Financial Advice You Can Get For Free

July 26, 2013

Because there are so many people trying to give you advice. And because every situation is different.  And because rules of thumb do not apply to everyone equally. The best way to get financial advice is to do it yourself.  Make your own decisions.  You don’t have to rely on a financial advisor to improve […]

How Much Money Do You Need to Be Rich?

July 23, 2013

Yesterday I read an article on CNBC’s website that spelled out exactly how much money it takes to be rich. Before I share how much money they think it takes to be rich, take a minute and think about what it would take to make you feel rich. For my kids, it would probably be […]

Are Frequent Flier Miles and Credit Card Rewards Valuable?

June 27, 2013

You have likely seen TV and online ads from credit card companies touting their rewards programs. These ads highlight frequent flier miles, cash back on specific purchases and rewards for consumers who spend considerable amounts of money. A rewards card seems attractive on first blush as many people use their credit cards for big-ticket purchases […]

Hiring Low Cost Employees for Your Small Business

June 7, 2013

For the millions of us that run a small business, hiring an employee can be a daunting and intimidating task.  Most businesses start by a sole proprietor or a small group of friends, and at some point the work just gets to be too much.  If you’ve gotten to that point and are ready to […]

Easing Kids into Money Management

June 4, 2013

Kids learn their behaviors by observing adults and learning lessons from their parents. As a parent, you should not rely on school or media to teach your kids about money management. School districts are focused on test areas like reading and science rather than a practical skill like handling finances. Media examples through television, the […]

How to Break Bad Spending Habits

May 13, 2013

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 […]

Getting Financial Help Through Bankruptcy

April 25, 2013

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 […]

Should You Incorporate Your Small Business?

April 1, 2013

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 […]

Warren Buffet The Hypocrite – The Truth About His Taxes

March 20, 2013

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 […]

How Men Can Save Money Dressing for Work

March 12, 2013

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 […]

Customer Loyalty Cards: Are you really getting what you think you’re getting?

March 4, 2013

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. […]

Know Before You Borrow: Using Student Loans Responsibly

February 13, 2013

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 […]

How to Stop Worrying About Money

January 25, 2013

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 […]

How to Save Big Bucks on Your Home and Auto Insurance

January 9, 2013

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 […]

Keeping Up with the Joneses and Their Electronics

January 3, 2013

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 […]

Get the Most Out of Your Energy Dollars

December 19, 2012

Whether you’re looking to do a better job of budgeting or simply interested in reducing your overall cash expenditures, one of the first places to look at are your energy costs. Whoever you are, your energy bills make up a large part of your monthly budget whether you’re splitting that between several types of fuel […]

How Couples Manage Money Differently Than Singles

December 9, 2012

When it comes to finances, does one plus one make just two, or does the joining of accounts, debts and financial education add or subtract value beyond the individual components? Do you merge all the assets and liabilities and share responsibilities? What if you and your partner don’t see eye to eye on spending habits? […]

How Stores Use Your Senses to Make You Spend More Than You Intended

November 27, 2012

Can you stick strictly to a list when you shop? Why do you always end up buying more at the grocery store because you had to walk to the back for the gallon of milk you needed? What about those tiny bottles of hand sanitizer and lip balm at the checkout counter? If you never […]

How To Spot And Stop Money Waste

November 15, 2012

Cutting the waste from a budget is no easy task. No one sets out to waste money, and it often escapes accounting after the fact as well. Here’s a quick guide to spotting the ways your money sneaks away from you and how to hold onto more of it. If you’re forgetful, you might be […]

Get The Debt Snowball Rolling

November 10, 2012

The term “debt snowball” could describe how debt builds up; a little bit becomes a little more and soon it’s rolling downhill, out of control and growing as it goes. However, it actually refers to a debt repayment strategy championed by financial guru Dave Ramsey. This method focuses on paying off the debts with the […]

The Number Worth Thousands (and it’s not the lottery)

October 30, 2012

There is a magic number that can mean thousands of extra dollars in your pocket. It tells strangers something about you, but it’s not your income, your monthly spending, or your date of birth. It’s your credit score. It tells credit card companies, car dealers and bankers whether or not to loan you money and […]

Should You Loan Money to Family or Friends?

October 22, 2012

Taking “Personal Loans” to a New Level:  Should You Loan Money to Family or Friends? Money is tight all over, and maybe you know someone in a financial pinch. Perhaps he or she has been turned down already for a loan or line of credit and –wisely- want to avoid the high interest fees of […]

Reasons You Need To Switch Banks

October 15, 2012

Do you pay for every little extra from your bank? Hate your bank’s customer service (or lack of)? Pay for basic services? All are reasons to change banks, and you’re not the only one considering such a move. According to a March 2012 report by Javelin Strategy & Research, 11% of consumers want to change […]

Get Better Sleep by Paying Down Debt

October 10, 2012

People in debt can find the problem all consuming. Debt can cause stress for you on a personal level and put a wedge between people in a relationship. Feelings of guilt and anger about debt can lead to sleepless nights and depression. Some people don’t mind being in perpetual debt and can take it in […]

Debt Paying Tactics

September 30, 2012

You are engaged in a war with a persistent and powerful enemy: Debt. Credit card debt, home mortgage, student loans or a combination of those can be a vicious enemy. You need a plan of attack, a strategy to tackle this nemesis. Here’s your playbook; which approach you take matters less than which approach you […]

6 Ways To Teach Kids About Money

September 24, 2012

Here are some useful tips that you can use to help teach your kids about money.  The key is to get started early and to relate finances to every day life.  Here is our list… 1. Introduce them to the concept of money as soon as they can count. Children who grasp the concept of […]

Five More Habits of the Wealthy

September 14, 2012

Hopefully, you’ve read our original article on habits of the wealthy.  Here are five more things that wealthy people do.  Do people do these because they are wealthy, or are they wealthy because they do these?  It’s probably some of both but these are some tips that can help you manage your money better no […]

Habits Of The Wealthy

September 13, 2012

While some of the wealthy in the world were born into it, most people become rich by following frugal habits and applying sound financial decisions when managing their money.  Here are some of the habits of the wealthy.  It makes sense to incorporate these into your everyday life if possible. Live Below Your Means At […]

How To Control Debt

September 7, 2012

Having debt is something that countless Americans face on a daily basis. While being in debt is not always crippling, accumulating debt certainly is. If you have any debt at all, or are planning on making a financial move that will likely put you in debt (such as going to college or purchasing a home) […]

5 Reasons to Get a Credit Card

August 29, 2012

Credit card debt in the US totals just under $800 million among 176 million cardholders. Credit cards are painted as the bane of financial security and the ruin of your credit score. However, like most fairy tale villains, credit cards are not all bad. When used responsibly over time, credit cards can be a benefit, […]