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Morgan Logan, D's Toy...My Life

http://www.MorganLogan1971.com

My Life as a mom, a Catholic, a wife, and a submissive sex toy.

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Personal news

Savings from tax cut can add up, if you plan it right

What should a family do with an extra $54 a paycheck? If your household earns $70,000 a year, you can expect an extra $1,400 next year, and you shouldn't fritter it away.

Could mortgage rates drop below 4 percent?

Mortgage rates have hit another all-time low, at nearly 4 percent, and the declines are so drastic that you've got to wonder: Could interest rates that start with a 3 be on the way? Homeowners have been jumping on the rates just over 4 percent for weeks, particularly to refinance existing loans.

Return on Wall Street bailout beats Treasury bonds

NEW YORK - The government's bailout of financial firms through the Troubled Asset Relief Program provided taxpayers with higher returns than yields paid on 30-year Treasury bonds -- enough money to fund the Securities and Exchange Commission for the next two decades.

Free boxes for moving are readily available: Penny Pinch

Moving? Here are some great sources of free boxes.

Best online sites for coupons, discount codes: Penny Pinch

Here are some of the best sites to find coupons and codes for online shopping discounts, according to MakeUseOf.com.

A nice profit, made in China: The PD vs. The Pro

The Pro blew me away this week. His picks from the Chinese stock market -- a solar panel maker and an online jobs site -- jumped 17.3 percent and 21 percent, respectively, earning a tidy $2,800 for his virtual wallet.

Loophole in credit card law leads to late payment fee: Money Matters

I thought the new federal law on credit card payments said companies couldn't require payments to be due on weekends or holidays and then charge a late fee if the payment wasn't made. My most recent Visa payment was due on Sept. 4 -- a Saturday. It was received by the company on Sept. 7 -- a Tuesday -- because of the Labor Day weekend. They hit me with a $35 late fee. How do I fight this?

Federal student loans cut out private banks: Ask the Expert

I'm hearing that federal student loans are no longer available through banks. What is the difference between federal student loans and private ones? Which is best?

How to extend the life of your hair dryer: Penny Pinch

To keep your hair dryer running longer, periodically clean dust from the vent. Press the end of a vacuum cleaner hose to the vent to suck out dust and debris.

Huntington Bank to offer one-day grace period on checking overdraft fees

Huntington Bank on Monday will become the first major bank in the nation to offer a one-day grace period on overdraft fees. The move comes as retail banks -- long disdained for their love of fees -- are starting to offer consumers more ways to avoid costly charges.

Postdating a check doesn't mean it can't be cashed earlier: Money Matters

I recently sent in my rent check early, as I usually do, with the date on the check reading Sept. 1. The check was cashed by my landlord at his bank (Dollar Bank), and my own bank (Key) on Aug. 26, despite the Sept. 1 date clearly written on the check. I was hit with $380 worth of overdraft fees. Key and my landlord both said, "Too bad."

Deciding when to start collecting Social Security: Ask the Expert

I'm 53 and was recently laid off from my job. I had been there 33 years, so I am drawing a pension. When can I start collecting Social Security? Should I start getting it as soon as I'm eligible? What's the conventional wisdom on this?

September is a good time to find seasonal deals: Penny Pinch

If you're looking for bargains during September, you're likely to find seasonal deals on major appliances, automobiles, patio furniture, grills and grill supplies, laptop computers and nursery plants.

Consumers cut back on credit card use once again

Consumer borrowing fell again in July as households cut back on their credit card use for a 23rd consecutive month, adding more drag on an economy struggling to mount a sustained rebound.

Mortgage applications fall 1.5 percent as rates inch up

Applications for home loans dipped last week as mortgage rates ticked up slightly from the lowest level in decades.

Signs that the market is recovering: The PD vs. The Pro

The Pro and I got a bit of a bounce this week, thanks to some good news in manufacturing and other sectors.

Pay down your highest-rate loan first: Money Matters

My wife and I are moving and don't want to have the post office use its "address change service" to automatically notify businesses of our new address. The post office says they cannot forward my mail unless they also do the notifications. Does this sound right to you?

Stocks don't have to be part of a retirement plan: Ask the Expert

Since the stock market is pretty much where it was in 1999, I'm having difficulty convincing my husband that we should be putting money away toward retirement. He knows you can't time the market; he doesn't mind missing some of the upside. He just wants to wait. We're in our late 30s. What can I tell him to sway him?

With these sandwich choices, a cheap lunch is in the bag: Penny Pinch

School is back in session, and economical brown-bag lunches are in order.

With older cars and fewer places to fix them, Northeast Ohio is in repair shops' growth plans

Frugal Northeast Ohioans are holding on to their cars longer, and the number of places to get those cars serviced is falling. Those two trends have auto service companies looking to grow in the region.

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