My Broken Coin A Spender's Point of View on Personal Finance

How to Save Money on Christmas Lights

Posted by Aloysa on April 16th, 2013

For many households, a Christmas light display is one of those yearly traditions that can eat into the holiday budget. However, for those who don’t want to give up their lights, there are a lot of different ways to save when it comes time to flip the switch and show everyone that your family is really into the Christmas spirit. Click here for a great resource for cheap Christmas lights!

1. Get Your Lights Early… Really Early

If someone knows that they and their family are going to be putting up a bit Christmas light display, there’s no reason to wait until(…)

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What You Need to Know When Borrowing Money

Posted by Aloysa on April 10th, 2013

As the saying goes, when it comes to money, there are friends, family and fools. That said, it’s important to understand that borrowing money is serious whether you are asking a friend for a favor or if you are going to the bank to get a loan. US consumer debt is hovering around over $11 trillion per year. If you need to borrow money, be aware that debt is a by-product but as long as you are informed, you can borrow money and pay it back. Make use of these tips when you are planning to borrow money:

Stick to a repayment schedule:(…)

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Foreign Bank Accounts Explained

Posted by Aloysa on March 28th, 2013

Foreign bank accounts are additions to many people who have asset protection plans. There are some protected funds available in the United States. People who create these accounts know that there are a few ways that a judgement creditor can learn about an offshore account. The creditor could review a financial statement and the person’s tax returns.

You must take proper care of the offshore savings accounts so that the assets are not on the balance sheet. The offshore account should not be in the name of the person who created the account. You have to minimize the exposure to creditors,(…)

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The TraderConnect Social Platform – Changing the World of Investment

Posted by Aloysa on March 27th, 2013

When you consider the world of investment, it is easy to perceive an environment driven by greed, selfishness and isolation. After all, the reason why traders invest in the financial markets is to make a profit, and earn enough income to either support or supplement their lifestyle. The notion that traders would collaborate and share information seems fanciful in the extreme, especially when you consider the wider economic circumstances.

Why the TraderConnect Platform is Set to Alter the Course of Investment

With this is mind, it may come as something of a surprise that brokerage firm Alpari have unveiled an innovative social(…)

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Best Credit Cards For Traveling

Posted by Aloysa on March 25th, 2013

When traveling these days most people want to make sure of two things. First, they do not want to carry a lot of cash making themselves vulnerable to theft and maybe even personal harm. Secondly, they want to know that the credit card they choose to carry reaps them the best rewards.
Hotel Vs. Airline Rewards, That’s The Question!
A large number of hotel chains and airlines offer their own rewards program along with a credit card that helps customers to realize the gains from using their program. So, for anyone who prefers to use one certain airline or stay in one(…)

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Best High Yield Online Savings Accounts

Posted by Aloysa on March 18th, 2013

What on earth did we do before online banking? With so many options, it can be confusing to know where to start. Before you sign up for the first online bank that you see, make sure offer a high yield on your savings account. Here are 6 online banks that have good rates for online savings accounts.
Capital One 360

ING Direct was one of the first high yield online savings accounts, and now it has merged with Capital One to form the high yield online savings account Capital One 360. With a current annual percentage yield of 0.75%, the Capital One(…)

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How to Read the USD EUR Forex Chart

Posted by Aloysa on March 12th, 2013

The EURUSD Chart is one of the most popular for foreign currency exchange. These currencies are used the most in global commerce. The EUR USD Forex Chart is the ratio of the value between the two currencies.

A Brief History of United States Dollar

The Dollar goes back to 1750 Prussia (Germany) when it was called the “thaler” (meaning hill). It really gained prominence under the Spanish Empire when it was nicknamed “Pieces of Eight.” These formed the backbone of the present international monetary system.

History of the Euro

After World War II, the Americans and British controlled Western Europe. Gradually, European countries attempted(…)

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Pros and Cons of Cheap Car Insurance

Posted by Aloysa on March 7th, 2013

If you’re getting ready to purchase a new car, congratulations! Enjoy that new car smell and the excitement that comes with driving it off the lot. But before you sign on the dotted line and drive off on that epic trip into the sunset, you’ll need to take care of one more vital consideration: Car insurance.

While there are a myriad of options at your disposal, not all types of car insurance policies are created equal. There are as many traditional brick and mortar agencies and online conglomerates as there are expensive and cheap car insurance policy options, so choosing the(…)

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