From the category archives:

Managing Money

Insure with Friends

by Krantcents · 27 comments

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Insure with friends. Groupon and Living Social are already capitalizing on social media.  They offer deals or handpicked experiences that can be shared with friends.  You can use your social network to get lower prices for services.  This could be the new trend in business. Read More…

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Post image for 10 Changes Can Make Millions

10 changes can make millions. Saving for your retirement can be impossible unless you know what to do.  Putting money into a 401K is a no brainer, but where do you find the money?  You can start with a diary of where you spend your money and find expenses to change.  Small changes in your spending can achieve $1-2,000,000 over your lifetime. Read More…

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As part of National Financial Literacy Month, learn how to establish and maintain healthy financial habits.  The following are the most important skills that everyone should learn: Read More…

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Cash or Credit?

by Krantcents · 45 comments

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Cash or Credit? It is one of the most fundamental questions, you are asked when making a purchase at a store.  You could pay with cash or use your debit card; most businesses treat either as cash.  Using your credit card may give you a cash rebate, frequent flier miles or points to be used for flights or merchandise.  It is your choice or is it? Read More…

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Post image for Inside a Millionaire’s Mind

What do you think when you hear the word millionaire?  If you are a millionaire, you must have a big house, fancy cars and lots of money!  You may be surprised to find out that the vast majority of millionaires are just like you and me.  They work hard, live modestly and struggle like the rest of us with money. Read More…

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Post image for Rewards for Paying Off Credit Card Debt?

I recently read an article called Win Rewards for Paying Off Debt in Kiplinger magazine.  The author writes about several credit cards that offer incentives to pay on time.  They encourage frugal behavior!  Let me translate for you, the credit card companies pay you to pay them on time.  Why would they do that?  What is in it for them?  I always thought they only wanted the minimum payment so they could charge interest rates of 18-24% on the balance. Read More…

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Financing My Dream?

by Krantcents · 22 comments

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I recently read an article on CNNMoney.com about some organic farmers who wanted to expand their farming business, but it meant taking on bank debt.  Courtney Lowery Cowgill and her husband had a small organic farm specializing in vegetables, turkeys and ancient heritage grains in Conrad, Montana. Read More…

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Post image for Budgeting is Still a Waste of Time

Back by popular demand, Budgeting is still a waste of time!  Last week, I wrote an article called “Budgeting Is a Waste of Time”!  I offered some suggestions about analyzing your expenses.  Look at every expense and answer my three questions to determine if you should make any changes.  What additional expenses need analysis? Read More…

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Post image for Free Money for Retirement

All statistics say that most people do not save enough money for retirement. Are you one of them?  What are you going to do?  Are you going to work longer?  Are you going to cash out your house?  Do you plan on taking a reverse mortgage?  I may have a solution for you! Read More…

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Post image for Budgeting Is a Waste of Time

Budgeting is a waste of time!. To me, a budget is a list of planned income and expenses.  It is a road map to achieve your financial goals.  Most people look at a year’s worth of expenses and take an average and /or adjust for inflation and use it for their budget.  Is that enough? Read More…

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