Credit cards are very convenient. They allow you to avoid carrying a lot of cash and give you extra protection. They let you buy now and pay later. It can be difficult to get a …
Saving money is an important part of every financial plan. Saving money will help you plan for retirement, your child’s education, and/or a rainy day. Whatever your purpose for saving, you have to have some …
You suddenly discover you won a contest or a wealthy relative passed away and willed to you a large sum of money. For tax purposes you are a cash-basis taxpayer. That means income that is earned …
The number of ways an enterprising teen can make money is staggering. Some ideas are geared toward geographic location. For instance, living in the middle of a city, mowing lawns may not be appropriate, because …
Policy Issue: Why is College So Expensive? Angelica Gonzalez and Courtney O’Sullivan wrote an intriguing article regarding the rising costs of higher education. They stated that private four-year colleges have raised their tuition 175 percent …
Record Your Daily Expenses. Keeping a record of all the money you spend is the best way of knowing whre all your money goes and to see where you can save money. However don’t waste …
Many people feel that there is no way out of bad credit as they cannot get new finance. You need to know, an adverse credit history reduces your chances to get accepted for a new …
When it comes to a person’s future, there is no such thing as planning too early. If it were possible, a person should start planning for their future as early as Junior High School. That …
It is a strange feeling walking across that platform during college graduation and actually realizing how little you really know about the “real world.” Also two days prior to my graduation, my husband and I …
The basics of financial planning is simple. If you are willing do dedicate a few hours a week or a few minutes a day analyzing and putting into action good strategy, then you automatically put …
You can save money by being more organized in various parts of your life. If you are like many people, then you may put your mail in a pile when it comes in order to …
With the way the economy is today, our children have a bleak future ahead of them. There may not be social security for them when they get ready to retire. I have three grown children. …
Borrowing money. Based upon British Law (The information contained within this document may need to be varied under differing countries Laws/Standards and requirements.) I recently decided to take out a second mortgage on my home; …
I know. This is too easy. It’s like an under-handed pitch to a major league hitter, it is out of here! But, can you make an indulgence for those who really would like the question …
For various reasons some people may need to survive on a smaller budget than they want to. No matter how much you make, there is usually a way to get by. When pursuing a smaller …
Financial planning is not an activity exclusively for the wealthy; it is a useful tool for everyone, no matter what their level of wealth or what stage of their lives they are at. It helps …
Living without borrowing any money whatsoever can be very hard. The easiest and most obvious answer on how to live without borrowing is by using cash to pay for anything and everything. This means that …
Paying rent to your parents can often be a very tedious and stressful thing to have to do, especially when you yourself as a student, teenager or young adult may be on a low income …
Young adults in every era struggle financially trying to make ends meet. While some are relatively successful, others often head plunge deeper and deeper into debt. Financial tips for young adults can help! Consider the …
These days it’s ridiculously difficult to clearly define what you need to buy vs. what you want to buy. From all sides, there is a deafening thunderstorm of friends, life-partners, children and family members explaining …
A living trust is a trust that allows you to put your assets into a trust while you are still alive. Having the trust as revocable allows for flexibility. Naming a trusted person to be …
Planning an Estate in New York involves paying attention to benefits and disadvantages of owning an Estate in the New York as well as the options made possible through the State’s laws. Other factors affecting …
There are financial moves that can really make a difference in the amount of money you have in your pocket to make your years in college more financially comfortable. Knowing that you have a grip …
Let’s face it. Money is tight, the economy is slowing down and will continue that way for quite some time and the value of our currency is eroding. We have to be rather careful with …
As with other areas of our lives, it is important to have financial goals. When you have goals, you have something to work towards. One of the most popular times of the year to make …
There is possibly no personal responsibility that causes such frustration in people’s lives as financial planning. While everybody desires to have a ready supply of cash reserves in order to have multiple choices in life, …
Family financial planning is different from planning for an individual financially and has to be a joint effort. When you plan for yourself there is usually only you to consider, this is not the case …
My family has never been well off. Even as a small child I figured I had no chance of going to college because it was expensive and I knew my parents couldn’t afford it. Many …
When you get married or enter into a serious relationship, one of the grown up things that you have to give consideration to is how you want to set up your financial arrangements. Money can …
Having a checking account is one of the signs of adulthood. This is a financial responsibility that many people must have in order to be able to pay bills, establish credit and create some financial …