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Brought to life by novelist Ian Fleming in 1953, James Bond started out first as a character in a book, and then moved to film, television, radio, comics and video games. The infamous 007 has been the star of 23 films to date, and has enchanted Bond Girls and killed baddies for six decades.
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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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Too young to retire and too old to get a job! There are many people in their forties and fifties that feel that way. They lost their jobs in the recession and cannot find another one. They already exhausted their unemployment and have given up. That’s right, they stopped looking! They do not have the savings they should have and they gave up. What should they do? Read More…
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What is other people’s money? When you buy real estate, you usually get a mortgage which is other people’s money. It is a way of leveraging your down payment in order to buy an asset. When you borrow money to buy a business, it is other people’s money. Whenever you borrow money to make an investment or financial transaction, you may be using other people’s money (OPM) in the form of a loan. Read More…
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Do details matter? Have you ever taken something apart and when you put it back together you have a part left over? It may or may not affect the overall operation, but it might! Details are important, but they are not all equal! I think it is the accountant in me that makes me pay attention to details. In accounting, everything has to balance just like in life. Do details matter to you? Read More…
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In case you are wondering, I am not dating! I just thought I should share some information about a dating service that answers the money issue. You won’t have to ask your date about money because you will know their credit score! As a service to my readers, I thought I would dedicate some time to discuss dating services and does it answer the real question. How is your FICO score? Read More…
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It’s tax season and that probably means you have your finances front and center in your mind. The deadline for filing your taxes just passed and you won’t have to worry about them for another year. However, since you’ve been thinking about your finances, now is a good time to take a look at your credit card situation. Do you have credit card debt? Zero interest credit cards may be the answer! Read More…
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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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Do you pay off debt or invest? Many personal financial bloggers suggest to always pay off debt. It is not that simple! Whenever you have to make a financial or any kind of decision, you should examine all the alternatives. It is commonly called opportunity cost. Opportunity cost is the cost of any activity measured in terms of the value of the next best alternative forgone (that is not chosen). Read More…
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I was reading The Millionaire Next Door again and found out that I am wealthy! The authors offer a calculation to determine if you are wealthy, just multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be. Why does it matter? It affects my whole life! Read More…
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Kim@Eyesonthedollar
I have never had a bank call me to refinance, but
Krantcents
Thanks, but I turned it down. I decided that the
Krantcents
My retirement date at worst is June, 2017 and I ma
PK
"Would you refinance your mortgage for $1,200
The First Million is the Hardest
Your situation with a low balance and so few years
