Dr. Steven Steinkuehler PhD

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Don't Buy This: Stop Hidden Investment Fees From Cutting into Your Savings

You’re probably paying fees on mutual funds and ETFs without even realizing it. Here’s how to keep more of your earnings by lowering or even eliminating these charges.<p>Saving for the future is hard enough when you’re so mired in student debt that just making rent is a struggle. To make matters …

Investing

Cord-Cutting Picks Up Steam Despite Cable's Best Efforts

The number of people fleeing pay TV is accelerating, no matter what cable and satellite providers do.<p>Cable's deal with the devil is going about as …

Pay-TV

Explaining Types Of Fixed Annuities

Helping to stabilize income from investments, fixed annuities are most commonly used by people who are not fully participating in the workforce, are …

Local Plumber Invents System to Change Plumbing Industry Forever - Elmhurst, IL Patch

Have you had a plumbing issue that never seems to go away? Well Tom Bartos, a local plumbing contractor is here to change that. He was sick of seeing …

This Genius Hack Will Save You Money on Amazon — Every Time You Shop

Plus 10 more tips to find everyday deals.<p>Amazon has upended the retail world by offering shoppers the magical combination of nonstop deals, endless …

eCommerce

Americans Own Less Stuff, and That’s Reason to Be Nervous

Some social problems are blatantly obvious in daily life, while others are longer-term, more corrosive and perhaps mostly invisible. Lately I’ve been worrying about a problem of the latter kind: the erosion of personal ownership and what that will mean for our loyalties to traditional American …

Ridesharing

How to Send and Receive SMS Messages on iPad and Mac via Text Message Forwarding

Ever since iOS 7, Apple has provided a Text Message Forwarding service that can push SMS messages received through your iPhone's cellular network to your other Apple devices.<p>Using the same network, the forwarding service also allows you to send messages from your iPad or Mac to other phone numbers, …

Security

What’s the best calendar app for iPhone?

Calendar apps for iPhone are a tough thing to advise for because different people use them in different ways. Some people are busier than others (meeting wise), and others use their calendar as a to-do system (personally I question your sanity if you are this way). All of the primary calendar apps …

Apps

How to Organize Your Finances for Retirement | Investopedia

Getting your finances organized is one of the first steps to take when you are approaching retirement. Having a clear financial picture can help ease …

Retirement

Control multiple devices w/ this 6-pack of smart Wi-Fi outlets for $28.50 shipped (50% off)

LIGHTSTORY (99% positive lifetime feedback) via Amazon offers its Wi-Fi Mini Smart Outlet 6-pack with Alexa and Assistant integration for <b>$28.34 shipped</b> when you use code <b>50JJ9HAH</b> at checkout. Regularly $57, this drops the plugs to just under $5 each and is the best available. Any time we see smart …

Wi-Fi

Want To Cut The Taxes In Your Retirement Money?

Many people investing in retirement plans such as 401(k), 403(b) and IRAs don’t fully understand tax-deferred investing. Let’s look at a few of the tax issues related to retirement planning and investing.<p><b>Short-term tax vs. long-term tax aka capital gains</b><br>Let’s start by understanding how your money …

Retirement

How to Maintain Your Shower, According to a Plumber

Your shower pipes are not like your computer—they’re not supposed to be out of date and barely working within a few years. Completely replacing the …

Home Improvement

This unconventional way of consuming books will transform how you read

Give yourself permission to read this way and propel your learning to new heights<p>When's the last time you listened to an album from beginning to end? Yeah, right. But of course, you read books from cover to cover? I mean, who in their right mind wouldn't? Turns out lots of folks.<p>I once believed in …

Books

The 35 Things You Don’t Know You’re Doing That Make Your House a Target for Burglars

These not-so-obvious indicators will make your home a target for thieves.<p>Setting out the box from your new 60-inch HDTV or high-end gaming console on …

Social Media

Using a Fork to Hang Pictures Is the Home Decor Tip We All Need

Who among us hasn't gotten totally fed up while hanging pictures on the wall? One of the most aggravating experiences in home decorating is when …

Home

Roth Conversion: Converting IRAs

It's generally a good idea for most investors to consider including a Roth IRA in their overall retirement planning. Roth IRAs have the potential to …

Retirement

11 simple tips for stable investing

If you're investing in stocks to achieve financial security, following these 11 simple tips could help you avoid mistakes and build a bigger nest egg.

Investing

A Seriously Simple Tip for Cooking Fish Fillets Evenly Every Time (This Is What We Call Low Lift)

Fish fillets aren't evenly shaped. Here's how to solve for that problem.<p>Whether you're searing fish in a pan or cooking it on the grill, unless …

Fishing

Apple trade-in guide: Where to get the most money for your used iPhone, iPad or Mac

With iPhone launch season around the corner, we're rounding up where to get the most money for your used device at leading buyback providers, such as …

IPad Pro

Water Bills Are Going Up, This Device Helps You Lower Them

The Buoy tracks your water use and makes recommendations on how to lower it. If your water bill is getting prohibitive, it might be a smarter solution than just taking shorter showers.<p>In the middle of California’s record-breaking drought in 2015, as the state asked residents to cut water use 20%, …

This little-known Amazon service turns stuff you want to get rid of into store credit

<i>The</i> <i>Insider Picks</i> <i>team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.</i><p>Kevork Djansezian / Getty Images<p>It's true that many of us spend money on Amazon (sometimes frequently), but how many have traded products in …

eCommerce

Modern Design, No Retail Markup: Furniture Maker Article Forecasts $200 Million In 2018 Sales

Furniture startup Article, which designs and manufactures modern furniture and sells it direct to consumers, expects to double its sales this year, to $200 million, cofounder and CEO Aamir Baig told Forbes. If it succeeds, that would put it in the same league as successful direct-to-consumer …

Expert Advice: How to Fold a Fitted Sheet, Step by Step

No doubt about it, when it comes to domestic efficiencies the fitted sheet is a dream invention. Yet, too often it’s an absolutely nightmare to fold. …

10 Common Mistakes People Make at the Car Dealership

Driving a brand-new car can be one of the great experiences of life. Walking into a dealership and buying one, on the other hand, ranks up there with public speaking and visits to the dentist atop most people’s lists of anxiety-inducing prospects. But it’s not really that scary if you’re prepared …

Plain White Vinegar is the Ultimate Dishwashing Hack

Southerners know as well as anyone that greasy, delicious foods don’t just cling to your ribs; they cling to your pots, your pans, your Tupperware, …

How to clean a ceiling fan in 60 seconds

After washing windows, cleaning ceiling fans is my most hated chore. I usually end up with dust all over me and only slightly cleaner fan blades.<p>Until recently, that is.<p>To clean your ceiling fan and remain dust-free, try creating a DIY cleaning tool using items you already own. All it takes is a …

5 baking soda hacks to keep your laundry smelling super fresh

As the buzz around multi-tasking ingredients and pantry-staples hacks reaches an audible roar, happy news: Another ingredient is about to join the …

Cleaning

Your Washing Machine Has a Secret Drain Trap That Needs to Be Cleaned Out If You Want It to Work Properly

If you're a busy mom with lots of clothes to wash, you need to know how to clean a washing machine drain. "Wait, but I've never done that before — …

Cleaning

10 Cleaning Mistakes That Are Actually Making Your Home Dirtier

Cleaning the wrong way can waste time, and it can potentially make your home dirtier!<p><i>Why it’s dirty:</i> Despite spritzing it with a cleaning solution, …

Cleaning

Robinhood: The High Price of Free Stock Trades

Those who use the free brokerage service may be left with unnecessarily high tax bills.<p>Named after the legend who robbed from the rich to give to the …