personal finance

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on personal finance tips for recent college grads, haggling like a pro to get what you want, and tips to build your savings account.

Top 5

7 Most Important Personal Finance Tips for Recent College Grads — If you are a recent grad, don't forget to start building an emergency fund. [Money Crashers]

Haggle Like a Pro to Get What You Want — To haggle successfully, consider talking to someone higher up. [Savvy Sugar]

5 Tips to Build Your Savings Account — Build your savings account by setting up an auto transfer. [Not Made of Money]

Handling Your Finances - How to Create Wealth — Create wealth by cutting expenses in your budget. [Green Panda Treehouse]

7 Steps to Raise Your Credit Score — Raise your credit score by automizing paying your bills. [Moola Days]

Other Essential Reading

Dinners Your Kindergarten Cook Can Help Prepare — Get your kindergartener involved with dinner by making pizza! [Parenting Squad]

Health Insurance and Downgrading Your Job — If you are thinking about downgrading your job, be sure to plan ahead for your health care needs. [The Simple Dollar]

Ways to Use up Eggs — Do you have eggs in your fridge that are going to go bad soon? Separate the egg yolks and whites and freeze them to use in baking recipes later. [Ultimate Money Blog]

Keep Glass from Fogging Up with Shaving Cream — To get rid of fog on glass, use shaving cream to clean it off! [Lifehacker]

4 Reasons to Avoid Payday Loans — Stay away from payday loans. They could negatively affect your credit score. [Financial Highway]

The SEC took a step forward today to bring its rule book in compliance with the Dodd-Frank financial reform bill. Some financial sectors got off easier than others. Instead of relying on the credit-rating agencies who played a role in that little sub-prime kerfuffle you may remember, money-market funds will now rely on the "judgment" of the funds and the funds' board of directors to assess risk. Freewheeling finance, wheeeee! Large brokers and investment advisers, including hedge funds, didn't fare quite as well. On a 3-to-2 vote, The Wall Street Journal reports that SEC, like the FDIC, approved restrictions on bonuses for that sector from executives down on to lower-level employees.

Wednesday's proposal would require brokers and advisers with more than $1 billion in assets to disclose the bonus arrangements of their executives, directors and lower-level employees to the SEC annually. Bonus arrangements deemed by regulators to encourage inappropriate risks or that could cause financial loss would be banned. As with the FDIC plan, the SEC proposal would require firms with at least $50 billion in assets to hold half of the bonuses of top executives and others for three years or longer.

Transparency and considering about the consequences of high-risk investments? It's like they don't even understand Wall Street at all.

SEC Votes for Bonus-Restriction Rules [WSJ]

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Property owners are determining to remodel rather than market their real estate in today’s market
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