8 Ways to Save Big on Cyber Monday

8 Ways to Save Big on Cyber Monday

When Black Friday deals just aren’t enough, there’s always Cyber Monday. Just days away from the most anticipated and chaotic shopping day of the year, Cyber Monday offers consumers another shot at securing the best …
Checkbook Balancing 101

Checkbook Balancing 101

In these days of online banking and debit cards, traditional check-writing has become a bit quaint. As for reconciling that monthly balance, computer software will even do that for you. However, one thing hasn’t changed. …
About Flat Tax

About Flat Tax

A flat tax is a tax which is assessed at the same percentage to all taxpayers (for example, a 10% flat income tax). Flat taxes are a controversial but increasingly popular alternative to traditional progressive tax systems …
Asset Allocation Diversification

Asset Allocation Diversification

Asset allocation means spreading your investment funds across many asset categories. As an investment strategy, this will help the investor balance the overall portfolio risk, volatility, and performance. Asset allocation is an important construct to …
A look at Arizonas Foreclosure Laws

A look at Arizonas Foreclosure Laws

Arizona’s foreclosure laws are spelled out in Article 33, Chapters 6, 6.1 of Arizona Revised Statutes. These laws are very specific in spite of the fact that most Arizona foreclosures are done through a non-judicial …
Investing

Investing

The trend is your friend. Investors who base their investment decisions on overall market trading activity usually earn money in the long run. Then again, there are times when every stock or almost every stock that is listed …
Ways to Save Money this Summer

Ways to Save Money this Summer

Could you use a little extra money this summer? Many people are looking to save money any way they can during the summer, especially during the challenging economy.  There are a variety of measures that …
5 Ways to Lower Health Insurance Costs

5 Ways to Lower Health Insurance Costs

Falling ill or being involved in an accident are things that most people want to avoid, although unfortunately it can happen at any time. Being prepared for this in financial terms is a way to …
Capital Homesteading for every Citizen

Capital Homesteading for every Citizen

The American Dream is not dead, but it is certainly on life support.  As fewer and fewer people own capital and the State takes over more and more of the economy, Americans become permanent children, …
Indepent Insurance Agent

Indepent Insurance Agent

You trust a lot of the important matters in life to other people. Your auto insurance is no different. You need a professional agent to handle your coverage. You want an agent that knows what …
How to Survive a Tax Audit

How to Survive a Tax Audit

Be Prepared for Audit If you are audited by the IRS, it will help if you keep organized records. The purpose of any audit is to verify records. Taxpayers are required by law to maintain …
How Fed Rate Cuts Affect Fixed Deposit Rates

How Fed Rate Cuts Affect Fixed Deposit Rates

The U.S. central bank, the Federal Reserve (the so-called “Fed”), currently effectively controls the nation’s money supply through the manipulation of interest rates. When it makes an interest rate cut, this has consequences for many …
Lawyer Fees

Lawyer Fees

In the absence of an express agreement as to the amount of their compensation, lawyers are entitled to reasonable attorney’s fees. The creation of a relationship of attorney and client by express or implied contract …
Filing Tax Return IRS Audit

Filing Tax Return IRS Audit

The January 1 to April 15 time period can be hectic. If you worked the previous year, you are possibly worried about filing a tax return to pay what you owe or get a refund …
How to Save on your Electricity Bill

How to Save on your Electricity Bill

Most of the time, people have only one choice when it comes to electricity options. In other words, there is usually only one power company in the area in which you live. As such, your …
Don’t Count out Real Estate just yet

Don’t Count out Real Estate just yet

Buy Low, Sell High Still Works The crisis of the current US housing market is being watched closely around the world. Beyond the endlessly repeated generalities of despair appearing in most headlines, closer observation will …
How Interest Rates Work

How Interest Rates Work

Interest rates are perhaps the most important to consideration when selecting a loan or saving account. As such, banks have a variety of interest rates for their various accounts and loans. You should always check …
How to Choose Investments

How to Choose Investments

Choosing what to invest in is ideally less like window shopping and more like an investigation if you want to base your choices on information rather than feelings. Some people still do choose what to …
Acquiring Dual Citizenship

Acquiring Dual Citizenship

Dual citizenship is a status by which an individual is concurrently known to be citizens of two countries by the laws of those countries. Dual citizenship can be acquired in different ways. Below is an …