How to get out of Debt

How to get out of Debt

Getting into debt is all too easy these days, with all the literally thousands of credit cards, store cards and loans available. Of course the more debt you get into, the harder it becomes to …
Personal Finance and Budgeting

Personal Finance and Budgeting

At one time my husband and I were going out to the movies every weekend, literally each Saturday would arrive with the both us grunting about what to do, then: “Oh, maybe we can just …
How to Save Money

How to Save Money

In today’s economy more and more people are living paycheck to paycheck.  It’s getting harder to stretch a family’s income and keep food on the table.  Do you have trouble with bills and debt? Well …
How to Dispute Debt on a Credit Report

How to Dispute Debt on a Credit Report

A credit report is a great tool to monitor credit and figure out where an interest rate should be.  Sometimes, a credit report can have debt listed that is inaccurate, which obviously will hinder a …
The Real value of Money

The Real value of Money

Let’s assume I work hard and earn $120,000.00 a year, and I want to become so wealthy that I no longer have to work for a living. I know what to do to become this …
Smart Ways to Invest with just 200

Smart Ways to Invest with just 200

In the world of investing, $200 just isn’t a lot of money. Compound this with the fact that commissions on trading can be upwards of $20.00, and you may think its not worth it to …
Medicare 101: Understanding the basics

Medicare 101: Understanding the basics

Medicare is a valuable medical program for many Americans. It falls under Title XVIII of the Social Security Act. Medicare is a federal health insurance program for Americans age 65 and over, for disabled Americans …
Payday Loan Companies – Yes

Payday Loan Companies – Yes

A free market operates free of government intervention, where business transactions are mutually agreed upon by sellers and buyers. Though payday loan companies continue to thrive due to a steady market for their services, many …
Easy Ways to become Richer

Easy Ways to become Richer

Most people can always use a little extra cash. Unfortunately, unless you’re the heir to a fortune, set to receive a large inheritance or be offered a promotion, the chances of increasing your income can be …
What to do if theres a Loss

What to do if theres a Loss

In everyday speak, a loss is a bad thing. Whether the loss is love, life, or money, a loss is never good. However, because I deal primarily in business transactions and financial insight, we will …
Disposable Budget Amount

Disposable Budget Amount

Daily disposable income is what you would use for things like going out to dinner or a movie, going to the mall and other things that are more “fun” in nature and not a requirement …
Ways in which Frugality Pays

Ways in which Frugality Pays

There are many negative words associated with frugality: tightwad, spend thrift, stingy, miser –and a few less than flattering monikers to top those off. Yet, do frugal folks get a bad rap? They  might. In …
How to Reduce your Electric Bill in Summer

How to Reduce your Electric Bill in Summer

Summer brings sunshine, warmth and longer hours of daylight. All of these should help to reduce your electricity bill quite substantially. The most obvious saving is from the hours of daylight. When it is bright …
Term Life Versus Cash value Life Insurance

Term Life Versus Cash value Life Insurance

Term life insurance is a contract which promises a payment – called the death benefit- to beneficiaries only, usually to replace the income needed to support a family. This benefit is in exchange for consistent …
Do i have Bad Credit

Do i have Bad Credit

It is more important that ever today to know how your credit score stands. If you have bad credit you cannot purchase a home, car or borrow on credit. With the economy as it is …
Currency Converters

Currency Converters

If you want to know how many British Pounds you would get for 100 US Dollars or vice versa you can get a fair idea on the many conversion sites on the Internet. However, it …
Problems with Cashing Foreign Checks

Problems with Cashing Foreign Checks

Every person who has ever tried to cash an out-of-country check soon discovers that it is not as straightforward as cashing a local check. In particular, foreign checks will usually be subject to higher bank …
Suicide and Life Insurance

Suicide and Life Insurance

During my life insurance licensing class, the instructor told a story of young man who wanting to know if the 2 year suicide clause was in effect on his policy. He told him not yet …