Most people believe that, when it comes to debt and credit, all debt is created equal. They think that mortgage debt is categorized in the same way as credit card debt and that, the reason mortgages are harder to get than credit cards is because of the amount of money being ... Read more...
Archives for 2015
Low Income Living Requires Planning
If you live on a low income and expect to continue to pay your bills, feed your family and make it through unexpected emergencies without going into debilitating debt, you absolutely need a plan. This plan will need to explore the support organizations near you as well as teach ... Read more...
Start 2015 Smart and Financially Balanced
So, it’s the New Year. A month and a half in, and you’re probably still mourning the inevitable chunk that holiday shopping bit out of your budget. You planned well but if it puts a smile on Grandma’s face to get her that beautiful expensive scarf she had her eye on, you’re going ... Read more...
How to Choose a Beneficiary for Life Insurance
Taking out life insurance is an important financial matter everyone should attain to. However, what’s next on the agenda is selecting the appropriate beneficiary for your policy. Here are four tips on choosing the right beneficiary for your insurance policy. Determine What the ... Read more...
Which Gas Saving Tips actually Work, and Which Don’t?
Even though gas prices have been dropping steadily over the last few weeks, gasoline still isn’t exactly cheap. If you do a lot of driving and you’re looking for the best gas saving tips, you’ve probably heard quite a few of them because, frankly, there are millions of blog ... Read more...
The Biggest Investing Mistake that Many Consumers Make
Whether you’re buying your first stock or you’ve purchased many over many years, you’ve probably done a lot of research and calculations and, if you’re like most investors, you keep track of whether your stocks are going up or down. Like many investors, if your stock price ... Read more...
Top 5 Reasons that Using a Credit Card is better than Using a Debit Card
Millions of American consumers, if asked, will expound on the advantages of using a debit card, including the fact that it’s handy, saves them from not carrying around large amounts of cash in their pocket and helps them to not overspend. On the other hand, using a credit ... Read more...
3 Items You Thought You Had to Pay Full Price for But Don’t
Sure, you can be a savvy shopper and buy most of your clothes, shoes, and food on sale or on clearance. But there’s a limit, right? You can’t buy certain things at a discount. Paying full price for some items, especially expensive, highly coveted items is just a way of ... Read more...
What are the Biggest Risks you face in Retirement?
If you search the Internet you’ll find that there are millions of blog articles about risk, and managing risk, when it comes to investing. Unfortunately, many of those articles don’t do a very good job of explaining exactly what they mean when they talk about risk. If you’re ... Read more...
Don’t know what to do with your Holiday Gift Cards? Sell them for Cash
It happens every year; you get all sorts of gift cards for Christmas, and some of them are from stores and restaurants that you simply never visit. This year, if you get the gift of a gift card that you simply don’t want and know that you will never use, you actually have a ... Read more...