Should You Start Your Own Business?

January 10, 2011

Let’s say you have a great idea for a business and you’re ready to take a chance and roll it out; is that the deciding factor—the idea? What if you’re certain it’s a “can’t miss idea”, and more important, you’re sure that now is the time? Should you make the jump? Well…maybe. You see, being [...]

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4 Best New Years Resolution Ideas for Your Money & Finances That Can Pay Off Big

January 1, 2011

With the possible exception of the weigh loss/start exercising promise millions will be making to themselves for 2011, getting into better financial shape is probably the top New Year’s resolution, for this year or any other. Sadly, most New Year’s resolutions don’t survive January! Ever wonder why? Most New Year’s resolutions set the bar too [...]

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When the Credit Score Mania Goes Too Far

December 27, 2010

An article on a well known website (not another blog) caught my attention the other day. I’m not going to disclose the name of the site or provide a link to the article since it is, more than anything else, representative of a mindset in the financial world that I mostly disagree with. The post [...]

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How Much Money Should You Save in Your Emergency Fund?

December 13, 2010

There are different yardsticks out there for creating a credible emergency fund. Dave Ramsey’s recommendation of $1000 is an excellent start if you’ve never had any kind of savings in the past. The only problem with this is that while $1000 is better than nothing, it just doesn’t cover a whole lot of emergency these [...]

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5 Ways to Get Rich – What It Takes to Be Rich and Build Wealth

November 22, 2010

When you think about people who are rich, do you often find yourself thinking that Lady Luck played a major role in how they got to where they are? Doubtless luck played a part at some level, but I’m here to tell you that personal decisions, lifestyles and discipline are far more significant than many [...]

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6 Ways to Save Big on Holiday Christmas Shopping for Gifts

November 11, 2010

The holiday season is a blessed time of the year, but one that can also wreak havoc with our budgets. Like every other expense we deal with (yes, as much as we don’t like to think of it as such, with everything else Christmas represents, it is very much an expense!), having a plan will [...]

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How to Get Out of Debt After a Long Layoff

November 3, 2010

There’s much in the financial news and written on personal finance blogs about how to get out of debt. Cut this expense…lower that cost…clip coupons…and in X number of years you’ll be debt free! For many, this type of trimming at the edges may be all that’s needed to reach debt freedom. But what if [...]

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What’s Your Financial Style – Fixed Lifestyle or…Life?

October 19, 2010

Do you ever feel that you earn a pretty decent living, but at the end of the week, month or year, there just isn’t much to show for it? You have a good job, a nice home, a good car and the overall trappings of middle class life in the 21st Century. But it seems [...]

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Are You REALLY Saving Enough Money to Retire?

September 24, 2010

If you’re an average, middle class individual or couple, chances are you aren’t saving nearly enough to provide a comfortable retirement for yourself. If you doubt it, play around with a retirement calculator. I did some experimenting with Kiplinger’s Retirement Savings Calculator, plugging in some scenarios to see what turns up. I have to report [...]

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Are You Preparing For the Next Economic Recession?

September 17, 2010

We find ourselves in one of those peculiar times when it’s anyone’s guess which way the economic winds are blowing. The media is doing little to untangle the confusion. Last week Yahoo! Finance reported that the economy may be dangling on the edge of another downward plunge in 5 Doomsday Scenarios for the U.S. Economy. [...]

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