A common problem for every consumer is figuring out how to break bad habits. We all make purchases that empty our wallets and make us scratch our heads down the road. The biggest issue with resolving bad spending habits is the all-or-nothing approach often given in advice columns. You need not live like a hermit [...]
Financial help is something almost every person needs once or twice in their lifetime. If you’re lucky, the type of help you’ll need will be finding money to finish college or a family loan to help you buy your first home. Unfortunately, for many people, financial woes get much worse, often ending in bankruptcy. While [...]
Most small businesses are run as sole proprietors. That is the way I have been running my blogs and Internet related businesses for the past ten years. However, I recently asked myself if it would make sense to incorporate my small business. When deciding on whether or not to incorporate, it obviously makes sense to [...]
I saw another quote today about how Warrent Buffet is complaining that his secretary pays a higher tax rate than he does. Enough with all the bullcrap Warren! I am seriously sick about hearing you compain that you don’t pay enough taxes, and that everyone should pay more taxes and entrust their money to the [...]
I have a friend who goes to the most expensive department store and spends a fortune buying clothes. Specifically, he goes to the front of the men’s department and picks the clothes that are on display. He is an engineer and works for a rather cheap company that is full of cheap dressers. He is [...]
How many loyalty cards do you carry? What motivates you to sign up for these programs? According to a 2004 poll conducted by Boston University’s College of Communication, 86 percent of American shoppers use some form of store card or discount card. Grocers and retailers offer cash back, rewards points, special offers and other bonuses. [...]
What’s the most important part of college prep? Standardized tests like the ACT, the SAT, or Advanced Placement are key. So is learning to do your own laundry. But the most important in the long-term: a student heading to college must consider the financial implications of doing so. Few Americans can afford to pay for [...]
Most Americans worry about money: rising costs, stagnant wages, increasing debt, having enough to retire, banks going broke and staggering medical bills are the nightmares that keep us awake at night. How can you keep the shadow of money worry away? Make a Plan It’s nearly impossible to stop worrying about the unknown. While you [...]
Some of the major living expenses for Americans these days are home and auto insurance. Policies are pricey, but you can keep costs down by qualifying for discounts. Give a licensed agent a call and ask whether you are eligible for savings opportunities. Home insurance discounts Home-auto. Bundling your home and auto insurance by purchasing [...]
The Cost of Constantly Upgrading Technology is constantly evolving and improving. New products become obsolete in a year or less as the latest, best version is released with great media hype. Carrying around the newest gadget may make you the center of attention, but what’s the cost of staying on top of the technology? How [...]