Guest Bloggers Are Welcome

Add Blog

How to Get All the Money You Want

By: Frugal World Personal Finance Views: 3328 | Comments: 0 | Votes: 0

Frugal World

In this world we live in money has been given a significant meaning in our lives. Most people lives revolve around having money. Unfortunately those people are living according to their beliefs that there isn't enough, and with the resultant lack of money. Now hear this: There is always enough to meet your needs! Let us look at two resources we have. The next example is electricity. More

Retire This Year

By: WiseSaver Retirement Planning Views: 4102 | Comments: 0 | Votes: 0


How many times have you been at work thinking that you would love to just retire now? Maybe you really love what you do but are tired of making a fraction of what your boss collects for the work you do and are just ready to call it quits. No matter what your reason for wanting to retire now, there might be an answer. Most people do not even realize how many of these jobs are available. More

Fair Debt Collection

By: Frugal World Banking Views: 3805 | Comments: 0 | Votes: 0

Frugal World

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." Of course, the law does not erase any legitimate debt you owe. What debts are covered? Personal, family, and household debts are covered under the Act. More

Refinance Mortgage Potential Pitfalls

By: Academix Home Loans Views: 2470 | Comments: 0 | Votes: 0


There has been a lot of talk about mortgage refinancing over the last couple of years. One thing that you need to bear squarely in mind when considering doing this is that you must be prepared to pay your costs at closing. This is very similar to what happened when you initially purchased your home. Any money owing for this service will usually be paid at the point of settlement. More

FICO - How your score affects you

By: Academix Credit Repair Views: 2488 | Comments: 0 | Votes: 0


Throughout the years, mortgage rates have varied by loan-to-value and by term only. Items such as mortgages and variation in credit risks were not taken into consideration. A variation in interest rates was typically due to an additional charge for mortgage insurance (PMI) for home loans with loan-to-values greater than 80 percent, or higher rates due to the length of amortization. More

How long to keep financial records

By: Julian Block Tax Planning Views: 1317 | Comments: 0 | Votes: 0

Julian Block

You need no reminder to hold on to your tax records in case your returns are questioned by the Internal Revenue Service. But just how long do you need to save those old records that clutter up your closets and desk drawers? Unfortunately, there is no flat cutoff and the time limits go all over the lot.   But wait! The audit, admonishes the IRS, can begin "at any time." More

Selective depreciation can boost bottom line

By: Tom Stevens Real Estate Views: 1627 | Comments: 2 | Votes: 1

Tom Stevens

Not all assets are created equal in the eyes of the Internal Revenue Service. Some assets purchased during construction of a new building (like light fixtures and lab equipment) have a shorter life span than the building itself -- carrying the potential for a greater tax deduction. And a new law passed by Congress allows additional savings until 2006. After Sept. 22, 2004. 1, 2006. More

How Americans view personal wealth vs. how financial planners view this wealth

By: Jack Gillis Financial Planning Views: 1363 | Comments: 0 | Votes: 0

Jack Gillis

Americans Think Wealth Is Harder For Them to Accumulate Than Do Planners Two recent surveys, released today by the Consumer Federation of America (CFA) and the Financial Planning Association® (FPA®), reveal that financial planners believe it is easier for Americans to accumulate personal wealth than do Americans themselves. Barnash, CFP®. 8%. More

Phone bill tax refund

By: Lew Sichelman Tax Planning Views: 2499 | Comments: 0 | Votes: 0

Lew Sichelman

Taxpayers are due a onetime federal excise tax refund credit of $30 to $60 – or possibly even more – on their 2006 federal returns, according to the Internal Revenue Service. The refund is intended to compensate people who have been charged an excise tax on their phone bills. But when they went to flat-fee phone services, they continued to levy the tax. More

The Fundamental Law of Economics

By: Dr. Tucker Hart Adams Personal Finance Views: 1504 | Comments: 0 | Votes: 0

Dr. Tucker Hart Adams

“Using Law and Economics in the same sentence is an oxymoron,” the hard scientist will snicker. Economics is one of the soft sciences, driven by human behavior, which is unpredictable at best. And yet there are economic laws, just as there are laws of physics. You may be able to walk on the ceiling in the carnival fun house, but ultimately the Law of Gravity prevails. 1. 2. 3. 4. More