Monday, October 11, 2010

personal finance


Exclusive: Joe Miller Failed To File Personal Finance Disclosure As Required By Law, Could Face $50,000 Fine


Sarah Palin-backed Republican Senate candidate Joe Miller (R-AK), who defeated incumbent Sen. Lisa Murkowski (R-AK) in the primary in August, skyrocketed to power partially by demanding more transparency and ethics in Washington. In his 12-point campaign promise, Miller says he will “end czar layer of government” that “clouds transparency in government.” Miller’s campaign endorsement page features Alaskans praising him for having higher ethics and a greater commitment to transparency.


However, ThinkProgress contacted the Senate Ethics Committee and the Senate Office of Public Records yesterday and discovered that Miller has not filed a personal finance disclosure as a candidate for the U.S. Senate, as required by law. According to Title I of the Ethics in Government Act of 1978 and Senate Rule 41.1, candidates for U.S. Senate must file a disclosure form within 30 days of raising or spending $5,000. According to the Federal Elections Committee, Miller raised well over $5,000 as early as April of this year. Asked again today by ThinkProgress if Miller has filed his personal finance disclosure, or has contacted the Senate Office of Public Records with any request for an extension to file, a staffer with the Office responded:


“We haven’t received anything from him. He hasn’t sent us anything.”


According to law, “failure to file or report information required to be reported by section 102 of the Act may subject” Miller — a Yale Law School graduate — to a “civil penalty of not more than $50,000 and to disciplinary action by the Select Committee on Ethics and/or any other appropriate authority.” As of today, Miller is at least five months late with his disclosures.


It’s not the first time Miller has faced ethical issues. As the Associated Press reported yesterday, Miller received a special low-income hunting and fishing license shortly after joining a law firm making about $70,000 a year. Although he claims he received the license lawfully, his opponent blasted him for “gaming the system.”


ThinkProgress reached out to several members of the Miller campaign team for comment. They have not yet provided a response, but we will post an update if they do.




Your Money: The Missing Manual




This is the best user-guide to personal finance I've found, and I've probably read them all. It is certainly the sanest and most level-headed. There are no get rich quick schemes here, just plenty of ways to get rich slowly. Indeed, Get Rich Slowly was the name of author's very popular personal finance blog, which led to this book. J.D. Roth takes the great investing advice of Andrew Tobias in The Only Investment Guide You'll Ever Need, and he summarizes the life-earning wisdom in the previously reviewed (and still recommended) book Five Rituals of Wealth and he includes the needed crystalization of priorities found in Your Money or Your Life, and financial motivations from Suze Orman and the Millionaire Next Door and then adds key insights and tips from hundreds of other lesser-known money gurus.



Basically, Roth has read every book and blog on money managing, investing, saving, and earning and digests and integrates all this hard-won knowledge into an amazing selection of smart, practical ideas for today. I could hardly turn a page without learning a solid investing tip or two, or a clever way to save a few hundred dollars, or an example of something I already knew, but was looking for a vivid way to teach my kids. I like the fact that Roth emphasizes the value of sharing whatever wealth you have, and keeps returning to the long view.



I would not call this an inspirational book (plenty of those on the shelves), nor even a memorable book like the ones mentioned above. Rather it is what is advertised: a day-to-day operating manual for your money. Specific details, sources, methods, tricks. Dip into it when you are stuck, check it before trying something new, re-read it when you think you know it all. I've done pretty well financially, and if you were to ask me my practical advice -- like what to do tomorrow -- I would simply give you this book. It's slow, but true.



"Your Money: The Missing Manual," by J.D. Roth (2010, 336 pages)

$15 from Amazon.



Read excerpts and comment on this at Cool Tools. Submit a tool.



eric seiger

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


eric seiger

Exclusive: Joe Miller Failed To File Personal Finance Disclosure As Required By Law, Could Face $50,000 Fine


Sarah Palin-backed Republican Senate candidate Joe Miller (R-AK), who defeated incumbent Sen. Lisa Murkowski (R-AK) in the primary in August, skyrocketed to power partially by demanding more transparency and ethics in Washington. In his 12-point campaign promise, Miller says he will “end czar layer of government” that “clouds transparency in government.” Miller’s campaign endorsement page features Alaskans praising him for having higher ethics and a greater commitment to transparency.


However, ThinkProgress contacted the Senate Ethics Committee and the Senate Office of Public Records yesterday and discovered that Miller has not filed a personal finance disclosure as a candidate for the U.S. Senate, as required by law. According to Title I of the Ethics in Government Act of 1978 and Senate Rule 41.1, candidates for U.S. Senate must file a disclosure form within 30 days of raising or spending $5,000. According to the Federal Elections Committee, Miller raised well over $5,000 as early as April of this year. Asked again today by ThinkProgress if Miller has filed his personal finance disclosure, or has contacted the Senate Office of Public Records with any request for an extension to file, a staffer with the Office responded:


“We haven’t received anything from him. He hasn’t sent us anything.”


According to law, “failure to file or report information required to be reported by section 102 of the Act may subject” Miller — a Yale Law School graduate — to a “civil penalty of not more than $50,000 and to disciplinary action by the Select Committee on Ethics and/or any other appropriate authority.” As of today, Miller is at least five months late with his disclosures.


It’s not the first time Miller has faced ethical issues. As the Associated Press reported yesterday, Miller received a special low-income hunting and fishing license shortly after joining a law firm making about $70,000 a year. Although he claims he received the license lawfully, his opponent blasted him for “gaming the system.”


ThinkProgress reached out to several members of the Miller campaign team for comment. They have not yet provided a response, but we will post an update if they do.




Your Money: The Missing Manual




This is the best user-guide to personal finance I've found, and I've probably read them all. It is certainly the sanest and most level-headed. There are no get rich quick schemes here, just plenty of ways to get rich slowly. Indeed, Get Rich Slowly was the name of author's very popular personal finance blog, which led to this book. J.D. Roth takes the great investing advice of Andrew Tobias in The Only Investment Guide You'll Ever Need, and he summarizes the life-earning wisdom in the previously reviewed (and still recommended) book Five Rituals of Wealth and he includes the needed crystalization of priorities found in Your Money or Your Life, and financial motivations from Suze Orman and the Millionaire Next Door and then adds key insights and tips from hundreds of other lesser-known money gurus.



Basically, Roth has read every book and blog on money managing, investing, saving, and earning and digests and integrates all this hard-won knowledge into an amazing selection of smart, practical ideas for today. I could hardly turn a page without learning a solid investing tip or two, or a clever way to save a few hundred dollars, or an example of something I already knew, but was looking for a vivid way to teach my kids. I like the fact that Roth emphasizes the value of sharing whatever wealth you have, and keeps returning to the long view.



I would not call this an inspirational book (plenty of those on the shelves), nor even a memorable book like the ones mentioned above. Rather it is what is advertised: a day-to-day operating manual for your money. Specific details, sources, methods, tricks. Dip into it when you are stuck, check it before trying something new, re-read it when you think you know it all. I've done pretty well financially, and if you were to ask me my practical advice -- like what to do tomorrow -- I would simply give you this book. It's slow, but true.



"Your Money: The Missing Manual," by J.D. Roth (2010, 336 pages)

$15 from Amazon.



Read excerpts and comment on this at Cool Tools. Submit a tool.



eric seiger

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


eric seiger

eric seiger

Bobby &amp; Andrew Lead the Personal Finance Training by SFV Jaycees


eric seiger

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


eric seiger

Exclusive: Joe Miller Failed To File Personal Finance Disclosure As Required By Law, Could Face $50,000 Fine


Sarah Palin-backed Republican Senate candidate Joe Miller (R-AK), who defeated incumbent Sen. Lisa Murkowski (R-AK) in the primary in August, skyrocketed to power partially by demanding more transparency and ethics in Washington. In his 12-point campaign promise, Miller says he will “end czar layer of government” that “clouds transparency in government.” Miller’s campaign endorsement page features Alaskans praising him for having higher ethics and a greater commitment to transparency.


However, ThinkProgress contacted the Senate Ethics Committee and the Senate Office of Public Records yesterday and discovered that Miller has not filed a personal finance disclosure as a candidate for the U.S. Senate, as required by law. According to Title I of the Ethics in Government Act of 1978 and Senate Rule 41.1, candidates for U.S. Senate must file a disclosure form within 30 days of raising or spending $5,000. According to the Federal Elections Committee, Miller raised well over $5,000 as early as April of this year. Asked again today by ThinkProgress if Miller has filed his personal finance disclosure, or has contacted the Senate Office of Public Records with any request for an extension to file, a staffer with the Office responded:


“We haven’t received anything from him. He hasn’t sent us anything.”


According to law, “failure to file or report information required to be reported by section 102 of the Act may subject” Miller — a Yale Law School graduate — to a “civil penalty of not more than $50,000 and to disciplinary action by the Select Committee on Ethics and/or any other appropriate authority.” As of today, Miller is at least five months late with his disclosures.


It’s not the first time Miller has faced ethical issues. As the Associated Press reported yesterday, Miller received a special low-income hunting and fishing license shortly after joining a law firm making about $70,000 a year. Although he claims he received the license lawfully, his opponent blasted him for “gaming the system.”


ThinkProgress reached out to several members of the Miller campaign team for comment. They have not yet provided a response, but we will post an update if they do.




Your Money: The Missing Manual




This is the best user-guide to personal finance I've found, and I've probably read them all. It is certainly the sanest and most level-headed. There are no get rich quick schemes here, just plenty of ways to get rich slowly. Indeed, Get Rich Slowly was the name of author's very popular personal finance blog, which led to this book. J.D. Roth takes the great investing advice of Andrew Tobias in The Only Investment Guide You'll Ever Need, and he summarizes the life-earning wisdom in the previously reviewed (and still recommended) book Five Rituals of Wealth and he includes the needed crystalization of priorities found in Your Money or Your Life, and financial motivations from Suze Orman and the Millionaire Next Door and then adds key insights and tips from hundreds of other lesser-known money gurus.



Basically, Roth has read every book and blog on money managing, investing, saving, and earning and digests and integrates all this hard-won knowledge into an amazing selection of smart, practical ideas for today. I could hardly turn a page without learning a solid investing tip or two, or a clever way to save a few hundred dollars, or an example of something I already knew, but was looking for a vivid way to teach my kids. I like the fact that Roth emphasizes the value of sharing whatever wealth you have, and keeps returning to the long view.



I would not call this an inspirational book (plenty of those on the shelves), nor even a memorable book like the ones mentioned above. Rather it is what is advertised: a day-to-day operating manual for your money. Specific details, sources, methods, tricks. Dip into it when you are stuck, check it before trying something new, re-read it when you think you know it all. I've done pretty well financially, and if you were to ask me my practical advice -- like what to do tomorrow -- I would simply give you this book. It's slow, but true.



"Your Money: The Missing Manual," by J.D. Roth (2010, 336 pages)

$15 from Amazon.



Read excerpts and comment on this at Cool Tools. Submit a tool.



eric seiger

Bobby &amp; Andrew Lead the Personal Finance Training by SFV Jaycees


eric seiger

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


eric seiger

Bobby &amp; Andrew Lead the Personal Finance Training by SFV Jaycees


eric seiger

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


eric seiger

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


eric seiger

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


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Bobby &amp; Andrew Lead the Personal Finance Training by SFV Jaycees


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The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


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If you have a lot of trouble managing your personal finances, then you most certainly need help. Finding this help can often be difficult because everyone has got their own opinion on such things. Luckily there are great deals of websites out there that provide free financial advice. These websites can help you with everything from the stock market, to finding good deals on normally expensive products.

www.econothrift.com is the first website I'll be reviewing today. This website has sections to encompass almost everything that you need in order to get your lifestyle headed in the right direction. It has a section about health, and is one of the only websites that I have reviewed to mention the famous phrase, "being healthy" is the first stage of being wealthy.

www.fivecentnickel.com is the second website that I will be reviewing. It has been around for quite some time and provides a lot of information on credit card offers that could end up saving you money. Unlike Econothrift.com, this website only provides articles about articles that are directly related to the financial world. This means bank failures, credit card tricks, and even mortgage information.

www.getrichslowly.org is a great resource for learning about how to become financial responsible as well. This website is unique because it details one person's journey down the road to financial independence. This website consistently has anecdotes about how the story at hand relates to the author's lifestyle.

Although not a personal finance website per se, freakonomics.blogs.nytimes.com offers a great deal of sound financial advice. This is the blog that the author of renowned book, Freakonomics maintains regularly. I think it makes a great deal of sense how almost everything can be thought of economically, and thinking of things economically has led me to a more financially sound lifestyle.

www.lifehacker.com, like the first website mentioned, goes into a great amount of detail in describing a lot of different aspects about living a healthy lifestyle. Lifehacker tells its readers about how they can become more efficient, and save money as an end result of the efficiency.

All of these websites are great tools as sources of personal finance information, but no single website is a definitive outlet of financial information. I have found the best strategy to be to read each of these websites on a weekly basis in order to be able to form better opinions myself about a variety of financial matters.



big seminar 14

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


big seminar 14

The Week Ahead in Health Care <b>News</b> - NYTimes.com

Politicians are campaigning on their health care votes. The Brookings Institution is holding a public forum on ensuring patient access to effective information about prescription medicines.

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Good <b>news</b> for European shoppers as Amazon.co.uk cuts delivery fees

A year ago, Amazon.co.uk introduced free delivery for orders in Ireland, the first country outside the UK where shoppers could benefit from the ...


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