose whether or not to increase your tax bill in a given year. Suppose you do some consulting work and earn money – it may make sense to take a Roth distribution that year. On the other hand, you can take Traditional distributions when you have little or no taxable income.

Estate planning

If you’re fortunate enough to have an estate planning problem — or just more money than you need — then Roth money can come in handy. By converting, you pay taxes today so your heirs can take tax-free distributions (unless they change the rules and start taxing Roth distributions, of course). You also remove money from your estate when you pay the tax bill.

You’re required to take distributions from Traditional IRAs during your lifetime, starting after you reach age 70.5. The government wants you to generate some tax liability on all that money you’ve been protecting, so they force you to dribble it out over your remaining years. Roth IRAs do not have this requirement, so you can leave more for your heirs.

Proceed with caution

If the idea attracts you, don;t rush into anything. In the coming months, we’ll learn more about the complexities of the 2010 conversion rules, and how the landscape may change (for example, will tax rates increase in 2011 and 2012 — making it less attractive to spread the payments out?). Unless tax rates in your retirement years increase substantially, you probably won’t hit a home run by converting. However, you might come out ahead or just enjoy having more flexibility in retirement.

Remember that if you earn over $100,000, you’re already in a fairly high tax bracket (at today’s rates at least). A conversion won’t be cheap, and you should pay the taxes due from savings available to you outside of your retirement accounts.

Give your eyes a break and listen: a recent Consumerism Commentary podcast has more insight into the 2010 conversion rules.

Will you take advantage of the Roth conversion rules next year? Why or why not?

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The Economy Triggers a Rebirth of the Entrepreneurial Spirit

by Debbie on November 16, 2009

in Career and Work

Over the next couple of weeks, six finalists will be auditioning for the opening of “staff writer” at Consumerism Commentary. Each will be providing two guest articles to share with readers. After the six writers have shared their guest articles, readers will have an opportunity to provide feedback before we select the staff writer.

This article is presented by Debbie Dragon, a full time freelance writer and co-owner of ReliableWriters.

When farming was a common way of life, more Americans were self-employed than not. With the growth of corporations in recent decades, many Americans decided to get on the corporate bandwagon in hopes of climbing the ladder to success. In recent years, due partly to the struggling economy, many people are turning to self-employment. When people are laid-off, many take their skills to the marketplace and become entrepreneurs.

Thanks to technology, many businesses can be started from home and with little capital. This is a good thing, since banks are hesitant to lend money to anyone, let alone a business start-up. For a few hundred or a couple thousand dollars, a business can be set up complete with a logo, website and business structure. While it’s true that a poor economy may mean less people have the money to buy whatever you sell — many successful businesses start during a recession and are then positioned perfectly when the market turns around.

According to the last U.S Census, more than 10 million Americans are self-employed. I would be willing to wager that the number has increased drastically in just the last five years, with more people starting freelance and home based businesses “on the side” to increase their income or as a replacement for a job lost to the economic conditions. Self-employed Americans do everything from construction to accounting to crafts, but the most commonly selected industry on self-employed income tax returns is “professional and business services.”

In previous decades, there was a tendency for self-employed Americans to be male and white. During the years between 1976 and 2003, a surge of women entrepreneurship blossomed, with an increase from 27% of self-employed workers being women to 39%. Many women start small businesses in an effort to both contribute to the family income and still have the flexibility to raise their families. You’ll also notice that self-employed people are over-represented at the top of the income curves for America, helping prove that greater rewards are given to those who take larger risks (in some cases). Entrepreneurship has always been valued in American culture, and a poor economy seems to nurture it rather than squash it.

For every depressing statistic and news story given about the economic condition it’s almost as if the entrepreneurial spirit is awakened in people who are determined not to sit by helplessly as jobs are lost. The economic conditions serves as motivation for some, whether that motivation is driven by plain fear — or hidden ambition.

This is a guest article by Debbie Dragon, one of six finalists interested in being Consumerism Commentary’s staff writer.

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Podcast 30: Nick Corcodilos, Ask the Headhunter

by Flexo on November 15, 2009

in Podcast

The guest on today’s Consumerism Commentary Podcast is Nick Corcodilos, author of Ask the Headhunter: Reinventing the Interview to Win the Job and How to Work With Heahunters. Nick is the founder of the website Ask the Headhunter where he offers advice about job hunting.

Today, Tom Dziubek and Nick Corcodilos discuss the job of the headhunter and what job hunters need to do in this economy to get a great job and advance their careers.

Production Number: S02E04
Segment Number: 43

 

To listen, use the player above (Adobe Flash required), download the podcast here, subscribe to the podcast RSS feed, or use the iTunes link. Note: open links in a new window (Ctrl-click or Command-click) to avoid interrupting the podcast.

[00:00] Introduction from Tom Dziubek
[00:31] Interview with Nick Corcodilos from “Ask the Headhunter”
– [00:51] The job of a headhunter
– [01:32] Assistance with the job search
– [02:47] Bad headhunters’ mistakes
– [04:20] Networking for job seekers
– [06:03] New job search recommendations
– [08:03] Searching for jobs online
– [10:34] Negotiating for a better salary
– [12:01] The current job market
– [13:33] How to Work With Headhunters
[16:18] End

We always welcome feedback from listeners. If you have any comments for this episode or for any other, or if you have suggestions for future episodes, please leave us comments here or email us at podcast at this domain name.

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How to Spend Smarter This Holiday Season

by Kelly Whalen on November 13, 2009

in Consumer

Over the next couple of weeks, six finalists will be auditioning for the opening of “staff writer” at Consumerism Commentary. Each will be providing two guest articles to share with readers. After the six writers have shared their guest articles, readers will have an opportunity to provide feedback before we select the staff writer.

This article is presented by Kelly Whalen, a mostly stay-at-home mom who writes about personal finance at The Centsible Life.

News that the recession may be over has many retailers hoping that American consumers will open their purses and wallets and spend more this holiday season.

Frugality has been popular during the recession, so retailers are targeting your frugal side to make sales. This holiday season will see a rash of new promotions and coupons aimed at your frugal side.

Several retailers are starting to offer “Pre-Black Friday” deals. Amazon.com for instance offered several electronics deals on November 7th. Even upscale retailers such a Pottery Barn are offering more items with free shipping, and a larger selection of sale items to draw more consumers. While many retailers, like Crate & Barrel, have free shipping on purchases over a certain dollar amount. Crate and Barrel’s offer is free shipping on orders over $100 between Oct. 15 and Dec. 22, 2009.

Despite the draw of deals, most Americans will be spending less this year on holiday gift giving. Of those I informally polled, no one said they would be spending more than they had in the past, and the majority of people had 3 methods for reducing spending this year:

  1. Shorten the list: Shopping for fewer people topped the list of ways to reduce holiday spending. Co-workers, hostess gifts, and other small gifts can really add up.
  2. Handmade gifts: Most people will understand your budget is a tight, and would rather have your award winning brownies than $20 worth of too pretty to use speciality soaps.
  3. Smarter spending: The best way to save money this holiday season (and year round) is to spend smart. I’ll share 10 ways you can be giving this holiday season without sacrificing your savings.

10 ways to spend smarter

I’ll share my top 10 ways I shop smarter, which are helpful for the holiday season and beyond.

  1. Make a list whenever you leave the house. Make a list, check it twice, don’t leave home without it!
  2. Use coupons and discounts, but only for things you need. Coupons are a great way to save money, but look for coupon codes or discounts for things that are on your list. You are NOT saving money spending on things that you don’t need.
  3. Create a “sale mail” email account. Set up an email account and sign up for emails from your favorite or most frequently shopped stores. Ignore it unless you are shopping, and check it before you make a purchase.
  4. Plan ahead for big purchases. Use this list as a guideline to find the best time of year to purchase most goods.
  5. Eat before you shop. Pack snacks or a meal if you will be out for a long time. Make sure to pack water as well. This not only saves money when food shopping, but also when you are doing other types of shopping as well!
  6. Choose quality over quantity. Use Consumer Reports, or other reviews to find a product that will last you longer than a cheap one.
  7. Institute a waiting period. Whether it’s a 30 day waiting period for larger purchases or a day long waiting period for small purchases, a waiting period is a great way to control your budget.
  8. Use your budget. Shop within your means. Simple, I know but difficult for some people (including me) to practice.
  9. Look online before you buy. Knowing the price of something online saves you time (no running from store to store), and you can guarantee you’ll know the cheapest price. Many stores offer price matching, so it’s a great incentive to spend 5-10 minutes searching the web.
  10. Don’t be afraid to bargain. Flexo had success bargaining, and saved $85 on a computer. It may seem difficult to do, but it’s worth trying, and could save you a ton of cash.

What’s your holiday budget this year? What ways do you save on holiday shopping?

To keep track of deals online for the holiday season, keep track of current Black Friday Deals at black-friday.net and find out about free shipping day, or find free shipping deals on freeshipping.org.

This is a guest article by Kelly Whalen, one of six finalists interested in being Consumerism Commentary’s staff writer.

Photo credit: stevendepolo

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Federal Reserve Issues New Rules for Overdraft Fees

by Flexo on November 12, 2009

in Banking

With Congress threatening to create new consumer protection agencies to protect the public from customer-unfriendly banking practices, the Federal Reserve stepped in today to prove it is still relevant and involved with banking regulation. The Fed announced that as of July 1, 2010 for new bank accounts or August 15, 2010 for existing accounts, banks must have received permission from their customers before charging overdraft fees.

Overdraft protection will only be an opt-in service. There are some exemptions to this new rule, however. The only type of overdraft protection requiring customers’ consent is the type in which the bank covers the overdraft to cover the debit. If your overdrafts are covered by a linked savings account or credit card, you could still be charged a fee. Usually these fees are lower, such as $5 rather than $35.

Also, only overdrafts caused by transactions with debit cards or ATM cards qualify for opt-in only. If a customer writes a check that causes an overdraft when cashed, the bank is still free to charge an overdraft fee without the account holder’s permission. Banks still argue this overdraft coverage is a benefit that customers want and don’t mind paying the fee. Customers would rather have their rent or utility check go through if it costs $35 to cover the overdraft than to have their check bounce.

According to a recent survey by ING Direct, 24 percent of Americans are angry about overdraft fees. Are you angry? I can’t bring myself to get worked up about these fees, myself; avoiding them is pretty simple:

  • Don’t let your bank account get anywhere close to a zero balance. Always keep a buffer in any account you use for making payments. If you get close to zero, you are much more likely to fall into a bank’s trap, including multiple overdraft fees on the same day.
  • Don’t count on money you deposit into your account actually being there until you confirm that the cash is available. Sometimes check deposits take more than a week to clear, and banks can still pull back the funds for weeks after the deposit if there is a problem.
  • Here are ten tips for avoiding overdraft fees.

Banks will earn almost $40 billion from overdraft fees this year, and you can be sure the industry doesn’t want to see that practically free revenue disappear. When one door closes, another opens. Banks will innovate and find news ways to collect fees. We already see Bank of America planning to charge annual fees to credit card users who pay their balance in full every month. I expect the news will be full of stories about new fees for the next year.

Photo credit: smith
Fed: banks need customer consent on overdraft fees, Associated Press, November 12, 2009

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