Which Investment Companies Should You Open Your Roth IRA With?

By MoneyBlueBook

So you're thinking of opening a Roth IRA account? Congratulations! Although it's only one small step forward in sound financial planning, it's one giant leap towards building your financial future and saving for retirement. By now you've likely settled on which investment retirement account (IRA) vehicle is best for you. There are three major types - Roth IRA, deductible IRA, and the non deductible IRA. All offer tax deferral benefits but the retirement account that is most appropriate for the majority of ordinary individuals and married couples is the Roth IRA. Unlike traditional IRA's (both tax-deductible and non-deductible), Roth IRA's enjoy several great advantages and benefits which make them very attractive for those who want to invest and plan for their future retirement. Here is what every prospective Roth IRA investor and account holder should know:

By MoneyBlueBook

I love roller coasters and visiting amusement parks. Luckily there are several great amusement and water parks near where I live in the Washington D.C. area including Six Flags, Busch Gardens, and King's Dominion. All of the theme parks have wonderful attractions and rides for both children and adults, and feature a wide variety of entertainment performances. Most of the theme parks take at least an entire day to enjoy so do plan ahead. But if you truly want to have a memorable experience, I recommend saving up and planning a vacation trip to the prime destination of them all - Walt Disney World in Orlando, Florida. The last time I went, I was just a little boy but since then the park has made substantial strides with the addition of multiple expansion parks and new rides. Disney World is very expensive (expect to pay $500-$1000 per person) and will require at least 3-4 days to fully enjoy, so it's best left for those rare and special vacation trips.

No Lines And Half Priced Tickets - My Happy Experience At King's Dominion

It doesn't matter which amusement park you visit - if you want to fully maximize your time and money spent, I highly advise you to visit during off-peak season, such as the very start of the park season. Amusement park opening dates and hours vary and are dependent on the climate of where the premises is located. Parks located in sunny Los

By MoneyBlueBook

Updated List Of The Best 0% APR Interest Credit Card Offers Below

Zero percent purchase credit cards are specially suited for credit savvy consumers looking to make free purchases for 12 months or more without having to pay the amount back until the end of the promotional offer period. If you've low on spending cash or find yourself in a temporary financial emergency, 0% purchase credit cards can help you deal with your personal finance expenses until you get back on your feet. In the last few years there have been at least two occasions when I personally needed to depend on 0% card offers to help get me out of a temporary financial jam that lasted a few months. Although I was in good financial shape at the time my liquid spending money was just momentarily tied up in stock investments. So to successfully weather the cash strapped period, I paid off daily living expenses using my newly applied no interest credit card. Hey, it beats relying on pay day loans any day (which I've never had to use, thankfully).

Both 0% Balance Transfer and 0% Purchase Credit Cards Have Pros and Cons

While 0% balance transfer credit cards have gotten more publicity among those seeking debt reduction and among those looking to profit from high yield savings account interest, they usually require more careful management effort to maintain. One top differentiating benefit of using 0% purchase credit cards is to avoid the initial transfer fees associated with many balance transfer cards. For those who want

By MoneyBlueBook

Well a year has passed since I started earning and accumulating Citi ThankYou Reward Points using my squadron of Citibank credit cards, and now it's time to redeem them for some well deserved purchase rewards. I own three of them myself, and here are the top Citibank cards when it comes to earning ThankYou reward points:

By MoneyBlueBook

Well Valentine's Day is here again and it's time to carry out the age old tradition of sending flowers to that special girl in your life. While women today frequently send flowers as well, I think the great majority of gift flowers purchased for Valentine's Day are made by men for their love crush, their girlfriends, or for their wives. Anyway you look at it - women love flowers - the commercially universal symbol of love (that and diamonds). They love to receive them, look at them, show them off to friends and co-workers, and display them on their desks for all to see (I see it all the time). Today, flowers make great presents for any occasion, and they're no longer just for the major holidays and birthdays anymore either.

Since giving flowers during those special holidays is almost a given, for the guys, if you really want to score bonus points, try sending your special lady flowers for no special reason at all - it's even better when she's not expecting them. That will really brighten her day. Not that I am an expert in the flower-sending department or even have that extensive of an experience in wooing girls with flowers, but I've done it before - through both traditional local florists and through online flower delivery services. Both techniques have always yielded great results.

Flowers Are Expensive, But Buying and Sending Them Doesn't Have To Break The Bank

Now one of the biggest gripes with sending flower arrangements as gifts is that they're usually quite

By MoneyBlueBook

Despite what some people may think, many people still visit public libraries - such as myself. Although the societal trend seems to be shifting towards an entirely digital world where the internet dominates the information landscape, traditional brick and mortar library branches still serve their useful purpose.

Other than studying at the school library during college or university, the last time most people were inside their local public library was probably during high school. These days, your local public library branches are a bit different than those that are affiliated with schools. Rather than focusing on academic research type resources, many cater more to community and family needs. Today they offer a wealth of free services that should be part of everyone's everyday frugal living strategy. Instead of buying expensive books, movies, video disks, or audio tapes without sampling first, you should think about test driving them out at the local county or city library before committing.

Here Are Some Free Services Your Local Public Library Likely Provides That You May Or May Not Be Aware Of: