Work That Nest Egg
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From Our Partner
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Sponsored Post
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For many of us, retirement seems so far away that even thinking about all of the choices we should make is overwhelming. You tell yourself there are more pressing matters that need your attention, so this can wait another day, week or even another year. Well, putting retirement savings on the backburner time-after-time will only make it harder in the future.
Secret #1: Get started as soon as possible. Even waiting a few short years to contribute to your retirement could cost you. Check out this Smart401k calculator to see how starting early will help you reach your retirement dreams.
Secret #2: Increase your contribution with each raise, or at least once a year. A one percent increase each year will make a big difference. Check it out.
Secret #3: Get help with your investments. You don’t have to make these decisions by yourself. Services like Smart401k are there to give you fund recommendations based on your individual circumstances. It’s simple, quick and affordable.
Smart401k provides investment advice to almost 11,000 individuals who collectively have assets totaling more than $1.5 billion. Smart401k will examine the funds available in your employer’s retirement plan and create a specific strategy for you—for less than $1 a day.
In addition to the personalized retirement account advice provided, you’ll also have access to the Smart401k team of advisers, regular investment updates and investment education resources.
Please contact our team of advisers at 877.627.8401 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it with your retirement investing questions.
| If you sign up for Smart401k service by May 31, you’ll receive $25 off an annual membership or $5 off a quarterly subscription. Use the discount code DailyWorth at registration to take advantage of this offer. |
Work that nest egg—click here to visit Smart401k.com.
Comments disabled to serve compliance requirements of this sponsor.
Take Interest In Your Credit Card Interest
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From Our Advertiser
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What would you do if you didn’t spend so much on credit card interest?
Save towards a dream vacation, a new tech gadget, or simply more nights on the town? While some of us may have asked ourselves this question, many of us don’t even realize just how much we’re spending.
The average U.S. household spends $1,000 / year on credit card interest.
| Try LifeTuner.org’s I Could tool to calculate just how much you’d make if you stopped paying interest and invested your money instead. And before you use a credit card, make sure you know the rules of the game! |
 LifeTuner.org’s I Could tool. Try it now!
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JOIN US:
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I Could is just one of the many useful tools and tips we have available on our site:
- A Pay Off Credit Cards tool
- Expert tips to keep the finances in order
- A community to share and compare ideas with
Get started now.
Impulsive Savings for Couples
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From Our Partner
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Sponsored Post
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You know that you spend a fortune on small stuff like magazines, coffee, treats at the movies and lunches out. You know you should cut back, and save the money instead, but how? Easy. The way to cut back is to get some love for doing it! From who? The person you share goals with! A new website called piggymojo sets you up.
Here's how it works: When you or your partner cut back on something, take out your phone and text or tweet piggymojo to commit the money you just saved to your common goal. Piggymojo forwards your savings texts, "$6 pie" for example, to your partner—and theirs are forwarded to you. This way, you can see each other cutting back and contributing to the goal you share, whether it's a vacation, an emergency fund, or whatever. That's love!
Each save builds momentum toward your goal and inspires you, so cutting back gets easier for both of you. Before you know it, your savings will pile up.
While other services track your spending, Piggymojo tracks your savings. It's way more fun and leads to more hugs and fewer arguments!
Sign up and get saving together! It's free, fun and easy!
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Got questions about Piggymojo and how it works? Leave a question below —their team is standing by to answer questions. |
Your Friends Are Worthy, Too
You told your friends about the amazing anti-wrinkle cream you discovered. You called your best gal pal when you found the yummy new restaurant that doesn’t break the bank. Now quit hiding your best kept money secret from your entourage: DailyWorth! In celebration of our growing DailyWorth community—now reaching 30,000 women, we are offering you, our beloved readers, a chance at a guilt-free handbag spree from Butler Bag, as soon as you tell your friends about DailyWorth.
Tell all of your ladies. Spread the word about DailyWorth, and for the next two weeks, you’ll be entered for a chance to win one of three $100 gift certificates from Butler Bag, gorgeous handbags that feature built-in sections for your vital stuff (that’s right—no more digging, no more searching!). You can win one for each gal pal you send our way.
We need more women out there taking control of their finances, demanding higher salaries, grasping the sexy side of investing, and boosting their net worth. Keep the conversation going!
Or... Email Worthiness
Another fun way to spread the word(th)? Put a little plug for DailyWorth in your email signature. Something like “Join me at www.dailyworth.com—a free, fun money management email for women” will do. Not sure how to edit your email signature? Check out this.
Have companies you’d like to see in promotions like this? Tell us.
Live Your Best Life with Oprah in NYC
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From Our Partner
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Sponsored Email
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O Magazine Turns 10! May 7-9, 2010
For the last decade, O, The Oprah Magazine—never mind its fabulous founder, the O herself—has transformed how women think about themselves, their lives and their worth.
It's time to celebrate 10 years of extraordinary inspiration, motivation and guidance! Attend this three-day gala event in New York City, sponsored by O and featuring a full day of seminars with O's hottest contributors, including: Suze Orman, Martha Beck and Dr. Oz.
Just Say, "Ooooooo"
The weekend kicks off with a Friday night Welcome bash—but don’t stay out too late, because Saturday is BIG. Not only can you choose three LifeShop seminars to attend (see luminaries above, like Suze), but in between guests will meet and greet O editors and contributors, enjoy mini-makeovers and get a sneak peak at OWN: The Oprah Winfrey Network.
Saturday wraps up at Radio City Music Hall, with a once-in-a-lifetime opportunity to see Oprah live, on stage, and experience first-hand her personal warmth and wisdom.
Join the big finale on Sunday when Oprah and friends will walk to raise money for ten worthy causes.
Bottom Line
Unbelievably, all three days, all those events and opportunities, are available for just $375 per ticket. Visit www.oprah.com/oturns10 and enter Mom25 promo code for a special 25% discount. Order yours now!
And don't forget to tell us if you're coming. DailyWorth in the HOUSE!.
Hobbypreneurs - Incorporate Your Business and Make it Official
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($) dailyworth sponsored post
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Understanding Corporate Structures Should I incorporate or form an LLC? That's the question. Both offer similar benefits, but there are also some key differences that you should understand and consider when choosing the right structure for your business.
CorpNet™ can help.
Founded by entrepreneur Nellie Akalp, CorpNet can help you complete the process saving you time and money with service that is fast, reliable, affordable, and 100% guaranteed. Nelli has helped more than 100,000 small business owners and entrepreneurs get their start.
Here's a brief corporation vs. LLC comparison:
They Have Some Things In Common
- Limited personal liability
Personal assets—homes, cars, savings and investments—are protected in case the business runs into problems. - Ability to raise capital
The business can borrow money and sell equity to raise capital. That's a good thing. - Unlimited duration
Both structures will last as long as the pyramids at Giza, unless they're dissolved.
- Tax flexibility and profit distribution
One advantage of LLCs is that they are not taxed as a separate entity. Business income or losses are reported on the owner's individual tax return. This is similar to an S Corporation, but different from a C Corporation, which is a separate taxable entity. - Corporate structure & formalities
An LLC generally requires fewer corporate formalities than a corporation. LLCs don't have to hold separate meetings for the board of directors or shareholders, or periodic directors meetings with minutes. In other words, it's simplicity without the corporate bureaucracy. - State filings
LLCs do still require state filings, though they're different from those for corporations. Articles of Organization must be filed with the Secretary of State to form an LLC, and the LLC's members must enter into an Operating Agreement that governs how it will be operated. - Number of Owners
Both Corporations and LLCs can have multiple owners, but there are differences in how many. LLCs and C Corporations can have an unlimited number, while S Corporations are limited to 100 Shareholders.
When you're ready to incorporate or form an LLC, CorpNet packages start from just $49 Plus state filing fees. This is substantially lower than what an attorney might charge for the same service. Relative to other online document filing services, CorpNet stands out above the rest.
Call for a free quote 1-888-449-2638, visit www.CorpNet.com or contact Nellie directly at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .
Prepaid Debit Cards - The Perfect Gift Anytime
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($) dailyworth sponsored post
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Wracking your brain to come up with a smart gift for someone in your life? Here’s a little secret: You can give something that’s easy for you and them. A prepaid debit card. Load it up with as much you want, and voilà! They can spend it pretty much wherever they want – until it runs out. Even better, it’s more flexible than a gift card and safer than cash. So who’s on your list for a prepaid debit card?
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Start with a skeptic like Grandma. She’ll love the idea of risk-free online shopping with prepaid debit card. It's insured by the FDIC, so even if her card number is lost or stolen, she’s not responsible for any spending other than her own. |
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The same goes for your sister the shopper. But there’s an added bonus: A prepaid debit card will help her get her swipe-and-sign impulses under control. Once she’s blown the amount on the card, that’s it. And no interest or finance charges (although some fees do apply). |
It makes a great present and it’s super convenient—a prepaid debit card can be used any place that accepts Visa. But unlike a regular debit card, it's not connected to a checking account, so she'll have to budget.
You can even give the Pink debit card to a friend, and a portion of what she spends will go to breast cancer research.
Get a prepaid debit card from ACE Cash Express and discover just how smart and easy gift-giving can be.
Brought to you by ACE Cash Express 2010.
Meet Entrepreneur Nellie Akalp
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($) dailyworth sponsored post
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Meet Nellie Akalp. Mother of three. Law school graduate. Passionate entrepreneur. This is not your typical success story.
First, she started a company, MyCorporation.com, sold to Intuit for serious dough (go girl) in 2005, and took time off. Then last year, she got the itch to do it all over again.
True, there were a few things working against her: the tanking economy, plenty of competition in the online incorporations space, and her own three-year sabbatical. So what? There’s nothing quite as satisfying as a good challenge.
Just 7 months ago, CorpNet.com was born. What drove Nellie to take the leap? Vision, determination, and a desire to help women entrepreneurs.
Her new company, CorpNet, offers online incorporation and legal document filing services. Her past companies combined have been responsible for helping more than one hundred thousand Corporations and LLC's get their start. She educates entrepreneurs and helps them get all of their document filings handled, quickly and affordably. Increasingly, those business owners, breadwinners and entrepreneurs are women. What’s more, with layoffs affecting millions of households, new companies owned and run by women are popping up at a breathtaking rate.
Why Incorporate/Form an LLC?
Got an question for Nellie? Leave it as a comment below. For a free quote, email her at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or call her at 888-449-2638.
Prepaid Debit Cards Beat Credit
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dailyworth sponsored post (?)
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© 2009 DailyWorth
Single(k) – A 401(k) for the One-Person Business
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($) dailyworth sponsored post (?)
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It’s year-end—have you thought about the tax deductions you need to make before rolling into 2010? One way to cut your taxes substantially is to put a retirement plan in place.
65% of small businesses do not have retirement plans* as they believe that these plans are out of reach due to complexity and cost. That’s not true.
Single(k) is simple and affordable – you can have a plan for $175 a year!
Some of the key features that Single(k) offers:
- Option to take out a loan on the 401(k)
- Put away tax-deductible, tax-deferred savings of up to $54,500** a year
- A Roth feature that allows you more tax flexibility
You can also find out more information from our Web site at www.single-k.com.
Brought to you by The Online 401(k). Voted by SF Business Times and Inc magazine as one of the fastest-growing private companies in the Bay Area and in the United States.
* From Employee Benefit Research Institute
** Contribution limit for 2009
Money Coach Training Opportunity
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($) dailyworth sponsored post
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Ready for a change? Consider a career as a money coach. Karen McCall, the pioneer in the field of Financial Recovery sm Counseling, is taking applications now for her upcoming training. What's a Money Coach?
Money coaches help people make sense of their financial lives and teach them how to make smart money choices every day. Interested? Then take a look at the Financial Recovery Institute’s Training Program, and consider the rewards of becoming a money coach. Independence, making money and helping people — all rolled into one career. Makes sense, doesn't it?
As a money coach, you can:
- Guide people through a process for making smart financial decisions
- Work from home — all you need is a computer, a desk and a telephone
- Earn $40,000-$200,000 annually, depending on your experience and whether you want a part-time or a full-time business
- Receive one-on-one mentoring with an experienced Financial Recovery money coach
- Be the boss of your own rewarding career
Learn more about the Financial Recovery Training Program at the Financial Recovery Institute.
MEET 2 OF OUR GRADUATES:
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“Karen's training gave me tools and techniques to effectively and powerfully facilitate dynamic change in people’s financial lives." Danielle Ray, Financial Recovery Counselor & Psychotherapist |
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"As a Financial Recovery Counselor I can earn what I'm worth while helping transform people’s lives." Mikelann Valterra, Financial Recovery Counselor & Director of the Women’s Earning Institute |
{$} Need a Drink? Great Wines Under $20
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dailyworth sponsored post
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Life is too short to drink bad wine. According to wine maven Mark Censits, founder of Princeton-based CoolVines.com, the most important factor in selecting a wine is taste. Unlike most wine stores, Mark only sells wine he's tasted. All wines at CoolVines.com are hand-selected. Here are three recommendations in the $20 and under range:
Short on time? Want someone to choose great wine for you? Try CoolVine's "Theme Pack" case-building tool. Just choose a theme, price, and quantity. Try a Theme Pack.
$13.00 I Stefanini Soave Selece 2008
A simple but delicious table wine.
$20.00 Evening Land Celebration Gamay Noir 2007
Lots of earthiness.
$13.00 Varichon and Clerc Blanc de Blanc NV
Great for starting or accompanying a meal. Oysters anyone?
