Sometimes, when you look at that big, muddled abyss of spending lumped together on your bank statement, it feels like you have no real grasp on the money you're spending. Some people might rely on their judgment to tell them how to manage their money, but Mint.com offers a way to visualize your spending. So maybe your judgment should wait until after it sees how much you spent in the last month on that large caramel frappuccino.

Just enter your bank accounts and credit card accounts, and it keeps you up to speed with your spending. For example, if you enter your Bank of America online banking username and password, it uploads your entire spending history from Bank of America onto its system and proceeds to organize it. It tells you your spending habits and categorizes where your money is going. It will even show your spending at say, VONS, and pit it alongside the U.S. average at VONS, giving you a way to gauge how you're doing in relation to the nation.

You can search for trends in your spending in the past month, past three months, or if you want to get really depressed, for all time. After all this comes the fun part, where it shows you the best ways for you to save your money. That's the goal, right?

It also boasts an alert system and will call you out on spending $747 on Food & Dining in the past four days. Others alert you as to when you have your next credit card payment and when your purchases have cleared.

It says signing up is easy, but it's ridiculously easy. Take 10 seconds to sign up

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Student loans remain one of the best methods to help families cover the cost of a higher education. Several Web sites offer a range of information about student loan programs.

For anyone on the look out for college financing, one of the following sites could prove useful:

Department of Education
Provides details about federal student aid programs.

FinAid
Contains information on different education funding avenues, public and private.

SmartMoney.com
Offers range of college financial aid topics, and includes worksheets.

Student Loan Funding Resources
Features information about finding and applying for financial aid, and undergraduate and graduate lending programs.

Source: By Chuck Myers/ McClatchy-Tribune News Service

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Ever wind up with a coupon you can't use while looking through your stash for one you thought you had?
Then consider coupon trading, which has entered the online arena with the rollout of several Web sites. There, you may find the coupon that gives you the discount on diapers while letting you unload the coupon for the shampoo you decided you didn't like after all.
Options include:
www.frugalvillage.com
www.couponchix.com
www.dealcatcher.com
www.couponless.com
www.mommysavers.com
www.savingadvice.com

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One of the ways America dealt with the Great Depression was by going to the movies. While no one thinks the current economic dip will mirror that disaster, higher gasoline prices make heading to the movies a cheap entertainment even at current movie prices. And for the summer lineup, First Showing is the place to start. It has trailers that go beyond just the big-budget studio films as well as alerts about coming projects and comment boards where you can rant and rave about the state of Hollywood and individual movies.

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You honored mom with flowers and candy on Mother's Day in recognition of everything she does. Now, the folks who bring you the "Got Milk?" commercials want to salute one mom with some real coin -- $100,000 for her role as "chief health officer" for the family.

They've launched a nationwide search for moms who are keeping their families healthy and fit by serving lowfat or fat-free milk rather than sugary sodas or juice drinks. The contest runs through Sept. 30, when the winner will be announced.

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With gas prices skyrocketing and traffic jams escalating, car owners have more reasons than ever for leaving the driving to the professionals at Metro South Bay.

The local link of the regional Metro offers general transit information on fares, passes and timetables. The Green Line runs in the median of the Century (105) Freeway and El Segundo to Norwalk. Several Metro buses use the Harbor Transitway to connect the South Bay to downtown Los Angeles or West Hollywood. Information for people with special needs includes tips for such diverse riders as disabled travelers and bicycle riders hoping to travel on Metro for portions of their routes.

Multi-language pocket guides and even a "Go Metro" shopping guide are available.

A trip-planning service may be used to plot a regional transit trip from departure point to destination. A special feature on "real-time traffic" also offers information on vanpool options and other car-free ways to deal with that irritating commute.

The South Bay's local bus service is supplemented by Torrance Transit and Gardena Municipal Bus Lines. These carriers run local bus services on major roads and express bus service to downtown Los Angeles.

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"Your opinion counts," the Carson Web site says, so let them hear it.

If you have an idea for the city's budget, you don't have to wait your turn at a council meeting to lay it on them. The city's Web site includes a link to e-mail officials your budget idea.

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You’ve finally spotted the best price for a fill up, but as you pull the trigger on the nozzle you see that pump is showing 60 cents and you know no fuel has flowed into your car yet.
Is this some kind of bait and switch by the dealer or part of a massive oil industry conspiracy aimed to get the last dollar out of your wallet?
Probably not. Gas pumps do break down and modern electronic pumps aren’t as easy to gimmick as the mechanical pumps of past.
Still you can register a complaint about the accuracy of gas station pumps with the county and the state.
Consumers can register a complaint about the accuracy of Los Angeles County gas station pumps at the County of Los Angeles Agricultural Commissioner/Weights & Measures Web site. Click on and then on "Gasoline Consumer Complaint Form."
The California Department of Food and Agriculture oversees consumer complaints about petroleum products and distributors. Go to State Web; click on the complaints tab.

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“In today’s complex financial markets, financial education is central to helping consumers make better decisions for themselves and their families,” says Ben Bernanke, chairman of the Federal Reserve. But who knew that financial education about a system that has been so much in the news lately could come with some fun approaches for adults and those budding young bankers and economists at home?
When you go to this Federal Reserve educational site, you’ll find a wealth of material on the structure and history of the Fed system, along with information on U.S. monetary policy, banking supervision and personal finance.
You’ll find the usual FAQs, plus a glossary, quizzes, games and a video on “The Fed Today.”
If you wonder what happens to that check you write, or how a dollar bill makes the rounds, you’ll find multimedia answers here. Interactive games such as “Fed Clue” tests what you’ve learned on the site by sending you on a mission. You’ll also be able to connect with “In Plain English: Making Sense of the Federal Reserve,” an online tour with a guide named, naturally enough, “Buck.

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Talk about eco-friendly. The Santa Monica Pier's amusement park is recycling its Ferris wheel by putting it up for auction on eBay.
Opening bid starts at $50,000, which would be a steal, considering it originally cost $800,000, according to a promotional flier. Of course, the buyer will also have to spring for a base to support the thing, which will run about $135,000 from the manucaturer. And then there are shipping costs to consider for the 122,000-pound wheel. But Santa Monica to Hermosa is less than 20 miles, so how expensive could that be?

Last we checked, there were no bids, but Ferris wheel shoppers have until April 25 to make their move. Half of the winning bid will be donated to Special Olympics Southern California.

Here are some fun facts from City News Service:

• The Pacific Wheel, which originally cost $800,000, was installed at the pier’s Pacific Park amusement park in 1996. It was upgraded two years later to become the world’s first solar-powered Ferris wheel.


• Standing 90 feet tall and carrying riders 130 feet above the ocean, the wheel has had more than 3 million rides over the past 12 years, park officials said.


• People who have never ridden the wheel have likely seen it. According to Pacific Park, the Pacific Wheel has been in 105 photo shoots, 71 television commercials, 69 television shows, 28 feature films and 13 music videos.


• At night, the wheel is illuminated by 5,392 light bulbs.


• The wheel will be replaced with a $1.5 million, more contemporary Ferris wheel next month. Installation is expected to begin May 5, with a grand- opening ceremony set for May 22.

If a full-size Ferris wheel is a little out of your price range, ebay also has a Fisher-Price version, complete with 24 critters to ride it. Opening bid: 1 cent.

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For last-minute income-tax filers: Two Postal Service locations will collect mail for postmarking until midnight tonight. Those locations are the Long Beach Processing Center at 2300 Redondo Ave., Long Beach, and the Airport Station Los Angeles Post Office at 9029 Airport Blvd., Los Angeles, near Los Angeles International Airport. For frequently asked questions regarding mailing your return, a postage calculator and a tax checklist, go here. Or, to find the post office nearest you, check out the USPS locator.

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Did you know that California may have already done your state taxes for you?

Consult the Franchise Tax Board to find out. If you were single, had no dependents and had only one employer last year, the tax board likely has automatically completed a "ReadyReturn" for you.

But you don't have to settle for what they put together. You can modify or disregard the return.

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Your kids are still in elementary school but you're looking down the road at college and wondering where the money for tuition is going to come from.
A Qualified Tuition Plan, commonly known as a 529 Plan, has become a popular way for parents to save money for their children's future education, and catch a tax break along the way. If you've thought about establishing an education savings account, one of the following Web sites may provide useful insights:
The College Savings Plans Network explains a 529 college saving plan and compares features and state plans.
FinAid covers several 529 topics, from the basics to tax considerations.
This site offers overview of college saving vehicles, and features comparison of 529s with other savings options.
A helpful site with reviews of various education savings plans and a 529 College Savings Plan estimator.
The U.S. Securities and Exchange Commission provides answer to many of the questions that come up regarding 529s.

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The Daily Breeze reported last week that Los Angeles County Assessor Rick Auerbach will reassess as many as 310,000 homes because of the downturn in the real estate market and consequent drop in home values. Numbers in the county have dropped 12.7 percent between February 2007 and last month, according to a new report from the California Association of Realtors. Over the same time period, the drop in South Bay home prices stood at 7 percent.

Homes purchased between July 1, 2004, and June 30, 2007, are up for automatic reassessment. The Manhattan Beach Confidential real estate blog discusses in detail the thinking behind the move and the span that it will cover. It also features information for those left out of the reassessment bonanza; because after all, a lower reassessment means lower property taxes.

MBWatcher writes: “Anyone can, at any time, file a 'Decline-in-Value Reassessment Application' to seek an adjustment in the assessed value of a property. You don't even need to support your case with data, but it's better if you do. The form asks for you to list 2 recent comparable sales 'that sold as close to January 1, 2008, as possible.'”

As one blog commenter points out, prices will inevitably rise again, and when they do, assessments will rise with them. The tax savings may last only as long as the current downturn, but for many, that's long enough.

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With the real estate market in its current funk, you may be thinking you’d be better off working with what you’ve got rather than trying to sell and trade up. Several Web sites offer general and useful home improvement information, from remodeling tips to hiring a contractor. Here are a few:

411 Home Repair
Covers home improvement ideas and how-to’s by topic.

DoItYourself.com
Provides advice for homeowners who would like to take a hands-on approach to an improvement job.

Federal Trade Commission
Contains insights on how to find a reliable home improvement contractor.

Move.Com
Serves up advice on a wide range home improvement topics.

National Association of the Remodeling Industry
Offers wide variety of remodeling advice, from hiring a contractor to creating more space.

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Six things to note about the upcoming tax rebate distributed as part of a federal $168 billion stimulus plan:

1) Senior citizens and low-income earners who don’t usually have to file a tax return will miss out on federal stimulus refund checks if they don’t file this year. The IRS is sending out more than 151 reminder letters to those who file tax returns and those who collect Social Security and veteran's benefits.

2) Taxpayers who file a return are automatically set to get the tax-free rebate payment and will get it sometime after May 1 when the first ones are to be issued. You'll get yours earlier if you sign up to receive it through direct deposit. Find out when your check will arrive with the IRS schedule.

3) Rebate payments will be separate from tax refunds and will be deposited electronically only if a taxpayer’s refund is made via direct deposit. A paper check will be issued to any taxpayer who uses a refund-anticipation loan.

4) You can’t get cash from the stimulus program if you: Don’t file a 2007 tax return or didn’t pay any federal income tax last year or your income from all sources — including non-taxable income such as disability or retirement benefits — is less than $3,000. Nor if you can be claimed as a dependent on someone else’s return or don’t have a valid Social Security number or are a nonresident alien. Nor if you use forms 1040NR, 1040NR-EZ, 1040PR or 1040SS for 2007.

5) You can figure out how much you will get with the IRS's calculator.

6) If you don’t ordinarily file a tax return, and you need help filing for your rebate, the IRS is holding special hours Saturday, March 29 from 9 a.m. to 3 p.m. to help prepare the Form 1040A returns for low-income workers, retirees, disabled veterans and others. You'll need to bring some documents with you. Here are the two closest locations:

Los Angeles
300 N. Los Angeles St.

Long Beach
(Federal Bldg)
501 W. Ocean Blvd.

These organizations can also help:

The Volunteer Income Tax Assistance program provides help to low- and moderate-income taxpayers. Call 800-906-9887 for the nearest VITA site.

The Tax Counseling for the Elderly program provides free tax help to people ages 60 and older. As part of this IRS-sponsored program, AARP offers counseling at more than 7,000 sites nationwide during the filing season. To find a site, call 888-227-7669 or visit the AARP website, www.aarp.org.

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Blogger Jay White says he retired at age 51.

It’s not clear if buying store brands and brown-bagging lunch played a huge role in making that possible, but those tricks are listed here among the 10 “smartest ways to live beneath your means”.

The bigger picture is to avoid being taken in by advertising — and to save.

REALTED LINKS:
Cheap stamps forever
Free financial planning software
Make money through recycling
Mint.com money management tools
Help with gas prices
Rent comparisions
Bargain Hunter blog

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The NCAA tournament selections have been made. Need some help picking your brackets? First, you should read today's Tom Hoffarth column in sports.

But if that's not enough, here are some Web resources:

BracketScience.com: This site has head-to-head comparisons, historic stats, and strategies that have worked from years past.

10 Tips for Powerful Bracket Predictions: From Teamrankings.com, tells you the factors you need to consider and why some logic doesn't work.

Sportsline.com: Has a list of eight tried-and-true methods for picking a better bracket. We especially like #2:

2. Don't go putting all your No. 1 seeds in the Final Four. They might be the best teams on paper, but since 1979, it has never happened. The closest it ever came was in 1993, when three No. 1s and a No. 2 made it. Plus, do you really want to be the person in your office that picked all the top seeds? We here at CBSSports.com always make fun of that person.

Posted by Daily Link at 6:05 AM | Permalink | Comments (0)

Do you feel the need to make a difference? Maybe you've seen those TV ads to help the needy, but you fear your dollars might not reach the people you want to help. Or you may believe in teaching people how to fish, not just giving them a meal for a day. Then you should explore micro-lending, which is talked about in Stephanie Enright’s column in today’s Monday Business section of the Daily Breeze. The Grameen Bank Web site offers background on its efforts.
The Kiva Web site takes a Facebook-like approach to the program. It not only connects individuals with Third World loan seekers, it allows lenders to see how their money has made a difference.
While Kiva participants can loan all or part of the money requested, micro-lenders may require more substantial funds.
Other micro-lending Web sites are: www.villagebanking.org; www.opportunity.org.

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He turns up everywhere. Recently, we've seen Jack Kyser in the pages and Web pages of the Daily Breeze and our sister papers and heard him on the public radio show Marketplace broadcast on KCRW (89.9 FM). He's been quoted by The Associated Press, the San Francisco Chronicle, the Washington Post, the Detroit Free Press, the Toronto Star, Bloomberg News, the Riverside Press-Enterprise, the Hollywood Reporter, The Age (a newspaper in Australia) and countless others. But who is this go-to economics expert? Jack Kyser is the senior vice president and chief economist of the Los Angeles Economic Development Corp. Care for the long version? Here's his biography on the L.A. Economic Development Corp. Web site, and here's a piece about him on MyCoolCareer.com, a Web site for teenagers and twentysomethings thinking about their futures.

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Beginning May 12th, it will cost you 42 cents to send a letter, and a little bit more to send packages and standard mail. That is unless you have Forever Stamps that you purchased for 41 cents. They will work even after the postage increase. Forever stamps are still being sold, so buy them while you can! For information on the price adjustments, and to buy stamps, click here.

Or, if you really want to save on postage, you could opt for sending online greetings instead of traditional cards and notes. The site www.123greetings.com offers a wide variety of cards, and their Valentine's Day ones are especially creative.

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The California Integrated Waste Management Board has turned myth buster. The myth? That you need to change your car’s oil every 3,000 miles.

The state agency claims that doing so not only costs you more, but also hurts the environment — and does nothing for your vehicle.

Don’t believe it? Read more about the “3,000-mile myth.” If the site convinces you, maybe you can save a few bucks.

And if nothing else, you can at least save yourself a trip to the glove box and find out how often your car’s manufacturer recommends oil changes. The site includes a full listing of vehicles and their manufacturer guidelines.

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Through The Associated Press we found out about Carol, a Web site whose founders have set out to create a “care marketplace” that allows users to compare quality and prices for medical services.

Searches are based on the treatment you seek (organized via a body map), and insured users can input data to get an estimate of their out-of-pocket costs.

The month-old site is free and doesn’t require registration. It makes its money from health-care providers who become site “tenants.” If a customer makes an appointment with them through the site, the provider pays a fee.

Unfortunately, Carol only serves Minnesota’s Twin Cities area, but it’s an interesting site that’s already expanding. It plans to add a second market later this year.

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California's work to track down tax delinquents has gained importance as its budget crisis has deepened. One of the efforts is an online list of who owes California the most money.

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The Insurance Information Institute has been around for more than 40 years. One of the best services they offer is help with financial planning. You can download free programs to help size up your financial situation and establish goals.

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You might want to check out Mint.com. The Web site features ways for you to track your spending, find bargains, and stay informed about your money. Their motto: "Put your finances on autopilot."

But if you're in a tailspin after spending too freely over the holidays, Mint wants to help with that too. They're promoting a contest to pay off your holiday bills -- or at least $5,000 of them. (You didn't go more than $5,000 into debt did you?) You'll have to submit a video or written story, and visitors to the Mint Web site will vote on whose straits are most dire. Ten finalists will come out of that process, and Mint will do the rest.

For more information, here's a December story about Mint in the magazine Fast Company.

Posted by Daily Link at 6:00 AM | Permalink | Comments (0)

Gas prices are expected to hit $4 a gallon this spring. Exxon pulled the biggest profit ever by an American company last year. A survey says 51 percent of Americans say fuel costs are their biggest economic worry. Fight back with these links from McClatchy News Service:

Get a good idea how much your next trip will cost at www.fuelcostcalculator.com.

Then, to get started off right, go to www.gasbuddy.com to find the cheapest gas in your ZIP code. The prices are reported by members. You can register for free and do some reporting yourself, if you’re interested.

If citizen journalism’s not your thing, you can also check prices at autos.msn.com, which gathers its prices from OPIS (Oil Price Information Service). Click on “Gas Prices” under “Driving Tools.” The service tracks prices through credit-card transactions.

And check the Daily Breeze's gas guy chart in Sunday's paper to see how prices compare in the South Bay.

Posted by Daily Link at 7:00 AM | Permalink | Comments (0)

Our Ask Us editor, Stephanie Walton, gets a lot of questions from readers about gasoline prices. We've compiled her best in our online Ask Us archive.

She's answered such questions as "How much of the cost of a gallon of gas goes to taxes," "Why does my receipt say I paid more than the station's sign," and "How do I pre-pay for gasoline to lock in a lower price?"

If you've got a burning question about something in the South Bay or Harbor Area, email Stephanie at askus@dailybreeze.com

Posted by Daily Link at 6:00 AM | Permalink | Comments (1)

It's the first of the month, so it's time to pay the rent -- or, if you're not a renter, perhaps it's time to pay down that credit card, or send in your car or loan payment. And even though the bills come due at the same time every month, they never get easier to remember. So here's some help.

At Memo to Me, you can sign up to receive e-mail reminders for anything you can remember now but may not remember later, such as bill payments, birthdays, medical appointments and work events. And unlike calendars and Post-it notes (and the aforementioned string), the service is free.

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A revamped online file-sharing service that debuted Sunday offers free, unlimited song downloads, with the blessing of major recording companies, The Associated Press reports.
New York-based Qtrax lets users tap into file-sharing networks, but downloads come with copy-protection technology that prevents burning copies to a CD. The music can, however, be stored indefinitely on PCs and transferred onto portable music players.

In addition, the service promises its selection of up to 30 million tracks will be playable on iPods as early as March. As of now, iPods only play tracks that use Apple's proprietary copy-protection technology.

UPDATE: Qtrax has postponed its launch while it finalizes some licensing deals. However, you can still visit the site to find out more about the service.

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You read about the controversial Manhattan Beach blogger, who gives his take on the local real estate market. Read his writing at Manhattan Beach Confidential.

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I got a children's clothing catalog today that has an art contest in it. We normally try not to do shameless plugs for companies in this blog, but I figured with the rain and all, you might need something to amuse the kids, so here it is.

BodenUSA is having a Monster Design contest. You have your kids (or yourself, I guess) draw a monster that would work in the clothing company's building, write a job description for it, and mail it in. They'll choose three winners, design a T-shirt with your monster on it and send it to you, along with $500 worth of clothes.

You can see some samples of the monsters the Boden designers have done on the company's Web site. And if you want an idea of what kind of drawings win, check out the winners from the UK contest.

Send your drawing, monster's job description, the artist's name and age, address, phone and email address and send it to:
Monster of a Competition
JP Boden USA LLC
180 Armstrong Road
Pittston, PA 18640

It has to be there by Feb. 15, 2008.

Posted by Toni Sciacqua at 6:00 AM | Permalink | Comments (0)

The Redondo Beach-based International Association for Freedom and Equality United is offering scholarships to help disabled veterans from the wars in Iraq and Afghanistan who want to go back to school. The deadline for the first round of scholarships is Jan. 25. To apply or donate, go to www.iafeunited.org or call 310-297-3610.

Posted by Daily Link at 4:42 PM | Permalink | Comments (0)

Are you in the habit of throwing money in the trash? You may not realize it, but that's just what you might be doing when you throw a bottle or can away instead of recycling. At Bottles and Cans find out just what can be recycled and how much you can make with little effort.

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From the San Jose Mercury News:

Attention old analog TV set users: If you haven't already, you may want to apply for the $40 coupons the government is offering for converter boxes that will allow your old and faithful TV to receive digital signals.
The U.S. plans to abandon traditional analog broadcasts on Feb. 17, 2009.

Under the federal program each household is entitled to two coupons. They can be requested online at www.dtv2009.gov or by calling 1-888-DTV-2009.

EchoStar, the parent company of Dish Network, announced that it will sell a digital TV converter box for $39.99. The company said its TR-40 converter box will be available in limited quantities in March and unlimited quantities in June.

Other companies have announced that their converter boxes will cost around $60 to $70.

The feds have received requests from more than 1 million households since Jan. 1, according to the Commerce Department, which is overseeing the program.

The coupon program is aimed at owners of traditional analog sets who view over-the-air broadcast TV. Those sets will not work after the digital switch without a converter box. If you receive your TV signals via cable or satellite, you will not be affected.

Analog is the process of taking an audio or video signal and translating it into electronic pulses. Digital, on the other hand, breaks the signal into a series of ones and zeros. Congress ordered the switch to digital television because it will free up valuable airwaves for other uses, such as for police and fire departments. The change should also lead to improved picture and sound for TV viewers.

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The tax season will be here before you know it and it's painful to see how much you earn compared to how much you net. Predicting your net income after taxes is difficult. There are calculators at Paycheck City that can help you predict your bottom line, and whether salaried or hourly, taxes and other considerations are deducted.

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Because housing is one of your biggest monthly expenses you want to make sure you're getting your money's worth. Find out how your home stacks up here. You might also find this site handy if you have a house to lease.

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