Grandparent Scam Strikes Again

September 20, 2011
Grandparent Scam

Put yourself in the shoes of a caring Grandmother. Let’s say one day you receive a call from your grandson telling you they’ve been in an accident and are being held in jail in the Dominican Republic. They want you to keep their little debacle a secret but they need you to wire money to [...]

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How To Deal With Regular Bills When You Have An Irregular Income

September 19, 2011
Cushion Fund

When your income doesn’t come in 24 equal payments spaced evenly throughout the year it can be hard to make a budget. Unfortunately, this is a fact that a lot of people deal with in their life. There are a lot of industries where the pay is great in the summer time and then tapers [...]

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Are You Seriously Committed To Saving, Or Still Committed To The Short-Term?

September 18, 2011

People can’t stop talking about the possibilities of a second recession, which may very well be redefined as the continuation of what becomes the broader-defined Great Recession of the decade. Between talks of European economic crisis and American debt doom, the average man and woman who have to deal with these realities are talking about [...]

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Hedging Market Risks To Your Retirement

September 16, 2011
Hedging Market Risks

The current stock market volatility has many wondering how market risks could affect their retirement prospects. Many almost-retirees found, to their dismay, that the market crashed, wiping out retirement portfolio values, just before they needed that money. While the market has been recovering since 2008, the fear of what happens “next time” has many wondering [...]

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The Great Depression Ahead And What You Can Do To Survive

September 14, 2011
The Great Depression Ahead

You may have never heard of economist and wealth manager Harry Dent but many students of the economy have. Harry Dent wrote, The Great Boom Ahead, which predicted the financial bull market of the 1990’s. He also predicted that the 2000s would see the Dow Jones Industrial Average soar to 40,000 but later revised that [...]

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Fixed Mortgage Rates Fall To Six Decade Low, But Few Can Take Advantage

September 12, 2011
Low Mortgage Rates

If you’re looking to buy a home or refinance anytime in the near future you may have been happy to hear the news this past week that mortgage rates are now at the lowest levels in years. It is good news for those looking to buy, but there is a big caveat. Not everyone will [...]

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Roth IRA: Emergency Fund?

September 8, 2011
Roth IRA Emergency Fund

I recently found out that one of my associates uses her Roth IRA as an emergency fund. Rather than put money into a low yield savings account, or some other cash account, she uses her retirement account as an emergency fund. Technically, the basics of a Roth IRA are conducive to this arrangement. However, you [...]

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How We Paid Cash For Our New Car

September 6, 2011
Paying Cash For Cars

Over the past 3 weeks my wife and I have been searching for a new car. We hadn’t originally been in a hurry to buy a new car, but an opportunity presented itself where we could sell our current car, a 9 year old Honda Civic, at a decent price to a family member. The [...]

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4 Side Hustles You Can Start If You Have A Pick-Up Truck

September 2, 2011
Side Hustles With A Pickup

When it comes to finding more money in your budget, there is only so much you can do to cut your spending and live frugally. At some point, you might find that you can’t cut anymore — or that you don’t want to (after all, life is about living, too). This is when it becomes [...]

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Lower Your 2011 Tax Bill by Going Green With Home Energy Tax Credits

August 31, 2011

Although the U.S. government’s ability to function is heavily dependent upon tax revenue, taxpayers are not completely forgotten about. In fact, the government offers taxpayers breaks for taking certain actions or making certain purchases that are good for themselves, the economy or the environment. One such break is a tax credit available to homeowners who [...]

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Buying A Used Car? Watch Out For Flood Damage

August 29, 2011
Car With Flood Damage

One of the ways you can save money when you purchase a car is to buy it used. Used cars can provide you with a great way to get from here to there — without breaking the bank. Plus, you avoid the instant depreciation that comes the moment you drive a new car off the [...]

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How To Invest Money For Your Kids

August 25, 2011

According to the United States Department of Agriculture (USDA), the average cost of raising a child rose to over $222,000 in 2009. (1) The 2010 annual Expenditures on Children by Families report revealed that the cost of raising a child rose by less than 1 percent from 2008. A big portion of this expense goes [...]

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