{"id":466,"date":"2012-10-18T12:55:04","date_gmt":"2012-10-18T16:55:04","guid":{"rendered":"https:\/\/www.cashflownavigator.com\/blog\/?p=466"},"modified":"2015-07-16T19:12:44","modified_gmt":"2015-07-16T23:12:44","slug":"cashflownavigator-newsletter-september-2012","status":"publish","type":"post","link":"https:\/\/www.cashflownavigator.com\/blog\/2012\/10\/cashflownavigator-newsletter-september-2012\/","title":{"rendered":"Cashflownavigator Newsletter &#8211; September 2012"},"content":{"rendered":"<p>&nbsp;<\/p>\n<table style=\"background-color: #21689b;\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#21689b\">\n<tbody>\n<tr>\n<td style=\"text-align: left;\" align=\"center\">\n<table id=\"topMessageWrapper\" style=\"background-color: #21689b; color: #333333; font-family: 'Trebuchet MS'; font-size: 12px; width: 600px; margin: 0 auto;\" width=\"600\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\" bgcolor=\"#21689b\">\n<tbody>\n<tr>\n<td>\n<table width=\"600\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"background-color: #ffffff; color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\" bgcolor=\"#ffffff\">\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"background-color: #ffffff; padding: 10px 30px 20px; color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\" valign=\"top\" bgcolor=\"#ffffff\">\n<div style=\"border-color: #c2d9e7;\">\n<table style=\"word-wrap: break-word; table-layout: fixed;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"border-bottom: 2px solid #c7d9e6; padding-bottom: 15px; color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\">\n<p style=\"text-align: center; padding: 0; margin: 0;\"><img loading=\"lazy\" decoding=\"async\" style=\"margin: 0px; border: 0px solid #333333; width: 237px; height: 85px;\" alt=\"\" src=\"http:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/1086502\/210ea3e7b4630a87d35aea73a519f880\/image\/png\" width=\"237\" height=\"85\" \/><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"border-color: #c2d9e7;\">\n<table style=\"word-wrap: break-word; table-layout: fixed;\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\">\n<p style=\"text-align: center; padding: 0; margin: 0;\"><span style=\"text-decoration: underline;\"><span style=\"color: #21689b;\"><span style=\"font-size: 15px;\">In This Issue:<\/span><\/span><\/span><\/p>\n<p style=\"padding: 0; margin: 0;\"><span style=\"color: #21689b;\"><strong>CASHFLOWNAVIGATOR BLOG:<\/strong><\/span><strong> <\/strong>Free Up Cash Flow by Rotating the Use of Your Credit Cards<\/p>\n<p style=\"padding: 0; margin: 0;\"><strong style=\"color: #21689b;\">CASHFLOWNAVIGATOR BLOG: <\/strong>Want to Cut College Costs?\u00a0 Start by Looking at the Biggest Slices<\/p>\n<p style=\"padding: 0; margin: 0;\"><strong><strong><span style=\"color: #21689b;\">GUEST BLOG<\/span>: <\/strong><\/strong>Suze Orman\u2019s Top Four Money Mistakes You Can\u2019t Afford to Make<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"border-color: #c2d9e7; display: block;\">\n<table style=\"word-wrap: break-word; table-layout: fixed;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px; border: 0px none transparent; padding: 0px;\">\n<p style=\"padding: 0; margin: 0;\"><span style=\"font-size: 13px;\"><span style=\"color: #21689b;\"><strong>CASHFLOWNAVIGATOR BLOG: <\/strong><\/span><\/span><strong>Free Up Cash Flow by Rotating the Use of Your Credit Cards<\/strong><\/p>\n<p style=\"padding: 0; margin: 0;\"><em>Give Yourself up to 1 \u00bd Months of Interest-free \u201cFloat\u201d<\/em><\/p>\n<p style=\"padding: 0; margin: 0;\"><img decoding=\"async\" style=\"margin: 20px; border: 0px solid #333333; float: left;\" alt=\"\" src=\"http:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/1086502\/23af3f0458c228769c94df6698c12908\/image\/png\" align=\"left\" \/><\/p>\n<p style=\"padding: 0; margin: 0;\">I once took an accounting course taught by the owner of a retail toy store.\u00a0 From what I recall his demeanor wouldn\u2019t have endeared him to many children (or to many students for that matter), but he did impart some pearls of financial wisdom that I still remember and try to apply when managing my own finances.\u00a0 One was, \u201cA dollar in your pocket today is worth more than a dollar a year from now.\u201d This was his favorite one, and for good reason.\u00a0 You see, a toy store lives or dies based on how effectively its cash flow is managed, because over 50% of annual sales often occur during a 1-month holiday shopping season.\u00a0 So it has to survive the other 11 months on a cash flow diet.<\/p>\n<p style=\"text-align: center; padding: 0; margin: 0;\"><a style=\"color: #21689b;\" href=\"https:\/\/www.cashflownavigator.com\/blog\/?p=449\">Read More<\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"border-color: #c2d9e7;\">\n<table style=\"word-wrap: break-word; table-layout: fixed;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\">\n<p style=\"padding: 0; margin: 0;\"><span style=\"font-size: 13px;\"><span style=\"color: #21689b;\"><strong>SPOTLIGHT ON: <\/strong><\/span><\/span><strong>Your Financial Dashboard<\/strong><\/p>\n<p style=\"padding: 0; margin: 0;\"><img loading=\"lazy\" decoding=\"async\" style=\"width: 230px; height: 146px; margin: 8px; border: 0px solid #333333; float: left;\" alt=\"\" src=\"http:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/1086502\/d1bf860160be101460c8d41a3003ad2a\/image\/png\" width=\"230\" height=\"146\" align=\"left\" \/>Now when you log in to Cashflownavigator you\u2019ll see a dashboard showing your net worth and cash flow totals, and how much ahead or behind you are on your current 80\/20 Goaltracker savings goal.<\/p>\n<p style=\"padding: 0; margin: 0;\">Also, if you haven\u2019t yet completed filling in your 80\/20 Worksheet, the Worksheet Status Bar shows you how much progress you\u2019ve made so far.<\/p>\n<p style=\"padding: 0; margin: 0;\">Want to fill in some more of your Worksheet?\u00a0 Just click the \u201cCreate or Update 80\/20 Worksheet\u201d button at the top of the page.\u00a0 Or if it\u2019s time to update your Goaltracker savings amount, select the \u201cCreate or Update Goaltracker Goal\u201d button.<\/p>\n<p style=\"padding: 0; margin: 0;\">We hope you find this enhancement helpful.\u00a0 As always, we welcome your feedback and ideas to help us improve Cashflownavigator resources.\u00a0 Post your comments on the site or our Facebook page, or email us at <a style=\"color: #21689b;\" href=\"mailto:feedback@cashflownavigator.com?subject=Financial%20Dashboard%20Feedback\">feedback@cashflownavigator.com<\/a>.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"border-color: #c2d9e7;\">\n<table style=\"word-wrap: break-word; table-layout: fixed;\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\">\n<p style=\"padding: 0; margin: 0;\"><span style=\"font-size: 13px;\"><span style=\"color: #21689b;\"><strong>CASHFLOWNAVIGATOR BLOG: <\/strong><\/span><\/span><strong>Want to Cut College Costs? Start by Looking at the Biggest Slices<\/strong><\/p>\n<p style=\"padding: 0; margin: 0;\"><img loading=\"lazy\" decoding=\"async\" style=\"width: 171px; height: 108px; margin: 20px; border: 0px solid #333333; float: left;\" alt=\"\" src=\"http:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/1086502\/f6d30f42ffc0eaf6ad057cf12c2dd59f\/image\/png\" width=\"171\" height=\"108\" align=\"left\" \/><\/p>\n<p style=\"padding: 0; margin: 0;\">It now costs an average of $21,447 a year to attend an in-state public college, and over $42,000 a year for a private college.\u00a0 To make matters worse, these costs are rising rapidly.\u00a0 During the past decade they rose 5.6% per year faster than inflation. (1)\u00a0 That\u2019s a nasty combination, particularly if you\u2019re the one paying the bill.<\/p>\n<p style=\"padding: 0; margin: 0;\">If you\u2019re a student paying your own way this extra cost could jeopardize your ability to get ahead of debt at an early age.\u00a0\u00a0 If you\u2019re a parent paying for your children\u2019s education the additional obligation might set you back on your path to financial freedom, perhaps by years.<\/p>\n<p style=\"padding: 0; margin: 0;\">This expense is too big to accept without looking for ways to reduce it. Here are a few ideas to consider.<\/p>\n<p style=\"text-align: center; padding: 0; margin: 0;\"><a style=\"color: #21689b;\" href=\"https:\/\/www.cashflownavigator.com\/blog\/2012\/09\/want-to-cut-college-costs-start-by-looking-at-the-biggest-slices\/\">Read More<\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"border-color: #c2d9e7;\">\n<table style=\"word-wrap: break-word; table-layout: fixed;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\">\n<p style=\"padding: 0; margin: 0;\"><span style=\"font-size: 13px;\"><span style=\"color: #21689b;\"><strong>GUEST BLOG: <\/strong><\/span><\/span><strong>Suze Orman\u2019s Top Four Money Mistakes You Can\u2019t Afford to Make<\/strong><\/p>\n<p style=\"padding: 0; margin: 0;\"><img loading=\"lazy\" decoding=\"async\" style=\"width: 111px; height: 120px; margin: 27px; border: 0px solid #333333; float: left;\" alt=\"\" src=\"http:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/1086502\/453046262ceb980bbd0ce27d2c0ea199\/image\/jpeg\" width=\"111\" height=\"120\" align=\"left\" \/><\/p>\n<p style=\"padding: 0; margin: 0;\">In a recent episode of <em>America\u2019s Money Class with Suze Orman\u00a0<\/em>she reveals four financial mistakes that could haunt you forever. \u00a0She explains what\u00a0<em>not<\/em>\u00a0to do when it comes to mortgages, student loans, debit cards and short-term investing. \u00a0Here\u2019s a closer look.<\/p>\n<p style=\"text-align: center; padding: 0; margin: 0;\"><a style=\"color: #21689b;\" href=\"https:\/\/www.cashflownavigator.com\/blog\/?p=454\">Read More<\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\">\n<table width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\" valign=\"top\">\n<div>\n<table style=\"word-wrap: break-word; table-layout: fixed;\" width=\"100%\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"background-color: #d3e1eb; padding-left: 30px; padding-right: 30px; padding-top: 20px; color: #333333; font-family: 'Trebuchet MS'; font-size: 12px;\" bgcolor=\"#d3e1eb\">\n<p style=\"padding: 0; margin: 0;\">Check out these and other great articles on our <a style=\"color: #21689b;\" href=\"http:\/\/www.facebook.com\/cashflownavigator\">Facebook<\/a> page!<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; In This Issue: CASHFLOWNAVIGATOR BLOG: Free Up Cash Flow by Rotating the Use of Your Credit Cards CASHFLOWNAVIGATOR BLOG: Want to Cut College Costs?\u00a0 Start by Looking at the Biggest Slices GUEST BLOG: Suze Orman\u2019s Top Four Money Mistakes You Can\u2019t Afford to Make CASHFLOWNAVIGATOR BLOG: Free Up Cash Flow by Rotating the Use [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[24,92,53,25,23,91],"class_list":["post-466","post","type-post","status-publish","format-standard","hentry","category-newsletters","tag-cash-flow-2","tag-cash-flow-navigator","tag-cashflownavigator","tag-financial-independence-2","tag-financial-life-cycle-2","tag-keith-whelan"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/posts\/466","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/comments?post=466"}],"version-history":[{"count":14,"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/posts\/466\/revisions"}],"predecessor-version":[{"id":476,"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/posts\/466\/revisions\/476"}],"wp:attachment":[{"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/media?parent=466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/categories?post=466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cashflownavigator.com\/blog\/wp-json\/wp\/v2\/tags?post=466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}