3 Steps To Get Through Christmas Shopping Crunch Time

Posted by Brock | December 17, 2014.


Image courtesy of photostock at FreeDigitalPhotos.net

With about a week left before Christmas,we have officially entered crunch time for those of us that have not finished our shopping. It’s not so much that I haven’t executed my gift buying plan for my immediate family to perfection, because I have. I am literally just waiting for all the packages to show up on my front doorstep.

However, this is the time when I realize everything I had forgotten. We’re getting together with my parents, brother and his family on Christmas Day which means a gift exchange. What about teachers, bus drivers, mail carriers, and exactly what are the plans to get together with my wife’s family again? It’s that time when you’re tempted to close your eyes, throw your budget to the wind and just plow through the next few weeks and worry about damage control when the calendar flips to January.

My advice is simple: Don’t do it.

Take a deep breath, slow your roll, and don’t panic. Follow these three easy steps, and you’ll be in great shape.

  1. Make a List: Before I started my Christmas shopping I had made a list of people and gifts. Ok, so I’ve discovered that it was incomplete. It’s time to sit down and make a new plan for what is left including who you have to buy for yet, what you’re buying, and how much it’s going to cost.

How I’m Using Jeans To Teach My Son About Finances

Posted by Brock | December 15, 2014.


Image courtesy of John Kasawa at FreeDigitalPhotos.net

My son is extremely picky about his jeans. I dread going shopping for new jeans with him, because he will pick out, try on, and approve jeans, but then decide somewhere down the road that he no longer likes them. One year I simply gave up and he wore shorts and warm up pants through the entirety of a Midwest Winter.

This year, I thought we finally had found the solution. While shopping in August, we had a very frank discussion regarding brand names, and what jeans he preferred. As an adult that cares nothing about brand names I find it a waste of money. But I do remember the pressures and difficulty of fitting in as a high school student, so I figured I’d cut him some slack.

We purchased five pairs of jeans from Aeropostale, two different styles. He had seen both styles in the store, but they didn’t have his size so we ordered them online. When they arrived, I had them try them on. I purposefully made a huge deal about it.

“Do they all fit?” I asked.

“Yes,” he responded.

“Do you like every pair?” I asked.

“Yes,” he responded.

“They are all approved?” I asked.

“Yes,” he responded.

“You’ll wear all of them?” I asked.

“YES!” he responded, rolling his eyes.

How to Find Overstock Promo Codes and Save at Overstock.com

Posted by James | December 15, 2014.

Shopping at Overstock.com is always a great experience, as they offer the finest quality of products at the lowest prices. Can you imagine even further discounts on those products to get you the cheapest deal possible? Well, look no further! We present to you Overstock coupons- an array of discounts and promotional deals to help you get what you need, with maximum savings. We have over 25 promo codes with a new offer every single day. You can combine the coupon deals along with the already existing sales on Overstock.com and drive prices lower than ever. You can also save using the Free Shipping Codes that will help you get your order delivered at your very doorstep, absolutely free! Don’t forget to check out the promotional codes for first time users. You will not be disappointed!

Using Overstock Coupons

You can redeem the coupons available for Overstock.com by following a few simple steps.

  1. Check the available coupons by either entering “Overstock” in the search bar of ChameleonJohn.com or by clicking on the Overstock coupon page.
  2. Select the deal that best suits your requirement and click “Get Deal”. The coupon code will get displayed on the screen, which you can then copy.
  3. At the time of “Checkout” during your purchase on Overstock.com, enter the coupon code in the “Promotion Code Box” of the Billing Section.
  4. The discount amount will automatically get deducted from your final bill amount and be displayed on the screen.


Clever Posts Of The Week – December 12th

Posted by Brock | December 12, 2014.

Happy Fa, La, La, La, Friday my Clever Friends. I’m fully in the Christmas spirit and have been taking some nice bites out of my shopping.  All online of course as per my shopping challenge.  Here are the things that I purchased this week (shhhhh, nobody tell my family this is online!):

  • Pendant and Necklace with Swarovski crystal Elements for my wife through something called SweetJack – which kind of a groupon, deal site.
  • SnuggBuds earbuds for my son
  • Computer Desk from Ikea

I’ve got more ideas and more ordering to do this weekend! I have yet to step into a brick and mortar store for my shopping.  Maybe that’s why I’m in such a great mood?

Speaking of greatness, here are my favorite posts of the week.  Maybe they will get you in a money saving mood for your gift shopping. May the odds be forever in your favor!

  1. At What Age Should You Think about Retirement Planning? from Money Rebound
  2. 7 Great Gifts For Frugal Weirdos from FrugalWoods
  3. Why Use Cash? from Prairie Eco Thrifter
  4. Tips To Avoid Debt When Holiday Shopping from Money Smart Guides
  5. If You Lost Your Job Tomorrow, Would You Survive Financially? from Modest Money



The Pros and Cons of Careers that Really Matter

Posted by Clever Dude | December 11, 2014.

doctor-handThere are two types of jobs: the ones that matter, and the ones that don’t.

The jobs that don’t matter tend to be easy to get and easy to keep. They require no particular area of expertise. The performance of such jobs has no great impact on the world at large, and no lasting effects on people whether or not the job is done well or poorly. You can do the job or not do the job. In short, the job simply doesn’t matter.

That can be a very good type of job for the majority of people. They can be gainfully employed for eight hours a day, draw a living wage, and not worry about who’s life they ruined by what they did or didn’t do that day. Come to think of it, that sound pretty good. Sign me up.

Conversely, there are the jobs that matter. If you choose that kind of career path, here is just a little of what you have to look forward to:

  • Years of Prep
  • Long Hours
  • Work/Family Balance Issues
  • Sleepless Nights Mulling the Life and Death Decisions You had to Make

You can see how this list plays out by taking a brief look at a few of the jobs that really matter to society. Here are some examples:

3 Rules to Follow When Investing in Peer Loans

Posted by James | December 11, 2014.

rules for investing in peer loans

Photo Credit

Hey guys! Today we’re happy to have a guest post by Joseph Hogue, CFA. Enjoy!

Growth in peer lending as a source of borrowing this year has only been eclipsed by its growth as the new asset class for investors. It took peer lending platform Prosper nearly a decade to originate its first $1 billion in loans. It originated its second $1 billion in just six months this year. Institutional and regular investors have rushed in to enjoy portfolio returns upwards of 10% on a diversified mix of loans.

I get calls and emails frequently from new investors wondering about the risks in peer lending. Memories of the subprime bubble are still fresh in their mind and they are understandably skeptical. Asked about what rules they should remember when investing in peer loans, I reply:

  • Understand diversification and how many loans you need
  • Understand your own tolerance for risk and need for return
  • Understand that peer loans are not a get-rich-quick investment

I’m guessing that your reaction is probably similar to those I get from other investors, “But those are the same rules to follow in any investment.”

Despite its novelty, investing in online loans is really no different than doing so in other asset classes like stocks and bonds. Following these three simple rules will go a long way to making your investment in peer loans a success and in helping you reach your financial goals.