From the category archives:

Managing Money

Post image for 10 Ways to Get Tax Free Income

Tax free income always sounds good to me!  What do you think?  Everyone loves to pay taxes!  Don’t they?  How would you like to earn tax free income?  Taxes are going up if not now, soon.  It is inevitable! Rich people can save on taxes, but no taxes is much better. Start earning tax free income today! Here are ten examples of how you can earn extra income tax free! Read More…


Post image for Are You Smart about Money?

Are you smart about money? Did you know you can graduate college or get an MBA and never take a class in personal finance?  That includes the accounting, business and finance majors!  Very few high school students can even take personal finance classes.  We make daily decisions spending, investing, mortgages and car loans every day without much thought.  Read More…


Post image for It Is Time for Year-End Tax Planning

It is time for year-end tax planning! You can do something about your tax bill just by doing a little tax planning. There is plenty of time to make a difference in your tax bill by just following these suggestions. Everybody knows they should do something, but they do not because either they do not know what to do or do not take the time to do it. The IRS is counting on you doing nothing! Read More…

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Post image for How to Budget in 4 Steps

You can budget in 4 steps!  The traditional definition of a budget is an estimate of income and expenses for a set period of time.   A budget for me is a structure for achieving a financial goal.   It helps you track your income and how you spend your money.  My approach is to start with my financial goal and make changes in my spending to achieve it.  What are you waiting for? Read More…

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Post image for Money Management Tips for Children

Money management is controlling your personal finances!  Money management is the process of budgeting, saving, investing, spending or otherwise in overseeing the cash usage of an individual or group. Do you contribute to your retirement? Do you have a budget?   Do you pay your credit card balance every month? If you can answer yes to these questions, you are a good money manager!

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Post image for Insurance is for the Unplannable, Unpreventable and Unforeseeable!

There is always something that is unplannable, unpreventable and unforeseeable! That is why you have insurance. If you knew when you would have an accident, predict a serious illness or just knew when you needed insurance, you could get it just before you needed it. What do you do? You get insurance at the best possible cost and limits before you need it. What can you do to keep your premiums low? Read More…

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Post image for 3 Ways to Make Cents of HVAC Maintenance

There aren’t many bills as dependent on our habits and know-how as our energy bills. The first step in reducing your energy costs is to address the equipment that we use to control the climate in our house − since they can also take control of our energy bills if left poorly maintained. That being said, it leaves me scratching my head when I hear comments about how all HVAC maintenance should be left to licensed technicians and the most extreme DIY purists. Read More…

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Post image for Should I Refinance My Mortgage?

When does your bank call you and offer to refinance your mortgage for a lower rate?  Until last week, I would have answered, never!  I have a fixed rate mortgage that I am paying off it off in four (4) years why should I refinance?  The bank offered to lower the interest rate and pick up all the costs.  Refinancing a mortgage at a lower interest rate isn’t always the right decision.  What should I do? Read More…

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Post image for How is your Retirement Savings?

Do you have enough saved for retirement?  It should be no surprise than too many Americans have not put enough aside for retirement.  So much has been written about baby boomers and retirement, but I recently read a Los Angeles Times  article how it is not limited to them.  10,000 baby boomers turn 65 years old every day and will for the next nineteen years!  Will you have enough savings for retirement?
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Post image for How to Use Credit Cards Responsibly

Too many people have credit card debt!  As of December, 2011, according to Capital One  there was $801 billion total U.S. revolving debt.  98% is credit card debt!  The total U.S. consumer debt is $2.5 trillion as of December 2011.  The average credit card debt per household with credit card debt is $15,799.  Just about everyone has a credit card and it is time to learn how to use it responsibly! Read More…

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