In the world of finance nothing ever seems fair. Some are lucky enough to be enrolled in an employer-sponsored retirement program. But where do you go if you have no such option? What should you do if you want to start planning for your post-career years on your own? It’s not a simple question to answer – because you will have […]
As every true salesman will tell you, “You can sell anything, it’s just a matter of setting the price.” That’s true in the current housing market. And it’s just as true in used car sales. Of course there’s a lot you can do to keep that final sales price as high as possible. Here are some tips… […]
We are in the process of buying a new car. It’s been awhile since we’ve purchased a new vehicle, so I set out to do some research first. I’m sharing the info here, with the hope that it will be helpful to others who are also in the market to buy a new or used […]
Payday loans are short-term, high-interest loans offered by small companies. Are they a good deal? Usually not. They are intended to cover your financial needs until you reach your next payday — that’s when you’re expected to repay the full amount, or you’ll be hit with additional fees and finance charges. Unfortunately, if you’re trying hard just to make […]
Debt collectors are people just like you and me. However, some agents can be exceptionally nasty, rude, and even dishonest! Dealing with debt collectors on the phone can easily escalate into a very stressful situation — especially if the agent you’re talking to has no mercy and a bad attitude. Here are 3 tips for dealing with a collection agent who doesn’t […]
If you’re thinking about closing a credit card account, it’s probably for one the following reasons: You worry that possessing a credit card could tempt you into spending too much money. You’re tired of the high interest rates or annual fees. (Tip: you could try to negotiate a lower rate first.) You found a different […]
Basic info about getting a secured credit card and how they’re different from non-secured credit cards. Everything you need to know about secured credit cards, plus tips to determine if you really need one or not.
You probably heard that President Obama’s daughter, Malia, is taking a gap year before entering college. Malia Obama’s year-long deferral before her first year at Harvard is a route taken by about 80 to 110 admitted students. Higher education experts tout the off-year as a way to travel, engage in a long-term special project, or otherwise use the […]
Perhaps your child’s college fund was eaten up in bad investments. Maybe your savings plan didn’t pan out as you hoped it would. Or perhaps you never had any money to save in the first place. Regardless, if you want your child to go to college — and your child wants to go to — […]
Each year around tax time, I go through all of our personal receipts, bank statements, household utilities, and medical bills/receipts in an attempt to stay organized. By staying on top of this and doing it just once each year, it's easier to find the information we need when the time comes for
Home ownership is more expensive than ever today. Plus, the cost of fossil fuels is climbing again and will likely continue until the time comes when there literally is no more to be had. Doing everything possible to reduce our use of energy in the home goes beyond our desire to keep U.S.
